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Seasonal jobs open at Ruidoso Downs Race Track
Dianne L. Stallings
Ruidoso Downs Race Track is hosting a job fair April 20 looking for seasonal employees.
The fair is scheduled from 11 a.m. to 2 p.m. at Billy's Sports Bar and Grill, located next to Billy the Kid Casino.
The race track will become the largest employer in Lincoln County on opening day as several hundred workers will clock-in for jobs in racing, pari-mutual, security, food and beverage and casino floor.
More:Ruidoso Downs race track hiring for the summer
"We're proud of the number of jobs that our plant provides to the region," said president and general manager Jeff True. "We welcome anyone that wants to earn a paycheck with us this summer while having some fun at the races to come and apply on Saturday."
The race track attracts approximately 250,000 race fans every summer, and employees are needed in all departments to serve tourists coming to see the races while visiting the area.
More:Update to race track continues
More:Unemployment creeps up in Lincoln County between tourist seasons
The race track regularly employs all ages, from teenagers working their first job to retirees looking for some extra income while enjoying the summer in the mountains.
The job fair is put together by the track's human resources department and offers potential employers a chance to be interviewed immediately for all positions.
For more information, call the race track at 575-378-4431 during business hours or attend the job fair Saturday.

redpajama_set_name: RedPajamaCommonCrawl


text:
New Product Clearance
Preparation & Prosecution
Application/Registration
Due Diligence / Clearance
Opposition & Cancellation
Application / Registration
ICANN Domain Name Dispute Resolution
Electrical/Computer
CAFC Updates
Home » Latest News » UNIVERSITY OF FLORIDA RESEARCH v. GENERAL ELECTRIC COMPANY
UNIVERSITY OF FLORIDA RESEARCH v. GENERAL ELECTRIC COMPANY
Category: CAFC Updates
The University of Florida Research Foundation, Inc. ("UFRF") is the assignee of U.S. Patent No. 7,062,251, titled "Managing Critical Care Physiologic Data Using Data Synthesis Technology." In 2017, UFRF sued General Electric Company ("GE") alleging infringement of the '251 patent. GE moved to dismiss, arguing the claims of the '251 patent are directed to ineligible subject matter under 35 U.S.C. § 101. The district court granted GE's motion. Applying the two-step framework set forth in Alice Corp Party Ltd. v. CLS Bank International, the district court determined the claims of the '251 patent are directed to an abstract idea and do not recite an inventive concept. UFRF appealed. Initially, the CAFC concludes that UFRF, by bringing its claim of infringement, waived its sovereign immunity not only as to the cause of action but also as to any relevant defenses, such as GE's § 101 eligibility challenge. Because the '251 patent claims recite the abstract idea of "collecting, analyzing, manipulating, and displaying data," and the '251 patent proposes using "a general-purpose computer" to carry it out, the CAFC finds that the claims do no more than simply instruct the practitioner to implement the abstract idea on a generic computer. Accordingly, the CAFC holds that the claims are not patent eligible under § 101 and affirms.
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A.	The Office of Public Information Coordinator assists the public and interested parties by: (a) implementing measures that assure public participation in matters before the Siting Board; (b) responding to inquiries from the public for information on how to participate; (c) assisting the public in requesting records; (d) ensuring all interested persons are provided with a reasonable opportunity to participate at public meetings; (e) ensuring that all necessary or required documents are available for public access on the Siting Board website; and (f) any other duties as may be prescribed by the Siting Board, after consultation with the Department of Public Service.
A.	There are three kinds of parties: (a) automatic statutory parties; (b) parties that have a right to be a party merely by giving notice; and (c) parties that may be permitted to join.
A.	A notice of intent to be a party must be filed with the Secretary to the Siting Board.
A.	Public statement hearings are designed to obtain input from the general public. The format is designed for the taking of unsworn oral statements, although written statements ordinarily may also be submitted. Parties to the proceeding are not permitted to cross examine the persons making such statements.
A.	"Discovery" is a pre-trial process used by parties to obtain facts and information about the case from other parties. The most common discovery device is the written interrogatory, but oral depositions and other devices are also available. Any party to a proceeding is subject to the discovery process.


