Coverage | Takaful Benefits | Death/Total & Permanent Disability (TPD) | 250 x Monthly Contribution + Accumulated Savings | Accidental Death | 200 x Monthly Contribution + Accumulated Savings | Accidental Permanent Disability | Disability Factor x 250 x Monthly Contribution | In the event of Death or Total and Permanent Disability (TPD) of Payor‚ the following takaful benefit will be payable: Coverage | Takaful Benefits | Death | Funeral Expense + Waiver of Contribution | Total &
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1.Using computers everyday can have more ‚negative than positive effect on young children. Nowadays computer play a crucial role for young generation. Mostly children dependent on computers for multifarious purposes. But some people believe that it cause obstacle between their healthy life and in acquiring practical knowledge. Lets delve deeper into the topic to seek more clarification. Firstly and most commonly‚the advanced technology make the people more lethargic. The children spend their leisure
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Oil/ Petrol Research Project In the modern world we use oil every second of the day‚ whether we realise it or not. We use oil to fuel our cars‚ our public transports‚ etc. Without oil our daily lives would be the same. Oil is a natural resource that comes from beneath the earth’s crust; it is trapped in pockets under the earth. Finding oil trapped underground is very complicated and costly‚ it takes millions of dollars to drill a well and only a few are successful. Oil travels upwards from the
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bloomberg beta interpretation Beta definition A measure of an asset’s risk in relation to the market (for example‚ the S&P500) or to an alternative benchmark or factors. Roughly speaking‚ a security with a beta of 1.5‚ say‚ will move 50% more than the market. So if the market goes up by 20% the security’s price will go up by 30%. According to asset pricing theory‚ beta represents that part of the risk of the security called systematic risk that cannot be diversified away. When using beta‚ there are
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Organizational Stress: Positive or Negative? The increased uncertainty about the future‚ the global competition‚ lower living standards‚ the spreading disorganization and absence of leadership are just some of the causes that concur to generate organizational stress. Lazarus (as cited in Selart & Johansen‚ 2011) defined stress as the physiological and psychological reaction of any individual against external factors called stressors. Several studies were conducted to evaluate how these factors negatively affect
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phenomenon that everyone uses. Whether that’s communicating with a family member‚ making purchases online‚ getting to and from school‚ or just simply killing boredom. It seems that technology has had a positive influence on today’s society. But‚ on the other hand‚ many people refuse to think about the negative aspects that come with the use of technology. Unquestionably‚ the automobile has changed the way the world functions; something that did not exist centuries ago‚ now vastly used on a day to day
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Hafsa Hassan; 20120037‚ Asset Pricing Assignment No. 2 Due Date: 14th Dec 2012 This paper examines the monthly data on the value-weighted total returns (with dividends) on 25 Fama-French portfolios‚ from July 1926 to Sep 2012 to sorted by size and BE/ME value‚ from the K French Data Library‚ and performs the Fama-Macbeth (1973) CAPM test on size and value effects. The average return and standard deviations are shown in Table I: Table I: Average returns and standard deviations of the 25 portfolios
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Positive and Negative Impacts of Tesco Tesco was founded by Jack Cohen in 1919‚ and grew at a mind-blowing pace‚ by 1939 there were 100 stores located across the country; since 1990 Tesco has expanded it’s store locations‚ and selling varieties. Nowadays Tesco is one of the leading grocery and general merchandise retailer chain in the world. Covering 14 countries in Asia‚ Europe and America. It has a market share of 30% in the UK‚ and is considered as a monopoly; this has bought negative
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Sonali Shah Dr. Valerie Levy Honors English Composition 103 2 October 2012 Negative vs. Positive Connotations More often when we hear a word‚ the definition is not so clear; words in the English language have multiple meanings. For example‚ the word “gay.” This word is very ambiguous meaning either ecstatic or homosexual. Ecstatic obviously has a positive connotation while homosexual can be offensive. In a very similar way‚ Frederick Douglass’ essay “Learning to Read and Write” questions the
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and Executive information systems. When this all of this activities run in the organization it face some positive and negative impact. Here in this assignment try to focuse some of this negative and positive impact of MIS in Organization. Introduction Information systems have become integral‚ online‚ interactive tools deeply involved in the minute-to-munite operation and decision making of large organizations. Over th last decade‚ information systems h ave fundamentally ltered the economics of organizations
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