This 3 sentence summary provides an overview of the key information from the travel insurance policy document:
The document outlines the cover provided by an Interski single trip winter sports travel insurance policy, including cancellation, medical expenses, personal possessions, and liability coverage; it directs readers to their policy documents for full coverage details and notes important exclusions exist. Assistance is available 24/7 by phone or fax for medical or travel issues arising from illnesses or injuries abroad.
Woolworks is a sole proprietorship owned by Irene McGinley that manufactures custom crochet items out of her home. She has over 20 years of experience designing and crocheting items by hand. Woolworks provides custom designs for gifts or artwork by working closely with customers. Irene is seeking €7,000 to expand Woolworks into a full-time business and fund initial inventory, equipment, marketing and a website. Her business plan outlines financial projections, products/services, competitors, target markets and growth strategies.
This document provides pricing and lead times for various promotional products that can be customized with branding, including seed packets, bookmarks, bubble pens, masks, bags, ponchos, shoppers, and pens. Prices range from €0.12 to €1.30 per unit depending on the item and quantity ordered. All prices include a one color print and origination and delivery. Lead times range from 3 to 8 weeks depending on the product and quantity ordered.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
La Unión Europea ha anunciado nuevas sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen prohibiciones de viaje y congelamiento de activos para más funcionarios rusos, así como restricciones a las importaciones de productos rusos de acero y tecnología. Los líderes de la UE dicen que continuarán presionando a Rusia con sanciones adicionales hasta que retire sus tropas de Ucrania.
Este documento describe un material didáctico interactivo desarrollado para permitir que los estudiantes realicen prácticas de laboratorio de física general desde su computadora. El material incluye simulaciones de experimentos físicos y tareas para que los estudiantes completen. Fue creado para abordar problemas como la falta de actualización de los laboratorios y la necesidad de que los estudiantes tengan acceso a las prácticas a pesar de no tener acceso a Internet. El material proporciona recursos adicionales como información sobre errores de
This document contains 20 sentences using vocabulary words. It describes various people and situations involving the vocabulary words such as a girl who was very talkative in class, a boy who was very quiet which made someone think something was wrong, and Hitler being known as nefarious for killing Jews. The document provides examples of how the vocabulary words were used in different contexts.
Graphics systems use input devices like keyboards and mice to provide user input, and output devices like monitors, printers, and plotters to display or print the output. Common output display technologies include CRT monitors which use electron beams, and flat panel displays such as LCD, plasma, LED, and thin-film electroluminescent. These displays can be used for both 2D and 3D graphics rendering and output. Peripheral devices allow for additional input and interaction with 3D graphics.
Woolworks is a sole proprietorship owned by Irene McGinley that manufactures custom crochet items out of her home. She has over 20 years of experience designing and crocheting items by hand. Woolworks provides custom designs for gifts or artwork by working closely with customers. Irene is seeking €7,000 to expand Woolworks into a full-time business and fund initial inventory, equipment, marketing and a website. Her business plan outlines financial projections, products/services, competitors, target markets and growth strategies.
This document provides pricing and lead times for various promotional products that can be customized with branding, including seed packets, bookmarks, bubble pens, masks, bags, ponchos, shoppers, and pens. Prices range from €0.12 to €1.30 per unit depending on the item and quantity ordered. All prices include a one color print and origination and delivery. Lead times range from 3 to 8 weeks depending on the product and quantity ordered.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
La Unión Europea ha anunciado nuevas sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen prohibiciones de viaje y congelamiento de activos para más funcionarios rusos, así como restricciones a las importaciones de productos rusos de acero y tecnología. Los líderes de la UE dicen que continuarán presionando a Rusia con sanciones adicionales hasta que retire sus tropas de Ucrania.
