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By James Coetzee

The Ombudsman for Short-Term Insurance says that consumers have a duty to disclose relevant information and any material changes in circumstance, to their insurers to avoid the possibility of having their claim repudiated or the policy cancelled.

Consumers must be aware of the difference between a regular driver and a nominated driver in terms of an insurance policy as there is a distinct difference. Most car insurance policies are underwritten on the basis of either of these descriptions and these concepts are used to assess the risk associated with the insurance of a particular vehicle and the premium to be charged. The identity and profile of the driver of a motor vehicle is obviously an important factor in determining both the risk and the premium.

Policies that are underwritten on a regular driver basis usually allow the insured to use their own discretion when allowing others to drive the vehicle. These drivers can be any person with a valid, non-endorsed drivers license. The regular driver would be the person who uses the vehicle most frequently and more than any other driver. The regular driver may not necessarily be the owner of the vehicle. The secondary driver may not be a person that drives the vehicle on a more regular basis than the regular driver. It is vitally important that consumers correctly identify the regular driver on their policy in instances where more than one person will drive a motor vehicle, as failure to do so could result in the repudiation of a claim based on misrepresentation or non-disclosure and the policy can be declared void from inception.

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A nominated driver policy, on the other hand, only gives cover to persons who are actually nominated and recorded as a nominated driver on the policy of insurance. Any person who is not nominated and recorded, as a nominated driver on the policy schedule will not be covered in the event of a claim.

The Ombudsman says that consumers should take heed of the fact that if a vehicle is incorrectly insured or incorrect information is furnished to an insurer concerning either a regular driver or a nominated driver; this can result in a policy being declared void from inception, or the insurer having no liability to compensate for any loss or damage.

If the regular driver changes or the place of residence changes this could affect the risk of the insurer and it is for this reason that they should be notified immediately such a change takes place. It stands to reason if you consider the difference between a parent, living in a small country town who is noted as the regular driver according to the policy, when in fact the car is driven on a daily basis by a young university student living in the centre of Cape Town. The risk exposure is substantially higher and the premium would be adjusted accordingly. If the insurer is not made aware of the change when it occurs and afforded the opportunity to re-assess the risk, then the insurance company can not be held liable in the event of a claim.

If consumers are in any doubt as to whether their motor vehicle is correctly insured or not, they should seek professional advice from a licensed broker, insurance advisor or attorney prior to taking out the policy. This will avoid many problems that could arise at a later stage.

About the Author: James Conradie is a freelance writer and he has a lot of experience on the

Car Insurance

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Thursday, May 17, 2007

File:Francois fillon1.jpg

The new President of France, Nicolas Sarkozy has appointed François Fillon to head the new French government. Fillon’s predecessor Dominique de Villepin stepped down yesterday, and formally handed over the post during a ceremony today.

The nomination did not come as a surprise after the British newspaper the Financial Times had reported on May 8 that Sarkozy had introduced Fillon to Tony Blair in a telephone conversation.

François Fillon (53) has been the political advisor of Sarkozy in the UMP for the past 2 years, and he was Sarko’s campaign leader during the recent presidential elections. Fillon has experience in negotiating with the trade unions, having undertaken controversial reforms of the 35-hour workweek and the pension system. Sarkozy in his inauguration speech on Wednesday reiterated his plans to reform the French labour and social system, and Fillon will have to oversee these reforms as the new Prime Minister. Sarkozy said he wants to make the economy more flexible and lessen social tensions.

I expect I’ll end up being the first French premier with a Welsh wife.

The Guardian reported that Fillon is an Anglophile; his wife Penelope Clarke, with whom he has 5 children, was born in Wales. Ideologically, Fillon is being described as a moderate left-leaning member of the conservative UMP party.

Fillon had his first experience as a minister in 1993 when he became Minister for the Higher education and Research under PM Édouard Balladur. He later became Minister for the Post office, Telecommunications and Space, then Minister for the social Affairs, Work and Solidarity, and finally Minister for national Education, the Higher education and Research. At the university, he studied public law and political sciences.

Sarkozy might announce his cabinet of 15 ministers as early as Friday, half of which are going to be women, he said. Fillon will lead the UMP in the parliamentary elections next month. A poll on Wednesday predicted a 1.5% increase in votes for the UMP, up to 40%, compared to 28% status-quo for the allied socialists.

