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Entertainment/TV
Exclusive: ARI on "Baptize"
By Giselle | September 4, 2018
ARI's Instagram may claim she's the witch of the west coast but once you hear your sing, you might be convinced she's a siren. What a pleasure it was to chat with this mystical artist.
What is the story behind the song for "Baptize"?
It's less of a story and more of a feeling. I wrote it at a time I felt least at home in my own mind and body. An existential crisis, if you will. Writing the song and starting my solo project was coming out on the other end for me.
What can fans expect from the music video? We hear it can be pretty wild.
That depends entirely on what one perceives "wild" to be. One woman's crazy is another's status quo.
Is there a plan to release more singles or an EP down the line?
Nah, I'll just leave the world with that and hope I become a blazing star off of it and end up on celebrity rehab someday… but really, yes. The next single will be out in October and the rest of the EP around the time where all you can find is Christmas Playlists.
Any possibilities to tour or play live in the future?
Yes! There are shows coming up in October and thereafter. I'm getting a circus of one ready.
You began songwriting at 16. Has your style or approach changed at all?
God, I hope so. Otherwise that would mean I have the mind of a sixteen year old and the body of a twenty-seven year old. I would like to think I'm less shallow than I was when I was sixteen, or at least more able to cope. Maybe that.
We heard you started out ballroom dancing. Love it. What's your favorite dance and do you feel dance helped form you as a musical artist?
My favorites are all the Latin dances. It feels so primal and real. Dancing forces you to create from a visceral place and writing music is no different.
You're a bit of a chef. Do you have a favorite meal to cook?
Paella, cause you can make it vegan and gluten free, standard protocol in Los Angeles, and it's still delicious and impressive. I'd like to think I've won over many a lover with this dish.
Also you dabble in photography and poetry. Girl, you do it all! Is there anything you can't do? And who are some of your favorite poets and photographers?
My, my, you're being very kind. Thank you. My favorite poets are Charles Bukowski, Leonard Cohen, Edgar Allen Poe (who is far more romantic and less ominous than I had originally perceived him to be) and Allen Ginsberg (separating the artist from the person in this case, of course). My favorite photographers are Henri Cartier-Bresson, Graciela Iturbine, Ruth Orkin and David-Simon Dayan, they all have a special way of making the mundane extraordinary.
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3.07 was the average GPA of National Panhellenic Council sorority members at NKU during the spring semester of 2007.
518 members were in Greek life at NKU during the spring semester of 2007.
3.26 was the average GPA of Delta Gamma members, NKU's highest sorority average.


Urban sprawl back in the Northeast US usually appears to me as something that has happened; a process that took place centuries (usually decades) ago and only now do I see the effects of past urban and industrial centers. But out here in Montana, the population and spread of settlements sits still so sparse that such towns as Belgrade stands obviously as a dependent of "big city" Bozeman. Still thriving today as a "suburb", the town has a great deal of character, complete with the old-timey feel.
One particular place that seems frozen in time is the town's coffeehouse, The Spotted Horse Cafe, located right near the main intersection. Business has gone continually for 30 years now (if not longer) which definitely puts the original owners as ahead of their time. But despite their years of operation, it seems they haven't changed much since their inception (who charges $0.50 for cream?).
The venue has a saloon bar with a large mirror behind it, heavily dominating the pizzazz-less interior (granted they might be going for that old west, neutral color look). The largest detractor was that the place reeked of onions (they served a full menu, which brings it back to the age old question of whether a coffeehouse should do so with such risks...).
The coffee of their choice was Montana Coffee Traders and when brewed fresh, tasted decent (their brewing methods seemed up to par). The espresso was OK, but after taking an initial sip, I asked the barista for cream, to which she insisted on adding, and ended up diluting it heavily (sigh). I didn't catch the tea or chai.
To put it simply, the Spotted Horse Cafe may have been a pioneer in specialty coffee, but I would recommend they update some of their practices. It's one thing to have history, but it's another matter to not alter with the times. Nonetheless, if you're in the Bozeman area (especially if you fly into the airport), take a side stop to try out the java at the Spotted Horse in nearby Belgrade. If anything, it's a nostalgic cup of coffee.
It was rather interesting for me to read the article. Thanx for it. I like such topics and anything that is connected to them. I definitely want to read a bit more soon.
Sounds like things are a bit different than my last trip two years ago. Next time I'm in the area, I will stop by soon.


Paul Lee is responsible for technology, media, and telecommunications research at Deloitte. In this role Paul has authored over 70 TMT reports including Deloitte's annual Predictions for the Technology, Media and Telecommunications series. In 2011 Predictions was launched in over 70 countries. Paul also founded the Deloitte Global Mobile Consumer Survey, which in its inaugural year included data from 17 countries and over 34,000 individual responses.


