He thinks that he is smarter than the cop because he is a lawyer from LONDON and is certain that he has a better education then any Jock cop.

He decides to prove this to himself and have some fun at the Glasgow cop’s expense.

Glasgow cop says, ” Licence and registration, please.”

London Lawyer says, “What for?”

Glasgow cop says, “Ye didnae come to a complete stop at the stop sign.”

London Lawyer says, “I slowed down, and no one was coming.”

Glasgow cop says, “Ye still didnae come to a complete stop. Licence and registration, please”

London Lawyer says, “What’s the difference?”

Glasgow cop says, “The difference is, ye huvte come to a complete stop, that’s the law. Licence and registration, please!”

London Lawyer says, “If you can show me the legal difference between slow down and stop, I’ll give you my licence and registration and you give me the ticket. If not, you let me go and don’t give me the ticket.”

Glasgow cop says, “Sounds fair. Exit your vehicle, sir.”

The London Lawyer exits his vehicle.

The Glasgow cop takes out his baton and starts beating the living daylights out of the lawyer and says, “Dae ye want me to stop, or just slow doon?”

Don’t you just love that accent?

The Directive sets out the general and overarching requirements that an insurer must comply with when outsourcing any aspect of its insurance business. This means that it applies in addition to the existing regulatory framework. An insurer must therefore, in addition to this Directive, comply with the specific regulatory requirements set out in the regulatory framework, such as the requirements relating to the nominee business, binder agreements and assistance business group schemes (Under the Long Term insurance Act)”

We provide a few key points below, but strongly advise readers who may be affected to study the full document which is available in the Moonstone library under the Acts/Legislation section.

• “Outsourcing means an arrangement of any form between an insurer and another person, whether that person is supervised under any law or not, in terms of which that party performs a function or an activity, whether directly or by sub-contracting, which would otherwise be performed by the insurer itself”.

• The Board of Directors and Managing Executives of an insurer remain responsible for the insurance business, regardless of outsourcing.

• Remuneration must be “reasonable and commensurate with the actual function or activity outsourced” – A Person (Including sub-outsourcing to other individuals) cannot be remunerated twice for the same activity.

• Any outsourcing of a control, management or material function must be governed by written contracts. This excludes binder functions as they are covered by specific provisions and have their own requirements.

• Other instructions include how and when the FSB has to be notified of outsourcing arrangements. Details are also provided on how this directive must be applied to existing outsourcing contracts.

Please note the following excerpt from the disclaimer: The material in the Preparation guide is made available for the purpose of providing preparation guidelines and not as professional or educational advice.

The real value lies in the Qualifying Criteria published in the guides, with mapping to the relevant legislation and other documentary guidelines.

We pointed out on Monday that many candidates struggle to differentiate between the Level 1 regulatory exams and RE 1, which is the Level 1 Key Individual exam. They arrive at the exam centres, registered to write RE1, but intending to write the representative exam, which is of course RE 5, which in turn is also part of the Level 1 REs.

To add to the fun and games, RE 3 and RE 4 have now also joined the party. RE 3 is meant for Category II and IIA KIs and RE 4 for Category III KIs.

Get my drift?

To ensure that we do not add to the confusion, let me again outline what the current situation is:

Level 1 Regulatory Examinations

These exams focus on the regulatory requirements, mainly contained in the FAIS and FIC Acts, and other related and relevant legislation.

To all those who bemoan the fact that they have to write exams after 30 and 40 years in the industry: the FAIS Act only became a reality in your lives late in 2004, and has little to do with your product knowledge, how satisfied your clients are, or how you never get complaints from them.

RE 1: A basic 80-question RE for all Key Individuals, including sole proprietors, in licence categories I, II, IIA, III and IV, but excluding KIs in licence categories 1.1 and 1.19.

RE 2: KI Level 1: A comprehensive 80-question RE, consisting of 50 KI questions and 30 product questions, and compulsory for all KIs in licence category 1.1 & 1.19. Reps registered for only these categories are exempt from writing the REs.

RE 3 is an additional 30-question regulatory exam for Category II and IIA Key Individuals and focuses on obligations specific to their licence categories.

RE 4 is an additional 30-question RE applicable only to Key Individuals in licence category III.

