Insurance and Healthcare

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The Insurance industry is facing significant economic and competitive pressures, with consolidations and downgrades escalating and continuing competition from other financial services segments. In addition, the regulatory climate remains challenging and uncertain. Regulatory oversight changes and new compliance deadlines loom on the horizon. In spite of  this volatile business climate, insurers must continue to find ways to improve bottom-line operational efficiency and drive top-line growth, meeting the needs and expectations of customers and distributors while responding to increasing demands for business transparency.
How ‘iGATE Patni’ Can Help You
‘iGATE Patni’ has enabled insurance companies to defy challenges and improve business performance. For the last 30 years, we have drawn on the full breadth of our domain expertise and technological capabilities to help insurance companies implement solutions designed to deliver business outcomes.  Our unique Integrated Technology-Operations (iTOPS) approach offers a business outcome-based model thus adding certainty to the clients’ business; enabling them to derive maximum value at increasing business efficiency levels. The iTOPS approach means a ‘one view’ on our clients’ technology and operations, which helps in following a synergistic approach to achieve business benefits.
For Health Insurance Carriers, 'iGATE Patni' provides Full-Service Insurance Administration through CHCS Services, Inc. leveraging proprietary platform, licenses across all states in the Americas, and variable cost model. The variable model bundles in cost of application, infrastructure, people and processing in a "Per Member, per Month" construct or Cost per Policy, Cost Per claim construct.

Structured Settlements in the United States

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The United States has enacted structured settlement laws and regulations at both the federal and state levels. Federal structured settlement laws include sections of the (federal) Internal Revenue Code.[5] State structured settlement laws include structured settlement protection statutes and periodic payment of judgment statutes. Forty-seven of the states have structured settlement protection acts created using a model promulgated by the National Conference of Insurance Legislations ("NCOIL"). Of the 47 states, 37 are based in whole or in part on the NCOIL model act. Medicaid and Medicare laws and regulations affect structured settlements. To preserve a claimant’s Medicare and Medicaid benefits, structured settlement payments may be incorporated into “Medicare Set Aside Arrangements” “Special Needs Trusts."
Structured settlements have been endorsed by many of the nation's largest disability rights organizations, including the American Association of People with Disabilities [6] and the National Organization on Disability.[7][edit] Definitions
A definition of “structured settlement” can be found in Internal Revenue Code Section 5891(c)(1) (26 U.S.C. § 5891(c)(1)), which states that a structured settlement is an "arrangement" that meets the following requirements:

Legal Structure

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The typical structured settlement arises and is structured as follows: An injured party (the claimant) settles a tort suit with the defendant (or its insurance carrier) pursuant to a settlement agreement that provides that, in exchange for the claimant's securing the dismissal of the lawsuit, the defendant (or, more commonly, its insurer) agrees to make a series of periodic payments over time.[8] The defendant, or the property/casualty insurance company, thus finds itself with a long-term payment obligation to the claimant. To fund this obligation, the property/casualty insurer generally takes one of two typical approaches: It either purchases an annuity from a life insurance company (an arrangement called a "buy and hold" case) or it assigns (or, more properly, delegates) its periodic payment obligation to a third party ("assigned case") which in turn purchases a "qualified funding asset" to finance the assigned periodic payment obligation. Pursuant to IRC 130(d) a "qualified funding asset" may be an annuity or an obligation of the United States government.

In an unassigned case, the defendant or property/casualty insurer retains the periodic payment obligation and funds it by purchasing an annuity from a life insurance company, thereby offsetting its obligation with a matching asset. The payment stream purchased under the annuity matches exactly, in timing and amounts, the periodic payments agreed to in the settlement agreement. The defendant or property/casualty company owns the annuity and names the claimant as the payee under the annuity, thereby directing the annuity issuer to send payments directly to the claimant. If any of the periodic payments are life-contingent (i.e., the obligation to make a payment is contingent on someone continuing to be alive), then the claimant (or whoever is determined to be the measuring life) is named as the annuitant or measuring life under the annuity.

In an assigned case, the defendant or property/casualty company does not wish to retain the long-term periodic payment obligation on its books. Accordingly, the defendant or property/casualty insurer transfers the obligation, through a legal device called a qualified assignment, to a third party. The third party, called an assignment company, will require the defendant or property/casualty company to pay it an amount sufficient to enable it to buy an annuity that will fund its newly accepted periodic payment obligation. If the claimant consents to the transfer of the periodic payment obligation (either in the settlement agreement or, failing that, in a special form of qualified assignment known as a qualified assignment and release), the defendant and/or its property/casualty company has no further liability to make the periodic payments. This method of substituting the obligor is desirable for defendants or property/casualty companies that do not want to retain the periodic payment obligation on their books. A qualified assignment is also advantageous for the claimant as it will not have to rely on the continued credit of the defendant or property/casualty company as a general creditor. Typically, an assignment company is an affiliate of the life insurance company from which the annuity is purchased.

An assignment is said to be "qualified" if it satisfies the criteria set forth in Internal Revenue Code Section 130 [1]. Qualification of the assignment is important to assignment companies because without it the amount they receive to induce them to accept periodic payment obligations would be considered income for federal income tax purposes. If an assignment qualifies under Section 130, however, the amount received is excluded from the income of the assignment company. This provision of the tax code was enacted to encourage assigned cases; without it, assignment companies would owe federal income taxes but would typically have no source from which to make the payments.

universitas termegah yang ada didunia

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coba di indonesia ada universitas yang megah dan indah ya.

