Double Indemnity

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The right choice to manage the risk associated with construction projects and selecting the most responsible for ensuring the timely completion of the project is vital to a successful project. Gambling on a contractor, whose commitment is not secure, or that it failed half of the jobs can be a devastating decision. Guarantees to provide the best possible solution, the security of the money from the owners of the project ensuring that contractors perform the work and pay for specifiedSubcontractors and employees.

1. There are three types of contractual guarantees. The monetary supply of bonds is satisfied that the offer was made in good faith and the contractor will place the contract at a tender price and ensure the necessary presentation and payment obligations. The performance bond protects the owner against financial loss, if the contractor fails to fulfill the contract in accordance with its terms. The payment bond provides that the contractor must pay subcontractors employedMaterials and suppliers.

2. Many companies are subsidiaries of surety insurance companies, and both guarantees and risk insurance are the usual mechanisms regulated by state insurance department. To avoid collateral to cover losses. Since the bond with the loss of expectation minutes is completed, the premium is primarily a fee for prequalification services.

3. The building is a very risky business. Provide guarantees to ensure that the contractor for the completion of the contract in a positiontried time, within budget and according to concepts. Specifies the obligations not only to reduce the probability of default, but the owner has the peace of mind that the burden of construction risk of the owner to block the surety agreement.

4. Guarantee premiums range from a security agreement to another. In general, there is a direct quote for the loan. In several cases, performance bonds incorporate payment bonds and bonds of maintenance.

5. The guarantee of the contractor's prequalification companythe project owner and to protect the safety of emergency, architects, and anyone with the project that the contractor is able to project plans into a finished project to participate. before issuing a loan, the company must satisfy the guarantee in its entirety, based on criteria that the contractor:

* Good reputation;

* The ability to cope with current and future obligations.

* Matches the experience of contractual requirements;

* Equipment needed to doWork or the possibility of obtaining them.

6. Where the obligations are specified in the documents, the entrepreneur has the duty to preserve. Contractor usually provides the amount of bonds of foreign supply and the premium after the execution of the loan is due. After analyzing the risks in relation to a construction project must be examined, as these bonds protect against those risks. Owners, financiers, entrepreneurs, taxpayers and subcontractors are protected because the

* The contractors will be required to complete projectsbound and not one, because the company guaranteed personal indemnity by the contractor or business need.

* Subcontractor not need mechanics liens "on personal projects of files, if a payment bond is present.

* The company will guarantee fulfillment of the contract, at the default contractor.

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THE TOP INDIVIDUAL HEALTH INSURANCE POLICY WOULD BE ONE THAT YOU NEVER USED. However, you have to purchase health insurance BEFORE your need it..

1.TIP #1 Having some individual health insurance is better than none at all. Suddenly overcome by an unexpected medical condition can ruin your financial security and environmental living standards. With no rehabilitation benefits, you could lose your job. Then you might have to sell everything valuable you worked hard for. Weakening, frail health may allow meeting the stringent Social Security Disability requirements. Never ever chance it, and never rely on the government.

2. TIP #2 All individual health insurance policies are not created equally. If you are in the same financial position similar to many neighbors, paying deeply for coverage may not be achievable. Don’t despair, see how much lower your premiums will be if you opt for a major medical plan with a $1,000, $2,500, or even $5,000 deductible. Next look at your car insurance and home owner policies and get higher deductibles on them. If you encounter no mishaps, you had protection made possible by structuring higher deductibles into your insurance plans.

3. TIP #3 All individual health insurance policies are not Major Medical plans. Some are hospital plans with stripped benefits or are ridiculous outlandish hospital indemnity plans. Always try to purchase Major Medical insurance. Most Major Medical plans pay up to at least $2,000,000 in lifetime benefits. Recently I had neck-spinal fusion surgery, forcing 4 days of hospitalization. Total expenses exceeded $60,000. A regular hospital plan probably leaving $10,000 unpaid could be expected. The idiotic purchase of a hospital indemnity plan would have paid specified amount per day in the hospital. Having a hospital indemnity plan paying $250 daily, it would have paid out $1,000 total.

