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Entrepreneurship is an extremely exciting and challenging job that is unmatched by any other. Every day could be presenting new opportunities and every day you may encounter a whole new challenge. Tackling new challenges and coming out victorious is the key to be a successful entrepreneur. Here are some of the challenges that come on the way of your entrepreneurial journey.
An entrepreneur cannot run a one-man show. and must delegate a few tasks or responsibilities to achieve greater efficiency and optimum productivity. You must hire or outsource the services of well-qualified, experienced and dedicated people. You may need to pay slightly higher salaries, but the time-saving factor would make up for it. You also must have a clear idea of what exactly you are looking for.
You have the confidence, determination, and the capacity to make a business click, but simply do not know what specific product or service to focus on selling. If you are not able to identify a prosperous niche, delegate this task to someone who is capable and strong in this field.
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Once the experts present their suggestions, determine which you would like to pursue and make the final choice. This will save you a tremendous amount of time, give your business more focus, and likely increase your livelihood, too.
You may encounter the challenge of deciding which would be the best marketing strategy for promoting your products or services. You need to identify the best marketing channel whether online, mobile, print or social media advertising. Your intention is to effectively maximize your ROI with a targeted marketing strategy.
Again, you must not waste time in fruitless deliberations; instead, acknowledge that specialized jobs must be entrusted to qualified professionals. If you think that you are not proficient in creating effective marketing plans and advertising strategies, outsource this specialized task to a marketing expert who will design a core marketing strategy that would boost your business visibility and lead to conversions. Specify a marketing budget and let the marketing specialist get back to you with a solid plan within your that budget rather than wasting valuable time and golden opportunities experimenting with what's best for you.
When you are starting your own entrepreneurial venture, you simply cannot consider it to be a get-rich-fast project. You must appreciate that it involves a lot of time and dedication to launch a new business, and even longer and more determination to run a profitable business in the end. Indeed, you may have to go through years of disappointments and losses before you witness and experience the fruits of the first profitable year. It is almost anticipated that you would be experiencing a shortage of business capital so you must become slightly more creative about raising funds. You could apply to the traditional financial institutions and banks for business loans or borrow funds from your family or friends, use your savings, and even develop income from a side job for investing in your new entrepreneurial venture.
Make sure that your business does not get hampered due to lack of cash. Nothing should come in the way of achieving your business goals, least of all shortage of funds. There are several ways of organizing cash for startups. Knock at the right door: Once you take out business loans or borrow money from friends and family, make sure that you are making the monthly repayments timely. Do not get into the vicious cycle of debts. If you find yourself sinking into insurmountable debts, browse debt settlement reviews online and take proactive steps at once.
Efficient cash flow management is pivotal to business growth and success and integral to the survival and success of a small business. Yet entrepreneurs are finding it really difficult to pay their bills as they are waiting for checks to arrive. This is an issue of delayed invoicing that is pretty common in the world of business. You are supposed to perform a task then send your invoice and wait a minimum of 30 days to get paid. But while you are doing that you are also expected to make your payments to your contractors, your employees, or mortgage, grocery bills, etc. If you wait to get paid before paying those bills, things could become really tough; and in the event a client fails to pay, you are at grave risk of losing everything.
Effective planning and meticulous budgeting are essential for maintaining smooth cash flow. A better way of boosting cash flow is to ask for a down payment for all your services or products. Make sure that the down payment would be covering everything including all your expenses relating to a particular project, plus some profit. When you ask for a down payment, you can then rest assured that you will not have to pay others' bills out of your own pocket; and by incorporating some profit into the down payment; you are just making sure that you can pay yourself, too.
Another effective strategy for boosting cash flow is to request faster invoice payments. Consider invoicing customers within fifteen days instead of thirty. Therefore, if a client is late on his payments, you will still have time to address the issue and actually get paid before the bills for the next month are due.
You may also consider attacking the cash flow issue from the opposite side of your equation. Request your vendors to submit invoices at an interval of 45, 60, or 90 days to allow adequate time for all your payments to come and all the customer checks to clear. You simply need to establish a strong bond and a good relationship with all your vendors, then explain your business strategy to them clearly. They would likely agree to work with you once they understand your motive behind the request. When they get their payments consistently, they will understand your point.
We have discussed some of the most common challenges faced by entrepreneurs in their journey toward a great vision. Everyone would not be encountering the same challenges. Entrepreneurs usually succeed in their mission only after facing challenges or experiencing failures. Remember, failures are the pillars of success. Creative and novel ideas often occur when confronted with difficulties. Once you understand that hard work will culminate in ultimate success, you will overcome all obstacles that come your way.
Isabella Rossellini is a marketing and communication expert. She also serves as a content developer with many years of experience. She has previously covered an extensive range of topics in her posts, including business and start-ups.


