REACHING NEW ENNEAGRAM AUDIENCES THROUGH the INTERNET Continued from Page One Education and Training
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China Insurance Sector
China / Hong Kong Industry Focus China Insurance Sector Refer to important disclosures at the end of this report DBS Group Research . Equity 1 Nov 2017 Multi-year value growth ahead HSI: 28,336 • Strong growth potential back by C-ROSS, favourable policy direction, and structural drivers ANALYST • Favourable asset/liability mismatch position Ken SHIH +852 2820 4920 [email protected] bodes well under a rising rate environment; China lifers’ book value is set to rise Keith TSANG CFA, +852 2971 1935 nd [email protected] • Impact from 2 phase of auto insurance pricing reform expected to be more severe; online insurers considered to be a disruptive force Recommendation & valuation • Initiating coverage on China Insurance sector. Top picks: China Taiping (966 HK), CPIC (2601 HK), and C losing Targe t FY17F Ping An (2318 HK). Top SELLs: PICC P&C (2328 HK), Stock Ticker Rating Price Price PB Yield ROE and China Re (1508 HK) (HKD) (HK D) (X) (%) (% ) Spotlight on value enhancement: We believe China’s low Ping A n - H 2318 H K BUY 68. 1 86. 0 2.4 1.5 17.8 insurance coverage, launch of China Risk-Oriented Solvency C hina Life - H 2628 H K BUY 25. 8 32. 0 1.9 1.8 9.6 System (C-ROSS), and policy guidance will continue to direct China Taiping 966 HK BUY 25.1 38.0 1.4 1.1 8.9 China life insurers to refocus on traditional life products and C hina Pacific - H 2601 HK BUY 37. 7 54. 0 2.0 2.8 11.1 value enhancement. -
CUGN Academic Catalog Contains Current Information Regarding the Academic Calendar, Admissions, Degree Requirements, Fees, Regulations, and Course Offerings
2012 ACADEMIC CATALOG CHRISTIAN UNIVERSITY GLOBALNET 2013-14 ACADEMIC CATALOG www.cugn.org Table of Contents Introduction . 3 Academic Policies . .60 Welcome . 4 Drop/Add Procedures . 60 From the President . .. 4 Appeals Process . 60 From the Academic Dean . 5 Honesty/Cheating/Plagiarism . 61 Contacting Us . 6 Student IDs . 61 About CUGN . 7 Bible Competency Exam and Advanced Placement . 61 History . 7 Repeating a Course . 62 Academic Programs . 7 GPA Scale . .. 62 What We Believe . 8 Pass-Fail and Course Validation in Core 1 . 62 Endorsements and Testimonials . 9 Special Student Needs/Accommodations . 63 General Endorsements . 9 CUGN Email Account/Google Docs . 63 Faculty Endorsements . 10 Incompletes . 63 Mission and Vision . .11 Extensions . 63 Academic Calendar / Enrollment Deadlines . 12 Academic Probation . 64 2013 . 12 Dismissal . .. 64 2014 . 13 Transfer Credit . 64 2015 . 14 Part-time, Full-time, Noncredit Students . 65 Curriculum Description . .15 Discussion Forum Guidelines . 65 Summary Chart of Program Requirements . 16 Requirements for Success . 66 M.A.R. Thesis-Project . 19 Tutorials and Learning Management System (LMS) . 66 M.A.R. Concentrations . .20 Bible Competency Exam . 66 Choosing Your M .A .R . Concentration . 20 English Proficiency . 66 Master of Arts in Ministry Studies (accredited) . 23 Computer/Internet/Software Requirements . 66 Certificate Programs . 24 Student Records . 67 Transfer Credit Courses . 26 Mentor Requirements . 67 Course Lists Per Semester . 27 Graduation Procedures . .67 Undergraduate Degree Options . 30 Online Library / Resources . 67 Course Descriptions . 32 Tuition and Financial Aid . 68 Old Testament . 33 Tuition Costs . 68 New Testament . 37 Tuition Payments . 68 Systematic Theology . 41 Refunds . 68 Church History . 42 Financial Assistance . -
Assessing Payments Systems in Latin America