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In Bangladesh, the numbers were astounding. And baffling.
"Stunting," a measure of the shortfall in a child's growth due to chronic malnutrition, had plummeted at nearly twice the rate of the typical food security program funded by the U.S. Agency for International Development (USAID). Compounding the surprise: These children were growing taller in the poorest parts of Bangladesh.
Certainly part of the explanation was in the comprehensive nature of SHOUHARDO, a $126 million USAID program implemented by CARE in partnership with the government of Bangladesh.
The wide array of interventions under SHOUHARDO included maternal and child health and nutrition, sanitation, homestead food production and income generation.
But another force had the greatest impact on malnutrition. The game-changer? Women's empowerment.
In Afghanistan, one out of every 11 mothers dies during pregnancy or childbirth — and the odds of their babies surviving are not much better.
Watch how CARE is training community educators to help mothers and their babies stay healthy.


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Morvan Duhamel, nom de plume de Morvan Bourgeaux, né le  à Saint-Ouen et mort le  à La Celle-Saint-Cloud, est un journaliste, un militant anticommuniste et régionaliste et un écrivain français.

Biographie

Famille
Il est le fils de Maurice Duhamel, musicien et membre du Parti autonomiste breton.

Activités
Morvan Duhamel a longtemps été un collaborateur de l'homme de l'ombre et militant anticommuniste Georges Albertini, de 1949 à la mort de ce dernier en 1983. Selon un biographe d'Albertini, Jean Lévy (Le Dossier Georges Albertini. Une intelligence avec l'ennemi, éd. L'Harmattan, 1992), il aurait été un ancien militant de la SFIO, proche de Guy Mollet et collaborateur de la Revue socialiste. Morvan Duhamel nie avoir été membre de la SFIO. Selon Pierre Rigoulot, il aurait été en 1944 un tout jeune membre des Jeunesses du Rassemblement national populaire (JNP), le parti collaborationniste de Marcel Déat dont ont été membres Albertini ( 2 du parti) et Claude Harmel.

Il est à partir de 1983 directeur de l'Institut d'histoire sociale (IHS), qui prend la succession de l'officine anticommuniste d'Albertini, et directeur de la revue Est § Ouest, rebaptisée Horizons nouveaux après la fin de la guerre froide et fondée par Albertini en 1949 sous le nom de BEIPI. Il dirige le périodique Chronique économique, syndicale et sociale (1993-2005), qui prend la suite des Études sociales et syndicales de Claude Harmel. Il quitte l'Institut en 2006, à 78 ans.

Il a aussi occupé diverses autres fonctions, souvent à la demande d'Albertini. Il a été membre du cabinet de trois présidents du Conseil économique et social (Émile Roche, ami d'Albertini, Gabriel Ventejol, syndicaliste FO, et Jean Mattéoli), de 1954 à 1990. Et Roche et Ventejol ont présidé l'Institut d'histoire sociale. Selon ses dires, il a été la plume de Roche, écrivant ses discours et ses nombreux articles publiés dans divers périodiques. Il a été dans la deuxième moitié des années 1960 le chef de cabinet de Roche, à partir de 1965. Il a été en parallèle le responsable de la division des relations extérieures à la direction générale de l'Agence nationale pour l'emploi (ANPE) de 1971 à 1983. Il a été brièvement membre du cabinet d'Edgar Faure, ministre des Affaires sociales et du travail, en 1972.

Comme son père, il a été également un militant régionaliste et fédéraliste, en faveur de la Bretagne. Collaborateur du XXe siècle fédéraliste, périodique de La Fédération, il figure au cours des années 1960 dans les équipes du Comité d'étude et de liaison des intérêts bretons (CELIB) et du Mouvement national pour la décentralisation et la réforme régionale (MNDR), lancé en 1968 par Joseph Martray, dirige un temps le Centre Élysées-Bretagne, vitrine promotionnelle, culturelle et commerciale de la Bretagne à Paris, inauguré en 1967, collabore au périodique du CELIB, La Vie bretonne. Il est le secrétaire général de l'Office d'information et de documentation des élus locaux de Bretagne (ODIB), partisan d'une réforme régionale qui romprait avec la tradition jacobine et centralisatrice et s'exprimant à ce titre dans Le Monde à la fin des années 1960 et au début des années 1970. Il fait ensuite partie du comité de rédaction d'Armor Magazine et collabore à La Bretagne à Paris.

Il a utilisé notamment les pseudonymes « Civicus », « Hervé Le Goff » et « Yves Josselin ». Il a aussi publié de très nombreux romans d'aventures ou d'espionnage dans les années 1960, sous plusieurs pseudonymes, Paul Binic (pour les éditions de l'Arabesque et aux Presses noires), Gil Bréhat (pour la société d'éditions générales), Gilles Guirec (aux Presses internationales) et Yves Josselin (pour la collection du Masque). Il publie un roman sous son nom en 1974, évoquant le Concorde et l'espionnage soviétique.