1. Orestad High School, Copenhagen
Jika melihat sekolah ini rasanya sangat sulit untuk tidak berangakat ke sekolah.




2. Nanyang University in Singapore
Universitas yang sangat menakjubkan dengan atap hijaunya..




3. Modern High School #9 in Central LA
Sekolah ini desainnya lebih mirip seperti museum seni…




4. Gehry-Designed Stata Center at MIT
Bangunan ini di desain dengan kelas seperti rumah yang aneh…
Di sini juga di lengkapi dengan fasilitas penelitian, fasilitas kebugaran dan aula besar.



5. New York University’s Department of Philosophy Interior
Dirancang oleh Steven Holl Architects, interior yang direnovasi fitur dinding putih dan nampak kompleks dengan set tangga rata berlubang dengan pola cahaya yang menarik di sekitar gedung. Efek cahaya bisa menyesuaikan dengan perubahan musim dan hari.




6. Victorian College of the Arts School of Drama
Dirancang oleh Castles Stephenson + Turner Pty Ltd / Edmond & Corrigan.
Bangunan ini di desain berwarna sehingga jelas bahwa ini adalah tempat kreativitas.


7. Arcadia University’s Grey Towers Castle
Universitas ini dulunya adalah sebuah kastil.
Kastil yang di bangun pada tahun 1893 ini di jadikan Universitas pada tahun 1929.





8. Concrete and Glass Gateway Building at MICA
The Maryland Institute College of Art (MICA) telah lama dikenal karena campuran berbagai bangunan, dan yang terbaru adalah head-turner.
ada juga bangunan berbentuk drum dengan interior tanah halaman rumah lobby / galeri, teater, kafe, mes pelajar, dan studio.



9. Bold, Contemporary Metzo College in the Netherlands
The new Metzo College terletak di Doetinchem, sebuah kota di sebelah timur dari Belanda. Dirancang dengan banyak ruang terbuka di sekelilingnya yang berfungsi sebagai gedung sekolah kejuruan serta fasilitas olahraga umum.





10. Rafael Arozarena High School, La Orotava, Spain
Rafael Arozarena High School berada di dekat pusat kota bersejarah dari La Orotava, Spanyol dan Dirancang oleh AMP Arquitectos.





11. Bikuben Student Residence, University of Copenhagen
Disebut sebagai ‘student residence of the future’.
Tentunya tidak seperti ruang tempat tinggal siswa yang lain, Beton, logam dan kaca jendela yang membuat semacam efek ekawarna yang terang.
Di dalam bangunan, ruangan umum dan kamar terhubung.


12. Jubilee Campus, University of Nottingham
Kampus ini dulunya adalah Sebuah pabrik sepeda, yang kemudaian ditransformasikan dengan indah menjadi kampus untuk 2500 siswa…



Kemudian...





Gakuen Spiral Towers adalah gedung kampus yang berada di kota Nagoya, Jepang dengan bentuk spiral dan dibuat oleh Nikken Sekkei. Gedung yang terdiri dari 36 lantai dengan tinggi sekitar 170 m ini merupakan kampus untuk 3 jurusan disana yaitu fashion design, komputer serta kedokteran.



Berbicara mengenai teknologi ramah lingkungan yang diterapkan pada gedung ini adalah penggunaan kaca jendela sistim Double-Glazed Air Flow yang bertujuan untuk menyerap panas yang masuk ke dalam gedung serta penggunaan ventilasi udara secara alami. Kedua teknologi/ sistim yang digunakan adalah untuk mengurangi pemakaian AC di dalam ruangan.



Bakal ga mungkin BOLOS! malah nginep kali di skolah

University of Oregon Medical School

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In 1887, the inaugural class of the University of Oregon Medical School met in the school's lone building - a two-room converted grocery store in northwest Portland. From that small school we have grown into a world-class teaching hospital and research center that draws in students, scientists, and patients from across the country and around the world. At the same time, we retain our strong commitment to serving our local community, and to treating each patient as a unique individual.

With a rich diversity of activities happening across our campuses in and around Portland, we know that you can find what you are looking for - whether it is preparing yourself for a future as a health care provider, delving into critical research questions, or looking for a place where you can feel completely confident in the high quality of care you or a loved one receives.

A world-renowned university

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UC Davis is one of the nation's top public-research universities, with a tradition of service to the region, nation and the world. UC Davis, which celebrated its centennial in 2008, is a pioneer in interdisciplinary problem-solving. Its four colleges, five professional schools, more than 100 academic majors and 86 graduate programs provide a comprehensive, rigorous and research-based learning environment for students, faculty and researchers. The 30,000-student university has its main campus in the Sacramento Valley, near the state capital and the San Francisco Bay Area.
One of 10 campuses in the University of California system, UC Davis ranks 6th among U.S. universities based on contributions to society (Washington Monthly), 10th in research funding among public universities (National Science Foundation) and 9th among public universities nationwide and 39th among public and private research universities (U.S. News and World Report's 2011 "America's Best Colleges"). It is one of 62 North American universities admitted into the prestigious Association of American Universities.
UC Davis Health System is one of five health systems within the University of California. It is an integrated, academic health system consisting of the UC Davis School of Medicine, the Betty Irene Moore School of Nursing, the 613-bed, acute-care hospital and clinical services of UC Davis Medical Center, and the 800-member physician group known as UC Davis Medical Group. The health system also includes a National Cancer Institute-designated cancer center, a comprehensive children's hospital and a Level I trauma center. In 2007, the health system was named as one of the 100 most highly integrated health networks in the United States.

