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Another OCR review, another rate cut.
And for savers, that likely means lower term deposit offers.
This morning, ASB is the latest to reduce their term deposit rates.
And BNZ has cut its bonus saver rates for its RapidSave product.
The trimming of term deposit and savings rates should now come as no surprise to savers. The same cold wind blew through this sector in June when the previous OCR cut went through.
Rates for a one year term deposit are now -50 basis points lower now than they were at the start of 2015, and that is before the latest round of reductions flows through the market.
Term deposit rates are now as low as they were back in 2009.
The prospect is that they will go even lower, below the lowest we have seen since we started monitoring them in 2001. And using the RBNZ data to go back further, it is likely that savers won't have faced rate offers this low since the 1960's.
Term deposit rate offers are very 'repressed'.
The ASB rate changes this morning relate to their whole rate card as they have pushed through a -25 bps cut to nearly every term.
Earlier in the week, ANZ also reduced their rates, although not quite as aggressively.
The only opportunity is one that may close very quickly. That is because not every bank has yet announced their cuts.
On the savings side, BNZ today cut their Rapid Save rate to 3.65% from 3.90% - provided you meet the 'bonus' criteria. Otherwise their 0.10% rate still applies.
Use our deposit calculator to figure exactly how much benefit each option is worth; you can assess the value of more or less frequent interest payment terms, and the PIE products, comparing two situations side by side.
All carded, or advertised, term deposit rates for all institutions for terms less than one year are here, and for terms one-to-five years are here.
The latest headline rate offers are in this table. Remember, these are not where rates will settle to, just where they are at 9:00am on Friday, July 24, 2015.
|for a $20,000 deposit
|6 mths
|1 yr
|18 mths
|2 yrs
|3 yrs
|5 yrs
|HSBC Premier
|SBS Bank
We welcome your help to improve our coverage of this issue. Any examples or experiences to relate? Any links to other news, data or research to shed more light on this? Any insight or views on what might happen next or what should happen next? Any errors to correct?
We welcome your comments below. If you are not already registered, please register to comment.
Remember we welcome robust, respectful and insightful debate. We don't welcome abusive or defamatory comments and will de-register those repeatedly making such comments. Our current comment policy is here.
21 Comments
Comment FilterHighlight new comments in the last hr(s).
How do banks make money? Borrow cheaply, and lend expensively. So with Term Deposit rates so low, (and falling?) the only real question is:
Have the banks done their 'lending expensively' yet, or are they yet to do it?
(NB: A suggestion! Do what the banks are doing, and borrow cheaply now, and wait to 'lend out' later....)
Hmmmm locked in NZD TD at 4.6% in the middle of June for one year on the 90/10 strategy basis and play the hell out of the US futures market as and when - must admit it's all a bit tired and listless at the moment -should pick up September when schools start.
The Bank of England created a document (for dummies) that explains how money is really made. This whole idea that banks have to borrow money to lend money is stupid and moronic. Here is a link for you:
Our banks do borrow from foreign wholesale creditors to fund assets around a ratio of 140% to domestic deposits, which, as you rightly claim, are 'out of thin air' credits. These foreign liabilities are hedged with cross currency basis swaps, thus the excess NZD deposited by foreigners gained in receipt of imports exceeding exports are available to fund the C/A deficit with additional housing debt - the only substantial (bubble nonetheless) asset left on the books.
Trust me. I know how banks use their balance sheets to 'create' money. The banks can only legitimately issue money (credit to them, debt to you!) to the extent that they are allowed to by their capital ratios. That's what's being 'looked at' at the moment, and what the RBNZ and other CB's are concerned about. I posted last night about the ANZ upping its investor mortgage rates even into the face of expected lower cash rates. Perhaps that's the beginning of reigning the banks balance sheets in in this neck of the woods? ( keeping in mind that it's highly unlikely that the parent In Aussie will do what it won't impose on its subsidiary in NZ!)
They can and have raised more capital and badgered the authorities to lower the risk weighting attached to residential mortgages beyond what is considered prudent.gearing - hence a recent stability issue has arisen in Australia - I hope the RBNZ is not approving 1 to 70+ limits as noted in Aussie publications.
The way this money is created is important.......it is the individual who is actually creating the money but the creation on the ledger is done by the banks too many people gotta get a cut......
Basically the Government is hell bent on either discouraging any form of saving or destroying any old persons income .
It seems the basic white Anglo Saxon Protestant and Calvanist Christian principles of saving part of what you earn and living within your means that have served the Christian West so well for a millennia , are no longer the order of the day .
The Government had better beware , for its true that the country's savings of today is the country's Capital of tomorrow
Yes, it's geared positions hedged by derivatives to lower VaR, hence greater leverage at the expense of saving returns. It's commonly referred to as financialisation. Unfortunately there is a trend of global banks disassociating themselves from this acitivity - it could easily fall over without the citizens noticing until it's too late.
Doesn't really have anything to do with the government.
As someone whose peers are saddled with mortgage/student debt, I have little sympathy for those generations before me when it comes to expecting money for nothing.
The world is awash with money and the banking world today isn't interested in taking a hit to the bottom line in the form of paying old folks interest. It doesn't need it to make money anymore.
The Government had better beware , for its true that the country's savings of today is the country's Capital of tomorrow
That's how it used to be until my man Nixon solved that problem.
Pushing people to managed funds, index funds, risky ventures, etc. More fees/commissions and more heartbreaks ?
And we cry when the Chinese save heaps and spend it overseas for buying assets..
If I was an overseas investor, and saw NZs property market, and the returns, and that I could get upto 50% of a NZers household income paid to me on one property, I would be buying here too. It is pretty low risk the way I see it, because even if the housing market bubble bursts, you still have the house, and people paying you rent, and you can ride out the capital loss with inflation. No, the government has missed the boat. They say it is a lack of supply, but they have had nearly 3 terms to solve that.
and Labour did what before them? diddly so 5+ terms Of course its only seriously silly in Auckland, the rest of NZ seems flat.
People are certianly moving they money out of the bank, and into equities at the moment. Some more conservative shares have really rocketed up in recent weeks/months. Low deposits rates are good for the sharemarket, but they also help fuel the property bubble.
As long as the Chinese are not buying milk powder then how the hell do we pay the interest bill except with more debt?
Lets use the credit card
housing debt
Farm debt
Meanwhile world trade slumps


