A bill in the Texas legislature would allow concealed carry permit holders to bring handguns onto university campuses, including dormitories. Currently, permit holders can only bring guns onto campus grounds. Similar bills are being considered in other states. While opinions on both sides are strong, most discussions spend little time on facts about concealed carry laws and campus crime statistics. Several states allow universities to set their own concealed carry policies, and a few universities currently allow concealed handguns with no reports of gun violence. However, most Texans oppose removing restrictions on college campuses.
The document contains the schedule for February 25th and 26th, 2011 for the Futbol Base Club Deportivo Catarroja youth teams. It lists the team name, match number, opponent, date, time, location, and meeting instructions for each match. Age groups scheduled include females, juveniles, infants, cadets, benjamins, alevins, pre-benjamins, and querubins.
Las redes sociales son sitios web que permiten a las personas conectarse con amigos y hacer nuevas amistades de manera virtual. Se originaron en 1995 con el sitio Classmates.com y su popularidad creci坦 r叩pidamente con la aparici坦n de sitios como Facebook, Twitter y MySpace en la d辿cada de 2000. Las redes sociales m叩s populares son Facebook, Twitter, MySpace, Orkut y Hi5.
El documento presenta un esquema sobre el estudio de la lengua, incluyendo diferentes elementos como la lectura, expresi坦n escrita y oral, comprensi坦n, vocabulario, ortograf鱈a y gram叩tica. El esquema tambi辿n cubre conceptos como el estilo directo e indirecto, juegos ling端鱈sticos, palabras hom坦fonas y el sustantivo.
Vaibhav Gupta has over 3.9 years of experience in financial research and analysis. He has worked as a research analyst at CRISIL supporting clients at BofAML and Credit Suisse. His responsibilities included analyzing companies' financials and market conditions to write reports, make investment recommendations, and advise clients. He has strong quantitative and communication skills as well as proficiency in financial research tools like Bloomberg and expertise in Excel, PowerPoint, and financial modeling. He holds a PGDM degree from the National Institute of Industrial Engineering and a B.Com from Sri Bhagawan Mahaveer Jain College.
O documento apresenta programas do governo brasileiro para promover a inclus達o digital, incluindo o Casa Brasil, Centros de Inclus達o Digital, Computador para Todos e CVT - Centros Vocacionais Tecnol坦gicos, al辿m do Gesac - Governo Eletr担nico Servi巽o de Atendimento ao Cidad達o. O documento 辿 apresentado por Cr鱈stian Rog辿rio Guidotti Aguiar.
IFC-NIESBUD PROGRAM FOR ADVANCING CAPACITY OF TRAINERSIamSMEofIndia
油
The document outlines an internationally acclaimed Training of Trainers program organized by Niesbud in Noida from November 2-5, 2015, aimed at developing the skills and competencies of trainers. The program is suitable for trainers involved in adult learning, HR professionals, and aspiring training professionals, with a registration fee of Rs. 25,000 and a 10% early bird discount available until October 29, 2015. Interested participants must submit their applications by October 30, 2015, along with the prescribed fee.
Alan's is a popular bakery and deli with 10 locations in the Atlanta area. It wants to create an email program to encourage repeat business and stay in contact with customers. This includes sending menu specials, catering reminders, and event invites. Alan's needs an easy-to-use email service with templates, analytics, and segmentation abilities. After analyzing Constant Contact and MailChimp based on features, price, reporting, interface, and reviews, MailChimp is recommended as it meets more of Alan's needs.
The document summarizes the evolution of Muslim society in the Indian subcontinent in three phases:
1) Early Muslim traders arrived and settled along the Malabar coast, establishing the beginnings of Indo-Muslim civilization.
2) Muhammad bin Qasim led conquests from Sindh to Multan under Hajjaj bin Yusuf, establishing the first land link between India and other Muslim areas.