Assessing payments systems in Latin America An Economist Intelligence Unit white paper sponsored by Visa International Assessing payments systems in Latin America Preface Assessing payments systems in Latin America is an Economist Intelligence Unit white paper, sponsored by Visa International. ● The Economist Intelligence Unit bears sole responsibility for the content of this report. The Economist Intelligence Unit’s editorial team gathered the data, conducted the interviews and wrote the report. The author of the report is Ken Waldie. The findings and views expressed in this report do not necessarily reflect the views of the sponsor. ● Our research drew on a wide range of published sources, both government and private sector. In addition, we conducted in-depth interviews with government officials and senior executives at a number of financial services companies in Latin America. Our thanks are due to all the interviewees for their time and insights. May 2005 © The Economist Intelligence Unit 2005 1 Assessing payments systems in Latin America Contents Executive summary 4 Brazil 17 The financial sector 17 Electronic payments systems 7 Governing institutions 17 Electronic payment products 7 Banks 17 Conventional payment cards 8 Clearinghouse systems 18 Smart cards 8 Electronic payment products 18 Stored value cards 9 Credit cards 18 Internet-based Payments 9 Debit cards 18 Payment systems infrastructure 9 Smart cards and pre-paid cards 19 Clearinghouse systems 9 Direct credits and debits 19 Card networks 10 Strengths and opportunities 19 -
42Db806284f0469eb175c7556318039c Aalves
http://www.skymem.com/xdoc/document-2015-3-3t05-02-02-3131z- 42db806284f0469eb175c7556318039c [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] -
Tendencias En Medios De Pago 2015
Informe Tecnocom sobre TENDENCIAS EN MEDIOS DE PAGO 2015 Con la colaboración de Tecnocom es una multinacional española que cotiza en la Bolsa de Madrid desde 1987. En 2006, Tecnocom inició un proceso corporativo de expansión con el objetivo de llegar a ser líder en el mercado de la tecnología de la información español. Tecnocom es una de las cinco primeras empresas del sector de la tecnología de la información en España (alrededor de 400 millones de euros de ingresos) con una amplia experiencia en operaciones de elevado nivel tecnológico, como medios de pago bancarios o sistemas de automatización. Su presencia regional incluye España, Portugal, Estados Unidos y América Latina (Brasil, Chile, Colombia, Costa Rica, México, Perú y República Dominicana). Copyright © 2015 Telecomunicaciones y Energía, S.A. Todos los derechos reservados Tecnocom y su logo son marcas registradas por Telecomunicaciones y Energía, S.A. Diseño gráfico/maquetación: www.gcarrousel.com Informe Tecnocom sobre TENDENCIAS EN MEDIOS DE PAGO 2015 Informe Tecnocom sobre TENDENCIAS EN MEDIOS DE PAGO 2015 PRÓLOGOS / Tengo el gusto de presentarles la quinta edición del Informe NFC. Aunque todavía no existía una oferta concreta, ya se Tecnocom de Medios de Pago. Un año más hemos intenta- intuía una amenaza incierta proveniente de nuevos entran- do analizar las principales tendencias de los diferentes mer- tes digitales. Años después hemos podido comprobar que cados que cubrimos, con nuevos capítulos que pensamos empresas como Apple, Google o Samsung están irrumpien- ayudan a mantener el espíritu innovador con el que elabo- do con fuerza en el mundo de los pagos móviles, aunque ramos este documento. -
Developments in Banking and Financial Law: 2005
