Ternyata Anggapan Tentang ASI sebagai Alat Kontrasepsi Alami itu Salah

How car insurance works Table of Contents Are car insurance rates set by law? How is my car insurance rate set? Why do insurance companies have such different rates? What affects the auto insurance rate quotes I receive? Which factors affect car insurance rates most? Like this: Related Your car insurance rates aren’t an accident. They take into consideration many car insurance factors. Car insurance companies look into just simply the amount coverage you would like to buy, then calculate just simply the amount to charge you driven by likelihood It‘ll need to pay that amount. Whenever you compare auto insurance quotes, you‘re supplying the knowledge the carriers got to conduct the math. Each question represents a method to gauge potential risk. Are car insurance rates set by law? How is my car insurance rate set? Why do car insurance companies have such different rates? What affects the auto insurance quotes I receive? What factors affect car insurance rates most? Are car insurance rates set by law? Yes and no. Car insurance rates are regulated from the states, but so long as companies observe state laws, they‘re liberated to charge whatever they wish. State laws be certain that a company charges a similar rates to drivers who fit a similar risk profile. Another company may charge you a smaller amount, or a lot more, however it, too, must offer same rates to all drivers with pose an identical risk. Insurance companies are prohibited from using certain characteristics in setting their rates, for example race and religion. California, Hawaii and Massachusetts prohibit use of your respective credit information, among others don’t allow companies to penalize you based in your age or your gender. All states set minimum levels of liability insurance coverage. Some require which you buy uninsured motorist coverage. Some make medical payments coverage mandatory. These financial responsibility laws be certain that drivers who inflict injuries on others possess a means to pay out, and those people who are injured have coverage if another driver doesn‘t. Your lender may require which you buy comprehensive and collision coverage to guard your car from physical damage, but states don‘t. How is my car insurance rate set? Whenever you submit a credit card applicatoin for car insurance, you‘re sorted first into an individualized group – say, married drivers with your ZIP code over age 25. Once your customized group is determined, the insurance company calls in the pricing information for the group. It adjusts for just about any negative factors, for example recent traffic violations or perhaps a pattern of claims. It considers the worth of the car you‘re insuring and also the frequency of claims its owners file. Finally, any discounts you be eligible for a are subtracted coming from the price, and also your quote is returned. The math is performed behind the scenes consistent with an algorithm that weighs each risk factor – each bit of data you or your agent enters straight into the system. If you choose to purchase a policy, your quote information goes via a verification process called underwriting. The corporate pulls your driving record and people of anyone else listed upon the policy. It‘s your claims history. It matches your automobile identification number to ensure It‘s the correct model. If the corporate finds an error, It‘s the ideal, within a particular time period, to provide you with a new rate or to cancel the policy. Why do insurance companies have such different rates? Each company has a variety of basic rate groupings and can also set different prices for all those groups, basing its estimate of risk on the amount and value of claims that group has filed during the past. Then the corporate applies its own surcharges and discounts depending on factors specific to some particular driver. Which means car insurance rates can vary considerably in one company to another. An Insurance. com survey of data from six major insurance companies in each and every U. S. ZIP code found the typical difference involving the cheapest and least expensive quotes for a similar driver and car (a 40-year-old homeowner having a clean record buying full coverage on a brand new Honda Accord having a $500 deductible and 100 / 300 / 50 liability limits ) was $1, 144. The large gap between companies is why step one toward cheaper car insurance is comparing quotes, then taking a look at discounts, deductibles and coverage changes. In high-cost states, for example Michigan, California and Louisiana, the difference could be much greater. In low-cost states for example Maine or Ohio, the differences tend to become smaller. What affects the auto insurance rate quotes I receive? Counting on state laws, which could restrict the kind of information an insurance company may use, these factors will often affect your rates : Who you are as a new you : Age, gender, marital status, ZIP code, quantity of years you’ve been licensed, homeownership, occupation, education as well as grades Your record : Accidents, traffic violations, insurance history, credit history, past claims of types What and just how you drive : Owned or financed, current value, annual mileage, claims record for many owners of the model, anti-theft devices and safety features, whether you employ the car for business Just simply the amount coverage you would like : Liability (from minimum levels as much as $500, 000 or even more ), whether you choose comprehensive and collision (both of which carry a deductible that influences their final cost ), medical payments, uninsured motorist, or extras for example rental reimbursement or towing. Which factors affect car insurance rates most? While each car insurance company decides by itself how heavily to weigh a rating factor, clear patterns are evident. For many drivers, these factors are likely to influence rates most : Your ZIP code. Even though you have never filed a claim, your rate can increase dramatically just by moving in one ZIP code to a different. Your age. Drivers with lower than 10 many years of experience pay more. The less experience you‘ve, the worse the penalty. Brand-new drivers will pay a further surcharge on surface of that. Your driving record. Claims are likely to make a difference greater than speeding tickets do. Greater than one among either is bad news, and thus is really a major violation say for example a DUI. Your credit. Insurance companies point to numerous studies that correlate poor credit scores with higher amounts of claims. The flip side : Once your credit improves, your rates should decrease. Your previous insurance coverage. If you‘re not currently insured, you‘re prone to pay much higher rates for a minimum of your first term.
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Sampai saat ini masih banyak ibu yang percaya bahwa ASI bisa menjadi kontrasepsi alami yang mencegah kehamilan. Selain itu, banyak juga Ibu yang tidak menggunakan kontrasepsi saat menyusui karena takut kualitas dan kuantitas ASI mereka terganggu. Tahukah Anda, The British Pregnancy Advisory Service menyebut kepercayaan mengenai hal itu membuat jumlah kehamilan tidak direncanakan meningkat?


