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Passing popular IT certifications of ISTQB was never so easy before. Earlier candidates had to buy books and register for lectures and courses to pass complex and higher level certifications by ISTQB certification exams. With our carefully designed ISTQB exam preparation and study resources including practice tests, questions and answers, guides, and test software, candidates can now prepare online in a hassle-free way. Qualified professionals and experts from the IT sector have devoted their experience and time in developing precise and comprehensive ISTQB PDF questions and answers that simulate the actual exam content. Practicing on a ISTQB practice exam simulator gives you the edge of getting a hands on experience of the real exam even before you appear for it. This will give you the boost in confidence you need to pass the ISTQB exams in the first attempt.
CertsSafe's preparation material for ISTQB are self-paced learning tools to prepare effectively for the entry level, specialist, and professional ISTQB exams. Resources and learning tools are available for all old and recently released ISTQB exams and tests. All the ISTQB practice exams directly map to the objectives of the exam and utilize similar live application system that is used in actual ISTQB exams. The practice tests for ISTQB certifications tend to simulate the original exam environment making the candidates familiar with the ISTQB questions to be asked on the exam day. The distinct and superior quality of the PDF files and software helps strengthen the learned concepts so that candidates can attempt the ISTQB exam with sheer confidence. Having confidence while attempting ISTQB certification exams elevates the chances of scoring high in the first attempt. A high score ISTQB certificate gives the edge in interviews and you get more chances of getting your desired job.
CertsSafe is a recognized and reputed company having ten years of experience in the field. Its top quality ISTQB practice tests are ideal for candidates aiming to prepare for ISTQB certification exams. CertsSafe is ranked as one of the leading online preparation sites for ISTQB certification exams offering simple and quick product downloads. Exact question kinds, detailed descriptions and explanations, verified answers, latest technology test software, and multiple learning modes make us stand as one of the best online preparation site for the ISTQB certifications. Detailed reports are generated upon the completion of the practice tests to let the candidates review their strengths and weaknesses on every ISTQB exam topic. 24 hour access to the learning tools and easily downloadable ISTQB document files make the learning quick and hassle free. Guaranteed success, affordable rates, and 24 hour customer support have earned us thousands of loyal users. In case of a failure in ISTQB certification exam, CertsSafe completely refunds your money spent on purchasing ISTQB exam preparation material on our site. Hence your money is always safe on every ISTQB exam preparation material purchased from CertsSafe.


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We've all been there. Something goes wrong with a product or service you're using and you need help. Of course, the people in charge can't help you or really don't want to. They're busy, they're not interested or they just really don't care. Whichever it is, everything seems to fall apart and you're left alone to pick up the pieces. We all know this as terrible customer service.
On the flip side are those experiences with great customer service. The business and its employees go above and beyond your expectations and do so with a smile and positive attitude. Customer service can make or break a business. Just how influential is it, though? Today we're taking a look at the power of great customer service.
Customers give reviews.
One of the most important aspects of customer service are the reviews customers provide. The power of reviews comes most into play when we look online. There are reviews online for businesses, page commentaries and especially social media sites. Facebook, Twitter, LinkedIn and Instagram posts are filled with satisfied and dissatisfied customers airing their experiences across the internet.
And, as we've begun to see over the past several years, these reviews are taken seriously by their readers. According to the Harvard Business Review, nearly 50% of customers who had a negative service experience have told over 10 people about it. These reviews matter and they influence the potential for new customers.
Customers talk with friends.
Many customers who have good customer service experiences will share this with others. This means even outside of the Internet world, customers are talking with their friends and family about their interactions with businesses. For companies who provide great customer service, this is quite literally free marketing.
If other individuals hear how great their friends or family were treated, they're more likely to check out the business for themselves. Survey Monkey found that if customers have a "very good" or "excellent" service experience, 97% of them are "very" or "extremely" likely to tell friends and family about it. Customer service is powerful because it goes beyond just immediate customers, but spreads into more and more of their personal circles.
Customers can be retained.
The White House Office of Consumer Affairs found it's six to seven times more expensive to attract a new customer than to keep an existing one. Once a business gains a new customer, customer service is vital to retaining the client and keeping him or her happy.
How do we retain customers? By listening to their problems, empathizing with their experiences and truly working to solve the issue quickly and efficiently. Put yourself in the client's shoes to really understand their frustration and work to overcome it.
Customer service is a powerful tool, which can draw in new customers or push potential clients away. For any business to thrive and grow, customer service should be at the forefront of its mission. The next step: how can you focus your efforts to improve customer interactions?

subset: commoncrawl


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A Green 3-piece tailcoat would be the perfect tailcoat for everybody, but since we believe in made-to-measure we give you the possibility to adjust the tailcoat to your likings.
When the fabric and colour are the right match for you, you can start adjusting the details, like Lapels, Buttons, Pockets and many more. This Green 3-piece tailcoat will be truly unique and a great asset to your wardrobe.
- Colour: Green
- Fabric: Robin Hood, Wool
- Type of Fabric: Basic
- Season: Year round


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Delivery Information
- The image displayed is indicative in nature.
- Actual product may vary in shape or design as per the availability.
- Flowers may be delivered in fully bloomed, semi-bloomed or bud stage.
- The chosen delivery time is an estimate and depends on the availability of the product and the destination to which you want the product to be delivered.
- Since flowers are perishable in nature, we will be able to attempt delivery of your order only once.
- The delivery cannot be redirected to any other address.
- This product is hand delivered and will not be delivered along with courier products.
- Occasionally, substitution of flowers is necessary due to temporary and/or regional unavailability issues.
Care Instructions
- When your flowers arrive, just trim the stems and add water.
- Re-cut 1-2" of the stems at a 45 degree angle.
- Use a clean vase and clean water.
- Remove the leaves below the water line but do not remove all leaves along the stem length.
- Check the water level daily and replenish as needed.
- Don't place flowers in direct sunlight or near any other source of excessive heat.
- All flowers benefit from a daily mist of water.
- Enjoy your flowers!Store your chocolates in the refrigerator.
- If they are exposed to high temperatures, they may begin to soften, compromising the appearance and flavour.
- Please refer to the expiration date on the package and consume your chocolates before that.


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Troubleshooting information for the iPhone app is provided below. If you still have problems after reading this page, please contact us.
I don't receive Push Notification remindersReminders via Push Notifications are sent according to your Remember The Milk reminder settings (learn more about configuring reminders). If you experience problems with Push Notifications, please try the following to resolve the issue:
1. Is your device jailbroken or "hacktivated"?
As far as we're aware, at this time Apple doesn't support the Push Notifications service on jailbroken or "hacktivated" devices. If this applies to you, we're sorry that Push Notifications won't work with the app on your device.
2. Double check your reminder settings.
Please see the reminders guide for instructions on setting your preferences. You can check that your preferences are working by setting up a different reminder method (e.g., email) and ensuring that you receive reminders at the correct time.
3. Restart your device.
Some issues with Push Notifications may be resolved by restarting the iPhone OS software, then launching the RTM app again. To restart your iPhone or iPod touch:
- Hold the power button until "slide to power off" appears.
- Slide to power off.
- After the device is off, press the power button to turn it back on.
- Tap the 'RTM' icon to relaunch the app.
4. Still having problems?
Please contact us.
Note: Push Notifications are available exclusively for users. Learn more about Pro features
The app badge for Remember The Milk is updated via Push Notifications according to your app's Settings. If you experience problems with the app badge, please try the following to resolve the issue:
1. Restart your device.
- Press and hold the Sleep/Wake button for a few seconds until the red "slide to power off" slider appears, then slide the slider.
- Press and hold the Sleep/Wake button until the Apple logo appears to power on your device.
2. Make sure Push Notifications are enabled.
RTM should be listed under your device's Settings | Notifications. If not, please remove and reinstall the app and press OK in the prompt for notifications.
If it is listed, please make sure the Badge setting is in the ON position.
3. Check count of tasks in the app.
In the app, if the count of incomplete/today's tasks matches the app badge, then the app may be out of sync. If tapping the Sync button in the lower left doesn't help, then please contact us below.
4. Check count of tasks in the web app.
If the count of tasks in the app doesn't match the count visible in the app badge, then it would be worthwhile to check the count in the web app. (This is the count sent to the device via a push notification.) If this appears different than what the app shows, syncing the app or trying these steps would help.
5. Still having problems?
Please contact us.
Note: Push Notifications are available exclusively for users. Learn more about Pro features
iOS controls this behavior, and it appears to be time-based. If the device is unlocked shortly after receiving the Push Notification (i.e., within seconds), the app is automatically launched. If the device is unlocked a few minutes after receiving the Push Notification, the app isn't automatically launched. Unfortunately there is no way to customize this behavior for the app.
Note: Push Notifications are available exclusively for users. Learn more about Pro features


