Producer Of Record Letter For Group Health Business: Fill & Download for Free

Are you talking about a Life & Health Insurance Agency, Benefits only Agency, or a Property & Casualty Agency?In either case, you do realize that you have to Fully Furnish an office, Desk, File Cabinets, Computers, Printers/Scanners/Fax/Copiers, and PAY monthly rent & utilities. Most companies &/or landlords require you to prove that you have: Liability Insurance and Professional Liability Insurance (Plus Glass if there are substantial windows). And that is all before you even get a contract with a company to represent them, though you might get a promise of a contract, you won’t be able to get it until you prove that you have a legal office.Life & Health is the easiest to get, even if it is different than the ones that your current agency has contracts with, and most likely will have to be, unless your boss is a close relative, because s/he will have to sign off before those companies will give you an immediate contract. Maybe after you have been in business for 3 to 5 years without them, and still want a contract with them, they might appoint you, BUT they most likely will NOT let you take over accounts from your prior agency with an agent of record letter, so you’ll be starting out with them as a green new agent.Benefits Agencies both group insurance and supplements to be payroll deducted, is next in difficulty, but just like the Life & Health Agency, not with the same companies, for exactly the same reasons.Property & Casualty Agencies are the hardest to get started, since MOST 1st class companies don’t want to take on brand new agencies. Sure after 1, 2 or 3 years, with good to great numbers without them, they will consider appointing you, IF you have sufficient volume already along with good Loss Ratios, and promise them enough to make it worth their while to appoint you. And P & C companies are quick to pull their appoint for both low production AND/OR Bad Loss Ratios. Very few 1 man shows succeed in an Urban P & C Market Place. SO, you need to start out alone, add help to process the paperwork with the company and talk to your insured’s when you can not. Then you need to add producers, 1 at a time, and as you do, you will probably need more office help, (Customer Service Reps), and ones that specialize. In other words you will have CSRs who only do Personal Lines while others only do Commercial lines. If you don’t grow, you will not stay in business.

(NOTE: This will be updated with time- some changes may occur within the points)I didn’t do unpopular opinions because:1- They are not unpopular and they became popular.2- They are just opinions.3- They not objective rather subjective, all of the answers here are anyway.But I will give it a try, but it will be long.I loved BTS way before they became popular, so witnessing it by time is different than witnessing it by the timeline of google. I am not trying to act superior on this or show off, it just makes a difference when you actually witness all what they have been through.I don’t care who is the visual;To me they all have their well bought make up, and professionals of hairstylists and wardrobe stylists and makeup artists. Look at their photos with no makeup, they look humane to me. And I will keep saying it for the people who still do not get this: The camera has one flaw and it is not the human eye. If you see BTS on stage with makeup and with no makeup it makes a BIG difference but they will stay good looking because of continuous care and a lot of money.And NO it is not a bad thing, it has been like decades when TV decided to make people the best version of themselves to look presentably well on TV. It makes a difference to me when a speaker on public speaking wears casual or with a tuxedo, the same concept guys. Being presentable is important to the camera and that is all that matters. Period.Rap line is designated with those members for a reason.I don’t see the point when someone says ‘J-hope should switch to a vocalist’ or ‘Suga’s singing is more beautiful than rapping’ or ‘RM rap talking is boring’, I don’t get this, do you work in the company? Are you a professional that worked with them before? Are you a professional in this field?I see the rap line doing fine experimenting whatever they want to do with a team of producers and professionals, to me the rap line is doing good: RM has the words, Suga the feelings, and J-hope the flow. Other than that I loved ALL their rap song including the mixtapes of each member. There is no more to it. If they vocalize they have a reason too, adding some autotune or whatever technique they use has always a reason behind it- no arguing.Vocal line is uniqueYes, the vocal line is a mood you can choose with each member. I don’t care if you don’t like V’s deep voice or Jins high notes, or Jimin’s strained voice, or Jungkook’s shaky-breathy voice. I don’t care. Those are BTS, if you don’t like the way they sing, go listen to a vocalist that has YOUR TASTE.Music is a taste and so is the feeling you get from a certain singer. If you think they need more training, go study music and work at their company and train them yourself, if you can. Other than that do not decide what is better for them, building on your own taste, or opinion that is subjective. If V is happy the way he sings, accept it. If Jungkook is training more on his singing because he thinks it's not good, accept