Este documento describe un material didáctico interactivo desarrollado para permitir que los estudiantes realicen prácticas de laboratorio de física general desde su computadora. El material incluye simulaciones de experimentos físicos y tareas para que los estudiantes completen. Fue creado para abordar problemas como la falta de actualización de los laboratorios y la necesidad de que los estudiantes tengan acceso a las prácticas a pesar de no tener acceso a Internet. El material proporciona recursos adicionales como información sobre errores de
This document contains 20 sentences using vocabulary words. It describes various people and situations involving the vocabulary words such as a girl who was very talkative in class, a boy who was very quiet which made someone think something was wrong, and Hitler being known as nefarious for killing Jews. The document provides examples of how the vocabulary words were used in different contexts.
Graphics systems use input devices like keyboards and mice to provide user input, and output devices like monitors, printers, and plotters to display or print the output. Common output display technologies include CRT monitors which use electron beams, and flat panel displays such as LCD, plasma, LED, and thin-film electroluminescent. These displays can be used for both 2D and 3D graphics rendering and output. Peripheral devices allow for additional input and interaction with 3D graphics.
This document provides information about various wilderness conservation efforts and volunteer opportunities with Friends of Nevada Wilderness. It discusses a new public lands bill process that could designate new wilderness areas in Lyon and Mineral Counties, Nevada. It also profiles longtime Friends volunteers Ursula and Howard Booth and their contributions to protecting Nevada's wild places through restoration projects. Additionally, it summarizes Friends' volunteer activities over the summer, including projects for National Public Lands Day and assisting with landscape restoration at the Burning Man festival.
C:\Documents And Settings\Bredaddari\My Documents\Astronomy And Weather Review1brizett45
This document appears to be a quiz covering topics in astronomy and weather, asking multiple choice and true/false questions about instruments used to measure weather phenomena, concepts like the seasons and phases of the moon, basic facts about the solar system, and the water cycle. It quizzes the reader on definitions and concepts from astronomy and meteorology.
Graphics systems use input devices like keyboards and mice to provide user input, and output devices like monitors, printers, and plotters to display or print the output. Common output display technologies include CRT monitors which use electron beams, and flat panel displays such as LCD, plasma, LED, and thin-film electroluminescent. These displays can be used for both 2D and 3D graphics rendering and output. Peripheral devices allow for additional input and output in graphics systems.
This document outlines the assignments completed by a student, Clint Quappe, for a class project on augmented reality in the workplace. It discusses the development of an augmented reality product called VirtuGlass, including naming, branding, logo design, website wireframes, and visual designs. Research was conducted on augmented reality technology capabilities and examples from other companies. The final deliverables included social media pages, a prototype website, and a tagline for the VirtuGlass product.
The document contains information about Ruben Swieringa and lists his profiles on various social media and websites. It then contains code snippets about Flex including child descriptors, data binding, CSS in Flex, and selector trimming.
Este documento presenta un blog llamado "Recuperando nuestro Pasado" que contiene videos, imágenes, textos y relatos sobre las costumbres y tradiciones del pasado de varios pueblos. El blog anima a la participación pública enviando contribuciones en diferentes formatos y ofrece contenido como un video sobre el pueblo de Canjáyar y fotografías de actividades realizadas por los mayores en el pasado.
Boost::multi_index allows storing and accessing data in multiple ways simultaneously by maintaining multiple indices. It can index the same data by different fields, like id and name, without needing to duplicate or synchronize data. Users define the indices upfront, such as ordered by id and name. This allows efficient lookup and iteration by either field without additional containers or synchronization. Boost::multi_index provides common index types like ordered and hashed indices as well as tools to extract keys from objects. It offers powerful and flexible indexing of data.
Este documento ofrece una introducción al uso de Twitter, incluyendo cómo crear una cuenta, publicar tweets, seguir a otros usuarios, usar hashtags y aplicaciones complementarias. Proporciona consejos sobre la etiqueta en Twitter y recomienda sitios para aprender más sobre el uso efectivo de esta plataforma de redes sociales.
O documento discute a responsabilidade coletiva pela proteção de crianças e adolescentes, começando pelo apoio às famílias e suas redes de apoio, aliadas às instituições de proteção. Ele também lista os títulos e capítulos do Estatuto da Criança e do Adolescente, que trata dos direitos fundamentais de crianças e adolescentes.
