THE MECHANISM OF ARID EROSION
Arid landforms are as a result of many combined factors, one reacting upon the other. Insufficient rainfall, often less than 127 mm (5 inches), coming at most irregular periods, coupled with very high temperatures (31°C/87°F, is the average) and a…
SOCIAL ANIMALS
Social animals are those in which individuals of the same species live together cooperatively in organized communities known as societies or colonies. A colony is a group of individuals belonging to the same species and organized in a cooperative manner.…
THE RISE OF MANUFACTURING INDUSTRY
Man’s universal demand for food, clothing, shelter and other comforts of life has prompted the creation of many new things. Foods are preserved or canned to last longer. Modern homes have telephones, television sets, refrigerators, washing machines and other luxuries.…
BEHAVIOURAL ADAPTATION
Behaviour is everything an organisms does in response to changes in its environment. It is basically adaptive, geared mainly towards promoting the organism’s survival and reproduction. Examples of behavioural adaptations are grouped and explained below. Behavioural Adaptation in Predators (Carnivores)…
DATA REPRESENTATION
Data Representation refers to the methods used internally to represent information stored in a computer. Computers store lots of different types of information: numbers. text. graphics of many varieties (stills, video, animation). sound. Computers use numeric codes to represent all…
TYPE OF DESERTS
About a fifth of the world’s land is made up of deserts, some rocky, others stony and the rest sandy. Deserts that are absolutely barren and where nothing grows at all are rare and they are better known as ‘true…
ADAPTIVE COLOURATION
Adaptive colouration is the possession by an organisms, of a colour which enable it to catch its preys, avoid its predators or enemies and ensure its survival. In order to obtain food, escape or hide from their enemies and secure…
COMMON INSURANCE TERMINOLOGIES
Concealment: This is the willful act of holding back information that may be pertinent to the issuance of an insurance policy even though the insured was not asked about that particular subject. Disclosure: Insurer needs information from the proposer to…
DETAILED EXPLANATION OF REINSURANCE
MEANING OF REINSURANCE This refers to an arrangement whereby an insurer, having accepted risk beyond his financial capacity, cedes part of the risk to another insurer. There are two parties involved in reinsurance: the ceding company and reinsurer. The ceding…
STRUCTURAL ADAPTATION
Structural adaptations are special modification of structures which help organisms to survive better in their various environment. Some examples of structural adaptations are describe below. Structural Adaptation for Obtaining Food (a) By Toad The toad possesses special olfactory organ…
ADAPTATION FOR SURVIVAL
Adaptation is defined as the possession of special features or structure which improves the changes of an organism to survive in its environment. In other words, adaptation is the ability of an organism to live successfully in a particular habitat…
IRON AND STEEL
Nature, properties and uses Iron is the commonest, cheapest and most versatile of all metals. It is, in fact, the basis of the modern industrial complex, About 90 percent of the world’s iron ore is used in the making of…
PRESENTATIONS USING POWERPOINT
PowerPoint is an application software package that allows you to create, print and show presentations. When you are giving a presentation, your main aim is to get key points across to your audience, in a way that allows them to…
ELECTRICITY
Of the power sources, electricity is the cheapest. It is not exhaustible like coal or petroleum but is renewable. The French have aptly described it as ‘white coal’. There are two different sources of electricity. That which is derived from…
DETAILED EXPLANATION OF LIFE ASSURANCE
Life assurance deals with insurance of human life either in death, retirement, disability, etc. It has to do with situations that will definitely happen but when and how it will happen is not known. That is why in life, the…
BUSINESS INTERRUPTION AND LIABILITY INSURANCE
BUSINESS INTERRUPTION INSURANCE This type of insurance is designed to indemnify an organisation for the loss of revenue which may be caused by the following activities: Fire and special perils. Engineering breakdown risk. Computer damage and breakdown risks. This kind…
AVIATION AND ENGINEERING INSURANCE
AVIATION INSURANCE This is connected with various types of aircraft: airplane, gliders, helicopters, jet, etc. Aviation insurance insures all aviation risks, varying from component to complete jumbo jets purchased by: Large commercial airlines. Corporate or business aircraft owner e.g. NNPC.…
PETROLEUM
Petroleum is mineral oil, organic in origin, and occurs in the pore spaces of sedimentary rocks. It is derived from the decomposition of marine or vegetative matter. It normally occurs in dome-shaped anticilines, between layers of non-porous rocks. The oil…
COMPOSITION AND STRUCTURE OF BLOOD
Structure of the blood The blood is a tissue in a fluid form. An adult man has about 5-6 litres of blood. Blood is made up of two major components: the blood cells or corpuscles which are solid. the plasma…
CREDIT, BURGLARY AND MARINE INSURANCE
CREDIT INSURANCE Credit is a system of buying and selling without immediate payment being made. It is a system whereby the buyer receives goods or accepts services in return for his promise that payment will be made on or before…
COAL
Coal, comprising mainly carbon of vegetative origin, is one of the oldest forms of power. It provided the basis for the Industrial Revolution. Its importance as both fuel and raw material was greatly enhanced with the invention of the steam…