it. Leave it to them to monitor their own mistakes, or help them with being objective. By that meaning, you dance for 2 hours on stage and still expect to have the same voice? I dare to see a lot of idols do that instead of using back up play or lip-syncing.Not all idols can sing with such stability that while THEY CAN, and for the idols who do it, I respect their hard work to present their vocals with their dancing clearly together. And this is what we call performance.Certain album/song was the best/worstWell well well, instead of saying a certain song was generic, or X album was cringy or a playlist on another is Americanized or westernized, say it clearer than your taste preference. Many people liked WINGS because they had months before releasing it. They had money from their previous album (which gained the first win before growing up in their popularity) to invest in this album. Time was in their hands to work for it. Simply. That is why it is called a concept if you are a designer you know what EXACTLY I am talking about.If you don’t connect to certain music they released, now it is bad? I even read somewhere someone saying that ever since they started to get ‘white’ people to do their music it got worse from there. If you don’t like it, so what? Are you gonna benefit from saying such a thing? If you think that their music is getting worse don’t start saying rubbish on them just because it is not your taste. Get me? If you don’t like DNA don’t say it is because it was too much of cringy stuff and westernized music, be objective, the concept colors they used didn’t appeal to you. I don’t get it what do you lose when you are Objective? Love Yourself was a clear message to be cheerful and bubbly, you want emo? Wait for a dark concept.That is their music, their work. Do you like it when people judge the work you worked hard on? that you started to work on what the public wants to satisfy them? Because this is what you all want, someone to satisfy your taste. This is BTS, you don’t like it, don’t say ‘oH YOU ARE GONNA HATE ON ME’ then sis be objective or don’t spill your hot tea or it will stain.Their songs are mood: DARK CONCEPT VS BRIGHT CONCEPTThere is no more to this sentence, pick your side or both. For me, I live for both, BTS does their music for us to connect with them. And they do it also to connect with us, music is one rope between me and them. so why do I have to ruin it? I can feel their music and words in every album and that is what matters.“I left the fandom because it was overwhelming” is an excuse and it doesn’t justify why; then say bad opinions/comments about themI heard and saw a lot of ex-fans getting tired of the fandom and the continuous change of concept with BTS. What generation or century do we live in? You can simply draw yourself out of those kinds of people or fans if I find a person being offensive I can block them right? I don’t mind blocking thousands of people just to make sure I can put myself in a comfortable healthy space on the internet.If you do not love them, bye. Don’t blame how they changed because what have you expected? This is pressuring, fame is pressuring, their work is pressuring. What do you expect? They love you back? Follow you back? Reply to your letters? Shake your hand? Fantasize about them? Do their music in dark sexy concept because you see them appealing more like this to you?You have a choice to leave with no bad comments. If their taste simply didn’t match yours because they are working their assess off to match YOUR expectations, leave, no one is stopping you. If you are here for BTS you will stay for BTS, period.BTS are not KINGS/LEGENDS/BEST/PAVED THE WAYYes, we get it, thank you. For the fans who say this to us BUT-List of records set and broken by BTSThese 20 Records BTS Has Broken Over The Years Are Truly Mind-BlowingBTS Break Three Guinness World Records With 'Boy With Luv' Video15 Times BTS Broke Huge Records | iHeartRadio. They broke records more than any other group, If I add more links, it won’t end.. They bring enough to the Korean economy. “$4.65 billion of South Korea's GDP”BTS Is Back: Music's Billion-Dollar Boy Band Takes the Next StepNo one said anything about your favs or other groups. Other groups are the best in your eyes too right? So why pull the fans down just because they idolize their idols? Isn’t this the point of being an idol or am I wrong?And that brings me to the next point:BTS are everywhere/ they are overshadowing the other groups. Is just an excuse too…I am tired of seeing this.You think us saying this to BTS will actually affect your idols. I don’t know about that…? Yes, there are some annoying BTS fans I'm not saying all of us are the best but don’t send us hate for working hard for them? Streaming, making them win, breaking records, that is our own work, instead of hating on this, do the same for your idols what is wrong with that? If you think BTS should get less stage time or airing so your fav gets more screening, do not blame Big Hit or BTS, you have the company (ex: MMA, MAMA..) that actually distributes the timing for the idol’s AIRING.This year's awards were amazing for BTS, they deserve their wins, their stage had good timing to perform. If you have a problem with that, comment for discussion.Big Hit IS the best companyWhen does someone say the opposite; Says a person who owns a company? Knows business? Uhmmm knows management? Administration? Coordination