Reports say that Sarkozy has offered the foreign minister post to Bernard Kouchner, co-founder of Médecins Sans Frontières, who is seen as being on the left in French politics.

 Correction — Aug 2, 2010 Nader referred to the 1999 repeal of the 1933 Glass-Steagal Act. The Wikinews article omitted the word “repeal” from the account of Nader’s speech. 

Sunday, October 5, 2008

Independent U.S. presidential candidate Ralph Nader had harsh words for the Democrats who engineered yesterday’s passage of the Emergency Economic Stabilization Act of 2008, a bailout of the U.S. financial system. At a campaign stop in Waterbury, Connecticut on Saturday, Nader said that Democrats passed up a chance to enact re-regulation of the financial system and instead gave Wall Street everything it wanted.

According to Nader, Senator Chris Dodd (D-CT), Representative Barney Frank (D-MA), and other Democrats considered but rejected measures such as a tax on transactions of derivatives (a “speculation tax”) because of their financial ties to Wall Street and its lobbyists. He said that Representative Chris Murphy (D-CT), who represents Waterbury, had “become a toady” of Nancy Pelosi. He drew enthusiastic applause by calling Murphy “a dynamic fraud”, and referred to Senator Joe Lieberman as “the Hermaphrodite of American Politics”. For Murphy and Representative Chris Shays (R-CT), Nader said, supporting the bailout despite the opposition of constituents was a “profile in betrayal”. Because there were no public hearings where taxpayers and experts could weigh in on the bailout, Nader characterized it as a return to “taxation without representation“—under “King George IV” 225 years after the 13 colonies were taxed under King George III.

Asked about causes of the financial crisis, Nader pointed to the deregulation of the financial sector with the 1999 Glass-Steagall Act and further deregulation in 2000, as well as the rise of overly complex financial derivatives. He outlined a four-part reform plan:

  1. Re-regulation of financial markets
  2. Increasing shareholder control of corporations
  3. Taxpayer equity as part of any bailout, as in the 1979 bailout of Chrysler Corporation
  4. Making speculators pay by enacting a 0.1% tax on derivatives transactions (which Nader said will amount to over $500 trillion this year)

Regarding the equity warrants included in the passed bailout, Nader relayed word from an unnamed source that Treasury Secretary Henry Paulson had told Wall Street executives “don’t worry, it’s not enforceable”.

Nader told reporters that he had abandoned the Green Party because “Greens are not disciplined, and they’re not mature”, and also lack the fund-raising capabilities to break into mainstream political discussions. “They bicker and bicker,” he said, pushing out their best people. However, he endorsed several local Green Party candidates, including Chris Murphy’s opponent Harold Burbank.

The virtual media blackout for third party campaigns by national newspapers and networks has been a source of continual frustration for the Nader campaign, as well as the campaigns of Libertarian Bob Barr and Green Cynthia McKinney and the post-campaign activities of Republican Ron Paul. According to Nader, reporters tell him that editors of national media are “very bigoted against third party and independent candidacies”. Even journalists for taxpayer-supported media, such as National Public Radio‘s Terry Gross and the Public Broadcasting Service‘s Jim Lehrer, have shut him out during this campaign. Debates, he lamented, are controlled by corporate interests through the Commission on Presidential Debates.

Nader spoke to a supportive crowd of about 60 people and his campaign raised over $2000 at the event, their third visit to Waterbury. The event took place in the former building of a closed-down bank.

Friday, March 20, 2009

The United States House of Representatives approved a measure on Thursday to impose a heavy tax on bonuses to executives from companies that have been bailed out by the government. The bill was passed by a margin of 328-93.

Under the bill, executives making over US$250,000 a year would be charged a 90% tax on bonuses. The tax would apply to firms that have been given at least $5 billion in aid from the government.

The move comes after recent outrage at American International Group (AIG), which gave out $165 million in bonuses to its top executives after receiving no more than $180 billion in government bailouts. AIG has said that the bonuses had to be given out, as the company was legally required by contract to do so.

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Nancy Pelosi, the Speaker of the House, said that the bill was necessary because of the bad judgment shown by firms who received bailouts from the government.