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Naturino Metallic Pink Pebbled Mary Jane Darling - 25 is backordered and will ship as soon as it is back in stock.
At Shooz, we want you to be pleased with your purchase. If for any reason you are not completely satisfied, we will gladly accept your return, provided the items are shipped back within 2 days of receiving your items, with the following conditions:
* Upon submitting a return request, we can provide a return label, the cost of which will be deducted from the final refund amount.
* There will be an additional $3 restocking fee for each item returned to be deducted from the final refund amount. This fee is applicable to Online in-store returns and Online in-store pickup orders as well.
* Items must be in their original condition, unworn, undamaged and sent back in their original box.
* Should an item not meet these qualifications, we reserve the right to not process the return and the items will be sent back to you.
* All items purchased from our Outlet Collection or that are markdown 30% or more are considered to be final sale and can not be returned.
Once a shoe has been worn, any issues with the quality or damages to the shoe must be directed to the manufacturer themselves.We reserve the right to cancel any orders due to price error, inaccurate inventory levels, and any such discrepancies as we deem fit.
Thank you!


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A source who spoke to several justices present during the incident told the Journal Sentinel that the confrontation occurred after 5:30 p.m. June 13, the day before high court's release of a decision upholding a bill to curtail the collective bargaining rights of public employees.According to the Journal Sentinel, Prosser issued a statement today, saying the accusation against him "will be proven false."
At least five justices, including Prosser and Bradley, had gathered in Bradley's office and were informally discussing the decision. The conversation grew heated, the source said, and Bradley asked Prosser to leave. Bradley was bothered by disparaging remarks Prosser had made about Chief Justice Shirley Abrahamson.
Bradley felt Prosser "was attacking the chief justice," the source said. Before leaving, Prosser "put his hands around her neck in what (Bradley) described as a chokehold," the source said. "He did not exert any pressure, but his hands were around her neck," the source said. The source said the act "was in no way playful."
But another source told the Journal Sentinel that Bradley attacked Prosser. "She charged him with fists raised," the source said. Prosser "put his hands in a defensive posture," the source said. "He blocked her." In doing so, the source said, he made contact with Bradley's neck.
Another source said the justices were arguing... [and] Prosser said he''d lost all confidence in [Abrahamson's] leadership. Bradley then came across the room "with fists up," the source said. Prosser put up his hands to push her back. Bradley then said she had been choked, according to the source. Another justice - the source wouldn't say who - responded, "You were not choked."
The NYT has picked up the story: "Wisconsin Judge Said to Have Attacked Colleague." The NYT article refers to the Journal Sentinel's new article this way:
Late Saturday, a separate Milwaukee Journal Sentinel report described a physical encounter in which two sources offered conflicting accounts of what happened, including one in which Justice Bradley was said to have charged at Justice Prosser.I'm reading the Journal Sentinel's account as referring to 3 — not 2 — sources, with 2 of the 3 versions portraying Bradley as the aggressor: "the source... another source... [a]nother source...."
I want to know not only what really happened at the time of the physical contact (if any) between the 2 justices, but also who gave the original story to the press. If Prosser really tried to choke a nonviolent Bradley, he should resign. But if the original account is a trumped-up charge intended to destroy Prosser and obstruct the democratic processes of government in Wisconsin, then whoever sent the report out in that form should be held responsible for what should be recognized as a truly evil attack.
ADDED: Everyone who thinks Prosser must to resign if he attacked Bradley ought to say that if Bradley attacked Prosser, she should resign. If that happens, then the tactic of leaking the original version of the story to the press will have backfired horrifically for Democrats, as Governor Scott Walker will name the Justice to replace Bradley. If both Justices erred and must resign, that will be 2 appointments for Walker, both of whom, I would imagine, will be stronger, younger, and more conservative than Prosser, and, with Bradley gone, the liberal faction on the court will be reduced to 2, against a conservative majority of 5.
AND: Remember, the legislature has the power to impeach, so it is Bradley who is at the greater risk as the story, suppressed for 11 days, comes out. The legislature could play neutral and impeach both Prosser and Bradley, but that would give 2 appointments to Scott Walker.
ALSO: People may assume that the man is larger than the woman, but — from what I have heard — Bradley is significantly larger than Prosser. Bradley is also 7 years younger than Prosser, who is 68.