UC Davis School of Medicine is ranked 44th among U.S. medical schools in research funding from the National Institutes of Health. It is ranked by U.S. News and World Report among the top 50 medical schools in the nation for both primary care and research. The school operates the largest family nurse practitioner and physician assistant training program in California.
UC Davis Medical Center serves as a clinical training site for health-care professionals, including physicians, nurses, pharmacists, radiological technicians, medical transcriptionists and others. The medical center's all-R.N. nursing staff is one of the most highly regarded in the nation, and is distinguished by its peer/partner relationship with medical staff. Nurses are encouraged and given assistance to seek advanced degrees. They also are encouraged to design, conduct and publish their own research studies, reflecting the health system's commitment to academically rigorous, evidence-based health care.
The health system maintains the historic UC Davis campus tradition of being guided by public service in all of its endeavors: research, care and education. The health system has a reputation for encouraging students to cross traditional dividing lines among departments, divisions and programs, emphasizing teamwork, partnerships and interdisciplinary collaboration.
Faculty, researchers and students have scores of collaborative relationships, not only among units within the health system, but also with the university's other colleges and professional schools and outside organizations, including:
•    UC Davis professional schools, including the School of Education, Graduate School of Management, School of Veterinary Medicine and School of Law, and the colleges of Engineering, Biological Sciences, Letters and Science, and Agriculture and Environmental Sciences.
•    California National Primate Research Center
•    Shriners' Hospital for Children-Northern California
•    Veterans Affairs Northern California Health Care System
•    USDA Western Human Nutrition Research Center
•    Lawrence Livermore National Laboratory
Among the distinguishing features of UC Davis Health System include:
The Center for Health and Technology. This program is a world leader in the use of telecommunications and information technology to improve the availability and delivery of high-quality health care. Its “distance education” program uses interactive technologies to deliver continuing medical education (CME) and continuing nursing education (CNE) to health professionals in remote regions. Consumer health information also is delivered via distance education, with wellness classes in adult and pediatric asthma management, heart disease prevention and prenatal care, among many others.
The Family Nurse Practitioner/Physician Assistant Program. UC Davis has the oldest and largest program of its kind in California, and the only physician assistant program in the UC system and other California public universities. The program is recognized for the excellence of its training, the diversity of its student body, and the placement of graduates in medically underserved areas of California. The program has earned honors from the Song Brown Commission and the California Office of Statewide Health, Planning and Development.
The UC Davis Clinical and Translational Science Center. This is the academic home for innovative and collaborative medical research conducted at UC Davis and its many institutional and community partners. The center expedites the translation and integration of science from a variety of disciplines into discoveries and treatments that benefit society. Established with a Clinical and Translational Science Award from the National Institutes of Health (NIH), the center is transforming how scientists and clinicians are trained and how they conduct clinical and translational research so that new treatments reach patients more quickly.