El documento describe las asignaturas y actividades extracurriculares de un colegio en España. Los alumnos de 5o curso toman siete asignaturas obligatorias como lengua, matemáticas y educación física, además de dos opcionales. Forman una cooperativa para vender artesanías. También participan en un programa de intercambio Comenius con otros colegios europeos. Celebran varias fiestas como Halloween, Carnaval, Navidad y el último día de clases.
This document summarizes key points from a lecture on steady-state heat conduction in multiple dimensions:
1) It introduces the Laplace equation that governs two-dimensional steady-state heat conduction problems. 2) Analytical solutions can be obtained for some simple geometries using separation of variables, and the document works through examples of this approach. 3) Numerical and graphical techniques can also be used to analyze more complex multi-dimensional heat conduction problems. 4) The concept of a shape factor is introduced to simplify calculating heat flow through objects of various shapes.
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a las importaciones de productos rusos de alta tecnología y a las exportaciones de bienes de lujo a Rusia. Además, se congelarán los activos de varios oligarcas rusos y se prohibirá el acceso de los bancos rusos a los mercados financieros de la UE.
This document provides a summary of cover for a winter sports travel insurance policy. It includes:
1. Details of pre-travel and travel policy sections with maximum benefits and excess amounts for cancellation, medical expenses, personal belongings, and more.
2. Definitions of terms used in the policy like hazardous activity, home, insured person, and trip.
3. Information on when cover starts and ends, disclosure requirements, exclusions for pre-existing medical conditions, and requirements to contact the referral helpline in some cases.
4. Contact information for claims and questions.
The Icesave dispute: Priorities and division of claimsHjalmar Gislason
This presentation explains the disputed division of claims in relation to the agreement between Iceland and the UK to settle the Icesave deposit guarantees.
Charging Schedules- Michael Davies, RTPI West Midlands CPDDesign South East
This document discusses approaches to community infrastructure levy (CIL) charging schedules that have been adopted or are being developed by various local authorities in the UK. It summarizes key challenges from the perspective of housebuilders, including unclear legislation, cost, commercial sensitivities, and uncertainty around infrastructure delivery. It also outlines different approaches local authorities are taking to setting CIL rates and infrastructure assumptions, with some relying on outdated information or making assumptions not supported by evidence. Concerns are raised about the viability testing used to determine CIL rates in some local authority areas.
This document outlines the UK tax rates for sole traders in the 2010-11 tax year. It shows that the first £6,475 is tax-free due to the personal allowance. Income up to £43,875 is taxed at 20%, income from £43,875 to £150,000 is taxed at 40%, and any income over £150,000 is taxed at 50%. It also notes that the personal allowance is reduced pro-rata for income over £100,000. National insurance contributions are 8% on profits between £5,075 and £43,875.
This document outlines three ways to earn money through a direct sales opportunity:
1. Retail profit - Earning a commission from retail sales. The document provides projections showing potential earnings from different weekly catalog delivery volumes.
2. Volume profit - Earning additional bonuses based on total sales volume over a period. Bonuses range from 10-24% of total sales value.
3. Royalty bonuses - Earning additional ongoing bonuses based on total team sales volume and growth over time.
The document promotes starting a direct sales business through this opportunity with a starter kit, training and support provided to help build the business and earn income within a few weeks through retail commissions.
The document is a cash flow forecast for Footy Fanatics Ltd, a company that makes and sells footballs, over the next 6 months. [1] Sales are expected to decrease each month from £190,000 in January to £140,000 in June due to seasonal factors. [2] Materials costs are also decreasing each month from £60,000 to £45,000. [3] Despite decreasing sales, the company is expected to increase its net cash flow and closing balance each month, indicating strong financial performance.
This document provides information about various wilderness conservation efforts and volunteer opportunities with Friends of Nevada Wilderness. It discusses a new public lands bill process that could designate new wilderness areas in Lyon and Mineral Counties, Nevada. It also profiles longtime Friends volunteers Ursula and Howard Booth and their contributions to protecting Nevada's wild places through restoration projects. Additionally, it summarizes Friends' volunteer activities over the summer, including projects for National Public Lands Day and assisting with landscape restoration at the Burning Man festival.
