Sabtu, 27 April 2019

Jadi 'Spoiler' Film Avengers: Endgame, Seorang Pria Babak Belur Dihajar Penonton di Luar Bioskop

Seorang pria babak belur karena jadi 'spoiler' film Avangers:Endgame

Fire Insurance Under Indian Insurance Law A contract of Insurance comes into being when a person seeking insurance protection enters into a contract with the insurer to indemnify him against loss of property by or incidental to fire and or lightening, explosion, etc. This is primarily a contract and hence as is governed by the general law of contract. However, it has certain special features as insurance transactions, such as utmost faith, insurable interest, indemnity, subrogation and contribution, etc. these principles are common in all insurance contracts and are governed by special principles of law. FIRE INSURANCE: According to S. 2(6A), "fire insurance business" means the business of effecting, otherwise than incidentally to some other class of insurance business, contracts of insurance against loss by or incidental to fire or other occurrence, customarily included among the risks insured against in fire insurance business. According to Halsbury, it is a contract of insurance by which the insurer agrees for consideration to indemnify the assured up to a certain extent and subject to certain terms and conditions against loss or damage by fire, which may happen to the property of the assured during a specific period. Thus, fire insurance is a contract whereby the person, seeking insurance protection, enters into a contract with the insurer to indemnify him against loss of property by or incidental to fire or lightning, explosion etc. This policy is designed to insure one's property and other items from loss occurring due to complete or partial damage by fire. In its strict sense, a fire insurance contract is one: 1. Whose principle object is insurance against loss or damage occasioned by fire. 2. The extent of insurer's liability being limited by the sum assured and not necessarily by the extent of loss or damage sustained by the insured: and 3. The insurer having no interest in the safety or destruction of the insured property apart from the liability undertaken under the contract. LAW GOVERNING FIRE INSURANCE There is no statutory enactment governing fire insurance, as in the case of marine insurance which is regulated by the Indian Marine Insurance Act, 1963. the Indian Insurance Act, 1938 mainly dealt with regulation of insurance business as such and not with any general or special principles of the law relating fire of other insurance contracts. So also the General Insurance Business (Nationalization) Act, 1872. in the absence of any legislative enactment on the subject , the courts in India have in dealing with the topic of fire insurance have relied so far on judicial decisions of Courts and opinions of English Jurists. In determining the value of property damaged or destroyed by fire for the purpose of indemnity under a policy of fire insurance, it was the value of the property to the insured, which was to be measured. Prima facie that value was measured by reference of the market value of the property before and after the loss. However such method of assessment was not applicable in cases where the market value did not represent the real value of the property to the insured, as where the property was used by the insured as a home or, for carrying business. In such cases, the measure of indemnity was the cost of reinstatement. In the case of Lucas v. New Zealand Insurance Co. Ltd.[1] where the insured property was purchased and held as an income-producing investment, and therefore the court held that the proper measure of indemnity for damage to the property by fire was the cost of reinstatement. INSURABLE INTEREST A person who is so interested in a property as to have benefit from its existence and prejudice by its destruction is said to have insurable interest in that property. Such a person can insure the property against fire. The interest in the property must exist both at the inception as well as at the time of loss. If it does not exist at the commencement of the contract it cannot be the subject-matter of the insurance and if it does not exist at the time of the loss, he suffers no loss and needs no indemnity. Thus, where he sells the insured property and it is damaged by fire thereafter, he suffers no loss. RISKS COVERED UNDER FIRE INSURANCE POLICY The date of conclusion of a contract of insurance is issuance of the policy is different from the acceptance or assumption of risk. Section 64-VB only lays down broadly that the insurer cannot assume risk prior to the date of receipt of premium. Rule 58 of the Insurance Rules, 1939 speaks about advance payment of premiums in view of sub section (!) of Section 64 VB which enables the insurer to assume the risk from the date onwards. If the proposer did not desire a particular date, it was possible for the proposer to negotiate with insurer about that term. Precisely, therefore the Apex Court has said that final acceptance is that of the assured or the insurer depends simply on the way in which negotiations for insurance have progressed. Though the following are risks which seem to have covered Fire Insurance Policy but are not totally covered under the Policy. Some of contentious areas are as follows: FIRE: Destruction or damage to the property insured by its own fermentation, natural heating or spontaneous combustion or its undergoing any heating or drying process cannot be treated as damage due to fire. For e.g., paints or chemicals in a factory undergoing heat treatment and consequently damaged by fire is not covered. Further, burning of property insured by order of any Public Authority is excluded from