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Life Assurance Contracts

Life assurance continues to be a topic of great practical significance, given the popularity of endowment mortgages and pensions, which contain an element of insurance, as well as the need for families to protect against the loss of their breadwinners. Since the first edition of this book in 1995 much has changed, with a fundamentally new regulatory structure under the Financial Services and Markets Act 2000, changes in divorce and bankruptcy law, as well as continued developments in areas such as insurable interest and utmost good faith. All these developments are covered in this new edition, which at the same time retains the extensive coverage of the well-established principles of this area of law. Areas dealt with include insurable interest, disclosure, cancellation, intermediaries, marketing, assignment, surrender and pension policies. This new edition has been comprehensively revised and updated to take account of changes since the last edition was published.

Life Below Water (Encyclopedia Of The Un Sustainable Development Goals Ser.)

The Life Brief: The Simple Tool to Unlock What You Really Want from Life

"The ultimate tool to set us on our true path towards success and joy" Deepak Chopra"Bonnie is Oprah - meets Brene Brown - meets Simon Sinek."Elle Harrison, author of Wild CourageWe all have moments when we doubt the path we're on. So ask yourself: what do you really, really want? And how can you make that happen?Making meaning out of messiness, The Life Brief distils the practice of brand strategy into its simplest, clearest, and most effective form to help you realign your path with your dreams - personally, professionally, culturally and spiritually.World-leading strategist Bonnie Wan first encourages you to Get Messy, with ways to cut through limiting beliefs and false assumptions about what's possible. Then her guidance to Get Clear offers prompts for finding clarity around what you truly, deeply want. And finally, Get Active catapults you into the steps to making those desires a reality.This blueprint has already been transformative for thousands of other people, and now we can all learn how to break through the clutter, identifying the fears and beliefs holding us back, and create a life that is wholly our own.You cannot have it all, but you can have all that matters"This book is a wonderful invitation. Take it."Dave Evans, #1 New York Times bestselling author of Designing Your Life'An inspiring and important way of thinking."Esther Wojcicki, author of How to Raise Successful Children

Life. Business: Just Got Easier

A motivational smack in the face! “Beneath the bluff exterior of the self-styled “fat bloke from Manchester” is a shrewd business brain.” The Times “…a northern Anthony Robbins!” Theo Paphitis Brad Burton, once a regular in the dole queue, burdened with unbearable levels of debt, is now the MD of a multi-million pound international business. If anyone knows about sorting your life out, it’s Brad. But this isn’t Brad’s story – this is about YOU. Brad is here to share practical, actionable steps – stuff you can actually do – to improve your life, both at home and in business. He’s learnt exactly how to motivate yourself, focus on your passion, face setbacks and keep on moving forward – and now Brad wants to share these lessons with as many people as possible. We all have it in us to improve our lives and succeed – we just need a friendly kick in the pants from Brad! Chapters include: If your only motivation is money it’s not enough 2 year plan. Forget it. More like 2 week plan No passion. No point Buy my stuff Eject. Eject. Eject. Ignore. Ignore. Ignore

Life. Business: Just Got Easier

A motivational smack in the face! “Beneath the bluff exterior of the self-styled “fat bloke from Manchester” is a shrewd business brain.” The Times “…a northern Anthony Robbins!” Theo Paphitis Brad Burton, once a regular in the dole queue, burdened with unbearable levels of debt, is now the MD of a multi-million pound international business. If anyone knows about sorting your life out, it’s Brad. But this isn’t Brad’s story – this is about YOU. Brad is here to share practical, actionable steps – stuff you can actually do – to improve your life, both at home and in business. He’s learnt exactly how to motivate yourself, focus on your passion, face setbacks and keep on moving forward – and now Brad wants to share these lessons with as many people as possible. We all have it in us to improve our lives and succeed – we just need a friendly kick in the pants from Brad! Chapters include: If your only motivation is money it’s not enough 2 year plan. Forget it. More like 2 week plan No passion. No point Buy my stuff Eject. Eject. Eject. Ignore. Ignore. Ignore

Life Centered Financial Planning: How to Deliver Value That Will Never Be Undervalued

Bring your financial planning to life by bringing life to your financial planning. Life-Centered Financial Planning: How to Deliver Value That Will Never Be Undervalued shows financial planners and advisors how to radically improve the service they provide to their clients by tying their decisions and strategies to their clients’ life events, stages, and goals. Written by distinguished financial professionals Mitch Anthony and Paul Armson, Life-Centered Financial Planning provides readers with practical advice and concrete strategies to revolutionize their organization and client service by: · Focusing on what matters most to clients, rather than maximizing assets under management or pushing products · Understanding that a strong financial plan means more than simply accumulating as much money as possible · Building a business model that is good for everyone involved: the financial advisor, clients, and the organization · Moving from being a commodity to being your client's trusted advisor The book is perfect for any financial planner or advisor who wishes to adapt to the radical redefinition of financial services taking place today.

