This document shows a fantasy football team roster with 12 players from various Premier League clubs listed along with their player codes, team affiliations, positions, player values, and total points scored. The bottom section lists the amounts paid for players in the first three transfer windows and the number of players acquired in each window.
Qatar Airways is a state-owned airline based in Doha, Qatar that was founded in 1993. It operates flights to over 100 international destinations across Africa, Asia, Europe, North America, South America, and Oceania from its hub at Doha International Airport. The airline has over 20,000 employees across its main operations and subsidiaries. Qatar Airways is known for its high-quality service and amenities in business and first class.
This document contains a list of 10 soccer players including their player code, team, position, value, and total points for 3 windows. The total funds available were £50 with £20 paid in the first window, £6 paid in the second window, and £0 paid in the third window.
The document summarizes a board presentation made to a large UK life insurance firm about technology futures. It outlines major trends in socioeconomics, regulation, and technology that will impact the industry. It discusses developing a strategic vision for IT evolution, improving IT and business alignment, enhancing customer management, and establishing an enterprise architecture. The presentation concludes by recommending the insurance firm establish a clear long-term vision, develop necessary capabilities, foster a culture of follow-through, overcome inertia to innovation, and learn to cut losses when needed.
Many of your employees may not feel well but they aren't physically ill. Instead, what they lack is "financial wellness," a hot topic in many companies these days. In a nutshell, they're worried about making ends meet today as well as in the future, and that can take a toll on their productivity. Should you try to do anything about it? And, if so, what?
This presentation summarizes energy industry trends and opportunities in Singapore. It discusses Singapore's role as an oil bunkering and refining hub, contributing 5% to GDP. Recent developments like the Jurong Rock Caverns underground storage facility are noted. Case studies describe successful logistics solutions provided to Shell and Halliburton, focusing on reliability and ease of online transaction processing. Plans for 2014 aim to further provide seamless supply chain solutions and grow in manufacturing sites for oil majors and oilfield services companies.
- MetLife will hold its 2007 Annual Meeting on April 24, 2007 at the St. Regis Hotel in New York City.
- Shareholders will vote on two matters: electing five Class II Directors and ratifying the appointment of Deloitte & Touche as the independent auditor for 2007.
- The document provides details on voting procedures, attending the meeting, revoking proxies, and voting by employees through MetLife benefit plans.
This document shows a fantasy football team roster with 12 players from various Premier League clubs listed along with their player codes, team affiliations, positions, player values, and total points scored. The bottom section lists the amounts paid for players in the first three transfer windows and the number of players acquired in each window.
Qatar Airways is a state-owned airline based in Doha, Qatar that was founded in 1993. It operates flights to over 100 international destinations across Africa, Asia, Europe, North America, South America, and Oceania from its hub at Doha International Airport. The airline has over 20,000 employees across its main operations and subsidiaries. Qatar Airways is known for its high-quality service and amenities in business and first class.
This document contains a list of 10 soccer players including their player code, team, position, value, and total points for 3 windows. The total funds available were £50 with £20 paid in the first window, £6 paid in the second window, and £0 paid in the third window.
The document summarizes a board presentation made to a large UK life insurance firm about technology futures. It outlines major trends in socioeconomics, regulation, and technology that will impact the industry. It discusses developing a strategic vision for IT evolution, improving IT and business alignment, enhancing customer management, and establishing an enterprise architecture. The presentation concludes by recommending the insurance firm establish a clear long-term vision, develop necessary capabilities, foster a culture of follow-through, overcome inertia to innovation, and learn to cut losses when needed.
Many of your employees may not feel well but they aren't physically ill. Instead, what they lack is "financial wellness," a hot topic in many companies these days. In a nutshell, they're worried about making ends meet today as well as in the future, and that can take a toll on their productivity. Should you try to do anything about it? And, if so, what?
This presentation summarizes energy industry trends and opportunities in Singapore. It discusses Singapore's role as an oil bunkering and refining hub, contributing 5% to GDP. Recent developments like the Jurong Rock Caverns underground storage facility are noted. Case studies describe successful logistics solutions provided to Shell and Halliburton, focusing on reliability and ease of online transaction processing. Plans for 2014 aim to further provide seamless supply chain solutions and grow in manufacturing sites for oil majors and oilfield services companies.
