...Get the inside scoop on investment banking careers in the Asia Pacific region! Read this extended excerpt of the all-new Vault Career Guide to Investment Banking, Asia Pacific Edition and get the inside story on investment banking careers, including: • An inside look at corporate finance, sales & trading, research and other major functions at investment banks. • An oveview of equity and debt markets in the region • A discussion of industry trends and corporate culture in Asia Pacific • Days in the life of investment bankers in Asia Pacific This PDF is an excerpted version of the full 198-page guide To get the complete guide: • Purchase your own print or e-Book version of the guide. Go to www.Vault.com/Asia. • More than 900 universities and MBA programs worldwide subscribe to the Vault Online Library, providing more than 4.5 million students worldwide with access to Vault's guides and career information. Contact your career center today to ask about access to the Vault Online Career Library. ABOUT VAULT Founded in 1996, Vault is the leading global media company focused on careers. With offices in North America, Europe, India and Asia, Vault provides graduates and young professionals worldwide with insider information on careers and education through its award-winning web sites and career guides. CAR E E RS VAU LT CA R E E R G U I D E TO INVESTMENT BAN KING A S I A P A C I F I C E D I T I O N INVESTMENT BANKING JUNG B. LEE, TOM LOTT ...
Words: 10918 - Pages: 44
...Explain how and why children’s play changes over the first six years of life. Include examples to support your explanation. To begin this essay, I have asked myself ‘what is play?’ The Oxford English Dictionary cites many definitions for the word ‘play’. One can watch a play, play truant, play up, play football, play cards or play an instrument. Child development theorists have published a great many works on play and its impact on child development. Hutt et al (1989) (as quoted in Wood & Attfield (2005)) argued that play is “a jumbo category that encompasses a multiplicity of activities, some of which are conducive to learning, but many of which are not.” Wood & Attfield (2005) wrote that “play involves a wide range of behaviours, have multiple meanings for both children and adults and can be regarded as serious or trivial. It can be highly motivated or just plain messing about”. Moyles (2005) believed play to be “… a process which, in itself, will subsume a range of behaviours, motivations, opportunities, practices, skills and understandings …” For the purposes of this essay, I am focussing on the enjoyable activities which children undertake freely and spontaneously, alone or with their peers which brings pleasure, fulfilment and development. I will endeavour to explain how play is important to the holistic development of the young child and also how and why play changes during the first six years of his/her life. So what does play look like? Given the various...
Words: 1974 - Pages: 8
...Question 1(i) There are a couple of reasons why companies extend the economic life of their assets and change its residual life. Consideration like physical or economic life, corporate strategy, planned uses, expected technological changes all have influence over such decision. In the case for Delta Air Lines, the factors that lead to the extension of the economic live of their flight equipment and the change in the residual values can be attributed to corporate strategy, and technological change. In the earlier years, passenger planes were powered by piston engines. Piston engine powered aircraft are more susceptible to more wear and tear due to destructive vibration. Companies in the airline industry use ten years as the economic life of planes for their depreciation policy. As technology improves, planes evolved from piston engine powered to turbofan powered. Turbofan engines offers less wear and tear to the airframes of the plane, and their physical life was also longer. Planes became more efficient, and are able to operate for a longer period of time, and that was one of the reasons why Delta Air Lines extended its economic life and changed the residual values of its aircraft. Other factors could be due to corporate strategy and the pressure from the emerging discount airline that influences the company decision to change its economic life and residual value to reflect a more positive bottom line. In 2007, Delta Air Lines has just emerged from bankruptcy and the pressure...
Words: 1017 - Pages: 5
...session, a detailed financial plan is prepared which documents your current situation, identifies all areas that will be impacted, and makes specific goal-oriented recommendations. Recognizing our ever-changing tax environment, we also work to assure that you are positioned in the most effective manner relative to your personal tax situation. Each recommendation in our analysis is then thoroughly reviewed with you to confirm your understanding and support of each recommendation. If desired, we actively assist in the full implementation of every plan recommendation in conjunction with the other members of your financial advisory team. The following example is a combination of two actual cases that were completed during the 2002 calendar year. The following example provides a realistic example of some of the benefits that a financial plan can provide. Marke & Cher Daler In many financial planning cases, there are one or more variables that have a substantial impact on the results of the analyses. Sometimes these variables are unknown at the...
