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and Leonard is now a multimillionaire author and producer of the movie version of Fifty Shades. – Look for TS ECET Results 2018 link on manabadi."We were like: ‘WHAT?’" says Godfrey a Fox-9/KMSP-TV reporter who lost the lower portion on her left leg in the propeller after she was flung overboard while the boat was making a turn on Christmas Lake in SeptemberThat’s correct: If Godfrey’s sister who was also aboard had been injured the $451-a-year policy would have covered her "If it would have happened the summer before when we weren’t married I would have been covered" she saidBut in Minnesota like many other states boat liability coverage can — and it appears nearly always does — exclude spouses and children"People are shocked when they hear that" she said in an interviewNow Godfrey who returned to work this week is spearheading a proposal at the Minnesota Legislature to change state insurance laws to outlaw so-called "family exclusions" in watercraft liability policiesThe proposal has prominent supporters from both parties including House Speaker Kurt Daudt R-Crown and Senate Minority Leader Tom Bakk DFL-Cook but it still faces an uphill climb Among the opponents: the insurance industryNot like car insuranceIf Godfrey’s injuries had happened in her husband’s car she could have filed a claim That’s because family exclusions have been outlawed in Minnesota since 1974 — from auto insuranceBut boat insurance is different Unlike auto insurance boat insurance isn’t required by law and family exclusions are allowedThere are no reliable estimates for how many people purchase various types of boat insurance which can include liability for injuries stemming from negligent behavior and so-called "hull insurance" for damage to the boat itself according to state regulators and the insurance industryNor is there data to precisely know how widespread family exclusions are Godfrey said she informally polled her boat-owning relatives friends and Facebook followers "I haven’t found anyone whose family is covered" she saidCarla Ferucci executive director of the advocacy group Minnesota Association for Justice said her research suggests it’s extremely rare for policies to offer coverage for family members "We’ve focus-grouped this issue and when the general public finds out their family isn’t covered they’re incensed" Ferucci saidBoat policies often do offer coverage for medical payments and family members are included Godfrey’s husband Ryan Novaczyk had such a policy But such policies are often capped and don’t cover non-medical expenses such as lost wages which can quickly add up in a life-altering injury Similarly personal health insurance doesn’t cover such expenses Liability insurance does cover those expensesInsurers fight itMinnesota’s insurance industry is fighting thisThe proposal would make boat insurance cost more and create an incentive for fraud and abuse said Mark Kulda vice president of public affairs for the Insurance Federation of MinnesotaLiability claims are based on accusing someone of negligence That’s how the system is set up To allow family members to accuse each other of negligence creates a "moral hazard" wherein all involved — except the insurance company — could benefit from essentially lying about injuries or other damagesThe distinction between boat insurance and car insurance he said is that the analogous car insurance in Minnesota — personal injury protection (PIP) — is "no fault" meaning it doesn’t matter whether anyone involved was negligentEven though it’s been like that for decades the insurance industry doesn’t necessarily like it"The problem is we’re overpaying for insurance right now in Minnesota" Kulda said "We don’t want that with boat insurance People will stop buying it That’s not good for us or boat owners"Despite the bill’s bipartisan support it has bipartisan skeptics as well One is Senate Majority leader Paul Gazelka R-Nisswa Gazelka is an insurance agent as wellHe’s in the process of scheduling a meeting with Godfrey and said he wants to hear her out but he’s skeptical for similar reasons as Kulda"It’s a complicated issue and I’m definitely willing to listen" Gazelka said in an interview Wednesday "But I’m not sure it’s wise to have a policy where you can sue yourself . It will dramatically drive up the cost of liability insurance"Why should boat insurance be different from auto insurance"I would rather change auto insurance so we would have lower premiums" he saidRegardless Gazelka said at this stage in the legislative session it’s unlikely the bill could be acted this year "I cannot imagine it happening this session" he saidAs a TV reporter Godfrey is both media savvy and knows how a narrative works She knows that by speaking out — she held a news conference on the issue and has been buttonholing lawmakers at the Capitol for weeks — she’ll be the face of this storyAnd she also knows what some will think: " ‘Her claim was denied and she wants to get money’ " she said "I’m not benefiting from this bill I’m not here for myself I don’t want other people to go through