- MetLife will hold its 2007 Annual Meeting on April 24, 2007 at the St. Regis Hotel in New York City.
- Shareholders will vote on two matters: electing five Class II Directors and ratifying the appointment of Deloitte & Touche as the independent auditor for 2007.
- The document provides details on voting procedures, attending the meeting, revoking proxies, and voting by employees through MetLife benefit plans.
Infographic outlining Aviva's five carbon investment commitments responding to climate risk and the need to limit global temperature increases to within 2 degrees C
- Aviva reported its 2014 results and outlined its investment thesis of achieving cash flow from business units and growth through life insurance new business value, general insurance underwriting results, and asset management net fund flows.
- The document discusses Aviva's progress on its cash flow and growth goals and provides an overview of the rationale for its proposed acquisition of Friends Life, including expected financial and strategic benefits.
- Key details covered include expected synergies from the Friends Life acquisition, plans to increase Aviva's dividend, and securing a leading position in the UK market through additional customers and asset management funds.
The document summarizes findings from the Aviva Real Retirement Report about finances and attitudes of over-55s in the UK. It finds that while incomes are rising, many over-55s remain concerned about having enough money in retirement. It also examines attitudes towards the new pension freedoms announced in the 2014 UK Budget, finding that while awareness is high, over half say the changes don't affect them and most will continue with traditional retirement solutions rather than accessing savings early. Spending is rising across many categories as consumer confidence increases with the improving economy.
Get Affordable Dental Treatment with MetLife Orthodontics InsuranceMarina Jolie
Orthodontics insurance Plan reimburses the total expense of dental treatments. It finances for all types of treatments that you opt for your teeth like teeth filling, putting braces, adjustments of braces, teeth cleaning and various types of dental surgeries etc.
UK tax implications on Employee Benefits factsheetSimplyhealthUK
This document discusses the various taxation implications of company-paid healthcare in the UK, including:
- Insurance Premium Tax of 6% is included in insurance premiums and cannot be reclaimed.
- Employers pay Class 1A National Insurance Contributions of 13.8% on the cost of employees' healthcare benefits.
- Employees pay income tax on the value of their benefits at their marginal tax rate of 20%, 40%, or 50%.
- Companies can deduct the costs of providing employee benefits from profits for corporation tax purposes.
It provides examples of the tax treatment for private medical insurance and health cash plans.
The Inspired Rewards platform provides employees with savings on gift cards, e-codes, and deals from various retailers. It offers discounts on items like food, clothing, entertainment, and more. Employers can use the platform to support employees financially and increase retention. The platform is customizable and has features like limited edition promotions and reloadable gift cards. It provides a simple way for employees to access everyday savings.
Simplyhealth is a UK-based healthcare company that provides health plans including private medical insurance, dental plans, health cash plans, and self-funded health plans to over 20,000 businesses. It has been operating for 140 years under various names and now covers nearly 4 million people. Simplyhealth prides itself on providing world-class customer service and tailoring plans to suit each business client's needs and budget.
A research report into employer and employee attitudes to saving in the workplace. The start of automatic enrolment in October 2012 will affect all of the UK’s working population and forever change how people save for their retirement.
On March 4th Roy held a free webinar to share his analysis of the recent Majeski vs. Metropolitan Life case and to have an open discussion with colleagues. Reviewing the case from the point-of-view of a "Thinking Evaluator", Roy discussed five lessons and suggestions for practice for functional capacity evaluators.
This document summarizes key findings from the 2012 Global Employee Benefit Survey. International health care trends have seen low double digit increases in recent years and are expected to continue rising due to factors like increased investment in healthcare and aging populations. The expatriate population covered by these benefits is older with longer tenure compared to domestic employees. Employers are shouldering greater costs for expatriate health benefits, subsidizing around 80% of costs on average while costs rose 7.1% for employers but only 1.3% for employees. Non-U.S. expatriates see lower overall healthcare costs than U.S. expatriates. Localization of employees is increasing, with over half of management positions now filled locally. Supporting international assign
MetLife Home Loans is seeking ambitious mortgage sales professionals to join their growing team. They offer competitive compensation and benefits. MetLife Home Loans is a top mortgage lender known for its strength, leadership, and commitment to customers. Now is the perfect time to join MetLife Home Loans and take advantage of their marketing support, tools, and national brand recognition to help further their vision of bringing financial freedom to all.