Bibliographie
 .
 Marc Gontard (dir.), Dictionnaire des écrivains bretons du XXe siècle, Presses universitaires de Rennes, 2002

Ouvrages
 « Civicus », Monsieur Mendès-France et les communistes, Pierre Amiot, 1957.
 Les quatre jours de Dallas, France-Empire, 1967.
 Duel d'espions pour un Mirage, France-Empire, 1971.
 L'Espion du Concorde, Nouvelles éditions latines, 1974.
 « Hervé Le Goff », Les Grands Mensonges de l'histoire, Grancher, 1982 .
 « Hervé Le Goff », Les Grands Trucages de l'histoire, Grancher, 1982 .
 Entretiens confidentiels de Georges Albertini, Amalthée, 2013, 800 p.
 Les Écrits en prison de Georges Albertini, Amalthée, 2014, 332 p.
 En mission pour Georges Albertini, Amalthée, 2014, 250 p.
 Supplément aux entretiens de Georges Albertini, Amalthée, 2015, 210 p.

Notes et références

Liens externes

Naissance dans le département de la Seine
Naissance à Saint-Ouen-sur-Seine
Naissance en février 1928
Nom de plume
Anticommuniste français
Journaliste français du XXe siècle
Auteur français de roman d'espionnage
Décès en mai 2017
Décès à 89 ans
Décès à La Celle-Saint-Cloud

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Ole Gunnar Solskjaer has still only lost two Premier League matches as Manchester United manager, but both of those were in their last two away games and they have looked far from convincing over the last month or so. All their attacking swagger seems to have disappeared, and on Sunday they will come up against an Everton defence who have made huge strides forward recently.
The result of this defensive improvement has been some low scoring games, with six of The Toffees' last seven home games in the top flight seeing fewer than three goals in total. Man Utd. meanwhile, have seen fewer than three goals in four of their last seven away games in the league, and considering four of the last six meetings between these teams have also been low scoring affairs we think backing Under 2.5 Goals alongside a 1-1 correct score prediction is the way to go.
This Friday's game in Vitoria commences match-day 33 of this Spanish Primera Division season. It features two of the league's most out-of-form sides with Alaves having taken just one point from their last four matches to fall out of Champions League contention. Valladolid meanwhile have been on the receiving end of some damaging late goals and have taken just two points from their last four to slip into the relegation zone.
To make matters worse, both sides have some significant selection problems heading into this one. Alaves are hoping to finally be able to name Guillermo Maripan in their starting eleven. However Victor Laguardia's suspension means they again won't be able to name their first choice central defensive pairing. Ruben Duarte is also banned so they've a few key positions to fill here.
Valladolid meanwhile are missing their most consistent performer this season to suspension. Rubén Alcaraz has been a vital part of their battle for safety and has started 29 of their 32 league games until this point. On a more positive note, Toni Villa, another of their better players, is training again and could feature. They will need to pick themselves up though having somehow managed to squander a 2-1 lead against ten men last week with Getafe levelling in the 96th minute.
That could prove a damaging blow and they really need something out of this game having finally slipped into the bottom three last time out. Alaves though are hoping to move back up to 7th by winning the game and get their surprise European push back on track.
Of the 70 previous occasions when a side won a Champions League knockout tie first leg away from home, just four have been eliminated (6 per cent). However, two of those instances have been in this season's competition, including once by Manchester United, against PSG.
Barcelona have progressed from 39 of their 41 European ties in which they won the first leg away from home; the exceptions were against FC Koln in the 1980-81 UEFA Cup, and against Metz in the 1984-85 Cup Winners' Cup.
Barcelona are unbeaten in their last 30 UEFA Champions League home games, the longest such run in the competition (W27 D3). They have also not conceded more than once in any of those 30 games (15 goals in total) since a 0-3 loss to Bayern Munich in the 2012-13 semi-finals.
Manchester United have lost 49 Champions League games – they could become the ninth different club to reach 50 defeats in the competition, and just the second English side (Arsenal, 53).
Liverpool must still be having nightmares about the last time Chelsea visited Anfield when they had such a fine chance of ending their wait since 1990 for an English league title.
The crown was there for Liverpool's taking in 2014 when Steven Gerrard famously slipped, Demba Ba scored, Chelsea won 2-0 and Brendan Rodgers' side blew a 3-0 lead at Crystal Palace eight days later to hand the trophy to Manchester City.
Reds supporters must deep down be fearing a sense of déjà vu, their team again embroiled with City in a head-to-head tussle for the title and the quest to end what is now a 29-year wait to become champions of England.
The problem for Liverpool is that their head-to-head record against Chelsea is not good (see stats above) and the Blues are the only visiting team to have won at Anfield this season, in the Carabao Cup.
This is a big test of nerve for Jurgen Klopp's side, who have overcome a spate of five draws in seven games with six straight wins.
Chelsea are much less reliable on their travels than at home and also just back from a Europa League trip to Prague, but they enjoy playing the role of spoilers at this venue and may well be capable of achieving a draw to dent their opponents' title hopes.
Leicester City's anticipated resurgence under Brendan Rodgers is now in full swing and they can make it five wins on the bounce in the Friday Night Football match against Newcastle.
Rodgers was fully expected, certainly by us, to make a swift positive impact with his new club after leaving Celtic at such a surprising stage of the season – and there may well be a tangible reward at the end of the campaign.
The Foxes will be hoping Manchester City beat Watford to lift the FA Cup as that would mean the team that finishes seventh in the Premier League would enter the Europa League, and the 2015-16 champions are on course to do that as a result of their superb current form.
After an initial defeat away to Watford, Leicester have won their last four games, scoring 11 goals, with Jamie Vardy, James Morrison and on-loan Youri Tielemans their most dangerous attacking players.
It has become a tight battle for the 'best of the rest' status outside the top six but Leicester are now shading it and looking difficult to depose.
Newcastle, after a good couple of months, have gone off the boil somewhat as their relegation fears have eased and we can see them going the same way here as Leicester's last few opponents.
We expect Bologna to make the most of this opportunity, with Chievo losing nine of their last 15 away trips. The visitors have lost four of their last five, shipping 13 goals in that time. They've seen at least two goals in 80% of their trips, while there have been over 1.5 goals in eight of their nine away defeats. Bologna have scored at least twice in their home wins, so we're backing Bologna to win with over 1.5 goals in the game.
Rayo can get a result. Valencia have drawn 53% of their league fixtures this term and they've rarely made life comfortable for themselves this season. Up against a team that is fighting for their lives and performed quite well at home last weekend against a decent Betis side, backing the Draw could be worth considering in this one.
Jozy Altidore, Drew Moor and Chris Mavinga are all sidelined for Toronto FC at the moment through injury. Their injuries are showing no sign of clearing.
William Kvist is ruled out for Denmark after being stretchered off in their 1-0 win over Peru.
Andreas Christensen was forced off with a knock in the second half, but should be fit to start here.
Head coach Stanislav Cherchesov has reverted to a 4-1-4-1 formation after two first choice centre-backs from his preferred back three were injured ahead of the tournament.
Gareth Southgate will make changes to the side that beat Nigeria 2-1 on Saturday.
Jack Butland, Harry Maguire, Danny Rose and Jamie Vardy are expected to start for England against Costa Rica.
Trent Alexander-Arnold and Jordan Henderson will also feature after joining up with the England squad.
The partners of Phil Jones and Fabian Delph are both expecting children any day and their involvement here remains uncertain.
Abel Braga has a few injury worries here, especially in attack. Pedro is out after getting injured against Grêmio, while both Pablo Dyego and Marcos Júnior missed that game.
Midfielder Adilson serves a suspension this weekend.
Roy Miller is carring an injury with Liam Ridgewell and Alvas Powell also playing with knocks at the moment. Vytas is also struggling with a knock.
David Guzman is also missing for the Portland Timbers as the midfielder is currently on international duty.
Wilfred Ndidi is expected to miss out as he continues his recovery from a hamstring injury, with Ogenyi Onazi in line to deputise in the middle of the park.