“We must stabilize the financial system in order to strengthen our economy and create jobs. We must also protect the American taxpayer from executives who would use their companies’ second chances as opportunities for private gain. Because they could not use sound judgment in the use of taxpayer funds, these AIG executives will pay the Treasury in the form of this tax,” said Pelosi to reporters following the House vote.

The Senate is expected to vote upon a similar version of the bill. If approved, the differences between the two versions would have to be bridged before it could be signed into law.

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It is an online exam which is of about 30 minutes. There are a total of 20 multiple choice based questions. For candidates to pass the M2150-756 Brain Dumps and become IBM certified professionals, they need to obtain 75% at least. The exam structure has various components in it and candidate is tested on each component.

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IBM Certifications are Worth Your Money

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The M2150-756 Sample Questions: IBM Security Trusteer Apex Advance Malware Protection Partner Sales Mastery v1 is an IBM partnered exam that tests candidates on a set of different skills such as developing various data, dealing with security networks, checking for malware protections and other related areas. The exam consists of different sections where different topics are covered.

It is an online exam which is of about 30 minutes. There are a total of 20 multiple choice based questions. For candidates to pass the M2150-756 Brain Dumps and become IBM certified professionals, they need to obtain 75% at least. The exam structure has various components in it and candidate is tested on each component.

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Saturday, June 11, 2005

A House subcommittee voted Thursday to sharply reduce the federal government’s financial spending for Fiscal Year ’06, including eliminating taxpayer funds that help produce such shows as Sesame Street and Arthur.

The spending cutbacks far exceeded even those requested by the White House. Among initiatives slated for reduction are $39 million for conversion to digital programming and $50 million for upgrading PBS’s aging satellite technology.

The subcommittee also acted to eliminate federal money for the Corporation for Public Broadcasting, a body created by Congress to pass funds on to public broadcasters. The CPB would see a 25 percent reduction in next year’s budget, down from $400 million to $300 million, funds that currently account for 14.9% of all public broadcasting revenues[1].

Ideological concerns over publicly-financed content have recently become a point of contention for the Republican-controlled CPB. The day after the new budget was approved, CNN obtained an internal memo by NPR’s executive vice president Ken Stern that blamed the cuts on “recent public turbulence caused by CPB chairman Ken Tomlinson’s irresponsible attacks on public broadcasting.” Stern’s memo also told staffers the cut would not hurt NPR directly because it receives little direct support from the CPB. Instead, he emphasized, smaller local stations that rely upon federal dollars are most likely to be affected, which could in turn take a bite out of regular dues and fees, NPR’s largest revenue source.

Under the budget, the Ready to Learn program’s $23 million appropriation for children’s shows is rescinded in its entirety. John Lawson, president of the Association of Public Television Stations, said the cut was retribution for an episode of “Postcards From Buster” featuring a pair of lesbian parents from Vermont. A spokesman for the Appropriations Committee, John Scofield, denied the claim.

“Ready to Learn was one of more than 50 programs terminated in the spending bill,” he told the New York Times. “It might be a nice program to do, but not in a flat budget with large budget deficits. We felt the same way about 49 other programs.”

Overall, the cuts would signal the most dramatic cutback of public broadcasting since Congress created the CPB in 1967. The spending bill is expected to pass the Appropriations Committee and the House, but final legislation will be negotiated with the Senate.

Tuesday, October 28, 2008

Acting teacher and director Milton Katselas died Friday at age 75, after suffering from heart failure at Cedars-Sinai Medical Center in Los Angeles, California. He began the Beverly Hills Playhouse in 1978 and taught acting classes there to noted actors including George Clooney and Gene Hackman. Katselas is survived by a sister and two brothers.

Katselas directed an off-Broadway production of Edward Albee‘s The Zoo Story, and received a Tony Award nomination for his 1969 direction of Butterflies are Free. Actress Blythe Danner won a Tony Award for her role in Butterflies are Free under Katselas’ direction. He moved to California to direct the film version of that play, and went on to direct films and television movies. Actress Eileen Heckart received an Academy Award for her role in the film version of Butterflies are Free.

