General Insurance is the way to prevent household financial from risk.

Can we predict the risk? can we solve financial problem when risk hit us?
We can't predict earthquake, vulcano erupsion, tsunami, or criminal cases. All that mentioned before can be called it as risk. The risk is the combination of the probability of an event and its negative consequences. According to http://www.preventionweb.net/english/countries/statistics/risk.php?cid=80, earthquake had a great impact in Indonesia. It could make GDP losses around US$79.13 billion . Can you make a fast recovery when it happens to you? That's why we need general insurance. Insurance can recover your financial loss. You manage your risk when you buy insurance. You'll be a risk manager for yourself.
What kind of insurance that we need? The first that you can do is identify your risk and then classify your risk based on likelihood of risk occuring and impact of risk. Choose the risk that can make high impact but low likelihood or high impact and high likelihood. Call your insurance agent to ask what is the appropriate insurance. How much budget do we need for insurance? In my opinion you must spent maximal 5-10% from your income.

Tsunami and Effect for Japanesse Industry

Tsunami hitted East Japanesse a week ago. Tsunami destroyed Miyagi distict and caused problems to Nuclear reactor. Japan will be a second chournebille according to newspapers. News made foods from Japan had decreased. Informations from news made investors panic. Because of that Japanesse Market had been collapse and many investors sold their stocks which came from Japanese coorporation. What's the implication from Japan for market analyze?
Based on Theory from books we know that when stocks prices decrease, it'll be rebound again. We needs much information and follow news every day. The data give market analyze confidence in predicting stocks price. Of course, from one analyst predicts the market will be different in the stock price with other market analysts. This gap information will make stocks price increase or decrease slowly.