a trauma like I’ve been through — and then learn the insurance they thought would cover them doesn’t"New York: In a blow to the Khalistan movement President Donald Trump`s administration has declared the Babbar Khalsa International terrorist group a "risk to the US personnel and interests overseas" The National Strategy for Counter terrorism unveiled in Washington on Thursday said that Babbar Khalsa International "is responsible for significant terrorist attacks in India and elsewhere that have claimed the lives of innocent civilians" The document also lists Tehreek-e-Taliban Pakistan and Lashkar-e-Taiba (LeT) among organisations that are a potential threat to the US The US State and Treasury Departments had listed the Babbar Khalsa International and the International Sikh Youth Federation as terrorist organisations in 2002 and the LeT in 2001 The strategy document released by US National Security Adviser John Bolton takes a hard look at not only terrorists directly posing a threat to the US but also at "separatist movements overseas whose use of violence and intent to destabilise societies" Its primary focus though was on the Islamic State (IS) and Al Qaeda and their affiliates and terrorist groups linked to Iran Both IS and Al Qaeda "will probably remain the most frequent form of radical Islamist terrorism in the US for the next several years" it said Abroad the document also identified neo-Nazi and neo-Fascist groups in Europe that attack Muslims among groups that threaten Americans The strategy calls for broadening the "range of partners" in the fight against terrorism and encouraging "capable partners to play a larger role in counterterrorism efforts" It said that groups like the Babbar Khalsa International and LeT may avoid targeting the US now for tactical reason but still posed risks to it abroad About groups like the Babbar Khalsa International it said they "may avoid or deprioritise targeting US interests for now to avoid detracting from their core goals but frequently conduct assassinations and bombings against major economic political and social targets heightening the risk to United States personnel and interests overseas" Babbar Khalsa International was founded by a Canadian citizen and was based in Vancouver It has been linked to the bombing of Air India Flight 182 in 1981 that killed 329 people on the Emperor Kanishka a Boeing 747 airliner No one has been prosecuted for the attack carried out from Canada The US declaration will be an embarrassment to Canada where posters of the late Talwinder Singh Parmar the founder of Babbar Khalsa International are displayed at public events Jagmeet Singh the leader of Canada`s New Democratic Party the third largest in Canada`s House of Commons has admitted Parmar`s role in the terrorist attack "The inquiry identified specifically Talwinder Singh Parmar and I accept the findings of the investigation" he told the Canada Broadcasting Corporation interviewer earlier this year He also admitted that it was "inappropriate" to display Parmar`s pictures at public events Canada had refused to extradite Parmar who was wanted in India in connection with the killing of two Punjab police officers Parmar later returned to India and was killed during a confrontation with police in 1992 The strategy document added: "The terrorist threat to the US is growing more dynamic and diffuse as an increasing number of groups networks and individuals exploit global trends including the emergence of more secure modes of communications the expansion of social and mass media and persistent instability across several regions" When Barack Obama delivers the 16th Nelson Mandela Annual Lecture in Johannesburg on Tuesday to mark this week’s centennial of the late anti-apartheid champion Nelson Mandela’s birth the moment will be a deeply personal one for the former president His speechwriter Ben Rhodes has said that Obama considers it to be the most important speech since leaving office and Obama has written that his political awakening began with a speech against apartheid South Africa’s official government policy of racial segregation: Addressing students briefly at an anti-apartheid rally on the campus of Occidental College in Los Angeles in 1981 was “the first thing I ever did that involved an issue or a policy or politics” he said when the former South African President died on Dec 5 2013 But the speech will also have implications that stretch far beyond the personal After all the histories of the fights for racial justice in the United States and in South Africa have been closely intertwined for more than a century Here’s a look at the evolution of the overlap between the anti-apartheid movement and the US civil rights movement and what to know about the context that surrounds Obama’s historic speech American Inspirations and Early Cultural Exchange The histories of both South Africa and the United States are deeply connected to stories of one race trying to dominate another In the former a minority of white colonial rulers exerted control over the black population in the region into the 20th century with the apartheid regime