Katselas directed the San Francisco and Los Angeles productions of the play P.S. Your Cat Is Dead! by playwright James Kirkwood, Jr. In his author’s notes in the publication of the script, Kirkwood acknowledged Katselas, and wrote that the plays were “directed with incredible energy and enthusiasm by Milton Katselas, to whom I am extremely indebted”.

Katselas directed the television movie Strangers: Story of a Mother and Daughter, and actress Bette Davis received an Emmy Award for her role in the movie. Katselas taught many famous actors including Michelle Pfeiffer, Richard Gere, Robert Duvall, Jack Lemmon, Al Pacino, Goldie Hawn, Christopher Walken, Burt Reynolds, George C. Scott, Elizabeth Taylor, Richard Burton, Alec Baldwin, and Patrick Swayze. Katselas was credited with being able to nurture actors with raw talent so that they could develop strong Hollywood careers. He utilized innovative techniques in his courses – one course called “Terrorist Theatre” had a simple premise: successfully get an acting role within six weeks or leave the course.

He grew up in Pittsburgh, Pennsylvania to parents who had immigrated from Greece, and graduated from Carnegie Mellon. He studied acting with Lee Strasberg in New York at the Actors Studio, and received advice from directors Joshua Logan and Elia Kazan.

Katselas was a prominent Scientologist, and a July 2007 profile on Katselas in The New York Times Magazine observed that some of his students stopped taking courses at the Beverly Hills Playhouse because they felt they had been pressured to join the Church of Scientology. According to the article, Katselas credited Scientology founder L. Ron Hubbard “for much of his success in life”, and one of his students works at Scientology’s Celebrity Centre. The article commented that some in Los Angeles view the Beverly Hills Playhouse as “a recruitment center for Scientology”.

Katselas met L. Ron Hubbard after moving to California, and began studying Scientology in 1965. The New York Times Magazine reported that he had reached the level of “Operating Thetan, Level 5, or O.T. V.” in 2007. According to The New York Times Magazine when Scientologists proceed up the “The Bridge to Total Freedom” they learn the story of Xenu, and that: “75 million years ago the evil alien Xenu solved galactic overpopulation by dumping 13.5 trillion beings in volcanoes on Earth, where they were vaporized, scattering their souls.” A Church of Scientology publication, Source, lists Katselas as reaching O.T. V. in 1989.

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He is brilliant, and knows me so well as a person and an actress that he gets the most out of me.

Though some actors felt pressured to join the Church of Scientology after taking courses at the Beverly Hills Playhouse, at least one individual felt Katselas was not active enough with the organization. Actress Jenna Elfman left the Beverly Hills Playhouse because she felt Katselas was not committed enough to Scientology. Katselas had previously directed Elfman in half of Visions and Lovers: Variations on a Theme, two one-act plays about relationships that he had written himself. In 1999 Katselas had planned to adapt the script of Visions and Lovers to a film version, and Elfman was set to reprise her role from the play. In an article in Variety about the project, Elfman commented on her experience working with Katselas: “He is brilliant, and knows me so well as a person and an actress that he gets the most out of me.”

Other prominent Scientologist actors who have studied under Katselas include Giovanni Ribisi, Jason Lee, and Leah Remini. According to Rolling Stone, Katselas also recruited actress Kelly Preston to Scientology. Actress Nancy Cartwright (the voice of Bart Simpson), told Scientology publication Celebrity that Katselas motivated her to get more active in Scientology, and she stated she took the organization’s “Purification Rundown” and her life “took off completely”.

Life is an endless unspooling of art, of acting, of painting, of architecture. And where did I learn that? From Milton.

Anne Archer was introduced to Scientology while studying at the Beverly Hills Playhouse, as was former Scientologist and now outspoken critic actor Jason Beghe. Beghe told Roger Friedman of FOX News in April 2008 that “He [Katselas] gets kickbacks”, and that he was brought to a Scientology center by fellow Beverly Hills Playhouse classmate Bodhi Elfman, Jenna Elfman’s husband. In a 1998 article for Buzz Magazine, Randye Hoder wrote “In his class, Katselas is careful not to label anything as a tenet of Scientology, but there is no question that the church’s influence seeps into the playhouse.”