text:
/ George Harrison
/ Early Takes Volume 1
Early Takes Volume 1
Preview Early Takes Volume 1
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Woman Don't You Cry For Me (Early Take)
Awaiting On You All (Early Take)
Behind That Locked Door (Demo)
All Things Must Pass (Demo)
The Light That Has Lighted The World (Demo)
℗ 2011 G.H. Estate Limited, under exclusive license in the United States to Universal Music Enterprises, a division of UMG Recordings, Inc.
© 2012 G.H. Estate Limited, under exclusive license in the United States to Universal Music Enterprises, a division of UMG Recordings, Inc.
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This entry was posted in Episodes and tagged beer, eu, pope on February 21, 2013 by Jack.
The TeaHC Show is a podcast about current events, cannabis culture, the internet and more, and it's hosted by megaproxy (Doug) and PenguinKenny (Jack), two British /r/trees mods from south-east England.
Catch us live every other Thursday at 20:30UTC / 15:30EST (countdown at the bottom) or catch-up with the archive.
It's been a while: we're sorry!


text:
A Secondary Suite is any dwelling unit containing cooking facilities, food prep area, sleeping, and sanitary facilities that is physically separate and/or subordinate to those of the principal house. A secondary suite does not include a boarding or lodging house, duplex dwelling, semi-detached home, multi-unit home, townhouse or apartment.
After carefully considering the value and potential dangers of suites, City Council passed a Secondary Suites policy and added a standard to the Land Use Bylaw in order to regulate Secondary Suites. This policy aims to:
Enhance the safety of tenants by ensuring suites meet applicable safety code standards;
Minimize insurance risks and exposure to liability for suite owners;
Recognize and uphold the value of suites as an attainable housing choice; and,
Provide residents that live near suites options regarding the protection of their properties from negative impacts that may arise from delinquent suite owners and/or tenants.
A suite can only be developed on a lot containing a single detached dwelling, which does not include mobile homes.
If the main part of a single detached dwelling containing a suite is rented as well, the owner must obtain a business licence.
One parking stall per bedroom must be provided on the same lot as the suite.
The maximum number of bedrooms in a secondary suite is three (3).
The maximum number of bedrooms in a secondary suite in the Residential Small Lot Land Use District is one (1).
A secondary suite cannot be located on the same lot as a home occupation 2 or 3.
New secondary suites must meet all applicable fire and building code requirements.
Existing suites developed before December 31, 2006 must meet all requirements of the fire code.
Existing suites developed after December 31, 2006 must meet all requirements of the fire and building code requirements.
To review all of the requirements and types of allowable secondary suites, please review Section 14: Secondary Suites, under Schedule 4: Use Standards, of the Land Use Bylaw (PDF).
In order to bring a secondary suite into compliance, property owners must obtain a Development Permit from the City. The Development Permit Application will be reviewed by the Municipal Planning Commission to ensure the suite is appropriate for the property and the neighbourhood, and that it meets all the requirements of the Land Use Bylaw. Notification will be sent to neighbouring properties, asking for input, support or opposition.
Once a Development Permit has been approved, the property owner must obtain a Building Permit. The Building Permit Application will include an inspection from a Safety Codes Officer to ensure that the fire code and building code (if applicable) are met.
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You are here: Home / Banking / How to remove late payments from CIBIL report?
Having late payments from CIBIL report can prove detrimental to your credit score, and indeed is something that requires your attention. If not addressed in time it can snowball into a much bigger, more significant problem that not only affects your credit report but your overall financial fitness in the long run.
A credit report provided by CIBIL, India's oldest credit information company or bureau is known as the CIBIL score. It is the fundamental document lenders access when determining whether to extend any credit facilities to a borrower as it helps them gauge just how risky a customer may prove to be.
This report details information pertaining to any loans or credit cards that you have availed of, and your repayment behaviour is emphasised upon. Hence, ensuring that you do not have a pattern of late payment on your record is crucial.
While you can request for a copy of your CIBIL report, it is currently not offered as a free service. Upon payment of a small fee, the report is made available by way of a quick, hassle-free process.
What is defined as a late payment?
Let us take an example – Borrower A has a credit card, which has a payment due date of the 25th of each month. When Borrower A makes a payment any day after the due date, the payment is considered to be a late payment. Simply put, therefore, any amount outstanding past the due date will be a late payment once received by the lender.
However, for the sake of categorization, lenders universally slot late payments into buckets, denoting how many days past due (or DPD) they are. These buckets are tagged at 30, 60, 90 and 120 days past the due date, and the more number of days past, that much more serious is your problem.
Sometimes, a person defaults on a loan or card payment simply because they have forgotten the due date. In most other cases however it is a willful default wherein the borrower does not intend to pay the amount owed to the lender.
Whatever be your reason for delaying a payment, know that your credit report does not consider the same, and every late payment is meticulously captured in the document. Of course, data received by bureaus is only that sent by its member institutions (banks and other financial institutions) and bureaus do not generate any information on their own. Hence, the moment your lender updates your account with a late payment remark, the same is transferred on to your bureau report.
Delaying a payment or missing it as a one-off instance will have a short-term, immediate impact on your CIBIL rating, it is true, but not as much as a regular history of payment defaults would. When you are 90 DPD, for example, your record is already tarnished, and building your score back up is a tedious exercise, one that takes time and patience. When you go as much as 90 days past the due date, it conveys to a lender that you have not only defaulted on payment once – and for a relatively long period – but are likely to do it again. In most cases as a global standard, late payments stay on record for a period of 7 years. Hence while erring may be simple, it is far more complex to rebuild your score.
How do you remove late payments from the CIBIL report?
In order to know how to clear CIBIL issues, you first need to identify them in your CIBIL report; hence calling for a copy is your first step in the process. Once received, go through it carefully and check for any errors or inaccurate information, which includes late payments.