4. TIP #4 Evaluate your age and see if you need maternity benefits covered. A problem newborn can easily accumulate $200,000 in advanced medical care. Therefore a plan with maternity benefits can shoot up costs. When checking rates, see if the insurer has one rate for all ages, male or female. Some individual health plans base your rates on age, with females getting lower rates at certain ages, and males getting gouged at higher rate bands. Overall, buy the best policy you can afford to keep.

5. TIP #5 Do not inquire about health insurance until you have fully evaluated your present and past medical conditions. An Individual Health Insurance Company may elect not to cover your conditions, plus raise up normal premiums. If you have serious health conditions you might try to see if Blue Cross will insure you (without 180 days of coverage for pre-existing conditions). If you operate a business out of your home, or are an independent contractor, or self employed with a registered name you have one lucky star. Check your local Chamber of Commerce whose many benefits may include eligibility on their large group plan. A unique way to get large group coverage for 1 person,

6. TIP #6 Check out the HMO, health maintenance organizations and PPO, Preferred Provider Organizations. Remember though that an HMO is like your mother saying NO or beg me first. It doesn’t take long until you feel like a number, not a patient. Good luck getting a referral approved, either though your doctor insists on it. Plus you select your doctor from their list and only use a certain hospital when necessary. A PPO offers more flexibility of course at a higher price.

7. TIP #7 This one is easy to become a scam victim of. A virtually unknown insurance company enters your area, aggressively fighting for you to sign up. The rate is below all others, and benefits are comparable. The first 3 years the company signs up thousands and thousands of individuals in good health and pays little out in claims. Suddenly people like you have major health problems and start submitting claims. The insurance company doubles their rates. Most of the people in good health go elsewhere, but you are stuck.. The insurance company may again double rates, hack off benefits, cancel policies, or sell out to another carrier. Quicksand where you can’t be rescued!

8. TIP #6 Don’t have a heart attack if you are left with thousands of dollars in medical expenses. Most hospitals and doctors have already built in a price margin to cover some costs of those who can’t pay the entire bill now. Keep you mouth shut, and you hands away from the phone until you bill goes to a collection agency. Remember, these bully meanies do not get a dime unless you pay. Don’t give into threats! After 6 weeks of receiving pestering calls, make your move. If you have a $500 bill, offer to pay $250 in 5 days, many collectors jump to settle on this lower amount. Should you have a long range problem go right to the top claims administrator. Offering to pay $100 a month will earn you 6 years to pay off a $5,000 bill, plus keep your credit.

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Brief term life insurance explanation. Life insurance companies offer two basic types of policies…term life insurance and permanent life insurance. By far the simplest in structure are the term life policies. They are also favored by most people today because of cost. They are less expensive than permanent policies. That results with you being able to buy more life insurance for your dollar. That makes sense since life insurance was designed to protect your loved ones in the event of your death. Let us therefore look at detailed term life insurance explanations. How do these policies work?

Term life insurance provides death benefit protection for specified periods of time. The periods range from 1 year to 25 or 30 years and some even up to age 65, age 80 or age 90.

1 Year Term

The one year term policy is more popularly known as the yearly renewable term policy or the annual renewable term policy. As the name implies it provides a death benefit for a very inexpensive level premium for one year. The reason it is thought of as a one year term policy is that even though you can renew it there is a premium increase each tear if you choose to do so. For the first 5 years or so, even with the increase, the premiums are still quite inexpensive. After that period it can get quite expensive.

Upon your death the full face amount will be paid to your loved ones, regardless of how you die other than by suicide. If you should commit suicide within a certain number of years, usually 2 years, from the date you purchased the policy the death benefit will be limited to the premiums paid. If you committed suicide after that 2 year contestable period the full face amount of the policy will be paid.

If you buy any these policies you have the option of converting to a permanent life insurance policy within specified periods of time.

5 Year Term

Now let us look at a 5 year term life insurance explanation. The 5 year term life insurance policy is considered by this author to be a better deal than the one year term policy even though it costs a little more in premiums. The reason for this conclusion is that the premiums remain level for the entire 5 year period. This policy has a level death benefit as well which is paid upon the death of the insured. This type of insurance can be purchased as a separate policy but some companies also sell it as a rider to a permanent policy.