Dikutip dari Detik.com, kehamilan tak direncanakan bisa saja terjadi karena ibu tidak menyusui secara tepat atau Lactational Amenorrhea Method (LAM) tidak bekerja efektif.

Apa itu Lactational Amenorrhea Method (LAM)? Lactational Amenorrhea Method (LAM) adalah metode yang dipercaya dapat mendukung kontrasepsi alami dan menekan kesuburan.

Namun LAM hanya bekerja efektif dengan beberapa syarat. 

Pertama, bila usia bayi kurang dari 6 bulan.
Kedua, periode menstruasi belum kembali.
Ketiga, menyusui bayinya secara eksklusif dan menghindari memberi jeda lebih dari 4 jam selama siang hari dan 6 jam saat malam. Artinya juga tidak memberikan minuman atau makanan lain pada bayi Anda.

Oleh karena itu, meskipun menyusui bisa menjadi alat kontrasepsi alami, namun jangan bergantung total kepada kegiatan ini.

Para ibu bisa menghindari kehamilan tak terencana dengan menggunakan alat kontrasepsi meski sedang menyusui. Alat kontrasepsi Andalan bisa menjadi solusi aman dan nyaman bagi ibu menyusui. Sebab Andalan memiliki pilihan metode kontrasepsi yang tidak mengandung hormon estrogen sehingga tidak mempengaruhi hormon prolaktin dalam memproduksi ASI.

Anda bisa memilih beberapa tipe alat kontrasepsi Andalan sesuai kebutuhan. Berikut di antaranya:

1. IUD non-hormonal

Alat kontrasepsi yang tidak mengandung hormon apapun sehingga tidak mengganggu kelancaran menyusui, efektif, dan memiliki masa perlindungan 3 hingga 10 tahun.

2. Andalan Implan

Andalan implan yang hanya mengandung hormon progesteron yang aman untuk ibu menyusui, praktis efektif, dan memberikan perlindungan dari kehamilan hingga 4 tahun.

3. Pil KB Andalan Laktasi

Kontrasepsi praktis yang mengandung hormon progesteron dan tidak akan mengganggu atau mempengaruhi prolaktin sehingga kualitas dan kuantitas ASI tidak akan terganggu.

4. Suntikan KB 3 bulanan

Jenis kontrasepsi yang praktis dan efektif ini mengandung hormon progesteron sehingga tidak berpengaruh terhadap produktivitas ASI. Jadi para ibu, ayo pastikan aktivitas menyusui tetap aman dan nyaman dengan Andalan. Andalan Sahabat Ibu Menyusui!