in management and business?I want real reasons, if you think that Big Hit is overworking BTS, I see that BTS are overworking themselves. It is obvious..?If you think Big Hit is not caring about the members….uhhhh okay?Big Hit use them for manufacturing and moneyOkay let us wrap those points:Obviously the marketing department is doing their work, and like any other group, BTS was a business launch from the beginning. In the k-pop industry almost every company is like that, or how do you think they will get money, to produce more work, more groups, more concepts? From the album sales? Touring? Even when touring you need to pay money to perform on a stage, what do you think?I am not defending what they are doing or what you are saying regarding that Big Hit are using BTS to get more money. As a CEO you would do that too, if I want to promote my group, I need money right? If you think that this is too much open up a company, and tell me what will your main goal be other than dreams and integrity at work. You would want money to EXPAND for more. Because they need to work on another group other than BTS, and there is nothing wrong with it. There is your answer.Bang SiHyuk’s research in to the South Korean music market had shown him that it was highly unlikely for a hip-hop group to generate enough revenue for a company in comparison to an idol group. In a sense, BTS was created purely out of necessity to meet financial goals[1]For me watching Bang Si Hyuk talking in speeches, is closer to passion in music and artists and their dreams than the CEOs of the BIG 3. Yes, I said it. Watch his videos tell me what you say, other than putting variety shows and crushing contestant's dreams as BIG 3 being a privilege.UPDATE: A recent proof link: (It is one hour long I am telling you, respect to this man)(P.S; When I say Big Hit is the BEST company it does not mean I stan them or they are perfect; it means in comparison to the known entertainment companies this one just do their job the best)BTS RUN! should keep going.Yes BTS RUN should keep going. I am still laughing at their content. I think that their newly released episodes are getting much better. I am getting more laughs, and the games seem more fun to watch. If you think it is too sketchy or scripted, I would pay more money to watch RUN rather than see them going to a scripted variety shows and feeling uncomfortable there. Or did you guys forgot why they created RUN BTS from the beginning huh? If you don’t know ask around.BTS is DIFFERENT because they started from nothing. Not better than any other group. (Especially BIG 3)I saw many fans say the opposite. I am sorry, no one said your idol is not better than them, or they are not having it hard because they are from BIG 3.BUT it is different when you start from a company that has been disgraced for its concepts or the stuff they talked about for youth. Or no money, no clothes, no airing on shows BECAUSE you are NOT from the BIG 3 or known groups, you tell me?Or that there was no spot for them to perform because they were not on the list, and when they performed on stage it is because some other group did not, did you hear TWICE or BIG BANG or EXO having that? NO. That is the point, not that they are not struggling.I am tired of people and fans focusing on their visuals and fantasizing about it, and loving them because they are popular.It is clear what I wrote.Their Rap line is really one of the best.They produce, compose, and write. What much more do you need me to explain? They released their mixtapes. They are not just idols, they artists.For me they are incomparable. Every idol has their own style, and as an ARMY I find it annoying when a question comes up to compare between two members of different groups? What do you get of this? I would say BTS is better right? And if you stan your group you would say yours is better. So there is no point, but I am saying this because there are a lot who agree, professionals too. They are artists. simply. If you don’t ask google.If I remembered any more I will add, this is what I had in mind.Update:Youtube/Twitter/Instagram/Weverse/Wattpad ARMYs are not annoying, stop it.Funny I saw how many fans say that them being everywhere and commenting in other videos was so annoying. But tbh it didn’t bother me, I found it funny. And I assume some of you too.If you go to any video on youtube or read a story or look at a picture in general, you are automatically interested in the comment section, right? Same for me, I find them interesting, they bring out some stuff that you and I sometimes do not notice, or thoughts we share together about some content. I don’t mind seeing another ARMYs in another video comment section, in fact, many K-pop fans do it, and it doesn’t bother me. So if it bothers you that is a different story.BTS personalities, in general, is not for us to read.I like what I see, what they show us I mean. And that is it. Stop trying to think and analyze and ask funny questions like ‘Jimin and V fight?’ ‘Jungkook and V are dating?’ ‘Does Yoongi and RM hate each other?’ ‘Does V vapes?’ ‘Is J-hope depressed?’Like, excuse me who are you? Their legal guardians? Parents? There is moderate kind of worries ‘Is Jungkook health is okay? He nearly passed out in Burn The Stage?’ ‘Does Yoongi sleep well?’ ‘Does Jimin worry too much over his performance?’ ‘Is j-hope overworking himself?’ But not really interfere with what they should do with their daily life. That is still none of your business.They have Personas. They didn’t do a whole album so we can bring philosophy about their real personalities from our heads. They did a whole album trying to explain that to us and I feel the fans still don’t read between the lines.And like any other Idol who you think is ‘real’ they have their own moment of being real, they are not fake, or stage oriented (personas!) or whatever names we are going to pretend to know.Thank you.Footnotes[1] Bang SiHyuk's Interview With TIME Reveals How He Selected BTS Members | Kpopmap