Stanford experts: how 9/11 has changed the world
Never-ending war? A new "greatest generation?" A professor whose 3-year-old son is on the government's watchlist? Six Stanford experts talk about the world since that terrible day a decade ago.
BY CYNTHIA HAVEN
As we approach the 10th anniversary of the al-Qaeda attacks of Sept. 11, 2001, the Stanford News Service posed this question to a series of Stanford experts: "How has the world changed as a result of 9/11?" Their insightful answers are below.
 Robert Crews
Robert Crews, expert on Muslim networks
 The most striking change has been the emergence in the United States of a garrison mentality. In the name of security, Washington embarked in 2001 on a course of open-ended war. Politicians have called intervention in Afghanistan, Iraq, Pakistan, Yemen and Libya essential to America's safety. Yet the military has shouldered this burden alone. Meanwhile, these policies have brought death to hundreds of thousands of Iraqis and tens of thousands of Afghans. A perpetual state of chaos reigns.
The United States is more intolerant and less curious about the world beyond the walls of the garrison. State legislatures have introduced harsh legislation against immigrants and demonized Islam. Few question Guantanamo – or a U.S. prison population of more than 2.2 million. Study of foreign language, history, literature, and the arts – knowledge that might inform a dialogue with the "barbarians" – is mostly ignored. Huddled in their insular world, Americans imagine that technology – drones, computers and smartphones – will make the world safer for them, no matter what the costs for foreign civilians. Delusion has followed tragedy in the garrison state.
Robert Crews, the director of Stanford's Center for Russian, East European, and Eurasian Studies, is the author of For Prophet and Tsar: Islam and Empire in Russia and Central Asia.
________________________________________
 Priya Satia
Priya Satia, expert on war, technology and culture
My 3-year-old is on a Department of Homeland Security blacklist. The problem is his blessing of a name: Kabir. Kabir is Arabic for "great," but the name has a special significance on the Indian subcontinent, where it refers to a medieval mystic poet beloved by Hindus, Muslims and Sikhs. But the DHS is, alas, deaf, dumb and blind to such cultural subtleties and the syncretism they capture – and, apparently, to age. So, last week when we flew from Delhi to San Francisco, Kabir underwent special screenings and pat-downs, although his unruly tresses produced some confusion about his gender in addition to the concern with his possible involvement with an unspecified terrorist network. Once I clarify his status with the DHS, his name will not be simply struck from the blacklist but will be included in another list – individuals who sound like they might be terrorists but are not. The world has indeed changed since 9/11.
In other ways, however, our times uncannily echo past eras. The reliance on covert aerial policing; military occupations that deny their own existence; and a democratic polity sufficiently appeased by the discretion with which occupation and counter-insurgency are pursued – these were features of the interwar British occupation of the Middle East, too. But alongside the global enmities produced by 9/11 – the world of "us" versus "them" – the past decade has also unleashed the power of new forms of social communication and media. It is difficult to judge which aspects of our changed world – for instance, the unanticipated flowering of political protest from Egypt to Israel to India – are rooted in the newly wired world and which in the atavistic binaries that structure the U.S. government's post-9/11 understanding of the planet. For us, 9/11 might be everything, but as so many of these protestors have shown, the real story is at once more local and more global – those old demons of economic inequality and political exclusion.
Priya Satia, an assistant professor of history, is the author of Spies in Arabia: The Great War and the Cultural Foundations of Britain's Covert Empire in the Middle East.
________________________________________
 John Taylor
John Taylor, economist and government adviser
Ten years after 9/11 we now have a "new greatest generation" of Americans on the scene and ready to lead. It includes, of course, all the post 9/11 Afghanistan and Iraq veterans to whom Time Magazine dedicates its cover this week. Fifty-one have enrolled at Stanford with more to come. As [Stanford President] John Hennessy and [Stanford Provost] John Etchemendy say, "We are honored and proud to have many excellent current students and alumni who have served in the military."
But I see a new greatest generation that also includes equally dedicated civil servants, like those at the U.S. Treasury who froze terrorists' assets after 9/11 or funded new schools in Afghanistan; young entrepreneurs, who through ingenuity and hard work have been developing new products to improve peoples' lives; and the teachers, the doctors, the engineers who are just beginning their careers.
This is the best news and the most promising.
John Taylor, a fellow in economics at the Hoover Institution, served as a member of the President's Council of Economic Advisers from 1989 to 1991 and as under secretary of the treasury for international affairs from 2001 to 2005. He is currently a member of the California Governor's Council of Economic Advisors.
________________________________________
 Ali Yaycioglu
Ali Yaycioglu, expert on globalization and economic institutions in the Islamic world
Perhaps the main impact of 9/11 is the consolidation of a conviction that the world is divided by the Western, Islamic, Hindu and East Asian civilizations and there are inherent tensions or clashes among them. Such a perspective, however, not only ignores the interconnectedness of the world through diverse cultural and economic ties but it also overshadows several other categories of understanding human history, such as class, gender and environment. On the other hand, 9/11 and following global violence committed both by the terrorists and the states seeded distrusts and phobia among peoples of the world. This process of distrust has been further strengthened by the consolidation of advance surveillance technologies employed by the states to control their societies and mobility of individuals and ideas. Although we are far from the birth of global civil society that Immanuel Kant once imagined, we should make efforts to challenge the established paradigm of 9/11.
Ali Yaycioglu, an assistant professor of history, is the author of the forthcoming Partners of the Empire: The Rise of Provincial Notables and the Crisis of the Ottoman Order.
________________________________________
 Amy Zegart
Amy Zegart, expert on intelligence and security
Osama bin Laden is dead. Yet 10 years after 9/11, it would be dangerous and wrong to think that the terrorist threat is behind us. Violent Islamist extremism comes from many places, not just the 50-100 core al-Qaeda fighters holed up along the Af/Pak border. The years 2009 and 2010 have seen a spike in plots against the U.S. homeland. Nearly all of them have come from radicalized homegrown terrorists or "franchise" groups with loose and murky ties to the core al-Qaeda organization. In addition, WMD terrorism remains a haunting future possibility. And the FBI has not made the leap from crime-fighting to intelligence. FBI analysts, whose work is vital to connect dots and protect lives, are still treated like second-class citizens – labeled "support staff" alongside janitors and secretaries, and relegated to middle and lower rungs of the bureaucracy. So long as FBI analysts are treated like second-class citizens, Americans will get second-class security. These three factors – diversification of the terrorist threat, the potential to combine destructive motives with devastating weapons and the FBI's continued weaknesses – suggest that the future may not be any safer than the past.
Amy Zegart is a senior fellow at the Hoover Institution and an affiliated faculty member at the Center for International Security and Cooperation. She is the author of the forthcoming book, Eyes on Spies: Congress and the United States Intelligence Community.
________________________________________
 Lisa Blaydes
Lisa Blaydes, an expert on Middle Eastern politics and the dynamics of authoritarianism
[The events of] 9/11 made it increasingly clear that the grievances of citizens in the Islamic world – legitimate or falsely constructed – impact not just Muslim populations but also residents of Western democracies. Since 2001, survey researchers began taking a much greater interest in understanding how Muslims view religion and extremism, Americans and U.S. policy, as well as Muslim attitudes toward democracy. What we have come to know is that citizens of Muslim-majority countries place tremendous value on democracy as a form of government while simultaneously disliking the way that Western democracies – like the United States – have projected their interests and power in the world.
Lisa Blaydes is an assistant professor of political science.  She is the author of this year's Elections and Distributive Politics in Mubarak’s Egypt.
________________________________________
 Byron Bland
Byron Bland, international conflict negotiator
Since 9/11, the practice of tolerance has come increasingly under assault. The adage, tolerance is tolerant of everything but intolerance, provides little guidance for dealing with seemingly intolerable threats looming on the horizon. In the post-9/11 world, because what we can afford to tolerate appears much less certain, tolerance must mean more than indifference toward whatever some fool might do or think. Under pressure, it seems that we are tempted to tolerate only those things that we respect. However, if we allow only those things we find meaningful, valuable or comfortable, are we really practicing tolerance?
Tolerance is hard to pin down because it revolves around two distinct and opposing principles: first, the freedom to be different, and, second, a positive regard toward these differences. When these principles conflict, the practice of tolerance suffers if either is allowed to eclipse the other. Take, for instance, the turmoil surrounding the proposal to build a mosque near the World Trade Center Memorial. Tolerance requires that freedom of religion trump apprehensions that non-Muslims may have about Islam. At the same time, unless Muslims who seek to exercise this right also make clear their deep respect for the dignity and worth of every human being regardless of their religion, tolerance will remain superficial and fragile. If tolerance is to flourish, the tension that exists between these two vibrant principles must be not only balanced but continuously cultivated.
Byron Bland is a senior consultant for the Stanford Center on International Conflict and Negotiation and a lecturer at the Stanford Law School. He is currently exploring the social and political dynamics of reconciliation in Northern Ireland. He is also working with community groups and civil leaders in Israel and the West Bank.