If your late payment is on account of having forgotten the payment due date, you can request for the information to be struck off on the basis of goodwill, which is known as a 'goodwill adjustment' to lenders. If your credit history – and most importantly, your repayment track record – is otherwise good, a lender is likely to consider this favourably and delete this information from their records. Once they send this revised update to the bureau, your record is struck clean. Of course, this is purely at the discretion of the lender and your relationship with them, so even when you do send a letter, do not assume that it will be automatically done.
Further, if the information in your report is accurate, chances are that the lender is unwilling to strike it off your report without any assurance from your end. Therefore, some lenders globally request for the borrower to sign up with their banks to ensure auto-debit towards payment on the due date. On doing this, they are willing to consider erasing the late payment record. However, as with a goodwill letter, this depends solely upon the lender.
You can also negotiate with the lender with regards to making either a partial or full payment towards the amount outstanding, thereby not only reducing your debt burden but also having the late payment record struck off.
However, do keep in mind that a late payment is not looked upon favourably by any lender, and getting the remark struck off from your credit report can be an uphill task.
When you request for removal of late payment remarks from your report, follow up with the lender to keep periodically checking the status. Once the lender agrees to removal, it can take up to a month (or sometimes longer) to have your credit report updated with the new data. Hence, do call for your credit report and check the details yourself.
Note-This is a guest post written by Arun Ramamurthy, author of "Unlock the Power of Your Credit Score" : India's first book on credit scores.
BasuNivesh in no way associated with the author or the organization he represents. Also, we not received any monetary benefit for publishing this post. This is purely based on knowledge sharing purpose.
Chandu-First contact Kotak Bank and try to get the clearance certificate. Once it is ready, then you can approach CIBIL for the same.
I have applied for autoloan in Co operative bank. They rejected my application due to overdues are showing in my credit report. So i have checked my cibil report and came to know that one housing loan in which cibil report shows me as guaranteed is overduing since April 17. Now my concern is i am not Guaranteed in any housing loan bt it is showing so how do i process further to remove this housing loan? Please help me grt this out from my cibil.
Miraj-Without giving your guarantee, how can a Bank show you? Touch with bank at first and try to resolve it at the earliest.
Hardik-Check first with bank level and then approach CIBIL.
hi Sir, present my cibil score is 772 , . My personal loan was rejected due to my previous closed loans having DPDs . Last one year on words ,i don't have any default payments in Gold loan & credit cards. Still banks rejected my personal loan due to closed personal loans showing DPD . please suggest how to over come this problem ?
Sunil-Whether you have NOC issued for those closed loans? If so, then contact CIBIL and let them know about your NOC.
Sir, Yes, I send all NOC to Cibil and Bank. They updated in My CIBIL report closed status. But DPD ( Year 2015,16) shows 840 870 900 900 900 and 000. Is it possible to remove closed loan DPD after two years?
I have taken one personal loan from and Credit Card from ICICI Bank in 2007. Due to some finanicial problem I cant make proper repayment. Finally in 2009 I made one time payment to ICICI bank to close my Personal Loan and and settled by credit card by paying settlement amount. I have received no dues certificate from bank for PL and CC. But still this record is visible in CIBIL report. How I can remove these records from my CBIL record.
Biju-Refer above post and contact CIBIL.
I have a Citifinancial loan taken in 2005.. and it was written off in 2006…but it has been transferred to Kotak bank and they keep updating it on Cibil as written off, so it is affecting my score. I have spoken to Kotak bank, and got a written confirmation from them that, when i pay the agreed amount they will issue the NDC and also inform Cibil to change the records. But I just realized that the DPD fields for the last 36 months will remain the same.
Kavetha-Better to negotiate with bank.
My CIBIL score is 758. I had taken few loans in the past and had settled them. Now I have paid the complete outstanding amount. However in few of the occasions, they have indicated the dates under Days Past Due. However that is as of 2012. Do you think it will impact my Home Loan eligibility?
Tapas-It may be, better to correct it.
My CIBIL score is effected because of credit cards of two. Now I want to foreclose the credit cards.
A card shows of an amount of current balance of Rs. 10,000=00, overdue of Rs. 10,000=00. So, how much I have to pay to remove my name from CIBIL.
A other card shows of written of principle Rs. 30,000=00 overdue of Rs. 30,000=00. So, how much I have to pay to remove my name from CIBIL.
BLN-First check with your banks and discuss with them the dues and why such dues left (if you already paid).
I have clear my gold loan.. But shows in cibil… By showing closure of gold loan can I get business loan.
Shariq-It depends on your score. First concentrate on score.
Chandrika-How many days back you cleared the overdue?
I am using only one credit card and not made any payment from the past 6 months. I am planning to go for a home loan now. I cleared all the outstanding amount by today and the respective bank promised me that will give NOC. so that i can go for a home loan on next month. i didn't checked the cibil score yet. can you please clear me two things.
Will i get loan sanctioned by using NOC?
Satya-Getting NOC not guarantee you that you get loan. Because CIBIL score depends on how accurate you are in repayment. None can say of how many days it takes to update. But if you found it is not updated, then you can contact CIBIL and let them update the same.
Satish-It is already explained above. Please go through above post.
Basavraj ji can you tell me, what happens after 7 years does that records got earsed or its their in Cibil report. Please enlighten on this issue thanking you.
Prayank-It will be there in report. But such past data may not be relevant to the lender NOW.
Is there a method by which you can remove your previous applications for credit card ?
I was once rejected for a credit card and after that I have been unable to get any new credit card issued.
If I pay a part of my credit card due in a month and pay the remaining balance in the next month, will it affect my CIBIL Score ?
Arup-As long as you not defaulted any payment schedule, there will not be any impact on CIBIL score.
Thank you Basavaraj Tonagatti . Informative source about CIBIL report .
I did delay of 1 day while making credit card payment. Do my CIBIL score reduces?
Abhimanyu-It will but not to great extent.