DEVELOPMENTS IN BANKING AND FINANCIAL LAW: 2005 I. BUSINESS BANKRUPTCIES........................................2 II. AIRLINE BANKRUPTCIES.........................................11 III. HEDGE FUND INDUSTRY .........................................21 IV. SARBANES-OXLEY ACT ...........................................32 V. GRAMM-LEACH-BLILEY ACT .................................42 VI. BASEL II........................................................................50 VII. DOMESTIC MERGERS & ACQUISITIONS...............71 VIII. INTERNATIONAL MERGERS & ACQUISITIONS...81 IX. NYSE MERGER AND IPO...........................................90 X. WAL-MART’S INDUSTRIAL LOAN COMPANY...101 XI. CONSUMER PRIVACY LAW ...................................109 XII. SECURITY WITH ONLINE BANKING....................118 XIII. COMBATING IDENTITY THEFT.............................127 XIV. ANTI-MONEY LAUNDERING .................................137 XV. GSE FRAUD................................................................146 XVI. DOMESTIC AND INTERNATIONAL TAXATION .155 XVII. KETRA: TAX RELIEF & HURRICANE KATRINA.166 XVIII. SECURITIES OFFERING REFORM .........................175 XIX. SOFT DOLLAR PRACTICES.....................................184 XX. INSIDER TRADING ...................................................195 XXI. ANTIFRAUD...............................................................205 XXII. FDIC.............................................................................215 XXIII. CORPORATE GOVERNANCE..................................224 2 ANNUAL REVIEW -
Santa Cruz Metropolitan Transit District (Before the Workers’ Compensation Appeals Board)
REVISED BOARD OF DIRECTORS REGULAR MEETING AGENDA OCTOBER 22, 2010 (Fourth Friday of Each Month) *SANTA CRUZ CITY COUNCIL CHAMBERS* *809 CENTER STREET* SANTA CRUZ, CALIFORNIA 9:00 a.m. – 12:00 noon NOTE: The Board of Directors meeting will be interrupted briefly at 10:00 a.m. in order to hold the annual meeting of the Santa Cruz Civic Improvement Corporation THE BOARD MEETING AGENDA PACKET CAN BE FOUND ONLINE AT WWW.SCMTD.COM OR AT SANTA CRUZ METRO’S ADMINISTRATIVE OFFICES LOCATED AT 110 VERNON STREET, SANTA CRUZ, CA NOTE: THE BOARD CHAIR MAY TAKE ITEMS OUT OF ORDER SECTION I: OPEN SESSION - 9:00 a.m. 1. ROLL CALL 2. ORAL AND WRITTEN COMMUNICATION TO THE BOARD OF DIRECTORS a. E/DTAC re: Service to County Fair 3. LABOR ORGANIZATION COMMUNICATIONS 4. ADDITIONAL DOCUMENTATION TO SUPPORT EXISTING AGENDA ITEMS CONSENT AGENDA 5-1. APPROVE PRELIMINARILY APPROVED CLAIMS FOR THE MONTH OF JULY 2010 5-2. CONSIDERATION OF TORT CLAIMS: REJECT THE CLAIM OF JESICA SIHAM FERNANDEZ, # 10-0031 5-3. ACCEPT AND FILE MAC AGENDA OF OCTOBER 20, 2010, AND MAC MINUTES OF JUNE 16, 2010 5-4. ACCEPT AND FILE PARACRUZ OPERATIONS STATUS REPORT FOR THE MONTH OF AUGUST 2010 5-5. ACCEPT AND FILE RIDERSHIP AND PERFORMANCE REPORT FOR AUGUST 2010 REVISED Board Meeting Agenda October 22, 2010 Page 2 5-6. ACCEPT AND FILE HIGHWAY 17 STATUS REPORT FOR AUGUST 2010 5-7. ACCEPT AND FILE UNIVERSITY OF CALIFORNIA, SANTA CRUZ MONTHLY SERVICE REPORT FOR AUGUST 2010 5-8. APPROVE REGULAR BOARD MEETING MINUTES OF SEPTEMBER 24, 2010 5-9. -
South Korea South Korea
UniGroup Worldwide – Global Road Warrior South Korea South Korea Country Facts The People Nationality Korean(s) Ethnic Composition Homogeneous (except for about 20,000 Chinese) Religious Composition Christian 26.3% - Protestant - 19.7% - Roman Catholic - 6.6% Buddhist 23.2% Other or unknown 1.3% None 49.3% Note: Not all figures equal exactly 100 percent as percentages are rounded to the nearest tenth. Languages Spoken Korean, English widely taught in junior high and high school. Education and Literacy Definition: age 15 and over can read and write Total population: 97.9% Male: 99.2% Female: 96.6% Labor Force Total: 23.77 million By occupation: Services 67.2% Industry 26.4% Agriculture 6.4% Land Mass Total 98,480 sq km (38,023 sq mi) Land 98,190 sq km (37,911 sq mi) Water 290 sq km (111 sq mi) Land Boundaries Total: 238 km (147 mi) Border countries: North Korea 238 km (147 mi) Coastline 2,413 km (1,499 mi) Maritime claim Territorial sea: 12 nm; between 3 nm and 12 nm in the Korea Strait Contiguous zone: 24 nm Copyright © 2008 World Trade Press. All Rights Reserved 1 UniGroup Worldwide – Global