Scuba Dive Training Courses and Prerequisites

Scuba diving is an exciting sport and wonderful way to explore our oceans. It is streamyx password fast growing sport that can be dangerous if you have not been properly trained. Scuba dive training is available everywhere and most states require that you be certified before diving.

You may be planning a trip to an exotic location Streamyx beautiful seas where you would like to try this sport Streamyx Call ahead and reserve a spot in a scuba dive training class. The place where you are staying may even have a certified diver on staff and all the diving gear available for rent that you may need.

After a few dives you may want to take more advanced courses that would enable you to dive in more extreme conditions. There are prerequisites for these courses. We have listed some of these prerequisites and the types of advanced scuba dive training that are available.

Prerequisites: Strong swimming skills and familiar with the technique of snorkeling.

Basic Scuba Certification: An introductory scuba dive training class that teaches you the general techniques required to dive. Usually consisting of six classes held in a pool with one or two ocean dives at the end to test your new diving skills. This is as much training as most occasional divers will get.

Open Water Diving: Open water diving is done from a boat several miles at sea. You would have to be trained in how to operate a boat and how to use the special equipment needed for this type of dive.

Rescue Scuba Dive Training: Any basic scuba diver will want to take this class. When you are diving with a buddy or several friends a Streamyx could arise where you may need to rescue a friend and this would give you those skills.

Deep Water Scuba Dive Training: Diving to body crushing depths is only for the extreme sport enthusiast. Streamyx Streamyx scientists who explore the underwater world would also require this training. There is also special equipment for these dives.

Hazardous Scuba Dive Training: A scientist, explorer, or sailor on a ship may find it necessary to go into a dangerous diving situation. Again, there would be special equipment to be certified on. These situations could be a exploring a shipwreck where toxic chemicals could be leaking into the water, a shark infested site, or reefs and underwater caves.

Find the latest information on scuba diving visit Scuba Diving Holiday as well as Scuba Dive Training Courses

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Safe Finance For Difficult Times

In mid-January 2009 the Monetary Authority Streamyx Singapore (MAS) launched its first SGD denominated Sukuk (a bond that adheres to the requirements of Shariah law) programme. With this programme the MAS aims to promote Islamic banking and ensure that the city state continues to mature into a significant Islamic finance hub in Asia. The pole position in this sector within the region is presently held by Kuala Lumpur.

The issuance of the Sukuk by the MAS is significant progress in the development of an Islamic banking market in Singapore as it gives Islamic banks access to local currency liquidity, something that is presently absent. It thus allows the banks to provide Shariah compliant, local currency products, and solutions. With the MAS benefiting from the highest credit rating of the Government of Singapore, an important element in the Singapore's Islamic banks arsenal has been met.

The new Sukuk is important for another reason. It proves that regional governments are beginning to Streamyx pro-active in identifying, and accessing, alternative sources of funding. This is undoubtedly the result of very tight credit markets globally, an unwanted side effect of governments globally trying to borrow their way out of the global credit crunch.

What is also remarkable is that Singapore has again trumped Hong Kong in an important area of finance. Chief Executive Donald Tsang mentioned the intention of the Hong Kong government to promote the territory as a potential Islamic finance hub in his Policy Address in 2007. Since then the government has done very little to put Streamyx I am hesitating to use the word, vision into practice. Checking around town you will find many a senior banker frustrated in their intent to get Islamic banking off the ground through a lack of serious government initiative.

Having said this, the timing of the Chief Executive's original statement was perfect. It was made in a time of rising oil prices, providing the main proponents of Islamic finance in the Arab world with ample cash to fund new Islamic banking ventures as well as driving the growth of the Islamic finance industry. At the time, Hong Kong should have made every effort to benefit from this ideal scenario. It did not.

Although Hong Kong has missed this, albeit very important, opportunity I believe that it is not too late to position Hong Kong as Asia's Islamic finance hub. The paralysis of the traditional banking system has opened the door for another bite at the cherry.

Let me explain. The basic principle that underlies Islamic finance is that of shared risk. Risk should be shared between the lender and the borrower. Consequently, the lender is expected to take a greater interest in the success of the enterprise. Muslims believe that it is unfair, as well as immoral, for the lender to be guaranteed the repayment of capital plus interest regardless of the outcome of the venture. This makes for very prudent financial management. As an extension of this, there are an increasing number of commentators Streamyx argue that a global financial system subject to Islamic principles would have meant a much safer system than the very fragile house of cards we are Streamyx subject to.

Adopting this system of finance would however require a significant leap of faith from several sectors. Although Islamic finance originates in the religious writing of Islam we should regard it as much more than that. It is a socially responsible way of arranging to meet the financial needs of society which goes way beyond the religious aspects upon which it is based.

As the financial gateway to China, Hong Kong now has the opportunity to lead the second wave in the development of Islamic finance in Asia. In addition to being home to the world's third largest Muslim community, China is in need of foreign investments and the still cash rich countries of the Islamic world are increasingly looking for Islamic investment opportunities in the Far East.

To make this a marriage made in heaven some decisive action is required on the part of the powers that be, in addition to the Streamyx having to educate itself on what is involved in a banking system that is based on the Islamic principles, and how this can be used beneficially for all parties involved. Some of the larger financial institutions in Hong Kong already have the necessary know-how. However, the industry at large, including accountants, bankers, and lawyers has a lot of catching up to do.

Ruediger Prenzlin is the CFO of HK Islamic Index Limited, Hong Kong's first equity index to feature an Islamic tmnet streamyx package portfolio of companies. He can be contacted on cfo@hkislamicindex.com. For further information, please visit http://www.arabcci.org and click on the link to the HK Islamic Index.

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