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Extermination Camps in Occupied Poland
Apr 6, 2013 | by Rabbi Joel Padowitz
A brief history of these infamous factories of death.
As soon as the Nazi party rose to power in 1933, it became common practice to intern anyone seen as a threat to the Party in concentration camps. The first of the inmates were "political prisoners" in the loosest sense of the term. These early camps were, in effect, prisons that provided the Reich with slave labour. Amongst the first to be opened were Dachau, located just outside of Munich (1933), and Sachsenhausen, a few miles north of Berlin (1936).
Although the camps built before the end of 1941 were supposedly intended to be labour or transit camps – designed to exploit, rather than exterminate their inmates – conditions in the camps were so brutal and inhumane, that the mortality rate was exceptionally high. Prisoners died from disease, malnutrition and exhaustion. Many were executed without due process, and some were subjected to medical experiments.
In the summer of 1941, Hitler ordered the "Final Solution to the Jewish question" – the extermination of all the Jews of Europe. Killing squads, known as Einstatzgruppen, followed the German army as it invaded the Soviet Union. In each newly conquered town or village, the entire Jewish community, including men, women, and children, was rounded up and marched to a nearby forest. There, they were forced to dig a large pit. After stripping off their clothing, they were shot into the mass grave.
The mobile death squads were considered too inefficient for killing large numbers of people. Shooting was too resource intensive for the Reich and too psychologically taxing on the murderers. Moreover, mass shootings attracted the attention of both the local populations and regular German soldiers, and rumours of the killings filtered back to Germany. As Hitler, wanted to hide his "Final Solution" from the German people and the world at large, an alternate plan for exterminating the large Jewish population of Poland was sought.
At the end of 1941, a new method of extermination was introduced in which victims were asphyxiated in the sealed compartment of a lorry into which carbon monoxide from the running engine was funnelled.
In 1941, the mobile killing squads murdered over a million Jews and thousands of Soviet partisans and Roma (Gypsies). However, the Germans estimated there were some 11 million Jews in Europe, and they sought to annihilate them all. A more efficient plan was needed.
These camps were intended for one purpose only: to facilitate genocide.
In January of 1942, top Nazi officials gathered at a resort on the shores of Lake Wannsee, near Berlin, to coordinate a network of "killing centres" where millions of Jews and other enemies of the German Reich could be executed efficiently and secretly. These death camps would differ in purpose and function from the existing concentration camps.
In late 1941 and early 1942, the Nazis opened five death camps in Poland: Belzec, Sobibor, Treblinka, Chelmno, and Auschwitz-Birkenau. These camps were not intended as labour camps, nor as prisons for punishing criminal actions. They were intended for one purpose only: to facilitate genocide – the annihilation of the Jewish People and other "undesirables."
The death camps were quite literally factories of death. The vast majority of those who entered their gates were killed within hours of their arrival. Jews were transported to the camps by train and trucks. Upon their arrival, they were met by guards who explained that they would be bathed and disinfected before entering the camp. The Jews were forced to relinquish their valuables and to undress. The women's hair was shaved. They were then crowded into sealed chambers into which poisonous gas was released, initially using the same carbon monoxide method as had been used in the mobile vans.
Execution was postponed for a few of the strongest and healthiest who were first exploited as slaves. These so-called Sonderkommando – literally, "special unit", a term consistent with the Nazi practice of euphemism and deception – were forced to assist in the most dreadful of tasks such as removing their lifeless brethren from the gas chambers, and burning their bodies. The clothing, hair, and personal effects of the victims were collected and sorted by Sonderkommando, and then sent to Germany. Most of the victims of these camps were Jews, but many others, including many Roma (Gypsies), were executed as well.
The first death camp was opened on an abandoned estate in the town of Chelmno, about an hour northwest of Lodz. Its function was the liquidation of the substantial Jewish population of Lodz and its environs.
The SS and its auxiliaries began killing operations at Chelmno on 8 December 1941. The first people brought to the camp to be murdered were the 2,000 Jews who lived in the nearby town of Kolo. They were brought to Chelmno in stages by truck. Upon arrival, they were instructed to undress, and then were led out the back of the manor into the rear-end of a large lorry where they were asphyxiated by carbon monoxide. The lorry then transported the dead bodies to the forest where they were buried and later dug up and burned.
Beginning in January 1942, Jews were taken from the Lodz ghetto to their deaths at Chelmno. These included Jews from Germany, Austria, Bohemia, Moravia, and Luxemburg who had been interned in Lodz. Many Roma were sent to Chelmno as well. Although the facility was closed in March 1943, it was reopened in the summer of 1944 for the final liquidation of the ghetto.
The secretary of the local council, Stanislaw Kaszynski, and his wife tried to bring public attention to what was being perpetrated at the camp. In late January, 1942, they were arrested, and executed three days later.
Family members say goodbye to a child through a fence at the ghetto's central prison where children, the sick, and the elderly were held before deportation to Chelmno during the "Gehsperre" action. Lodz, Poland, September 1942.
OPERATION REINHARD
Operation Reinhard was the code name given to three extermination camps – Belzec, Sobibor, and Treblinka – established for the sole purpose of exterminating the approximately two million Jews then living in the General Government district (the unannexed part of Poland taken over by the Germans during World War II.) The guards in all three camps were Soviet prisoners of war or Polish civilians. The SS trained these guards to be ruthless killers.
Operation Reinhard ended in November 1943 – after almost all of Polish Jewry had been annihilated.
These camps were designed to hide their true function from both the outside world and their victims. The reception area and the killing centre (including gas chambers and mass graves) were separated by a narrow, enclosed passage known as "the tube." After undressing and handing over their valuables, the prisoners were forced to run naked from the reception area through the tube into the gas chambers. The camps were surrounded by barbed wire fences interwoven with branches and surrounded by trees to camouflage them.
In 1943, the Sonderkommando in both Sobibor and Treblinka, revolted. Those few who managed to escape and evade recapture were virtually the only survivors of Operation Reinhard, which murdered some 1.7 million Jews between March 1942 and October 1943. Operation Reinhard ended in November 1943 – after almost all of Polish Jewry had been annihilated.
Concurrent with the latter phase of Operation Reinhard was "Aktion 1005" which was designed to remove all traces of the mass murders. In each camp, prisoners were forced to exhume mass graves and cremate the buried bodies, using giant grills made from wood and railway tracks. Afterwards, bone fragments were ground up in specialized milling machines and all remains were then re-buried in freshly-dug pits. For this reason, when visiting the Operation Reinhard camps, there is virtually nothing left to see of the camps themselves.
Originally established in 1940 as a labour camp, Belzec was converted to a death camp in late 1941, making it the first of the Operation Reinhard camps to go into operation. It would also serve as the model for the two others.
The wooden gas chambers were disguised as the barracks and showers of a labour camp, so that the victims would not realize the true purpose of the site. To pre-empt revolt, the process was conducted as quickly as possible: people were forced to run from the trains to the gas chambers, leaving them no time to absorb where they were or to plan a revolt. A handful of Jews were selected to be Sondercommandos who would perform all the manual work involved with extermination: removing the bodies from the gas chambers, burying them, sorting and repairing the victims' clothing, etc. These workers were periodically killed and replaced by new arrivals, so that they too could not organize a revolt.
Only two Jews are known to have survived Belzec: Rudolf Reder and Chaim Hirszman.
Between March and December 1942, approximately 434,500 Jews from Lvov, Lublin, and their surrounding areas, were murdered there. In total, the death camp operated for about 13 months during which a shocking 600,000 people were gassed. In the spring of 1943, the camp was dismantled and converted into a farm, which was tended by a former guard.
Located in the Lublin district in eastern Poland, Sobibor was established in May 1942. Jews were transported to the camp from Lublin, Moravia, Moldavia, Slovakia, France, the Netherlands, and the ghettos of Belarus and Vilna.
The camp operated in a similar fashion to Belzec. Trains entered the railway station and the Jews onboard were told they were in a transit camp. They were forced to undress and hand over their valuables before being led along the 100-metre-long "Himmelstrasse" (Road to Heaven), which led to the gas chambers. There they were gassed using carbon monoxide released from the exhaust pipes of a dismounted tank engine.
Sobibor was the site of one of two successful uprisings by Jewish prisoners in Nazi extermination camps. There had been a similar revolt at Treblinka on 2 August 1943. (A revolt at Auschwitz-Birkenau in October 1944 led to one of the crematoria being blown up, but nearly all the escapees were killed.)
On 14 October 1943, members of the Sobibor underground succeeded in covertly killing eleven German SS officers and a number of camp guards. The uprising began in the tailor shop and the shoemakers' room where r the Commander in chief of the camp and the head of the Ukrainian guards were knocked out and relieved of their weapons. Although the plan was to kill all the SS and walk calmly out of the main gate of the camp, the killings were discovered and the inmates had to run for their lives under heavy machine-gun fire from guards.