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Window Watch: Herrera & Shaw just the start of Van Gaal's Manchester United overhaul
Goal's weekly column looks at the latest in the transfer market, including the Red Devils' double swoop for Ander Herrera and Luke Shaw, and Manchester City's capture of Fernando
LUKE SHAW & ANDER HERRERA JUST THE BEGINNING FOR MANCHESTER UNITED
In the space of 24 hours, Manchester United delivered a huge statement of intent to Europe's elite with a near-€80 million outlay on Luke Shaw and Ander Herrera.
It promises to be a mere starting point. The word from the top of England's highest-earning club has long been that they will use this summer's window to undergo one of the most expensive squad overhauls in football history.
Indeed, the signs are that United's costs in transfer fees alone could exceed the €187m outlays of Chelsea in 2003 and Manchester City in 2010.
Yet United are not just making their mark with top-end signing costs. It is no secret within the football village where middlemen and club executives grease the wheels of the transfer market that the 20-times Premier League champions are paying huge salaries to entice players to Old Trafford.
Shaw is a perfect example. The 18-year-old became the most expensive teenage signing in football history when he completed his €37.5m move on Friday.
United will pay the England international €200,000-a-week after making him an offer weeks ago that comfortably trumped what even Chelsea were willing to pay.
Within football circles, this is significant. United's wage bill demonstrates they will pay top dollar for their most valuable stars, with the likes of Wayne Rooney and Robin van Persie commanding huge basic salaries.
Yet those players further down the Old Trafford chain have tended to be lower paid than their direct equivalents at Chelsea and City.
This is now changing. The €56m-a-year that the Glazer family suck out of the club in interest payments is outweighed by the vast revenues generated by United's plethora of commercial agreements.
Ed Woodward, the club's executive vice-chairman charged with sealing the big player deals, is content for it to be known that United will use their resources like never before this summer.
Europe's finest have been warned.
FERNANDO SIGNS AS MANCHESTER CITY WAIT ON YAYA
Manchester City finally got the €15m signing of Fernando over the line this week when the midfielder transferred from Porto.
With Bacary Sagna signing on a free, this was City's first actual transfer outlay following their punishment for breaching Financial Fair Play regulations.
City have an agreement with Uefa to "significantly limit spending in the transfer market" for two years, including a net spend of only €60 million this summer.
How the remaining €45m is spent could depend upon the future of Yaya Toure, who seems intent on engineering his exit from Etihad Stadium this summer.
Given that he turned 31 last month, Toure is unlikely to command a fee much in excess of €37m but his possible exit would drastically alter the landscape in terms of the funds available to manager Manuel Pellegrini.
Should Toure leave, City would require a blue-chip attacking midfielder as a replacement, although everyone of a sky blue persuasion accepts the Cote d'Ivoire powerhouse is virtually irreplaceable. Fernando is certainly not that player. He is more of a destroyer in the Nigel de Jong mould than a creator or finisher.
If Toure patches up a relationship with his employers that appears to be almost damaged beyond repair, attention is likely to settle on an authentic centre-back partner for Vincent Kompany.
Martin Demechilis' fine form in the title run-in papered over the cracks of a defence that appears overly reliant on Kompany's leadership and Pablo Zabaleta's energy.
If the outlandish €50m fee Chelsea were able to extract from Paris Saint-Germain for David Luiz tells us anything, it is that City will have to pay top dollar for a proven centre-back.
ON THE MOVE? ALEXIS SANCHEZ COULD LEAVE CAMP NOU
One player to keep an eye on this window is Chile hotshot Alexis Sanchez.
Barcelona are willing to offload the versatile forward for around €37m even though only Lionel Messi plundered more goals for the Catalan club last season.
1 thought on "Window Watch: Herrera & Shaw just the start of Van Gaal's Manchester United overhaul"
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Virgin was P.M's "mistake" – Olo
(Photo: Samoa Observer / File)
By Joyetter Feagaimaali'i-Luamanu • 24 May 2017, 12:00AM
Member of Parliament Olo Fiti Vaai has blamed Prime Minister Tuilaepa Sa'ilele Malielegaoi for the "joint venture" with Virgin Australia, saying it was mistake from the start.
"It's his mistake and I'm glad he's correcting it," said Olo referring to the government's decision not to renew the joint venture.
In a letter from Prime Minister Tuilaepa to the Chief Executive Officer of Virgin Australia Pty Ltd, John Borghetti, he said Cabinet has unanimously decided not to re-new the Joint Venture ("JV")."
During an interview with the Samoa Observer, Olo agrees with the decision.
He accused Virgin Australia of taking advantage of Samoa.
"We pay $1,000+ one way and yet when you go to Auckland, its $150-$200NZD to fly to Australia," he said.
"They are making money off of the Samoan people, yet they charge us an arm and a leg."
The M.P. reiterated that "the fares from here to New Zealand are extremely expensive and the airlines, are doing that by limiting the flights."
"Virgin and Air New Zealand are deliberately controlling the flights into Samoa to ensure that they get significant profits from us," he said.
"We advised the Prime Minister back then.... we knew the two airlines would dominate this market and sure enough they now and now the public is paying for their mistake.
"I'm glad they're are correcting their mistake. This was long overdue."
Olo said he expressed his disappointment in the deal right at the start.
"I never agreed to this from the start and I was very vocal about my disagreement due to the fact that Samoa needs to have its own airline."
Levaopolo acknowledged the public's concern about Polynesian Airline's mistakes in the past,
But he is positive.
"I'm certain they have learnt from it. No doubt their mistakes was of significance as the government continues to pay till this day, the debts incurred from the airline back then."
He also commented on the why the problems occurred.
"The predicament was that the former Management team was not looking after the daily operation properly as they should.
"There were a number of people on the management level, which was one of the problems."
The M.P. said the government needs to look at capitalizing the move to revive Polynesian Airlines.
"The government in the past funded the starting of Polynesian Airlines and they can do it again. The government needs to invest in the re-starting of Polynesian Airlines."
Prime Minister Tuilaepa is adamant that the government's decision to let go of Virgin Australia is the best move for Samoa.
Responding to questions during his weekly media session, the Prime Minister assured the government has learnt from mistakes of the past and is ready to proceed with the Airline's international operations.
"When you own your own airline, you can make your own polices about your airline which will reflect the policies of our country," Tuilaepa said.
He referred to the United States of America for example.
"Like America, they have their own airline."
As for the joint venture between Virgin Australia and the government, Tuilaepa is steadfast.
"This can't continue on especially when the airfares continue to increase and the hotels are complaining that there are not enough tourists coming to Samoa."
Asked if the move has anything to do with the significant management fees, wet leases and commission paid to Virgin Australia, Tuilaepa was coy.
"We can't continue this partnership. For any country, they have to have their own airline."


had to do the research and planning.
August 12: Leave Tokyo and go Home.
these may be different from what you are used to.
book them the next morning, it will be fine.
book your hotel room early so you don't run into the wall of stress that I did.
Right next to a movie theater, there was a Spiderman Homecoming event right outside and we got to see Tom Holland on stage!
deal that isn't available on the others.
staying and figure out how much the activities cost.
discount through Kiecan's promo code.
the hotel. We always had a connection, even on the Subway, which was great.
staying at an AirBnB, check if you actually need the wifi before booking it.
the Toronto area and our subway map looks like a sad U with a line through it.
labled by name and a letter-number combination to make it easy.
gate) and provided free access to some attractions and discounts for others.
are traveling before purchasing the ticket, to make sure it is worth it.
is worth it for your vacation before purchasing.
the bullet trains. If you aren't in a rush then these may be an option as well.
hold onto it – you'll need it to be able to exit the gates at your destination.
ticket-adjustment station at the subway you are exiting.
over-spending on travel. Save that yen for arcades and gashapon!
– this is why the Ninja Wifi was so useful.
when you want to ask for something specific.
the subway and in the more touristy areas.
don't buy a ticket you can still have a good time.
Tomorrow's post will cover the WCS Events and using the terminals to purchase tickets.