RE 5 is the RE for all representatives.

Level 2 and Continuous Professional Development

Level 2 has to follow on chronologically from Level 1, and we await further clarification from the FSB.

CPD, in turn, will proceed after Level 2. We placed a white paper, calling for industry input, on our website. Click here to download a copy. I had an enquiry recently about whether one needs to belong to a specific organisation in order to qualify for CPD points.

The answer is no, but not as simple as “only” no. Please study the proposed steps in the document linked above. Nearer the time, we will cover this in more detail.

Highlanders/Bulls in Dunedin
My colleague and ardent Bulls fan (is there any other type?) says he is quite happy with what his team has achieved so far. Even if they score no more points on tour, he regards it as mission accomplished. This weekend’s clash against a formidable Kiwi foe, followed by the one next weekend against the Chiefs, may be the reason for his optimistic pessimism. I have yet to come across a Bulls team who will not go on to the paddock fully motivated, so wait and watch. Ludeke’s comment after last week’s narrow escape will be tested over the next week and a bit: “This side has now reached the maturity we have been working towards over the last two years.”

Reds/ Lions in Brisbane
The Reds have improved steadily over the last few weeks. Quade Cooper back at flyhalf may add a new spark, but after his disappointing world cup performance, one has to wonder whether he will make the impact he is capable of, having been out of the game for so long. The Lions can do no worse than last week, which is about as positive as I can be. They are not doing their chances of avoiding relegation any good thus far.

Cheetahs/Sharks in Bloemfontein
The Sharks should feel at home from home in Bloemfontein, and may even fit in a hunting trip or two on the family farm. Jokes aside, this is a must win game for both teams. It will be interesting to see whether “True  Blue” Smit can continue in the same vein as when he took over from Sias Ebersohn. My heart really bled for the latter last week. He is far beter than that performance.

Stormers/Waratahs in Cape Town
The weather gods are not smiling favourably on the Cape this weekend. This could affect both sides equally, and maybe the Stormers will surprise themselves and their fans who have virtually given up on them ever achieving a five pointer. The Bulls and Stormers have a game in hand against the Chiefs, who have a bye this weekend. The permutations and speculations I will leave to those experts who, in hindsight, can tell you exactly why their predictions did not pan out.

Oh, to be at Lords…

From Cricinfo: “England, who received the ICC mace in the build up to the game, were looking to re-establish their reputation as the world’s No. 1 Test side after losing four out of five Tests against Pakistan and Sri Lanka on their winter tour. The West Indies need to address a record of only two wins in their last 30 Tests.”

If England lose, they also lose their number one position to the Proteas.

How sad that players like Chris Gayle, Sunile Narine and Dwayne Bravo are not in England representing their country. I can understand that Gayle had prior commitments due to his fall-out with the authorities, but the other two seem to represent a morality which I cannot fathom.

The fact that the IPL also takes precedence over a test in England again underscores the power of India in world cricket. Another bone of contention in my book.

Ag nou ja. Binnekort looi ons die Engelse op die rugby- en krieketvelde, dan is alles weer vergewe.

Jy moet konsentreer ou Grote. Die Engelse sê mos, there is many a slip between the glass and the lip. Met eisj, ja. Met eisj.

There are three recognised documents which can be used: Your green bar-coded ID document, your driver’s licence or a valid passport. Failure to produce such a document will result in you being refused permission to write the exam. This is simply to ensure that the candidate does not send someone else to write on his or her behalf.

As in all things, there will be exceptions. We received the following enquiry from a reader this morning:

Sadly I was mugged this weekend and my driver’s license / identity book was stolen. However I do have a certified copy of my identity book and can go to the police station with this and do a sworn affidavit – would this be suitable to take along with me to write the exam?

Our RE department confirmed that this would be in order. The affidavit needs to contain full details, including dates. If possible, forward a copy to us before you write. This will enable us to confirm the acceptability thereof, and allow us to to share it with the invigilators concerned. This will prevent them from having to make enquiries when you arrive there.

If you have a related concern, please check with us before your exam date. The invigilators have their hands full, complying with all the standard requirements, and exceptions could lead to delays and frustrations which you do not need when you are about to write your exams.