10 Year Term

Another participant among inexpensive short term policies is the 10 year term policy. Let us examine a 10 year term life insurance explanation. This policy is very similar to the 5 year level term policy but the premiums are a little more costly. You can keep this policy up to 10 years and the death benefit is paid to your loved ones in the event of your death.

15 Year, 20 Year, 25 Year And 30 Year Term.

The main difference between the two policies described above and 15 year, 20 year, 25 year and 30 year term policies is that these policies can be kept for longer periods of time. The face amounts and premiums are level throughout with these policies. In some companies, however, the premiums of the 20 year term, the 25 year term and the 30 year term policies increase every 5 years. The first increase sometimes kick in after 5 years but in some cases the first increase occurs in 10 years.

Riders

Since I am giving you a term life insurance explanation I perhaps would be very remiss if I didn’t mention riders that can be added to your policy.

Most life insurance companies allow you to add a waiver of premium rider to most any policy which says that if you should become disabled for usually a minimum of 6 months the life insurance company will step in and waive your premiums for as long as you are disabled even if it is for the rest of your life.

The accidental death benefit rider provides that if you should die in an accident the life insurance company will pay your beneficiaries twice the basic death benefit. If you therefore have a policy for $100,000 the life insurance company will pay $200,000…double indemnity.

I sincerely hope this brief term life insurance explanation will help you make a decision whether or not this type of life insurance would fit your needs.

For further details and more on term life insurance explanations go to:

http://www.lifeinsurancehub.net/termlifeinsurancequotes.html

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While it might be comforting to think that insurance is something that only the big companies need to worry about. Insurance is something that all businesses need to worry about. Indeed, the smaller you are as a business, the more vulnerable you are to a wide array of risks that can only ultimately be dealt with by adequate business insurance protection.

When you run your own business, you take on obligations and responsibilities above and beyond that of the average citizen. In fact, it can be seen as somewhat of a double-edged sword. On the one hand, you probably go into business hoping to make a profit doing something you love while providing a benefit to others. On the other hand, all those others are affected by what you do — good or bad. It’s the latter that can get business owners into trouble if they don’t seriously think about serious business insurance protection.

Let’s take small business liability insurance as an example. Without this form of insurance protection, a business owner is putting themselves in unneeded and unnecessary financial risk.

Small business liability insurance is that which essentially protects a business from the threat of a lawsuit. It differs from other kids of protection many individuals might already be familiar with because it covers assets from the risk of being attacked by a claim of misconduct carried out by you or your business. If somebody decides to sue your business, not only could you be on the hook for the damages awarded, but the legal fees involved can often be staggering, even if the lawsuit is frivolous. Things like small business liability insurance, as part of a comprehensive business insurance package, are meant to deal with just such instances.

If you don’t think that your business is at risk like this, you might want to reconsider. No business is too small or irrelevant to be untouched by the risk of a lawsuit. In fact, the smaller you are, the less you’ll be able to count on your own resources to address the crisis of a legal proceeding, or the damages awarded as a result.

Perhaps for no sector of business is this reality more apparent than with small offices providing services of various sorts. While the amount of resources at your disposal is tight, the extent to which you may have an impact on the public is very considerable. And the extent to which that same public can come back and bite you can be similarly considerable, too. This goes for real estate professionals, management consultants, tax preparers, lawyers, doctors, and so on. No one is immune from the threat covered by business insurance that includes things like small business liability.

No matter how competently you think you run your business, how much emphasis you place on customer satisfaction, how well thought of you are in the business community, or the lengths to which you strive for excellence and achievement in your profession, you can be hit by a lawsuit. And, very often, you won’t even have seen it coming. Even some service provided as a sub-contractor for someone else can be seen as having done harm to someone. If that someone decides to sue, there are costs that have to be covered. Good business insurance will cover it. More specifically, good small business liability insurance will cover it.

Let’s take the management consultant industry as an example of where business insurance that includes small business liability is necessary.