Aviva's Working Lives report - Issue 2, February 2013Aviva plc
The document provides an overview of a research report on employer and employee attitudes towards workplace pensions, savings, and benefits in the UK. It finds that while awareness of automatic enrollment reforms has increased, engagement remains a challenge, as many employees do not feel they can afford pension contributions. The report also finds differences in attitudes based on company size, with larger employers being further along in preparing for and managing automatic enrollment.
This document discusses several important life experiences of the author:
1) When first arriving in Canada, the author worked as a waiter in a Chinese restaurant to support themselves while also studying. This allowed them to be financially independent.
2) The author then graduated from university in 2011 with a degree in international economics, which provided valuable knowledge and experiences.
3) An IELTS certificate qualification allowed the author to come to Canada for further study and start their new life, marking an important turning point.
Aviva reported interim results for 2018 that showed operating profit up 4% and operating EPS up 4%. Several major markets delivered strong growth, including the UK (up 10%), France (up 12%), Canada (up 7%), and Singapore (up 10%). Aviva remains confident in achieving its full year target of over 5% growth in operating EPS and will continue organic growth initiatives, pursue bolt-on M&A opportunities, and return excess capital to shareholders.
Aviva reported strong financial results for the first half of 2017. Operating profit increased 11% to £1,465 million, reflecting positive performances across Aviva's businesses worldwide. As a result, Aviva increased its interim dividend per share by 13% to 8.4p. Aviva's geographic and product diversity have benefited results, with increased sales and operating profit growth in the UK, Europe and Aviva Investors. The company has grown its top and bottom lines in key UK business lines like general insurance, pensions, annuities and protection.
Aviva's interim results showed an 11% increase in operating profit to £1,465 million. Key drivers of growth included strong performances in the UK, Europe, and Aviva Investors. The Solvency II capital ratio remained robust at 193%. Cash remittances increased 56% to £1,170 million and the interim dividend was raised 13% to 8.40 pence per share.
We help over 33 million customers around the world protect what's important to them through a wide range of insurance and savings products. We offer life, general, accident & health insurance, and asset management services to both individual and business customers. In 2016 we paid out £34.4 billion in benefits and claims to customers while growing our assets under management to £450 billion.
Aviva's results showed increased operating profit, capital, cash, and dividends compared to the previous year. The company's financial position has been transformed with a stronger balance sheet and excess capital, allowing it to plan additional capital returns to shareholders and debt reduction in 2017. Key metrics included a 12% rise in operating profit to £3,010 million, a 9% increase in the Solvency II capital ratio to 189%, and a 20% rise in cash remittances to £1,805 million. The company will continue focusing on growing its core businesses and operating profits.
Aviva reported strong financial results in 2016. Operating profit increased 12% to £3.01 billion and operating EPS rose 3% to 51.1p. Cash remittances to the group were up 20% at £1.805 billion. The Solvency II capital ratio was 189%, above the target range. Business segments such as UK and Ireland Life, Canada, and Aviva Investors performed well. The Friends Life integration delivered cost synergies ahead of plan. Aviva is growing its dividend and returning additional capital to shareholders in 2017.
Capital Markets Day 2016 presentation slidesAviva plc
Aviva held a Capital Markets Day on July 6, 2016 to provide updates to shareholders and analysts. The presentation included a cautionary statement noting forward-looking projections are subject to risks and uncertainties. Andy Briggs then discussed Aviva's UK Life business, noting its leading market position provides a competitive advantage in delivering both cash flow and low to mid single digit earnings growth over 2016-2018, with projected cash remittances of £3.5-4 billion during this period.
At Aviva, they help over 33 million customers save for the future and manage life's risks through businesses across 16 markets offering life insurance, retirement, savings and pensions, general insurance, health insurance, and asset management. Aviva has over 29,600 employees focused on helping customers overcome uncertainty. Their strategy is to focus on markets and segments where they can win, emphasize a digital-first customer experience, and meet all customer needs through life, general, health, and asset management products.
