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We are living in the century of globalization, and English is viewed as an international language. In high school, studying other languages like Spanish, French, German or Latin are just subjects and that we can forget it when finishing the course. Nonetheless, in these days, Chinese is developing detail by detail and becomes considered one of interesting subjects in high school and college. Furthermore, a great number of learn Chinese through online courses for the Internet. Why? We can see that Chinese can be so popular that 1 billion people speak it. The Chinese language not merely creates joy for Chinese learners in studying but also brings a handy tool for businessmen and tourists on the world. Human-life approach and the needs approach include the two main methods used to indicate the total amount from the insurance someone needs. Human-life approach is founded on the individual's salary and through discount rate, the existing valuation on life can be identify as the needs approach is based on every unusual and reoccurring expenses. This type of insurance is design to guard you and also enable you to pay a prearranged amount. With this because they authorized the Sikh Army to cross the Sutlej in the headlong confrontation with the English. Ranjit had signed a treaty with the British that forbade him to cross the Sutlej River, but this became broken. The English were however preparing for that conflict and they also had spies inside Lahore Durbar, with the Prime Minister, the grandfather from the present Kashmir ruler( Now deposed) Karan Singh finding yourself in league with these and plotting the defeat with the Sikh Army. This service was at return for him being made the Maharajah of Jammu and Kashmir.