List of 10 Universities Ranked Best in the World in 2011

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Institut Teknologi Massachusetts (Massachusetts Institute of Technology atau MIT), adalah institusi riset swasta dan universitas yang terletak di kota Cambridge, Massachusetts tepat di seberang Sungai Charles dari distrik Back Bay di Boston, Amerika Serikat. MIT memiliki 5 sekolah dan satu kolese, mencakup 32 departemen yang mengkhususkan diri pada sains dan penelitian teknologi.

1. Massachusetts Institute of Technology
Didirikan tahun 1861 sebagai respon atas kemajuan teknologi dan industri di Amerika pada saat itu, universitas ini mengadopsi universitas riset ala Eropa. MIT sekarang berdiri di atas tanah seluas 168 are yang dibuka 1916. Dalam kurun waktu 60 tahun belakangan ini, MIT telah mengembangkan cabang lain sepertimanajemen, ekonomi, manajemen, ilmu politik, dan biologi. Departemen dan sekolah yang paling terkenal adalah Lincoln Laboratory, Computer Science and Artificial Intelligence Laboratory, Media Lab, Whitehead Institute dan Sloan School of Management. 59 dari anggota dari komunitas MIT telah memenangkan Penghargaan Nobel. Untuk tahun ajaran 2009-2010, MIT memiliki 4,232 mahasiswa sarjana dan 6,152 mahasiswa pascasarjana.
2. Harvard University

Universitas Harvard (Harvard University) adalah universitas swasta di Cambridge, Massachusetts, Amerika Serikat dan anggota Ivy Leaguedan merupakan universitas terbaik dunia. Universitas ini didirikan pada 8 September 1636 dan merupakan perguruan tinggi tertua di Amerika Serikat. Awalnya bernama New College, dan dinamakan ulang menjadi Harvard College pada 13 Maret 1639 untuk menghormati penyumbang terbesarnya, John Harvard, seorang mantan mahasiswa Universitas Cambridge. Rujukan terawal yang memanggil Harvard sebagai “universitas” dan bukan “college” terjadi pada tahun 1780.
Universitas Harvard adalah salah satu universitas paling bergengsi di dunia dan mempunyai pendapatan terbesar di antara universitas-universitas di seluruh dunia (US$22,6 miliar pada tahun 2004), hampir dua kali lipat Universitas Yale, pesaing terdekatnya). Rangking universitas Amerika Serikat keluaran US News tahun 2005 menempatkan Universitas Harvard dan Universitas Princeton bersama-sama di urutan pertama. Universitas Harvard juga meraih urutan pertama pada tahun 2004, setelah lima tahun di posisi kedua dan ketiga. Times Higher Education Supplement World University Rankings juga menempatkan Universitas Harvard di urutan pertama
3. Stanford University
 Leland Stanford Junior University, yang lazim dikenal sebagai Universitas Stanford adalah sebuah universitas swasta yang terletak kira-kira 60 kilometer di tenggara San Francisco dan kira-kira 30 km di timur laut San Jose di wilayah Kabupaten Santa Clara yang belum diresmikan sebagai kota. Stanford terletak dekat kota Palo Alto, California, Amerika Serikat tepat di jantung Lembah Silikon baik secara geografis maupun historis.
Universitas Stanford terletak di kampus universitas kedua terbesar di dunia, dan terdiri atas Sekolah Teknik, Hukum, Kedokteran, Pendidikan, Bisnis, Ilmu bumi, dan Humaniora serta Sains. Universitas ini mempunyai sejumlah program dan sebuah rumah sakit pendidikan selain berbagai kegiatan menjangkau ke masyarakat dan inisiatif relawan.
 4. University of California Berkeley