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Patterned Men's Leggings | Multicoloured Forever Linked
Explore our Patterned Leggings for Men collection
Patterned Men's Leggings | Multicoloured Forever Linked
Independently designed by creative artists our designs cannot be found in the mainstream. Soft and stretchy spandex/polyester material that allows these unique patterned leggings to move with your own body shape.
Best choice for the gym, as joggers or for festivals and parties. These multicoloured striped fashion meggs are bound to become your favourite piece of gym fashion, given their versatility! And to top it off, these colourful patterned compression tights for men come with FREE SHIPPING to most destinations!
Men's Leggings - Product Details
• 82% polyester, 18% spandex
• Hand sewn, original all over print design
• Very soft four-way stretch peach skin fabric with a soft an luxurious feel that stretches and recovers on the cross and lengthwise grains
• Mid rise and full length fitted design, sitting above the natural waistline and ending right above the ankle.
• Front gusset for extra comfort
• Elastic waistband
• Flatseam and coverstitch
• Quick drying moisture-absorbing fabricSize guide
Product Measurements
Please refer to the below diagram and charts to calculate your fit. This size guide shows product measurements taken when products are laid flat. Actual product measurements may vary by up to 1" because they're custom-made by hand.
A 1/2 waist width
B Inseam length
C front riseSize Chart
Body Measurement Guide
This size guide shows body measurements. We suggest ordering a size down when your measurements are between sizes.
Find your size (CM)
Find your size (inches)
Creation and Delivery of your Order
• All products are made to order
• Price includes free shipping to UK, USA and EU. For other countries please verify at checkout.
• It takes 2-7 business days to make your product
• 97% of orders are shipped within 5 business days
• 50% of orders are shipped within 3 business days or fewerImportant information for UK residents
Please note, for EU customers, most of our orders are shipped from within the EU and Customs Duty might be levied in some situations. This is particuarly the case for UK residents where there is currently a maximum amount of £135 permitted through Customs, after which a duty charge will apply. It is up to the customer to investigate whether or not this might be the case. BillingtonPix is not responsible for any charges levied. Find out more from our Shipping Policy.
NB. This is an original product printed from digitally designed surface pattern art from our catalogue. We specialise in printed abstract contemporary retro design products for homewares, apparel, personal accessories, stationery and more.
Some FAQs you might want to know
BillingtonPix was set up during the first UK lockdown in 2020 in order to release a long pent up burst of energy, colour and pattern that had been developing deep inside Matthew's imaginative head. Matthew began, initially with photography, but then with retro style patterns, designing from his small office in London. He worked into the small hours of the endless lockdown days and nights to release all the designs he had developed over the last few years. It's a labour of love to exhibit these vintage designs on BillingtonPix.com. The name BillingtonPix comes from the first street his ancestors lived on when they came over from Ireland to Manchester in 1850.
You can find out more on our About Us page.
How We Make Things
All our products are made to order by printing our designs on the item you have purchased. Depending on the product, fulfillment will usually occur almost immediately and can take a couple of days to complete. The location of where you would like your product delivered will normally decide where exactly the item is produced. For the most part, we use premises in Latvia to cover most of Europe, including the UK. For USA it is likely that your product would be fulfilled in North Carolina. From there it is shipped directly to you, which can take on average 2-7 business days depending on your exact whereabouts.
In certain cases, for example, where a fulfillment centre becomes out of stock, we will use the next nearest location to you for completion of your order as quickly as we can.
Where possible, the products we choose to sell are ethically made and fulfilled as near as possible to you. For example, our greeting cards are produced using water-based inks and on paper recommended by the Forestry Commission. You can find out more on our Ethical and Environmental policy.
Fabric Care
We always recommend that our fabric products are washed in cool water using a mild detergent. Due to the nature of the printing process it is possible that the ink might fade over time.
Online Ordering
Currently we only sell online, which allows us to keep our prices as low as possible. We deliver all our products internationally.
International Shipping
Because we fulfill your order relatively local to you, we are able to offer free international shipping to most destinations. Sometimes, however, due to extreme postal charges, this might not always be possible. Please verify during checkout to ensure you are aware of any additional charges. This depends on a combination of the size of the item to be delivered plus the destination. For the EU and UK we are happy to maintain free delivery. For USA 75% of our products can be delivered for free. For all other places, please do check.
Please note, we are aware that some countries will apply an import duty and / or extra delivery charge on some items. Please ensure you have investigated what impact this might have for your order. BillingtonPix is not responsible for any additional charges other than those taken during the checkout process, or any abandoned packages.
Missing Orders
In the unfortunate scenario where your order does not arrive, please contact us after 30 days. We do not set this limit ourselves, but rather it is required by our fulfillment partners. We will request a replacement on your behalf.
Refunds and Returns
Because of the nature of the product being created to order we are unfortunately not able to return unwanted products. However if you are unhappy with your purchase please do email us via our online contact form or any of the other means of communication stated on that page.
Damaged Goods
If your order arrives damaged, or incorrectly processed, please get in touch, including clear photographs to show us what the issue is exactly. We will always work our hardest to rectify any problem that might occur.
Thankfully, for the most part, Covid19 is becoming a bit more controllable. However delays do still occur sometimes. Please check our Covid-19 update page for more information and for links for real-time delivery statuses.
Be happy, be retro
We want you to enjoy the vintage aesthetic of our products and designs as much as we do. Please let us know via the feedback forms on each product page, or just email us. We are always delighted to hear from our wonderful customers!


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Aragonite Var Flos Ferri
Auction Bidding
Check End Date/Time on Each Item
Closing Rules
Auction closes 10 minutes after End time or 10 minutes after last bid has been recieved.
Please Use your existing e-Rocks logon to access the Bidding Section.
Please ensure your User Profile details are up to date
or if new/forgotten your Password - Sign Up Now
When you are logged in a browser bar will appear at the top of each page, with your name to the right.
Please read the new e-Rocks T&Cs and Auction Rules - placing a bid confirms acceptance of these.
Once posted your bid will be held in the system even if outbid.
If a bid is lower than a reserve price, (Reserve Not Met) will display immediately and the bid will increment the auction price.
If a bid is higher than a reserve price, the bid will be set equal to the reserve price with (Reserve Met). The difference in bid above the reserve price is stored and private.
(You can view all your items by accessing My Items in your site browser bar.)
If you are outbid by default you will receive an automatic email - you can change these options in User Preferences.
Please do Feedback any problems/concerns


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February has been declared Pet Dental Month --and for good reason. The most common disease seen by veterinarians is dental disease. In fact, 75-85% of pets over the age of 2 have dental disease of some form. You're probably thinking: Great, I don't like going to the dentist, I can only imagine how my pet feels about it! The truth is, the same philosophy that applies to you and your family also applies to your pets when it comes to dental care. Below, we'll discuss the importance of healthy dental practices for your pets and what you should do to ensure they have a comfortable and long, healthy life.
Poor dental habits for your pet can lead to a number of health issues throughout the rest of its body. American Veterinary Medical Association President Dr. Douglas Aspros said that, "Dental problems are extremely common, and many are painful and can lead to serious systemic conditions. An untreated dental infection can spread to the heart, kidneys and other organs, and suddenly become life threatening."
The first sign of dental problems in your pet is bad breath. Take a look inside of their mouth and check the teeth and gums. Yellow, brown, or discolored teeth are another sign. As dental disease progresses, you may notice loose teeth and red, inflamed gums. Both dogs and cats will show an uncharacteristic reluctance to eating food or playing with toys and an overall sense of lethargy. Cats may show decreased grooming and increased drooling. You may even see your pet pawing at its mouth, as its gums become irritated. If you see any of these symptoms, the AVMA recommends taking your pet to the veterinarian as soon as possible.
Checkups and cleanings
The best way to prevent dental disease from developing in your pet is to make regular appointments for health examinations with your veterinarian. After the exam, your vet may recommend an oral care regimen, schedule regular cleanings, or offer a specific treatment based on your pet's current dental health.
Brushing and alternatives
Dr. Aspros acknowledges that only 1% of pet owners brush their pet's teeth. Not only do more owners need to begin brushing, they also should use chew toys, treats and rawhides to help keep their pet's teeth clean. Your veterinarian can recommend many of the products available to help maintain your pet's oral health between checkups.
Foods that bear the VOHC® (Veterinary Oral Health Council) Seal of Acceptance ensure that they adhere to their strict standards and protocols. The VOHC® allow their seal to be used on products meant to help retard the development of plaque and tarter on the teeth of animals.
For now, though, good old dental habits like regular brushing, checkups as well as good eating habits are the best way to maintain proper oral health for your pet. While you or a family member can easily express oral discomfort, your pet cannot. It is important to keep an eye out for the above symptoms and follow a pro-active approach to avoid discomfort for your pet and more costly veterinary procedures down the road.