Fewer than 300 out of the 500 prisoners in the camp succeeded in escaping to the forests. Many died in the minefields surrounding the site, and some were recaptured and executed by the Germans in the next few days. Only 50 to 70 escapees survived the war.
The day after the uprising, the camp was closed. Estimates of the number of Jews killed in Sobibor are as high as 250,000. There are very few survivors. Thomas "Toby" Blatt is one of them. He was the only living witness from Sobibor in the 2009/2010 Demjanjuk trial.
In 1941, a labour camp was established near the town of Treblinka in northeast Poland. The camp continued to function until 1944. In July 1942, a death camp known as Treblinka II, together with the Warsaw-Bialystok railway line, were built near the labour camp. The two camps functioned under different authorities but worked in tandem; prisoners at the death camp who were selected for work were transferred to the labour camp, and prisoners of the labour camp who could no longer work were sent to the death camp.
In the two months from July to September 1942, approximately 265,000 Jews were transported from the Warsaw ghetto to their deaths in Treblinka. From August to November of the same year, about 340,000 Jews were transported to Treblinka from the Radom district. Until May 1943, thousands more arrived at Tre
blinka from Bialystok, Greece, and Macedonia. In total, nearly 900,000 Jews were murdered at Treblinka between July 1942 and November 1943. Upon its closure in the fall of 1943, the Nazis destroyed the entire camp in an effort to conceal all traces of their crimes.
Auschwitz has come to symbolize the Holocaust. Its infamy derives from the sheer enormity of the "killing complex" and the number of people murdered there. Auschwitz was comprised of three camps and numerous sub-camps. The main camp, known as Auschwitz I, was opened in May 1940 as a concentration and labour camp.
Four new gas chambers using Zyklon-B were opened in early 1943.
The Nazis first experimented with the use of Zyklon-B in the Auschwitz gas chambers in the summer of 1941. Though certain targeted groups were gassed there, Auschwitz I remained, in essence, a concentration and labour camp. In the spring of 1942, a second camp, created within the Auschwitz complex, was designated as a killing centre, and was the final destination for all Jews from areas not included in Operation Reinhard. This camp was known interchangeably as Auschwitz II or Birkenau. Birkenau was originally equipped with two gas chambers. Four new gas chambers using Zyklon-B were opened in early 1943. Alongside the gas chambers were crematoria – ovens to burn the bodies.
Immediately upon their arrival at Auschwitz, the victims were subjected to a selection process. It was here that the notorious Doctor Mengele plied his murderous trade. Those selected for work were sent to one of its many associated labour camps. Those deemed unfit to work were immediately sent to the gas chambers.
The conditions in the labour camps were unbearable, and prisoners who did not pass daily selections were gassed. Unlike the other death camps, Auschwitz-Birkenau itself functioned as both a concentration camp and an extermination camp. There were many individual acts of resistance and defiance by the prisoners; in October 1944, the Jewish Sonderkommando revolted, destroying one of the crematoria.
Between 1942 and 1944, transports of Jews arrived in Auschwitz from every part of Nazi-controlled Europe. Many Jews were transferred from other concentration camps to the killing centre at Birkenau. After the closure of the three Operation Reinhard camps in late 1943, Auschwitz-Birkenau was to be the final destination for all the remaining Jews of Europe.
All four gas chambers at Birkenau were put into round-the-clock use in the spring and summer of 1944 to wipe out Hungary's Jews and the last survivors of the ghettos. At this point, up to 6,000 Jews a day were being put to death in each of them. By the time the gas chambers were destroyed in November 1944, over one million Jews had been murdered at Auschwitz, most of them immediately upon arrival. Tens of thousands of Poles, Roma, and prisoners of war were also killed there. The camp was liberated by the Soviets on 27 January 1945.
Excerpted from Triumph and Tragedy: Journeying Through 1000 Years of Jewish Life in Poland. The book includes more than two dozen biographical vignettes of Jewish Poland's most significant personages, comprehensive, succinct profiles of the 24 most-visited sites of Jewish interest in Poland, and invaluable tools for understanding the Holocaust.
A Factory for Death
Poland, Women & the Holocaust
Poland, Guilt and the Holocaust
Rabbi Joel Padowitz
Rabbi Joel Padowitz, MBA CFA is a successful entrepreneur who has been involved adult Jewish education for nearly 20 years, specializing in the interface between traditional Judaism & modernity. Rabbi Padowitz is the founder and CEO of New York-based investment bank Palladium Capital Advisors, which is one of the top-25 most active placement agents in the USA. In 2009 he founded Jew IQ which develops mobile applications, content, and curricula for Jewish education and travel. He is also the author of Triumph and Tragedy: Journeying through 1000 Years of Jewish Life in Poland. Rabbi Padowitz gives regular classes in Talmud, Jewish thought, and Jewish law, and previously served as rabbi for Aish HaTorah's young professional community in London. He is an award-winning speaker and writer whose articles have been published widely in mainstream Jewish media. Aside from rabbinic ordination, he received his MBA from Bar Ilan University where he finished first in his class, holds the Chartered Financial Analyst (CFA) designation, and was honored at the White House by President George H.W. Bush for outstanding achievements in science.
(4) Erick, November 10, 2013 11:02 PM
nationality of the Guards
great article, but it consists of some misleading informations. It says, guards were Soviets POW and Polish civilians. If there were any Soviet POW, they were part of Waffen SS units consisting of Ukrainians or other auxiliary military units volenteering to fight on German side. Polish civilian guards is a more problematic issue. They were citizens of Poland before the German occupation, just like many Arabs are the citizens of Israel today. Those civilian guards were Polish Germans who signed the Volkslist, thus renouncing their allegation to Polish nation. It is like calling Arab terrorists Isrealis, just because they are citizens of Israel. If the article means the infamous Kapos of the camps, they were the prisoners cooperating with nasiz and they could be of any nationality including Jewish.
(3) Annie Register, September 16, 2013 8:22 AM
Pure Evil!
My heart breaks for what the Jewish people went through at these 'camps', rounded up like animals, starved, beaten, forced to work, and then gassed. And all this didn't happen thousands of years ago, but in the 1940's, terrible unjustice!
(2) yaakov ainoris, June 24, 2013 7:10 PM
To many poles litva and ukrainians gladly helped nazis during and after ww2.... So much so we had to be putin displaced persons camps for years after ww2....I as well as many others hold majority of the people of these countries responsible not just germany.....explain why today you cannot walk around most of europe with yamulke on? America and Israel and it seems the new Russa are safe...but europe is eternally evil andantisemitism is on the rise again there and its not just arabs...
Hennie, November 7, 2013 3:14 AM
Yaakov has put in one sentence what is so true
Europe never changes
(1) Anonymous, April 8, 2013 5:08 AM
Great article, but don't like the title
I think the title should be "Extermination camps in Poland" and not "Poland's Extermination Camps". The camps were in Poland because that is where the greater part of Jewry lived.
Rafal, April 8, 2013 6:29 PM
Camps were in OCCUPIED Poland
Poland did not exists during the WW2 so the current title is still a bit misleading and should be corrected to: Extermination Camps in occupied Poland I think one word is not so much if you want to make the truth obvious for everyone. If those extermination camps were run by Nazi Germany in Israel, would you use a similar title? Extermination camps in Israel or rather Nazi Extermination camps in occupied Israel? Please reconsider this because Poland suffered a lot during the WW2 and by similar mental shortcuts still suffers. Many years ago it was a friendly place for Jews but it was invaded by another country that destroyed it.
Yoni, April 8, 2019 3:36 AM
Anti Semitic Poland
It's not true that Poland "was a nice place for the Jews that was invaded by another country ". Throughout the ages Poland was a killing ground for Jews as is well documented with the many pogroms and blood libels. The polish anti semites reveled in their chance to destroy the Jews as is evidenced in the movie "Neighbors". Once the nazis allowed anti Semitic indiscriminate killings, the polish took full advantage of their opportunity to kill the Jews. Shame on the poles! The only difference between the Polish and the Nazis is that the Nazis had power and the Poles we're a defeated people. But they were united in their mission to kill the Jews.
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In news September 20, 2018 By Editor
GENEVIEVE NNAJI TALKS ABOUT HER NEW MOVIE 'LION HEART' IN AN INTERVIEW WITH CNN
Veteran actress and director, Genevieve Nnaji, spoke on CNN as a guest of Richard Quest on his Tuesday night show. She explained how difficult it was for her to get funding for the production of her directorial debut movie 'Lion Heart' which was acquired by Netflix.
"For money, we had to self-fund unfortunately, she says, we don't have adequate funding for movies that we actually intend to go global, there isn't that provision yet."
She also mentioned the reason the movie made history as the first one to be acquired by Netflix.
In her words,
"I think the authenticity of the story, which is what I loved about it. It provided an environment which showcases things that makes me proud of our culture, talents, values and the story speaks for itself plus, we focused on the quality this time."
Genevieve also shared her thought about Nollywood going global. She said,
"What I discovered was that everyone was able to relate to the story at the cinema. I"ve realized that language was the only barrier that we have. We can all identify with culture, pain and love. Our stories are very similar and I think its important that we stay true to ourselves. It was amazing. We had a very diverse crowd and everybody was able to relate to it. It was remarkable, the kind of accolades I got for the film."
CNNGenevieveinterviewNetflixNollywoodNollywood ActressRichard Quest