Living In Abundance Out of Inheritance!
As sons and daughters of God we have received a powerful inheritance! This message contains specifics about the inheritance of Peace, Righteousness, and the Kingdoms language that we get to receive and live in the abundant life!
God's Desire For Our Families!
God's desire for our families is to stop reacting to what we see in the flesh and start repeating what we hear in the Spirit! As we do, reconciliation will take place in our families as the Spirit of Elijah is being poured out.
Psalms 139:16, "Your eyes saw my substance, being yet unformed. And in your book they all were written, the days fashioned for me, when as yet there were none of them." Be encouraged! God has written your story! Sure we can choose to make our own choices and do our own thing apart from God, but why would we! Take sometime and listen to the following message and be encouraged that with one choice you can find yourself walking in God's story for you again! A little hint, its simply discovering that we get to live as His children fully trusting and depending on Him as our Father. God loves you and He is with you!
Proverbs 17:22, "A happy heart does good, like medicine, but a broken spirit dries the bones."
This Christmas season, God has highlighted to me the word merry in Merry Christmas! The word merry means to "be very happy and cheerful." It is an opportunity to show joy and happiness. I love that! As believers, we all have something to be very happy about and right now, we can be happy that Christmas is all about Jesus and the relationship that we get to have with God because of Jesus' birth, life, sacrifice, death, resurrection, and ascension.
Matthew 3:17, "And suddenly a voice came from heaven, saying, "This is My beloved son, in whom I am well pleased."
After I read this verse, God gave me this thought: If Jesus, the Son of God needed to audibly hear His Father's voice Honor Him, then how much more do our kids need to hear our voices as we choose to honor them!