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Hire A Top Class Real Estate Agent Who Will Invest In Your Future
Mortgage/Home Loans
When purchasing a real estate property, unless paying cash, consumers typically finance all or a portion of the purchase price. This means borrowing money from a financial institution to buy a home, using the intended home of purchase as collateral for the loan.
Mortgage payments include the principal (the amount borrowed), and the interested (the amount charged for borrowing the money). Payments can be made once a month, bi-weekly, or weekly, depending on availability from the lender. A typical mortgage is for an amount that does not go over 75% of the appraised value of the property or the purchase price, whichever is lower. A minimum 25% of the purchase price is required for the down payment. However, with a high-ratio mortgage you may pay less than 25% of the cost of the home as a down payment.
Home mortgages are available from several types of lenders: banks, mortgage companies, trust companies and credit unions. Different mortgage lenders may quote you different prices, so you should contact several lenders to make sure you're getting the best price. You may also get a home loan through a mortgage broker. Brokers arrange financial transactions rather than lending money directly; in other words, they find a lender for you. A broker's access to several lenders can mean a wider selection of loan products and terms from which you can choose.
It will normally only take a few days to receive approval for a mortgage, however, it is often recommended to get pre-approval for a mortgage. When you put in your offer to purchase, this is almost always on the condition of getting mortgage approval as this assures everyone involved that you are able to pay back the mortgage without defaulting.
Qualifying for a Mortgage
The process involves submitting your financial paperwork to a potential lender and receiving approval for a pre-determined mortgage amount. The pre-approval agreement may also guarantee an interest rate for a mortgage taken out during the 60 to 90 day pre-approval term. The mortgage lender will inquire about such things as your marital status, number of dependents, age, current employment (including how long you have worked there), salary, as well as other sources of income. They will ask for a list of your assets (i.e. vehicles, cash, etc.) and liabilities (i.e. credit card balances, car loans, etc.). Lenders also do a credit check to find out if you pay your bills on time.
To qualify for a mortgage, the applicant's gross annual income, credit history, and assets and liabilities (past or present) all impact the final outcome. There are a variety of online mortgage calculators available that can help you to ascertain the amount of mortgage appropriate to your financial situation.
Types of Mortgages
Fixed Term Mortgage
For fixed-rate mortgages the interest rate is established for the term of the mortgage so that the monthly payment of principal and interest is unchanged throughout the term. Irrespective of whether rates move up or down, you understand precisely how much your payments will be thus making personal budgeting easier. When rates are low, it may be better to take a longer term, fixed-rate mortgage for protection from upward fluctuations in interest rates.
Open Mortgage
With an open mortgage you have the ability to repay the mortgage at any time without penalty. The availability options are reduced to shorter terms (6 months or 1 year only), and the interest rate is higher than closed mortgages as much as 1%, or more. This type of mortgage is typically favoured by those thinking of selling their home, or if they are going to pay off the entire mortgage (i.e. through the sale of another property, an inheritance, etc.).
Closed Mortgage
Closed mortgages grant the security of fixed payments for terms between 6 months to 10 years. The interest rates are significantly less than open mortgages. They can deliver as much as 20% prepayment of the original principal, which is more than the majority of what people prepay on a yearly basis. However, if you want to pay off the entire mortgage before the maturity, there will be a penalty charge for breaking that mortgage. This penalty is customarily three months interest, or the interest rate differential.
The Adjustable Rate Mortgage (A.R.M.)
A mortgage with a lot of flexibility is the Adjustable Rate Mortgage (A.R.M.), particularly chosen when interest rates are going down. The rate is based on prime minus 0.375% and can be changed monthly to reflect the current interest rates. During the first three months of the mortgage, a sizable rebate on the rate is given as a welcoming offer. The mortgage payments usually remain consistent, but the ratio between principal and interest fluctuates. When interest rates go down, you pay less interest and more principal. If rates increase, you pay more interest and less principal. If rates rise substantially, the initial payment may not cover both the interest and principal. Any portion not paid is still owed, or you may be asked to increase your monthly payment. This mortgage is fully adaptable at any time without any penalties to you (providing that you choose a three year term or greater), and offers a 20% prepayment privilege at any time throughout the year.
Equity Mortgage
Equity mortgages are evaluated based on the equity of the home (market value minus the mortgage amount). You can receive as much as 80% of the purchase price or value of the property. These are generally offered to applicants that do not meet the normal income and/or credit qualifying mortgage guidelines (i.e. little or no income verification, self-employed, and/or less-than-perfect credit).
Multiple Term Mortgages
This type of mortgage provides the convenience of the lower rates of a short term mortgage and the security of a long term, in one mortgage. Your mortgage can be split in to as many as five parts, all having different terms, rates, and amortizations, but in one convenient monthly payment. However, you should be aware of any market changes with this mortgage. This type of mortgage is not for everyone, as the amount of time and stress involved is quite high.
The 6 Month Convertible Mortgage
When interest rates go down, or you suspect that they will in the approaching future, a 6 month convertible mortgage gives you a temporary commitment at fixed payments, with the bonus ability that while within the term, the mortgage is fully adaptable to a longer term from 1 year to 10 years. When the 6 month period is over the mortgage becomes fully open, and it can be renewed with the current lender or moved to another lender. This type of mortgage is offered at most financial institutions, but each lender's terms are different.
All-Inclusive-Mortgage (A.I.M.)
This mortgage takes care of everything automatically for you. For Purchases, it includes: Solicitor's legal fees and standard disbursements to close the purchase and mortgage; Title transfer; Title Insurance from LandCanada for the clients; CMHC application fee or Appraisal fee; 1% Cash-Back to cover Land Transfer Tax; Registration of Deed and Mortgage. For Refinances, it includes: Legal fees and standard disbursements to prepare and close the mortgage; Title Insurance from LandCanada; CMHC application fee or appraisal fee; 1% Cash-Back; Registration of new first mortgage; Registration of discharge of existing first and second mortgage. The minimum available is a 5 years term.
Secured Lines of Credit
This allows you to use the equity in your home to purchase investments (where interest costs would be deductible against the earned income), renovate your home, buy a car, etc., with rates as low as prime. Up to 75% of the purchase price or value of the home can be arranged. It is very easy to access the available credit, with many lenders also providing an issued credit and/or debit card. The money does not have to be drawn until you need it, and you can pay off your balance at any time or make monthly payments. As the balance is paid down, there is much more available credit (revolving credit).As it is a secured product, the conventional legal and appraisal fees are applicable. Now and then, there are promotions where a lender will cover part or all of these costs. You should be cautioned that although these lines are very flexible and versatile it can be extremely tempting to use it for unnecessary purchases.
Mortgage Glossary
The costs banks and mortgage companies charge usually include the following:
- Application fee - the money paid to the lender for processing the mortgage documents
- Insurance - homeowner's coverage for fire and casualty to the home
- Origination fee - A fee, often a percentage of the total principal of a loan, charged by a lender to a borrower on initiation of the loan
- Closing costs - The numerous expenses (over and above the price of the property) that buyers and sellers normally incur to complete a real estate transaction.
- Interest - the cost of using the money, based on a percentage of the amount borrowed.
Every lender or broker should be able to give you an estimate of their fees. Many of these fees are negotiable. Some fees are paid when you apply for a loan, and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and total costs. "No cost" loans are sometimes available, but they usually involve higher rates.
Down Payment
The amount of money a buyer needs to pay down on a home is one of the most misunderstood concepts in home buying. Some people think they need to make a down payment of 50 percent of the home's price, but most loans are based on a 20 percent down payment. There are mortgage options now available that only require a down payment of 5% or less of the purchase price. If a 20 percent down payment is not made, lenders usually require the home buyer to purchase private mortgage insurance (PMI) to protect the lender in case the home buyer fails to pay. Ask about the lender's requirements for a down payment, including what you need to do to verify that funds for your down payment are available. Make sure to ask if PMI is required for your loan, and also find out what the total cost of the insurance will be.
1. Amortization
Amortization is the paying off of the mortgage debt in regular installments over a period of time, i.e. 30 years. If you pay the same monthly amount according to the terms of your note, then your debt will be paid in the exact number of years outlined for you. You may, however, make additional monthly payments which are applied directly to the principal amount thus reducing your mortgage term substantially. Understand negative amortization. Some home loans offer attractive monthly mortgage payments but at times those low payments don't cover the interest portion of the loan. When that happens, part of the principal amount is deducted, resulting in what lenders call "negative amortization." Simply put, it means you are losing equity in your home.
2. Interest Rate