3) From the 11th to 16th centuries, Muslims continued arriving from Central Asia during the Ghaznavid period, with the Delhi Sultanate dominated by Turkic-Afghan elements and the Mughal Empire bringing more Persian-Khurasani influences and promoting integration with native Indian society
El documento describe el origen y la historia del correo electr坦nico, as鱈 como algunos de los principales problemas asociados con su uso, como el correo no deseado, los bulos y las cadenas de correo. Tambi辿n menciona algunos de los proveedores m叩s populares de correo electr坦nico como Gmail, Outlook y Yahoo Mail.
El documento describe el sistema circulatorio humano, incluyendo la estructura y funci坦n del coraz坦n, los vasos sangu鱈neos como las arterias, venas y capilares, y el flujo de la sangre a trav辿s del cuerpo. Tambi辿n discute las enfermedades cardiovasculares como las cong辿nitas y adquiridas, los s鱈ntomas comunes, y factores de riesgo como el tabaco y la falta de actividad f鱈sica. Finalmente, ofrece recomendaciones para prevenir enfermedades cardiovasculares como adoptar una dieta saludable y hacer ej
Este documento describe los procesos de digesti坦n en diferentes animales. Explica que la digesti坦n puede ser intracelular o extracelular y detalla las etapas de la digesti坦n extracelular. Tambi辿n cubre las caracter鱈sticas del sistema digestivo de invertebrados como esponjas e insectos, y de vertebrados como peces, anfibios, reptiles, aves y mam鱈feros. Por 炭ltimo, menciona algunas enfermedades relacionadas con la digesti坦n como la gastritis, la hepatitis y el c叩ncer de est坦mago.
This document discusses leadership and innovation. It provides examples of leadership qualities like integrity, building consensus, effective communication and valuing customers. It also discusses three strategies for innovation: need seekers, market readers and technology drivers. Examples are given of innovative companies like Apple, Avon, Toyota and Facebook. Throughout the document, quotes emphasize the importance of leadership courage and determination for enabling innovation.
This document provides general information on the Philippine rice crop insurance program. It outlines the objectives, scope of coverage, premium rates, eligibility requirements, claims process, and other key aspects of the program. The program aims to protect rice farmers from losses due to natural disasters and pests/diseases. It offers multi-risk and natural disaster coverage, with premiums shared by farmers, lending institutions, and the government. Eligible farmers can file claims within 45 days of losses and receive compensation based on cultivation stage and yield loss percentage.
The Loan Repayment Protection Plan (LRP2) provides insurance protection that guarantees payment of approved agricultural loans upon the death or total permanent disability of insured borrowers. It covers loans up to PHP500,000 with premium rates from 0.375% to 1.5% depending on loan term. Benefits pay the full loan amount upon death or disability. Claim documents must be filed within 90 days and will be settled within 30 days of receipt. Excluded risks include war, suicide, driving under influence, and illegal acts.
This document provides information on the livestock mortality insurance program offered by the Philippine Crop Insurance Corporation (PCIC). It covers various types of livestock including cattle, carabao, horses, swine, goats, sheep, poultry and game animals. The document outlines the types of insurance covers available, eligibility requirements, insurable ages of animals, sums insured and premium rates, covered and excluded risks, application procedures, and claims processes. Key details include commercial and non-commercial mortality covers, age and herd size limits for insurability, disease-specific premium surcharges, deductibles of 10-30% of sum insured, and a 10-day period to report losses.
This document provides a summary of the Philippines' high-value commercial crop insurance program. It outlines that the program insures standing crops against risks like typhoon, flood, drought and disease. Premiums range from 2-7% of the total insured value. Eligible crops include banana, coconut, coffee and other high-value crops. Farmers must file a notice of loss within 10 days of an event and a claim for indemnity within 30 days to receive compensation based on production costs and yield loss. The goal is to provide insurance protection to large-scale commercial farmers.
This document provides information on the corn crop insurance program in the Philippines, including:
- The object of insurance is standing corn crops on specified farmland. Insurance covers production costs and up to 20% of expected yield.
