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ICSPA virus removal guide
ICSPA Virus displays a message on the screen of the infected computer saying that you have been using and distributing copyrighted content and this way violated the law of your country. At last you are asked to pay a fine which varies from 100 to 300 euros or dollars most of the time and depending on which country the badware is attacking.
The purpose of ICSPA virus is to get money from computer users by accusing them for violating the law. Again depending on which country you live in, it asks to pay a fine using Ukash, Paysafecard or Moneypak payment systems. You should ignore these accusation and never pay anything what it tells you. No law authority would use such methods to announce about your faults and they would never collect fines using pre-paid cards.
Pakistan Insurance Report Q1 2015 - New Report Available
ReleaseWire |
Pakistan is undoubtedly one of the most challenging insurance markets of the many that BMI monitors on a regular basis. The life segment is constrained by the (very) low income levels of many households, the low level of financial inclusion, the lack of understanding of the benefits of insurance and the relative absence of multi-national corporations who are natural buyers of group products. The non-life segment also has to deal with widespread poverty, and with a notoriously volatile political/security and business environment.
View Full Report Details and Table of Contents
Unsurprisingly, the insurance sector is very under-developed in terms of key metrics such as its absolute size, penetration (premiums as a percentage of GDP) and density (per capita premiums). Nevertheless, the most recent (late 2014) data from the trade association and the companies confirms that premiums have been rising strongly in both segments. In contrast to many emerging markets during 2014, the development of premiums in USD terms has not been affected by the weakness of the currency.
In essence, the indigenous insurance companies, many of which are active in both major segments, are increasing volumes and prices. They are reaching first time users. This is partly due to creation of innovative products. It is also partly due to bancassurance deals and imaginative arrangements to distribute micro-insurance products to people who do not have bank accounts. Some of the local companies have partnered with foreign groups in relation to parts of their business. Hollard's involvement with Adamjee Life is a good example: so too is the Allianz/EFU health insurance JV. Above all, the local insurers are resilient.
Recent Developments
- IGI completed its purchase of MetLife
The Pakistan Insurance Report has been researched at source and features Business Monitor International (BMI)'s independent assessment and forecasts for the insurance sector. It examines industry developments, key growth drivers and risk management projections, including the macroeconomic situation, government policy, regulatory environment and the level of development and potential for growth, broken down by line. Leading insurers are profiled, covering premiums, products and services and competitive positioning.
BMI's Pakistan Insurance Report provides professionals, consultancies, government departments, regulatory bodies and researchers with independent forecasts and regional competitive intelligence on the Pakistani insurance industry.
Key Benefits
- Benchmark BMI's independent insurance industry forecasts for Pakistan to test other views - a key input for successful budgeting and strategic business planning in Pakistan's insurance market.
- Target business opportunities and risks in Pakistan through our reviews of latest industry trends, regulatory changes and major deals, investments and macroeconomic developments.
- Exploit latest competitive intelligence on your competitors, partners and clients via our Company Profiles (inc. SWOTs, KPIs and latest activity).
Coverage
BMI Industry View
Summary of BMI?s key industry forecasts and views, covering the Life and Non-Life segments, the evolving competitive landscape and business operational risks.
Industry SWOT Analysis
Analysis of the major Strengths, Weaknesses, Opportunities and Threats within the insurance sector and within the broader political, economic and business environment.
BMI Industry Forecasts
Historic data series (2005-2014) and forecasts to end-2019 for key industry indicators, supported by explicit assumptions, plus analysis of key risks to the main forecasts. Indicators include:
- Life/non-life Premiums: Total premium growth (USDmn), premium growth (% y-o-y), penetration (% of GDP), density (USD per capita) for Life and Non-Life sectors, claims reinsurance, and assets and liabilities.
- Non-life subsectors: Data on gross written premiums for all major Non-Life segments (motor, transport, property, personal accident, health, general liability and credit financial).
BMIs Insurance Risk Reward Index
BMIs Risk Reward Indices provide investors (Life and Non-Life) looking for opportunities in the region with a clear country-comparative assessment of a market?s risks and potential rewards. Each of the country markets are scored using a sophisticated model that includes more than 40 industry, economic and demographic data points to provide an indices of highest to lowest appeal to investors, with each position explained.
