Horoscopes by PsychicDeb for January 2016

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York By PsychicDebAries – Pluto squared Natal Sun – put off important decisions for another month. You’ll do better to attend a musical or theatrical event, watch television, or listen to the radio. If you’re all alone, make good use of your time in developing self-understanding. Pisces plays a key role. Your lucky number is 7. Taurus – Mars opposite Natal Sun – the accent is on privacy, secrets, confidential groups or organizations. Keep thoughts to yourself, especially romantic dreams. Time spent alone can be very rewarding.Gemini – Venus and Saturn opposite Natal Sun – business talents are emphasized. You’ll make enterprising moves, possibly concerning real estate. You feel the desire to settle down permanently. Success arrives with contacts with successful people and the number 8.Cancer – restrictions lift, life becomes more exciting and a fascinating member of the opposite sex shows up. Promote special services, new methods and more cooperation in daily tasks. An intimate discussion with a Gemini provides new views. The lucky number is 5.Leo – Mars Squared Natal Sun – the low lunar cycle suggests that you play a waiting game. Don’t force issues where your mate, partner or associate is concerned. Spend time on practical matters, clearing up minor details. Get help from a professional if needed. Your lucky number is 4.Virgo – Jupiter Conjunct Natal Sun – an aura of mystery surrounds money matters. You could be working in the dark unless you enlist the cooperation of a family member. Eliminate wasteful extravagant habits, learn to manage better. Mutual agreement is necessary on a large purchase. Your lucky number is 6.Libra – Uranus opposite Natal Sun – you open up to new vistas. Foreign ideas, higher education and travel plans are on your mind. Attention will be scattered over a vast range of possibilities – try to be more discriminating in choosing the best path open. Sagittarius and Gemini play key roles.Scorpio – Mars Conjunct Natal Sun – a conversation with a top authority in the field brings excellent results. You have the knack of getting beyond trivialities to the real subjects at hand. Your conversational ability will attract a bright member of the opposite sex. Much fun, variety and fast pace are promised.Sagittarius – Venus and Saturn Conjunct Natal Sun – an inspiring message sets you off on a mission to help someone in need. Your generosity is accented. You’ll be concerned with charity drives, fund-raising or visits to hospitals and convalescents. Romance behind the scenes is possible. An Aries figures in the picture.Capricorn – Mercury and Pluto Conjunct Natal Sun – it’s time to circulate; you’ll be the center of attention at any party or social event. A fascinating stranger compliments you on your intelligence and sense of humor. A versatile approach will work best. Don’t take on more than you can handle; take good care of your health.Aquarius – Ruling planet in the 2nd house – the accent is on the “big picture”. A feeling of confinement can be overcome by increasing your interest in the world beyond your front door. Don’t allow a narrow-minded relative to interfere with your humanitarian outlook and practices. An Aries serves as a reliable guide.Pisces – Jupiter opposite Natal Sun – the emphasis is on routine tasks and attention to details. You’ll derive the greatest pleasure from services to others. Realize that devotion to duty will result in greater rewards than you expected. An Aquarian surprises you with bright ideas. Your lucky number is 4.IF YOU KNOW YOUR RISING SIGN, CONSULT THE HOROSCOPE FOR THAT SIGN AS WELL.Psychicdeb has been a professional astrologer for over 25 yrs. Self-taught, she began her studies in astrology when she was 8 yrs. old learning what she could from her mother’s astrology magazines. As she got older and learned geometry, she searched for books on Astrology and taught herself how to construct a chart. She teaches Astrology for a nominal fee. Psychicdeb also uses the tarot to do psychic readings channeling her spirit guide Helen. Reiki is one of her obsessions. She is a Reiki Master and loves to teach others the benefits of Reiki. Namaste. You can find her at the Original Psychic Fairs on Sundays. A listing of the Fair dates can be found on her website at: www.astro-mate.orglast_img read more