Infographic outlining Aviva's five carbon investment commitments responding to climate risk and the need to limit global temperature increases to within 2 degrees C
- Aviva reported its 2014 results and outlined its investment thesis of achieving cash flow from business units and growth through life insurance new business value, general insurance underwriting results, and asset management net fund flows.
- The document discusses Aviva's progress on its cash flow and growth goals and provides an overview of the rationale for its proposed acquisition of Friends Life, including expected financial and strategic benefits.
- Key details covered include expected synergies from the Friends Life acquisition, plans to increase Aviva's dividend, and securing a leading position in the UK market through additional customers and asset management funds.
The document summarizes findings from the Aviva Real Retirement Report about finances and attitudes of over-55s in the UK. It finds that while incomes are rising, many over-55s remain concerned about having enough money in retirement. It also examines attitudes towards the new pension freedoms announced in the 2014 UK Budget, finding that while awareness is high, over half say the changes don't affect them and most will continue with traditional retirement solutions rather than accessing savings early. Spending is rising across many categories as consumer confidence increases with the improving economy.
Get Affordable Dental Treatment with MetLife Orthodontics InsuranceMarina Jolie
Orthodontics insurance Plan reimburses the total expense of dental treatments. It finances for all types of treatments that you opt for your teeth like teeth filling, putting braces, adjustments of braces, teeth cleaning and various types of dental surgeries etc.
UK tax implications on Employee Benefits factsheetSimplyhealthUK
This document discusses the various taxation implications of company-paid healthcare in the UK, including:
- Insurance Premium Tax of 6% is included in insurance premiums and cannot be reclaimed.
- Employers pay Class 1A National Insurance Contributions of 13.8% on the cost of employees' healthcare benefits.
- Employees pay income tax on the value of their benefits at their marginal tax rate of 20%, 40%, or 50%.
- Companies can deduct the costs of providing employee benefits from profits for corporation tax purposes.
It provides examples of the tax treatment for private medical insurance and health cash plans.
The Inspired Rewards platform provides employees with savings on gift cards, e-codes, and deals from various retailers. It offers discounts on items like food, clothing, entertainment, and more. Employers can use the platform to support employees financially and increase retention. The platform is customizable and has features like limited edition promotions and reloadable gift cards. It provides a simple way for employees to access everyday savings.
Simplyhealth is a UK-based healthcare company that provides health plans including private medical insurance, dental plans, health cash plans, and self-funded health plans to over 20,000 businesses. It has been operating for 140 years under various names and now covers nearly 4 million people. Simplyhealth prides itself on providing world-class customer service and tailoring plans to suit each business client's needs and budget.
A research report into employer and employee attitudes to saving in the workplace. The start of automatic enrolment in October 2012 will affect all of the UK’s working population and forever change how people save for their retirement.
On March 4th Roy held a free webinar to share his analysis of the recent Majeski vs. Metropolitan Life case and to have an open discussion with colleagues. Reviewing the case from the point-of-view of a "Thinking Evaluator", Roy discussed five lessons and suggestions for practice for functional capacity evaluators.
This document summarizes key findings from the 2012 Global Employee Benefit Survey. International health care trends have seen low double digit increases in recent years and are expected to continue rising due to factors like increased investment in healthcare and aging populations. The expatriate population covered by these benefits is older with longer tenure compared to domestic employees. Employers are shouldering greater costs for expatriate health benefits, subsidizing around 80% of costs on average while costs rose 7.1% for employers but only 1.3% for employees. Non-U.S. expatriates see lower overall healthcare costs than U.S. expatriates. Localization of employees is increasing, with over half of management positions now filled locally. Supporting international assign
MetLife Home Loans is seeking ambitious mortgage sales professionals to join their growing team. They offer competitive compensation and benefits. MetLife Home Loans is a top mortgage lender known for its strength, leadership, and commitment to customers. Now is the perfect time to join MetLife Home Loans and take advantage of their marketing support, tools, and national brand recognition to help further their vision of bringing financial freedom to all.
Aviva's Working Lives report - Issue 2, February 2013Aviva plc
The document provides an overview of a research report on employer and employee attitudes towards workplace pensions, savings, and benefits in the UK. It finds that while awareness of automatic enrollment reforms has increased, engagement remains a challenge, as many employees do not feel they can afford pension contributions. The report also finds differences in attitudes based on company size, with larger employers being further along in preparing for and managing automatic enrollment.
