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Friday, October 30, 2009

An Education

An Education | Film review | Film | The Guardian
A very unsentimental education it was, too. Nick Hornby has adroitly adapted and given a dramatic shape to the bestselling memoir by Lynn Barber, telling the true story of how, in the early 1960s, she was seduced as a 16-year-old schoolgirl by an older man. This sociopathic charmer's seduction crucially extended to her poor old mum and dad, dazzling them into being complicit in the arrangement; along with their daughter, they went into a clenched denial about what was happening.

Seen from a certain angle, that could look like misery-lit, a story of sex abuse and class shame, were it not for the fact that it is extremely funny. Hornby's screenplay catches the stranger-than-fiction absurdity nicely, and, although he softens the most excruciating moment from Barber's book, his script gives the audience a clear view of the painful delusions of all concerned. Lone Scherfig directs, and there is a wonderful performance from 24-year-old newcomer Carey Mulligan as Lynn – here renamed Jenny – the heartbreakingly vulnerable pseudo-sophisticate earnestly cramming for her Oxbridge exams, and longing for real experience.

Cara Seymour and Alfred Molina play Jenny's parents, the mother a kindly soul, sensitive to her daughter's unformed yearnings, the dad a grumpy martinet: a great insister on homework and obsesser on the subject of all the money he's forking out on school fees, uniform, etc.

One rainy day, when Jenny is carrying her cello home from an orchestra rehearsal, super-smooth David pulls up in his flashy car and coolly offers her a lift. He is played by American actor Peter Sarsgaard with a slowish, carefully enunciated English voice that by accident or design really does sound very creepy. David captivates her with his casual directness, his exotic Jewishness, his worldly manner. David has a compulsive liar's sixth sense for other people's weaknesses. He picks up on Jenny's need to be taken seriously – and to escape.

On being invited back to meet her parents, David walks into their modest living room to catch Jenny's father Jack making an apparently antisemitic remark. He had been blathering about one of Jenny's old boyfriends being a "wandering Jew", simply because of his gadabout ways. It's an innocent turn of phrase, but with an instinctive strategic brilliance worthy of Stephen Potter's Lifemanship academy, David puts Jack at a disadvantage. Dad will now have to allow him to take his daughter out – or else be thought a bigot. Soon David is turning the charm on her parents, turning them into his simpering, giggling fans, and he introduces Jenny to a thrilling new world of restaurants, nightclubs and naughty weekends in Paris. Shamingly, her dad abandons his strictness and turns a blind eye to everything, hoping this apparently rich man might marry her. But there is a dark side to David: he is a chancer, a fantasist and a seedy underling of slum landlord Peter Rachman. He is also deeply strange in bed, with his baby-talk and weird, fastidious lack of enthusiasm for the act itself. Jenny is on the brink of throwing her future away on a tacky illusion.

Some of the best parts of the film show Jenny's dreamy delight in going out à quatre with David and his glamorous friends Danny and Helen, played by Dominic Cooper and Rosamund Pike. At last, she is being treated like a grownup! Pike is outstanding as the faintly vacant and glassy-eyed Helen who is nonetheless entirely aware of what Jenny is feeling, and becomes the nearest thing she has to a real friend. When they first meet, Jenny reaches across and wonderingly strokes Helen's fur coat, like a child, before she can stop herself. "Yes, it's lovely isn't it?" smiles Helen – gentle, understanding, knowing not to make Jenny feel small.

The story, as it is played out, is not too far from the kitchen-sink dramas from the 60s era of Billy Liar and A Taste of Honey. Traditionally, it's the working-class girl who gets above herself, gets into trouble and has to get it sorted. But this girl is middle class and pregnancy isn't what happens: what is aborted, or almost aborted, is Jenny's Oxford career. Her horrible and quite genuinely antisemitic headmistress – a great cameo from Emma Thompson – expels her on learning that she is engaged to a Jew. In the book, there is a brilliantly awful and all-too-real moment when her poor old dad has to go cap-in-hand to the headmistress after the affair has collapsed, begging her to let his humiliated daughter return and sit the Oxbridge exams after all. In the film, Jenny stays heroically defiant, and gets private coaching.