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Purchasing the Best Car Insurance Table of Contents Buying car insurance : Which method to select? 1. Buying from captive agents 2. Buying from independent agents 3. Buying online Select your kinds of coverage 1. Traditional auto insurance 2. Usage-based auto insurance 3. Per-mile auto insurance Shop around Like this: Related During the past, car insurance wasn't a necessity, as many people went for it and a few Didn't. However, today a car coverage policy is among the crucial things in your lifetime, in case you own a car. People need proper coverage, regardless of how luxurious or modest their car is. The way in which people buy insurance has also changed. During the past, purchasing a car insurance just meant to satisfy your neighborhood agent and request him for it. But now, It's somewhat different, as you've got many other available choices at the disposal from where one can get a vehicle insured, with some entirely new coverage choices. Buying car insurance : Which method to select? When you would like insurance for the car, you could be puzzled as from where you need to get it. Must you do business with an insurance agent or must you go online? You are able to choose among different choices for getting your car insurance. Including : Buying from captive agents Buying from independent agents Buying online. People, preferring personal services and prefer to form face-to-face relationships, should certainly purchase their policy from your agent. But, since there will be different agents, they have to make a decision which is the greatest to the confident people. Among these, many are called 'independent agents, ' who sell insurance for numerous companies and a few are 'captive agents, ' who sell insurance for only one firm. Allow us to see the various features of those agents, so that you could make a decision easily and quickly the ideal agent for only yourself. 1. Buying from captive agents You should purchase your coverage given by a captive agent, if you're dedicated to a particular insurance firm. Since captive agents do business with just one company, they're going to know all the various insurance options provided by that company. And, thus they can help you to construct the ideal package based in your needs. However, captive agents may take more time for them to reply to your questions and to understand your requirements in comparison to independent agents who work with commission. 2. Buying from independent agents You should purchase a policy from your independent agent, if you need to look into the different insurances provided by various companies, as independent agents do business with several companies and never only one particular insurance firm. This manner you can aquire a better rate. And, since independent agents aren't directly employed by any one firm, They Might not push one specific product and can inform you the ideal reasons for all of the insurances. Thus, independent agents can aid you to locate inexpensive coverage for the car. However, since they work with commission, they're under more pressure to grab a deal when possible. 3. Buying online The 3rd option usually is to skip insurance agents completely and to labor directly with the corporate online. However, for that you need to do a lot of the work yourself. You need to conduct a thorough research on seperate coverage providers, whatever they offer, the rates of the insurance, as well as what all their policies covers. Then, you are able to speak with the corporate, that best fits your requirements to procure the coverage itself. Among these, some insurance companies that employ agents don't necessitate you to labor with these and several of them don't employ agents in the least. Buying auto insurance online is among the best choices for you if there is no need enough time and wish to get inexpensive car insurance, because it saves you against paying commission for an insurance agent. If you're unsure concerning your car insurance needs, then buying car insurance online, without an insurance agent can let you to purchase the incorrect, too little, or an excessive amount insurance. Select your kinds of coverage Besides deciding which company to reach with, you need to also consider which policy you would like. There will be three main kinds of policies, including traditional, usage-based, and per-mile car insurance. So, possess a look into these three car insurance coverage programs before you decide to settle for just one particular car insurance. 1. Traditional auto insurance In this sort of auto insurance, the insurers find the quotes to the policy using the help of various personal factors, for example your age, driving history, gender, credit score, etc. Generally, the greater risk you've like a driver as per these factors, the greater high your insurance rates will certainly be. During this, you are able to choose a minimum coverage amount as per the state law or else you are able to select from an extended collection of several types of auto insurance coverage. 2. Usage-based auto insurance Instead of the standard car insurance, where insurers presume your driving skills counting on a listing of different risk factors and also your accident history, usage-based car insurance providers offer you car insurance by seeing you in action in real. In this sort of car insurance, like Allstate’s Drivewise or Progressive’s Snapshot, you receive a telematic device, which you need to plug-in your car. This device records the way you drive and also your driving behavior, especially your bad driving habits like accelerating or hard braking. So, when the device records that you're a low-risk driver, then you are able to save your hard earned money with usage-based car insurance. However, if this records which you frequently drive late through the night or you drive fast, and then it wouldn't assist you save money along with your car insurance. Additionally, many usage-based car insurance programs aren't available in each state. Therefore, if you're devoted to at least one insurance company, then you'll need to switch your business, just in case you transfer to a special state. 3. Per-mile auto insurance Per-mile auto insurance providers also make use of a telematic device, however they concentrate on only one thing, that's how practically just simply the amount you employ your car. However, this car insurance type remains new and Isn't available in each and every state. Among others, Metromile is the greatest provider of per-mile car insurance and will come in seven states until now, that California, Illinois, Oregon, Pennsylvania, New Jersey, Washington, and Virginia. Additionally, per-mile providers use a similar elements as traditional insurers in determining your car insurance rates, but you are able to save a few bucks through its telematic device. If you don't use your car much and utilize it only for emergencies, then your premium can be cut significantly. However, in case you normally drive your car, then there will be fewer chances individuals saving money from it. Shop around Regardless of how you purchase your insurance, whether you opt for a dedicated agent or you directly check in having a car insurance provider, you need to shop around to get the very best rates. Perform some homework and don't just settle for the very first deal which comes the road. The reason being rates for a similar policy can differ in one company to another by lots and lots of dollars. Therefore, comparing different car insurance offers is the greatest possible method to land up a very good deal.
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