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Statutory Rules 2003 No 368
Issued by the Parliamentary Secretary to the Treasurer
Corporations Act 2001
Corporations Amendment Regulations 2003 (No. 10)
Section 1364 of the Corporations Act 2001 (the Act) provides that the Governor-General may make regulations prescribing matters required or permitted by the Act to be prescribed by regulations or necessary or convenient to be prescribed by such regulations for carrying out or giving effect to the Act.
The Financial Services Reform Act 2001 (FSRA) commenced on 11 March 2002. It amended the Act to introduce a uniform licensing, conduct and disclosure regime for financial service providers. Under the FSRA, a two-year transition period was established to allow time for existing industry participants to enter the new regime.
The purpose of the Regulations is to support the reforms to the regulation of the financial services industry which were implemented in the FSRA and associated legislation. The Regulations facilitate transition to the new licensing, conduct and disclosure arrangements and promote certainty, clarifying, where necessary, various provisions under the FSRA.
The Regulations include amendments that:
• improve the operation of the disclosure regime, including providing practical relief from the Financial Services Guide requirements when advertising though the mass media;
• specify a number of things that are not financial products; and
• provide conditional exemptions from the FSRA licensing regime.
Details of the Regulations are set out in the Attachment.
Regulations 1 to 3 and Schedule 1 commence on gazettal and Schedule 2 commences on 11 March 2004. To address varying degrees of necessity for transitional arrangements, the deferred commencement of Schedule 2 allows sufficient time for industry to address any systems or administrative changes required to effect the operation of the new arrangements.
Regulation 1 provides that the name of the Regulations is the Corporations Amendment Regulations 2003 (No. 10).
Regulation 2 provides that regulations 1 to 3 and Schedule 1 commence on gazettal and Schedule 2 commences on 11 March 2004.
Regulation 3 provides that Schedule 1 and Schedule 2 of the Regulations would amend the Corporations Regulations 2001 (the Principal Regulations).
Schedule 1- Amendments commencing on gazettal
Item 1 Definitions of medical indemnity insurance product and medical practitioner - substituted subregulation 1.0.02(1)
As part of the Australian Government's announced medical indemnity package, the Principal Regulations were amended on 12 June 2003 to ensure the application of the Financial Services Reform Act 2001 (the FSR Act) to contracts of medical indemnity insurance. In particular, the regulations ensure that retail client disclosure rules apply to such products, where the Medical Indemnity (Prudential Supervision and Product Standards) Act 2003 (the Act) apply if the product is purchased by certain health care professionals prescribed by the regulations namely medical practitioners and registered health professionals. The regulations, which commenced on 1 July 2003, apply from the earlier of the date an Australian financial services licence (AFSL) is obtained and 11 March 2004.
It has since become apparent that the scope of the Principal Regulations is potentially slightly misaligned with the Act in two respects. Firstly, the application and definition of `medical practitioner' in the current regulations do not account for the fact that some arrangements affecting certain medical practitioners are currently carved out of the Act as a result of separate regulations made under paragraph 8(2)(e) of the Act. Secondly, the definition of `medical indemnity insurance product' does not countenance that certain arrangements that would constitute `providing medical indemnity cover' under section 5 of the Act are excluded from the Act, again under regulations made under paragraph 8(2)(e) of the Act.
The net effect is that providers of certain types of medical indemnity arrangements that are prescribed in regulations under the Act, could yet be subject to the requirements that the Act imposes on those who provide general insurance products to retail clients.
Item 1 of the Regulations would overcome the potential misalignment. It replaces the current definition of `medical indemnity insurance product' at subregulation 1.0.02(1) with a new definition. The new definition ensures that the relevant FSR Act requirements must be fulfilled only in respect of arrangements that are not excluded from the application of the Act, where those arrangements are provided to the prescribed health care professionals.
Item 2 Specific things that are not financial products - Credit Facility - new subparagraphs 7.1.06(1)(a)(iv), (v) and (vi)
The amendment clarifies the scope of the credit facility exemption by including a `predominant purpose' test. It ensures that products that provide both credit and deposit facilities (for example, a credit card facility into which deposits may be made) under a single financial product are included in the credit facility exemption, provided they satisfy the test.
Section 765A of the Act lists specific things that are not financial products for the purposes of Chapter 7. This includes, at subparagraph 765A(1)(h), any credit facility as defined by the regulations. Regulation 7.1.06 defines "credit facility" and in doing so, specifically excludes any deposit-taking facility made available by an Authorised Deposit-Taking Institution (7.1.06(1)(a)(iv)).
The aim of regulation 7.1.06(1)(a)(iv) was to ensure that the "credit facility" exception could not be used to exclude a facility on the basis of an argument that it is in essence a credit facility where the relevant bank is the borrower. For example, a deposit with a bank might be viewed as a credit facility because the bank incurs a deferred debt to the borrower.
This presents a problem for products that provide both credit and deposit facilities under a single financial product. Such products maybe regarded as a "financial product mentioned in paragraph 764A (1)(i) of the Act" and hence would be excluded in total from the benefit of the "credit facility" exemption.
The amendment addresses this problem by introducing a "whole or predominant purpose" test. That is, where a product provides both credit and deposit facilities within a single financial product, the test will determine whether or not the product falls within the credit facility exemption. However, the amendment would only provide relief in relation to an offering that constitutes a single financial product where the whole or predominant purpose of which is the provision of credit. It would not, for example, apply in relation to an offering involving two separate (albeit possibly linked) financial products, one of which is a credit facility.
Item 3 Specific things that are not financial products - Credit Facility - substituted paragraph 7.1.06(1)(f)
The amendment ensures that the limitations applying to unsecured credit also apply to secured credit. That is, a mortgage falls within the credit facility definition provided it is not, for example, a facility for making a financial investment.
