Iseng Cari Alamat Rumah, Cowok Ini Malah Temukan Sosok Ayahnya Yang Udah Meninggal 2 Tahun Lalu!


Karena perkembangan teknologi sekarang kita menjadi dimudahkan dalam berbagai hal. Banyak aspek kehidupan yang sekarang sangat bergantung pada gadget terutama smartphone. Semua orang sekarang pasti membutuhkan smartphone untuk menjalani aktifitasnya sehari-hari. Mulai untuk berkomunikasi, akses transportasi, mencari informasi, pesan tiket, transfer uang dan lain sebagainya.

Banyak fungsi yang bisa dikerjakan oleh sebuah smartphone, termasuk mencari alamat. Dulu kita masih sangat kesusahan dalam mencari alamat sebuah tempat. Sebelum ada Google Map, pertama harus cari nama tempatnya dan alamatnya di internet. Lalu membuka peta konvensional dan mencari arah menuju Kesana. Sekarang tinggal kita memberikan perintah suara dan smartphone langsung mencari lokasi tersebut. Bahkan estimasi waktu dan jarak lokasi tujuan juga langsung muncul.

Nah, hal ini jusa dilakukan oleh pemilik akun Instagram @poloreza89. Akun @poloreza89 juga mencari alamat rumahnya dengan menggunakan fitur Google Map. Sebagaimana kita ketahui fitur Google Map juga telah dilengkapi dengan tampilan Street View. Jadi, kita bisa langsung melihat tampilan kondisi jalan dan tempat yang dicari secara 3D. Namun pria pemilik akun @poloreza89 ini kaget ketika menelusuri alamat rumahnya dengan menggunakan tampilan Street View.  Pria ini mencari alamat rumahnya di daerah Margahayu Raya, Bandung Saat menelusuri dengan Google Map, pria ini menemukan sosok memakai sarung dan kopiah di dekat rumahnya. Sosok ini tertangkap sangat jelas oleh kamera Street View. Pria pemilik akun @poloreza89 merasa familiar dengan sosok yang memakai sarung dan kopiah itu. Kaget dengan penemuannya ini, dia lantas mengunggahnya ke Instagram pada Kamis (26/10/2017).

Begini cerita akun @poloreza89 selengkapnya: "Kaget pas searching alamat rumah di margahayu raya melalui googel map, ternyata ada sosok almarhum bapak saya yg baru balik solat jumat.. sedang kan almarhum bapak saya sudah meninggal 2 tahun yang lalu kenapa secara kebetulan almarhum bapak saya yang ke foto nya sedngkan di daerah saya banyak.orang lain yang bisa ke foto oleh google maps.. subhanalloh terlepas Google Maps telat update.. ciri khas sarung, kopeah dan baju koko khas almarhum bapak saya.. saya minta doanya dari kawan-kawan semua yahh agar almarhum bapak saya bisa tenang di alam sana..alfatihahhhh... ." 

