memo

secretary PT.Expres
Jl. Rasuna Sahid no 8 Jakarta

To: Aureli Karenina

I invite you to attend the meeting. which will be held:
- On Thursday, 14 April, 2011
- at 9 am
- At the Hotel Sahid

Agenda: the formation of the human resources department

Please come on time.

Sheila

note taking

transfer price is: a unit price of products or services that dibebeankan by one division to another division in an organization lainyang same

method used in transfer pricing:
1. trasnfer based on variable cost + mark up or profit
2. transfer based on the full cost + mark up or profit
3. transfer based on variable costing + mark up or profit
4. transfer based on full costing + mark up or profit
5. transfer based on market prices

exercise 35

1. The President is called by somebody everyday.
2. The others members are being called by John.
3. The document has been delivered by Martha to the departement.
4. The amandement have been repeated by the others members.
5. The information had been received by the delegates before the recess.

asuransi II

Asuransi dibagi menjadi 2 , yaitu :
- General Insurance --> harta benda (objek)
- Kesehatan --> tingkat kesehatan
- Life Insurance --> potensi oleh umur seseorang

Asuransi merupakan mengganti kerugian atau potensi kerugian.
dalam periode terdapat :
- iuran
- UP (Uang Pertanggungan)

iuran dalam asuransi disebut dengan premi

dalam asuransi terdapat isurable interest yaitu adanya kepentingan atau kepemilikan
contohnya : apabila kita ingin mengasuransikan harta benda, harta yang di asuransikan merupakan milik sendiri bukan milik orang lain.
dalam unit link yang jual asuransi bukan bank, bank hanya menerima investasi.

dalam dwi guna apabila pemilik asuransi tidak mengalami kematian selama waktu yang ditetapkan maka ia akan mendapat bomus simpanan tetapi bonus simpanan tidak sebesar uang pertanggungan karena bonus simpanan dari akumulasi premi. ini hanya dapat digunakan dalam asuransi jiwa.