- Coverage is from planting to harvest. Premium rates vary by region, season, and risk classification. Premiums are shared by farmers, lending institutions, and the government.
- Covered risks include natural disasters, diseases, and major pests. Excluded risks are fire, theft, war, negligence, and losses before/after specified periods. Eligible farms must meet criteria on location, irrigation, transportation access, and use of recommended technologies.
This document provides general information on the Philippine corn crop insurance program. It outlines the objectives, scope of coverage, premium rates, eligibility requirements, covered risks and losses, claims process, and other key details of the program. The program aims to protect borrowing and self-financed farmers against losses from various natural disasters and pest/disease risks. Premiums are shared between farmers, lending institutions, and the government. Eligible farmers can purchase multi-risk or natural disaster coverage. The claims process involves notice of loss, verification of claims, and settlement within 60 days of submitting complete documents.
O documento apresenta programas do governo brasileiro para promover a inclus達o digital, incluindo o Casa Brasil, Centros de Inclus達o Digital, Computador para Todos e CVT - Centros Vocacionais Tecnol坦gicos, al辿m do Gesac - Governo Eletr担nico Servi巽o de Atendimento ao Cidad達o. O documento 辿 apresentado por Cr鱈stian Rog辿rio Guidotti Aguiar.
IFC-NIESBUD PROGRAM FOR ADVANCING CAPACITY OF TRAINERSIamSMEofIndia
油
The document outlines an internationally acclaimed Training of Trainers program organized by Niesbud in Noida from November 2-5, 2015, aimed at developing the skills and competencies of trainers. The program is suitable for trainers involved in adult learning, HR professionals, and aspiring training professionals, with a registration fee of Rs. 25,000 and a 10% early bird discount available until October 29, 2015. Interested participants must submit their applications by October 30, 2015, along with the prescribed fee.
Alan's is a popular bakery and deli with 10 locations in the Atlanta area. It wants to create an email program to encourage repeat business and stay in contact with customers. This includes sending menu specials, catering reminders, and event invites. Alan's needs an easy-to-use email service with templates, analytics, and segmentation abilities. After analyzing Constant Contact and MailChimp based on features, price, reporting, interface, and reviews, MailChimp is recommended as it meets more of Alan's needs.
The document summarizes the evolution of Muslim society in the Indian subcontinent in three phases:
1) Early Muslim traders arrived and settled along the Malabar coast, establishing the beginnings of Indo-Muslim civilization.
2) Muhammad bin Qasim led conquests from Sindh to Multan under Hajjaj bin Yusuf, establishing the first land link between India and other Muslim areas.
3) From the 11th to 16th centuries, Muslims continued arriving from Central Asia during the Ghaznavid period, with the Delhi Sultanate dominated by Turkic-Afghan elements and the Mughal Empire bringing more Persian-Khurasani influences and promoting integration with native Indian society
El documento describe el origen y la historia del correo electr坦nico, as鱈 como algunos de los principales problemas asociados con su uso, como el correo no deseado, los bulos y las cadenas de correo. Tambi辿n menciona algunos de los proveedores m叩s populares de correo electr坦nico como Gmail, Outlook y Yahoo Mail.
El documento describe el sistema circulatorio humano, incluyendo la estructura y funci坦n del coraz坦n, los vasos sangu鱈neos como las arterias, venas y capilares, y el flujo de la sangre a trav辿s del cuerpo. Tambi辿n discute las enfermedades cardiovasculares como las cong辿nitas y adquiridas, los s鱈ntomas comunes, y factores de riesgo como el tabaco y la falta de actividad f鱈sica. Finalmente, ofrece recomendaciones para prevenir enfermedades cardiovasculares como adoptar una dieta saludable y hacer ej
Este documento describe los procesos de digesti坦n en diferentes animales. Explica que la digesti坦n puede ser intracelular o extracelular y detalla las etapas de la digesti坦n extracelular. Tambi辿n cubre las caracter鱈sticas del sistema digestivo de invertebrados como esponjas e insectos, y de vertebrados como peces, anfibios, reptiles, aves y mam鱈feros. Por 炭ltimo, menciona algunas enfermedades relacionadas con la digesti坦n como la gastritis, la hepatitis y el c叩ncer de est坦mago.