the scope of cover. LIGHTNING : Lightning may result in fire damage or other types of damage, such as a roof broken by a falling chimney struck by lightning or cracks in a building due to a lightning strike. Both fire and other types of damages caused by lightning are covered by the policy. AIRCRAFT DAMAGE: The loss or damage to property (by fire or otherwise) directly caused by aircraft and other aerial devices and/ or articles dropped there from is covered. However, destruction or damage resulting from pressure waves caused by aircraft traveling at supersonic speed is excluded from the scope of the policy. RIOTS, STRIKES, MALICIOUS AND TERRORISM DAMAGES: The act of any person taking part along with others in any disturbance of public peace (other than war, invasion, mutiny, civil commotion etc.) is construed to be a riot, strike or a terrorist activity. Unlawful action would not be covered under the policy. STORM, CYCLONE, TYPHOON, TEMPEST, HURRICANE, TORNADO, FLOOD and INUNDATION: Storm, Cyclone, Typhoon, Tempest, Tornado and Hurricane are all various types of violent natural disturbances that are accompanied by thunder or strong winds or heavy rainfall. Flood or Inundation occurs when the water rises to an abnormal level. Flood or inundation should not only be understood in the common sense of the terms, i.e., flood in river or lakes, but also accumulation of water due to choked drains would be deemed to be flood. IMPACT DAMAGE: Impact by any Rail/ Road vehicle or animal by direct contact with the insured property is covered. However, such vehicles or animals should not belong to or owned by the insured or any occupier of the premises or their employees while acting in the course of their employment. SUBSIDENCE AND LANDSLIDE INCULUDING ROCKSIDE: Destruction or damage caused by Subsidence of part of the site on which the property stands or Landslide/ Rockslide is covered. While Subsidence means sinking of land or building to a lower level, Landslide means sliding down of land usually on a hill. However, normal cracking, settlement or bedding down of new structures; settlement or movement of made up ground; coastal or river erosion; defective design or workmanship or use of defective materials; and demolition, construction, structural alterations or repair of any property or ground-works or excavations, are not covered. BURSTING AND/OR OVERFLOWING OF WATER TANKS, APPARATUS AND PIPES: Loss or damage to property by water or otherwise on account of bursting or accidental overflowing of water tanks, apparatus and pipes is covered. MISSILE TESTING OPERATIONS: Destruction or damage, due to impact or otherwise from trajectory/ projectiles in connection with missile testing operations by the Insured or anyone else, is covered. LEAKAGE FROM AUTOMATIC SPRINKLER INSTALLATIONS: Damage, caused by water accidentally discharged or leaked out from automatic sprinkler installations in the insured's premises, is covered. However, such destruction or damage caused by repairs or alterations to the buildings or premises; repairs removal or extension of the sprinkler installation; and defects in construction known to the insured, are not covered. BUSH FIRE: This covers damage caused by burning, whether accidental or otherwise, of bush and jungles and the clearing of lands by fire, but excludes destruction or damage, caused by Forest Fire. RISKS NOT COVERED BY FIRE INSURANCE POLICY Claims not maintainable/ covered under this policy are as follows: o Theft during or after the occurrence of any insured risks o War or nuclear perils o Electrical breakdowns o Ordered burning by a public authority o Subterranean fire o Loss or damage to bullion, precious stones, curios (value more than Rs.10000), plans, drawings, money, securities, cheque books, computer records except if they are categorically included. o Loss or damage to property moved to a different location (except machinery and equipment for cleaning, repairs or renovation for more than 60 days). CHARACTERICTICS OF FIRE INSURANCE CONTRACT A fire insurance contract has the following characteristics namely: (a) Fire insurance is a personal contract A fire insurance contract does not ensure the safety of the insured property. Its purpose is to see that the insured does not suffer loss by reason of his interest in the insured property. Hence, if his connection with the insured property ceases by being transferred to another person, the contract of insurance also comes to an end. It is not so connected with the subject matter of the insurance as to pass automatically to the new owner to whom the subject is transferred. The contract of fire insurance is thus a mere a personal contract between the insured and the insurer for the payment of money. It can be validly assigned to another only with the consent of the insurer. (b) It is entire and indivisible contract. Where the insurance is of a binding and its contents of stock and machinery, the contract is expressly agreed to be divisible. Thus , where the insured is guilty of breach of duty towards the insurer in respect of one subject matters covered by the policy , the insurer can avoid the contract as a whole and not only in respect of that particular subject mater , unless the right is restricted by the terms of the policy. (c) Cause of fire is immaterial In insuring against fire, the insured wishes to protect him from any loss or detriment which he may suffer upon the occurrence of a fire, however it may be caused. So long as the loss is due to fire within the meaning of the policy, it is immaterial what the cause of fire is, generally. Thus , whether it was because the fire was lighted improperly or was lighted properly but negligently attended to thereafter or whether the fire