Sosok yang memakai sarung, kopiah dan baju koko itu adalah alamarhum ayah dari @poloreza89 yang telah meninggal 2 tahun yang lalu. Postingan dari @poloreza89 ini telah mendapatkan like lebih dari 29 ribu. Namun sayangnya tak ada komentar di sana.
Since its inception about fifty years ago, D&O insurance has evolved into a family of products responding differently to the needs of publicly traded companies, privately held businesses and not-for-profit entities and their respective board members, officers and trustees. Directors' & Officers' Liability, Executive Liability or Management Liability insurance are essentially interchangeable terms. However, insuring agreements, definitions, exclusions and coverage options vary materially depending upon the type of policyholder being insured and the insurer underwriting the risk. Executive Liability insurance, once considered a necessity solely for publicly traded companies, particularly due to their exposure to shareholder litigation, has become recognized as an essential part of a risk transfer program for privately held companies and not-for-profit organizations. Optimization of protection is a common goal shared by all types of organizations. In our opinion, the best way to achieve that objective is through engagement of highly experienced insurance, legal and financial advisors who work collaboratively with management to continually assess and treat these specialized enterprise risk exposures. Private Company D&O Exposures In 2005, Chubb Insurance Group, one of the largest underwriters of D&O insurance, conducted a survey of the D&O insurance purchasing trends of 450 private companies. A significant percentage of respondents gave the following reasons for not purchasing D&O insurance: • did not see the need for D&O insurance, • their D&O liability risk was low, • thought D&O risk is covered under other liability policies The companies responding as non-purchasers of D&O insurance experienced at least one D&O claim in the five years preceding the survey. Results showed that private companies with 250 or more employees, were the subject of D&O litigation during the preceding five years and 20% of companies with 25 to 49 employees, experienced a D&O claim. The survey revealed 43% of D&O litigation was brought by customers, 29% from regulatory agencies, and 11% from non-publicly traded equity securities holders. The average loss reported by the private companies was $380,000. Companies with D&O insurance experienced an average loss of $129,000. Companies without D&O insurance experienced an average loss of $480,000. Some Common Examples of Private Company D&O Claims • Major shareholder led buy-outs of minority shareholders alleging misrepresentations of the company's fair market value • purchaser of a company or its assets alleging misrepresentation • sale of company assets to entities controlled by the majority shareholder • creditors' committee or bankruptcy trustee claims • private equity investors and lenders' claims • vendors alleging misrepresentation in connection with an extension of credit • consumer protection and privacy claims Private Company D&O Policy Considerations Executive Liability insurance policies for privately held companies typically provide a combination or package of coverage that includes, but may not be limited to: Directors' & Officers' Liability, Employment Practices Liability, ERISA Fiduciary Liability and Commercial Crime/ Fidelity insurance. D&O policies, whether underwritten on a stand-alone basis or in the form of a combination-type policy form, are underwritten on a "claims-made" basis. This means the claim must be made against the Insured and reported to the insurer during the same effective policy period, or under a specified Extended (claims) Reporting Period following the policy's expiration. This is a completely different coverage trigger from other liability policies such as Commercial General Liability that are traditionally underwritten with an "occurrence" trigger, which implicates the insurance policy that was in effect at the time of the accident, even if the claim is not reported until years later. "Side A" coverage, which protects individual Insureds in the event the Insured entity is unable to indemnify individuals, is a standard agreement contained within many private company policy forms. These policies are generally structured with a shared policy limit among the various insuring agreements resulting in a more affordable insurance product tailored to small and mid-sized enterprises. For an additional premium, separate policy limits may be purchased for one or more of each distinct insuring agreement affording a more customized insurance package. Also, policies should be evaluated to determine whether they extend coverage for covered "wrongful acts" committed by non-officers or directors, such as employees, independent contractors, leased, and part-time employees. Imputation of Knowledge & Severability Coverage can be materially affected if an Insured individual has knowledge of facts or circumstances or was involved in wrongful conduct that gave rise to the claim, prior to the effective date of policy under which the claim was reported. Policies differ as to whether and to what extent, the knowledge or conduct of one "bad actor" may be imputed to "innocent "individual Insureds and / or to the Insured entity. "Severability", is an important provision in D&O policies that is often overlooked by policyholders until it threatens to void coverage during a serious pending claim. The severability clause can be drafted with varying degrees of flexibility-- from "partial" to "full severability." A "full severability" provision is always most preferable from an Insured's standpoint. Many D&O policies, impute the knowledge of certain policy-specified senior level officer positions to the Insured entity. That imputation of knowledge can operate to void coverage that might have otherwise been available to the Insured entity. M&A and "Tail Coverage" Considerations The "claims-made" coverage trigger is critically important in an M&A context where contingent liability risks are inherent. In these contexts, it's important to evaluate the seller's policies' options to purchase a "tail" or "extended reporting period" for each of the target company's policies containing a "claims-made" trigger. A "tail" coverage option allows for the reporting of claims alleging "wrongful acts" that occurred during the expired policy period, yet were not actually asserted against the Insured until after the policy's expiration, but instead were asserted during the "extended reporting" or "tail" period. An acquiring company's insurance professional should work closely with legal counsel's due diligence team to identify and present alternatives to manage contingent exposures. What a Director or Officer Doesn't Know Will Hurt Them Directors' & Officers' Liability insurance policies were originally created solely to protect the personal assets of the individuals serving on public company boards and executive officers. In 1992, one of the most prominent D&O insurers led a major transformational change in D&O underwriting by expanding coverage to include certain claims against the insured entity. Entity coverage for publicly traded companies is typically restricted to securities claims, while privately held companies and not-for-profit organizations benefit from more comprehensive entity coverage because they lack the public securities risk exposure of publicly traded companies. The "Claims- Made" Coverage Trigger D&O policies are universally underwritten on a 'claims-made' basis. This translates to an unequivocal contractual requirement that the policyholder report claims made against an Insured to the insurer during the effective policy period. The only exception is in the case where an optional reporting 'tail' is purchased which affords the Insured the ability to report claims during a specified "extended reporting period," as long as the wrongful act occurred during the effective period of the immediately preceding policy.

Iseng Cari Alamat Rumah, Cowok Ini Malah Temukan Sosok Ayahnya Yang Udah Meninggal 2 Tahun Lalu!
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