The duties and responsibilities associated with the job of being a management consultant are considerable. In such a capacity, you use your expertise in the field of management to advise people professionally on a whole range of matters related to the proper running of a business. This can includes things as simple as staffing to something more sophisticated like public relations. Good management consultants provide a professional service noted for the extent to which comprehensive solutions are offered to meet challenging business environments.

This is precisely why management consultants need to be covered by good business insurance that includes small business liability insurance.

The extent to which their advice and solutions impact people can be almost limitless. In fact, if you tried to figure out who might sue you for advice you gave a client, you might never be able to do it. There will always exist people who simply perceive themselves to have been hurt by something you did. And they’ll sue you for it.

Alternatively, even the best management consultants make mistakes. Sometimes they could have legal ramifications. Other times, they could have professional ramifications. Indeed, things like errors and omissions insurance or professional liability insurance exist because professionals make mistakes. Not only do they make mistakes, but they make mistakes that violate the professional principles involved in their industry. It happens. It’s why even management consultants need good business insurance and liability protection.

Of course, whether you’re a management consultant, real estate agent, tax lawyer, or healthcare specialist, the specifics might be different, but the insurance risks are much the same. As small business owners with offices that need to be protected from the threat of financial loss, business insurance and small business liability insurance is simply a smart solution to that end. They literally help protect the small guy and gal from the swamp out there that could digest everything they’ve worked for. And that swamp could include the unwanted lawsuit.

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One of the most difficult parts of writing a great screenplay is creating captivating dialogue. The primary reason is because dialogue is not real-life speech. It might sound like it when you hear it on the screen, but if you really focus on what the characters are saying you’ll realize screenplay dialogue is much more focused.

With that in mind there are some very key elements to writing the kind of dialogue that can move a story along by creating the right atmosphere and shaping the story without just telling the story.

Dialogue Needs to Convey Emotion, Not Explain it

When you first reflect back on a movie you’ve seen you will likely see the image of the characters on the screen. You may think about the dialogue later on, but you won’t necessarily remember the words. And that is why one of the most important parts of writing dialogue is to remember to keep the lines short.

One of the most difficult parts of screenwriting for new writers is creating dialogue that evokes emotion and moves the story along without over explaining the plot, called forced exposition. Forced exposition is where a character tells the whole story or explains the action, like what some older crime dramas (think “Murder She Wrote”) have the crime buster do at the end of the story. They sum up how the bad guy was caught. It’s not particularly interesting writing. So instead focus on writing short, crisp dialogue that cuts to the chase and delivers the right amount of information.

However, writing good dialogue is not just about keeping it short. It’s also about communicating the ordinary in a unique way. You do this through subtext. It’s the meaning hidden behind the words. It’s like when a friend rolls her eyes and says, “Yeah. Great.” You know she’s really thinking that you just suggested something really stupid.

One of the best examples of subtext comes from a great book by David Trottier called “The Screenwriter’s Bible.” In it he refers to a scene from the classic movie, “Double Indemnity.” In the movie Fred MacMurray is an insurance salesman who uses an automobile metaphor to express his interest in Barbara Stanwyck. She says, “There’s a speed limit in this state, Mr. Neff. Fifty-five miles per hour.” He asks how fast he was going. She replies, “About ninety.” To which he says, “Suppose you get down off your motorcycle and give me a ticket.” She responds, “Suppose I let you off with a warning.” Now that’s some hot and steamy subtext.

Two Ways to Improve Screenplay Dialogue

Writing interesting, meaningful dialogue is not an easy task. However, you can help yourself out with these two methods.

First, after you have written your dialogue, rewrite it. Look at the words and see if you can alter them to make them more interesting or eliminate any words to make the language more concise. Instead of stating the obvious, “Shoot her so I can shoot you,” try something clever, “Go ahead. Make my day.”

The second tip is to read your dialogue out loud. Listen for how it sounds. Does it flow off your tongue naturally or does it sound awkward? Does it move the scene along and reveal something about one of the characters or could it be eliminated and not affect the story at all?

The whole idea is that screenplay dialogue should be as creative as the story idea and should enhance not detract from the action. Master concise, interesting dialogue filled with subtext and you’ll be writing great dialogue for your screenplay in no time.