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The Daily Moth 5-6-2019
Top News Briefs: Prince Harry and Meghan Markle give birth to baby boy; Michael Cohen reports to federal prison; Kentucky Derby ends with historic disqualification; Two plane incidents in Florida and Russia; World News Briefs: North Korea missile launch; Israel and Gaza reach ceasefire after airstrikes; "Victory!" Australia grants immigrant family with deaf son permanent residency; Guest #deafbing: T.P. PLEASE
Hello, welcome to the Daily Moth! It is Monday, May 6. Ready for news?
Top News Briefs: Prince Harry and Meghan Markle give birth to baby boy; Michael Cohen reports to federal prison
Here are two top news briefs.
The first — Prince Harry and Meghan Markle have given birth to a baby boy. He weighs 7 lbs, 3 oz.
Prince Harry told the media that he is very proud of Meghan and that she and their son are doing very well. The baby's name is not yet known.
The second news — Michael Cohen has reported to a federal prison in Otisville, New York to begin his three-year sentence for tax evasion, lying to a bank, and for campaign finance violations related with hush money payments to women who claimed to have affairs with Donald Trump.
Cohen said there is still much to be told and that he looks forward to the day that he can share the truth.
https://www.yahoo.com/lifestyle/boy-meghan-markle-prince-harry-welcome-first-child-royal-baby-details-134513167.html
https://www.cnn.com/2019/05/06/politics/michael-cohen-goes-to-prison/index.html
Kentucky Derby ends with historic disqualification
Kentucky Derby is a horse race that started way back in 1875 so last Saturday was the 145th race. The Kentucky Derby is usually referred as "the most exciting two minutes in sports."
Last Saturday, for the first time in 145 years, a rider was disqualified for interference.
A Panamanian jockey, Louis Saez, was riding his horse, named Maximum Security. He came in 1st place. He thought he won. A few jockeys called the stewards (people who are responsible to ensure all participants are following the rules in horse races), to object about Maximum Security's foul move. The stewards reviewed the videos and agreed to penalize Maximum Security which moved the horse to 17th place. The stewards said that Maximum Security, the horse, violated a rule that the horse was not in its own lane. The horse moved out of its lane, cutting off another horse. A video shows Maximum Security's back legs in between the other horse's front legs.
So, the second place winner became the first -- a French jockey Flavian Pratt with his horse, Country House.
The Daily Moth reached out to a witness, Mary Alice Gardner, who was at the event and saw the whole thing. Here is a video.
MARY ALICE GARDNER: Hi! It's May 4, 2019. I'm here in Louisville, Kentucky at Churchill Downs. Me and my friend Connie just sat and watched the 145th race of the Kentucky Derby.
(Clip of people in stands watching horses race)
GARDNER: There was a lot that happened. And the winner was someone who was disqualified. It's the first time in history it happened! It's a great memory. People were enraged. There was loud booing.
Renca: Mary Alice mentioned afterwards that she found out why the people were booing. They were booing at the Kentucky governor who presented the award, not at the rider. There were disappointed people who turned to be happy and happy people who turned to be disappointed when Pratt won. Thank you Mary Alice for sending in the video.
The next race, called the Preakness Stakes, will be on May 18th in Baltimore, Maryland.
https://www.cnn.com/2019/05/04/sport/kentucky-derby-maximum-security/index.html
https://www.msn.com/en-us/travel/news/2019-kentucky-derby-ends-in-historic-disqualification/vp-AAAUHZm
Two plane incidents in Florida and Russia
Two sad incidents related with airplanes happened last weekend.
The first incident happened in Jacksonville, Florida at the Naval Air Station Jacksonville on Friday night. A military chartered plane landed on the runway, but ended up slipping off and onto the shallow part of St. Johns River. This plane had 136 people and 7 crew members. The passengers were active duty military members, civilian government employees, and their family members. Everyone survived and a few passengers have minor injuries.
Unfortunately, the pets that were on the plane seemingly did not. The pets (cats and dogs) were in crates under the plane. The rescuers did attempt to find them, but did not hear or see any noise from the pets. So, it is assumed that the pets drowned underwater. There were 4 pets listed for the plane, but could be more. The police said that they will have to wait until the plane is out of water.
The data recorder has been sent to Washington to be examined for more information.
The second incident happened yesterday (Sunday) in Moscow, Russia. A Russian airline, Aeroflot, burst into flames when it landed. The Sukhoi Superjet had 73 passengers and 5 crew members. They asked for an emergency landing because there was fire on board. It seems the hard landing caused more flames to burst.
At least 41 people including 2 children and a person from USA died from the fire. The other passengers were able to escape through the exits. Russian President Vladimir Putin ordered a "thorough investigation."
https://www.cnn.com/2019/05/04/us/jacksonville-plane-skids-into-river/index.html
https://www.usatoday.com/story/news/nation/2019/05/04/pets-still-not-found-plane-crashed-landed-jacksonville/1100509001/
https://www.usatoday.com/story/news/world/2019/05/05/deadly-fiery-moscow-jet-landing-caught-on-video/1112076001/
https://www.cnn.com/2019/05/05/europe/russia-airplane-fire/index.html
World News Briefs: North Korea missile launch; Israel and Gaza reach ceasefire after airstrikes
Here are two world news briefs.
The first — North Korean government said they tested a short-range ballistic missile. Kim Jong Un was there and watched the launch.
It is not the same kind of missile that North Korea often launched in 2017 and before -- those were long-range missiles.
This will put pressure on U.S. President Donald Trump to consider a response as he has been trying to reach a peace deal with North Korea that requires denuclearization.
The second — there were rocket and military attacks between Israel and Gaza last weekend.
News reports say groups in the Gaza side fired 600 projectiles into Israel, killing at least four Israeli civilians.
Israeli military forces responded with air strikes. At least 23 Palestinians, including two pregnant women and two babies, died.
There is now a ceasefire. It was the worst fighting since 2014 between the two sides, Gaza and Israel.
https://apnews.com/3fd9ee2da3054e7487903e5e3d98f6b6
https://www.axios.com/gaza-conflict-israel-lifts-restrictions-palestinians-say-truce-reached-8516ff05-331d-42c3-9d1f-88e7a191b017.html
https://www.nytimes.com/2019/05/05/world/middleeast/gaza-rockets-israel-palestinians.html?module=inline
"Victory!" Australia grants immigrant family with deaf son permanent residency
The Guardian reported that a family of four from Bhutan with a deaf son who was facing deportation from Australia has been granted permanent residency.
The deaf son is Kinley Wangchuck (18). In March, the country's immigration authorities said the family couldn't get permanent residency visas because the deaf son's disability was permanent and would cost taxpayer money.
There was pushback with a change.org petition with over 51,000 signatures to support the family.
A senator who uses a wheelchair, Jordon Steele-John, said the decision to deport the family was a disgrace. There was a lot of advocacy.
After a few weeks, Australia's immigration minister, David Coleman decided to grant the family permanent residency.
The mother, Jangchu Pelden, told The Guardian that she just found out about this on Friday and that they all are so happy to be out of this stress. She said she couldn't believe it and thought it was a scam at first.
The Guardian explained that the family have lived and worked in Australia since 2012 and that the deaf son grew up without a language but after moving, learned Australian Sign Language (Auslan).
The person who started the petition, David Randall, who is a retired teacher for deaf children, posted an update with the headline, "Victory!" He said the family are eternally grateful for the support they have been given.
Senator Steele-John tweeted that it was incredible news, but said laws needed to be changed.
[@Jordonsteele: "This is absolutely incredible news for the Wangchuck family. It's time to change this law - will @AustralianLabor & @LiberalAus commit to making sure this situation never happens again? #AusPol#AusVotes."]
So, this is a happy ending for this family. The mother works in childcare and the father works in aged care. They have a hearing son, who is 17.
https://www.theguardian.com/australia-news/2019/may/05/family-who-faced-deportation-from-australia-because-of-deaf-son-granted-permanent-residency
https://www.facebook.com/TheDailyMoth/videos/2237027666563652/?v=2237027666563652
https://twitter.com/Jordonsteele/status/1124497390449201152
https://www.change.org/p/let-kinley-and-his-family-stay-in-australia/u/24508579
Guest #deafbing: T.P. PLEASE
That is all for this week! Thank you for watching The Daily Moth. Have a wonderful weekend and stay with the light!
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Heinrich Ernst Rose (* 12. Juni 1821 in Nöschenrode; † vor 1893) war ein deutscher Marmormeister und Fotograf.

