MultiChoice Talent Factory South Africa Academy Program 2020 for Aspiring Film-makers | Opportunities For Africans

person

Application Deadline:29 January 2020

MultiChoice Group is committed to developing and honing the skills of young, talented and ambitious African storytellers. That is why it is with pride that we announce that the M-Net Magic in Motion (MIM) programme will now be known as the MultiChoice Talent Factory South Africa (MTF ZA) in line with MultiChoice Africa’s broader MTF programme.

This new chapter will carry the same passion for film and movie making, the same devotion for excellence and will continue with our promise of enriching lives. The naming convention allows the business to consolidate all initiatives that are critical in developing a sustainable talent pipeline to the video and entertainment industry.

The MiM Academy was established in 2014 and has been instrumental in helping transform the South African film and TV industry by upskilling students and empowering them with substantial knowledge and experience in just 12 months. The MultiChoice Talent Factory (MTF), which was launched in 2018 by MultiChoice Africa, does the same by upskilling the next generation of passionate young film creatives.

To date, 58 students have been trained through MIM and are making their mark in the video entertainment industry. About 16 Mzansi Magic movies have been produced by participants of this programme and nine graduates have started their own production companies, namely: A tribe called story, Eccentric Circus and Beyond Black.

The MTF ZA programme has three pillars:

Entry Criteria

Applications to be part of MultiChoice Talent Factory ZA (MTFza) Academy class of 2020 are now open and will close on 29 January 2020 MTFza is a 12-month long industry readiness programme that affords the opportunity to learn from some of the leading TV producers in the country while acquiring valuable experience in the directing, producing, cinematography, commissioning, art direction and many other skills.”

Who qualifies?

How to apply?

Download the application form (below), fill it in, provide all the supporting documents listed below and email directly to: [email protected] by 29 January 2020 12pm. Quote the subject line: MTFza Academy 2020 application

Required documents

Important information

Related posts

Sanwo-Olu frees inmates, commuted 3 on death row | P.M. News

person

Babajide Sanwo-Olu.

Lagos State Governor, Babajide Sanwo-Olu, on Christmas Day signed two Executive Orders, with one setting free six inmates at different prisons.

Sanwo-Olu’s Media Aide, Gboyega Akosile, said in a statement that the governor also commuted death sentences of three convicted inmates to life imprisonment.

The two Orders – Executive Commutation of Death Sentence Order and Executive Grant of Clemency Order – signed by the governor were both expected to take immediate effect.

Speaking on the two orders at the Cathedral Church of Christ, Marina, Lagos, Sanwo-Olu said Nigerians should return to God with hearts of gratitude for His protection over the country and Lagos State.

He said that in spite of the numerous challenges facing the nation, it kept growing stronger.

Sanwo-Olu said that the Christmas period was a season of reflection, blessings and gifts.

”As a nation and as a state, it is only appropriate for us to count our blessings and reflect on those things that have happened to us in the course of the year and how we can improve them and be better citizens.

”For us as a state, it is also a season of giving back, so I have also signed a small release of some convicts that we have in the various prisons.

”People who have been given death sentences have been reduced to life sentences and some who have been jailed for minor offences have also been given warning and have asked for them to be pardoned,” he said.

Sanwo-Olu urged Lagos residents to continue to be law-abiding and do things in moderation.

”I want to send out a message to Lagosians that this is a season of peace. Let us live peacefully and do things in moderation.

”Let us understand that even while we are celebrating, we must do it with modesty and with a lot of decorum. Let us all remain peaceful, law-abiding and humble,” he said.

The Lagos State Advisory Council on Prerogative of Mercy in the performance of its statutory functions, under the Advisory Council on Prerogative of Mercy Law 2015, considered applications from convicted inmates.

Upon due consideration of the applications, the Advisory Council recommended the commutation of death sentences to life imprisonment in respect of three convicted inmates.

The affected inmates are Muhammed Abdulkadri, Moses Akpan and Sunday Okondo.

The Order for Clemency affected six other inmates who had been set free from different correctional centres around the country.

They are Bestman Dennar, Wasiu Jimoh, Augustine Opara, Folakemi Osin (Female), Rebecca Danladi (Female) and Nkechi Ogechi (Female).

The Executive Orders have been delivered to the State’s Attorney General and Commissioner of Justice, Mr Moyosore Onigbanjo (SAN), who would deliver them to the Prisons Service for immediate action.

Share this:

Related posts

Sanwo-Olu gives Christmas gift, frees 6 inmates, commuted 3 on death row to life

person
Sanwo-Olu presents N480m life insurance premium to 258 families of deceased workers
Lagos State Governor, Babajide Sanwo-Olu

Lagos State Governor, Babajide Sanwo-Olu, on Christmas Day signed two Executive Orders, with one setting free six inmates at different prisons.

Sanwo-Olu’s Media Aide, Gboyega Akosile, said in a statement that the governor also commuted death sentences of three convicted inmates to life imprisonment.

The two Orders – Executive Commutation of Death Sentence Order and Executive Grant of Clemency Order –  signed by the governor were both expected to take immediate effect.

READ ALSO: Sanwo-Olu declares free bus ride on Christmas for commuters

Speaking on the two orders at the Cathedral Church of Christ, Marina, Lagos, Sanwo-Olu said Nigerians should return to God with hearts of gratitude for His protection over the country and Lagos State.

He said that in spite the numerous challenges facing the nation, it kept growing stronger.

Sanwo-Olu said that the Christmas period was a season of reflection, blessings and gift.

”As a nation and as a state, it is only appropriate for us to count our blessings and reflect on those things that have happened to us in the course of the year and how we can improve them and be better citizens.

”For us as a state, it is also a season of giving back, so I have also signed a small release of some convicts that we have in the various prisons.

”People who have been given death sentences have been reduced to life sentences and some who have been jailed for minor offences have also been given warning and have asked for them to be pardoned,” he said.

Sanwo-Olu urged Lagos residents to continue to be law abiding and do things in moderation.

”I want to send out a message to Lagosians that this is a season of peace. Let us live peacefully and do things in moderation.

”Let us understand that even while we are celebrating, we must do it with modesty and with a lot of decorum. Let us all remain peaceful, law abiding and humble,” he said.