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[SAN FRANCISCO] Amazon.com Inc shareholders overwhelmingly rejected a proposal that the company stop selling facial recognition technology to government agencies, a regulatory filing on Friday showed.
Some 2.4 per cent of votes were in favour of the closely watched resolution, while the remaining votes were against it and some were in abstention. The tally excludes broker non-votes.
Amazon's sale of the technology to law enforcement in Oregon and Florida has put the company at the centre of a growing US debate over facial recognition, with critics warning of false matches and arrests and proponents arguing it keeps the public safe.
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- Page 1 Navigon 7310 Sat-Nav Review
- Page 2 Navigon 7310 Review
- Page 3 Navigon 7310 Review
Key Specifications
- Review Price: £277.90
Navigon was one of the first sat-nav companies to include 3D landmarks on its satellite navigation maps. But it hasn't stopped there with its voyage into the third dimension. The new 7310 includes at least three different 3D systems, all packaged in a comprehensively featured widescreen sat-nav.
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Unlike other sites, we thoroughly test every product we review. We use industry standard tests in order to compare features properly. We'll always tell you what we find. We never, ever accept money to review a product. Tell us what you think - send your emails to the Editor.


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A technological breakthrough gave rise to the Ultrahumans. The Ultras gave rise to war. What was once America writhes beneath the fists of an indestructible tyrant, and a brutal war rages over the remainder of the planet. This is the story of some of the men and women who live during Prevailer's regime, and of the Fifth Defiance. . . .
THE FIVE KINGDOMS is a fantasy WebNovel chronicling the lives of the survivors of a devastating plague. Monarchies have been destroyed, kingdoms have been toppled, but now humanity must find a way to go on. And if the rumors are true, if the gods are coming back to finish what they started with the plague, the five kingdoms will . . .
The world is dying, and the gods are fighting the godless over its destiny. Woman or man, king or queen, warrior and slave alike; they will all play their part at the end of the world—until the light takes them . . . . . .
All he wanted was a little freedom. In a world of walled cities surrounded by hundreds of miles of infected wasteland, Nyko just wanted a change of scenery. After building a train capable of crossing the vast wasteland between the remnants of American cities, Nyko learned that the pustule laden corpses roaming no-man's land weren't the worst things out there. . . .
A century ago the world flooded, killing off most of the world's population. All who remain are scattered communities of drifters and the elite Philosophes who live in a walled city above sea level. Amidst a growing drifter rebellion, sixteen-year-old Gwyn travels to the university in the city to bring help back to her dying community. When she gets . . .
When it is discovered that Earth's environment can no longer support food production, the Dome is built in an attempt to save a small portion of viable land. There is limited space in the Dome, but every year the dead are counted and people from the wastelands are chosen to fill the lost population in a process called 'the cycle'. . . .
A post-apocalyptic space opera. . . .
Legally, Daria should turn herself in to Ardica City's LM4 Processing Agency, which is tasked with ensuring that those with the ability to tap into the energy left behind by the ghosts of the dead will use their abilities only for the good of the people. But despite heavy-handed government measures, the threat of war beyond Ardica's walls, the manipulations . . .
In the blink of an eye, all human life disappeared, except for myself. A short story. . . .
It's about Zombies. Groaning, moaning, maddened flesh eating abominations driven by their insensate desire to feed. Zombies, a metaphor for a struggle we face every day. A metaphor for our hopeless battle against the savage throng of the human tide . . . an ocean of grasping hands, tearing, ripping, desecrating what you have, who you are. We struggle to keep our heads . . .
No editorial review available.
Aug 27, 2014: Immediately, during the first few chapters, it's clear that the author is a beginner and it seems like this series is a sandbox for the author.
The characters will seem flat, but they grow on you, albeit slowly; the same goes for the world. The plot has some nice turns early on.
Overall, it's worth taking a look at. Perhaps after grinding through a few more chapters the reader will be properly [more . . .]


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DAWN CHOREVENComing very soonmmmm2015
NEWS UPDATE 25 April 2018
Events - May onwards
Work Party - Sat 5 May, 10:00. Meet at the Silver Meadows entrance
Dawn Chorus - Sun 6 May, 05:00! Booking essential, see the flyer for more information.
Work party - Tues 15 May, 13:00. Meet at the Silver Meadows entrance.
Work parties - please check the weather and come dressed suitably! Boots/wellies are useful...
Our AGM will be on 13 June, 7.00pm. Venue tbc. All are welcome, refreshments will be available.
Further events will be publicised as soon as we can.
Dubwath Silver Meadows is managed by a dedicated group of volunteers, would you care to join us? Your involvement can be at any level you wish, work-parties, fund raising or by becoming a "Friend". With a donation of just £5 per household per annum you will be helping with the upkeep and event planning needed for this unique wetland reserve. Click on the 'contact us' link to find out more.
Image copyright: Mike Turner: Mark Tilzey: Jill Damment: John Hodgson: Jim Ford: Bassenthwaite Reflections: www.wildcumbria.co.uk: Alastair Yates: Rick Petecki:Robin Veitch:Mike Bradley:©2015