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BENUE NEWS
{Latest News from Benue State}
HISTORICAL BACKGROUND OF BENUE
NOW THAT ABBA MORO IS BEING WITCH HUNTED
by Ahile Kashami Ahile - 23rd February 2016
In a society where the effects of corruption, bad governance and incompetence have left many dead and others in severe hardship, one would expect that those who are accused of stealing public funds will be enemies to all, irrespective of party, tribe or other affiliations, since the ripples of their acts do not discriminate along these parameters, but affect negatively the whole society, in more ways than can be readily imagined, but the situation in Nigeria and more importantly Benue State is disturbingly different.
So as expected, Abba Moro is according to some is being witch hunted. Let me tell, you a story, there was once an interior minister, who organized a nationwide recruitment for his teaming unemployed youth, he sold application forms to more than two hundred thousand of them, for 1000 naira each, in a bid to fill about 5000 positions only and in the process made about 520 million Naira, but that's not the only issue, he then failed to organize the test properly into batches, knowing well that he had too many applicants for the venues and staff he intended to use or had at his disposal.
The result was that nine of these youths died nationwide and more sustained various degrees of injury, and the ministers his first response was to blame the dead for in orderly conduct.
That minister was Abba Moro.
When he came home, after a change of government, he was welcomed like a hero and celebrated, but the dead did not sleep, many Nigerians called for his investigation and prosecution for negligence and corruption. The then government of "anything goes" never raised a finger. Abba Morro has since walked a free man and has never even been invited by the police till now. On Monday 21st 2016 Patrick Abba Moro was arrested, or as other would say, invited by the EFCC and the news broke the internet.
It was obvious that many Nigerians had been waiting for this day, the celebration in the air was obvious and many hoped that a logical end of the case will bring closure to the families of the dead and all Nigerians, those who were ripped off and the rest of us. While others questioned why the police was yet to open a case against him.
Then out of nowhere came the group of people who feel Abba Moro is been witch hunted for his membership of the PDP and that his actions relating to the recruitment, are justified and normal practice and he would soon be found without sin and released, is this for real? Yes it is. Now, the discord that was sown between some gullible Tiv and Idoma people during the last Zone C senatorial elections played a very vital role here, the "he is our son and he is been prosecuted because he helped David Mark win elections group" also arose, and many others who were formally silent about the development joined in.
At this point it downed on me that the fight against corruption and bad leadership will be resisted not just by the big men who benefit from it, but mostly from those who are victims but have been so blinded by tribal and miscellaneous sentiments, they fail to see that bad leaders and corrupt leaders have no tribe or religion that they come from all places and the results of their actions and inactions affect us all in one way or another. And that the fact that there are corrupt politicians in all tribes does not make it ok for us to condone our brothers and sisters who steal froom us.
In Benue state still, some few weeks ago, the Justice kpojime commission indicted a number of people (Idomas and Tivs alike) who held sway during the last administration, of criminally enriching themselves with common wealth to the tune of 107 billion naira and caused our people untold hardship and death, but When the news broke there was a deafening silence from people especially the youth, who surprisingly did not hide their joy and opinions and condemnation when the Dasuki-gate suspects and others where being arrested, all we could here were whispers.
Even though a few spoke out about the revelation, our people where mostly as quite as a grave yard. There were no statements from civil rights bodies, youth bodies or student bodies, nothing, just silence. Why where they silent you may ask? Because like in Abba Moro's case, many of these people are their tribes men or relations or friends or because they once gave them a couple of thousands or millions or gave them or someone they know a job or because they know someone, who knows someone, who knows the suspect.
Then there is one other thing, "i am also a sinner, and he is a big man, who knows if i will need his help tomorrow. Other reasons include fear and defeatism (understandably, given the type of oppression and pain and poverty, our people have been through over a very long period of time) and inferiority complex issues, the believe that the big man is better than me and there is nothing i can do.
It is understandable for the poor and illiterate people amongst us but it becomes a serious worry when however, educated and matured people involve in this type of activity or in activity, The repercussions of this type of attitude are further and more dangerous that the eyes can see, and the shame it brings transcends generations, But still our people say the youth are the future, so I ask, these same youths? These youths who don't even have the courage to speak out against evil? Evil that happens right under their noses? Evil that if not stopped will not just consume us all, but will consume our generations, yet on born.
Labels: Benue News
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Youths Protest FG Plan To Build Ruga Settlements In Benue
Over 100 youths yesterday staged a protest against the Federal Government's plan to build settlements for herdsmen in Makurdi, Benue Stat...
Benue Begins Sale Of Subsidised Fertiliser
Benue State Governor, Samuel Ortom, has approved the commencement of 2019 sale and distribution of fertiliser to farmers at the subsidize...
Benue Assembly Re-elect Uba As Speaker
Members of the Benue State House of Assembly on Monday re-elected Hon. Titus Uba as the Speaker of the Ninth Assembly.
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AMERICAN CHEMET TO INVESTIGATE CONTAMINATION
American Chemet to investigate contamination at Montana Superfund site
(from TOPIX)
The U.S. Environmental Protection Agency (EPA) and the U.S. Department of Justice (DOJ) have reached an agreement with American Chemet Corp., Deefield, Illinois, to investigate hazardous substance contamination and to conduct any necessary cleanup actions at the company's property within the East Helena, Montana, Superfund site. The agreement, lodged as a consent decree in U.S. District Court, District of Montana, Helena Division is subject to a 30-day public comment period that began on July 1, 2016.
The East Helena Superfund site is located in and around the city of East Helena, Lewis & Clark County, Montana. The site includes the decommissioned Asarco smelter, the adjacent Chemet industrial facility, properties with the city limits, as well as residential subdivisions and rural properties in surrounding areas.
The agreement with Chemet will characterize environmental contamination and determine cleanup needs at the company's East Helena industrial facility, a seven-acre manufacturing plant that produces copper and zinc products. Known and suspected contaminants at the site include lead and arsenic. Chemet is required to begin the investigation of the property this year.
The East Helena Superfund site was placed on EPA's National Priorities List in 1984. Since that time, EPA has worked with Asarco LLC, to remediate lead and arsenic contaminated soils in residential yards and other areas of the site. As a result of the Asarco bankruptcy, the former smelter is now owned by the Montana Environmental Trust Group. Since appointed by the bankruptcy court in 2009, the Trust has been conducting corrective action, with EPA oversight, to address contamination at Upper Lake, Lower Lake, Prickly Pear Creek and its riparian corridor, and all groundwater at the site. Remediation of residential properties is nearly finished, leaving some commercial property, undeveloped property and railroad right-of-ways to be addressed.
Established in 1946, Chemet has facilities in Montana, Tennessee and Illinois. The company is a privately owned manufacturer and marketer of zinc and copper-based chemicals used, among other things, in agriculture and in aquatic and marine environments.


High streets are full of people who make things happen. In this session, three speakers will optimistically explore the suppleness, originality and inventiveness of UK high streets from different perspectives. Join Stacey Adamiec, Jamie Dean and Mark Brearley as The London Society kicks off its look at London's high streets.
Stacey Adamiec is a Growth & Start Up Strategist who is passionate about high streets. She began developing studios and spaces for creative industries in Swansea and is now an expert in building resilience and resourcefulness in high street businesses.
Jamie Dean is North East Area Regeneration Manager at the Greater London Authority, responsible for the City Hall high streets work stream. He leads on the development of the GLA's High Streets programme and coordinates the Mayors Design Advisory Group.
Mark Brearley is the owner of a tray factory and Professor of Urbanism at The Cass, London Metropolitan University. Former head of Design for London, Mark initiated the Mayor's work focused on London's high streets and now campaigns passionately for high streets to become the focus of 21st century economic life in the UK.
Free tickets to Cass Students and Staff - contact Jane Clossick for booking code.