The Lagos State Advisory Council on Prerogative of Mercy in the performance of its statutory functions, under the Advisory Council on Prerogative of Mercy Law 2015, considered applications from convicted inmates.

Upon due consideration of the applications, the Advisory Council recommended the commutation of death sentences to life imprisonment in respect of three convicted inmates.

The affected inmates are Muhammed Abdulkadri, Moses Akpan and Sunday Okondo.

READ ALSO: LASU: Sanwo-Olu, investors, sign deal to deliver 8,272 units of hostel in 18 months

The Order for Clemency affected six other inmates who had been set free from different correctional centres around the country.

They are Bestman Dennar, Wasiu Jimoh, Augustine Opara, Folakemi Osin (Female), Rebecca Danladi (Female) and Nkechi Ogechi (Female).

The Executive Orders have been delivered to the State’s Attorney General and Commissioner of Justice, Mr Moyosore Onigbanjo (SAN), who would deliver them to the Prisons Service for immediate action.

vanguard

The post Sanwo-Olu gives Christmas gift, frees 6 inmates, commuted 3 on death row to life appeared first on Vanguard News.

Related posts

Soyinka tackles NASS over death penalty for hate speech

person
Nobel laureate, Prof. Wole Soyinka has written to the National Assembly, warning of the consequence of passing a bill which stipulates death penalty for hate speech.

The bill, which is sponsored by Deputy Chief Whip, Senator Aliyu Sabi Abdullahi (Niger North), has already scaled the first reading at the Senate. Titled: “National Commission for the Prohibition of Hate Speeches (Establishment, etc) Bill, 2019”, the bill also proposes the setting up of a Commission on hate speech.

In a letter to the National Assembly, titled: “Is it now cool to kill?– An anguished letter to Nigerian Lawmakers,” Soyinka said though, he is against Fake News and other debiitating vices on social media, he would not subscribe to pronouncing dead penalty for hate speech.

“I hope you will excuse me for distracting you from your onerous duties, but I am a current sufferer – and I am not alone – from a persistent nightmare. That affliction has been induced by your most recent approach to addressing an acknowledged problem that affects, not only Nigerians, but the entire global community. The nightmare consists of the fear of waking up one morning to discover that one’s name has been cited among those helpless victims on behalf of whom a repellent legislation is about to be enacted.

“The likelihood in my case is especially acute. Yes, indeed, it is no Fake News that I have denounced the purveyors of public lies and hate material as the very scum of the earth. I have called them names that come close to enrolling me among the very reprobates we all so fervently denounce. From Abuja, through Paris, London, Sochi, Dar es Salaam, Chandrigah, etc. etc., I have utilized every available platform to highlight their perverse mentality and call for concerted action against their hyper-activism against humanity in general. I have singled out the Nigerian species of this criminal pursuit as an especially virulent breed, as a subhuman aberration without conscience, incapable of remorse, sustained by abnormal reserves of sadism.

“I have closed down dozens of fake sites instituted over my name, and set in motion mechanisms for the pursuit of those who steal my identity, even where the content is quite harmless, even positive. Only recently, in Paris, I proposed that judicial mitigation under the recognition of crime passionnel should be considered for victims of Fake News who ‘lose control’ on physically encountering their violators. As you may have discerned so far, I again, and unapologetically, exploit this very development to reiterate my detestation and contempt for such pestilences that plague our humanity,” he said in the letter.

Soyinka urged the lawmaker to consider more deeply the path on which they had chosen to embark and invited them to reflect quite objectively on the company into which they were about to throw yourselves, and the consequences for the very nation they represent – including its social psyche.

According to him, the lawmakers were about to corrupt youthful impression, to join the brigade of closet psychopaths for whom the only solution to any social malaise from the trite to the profoundly” affective is – Kill! Is this what humanity and society are all about?”

“You are psyching up your ranks to pronounce yourselves affiliates of inhuman aberrations such as Boko Haram, Isis (Da’esh), al Shabbab, nomadic cow herders etc. etc. for whom killing is the only response for real or imagined wrongs, perceptions of entitlement and/or deprivation, sense of righteousness and generally – concept of a thoroughly sanitized community of mortals. You are sending out applications to join the ranks of those inadequate males who believe that the only cure for adultery is to b”ury a woman up to her neck in earth and reduce her head to a pulp under a rain of stones.

“You affirm yourselves – not for the first time, alas! –allies of those who believe that death is the appropriate cure for that physiological conditioning which, through no fault of theirs, attract them to others of the same sex. You pronounce yourselves clones of demented rulers like Yahayah Jahmeh of Gambia who preached that we all cut off the heads of homosexuals and poison alleged witches– and so on and on down a dismal list of silent, instinctive killers who have somehow managed to manipulate themselves into the corridors of ‘legitimatized’ – or illicit recesses of – Power and Force.

“By the way, are you aware that a school of thought passionately believes that thieves such as Yahayah Jahmeh, formerly of Gambia, Omar Bashir of the Sudan etc in company of numerous members of African leadership elite, including this very Nigerian society, deserve no less than the death penalty for pilfering public resources, and on a scale that continues to stagger even the most inured in this nation? Do you really, as presumably analytical minds believe that a facile and final recourse to the gallows or a fusillade of bullets at the stake, is the sole remedy to the phenomenon of the diffuse classifications possible under the abuse of communication and the sowing of hate among people?

“How precise is the definition of ‘hate’ when it becomes a yardstick for the extinction of even one human life? Haunting, hopefully, our collective conscience as a nation, even till today, is recollection of a clique of social army reformers who instituted, and carried out the execution citizens under a retroactive law. Yet others wiped out entire communities as collective punishment for the loss of members of their elite class, the military. And surely it is too soon to dismiss memory of the mass decimation of a religious group, the Shi’ites, for obstructing the passage of a motorcade of that same elite class. These are classic instances of murder, albeit under the immunity of power legitimation,” he stated.

He added that “Your motivations are also spectacularly dubious. Silencing the voices of criticism is a perennial preoccupation of power, but we know that a far more penetrative form of death, spelling the end of social vitality and relevance is incurred when human voices are silenced. Try and imagine how many “deserved” executions would be taking place in this nation right now – beginning with nearly all of you in the exalted homes of legislation – if Boko Haram had succeeded in subjugating this nation under its creed.