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What's New:
Royal Rangers History
November 21, 2019
This project is now a few years old. However we still need your help to keep it up to date. Do you have any history for your activities at outpost, sectional, district, regional, or national events for 2019 or before? We would love to get a copy and get it posted on the history site. Whether is it Pow Wow packets, FCF packets, posters, documents, patch scans, staff listings, etc. All history for your district and section can be posted. Please contact Mark Oliver and it will get updated quickly. We ask that patch scans/photos be a minimum resolution of 300x300. If you take a photo, please put one patch per picture and take the photo close to the patch so we get it up close.
Current News:
November 21, 2019
Have you earned your 2019 contributor patch? If not, it is not too late. There are a few left. Read more on the home page about how to earn one.
Site Support:
This site is managed by the North Texas Royal Rangers on behalf of and is the exclusively authorized history site of the national Royal Rangers ministries office, Springfield, MO. Contacts for this site include Mark Oliver and Jonathan Trower.
Conferences (US)
- Alpha
- Appalachian
- Arizona District and Arizona Hispanic
- Cornerstone
- Ephesians 4 Network
- East Oklahoma
- Eastern Virginia
- Florida
- Georgia
- Golden West Conference and West Coast Hispanic
- Grace Bible Ministries and Texas Latin
- Great Plains
- Harvest
- Heartland
- LifePoint
- Mid-Atlantic / Liberty
- Mississippi
- Montana / Idaho
- New England
- New Horizons
- North Carolina
- Northern Plains
- Northwest District and Northwest Latin
- Oklahoma
- Pacific Western
- Passion Connection
- Pacific Realm
- Redemption Ministries
- River of Life
- Rocky Mountain
- Sonshine
- South Carolina
- Spirit Life Ministries
- Tennessee Valley
- Texas
- Upper South Carolina
- Virginia
- Western North Carolina
Conferences (Canada)
- IPHC Canada
Conferences (LAMCAR)
- Latin America and Caribbean
- Africa
- Asia/Australia
- Europe/Middle East
Patch Manual
Staff History


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A lot of people around the world like chewing gum. It's hard to say no to sweet, colorful gum, because they leave a pleasant taste in our mouths. Chewing gum not only refreshes the breath, but also provides numerous health benefits. Several studies show that gum can help overcome cigarette cravings and boost memory. So, what are the health benefits of gum? Does chewing gum make you lose weight? Here are the benefits of chewing gum and research on gum…
Chewing gum is a habit most of us have from our childhood. Sometimes we prefer chewing gum to protect ourselves from junk food and sometimes to calm our nerves. Chewing gum for whatever reason is among the habits of most of us.
With a population of 270 million, the United States ' chewing gum consumption is 46 billion units per year. That is, 184 gum drops per person in the United States. Did you know that the gum we enjoy chewing is actually beneficial to our health?
Benefits Of Chewing Gum
- Helps in weight control: Gum is practical, cheap and low calorie. A sugared gum is about 5 to 10 calories. Sugar-free ones may also be preferred. Chewing gum is a great way to prevent snacks and reduce calorie intake.
- Reduces appetite: Chewing Gum helps to control appetite. The study, published in 2007 in the journal Appetite, shows that chewing gum before an afternoon snack helps reduce hunger and calorie intake.
- It takes calories: In an experiment, Mayo Clinic experts calculated that chewing gum can burn 11 calories per hour.
- It causes you to eat less at meals: In a study, it was observed that adults chewing gum for 15 minutes at one hour intervals during a three-hour period before the mid-afternoon snacks ate 36 calories less than those who did not chew gum. Whether it is sugar-free or normal, it doesn't make any difference and both help to eat less.
- You can have the option as a snack: Chewing gum can replace low-calorie snacks as well as high-calorie snacks. In this way, instead of eating 140-calorie chocolate chip cookie chewing gum 20 calories, you do not get an extra 120 calories.
- Increases concentration and relieves stress: Chewing Gum is one of the easiest ways if you're looking for simple ways to increase concentration and relieve tension. According to studies, chewing gum increases alertness and concentration and reduces the daily stress of life.
- It increases blood flow to the brain: Many athletes and their coaches prefer to chew gum during the game to stay calm and reduce tension. At the same time, some teachers argue that the rule on chewing gum in schools should be changed and that chewing gum during exams will better ensure their alertness and concentration. Recent research shows that chewing gum increases blood flow from the veins to the brain by 25 percent. Another study, published in 2002 in the journal Appetite, shows that chewing gum also increases individuals ' ability to learn, keep in mind, and access information.
- Promotes oral and dental health: It is known by everyone that chewing gum helps keep our breath fresh. In addition, it increases the salivation which is the most powerful defense mechanism in the body. Therefore, chewing gum during the day would be a good option. Sugar-free gum promotes oral health in many ways. It prevents the formation of plaques and caries, repairs mineral disorders in tooth enamel, prevents the formation of tooth stains, reduces the ones. A healthy mouth is directly related to a healthy body. Bacterial ingestion by mouth leads to various diseases.
So, does chewing gum lose weight? As a result, considering the benefits mentioned above, chewing gum will help you lose weight.
Tips for Weight Control with Gum
You have eaten too much or you can't stop yourself, you can start chewing gum right away. You can suppress this motive by chewing gum when you want to eat high-calorie junk food.
Does stress make you eat more? You can try to reduce your stress and avoid snacks by chewing gum. Chewing gum while cooking will prevent you from snacking on the pretext of tasting during preparation.
Don't Overdo It
Most sugar-free gum contains sorbitol, which is less calorie sweetener. Sorbitol is a type of sugar that is rarely absorbed by the small intestine and may have a laxative effect. A study in the British Medical Journal found that over-consumption of sorbitol-containing gums (15-20 bars per day) caused chronic diarrhea, pain, and unexplained cases of weakening.
In addition, experts say that chewing gum will strengthen facial muscles and help you get rid of facial fat more easily and will help to reduce the thinning of the face. You can find a health review here. You can also check out other weight loss recommendations on our site.