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Top 10 Ranked Hollywood Movies of 2022, According to IMDb
Top 10 Ranked Hollywood Movies of 2022, According to IMDb: Initially a fan-operated database, IMDb…
Tahzeeb Fatma January 23, 2023
10 Best Shah Rukh Khan Performances
Rahul- Naam toh suna hoga? It was a classic line of the actor, as he…
Reubyn Coutinho January 23, 2023
Lists, TV
The 10 Best Miniseries of 2022
The 10 Best Miniseries of 2022: A few years ago, I came across an article…
Akash Deshpande January 23, 2023
Top 10 John Carpenter Movies
The name John Carpenter rarely pops up in discussions about innovative auteurs, yet he is…
Shariq Ansari January 19, 2023
10 Great Dark Comedy Movies From The 20th Century
10 Greatt Dark Comedy Movies From The 20th Century: The unlikely candidate to perfectly summarize…
Eric Draven January 17, 2023
The 15 Best LGBTQIA+ Movies of 2022
The 15 Best LGBTQIA+ Movies of 2022: Let us define the term queer before we…
Ahendrila Goswami January 16, 2023
All 15 Anya-Taylor Joy Movies, Ranked
Anya-Taylor Joy. The name has become synonymous with Hollywood royalty. The odd-looking girl (by her…
Arnav Srivastav January 13, 2023
The 15 Best Steven Soderbergh Movies, Ranked
Steven Soderbergh has spent more than two decades making all kinds of films. And yet,…
All Alejandro González Iñárritu Movies Ranked
Alejandro González Iñárritu is one of the most exciting names in American cinema, thanks to…
Nanny (2022): Release Date, Where To Watch, Plot, Cast, Trailer, and Everything We Know
Lopamudra Mukherjee December 9, 2022
Disney+ Hotstar, Hulu, OTT, TV
Fleishman is in Trouble (Episode 5): Recap & Ending Explained – What does Vantablack represent for Toby & his children?
Akash Deshpande December 9, 2022
Netflix, OTT, TV
Delivery by Christmas (2022) Review: An Idiosyncratic Holiday Cheer That You Didn't Know You Needed
Suvo Pyne December 9, 2022
Netflix, OTT, Reviews
Burning Patience (2022) Netflix Movie Review
From Emancipation, Guillermo del Toro's Pinocchio to Doctor G, Movies & TV Shows to Stream This Week (Dec 9 – 15)
Tahzeeb Fatma December 8, 2022
The Marriage App (2022): Netflix New Rom-com With a Tech Twist Mostly Works to a Certain Extent
Rohitavra Majumdar December 8, 2022
2022 People's Choice Awards: See The Full List of Winners
Nafees Ahmed December 8, 2022
Film Festivals, Films This Week, IFFI, Reviews
The Whale [2022] Review – A stagey but intimate character-drama that carefully treads the fine line between honesty and cynicism
Shikhar Verma December 8, 2022
Explainers, Netflix, OTT
Lesson Plan (2022) Netflix Movie Ending, Explained: Who is the leader of the drug gang?
Deepshikha Deb December 8, 2022
Lists, Netflix, OTT
5 Movies to Watch like Lady Chatterley's Lover (2022) on Netflix
Ahendrila Goswami December 8, 2022
Revenge of Others (Season 1) Episodes 9 & 10: Recap & Ending Explained
Disney+ Hotstar, OTT, TV
The Mysterious Benedict Society (Season 2), Episode 8: Recap & Ending, Explained – Will Season 3 happen?
Reubyn Coutinho December 8, 2022
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Michael Cimino, Robin Hardy, Heaven's Gate, The Wicker Man and the 3 separate versions of each
During the first week of July, the world of cinema lost perhaps two of its most unheralded…
Jeremie Richards July 18, 2016
Boo! – No Cannes Do
Another year, another Cannes, with the top gong going towards I, Daniel Blake, making English film-maker Ken Loach the eighth director who has ever won the Palme d'Or twice (lucky he didn't go into retirement after all). The film received mostly positive reviews, as did most of the other award-winning films like The Salesman, American Honey, and Ma' Rosa, but there was the usual booing, jeering, yelling, and perhaps even throwing of rotten tomatoes at the screenings of a number of films, which resulted in a number of varied responses from the filmmakers.
David Morgan Brown May 28, 2016
Cannes Film Festival 2016: Why this year's lineup is the best one ever
It's that time of year when all of World Cinema's elite is preparing to gather on the French Riviera once again in order to stage the world's most prestigious film festival, Cannes. On the morning of April 14, this year's hotly anticipated lineup announcement finally arrived and with it the promise of a slew of new films directed by some of the most renowned and respected filmmakers in all of the world. Like countless other devout film enthusiasts, I found myself dumbfounded at the sheer glutteny of talent assembled for the purposes of screening their film at this year's festival which is scheduled to run from May 11 to May 22.
Jeremie Richards May 3, 2016
The Québecois invasion of Hollywood
One of the more interesting phenomena in recent years has been the influx of Québecois filmmakers making their mark on the Hollywood landscape and World Cinema in general. The likes of Denis Villeneuve, Jean-Marc Vallée, Xavier Dolan and Philippe Falardeau have recently emerged after years spent cutting their teeth and honing their craft as filmmakers in "la belle province". Now, more and more projects spearheaded by some these names are being greenlit while attracting big name movie stars like Jake Gyllenhaal, Reese Witherspoon and Naomi Watts in the process. The latest one being Jean-Marc Vallée's Demolition starring Gyllenhaal and Watts that's set to open on the weekend of April 8th. The purposes of this article is to shed a little light for the uninitiated as to what led up to this emergence of Québecois filmmaking talent as well as to give a little indication as to what it's all leading up to.
'Tamasha' and the Problem of living your Dreams
For a film that dares you to live your dreams (the big fat cliché of our times), a film which has a "troubled" storyteller at its centre,Tamasha never rises to inventive narrative heights. Despite the Rumi quote about unfolding your own myth, it relies heavily on beaten to death stereotypes to create a very ordinary story and interjects it with flashes of popular sagas (Romeo-Juliet, Heer-Ranjha…) to make the full package appear hip or profound. It doesn't create any myth.
Jigar Brahmbhatt March 7, 2016
There Will Be Blood: A Compulsive Capitalist against a Volatile Force of Nature
Paul Thomas Anderson's epic character study of a baron anti-hero 'Daniel Plainview' (played by legendary…
Arun Kumar March 6, 2016
The Great Cinematographers and their "Visions of Light": A love letter to the DOP
Great cinematography has a tendency of sneaking up on you. When it's done well, the average moviegoer will have a sense of appreciation for the level of visual beauty on display but most people aren't really conscious of the artistry involved and the incredible level of work that goes into the making of all of those pretty pictures. I know for me personally, it took many years of film appreciation before it finally occurred to me the extremely important place that cinematography holds within the movie making process.
Jeremie Richards February 21, 2016
The Nightmare in Cinema
'The Nightmare' by Henry Fuseli is a household name among art connoisseurs. Such is the notoriety of this Gothic masterpiece that it needs no introduction. In this painting, a lady is sleeping with an incubus crouched atop her chest. A mare (horse), supposedly vehicle of incubus, is witnessing the whole act. The painting derives its roots from folklore, referring to evil spirits who descends upon sleeping persons. What does it imply? The interpretations of its hidden symbolisms run the gamut from sexual struggle to sleep paralysis.
Deloret Imnidian July 20, 2015


The TAP Common Framework recognizes three dimensions of Capacity Development (CD): individuals, organizations and the enabling environment. The dimensions must be viewed as interconnected, affecting each other in complex ways through push and pull factors. Within the context of Agricultural Innovation Systems (AIS), it is pertinent to stress the crucial importance of partnerships and networks in creating that interconnectedness, and in bringing together the three dimensions to create new knowledge.
CD at the individual level entails the core knowledge, skills, attitudes and energies needed to work effectively.
CD at organizational level addresses how organizations coordinate and useindividual competencies in such a way that organizations' collective potential is realized. This includes the 'collective' ability of a group or system to function as effective organizations and provide the space for organizational learning, adapt to changing circumstances, build effective partnerships and take risks, not only to act towards organizational goals, but also to acquire and manage the necessary resources.
CD at the enabling environment level refers to the context in which individuals and organizations put their competencies and capabilities into action.It includes the institutional set-up of a country, its implicit and explicit rules, its power structures and the policy and legal environment in which individuals and organizations function (FAO, 2010).