The interest rate is the monthly effective rate paid on borrowed money, and is expressed as a percentage of the sum borrowed. A lower interest rate allows you to borrow more money than a high rate with the same monthly payment. Interest rates can fluctuate as you shop for a loan, so ask lenders if they offer a rate "lock-in" which guarantees a specific interest rate for a certain period of time. Remember that a lender must disclose the Annual Percentage Rate (APR) of a loan to you. The APR shows the cost of a mortgage loan by expressing it in terms of a yearly interest rate. It is generally higher than the interest rate because it also includes the cost of points, mortgage and other fees included in the loan. If interest rates drop significantly, you may want to investigate refinancing. Most experts agree that if you plan to be in your house for at least 18 months and you can get a rate 2% less than your current one, refinancing is smart. Refinancing may, however, involve paying many of the same fees paid at the original closing, plus origination and application fees.
3. Discount points
Discount points are prepaid interest and allow you to buy down your interest rate. One discount point equals 1% of the total loan amount. Generally, for each point paid on a 30-year mortgage, the interest rate is reduced by 1/8 (or.125) of a percentage point. When shopping for loans ask lenders for an interest rate with 0 points and then see how much the rate decreases with each point paid. Compare the monthly difference in payments with the total discount points you are willing to pay, and see how many months you need to stay in the home to recoup your money. Points are tax deductible when you purchase a home and you may be able to negotiate for the seller to pay for some of them.
4. Escrow Account
Established by your lender, an escrow account is set up to manage monthly contributions to cover annual charges for homeowner's insurance, mortgage insurance and property taxes. The borrower contributes 1/12 of the annual costs monthly so that the lender will have sufficient money to pay for the taxes and insurances. Escrow accounts are a good idea because they assure money will always be available for these payments.
The credit score is calculated by a statistical process and provides a guideline for lenders to extend credit (and if so, how much) to a borrower. Mortgage companies, banks, and insurance companies determine the interest rate they will charge based on the borrowers credit score. The credit scoring process encompasses both your pay history and the amount of credit you currently have. The credit score is a substantial portion of the entire credit report.
Low Credit Scores will result in higher payments on loans, credit cards, and insurance.
The credit score is sometimes called the FICO Score, which is an acronym for the creators of the FICO score, F air I saac C redit O rganization
Below is a table showing different score ranges
Score Range | Rating |
780+ | Perfect |
720 - 780 | Excellent |
675 - 720 | Average |
620 - 690 | Fair |
Below 620 | Low |
Don't assume that minor credit problems or difficulties stemming from unique circumstances, such as illness or temporary loss of income, will limit your loan choices to only high-cost lenders. If your credit report contains negative information that is accurate, but there are good reasons for trusting you to repay a loan, be sure to explain your situation to the lender or broker. If your credit problems cannot be explained, you will probably have to pay more than borrowers who have good credit histories. Ask how your credit history affects the price of your loan and what you would need to do to get a better price. Lenders now offer several affordable mortgage options, which can help first-time homebuyers, overcome obstacles that made purchasing a home difficult in the past. Lenders may now be able to help borrowers who don't have a lot of money saved for the down payment and closing costs, have no or a poor credit history, have quite a bit of long-term debt, or have experienced income irregularities. There are companies who specialize in consumer credit repair. Back to Top
Calculate Your Mortgage Possibilities
Mortgage Loan Calculator
Use this calculator to determine your monthly payment and amortization schedule.
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Nine Things About Götterdämmerung!
By Tanner DaviesPosted in GotterdammerungBy Nikita Gourski, Development Communications Officer
Deceit, betrayal, and revenge—assisted by magic potions—drive the drama in this final
instalment of Siegfried's journey. Do you need to brush up on your Ring Cycle knowledge or simply want to learn more about our upcoming production? Here are Nine Things About Götterdämmerung!
Wagner's Far-reaching influence
Richard Wagner (1813–1883) is without a doubt one of the most important and controversial artists in human history. His influence extends far beyond music and has touched all aspects of modern culture, from literature, poetry, fine arts, and cinema, to literary theory, politics, philosophy, and more. Renowned music critic Andrew Porter has claimed that "No artist has been more influential than Wagner."
The Ring Cycle comes to a close
Der Ring des Nibelungen, Wagner's massive cycle comprising four interconnected operas, took approximately 26 years to compose. Music critic Alex Ross has pointed out that the Ring's entire score is "more than two thousand printed pages [and if the music were played from beginning to end] would last from morning until midnight… arguably, the most ambitious work of art ever attempted." The COC opened its opera house, the Four Seasons Centre for the Performing Arts, with the Ring Cycle in 2006 and more recently presented three of the Ring's four operas over consecutive seasons: Die Walküre (2015), Siegfried (2016), and Götterdämmerung (2017).
It's the end of the world
In Götterdämmerung, which translates to "Twilight of the Gods," the multi-generational epic that began with Wotan's theft of a magic ring—precipitating a curse and prophesy of doom—comes to a stunning resolution that sees the world of gods and humans falling to the flames of destruction. Yet the end is also the beginning, as the opera leaves open the possibility of rebirth and renewal, and perhaps a better world to be remade from the debris of our faults.
Text backwards, music forwards
In one sense, Wagner wrote his Ring Cycle "backwards," starting with the end of Götterdämmerung and elaborating the events that took place before its conclusion. Once he had the text of the narrative written, he began to compose the music going "forwards." Yet the process wasn't as linear or simple as the music fitting to an unchanging textual mould. Over time—more than two decades of work—Wagner's philosophical outlook, musical style, and worldview all went through significant, sometimes intense, changes; the text was altered and revised, reduced and expanded, revised again, becoming layered with the accumulated history of a shifting psyche and an evolving personal and political consciousness. Most notably Wagner experimented with many variations on Götterdämmerung's ending, which ran the gamut from uplifting optimism, in its initial incarnation, to later expressions of resigned fatalism. Ultimately he settled on an option of rich ambiguity, prioritizing musical expression over any definitive textual summation: "[Understanding the opera's conclusion] is more a matter of feeling than of subtle arguments… I have once again realized how much of the work's meaning is made clear only by the music."
The pinnacle of Wagner's art
Götterdämmerung features some of the most complex and riveting music in the operatic repertoire, including Siegfried's "Funeral March"—an orchestral showcase which offers a musical retrospective of the Ring itself—as well as Brünnhilde's famous "Immolation" scene, a powerful aria in which she restores order to the world and joins Siegfried on his burning pyre in an act of profound sacrifice.
A debut for Johannes Debus
With this production, COC Music Director Johannes Debus conducts his first Götterdämmerung. During our recent multi-season exploration of the Ring Cycle, Debus has been at the podium for both Die Walküre and Siegfried, earning extensive acclaim for his work. "A piece like Götterdämmerung is far more universal than I expected. That's the thing that surprised me. We all know that Wagner was highly interested in Greek tragedy. And that's what he goes back to—those really elementary everlasting human questions. At the end of the opera, as depressing as it has been, you can see a sign, I think, that says, 'Hope. …'"
A highly acclaimed production
Director Tim Albery's vision for Götterdämmerung was first presented by the COC in winter 2006, and then in fall 2006 as part of the company's full Ring Cycle. It has been called "as stunning a feat of staging as [has been] seen in Toronto" (National Post), with critics singling out that "the great virtue of Albery's production is the urgency and absolutely clarity of the storytelling" (Opera News), while also noting the presentation as a whole represents "the COC's proudest hour" (Globe and Mail).
Visual language of the modern
The production designer Michael Levine worked on all four COC Ring operas, acting as a unifying architect of the cycle and giving it a coherent visual progression from opera to opera. He sets Götterdämmerung in a world that is recognizably ours, sleekly corporate and computerized, with business suits and modern dress. Yet the use of space and shadow, the dramatic lighting by designer David Finn, also produces an undercurrent of strangeness, as if this is a world that touches ours but simultaneously remains of another realm entirely.
A generation-defining cast of voices
American soprano Christine Goerke as Brünnhilde
"Everything a great Brünnhilde must have: dignity, stature, and a voice of molten gold" (Toronto Star); "a once-in-a-decade experience" (Globe and Mail)
Austrian tenor Andreas Schager in his COC debut as Siegfried
Establishing himself as one of the world's leading heroic tenors: a "discovery" (The Arts Desk) and "a big star in the making" (The Independent)
German baritone Martin Gantner as Gunther
Internationally renowned at the world's most important opera houses, such as Bayerische Staatsoper, Opéra National de Paris, Opernhaus Zürich, Metropolitan Opera, etc.
Estonian bass Ain Anger in his COC debut as Hagen
"One of the great opera basses of our time" (The Guardian) makes his Canadian and role debut
Canadian bass Robert Pomakov as Alberich
"A talent to watch" (Washington Post)
Canadian soprano Ileana Montalbetti as Gutrune
COC Ensemble Studio graduate, whose performance as Ellen Orford in the COC's Peter Grimes (2013) was "in the realm of greatness" (Toronto Star)
Götterdämmerung is on stage at the Four Seasons Centre for the Performing Arts from February 2 to 25. For more information and to purchase tickets, click here.
Photo credits (top - bottom): (l-r) Robert Pomakov and Ain Anger in Götterdämmerung (COC, 2017), photo by Michael Cooper; (l-r) Lauren Eberwein, Danika Lorèn and Lindsay Ammann in Götterdämmerung (COC, 2017), photo by Michael Cooper; (l-r, foreground) Christine Goerke, Andreas Schager and Ileana Montalbetti in Götterdämmerung (COC, 2017), photo by Michael Cooper; Ain Anger (far left) in Götterdämmerung (COC, 2017), photo by Michael Cooper.