So why on earth didn't Jenny question her shabby lover more closely? In the book, Barber semi-seriously claims it was because her teenage self affected a ropey suburban existentialism that forbade such questioning as "bourgeois". Hornby's script suggests that this wasn't exactly it. She was simply conned, hobbled by her English politeness, and ashamed of her English lack of sophistication. She was taken in, as we all could be, by someone brazen enough to believe in his own lies. It's a sad, painful comedy, and the lovely performance from Mulligan makes it a very enjoyable film.

Coffee

Anyone for coffee? | Lightweight | The Punch
Ah coffee. The workday just wouldn’t be the same without you. But have you ever had one or maybe even three too many ? Watch this brilliant cartoon with music by French band Oldelaf . It’s a dedication to that
‘over-caffeinated’ feeling.



Oldelaf - le Café (english subtitles)

Thursday, October 29, 2009

Don't be ripped off by your insurance provider

detik Finance : Teliti Kembali Asuransi Anda
Indonesia adalah merupakan negara yang terletak pada bagian yang menjadi pusat gempa dunia, fakta yang ada gempa sering terjadi dan mungkin dapat terjadi lagi, gempa terakhir (semoga benar adanya) ketika hari Jumat yang lalu gedung di Jakarta terasa bergoyang disebabkan karena gempa yang berkekuatan 6,4 skala richter, sebelumnya juga ada gempa di Padang, di Tasikmalaya dll.

Lalu permasalahannya adalah bagaimana kita sebagai manusia dewasa mampu untuk melakukan manajemen resiko khususnya melakukan antisipasi kepada keluarga yang kita cintai atas kemungkinan terburuk saat kita meninggal akibat terjadinya gempa atau bencana alam lainya? Dapatkah orang yang kita kasihi mampu bertahan dengan kondisi keuangan yang cukup? Sementara sumber penghasilan berhenti akibat bencana yang merenggut nyawa.

Pembaca yang bijak sebagian cara dalam melakukan manajemen resiko adalah melakukan transfer resiko kepada perusahaan asuransi, dalam hal kematian tentu kita dapat melakukan transfer resiko kepada perusahaan asuransi jiwa. Namun alangkah baiknya bagi mereka yang telah memiliki asuransi jiwa dimohon untuk meneliti kembali polis asuransi jiwa yang dimilikinya, serta bagi yang belum memiliki asuransi jiwa penjelasan dibawah ini mungkin dapat membantu anda untuk dapat memilih produk asuransi yang paling tepat.

Sebuah kontrak asuransi jiwa adalah kontrak antara penanggung (perusahaan asuransi) dengan tertanggung (nasabah), namun dalam kontrak khususnya asuransi jiwa dikenal dengan istilah Kontrak Adhesi yakni sebuah kontrak yang dibuat oleh satu pihak dan ditawarkan atas pilihan take it or leave it sehingga pihak yang lain (nasabah) hanya diberi ruang yang sangat kecil untuk melakukan tawar menawar atas manfaat yang ada dalam kontrak tersebut. Berkenaan dengan masalah kontrak tersebut maka sudah selayaknya nasabah meneliti kembali isi kontrak asuransi yang tertera dalam sebuah polis dengan tujuan agar orang yang kita cintai dapat menerima manfaat sesuai dengan nilai yang tertera pada polis asuransi tersebut.

Pembaca, ada beberapa klausul yang memerlukan 'perhatian khusus' dari pemegang polis hal ini disebabkan karena dapat menimbulkan hal yang bersifat ambigu (dapat ditafsirkan menjadi beberapa arti) dan lebih jauh lagi kami menyebutnya sebagai 'grey area' atau area yang tidak jelas dari sudut pandang nasabah. Berikiut adalah sebagian kecil dari contoh klausul yang tertera dalam kontrak polis asuransi jiwa:

1.Pengecualian

Dalam polis asuransi jiwa tertera pasal yang menyatakan ’Pengecualian’ alangkah baiknya kita teliti kembali pasal tersebut, banyak perusahaan asuransi menyatakan bahwa bencana alam merupakan salah satu alasan untuk tidak membayar manfaat bagi tertanggung.

Ini berarti jika tertanggung meninggal dunia karena menjadi korban gempa (seperti kasus gempa di Padang yang baru lalu) maka sesuai dengan kontrak asuransi dapat dipastikan keluarga yang ditinggalkan tidak akan menerima manfaat yang berupa uang pertanggungan.