This document discusses several important life experiences of the author:
1) When first arriving in Canada, the author worked as a waiter in a Chinese restaurant to support themselves while also studying. This allowed them to be financially independent.
2) The author then graduated from university in 2011 with a degree in international economics, which provided valuable knowledge and experiences.
3) An IELTS certificate qualification allowed the author to come to Canada for further study and start their new life, marking an important turning point.
Aviva reported interim results for 2018 that showed operating profit up 4% and operating EPS up 4%. Several major markets delivered strong growth, including the UK (up 10%), France (up 12%), Canada (up 7%), and Singapore (up 10%). Aviva remains confident in achieving its full year target of over 5% growth in operating EPS and will continue organic growth initiatives, pursue bolt-on M&A opportunities, and return excess capital to shareholders.
Aviva reported strong financial results for the first half of 2017. Operating profit increased 11% to £1,465 million, reflecting positive performances across Aviva's businesses worldwide. As a result, Aviva increased its interim dividend per share by 13% to 8.4p. Aviva's geographic and product diversity have benefited results, with increased sales and operating profit growth in the UK, Europe and Aviva Investors. The company has grown its top and bottom lines in key UK business lines like general insurance, pensions, annuities and protection.
Aviva's interim results showed an 11% increase in operating profit to £1,465 million. Key drivers of growth included strong performances in the UK, Europe, and Aviva Investors. The Solvency II capital ratio remained robust at 193%. Cash remittances increased 56% to £1,170 million and the interim dividend was raised 13% to 8.40 pence per share.
We help over 33 million customers around the world protect what's important to them through a wide range of insurance and savings products. We offer life, general, accident & health insurance, and asset management services to both individual and business customers. In 2016 we paid out £34.4 billion in benefits and claims to customers while growing our assets under management to £450 billion.
Aviva's results showed increased operating profit, capital, cash, and dividends compared to the previous year. The company's financial position has been transformed with a stronger balance sheet and excess capital, allowing it to plan additional capital returns to shareholders and debt reduction in 2017. Key metrics included a 12% rise in operating profit to £3,010 million, a 9% increase in the Solvency II capital ratio to 189%, and a 20% rise in cash remittances to £1,805 million. The company will continue focusing on growing its core businesses and operating profits.
Aviva reported strong financial results in 2016. Operating profit increased 12% to £3.01 billion and operating EPS rose 3% to 51.1p. Cash remittances to the group were up 20% at £1.805 billion. The Solvency II capital ratio was 189%, above the target range. Business segments such as UK and Ireland Life, Canada, and Aviva Investors performed well. The Friends Life integration delivered cost synergies ahead of plan. Aviva is growing its dividend and returning additional capital to shareholders in 2017.
Capital Markets Day 2016 presentation slidesAviva plc
Aviva held a Capital Markets Day on July 6, 2016 to provide updates to shareholders and analysts. The presentation included a cautionary statement noting forward-looking projections are subject to risks and uncertainties. Andy Briggs then discussed Aviva's UK Life business, noting its leading market position provides a competitive advantage in delivering both cash flow and low to mid single digit earnings growth over 2016-2018, with projected cash remittances of £3.5-4 billion during this period.
At Aviva, they help over 33 million customers save for the future and manage life's risks through businesses across 16 markets offering life insurance, retirement, savings and pensions, general insurance, health insurance, and asset management. Aviva has over 29,600 employees focused on helping customers overcome uncertainty. Their strategy is to focus on markets and segments where they can win, emphasize a digital-first customer experience, and meet all customer needs through life, general, health, and asset management products.
- Aviva's Solvency II ratio is 180% and its balance sheet is considered one of the strongest in the UK market.
- The integration of the Friends Life acquisition is ahead of schedule, with £168 million in synergies achieved to date and a target of £225 million by the end of 2016.
- Operating profits increased 20% to £2.7 billion for 2015, while operating EPS rose 2% despite foreign exchange headwinds.