Universitas California, Berkeley (juga dikenal sebagai Cal, UC Berkeley, The University of California, atau Berkeley) adalah sebuah universitas publik yang terletak di timur Teluk San Francisco di Berkeley, California, Amerika Serikat, mengarah ke Golden Gate. Kampus tertua dan “flagship” dari Sistem Universitas California, Berkeley merupakan pemimpin universitas riset. Program “induk”-nya dan profesor-profesornya terus-menerus berada di urutan atas di dunia.
Didirikan pada 1868, Berkeley menikmati zaman emas ilmu fisika, kimia, dan biologi pada awal 1900-an, memimpin pengembangan cyclotron pertama oleh Ernest O. Lawrence, isolasi virus polio manusia, dan penemuan banyak unsur kimia, termasuk plutonium, berkelium, dan californium. Penghargaan Nobel telah diberikan kepada 19 profesornya yang masih aktif sekarang dan di masa lalu kepada 53 orang yang berhubungan dengan universitas ini.
Pada 1960-an kampus ini terkenal ke seluruh dunia dengan lahirnya Gerakan Kebebasan Berbicara dari protes para murid menentang keterlibatan Amerika Serikat dalam Perang Vietnam, secara nyata menjadi bagian Amerika pada 1960-an. Perkembangan berikut termasuk beberapa teknologi kunci berhubungan dengan perkembangan internet, BSD Unix, dan Gerakan Sumber Perangkat lunak Terbuka.
5. Cornell University


Cornell University terletak di Ithaca , New York , Amerika Serikat. Didirikan pada tahun 1865 oleh Ezra Cornell dan Andrew Dickson White , universitas ini bertujuan untuk mengajar dan memberikan kontribusi dalam semua bidang pengetahuan dari klasik ke ilmu dan dari teori terapan. Cita-cita, tidak konvensional untuk saat ini, ditangkap di’s moto Cornell, tahun 1.865 Ezra Cornell kutipan: “akan menemukan sebuah lembaga mana pun dapat orang menemukan instruksi dalam setiap. Studi saya”  Sejak didirikan, Cornell juga menjadi pengajar yang non sektarianinstitusi terlepas dari agama atau ras. Cornell menawarkan program dalam seni liberal , teknik , pertanian , manajemen , hukum , kedokteran dan kedokteran hewan .  Universitas ini secara luas disusun dalam tujuh sarjana perguruan tinggi dan tujuh lulus divisi di kampus utama Ithaca, dengan masing-masing perguruan tinggi dan pembagian mendefinisikan standar masuk sendiri dan program akademik di otonomi dekat. Universitas ini juga mengelola medis satelit kampus dua, satu di New York City dan satu di Kota Pendidikan , Qatar . Cornell adalah salah satu dari dua swasta universitas hibah  , dan tujuh perguruan tinggi sarjana meliputi empat negara yang didukung atau kontrak perguruan tinggi hukum .  Universitas ini  juga mengoperasikan ekstensi koperasi outreach program di setiap kabupaten kota New York.
Cornell mempunyai lebih dari 255.000 alumni , 31 Marshall Scholars , 28 Rhodes Scholars dan 41 peraih Nobel yang berafiliasi dengan universitas.  Jumlah siswa terdiri dari lebih dari 13.000 sarjana dan 6.000 mahasiswa pascasarjana dari seluruh 50 negara bagian dan 122 negara
 6. University of Wisconsin Madison
Universitas Wisconsin–Madison adalah universitas riset negeri Amerika Serikat yang terletak di Madison, Wisconsin. alam hal pencapaian dan prestasi, Universitas Wisconsin–Madison telah lama dikenal sebagai salah satu universitas unggulan Amerika Serikat. Banyak program universitas ini yang dianggap sebagai pemimpin dunia dalam hal instruksi, penelitian, dan jasa publik. US News and World Report pada tahun 2006 mencantumkan Universitas Wisconsin–Madison sebagai universitas negeri terbaik Amerika Serikat ke-7.
Universitas ini didirikan pada tahun 1848, dan merupakan universitas terbesar di negara bagian Wisconsin, dengan lebih dari 41.000 mahasiswa, dan 29.000 diantaranya merupakan sarjana. elain nama resminya, Universitas Wisconsin–Madison, universitas ini juga dikenal dengan nama UW–Madison, Madison, Wisconsin, Universitas Wisconsin atau UW.
7.  University of Michigan
Universitas Negeri Michigan terletak di East Lansing di sisi Sungai Red Cedar, dan terdiri dari 5.200 acre (21 km²), 2000 acre (8km²) yang telah dikembangkan. Ada 676 bangunan: 203 untuk pendidikan, 154 untuk agrikultur, 245 untuk perumahan dan penyediaan makanan, dan juga 74 bangunan lainnya. Keseluruhan, universitas ini memiliki tempat dalam ruangan seluas 21.931.085 kaki persegi (2.037.464,5 m²). esarnya kampus ini, digabungkan dengan banyaknya pepohonan dan kurangnya lapangan yang terpusat membuat kampus ini indah dan juga sulit dinavigasi.
 8. University of Minnesota
University of Minnesota adalah sebuah universitas riset publik yang terletak di Minneapolis dan St Paul , Minnesota , United States . Paul , Minnesota , Amerika Serikat .  Universitas adalah bagian terbesar dan tertua dari University of Minnesota. Memiliki jumlah mahasiswa terbesar ke empat di Amerika dengan jumlah  dengan 51721 siswa di 2010-2011.  University of Minnesota adalah peringkat di antara 25  berdasarkan penelitian the Center for Measuring University Performance  memperhitungkan total penelitian account, penelitian federal, aset abadi, tahunan memberi, National Academy anggota, penghargaan fakultas, doktor diberikan, diangkat postdoctoral, dan SAT sarjana / rentang ACT
9. University of Washington
Universitas Washington adalah salah satu dari dua universitas negeri di negara bagian Washington, Amerika Serikat. Universitas yang biasa dieja dengan nama U-Dap ini memiliki tiga kampus, masing-masing di Seattle, Bothell, dan Tacoma. Universitas ini disebut sebagai salah satu “Ivy League untuk umum”, sejajar dengan delapan perguruan tinggi privat teratas di AS. UW memiliki 140 jurusan yang dibagi menjadi 18 departemen. Jurusan-jurusan yang terkenal antara lain jurusan Ilmu Komputer, Bisnis, dan Engineering (Keinsinyuran). Perpustakaan akademik UW termasuk salah satu yang terbesar di AS.