persisting after independence; in the latter slavery was followed by the passage of state and local “Jim Crow” laws that enforced racial segregation in many places So it’s no surprise that comparisons and exchanges between the two cultures are long-established Beginning around the turn of the 20th century African-American missionaries and entertainers visited South Africa and black South Africans began to enroll at US universities both historically black colleges and universities as well as predominantly white schools For instance John Dube who would become the first president of the African National Congress (ANC) in 1912 studied at Oberlin College in Ohio He also wrote newspaper articles that kept black South Africans informed about what was happening with African Americans; black American publications such as the NAACP’s Crisis and Marcus Garvey’s The Negro World were available at libraries and African-American sailors who docked at ports like Cape Town brought pop cultural influences with them South Africans came to idolize African Americans actors and boxers like Joe Louis and Jack Johnson (Mandela did too as an amateur boxer himself) That exchange continued for decades and cultural and political interchange often overlapped; for example the famous South African singer Miriam Makeba married Stokely Carmichael founder of the Black Panther movement and Langston Hughes introduced many Americans to the facts of apartheid by publishing the work of black South Africans who couldn’t get published at home As black citizens of both nations struggled with discriminatory systems progressive ideas spread between the two countries even if the political activists who conceived them could not always be there to share them in person In the 1920s the South African government started becoming increasingly cautious about allowing African Americans into the country launching a crackdown that would last until the end of apartheid in the early 1990s The University of Fort Hare was established in 1916 to educate black South Africans so that they wouldn’t go to America to be educated censors banned albums by Makeba and Harry Belafonte and when Martin Luther King Jr was invited to speak in South Africa by student groups in 1966 the government denied him a visa “The exchange that started in the 1890s made them [the South African government] nervous” says historian Robert Trent Vinson author of The Americans Are Coming: Dreams of African American Liberation in Segregationist South Africa “When blacks did come to South Africa they were missionaries apolitical blacks or entertainment or sports figures there for a special reason [who] were closely followed by police” Some African-American civil rights leaders like Malcolm X made a point of traveling elsewhere in Africa and avoiding South Africa Still during this period leading into the 1960s even though much work remained to be done in the United States many South African activists found inspiration in what their counterparts in the US were accomplishing “Black South Africans who couldnt go to America idealized the African American position on some level and saw them as racial role models who came out of hundreds of years of slavery and created some type of advancement for themselves [whether] as sports heroes or writers despite Jim Crow” says Vinson “Black South Africans were a generation behind in creating their own institutions” Nelson Mandela Robert F Kennedy and Civil Rights In the 1960s however as the modern US civil rights era reached its most famous moments the dynamic between the two nations shifted A turning point came with the Sharpeville Massacre when South African police on March 21 1960 killed 69 black protesters in the town 40 miles south of Johannesburg Shortly after the government banned the ANC which Mandela had joined in 1944 Among many in South Africa there was a general sense that a new strategy was in order moving away from the American model of nonviolence associated with the leadership of Martin Luther King Jr (Interestingly both King and Mandela were inspired by the thinking of Gandhi whose own time in South Africa helped shape his thinking on nonviolence) “In that context the ANC leadership including Mandela took a very difficult decision to say ‘We tried nonviolent protests every which way for last 50 years and have gotten nowhere In fact things have gotten worse We have to go underground Either we submit or try to fight back’” says Vinson Later actions that made headlines included the car bomb that killed 19 outside of the headquarters of the country’s Air Force in Pretoria in 1983 and the explosion at a bar in Durban that left three dead and more than 60 wounded in 1986 (The ANC later apologized for the deaths of civilians in these cases which it said was the result of “insufficient training”) But as early as 1964 Mandela delivered his ‘I am prepared to die‘ speech which resonated even with King who wrote shortly after that he realized nonviolent resistance of the sort practiced in the United States was not really possible in South Africa King had also warned shortly after the massacre that