[無調漢語拼音的缺憾 Toneless Hanyu Pinyin can cause serious problems]GR Tonal Spelling makes names maximally distinctive; Hanyu Pinyin leads to a confusing blend of totally unrelated names that sound quite different to Chinese ears, but look exactly the same to foreign eyes. TL;DR 性命攸關 Outside of China, not using GR Tonal Spelling can have serious, or even life-changing consequencesThree names that look totally different in GR Tonal Spelling: confusingly blended in Hanyu Pinyin:Imaginary, but plausible names: 陸六贏醫師, 魯劉穎大師 and 盧柳鶯大師1. 陸六贏醫師 Dr. Luh Liowyng (Lù Liùyíng Yīshī), the dentist, bears the auspicious name 六贏 “six successes”2. 魯劉穎大師 Master Luu Liouyiing (Lǔ Liúyǐng Dàshī), the photographer, bears the name 劉穎, which is a pun on the word 留影 “take a photo [as a souvenir]” (this phrase is often used for photo captions)3. 盧柳鶯大師 Master Lu Leouing (Lú Liǔyīng), the musician, bears the name 柳鶯 “[literally] willow warbler”, one of many species of songbirds, some of which can be found in Taiwan.In Hanyu Pinyin (promulgated in 1958), Lù Liùyíng ≈ Lǔ Liúyǐng ≈ Lú Liǔyīng are spelled with exactly the same letters. These names look almost identical to foreigners who don’t know Chinese (most of whom ignore the tiny, untypable tone marks) but they sound and look completely different to Chinese police and bureaucrats (Chinese adults only care about the characters; Hanyu Pinyin is a study aid for small children).In GR Tonal Spelling (promulgated in 1928, but ignored by the PRC government), these three names look completely different: Luh Liowyng ≠ Luu Liouyiing ≠ Lu Leouing. Foreign police and bureaucrats cannot and will not learn Chinese characters. They only care about the spelling. Different spelling → obviously different peopleAnswer: Yes, people in Taiwan still use GR Tonal Spelling (a.k.a. Gwoyeu Romatzyh), but it is hiding in plain sight where most foreigners don’t bother looking (not just tour buses ;-). GR Tonal Spelling is used for naming people, clothing, household goods (rubber bands, insecticide), Chinese medicine, noodles, beverages, snacks, doctors’ offices, beauty parlors, restaurants, companies, schools etc.I took all of the photos below within the last month. I live in Taipei, but I managed to locate several samples of GR Tonal Spelling even in Kaohsiung, a DPP stronghold where Southern Min is more popular than Mandarin][Jyma Liuhdow 芝麻綠豆, GR Tonal Spelling (Gwoyeu Romatzyh)—a children’s clothing brand I found in a traditional market] [zhīma lǜdòu][Song Jer CPA 松哲會計師事務所, GR Tonal Spelling (Gwoyeu Romatzyh)—an accounting firm on Nanjing West Road in Taipei. The sign is bigger than the side of a bus, but is only visible when people look up from their cell phones ;-)] [Sōng Zhé][Piin U Bakery 品屋麵包蛋糕, GR Tonal Spelling (Gwoyeu Romatzyh), a bakery/coffee shop in Kaohsiung] [Pǐn Wū][Shiow Chwan Hospital 秀傳醫院, GR Tonal Spelling (Gwoyeu), a private hospital with branches all over Taiwan; name is slightly misspelled (omitted -i-)] [Xiù Chuán][Yuh Tay Farm 裕泰農場, GR Tonal Spelling (Gwoyeu)][jingpiin pyishye 精品皮鞋, GR Tonal Spelling (Gwoyeu), shoe shop in Kaohsiung]GR Tonal Spelling still appears side by side with Bopomofo in many monolingual Chinese dictionaries (字典、詞典) published in Taiwan. Foreign students tend to only consult bilingual dictionaries published outside of Taiwan, so they mostly don’t notice GR’s continued existence.[In Taiwan, dictionaries for native speakers include Bopomofo only, or a mixture of Bopomofo and GR Tonal Spelling/Hanyu Pinyin. Unfortunately, Pinyin is gaining ground; I saw these books in the 國語日報社 Mandarin Daily News bookstore]When it comes to romanization, what most foreigners do notice is the major exception to the use of GR Tonal Spelling: place names, which are a chaotic battlefield for three competing systems: the decrepit 150-year-old Wade-Giles system (and its cousin: Postal Romanization), 1958 Hanyu Pinyin and a modified Pinyin system (slightly different spellings) used mostly in southern Taiwan.Edit: GR Tonal Spelling still survives in certain localities:[Shinnyih Street 信義街 GR Tonal Spelling, 29 June 2019 (Gwoyeu Romatzyh, street sign)] [Xìnyì Jiē, Hanyu Pinyin]Rarely Asked Questions (RAQs)Many people take it for granted that one single commonly-used romanization system is all we need: whatever is used by the majority of Chinese people. The Hanyu Pinyin for everybody approach neglects to consider two important facts:(1) For many western learners, the use of optional diacritics implies that tones are also optional (“Tones are too subtle. I don’t need to be a perfectionist: muddling through is good enough. If I can find the time, I’ll master tones later!”)