Leben
Ernst Rose wurde als Sohn des im Dienst der Grafen zu Stolberg-Wernigerode stehenden Bergmanns Johann Heinrich Rose auf der Voigtstiegmühle, die in jener Zeit auch als Marmormühle zum Schleifen des am Hartenberg bei Elbingerode (Harz) gebrochenen Marmors genutzt wurde, geboren. Johanne Marie Sophie geborene Volmer war seine Mutter.

Wie sein Vater wurde Ernst Rose zunächst gräflich-stolberg-wernigerödischer Bergmann. Doch sein erlernter Beruf hatte in der Mitte des 19. Jahrhunderts keine Zukunftschancen. Der Bergbau in der Montanregion Harz lohnte sich kaum noch und immer mehr Bergwerke, darunter auch das, in dem Ernst Rose beschäftigt war, kamen zum Erliegen.

Rose suchte daher nach einer anderen Verdienstmöglichkeit. Nachdem in den 1840er-Jahren auch im deutschsprachigen Raum erste Fotoateliers eröffnet wurden, begann sich auch Rose für das neue Medium der Fotografie zu interessieren. Ende der 1850er-Jahre richtete er in seinem Geburtshaus das erste Fotoatelier in Stadt und Grafschaft Wernigerode ein. Er nannte es Photograph. Atelier für Portrait und Landschaften. Im Jahr 1864 wurde er als "Marmormeister in Voigtstieg bei Wernigerode" in den Photographischen Verein zu Berlin aufgenommen. Schon bald erhielten seine Fotografien regen Zuspruch, so dass er zuerst in Quedlinburg und dann in Thale zusätzliche Filialen eröffnete. Neben Porträts, die er in seinen drei Fotoateliers anfertigte, trat er vor allem mit Landschaftsaufnahmen aus dem Harz an die Öffentlichkeit, die heute zu den frühesten dokumentarischen Fotos dieser Landschaft zählen.

Seit den 1890er-Jahren erschienen mehrere seiner Fotos in hoher Auflage auf Ansichtskarten und fanden somit eine größere Verbreitung.

Am 29. April 1849 heiratete Ernst Rose in der Schlosskirche Wernigerode Johanne Louise Charlotte geborene Basse. Aus der Ehe ging der Sohn Friedrich (Fritz) Rose hervor, der ebenfalls den Beruf eines Fotografen erlernt hatte. Mit Zunahme des Harzer Tourismus verlegte dieser das vom Vater übernommene Fotoatelier aus dem Mühlental in das Gebäude Nicolaiplatz 1 im Stadtzentrum von Wernigerode. Nach seinem Tod ging dieses Fotoatelier an die Fotografin Hildegard Riekewolt.

Weblinks
 Ernst Rose bei Photospuren
 E. Rose bei Fotorevers

Einzelnachweise

Fotograf (19. Jahrhundert)
Fotograf (Sachsen-Anhalt)
Person (Wernigerode)
Deutscher
Geboren 1821
Gestorben im 19. Jahrhundert
Mann