This document discusses leadership and innovation. It provides examples of leadership qualities like integrity, building consensus, effective communication and valuing customers. It also discusses three strategies for innovation: need seekers, market readers and technology drivers. Examples are given of innovative companies like Apple, Avon, Toyota and Facebook. Throughout the document, quotes emphasize the importance of leadership courage and determination for enabling innovation.
This document provides general information on the Philippine rice crop insurance program. It outlines the objectives, scope of coverage, premium rates, eligibility requirements, claims process, and other key aspects of the program. The program aims to protect rice farmers from losses due to natural disasters and pests/diseases. It offers multi-risk and natural disaster coverage, with premiums shared by farmers, lending institutions, and the government. Eligible farmers can file claims within 45 days of losses and receive compensation based on cultivation stage and yield loss percentage.
The Loan Repayment Protection Plan (LRP2) provides insurance protection that guarantees payment of approved agricultural loans upon the death or total permanent disability of insured borrowers. It covers loans up to PHP500,000 with premium rates from 0.375% to 1.5% depending on loan term. Benefits pay the full loan amount upon death or disability. Claim documents must be filed within 90 days and will be settled within 30 days of receipt. Excluded risks include war, suicide, driving under influence, and illegal acts.
This document provides information on the livestock mortality insurance program offered by the Philippine Crop Insurance Corporation (PCIC). It covers various types of livestock including cattle, carabao, horses, swine, goats, sheep, poultry and game animals. The document outlines the types of insurance covers available, eligibility requirements, insurable ages of animals, sums insured and premium rates, covered and excluded risks, application procedures, and claims processes. Key details include commercial and non-commercial mortality covers, age and herd size limits for insurability, disease-specific premium surcharges, deductibles of 10-30% of sum insured, and a 10-day period to report losses.
This document provides a summary of the Philippines' high-value commercial crop insurance program. It outlines that the program insures standing crops against risks like typhoon, flood, drought and disease. Premiums range from 2-7% of the total insured value. Eligible crops include banana, coconut, coffee and other high-value crops. Farmers must file a notice of loss within 10 days of an event and a claim for indemnity within 30 days to receive compensation based on production costs and yield loss. The goal is to provide insurance protection to large-scale commercial farmers.
This document provides information on the corn crop insurance program in the Philippines, including:
- The object of insurance is standing corn crops on specified farmland. Insurance covers production costs and up to 20% of expected yield.
- Coverage is from planting to harvest. Premium rates vary by region, season, and risk classification. Premiums are shared by farmers, lending institutions, and the government.
- Covered risks include natural disasters, diseases, and major pests. Excluded risks are fire, theft, war, negligence, and losses before/after specified periods. Eligible farms must meet criteria on location, irrigation, transportation access, and use of recommended technologies.
This document provides general information on the Philippine corn crop insurance program. It outlines the objectives, scope of coverage, premium rates, eligibility requirements, covered risks and losses, claims process, and other key details of the program. The program aims to protect borrowing and self-financed farmers against losses from various natural disasters and pest/disease risks. Premiums are shared between farmers, lending institutions, and the government. Eligible farmers can purchase multi-risk or natural disaster coverage. The claims process involves notice of loss, verification of claims, and settlement within 60 days of submitting complete documents.
The Agricultural Producers Protection Plan (AP3) provides life insurance coverage for agricultural producers, fisherfolk, and other stakeholders between 15-70 years old. AP3 covers death from accidents, natural causes, and murder/assault. Premiums and coverage amounts vary based on the insured's age and whether they have an individual or group policy. The document outlines eligibility requirements, coverage periods, exclusions, benefits, claims procedures, and other policy details.