“Well, do not even bother with imagination, which is not as common a faculty as we tend to assume –simply check with neighbouring Mali how many, convicted of crimes against faith, Mr. Answar Dine eliminated during his brief sway in northern Mali. Or remain within this nation itself – check the statistics of death inflicted from indiscriminate bombings of the thriving concourses of humanity – schools, markets, motor parks, media houses, churches, mosques, shrines by believers in the doctrine of death as divine solution to the very crime of existence outside their narrow and perverted set of beliefs. Consider the fate of Uganda if Joseph Kony had indeed succeeded in his mission of converting Ugandans to his doctrine of – Salvation or Death!”

Soyinka said these were not imaginary scenarios, stressing that, that quick but facile option – killing – had become the current emblem of this very nation, effectively replacing the green-white-green, lamenting that something had collapsed.

He noted that the carefully calibrated structures of fellow feeling, supposedly inculcated from infancy, lied in ruins, as life wass now held cheap, casual, and trite.

He said “students kill for the thrill of it, and for assertion of cultic supremacy. Kidnappers collect ransom, yet kill. They kill even intermediary couriers. Fetishists kill in pursuit of illusions of instant wealth. Others, highly placed, kill for political office, and yet others to cover up criminalities by the deployment of killers. You cannot claim ignorance that there have been identified, over the past few decades, consortiums of killers who actually advertise their trade in select circles and canvass for clients. Your businessmen – and women – have used them. So have politicians.

“And now, you wish to add, to this culture of rampaging morbidity, the state empowered deaths of those dregs of society who titillate themselves with corrosive narratives from diseased minds, and boost their meaningless lives with the degradation of others? Are they even worth the cost of the hangman’s noose? No. True, governance has a responsibility to protect its citizens, but social malefactors must be fought and neutralized through far more painstaking methods. Reformed if possible, exposed and publicly humiliated, punished and compelled to make restitution where their actions have caused pain, anguish and destruction. That option, we know, is the more arduous path, but then, where did you obtain the notion that you were elected to occupy cushy, stress-free arm-chairs?”

Soyinka realled that when a section of this national community wanted to execute a lady called Safiyat for alleged adultery some years ago – and through the singularly revolting means of stoning to death – the nation rose above religious partisanship in repudiation of this barbaric trivialization of human life, saying that “we continue to rail against the solution of death as penalty against those whose sexual orientation is different from ours, and thereby offends the sensibilities of others. I await persuasion, offered through objective, not emotive arguments, that this new extension of the homicidal imperative is fundamentally different from those other globally repudiated candidates for the killing route to social sanitation.”

“For now, may I passionately plead with you to consider that the coarsening and debasement of youth sensibility – already too far gone – through the trivialization of life – is a spectre that may return to haunt you if coming generations are taught that it is “cool to kill”. Remember that example, especially by leadership, is a hundred times more explicit and enduring than the mere propagation of any counter-doctrine. Do not embrace the awful responsibility of impressing homicide as a way of life on the ethical template of coming generations. The chickens have a way of coming home to roost. I may be wrong of course, but their droppings already foul the common air we all breathe. Just take a deep breath, look around you, and re-consider,’ he stated.

Related posts

Soyinka confronts National Assembly over death penalty for hate speech | P.M. News

person

Prof. Wole Soyinka

By Kazeem Ugbodaga

Nobel laureate, Prof. Wole Soyinka has written to the National Assembly, warning of the consequence of passing a bill which stipulates death penalty for hate speech.

The bill, which is sponsored by Deputy Chief Whip, Senator Aliyu Sabi Abdullahi (Niger North), has already scaled the first reading at the Senate. Titled: “National Commission for the Prohibition of Hate Speeches (Establishment, etc) Bill, 2019”, the bill also proposes the setting up of a Commission on hate speech.

In a letter to the National Assembly, titled: “Is it now cool to kill?– An anguished letter to Nigerian Lawmakers,” Soyinka said though, he is against Fake News and other debiitating vices on social media, he would not subscribe to pronouncing dead penalty for hate speech.

“I hope you will excuse me for distracting you from your onerous duties, but I am a current sufferer – and I am not alone  – from a persistent nightmare. That affliction has been induced by your most recent approach to addressing an acknowledged problem that affects, not only Nigerians, but the entire global community. The nightmare consists of the fear of waking up one morning to discover that one’s name has been cited among those helpless victims on behalf of whom a repellent legislation is about to be enacted.

“The likelihood in my case is especially acute. Yes, indeed, it is no Fake News that I have denounced the purveyors of public lies and hate material as the very scum of the earth. I have called them names that come close to enrolling me among the very reprobates we all so fervently denounce.  From Abuja, through Paris, London, Sochi, Dar es Salaam, Chandrigah, etc. etc., I have utilized every available platform to highlight  their perverse mentality and call for concerted action against their hyper-activism against humanity in general. I have singled out the Nigerian species of this criminal pursuit as an especially virulent breed, as a subhuman aberration without conscience, incapable of  remorse, sustained by abnormal reserves of sadism.

“I have closed down dozens of fake sites instituted over my name, and set in motion mechanisms for the pursuit of those who steal my identity, even where the content is quite harmless, even positive. Only recently, in Paris, I proposed that judicial mitigation under the recognition of crime passionnel should be considered for victims of Fake News who ‘lose control’ on physically encountering their violators. As you may have discerned so far, I again, and unapologetically, exploit this very development to reiterate my detestation and contempt for such pestilences that plague our humanity,” he said in the letter.

Soyinka urged the lawmaker to consider more deeply the path on which they had chosen to embark and invited them to reflect quite objectively on the company into which they were about to throw yourselves, and the consequences for the very nation they represent – including its social psyche.

According to him, the lawmakers were about to corrupt youthful impression, to join the brigade of closet psychopaths for whom the only solution to any social malaise from the trite to the profoundly” affective is – Kill! Is this what humanity and society are all about?”