C:\Documents And Settings\Bredaddari\My Documents\Astronomy And Weather Review1brizett45
This document appears to be a quiz covering topics in astronomy and weather, asking multiple choice and true/false questions about instruments used to measure weather phenomena, concepts like the seasons and phases of the moon, basic facts about the solar system, and the water cycle. It quizzes the reader on definitions and concepts from astronomy and meteorology.
Graphics systems use input devices like keyboards and mice to provide user input, and output devices like monitors, printers, and plotters to display or print the output. Common output display technologies include CRT monitors which use electron beams, and flat panel displays such as LCD, plasma, LED, and thin-film electroluminescent. These displays can be used for both 2D and 3D graphics rendering and output. Peripheral devices allow for additional input and output in graphics systems.
This document outlines the assignments completed by a student, Clint Quappe, for a class project on augmented reality in the workplace. It discusses the development of an augmented reality product called VirtuGlass, including naming, branding, logo design, website wireframes, and visual designs. Research was conducted on augmented reality technology capabilities and examples from other companies. The final deliverables included social media pages, a prototype website, and a tagline for the VirtuGlass product.
The document contains information about Ruben Swieringa and lists his profiles on various social media and websites. It then contains code snippets about Flex including child descriptors, data binding, CSS in Flex, and selector trimming.
Este documento presenta un blog llamado "Recuperando nuestro Pasado" que contiene videos, imágenes, textos y relatos sobre las costumbres y tradiciones del pasado de varios pueblos. El blog anima a la participación pública enviando contribuciones en diferentes formatos y ofrece contenido como un video sobre el pueblo de Canjáyar y fotografías de actividades realizadas por los mayores en el pasado.
Boost::multi_index allows storing and accessing data in multiple ways simultaneously by maintaining multiple indices. It can index the same data by different fields, like id and name, without needing to duplicate or synchronize data. Users define the indices upfront, such as ordered by id and name. This allows efficient lookup and iteration by either field without additional containers or synchronization. Boost::multi_index provides common index types like ordered and hashed indices as well as tools to extract keys from objects. It offers powerful and flexible indexing of data.
Este documento ofrece una introducción al uso de Twitter, incluyendo cómo crear una cuenta, publicar tweets, seguir a otros usuarios, usar hashtags y aplicaciones complementarias. Proporciona consejos sobre la etiqueta en Twitter y recomienda sitios para aprender más sobre el uso efectivo de esta plataforma de redes sociales.
O documento discute a responsabilidade coletiva pela proteção de crianças e adolescentes, começando pelo apoio às famílias e suas redes de apoio, aliadas às instituições de proteção. Ele também lista os títulos e capítulos do Estatuto da Criança e do Adolescente, que trata dos direitos fundamentais de crianças e adolescentes.
El documento describe las asignaturas y actividades extracurriculares de un colegio en España. Los alumnos de 5o curso toman siete asignaturas obligatorias como lengua, matemáticas y educación física, además de dos opcionales. Forman una cooperativa para vender artesanías. También participan en un programa de intercambio Comenius con otros colegios europeos. Celebran varias fiestas como Halloween, Carnaval, Navidad y el último día de clases.
This document summarizes key points from a lecture on steady-state heat conduction in multiple dimensions:
1) It introduces the Laplace equation that governs two-dimensional steady-state heat conduction problems. 2) Analytical solutions can be obtained for some simple geometries using separation of variables, and the document works through examples of this approach. 3) Numerical and graphical techniques can also be used to analyze more complex multi-dimensional heat conduction problems. 4) The concept of a shape factor is introduced to simplify calculating heat flow through objects of various shapes.
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a las importaciones de productos rusos de alta tecnología y a las exportaciones de bienes de lujo a Rusia. Además, se congelarán los activos de varios oligarcas rusos y se prohibirá el acceso de los bancos rusos a los mercados financieros de la UE.