82.The international EV market is growing rapidly. Sales of new EVs tripled between 2015 and 2017 and are expected to overtake ICEs during the late 2030s.196 This is a radical transition for a sector that has been dominated by ICEs since the late nineteenth century, and will be a significant challenge for incumbent manufacturers who must either adapt to new EV technology or lose market share. The implications are particularly important for the UK's substantial automotive sector, which has built up world-class expertise in ICEs over many years, and which must overcome additional Brexit-related challenges to secure future inward investment.
89.We welcome the Government's ambitions on EV and battery technologies, and its investments so far through schemes such as the four-year Faraday Challenge. However, more support is needed to ensure we retain our status as an international automotive leader, and to minimise the economic impacts of declining ICE trade through the 2020s. It is important that as any jobs in ICE production are lost, so new ones are created in EVs, batteries and associated technologies. We recommend that the Government set out a longer-term, 10-year strategy for batteries to help the UK to take a lead in this technology. If we do not act other countries will go first, and there is a risk that part of the UK automotive sector's market share could be lost to emerging EV leaders. Funding for R&D should focus on areas where UK has existing strengths and so a realistic chance of taking a lead, for example in battery design and development, electrolyte manufacturing, traction motors, lightweight materials, and power electronics.
90.When a vehicle reaches the end of its life, it must be disposed of through an Authorised Treatment Facility. Under the EU End of Life Vehicles Directive, vehicle manufacturers have an obligation to provide free take-back for cars and light commercial vehicles; these obligations are met through partnerships with companies which take back vehicles and issue a 'certificate of destruction'.223 Vehicles are then disposed of and parts are either re-used, recycled or used for energy recovery. Unite, SMMT and Axion Recycling, amongst others, identified potential for the UK to take a lead in end-of-life EV services, which remain less developed than those for ICE vehicles.224 This could include second life applications for batteries that are no longer suitable for in-vehicle use, disposal and recycling of entire vehicles—for which EU legislation will guarantee demand—or more specifically the recycling of batteries.
93.Second life battery applications, EV end of life disposal and battery recycling are nascent areas that could offer significant industrial opportunities. We recommend that the Government explores the potential value of these to the UK and take a lead in developing those that are promising, before other countries gain a competitive edge.
99.The Institute of the Motor Industry, Unite and BMW emphasised the need to develop new qualifications/regulations for EV technicians, suggesting that formal accreditation or a 'license to practice' would provide confidence to drivers and help to protect both employers and workers.246 We welcome the Road to Zero Strategy's acknowledgement of these concerns and the commitments to review the adequacy of existing regulation to protect mechanics and to work alongside the IMI to ensure mechanics are well trained; we recommend the Government further develops EV-specific qualifications for mechanics and engineers. The intentions of the Automotive Sector Deal to develop EV and battery manufacturing are also helpful, but the Deal does not go far enough in providing support for actors across the supply chain to transition from ICE to EVs. We recommend Government and business work together to develop a clearer joint plan to help companies repurpose ICE manufacturing facilities, to help workers develop new EV skills, and to ensure that independent dealerships and mechanics are equipped to advise on buyers on EV options and to conduct repairs safely. This will be essential to help the UK automotive sector retain top-level expertise and relevance as global demand moves from ICEs to EVs.