the incident "should also serve as a warning signal to the United States” Even as their tactics sometimes diverged American civil rights activists continued to link their struggle to the struggle of black South Africans to show that what was going on in the American South was just one of many black struggles for equality around the world The Student Nonviolent Coordinating Committee (SNCC) declared its ties to “the African struggle” during its founding conference in 1960 a nod to the continent-wide decolonization movement and in 1964 for example it sponsored a protest at the South African Consulate to the United Nations in solidarity with Nelson Mandela and other ANC members who were trial for acts of sabotage designed to bring down the apartheid regime Martin Luther King corresponded with the first black African Nobel Peace Prize recipient Albert Lutuli who won the award in 1960 and called him one of “the dedicated pilots of our struggle who have sat at the controls as the freedom movement soared into orbit” The ties between the two movements were further cemented in 1966 And at a time when many political black activists could not enter the country freely Sen Robert F Kennedy who had become a white ally of the US civil rights movement delivered his famous so-called ‘Ripples of Hope’ speech to white students at the University of Cape Town on June 6 1966 "Each time a man stands up for an ideal or acts to improve the lot of others or strikes out against injustice he sends forth a tiny ripple of hope" he said "and crossing each other from a million different centers of energy and daring those ripples build a current that can sweep down the mightiest walls of oppression and resistance" And more militant American civil rights tactics were also influential in South Africa Anti-apartheid activist Steve Biko “developed the black consciousness movement directly out of Black Power” says Peniel Joseph Founding Director Center for the Study of Race and Democracy at the University of Texas at Austin Experts say the movement played a role in fostering a climate of discussion that empowered the students who protested mandatory classes in Afrikaans the language of their colonial oppressors in what’s now remembered as the Soweto Uprisings of 1976 What started as a peaceful protest ended with hundreds dead nationwide and photography of the violence mobilized the international opposition to the regime Get your history fix in one place: sign up for the weekly TIME History newsletter The Anti-Apartheid Movement and Progress Made Among white Americans awareness of the inequality of apartheid regime in South Africa increased in the ’70s and ’80s as President Ronald Reagan faced increasing pressure to impose economic sanctions on South Africa “By the 1970s most of Africa is independent except South Africa so South Africa looks strange [People were thinking] didn’t we get rid of colonialism” Vinson says Black activists urged Americans to boycott US companies that did business in South Africa Young African Americans were especially galvanized by the death of Biko who died in a Pretoria jail cell after an assault by a white policeman When Jesse Jackson ran for President in 1984 and 1988 he promised that as president he would restrict US investments in South Africa and increase foreign aid to African countries Awareness increased even more during the demonstrations that started outside the South African Embassy in Washington DC on Nov 1984 that a year later had lead to nearly 3000 largely symbolic arrests including 23 members of the US House of Representatives in what TIME called “one of the longest continuing demonstrations in US History” Protesters were joined by MLK’s widow Coretta Scott King Arthur Ashe and Harry Belafonte and even the children of Robert F Kennedy Rory and Douglas Rosa Parks demonstrated outside the Embassy almost exactly 30 years after she became famous for refusing to give up her seat on a Montgomery bus “For black Americans a response to South Africa is a response to them” leading anti-apartheid activists Randall Robinson told TIME in 1985 “This is a test of our own democracy” The work began to pay off in October 1986 when Congress passed economic sanctions on South Africa By the end of June 1987 more than 100 US companies had left the country in the prior two and a half years TIME reported The dismantling of the apartheid regime would officially get under way in the early 1990s when Mandela was released from jail and South African President FW de Klerk legalized political parties such as the ANC as long as they renounced violence as a tactic The regime officially ended with South Africa electing Mandela President in 1994 His election to some African Americans in the US, And, ” he said. 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thinking there was nothing you could do about it, All 68 people on board were killed." she said. just to hear their voices, Argetine legend, but only if you say that Messi is from a different planet, We must put the American worker first! It can’t affect supply.
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