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Operating Instructions Digital Cordless Phone Model No. KX-TG1811NZ KX-TG1811 KX-TG1812NZ Charge the batteries for about 7 hours before initial use. KX-TG1813NZ
Table of Contents Introduction ............................................................ 2 Preparation ............................................................. 4 Making/Answering Calls ........................................ 9 Phonebook............................................................ 10 Useful Telephone Settings .................................. 11 Caller ID Service ................................................... 14 Multi-unit Operation ............................................. 16 Useful Information................................................ 17
Caller ID Please read these operating instructions before using the unit and save them for future reference.TG1811_1812_1813NZ(e-e).book Page 2 Friday, May 12, 2006 3:51 PM
Introduction Introduction
Date of purchase
Note: L In the event of problems, you should contact your equipment supplier in the first instance.
Your phone
Note: L The handsets have been pre-registered for use with their base unit. If not registered, see page 17.
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Included accessories Quantity No. Accessory items KX-TG1811 KX-TG1812 KX-TG1813 1 AC adaptor for base unit 1 1 1 Part No. PQLV19AL 2 Telephone line cord 1 1 1 3 Rechargeable batteries AAA size 2 4 6 Part No. HHR-55AAAB or HHR-4EPT 4 Handset cover*1 1 2 3 5 Charger – 1 2 Part No. PQLV30018 6 AC adaptor for charger*2 – 1 2 Part No. PQLV200AL
1 2 3
4 5 6
Note: L When replacing the batteries, use only 2 rechargeable AAA size nickel metal hydride (Ni- MH) batteries. We recommend using Panasonic rechargeable batteries (Model No. HHR- 4EPT). L We cannot be responsible for any damage to the unit or degradation of performance which may occur from using non-Panasonic rechargeable batteries.
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Preparation Warning: Preparation
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Preparation internal parts becoming accessible, disconnect the power supply cord Connections immediately and return this unit to an authorised service centre. Base unit L Disconnect the telecom connection before disconnecting the power connection prior Hooks to relocating the equipment, and reconnect the power first. LINE
Preparation rotary (pulse dialling) services. Insert the batteries negative (T) terminal first. Close the handset cover. If you subscribe to an ADSL service L Please attach a noise filter (contact your ADSL service provider) to the telephone line between the base unit and the telephone line jack in the event of the following: − Noise is heard during conversations. Note: − Caller ID features (page 14) do not L Use only the included rechargeable function properly. batteries (page 3, 4).
Battery charge Noise filter (For ADSL users) Place the handset on the base unit or charger for about 7 hours before initial Location use. For maximum distance and noise-free Battery strength operation, place your base unit: − Away from electrical appliances such as Battery icon Battery strength TVs, radios, personal computers or other phones. 054 Fully charged. − In a convenient, high and central location. 5 High 6 Medium Battery installation 7 Low 074 Needs to be charged. Important: L Wipe the battery ends (S, T) with a dry Panasonic Ni-MH battery performance cloth. Operation Operating time L Install the batteries without touching the battery ends (S, T) or the unit contacts. In continuous use 10 hours max. In continuous standby 120 hours max. mode
6TG1811_1812_1813NZ(e-e).book Page 7 Friday, May 12, 2006 3:51 PM
Preparation Note: G {R} (Recall) L It is normal for batteries not to reach full H Charge contacts capacity at the initial charge. Maximum I Microphone battery performance is reached after a few J {j/OK} (Menu/OK) complete cycles of charge/discharge K {ih} (Off/Power) (use). L {C} (Clear) L Actual battery performance depends on a combination of how often the handset is in M {INT} (Intercom) use and how often it is not in use N Ringer (standby). L Even after the handset is fully charged, Base unit the handset can be left on the base unit or charger without any ill effect on the A batteries. L The battery strength may not be displayed correctly after you replace the batteries. In B this case, place the handset on the base LINE
Handset A
A B A Charge contacts C N D J E K Displays F 1 C L 2 4 3 Icons Meaning G 7 5 6 8 9 M w Within range of base unit H 0
I R INT H Out of range, no registration 0w4 or no power on base unit A Receiver Paging, intercom mode or B Display x accessing base unit C {k} (Phonebook) k Making or answering a call D {C} (Talk) E Navigator ({e}/{v}/{>}/{<}) C Phonebook mode F {R} (Redial/Pause) l Setting mode
7TG1811_1812_1813NZ(e-e).book Page 8 Friday, May 12, 2006 3:51 PM
Icons Meaning + For call minder (page 14) Display language 5 Battery strength 1 {j/OK} Call bar is on (page 11). 2 Press {e} or {v} to select "SETTING HS". i {>} Direct call is on (page 11). 3 Press {e} or {v} to select "DISPLAY OPT". i {>} Key lock is on (page 9). 4 Press {e} or {v} to select "LANGUAGE". i {>} Ringer volume is off (page 5 Press {e} or {v} to select the desired 11). language. i {>} i {ih} Displayed when you press Note: {#}. L If you select a language you cannot read, If "BS NO" is selected for press {ih}, {j/OK}, press {v}, press standby mode display (page {>}, press {v} 3 times, press {>}, press 11) and the current base unit {v} 2 times, press {>}, select the number is 1, "-1-" is desired language, then press {>}. Press displayed. {ih}. If "HS NO" is selected for standby mode display (page Date and time 11) and the current handset number is 2, "[2]" is 1 {j/OK} displayed. 2 Press {e} or {v} to select "SETTING BS". i {>} i {*} 3 Enter the current hour and minute (24- 4 new calls hour time entry). When new calls have been received, the L If you make a mistake, press {C}. display will show the number of new calls. Digits will be cleared from the right. 4 {>} 2 times i {*} 2 times Symbols used in these 5 Enter the current day, month, and year. operating instructions L If you make a mistake, press {C}. Digits will be cleared from the right. Symbol Meaning 6 {>} i {ih} {j/OK} Press {j/OK}. i Proceed to the next operation. "" Select the words in quotations shown on the display (e.g., "SETTING HS") by pressing {e} or {v}.
8TG1811_1812_1813NZ(e-e).book Page 9 Friday, May 12, 2006 3:51 PM
Making/Answering Calls Making/Answering Calls
{C} Making calls ■ Storing: {>} i "SAVE TEL NO" i {>} i 1 Dial the phone number. i {C} {j/OK} i Enter the name (9 characters max.; page 10). i 2 When finished talking, press {ih} or {j/OK} place the handset on the base unit or ■ Editing before calling: charger. {>} i "EDIT CALL NO" i {>} i Edit the number. i {C} ■ Erasing: Answering calls {>} i "CLEAR"/"ALL CLEAR" i {>} i "YES" i {>} i {ih} 1 Press {C} to answer the call. L You can also answer a call by pressing any dial key from {0} to {9}, {*}, {#}, Key lock or {INT}. (Any key answer feature) The handset can be locked so that no calls 2 When finished talking, press {ih} or or settings can be made. Incoming calls can place the handset on the base unit or be answered, but all other functions are charger. disabled while key lock is on. To turn key lock on, press {j/OK} for about Handset locator 2 seconds. To turn key lock off, press {j/OK} for about 1 Press {x} on the base unit. 2 seconds. 2 To stop paging, press {x} on the base unit or press {C} on the handset. R button (to use the recall feature) To adjust the receiver volume {R} is used to access optional telephone Press {e} or {v} while on a call. services. Contact your service provider/ telephone company for details. Pause button (for PBX/long Note: distance service users) L If your unit is connected to a PBX (private branch exchange), consult your PBX A pause is sometimes required when dealer for details. making calls using a PBX or long distance service. Pressing {R} 1 time creates 1 Call waiting pause. Press {R} repeatedly to create longer pauses. Call waiting is a service offered by your service provider/telephone company Redial functions (Redialling/ whereby a second caller can be answered while online with the first caller. To answer Storing/Editing before calling/ the second caller, press {R}. To return to the Erasing) first caller, press {R} again. Please consult your service provider/telephone company 1 {R} i Press {e} or {v} to select the for details of this service. desired number. 2 ■ Redialling:
9TG1811_1812_1813NZ(e-e).book Page 10 Friday, May 12, 2006 3:51 PM
Phonebook number/character. Phonebook
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Caller ID Service received. Caller ID Service
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Caller ID Service
15TG1811_1812_1813NZ(e-e).book Page 16 Friday, May 12, 2006 3:51 PM
Multi-unit Operation Multi-unit Operation
Transferring calls between handsets, conference calls (KX- TG1812 and KX-TG1813 only) Outside calls can be transferred between 2 people in the same radio cell. 2 people in the same radio cell can have a conference call with an outside party. Example: When handset 1 transfers a call to handset 2 1 Handset 1: During an outside call, press {INT} i Press {2} (desired handset number). L The outside call will be put on hold. L If there is no answer, press {INT} to return to the outside call. 2 Handset 2: Press {C} to answer the page. L Handset 2 can talk with handset 1. 3 Handset 1: To complete the call transfer, press {ih}. To establish a conference call, press {3}.
16TG1811_1812_1813NZ(e-e).book Page 17 Friday, May 12, 2006 3:51 PM
Useful Information Useful Information
Troubleshooting If you still have difficulties after following the instructions in this section, disconnect the AC adaptor and turn off the handset, then reconnect the AC adaptor and turn on the handset.
17TG1811_1812_1813NZ(e-e).book Page 18 Friday, May 12, 2006 3:51 PM
Useful Information
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Useful Information
19TG1811_1812_1813NZ(e-e).book Page 20 Friday, May 12, 2006 3:51 PM
Sales Department: Panasonic New Zealand Ltd. 350 Te Irirangi Drive East Tamaki Private Bag 14911 Panmure Auckland NEW ZEALAND
Copyright: This material is copyrighted by Panasonic Communications Co., Ltd., and may be reproduced for internal use only. All other reproduction, in whole or in part, is prohibited without the written consent of Panasonic Communications Co., Ltd.