Aviva reported strong financial results for 2015, with total dividends up 38% over the last two years and operating profit up 20%. The integration of the Friends Life acquisition was completed ahead of schedule, creating savings of £225 million. Aviva now insures one in four UK households and paid over £30.7 billion in benefits and claims to customers in 2015. The company also has one of the strongest solvency ratios in the UK market at 180% and is well positioned for continued growth and customer focus in 2016.
6 things you probably don’t know about online insuranceAviva plc
Online insurance is becoming more popular, with one in five consumers handling both their finances and investments online, and one in three purchasing motor insurance online. Younger consumers between ages 24-34 prefer digital channels for their finances, while over 35% of those over 54 are also keen to go digital first. Digital customers are more likely to use comparison websites to get more options online.
“After three years of turnaround we are now moving to a different phase of delivery. We have improved the balance sheet, simplified the Group and we are now transforming our business. The progress is evident in these results.
“The Friends Life integration is ahead of schedule and we have delivered £63 million of run-rate synergies after three months. This is encouraging but nowhere near complete. Amidst the integration, our UK Life business continued to grow, with value of new business up 31% excluding Friends Life.
“In general insurance, premiums and operating profits were higher. The combined ratio was 93.1%, the best in eight years, and underwriting profits increased 45%.
“The 15% increase in the dividend is a further step towards achieving our target payout ratio and underlines our confidence in our cash flow and the business.”
Aviva half year results 2015 analyst presentationAviva plc
The document outlines cautionary statements regarding forward-looking statements made by Aviva plc. It notes that actual results could differ from forward-looking statements due to factors like difficult economic conditions, regulatory changes, catastrophic events, and more. It also provides a timeline of key events at Aviva from 2013 to 2015, including acquisitions, divestitures, leadership changes, and financial results.
Aviva plc First Quarter 2015 Interim Management Statement Aviva plc
Mark Wilson, Group Chief Executive Officer, said:
“Aviva’s turnaround is on track and ahead of schedule. It’s been a busy quarter. We have completed the acquisition of Friends Life and at the same time delivered an improvement in our key metrics. Value of new business is up, our general insurance combined operating ratio has improved and our IFRS book value has grown over the quarter. In the face of unpredictable global markets, we continue to improve the Group’s resilience.
“Detailed plans to integrate Friends Life are well underway and whilst this is a challenging and complex project, we are confident of timely progress. We expect 2015 to be a year of continued delivery of our turnaround plan.”
Inflation drop gives over-55s an extra £1,032 a year in disposable income as ...Aviva plc
Falling inflation has given over-55s back their financial freedom and boosted saving habits as essential spending has fallen by 7% in a year, according to research from Aviva.
Road to reform: Driving out compensation cultureAviva plc
The document outlines Aviva's plan to reform compensation for whiplash claims in the UK. It summarizes that whiplash claims have increased significantly even as road accidents have decreased, driving up insurance premiums. Aviva proposes a three-point plan to address this: treating minor injuries with rehabilitation instead of cash awards, raising the threshold for lawyer involvement in claims, and banning referral fees. The plan is estimated to reduce unnecessary costs in motor insurance by £1.4 billion and lower premiums by £50.
Making your money last in retirement - Aviva's longevity reportAviva plc
In our making your money last in retirement special report we compare and consider consumer attitudes to the facts about longevity, and make some clear recommendations about how the government and the industry must respond.
Making your money last in retirement - Aviva's longevity reportAviva plc
In our making your money last in retirement special report we compare and consider consumer attitudes to the facts about longevity, and make some clear recommendations about how the government and the industry must respond.
Aviva's biannual UK Family Finances report (December 2014) reveals that:
> UK parents of 0-5s juggle earnings with childcare expenses
> 1 in 10 families using childcare for 0-5s say lower earner takes home nothing after childcare / work costs are paid
> Lower earner typically brings home just £243 after childcare / work costs are paid
> One in three families using childcare for 0-5s turn to grandparents
> Working parents are being hamstrung by childcare costs, with thousands effectively working for nothing, Aviva can reveal.
The company’s Winter 2014 Family Finances Report also reveals that one in 10 families paying childcare costs for youngsters aged 0-5, effectively see one earner bring home nothing from his or her job after childcare and work costs are taken into account.