(2) For Chinese people who spend time abroad, an ill-considered choice of spellings can facilitate identity theft or lead to confusion. The consequences can include canceled credit, job loss, mistaken arrests, medical errors and expensive lawyer’s fees.Rarely-Asked Questions:RAQ 1: Who needs to use romanization?RAQ 2: What is the purpose of romanization?RAQ 3: Why should everyone use the same romanization?RAQ 4: Which problems does Pinyin (un)intentionally ignore?RAQ 5: How is 1928 GR Tonal Spelling better than 1958 Hanyu Pinyin?RAQ 1: Who Needs To Use Romanization?A: Children learning to read and write their native language for the first timeB: Chinese adults who want to# look up the correct pronunciation of less common or problematic words or characters# produce or consult lists or indexes# input characters on a computer or smartphoneC: Foreign students of Chinese, who need a tool for learning and annotating characters, and inputting them on a computer or smartphoneD: Foreign visitors who need an easy way to get around in China (identify people’s names, place names, names of products, items on a menu etc.)E: People outside of China who need easily-identifiable spellings for Chinese people and thingsRAQ 2: What is the purpose of romanization?Groups A & B: Romanization is supposed to correctly and unambiguously annotate the sounds of Chinese. Everything that sounds different to Chinese ears (initials 聲母, medials 介音, finals 韻母, and tones 聲調) should be explicitly marked when romanized. However, because of redundancies that are an integral part of Chinese phonology (音系規則, the Chinese sound system), people (especially computer users) can take shortcuts: tones are often left out, and IMEs (input method editors) can even ignore medials and finals (i.e. a computer user can type HYPY instead of hànyǔ pīnyīn: both yield the same result 漢語拼音).Group C: Foreign students are not aware of how Chinese sounds form patterns. Unlike native speakers, who learn phonology with their mother’s milk (so to speak), foreign beginners have definite trouble dealing with Hanyu Pinyin’s shorthand spellings.Hanyu Pinyin was designed for the convenience of native speakers of Chinese, so it is a less than ideal system for foreign learners, especially in the early stages.Group D: Tourists and short term visitors assume that Chinese is very difficult, so if they can go about their business without too much trouble, they are generally satisfied with Pinyin.Group E: This group has some limited, but very specific requirements that are not at all obvious to Chinese people who spend all their lives in a Chinese-only environment. Chinese people living in other countries need to be easily and unambiguously identified without referring to the Chinese characters of their names. This is where Hanyu Pinyin can cause EXTREMELY SERIOUS PROBLEMS.RAQ 3: Why should everyone use the same romanization?The five groups of users mentioned above have different needs that cannot all be properly served by Hanyu Pinyin. In the 1950s, when Hanyu Pinyin was designed, the world was a different place. The committee that set up and promulgated this romanization only needed to consider the needs of Chinese people within China. 60+ years later, the millions of Chinese who now live, travel or study abroad are affected by the shortcomings of Hanyu Pinyin’s shorthand spellings. Foreigners can also benefit from more than one approach.RAQ 4: Which problems does Pinyin (un)intentionally ignore?In 1956, Pinyin’s designers, who were influenced by Soviet linguists such as А. А. Драгунов 龍果夫, strove to create a simple China-only spelling system with single-letter spellings for each consonant. Thus, hard-to-type letters were used for common sounds: {ç = ch}, {ʐ = zh}, {ч = j}, {ŋ = ng}. Cyrillic, IPA and Latin letters were mixed together with no thought given to ease of use on standard ASCII typewriter keyboards: Robert Matthews (馬學進)'s answer to Why did the Chinese language begin using Latin letters for Pinyin?The 1958 final revision of Hanyu Pinyin finally settled on an all-Latin alphabet solution “with Chinese characteristics”, including some unique letter values that are not commonly used by European languages, such as q, x, z, c, u and i.Thus, people whose family name is either 徐 Xú or 許 Xǔ (both very common Chinese surnames: Shyu & Sheu in GR Tonal Spelling) are both spelled Xu, which many speakers of English will assume is pronounced the same as “Zoo”. Gross mispronunciations aside, Hanyu Pinyin can lead to much more serious problems.Because Pinyin tone marks are optional, the foreigner-readable versions of birth certificates, diplomas, degrees, household registration papers, hospital records, leases, licenses, passports and other documents do not show tones.Readers may ask: So what? Foreigners can’t pronounce tones anyway! What difference does it make?Here’s why. Including tones, Mandarin Chinese has about 1200 different syllables. For the sake of argument, let us assume that each and every syllable in Mandarin could be used as part of a name (obviously not true). Because most Chinese names consist of three syllables, GR Tonal Spelling could be used to write a maximum of 1200*1200*1200 = 1,728,000,000 phonetically distinctive names (although this would never be attempted, such a scheme would theoretically be enough for every person in China to have a unique name).https://www.quora.com/How-many-possible-syllables-are-there-in-Chinese-Mandarin/answer/Robert-Matthews-%E9%A6%AC%E5%AD%B8%E9%80%B2However, because Hanyu Pinyin omits tones, there is only a maximum of 400*400*400 = 64,000,000 distinctive names. Chinese names spelled in GR Tonal Spelling are much more distinctive than toneless Hanyu Pinyin names. 