was caused on account of the negligence of the insured or his servants or strangers is immaterial and the insurer is liable to indemnify the insured. In the absence of fraud, the proximate cause of the loss only is to be looked to. The cause of the fire however becomes material to be investigated (1). Where the fire is occasioned not by the negligence of, but by the willful (2) Where the fire is due is to cause falling with the exception in the contract. LIMITATION OF TIME Indemnity insurance was an agreement by the insurer to confer on the insured a contractual right, which prima facie, came into existence immediately when the loss was suffered by the happening of an event insured against, to be put by the insurer into the same position in which the accused would have had the event not occurred but in no better position. There was a primary liability, i.e. to indemnify, and a secondary liability i.e. to put the insured in his pre-loss position, either by paying him a specifying amount or it might be in some other manner. But the fact that the insurer had an option as to the way in which he would put the insured into pre-loss position did not mean that he was not liable to indemnify him in one way or another, immediately the loss occurred. The primary liability arises on the happening of the event insured against. So, the time ran from the date of the loss and not from the date on which the policy was avoided and any suit filed after that time limit would be barred by limitation.[2] WHO MAY INSURE AGAINST FIRE? Only those who have insurable interest in a property can take fire insurance thereon. The following are among the class of persons who have been held to possess insurable interest in, property and can insure such property: 1. Owners of property, whether sole, or joint owner, or partner in the firm owning the property. It is not necessary that they should possession also. Thus a lesser and a lessee can both insure it jointly or severely. 2. The vender and purchaser have both rights to insure. The vendor's interest continues until the conveyance is completed and even thereafter, if he has an unpaid vendor's lien over it. 3. The mortgagor and mortgagee have both distinct interests in the mortgaged property and can insure, per Lord Esher M.R."The mortgagee does not claim his interest through the mortgagor , but by virtue of the mortgage which has given him an interest distinct from that of the mortgagor"[3] 4. Trustees are legal owners and beneficiaries the beneficial owners of trust property and each can insure it. 5. Bailees such as carriers, pawnbrokers or warehouse men are responsible for there safety of the property entrusted to them and so can insure it. PERSON NOT ENTITLED TO INSURE One who has no insurable interest in a property cannot insure it. For example: 1. An unsecured creditor cannot insure his debtor's property, because his right is only against the debtor personally. He can, however, insure the debtor's life. 2. A shareholder in a company cannot insure the property of the company as he has no insurable interest in any asset of the company even if he is the sole shareholder. As was the case of Macaura v. Northen Assurance Co.[4] Macaura. Because neither as a simple creditor nor as a shareholder had he any insurable interest in it. CONCEPT OF UTMOST FAITH As all contracts of insurance are contracts of utmost good faith, the proposer for fire insurance is also under a positive duty to make a full disclosure of all material facts and not to make any misrepresentations or misdescreptions thereof during the negotiations for obtaining the policy. This duty of utmost good faith applies equally to the insurer and the insured. There must be complete good faith on the part of the assured. This duty to observe utmost good faith is ensured b requiring the proposer to declare that the statements in the proposal form are true, that they shall be the basis of the contract and that any incorrect or false statement therein shall avoid the policy. The insurer can then rely on them to assess the risk and to fix appropriate premium and accept the risk or decline it. The questions in the proposal form for a fire policy are so framed as to get all information which is material to the insurer to know in order to assess the risk and fix the premium, that is, all material facts. Thus the proposer is required too give information relating to: o The proposer's name and address and occupation o The description of the subject matter to be insured sufficient for the purpose of identifying it including, o A description of the locality where it is situated o How the property is being used, whether for any manufacturing purpose or hazardous trade.etc o Whether it has already been insured o And also ant personal insurance history including the claims if any made buy the proposer, etc. Apart from questions in the proposal form, the proposer should disclose whether questioned or not- 1. Any information which would indicate the risk of fire to be above normal; 2. Any fact which would indicate that the insurer's liability may be more than normal can be expected such as existence of valuable manuscripts or documents, etc, and 3. Any information bearing upon the more; hazard involved. The proposer is not obliged to disclose- 1. Information which the insurer may be presumed to know in the ordinary course of his business as an insurer; 2. Facts which tend to show that the risk is lesser than otherwise; 3. Facts as to which information is waived by the insurer; and 4. Facts which need not disclosed in view of a policy condition. Thus, assured is under a solemn obligation to make full disclosure of material facts which may be relevant for the insurer to take into account while deciding