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Monash University Handbook 2010 Undergraduate - Course
1638 - Bachelor of Arts as a Participant in the Dean's Scholars Program
This course entry should be read in conjunction with information provided in the 'Faculty information' section of this Handbook by the Faculty of Arts
Managing faculty
BA(Dean's Schol Prg)
CRICOS code
Total credit points required
Standard duration of study (years)
3 years FT, 6 years PT
Study mode and location
On-campus (Clayton)
http://www.arts.monash.edu.au/current/coursework/contact_us/
Rae Frances
Students have a maximum of eight years to complete this course.
Students may select arts units from any campus, but should be aware of the teaching location as this may require travel to another campus. Students may also select units offered in off-campus mode.
Students selected as deans scholars in arts will be eligible to choose the campus at which they wish to undertake their Bachelor of Arts program. The Deans Scholars Program applies only to the Bachelor of Arts. Specialised degrees, double degrees or double awards are not included in the program.
Participants in this program receive a scholarship which is renewable for each year of the course, subject to satisfactory academic performance (normally a distinction grade average).
The faculty offers students in the deans scholars in arts the opportunity to plan, in consultation with an adviser, personalised courses that differ in academic merit and scope from the normal Bachelor of Arts degree program.
Course progression requirements
The performance of deans scholars in arts will be evaluated at the end of each year. Students are expected to continue achieving at the same high level at which they entered the program (normally distinction level). Students who are unable to maintain the required level of performance in each year may forfeit their Deans Scholars Award.
This course consists of a compulsory arts major and arts minor, with additional studies chosen from a variety of arts disciplines.
For information on majors and minors, refer to the 'Areas of study' section in this Handbook at http://www.monash.edu.au/pubs/handbooks/aos/index-ug-byfaculty-arts.html.
Students complete:
(a.) an arts major (48 points)
(b.) an arts minor (24 points)
(c.) another first-year arts sequence (12 points)
(d.) another 12 points of arts at first, second or third-year level
(e.) additional units to make up a total of 144 points.
No more than 10 units (60 points) are to be completed at a first-year level.
Students must complete a minimum of 36 points at third-year level (across the duration of the degree).
Of the 144 points, 96 points must be in the structure outlined in steps (a.) to (d), and the remaining 48 points may be taken from disciplines in the Faculty of Arts or from disciplines outside the faculty. This means students can study a second major from the Arts faculty*, or a major (equivalent) from another faculty. A major from a faculty other than Arts usually requires the permission of that faculty.
* Including psychology units.
Award(s)
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Last updated: 18 September 2017 - Maintained by publications@adm.monash.edu.au - Accessibility information


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What Happened to the Eastern Bloc Countries After the End of the Cold War?
ANDREW MAY
... Christopher Furlong/Getty Images News/Getty Images
The Cold War was a political standoff between the Western allies of the North Atlantic Treaty Organization, or NATO, and the countries of the Warsaw Pact, often referred to as the "Eastern Bloc." The latter was dominated by the Soviet Union and included Poland, Czechoslovakia, Hungary, Romania, Bulgaria and East Germany. All of these countries underwent significant changes after the Cold War came to an end in 1991.
Breakup of the Soviet Union
Reunification of Germany
The Expansion of the European Union
New Members of NATO
1 Breakup of the Soviet Union
The Soviet Union ceased to exist in December 1991, following the collapse of its Communist government. Earlier the same year, the three Baltic republics of Lithuania, Latvia and Estonia had seceded from the union. With the formal end of the Soviet empire, the other constituent republics also became independent states. The largest of these is Russia; other former Soviet states include Ukraine, Belarus, Moldova and Georgia. The post-Soviet era saw a number of regional conflicts, including a short war between Russia and Georgia in 2008.
2 Reunification of Germany
During the Cold War period, West Germany and East Germany were two completely separate countries. They were reunited into a single Germany in October 1990. East Germany ceased to exist; it was absorbed into the Federal Republic of Germany, which was the official name for West Germany. The capital of the Federal Republic was moved from Bonn to Berlin, which was the capital of Germany before the Cold War. Geographically, Berlin was located in East Germany, although the city was split into Western and Eastern sectors by the infamous Berlin Wall. The destruction of the wall in 1989 is widely seen as marking the beginning of the end of the Cold War.
3 The Expansion of the European Union
The European Union, or E.U., began as an alliance of Western European countries, but it has since expanded to embrace many former members of the Eastern Bloc. Czechoslovakia split into two separate countries, the Czech Republic and Slovakia, in 1993; both these countries joined the E.U. in 2004. Hungary, Poland, Lithuania, Latvia and Estonia joined at the same time, with Bulgaria and Romania following in 2007. Three of the former Eastern bloc countries -- Slovakia, Estonia and Latvia -- have adopted the standard European currency of the Euro.
4 New Members of NATO
When NATO was set up at the start of the Cold War, one of the main reasons for its existence was to act as a military foil to the Eastern Bloc nations. It is ironic, therefore, that most of those countries are now members of NATO. Poland, Hungary and the Czech Republic joined in 1999, followed by Slovakia, Estonia, Latvia, Lithuania, Romania and Bulgaria in 2004. All of these countries were part of the "Coalition of the Willing" that liberated Iraq in 2003, as were a number of former Soviet republics including Georgia and Ukraine.
1 The Cold War Museum: Fall of the Soviet Union
2 The Cold War Museum: Reunification of Germany
3 North Atlantic Treaty Organization: A short history of NATO
4 European Union: Further Expansion
5 The Telegraph: Timeline: history of the European Union
Andrew May has more than 25 years of experience in academia, government and the private sector. A full-time author since 2011, he wrote "Bloody British History: Somerset" and "Pocket Giants: Isaac Newton" (to be published in 2015). He is a regular contributor to "Fortean Times" magazine, and also contributed to "30-Second Quantum Theory." May holds a Master of Arts in natural sciences from Cambridge University and a Ph.D. in astrophysics.
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