Anne Archer’s husband and fellow Scientologist, producer Terry Jastrow, commented to The New York Times Magazine that Katselas changed the way he experiences life on a day-to-day basis: “I go out in the world and look at human behavior now. I see a woman or man interacting with a saleslady, and I see the artistry in it. Life is an endless unspooling of art, of acting, of painting, of architecture. And where did I learn that? From Milton.”

Actor Anthony Head of Buffy the Vampire Slayer spoke highly of Katselas in a 2002 interview with San Francisco Chronicle: “He’s this wonderfully intuitive teacher and his premise is basically: The only real barriers are the ones we put in front of ourselves. If you say, ‘My character wouldn’t do that’ — bollocks! Ultimately it’s you who wouldn’t say that. Who knows what your character might do.” In the acknowledgements of her 2004 autobiography Are You Hungry, Dear?: Life, Laughs, and Lasagna, actress Doris Roberts wrote: “I thank my friend and acting teacher, the incredible Milton Katselas, for his insights, wisdom, and inspiration, which have helped make me the actress that I am.”

I really care about the craft of acting. It’s absolutely necessary to take the time and patience to really develop an actor.

Katselas authored two books: Dreams Into Action: Getting What You Want, first published in 1996 by Dove Books, and Acting Class: Take a Seat, which came out earlier this month. Dreams Into Action, a New York Times Bestseller, sought to modify motivational acting exercises to the field of business.

In an interview in the 2007 book Acting Teachers of America, Katselas commented on his experiences as an acting teacher over the years: “I have very special teachers here at the Beverly Hills Playhouse—some have been with me for over twenty-five years. I believe that to make a difference over the long haul, we need to train teachers. I really care about the craft of acting. It’s absolutely necessary to take the time and patience to really develop an actor.”

Thursday, April 21, 2005

On Monday residents of an apartment building just outside of Paris discovered a World War II bomb lodged in their chimney. Officials were able to defuse the device, reports All Headline News. However, there are other remnants of the World Wars that have been much more difficult for the French to defuse.

The prevalence of anti-French sentiments reached a frenzied zenith prior to the U.S. invasion of Iraq. While it seemed that the storm had calmed recently, this week’s release of Richard Chesnoff’s latest book, The Arrogance of the French: Why They Can’t Stand Us–and Why the Feeling Is Mutual, reminds us that this issue is not going away anytime soon. While there have been fewer sightings of “liberty toast” in recent months, from discussions with students in both the U.S. and France, this reporter found that America’s perception of the French remains a hot topic of discussion on college campuses.

Bryan Doeg, a military science student at the University of Central Florida, outlined the two prevailing thoughts that are the basis for many of these anti-French sentiments.

“Most of my fellow students feel that the French are politically and militarily weak,” said Doeg. “And their people are stuck up.”

Doeg believes that he and his classmates are not without reason for their perceptions about the French.

“They are weak because of France’s decline in power over the last century and it’s defeats against the Germans and Algerians,” Doeg said. “And most of my experiences regarding their arrogance comes from soldiers who visited France and were treated like untouchables by the locals.”

Southwest Missouri State (SMS) finance major, Fabian Florant, got straight to the point when discussing Doeg’s first assumption that the French are weak.

“Americans hate the French with a passion because of World War I and II,” Florant said.

However some students pointed to France’s involvement in the American Revolution, questioning how long America’s memory really is.

Jessica Morgan, an SMS English major, said that this and other examples have shown that France is far from being weak.

“They stood up against Hitler when he was in his prime for months before he occupied their country,” Morgan said. The fact that by the time we got there, the Germans were a heck of a lot weaker than they were when the French had to face them doesn’t seem to register.”

Morgan emphasized that France’s refusal to support U.S. war efforts is a resounding display of strength.

“It’s somewhat ironic that we call them weak,” Morgan said. “They stood up to the U.S. as well, daring the disapproval of the U.S. … and all we can do is throw childish insults back at them.”

Lysiane Lavorel, a native of France and college student studying English there, offered a tongue-in-cheek response to France’s supposed weakness while making reference to the 1996 film Independence Day.

“As for the French being weak, it’s true that in comparison with the strong and good Americans preventing aliens from invading the Earth, we are more than weak,” Lavorel said. “It’s true that we don’t have any real impact on the world, and I find it much more comfortable that way … I wouldn’t want to feel responsible for a war, for example.”