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Eclipse2024.org's 2023 Annular Eclipse Community Page for Lexington, Kentucky
Here, you'll find all the information we've been able to find for Lexington, as they prepare to host visitors to view the great annular eclipse of October 14, 2023!
Eclipse2024.org does not endorse or approve any viewing sites or events related to the 2023 eclipse. The information on this page has been provided by the individuals, companies and/or communities represented, and has not been validated, substantiated, or confirmed by Eclipse2024.org. Selection of a suitable viewing site and selection of events to attend, including due diligence, weather, infrastructure, travel, logistics, and safety considerations, is solely the responsibility of the eclipse observer and of the individuals, companies, and communities whose information appears on these pages. No relationship exists between Eclipse2024.org and any individual, company, or community, nor may any such relationship be inferred to exist, by virtue of any information included on this page. All information on Eclipse2024.org's Community pages is provided "as is", with no warranty or guarantee as to suitability for viewing the eclipse, suitability of any event associated with the eclipse, or preparedness by any individual or entity in any fashion to receive or host visitors.
*All times shown are calculated for the lat/long specified above, and are accurate to within a couple of seconds, due mainly to influences of the "edge effects" at the start and end of annularity. For a more detailed explanation of this, please see the "About Accuracy" section of this great 2017 eclipse page by Ernie Wright of NASA!
These calculations were performed using a value of ΔT=69.2s.
Please also note that these times have been converted from UTC; if you see times that say "UTC", "UT", or "GMT", those are NOT the local times for you in Lexington!
Finally, please see our page about calculating eclipse times to the tenth of a second.
Map of Lexington and vicinity
Current Weather Forecast for Lexington
Visit our "Weather" links for other great cloud cover forecast maps!
The eclipse in Lexington will be partial (with magnitude 55%).
(Get your eclipse glasses here – you MUST have them to safely view the eclipse!)
First, we'd suggest you contact local Chambers of Commerce and/or Town/City Councils
for the locations you're interested in.
Next, check out eclipse viewing and event plans that have been sent to us by officials of Lexington!
Official Plans for viewing the eclipse from Lexington:
No plans have been submitted to us yet.
If you are an official of Lexington, who is responsible for Eclipse2024 public outreach,
please send us information about your community's 2023 eclipse plans –
so we can share it here with everyone!
Please contact us if you have questions about anything related to the Eclipse2024.org Community Pages.
And please be sure to check out Dr. Kate Russo's excellent resources on eclipse planning!
Her two white papers are world-class resources you MUST read. You'll find them at her Eclipse Community Planning page!
Eclipse2024.org encourages everyone to get into the path of annularity on eclipse day!
(And make sure to have enough eclipse glasses on hand for everyone!)
See Eclipse2024.org's eclipse simulator for Lexington
Opens the amazing, full-featured eclipse2024.org eclipse simulator, to show you exactly what the 2023 eclipse will look like!
(If this is your first visit, you'll want to open the Eclipse2024.org Eclipse Simulator Instruction page first!)