Asia (Beijing) international import food expo 2016, approved by the Ministry of commerce of the People's Republic of China, will be held in Beijing during April 14-16. Exhibition area reaches 35000 square meters, covering all food areas, from nutritional health products, organic and green food, high-end cooking oil and olive oil, coffee, chocolate and leisure food, wine and red wine, high-end water, coffee and other special drinks, etc. over1500 enterprises. "Taste global food, enjoy asia life", today, imported food has become necessary in People's Daily life and its economic benefits also soared. Imported foods with many characteristics, such as characteristic, pure taste, unique all over the world is popular among Chinese people, and people's consumption level also rapidly improves and upgrades, food grade has gradually from the past, subsistence to nutritional, health, casual, flavor and experience respectively transformed, imported food has been more and more familiar and accepted by people, with a large economic market, 2016 Asia (Beijing) international import food expo establishes new indicator to the imported food industry in our country and build new mileage for imported food industry .
As the manager of the organize committee introduces, at present, the exhibition has got the support from South Korea, Taiwan, Thailand, Malaysia, Morocco, Spain, Sri Lanka, Turkey, Australia, Austria and other overseas government and institution, there will be many overseas pavilion at this exhibition, showing the national domain affection of food,which will be a beautiful scenery line on the exhibition ! In addition, there are "Moroccan food culture promotion" "olive oil competition", "product water tasting constest "" organic food BBS "and other many wonderful activities. The large world special delicious feast will take you to enjoy Asia amorous feelings of all kinds of taste and let you feel incisively and vividly, coming! Numerous overseas high-quality foods will enter into the Chinese market through the international high-end platform, and meet with the Chinese consumers, promote fast development of China's food industry!


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culture | Jun 25, 2018
Gunplay Talks Going Independent, Life After Jail, and Being Born at 4:20
The Florida rapper and reality star joined us for the latest edition of About That Time, our 4:20 live show.
by MERRY JANE Staff | culture | Jun 25, 2018
Our latest episode of About That Time (broadcasting every Tuesday & Thursday at 4:20pm ET on Facebook Live) got up close and personal with one of hip-hop's most controversial figures, Gunplay. Sponsored by the fine folks at Mezz Brands vapes and THC Design, we sparked things off with a joint of XJ-13 and got philosophical about the music industry and reality TV, before taking a look at Gunplay's Instagram, where we found photos of life-changing lobster mac & cheese, his firearm-themed infused edible company, and his multifaceted role on music video sets — from rapper and director to location scout and talent manager.
After finishing up our social segment, we took a look at the hottest stories smoking to Roll the News, where we discussed Canada's nationwide cannabis legalization, legislation that would allow public housing residents to enjoy the freedoms of legal weed, and an official New York State report calling for total legal access to the sweet leaf — all brought to you by the bong of the future, Jet Waterpipes. Of course, it wouldn't be About That Time without astrology, where we sorted through our guest's Cancer chart, with Gunplay's 4:20 pm birth time adding some haze to the star's vision. For more Gunplay, pick up his brand new album, Active, available everywhere music is sold.
Time flies when you're having fun, but there's a lot more coming down the pipe. Tune in every Tuesday & Thursday at 4:20pm EDT to MERRY JANE's Facebook page to catch all the ganja-fied glory, and follow us on Instagram to find out who's joining our joint sessions. We'll see you there!
420LegalizationtelevisionstyleinterviewcaliforniaMusicvideohumorproductcanadaEntertainmentwatch thisculturenew york


It doesn't end there though, as midterm years tend to exacerbate the weak performance during these six months. In fact, out of the four-year presidential cycle, the next six months have been typically up only slightly on average and higher about a coin flip of the time (53%).
For more on why we don't think valuations are a major concern, be sure to read our Weekly Market Commentary, due out later today.


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Item NMC/0079 - Figure study of seated woman
Art, Design and Architecture collection
Figure study of seated woman
NMC/0079
Drawing of elderly, seated woman (probably from Lincolnshire).
Eardley, Joan Kathleen Harding
b. 18 May 1921, Warnham, Sussex, d. 16 August 1963, Killearn Hospital, nr Glasgow. Joan Kathleen Harding Eardley was educated at Blackheath School until 1938. She attended Goldsmith's School of art for a few months before moving with her family to Glasgow and enrolling at Glasgow School of Art in 1940. She attended GSA until 1943, studying under (among others) Hugh Adam Crawford. The year she left she was awarded the Guthrie Prize for portraiture. After leaving GSA she enrolled in Jordanhill College of Education, but left after the first term in order to become a carpenter's mate. After two years Eardley returned to the formal study of art, attending Hospitalfield, Arbroath in 1947 and studying under James Cowie. She returned to GSA the following year to take up her postponed post-diploma scholarship. In 1948-9 the awarding of a travelling scholarship enabled her to travel to Paris and Italy. In 1955 Eardley was elected an Associate of the Royal Scottish Academy, and was made into a full member in 1963. She was at the time the youngest female artist to achieve this. Eardley's first one-man show was at GSA in 1949. She continued to exhibit regularly, especially at Glasgow Institute and Aberdeen Art Gallery. Today she is represented in over 20 art galleries in Scotland and across the world. In 1950 she 'discovered' and began to paint at Catterline, on the coast between Inverbervie and Stonehaven. She moved there in 1956, using a deserted cottage as a studio and base whilst she worked outside. The landscapes that were completed at Catterline provide an interesting contrast to her studies completed in Glasgow which often featured children living in deprived areas.
Pat Black; gifted to GSA, 1987.
Black chalk on paper
Drawings (visual works)
NMC_0079.jpg
Eardley, Joan Kathleen Harding (Creator)