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An asset purchase agreement is the written agreement by which one company buys another company. Asset purchase agreements define the assets and liabilities to be sold. The buyer is purchasing whatever the two parties define as “the Business,” including the rights to conduct this Business.

Because certain assets and liabilities can be excluded from the transaction, asset purchase agreements are widely used contracts. Stock purchase agreements, meanwhile, do not easily allow for the segregation of assets and liabilities between seller and buyer. Moreover, in a stock purchase the seller will typically survive, acting as an extension of the buyer. By contrast, in an asset purchase the seller will usually become a shell after the closing, existing only long enough to disperse the purchase price to the stockholders and to act as a repository of sorts against any financial claims that the buyer may have against the seller following the sale.

Assets can be nearly anything: office supplies, real estate, intellectual property, machinery, professional services. Liabilities often attach themselves to the assets and travel with them.

Often, these agreements have effective dates (when the agreement becomes effective and comes into force) and closing dates, later dates (days or weeks, sometimes longer) at which time the deal closes and the parties sign and exchange documents. During the period in between, with the deal all but assured, the seller will make final its financing arrangements for the purchase.

Much of the asset purchase agreement is concerned with defining and controlling behavior. In the seller’s representations and warranties, it represents, among a host of things, that it has the authority to sell its asset; that the assets are of a value equal to the purchase price; and that it is not in financial or legal trouble. In today’s world, the representation on the environmental disposition of the assets is often a very important and lengthy provision. Meanwhile, the buyer represents that it has the authority to buy the assets and that has disclosed everything necessary to consummate the deal.

To double-check these representations, the buyer may require pre- and post-closing audits, also known as due diligence. And as protection, both parties draft comprehensive indemnity provisions that look to account for one party’s malfeasance or mistakes.

The sections on covenants and conditions precedent talk to the behavior of the parties. For example, the agreement may limit the parties’ ability to discuss the deal publicly. Very often, the seller is constrained by a non-compete and a non-disclosure provision, so as not to compete with the buyer and thus make the buyer’s purchase moot. Further, in the period between the effective date and the closing date, the seller is also obligated to carry on the Business in normal fashion, so as not to diminish the value of the Business.

Termination clauses allow for termination for a variety of reasons, including material breach, mutual agreement by the parties, a government action stopping the deal, undue delay in closing, or unsatisfactory due diligence.

Sellers have learned to gain an advantage through a bifurcated purchase price. That is, a certain percentage will be paid at the closing, while the balance will come perhaps six months or a year later. In the intervening period, the seller has the chance to outperform expectations. By way of an earn-up provision, the seller may earn more than the stated purchase price, a mutually determined bonus, so to speak.

All in all, the widespread use of the asset purchase agreement means that it has been well tested and well received. For the sale of a business, it is certainly the best and easiest option for both parties.

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Life is full of misfortunes, accidents, and unpredictable, life changing events; which is why, we as the American people, are granted health care. However, to many, health care doesn’t seem to be fulfilling its purpose of caring and providing. If health care is supposed to support us, and be something each one of us has a right to, why is it the cause of 1.5 million bankruptcies each year, and unaffordable to half of the American people? And why is the middle class of America, the largest class, the ones struggling to pay off charges with insurance? In addition, where exactly are the outrageous charges coming from on the medical bills? And most importantly, how did this health care crisis happen to America, of all countries? These are just a few of the questions the American people are left to cope with.

What else is left to do when accidents strike without warning and a middle class family of four is left to pay off over $110,000 in medical bills? File bankruptcy – according to the U.S. Times, this seems to be the answer for most families. Take the Jackson family from Texas for example: while exiting a school bus, the Jackson’s daughter was struck by a car, leaving the family with an outrageous medical bill of $90,000. Within a few years the mother of the Jackson family needed both knees replaced at a price of $20,000. And most recently, the daughter got into another accident while driving. Before even receiving the charges, the family filed for bankruptcy.

Half of America doesn’t even have health insurance, and a lot of the families that do, are left helpless when bombarded with medical bills – especially the middle class families, like the Jackson’s. So how does this happen? How are those with health insurance still charged thousands? The truth lies behind the instability and inconsistency of the health care system. To elaborate, imagine a man without insurance comes into the emergency room with a broken hip to undergo surgery. He is charged $35,000. Since the man does not have insurance, his procedure will inevitably cost the hospital more money.