“You are psyching up your ranks to pronounce yourselves affiliates of inhuman aberrations such as Boko Haram, Isis (Da’esh), al Shabbab, nomadic cow herders etc. etc. for whom killing is the only response for real or imagined wrongs, perceptions of entitlement and/or deprivation, sense of righteousness and generally – concept of a thoroughly sanitized community of mortals. You are sending out applications to join the ranks of those inadequate males who believe that the only cure for adultery is to b”ury a woman up to her neck in earth and reduce her head to a pulp under a rain of stones.

“You affirm yourselves – not for the first time, alas! –allies of those who believe that death is the appropriate cure for that physiological conditioning which, through no fault of theirs, attract them to others of the same sex. You pronounce yourselves clones of demented rulers like Yahayah Jahmeh of Gambia who preached that we all cut off the heads of homosexuals and poison alleged witches– and so on and on down a dismal list of silent, instinctive killers who have somehow managed to manipulate themselves into the corridors of ‘legitimatized’ – or illicit recesses of – Power and Force.

“By the way, are you aware that a school of thought passionately believes that thieves such as Yahayah Jahmeh, formerly of Gambia, Omar Bashir of the Sudan etc in company of numerous members of African leadership elite, including this very Nigerian society, deserve no less than the death penalty for pilfering public resources, and on a scale that continues to stagger even the most inured in this nation?  Do you really, as presumably analytical minds, believe that a facile and final recourse to the gallows or a fusillade of bullets at the stake, is the sole remedy to the phenomenon of the diffuse classifications possible under the abuse of communication and the sowing of hate among people?

“How precise is the definition of ‘hate’ when it becomes a yardstick for the extinction of even one human life? Haunting, hopefully, our collective conscience as a nation, even till today, is recollection of a clique of social army reformers who instituted, and carried out the execution citizens under a retroactive law. Yet others wiped out entire communities as collective punishment for the loss of members of their elite class, the military. And surely it is too soon to dismiss memory of the mass decimation of a religious group, the Shi’ites, for obstructing the passage of a motorcade of that same elite class. These are classic instances of murder, albeit under the immunity of power legitimation,” he stated.

He added that “Your motivations are also spectacularly dubious. Silencing the voices of criticism is a perennial preoccupation of power, but we know that a far more penetrative form of death, spelling the end of social vitality and relevance is incurred when human voices are silenced. Try and imagine how many “deserved” executions would be taking place in this nation right now – beginning with nearly all of you in the exalted homes of legislation – if Boko Haram had succeeded in subjugating this nation under its creed.

“Well, do not even bother with imagination, which is not as common a faculty as we tend to assume –simply check with neighbouring Mali how many, convicted of crimes against faith, Mr. Answar Dine eliminated during his brief sway in northern Mali. Or remain within this nation itself – check the statistics of death inflicted from indiscriminate bombings of the thriving concourses of humanity – schools, markets, motor parks, media houses, churches, mosques, shrines by believers in the doctrine of death as divine solution to the very crime of existence outside their narrow and perverted set of beliefs. Consider the fate of Uganda if Joseph Kony had indeed succeeded in his mission of converting Ugandans to his doctrine of – Salvation or Death!”

Soyinka said these were not imaginary scenarios, stressing that, that quick but facile option – killing – had become the current emblem of this very nation, effectively replacing the green-white-green, lamenting that something had collapsed.

He noted that the carefully calibrated structures of fellow feeling, supposedly inculcated from infancy, lied in ruins, as life wass now held cheap, casual, and trite.

He said “students kill for the thrill of it, and for assertion of cultic supremacy. Kidnappers collect ransom, yet kill. They kill even intermediary couriers. Fetishists kill in pursuit of illusions of instant wealth. Others, highly placed, kill for political office, and yet others to cover up criminalities by the deployment of killers. You cannot claim ignorance that there have been identified, over the past few decades, consortiums of killers who actually advertise their trade in select circles and canvass for clients. Your businessmen – and women – have used them. So have politicians.

“And now, you wish to add, to this culture of rampaging morbidity, the state empowered deaths of those dregs of society who titillate themselves with corrosive narratives from diseased minds, and boost their meaningless lives with the degradation of others? Are they even worth the cost of the hangman’s noose? No. True, governance has a responsibility to protect its citizens, but social malefactors must be fought and neutralized through far more painstaking methods. Reformed if possible, exposed and publicly humiliated, punished and compelled to make restitution where their actions have caused pain, anguish and destruction. That option, we know, is the more arduous path, but then, where did you obtain the notion that you were elected to occupy cushy, stress-free arm-chairs?”

Soyinka realled that when a section of this national community wanted to execute a lady called Safiyat for alleged adultery some years ago – and through the singularly revolting means of stoning to death – the nation rose above religious partisanship in repudiation of this barbaric trivialization of human life, saying that “we continue to rail against the solution of death as penalty against those whose sexual orientation is different from ours, and thereby offends the sensibilities of others. I await persuasion, offered through objective, not emotive arguments, that this new extension of the homicidal imperative is fundamentally different from those other globally repudiated candidates for the killing route to social sanitation.”

“For now, may I passionately plead with you to consider that the coarsening and debasement of youth sensibility  – already too far gone – through the trivialization of life – is a spectre that may return to haunt you if coming generations are taught that it is “cool to kill”.  Remember that example, especially by leadership, is a hundred times more explicit and enduring than the mere propagation of any counter-doctrine. Do not embrace the awful responsibility of impressing homicide as a way of life on the ethical template of coming generations. The chickens have a way of coming home to roost. I may be wrong of course, but their droppings already foul the common air we all breathe. Just take a deep breath, look around you, and re-consider,’ he stated.

Share this:

Related posts

Apple Card faces probe over discrimination complaint | ABS-CBN News

cell phone person

Something curious happened when a husband and wife recently compared their Apple Card spending limits.

David Heinemeier Hansson vented on Twitter that even though his spouse, Jamie Hansson, had a better credit score and other factors in her favor, her application for a credit line increase had been denied.

The prominent software developer wondered how his credit line could be 20 times higher, referring to Apple Card as a “sexist program” (with an expletive added for emphasis).

The card, a partnership between Apple and Goldman Sachs, made its debut in the United States in August.

“My wife and I filed joint tax returns, live in a community-property state, and have been married for a long time,” he wrote Thursday on Twitter. “Yet Apple’s black box algorithm thinks I deserve 20x the credit limit she does.”