About Fast Market Research
Fast Market Research is a leading distributor of market research and business information. Representing the world's top research publishers and analysts, we provide quick and easy access to the best competitive intelligence available. Our unbiased, expert staff is always available to help you find the right research to fit your requirements and your budget.
For more information about these or related research reports, please visit our website at http://www.fastmr.com or call us at 800-844-8156
2015 Hyundai Genesis Coupe
South Korean manufacturer announced official presentation of its Genesis sedan on Jan. 6 in Las Vegas and then on Jan. 13 in Detroit. Last time they presented Genesis Coupe with three months delay at the New York Auto Show. We expect same thing again. New 2015 Hyundai Genesis Coupe will be based on HND-9 Concept which was presented at at the Seoul Motor Show in March this year. This means that new coupe will come with longer hood and distinctive butterfly doors. Drivetrain will probably stay the same but that is not confirmed.
NEW 2015 HYUNDAI GENESIS COUPE WILL LOOK LIKE HND-9 CONCEPT
When we look at the HND-9 concept we can see that future is close. With new, more dramatic lines and up-swinging butterfly doors it is more than obvious that Hyundai’s designers took totally new approach. If 2015 Hyundai Genesis Coupe comes with this look and some serious engine, Corvette will get very decent competitor. HND-9 Concept came with 22-inches wheels, so we can expect to see that on the Genesis Coupe as one option. There are some information that new car will be slightly wider and lighter. These facts will positively influence on performance. There is no official information about interior look, but we have no doubt that it will completely blend with futuristic design. Hyundai has always managed to match sporty performance with luxury and comfort, and we don’t see why new Genesis Coupe should be exception.
2015 HYUNDAI GENESIS COUPE ENGINE CHOICE
For now we can say with certainty that 3.3 liter turbocharged V6 engine will come as one of the options under the hood. This engine can deliver about 370 horsepower and it will be matched to eight-speed automatic transmission. Power will be transferred on rear wheels. For those who like huge engines and wish to feel real rush in their veins, Hyundai is preparing Genesis Coupe with 5.0-liter DOHC V8 engine. This engine is delivering 429 horsepower at 6400 rpm and 376 lb-ft at 5000 rpm. For now there is no information which transmission will come with this engine. Anyhow if new 2015 Hyundai Genesis Coupe really comes with this engine it will be able to compete even with undisputed Corvette.
2015 HYUNDAI GENESIS COUPE PRICE AND RELEASE DATE
Hyundai didn’t announce yet how much money will cost new Genesis Coupe, but its price should be at least $10,000 lower than price of the competitors. As we said release date will probably be scheduled for some big auto show next year, we guess that will be New York.
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New two-car TVR Range to Launch in 2015
New two-car TVR Range to Launch in 2015
New TVR chairman Les Edgar has revealed plans to relaunch the TVR brand in style with the release of a new two-car line-up by 2015.
Edgar insists that these two new front-engined, rear-wheel drive British supercars will remain true to the TVRs of the past we’ve come to love. To begin with, TVR is set to focus on launching a new car with its own design followed soon thereafter by a second model set to cost between 50,000 and 80,000 pounds.
Remaining true to his statement that the new supercars created by the kickstarted TVR brand will maintain the character of TVRs from the past, Edgar revealed that the plan is to create two sports cars as simple, stripped-down and as free of electronic gizmos as possible. Consequently, TVR will instead focus solely on performance, driving factors and the overall character of the car. What this means is that future TVRs will be capable of supercar performance but with a far lower price.
Les Edgar is a Surrey-based Aston Martin racer and computer games millionaire who as we all know, recently led an investor group to buy TVR and all of its assets.
“The project started with a few of us, all lovers of drivers’ cars, talking about building the modern expression of the traditional British sports car,” Edgar says. “Most of us have business backgrounds. We knew we really needed a decent brand to make the thing fly, but the brand we really wanted wasn’t available.
“TVR’s owner, Nikolai Smolenski, had been approached by many other bidders and always said he wouldn’t sell. Then one of us became aware of a new opportunity to talk to him and we started negotiating. I can’t say he was a pushover to deal with, but he’s become a good supporter of our project,” he said.