whether the proposal should be accepted or not. While making a disclosure of the relevant facts, the DOCTRINE OF PROXIMATE CAUSE Where more perils than one act simultaneously or successively, it will be difficult to assess the relative effect of each peril or pick out one of these as the actual cause of the loss. In such cases, the doctrine of proximate cause helps to determine the actual cause of the loss. Proximate cause was defined in Pawsey v. Scottish Union and National Ins. Co.,[5]as "the active, effective cause that sets in motion a train of events which brings about a result without the intervention of any force started and working actively from a new and independent source." It is dominant and effective cause even though it is not the nearest in time. It is therefore necessary when a loss occurs to investigate and ascertain what is the proximate cause of the loss in order to determine whether the insurer is liable for the loss. PROXIMATE CAUSE OF DAMAGE A fire policy covers risks where damage is caused by way of fire. The fire may be caused by lightening, by explosion or implosion. It may be result of riot, strike or on account of any, malicious act. However these factors must ultimately lead to a fire and the fire must be the proximate cause of damage. Therefore, a loss caused by theft of property by militants would not be covered by the fire policy. The view that the loss was covered under the malicious act clause and therefore .the insurer was liable to meet the claim is untenable, because unless and until fire is the proximate cause f damage, no claim under a fire policy would be maintainable.[6] PROCEDURE FOR TAKING A FIRE INSURANCE POLICY The steps involved for taking a fire insurance policy are mentioned below: 1. Selection of the Insurance Company: There are many companies that offer fire insurance against unforeseen events. The individual or the company must take care in the selection of an insurance company. The judgment should rest on factors like goodwill, and long term standing in the market. The insurance companies can either be approached directly or through agents, some of them who are appointed by the company itself. 2. Submission of the Proposal Form: The individual or the business owner must submit a completed prescribed proposal form with the necessary details to the insurance company for proper consideration and subsequent approval. The information in the Proposal Form should be given in good faith and must be accompanied by documents that verify the actual worth of the property or goods that are to be insured. Most of the companies have their own personalized Proposal Forms wherein the exact information has to be provided. 3. Survey of the Property/ Consideration: Once the duly filled Proposal Form is submitted to the insurance company, it makes an "on the spot" survey of the property or the goods that are the subject matter of the insurance. This is usually done by the investigators, or the surveyors, who are appointed by the company and they need to report back to them after a thorough research and survey. This is imperative to assess the risk involved and calculate the rate of premium. 4. Acceptance of the Proposal: Once the detailed and comprehensive report is submitted to the insurance company by the surveyors and related officers, the former makes a thorough perusal of the Proposal Form and the report. If the company is satisfied that their is no lacuna or foul play or fraud involved, it formally "accepts" the Proposal Form and directs the insured to pay the first premium to the company. It is to be noted that the insurance policy commences after the payment and the acceptance of the premium by the insured and the company, respectively. The Insurance Company issues a Cover Note after the acceptance of the first premium. PROCEDURE ON RECEIPT OF NOTICE OF LOSS On receipt of the notice of loss, the insurer requires the insured to furnish details pertaining to the loss in a claim from relating to the following information- 1. Circumstances and cause of the fire; 2. Occupancy and situation of the premises in which the fire occurred; 3. Insured's interest in the insured property; that is capacity in which the insured claims and whether any others are interested in the property; 4. Other insurances on the property; 5. Value of each item of the property at the time of loss together with proofs thereof , and value of the salvage ,if any; and 6. Amount claimed Furnishing such information relating to the claim is also a condition precedent to the liability of the insurer. The above information will enable the insurer to verify whether- (1) The policy is in force; (2) The peril causing the loss is an insured peril; (3) The property damaged or lost is the insured property. Rules for calculation of value of property The value of the insured property is- 1) Its value at the time of loss, and 2) At the place of loss, and 3) Its real or intrinsic value without any regard for its sentimental vale. Loss of prospective profit or other consequential loss is not to be taken into account. FILING OF CLAIMS How a claim arises? After a contract of fire insurance has come into existence, a claim may arise by the operation of one or more insured perils on an unsecured property. There may in addition one or more uninsured perils also operating simultaneously or in succession of the property. In order that the claim should be valid the following conditions must be fulfilled: 1. The occurrence should take place due to the operation of an insured peril or where both insured and other perils operated , the dominant or efficient cause of the loss must have been an insured peril; 2. The operation of the peril must not come within the scope of the policy