Ukuran pratayang ini: 800 × 172 piksel
 10. University of Pennsylvania
Universitas Pennsylvania (University of Pennsylvania; “Penn”) adalah sebuah universitas swasta di Philadelphia, Pennsylvania, Amerika Serikat. Universitas ini didirikan pada tahun 1740 dan merupakan anggota Ivy League. Universitas Pennsylvania terkenal akan program-program profesionalnya, termasuk sekolah bisnis, hukum dan kedokterannya. Mahasiswa prasarjananya berjumlah sekitar 10.000 orang sementara mahasiswa pascasarjananya berjumlah sekitar 9.000 orang.

Gold price

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Gold price history in 1960-2011

Gold has been used throughout history as money and has been a relative standard for currency equivalents specific to economic regions or countries. Many European countries implemented gold standards in the latter part of the 19th century until these were dismantled in the financial crises involving World War I. After World War II, the Bretton Woods system pegged the United States dollar to gold at a rate of US$35 per troy ounce. The system existed until the 1971 Nixon Shock, when the US unilaterally suspended the direct convertibility of the United States dollar to gold and made the transition to a fiat currency system. The last currency to be divorced from gold was the Swiss Franc in 2000.

Since 1919 the most common benchmark for the price of gold has been the London gold fixing, a twice-daily telephone meeting of representatives from five bullion-trading firms of the London bullion market. Furthermore, gold is traded continuously throughout the world based on the intra-day spot price, derived from over-the-counter gold-trading markets around the world (code "XAU"). The following table sets forth the gold price versus various assets and key statistics:
Year Gold USD/ozt[4] DJIA USD[5] World GDP
USD tn[6] US Debt USD bn[7] Trade Weighted US dollar Index[8]
1970 37 839 3.3 370

1975 140 852 6.4 533 33.0
1980 590 964 11.8 908 35.7
1985 327 1,547 13.0 1,823 68.2
1990 391 2,634 22.2 3,233 73.2
1995 387 5,117 29.8 4,974 90.3
2000 273 10,787 31.9 5,662 118.6
2005 513 10,718 45.1 8,170 111.6
2010 1,410 11,578 ... 14,025 99.9
1970 to 2010 net change, %

3,792 1,280 ... 3,691 ...
1975 (post US off gold standard) to 2010 net change, %

929 1,259 ... 2,531 ...


In March 2008, the gold price exceeded US$1,000,[9] achieving a nominal high of US$1,004.38. In real terms, actual value was still well below the US$599 peak in 1981 (equivalent to $1417 in U.S. 2008 dollar value). After the March 2008 spike, gold prices declined to a low of US$712.30 per ounce in November. Pricing soon resumed on upward momentum by temporarily breaking the US$1000 barrier again in late February 2009 but regressed moderately later in the quarter.

Later in 2009 the March 2008 intra-day spot price record of US$1,033.90 was broken several times in October, as the price of gold entered parabolic stages of successively new highs when a spike reversal to $1226 initiated a retrace of the price to the mid-October levels.