So where do they get this extra money? Well, say a second man comes into the same emergency room with a broken hip; however, this man has insurance. Unfortunately, since the man before him cost the hospital more money because he didn’t have insurance, the hospital will add on higher charges on the medical bill to the man with insurance to help pay off the extra expenses incurred from the previous patient. So if health care doesn’t protect you from high medical costs, what does it do? Apparently, if it doesn’t keep you healthy, it’ll at least keep you alive: according to the Urban Institute, over 27,000 deaths occur every year that are actually medically avoidable. Sadly, those 27,000 happened to have no health care. What ever happened to the Hippocratic Oath?

Along with the overwhelming medical bills, is the speculation of what, precisely, are the charges for? How is a ¾ mile ambulance ride equivalent to $1,800? Of course the first expense that would come to mind would be the medical aid given during the ride. But what happens when nothing is done – no medication, no tests, no nothing – and you’re still being charged thousands? A similar situation arose with a couple in Pennsylvania. When the couple found themselves in a horrific car accident, they were airlifted via helicopter to the nearest hospital – the ride was no longer than ten minutes long. The bill for the ride amounted to $18,000. However, when asked what exactly was done in the helicopter to medically aid the couple, the husband declared “nothing.” If no medical aid is given, other than the transportation, how do these charges add up? After doing a little research on different helicopter expenses, I found something that grabbed my attention: a ninety minute helicopter tour of the Grand Canyon, Hoover Dam, Valley of Fire, and Las Vegas strip costs $248 per adult, according to allvegastours.com. So, for a helicopter ride that is an roughly eighty minutes less, using basically the same amount of fuel per mile, what is the $17,504 difference of charges routing from if no medication or medical procedures are used along the way? Unfortunately, even the couple who is held responsibly for these charges hasn’t gotten the answer either.

Finally, the last, but most important question is how did a problem like this happen to America? A recent study done by the Common Wealth Fund, shows that out of seven predominately wealthy, stable countries, the American people reported as being the unhappiest with their current health care system. One statistic for instance, was that 25% of American’s will actually forgo a doctor’s appointment because they believe the pricey costs from the visit and the prescriptions could be better spent on other immediate financial needs – such as paying off bills – rather than their own personal health. And yes, that 25% is a big number, considering all the other countries surveyed didn’t even make it into the double digit percentile.

How does something like this happen to a country that never settles for mediocrity? Take for example our military. When we’re threatened or weak, we spend tons of money to invest in more high quality weapons and protection. Schooling is another prime example – we have the top universities in the world, and we invest as much money as necessary into constantly improving them. If America is a country based on freedom, and equal rights for each individual, why haven’t we given those people we go to extreme lengths to protect, serve, and educate, their right to an available, affordable, healthy life?

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HEALTH INSURANCE COSTS TOO MUCH

You were having a nice day. Then you got a notice that your individual health insurance rates had just been increased – a lot! You cannot believe that the insurance company expects you to fork over 20 to 40% more for your monthly premium next year. Will you have to take the drastic risk of going without health insurance?

Or maybe you’re a small business owner who is trying to do the right thing for your employees. Your agent just called to tell you that since one of your employees just had surgery, the rates for everybody in your entire business would be increased by a double digit percentage. You want to do the right thing for your employees, but this increase might mean you have to lay somebody off or drastically slash everybody’s benefits.

What can you do?

Of course, the easiest thing you can do to cut your premium is to increase your deductible, reduce your benefits, or shoulder a higher copay amount. The less risk that the health insurance company incurs, the less they will charge you. However once you take that step, you may not be able to replace your old benefit level without incurring additional underwriting. Also, if you do get sick or have a serious accident, you may not have saved any money at all in the long run!

Is there an antidote for high health insurance premiums?

Well, of course, I have a couple of suggestions. You might consider raising your deductible and adding an accident and illness indemnity plan. A few thousand dollars in case of a fracture, or several thousand dollars in case of a serious illness can pay deductibles, and help you to meet expenses while you’re not working. The sorts of plans are usually inexpensive anyway. Some companies will guarantee rates for a longer period for insurance plans with high deductibles or specified benefits.