INTRODUCTION TO MINING AND POWER
Minerals are natural, chemical substances which make up the rocks of the earth’s crust. They have certain physical and chemical properties that differentiate them from one another. There are well over 2 000 known minerals scattered very unevenly throughout the…
CARE OF THE EYES, NOSE AND EAR
Care of the eyes Use good light when reading or doing any fine work such as sewing. Poor light strains the eyes. Do not rub the eye when you have something in it. Do not wash your eyes with disinfectant…
CARE OF THE HAIR
The different parts of the human body are very important for healthy life. These parts require good care and grooming so that they can function properly. You need to understand how to take care of each of these parts in…
MONEY AND FIDELITY GUARANTEE INSURANCE
MONEY INSURANCE The term ‘money’ here means cash, bank and currency notes, cheques, postal and money orders, e.t.c all belonging to the insured or any principal or employee of the insured while deposited with the insured. This policy cover pays…
FIRE AND THEFT INSURANCE
FIRE INSURANCE Fire insurance is an essential class of insurance to aid the growth of stability of manufacturing industry and other businesses in Nigeria. Since the effect of a single fire incident can create a multi-dimensional effect, there is need…
PRESENTATION PACKAGE
Presentation software or presentation package is an effective multimedia tool as it combines text, sound, images and video on one or more slides. Presentation packages are used to create presentations, quizzes, information points and many more multimedia products. Most presentation…
WORD PROCESSING
Word processing is the use of computer to create,edit, and print documents. Of all computer applications, word processing is the most common. To perform word processing, you need a computer, a special program called a word processor, and a printer.…
MOTOR INSURANCE AND ECOWAS BROWN CARD SCHEME
NATURE OF MOTOR INSURANCE In the early days, there was nothing like vehicle but people still moved from one point to another.The technological development which introduced the use of motor vehicle also brought about some risks involved in its use.…
INSURANCE CLAIM
The contract of insurance is the kind of contract whereby the insurer promises the insured to provide indemnification in return of premium in the event of loss. The insurer pays the insured some amount of money in form of a…
INTRODUCTION TO GRAPHIC PACKAGES
Graphic packages are those programs that allow artiste and computer users to use computers to create, edit, display and print graphic images. A graphics package is an application that can be used to create and manipulate images on a computer.…
NATURE AND STRUCTURE OF INSURANCE DOCUMENT
The various types of documents used in insurance business are: The Proposal form. The cover notes. The insurance certificate. Policy document. THE PROPOSAL FORM This is a questionnaire designed by the insurer to the proposer to complete in compliance…
INTRODUCTION TO MICROSOFT ACCESS
Microsoft Access is a Relational Database Management System (RDBMS), designed primarily for home or small business usage. Access is known as a desktop database system because it is functions are intended to be run from a single computer. This is…
CRUD AND ACID
CRUD In computer programming, CRUD is an acronym for create, read, update and delete which are the four basic functions of persistent storage. It is also sometimes used to describe user interface conventions that facilitate viewing, searching, and changing information;…
STRUCTURED QUERY LANGUAGE
Structured Query Language (SQL) is a special-purpose programming language designed for managing data in relational database management systems (RDBMS).Originally based upon relational algebra and tuple relational calculus, its scope includes data insert, query, update and delete, schema creation and modification,…
CONTRIBUTION
This is another corollary of the principle of indemnity. It ensures the payment of exact financial compensation to the insured by discouraging the insured from obtaining compensation from more than one source. It is applicable in a situation involving more…
INDEMNITY
The principle of indemnity regulates the financial compensation to be made to the insured by the insurer following the loss experienced by the insured. This principle exposes what amount would an insured be entitled to in the event of claim.…
FORMS OF DATABASE ORGANIZATION
There are four structural types of database management systems: hierarchical, network, relational, and object-oriented. 1) Hierarchical Database: A hierarchical database model is a data model in which the data is organized into a tree-like structure. The structure allows representing information…
DATABASE MANAGEMENT PACKAGES
A database management package or database management system (DBMS) is a software package used to set up, or structure, a database. It is also used to retrieve information from a database. The top part of the figure is a menu.…
INTRODUCTION TO DATABASE
A database is a set of data that has a regular structure and that is organized in such a way that a computer can easily find the desired information. Data is a collection of distinct pieces of information, particularly information…
INSURANCE ASSOCIATIONS IN NIGERIA
Insurance industry in Nigeria cannot exist in isolation. It has to exist within the framework of the economy, and there is need for regulation of the practice of insurance in any economy. The objective of insurance associations in Nigeria is…
COMPUTER CABLES AND CONNECTORS
A power cable is an assembly of two or more electrical conductors, usually held together with an overall sheath. The assembly is used for transmission of electrical power. Printer cable refers to the cable that carries data between a computer…
Study Guide