My name is Lori Hall I am Danielle's Mom. I wanted to create a memorial site for Danielle. These are some of the memories and photo's of her life. Would love to add your memories and photo's of Danielle. She was 17 and a Senior at Imlay City High School when she died. The date was April 1, 2005…April Fools night and spring break week. Danielle died with her friends, Elizabeth Stopczynski, Jessica Susalla, Taylor Russell and Gaspare Campo. They were driving down Boardman Rd. in Almont Twp, Lapeer County Michigan when whoever(?) was driving veered off the side of the road hit a rock, launched them into the air, hit some trees and finally came to rest sidways in a tree. The car caught fire and they were all burned…Beth was thrown from the vehicle….I think she was in the back seat and went out the window myself…Unfortunatley we will never know for sure who was driving..The car broke in half, and yes it was the most gruesome accident in Lapeer county's history. Certain individuals had to sign affadavit's that they would not talk about what they observed that night. Why? The only sense of closure I personally will ever have is the information they could have given me..I didn't get to kiss her goodbye only her casket, it was so cold, I kept thinking maybe she's not really in there at all, I had them wrap her in a very special quilt, was supposed to be her wedding quilt from her Great Grandma Gert. It was a wedgewood blue completley hand sewn french knot took her granny around 20 years to make..none of the other Grand kids got anything like this..I think Grammy knew she would have need of it as a shroud… Danielle's first horse was an Apaloosa named Canuck, she called him Cookie, Cookie died in 2003 at age 26, Danielle was heartbroken, she wanted to save his tail to make a memorial to him in the future…I buried that tail with Danielle, she was burned beyond recognition with no hair of her own so I figured she needed it..how twisted was that thought heh? and I couldn't bear the thought of someone else in the future getting that tail and not knowing the significance of it. I now wish I would have requested DNA to verify the identity of Danielle and the body parts that were found afterwards. Yes I did find a burned hand at Paul's collision in the car a month after the accident and the day they released it to Rich and Wendy(Beth's Parents). Took it to the Dr's and had them x-ray it for proof..It is not an alleged hand it was fact. Wendy found part of a shoe with part of a burned foot…It was Beth's shoe with part of her burned foot still in it, she took it home a month after the accident when I went with her for the first time to the site and we found the shoe there behind the trees just laying out in plain site. Imagine parents and kids out there that your mother takes home a bit of your burned body and puts it on her dresser.. How awful that our officials did not clean up the site…for us to find these things destroyed our confidence in their trustworthyness and that they did not do their jobs. I don't even believe they put the body parts in the right bags at this point. For those of you who know any of these kids or heard about some of this…this is what really happened to me personally. This is not heresay!


There was a healthy dose of reality, lots of repeats and some golf on Sunday's primetime. With the final round of the 2013 Masters tournament running 56 minutes into CBS' primetime in the East Coast and Central time zones, the network's schedule became one big slide and the scheduled 10 PM Mentalist ran way outside primetime in the East and in Central. That means last night's ratings are approximate and very likely subject to change more than usual. The Masters overrun got a 4.1/13 leading into a 7:56 PM 60 Minutes (2.4/7) which was up 71% over last week because of the game. Basically moved an hour ahead from its regular slot and head-to-head with All Star Celebrity Apprentice on NBC, The Amazing Race (2.0/5) was down 17% from its last original on March 24. The Good Wife (1.7/5) was flat with its last scheduled original three weeks ago. With that, CBS won Sunday in total viewers with 12.41 million watching and among Adults 18-49 with a night average of 2.6.
Like last week, it was all reality on NBC on Sunday with something old and something new. The old was repeats of last week's blind auditions from The Voice (1.0/3). The new was All Star Celebrity Apprentice (1.7/4), which had Trace Adkins going for the caveman look and Stephen Baldwin being cut loose. The two-hour 9 PM to 11 PM show was up 21% from last week's 10 PM to 11 PM broadcast. That's the show best rating since March 17 and its third best rating of the season. If Apprentice sees an adjusted rise to 1.8 in final numbers later today it would actually tie for a season high.
After a few week of mostly repeats, Fox's Sunday animation block was back last night. Though the break seems to have hurt a bit. After starting with a Bob's Burgers (0.7/2) encore, there was a new Cleveland Show at 7:30 PM. The show was down 31% from its 9:30 PM airing last week and down 15% from its March 17 airing in the 7:30 PM slot. At 8 PM, The Simpsons (1.8/5) fell 18% from its last original on March 17. A new Bob's Burgers (1.6/4) slipped 6% from its March 24 show and Family Guy (2.4/6) was down 8% from its last original on the same date. Ending Fox's night, American Dad was also down. The Seth MacFarlane series stumbled 13% from its last new show on March 24. On ABC it was all repeats last night expect for a special Once Upon A Time (1.3/4) clip show.


BE APARTMENT offers you the best luxury apartments and the most elegant experience in Madrid and other European cities, come and enjoy it staying with us!
The 3rd edition of Open House Madrid, an international architectural festival organized by the Culture Care Foundation, is created for you to visit famous buildings and the most emblematic urban areas for free! This years´s edition will include the opening of more than one hundred buildings and urban spaces, a tribute to the architect Francisco Javier Sáenz de Oiza and a congress on the cities of the future. For an amazing stay in Madrid we offer you the most elegant Luxury Apartments that we have distributed throughout the city so you can enjoy comfort, design and security that BE APARTMENT provides you.
Open House, a cultural reference that emphasizes good architectural design, has been celebrated annually since 1992 with notable success in cities like London, Rome, Oslo, Athens, New York, Prague or Barcelona. This year the event will be held from September 30 to October 1.
In addition, Open House Madrid 2017 incorporates novelties such as the IE Paper Pavilion by the Japanese architect Shigeru Ban, Pritzker 2014, or a private gallery by Art Espacio Solo de Estudio Herreros, as well as the Grand Lodge of Spain, the Institute of Cultural Heritage of Spain by Fernando Higueras, Known as the "Crown of Thorns", or the Buenavista Palace.
However, that's not all, you can also visit some of the most beautiful private houses in Madrid. If you´ve decided to spend few days in Madrid you can always stay in our Luxury Apartments by BE APARTMENT in the centre of the city, the best luxury apartments in the city.