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2015 New Concept Car #1
2015 New Concept Car #1 is cool HD Image Wallpaper. This post was upload at January 18, 2015 upload by Chiprut in Concept Car.You can use it in your computer by clicking resolution image in Download by size:. Don't forget to rate and comment if you interest with this wallpaper.This is the latest information about 2015 New Concept Car #1 . which is the most popular 2015 New Concept Car #1 in Concept Car.
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2015 Bugatti Royale: The Dashing Car Ever
It seems that 2015 Bugatti Royale aka 2015 Bugatti Galibier will be likely a hard competitor for any sport but trendy cars in the world. The great result from Hore Bugatti which can produce such of perfect car with an undeniable beauty and attractions will make any auto geeks admire this new car badly. This car is a dreamy car for anyone who has taste and sense of the real superb car.
2015 Bugatti Royale Engine
2015 Bugatti Royale specs are also superb, the 8, 0 l twin turbo W16 engine will complete this superb car with its great performance. It will deliver a robust permanent four wheel drive system and actually it is similar to Bugatti veyron Superior. Overall, 2015 Bugatti Royale is such a great designed cat with well-built engine and both interior and exterior designs. The engine which will support your great style driving on road will be such a great reason to choose this car.
2015 Bugatti Royale Extremely Superb Glamour Designs
2015 Bugatti Royale is such of great result of hard work of the engineers of this car because this is undeniably beautiful and luxurious. The exterior with the cool and dashing black color shows the masculinity of this car. The design is so modern and symbolizing the modernity from the sleek refinement. You can see how it is so great from the outside and attract any one to sit and experience of what it is like to be in such of elegant cars.
2015 Bugatti Royale Inteior
2015 Bugatti Royale will be amazed you more when you enter and see the interior design. You will find the great and perfect combination of vintage and modern style. The vintage and natural elements come from the usage of sleek unique wooden interior theme. The dashboard and steering wheel which are so elegant with its superb brown color will let you get the exciting feeling of riding this car. It is combined with the light beige brown feather seat upholstery to let you sit comfortably inside this car.
You will get some addition on this 2015 Bugatti Royale for completing your satisfaction. For example the superb elegant watch between the controls screens on the dashboard. It is a small clock which is hidden under the symbol of Bugatti Royale. You can find this clock is such a great accessory which is perfectly added for this dash car. You will be surprised and have no words to seek the lacks of these cars, the spotless beauty for your modern style and design cars.
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2015 Audi A1 face-lift revealed
- Audi A1 and A1 Sportback gets revisions for 2015
- On sale in April
- Two new engines and visual tweaks
Greg KableNov 14, 2014
The face-lifted Audi A1 and A1 Sportback have been revealed before they reach dealers in April 2015.
What is it?
Audi's supermini gets a selection of minor visual changes for 2015, along with a tweaked chassis, more infotainment options and new engines on the entry-level models.
Given the A1's success to date, the visual changes are predictably subtle. It gets a redesigned front and rear bumper, a tweaked grille, revised headlights and tail-lights, more defined door sills and a redesigned rear bumper.
The mild exterior changes add 2cm to the length of the A1, which now stretches to 398cm overall. As before, customers can choose between either a standard single or optional two-tone paint scheme.
What engines can I choose from?
The face-lifted A1 and A1 Sportback will come with the choice of six engines - four petrols and two diesels - all of which are described as being either completely new or heavily upgraded.
The entry-level models now get a new turbocharged 95bhp 1.0-litre three-cylinder petrol and turbocharged 1.4-litre three-cylinder diesel - both recently added to the Volkswagen Polo.
The former is the first ever three-cylinder petrol engine to be offered in any Audi and averages 65.7mpg and emits 99g/km of CO2 on the three-door A1.
The former is the first ever three-cylinder petrol engine to be offered in any Audi and averages 65.7mpg and emits 99g/km of CO2 on the three-door A1.
The new 90bhp diesel, which provides the basis for the first Ultra model in the A1 line-up but is not yet confirmed for sale in the UK, is even more economical, averaging 83.1mpg and emitting CO2 89g/km.
It also comes with a 1.4-litre petrol with either 123bhp or 148bhp. The latter of these comes with fuel-saving cylinder-on-demand technology that shuts down two of the cylinders when they are not needed. A 114bhp 1.6-litre diesel and 189bhp 1.8-litre petrol are also offered.