Road Warrior South Korea Exclusive economic zone: 200 nm Continental shelf: not specified Climate/Weather Temperate, with rainfall heavier in summer than winter. Terrain Mostly hills and mountains; wide coastal plains in west and south. Elevation extremes Lowest point: Sea of Japan 0 m Highest point: Halla San 1,950 m (6,397 ft) Natural Resources Coal, tungsten, graphite, molybdenum, lead, hydropower potential. Land use Arable land 16.58% Permanent crops 2.01% Other 81.41% Natural hazards Occasional typhoons bring high winds and floods; low-level seismic activity common in southwest. -
Relocation Investment Guide
Roatan Third Edition Roatan Roatan Relocation & Investment Guide Relocation ROATAN RELOCATION & INVESTMENT GUIDE & Envision swinging in a hammock for hours, taking long walks on white sandy beaches, having a marine park at your door step, and being surrounded by lush tropical rainforests. Essentially living the lifestyle most people only dare to dream of. This is what living and Investment investing offshore is all about. Where can you find such a tropical paradise? Well the secret is out, Guide Roatan is where this and so much more can be found. Located in the Bay Islands of Honduras and only a 2-hour direct flight from the USA, Roatan’s beautiful beaches, clear waters, diving, sailing, unique culture, friendly residents and affordable real estate are all factors which are attracting more and more people to this Caribbean paradise. Roatan is the dream location, where reality truly is better than the dream. The Roatan Relocation and Investment Guide will help you, with a wealth of relocation and investment chapters such as Moving to Roatan, Day to Day Living, Residency Require- ments, Real Estate Information, Building on Roatan, Getting to know Roatan, Renting & Investing in Rental Properties and Fun things to do in Roatan. Design, Layout & Maps by PhunkiMonkey Designs [email protected] Text; 2011 Third Edition Tortuga Digital, All Rights Reserved Maria Fiallos Maria Fiallos Congratulations for getting as far as reading this book. Now let us help take you on the next phase of your journey. Our sole mission at About Roatán Real Estate is to help you through this process. We are aware that you may have many questions about relocating overseas. -
Annual Report 2000
TELECOMMUNICATIONS INDUSTRY OMBUDSMAN INDUSTRY TELECOMMUNICATIONS Telecommunications Industry Ombudsman Annual Report 1999:2000 1999:2000 ANNUAL REPORT 1999:2000 ANNUAL Telecommunications Industry Ombudsman Ltd ACN 057 634 787 Telephone +61 3 8600 8700 Facsimile +61 3 8600 8797 Freecall™ 1800 062 058 Freefax™ 1800 630 614 TTY 1800 675 692 Translator & Interpreter Service 131 450 Website www.tio.com.au PO Box 276 Collins Street West, Melbourne Victoria 8007 Australia Level 15, 114 William Street, Melbourne Victoria 3000 Australia Telecommunications Industry Ombudsman Telecommunications Industry Ombudsman 3807 TIO 2000.xps 13/7/01 12:50 PM Page 1 Telecommunications Industry Ombudsman Annual Report Free, independent, just, informal and speedy resolution of complaints about telecommunications services. Contents 1999–2000 at a Glance 2 Statement from the Chairman of Council 4 Statement from the Chairman of the Board 6 Ombudsman’s Overview 8 TIO Operations 10 Membership 18 Complaint Handling 20 Telephone Service Investigation Issues 26 Internet Service Investigation Issues 39 Profile of Complainants 44 Guide to TIO Statistics 47 Glossary 49 TIO Members 51 Directors’ Report and Financial Statements 57 3807 TIO 2000.xps 13/7/01 12:50 PM Page 2 1999-2000 at a glance 1999-2000 at a glance Complaint Total contacts Complaint breakdown (’000) (percentage) numbers • 67,761 contacts 1994|95 received, a 5.2% increase over the 1995|96 previous year • Total contacts 1996|97 included 13,361 enquiries which did 1997|98 not constitute a complaint, leaving -