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Allianz Life Indonesia books strong premium growth in Q1

first_imgThroughout 2019, the company recorded a net premium income of Rp 12.47 trillion, a 49 percent year-on-year increase.“Allianz Life Indonesia had a tremendous year in 2019. It continues to outperform the market, supported by our multi-distribution channels,” said Joos.Allianz Life Indonesia chief financial officer Cui Cui reported that, throughout last year, the company saw a 33 percent yoy growth via its agency distribution channel, while sales through the bancassurance channel grew by 20.2 percent. That growth continued throughout this year’s first quarter, as the company booked 26 percent and 55 percent yoy growth in its agency and bancassurance channels, respectively.Read also: COVID-19 exposes flaws in Indonesia’s health insurance program“In terms of investment, we are always very prudent. We have a strong risk management culture,” Cui said during the press conference. The company’s total investment funds, known as assets under management (AUM), amounted to Rp 34.23 trillion in 2019, an 8 percent increase from Rp 31.73 trillion in 2018. Meanwhile, this year, its AUM fell by 8 percent to Rp 27.21 trillion from Rp 29.67 trillion in last year’s first quarter. Its total assets recorded a similar trend. In 2019, they grew by 9 percent to Rp 38.35 trillion from Rp 35.27 trillion. However, during this year’s first quarter, the asset value declined by 5 percent to Rp 32.25 trillion from Rp 33.88 trillion in the equivalent period of last year. The insurance claims and benefit payouts rose by 14 percent to Rp 7.84 trillion in 2019 from Rp 6.86 trillion in 2018. This year, they climbed by 4 percent to Rp 702.12 billion by the end of the first quarter, up from Rp 675.98 billion in 2019’s first quarter. Allianz Life Indonesia still managed to show ample creditworthiness based on its solvency ratio, a metric used to measure a company’s ability to pay its debt obligations. By the end of 2019, it stood at 340 percent. Meanwhile, by the end of 2020’s first quarter, it was at 327.63 percent, well above the mandatory minimum of 120 percent. Read also: Prudential led Indonesian market in 2019 with premium income of Rp 25 trillionThe company’s chief marketing officer, Karin Zulkarnaen, explained during the webinar that the Alliancz tried to maintain communication with its customers as part of its business strategy during the pandemic, including through online channels. Throughout 2019, 92 percent of policies were submitted electronically, while 15 to 20 percent of issuance policies were delivered within five minutes, down from policy issuance of seven to nine days prior. Aside from that, the share of e-policies had reached 46 percent. Today, customers were able to submit claims digitally. Karin added that, insurance and benefits expenses related to COVID-19 amounted to Rp 900 billion in the first three months of the year from total claims and benefit expenses of Rp 2.06 trillion.Topics : In the first quarter of this year, Allianz Life Indonesia’s net premium income amounted to Rp 3.37 trillion, a 42 percent jump from Rp 2.36 trillion during the same period last year. Net profit reached Rp 449.4 billion in the January-March period this year, a 98 percent surge from the same period last year.“Allianz sees there will be a shift to more health products and protection,” Joos said during the company’s livestreamed press conference on Tuesday. “Ultimately, in the medium to longer term, the need for protection will only increase because of this pandemic.”[RA::Allianz Indonesia expands digital services as more people stay home::https://www.thejakartapost.com/news/2020/06/11/allianz-indonesia-expands-digital-services-as-more-people-stay-home.html]Joos noted that the growth of the company was fueled by its two main distribution channels: agency and bancassurance. Allianz Life Indonesia partners with Maybank in delivering life and health insurance products to consumers. Insurance provider Allianz Life Indonesia sees growth potential this year after its net premium income was up 42 percent year-on-year in this year’s first quarter as people shift to health products and protection.Allianz Life Indonesia country manager and president director Joos Louwerier said the company saw potential for growth this year as Indonesia still had low insurance penetration.This was despite the fact that the impact of COVID-19 on the company’s business would be prominent in this year’s second quarter, he added, as Indonesia implemented large-scale social restrictions (PSBB). The PSBB had limited people’s mobility and disrupted business operations.last_img read more

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