exceptions; 3. The event must have caused loss or damage of the insured property; 4. The occurrence must be during the currency of the policy; 5. The insured must have fulfilled all the policy conditions and should also comply with requirements to be fulfilled after the claim had arisen. MATERIAL FACTS IN FIRE INSURANCE: PREVIOUS CONVICTION OF THE ACCUSED The criminal record of an assured could affect the moral hazard, which insurers had to assess, and the non-disclosure of a serious criminal offence like robbery by the plaintiff would a material non-disclosure. INSURED'S DUTY ON OUTBREAK OF FIRE, IMPLIED DUTY On the outbreak of a fire the insured is under an implied duty to observe good faith towards the insurers and the in pursuance of it the insured must do his best to avert or minimize the loss. For this purpose he must (1) take all reasonable measures to put out the fire or prevent its spread, and (2) assist the fire brigade and others in their attempts to do so at any rate not come in their way. With this object the insured property may be removed to a place of safety. Any loss or damage the insured property may sustain in the course of attempts to combat the fire or during its removal to a place of safety etc., will be deemed to be loss proximately caused by the fire. If the insured fails in his duty willfully and thereby increases the burden of the insurer, the insured will be deprived of his right to revive any indemnity under the policy.[7] INSURER'S RIGHTS ON THE OUTBREAK OF FIRE (A) Implied Rights Corresponding to the insured's duties the insurers have rights by the law, in view of the liability they have undertaken to indemnify the insured. Thus the insurers have a right to- o Take reasonable measures to extinguish the fire and to minimize the loss to property, and o For that purpose, to enter upon and take possession of the property. The insurers will be liable to make good all the damage the property may sustain during the steps taken to put out the fire and as long as it in their possession, because all that is considered the natural and direct consequence of the fire; it has therefore been held in the case of Ahmedbhoy Habibhoy v. Bombay Fire Marine Ins. Co [8] that the extent of the damage flowing from the insured peril must be assessed when the insurer gives back and not as at the time when the peril ceased. (B) Loss caused by steps taken to avert the risk Damage sustained due to action taken to avoid an insured risk was not a consequence of that risk and was not recoverable unless the insured risk had begun to operate. In the case of Liverpool and London and Globe Insurance Co. Ltd v. Canadian General Electric Co. Ltd., [9] the Canadian Supreme Court held that "the loss was caused by the fire fighters' mistaken belief that their action was necessary to avert an explosion , and the loss was not recoverable under the insurance policy, which covered only damage caused by fire explosion., and the loss was not recoverable under the insurance policy, which covered only damage caused by fire or explosion." (C) Express rights Condition 5- in order to protect their rights well insurers have prescribed for better rights expressly in this condition according to which on the happening of any destruction or damage the insurer and every person authorized by the insurer may enter, take or keep possession of the building or premises where the damage has happened or require it to be delivered to them and deal with it for all reasonable purposes like examining, arranging, removing or sell or dispose off the same for the account of whom it may concern. When and how a claim is made? In the event of a fire loss covered under the fire insurance policy, the Insured shall immediately give notice thereof to the insurance company. Within 15 days of the occurrence of such loss, the Insured should submit a claim in writing, giving the details of damages and their estimated values. Details of other insurances on the same property should also be declared. The Insured should procure and produce, at his own expense, any document like plans, account books, investigation reports etc. on demand by the insurance company. HOW INSURANCE MAY CEASE? Insurance under a fire policy may cease in any of the following circumstances, namely: (1) Insurer avoiding the policy by reason of the insured making misrepresentation, misdescription or non-disclosure of any material particular; (2) If there is a fall or displacement of any insured building range or structure or part thereof , then on the expiry of seven days wherefrom, except where the fall or displacement was due to the action of any insured peril; notwithstanding this, the insurance may be revived on revised terms if express notice is given to the company as soon as the occurrence takes place; (3) The insurance may be terminated at any tie at the request of the insured and at the option of the company on 15 days notice to the insured CONCLUSION Tangible property is exposed to numerous risks like fire, floods, explosions, earthquake, riot and war, etc. and insurance protection can be had against most of these risks severally or in combination. The form in which the cover is expressed is numerous and varied. Fire insurance in its strict sense is concerned with giving protection against fire and fire only. So while granting a fire insurance policy all the requisites need be fulfilled. The insured are under a moral and legal obligation to be at utmost good faith and should be telling true facts and not just fake grounds only with the greed to recover money. Further all insurance policies help in the development of a Developing nation. Hence insurance companies have a burden to help the insured when the insured are in trouble.