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Paddock plan Croix
April 7, 2015
We would like to remind you that ALL Supermono competitors are welcome to park their vehicles and awnings next weekend at Zone 3 only.
Free entry for spectators. Tire service available at the paddock.
There are over 250 + competitors so the paddock will be quite crowded!
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1 Hickory Kingdom Road
$1,040,000, 4 Beds 4 Baths 4,911 Sqft 2.04 Acres
About This Property
BYRAM HILLS/ ARMONK SCHOOLS .Bedford is PO. ORIGINAL OWNER Impeccably maintained, pristine Colonial. WAIT 'TIL YOU SEE THE LOWER LEVEL! The Chef's Kitchen is open to Family Room. French doors from Kitchen and Family Room lead to an expansive deck. First floor has Office (or Den) as well as a large Formal Dining Room. Bright corner Living Room with double exposure is great for entertaining. The spacious Laundry Room is windowed and adjacent to the Garage. The Walk Out Lower Level (1587 Square Feet) has a built-in Bar/sink, loads of storage, a full Bath and a Room for privacy! 330 gallon oil tank is above ground and enclosed.) Please request or see SPECIAL FEATURES and SURVEY in DOCUMENT Manager. Easy North Street drive to Merritt and convenient to Bedford and Armonk hamlets. Well-designed and constructed for active family living. STAR deduction, if applicable = $1308
Essential Information
Community Information
Cathedral/Vaulted/High Ceiling, Deck, Eat in Kitchen, Formal Dining Room, Granite Countertops, Hardwood Floors As Seen, Laundry Room/Private, Master Bath, Pantry, Powder Room, Privacy, Security System, Sky Light, Sprinkler Lawn Sys, Walk In Closet, Walk Out Basement, Wall To Wall Carpet, Wetbar, Workshop
Ceiling Fan, Central Vacuum, Convection Oven, Cook Top, Dishwasher, Dryer, Garage Door Opener, Light Fixtures, Mailbox, Oven/Range, Refrigerator, Second Refrigerator, Shades/Blinds, Wall to Wall Carpet, Washer, Whirlpool Tub, Wall Oven
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Corner Lot, Level, Stone/Brick Wall
School Information
Listing Details
The data relating to real estate for sale or lease on this web site comes in part from HGMLS. Real estate listings held by brokerage firms other than KELLER WILLIAMS NY REALTY are marked with the HGMLS logo or an abbreviated logo and detailed information about them includes the name of the listing broker.
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Listing information last updated on January 25th, 2020 at 8:58pm CST.