Life Centered Financial Planning: How to Deliver Value That Will Never Be Undervalued

Bring your financial planning to life by bringing life to your financial planning. Life-Centered Financial Planning: How to Deliver Value That Will Never Be Undervalued shows financial planners and advisors how to radically improve the service they provide to their clients by tying their decisions and strategies to their clients’ life events, stages, and goals. Written by distinguished financial professionals Mitch Anthony and Paul Armson, Life-Centered Financial Planning provides readers with practical advice and concrete strategies to revolutionize their organization and client service by: · Focusing on what matters most to clients, rather than maximizing assets under management or pushing products · Understanding that a strong financial plan means more than simply accumulating as much money as possible · Building a business model that is good for everyone involved: the financial advisor, clients, and the organization · Moving from being a commodity to being your client's trusted advisor The book is perfect for any financial planner or advisor who wishes to adapt to the radical redefinition of financial services taking place today.

Life-Cost Approach to Building Evaluation

Life-cost approach to building evaluation comprehensively addresses in a reader-friendly, accessible way the fundamentals of life-cost studies in the built environment. It includes the time-value of money, discounted cash-flow analysis, differential price-level movement and affordability fluctuations. Contemporary issues such as occupancy costs, sustainability implications and value adding are also addressed. Replete with illustrations and examples, this innovative book provides a holistic approach to evaluation that integrates life-costing to broader social and environmental criteria.Important features include:- presentation materials to facilitate face-to-face and online learning - review questions- worked tutorial exercises, and- example examination papers.

Life-Cost Approach to Building Evaluation

Life-cost approach to building evaluation comprehensively addresses in a reader-friendly, accessible way the fundamentals of life-cost studies in the built environment. It includes the time-value of money, discounted cash-flow analysis, differential price-level movement and affordability fluctuations. Contemporary issues such as occupancy costs, sustainability implications and value adding are also addressed. Replete with illustrations and examples, this innovative book provides a holistic approach to evaluation that integrates life-costing to broader social and environmental criteria.Important features include:- presentation materials to facilitate face-to-face and online learning - review questions- worked tutorial exercises, and- example examination papers.

A Life Course Perspective on Chinese Youths: From the Transformation of Social Policies to the Individualization of the Transition to Adulthood (Life Course Research and Social Policies #17)

This open access book investigates from a life-course perspective the individualization process and the challenges faced by young adults in post-collectivist China, where people are enjoined to "liberate" (jiefang) their individual capacities, to "rely on themselves" (kao ziji) and to no longer "depend on the state" (kao guojia). Based on unique quantitative and qualitative data, this book provides a solid empirical portrait of Chinese youths and transformation of social policies in post-collectivist ChinaThis book will be a great resource to students, academics as well as social scientists and policy-makers who wish not only to understand how, in such a short period of time, young adults and their families have managed to navigate from a relatively egalitarian society to one of the most unequal, but also how the articulation between socialist and neoliberal ideologies is reconfiguring social and economic relations as well as women’s and men’s life-course.The basis of the English translation of this book from its French original manuscript was done with the help of artificial intelligence. A subsequent human revision and rewriting of the content was done by the author.

Life-Course Smoking Behavior: Patterns and National Context in Ten Countries

Despite efforts to curb tobacco use, global tobacco addiction remains as strong as ever. Smoking rates are declining very slowly in advanced countries, and they are increasing in the developing world. Yet, researchers still do not fully understand what drives smoking decisions. Life-Course Smoking Behavior presents smoking trajectories of different generations of women and men from ten of the world's most visible countries, with nation-specific representative samples spanning more than eighty years of recent history. To inspire hypotheses on the determinants of smoking behavior, the authors place these data in economic, political, social, and cultural contexts, which differ greatly both across countries at a particular time and over time in a given country. Though significant research has been conducted on smoking statistics and tobacco control policies, most descriptions of smoking behavior rely on cross-sectional "snapshot" data that do not track individuals' habits throughout their lifespan. Lillard and Christopoulou's work is a unique and necessary text in its comparative life-course approach, making it a long overdue complement to the existing literature.