This document provides a summary of cover for a winter sports travel insurance policy. It includes:
1. Details of pre-travel and travel policy sections with maximum benefits and excess amounts for cancellation, medical expenses, personal belongings, and more.
2. Definitions of terms used in the policy like hazardous activity, home, insured person, and trip.
3. Information on when cover starts and ends, disclosure requirements, exclusions for pre-existing medical conditions, and requirements to contact the referral helpline in some cases.
4. Contact information for claims and questions.
The Icesave dispute: Priorities and division of claimsHjalmar Gislason
This presentation explains the disputed division of claims in relation to the agreement between Iceland and the UK to settle the Icesave deposit guarantees.
Charging Schedules- Michael Davies, RTPI West Midlands CPDDesign South East
This document discusses approaches to community infrastructure levy (CIL) charging schedules that have been adopted or are being developed by various local authorities in the UK. It summarizes key challenges from the perspective of housebuilders, including unclear legislation, cost, commercial sensitivities, and uncertainty around infrastructure delivery. It also outlines different approaches local authorities are taking to setting CIL rates and infrastructure assumptions, with some relying on outdated information or making assumptions not supported by evidence. Concerns are raised about the viability testing used to determine CIL rates in some local authority areas.
This document outlines the UK tax rates for sole traders in the 2010-11 tax year. It shows that the first £6,475 is tax-free due to the personal allowance. Income up to £43,875 is taxed at 20%, income from £43,875 to £150,000 is taxed at 40%, and any income over £150,000 is taxed at 50%. It also notes that the personal allowance is reduced pro-rata for income over £100,000. National insurance contributions are 8% on profits between £5,075 and £43,875.
This document outlines three ways to earn money through a direct sales opportunity:
1. Retail profit - Earning a commission from retail sales. The document provides projections showing potential earnings from different weekly catalog delivery volumes.
2. Volume profit - Earning additional bonuses based on total sales volume over a period. Bonuses range from 10-24% of total sales value.
3. Royalty bonuses - Earning additional ongoing bonuses based on total team sales volume and growth over time.
The document promotes starting a direct sales business through this opportunity with a starter kit, training and support provided to help build the business and earn income within a few weeks through retail commissions.
The document is a cash flow forecast for Footy Fanatics Ltd, a company that makes and sells footballs, over the next 6 months. [1] Sales are expected to decrease each month from £190,000 in January to £140,000 in June due to seasonal factors. [2] Materials costs are also decreasing each month from £60,000 to £45,000. [3] Despite decreasing sales, the company is expected to increase its net cash flow and closing balance each month, indicating strong financial performance.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow, releases endorphins, and promotes changes in the brain which help regulate emotions and stress levels.
This document provides organisers with information about the Interski School Group insurance policy for 2009-2010. It outlines key responsibilities of organisers, including distributing policy documents and claim forms to travelers. Organisers must ensure all travelers understand what is and isn't covered by the policy. The policy contains two parts - a pre-travel policy covering cancellation and a travel policy providing coverage while traveling. The policy excludes pre-existing medical conditions for most travelers but may provide coverage if referred through a helpline. Organisers must notify insurers immediately if any travelers need to cancel or amend their travel plans due to health issues.
The document summarizes details about a school trip from Portlethen Academy in Scotland to Courmayeur, Italy in 2011. The trip would involve traveling by bus and ferry to stay in Courmayeur for 6 days and 5 nights. Students would receive ski or snowboard lessons for 4 hours per day, along with accommodations, meals, equipment rental, and an après-ski program. The total cost was estimated at £750 for skiing or £790 for snowboarding, with deposit and payment plans provided.
The document is a quiz in French about common French idiomatic expressions and their meanings. It contains 15 multiple choice questions testing understanding of expressions such as "se serrer les coudes" meaning to help each other, "avoir le cœur sur la main" meaning to be generous, and "tomber dans les pommes" meaning to faint. The correct answers are provided at the end along with the literal English translations of the expressions.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic DataChampak Jhagmag
In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...