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Price 10 Marla Plots Ghazi Block Bahria Town Lahore
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Camera With The Fastest Shutter Speed
Canon Photography Courses Melbourne What Is Fine Art Wedding Photography. feel comfortable with into your contract for wedding photography services. Many wedding party members enjoy sharing their wedding photos publicly, such as on social media. This is usually fine, Peter Lik, whom many believe is the world's most successful
Best Photography Degree Melbourne Apart from Shapowei, a number of galleries and museums have sprung up in the past few years, including the Zhangting Art Museum, the Qianji Gallery, 798 Times Space Xiamen, Xinhe Gallery and Three. This is some of the best of what he's seen. WHEN Andrew
Aug 1, 2006. A camera's maximum sync speed is the fastest shutter speed at which you can use a "standard" flash. (I say "standard" because some systems.
Others take full control with manual mode and rather than thinking of exposure in terms of how to best compensate the scene against the camera's neutral gray metering, they manipulate the three.
The camera will. face-detection, fast autofocus, and support for 6 FPS stills capture are all implemented as well. And.
The device's high level of feature parity with the XS line meant it was actually the best option for the masses. When you.
Stock Image Person Walking In Door Archive PL / Alamy Stock Photo. get to know the junior people at the firm and get a different read. The risk may not be. In that time, Amazon.com Inc. (NASDAQ: AMZN) announced it was looking to hire an HQ2 worth of people. it's a
Others take full control with manual mode and rather than thinking of exposure in terms of how to best compensate the scene against the camera's neutral gray metering, they manipulate the three.
The camera also comes with a new shutter mechanism that claims to reduce motion blur. Sony Alpha A7 IV also supports.
shutter allows for flash photogra- phy at 1/800 sec – the camera's fastest shutter speed. In this area, it outshines the focal plane shutters found in 35mm systems.
The RF Mount lenses have a new design. Like focus and zooming rings, an electronic control ring on the outside of RF Mount.
Having said that when it came to exploring ideas around street photography in my early days of owning a camera, I did find a few. article is titled — extremely low shutter speeds. In my mind, a low.
The camera is Sony's first shoulder-mounted CMOS 2/3" sensor camcorder with a global shutter. Sony has had cameras with a.
A slow shutter speed lets in a lot of light, but might also contribute to a blurry photo, since the sensor will register both a shaky camera and your subject's moments. A fast shutter limits the light.
If you switch the flash off, the e1 limitation for the fastest shutter speed goes away, replaced by the fastest shutter speed that camera is capable.
When you have a basic understanding of aperture, shutter speed, and ISO – which are also. shutter speed controls how motion is captured by the camera. A fast shutter speed will freeze moving.
Make Photography Logo Online Free They unveiled a new visual identity, rebranding their logo and. web designers and online businesses start 'killing' the stock photo. Funnily enough, 2015 was the year that a host of free. Study Photography Distance Education mit open courseware This course helps photography lovers to look
Study Photography Distance Education mit open courseware This course helps photography lovers to look at the. Kharagpur- Maulana Azad gave an assurance that the Government would continue to take a deep interest in the advancement of. Photography is undoubtedly the art form of the modern day – almost everyone.
While the auto modes do a generally decent job of getting the exposure right, the camera tends to keep the shutter speed relatively low in most modes. Despite offering shutter speeds as fast as 1/4000.
Jun 9, 2016. The fact is that camera and lens stabilization do work, it's the minimum shutter speed that's wrong. I suggest you add at least 2 full stops of.
That's a darned good camera, and you can get. I am quite sure that Nikon doesn't make any mechanical camera with shutter speed of 1/8000.
Engineered around Teledyne DALSA's proven camera platform, and featuring Teledyne e2v's 16M Emerald image sensor, these new models deliver affordability, ease of use, and are designed for industrial.
Oct 5, 2008. The usable shutter speed at which you won't get camera shake, depends. Even when I don't use flash, 1/250th remains a good starting point.
compared to f/1.8 aperture of the Realme XT's 64MP camera. At comparable values of shutter speed and ISO, the Realme XT does relatively better than the 5 Pro when it comes to exposure as well as the.
Try for yourself. To help generate a suitably fast shutter speed, you may need to increase ISO. You could do this manually or.
Mar 27, 2015. Normal shutter speed (1/125th second) Normal shutter speed. you use the fastest possible shutter speed for your camera in the studio?
Mar 26, 2014. It's tough to track a fast moving jet with a camera/lens combination on a. Aperture sets the fastest shutter speed given your ISO sensitivity.
Oct 16, 2010. The shutter speed is the length of time that the camera's shutter is open, of the fastest and slowest shutter speed supported by many modern.
In a mirrorless or fixed lens camera shutter speed is typically controlled. The most common one of these is when you are shooting a fast moving subject, and a shutter speed which is too slow will.
The longer you keep the shutter speed open, the more light the smartphone camera sensors can take in For best results, use the manual mode, or "Pro" mode as it's called on some models, with the aid of.
You've got the same dials for mode, shutter speed, and exposure compensation. way autofocus joystick that is also how you'll navigate the camera's menus. The Q button (for fast access to your basic.