Words: 6602 - Pages: 27
...blackberries are picked out of the bushes. The speaker describes how the once vivid fruits ferment and eventually rot, which makes him very miserable because he would pick blackberries every year knowing that they would perish. Through the detailed descriptions of the blackberries and the simple act of picking them the poem reflects on the course of life and the inevitable passage of it, from a joyful childhood and youth to a devastating senescence giving it the theme of justice of life. In Seamus Heaney “Blackberry-Picking” the author compares the plain act of picking blackberries to the unstoppable cycle of life. The whole poem is an extended metaphor that compares the act of picking blackberries to the process of life. The poem is composed of two uneven stanzas in which the first one, which is the longer one, is used to reflect the best years of one’s life, the early years when everything is amusing and stunning. The poet includes imagery in the first stanza to aid in the understanding of these beautiful years of life by using very descriptive and detailed sentences to express the speaker’s thoughts toward the tasteful fruit, “You ate the first one and its flesh was sweet”. The shorter stanza is a metaphor for the “golden” years, which the speaker refers to them as the most awful years of life. The structure of the sentences in this stanza is very different from the...
Words: 547 - Pages: 3
...RM100 million, whichever occurs first. PLAN DESCRIPTIONS 1. This is a limited pay Endowment plan with participation in profits. st 2. Survival Benefits are payable every 6 months starting from the end of the 1 policy year. 3. Term of Assurance and Premium Payment Term offered. Term of Assurance 20 years 25 years Premium Payment Term 5 years PLAN BENEFITS 1. Death Benefit Upon death of the Life Assured, the Company will pay (a) sum assured at time of death; (b) accumulated survival benefit (if any); (c) any cash bonus (including accumulated cash bonus, if any); and (d) terminal bonus on death (if any); in one lump sum. In the event of death of the Life Assured occurring before age 5 years next birthday, a child lien as follows shall apply: Age Next Birthday on Policy Sum Assured at Time of Death Anniversary Preceding Death 1 20% of sum assured 2 40% of sum assured 3 60% of sum assured 4 80% of sum assured Note: Sum assured is defined as basic sum assured + additional sum assured (if any) 2. Additional Sum Assured An additional sum assured will be payable upon occurrence of the following event: (a) Death of the Life Assured; or (b) TPD of the Life Assured prior to the age of 65 years next birthday; or (c) Maturity of the policy; whichever occurs first. Additional Sum Assured Policy Year (as a % of the Basic Sum Assured) st 1 Policy Year Nil nd 2 Policy Year 12.5% rd 3 Policy Year 25.0% th 4 Policy Year 37.5% th 5 Policy Year 50.0% th 6 Policy Year until maturity 60.0% CFE/Agent...
Words: 3784 - Pages: 16
...JMEMORIES!!!! It's My Last Year...! Happy but sad, afraid but excited!!! I keep on feeling this, I have mixed emotions regarding this matter- I'M AT MY LAST YEAR OF HIGH SCHOOL...!!! I don't know what to feel, I can see by now what is going to happen, it's really an odd feeling bidding your classmates,your teachers and alma mater. It seems like yesterday when I first lay my feet in this institution, but four years seems to be so fast. Now, we SENIORS will say GOODBYE to high school and HELLO to college life...,no more happy trips with ''barkadas'', no more cheats during exam, no more silly sharing of the latest ''chismis'' or ''blind item'' or those funny, scary, and even sweet and lovestories, no more campings, no more playing our favorite game..''Paltok bola'', no more easy go lucky, no more TGIF or the so called ''Thanks God It's Friday''!, Coz' everything will be serious,.. I'm sure we will be thinking only about our future, our job and about our own self-development. Though we're all going to pass this stage, we will surely never forget our highschool life, our first crushes, our first time to copy the assignments and seat works of our seatmates, our first time to know the essence of cooperation during contests,group activities and even at the quizzes..(hehehe), our first time to dance a ballroom one, our first time to cut classes, and also our first time to cry because of LQ's and failing grades., and lastly, my first time to join an A1 Child...