The document provides information on the Accident and Dismemberment Security Scheme (ADSS) offered by the Philippine Crop Insurance Corporation (PCIC). Key details include:
- It provides insurance protection against death or dismemberment due to accidents for agricultural producers, fisherfolk, and other stakeholders aged 15-70.
- Coverage amounts range from PHP15,000-100,000 for individuals and PHP50,000-105,000 for families. Premiums are 0.1-0.5% of the principal sum.
- Benefits include the principal sum in case of death and 50-100% of the principal sum for various types of dismemberment. Additional medical and burial benefits are
The document summarizes the various crop and livestock insurance programs offered by the Philippine Crop Insurance Corporation (PCIC) to support the social contract of Philippine President Benigno Aquino. It provides details on PCIC's legal basis and mandate to provide insurance protection to agricultural producers against losses from natural disasters, pests and diseases. It then describes the specific insurance programs for rice and corn crops, high-value commercial crops, livestock, non-crop assets, fisheries, and term insurance programs. Premium rates are also outlined for some of the insurance types.
The document outlines the procedures undertaken by Mallig Plains Rural Bank to establish a micro-insurance initiative, including attending trainings, receiving approvals from regulatory bodies, and amending their articles of incorporation. Some benefits of the initiative for the bank and its clients include increased outreach, loan portfolio, and deposits for the bank, and risk protection and protection of livelihoods for clients. Challenges mentioned include regulatory changes, training costs, and ensuring affordable and viable micro-insurance products.
The document summarizes LBP programs and services for countryside financial institutions. It outlines LBP's credit assistance to CFIs including data on number and volume of loans to rural banks, thrift banks, and cooperative banks. It then describes the Grassroots Development Program which provides credit and technical assistance to CFIs and MFIs to expand financial services in unserved rural areas. Eligibility criteria for CFIs and partners are provided. Available LBP credit programs, capital enhancement programs, and other services for CFIs are also summarized.
This document summarizes the Philippines' ATM market from 2001 to 2011. It shows the growth in card holders and ATMs over time, as well as the card holder to ATM ratio. Globally, an optimal ratio is around 2,000, while the Philippines' ratio is currently higher at 3,256. Maintaining small ATM networks of 50 to 400 ATMs can be costly, with monthly costs exceeding revenues. Large banks have acquired the most transactions through BancNet and MegaLink networks. ENCASH, a company providing ATMs in remote areas, has received investments to help scale its business and provide more access to financial services for rural communities.
Philpass for rbap annual convention 25 may 2012RBAPAT54
油
This document provides an overview of the Philippine Payments System. It discusses the key components of the National Payments System framework, including financial institutions, payments infrastructure, laws and standards. It then describes the specific payments infrastructure of the Philippines, called PhilPaSS, and how rural banks can participate. Rural banks that join PhilPaSS gain benefits like facilitating reserves, remittances and funds transfers. The document outlines the requirements and process for rural banks to become PhilPaSS members through the PhilPaSS Roving Team. It also explains how the PhilPaSS REMIT system works for overseas and domestic remittances through same-day settlement.
Rbap mabs update & future trends for rural banks to considerRBAPAT54
油
This document summarizes the key initiatives and trends in microfinance for rural banks in the Philippines as reported by RBAP-MABS in April 2012. It notes that over 1 million new borrowers have benefited from over 42 billion pesos in loans disbursed to over 1.45 million micro-depositors. It also outlines factors affecting rural banks, opportunities in new technologies and channels, and recommendations for rural banks to approach customers, present solutions, and adopt new technologies to expand outreach and remain competitive.
The RBAP President's Report summarizes the organization's activities and accomplishments in 2011-2012, including: launching regular meetings with the Philippine Deposit Insurance Corporation to advance rural banking programs; approving amendments to allow foreign equity in rural banks; signing a memorandum of agreement with the Philippine Crop Insurance Commission to promote insurance products for farmers; and donating funds to restore the Batad Rice Terraces.