1,728,000,000 [GR] / 64,000,000 [PY] = 27 times more distinctive!Another way to put this: omitting the tones in romanized three-character Chinese names leads to potential information loss of as much as 96%.RAQ 5: How is 1928 GR Tonal Spelling better than 1958 Hanyu Pinyin?[Animated GIF: How abandoning GR Tonal Spelling led to scrambled Chinese surnames][Animated GIF: Different-Sounding Chinese Surnames That Are Unfortunately Blended In Pinyin]GR Tonal Spelling (a.k.a. Gwoyeu Romatzyh, National Phonetic Alphabet Version 2) was created by a small subgroup (數人會) of the committee responsible for creating National Phonetic Alphabet Version 1 (also known by the name Bopomofo or the anachronistic spelling Zhuyin Fuhao).The most important scholar behind the creation and popularization of GR Tonal Spelling is China’s greatest modern linguist, 趙元任 Chao Yuenren, a genius educated in the US who used his knowledge of mathematics, physics, music theory, phonetics and Chinese phonology to create a system based on “native speaker intuition” that also takes English orthographic habits into account (blending the two was not at all an easy task).GR Tonal Spelling is a “green” romanization that follows the Principle of Economy 經濟原則 and its three basic rules: keep, change, add 留改加. The 1st tone is usually the basic, unmodified form (“Keep”). The other three tones are spelled by making minimal changes to the basic form (“Change”), usually a different spelling for a glide vowel. If this is not possible, a letter is added (“Add”).Thus, tiau is a first tone form (spelled tiao in Hanyu Pinyin). The other three tones are spelled tyau, teau and tiaw. Notice how in each case the shape of the glide letter imitates the tone contour: The red bolded strokes of “y”, “e” and “w” are GIANT, indelible tone marks typable on any ASCII keyboard. They also provide valuable mnemonics for foreign learners struggling to remember the correct tones of words such as mae 買 and may 賣: “buy” and “sell”.Robert Matthews (馬學進)'s answer to As an English speaker, what's the best way to learn Chinese?[Animated GIF: 2nd tone tiau → tyau in GR Tonal Spelling; the tone mark is blended with the spelling of the medial vowel][Animated GIF: 3rd tone tiau → teau in GR Tonal Spelling; the tone mark is blended with the spelling][Animated GIF: 4th tone tiau → tiaw in GR Tonal Spelling; 4th tones are always marked at the end of a syllable: the tone mark is blended with the spelling]For almost 1900 years (since the end of the Eastern Han Dynasty), the 反切 fǎnqiè / faanchieh system has been used to indicate the pronunciation of Chinese characters.Each Chinese syllable is split into two parts: 聲母 shēngmǔ/shengmuu “the initial” (the single consonant, if any, at the beginning of a syllable) and 韻母yùnmǔ/yunnmuu “the final” (the rest of the syllable, including the tone). Bopomofo modifies this tradition by using 2-4 symbols to represent each syllable.First tone 張 (a common surname) is marked in Bopomofo with only 2 symbols, ㄓ+ㄤ (first tone is not explicitly marked).GR Tonal Spelling, Bopomofo’s younger brother, is similarly economical. Only four letters are needed for 張: j+ang (just like in the faanchieh system, ang includes the first tone).Fourth tone 賬 (account) is marked in Bopomofo with three symbols, ㄓ+ㄤ+ˋ, and GR Tonal Spelling still only requires four letters: j+anq (again, just like in the faanchieh system, anq includes the fourth tone).Hanyu Pinyin follows the all or nothing European approach of either ignoring all tones or marking all of them with tiny optional diacritics not found on ASCII keyboards. Pinyin thus uses 6 symbols for 1st tone 張 z+h+a+ˉ+n+g (a+ˉ are combined) and six symbols for 4th tone 賬 z+h+a+ˋ+n+g (a+ˋ are combined)Hanyu Pinyin is a system better suited to native speakers who are intimately familiar with the Mandarin phonological system.Thus, in Hanyu Pinyin the letters “i” and “u” have multiple pronunciations:(1) When “i” is preceded by z, c, or s, it is automatically pronounced as an unusual (for European ears) apical vowel /ɿ/, a mosquito-like buzzing sound.(2) When “i” is preceded by zh, ch or sh, it is pronounced as a similar-sounding /ʅ/.(3) When “i” is preceded by any other consonant and not followed by any other vowel letter, it is pronounced as a very different-sounding “normal” vowel /i/.(4) When “i” is preceded by any other consonant and followed by any other vowel letter, it is pronounced as a semi-vowel /j/.(5) When “i” is preceded by “u”, it is pronounced as /ej/ (not /ui/), as in 對 dui “correct”Hanyu Pinyin’s “u” follows similar rules.(1) When “u” is preceded by z, c, or s, it is pronounced as /u/.(2) When “u” is preceded by zh, ch or sh and not followed by any other vowel letter, it is pronounced as /u/.(3) When “u” is preceded by zh, ch or sh and followed by any other vowel letter, it is pronounced as a semi-vowel /w/.(4) When “u” is preceded by j, q, x, but not followed by any other vowel letter, “u” is pronounced as a front rounded semivowel /y/.