Schools insurance key_facts
1. P o l i c y S u m m a r y - 2 0 0 9 . 2 0 1 0 I n t e r s k i S i n g l e t r i p t r a ve l i n s u r a n c e
This document provides a guide to the cover provided. It is however, only a summary of the terms of cover and does not contain full details of the insurance policy terms,
conditions and exclusions which are contained in the insurance policy itself. You should refer to your own policy document, your policy certificate and any endorsements that apply
to your policy for full detail of your cover. Please take time to read the policy to make sure you understand the cover it provides.
About your insurance
This insurance is arranged by Fogg Travel Insurance Services Limited (Fogg), who is authorised and regulated by the Financial Services Authority and whose FSA registered
number is 307304. This can be checked at www.fsa.gov.uk/pages/register. A copy of the policy wording is held by Fogg. This insurance is underwritten by Union
Reiseversicherung AG, UK Branch and who are authorised in Germany by BaFin and regulated by the Financial Services Authority. Inter School Travel Ltd is an Appointed
Representative of Fogg Travel Insurance Services Limited.
This insurance is Single Trip winter sports cover and under cover under A. Pre-Travel Policy, is valid from the date of purchase until you leave home at the start of your trip. The
cover under the B. Travel Policy starts when you leave home at the start of your trip and ends when you return home or the expiry of the policy whichever is first. This insurance is
th st
arranged for departures between 15 November 2009 and 31 May 2010.
Cancellation
If the terms of the policy are not suitable for your needs please inform Interski within 14 days of receipt of your insurance document provided no claims have been made, you
intend to make any claim and that you return your policy prior to your departure date.
24 Hour Assistance
We want to take all the worry out of your holiday so that you have the best time possible. If problems do occur you be sure that help will be on hand wherever possible. This is
why we have arranged a special 24 hour service for emergency medical assistance. Through FOGG ASSIST we provide immediate help in the event of an Insured Person’s illness
or injury arising outside the United Kingdom.
You must notify FOGG ASSIST immediately of any serious illness or accident abroad where you are admitted to hospital or you are anticipating having to return home early or
having to extend Your stay or costs are likely to exceed £500 because of any illness or injury. We provide a 24 hour multi-lingual emergency service, 365 days per year and can be
contacted by telephone or fax. Emergency Tel. No. (+44) 845 658 9899 Fax. (+44) 20 7407 9206 You will need to quote your scheme name.
Significant Features and Benefits
Your policy will show the full cover provided, the following is a summary of the main benefits, applicable to each Insured-person:
A. PRE-TRAVEL POLICY
Policy section Maximum benefit Excesses
1. Cancellation / Loss of deposit up to £3,000 £60 / £20
B. TRAVEL POLICY
Policy section Maximum benefit Excesses
1. Departure delay up to £250 Nil
Delay abandonment up to £3,000 £60
Missed departure up to £800 Nil
2. Weather extension up to £200 Nil
3. Piste Closure - Valid only 1 December and 30 April up to £180 Nil
4. Personal possessions up to £750 £60
Single article / valuable limits up to £200
Delayed possessions up to £100 Nil
Ski equipment up to £500 £60
Single/set limit up to £200
Hired skis up to £250 £60
5. Personal money up to £500 £60
Cash limit up to £250
Party leader student money up to £1,000 £60
Party leader emergency funds up to £500 £60
Loss of travel documents up to £250 Nil
6. Emergency medical expenses up to £5,000,000 £60 *
Hospital benefit @ £15 per day up to £300 Nil
* £25 for persons aged under 18 years
7. Curtailment up to £3,000 £60
8. Personal liability up to £2,000,000 £60/£250
9. Organisers liability + £5,000,000 £60/£250
10. Organisers expenses + £100 Nil
11. Personal accident up to £25,000 ^ Nil
12. Legal advice and expenses up to £10,000 £250
^ please see personal accident section of the policy for details of amount of payment.
+ Section 9 and Section 10 only apply to school trips only.