Cantik Natural! Inilah 7 Potret Lisa Blackpink Jika Tanpa Make Up, No.3 Bikin Pangling

 Melihat selebriti dengan make up tebal tentu sudah biasa. Tuntutan peran atau acara di TV membuat make up sudah menjadi kebutuhan sehari-hari para pesohor dunia hiburan.
Namun, ada kalanya wajah harus beristirahat dari paparan make up. Dan ada pula waktu di mana artis ini tak malu perlihatkan wajah asli mereka tanpa make up.

Cantik Natural! Inilah 7 Potret Lisa Blackpink Jika Tanpa Make Up, No.3 Bikin Pangling
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Sebagai seorang selebriti papan atas korea selatan yang memiliki banyak penggemar, penampilan Lisa Blackpink selalu menjadi sorotan publik. Tak hanya karena parasnya yang cantik, gaya swag natural wanita keturunan thailand ini juga kerap mencuri perhatin publik. Bahkan dibeberapa kesempatan, wanita berusia 21 tahun ini tak segan tampil dimuka umum tanpa polesan makeup diwajahnya.
Penasaran seperti apa wajah Lisa Blackpink jika tanpa menggunakan makeup? yuk simak potretnya dibawah ini.
1. Penampilan Lisa tanpa make up sukses mencuri perhatian publik.

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2. Tak hanya Cantik, wanita keturunan Thailand ini juga jago dance.

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3. Saat ini Lisa baru berusia 21 tahun.

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4. Nama Lisa hanyalah nama panggung, sedangkan nama aslinya adalah Panpriya Manoban.

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5. Saat bergaya kasual, Lisa tetap terlihat cantik

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6. Lisa bersama para sahabatnya.

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7. Karena wajahnya yang imut dan mempesona, banyak pria yang mengidolakannya termasuk repper tanah air, Young Lex.

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Bagaimana sobat ucers, apakah km salah satu yang mengidolakan Lisa Blackpink?

Benarkah Orang Jawa Pantang Menikah Dengan 2 Suku Yang Ada Di Indonesia Ini?

Benarkah Orang Jawa Pantang Menikah Dengan 2 Suku Yang Ada Di Indonesia Ini?
Pernah nggak anda mendengar mitos mengenai larangan suku Jawa menikah dengan suku-suku tertentu yang ada di Indonesia? Meski hanya dianggap mitos, namun masih ada beberapa orang yang memegang teguh kepercayaan tersebut. Sebagian orang menganggap pernikahan antar suku tertentu diyakini akan menjadi pernikahan singkat atau tidak langgeng, bahkan penuh dengan kesengsaraan.
Sejatinya, mitos adalah bagian dari folklore atau yang biasa disebut dengan legenda rakyat, lebih tepatnya suatu kebudayaan yang diwariskan oleh orang-orang terdahulu secara turun menurun, baik itu secara lisan maupun isyarat.
Seperti yang dilansir (26/04/2019) Menurut pakar Antropolog dari Universitas Indonesia, yang bernama Dr. Irwan Martua Hidayana, M.A mengungkapkan, mitos sebenarnya tercipta dari pengalaman seseorang, jadi pasti ada suatu peristiwa atau sejarah yang berkembang sehingga bisa disebut dengan mitos. Dalam hal ini, mitos mengenai pernikahan antar suku yang berkembang di masyarakat tercipta dari pengalaman suku-suku tertentu saat berinteraksi dengan suku lainnya sehingga bisa menimbulkan kepercayaan masing-masing.
Untuk lebih jelasnya, berikut mitos mengenai suku Jawa yang pantang menikah dengan dua suku yang di Indonesia ini sebagaimana yang dilansir (25/04/2019) :
1. Pernikahan Antara Suku Jawa dan Batak

Mitos ini berkembang sebenarnya bisa dilihat dari karakter masing-masing suku. Suku Batak dikenal memiliki watak yang keras dan blak-blakan sehingga dikhawatirkan bisa menindas suku Jawa yang cenderung memiliki sifat lembut dan penurut. Selain itu, kebanyakan orang Batak biasanya beragama Kristen, sedangkan orang Jawa lebih banyak yang muslim. Meski ada juga orang Batak yang muslim, namun jika mendengar Batak biasanya identik dengan Kristen. Nah, perbedaan agama inilah yang sering membuat pernikahan antara suku Jawa dan Batak dihindari. Padahal jika dilihat saat sekarang ini, banyak juga orang Batak yang beragama muslim. Benar nggak? Jadi nggak ada alasan lagi orang Jawa Pantang menikah dengan orang Batak. Lihat tuh putri presiden kita yang menikah dengan orang Batak. Alhamdulillah sampai sekarang masih langgeng, bahkan sudah dikaruniai anak.
2. Pernikahan Antara Suku Jawa dan Sunda

Tak dapat dipungkiri, pernikahan antara dua suku ini seringkali menjadi perdebatan di kalangan masyarakat. Bahkan, sebagian orang menganggap hal ini cukup tabuh untuk membiarkan kedua suku ini bersatu dalam sebuah pernikahan. Meski saat sekarang ini sudah banyak pernikahan yang terjadi antara suku Jawa dan Sunda, bahkan terbukti pernikahan tersebut berlangsung baik-baik saja dan bisa langgeng. Namun, tabunya pernikahan antara dua suku itu bukan tanpa dasar. Mitos mengenai larangan tersebut bermula dari sejarah perang Bubat antara Majapahit (tanah Jawa) dan Padjadjaran (tanah Sunda). Perang yang terjadi di masa lampau itu seolah membawa sisa permusuhan antara kedua suku, sehingga muncullah mitos mengenai larangan pernikahan tersebut.
Percaya atau tidak dengan mitos di atas itu tergantung diri masing-masing, dan dari segi mana kita memandangnya. Jika ada yang kurang jelas dalam penyampaian, silakan ditanyakan melalui kolom komentar yang tersedia di bawah.