Similarly one in four families in this position has one parent who brings home less than £100 a month after costs.
Find out more in the full report.
Infographics and quotagraphics to accompany this report are available on Flickr at https://www.flickr.com/photos/avivaplc/
#FamilyFinances
Aviva plc Third Quarter 2014 Interim Management StatementAviva plc
Mark Wilson, Group Chief Executive Officer, said:
“Aviva’s turnaround is delivering. Our key metrics have improved again. Year to date, our net asset value is 10% higher; value of new business is up 15%1 and the general insurance combined ratio improved to 95.9%.
“The steps we have taken to focus and strengthen the Group mean we are in a different position to two years ago.
“Notwithstanding this progress, there is still more to do before we can be satisfied we are fully delivering on our investment thesis of cash flow plus growth.”
Thinking of getting a dog? Be aware that breeds like Pit Bulls, Rottweilers, and German Shepherds can be loyal and dangerous. Proper training and socialization are crucial to preventing aggressive behaviors. Ensure safety by understanding their needs and always supervising interactions. Stay safe, and enjoy your furry friends!
The simplified electron and muon model, Oscillating Spacetime: The Foundation...RitikBhardwaj56
Discover the Simplified Electron and Muon Model: A New Wave-Based Approach to Understanding Particles delves into a groundbreaking theory that presents electrons and muons as rotating soliton waves within oscillating spacetime. Geared towards students, researchers, and science buffs, this book breaks down complex ideas into simple explanations. It covers topics such as electron waves, temporal dynamics, and the implications of this model on particle physics. With clear illustrations and easy-to-follow explanations, readers will gain a new outlook on the universe's fundamental nature.
This presentation includes basic of PCOS their pathology and treatment and also Ayurveda correlation of PCOS and Ayurvedic line of treatment mentioned in classics.
How to Add Chatter in the odoo 17 ERP ModuleCeline George
In Odoo, the chatter is like a chat tool that helps you work together on records. You can leave notes and track things, making it easier to talk with your team and partners. Inside chatter, all communication history, activity, and changes will be displayed.
Physiology and chemistry of skin and pigmentation, hairs, scalp, lips and nail, Cleansing cream, Lotions, Face powders, Face packs, Lipsticks, Bath products, soaps and baby product,
Preparation and standardization of the following : Tonic, Bleaches, Dentifrices and Mouth washes & Tooth Pastes, Cosmetics for Nails.
A review of the growth of the Israel Genealogy Research Association Database Collection for the last 12 months. Our collection is now passed the 3 million mark and still growing. See which archives have contributed the most. See the different types of records we have, and which years have had records added. You can also see what we have for the future.
This presentation was provided by Steph Pollock of The American Psychological Association’s Journals Program, and Damita Snow, of The American Society of Civil Engineers (ASCE), for the initial session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session One: 'Setting Expectations: a DEIA Primer,' was held June 6, 2024.
Exploiting Artificial Intelligence for Empowering Researchers and Faculty, In...Dr. Vinod Kumar Kanvaria
Exploiting Artificial Intelligence for Empowering Researchers and Faculty,
International FDP on Fundamentals of Research in Social Sciences
at Integral University, Lucknow, 06.06.2024
By Dr. Vinod Kumar Kanvaria
A workshop hosted by the South African Journal of Science aimed at postgraduate students and early career researchers with little or no experience in writing and publishing journal articles.
[ARCHIVE] Infographic - Aviva Times of Our Lives Report - Mind the insurance gap
1. Aviva Times of our Lives Report
Mind the insurance gap
INSURANCE
Estimated possessions value GAP
£8,958 £12,501 £17,178 123%
£21,065 £23,611
£23,125 106%
85%
Brits unaware of belongings’ true value Actual possession amount
68% (Aviva data)
Focused on the value of tablets, laptops and mobiles, we
sometimes forget about the basics – carpets, couches and cooking
pots. Brits are underestimating their possessions by over £10,000 57%
£19,977 £25,725 £31,786
on average. The 18-24s have the biggest insurance gap (123%),
£35,358 £36,972 KEY:
which steadily decreases with age as people become more aware 51% age 18-24
of the value of their belongings. £34,989 age 25-34
age 35-44
age 45-54
age 55-64
65+