Iso 22000 Lead Assessor- Auditor, the Brs Recognized and Approved Course+3-Day Transition Venue
In collaboration with Next Step Business Education Ltd, University of Monterey, and Prinsp Mahir Sdn Bhd some of BRS GlobalNet Recognized Organizations QMS HACCP—FOOD SAFETY PROGRAMS ISO 22000 LEAD ASSESSOR- AUDITOR, THE BRS RECOGNIZED AND APPROVED COURSE+3-DAY TRANSITION VENUE NORTH AMERICA AND ASIA PACIFIC PROGRAM VENUES, ISO 22000 LEAD AUDITOR PROGRAM OUTLINE INSIDEINSIDE: This ISO 22000 lead assessorassessor---- • Conducting an effective Participants may opt for the OUTLINE OF 1 assessment-audit 3-day transition course for LEAD AUDITOR auditor workshop is designed to P R O G R A M individuals demonstrating take the participants through the • Leading an audit team L E A R N I N G 1 key activities involving effective that have successfully com- OBJECTIVES assessment-auditing for the food • Adding—Value pleted a QMS ISO 9000 Lead GLOBAL BENCH- 222 M A R K I N G Auditor course within 36 sector management system in • Understanding of the ABOUT THE LEAD 2 particularly ISO 22000. months. FACILITATOR global implications and PROGRAM VENUE 3 From the NASA initiatives passing effects of the Interna- Note 1: The training program tional Standard ISO BRS ISO 22000 3 onto the Conferences in Food Pro- is limit to 20 participant. LEAD AUDITOR- tection and Microbiological Crite- 22000 A S S E S S O R ria for Foods… through an interac- THIS COURSE 3 We discuss business as- Note 2: Development of BRS QUALIFIES tive case study approach partici- Y O U . pect introduced to link im- International Registration pants will learn effective practices Body programs is compatible C O U R S E 4 portance of managing risk CONTENTS for: with IAF (International Ac- AGAINST ISO contributing to the overall creditation Forum) signatory 2 2 0 0 0 • Identifying, evaluating and excellence to organizational bodies require- INFORMATION 444 analyzing an organization’s performance and discus- FOR PRICING ments. -
China's Banks in London
China’s banks in London He Ying with the assistance of John Adams CSFI Centre for the Study of Financial Innovation CSFI The Centre for the Study of Financial Innovation is a non-profit think-tank, established in 1993 to look at future developments in the international financial field – particularly from the point of view of practitioners. Its goals include identifying new areas of business, flagging areas of danger and provoking a debate about key financial issues. The Centre has no ideological brief, beyond a belief in open markets. Trustees Governing Council Sir Brian Pearse (Chairman) Sir Malcolm Williamson (Chairman) David Lascelles Sir David Bell Sir David Bell Geoffrey Bell Robin Monro-Davies Rudi Bogni Sir Malcolm Williamson Philip Brown Bill Dalton Staff Sir David Davies Director – Andrew Hilton Abdullah El-Kuwaiz Co-Director – Jane Fuller Prof Charles Goodhart Senior Fellow – David Lascelles John Heimann Programme Coordinator – Lisa Moyle John Hitchins Rene Karsenti Henry Kaufman Sir Andrew Large David Lascelles Robin Monro-Davies Rick Murray John Plender David Potter Mark Robson David Rule Sir Brian Williamson Peter Wilson-Smith Minos Zombanakis CSFI publications can be purchased through our website www.csfi.org or by calling the Centre on +44 (0) 20 7621 1056 Published by Centre for the Study of Financial Innovation (CSFI) Email: [email protected] Web: www.csfi.org ISBN: 978-0-9570895-8-7 Cover illustration: Nicolas Hoar Printed in the United Kingdom by Heron Dawson & Sawyer CSFI E-mail: [email protected] Web: www.csfi.org CSFI Contents 1. Background ................................................................................2 2. Current business of Chinese banks in the UK and Europe......