Life-Course Smoking Behavior: Patterns and National Context in Ten Countries

Despite efforts to curb tobacco use, global tobacco addiction remains as strong as ever. Smoking rates are declining very slowly in advanced countries, and they are increasing in the developing world. Yet, researchers still do not fully understand what drives smoking decisions. Life-Course Smoking Behavior presents smoking trajectories of different generations of women and men from ten of the world's most visible countries, with nation-specific representative samples spanning more than eighty years of recent history. To inspire hypotheses on the determinants of smoking behavior, the authors place these data in economic, political, social, and cultural contexts, which differ greatly both across countries at a particular time and over time in a given country. Though significant research has been conducted on smoking statistics and tobacco control policies, most descriptions of smoking behavior rely on cross-sectional "snapshot" data that do not track individuals' habits throughout their lifespan. Lillard and Christopoulou's work is a unique and necessary text in its comparative life-course approach, making it a long overdue complement to the existing literature.

Life Cycle and Sustainability of Abrasive Tools (RWTHedition)

This monograph focuses on abrasive tools for grinding, polishing, honing, and lapping operations. The book describes the life cycle of abrasive tools from raw material processing of abrasive grits and bonding, manufacturing of monolithic or multi-layered tools, tool use to tool end-of-life. Moreover, this work highlights sustainability challenges including economic, environmental, social and technological aspects. The target audience primarily comprises research and industry experts in the field of manufacturing, but the book may also be beneficial for graduate students.

Life Cycle Assessment: Theory and Practice (Lca Compendium - The Complete World Of Life Cycle Assessment Ser.)

This book is a uniquely pedagogical while still comprehensive state-of-the-art description of LCA-methodology and its broad range of applications. The five parts of the book conveniently provide: I) the history and context of Life Cycle Assessment (LCA) with its central role as quantitative and scientifically-based tool supporting society’s transitioning towards a sustainable economy; II) all there is to know about LCA methodology illustrated by a red-thread example which evolves as the reader advances; III) a wealth of information on a broad range of LCA applications with dedicated chapters on policy development, prospective LCA, life cycle management, waste, energy, construction and building, nanotechnology, agrifood, transport, and LCA-related concepts such as footprinting, ecolabelling,design for environment, and cradle to cradle. IV) A cookbook giving the reader recipes for all the concrete actions needed to perform an LCA. V) An appendix with an LCA report template, a full example LCA report serving as inspiration for students who write their first LCA report, and a more detailed overview of existing LCIA methods and their similarities and differences.

Life Cycle Assessment (PocketArchitecture)

Life Cycle Assessment addresses the dynamic and dialectic of building and ecology, presenting the key theories and techniques surrounding the use of life cycle assessment data and methods. Architects and construction professionals must assume greater responsibility in helping building owners to understand the implications of making material, manufacturing, and assemblage decisions and therefore design to accommodate more ecological building. Life Cycle Assessment is a guide for architects, engineers, and builders, presenting the principles and art of performing life cycle impact assessments of materials and whole buildings, including the need to define meaningful goals and objectives and critically evaluate analysis assumptions. As part of the PocketArchitecture Series, the book includes both fundamentals and advanced topics. The book is primarily focused on arming the design and construction professional with the tools necessary to make design decisions regarding life cycle, reuse, and sustainability. As such, the book is a practical text on the concepts and applications of life cycle techniques and environmental impact evaluation in architecture and is presented in language and depth appropriate for building industry professionals.

Life Cycle Assessment (PocketArchitecture)

Life Cycle Assessment addresses the dynamic and dialectic of building and ecology, presenting the key theories and techniques surrounding the use of life cycle assessment data and methods. Architects and construction professionals must assume greater responsibility in helping building owners to understand the implications of making material, manufacturing, and assemblage decisions and therefore design to accommodate more ecological building. Life Cycle Assessment is a guide for architects, engineers, and builders, presenting the principles and art of performing life cycle impact assessments of materials and whole buildings, including the need to define meaningful goals and objectives and critically evaluate analysis assumptions. As part of the PocketArchitecture Series, the book includes both fundamentals and advanced topics. The book is primarily focused on arming the design and construction professional with the tools necessary to make design decisions regarding life cycle, reuse, and sustainability. As such, the book is a practical text on the concepts and applications of life cycle techniques and environmental impact evaluation in architecture and is presented in language and depth appropriate for building industry professionals.