Hansson’s tweets caught the attention of more than just his 350,000 followers.

They struck a nerve with New York state regulators, who announced Saturday that they would investigate the algorithm used by Apple Card to determine the creditworthiness of applicants.

Algorithms are codes or a set of instructions used by computers, search engines and smartphone applications to perform tasks, from ordering food delivery to hailing a ride — and yes, applying for credit.

The criteria used by the Apple Card are now being scrutinized by the New York State Department of Financial Services.

“Any algorithm that intentionally or not results in discriminatory treatment of women or any other protected class violates New York law,” an agency spokeswoman said in a statement Saturday night.

“DFS is troubled to learn of potential discriminatory treatment in regards to credit limit decisions reportedly made by an algorithm of Apple Card, issued by Goldman Sachs, and the Department will be conducting an investigation to determine whether New York law was violated and ensure all consumers are treated equally regardless of sex,” the statement said.

An Apple spokeswoman directed questions to a Goldman Sachs spokesman, Andrew Williams, who said that the company could not comment publicly on individual customers.

“Our credit decisions are based on a customer’s creditworthiness and not on factors like gender, race, age, sexual orientation or any other basis prohibited by law,” Williams said.

David Hansson did not respond to an interview request Saturday night.

His wife’s experience with the Apple Card, the first credit card offering by Goldman Sachs, does not appear to be an isolated case, however.

Steve Wozniak, who invented the Apple-1 computer with Steve Jobs and was a founder of the tech giant, responded to Hansson’s tweet with a similar account.

“The same thing happened to us,” Wozniak wrote. “I got 10x the credit limit. We have no separate bank or credit card accounts or any separate assets. Hard to get to a human for a correction though. It’s big tech in 2019.”

In addition to Goldman Sachs, Apple partnered with Mastercard on the Apple Card, which the companies hailed as a revolutionary “digital first” credit card that had no numbers and could be added to the Wallet app on the iPhone and used with Apple Pay.

A spokesman for Mastercard, which provides support for Apple Card’s global payments network, did not respond to a request for comment Saturday.

David Hansson, a Danish entrepreneur and California resident, is known for creating Ruby on Rails, a popular computer coding language used to create database-backed web applications. He is an author and decorated race car driver on the Le Mans circuit, according to a biography on his website.

In a subsequent tweet, he said that the Apple Card’s customer service representatives told his wife that they were not authorized to discuss the credit assessment process.

He said that customer service employees were unable to explain why the algorithm had designated her to be less creditworthy but had assured his wife that the bank was not discriminating against women.

An applicant’s credit score and income level are used by Goldman Sachs to determine creditworthiness, according to a support page for the Apple Card. Past due accounts, a checking account closed by a bank for overdrafts, liens and medical debts can negatively affect applications, the page stated.

On Friday, a day after David Hansson started railing on the Apple Card’s treatment of female credit applicants, he said his wife got a “VIP bump” to match his credit limit. He said that didn’t make up for the flawed algorithm used by Apple Card.

He said many women had shared similar experiences with him on Twitter and urged regulators to contact them.

“My thread is full of accounts from women who’ve been declared to be worse credit risks than their husbands, despite higher credit scores or incomes,” he said.

2019 The New York Times Company

Related posts

Reprieve on the way for 119 Nigerians on death row in Malaysia | P.M. News

person

Malaysia execution for drug trafficking

The 119 Nigerians on death row in Malaysia may be saved from the executioner if the country’s legislature passed a bill to abolish the death penalty as being proposed by the country’s law minister Liew Vui Keong.

The minister plans to table the bill in the March 2020 sitting of Dewan Rakyat, Malaysia’s Lower House of Parliament.

According to Amnesty’s latest report, Fatally Flawed: Why Malaysia must abolish the Death Penalty, 1,281 people are on death row as of February 2019.

Foreigners make up a significant 44 percent, 568 people, with Nigerians accounting for 119. They were sentenced to death for drug trafficking.

“Nationals from Nigeria made up 21 per cent of this group, with those from Indonesia (16%), Iran (15%), India (10%), Philippines (8%) and Thailand (6%) following suit”, Amnesty said.

Amnesty International latest report: Nigerians on death row may get some reprieve soon

“A significant 73 per cent of all those under sentence of death have been convicted of drug trafficking under Section 39(b) of the Dangerous of Drugs Act, 1952 — an extremely high figure for an offence that does not even meet the threshold of the ‘most serious crimes’ under international law and standards and for which the death penalty must not be imposed,” AI said in the report.

The Nigerians have not been executed because of a moratorium on executions in place since October 2018 as the government mulls law reform.

A special task force led by immediate past chief justice Richard Malanjum has also been set up to study alternative penalties for laws carrying mandatory capital punishment.

Amnesty report points at various flaws in the Malaysian legal system, including denial of complete legal aid to foreigners.

Amnesty also said that insufficient funding of legal aid also hinders Malaysians from accessing proper representation, especially those who live in rural areas and who are not able to afford a lawyer.

“It is further concerning that because of how legal aid is structured in the different schemes that provide no free legal representatives until the trial is due to start, many defendants are left awaiting trial without any legal assistance for significant periods that have extended from months to, in most cases, two to five years,” the report read.

For foreign nationals, the report noted delays of more than 24 hours to several days before their respective embassies were informed of their arrests. This is despite international law which states that prompt communication is necessary.

Amnesty, which campaigns to end to capital punishment worldwide, called for competent legal representation be made available to all defendants.

It also called upon the police to inform all detainees of their right to legal aid.

‘Secretive’ pardons, executions

Aside from the pre and post-trial stages, gaps in legal aid also affected the ability of inmates to acquire assistance when filing their pardon petitions, noted Amnesty.

When it was available, the report cited a lawyer’s testimony about how prison officials pre-selected inmates who would be able to receive legal aid, all of whom were Malaysians.

“The decision on who gets that support is not transparent and creates an additional degree of arbitrariness and discrimination in the death penalty system,” it said.

The NGO further urged the government to solve the delays and lack of transparency in clemency proceedings.

Pardons can only be granted by the Yang Di-Pertuan Agong and the state rulers after consulting the Pardons Board. However, clear procedures for them are not laid out in Malaysian law except for some guidelines in the Prison Regulations 2000.