Memang dalam kontrak tersebut dinyatakan "Bencana alam yang dinyatakan oleh pemerintah Indonesia", sejujurnya arti kalimat ini sangat tidak jelas, ini merupakan 'grey area' atau dapat disebut area yang dapat diartikan dengan 'ya' atau 'tidak', hal ini tergantung kondisi, jadi sebagai tertanggung atau pemegang polis berhak untuk menanyakan hal ini kepada penanggung (perusahaan asuransi). Saran kami alangkah baiknya jika hendak memilih perusahaan asuransi jiwa silahkan pilih perusahaan yang tidak mencantumkan klausul bencana alam tersebut.

2.Pembebasan Pembayaran Premi

Dalam hal jenis manfaat yang akan diterima ada beberapa manfaat tambahan berupa pembebasan pembayaran premi jika ternyata pemegang polis, pembayar dan atau 'tertanggung' tidak dapat memiliki penghasilan baik disebabkan karena sakit maupun karena mengalami kecelakaan.

Namun biasanya manfaat ini baru dapat dilakukan jika telah dapat dibuktikan secara terus menerus sekurangya dalam waktu 3 bulan (90 hari) dan bahkan ada perusahaan asuransi jiwa yang mensyaratkan pembuktian sekurang kurangnya selama 6 bulan (180 hari).

Menurut kami ini juga merupaka 'grey area' karena selama periode persyaratan pembuktian minimal 3 atau 6 bulan mewajibkan pemegang polis (pembayar) untuk membayar sejumlah premi tertentu selama kurun waktu minimal tersebut, jika ini dilaksanakan maka perusahaan asuransi menyatakan pemegang polis (pembayar) dinyatakan terbukti berpenghasilan maka manfaat Pembebasan Premi secara otomatis tidak dapat berfungsi, sedang jika pemegang polis (pembayar)tidak membayar premi maka secara otomatis polis akan tidak berlaku.

Dari kedua contoh diatas semoga dapat menjelaskan sebagian dari isi kontrak yang bersifat ambigu, karena itu sebagai pihak nasabah sudah sewajarnya untuk melakukan review atas isi kontrak polis asuransi jiwa. Hal ini tentu bertujuan agar anggota keluarga yang kita cintai dapat menerima manfaat sesuai dengan yang tertera di dalam polis, jangan sampai karena kecerobohan kita manfaat tersebut tidak dapat diterima oleh keluarga.

Pembaca yang budiman, asuransi jiwa adalah suatu keharusan agar resiko kerugian finansial dapat dieliminasi namun membaca dan mengerti isi kontrak adalah suatu kebutuhan dasar. Demikian semoga bermanfaat, selamat memilih dan meneliti kembali asuransi jiwa anda.


Wednesday, October 28, 2009


Price of living: what's costing you more? | Money Matters | News.com.au
WE'RE paying a lot more for electricity, water and sewerage, but the cost of fruit and vegies has fallen, official data shows.

Consumer Price Index data released today by the Australian Bureau of Statistics shows how much more or less Australians are paying to live, breaking each category down into how they contribute to our overall cost of living.

And the results might take you by surprise.

A huge spike in the price of electricity, water and sewerage has fuelled speculation the RBA will whack an extra 25 basis points on the official interest rate at its meeting next Tuesday.


Reserve Bank still likely to hike rates | Latest news | News.com.au
THE Reserve Bank will not be deterred from lifting interest rates next week despite the latest inflation data showing some easing in price pressures, economists say.
But the impending hike is unlikely to be as large as 50 basis points, with the cash interest rate now forecast to lift to 3.50 per cent, from 3.25 per cent.

Australia's prices rose 1.3 per cent in the past year, down from 1.5 per cent in the year to June, official data shows.

It was the slowest annual pace for headline inflation since the June quarter of 1999, when it printed 1.1 per cent.

But quarterly inflation increased to one per cent in the three months to September, up from 0.5 per cent in the quarter to June.

Economists' forecasts had centred on an annual inflation rate of 1.2 per cent and a quarterly rate of 0.9 per cent.

Underlying inflation came in at 3.5 per cent for the year, which is still above the Reserve Bank's target range.

The market already expects The Reserve Bank to increase rates by 25 basis points next week.