While on the subject of checking: please ensure that your registration is in line with your requirements, particularly about which exam you are going to write. Candidates sometimes confuse Level 1 with RE 1, and pitch up, expecting to write the RE 5, (representative RE), and is then handed the key individual paper.

There are no “spare” papers, which means you will have to re-register. With just over 6 weeks to the deadline, and a three week “notice” period, that is cutting things very fine.

We believe that there is enough stress around having to write. You can get free peace of mind by confirming your details in writing with us. We love avoiding unpleasant surprises, for you, and for us.

Oh, one last thing. Please make sure that you know where the venue is before you get in your car to go and write. We receive regular panic calls, and asking our staff in Cape Town where Musgrave Road in Durban is, may not be something you want to leave to the last minute.

Especially with changes to street names being as rife as they are, and in Durban in particular.

We receive numerous enquiries every day from candidates about the issues addressed by the FSB in the press release dated 20 April and copied below. Our comments appear in Italics.

In recent media reports there has been some miscommunication with relation to the RE exams. The Financial Services Board would like to clear up these miscommunications in the following manner:

1) All the examination bodies have a combined capacity of 56 000 examinations per month. This is 14 000 examinations per week. Should it be necessary, the capacity may be increased further. Therefore, the “6 850 spots” that were mentioned in the media reports are completely incorrect and create the impression that the FSB did not make provision for, and does not have the capacity to deliver the required number of examinations for individuals to meet the deadline.

2) The reference to a 30% pass rate late last year is pure speculation. In November last year the pass rates hovered around 60%. Please bear in mind that the 60% is influenced by a much lower pass rate at the beginning of the exams, which means that the actual current pass. rate must be higher than 60%.

3) The questions used in the examinations are tested first before they are considered for inclusion in the examination questions bank. This means that they are moderated by the examination body that developed the questions, and are then tested by real financial advisers from the industry. The questions are then analysed by an external moderator (the Independent Examination Board) which compiles a feedback report on the basis of which questions may be scrapped, amended, or approved and included in the examinations. Only approved questions are included in the examination questions bank. The questions are tracked over a period of time, and a second set of statistics are drawn every quarter to ensure that the questions remain within the set parameters for the examinations. It is important to note that the performance of questions may change over time. A question that was regarded as a “difficult” question initially may become an “easy” question over a period of time, simply because people are becoming more aware of what is asked in the examination questions, and they prepare accordingly. Questions that are retired are replaced with new questions that have been tested.

Questions that have been “over-exposed” or used too often are also retired. This is an on-going quality assurance cycle, and the same process is repeated over and over again to monitor and maintain the quality of the questions and the regulatory examinations. This process is the same as with any other multiple choice examination offered through a professional or high education institution and it is regarded as best practice.

Therefore, media reports that claim that the questions were restated in a “less complicated” way as a result of appeals, and that the examination was somehow simplified, is completely incorrect. The FSB strives to set a professional standard for the financial services industry, and reports such as these detract from the high standard and quality of our examinations. The FSB urges those in the media to verify their facts before publishing information that may mislead financial service providers and the general public.

Op dieselfde tema vra Bobby verlede week hoe dit dan werk dat sy span, die Bulls, nie teen die Force speel nie? My tong in die kies antwoord, dat hulle waarskynlik maar net weer voorgetrek word, is toe nie akkuraat nie.

Die Superxv.com blad bevat die volgende verduideliking, en verduidelik ook hoe die kwart- en halfeindstryde bepaal word:

“Teams will play each team in their own conference twice – home and away, but in the other conferences they will only play four of the five teams in both of the other conferences. Teams will play eight domestic matches and eight away matches for a total of 16 round-robin games. A winner from each conference will be determined from the results. Each conference will have one winner and therefore Australia, South Africa and New Zealand will each be guaranteed to have one team participating in the finals. Where these teams finish will determine home advantage for the playoffs.

In week 1 of the finals the two conference winners with the highest points will be rewarded with a week off. The conference winner with the lowest points or the third placed team will enter a sudden death playoff with the sixth placed team.

Also, in week 1, the team placed fourth at the end of the regular season will play the fifth placed team. The winners of the first week of play-offs then go through to face the first and second placed team who had just had the week off in the semi-finals.