Doeg’s second assumption is that the French are arrogant, and Lavorel agrees again.

“Yes of course, I think we French are very arrogant,” Lavorel said.

Lavorel went on to explain her definition of French arrogance.

“It’s quite hard for us to see how people [Americans] seem to be so easily manipulated by government, big firms or media,” Lavorel said. “Because for most French, we have learned to become skeptical, doubtful and to make our own opinion on things. This appears to be very arrogant, doesn’t it?”

However, she pointed out that this is especially true of Parisians, from which she says many of American’s perceptions about the French are based.

“Even in France, they [Parisians] are said to be arrogant,” Lavorel said. “They are said to consider France as only composed of Paris, and provincial people are just hillbillies.”

An American student at a California university, who asked to remain anonymous to prevent the damage of his reputation among colleagues, said that he would describe 90 percent of the Parisians he has met as being arrogant.

“In an academic setting, this arrogance is particularly frustrating,” the source said. “Often the Parisians I know belittle other people when they understand a complicated concept better than another person.

“On one occasion, a Parisian made a fool out of a good friend of mine,” the source said. “My friend asked him how to model the eigenfunction of a microdisk resonator with finite-differences time-domain. He said ‘everyone knows you can derive these fields analytically.”

The source said that he is not perpetuating these stereotypes and that his preconceived notions do not alter how he perceives these interactions.

“Often I’ll hear someone say something like, ‘Oh and be careful when you meet him–he’s French,” the source said. “But you know, 99 percent of the time, all of the stereotypes prove to be perfectly true and the warning is useful.”

SMS media student Lydia Mann, who visited France for two weeks recently and has hosted two French foreign exchange students, said that these perceptions are based upon cultural differences.

“Americans, I think, misunderstand their culture which leads to their actions,” Mann said. “They make a point to make themselves individualistic, which people find rude.”

SMS English major Christin Green agrees and believes that this entire discussion that attempts to blanket such a large group of people is ridiculous.

“I want to learn about them with an open mind and a fresh perspective, unpolluted by bias or preconceived ideas,” Green said. “It is not my place to judge or make assumptions about an entire people. There are bad people everywhere. There are good people everywhere. Stereotypes ruin this foundation and build another one that is much more destructive.”

Bridge Vs. Dental Implants}

September 7, 2017 1:18 am | No Comments

Bridge vs. Dental Implants

by

Seddon Dental

There are many factors that need to be considered before deciding whether to use a bridge or dental implants. Some of these factors are given below for you to determine which one will be appropriate for you.

1.Jaw bone preservation

Dental implants allow you to preserve your jawbone. This is because the dental implant treatment is done in an area where there are no teeth. Hence, the bone area will be stimulated and the problem of bone loss in the area will not happen. In a bridge, the procedure connects two teeth and there is no pressure on the jaw bone. This can cause the shrinking of the bone because of the absence of stimulation.

2.Better oral health

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With dental implants, the health of your teeth will not be affected. The healthy ones will remain and they will not be affected by the process. On the other hand, using a bridge requires connection with the other teeth and may require you to sacrifice the health of the adjacent teeth to provide the needed bridge support.

3. Easy Oral hygiene

Because of the easy access to the teeth done with dental implants, the usual dental care can be easily done. Bridge requires regular flossing and this can take much of your time. With dental implants, the effort of everyday oral care is just the same as without the implants.

4. Durability

As the dental implants rely on the connection of the teeth to the jaw bone, it makes them last for up to ten years. Bridge, on the other hand, relies on the strength of the teeth that the bridge is connected to. Bridge will totally rely on the natural teeth that can also be subject to decay and diseases while the implants are made of titanium and are not prone to diseases.

5. Aesthetics

The results of dental implants vs. bridge are better because of the technology that is used. They look more natural and exactly like your natural teeth.

6. Price

If you are considering the cost, you can choose bridge vs. dental implants. However in the long run, the advantages of using dental implants outweigh the cost. The durability is proportional to the cost.

Taking all of the above into consideration, you now have enough basis for deciding whether you will prefer a bridge or dental implants.

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