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To the editor:
Chris Hubbards parking op-ed (Citys parking policy encourages vehicle usage, July 29, 2010) makes an excellent point about increasing the cost of driving by jacked-up parking meter rates translating into increased transit usage. He then cites the King Street trolley as an example. But what should give readers pause is what he didnt say.
When the King Street trolley first started in April 2008, it ran every 15 minutes from 10 a.m. until 11:30 p.m. Then, when the budget crunch hit, City Hall scaled it back to its current every-20-minutes schedule from 11:30 a.m. until 10:10 p.m. If the city was really serious about increasing parking meter rates to divert traffic to transit, City Hall would have returned the trolley to its original schedule coincident with the parking meter rate increase.
The citys failure to do so means that, instead of risking waiting for almost 20 minutes each way to catch the next trolley, Old Town visitors will go elsewhere because parking is too expensive and cumbersome. The parking meter rate increase instead will translate into reduced customer traffic for Old Town businesses and accordingly reduced tax revenue.
Frankly, a 75 percent increase in the middle of the worst downturn since the Great Depression was not only too much to increase parking meter rates at once, but without countervailing improvements in trolley frequency, bald-faced gouging.
Dino Drudi


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AD-S17 Godox Wide Angel Diffuser Dome for Witstro AD200/AD200Pro
AfterPay & Zip Pay
Ships from Melbourne
Click & Collect ready in minutes
Pickup available at Shop A 328 Johnston Street
Usually ready in 1 hour for in stock item
View store infoAD-S17 Godox Wide Angel Diffuser Dome for Witstro AD200/AD200Pro
Shop A 328 Johnston Street
Pickup available, usually ready in 1 hour for in stock itemShop A 328 Johnston Street
10AM-4PM Weekdays
Abbotsford VIC 3067
Australia+61-491 202 701
Key Features
- Soft, Shadowless, Omnidirectional
- 180-Degree Beam Spread
Wide Angle Diffuser
Domed diffuser offers 180 degrees of coverage.
Soften the direct light to create diffused light.
Model: AD-S17
Diameter: 12cm
Included Item List
1 x Godox AD-S17 Diffuser Dome
Shipping Service & Delivery Time
All on-line orders will be sent to you by Australia Post nation wide (* Due to Parcel length and weight limitation, odd shaped items will be delivered by Pack & Send Courier Service ).
We aim to ship within 24Hrs in our working days for all in-stock items.
We try our best to reflect the accurate stock level on our website but you may email us at email@example.com or call us at 03-9417 1182 to check whether the item is in stock and request the fastest shipping option available.
Bank Deposit Checkout
Please kindly note that check out made by Bank Deposit Method may take up to 3 Business Days and we can only ship once the money reaches to our bank account.
Free Shipping * Minimum Order $100 (Except for Heavy and Bulky Items)
Flat Rate Shipping Fee $9.50 for Under $100 Order
For all order items total weight up to 2.5Kgs are being delivered by Australia Post Regular Parcel Post ( with Tracking Number ) and may take 2-6 business days.
Odd Shaped Item and Weight More than 1.5Kg Items
These items will be delivered by Pack and Send courier service Australia wide http://www.packsend.com.au and it will take 2-6 working days delivery time.
Express Shipping
If you need your item urgently, you may use Australia Post or Pack & Send Express Parcel Post Service ( may take 2-3 business days ) as your preferred shipping method when check out.
Genuine Australian Products with Australian Warranty, NO GREY IMPORTS!
Arahan Photo ( El` Dorado Digital Mart P/L) provides a Product Warranty identical to the provisions and limitations of the manufacturer's warranty for all items sold here, with the exception of the time period, which is equal to one (1) year from the date of purchase.* Your dated Arahan Photo ( El` Dorado Digital Mart P/L) Tax Invoice is all you need to obtain warranty coverage from Arahan Photo ( El` Dorado Digital Mart P/L) for a product purchased from us.
* Arahan Photo ( El` Dorado Digital Mart P/L) will not be responsible for any consequential or incidental damage resulting from the sale or use of any merchandise purchased from us.
* Arahan Photo ( El` Dorado Digital Mart P/L) liability is limited to the monetary value of the merchandise.
* Customer is responsible to pay for the shipping fee and other cost related to repair, exchange and return item.
The warranty does not apply to any of the following:
- Defects or malfunctions caused by improper care, misuse or abuse of the product,
or operation of the product contrary to the instructions contained in the owner's manual.
- Damage or defect caused by accident, leakage of batteries, sand, solid, liquid and the like.
- Damage caused by any modification or servicing performed by person(s).
- Accessories, including bulb, batteries, cover, caps and AC adaptor, and other consumables.
- Any electronic data loss due to malfunctioning or repair of the product.
- Any consequential or incidental damages resulting from any breach of warranty, express or implied, applicable to the product.
- The serial number on the product has been altered, or removed.
15 Day Refund & Exchange !
Faulty, Damage or Defective item due to shipping may be exchanged or refunded at our discretion for the same model or manufacturer's equivalent model.
If the item was sent back for an exchange, please allow 3-5 working days for the replacement to be processed.
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Refunds on returned items will be issued in the same payment form as tendered at the time of purchase.
Once we receive and after the inspection, we will credit your account.
Please allow 3-5 working days for this process.
To request a refund for any reason it must be declared to us within 3 days of delivery, this will be reviewed and if approved a restocking fee will apply.
Restocking Fee: 5% of the return item value.
Customer will have to pay any freight and insurance costs for returned item.
Please read all conditions below. If conditions are not met,
Arahan Photo ( El` Dorado Digital Mart P/L) reserves the right to refuse the exchange or refund.
- All exchanged or refunded items must be in new condition, in their original box, and must include all packing material, blank warranty cards, manuals, and all accessories.
- is not responsible for personal data or items left in returned merchandise.
- is not responsible for any consequential or incidental damage resulting from the sale or use of any merchandise bought from us. We are responsible for the monetary value of the merchandise only.
Arahan Photo (El` Dorado Digital Mart Pty Ltd) respects your privacy. We will not share or use your email address, shipping address and mobile number for any other purpose. We will only use information you provide to proceed and fulfil your order.
Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide us information in connection with the Service,you agree to provide accurate, complete and true information.
You agree not to use a false or misleading name or a name that you are not authorised to use. If we, in our sole discretion, believe that any such information is untrue, inaccurate or incomplete, we may refuse you access to the Service.
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The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard for organisations that handle credit card and debit card information. Defined by the Payment Card Industry Security Standards Council, the standard was created to increase controls around credit card data to reduce credit card fraud via its exposure.
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When visiting a page on our site that includes any of your personal information, the bottom of your browser window will display, an icon of a closed lock or an unbroken key (depending upon your browser). This indicates that you have successfully connected with our secure server.
To authenticate the security of your connection before submitting any of your personal information, you can double click on the icon to display our digital certificate.
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Preliminary GA Meeting, Park-Hotel "Sankt Peterburg"3
1The registration will take part during the whole day in the lobby of "Novotel Plovdiv".2 Breakfast, Lunch and Dinner are served in the hotel restaurant indicated on your badge.3 Meetings of GA will take place in the Conference Hall of Park-Hotel "Sankt Peterburg".
ISC Meeting5
21:00 - 22:00
First GA meeting - preparation and translationof the tasks for the first contest day, "Sankt Peterburg"Conference Room & Translation Room6
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Clarifications (2 hours)7
IOI Conference - First Day (from 10:00)
IC meeting
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7 Clarifications will take place in the Conference Hall of "Sankt Peterburg".8 Checking the results will take place in the Translation Room.
IC & ISC meeting
ISC meeting
Clarifications (2 hours)
IOI Conference - Second Day (since 10:00)
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Considering appeals
Fourth GA Meeting
Dinner and Disco Party
VIP Dinner, Restaurant "Puldin"
ExcursionSofia -the capital ofBulgaria,National Assembly of the Republic of Bulgaria,St. Alexander Nevsky Cathedral,National Museum of History