Top of the range is the four-wheel-drive S1 and S1 Sportback, which retain the same turbocharged 2.0-litre four-cylinder engine as before.
How much equipment does it come with?
Audi has confirmed the A1 will get a reworked chassis.
It comes with the option of adaptive damping in combination with the Drive Select function. This allows the driver to alter the steering, damping, gearbox and throttle settings in three stages by using the car’s MMI (Multi-Media Interface) dial.
The steering system is described as all-new and is said to provide significantly reduced assistance at speed for added handling precision.
In terms of equipment, all models get alloy wheels, remote central locking, air-conditioning, electric front windows and mirrors, aux and iPod connection and a 6.5-inch retractable display. It also gets a city braking system.
Sport models also get Audi's Drive Select system, 16-inch alloys, sports suspension, sport seats and Bluetooth.
S line models get Xenon headlights with LED daytime running lights and rear lights, 17-inch alloys, S line Sports suspension and part-leather upholstery. They also get S line styling.
Owners will also be able to choose a Tech pack, which brings internet-based services such as an upgraded satellite-navigation system. The Comfort pack adds auto lights and wipers, cruise control and parking sensors.
How much will it cost?
Prices start at £14,315 for the 1.0-litre petrol in SE trim, and go up to £26,110 for the S1 Sportback. The Sportback model adds £620 on to the price of the three door, while changing the manual for the S tronic automatic transmission adds £1540.
1.0-litre
SE - £14,315
Sport - £16,290
SE - £14,315
Sport - £16,290
1.6-litre TDI
SE - £15,390
Sport - £17,365
S line - £19,360
SE - £15,390
Sport - £17,365
S line - £19,360
1.4-litre 125PS
Sport - £16,690
S line - £18,685
Sport - £16,690
S line - £18,685
1.4-litre 150PS COD
S line £19,480
S line £19,480
Can I get a discount?
The Audi A1's desirability means that it is very hard to come by discounts on the small car, so Target Price discounts through the dealers are not much more than a couple of hundred pounds.
Brokers such as Carfile.net offer better discounts on the current car, and this is expected to continue to be the case with the revised model.
Pakistan : National Bank Students Loan Scheme
Pursuant to the announcement made by the Federal Finance Minister in his 2001-2002-budget speech, a STUDENTS LOAN SCHEME (SLS) for Education was launched by the Government of Pakistan in collaboration with major commercial banks of Pakistan (NBP, HBL, UBL, MCB and ABL). Under the Scheme, financial assistance is provided by way of Interest Free Loans to the meritorious students who have financial constraints for pursuing their studies in Scientific, Technical and Professional education within Pakistan.
The Scheme is being administered by a high powered committee comprising Deputy Governor, State Bank of Pakistan, Presidents of the commercial banks and representative of Ministry of Finance, Government of Pakistan.
ADMINISTRATOR OF THE SCHEME National Bank of Pakistan
ELIGIBILITY:
• Under the scheme the students are eligible to apply for loans provided:
i) He/She has obtained admission on merit through normal course/procedure in the approved Universities/Colleges of the public sector mentioned hereunder.
ii) He/She falls at the time of admission within the age bracket of:-
For Graduation Not exceeding 21 Years
For Post-Graduation Not exceeding 31 Years
For Ph.D Not exceeding 36 Years
For Post-Graduation Not exceeding 31 Years
For Ph.D Not exceeding 36 Years
iii) He/She has secured at least 70% marks in the last public examination.
iv) He/She has undertaken the study of the subjects given below.
v) He/She is unable to pursue studies due to financial constraints.
TYPES OF LOAN:
The loan facility will be available for entire duration of the study for:-
Schedule Fee Paid directly to the
University/College
Boarding expenses excluding meal charges
Procurement of textbooks--- Disbursed directly to the student
University/College
Boarding expenses excluding meal charges
Procurement of textbooks--- Disbursed directly to the student
REPAYMENT OF LOAN:
The maximum period of repayment of loan is 10-Years from the date of disbursement of first installment .The borrower shall repay the loan in monthly installment after one year from the date of first employment or one year from the date of completion of studies, which ever is earlier.