redpajama_set_name: RedPajamaWikipedia


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£400 million funding cut to libraries, museums, and arts
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More than 20 libraries to close in Lancashire
Lancashire County Council is set to close more than 20 libraries, it has emerged A number of libraries across Lancashire are set to close, the county council has confirmed. The news comes after a consultation into the fate of libraries across the county, which received more than 7,000 responses. The subsequent...
Sunderland Council could raise £500,000 selling off libraries
Sunderland City Council considers selling local libraries in a bid to raise £500,000. Facing tough budget cuts, Sunderland City Council has said selling libraries could raise much needed cash for the city. The council has been selling off a number of its assets in an attempt to save £100m after government...
Wirral libraries are under threat
Wirral Council will consider plans to seek help from volunteers to prevent the closure of library sites throughout the borough. Wirral Borough Council's cabinet is being asked to approve plans to seek outside help from volunteers to maintain library sites throughout the borough. The council has been forced to cut...
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text:
800 user 475 critic
PG-13 | 2h 2min | Action, Adventure, Sci-Fi | 22 July 2016 (USA)
The crew of the USS Enterprise explores the furthest reaches of uncharted space, where they encounter a new ruthless enemy, who puts them, and everything the Federation stands for, to the test.
Simon Pegg, Doug Jung | 1 more credit »
Chris Pine, Zachary Quinto, Karl Urban | See full cast & crew »
Watch on Prime Video rent/buy from $2.99
From metacritic.com
800 user | 475 critic
279 ( 419)
20 January 2020 | The Wrap
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Search for "Star Trek Beyond" on Amazon.com
Title: Star Trek Beyond (2016)
50's-60's Science Fiction/Fantasy Television Show You Are Most Ashamed You've Never Seen
Best Third Installment in Movie Franchise
Emmy Nominees for Outstanding Drama Series from the '60s
Colorful Movie Posters
Best Space Movies Ever
Oscars 2017 — A Single Nomination
Nominated for 1 Oscar. Another 3 wins & 27 nominations. See more awards »
Star Trek Into Darkness (2013)
Action | Adventure | Sci-Fi
After the crew of the Enterprise find an unstoppable force of terror from within their own organization, Captain Kirk leads a manhunt to a war-zone world to capture a one-man weapon of mass destruction.
Director: J.J. Abrams
Stars: Chris Pine, Zachary Quinto, Zoe Saldana
The brash James T. Kirk tries to live up to his father's legacy with Mr. Spock keeping him in check as a vengeful Romulan from the future creates black holes to destroy the Federation one planet at a time.
Stars: Chris Pine, Zachary Quinto, Simon Pegg
Star Trek: First Contact (1996)
Action | Adventure | Drama
The Borg travel back in time intent on preventing Earth's first contact with an alien species. Captain Picard and his crew pursue them to ensure that Zefram Cochrane makes his maiden flight reaching warp speed.
Director: Jonathan Frakes
Stars: Patrick Stewart, Jonathan Frakes, Brent Spiner
With the assistance of the Enterprise crew, Admiral Kirk must stop an old nemesis, Khan Noonien Singh, from using the life-generating Genesis Device as the ultimate weapon.
Director: Nicholas Meyer
Stars: William Shatner, Leonard Nimoy, DeForest Kelley
Star Trek: Nemesis (2002)
The Enterprise is diverted to the Romulan homeworld Romulus, supposedly because they want to negotiate a peace treaty. Captain Picard and his crew discover a serious threat to the Federation once Praetor Shinzon plans to attack Earth.
Director: Stuart Baird
Star Trek: Generations (1994)
Action | Adventure | Mystery
With the help of long presumed dead Captain Kirk, Captain Picard must stop a deranged scientist willing to murder on a planetary scale in order to enter a space matrix.
Director: David Carson
Stars: Patrick Stewart, William Shatner, Malcolm McDowell
Star Trek: Insurrection (1998)
When the crew of the Enterprise learn of a Federation conspiracy against the inhabitants of a unique planet, Captain Picard begins an open rebellion.
Star Trek VI: The Undiscovered Country (1991)
On the eve of retirement, Kirk and McCoy are charged with assassinating the Klingon High Chancellor and imprisoned. The Enterprise crew must help them escape to thwart a conspiracy aimed at sabotaging the last best hope for peace.
Star Trek IV: The Voyage Home (1986)
Adventure | Comedy | Sci-Fi
To save Earth from an alien probe, Admiral James T. Kirk and his fugitive crew go back in time to San Francisco in 1986 to retrieve the only beings who can communicate with it: humpback whales.
Director: Leonard Nimoy
Star Trek: The Motion Picture (1979)
Adventure | Mystery | Sci-Fi
When an alien spacecraft of enormous power is spotted approaching Earth, Admiral James T. Kirk resumes command of the overhauled USS Enterprise in order to intercept it.
Director: Robert Wise
Star Trek III: The Search for Spock (1984)
Admiral Kirk and his bridge crew risk their careers stealing the decommissioned Enterprise to return to the restricted Genesis Planet to recover Spock's body.
Star Trek: The Original Series (1966–1969)
In the 23rd Century, Captain James T. Kirk and the crew of the U.S.S. Enterprise explore the galaxy and defend the United Federation of Planets.
Chris Pine ... Captain James T. Kirk
Zachary Quinto ... Commander Spock
Karl Urban ... Doctor 'Bones' McCoy
Zoe Saldana ... Lieutenant Uhura
Simon Pegg ... Montgomery 'Scotty' Scott
John Cho ... Sulu
Anton Yelchin ... Chekov
Idris Elba ... Krall
Sofia Boutella ... Jaylah
Joe Taslim ... Manas
Lydia Wilson ... Kalara
Deep Roy ... Keenser
Melissa Roxburgh ... Ensign Syl
Anita Brown ... Tyvanna
Doug Jung ... Ben
After stopping off at Starbase Yorktown, a remote outpost on the fringes of Federation space, the USS Enterprise, halfway into their five-year mission, is destroyed by an unstoppable wave of unknown aliens. With the crew stranded on an unknown planet and with no apparent means of rescue, they find themselves fighting against a ruthless enemy with a well-earned hatred of the Federation and everything it stands for. Only a rebellious alien warrior can help them reunite and leave the planet to stop this deadly menace from beginning a possible galactic war. Written by Paramount Pictures
Plot Summary | Plot Synopsis
star trek | third part | stranded | survivor | alien language | See All (407) »
Action | Adventure | Sci-Fi | Thriller
Rated PG-13 for sequences of sci-fi action and violence | See all certifications »
USA | China | United Arab Emirates | Canada
22 July 2016 (USA) See more »
Star Trek 3 See more »
Vancouver, British Columbia, Canada See more »
$185,000,000 (estimated)
$59,253,211, 24 July 2016
Paramount Pictures, Skydance Media, Alibaba Pictures See more »
Dolby Atmos | DTS (DTS: X)| Dolby Surround 7.1 | Dolby Digital | Sonics-DDP (IMAX version)| IMAX 6-Track | 12-Track Digital Sound (IMAX 12 track)| Auro 11.1
Dr. McCoy and Captain Kirk share an early birthday drink where McCoy toasts to "perfect eyesight and a full head of hair". This is a reference to Star Trek II: The Wrath of Khan (1982) where Kirk needed glasses, as well as William Shatner's toupée. See more »
While it seems convenient that the Franklin worked so well for the crew of the Enterprise when the original crew was unable to repair it, there are a few things to take into consideration. When the crew of the Franklin gave up attempting to repair the ship they instead began to use the nebula and the drones to lure and attack nearby ships. If Jaylah and the aliens she saved Scotty from are anything to go by, they have been doing this for a while to a large variety of ships. We don't actually know how old Jaylah was when she found herself alone on the planet, nor how old she is now. It is entirely possible that, at the time her ship was destroyed, she was old enough to have been taught a few basics of engineering that, with time and a little natural genius not to mention extreme necessity, she was able to turn into a working a knowledge. While we don't know how long she has been there, it is obvious from her initial encounter with Scotty that she has spent at least a portion of her time scavenging parts from the ships Krall and his crew rain down on the planet and bringing them back to her "house" aka the Franklin. While it may seem surprising that she was able to repair the Franklin when its crew could not, she was only able to do so once Krall and his men, aka the Franklin's original crew, began to lure ships to the planet for her to salvage. By the time she had enough parts to repair the vessel. it is safe to assume that they had completely abandoned all thought of returning to their original ship and heading home. It is unclear exactly how much time the crew of the Enterprise spends on the planet, but at least one full day passes, the majority of which Scotty spends on the Franklin. Considering that Jaylah has spent a considerable number of years patching up the systems on the Franklin with whatever salvage she can find, and also taking into consideration Scotty's well-established genius, it is not entirely surprising that he was able to take it the last leg and repair it completely. See more »
Captain James T. Kirk: How are we gonna get out of this one, Spock? We've got no ship, no crew. Not the best odds.
Commander Spock: We will do what we have always done, Jim. We will find hope in the impossible.
There are no opening credits, making this the fourth consecutive Star Trek film that does not list its cast at the beginning. See more »
Referenced in AniMat's Crazy Cartoon Cast: John Lasseter's Failed Comeback (2019) See more »
Written by Sia (as Sia Furler), Jesse Shatkin and Rihanna (as Robyn Rihanna Fenty)
Produced by Jesse Shatkin
Performed by Rihanna
Courtesy of Westbury Road Entertainment, LLC. / Roc Nation
Q: How does the movie end?
Q: Why would Edison become captain of a warp-4 vessel if he had fought in the Xindi War (when ships were capable of warp 5)?
Q: What happened to Carol Marcus from Star Trek Into Darkness?
The best of the recent Star Trek films
8 November 2016 | by thetruemrwalker – See all my reviews
I must admit I am not in any way a Trekkie, but I have seen quite a few of the the Star Trek movies, and in my opinion, Star Trek Beyond, was in many ways celebrating what Star Trek is all about and having fun with it in a very entertaining and respectful way! I want more in the same spirit! All parts of the film was to my liking, the CGI and special effects, the actors and their acting, the story and script, the quirky funny jokes, the SciFi tech, the hints back to the old films and Star Trek crews, the suspension, the new characters, the villain and his brutal attacks. Maybe for hard core fans of a certain Star Trek era, this movie is not what they wanted or expected, but to me it was brilliant!