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text:
OnPoint: What Andrew Geddis Said, But Shorter and With More Swearing
235 Responses
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Good on you Keith. Well put. I felt that from here.
What next? The authorisation of arbitary arrest by the GCSB with no resort to the courts for a writ of Habeus Corpus allowed?
This is dangerous, dangerous Star Chamber stuff – the use by an inner circle of executive power to suppress opposition to government policies is exactly what that body was for. Any extraordinary power that allows the executive to override the law is completely incompatible with, and an explicit threat to, the rule of law and thus the liberty of us all.
Honestly, this is the sort of behaviour that has already caused one civil war and seen one king lose his head, although such is the Stuart levels of arrogance, ignorance and stupidity being reached by this government I would doubt they even know that. I hope that as the outrage grows Key, Joyce, English and Collins all start to feel their necks nervously.
G-G is the only "check" in the system, but he's only a figurehead. we could have an aussie-style GG coup, but... party man. oh, there's also the select committee system but 'urgency'.
might be time to refer to my recent reading - colin crouch. flax-roots democracy has withered, and "democracy" has become a facade. we vote for people to make decisions for us, so we are entirely dependent on them to act in our interests. but they act on behalf of the people who put them in power - their funders.
and the people just don't care. they have all the toys they want, and the media is 100% compliant.
enjoy your soylent green people.
(oh, PS. not sure that the HRC will be kicking up a fuss.)
Is this a legitimate case for the GG to refuse to sign this into law?
No. We still get an election 18 months.
Bonus points: Actually, the Governor-General is the other check in the system.
The GG is not a check, and nor are they meant to be - they are a rubberstamp. The idea of an unelected representative of a foreign power acting against the advice of the elected government and purporting to veto our legislation is at least as troublesome as what Parliament has done here.
First they came for the caregivers of children with disabilities and I said nothing...
I remember this case working its way through the Human Rights Review Tribunal way back when I worked for the HRC, with the Crown Law reps cock-blocking all the way. Mad bitchfacing action. And that was under Labour. I seem to recall (happy to stand corrected) that they threatened even then to just bypass the Tribunal result with legislation. So much for our democratic recall. Fuck this fucking bullshit.
Well said, Keith. This is scary stuff, and we can't just stand by and say nothing.
This is wrong on so many levels:
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What is the most practical path to challenge this? Is the most likely path to try and get the Supreme Court to rule the legislation illegal on the grounds it breaches the bill of rights (1990) and by breaching that it also breaches the Bill of Rights of 1689? That might be to long a bow, and I suppose it could trigger a constitutional showdown between the government and the supreme court. I am frightened to imagine how far this government of increasingly confident casual fascists would go if challenged on the constitution by the courts.
Bart Janssen, in reply to
We still get an election 18 months.
And if my father-in-law is any indication that won't help. My father-in-law is a nice reasonable sensible man, some of his attitudes are "of his age" but otherwise reasonable. And he won't vote Labour because of The Greens. In short he will support this bunch of selfish arrogant thieves because he thinks The Greens are too loony.
So no, this kind of disgusting self serving theft of the human rights of those caring for disabled will continue after the next election unless somehow The Greens can convince my father-in-law that they won't behave like a bunch of loonies.
And Tze Ming is dead right, this abuse of those who care for their disabled children ... yeah that's right we are talking about men and women who give up everything to care for their child rather than just dumping them into state care ... those people who deserve the greatest possible support are going to be fucked over by both Labour and The National parties. Neither party really care about the "rule of law" let alone human rights.
Think about that when you call Mr Key or Mr Shearer "nice men". That isn't how "nice men" actually behave.
Sacha, in reply to
I'm appalled by the sheer childish shittiness of this response to a decade of hard-fought court cases. Oh how their mothers must be proud of these cabinet Ministers for stealing the lunch of the slow kid in the playground. What character.
Let's vote for good people instead, shall we. And demand they show some resolve about abuses like this in the meantime. This law should not stand.
Rich of Observationz, in reply to
The GG is not a check
Firstly, no monarch or governor-general of an independent Commonwealth realm has vetoed a bill in 300 years.
Secondly, it's quite plausible that vetoing a bill, like most of the other things a G-G does or doesn't do, gets exercised on the advice of ministers, not autonomously.
Thirdly, the G-G is in office at the pleasure of the PM. If they vetoed a bill, we'd have a new G-G tomorrow. The PM could even appoint themselves as G-G and avoid the problem.
Fourthly, (this is a problem with any system that purports to use a person as a constitutional check, including an elected presidency) why would you assume the G-G opposes the measure? He's a retired army officer appointed by the current government.
We should stop pretending that faeries in palaces form a check on overbearing government and get ourselves a written constitution with an entrenched Bill Of Rights. While we're at it, we should also include the Treaty, socio-economic and community rights.
Sacha, in reply to
Think about that when you call Mr Key or Mr Shearer "nice men". That isn't how "nice men" actually behave.
Snap. And they wonder why people vote for other parties.
Sacha, in reply to
unless somehow The Greens can convince my father-in-law that they won't behave like a bunch of loonies
Get him to watch Russel Norman on Q&A yesterday talking economics with style and force of logic. Nothing scary at all. Guy even wears a suit.
Che Tibby, in reply to
We should stop pretending that faeries in palaces form a check on overbearing government and get ourselves a written constitution with an entrenched Bill Of Rights.
good luck getting the turkeys to vote for xmas
Thanks for your outrage. Keith, but such public policy treatment of disabled people and their families is just par for the course if you look back over the last century or so. Where was the public interest as this case wound through the courts over the last decade – or while we waited for the last year after the victory for some announcement? Or the current case whereby the IHC is trying to interest the Office of the Human Rights Review (headed by Robert Kee) in taking up the case whereby disabled children are excluded from schools and the education system all over the country. And what about the case for a government apology for institutionalisation?
Even though disabled people make up about 20% of the population and the likelihood that everyone will probably either require care or be a carer sometime in their adult life, we have no academic departments focussed on disability policy. There appears to be no specialist disability input into the Constitutional Review, just as it was overlooked in the Welfare Working Group's work. The latest review of the latest residential care abuse case will be headed by someone with no background in disability.
Just occasionally it briefly crosses over into the mainstream. So we can thank the government for achieving this with the Budget announcement (and by the way Green MP Catherine Delahunty blogged about its implications almost immediately).
Rich of Observationz, in reply to
Tom, none of that works against a determined government. Parliament is sovereign and can override any previous legislation, including the 1689 Bill Of Rights.
To illustrate what our unconstitution allows, you might think that there must be an election in 18 months and that's entrenched? Nah. The government could, in response to a 'crisis', pass a CERA-style measure allowing it to raise taxes and legislate by edict, prorogue the now redundant parliament and continue in office indefinitely. The parliamentary term would end, sure, but the government could just prevent any election from taking place and a new parliament being summoned.
Sacha, in reply to
ust as it was overlooked in the Welfare Working Group's work
Worse, having a rehab specialist on the committee made sure the only focus was getting people *back* to work after an accident, not into a job if they never had one.
Disability organisations somehow completely failed to see that coming and work together to counter it. Until the quality of community advocacy improves enormously, we will continue to be weak targets for bullies of all stripes.
Sacha, in reply to
not sure that the HRC will be kicking up a fuss
Bit unfair. He's only involved once it gets to the stage that Hilary mentioned of taking a case. Commissioners have already come out in media against this latest development.
Fooman, in reply to
Firstly, no monarch or governor-general of an independent Commonwealth realm has vetoed a bill in 300 years.
I had a conversation with someone who knows a fair bit about Governers General on a similar topic, and they noted that it isn't so much a formal refusal to sign, but governments, after "reflection" decide not to proceed with assent, if something is not sitting quite right.
This has happened at least once in a realm, if I recall correctly.
There is an increasing amount of idiocy coming out of Parliament, this bill, the protest at sea one, the GCSB, etc. Unfortunately I have no faith, and worse no hope, that Labour would be doing anything noticeably differently. Rather like the clusterfuck that the Auckland Council's Draft Unitary Plan is finally being recognised as being, it seems that the only way through all this is to start again with a better bunch of politicos. That means some people are going to have to give up their lives to be those politicians and a whole heap of the rest of us are going to have to fall in behind supporting, organising and keeping them on track. Rather like how all good causes originally started.
Is anyone up for this, or will wide screen tvs and iPhones rule the day?
Tom Semmens, in reply to
Stop giving them ideas. BTW, I think we should be a republic with a written constitution. However, I think including such things as the treaty, socio-economic and community rights in a written constitution simply makes a wordy mess that locks everyone into the values and interests of a certain era. What is your worthy community right today becomes tomorrows pain in the neck right to bear arms. Just enshrine the key legislation that guards the liberty of the subject and the mechanics of peroguing the house and calling elections and leave the rest to legislation.
Does anyone know why the redacted parts couldn't be got by an OIA request?
Rather like the clusterfuck that the Auckland Council's Draft Unitary Plan is finally being recognised as being
What exactly is your beef with the DUP? It is the result of wide consultation and is being widely consulted on again. The manipulative dishonesty of it's opponents and the disingenuous outrage being generated is a poster child for why democratically elected governments increasingly seek autocratic and authoritarian governance solutions. If you genuinely consult, these days you just end up with your political opponents using the opportunity granted to them to run hysterical campaigns against you.
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