Under the Scheme, loans is available in the following subjects.
i) Engineering | ii) Electronics |
iii) Oil Gas & Petro-Chemical Technology | iv) Agriculture |
v) Medicine | vi) Physics |
vii) Chemistry | viii) Biology, Molecular Biology & Genetics |
ix) Mathematics | x) Other Natural Sciences |
xi) DAWA and Islamic Jurisprudence (LL.B/LL.M Sharia) | xii) Computer Science/Information System and Technology including hardware. |
xiii) Economics, Statistics and Econometrics | xiv) Business Management Sciences |
xv) Commerce | |
a |
IMPORTANT INSTRUCTIONS:
Application Form will not be entertained if the same is not properly & duly filled in and found missing therewith the following documents.
i) Three Photographs of Student attested by not below the rank of BPS-17.
ii) Attested photocopies of Fee Challan raised/demanded by the Educational Institution and Boarding expenses (excluding meal charges).
a) Income certificate from the employer i.e. Government/semi Government/ Private service
b) Income Certificate from the area counselor of the Union Counsel i.e. for self employed
b) Income Certificate from the area counselor of the Union Counsel i.e. for self employed
iii) Attested photocopies of: -
a) Domicile
b) Computerized N.I. Card.
b) Computerized N.I. Card.
iv) Attested photocopies of all educational certificates
a) Secondary School Certificate
b) Higher Secondary Certificate
c) Degree(s)
d) Marks Sheet/Transcript (Last Examination)
b) Higher Secondary Certificate
c) Degree(s)
d) Marks Sheet/Transcript (Last Examination)
v) A certificate (in original) from the Vice Chancellor/ Principal/Registrar of the concerned University Letter Head confirming date of admission and completion date of study. vi) Four un-stamped self-addressed envelope (5 X 11).
OTHER INFORMATION:
Application Forms are available from the designated branches mentioned above or may be downloaded from National Bank of Pakistan websitewww.nbp.com.pk/studentloan
The students desirous of availing loan under the Scheme may apply on prescribed form for financial assistance subject to he or she has got admission on merit through normal procedure in the Universities/ Colleges afore-mentioned.
Applicants are required to submit their applications on the prescribed form, duly completed in all respect, to the designated branches indicated against each University/College by the given date.
Application shall be considered on merit according to the availability of funds. Any application which is not made on the prescribed form or is un-signed or does not contain the required particulars and documents or reaches late will not be entertained.
For more information please visit : http://www.nbp.com.pk/studentloan/
Application Deadline : 28 March 2011
Download this Call as PDF
2014-2015 Pell Grant Amount
Most families know this time of year is when the FAFSA must be filed. One of the most important questions the FAFSA answers is, “How much Pell Grant will I get?” The answer is like all questions related to financial aid–it depends. If you meet the eligibility requirements to receive federal student aid and have filed your FAFSA, the Expected Family Contribution calculated as a result of processing your FAFSA, along with your school’s Cost of Attendance and your enrollment status will be used to determine how much, if any, Pell Grant you may receive. The maximum eligible EFC for 2014-2015 is 5157. You will find your EFC when you receive your Student Aid Report issued after filing your FAFSA. If you supplied a valid email address and signed your FAFSA with yourPIN, you will be able to get this report 3-5 days after submitting the FAFSA. Don’t worry if it seems complicated. Your financial aid office will notify you of the specific amount you may receive when they send you your financial aid award letter. That said, let’s take a look at this year’s maximum and minimum award amounts.
For the 2014-2015 award year (July 1, 2014 – June 30, 2015), the maximum Pell Grant available is $5,730. Conversely, the minimum is $573. This year’s Pell Grant is an increase of $85 from the $5,645 maximum in 2013-2014. The maximum and minimum Pell Grant amounts are set by law. Every student who meets the eligibility requirements and has sufficient need will receive funding. The higher your EFC, the lower the award you can receive. And, if you don’t qualify for a Pell Grant, there are many other types of financial aid available to help you pay for your college education–even if you don’t have any financial need.
Here are the 2014-2015 Award Year Federal Pell Grant Program Payment and Disbursement Schedules in PDF format. Remember, your financial aid office has the final word on your eligibility to receive financial aid–including the Pell Grant.
In case you are curious, here are the historical Pell Grant maximums adjusted for inflation (2013):
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