In practice, the report noted that inmates are often informed of their right to clemency but not the criteria for pardon consideration.

Inmates and their families are often left without any news from the authorities for a long period after submitting their petition.

The report also noted instances of delays by prison authorities in communicating the result of a pardon petition to an inmate’s family.

In the case of rejected clemency petitions, Amnesty noted that families were not informed of the date and time of impending executions except that they would happen “soon”.

“Some of the letters handed over to the families were dated two weeks earlier, suggesting that the prison authorities had held on to this information until only days before the scheduled date of the hangings,” it said.

Amnesty urged Pardon Boards to disclose all relevant information to inmates to allow them to prepare adequately for the pardon petitions.

It also wanted the boards to promptly update inmates, their families and their lawyers on the progress of their applications.

Following objections to abolishing the death penalty in total, the Pakatan Harapan government is now looking at replacing the mandatory death penalty for 11 serious criminal offences to allow for judicial discretion.

Share this:

Related posts

Not to be underestimated: Bank of America Premium Rewards credit card review


If you qualify for Bank of America Preferred Rewards, the Bank of America®️ Premium Rewards®️ Visa®️ credit card has the potential to be quite a lucrative card to use on everyday spending. For those who prefer other banks, there are better earning travel cards available. Card Rating*: ⭐⭐⭐½

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

I’ll be honest. I haven’t always been a fan of Bank of America credit cards. Though affordable with low or nonexistent annual fees, most lacked the perks that I’ve always associated with my favorite cards. However, the more familiar I get with the Preferred Banking Rewards program (and the more useful fixed-value points currencies become), the more I see the benefits of having a Bank of America card.

This card isn’t like other products that have $450 annual fees and a ton of perks; this card has a modest $95 annual fee and a more modest selection of benefits. Still, it offers great flexibility in redeeming points and yields extraordinary earn rates if you can maximize BofA’s Preferred Banking Rewards program.

In This Post

Who is this card for?

The Premium Rewards credit card has wide appeal to both points fans and credit card novices. It might not have the most lucrative points or numerous transfer partners, but what it does offer is flexibility.

I think of it as a stress-free travel card, since points are worth 1 cent apiece no matter what you redeem them for — you don’t have to worry about getting the maximum value out of every point, which can sometimes be time-consuming and frustrating.

If you like the idea of redeeming your points as a statement credit against big purchases that aren’t covered by points — such as new luggage or a TV — then this would be the card to get. You can redeem points for any purchase, whether it’s a flight, a new car or an over-the-top dinner. The points function essentially like cash.

The Premium Rewards card is also a strong option for those who tend to spend in broad bonus categories like travel and dining (2x and up with this card), but who also want solid rewards (1.5x and up) for non-category bonus spend.

The earning rate is even better if you’re already a Bank of America customer and can maximize the Preferred Rewards Program (more on that later).

It’s also a great choice for semi-frequent travelers since it comes with valuable perks like an up to $100 Global Entry/TSA PreCheck credit, an up to $100 airline credit, trip delay/cancellation insurance, baggage loss/delay insurance and no foreign transaction fees, so you won’t be hit with any surprise charges when using your card abroad.

Further reading: Is the Bank of America Premium Rewards card worth the $95 annual fee? 

Modest but valuable welcome bonus

With the Premium Rewards card, you’ll receive 50,000 bonus points after spending $3,000 on purchases in the first 90 days of account opening. These points have a fixed value of 1 cent each, meaning that 50,000 points are worth $500. This far from the most lucrative bonus out there, but $500 can go a long way towards airfare, hotel costs or anything in between.

When you consider that BofA is essentially paying you $5 every year (after you redeem the up to $100 airline credit) to have this card, you’re basically getting $500 for free just for signing up and meeting the minimum spend. Use the sign-up bonus to treat yourself to something extravagant, like a helicopter or private jet ride on Blade.

The sign-up bonus alone is worth enough to get me 2.5 trips on Blade Bounce in NYC. (Photo by Blade)

While Bank of America doesn’t have any published restrictions that apply specifically to earning welcome bonuses, remember that it does have a 2/3/4 rule when it comes to card applications. You can only get approved for two Bank of America cards in a two-month period, three cards in a 12-month period and four cards in a 24-month period.

There have also been recent reports of a threshold similar to Chase’s 5/24 rule that limits how many cards across issuers you can get within a year in order to be approved for a new BoA card, though the exact threshold is uncertain and Bank of America has not confirmed the existence of a set policy.

Perks and benefits

While the Premium Rewards card doesn’t hold a candle to top-tier cards like The Platinum Card® from American Express, it does come with a nice set of perks for the low annual fee — a lot more than basically any other mid-tier card out there. Here are my favorite perks and their value:

$100 airline incidental credit. This credit works like the Amex airline fee credit in that you can only use it for purchases such as seat upgrades, baggage fees, in-flight services and lounge fees (though not airfare). You receive the credit every year and if you’re able to use the full amount, you’re essentially getting paid $5 a year to be a cardholder. Unfortunately, it’s not as flexible as the Chase Sapphire Reserve’s travel credit or the Citi Prestige’s air travel credit, but it’s still a great benefit for someone who travels a few times a year. It only works on certain domestic airlines but it’s processed automatically, so you don’t have to call in and apply it to a certain purchase.

Global Entry. I love having Global Entry — it’s saved me from standing in countless hours of security and customs lines. Premium Rewards cardmembers get an up to $100 credit (every four years) that can be applied toward purchasing Global Entry or TSA PreCheck. It’s surprising that this card offers a Global Entry credit, as that’s usually only offered by top-tier rewards cards with higher annual fees (although the Capital One® Venture® Rewards Credit Card is another mid-tier card that offers this benefit). And if you’re already part of the program, you can still use the credit for a friend or family member’s application.

Trip insurance. It’s always important to have trip insurance since you never know when your travel plans will go awry. This card provides reimbursement of up to $5,000 per person, per trip, for any unused, prepaid, non-refundable travel expenses including passenger fares, tours and hotels if you have to cancel due to a covered reason. And if your flight is delayed for more than 12 hours, you’re eligible for reimbursement of $500 in expenses per ticket. With many issuers ditching trip insurance, this benefit continues to be a compelling reason to use this card to book travel.