Mike Hensley and Jeff Collins obtained summary judgment in a declaratory judgment/coverage litigation involving the choice of law (Minnesota or Arizona) and the stacking of Uninsured or Underinsured motorist coverage (UM/UIM).
Mr. and Mrs. Plaintiff traveled to Arizona, from Minnesota, and were involved in a car/motorcycle collision. As they went through an intersection, a car turned in front of them causing the accident. Both Plaintiffs suffered severe injuries with the combined medical expenses exceeding a million dollars.
Plaintiff's motorcycle insurer paid out $100,000 in UIM coverage for each Mr. and Mrs. Plaintiff. Plaintiffs sought to "stack" additional UM/UIM coverage from policies they had on other cars and motorhomes. The JSH client insurance companies denied they owed any UM/UIM coverage, contending Minnesota law applied and under Minnesota law they did not owe UM/UIM coverage on top of what was already covered. Plaintiffs then sued the carriers who insured their motorhome and auto seeking $250,000 for Mr. and Mrs. Plaintiff, under each of the two polices, for a total of $1 million.
One of the major issues to be decided by the Court was the choice of law. Plaintiffs argued that staying in their motorhome for multiple months made them Arizona residents, so Arizona law should apply. The JSH lawyers argued the Plaintiffs were not residents of Arizona and the choice of law analysis dictated that Minnesota law should apply in the "stacking" analysis. The Court agreed with JSH's client's position based upon the relevant facts in the context of the controlling Arizona case of Beckler v. State Farm.
The Court denied Plaintiff's Motion for Summary Judgment and granted JSH's client's Cross-Motion for Summary Judgment finding the Plaintiffs were not entitled to "stack" the UM/UIM coverage from their other vehicles, saving JSH's client $1 million in additional UM/UIM payments.


text:
2015 Honda Jazz (India-specification) technical details released - IAB Report
13/06/2015 - 13:00 | Honda Jazz, Honda | Anjan Ravi
Market launch confirmed for July 8.
Honda Cars India have released all the technical details of the forthcoming 2015 Jazz. While our reviews feature a detailed look at this hatchback, here are the essential facts of the new Jazz.
For the Indian market, the new Jazz measures 3,955 mm in length, 1,694 mm in width, 1,544 mm in height and 2,530 mm in wheelbase. These figures represent an increase of 55 mm in overall length and 30 mm in wheelbase compared to the previous Jazz which was sold in India. Other figures include a 165 mm ground clearance and 175/65 R15 alloys on the top-end variants, and 175/70 R14 on steel rims for other variants.
The longer wheelbase has liberated an additional 3 inches of front-to-rear seating room, a further 115 mm of rear legroom, and an overall increase in passenger volume by 139 liters. Engineers have also applied a new fuel tank concept, placed in the middle of the car to extend the rear seats.
The Jazz will come in a total of 7 exterior color options, and two interior themes. The top-end VX trim gets black seats with white contrast stitching, while other trims get beige seat fabrics, beige interior pillars and a beige roof.
Honda has only released the kerb weight figures of the petrol variants of the Jazz. The Jazz petrol MT will weigh between 1,007-1,044 kg while the CVT will be heftier at 1,062-1,066 kg. All variants, petrol and diesel, get a 40 liter fuel tank and a 354 liter boot which can be expanded to 881 liters by folding the rear seats.
The Jazz features a new brushless EPS unit, giving it a turning radius of 5.1 meters (petrol variants).
Coming to the engines, the petrol Jazz is powered by the Brio-derived 1.2-liter i-VTEC motor capable of 90 PS at 6,000 rpm and 110 Nm of torque at 4,800 rpm. The 5-speed manual variant delivers 18.7 km/l while the CVT returns 19 km/l. The diesel Jazz is powered by the 1.5-liter i-DTEC Earth Dreams engine developing 100 PS at 3,600 rpm and 200 Nm of torque at 1,750 rpm, paired to a 6-speed manual transmission. The diesel is good for an ARAI-rated figure of 27.3 km/l.
On the suspension front, the Jazz relies on a McPherson strut with coil springs at the front and a Torsion beam axle with coil springs at the rear. While the suspension layout is identical to the previous model, the components are newly designed, and hence aid in weight loss, and better dynamic performance, according to Honda.
Braking power comes from disc brakes up front and drum brakes at the rear. ABS, EBD and dual airbags are part of the standard equipment on the top-end variants.
Bookings for the new Jazz will open at Honda dealerships around the 20th of June, while the market launch is confirmed to take place on July 8, 2015.
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Online restaurant ordering and discovery portal Zomato acquired logistics technology startup Sparse Labs, as it looks improve the delivery experience. The financial details of the transaction were not disclosed.
Sparse Labs has developed an Android-based mobile application which transmits delivery executives location to both the restaurant and the consumer in real time. This technology will critical as for Zomato as 80% of its delivery orders are fulfilled by restaurants. Main rival Swiggy owns its delivery fleet and is counting on controlling the experience as its differentiator.
"There are some areas that have immense room for improvement, the most significant one being delivery tracking," said co-founder & CEO Deepinder Goyal in a blog post while announcing the acquisition.
The company said that Sparse Labs will be renamed as Zomato Trace, and will given free of cost to restaurants on Zomato's food delivery network. Zomato added that restaurants also have the option of using "a proprietary GPS tracker developed by Sparse, that can be fitted onto bikes."
"At the restaurant end, this technology will help make deliveries highly cost- and time-efficient, allowing them to optimise delivery routes and ensuring minimal wait time for riders. We've always maintained that the most cost-efficient delivery fleet is the restaurant's own, where they can utilise the same staff during off-peak hours for back-of-house and marketing activities," added Goyal in the blog.
Sparse Labs is a two year old Gurgaon-based startup founded by Pankaj Batra, an engineer from Kurukshetra University who has worked at companies like Educomp Solutions and Studyplaces. The venture has been bootstrapped and counts hyper-local startups and restaurants as clients like Pickmylaundry, Beuno, Qlivery and Spice Labs.
"We make Rs 20 odd rupees as a contribution margin net after everything on our online order business in India. For the 20% of orders, where we have delivery partners, we do negative Rs 2 (as contribution margin)," Goyal said in May.
In July, Zomato crossed 1 million orders a month while rivals Swiggy does over 1.2 million orders a month right now. Zomato also said that average order value on the platform stands at Rs 480, which is expected to be higher than Swiggy.
Zomato revenues had doubled to Rs 185 crore, even as losses increased more than three times to Rs 440.96 crore in financial year ending March 2016. Zomato, which has raised $225 million and is valued at $1 billion, expects to reach operational breakeven in the current financial year.
Also read: Zomato's FY16 revenue breakdown: Advertising vs Online ordering, India vs Global revenues.