(5) When “u” is preceded by j, q, x, but followed by any other vowel letter, it is pronounced as a semi-vowel /ɥ/ (palatal approximant)(6) When “u” is preceded by “i”, it is pronounced as /jow/, as in 休 xiu “to rest”, pronounced /ɕjow/, not /ziu/.Despite this hidden complexity, many foreigners who cut their teeth on Hanyu Pinyin swear by it and insist that it is much easier and more “reasonable” than GR Tonal Spelling (Gwoyeu Romatzyh)’s traditional 反切 based approach, with its three basic rules.Hanyu Pinyin economizes on symbols by assuming that its users are native speakers who can figure out what sounds right (“i” and “u” rules) automatically. Foreign beginners and casual readers (people who only occasionally need to pronounce Chinese words) have a very difficult time.GR combines Bopomofo’s traditional Chinese 反切 analysis with an ingenious spelling system that is mnemonically-based (letters with shapes that resemble tone contours are used to spell tones) and much more foreigner-friendly than Hanyu Pinyin (even foreigners who have never learned any Chinese at all can usually make a passable guess).Basically, whatever looks different in Gwoyeu Romatzyh sounds different to Chinese ears, and whatever sounds different looks different, including the four tones of Mandarin Chinese.GR Tonal Spelling (Gwoyeu Romatzyh) is widely used for spelling the names of well-educated people in Taiwan (doctors, lawyers, professors etc.).In Hanyu Pinyin, the following four names (Shy, Shyr, Shyy and Shyh) are blended together. Millions of people are forced to share one artificial giant surname (Shī + Shí + Shǐ + Shì → Shi) created for administrative convenience when producing foreigner-readable documents. Typing tone diacritics is a hassle: let Mr. Chabuduo handle everything.Professors, doctors etc. who use GR Tonal Spelling (painstakingly verified characters and professional details)[1st tone surname 施 SHy in GR Tonal Spelling] [Shī][2nd tone surname 石 SHyr in GR Tonal Spelling] [Shí][3rd tone surname 史 SHyy in GR Tonal Spelling] [Shǐ][4th tone surname 釋 SHyh in GR Tonal Spelling] [釋 is a surname adopted by Buddhists who give up their worldly property, including their original surnames] [Shì]A real-life example of potential confusion:(1) The PRC Ambassador to the German Federal Republic is 史明德 (spelled Shǐ Míngdé in “official” Pinyin).(2) Taiwan’s most famous political activist is 施明德 (spelled Shī Míngdé in “official” Pinyin).Imagine the confusion and embarrassment that would result if the PRC ambassador (Shi Mingde in “Street” Pinyin) was erroneously refused entry to a country that had banned the Taiwan activist (they seem to have exactly the same name)!Such problems could be easily eliminated if Chinese names were written using GR Tonal Spelling. 史明德, the ambassador, would be spelled Shyy Mingder and 施明德, the political activist, would be spelled Shy Mingder. The 1928 official spelling prevented such unfortunate misunderstandings.In Taiwan, even people with less common names use GR Tonal Spelling:[Surnames Jin 金 and Jinn 靳 (GR Tonal Spelling, Gwoyeu Romatzyh)]Surnames Bau 包 and Baw 鮑1. Professor Bau Da-Tian 包大靝http://webap.cmu.edu.tw/TchEportfolio/index_1/dtbauGraduate Institute of Biomedical Sciences, China Medical University2. Dr. Bau Tzong-ho 包宗和Professor of Department of Political Science, National Taiwan University監察院 - 人權主題網 ─ Members1. Aser Baw 鮑美瑟Animal Behavior Resource AssociationABRA國際認證訓練師資歷：2014 第二屆亞洲訓練師行為治療師培訓取得ABRA國際認證 LE 資格2. Wayne Baw 鮑維芳Wayne Baw 鮑維芳 (@waynebaw)https://www.linkedin.com/in/wayne-baw-9438a559/3. Spencer Baw鮑穎https://www.youtube.com/channel/UC-4o7m65Xt6KAZejhUqT5FwIdentity Theft And Other Serious Problems Caused By Spelling ConfusionOutside of China, Hanyu Pinyin’s toneless version can lead to or facilitate:1) Mistaken Identity Arrests2) Identity Theft3) Credit Card Fraud4) Medical ErrorAll of these problems can cause financial pain or have life-changing consequences, such as job loss, imprisonment or even worse.1) Mistaken Identity ArrestsA policeman conducting a routine traffic stop may wind up arresting the driver. Why?For one thing, suspect descriptions on warrants can apply to many people: “A black-haired, thin Chinese man in his 20s”. Having a non-distinctive (no tones indicated), Pinyin-only name that is identical to the one on a warrant certainly wouldn’t help.[this subsection was upgraded from my reply to a comment by Ni Ming]:Taiwanese police have an excellent reputation for tracking down criminals and cracking difficult cases. I'm sure the mainland police are equally intelligent and professionally dedicated. Unfortunately, such praise is hard to apply to their American militarized counterparts, who have a reputation for shooting first and asking questions later.Even small town police departments use SWAT teams and armored personnel carriers to handle routine, non-violent cases (such as seizing a child with a fever late at night to take it to see a doctor). They use battering rams to smash down doors, shoot family dogs (even a chihuahua has been viewed as a “threat”) and leave extensive trauma in their wake, especially when they barge in on completely innocent people.If you Google “cops” + “wrong house”, or “cops” + “shoot dog”, you will get a flavor. I very much doubt American cops will stand patiently while listening to an explanation of the subtle tonal difference between three different Chinese surnames who are forced to share one single toneless spelling.Sara Angell's answer to Have you ever read something about yourself in your own medical notes that shocked you?Real people with false homonym namesForeigners outside of China have no way of knowing that 古真福, 顧振福, 辜振甫, 辜振富 are four different people. If they have PRC-issued ID documents, all four seem to have exactly the same name: Gu Zhenfu.Hanyu Pinyin: Gu Zhenfu ← Gǔ Zhēnfú, Gù Zhènfú, Gū Zhènfǔ, Gū ZhènfùThese are all real people:"古真福" - Google Search"顧振福" - Google Search"辜振甫" - Google Search辜振富 (Facebook)GR Tonal Spelling (different people, different names): Guu Jenfwu, Guh Jennfwu, Gu Jennfuu, GU JennfuhIf any one of these people commits a crime (such as ignoring a pile of unpaid parking tickets), the other three could mistakenly be arrested by a policeman whose warrant only says “Gu Zhenfu: wanted for being a scofflaw”.American police don’t fool around. Strictly following the law and making arrests improves their chances of promotion. What’s not to like?