QF1.) Team 3 vs Team 6

QF2.) Team 4 vs Team 5

The first placed team from the regular season will play the lowest ranked qualifier in week 1 of the playoffs.

The second placed team from the regular season plays the team highest ranked qualifier in week 1 of the play offs.

SF1.) Team 1 vs lowest ranked qualifier.

SF2.) Team 2 v highest ranked qualifier.

Final Winner SF1 v SF2

Home advantage will be given to the team that finished highest on the overall table in the regular season.”

Werk ‘n bietjie aan die permutasies, en kyk of jy wil hê jou span moet, sê maar, eerder teen die Crusaders as teen die Brumbies speel? Hier kom pêrre.

Hoe lyk die Bokke se span?

Ons moes hard spook om nie provinsialisties te wees in ons keuse nie. Aangesien ons nie hoef pa te staan vir ons keuses nie, verduidelik ons waarom ons sekere keuses gemaak het.

Pat Lambie

15. Pat Lambie: Hy kies homself in die span, al is dit nie in sy beste posisie, losskakel nie. Moontlike verskuiwing na nommer 10 in die tweede helfte.

14. JP Pietersen: sy ondervinding, werkverrigting en spoed, sowel as vermoë onder die hoë bal, maak dit moeilik om hom met iemand anders te vervang.

13. Juan de Jongh: bied waarskynlik die meeste van alle kandidate in hierdie posisie – spoed, verdediging, lynbreek vermoë, en dan ook nog sy samespel met Jean de Villiers.

12. Jean de Villiers: waarskynlik Meyer se keuse op kaptein, en die een speler wat landswyd geag word die nommer een in sy posisie te wees.

11. Bryan Habana: Ditto wat ons van JP Pietersen gesê het. Dan ook nog sy opvolg van lugskoppe wat die opposisie onder baie druk plaas. Bjorn Basson kan ook sterk oorweeg word weens sy vaardighede in die lug, maar wat werkverrigting betref, moet hy nog meer doen.

10. Morne Steyn: daar mag moontlike kroonprinse wees, maar sy ondervinding om koelkop te bly onder die aanvankilke druk maak hom vir eers die nommer een keuse. So ook sy samespel met Hougaard op skrumskakel.

9. Francois Hougaard: nog ‘n speler wat nog meer behoort te gedy in sy beste posisie, en opsies bied in geval van onverwagse beserings.

Reserwes:

Afhangende van Meyer se keuses voorlangs, sou mens graag veelsydige super subs. soos Gio Aplon en Frans Steyn op die bank wou sien. Die plaasvervanger skrumskakel is ’n tameletjie. My keuse sou op Dewald Duvenhage val, maar moenie die jong Vrystater Piet van Zyl as buiteperd onderskat nie. My eerste keuse as nommer 2 skrumskakel is steeds Sarel Pretorius, maar tot ons duidelikheid het oor Meyer se hantering van spelers in die buiteland, moet ons maar staat maak op plaaslike spelers wat tans in die Superreeks betrokke is.

Net so ’n laaste gedagte: in die ou dae het proewe nogal verrassings opgelewer. Ek wil allermins bepleit dat ons topspelers aan nog meer rugby blootgestel word, maar wat van vier spanne uit die nie-Superreeks om vir daardie speler wat dalk vir Grens of die Pumas speel en nie werklik tot sy reg kom nie, ook die geleentheid te bied om sy ware ten toon te stel?

Dis nou nie sy “ware”, soos in wanneer dit broekskeur gaan nie, ou Grote!

Rustigheid in jou lewe, die week.

They would get together two or three times a week for coffee and to talk shop.

One day, someone made the comment that preaching to people isn’t really all that hard, a real challenge would be to preach to a bear.

One thing led to another, and they decided to do an experiment. They would all go out into the woods, find a bear, preach to it, and attempt to convert it to their religion.

Seven days later, they all came together to discuss their experiences.

Father Flannery, who had his arm in a sling, was on crutches, and had various bandages on his body and limbs, went first.

‘Well,’ he said, ‘I went into the woods to find me a bear. And when I found him, I began to read to him from the Catechism.