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Current Location: Home > MWC 2020
News & Reviews: MWC 2020
Overview of MWC 2021: Biggest online event of 2021 so far
After the cancellation of MWC 2020 last year, this year's MWC 2021 began with a number of innovations including being virtual and utilizing technology to implement COVID 19 safety measures. Despite this, we were able to easily and virtually attend all the keynotes and events accordingly following the MWC 2021 theme of Connected Impact.
New realme TV models are spotted on the Bluetooth SIG listing
realme has missed the opportunity to launch their new product line which is TV due to the cancellation of the MWC 2020. However, there were still rumours saying that the company will proceed with the launch in India this year despite the pandemic. Before that happens, we have spotted two TV models from realme on the Bluetooth SIG certification listing, revealing another range of TVs that are going to be launched in the near future.
Another render of the upcoming OPPO smartwatch surfaced on the Internet
Earlier, we have seen the first render of OPPO's upcoming smartwatch, which was expected to launch alongside the Find X2 at MWC 2020. However, the event has been cancelled due to the outbreak of COVID-19 and we can only wait until March now. To hype things up again, a new render of OPPO smartwatch surfaced on the Internet and it has a different colour finish this time.
realme X50 Pro 5G will be launched online in Madrid instead of MWC Barcelona 2020
Due to fears of a coronavirus outbreak, GSMA yesterday confirmed that this year's Mobile World Congress (MWC) has been cancelled. Now that the event will no longer be held, there have been talks of some brands possibly running their own events during the original MWC 2020 week. It seems that this is what realme would be doing, except in a new location.
OPPO and Xiaomi to delay their events after MWC 2020 cancellation
It wasn't that long ago that the Mobile World Congress 2020 was cancelled due to the coronavirus outbreak. Annually held in Barcelona, Spain, it's the world's largest mobile showcase event and there are reports that some smartphone brands will be rescheduling their events. This includes OPPO and Xiaomi, perhaps even Huawei as well.
Huawei confirms to be at MWC 2020 while others are backing off
With all the big companies pulling out from the Mobile World Congress (MWC) 2020, it remains a question whether the event would still be held. Today, we've also heard that the organiser GSMA is going to have a meeting this Friday to decide the fate of MWC 2020. However, there are still companies making confirmations of their appearances at the event through official announcements, and one of them is Huawei.
MWC 2020 could get canceled, GSMA to meet up this Friday to decide
Mobile World Congress 2020 or MWC20 could get canceled due to the Wuhan novel coronavirus (now known as Covid-19) outbreak. While Xiaomi have indicated that they'll be attending and realme teased a new phone reveal there, a number of other big names like Sony, vivo, Intel and MediaTek have all said that they'll be pulling out from the show.
vivo, Intel, MediaTek and more will be skipping the MWC 2020 too
If you've been following the news of this year's Mobile World Congress (MWC), you must've known a lot of companies are pulling themselves out in a concern of health and safety issues. The virus outbreak not only has affected thousands of people, but it has also taken away many lives as well. Therefore, many companies think that skipping the MWC 2020 would be a wise choice, including vivo, Intel, Mediatek, TCL and more.
Sony joins several exhibitors to skip the MWC 2020 due to virus concerns
The coronavirus has spread from land to land and almost every country has started to take precautions against it. From banning China travellers entering the country to cancelling events, these are the things that are currently happening to ensure people's health and safety. Although the Mobile World Congress (MWC) 2020 has not been cancelled, there are still few exhibitors who announced that they will not be joining this year. Today, Sony becomes the fifth exhibitor to pull out from the event, in concern of the virus outbreak as well.
Is realme going to reveal the X50 Pro at MWC 2020?
If news of a potential realme smart TV and smartwatches weren't enough for you, how about a new flagship smartphone? Since it's the Mobile World Congress (MWC 2020) and realme has confirmed it will be doing a global launch, a new smartphone is definitely par for the course.


CITRA PEREMPUAN DALAM MAJALAH WANTTA ISLAM "UMMI"
This research aims to comprehend the social construction develop and build by magazine of Moslem women Ummi towards gender stereotype passing depiction of various image under consideration as the core important. Ummi Magazine was selected based on the reason of the role of woman in managing the magazine. This can eliminate the gender bias and lift the degree of woman position appropriately. This research uses the framework of opinion of social constructionism which introduced by Peter L. Berger and Thomas Luckman, assuming that reality attended by a media is not a reality in fact but illusion reality formed by throughout history process, social strength, political, economic, social and cultural influences. By combined analyses, the framing model of Robert M. Entman and framework analyse of the discourse of Sara Mills which obtained by result that magazine of woman Ummi not yet full free from the gender stereotype in depicting woman in discussion of important issues. The above mentioned will be seen from a way of telling a story which have not yet happened in the woman perspective. Despite, this magazine still positioning woman as an object which tends to subordinate to men. Nature of subordination was look from the weakness of woman depiction, emotional, and don't dare to make an important decision.


Carol Elderkin of Florence drifted down a section of the Connecticut River in Holyoke Thursday afternoon in a long shell, pulling hard at long oars. Rowing in the front of the boat, Stephanie Moore, director of Holyoke Rows in Holyoke, shouted words of encouragement.
From a distance, it was easy to miss that Elderkin was rowing exclusively with her right hand and right foot.
Ever since she was run down at age 10 by a hit-and-run driver and "left for dead," said Elderkin, 54, she hasn't been able to move the left side of her body. Before the accident, she had dreams of competing in the Olympics as a gymnast.
"Second, third and fourth grade, my ultimate dream at that point in my life was to become a gymnast on the uneven parallel bars, the rings and floor," Elderkin said.
After her accident, Elderkin gave up hopes of competing in anything ever again. But then, three years ago, she discovered adaptive rowing at Holyoke Rows on Jones Ferry Road in Holyoke. The community rowing club, which is run by Moore and incorporates programs for people with disabilities, has given her a second chance at being an athlete.
By using a pulley system attached to a wooden frame that rests at the bottom of the boat, Elderkin is able to control the left oar by peddling with her right foot, and she pulls the right oar with her right hand.
As she talked, she sat among others from ServiceNet's Enrichment Center in Chicopee, including Kathleen Saunders, 57, who had invited Elderkin to try rowing. ServiceNet is a nonprofit agency that provides services for disabled people. Money from a state grant allows staff from the enrichment center take groups to Holyoke Rows every Thursday.
For Saunders, who paused to talk while cleaning a shell under the direction of volunteer Bo Tanner, who also uses a wheelchair, rowing is a chance to escape.
"It's relaxing, beautiful and freeing. Just seeing the trees and all that water in front of you and behind you. It's just so peaceful out there," she said. "You leave all your problems behind," Elderkin added.
During the week, Elderkin lives at a home in Florence run by ServiceNet for people with head injuries. To get around, she uses a special wheelchair that she can push straight forward using only her right hand. On her left wrist, Elderkin, who is partially blind, now wears a watch that tells the time out loud. Over time, Elderkin says she has accepted her injuries as permanent.
She recalled the night of the crash as if it had just happened. On Oct. 5, 1974, she was on her way to the Topsfield Fair with her older brother and sister. Her brother was driving and they parked across the road on the old U.S. Route 1, next to the fairgrounds, she said. They intended to sneak under the fence like she'd done the year before.
The driver, who was never identified, didn't stop and drove away from the scene. Elderkin was in a coma for about six months and couldn't talk for two years. Doctors didn't think she'd recover, she said.
"I wasn't supposed to come out of it and walk, talk or function like a normal human being again," she added.
Elderkin. who grew up with seven siblings in Hamilton, noted that she has surpassed all expectations. "I have had to find my own new way of life, and I have found something that none of my siblings have found in their lives, with the rowing."
Rowing, with all of its benefits, also poses challenges.
To get into the boat, Elderkin needs at least three people to help her into the seat — one to keep her wheelchair from rolling, another to lift her into a standing position, and a third person to hold the boat still.
Out on the water, Elderkin said, she has had to learn a special rowing technique to move both oars at once, which can be awkward. Despite these challenges, she approaches rowing with resilience — similar to how she seems to approach life.
"I have to keep going. I have to keep excelling beyond my injury," Elderkin said. "I have to be going for the gusto — the most foreseeable or unreasonably foreseeable goal … the drive in me is there to keep trying. And try I will."
On Saturday, which was her birthday, along with a few other athletes from Holyoke Rows, Elderkin competed in the BAYADA Regatta in Pennsylvania, which is the nation's oldest adaptive rowing competition for athletes with disabilities. It's the second year she has competed, and she placed second, following up a bronze medal last year, according to Moore. Moore noted the adaptive rowing program is focused on improving. Upcoming, Elderkin intends to enter in the Paper City Regatta in Holyoke, a rowing competition open to everyone, also for the second year.
Out on the water Thursday, after about a half-hour of rowing, Elderkin and Moore maneuvered their shell back to the dock. Elderkin was all smiles.
Holyoke Rows, a nonprofit community organization at the Jones Ferry River Access Center on the Connecticut River in Holyoke, was founded by Stephanie Moore in 2000 with the goal of making rowing available to everyone. Moore coached college rowing for 10 years at the University of Virginia, Florida Institute of Technology, Trinity College in Hartford, and the University of Massachusetts Amherst, before shifting her focus to community rowing.
The rowing organization offers a variety of programs, including for those with disabilities and for military veterans. More information can be found at www.holyokerows.org, or by emailing office@holyokerows.org.