法律就是法律，美國警察不講人情.These supposed scofflaws will be thrown in jail, and they will wait for a judge to (hopefully) sort out the mess. How many innocent Chinese people have suffered because of an incomplete romanization that doesn’t work properly outside of China?1. Why Mistaken Identity Arrests Happen2. Can You Be Arrested with a Warrant for Someone Else? | WK LawBeing arrested, even if later proven to be a mistake, can have financial (expensive lawyers) and social consequences (job loss, shunning, shaming of one’s children), and there is sometimes nothing one can do.3. Man jailed based on mistaken identity can't sue, court rules***Examples of Mistaken Arrests Due to Having the Same Name1. Man With Accused Criminal's Name Battles Mistaken Identity2. Man Sues Police Over Mistaken Identity Arrest | Hartford Criminal Defense Attorney3. Woman held in case of mistaken identity to seek compensation [New Zealand]4. Innocent man arrested, jailed twice because of name5. This Woman Lost Kids and Job After Being Mistaken for Drug Trafficking Suspect with Same Name6. Mistaken identity leads to physical arrest of Victorville man at his front door7. Mistaken identity of same-name men causes wrong arrest by Edmond policehttps://www.edmondsun.com/news/mistaken-identity-of-same-name-men-causes-wrong-arrest-by/article_5715e26c-455d-11e6-bc1a-2fe6dfc0ba42.html8. When the Only Crime is a Common Name...9. Grandmother Arrested, Spends 5 Days in Jail.....Whoops, Wrong Person.2) Identity Theft3) Credit Card FraudIdentity theft is a serious problem that is often connected with credit card fraud. Because the US does not have a national ID card, other types of ID are used, some of which are easily forged.A case in point is signatures. Because they are not intimately familiar with Latin alphabet handwriting, many Chinese rely on a very simple foreign signature that is easily copied (to combat this problem in my university language classes, I often included instruction in cursive handwriting).Handwriting University Forgery Proof[Unhappy Consequences of Using Toneless Pinyin On Foreign Documents]A. Report: Medical Identity Theft – The Information Crime that Can Kill YouDefinition: “when someone uses an individual's identifying information, such as their health insurance information or social security number, without the individual's knowledge or permission, to obtain medical services or goods, or to obtain money by falsifying claims for medical services and falsifying medical records to support those claims.”Medical Identity theft can have all sorts of cserious consequences, including:1. Financial losses (you may be required to pay for someone elese’s expensive medical care),2. Harm from false entries in your medical record (such as being given the wrong type of blood)3. Insurance caps reached (Someone may have used up all of your coverage; any further treatment may be prohibitively expensive)Victims of medical identity theft find out the truth in many unexpected ways:1. collection notices (a collection agency insists that you have to pay a penalty for unpaid bills that have nothing to do with you)2. Notification by law enforcement, an insurance company, or a health care provider that you have a problem3. Your insurance company tells you that benefits have run out, or a “lifetime cap” has been reached (you have supposedly used up all of the benefits provided by your medical insurance)Report: Medical Identity Theft - The Information Crime that Can Kill YouB. Exploring Medical Identity TheftDesla Mancilla, MPA, RHIA, principal investigator and Jackie Moczygemba, MBA, RHIA, CCS, secondary investigator, associate professorPerspect Health Inf Manag. 2009; 6(Fall): 1e. || PMCID: PMC2804460 || PMID: 20169017Exploring Medical Identity TheftC. Medical Identity Theft in the Emergency Department: Awareness is CrucialMichelino Mancini, DOWest J Emerg Med. 2014 Nov; 15(7): 899–901. || doi: 10.5811/westjem.2014.8.22438 || PMCID: PMC4251251 || PMID: 25493150“According to the Federal Trade Commission (FTC), medical identity theft accounted for 3% of identity theft crimes, or 249,000 of the estimated 8.3 million people who had their identities stolen in 2005. More recently, the Ponemon Institute calculated that there were 1.84 million victims of medical identity theft in 2013.”Medical Identity Theft in the Emergency Department: Awareness is CrucialImage Credits (Public Domain images)Digital Camera, Happy Tooth images by Clker-Free-Vector-Images (Clker-Free-Vector-Images | Pixabay)Bubbleman images by Peggy und Marco Lachmann-Anke from Pixabay (3dman_eu | Pixabay)Blender image: OpenClipart-Vectors from PixabayShi Mingde (the bigshot): CC BY-SA Raimond SpekkingShi Mingde (the Taiwanese activist): Public Domain image