Well, that bear wanted nothing to do with me and began to slap me around. So I quickly grabbed my holy water, sprinkled him and, Holy Mary Mother of God, he became as gentle as a lamb. The Bishop is coming out next week to give him first communion and confirmation.’

Reverend Billy Bob spoke next. He was in a wheelchair, had one arm and both legs in casts, and had an IV drip.

In his best fire-and-brimstone oratory, he exclaimed, ‘WELL, brothers, you KNOW that we Baptists don’t sprinkle! I went out and I FOUND me a bear. And then I began to read to my bear from God’s HOLY WORD! But that bear wanted nothing to do with me.

So I took HOLD of him and we began to wrestle. We wrestled down one hill, UP another and DOWN another until we came to a creek. So I quickly DUNKED him and BAPTIZED his hairy soul. And just like you said, he became as gentle as a lamb. We spent the rest of the day praising Jesus..Hallelujah!

The Priest and the Reverend both looked down at the Rabbi, who was lying in a hospital bed. He was in a body cast and traction with IVs and monitors running in and out of him. He was in really bad shape.

The Rabbi looked up and said: “Looking back on it, ….circumcision may not have been the best way to start.”

Fourie du Preez se aankondiging dat hy hom nie “onbeskikbaar” stel vir die Bokke nie, maar net in geval van nood sal speel was vir my ’n baie mooi gebaar. Ek glo dit sal ook die geval met Victor Matfield wees, wat in ’n werklike noodgeval gebruik kan word.

Du Preez se oorhandiging van sy mantel aan Francois Hougaard maak nogal sin, veral as mens se logika vir jou sê dat Morné Steyn na alle waarskynlikheid Heyneke Meyer se keuse op losskakel sal wees.

Hougaard verdien uit eie reg om in die span te wees. Sy onortodokse spel en veral die oorgawe waarmee hy in elke faset van die spel homself 120% gee, maak van hom ’n onmisbare speler. Dan is daar ook sy veelsydigheid, hoewel ek hoop en vertrou dat Heyneke hom nie ook so gaan rond beweeg dat hy later, soos die spreekwoordelike verkleurmannetjie op ’n Smartie boks, nie meer weet wie of wat hy is nie. Een moontlike oorweging vir die Bok nommer 9, Ruan Pienaar, was juis so ongeval, totdat hy landuit is en nou reeds twee maal die Heineken speler van die jaar was. Fourie du Preez noem ook vir Jano Vermaak as opsie, maar daar dink ek hang sy Bloubul onderrok effens uit. Sarel Pretorius en Dewald Duvenhage verskyn op my lysie voor hom.

Die kritiek op Morné Steyn, veral uit Bulls geledere, het my verstom. Sy huidige spelpeil is tekenend van die beskeie mens wat hom nie laat onderkry deur onkundige kritiek nie. Die speler wat hom wil lig, sal duidelik Dan Carter se meerdere moet wees. Daar is tans verskeie aanspraakmakers, waarvan die sterkste, Johan Goosen, tans beseer is. Patrick Lambie is vir my in dieselfde liga as Hougaard – hy moet in die span wees, al is dit ook op haker. Peter Grant is waarskynlik die nommer drie keuse as SA losskakel. Meyer se wedstrydplan sal waarskynlik deur die nommer 10 tot uitvoer gebring moet word, wat my keuse van Steyn op 10 steun. Solank Meyer net self kyk en nie op JJ van Blouwen se opinie in Sport24 staatmaak nie.

Die nommer 15 posisie kan self heelwat kompetisie tot gevolg hê. Tans wil dit voorkom of Lambie, Hennie Daniller en Joe Pietersen die voorlopers is, maar daar is nog ’n paar ander name wat nie die span in die steek sal laat nie. Hier dink mens aan Riaan Viljoen, Louis Ludik en selfs Gio Aplon, afhangende van wie op vleuel gaan speel en wat Meyer se wedstrydplan gaan wees. En dan is daar nog Frans Steyn ook.

Wat ook al die finale keuses, ek dink ons sit met veel meer talent as wat ons tans kan gebruik. Lekker né?

Maandag kyk ons na res van die agterlyn.