One other benefit you may reconsider are doctor copays. Sometimes this option can raise your premium by 25%, and if you only go to the doctor twice a year, it really doesn’t save you any money. Determine what the copay option really covers – just the doctor, or the doctor and lab tests. Many just cover the doctor visits, and lab work is extra anyway.

What if you don’t want to cut your benefits?

If you don’t want to cut benefits, consider shopping around. It is so easy to compare insurance companies and get quotes these days. A few minutes in front of your computer screen should give you a very good idea of available options.

When you buy health insurance, you look at price and benefits. When an insurance company looks at you, they consider your health, age, and even your credit score! Different companies have different standards, and you may be able to find comparable coverage for less money. When you do shop, make sure you do your research, are aware of pre-existing conditions, and consult some qualified agents. Health Insurance Agents should be aware of different company policies, and they should lead you in the right direction.

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Some of the best films coming out of the 1940’s were of the film noir genre. These black and white movie classics depicted the dark shadows of the inner psyche as well as those in the back alleys of the big city.

Hot, cramped New York apartments, lonely, foggy piers, smoky nightclubs and coffee shops with wisecrackin’ waitresses dominated the noir landscapes.

Most of these films were shot on a relatively low budget, especially those from RKO, who turned out many of the quirkiest gems. The mise en scene, or visual look and feel of these films attempted to mirror the psychological quagmires of the characters.

Another characteristic of film noir came from the writing, which was often full of snappy, witty dialog, steeped in irony and dark humor.

The Academy recognized a few of these film noir classics for excellency in one aspect or another, and they are certainly worth seeing again with their awards in mind.

According to the Academy of Motion Pictures Arts and Sciences database, the following films won the oscar in the year indicated.

In 1944, Joan Crawford won best actress for her performance as Mildred Pierce in the movie of the same name, “Mildred Pierce”.

Billy Wilder won best director for his work on “The Lost Weekend”, which also won best motion picture (Paramount), best screenplay (Charles Brackett and Billy Wilder), and best actor (Ray Milland).

That year also gave birth to “Laura”, for which Joseph LaShelle garnered an oscar for his black and white cinematography.

In 1948, Claire Trevor got the oscar for best supporting actress for her role in “Key Largo”.

“The Naked City” earned two oscars, one for William Daniels cinematography and the other for Paul Weatherwax’ editing.

In 1950, “Sunset Boulevard” got the oscar for the best music score, done by Franz Waxman.

The best screenplay was “Panic In the Streets”, penned by Edward and Edna Anhalt.

Robert Krasker’s incredible cinematography in “The Third Man” got him the oscar that year.

In addition to these Academy Award winners, many more movies of the film noir genre were nominated for the writing. The writing category includes best original motion picture story, best original screenplay, and best screenplay. For those interested in classic film noir or in writing screenplays, these films are definitely worth revisiting.

In 1941 there was “The Maltese Falcon”. 1943 bore “Shadow Of A Doubt.” In 1944 there was “Double Indemnity” and “Laura”. “Mildred Pierce” was nominated for the writing in 1945. (”Lost Weekend” won.)

In 1946 there were several film noir contenders: “The Dark Mirror”, “The Strange Love of Martha Ivers”, and “The Stranger”, “Blue Dahlia”, “Brief Encounter”(dubiously noir) and “The Killers”.

In 1947, “Kiss Of Death”, “A Double Life” and “Crossfire” were nominated, while in 1948 it was “The Naked City”, “The Treasure of the Sierra Madre” and “Johnny Belinda”.

In 1950, “Mystery Street” was one of the nominated, while “Panic In The Streets” (best motion picture story) and “Sunset Boulevard” (best story and screenplay) won.

“The Big Carnival” was nominated in 1951, while “The Narrow Margin” was nominated in 1952 (losing to “The Bad and the Beautiful”.)

In 1958, “I Want To Live!” was nominated for best writing.

So, head to your nearest video store and see what film noir oscar treasures you can uncover!

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