Life Cycle Assessment in Aviation: Theory and Applications (Sustainable Aviation)

Life Cycle Assessment in Aviation: Theory and Applications provides readers with a comprehensive analysis that examines various elements within the aviation sector, including aircraft operations, maintenance and repair activities, aircraft gas turbine engine processes, airport auxiliary vehicles, airport operations, airport construction, airport access traffic, and airport wastes. The book’s content has been meticulously crafted to address the specific needs and interests of a diverse audience encompassing researchers, engineering students, and civil aviation organization officials. Readers will find valuable insights and up-to-date information about the latest developments in the aviation field, serving as a valuable resource for their investigations and studies.

Life Cycle Assessment in Industry and Business: Adoption Patterns, Applications and Implications

1.1 Life Cycle Assessment (LeA): a fascinating and sophisticated tool The greening of the economy is not a new task, but it is a challenge for which a lot of tasks still have to be done. It is known that the main source of environ­ mental deterioration by industry is not any more the chimneys and other process­ related emissions, but the products and services produced. Products are regarded as carriers of polIution: they are not only a potential source of polIution and waste during their use; they are also a cause of resource depletion, energy consumption, and emissions du ring their life starting with the extraction of the raw materials and ending with their disposal (i.e. connecting production and consumption stages). The challenge of these decades is now the greening of products and services. The new focus on products (cp. OosterhuislRubik/ScholI 1996) was introduced as a policy approach of shared responsibility in which different actors are in­ volved along the life-cycle of a product, each having specific responsibilities.

Life Cycle Assessment (LCA) and Life Cycle Analysis in Tourism: A Critical Review of Applications and Implications

Tourism is an activity that anyone can take part in, regardless of their age, gender, nationality or level of income. This makes tourism one of the most rapidly developing industries in the world. Despite the number of benefits which tourism produces, it also has significant negative impacts on the environment. To minimise the scope of these negative impacts, joint efforts combining tourism and environmental management are called for.This book examines the application of the Life Cycle Assessment (LCA) method and lifecycle thinking as a tool to generate more accurate and holistic appraisals of the environmental impacts of tourism. Looking at the issue of sustainability of tourism operations, the book evaluates how it can be improved. It highlights the potential of LCA to affect tourist behaviour and contribute to tourism policy-making and managerial practice.This book provides a valuable resource for undergraduates, postgraduates and researchers interested in sustainable tourism, sustainable development and environmental impact assessment.

Life Cycle Assessment of Energy Systems and Sustainable Energy Technologies: The Italian Experience (Green Energy and Technology)

This book deals with the application of life cycle assessment (LCA) methodology to sustainable energy systems and technologies. It reviews the state-of-the-art of the Italian experiences on the LCA applied to energy, and the most recent results from research in this field, with a particular focus on renewables, bio-energy and sustainable solutions. The contributors describe in detail the applications of LCA to various energy system topics, including: • electricity production, smart energy grids and energy storage systems;• renewable energy production from biomass;• production of biodiesel from microalgae;• environmental impacts of biomass power plants; and• geothermal energy production. These topics are supported by critical reviews and case studies, with discussions of Italian examples, demonstrating LCA’s application to various energy systems. A particular focus is placed on bio-energies and bio-energy systems, demonstrating how LCA can be used for optimal bio-energy production. This book offers an opportunity for researchers and advanced practitioners in the field of LCA to learn more about the application of LCA methodology to energy systems and technologies. It will also be of interest to students, as it enables them to understand the environmental impacts of energy systems and sustainable energy technologies, through the analysis of their life cycles.

