ABU DHABI //Children will learn Quran memorisation, the azan, or call to prayer, photography and reading skills at this year's summer programme by the Sheikh Zayed Grand Mosque Centre in Abu Dhabi.
The programme, for young people aged 7 to 18, begins next month.
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The Quran memorisation course will be split into two groups: one for boys from 7 to 13 and another for 14 to 18-year-olds. The centre will also provide two sessions for girls.
Specialists from the Ministry of Islamic Affairs and Endowments will help the children to understand the rules of reading and reciting the Quran.
The azan course involves eight lectures for children from 7 to 18. Boys from 14 to 17 can participate in the photography course conducted by professional photographers.
The reading course, for boys and girls aged from 7 to 12, aims to provide them with reading skills and teach them to summarise literary works.
Talal Al Mazrouei, director of events and activities at the centre, said it was keen to educate the younger generation about the values and teachings of their religion.
The centre, which is affiliated to the Ministry of Presidential Affairs, is sponsored and supported by Sheikh Mansour bin Zayed, Deputy Prime Minister and Minister of Presidential Affairs. For more information visit http://www.szgmc.ae
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Women’s draw: Maitha Al Neyadi (57kg)
Specs
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Key changes
Commission caps
For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:
• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term).
• On the protection component, there is a cap of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).
• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated.
• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.
• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.
Disclosure
Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.
“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”
Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.
Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.
“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.
Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.
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Pay varies significantly depending on the school, its rating and the curriculum. Here's a rough guide as of January 2021:
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- average salary across curriculums and skill levels is about Dh10,000, recruiters say
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Terminal High Altitude Area Defense (THAAD)
What is THAAD?
It is considered to be the US' most superior missile defence system.
Production:
It was first created in 2008.
Speed:
THAAD missiles can travel at over Mach 8, so fast that it is hypersonic.
Abilities:
THAAD is designed to take out projectiles, namely ballistic missiles, as they are on their downward trajectory towards their target, otherwise known as the "terminal phase".
Purpose:
To protect high-value strategic sites, such as airfields or population centres.
Range:
THAAD can target projectiles both inside and outside of the Earth's atmosphere, at an altitude of 93 miles above the Earth's surface.
Creators:
Lockheed Martin was originally granted the contract to develop the system in 1992. Defence company Raytheon sub-contracts to develop other major parts of the system, such as ground-based radar.
UAE and THAAD:
In 2011, the UAE became the first country outside of the US to buy two THAAD missile defence systems. It then deployed them in 2016, becoming the first Gulf country to do so.