Words: 569 - Pages: 3
...misfortune. The first insurance company, in its present concept, to operate here was Lloyd’s of London, which in March 1829 appointed Stracham, Murray & Co. to be its local agent to represent here, in which during this time is the Spanish Era. But in 1898, life insurance was introduced in the country; Sun Life Assurance of Canada first enter and began selling life insurance in the local insurance market of the country. The Philippines got its first purely domestic insurers in the beginning of the 20th century. The first domestic non-life insurance company was the Yek Tong Lin Fire & Marine Insurance Company (today Philippine First Insurance Company) established in 1906. Four years later, 1910, the first domestic life insurance company, the Insular Life Assurance Co., Ltd., was locally-owned and organized. And in 1936, Social insurance was established with the enactment of Commonwealth Act no. 186 which created the Government Service Insurance System (GSIS) which started operations in 1937. The Act covers gov’t employees. But when Union Insurance Society of Canton appointed Russel & Surgis as its agent in Manila in the year 1939, the business transacted the Philippines was then limited to non-life insurance. In 1949, government agency was formed to handle insurance affairs, where the Insular Treasurer was appointed commissioner ex-officio. And the next year, 1950, reinsurance was introduced by the Reinsurance Company of the Orient when it wrote treaties for both life and non-...
Words: 479 - Pages: 2
...My Life: Then and Now Keri Smith PSY 202 Armando Perez Outline Introduction My Younger Years My Birthday School Days Family Life Triumphs and Tragedies Mother Nature Relocation New Beginnings Thesis: My life has been nothing but a world wind of triumphs and tragedies, tears and sorrow. But through it all it has taught me a whole lot about being patient and being the woman I am now. My Life: Then and Now My life has been nothing but a world wind of triumphs and tragedies, tears and sorrow. But through it all it has taught me a whole lot about being patient and being the woman I am now.If you would have asked me a few years ago if I would be enrolled in college, I probably would have told you no. I never thought I would be in college because I thought that I would be wasting my time. I didn’t have a clue what career path I would take. Many people tried to encourage me but I just wasn’t at that place. My life has been a whirl wind of heartache and sorrow, and it has taught me a whole lot. The reason for me writing this paper is to unravel my journey called life. On a hot summer evening in August I made my arrival into the world. My mom told me when I came into the world with something to prove. It was not easy trying to prove it either. I came into the world at nine pounds even. During my first few days of life, I endured many eye examinations. At the age of seven months I was given my first pair of glasses. Before I made five years old I had endured five eye surgeries...
Words: 1568 - Pages: 7
...My 4th year High School Life, Different from Others Alyssa Bea Tanda, IV-Br. Flavius High school life is really fun. There are so many happenings in your life that you will never forget, so many things that had changed your life. For me there are many things in my life that changed a lot in me but I can say that the one that had changed me the most is my being a 4th year high school student. I don’t know why, but I really learned a lot in this part of my life. There are also some good effects of me being a 1st, 2nd, and 3rd year high school student, but being a fourth year student is really different. It’s different from my other past experiences. The first day of 4th year came and I found out that my section is Br. Flavius, wherein my classmates were also my classmates when I was in 3rd year. At first I had thought of transferring to other section, because I want something new and I want to have new friends with other people. But then I had a realization that I can’t afford to be away from my friends. I also thought that it is God’s will that I am part of that section, so there is a purpose why I belong here. One of the main reasons why I decided not to transfer to other section is because I learned that the adviser of our section is Mr. Joseph Consignado. Even when I was still on the lower years, I already know his name. Many people say that he is one of the best advisers of the high school department. Every section that he handled was always known to be one of the best...
Words: 1018 - Pages: 5
...CLAIMANT’S STATEMENT (TO BE COMPLETED BY FAMILY MEMBER) LIFE SECTION A: DETAILS OF THE PERSON SUBMITTING THIS CLAIM Title Tel no: Home Postal address Code Email address Capacity in which you are submitting the claim: Relationship of claimant to the deceased SECTION B: DECEASED DETAILS Details of the deceased: Title Identity number Last residential address Code Last occupation Number of each policy with Nedgroup Life under which you are claiming. Policy number: Insurance with other companies: Name of company Policy Number Amount Date issued Surname First names Beneficiary Executor Other Surname Business First names Cell Date and time of death: Place of death: Postal address of hospital (if applicable): Cause of death: Natural Unnatural Please describe the actual cause of death: When did the health of the deceased first begin to be affected? (ddmmyyyy) When did the deceased first consult a doctor for his illness? (ddmmyyyy) Name and address of every doctor who attended the deceased during his last illness and during the five years preceding his death: Name and address Disease or condition Date of attendance Date of funeral Name of funeral parlour Tel no of funeral parlour Name of deceased’s employer at date of death: Name of deceased’s medical aid at date of death: Medical aid membership number: Have you any knowledge of any cession or other lien on the contract? If so, please give details: Directors: D Macready (Chairman) RL Blumeris (Managing Director) AD...