Baggage delay/loss insurance: Similar to trip insurance, you’ll be eligible for protection if your baggage is lost, stolen or damaged. This provides up to $100 per day (up to five days) when your bag is delayed for more than six hours. If your luggage is stolen or lost by a travel provider, you’ll be eligible for reimbursement for the contents of the bag.

IMG-Away-Luggage
If your bag is lost, stolen or damaged, the card’s protection plan will help pay to replace all of your items. (Photo courtesy of Away)

Purchase protection. I’ve used purchased protection many times and it’s saved me thousands of dollars over the last year — Amex paid me $1,400 for a broken watch and my Sapphire Reserve reimbursed me $2,600 for a painting that was damaged in transit. You’ll get similar protection with the Premium Rewards card, which will repair, replace or reimburse you up to $10,000 for lost or damaged items purchased on the card. If you want to return an item within 90 days of purchase but the retailer won’t accept the return, you can submit your receipt and be reimbursed up to $250 (up to $1,000 annually).

Rental car insurance. Last, this card will give you secondary coverage when renting a car — meaning it will kick in only after you’ve filed a claim with your personal insurance. While not as good as many of Chase’s cards that offer primary coverage, it’s pretty good for a no-annual fee card (after maximizing the airline credit).

Further reading: Reasons to get the Bank of America Premium Rewards card

Earn points

With this card, you’re earning 2x points on travel and dining and 1.5x point on everything else. Travel and dining are defined broadly, meaning there are a lot of expenses that can qualify for double points. The real value for me personally is the 1.5x on everyday spending. As a member of the Preferred Rewards program, you can earn up an impressive 2.625x on non-bonus spending. That’s higher than any flat-rate card out there.

The Premium Rewards card doesn’t earn traditional points or miles that can be transferred and redeemed with travel partners but rather acts more like a cash-back card with huge earning potential. I honestly never thought I’d be thinking about cash back, but as airlines have devalued frequent flyer programs, the idea seems more appealing.

Although we value most airline miles at more than 1 cent each, that’s mainly based on being able to find premium cabin saver seats. With it becoming harder and harder to get good value out of points and miles, that’s where this card can come in handy.

As I mentioned earlier, points are flexible with the Premium Rewards card; you can use them on anything — airlines, the gym, etc. — essentially anywhere that accepts Visa. Your points can go toward paying for those purchases (as a statement credit) and the credit posts automatically.

(Photo by Summer Hull/The Points Guy)
With the Premium Rewards card, you can earn up to 3.5x on hotel stays — including getaways to the W Aspen Hotel pictured here. (Photo by Summer Hull/The Points Guy)

Further reading: How I earned and redeemed with BoA Premium Rewards 

Redeem points

Another thing I like about this card is that it’s zero stress and consumes very little time. You don’t need to jump through hoops to find award availability and you don’t have to go to a specific portal if you want to use your points to pay for your gym. Since points are worth the same no matter what you redeem for, you’re not penalized for redeeming for cash back. You just redeem for whatever you want.

There a few ways to redeem points:

  • Cash back — You can receive cash back as a statement credit or deposit it into an eligible BofA checking or savings, Merrill or 529 college savings account
  • Travel purchases — You can book flights directly through the BofA travel portal. This is a good way to redeem points because you’ll still be eligible to earn award miles and elite credits by flying on a paid ticket (although personally I’d recommend buying directly from the carrier because sometimes when buying through a travel portal you’ll get a lower fare class).
  • Gift cards — A final option allows for converting points into gift cards at popular merchants such as Amazon, Whole Foods and Starbucks. I wouldn’t plan on going this route since it’d be smarter to just purchase the items and redeem your points as a statement credit in case you have to return the item.

I especially love that you can convert points directly into cash that can go straight into a 529 college savings account. Last year, I converted the points from my sign-up bonus and deposited them directly into 529 accounts for my nieces and nephews. From there, I used my points as statement credits against BLADE trips to my office, which saved me hours of time.

And if you’re solely focused on travel rewards, this card can cover travel expenses that you can’t redeem miles for, like offsetting surcharges on an award ticket or amazing experiences on the ground.

Jack Skellington from Tim Burton’s “The Nightmare Before Christmas” hosts the new “Disney’s Not So Spooky Spectacular” fireworks show at Magic Kingdom Park. This spellbinding display of state-of-the-art projection effects, lasers, lighting and dazzling fireworks will delight guests during Mickey’s Not-So-Scary Halloween Party, a separately ticketed event held on select nights Aug. 16-Nov. 1, 2019, at Walt Disney World Resort in Lake Buena Vista, Fla. (David Roark, photographer)
Because points are always worth one cent each, you can use points to pay for travel experiences like your tickets to Disney World for Mickey’s Not-So-Scary Halloween Party. (Photo by David Roark)

Originally when I heard that points were worth only 1 cent each, I was a bit disappointed. But it’s honestly nice that I don’t have to jump through hoops to find award availability and I don’t have to feel bad about redeeming these points for maximum value. I can use them whenever and for whatever I want.

Further reading: How to redeem points using the BoA Premium Rewards card 

Using the Preferred Rewards program to your advantage

To get the best value out of your Bank of America cards, you need to understand Bank of America’s Preferred Rewards program. Those who hold considerable assets in eligible BofA or Merrill accounts — including retirement or investment accounts — are eligible for increased rewards when spending on the Premium Rewards card. To enroll in BofA Preferred Rewards you’ll need:

An eligible Bank of America personal checking account and a 3-month average combined balance of $20,000 or more in a Bank of America account and/or Merrill investment accounts.

There are three tiers in Preferred Rewards, and your tier is based on how much money you have in your accounts. This will determine your earning with the Premium Rewards card.

Spend Categories Regular Cardholder Tier 1 – Gold ($20,000 – $50,000) Tier 2 – Platinum ($50,000 – $100,000) Tier 3 – Platinum Honors ($100,000+)
Travel/Dining Earnings 2x points 2.5x points 3x points 3.5x points
Other Earnings 1.5x points 1.875x points 2.25x points  2.625x points

At the base level of 2x points on travel and dining and 1.5x points on everything else, the card is pretty standard. It’s good, but the Citi® Double Cash Card and Fidelity Rewards Visa Signature Card are cash-back cards with higher earning rates on everyday spend and no annual fees (though those cards don’t come with any perks).

