Crunch:the Arts and Philosophy Festival returns to Hay-on-Wye ...

This year?s tickets have just been released for its first events as a taster of the programme to come.

Produced by the Institute of Art and Ideas and held annually in Hay-on-Wye, Crunch brings together over 500 art industry professionals from curators, critics and writers to musicians, gallery directors, actors and Turner Prize-winners, to discuss the core issues facing art in contemporary society.

The theme for this year?s Crunch is Awake in the Universe ? what gives art the ability to raise us from our emotional and intellectual slumbers and where is its edge currently to be found? Are elements of the contemporary art world asleep and where should we look for vitality?

With exhibitions from leading galleries including Lisson, View and Paradise Row, expect the best of the contemporary art scene combined with a debate series featuring the UK?s most significant cultural figures. This year we?ll be joined by the likes of Serpentine Director Hans Ulrich Obrist, former Director of the Royal Shakespeare Company Adrian Noble, novelist Mark Haddon and artists Susan Hiller and Jake Chapman.

Founded in 2008, the Institute of Art and Ideas (IAI) aims to promote all forms of creative expression. It is dedicated to creating an open and vibrant intellectual culture where innovative ideas can flourish.

Each evening ends with a themed party featuring the UK?s best emerging and established talents from Laura Marling, to The Correspondents. See http://artfestivalathay.org/ for the full programme release.

Source: http://www.shropshirelive.com/2011/09/20/crunchthe-arts-and-philosophy-festival-returns-to-hay-on-wye/

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Dealing with the global crisis

I expect the global economies to go through a difficult time over the next two years. Many analysts and economists are worried about the debt crisis in USA and Europe and the slowdown of the economies in the advanced countries.

We should be prepared for a difficult time for the Singapore economy. We can expect more people to become unemployed.

If I were the Finance Minister, I would implement the following measures:

• Allow unemployed people to make monthly withdrawals from the CPF account. The amount should be sufficient to meet their monthly expenses. This can be for a period of 12 months and may be extended.
• If there is insufficient balance in the CPF ordinary account, allow negative balance to be accumulated (with interest at 2.5% per annum). The negative balance will be recouped from future contributions, when they find a job. If it remains negative at the time of retirement, it can be a charge on the property that has been purchased with CPF funds
• The monthly repayment of the mortgage loan can be deferred during the period of unemployment.

If the unemployed people are not required to sell their property during this distressed time, the property market need not collapse - which was what has led to the problem in the USA and Europe. 

Tan Kin Lian

Live streaming of talk on life insurance

This talk will be streamed live at 9 pm tonight (Friday 23 September).
http://tankinlian.blogspot.com/2011/09/life-streaming-of-talk-get-value-for.html 

Teaching character and values in schools

 I welcome the decision by the Minister of Education to teach values and character in the school syllabus. This is an important lesson to be taught to your young people. It gives them the confidence and guidance on their future decisions.

I advocate teaching of the values of honesty, fairness, positive attitude, courage and public service. These are the values that have guided the important decisions in my life. With these values, I am confident of spending my mind on many issues. They guide me on differentiating what is right from wrong, good from bad. These values form my personal character.

Different people may wish to give different emphasis to other values, such as respect, compassion, care for others and innovation. It is all right for them to choose these other values. I believe that these values are already embedded in  my five core values.

I chose my five core values because I found them to be rather lacking in our society and will make an important contribution to improving life in Singapore.

Tan Kin Lian

Forfeiture of Lifetime membership of Gym

Hi Mr. Tan,
Did you notice the series of letters to ST Forum on the lifetime membership of a fitness club. Some people paid thousands to get the lifetime membership, to have it revoked later (presumably without refunds) because they forgot to pay the annual admin fees of a few dollars. The fitness club makes it not so easy to pay the fees (eg. no giro payment).


I wonder if this can be classified as a scam. But it definitely highlight another issue of prepaying for a product/service.