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The fair treatment of customers is a key part of the Financial Service Authority's (FSA) regulatory regime. In the words of a recent FSA publication ('Treating customers fairly: progress report'), 'the principle for firms to treat their customers fairly will continue to underpin the whole of the FSA's approach to fulfilling its statutory objectives'.
The concept of customers' interests was first introduced into financial services regulation as one of the FSA's high-level principles of a business. Principle 6 states that a firm must pay due regard to the interests of its customers and treat them fairly.
This is described as being 'the foundation for the substantive materials within the handbook of the insurance concept of policyholders' reasonable expectations'.
Like many principles, this is difficult to argue against. The problem lies in ensuring consistent interpretation for different businesses, in varying circumstances, over time.
What is the relationship between the traditional concept of PRE and the new idea of customers' interests? There are a number of key differences. There was no positive obligation on companies or their directors to satisfy PRE, whereas the requirement to have regard to the interests of customers is a positive obligation, the breach of which could lead to disciplinary action. Also, the principle applies to all regulated businesses, not just businesses writing long-term insurance. In practice, there seems to be little purpose in erudite debate about similarities and differences between the two concepts. The new regulatory regime requires the fair treatment of customers, and it is clear that responsibility for this rests with the board and senior management of regulated firms.
All's fair that ends fair?
We conclude that fairness is not a definitive concept. Instead it represents a series of values, which help us to decide how to behave and treat others.
The paper lists a number of examples of fairness, but concludes that there cannot be an exclusive checklist since 'fairness is a flexible, dynamic, and time-sensitive concept'. It is recognised that it is often easier to judge in hindsight what is fair and unfair, and there is a risk of applying standards retrospectively. The FSA's feedback on this paper includes some helpful statements on the standards to be used to judge complaints. 'A firm's conduct should always fall to be judged against the standards prevailing at the time when the matter of complaint arose. Any need for consumer redress should flow from and be consistent with this.' So, do not throw away those old rulebooks!
Further guidance on treating customers fairly is given in the Unfair Terms in Consumer Contracts Regulations (UCT) 1999. There was discussion of these within the profession when the relevant European Union (EU) directive was first implemented about ten years ago, but they seem to have received little attention from actuaries since then. This may well change: the FSA is now a qualifying body under the regulations, and can challenge the fairness of specific policy terms, request companies to remove those considered unfair, and can, if necessary, seek a court injunction to compel such action.
The regulations apply a general test to assess whether a standard contract term is unfair, based on whether, contrary to good faith, it would give a significant advantage to the firm that could cause detriment to the consumer. The regulations do not apply to terms setting the price of the service or product, or describing what is being provided, unless these are written in such a way as to make them hard to understand.
The FSA has published draft guidance, to be included in the Enforcement Manual, on its general approach to UCT. While this imposes no new obligations on firms, which are already required to comply with the regulations, it significantly raises the profile of the regulations and the possibility of a challenge to contract terms. It remains to be seen whether policy conditions will always pass the test, especially those concerned with the exercise of discretion in with-profits policies.
The FSA's project on with-profits business has picked up a number of ideas from 'Treating customers fairly' in considering fairness in with-profits business, in particular in the areas where insurers typically reserve discretion. It concludes that treating customers fairly means being far more explicit about the circumstances in which firms seek to exercise such discretion.
Being able to show that discretion will operate, and has operated, predictably, according to objective criteria, can be expected to help consumers and understanding of what has happened to their policies.
This leads to the conclusion that a strengthened governance framework for with-profits funds is required and the FSA has set out detailed proposals for this.
Some of these ideas have been picked up in the Sandler Review, which proposes the development of a new structure for with-profits business, together with increased disclosure for both new and existing business. Whether anything recognisable as with-profits business can be offered under this new model is a matter for debate! At the minimum, it is likely to require low levels of smoothing, more frequent changes to market value adjustments, and few, if any, guarantees. This all needs explaining in clear English to policyholders. Furthermore, there is also the requirement to set up procedures ensuring any remaining discretions are operated in accordance with defined principles and practices.
Responsibility for treating customers fairly, satisfying UCT, and making appropriate provision for any resulting liabilities rests entirely with the directors. The days of the appointed actuary providing his or her 'interpretation' of PRE, and the director sheltering behind this, are coming to an end. Directors will need to take full responsibility for matters concerning the fair treatment of customers and will no doubt wish to take appropriate advice. It is not obvious that most of this advice will necessarily be from actuaries; the concepts seem likely to be increasingly rule-based, which points to more legal advice. Actuaries remain well placed to contribute significantly, but will need to do so within the new legal framework, recognising for example the effect of unfair contract terms legislation and the powers of the FSA. Continuity will be important in moving from the old to the new regime, and the continued involvement of actuaries will help to achieve this.
If the FSA's proposals in consultative paper 167 are implemented, the current role of appointed actuary will be replaced by a head of the actuarial function and, for companies which transact with-profits business, a with-profits actuary.
The with-profits actuary will be responsible for advising on the use of discretion by the company; this will presumably draw upon many of the current practices in advising on and managing PRE. The main role of the head of actuarial will be to advise on the calculation of liabilities to policyholders including 'any liability or obligation arising from the requirement to treat policyholders fairly under principle 6 including with respect to policyholders' reasonable expectations'. This will require an agreed understanding of these expectations, reflecting, where relevant, the advice of the with-profits actuary. It seems there will be a need to define clearly the expectations of policyholders, and the extent to which these expectations could constrain future actions. It could be argued that splitting the responsibilities for advising on the exercise of discretion and for quantifying the financial implications of the decisions made is unlikely to improve the governance of companies particularly as the FSA is placing increasing emphasis on the realistic financial position of life insurance companies.
The concepts of customers' interests and fair treatment of customers seem likely to be at least as important in the management of life insurance business in the future as PRE has been in the past. Actuaries can continue to have a key role, but need to recognise the changes in the framework within which business must be managed.


text:
Sextuplets
( é um filme de comédia americano de 2019, dirigido por Michael Tiddes e co-escrito, produzido e estrelado por Marlon Wayans no papel de irmãos gêmeos sêxtuplos. Também foi escrito por Mike Glock e Rick Alvarez, com música de John Debney e distribuído pela Netflix.

Enredo
Prestes a ter um filho, Alan decide encontrar sua mãe biológica, e acaba descobrindo que tem mais cinco irmãos, nascidos da mesma gravidez. Ao se encontrar com um dos irmãos, o obeso Russell, Alan embarca em uma louca viagem para encontrar o resto dos sêxtuplos: Dawn é uma stripper que está cumprindo pena no presídio feminino; Ethan é um traficante que se veste e fala como um cafetão dos anos 70; Jasper é conhecido por seus cabelos ruivos e pele mais clara; Já "Baby Pete" sofre de paralisia infantil e está precisando de um rim novo.

Elenco
 Marlon Wayans como
Alan Spellman (Alan Daniels)
Russel Spellman
Dawn Spellman
Ethan Spellman
Baby Pete Spellman
Jaspar Spellman
 Lynette Spellman
 Bresha Webb como Marie Daniels
 Michael Ian Black como Doug
 Glynn Turman como Leland
 Molly Shannon como Linda
 Debbi Morgan como Janet
 Grace Junot como Dra. Greenberg
 Robert Pralgo como Dr. Theodore Williams
 Jason Graham como Dr. Ellis
 Jwaundace Candece como guarda feminina
 Staci Harris como Jamie
 Elliott Dixon como motorista de Uber
 Lauren Boyd como enfermeira
 Kelly Tiddes como anestesista
 Landra V. Phillips como presidiária
 Casey Hendershot como caminhoneiro

Produção
Em agosto de 2018, foi anunciado que Marlon Wayans iria estrelar Sextuplets. Em outubro de 2018, Molly Shannon, Glynn Turman, Michael Ian Black e Debbi Morgan se juntaram ao elenco.

Lançamento
O filme foi lançado na Netflix em 16 de agosto de 2019. O ator Marlon Wayans esteve no Brasil para promover o filme.

Ligações externas

Filmes de comédia dos Estados Unidos
Filmes dos Estados Unidos de 2019
Filmes sobre irmãos gêmeos
Filmes sobre gêmeos
Filmes originais da Netflix
Filmes distribuídos pela Netflix


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