Dijuluki 'Nenek Tercantik di Dunia', Perempuan 52 Tahun Asal Indonesia Ini Terlihat Seperti AGB 19 Tahun

Dijuluki 'Nenek Tercantik di Dunia', Perempuan 52 Tahun Asal Indonesia Ini Terlihat Seperti AGB 19 Tahun

Features of Flood Insurance Were you aware of the fact that your home has a higher chance of being affected by a flood than a fire? As a matter of fact, floods are the primary cause of natural disasters in the U.S. Most people do not know that standard home insurance does not cover damages caused by flood, only flood insurance will help you recover from the losses. Who Needs Flood Insurance? Floods are a result of hurricanes and torrential rainfalls. Flood insurance becomes necessary when you are living in a high flood risk zone, but since flooding occurs in inland areas as well, which are away from rivers and coastal areas, you need it there as well. 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required for zone x flood insurance reform act of 2012 flood insurance rate map fema 1. Building Coverage This coverage protects your buildings against physical damages for both residential and non-residential properties. 2. Contents Coverage It covers your personal belongings and objects inside the house such as ovens, clothes and furniture. 3. Replacement Cost Coverage This helps you to reimburse the cost of replacing your house. Only single family owners can get this insurance and about 80% of the total replacement price can be reimbursed. Waiting Period There is a 30-day waiting period before the coverages comes into effect so do not wait for flood season to purchase the policy. This is also applicable to the changes made in the existing policy. This has been especially designed to prevent claiming coverage for losses that are in progress or if large storms are approaching. This period is not applicable to policy renewal. What Is Covered And What Is Not? Condos, homes, apartments, and even your businesses are eligible for flood insurance. Flood insurance policies are not as comprehensive as most homeowner policies. The policy generally covers dryers and washers, freezers and food inside them, stairways, water tanks, ceilings, oil tanks, walls and furnaces. The insurance company will pay for basic living expenses such as hotel and food while your home is being refurbished but it won't pay for any additional living expenditure. The flood insurance policy will extend to detached garages but you will have to pay for other structures if they qualify for coverage under a different flood policy. Policies also does not cover basement improvements and objects in basement. Flood Insurance Limits Insurance limits are the maximum amount the policy pays for sustained damages. If you meet losses greater than the policy limit then you are responsible for those. The National Flood Insurance Program (NFIP) insures structural elements of the building up till $250,000 for residential buildings and $500,000 on non-residential buildings. Contents coverage according to the program insures belongings up to $100,000 for residential policies and $500,000 for non-residential policies. Policies are available for excess coverage if you want to cover for losses more than the defined limits of NFIP.

Setelah 2 Bulan Pernikahan, Keadaan Sebenarnya Syahrini Dibongkar Sahabat Suaminya Sendiri

Setelah 2 Bulan Pernikahan, Keadaan Sebenarnya Syahrini Dibongkar Sahabat Suaminya Sendiri
Pernikahan Syahrini dan Reino Barack memang mengejutkan banyak orang. Berita tentang pernikahan seleb itu sempat menjadi viral dan diperbincangkan semua kalangan. Akan tetapi, tidak ada yang tahu pasti bagaimana kondisi Syahrini setelah pernikahan tersebut. Sebab, artis yang populer dengan panggilan Incess itu memang menutup diri dari publik setelah pernikahannya yang mengejutkan tersebut.
Namun baru-baru ini, sebuah kabar datang dari sahabat Reino Barack, Andre Talabess. Sebagaimana dikutip dari (26/4/2019), percakapan yang terjadi antara Andre dan Reino mengindikasikan bahwa saat ini Syahrini tengah berbadan dua. Percakapan itu sendiri disiarkan secara langsung melalui akun Instagram Andre.

Sementara Reino Barack hanya tertawa mendengar ucapan temannya itu.
"Aamiin." Sahutnya kemudian.