On August 22, 2011 gold reached a new record high of $1908.00 at the London Gold Fixing[10]

INVESTASI DAN TRADING EMAS ATAU PERAK

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Tahukah anda bahwa investasi Emas dan Perak memiliki suatu prospek yang sangat bagus. Kami Gainscope.com menawarkan kepada anda suatu peluang untuk memanfaatkan situasi tersebut dengan bertrading di instrumen Emas dan Perak tersebut – Trading Gold , Trading Silver (Dengan kodenya XAU/USD dan XAG/USD ).
Bertrading dengan broker kredibel yang legal dan teregulasi oleh pemerintah melalui CFTC, NFA dan MFSA di tempat kami dapat memberikan anda suatu jaminan keamanan bagi penempatan dana anda termasuk dengan kelancaran penarikan keuntungan (profit) yang didapat, berapapun jumlahnya. Dan TANPA terdapat unsur manipulasi trading ataupun intervensi “bandar”.
Perencanaan investasi di bidang Emas ataupun Perak (atau trading gold dan silver) sangat menjanjikan untuk jangka panjang, terutama untuk instrument Perak (XAG) yang berpeluang naik lebih kencang di kedepannya.
(lihat perbandingan grafik di bawah ini)
Perbandingan lonjakan harga Emas dan Perak dalam kurun waktu 5 Tahun
Emas vs Perak dalam 5 tahun

Perbandingan lonjakan harga Emas dan Perak dalam kurun waktu 1 tahun
Emas dan Perak dalam 1 Tahun
Sumber : Google Finance – ETF

Dengan perbandingan tersebut dapat terlihat bahwa dalam kurun 5 tahun yang lalu Emas memang bergerak lebih baik daripada Perak, tetapi dalam 1 tahun terakhir Perak atau Silver bergerak lebih kencang dan menghasilkan Gain atau kenaikan hingga 118% per tahun atau sekitar 10% per bulannya.
Kami Gainscope menyediakan kepada anda sarana dan fasilitas untuk bertrading di kedua instrumen tersebut (trading emas dan perak), dengan fitur yang menguntungkan sebagai berikut:
  • Modal awal yang kecil untuk memulainya, yaitu $250
  • Tanpa Komisi
  • Tersedia account micro, mini, regular. (Emas micro, Emas mini hingga Regular)
  • Volume lot mulai 0.01 (fleksibel lot)
  • Persentase Kontrak Leverage hingga 0.25% (1:400). by request
  • Nilai per point untuk Emas dimulai dari USD $0.01 , Perak USD $0.1
  • Anda dapat membeli emas dan perak tersebut meski hanya dengan margin kurang dari $5 saja (0.01 lot)
  • Nilai Kontrak (Contract Size) yang lebih menguntungkan*. Yaitu Emas adalah 100 , Perak adalah 1000
  • Tersedia account dengan Bebas biaya menginap (Swap Free account). by request
  • Spread emas dan perak yang rendah dan kompetitif
  • Peluang di 2 arah pergerakan order (naik dan turun, atau Buy dan Sell)
  • Tanpa batasan atau limitasi
  • Boleh menggunakan Robot atau Trading Otomatis
  • Bisa menggunakan fitur Trailing Stops
  • Memperbolehkan untuk Hedging
  • Tanpa Intervensi dealer
  • Segregated Account
  • Penempatan dana di Bank JP Morgan Chase – Amerika Serikat (salah satu bank terbesar di dunia)
  • Trading secara Online dan Realtime
  • Tersedia online support melalui team CS kami
  • Bebas dari Resiko pencurian uang, karena kami menolak transfer dana dengan pihak ke 3/perantara, serta Tanpa e-currency berjenis offshore seperti Liberty Reserve dan sejenisnya
  • Jaminan keamanan untuk penempatan dana di broker yang teregulasi oleh pemerintah Amerika Serikat melalui CFTC.gov
*Penjelasan mengenai nilai kontrak : Nilai Kontrak 100 yaitu berarti dengan bermodal margin sekitar $370 (1 lot) di Gainscope, maka anda sudah dapat membeli emas SETARA dengan 3.1 kg emas batangan.
Nilai keuntungannya pun juga sama besarnya, tetapi dengan bermodal lebih kecil, karena di Gainscope menggunakan sistem Margin (atau = bayar Uang Muka saja (%leverage)).
(Perhitungan margin diatas dengan asumsi harga emas pada saat itu $1480/troy ounce. Leverage 1:400)
1 troy ounce = sekitar 31.1 gram

Rumus Perhitungan untuk Trading Emas (Gold)
Margin yang digunakan = harga kurs emas saat itu X volume lot X 100 X %leverage
Contoh: 1400 x 0.01 x 100 x 0.5% = $7
0.01 lot emas (gold) bernilai $0.01 per pointnya
Rumus Perhitungan untuk Trading Perak (Silver)
Margin yang digunakan = harga kurs perak saat itu X volume lot X 1000 X %leverage
Contoh: 40 x 0.01 x 1000 x 0.5% = $2
0.01 lot perak (silver) bernilai $0.1 per pointnya

Persentase Leverage
1:50 = 2%
1:100 = 1%
1:200 = 0.5% (Default standardnya)
1:400 = 0.25%

Mengapa Emas dan Perak ?
Karena Emas dan Perak merupakan salah satu logam mulia yang unik dan digunakan di berbagai keperluan pokok umat manusia, seperti sebagai cadangan devisa suatu negara, penunjang suatu nilai mata uang, perhiasan, pengganti uang, untuk keperluan industri, dan lain-lain. Disamping itu dipengaruhi juga dengan ketersediaan emas dan perak yang terbatas, dan tingkat kestabilan politik yang seringkali juga mempengaruhi pergerakan logam tersebut. Sehingga emas dan perak sangat cocok dijadikan suatu pilihan investasi yang patut dilirik untuk jangka panjang dan aman.

Diberdayakan oleh Blogger.