Claims
If you believe that you have a claim please refer to your policy and “What you need to do if you wish to make a claim”. You should notify:
Fogg Travel Insurance Services Limited, Crow Hill Drive, Mansfield, Notts NG19 7AE online at www.foggtravelinsurance.com – you can complete or print the relevant claim form
or Telephone: 01623 631331 Fax: 01623 420450
When you notify a claim you will need to quote your scheme name.
Referral Helpline
If you need to make a medical declaration and/or material fact please refer to your policy and “Disclosure of Material Facts and Pre-existing Health Conditions’ under the pre-travel
policy and ‘Change in Medical Condition or Ongoing Medication’ under the travel policy. You should contact the Referral Helpline on telephone number 0845 1300 198 during
office hours Monday to Friday, 9am to 5pm.
POLICY WORDING
The policy wording can be viewed and printed at any time by any one who wishes to see the full terms at www.interski.co.uk and by clicking on the ‘General
Info’ button on the home page, and then following the Insurance link button on this page.
2. Significant Limitations, Conditions and Exclusions
This is not an exhaustive list. Please take time to read the full insurance policy to make sure you understand the cover it provides.
Significant restrictions and exclusions applying to all parts of the policy
Residency This policy is only available to persons who have lived in the United Kingdom for at least 6 months in the last 12 months. Please read
Definition of Words section in the policy – Home, Resident, Insured-person/you/you.
Insurance Policy This contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy
carefully. There are conditions and exceptions which apply to individual sections and general policy conditions, exceptions which apply to
the whole policy.
Policy Limits Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits e.g.:
for any one item, or for valuables in total. Please read Section B1 Departure Delay, B2 Weather Extension, B3 Piste Closure, B4 Personal
Possessions, B5 Personal Money, B6 Emergency Medical Expenses, Section B11 Personal Accident.
Excesses An excess is the amount you have to pay towards each claim. All excesses are payable by each insured person for each incident giving
rise to a separate claim under each section of cover.
Under Section B6 - Emergency Medical Expenses your excess will reduce to Nil if you save money by using a European Health Insurance
Card (EHIC) at a state hospital and/or with a registered doctor.
Age Restrictions Cover is available for persons under 85 years at the date of departure.
The duration is reduced to 31 days if you are aged between 65 and 75 and to 24 days if you are 75 to 84 years at the date of departure.
In-patient Treatment There is no cover for in-patient treatment that has not been notified to the 24 hour Emergency Assistance Service. Read If you need
emergency medical assistance abroad’ section in the policy and see 24 Hour Assistance section heading above.
Pre-existing medical • There is no cover for any claim connected to any pre-existing medical condition, any condition awaiting treatment or investigation, any
conditions terminal condition or any condition where medication has been changed.
• If you have ever had a heart condition, diabetes, a stroke, breathing problems, high blood pressure, and do not notify the Referral
Helpline we reserve the right to refuse any claim on your policy.
• If you have been referred to a specialist or treated as an in patient in the last two years and do not declare that fact to the Referral
Helpline we reserve the right to refuse any claim on your policy
• This includes anything concerning your close relative or close business associate on whom the travel plans may depend. Please also
see Required Disclosure of Material Facts below.
• If you are travelling as part of a school party group you need only phone our Referral Helpline with reference to the above if
you are over 18 travelling anywhere, or you are under 18 and in full time school education travelling outside Europe.
• We require you to notify the Referral Helpline if your health or your ongoing medication changes between the date the policy was bought
and the date of travel.
Please read Disclosure of Material Facts and Pre-existing Health Conditions section, Change in medical condition or ongoing medication
section and Definition of Words section in the policy for full details.
Psychological conditions There is no cover for stress, anxiety, depression, eating disorders or any condition requiring psychiatric care.
Alcohol or Drugs There is no cover for any claim caused by your past or present use or abuse of drugs, solvents or alcohol
Required Disclosure We reserve the right to refuse a claim where you have not informed us of a material fact.
Material facts A material fact is a piece of important information that would affect the likelihood of a claim under your policies.
We require you to notify the Referral Helpline if you have ever had (this includes anything concerning your close relative or close business
associate on whom the travel plans may depend) :- any form of cancer, any heart or circulatory condition, a stroke or high blood pressure,
any breathing condition (such as asthma), any type of diabetes.