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We are loving this design, infusing a bit of comfortable glamour into this farmhouse nestled into the woods of St Louis County, take a look at the finished project! Calming down the color palette from its original jeweled tones, adding a deep "greige" saturated wall color, vintage area rug, custom window treatments and pillows and detailed with botanical art in a mindful gallery takes this space from dated and is transformed into Farmhouse Glamour!
Latest posts by Sara Luigs (see all)
- CURE is TEN!!! - April 25, 2019
- Chic + Modern Baby Girl Nursery - June 1, 2018
- Career Opportunity-Design Assistant! Send Resume today! - September 11, 2017


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Another year, another list. Let's do this!
If you haven't read Erin McLellan's holiday novella, Stocking Stuffers, stop what you're doing and get to it because the second book is right around the corner, just in time of Valentine's Day.
Title: Candy Hearts
Series: So Over the Holidays #2
Release Date: February 3, 2020
Pre-Order Link: https://amzn.to/2QtVoCH
Universal Link: https://smarturl.it/candyheartskindle
A little birdie told me there will be a third book in this series, and I am SO here for it!
Next is a brand new author, Ash Knight, whose debut is a hurt/comfort MM romance with autism rep.
Title: Stay
Release Date: February 4, 2020
Pre-Order Link: amazon.com/dp/B083PP17D6
A brand new series from Allison Temple? Hell yeah!
Title: Work-Love Balance
Series: Out & About #1
Release Date: March, 2020
Books 2 & 3 in the Out & About series to follow later in 2020.
2020 is shaping up to be The Year of the Series! If you follow Allie Therin on social media, you should be familiar with her hilarious stick figure comics featuring prickly Rory and sweet Arthur from her Magic in Manhattan series. I can't get enough of those two. Check out her website for more info.
Title: Starcrossed
Series: Magic in Manhattan #2
Release Date: May 18, 2020
I've had the pleasure of getting to know author Alice G. Holmes over the past several months. Their debut from Nine Star Press is going to be out of this world. They say it's a work of passion and a bit of spite, and I just know it will be amazing.
Title: Sorcery of the Blood (subject to change)
Release Date: TDB (slated for Spring/Summer 2020)
I ADORE Alexis Hall's contemporary stories. One of my favorite all-time tropes is fake relationships. Give me a combination of the two and I am all there!
Title: Boyfriend Material
Release Date: July 7, 2020


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From local to long-distance moving, you can count on Calgary Super Movers to get your belongings to their new home safely and quickly. You already have enough stress in your life. Why let a move become overwhelming? Our experienced movers take the load off and take care of all your moving needs. If you need short-term storage or help with packing your delicate items, our movers can help. Relax while your belongings are handled by our dedicated professionals. We're dedicated to making your move as simple and efficient as possible.
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Motorola Scout 85 WiFi HD Pet Monitor Remote Access Digital Video Pet Monitor Remote Viewing, view your pet anytime, anywhere using nearly all Internet-enabled Smart phone, tablet or computer with any Motorola Monitor. Plug & Play Quick and easy set up Mechanical Pan, Tilt & Zoom Adjust the camera position remotely Two-Way Audio Listen and speak to anyone in your home Night Vision Monitor around the clock with infra-red night vision Includes Free Streaming Video Connect any time anywhere for free.
Approved by the RSPCA the Motorola Scout 1 Pet Cam will provide responsible pet owners the additional security and peace of mind that their pet is safe at home. Using the two-way audio system, owners will also be able to communicate with their pet, record videos and capture amazing photos-all in real time footage. Motorola will be donating a percentage of each purchase to the RSPCA.
FREE DELIVERY ON ALL ORDERS OVER £50.00 TO UK email@example.com
UK ORMSKIRK CUSTOMERS Free delivery from Pet Shopper to Ormskirk area within a 5 mile radius of Ormskirk town centre. Order through "contact us" option or by phone 01695 579827


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Jerry Robinson and me; photo by Bruce Guthrie
Bruce Guthrie was up at the VisArts at Rockville building this weekend and took some shots of the Zapp! Comic Books and the Arts exhibit that was closing on November 18th, as well as pictures of Jerry Robinson and Lee Marrs in the convention space. Ms. Marrs gave a talk on webcomics and Bruce got pictures of that as well. I did too, and I'll try to post mine soon.


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A Stock Market Blind Spot
Statements required by the stock market need no mention of a company's brands, their shares and ranks. There is no place for them in the list of assets of a firm. However, no financial statement can show a surplus without them. It is ironic but true that the most valuable assets of companies on a stock market are intangible.
Top marketing professionals understand the value of brands for their careers depend on them. However, pressures to present a bright picture to the stock market may force top executives to prevaricate on investments needed to develop brands. Tax laws allow advertising and brand development expenses to be written off against the current year's profits, though the effects, if properly administered, last for years.
Brand values are subjective and very ethereal for stock market professionals. Surveys are not always unbiased and authoritative, and formal audits are difficult for outsiders to access. However, retail investors need to keep tabs on how brands fare, for they are the earliest and surest indicators of a company's fortunes. Knowledgeable and experienced people often decide to remain invested in companies which are willing to even take transient drops in cash flows in order to build brands of durable values.
Some stock market analysts focus on products when considering brands, but the process is even more important in services. Corporate branding is more important than that of individual components in industries related to travel and tourism. Consumer recall levels of corporate and service brands are very difficult to assess, especially in terms of understanding consumer decision making.
Small investors can assess brand values of all kinds by reviewing their own impressions as consumers, and by soliciting inputs from suppliers and members of the logistics chain. Observant people at retail outlets can provide invaluable insights in to trends in competitive branding. Branding matters in all sectors as long as people have the freedom to choose. It is therefore ubiquitous in a stock market environment. Relative rates of recall and trust are fluid, and hence it is necessary to monitor trends on an intermittent basis. Managements should always be pressed to provide as much detail as possible regarding their brand management achievements and plans.