Life Cycle Assessment of Natural Gas Vehicles: Development and Application of Site-Dependent Impact Indicators (Ethics of Science and Technology Assessment #6)

In the context of conducting research on the consequences of scientific and tech­ nological advance, the Europaische Akademie is also concerned with the support of scientists in the doctoral or post-doctoral phase who are working on topics or methods within its research spectrum. The first dissertation supported by the Europaische Akademie is published in this volume of the book series "Wissen­ schaftsethik und Technikfolgenbeurteilung". One of the research areas of the Europaische Akademie is the scientific investi­ gation of environmental consequences of new technologies. Energy conversion and transportation are thereby considered as important areas of technological advance. The dissertation follows this thread by comparing the impacts of natural gas vehicles on human health and the environment with those of reference vehi­ cles fueled by petrol and Diesel. This question is addressed within the framework of Life Cycle Assessment, which is one important instrument of environmental Technology Assessment. Within this framework, a new method for the assessment of impacts on human health is developed and applied. In this way, the dissertation contributes to the methodological research of the Europaische Akademie in the field of Technology Assessment. The book is addressed to researchers in the fields of alternative fuels, Techno­ logy Assessment, and Life Cycle Assessment in particular. It may also be of inter­ est to decisionmakers and the wider public concerned with environmental impacts of energy conversion and transportation. It was written in English in order to be accessible to an international audience.

Life Cycle Cost Analysis: An Economic Model for Sustainable Tomorrow

Life Cycle Costing (LCC) is the process of economic analysis to assess the total cost of ownership of an asset, including its cost of procurement, installation, operation, maintenance, conversion, and decommissioning. The economic approach to assess the total cost of owning an asset or facility is known as Life Cycle Cost Analysis (LCCA). LCCA is a key economic tool for business decision-making in terms of various functional requirements, such as sustainability, asset management, supply chain management, and project management. Every organization is a combination of various interrelated functions or departments. Every function has its own set of objectives and targets. Even though all functions try to achieve overall organizational objectives, in reality, they work to protect their functional interests as well. In many cases, it becomes detrimental to the health of the organization. This conflicting behavior increases when decisions are made on subjective considerations. When a company's strategy works on an objective platform, chances of conflict are reduced. LCCA can be used as a management decision tool for synchronizing functional conflicts by focusing on facts, money, and time. Life Cycle Cost Analysis: An Economic Model for Sustainable Tomorrow explains a simple, innovative model to carry out LCCA, along with a unique methodology to determine how the value of money changes over a period of time.

Life Cycle Cost Analysis: An Economic Model for Sustainable Tomorrow

Life Cycle Costing (LCC) is the process of economic analysis to assess the total cost of ownership of an asset, including its cost of procurement, installation, operation, maintenance, conversion, and decommissioning. The economic approach to assess the total cost of owning an asset or facility is known as Life Cycle Cost Analysis (LCCA). LCCA is a key economic tool for business decision-making in terms of various functional requirements, such as sustainability, asset management, supply chain management, and project management. Every organization is a combination of various interrelated functions or departments. Every function has its own set of objectives and targets. Even though all functions try to achieve overall organizational objectives, in reality, they work to protect their functional interests as well. In many cases, it becomes detrimental to the health of the organization. This conflicting behavior increases when decisions are made on subjective considerations. When a company's strategy works on an objective platform, chances of conflict are reduced. LCCA can be used as a management decision tool for synchronizing functional conflicts by focusing on facts, money, and time. Life Cycle Cost Analysis: An Economic Model for Sustainable Tomorrow explains a simple, innovative model to carry out LCCA, along with a unique methodology to determine how the value of money changes over a period of time.

Life-Cycle Costing: Using Activity-Based Costing and Monte Carlo Methods to Manage Future Costs and Risks

Everyone jokes about the 20/20 hindsight of cost management. In Life-Cycle Costing, Jan Emblemsvag proposes to do something about it. Here's a new approach to life cycle costing that brings activity-based costing, risk, and uncertainty into the forefront. You'll focus on future costs and learn how you can perform any type of cost management activity better than before by introducing uncertainty into models and exploiting them to the max. Order your copy today!

Life Cycle Costing (Environmental Footprints and Eco-design of Products and Processes)

Life Cycle Costing (LCC) is a well-known and popular method to evaluate the economic sustainability, which as the term implies is structured on the life cycle of a product or process. LCC is a method primarily consisting of estimating the total cost of a product, taking into account the whole life cycle of the product as well as the direct and external costs. It is one of the important methods and tools under the sustainability umbrella. This book describes the concept of LCC and offers several interesting case studies.