REPLY
I think that this is an unfair contract term. There is a law against such unfair contracts. I believe that this law is being handled, in some ways, by the Consumer Association of Singapore (CASE).

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Source: http://employmentusa.net/woodbridge/details/mortgage-loan-officerfredericksburg-requisition-100263br521835

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What you really want in a car insurance-review auto insurance ...

Tuesday, September 20th, 2011 at ?

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What you really want in a car insurance-review auto insurance.

To know what you really want in an car insurance can make choosing the right policy, which is a little easier. There are so many different things that imagine ever possible in the search for auto insurance and more features than you.

Auto insurance can be sold across State boundaries. This means that a company can be based anywhere in the country and the car insurance, you want to have you. This type of competition is helping the cost of car insurance, but it makes the decisions, that much more confusing.

1. What happens when an accident? You need to know that you call in an accident. Some companies have local representatives, the show you damage and a provision on the settlement. Other companies hire contractors and the insurance adjustments to do. Either, you need to understand but the procedures and select one that makes you the most comfortable.

2. There is a certain agents? Companies with branches have certain substances, which sell and maintain your insurance policy. Meet with your agent to discuss issues that come or changes, you can make for your policy. The opportunity, a given agent?s face some additional convenience. Some of the newer companies have call center to handle your questions. The most car owners are only concerned that questions get answered and it is not as you, doing the answering.

3. What is the record for the company? It is a good idea to do some research and treated to see the settlements in the past such as the company. Use the Internet for reviews of the company for your specific type of insurance cover to look for. Talk insurance benefits with your friends and family about their experiences with car. Want a company to find a data set of the handling of claims quickly and without the use of the courts.

4. What is the law in your community?You need to know exactly, how much auto insurance coverage you need to buy, before you begin, look at the various options. Keep in mind that if you are online they can be in a State with different reporting requirements. Knowing your own laws, the right choice help you for your auto insurance coverage meet.

5. What are the benefits for the choice of this auto insurance? Each company has created incentives to draw in your company. View of the incentives, to see which is suitable for your situation. Be sure to speak for all insurance companies, have any kind of coverage was the implementation. You can get a better discount or incentive, by using the same company for all of your insurance.

6. How you feel about the company and your experience? Speak with representatives of different companies that you consider before you make your final selection. If you are a call centre and representatives of any particular deal can then to check more than once. Get an idea of how the relationship works, before you jump into this relationship for good.

The right insurance is more than just the amount of coverage? you need for your vehicle. You want to be sure that you to find a company that you with good customer service. The direct insurance will be with a strong history of the settlement. You make the right choice for your needs coverage, if you begin to understand what you really need to look in an auto insurance.

Compare auto insurance and get your low auto insurance rate now, just if you review car insurance

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Filed under: Review car insurance

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Source: http://www.compareautoinsurancequote411.com/1914/what-you-really-want-in-a-car-insurance-review-auto-insurance/

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home contents insurance : Home Insurance usa Online Tips and Tricks

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Home Insurance Online tips and tricks. If you want to be sure to protect your biggest investment in the United States, you may want to be certain that you have the best possible home insurance policy you can afford. It may be quite difficult to find the best policy to meet all your needs. But it would be worthwhile. You can shop online that will help make the process much easier. There are many insurance policies that can be used if you just take the time to find the best one for your home. Shopping online can save a lot of time as well.

Below are some of the biggest advantages of buying insurance online. Performance • - This would be a much faster process, because you certainly can get the price much more quickly if you do shop online. By taking advantage of Internet shopping, you can take advantage of the many homeowners insurance quotes in just minutes. • choice - you can take advantage of the fact that many companies will receive after your business in the same time when you shop online. You will not have to run around town all the time, you can find a good site and this can help you get the insurance you need when you need them. It is great to have a great place to shop online.






• Time - time to stop the phone calls that may not be returned. You do everything you need to do is go online and shopping in a short time. • Features - You can select the features that interest you most when it comes to getting your insurance online. This is a great way to help you to pick and choose the features you want in the way that much quicker
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