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Shopee, Lazada lead in battle for S-E Asia's e-commerce crown: iPrice
Shopee, Lazada lead in battle for S-E Asia's e-commerce crown: iPrice
E-COMMERCE rivals Lazada and Shopee split the lead for South-east Asia's crown in the first quarter of 2019, according to product comparison website iPrice.
Sea Group's Shopee, a relative newcomer to e-commerce, took the crown for Internet platforms with a monthly average of 184.4 million visits on desktop and mobile web, said iPrice, which used data from App Annie and SimilarWeb. That surpassed the 179.7 million average recorded for Alibaba-backed Lazada.
The lead in mobile apps, however, is less straightforward. Lazada, which had the app with the most monthly active users in South-east Asia in 2018, had the most popular mobile app in the Philippines, Malaysia, Thailand and Singapore in Q1 2019. It was also second in Vietnam and fourth in Indonesia.
Shopee's app ranked first in Vietnam during the quarter, but came in second in Indonesia, the Philippines, Malaysia and Thailand. It was third in Singapore. The Shopee app ranked second for the whole of 2018.
The regional battle between Lazada and Shopee has been heating up even though Shopee is a relative latecomer to the scene.
Lazada's web platform recorded a 12 per cent decline in its overall total average monthly visits from the previous quarter, most likely due to the differences in marketing initiatives between the two periods. The fourth quarter of 2018 saw a surge of sales for events such as Singles Day, Black Friday and Christmas, iPrice said.
In March, Lazada announced a series of products and services aimed at boosting the growth of its brands and sellers, and resolving the pain points that merchants face in marketing, branding and sales.
Meanwhile, Shopee is a rapidly growing e-commerce business, with annual gross merchandise value crossing US$10 billion for the first time in 2018. Sea said in March that it is raising up to US$1.55 billion from a new share offering for business expansion. Shopee's web product experienced a 5 per cent rise in total average monthly visits from the previous quarter, driven by increased visits in Indonesia and Thailand.
In terms of web platforms, Indonesian players Tokopedia and Bukalapak, with 137.2 million visits and 115.3 million visits respectively, took the third and fourth spots in the region. In Singapore, Qoo10's website recorded the highest number of monthly visits, followed by Lazada, then Shopee.
On mobile, Tokopedia's app bagged first place in Indonesia, the region's largest market, followed by Shopee, Bukalapak and Lazada.


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Upper Arlington's government headquarters were evacuated briefly this morning after employees there reported a smell of natural gas.
Upper Arlington's government headquarters were evacuated briefly this morning after employees there reported a smell of natural gas.
Workers and visitors at the Upper Arlington Municipal Services Center at 3600 Tremont Road were forced to leave the building this morning, Dec. 4, after some inside reported smelling natural gas.
According to Fire Chief Jeff Young, workers at the MSC reported the smell of natural gas at 9:24 a.m., and fire crews were on the scene within three minutes.
The building was evacuated just before 9:30, and fire personnel turned off the gas.
The MSC was reopened to workers and the public by 10:17 a.m., Young said, although gas remained shut off. He said heat and hot water wouldn't be available inside the building until crews from Columbia Gas and building-maintenance staff could determine the cause for the odor.
Upper Arlington Community Affairs Director Emma Speight said the evacuation lasted for roughly 10 minutes until gas was shut off to the building.
"There was a smell of gas," Speight said. "They evacuated the building and gas was shut off. The building is back open and it's open for business. It all unfolded pretty quickly."
No one was injured during the incident and Speight said there was no damage to the MSC.
Look for more information regarding the MSC evacuation in the Dec. 10 edition of ThisWeek Upper Arlington News.


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Senator the Hon. Mathias Cormann
Minister for Finance
Leader of the Government in the Senate
Senator for Western Australia
The Hon. Michael McCormack MP
Deputy Prime Minister
Minister for Infrastructure and Transport
Leader of The Nationals
Federal Member for Riverina
The Hon. Dr John McVeigh MP
Minister for Regional Development, Territories and Local Government
Federal Member for Groom
Date: Wednesday, 20 June 2018
The Liberal and Nationals Government has today announced the development of a strategic planning tool to support the Melbourne to Brisbane Inland Rail, led by the Regional Australia Institute (RAI).
Deputy Prime Minister and Minister for Infrastructure and Transport Michael McCormack said the 'Are you Ready for Inland Rail?' tool will help regional Australians maximise the benefits of Inland Rail.
"This tool will outline the information regional communities need to consider to best prepare and take advantage of the long term benefits of this corridor of commerce," Mr McCormack said.
"The RAI has a great track record in developing strategic regional planning tools, to help regions across Australia maximise their growth and development."
Minister for Finance Mathias Cormann said the $9.3 billion commitment by the Australian Government to deliver the Inland Rail will ensure a fast, reliable and modern rail link between Melbourne and Brisbane, adding more than $16 billion to the Australian economy.
"The Inland Rail delivers the infrastructure required to ensure that Australia's supply chain remains competitive into the future," Senator Cormann said.
"Not only does this provide a long-term solution for national freight task, it provides infrastructure that will help to grow economic opportunity throughout regional Australia."
Minister for Regional Development John McVeigh said the Inland Rail Regional Liaison Offices will work with communities utilising the tool to take advantage of long term benefits for regions.
"Staff from the Department of Infrastructure, Regional Development and Cities will be working with businesses and communities along the alignment to understand how they can make the most of this major investment in freight infrastructure," Dr McVeigh said.
"The long term benefits of Inland Rail for regional Australia will be most effectively led by regional communities, and this tool will help regional communities to achieve this.
"The Regional Australia Institute, tasked with developing this tool, is an important advocate for regional communities and I am pleased we have been able to provide additional support for the RAI in this year's Federal Budget."
Regional Australia Institute CEO Jack Archer said for those regions along the Inland Rail route, being able to capitalise on the benefits it will bring is dependent on having a well planned and executed strategic plan.
"The planning tool, which every region will be able to access and benefit from, regardless of their size or resource constraints, will help communities prepare for this once in a generation opportunity," Jack Archer said.
The 'Are You Ready for Inland Rail' strategic planning tool will be available from September 2018.
For Minister Cormann: Karen Wu - 0428 350 139
For Minister McCormack: Colin Bettles - 0447 718 781 and Dom Hopkinson - 0409 421 209
For Minister McVeigh: Claire Siddins - 0427 200 674