But the numbers get pretty spectacular when you’re able to get 2.625x points on everyday spend and 3.5x points if you meet the highest banking threshold. That said, I’ll still probably put most of my travel and dining spend on my Sapphire Reserve because I value Ultimate Rewards points at 2 cents each — meaning I get 6x points (toward travel per dollar spent). But 3.5x points back on travel and dining and 2.625x points on everything else for those who don’t value travel as much as I do — and want flexibility when redeeming points — is quite strong.

airline

The way I see it is that if you can maximize Preferred Rewards, you’re essentially getting a no-annual-fee card (after using the airline credit) that gives you 3.5x on travel and dining and 2.625x on everything else. If you’re looking for a straight cash-back card, no other card comes close to that.

The moment I heard of this card, I immediately moved $100,000 into a Merrill investment account so I could start qualifying for Platinum Honors. BofA also allows the option to roll over an existing 401(k) account into a Merrill retirement account, so that this could be an easy way to qualify for Preferred Rewards.

Further reading: Stop ignoring the Bank of America Preferred Rewards program 

Bottom line

In general, this card is about diversifying your stock of points and using them for the purchases that normal airline miles or credit card points can’t cover. It’s great if you want to use your points to splurge on a crazy watch or piece of jewelry. Or you can be generous and use the points to better your family.

It’s also an interesting option for small business owners — I know a lot of doctors and executives, and at a certain point there is mileage overload where they have too many Amex points and physically can’t redeem all of them for travel (because that is the best way to redeem MR points). So if you own your own business, this card can offer 2.625x points on all of your spend and 3.5x points on all travel and dining, which you can easily redeem for cold hard cash.

For those who have been eyeing a straight-up cash-back card, this could be your best option. Simply put, it’ll be improving your bottom line — either for you personally or for your business. You don’t have to waste time figuring out how to get the most value out of your points, as the stress-free redemptions make this an easy card to manage.

BofA is obviously telling customers that they will be rewarded with its Preferred Rewards program if they move their assets to BofA. On top of the earning and redeeming possibilities, it comes with a solid sign-up bonus and some pretty nice perks, which are worth far more than the card’s annual fee. For these reasons, I continue to be excited to have status with Preferred Rewards banking and the Bank of America®️ Premium Rewards®️ Visa®️ credit card in my wallet.

Official Application Link: Apply for the Bank of America Premium Rewards Visa Credit Card 

Additional reporting by Madison Blancaflor.

Featured photo by Isabelle Raphael/The Points Guy.

Related posts

Should Netflix and Hulu give you emergency alerts?

news

New York (CNN Business)The federal emergency alert program was designed decades ago to interrupt your TV show or radio station and warn about impending danger from severe weather events to acts of war.

“More and more people are opting out of the traditional television services,” said Gregory Touhill, a cybersecurity expert who served at the Department of Homeland security and was the first-ever Federal Chief Information Security Officer. “There’s a huge population out there that needs to help us rethink how we do this.”

Possible vs. practical

    Adding federal alerts to those platforms might not entirely be a technical issue, at least on the government’s end. The service has already been updated to include smartphones.
    tech
    And FEMA, the agency that manages the system’s technology, told CNN Business that there are “no known technical hurdles involved in transmitting alerts” to devices that are connected to the internet. In fact, the agency has a way to do that, according to a FEMA spokesperson.
    But a new tool would need to be developed to distribute alert information to streaming platforms. FEMA said the “unknown quantity” is figuring out who would develop and install the applications.
    That’s not a simple task, said Touhill, who’s now president of the cybersecurity firm Cyxtera Federal Group. He told CNN Business that the required tool would need to be “exquisitely complex.” It would need to be thoroughly tested and safeguarded to ensure that only authorized parties have access.
    “Is it possible? Yes. Is it practical? Maybe not,” Touhill told CNN Business.
    Another concern is whether devices connected to the internet are reliable indicators of a person’s location. Emergency alerts need to be able to target a specific area so that they only reach people who are at risk.
    People on the internet can be traced through their IP addresses — unique strings of numbers assigned to each device that are also associated with a specific set of geographic coordinates. That’s how companies like Netflix determine which language and content to show its customers.
    But those locations can be unreliable or easily manipulated, Touhill said.
    It’s also not clear that enough information is there in some cases. A source familiar with Netflix’s thinking told CNN Business that the company’s ability to pinpoint a customer’s exact location may vary depending on that person’s internet service provider. That means Netflix might not reliably know a person’s location with enough specificity to provide effective emergency alerts.
    Congress has considered some of these issues. Hawaii Senator Brian Schatz, a Democrat, proposed a bill last year that called for authorities to look into the feasibility of adding streaming services to the federal emergency alert system.
    The READI Act received bipartisan support and passed the Senate, but it died in the House. Schatz’s office told CNN Business this week that he plans to refile the bill for the current Congress.

    How to improve

    Adding streaming platforms to the alert system “is not a bad idea,” said National Weather Service senior meteorologist Kevin Laws.
    Laws is based in Birmingham and was part of a team that issued warnings to residents when tornadoes struck Alabama last Sunday. His team watches storms on a radar, and their predictions are automatically routed to FEMA’s alert system.
    But upgrades to the system are expensive and slow. Instead, Laws said he thinks alerts would be better helped through improvements to the type of information that authorities can share when a storm is in the area.
    Why you don't see emergency alerts when you're watching Netflix or playing Fortnite - CNN
    His ideal scenario? A day when storms are tracked automatically and alerts are consistently updated to show residents percentage of the likelihood that they will be affected.
    Such a feature would have helped last Sunday, he said, when some storms were particularly strong and unpredictable. Some parts of Alabama received emergency warnings more than half an hour before they were hit. But when a deadly tornado unexpectedly veered toward Lee County, where the death toll reached 23 people, locals were only notified about nine minutes beforehand.
      “I’ve spent many tearful days out there doing this job. And it kills me a little more every time,” Laws said, adding that disasters like the one that hit the state will happen again.
      “We have to keep improving the system,” he said.

      Related posts