This includes any pre-existing health conditions concerning any one who is travelling with you or your close relative or close business
associate on whom the travel plans may depend. Please read Disclosure of Material Facts and Pre-existing Health Conditions section and
Definition of Words section in the policy.
Hazardous activities Any claim caused by you taking part in a hazardous activity (as defined in the policy) except where forming part of the published tour
operator programme. Hazardous activities include competitive events, sports, pastimes and any other activity that requires skill and involves
increased risk of injury. (If you are unsure prior to travel, if your activity is covered by this policy, please telephone us for advice).
Terrorism, war, civil disorder The policy does not cover claims arising from terrorism, war, civil disorder or fear of any of these.
Proof of claim If you have to make a claim under any section of these policies it is for you to produce sufficient evidence of the cause of the claim and the
losses connected to it before we will meet the claim. For eg. Police, reps report confirming the loss, theft, damage or written medical
confirmation confirming the need to curtail your holiday. Please also see the ‘If you need Emergency Medical Assistance Abroad’ Section
headed in the policy, and see 24 hour Assistance heading above.
Read the sections in the policy and under the headings “What you need to do if you wish to make a claim under this section of the policy:”
Property Claims These are settled on an indemnity basis (initial purchase price less a deduction for age, wear and tear and depreciation) – not on a “new for
old” or replacement cost basis. Claims will not be considered unless substantiated by proof of purchase or existing valuation for any item,
pair or set above £50.
Read Section B4 – Personal Possessions in the policy headed ‘What is not covered’ and “What you need to do if you wish to make a claim
under that section of the policy:”
Unattended There is no cover for Valuables, Personal Money (including Student Money, Emergency Funds) left unattended, carried in suitcases or
similar containers when left unattended. Personal Possessions are not covered if left unattended from your personal trip accommodation.
Certain exceptions apply. Read Section B4 Personal Possessions and Section B5 Personal Money in the policy headed ‘What is not
covered’ and Definitions section in the policy under Valuables, Personal Possessions, Ski Equipment and Personal Money.
Personal Liability There is no cover for claims arising from ownership, possession, control of or use of any mechanically propelled vehicles, aircraft, motorised
skis, motorised waterborne craft or sailing vessel or animals, land or buildings other than your trip accommodation or caused by your
profession, any member of your family, or deliberate act or omission by you.
Subrogation and We reserve the right to ask for a contribution from any other relevant insurances you may hold and to take legal action in your name to
contribution recover losses against any third party.
Legal Advice
Should you have an accident abroad and require legal advice this is available through Pannone LLP, 123 Deansgate, Manchester, M3 2BU telephone: 0161 228 3851
or fax: 0161 909 4444. They will arrange for up to thirty minutes of advice to be given to you by a lawyer. You cannot use this service to sue a member of your family, the tour
operator, the insurer or anyone acting as their agent.
Complaints
We aim to give you a first class service and to meet any valid claims covered by these policies honestly, fairly and promptly. If you are not happy with our service or wish to
complain about your insurance policy please write to in the first instance to:
(a) The General Manager, Fogg Travel Insurance Services Limited, Crow Hill Drive, Mansfield, Notts. NG19 7AE
Should you still remain dissatisfied you may then pursue the following options:
(b) (i) Write to the Branch Manager, URV, Oast Business Centre, Frith Farm, Ashes Lane, Hadlow, Kent TN11 9QU who will review the claims office decision.
(ii) If your complaint cannot be resolved you may ask the Financial Ombudsman Service (FOS) to review your case.
Their address is South Quay Plaza, 183 Marsh Wall, London E14 9SR Telephone 0845 080 1800
Compensation
URV is a member of the Financial Services Compensation Scheme, which offers you protection in the event that the Insurer is not financially able to meet its liabilities in respect of
your claim, the FSCS can cover up to 100% of the first £2,000 plus 90% of the remainder of the claim.
Law Applicable to the Insurance
This insurance is governed by the law of England and Wales unless you and your insurers have agreed otherwise.