Words: 992 - Pages: 4
...State Life Insurance Company. History NATIONALIZATION OF LIFE INSURANCE The life insurance business in Pakistan was nationalized under a Presidential Order on 19th March 1972. It was executed in two stages. In the first stage which covered the period 19th March to 31 October 1972, the management of 32 life insurance companies were taken over by the government. Trustees and sub-trustees were appointed by the Government to takeover different companies and to co-ordinate and guide their activities. The Government constituted Life Insurance Management Board (LIMB). The Board’s term included the task of recommending a permanent set up of life insurance within the framework of nationalization. The Board recommended establishing a single corporation with three units The second phase of nationalization started by establishment of Single Corporation called State Life Insurance Corporation of Pakistan with 3 Units called A, B, and C operating throughout Pakistan and competing with one another. On 1st October 1975, the 3 Units merged and different Zones were created. Initially there were five Zones with their Zonal offices at Karachi, Hyderabad, Lahore, Rawalpindi and Peshawar. The figure has increased to 26 Zones under four different Regions, South, Central, North and Multan headed by very competent Executives. By the Grace of Allah the Almighty, State Life has made steady progress in all fields of its operations. The future is even brighter as the Corporation is making very positive...
Words: 2628 - Pages: 11
...The Life Insurance Corporation of India was established in 1956 when the Parliament of India passed the Life Insurance of India Act that nationalized the private protection industry in India. More than 245 insurance agencies and provident social orders were converged to make the state possessed Life Insurance Corporation. Brief History of Insurance The narrative of protection is likely as old as the tale of humanity. The same nature that prompts present day agents today to secure themselves against loss and disaster existed in primitive men too. They excessively looked for, making it impossible to turn away the underhanded results of flood and loss and death toll and were willing to make some kind of penance so as to accomplish security. In...
Words: 1266 - Pages: 6
...presents Annual Predictions 2014 As we inch toward the new year, our favourite astrologers at GaneshaSpeaks.com give you a little sneak peek into what you can expect in 2014. By yahooindia | GaneshaSpeaks.com – Tue 10 Dec, 2013 4:41 PM IST Aries ( 21st March to 20th April ) The year 2014 begins on a positive note for you, and you can be sure of being in an enthusiastic, raring-to-go mode, as the year begins. However, it is still advisable that you go slow. Avoid being impulsive, since there is a possibility of you committing an error of judgement. As far as your love life is concerned, uncertainty and tentativeness may continue to prevail, for most part of the year ahead. In fact, according to Ganesha, love matters may actually become a cause of concern for you. Beware! For this may also cause resultant ripples in your professional life - leaving you clueless or confused. On your career front, there will be some definite movements - which may also mean a new assignment, a change that will be, most likely, pleasant. Ganesha also predicts that your career may take a specially positive turn, during the last few months of the year 2014. Financially, you may face problems during 2014, especially as there may be some issues regarding the balance between inflow and outflow of cash. Cut down unnecessary expenditure! Taurus ( 21st April to 21st May ) Opportunities and challenges are a part and parcel of life. This year, you need to be ready to tackle them both with full and equal...
Words: 2266 - Pages: 10
...Health service organization m | Assignment 1 | By Nikunjkumar G Patel | | Instructor Dr. David Tataw | 7/17/2011 | | Question: Explain how health is affected by behaviors, economics, and social structure. Behaviors, economics and social structure have great impact on human health. Health behavior specially consist of those behavior that people engaged in well order to maintain health and prevent disease. When people notice the symptoms of illness in themselves and other is called as illness behavior. When people consulted to a physician and receive a diagnosis and begun course treatment this time some sick roll behavior occurs to the patient. When acute disease convert to chronic illness this time the behavior of the patient change. These are the behavior related to the health condition now these behaviors go beyond to social and cultural level. Patient behavior significantly impact to the other family members, friends and other employees related to him. Sometimes behavior of health care provider also impact sometimes organization where patient treatment occur like hospitals and clinic, professional societies, regulatory agencies and insurance carriers all playing active role. Economic also plying great roll because of load of work and other factors person become ill and now when a person get ill they have to think about do they have insurance to pay the bill? Doctors fee, and all these tighten the belt of their budget of their illness. And...
Words: 1219 - Pages: 5