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All you need to know about No Claim Bonus on car insurance
Most policyholders are familiar with the broad concept of NCB but often they do not understand the nuances. Read further to know more!
While prices generally tend to rise, car insurance offers a unique proposition whereby premiums can actually go down every year, thanks to No-Claim Bonus (NCB).
Most policyholders are familiar with the broad concept of NCB but often they do not understand the nuances, leading to disappointment at policy renewal.
Here are seven aspects of NCB you need to be aware of:
NCB is a discount only available on renewal of policy
In motor insurance, No Claim Bonus, as the name suggests, is the insurer's reward to the policyholder for not making a claim in the preceding years. That is, NCB – which is a discount ranging from 20-50% on premium payable cannot be claimed as a right but has to be earned by maintaining a claim-free record. When you buy your first comprehensive motor insurance policy, you are normally (except in the rare case of NCB transfer) not eligible for any NCB discount on the premium paid because you have no claim-free record as such. You can claim a starting NCB of 20% on the first renewal of the policy provided there has been no claim during the past year. This discount increases steadily with every claim free year up to a maximum of 50% at the end of five claim free years.
Related: How to save money while renewing motor insurance
NCB belongs to you, not your car
This is the key feature of NCB – it is associated with the policyholder and not the vehicle. Therefore, you get to retain your NCB if you replace your existing car with a new one or if you switch to another insurer at the time of renewal of the policy. NCB transfer is a fairly simple process: Assume you had purchased a car in 2008, which was then sold in 2013 on or after the 5th policy anniversary. If you never made a claim during the period, you would have earned an NCB discount of 50%. Now, suppose you buy a new car in 2015 and the premium for this car's policy is Rs 18,000 (excluding service tax), out of which Rs 15,000 is the premium for the own damage component. You can transfer the NCB earned on the previous car policy to the new car policy and claim the NCB discount on the first premium payable for the new policy. "Here, the applicable discount on the policy premium for you is 50% of Rs 15,000 which is Rs 7,500, so you end up paying only Rs 10,500 instead of Rs 18,000," says Varun Dua, CEO and founder of web aggregator coverfox.com.
What is not allowed is a person-to-person transfer, except to the legal heir in case he/she inherits the car on the policyholder's death. "Since the car ownership of the deceased will be transferred to the legal heir, so will the policy along with its applicable NCB for that particular car. At time of renewal, the heir is free to choose any insurance company he/she wishes to go with," says Dua.
Transferring NCB
You have to follow a simple procedure to effect this transfer when you are selling your old car and buying a new one. "One, you have to submit forms 29, 30 (buyer-seller agreement form) along with the letter requesting for transfer of NCB to your existing insurer," says Yashish Dahiya, CEO, policybazaar.com, an online insurance aggregator portal. Next, the insurer has to issue an NCB certificate, which is valid for three years and you need to submit the same to your new insurer.
If you are switching to a new insurer at the time of policy renewal for your existing car, you only need your last year's policy document or renewal notice that mentions the NCB you are eligible for.
If you are buying the policy online, however, it is likely that you will not have to submit the certificate – your NCB will be transferred based on your declaration. However, this does not mean that you can suppress any claims made earlier, in order to get NCB as your new insurer can cross-verify such information with your previous insurance company. "If there has been a claim, it (the new insurer) sends you a notice for recovery of the discount you may have claimed in the premium wrongfully," adds Dua.
No NCB for third party cover
Remember, the NCB discount is applicable only to the own damage premium component and not the third party liability premium, which constitutes 15-20% of the total premium. For instance, in the example earlier, the NCB discount is Rs 7,500 and not Rs 9,000 (50% of total premium of Rs 18,000).
This means that NCB is not available on third party insurance for cars. For example, if you have only third party car insurance no NCB is earned irrespective of the number of years the policy has been renewed and whether any claims have been made or not.
Small claims can cause bigger loss
While it is tempting to make a claim every time your car suffers minor damages, it is prudent to carry out a cost-benefit analysis before doing so. "This is because NCB reverts to zero even in case of a small claim. By forgoing smaller claims, you could end up saving a lot more in the form of direct discount on subsequent year's premium due to NCB," says Dua. For example, say your claim-free record for a Honda City car bought in 2011 can save around Rs 6,000 (applicable discount of 45%) in the year 2015. Now, if your claim amount in the preceding year is lower than this amount, you would end up making a loss by filing a claim. In addition, circumstances should also be factored in. "If you own an old car - with accumulated NCB of 50% - that you intend to sell, you can forgo small claims, if any, so that your NCB will translate into substantial discount on your new car's premium," says Dahiya.
Related: 6 Motor Insurance terms you must know before you claim
Protecting your NCB
You can circumvent the dilemma of having to choose between claims and NCB by buying, along with your base insurance policy, an NCB protect add-on cover which safeguards your NCB even in case of a claim subject to certain restrictions. "Let's say that the NCB protect premium for a Honda City 2011 model is Rs 1,000- 1,200 and protects you for one claim in the year. Assuming an NCB discount of Rs 6000 (as in the example above), you would still be saving close to Rs 5,000 overall," explains Dua. Further, this would be in addition to the claim amount reimbursed.
Sunset clause
The maximum NCB policyholders are entitled to is 50% i.e. once you have accumulated 50% NCB this discount will not increase even if no claim is made in future years. However, there are some exceptions to the ceiling of 50%: Those who had renewed their policies between July 1, 2002 and June 30, 2003 and had accumulated an NCB of 55% or 65%, as per the tariff prevailing before July 1, 2002. Such people are allowed to use and carry forward this higher NCB until there is a claim under their policy. Post the claim, the NCB will reduce to zero and after that the current NCB grid will come into force at policy renewals for such policyholders too.
Also Read: Common questions asked about motor and car insurance
Source: Economic Times
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