Kisah Rumah Tangga yang Hancur karena Suami Kebablasan Memainkan Media Sosial

Kisah Rumah Tangga yang Hancur karena Suami Kebablasan Memainkan Media Sosial
Referensi pihak ketiga
Cerita kehancuran rumah tangga kadang dimulai dari tindakan sederhana, suami/istri kebablasan bermain Facebook atau Istagram misalnya. Malam sudah turun ketika Sandra menemukan pesan dari wanita lain di hanphone suaminya. Sandra kaget membaca pesan itu, isinya adalah pesan mesra yang ditujukan kepada suaminya.
Sejak dua bulan lalu, Sandra merasa suaminya bersikap agak berbeda dari sebelumnya. Suaminya kini jarang ngobrol santai dengannya. Paling hanya bicara seperlunya, selebihnya lebih suka menyendiri sambil pegang handphone di kamar.
Awalnya Sandra menganggap hal ini biasa, mungkin suamiku butuh menyendiri, pikirnya. Namun satu mingu sudah berlalu dan tak ada perubahan berarti. Suaminya, Bambang, seakan enggan dekat-dekat lagi dengan istri sendiri.
Tentu saja Sandra akhirnya marah pada Bambang. Dua minggu setelah kebiasaan Bambang menyendiri bersama gadget tak kunjung berubah, Sandra mengamuk dengan suara memelas. Sandra bukan perempuan galak seperti ibu-ibu kebanyakan, ia tetap bicara dengan nada pelan.
“Kamu ngapain sih Mas sendiri terus kalo lagi di rumah,” kata Sandra mengeluh pada Bambang.
Suaminya hanya pura-pura tersenyum dan menjawab bahwa semuanya baik-baik saja. Tidak ada masalah. Ia hanya butuh waktu sendiri. Amukan Sandra mereda dan beralih kepada ketidakacuhan.
Kemarahan yang diabaikan akan berubah jadi ketidakpedulian. Sebab lelah dengan sikap Bambang, Sandra memilih untuk mengabaikan suaminya itu. Lebih baik mengurus anak semata wayangnya yang baru saja masuk TK.
“Anakku lebih membutuhkanku,” batin Sandra.
Bagaimanapun, anaknya, Tiara, adalah oase kesegaran di tengah rumah tangga yang begitu kering, tandus bak padang pasir. Kedua pasangan itu memng sah sebagai suami istri dan tinggal satu atap. Tapi meski bersama, tak ada lagi sapaan sayang atau perhatian mesra.
Bambang menjauh, lalu Sandra yang lelah memilih mengabaikannya. Kondisi ini berjalan dua bulan lamanya sampai Sandra menemukan pesan mesra dari wanita lain di handphone suaminya. Sandra masih mencintai suaminya. Membaca pesan itu membuat hatinya remuk dan hancur.
Saat itu Bambang tengah pergi ke luar rumah tanpa membawa handphone. Lupa sepertinya.
Sore ketika Bambang pulang, Sandra sudah siap bertengkar dan menerima segala macam resiko. Terjadilah pertengkaran dan Bambang tersudut. Nyali Bambang menciut, dipojokkan rasa bersalah dari pesan-pesan mesra yang diketahui istrinya. Malam itu jadi ajang pengakuan dosa.
Bambang bilang ia hanya chat dengan wanita lain di media sosial. Berawal dari kebiasaan bermain Instagram dan mengikuti teman-temannya sendiri. Ia beerkomentar, lalu bertukar pesan pribadi (DM), lalu terjadilah relasi yang tidak seharusnya.
“Kau masih mencintaiku?” tanya Sandra.
“Tentu saja,” Bambang menjawab dengan yakin.
Sandra hanya diam sambil menahan air mata. Bagaimanapun hal ini sangat menyakitkan. Laki-laki yang dipujanya sejak enam tahun lalu melakukan tindakan yang tidak pantas. Mengingat masa lalu, bendungan air mata Sandra jebol. Ia tidak kuasa menahan rasa sakit hati yang diam-diam bersarang di hatinya.
Sandra hanya tahu, rumah tangga yang dibangun dengan kerja nyata dirusak dunia maya. Kenapa suaminya bisa berlaku demikian. Bambang bilang ia tidak pernah bertemu dengan wanita itu dan Sandra memilih percaya.
Meski demikian, itu sudah menyakitkan. Pesan mesra dari wanita lain sudah cukup untuk meremukkan hati seorang istri. Suami yang tidak prehatian saja sudah menyakitkan, apalagi suami yang tidak perhatian dan mesra dengan wanita lain.
Semua hanya dimulai dari media sosial. Dunia maya yang merusak kehidupan nyata. Nampaknya cerita Sandra bisa jadi peringatan untuk pasangan suami istri agar berhati-hati main media sosial apa pun bentuknya.
Sudah banyak rumah tangga hancur karena penggunaan media sosial yang tak bijak. Maksudnya, banyak terjadi perselingkuhan dari media sosial itu. Bahaya sekali jika tidak digunakan dengan tepat dan baik.
Ingatkan suami, peringatkan, kalau nakal jitak aja. Jaga keutuhan rumah tangga Bunda ya, hindarkan dari serangan pihak luar. Semoga kisah ini menjadi peringatan untuk berhati-hati dan tidak berlebihan dalam menggunakan media social.

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