The amendment results in both secured and unsecured credit (see Item 2) being subject to the operation of proposed paragraph 7.1.06(1)(a). The amendment also removes the words "provision of as they limit the application of the exemption to the provider of a mortgage, that is, the borrower over whose asset a mortgage is placed.
Item 4 Arrangements for certain financial products that are not credit facilities - amendment to subregulation 7.1.06A(1)
The amendments to subregulation 7.1.06A(1) are consequential to the amendments to regulation 7.1.06.
The amended subregulation provides that for any financial product which is excluded from the credit facility exemption due to the application of subparagraphs 7.1.06(1)(a)(iv), (v) or (vi) and the new 7.1.06(1)(f)(ii), (iii) or (iv) (and is therefore still a financial product):
a. The debtor rather than the credit provider is taken to be the issuer;
b. dealing (eg. issuing) by the credit provider is not the provision of a financial service; and
c. advising the borrower is also not the provision of a financial service.
Item 5 Specific things that are not financial products: electronic funds transfers - new regulation 7.1.07G
The regulation provides an exemption from the FSR regime for electronic funds transfer facilities such as telegraphic transfers and international money transfers provided by ADIs and remittance dealers.
New regulation 7.1.07G provides a specific exemption from the FSR regime for facilities whereby the issuer, on the instruction of the client, makes money available to a person nominated by the client. The exemption is limited to ADIs and to operators of payment systems. "Payment system" is defined under the Payments Systems (Regulation) Act 1998 to mean "a funds transfer system that facilitates the circulation of money, and includes any instruments and procedures that relate to the system". The exemption is expected to be available to recognised remittance dealers supported by a single back-office network but not for example, to informal remittance dealers. Such informal remittance dealers, which may depend on a series of agency or other relationships to affect a transaction, represent a greater risk to consumers.
The exemption only covers facilities that are of a "one-off' nature. It does not cover standing arrangements to make multiple transfers of funds. Furthermore, the exemption only applies to facilities which are short-term in nature. Specifically, the exemption requires the issuer to do all that is reasonably required to be done to complete the transaction within 2 business days, subject to any constraints imposed by law.
Item 6 Aggregation of amounts for the `retail-wholesale' test - new regulation 7.1.17B
This regulation is designed to improve the practical operation of the `price-value' test by allowing the aggregation of amounts from connected entities. Under subsection 761 G(7), one of the tests for determining if an investor is to be treated as a `wholesale' client is whether the particular service involves an investment of more than $500,000.
A practical issue arises if a person makes an overall investment of $500,000 at the same time but through different entities for accounting, legal, tax or other purposes. Even though the same person invests $500,000 overall, these investments individually do not meet the required threshold for being treated as a wholesale client.
For the purpose of determining whether the price or value of the financial service exceeds the threshold for a wholesale client, the regulation allows the aggregation of related transactions at or around the same time.
Item 7 Once wholesale, always wholesale - substituted paragraph 7.1.27(1)(a)
The amendment modifies an existing regulation. It provides practical relief to custodial and depository providers to ensure they do not need to continually verify a client's `wholesale' status. Regulation 7.1.27 allows a holder of a financial product to be treated as a wholesale client for the life of holding a product if when it was acquired they satisfied the definition of being a wholesale client. This removes the need for the licensee to continually monitor that client's current status as wholesale or otherwise.
If a product issuer continues to be able to treat the client as `wholesale', even though the value of the product falls below $500,000 at a particular point in time, then persons offering associated financial services to the issued product should also have access to the same treatment. An example is a custodian related to the issuer that provides custody services to the client. The regulation results in the custodian not being required to issue a Financial Services Guide to the client (but would still need to be licensed or authorised to provide the custodial service).
However, this relief is limited in line with the intent of the original provision. Where a person receives a financial service such as advice in relation to the product from someone other than the product issuer or custodian, they may be a retail client for that advice if the value of the product is below $500,000 at the time the advice is provided.
Item 8 Circumstances in which a person is taken not to provide a financial service - amendment to paragraph 7.1.29(3)(e)
Regulation 7.1.29 specifies certain activities that do not constitute a financial service, including advice on transferring financial products. It is currently limited to `related body corporates'. The amendment makes a technical adjustment to ensure the relief from licensing for advice in relation to the transfer of a financial product is not unduly limited and is available where there is a broader connection between the parties.
The amendment replaces the limitation `related bodies corporate' with `associates' which would for example, allow relief in circumstances such as when a person transfers shares into their own private company or to their family trust.
Item 9 General advice - substituted paragraph 7.1.33B(1)(b)
Regulation 7.1.33B deems the licensed distributor of a financial product, rather than the product issuer, to be the provider of `general advice' under the FSR Act. The amendment recognises that a licensed product issuer is the provider of the general advice, not the licensee distributor.
The existing regulation is intended to avoid a product issuer having to be licensed merely to provide information through a distributor licensee. This is because while the product issuer may prepare information that constitutes general advice, that advice is provided to the consumer through a licensed person who distributes the product. This relief is not required when the product issuer is itself licensed to give general advice.
This amendment should not reduce disclosure, as the product issuer would be authorised to provide the advice and would need to disclose information in documents such as the Financial Services Guide concerning relationships with its product distributors.
Item 10 School Banking - new regulation 7.1.33F
Regulation 7.1.33F provides that a person is taken not to provide a financial service in relation to a `school banking product' where that person is either employed by a school or acting on behalf of a school (for example a parent who works on a voluntary basis). The regulation applies only in relation to general advice and only if the person does not receive any financial benefit for providing the service.
The circumstances relevant to school banking are those in which an ADI distributes information and application forms for its school banking deposit accounts through a school. Specifically, the role that teachers and parents or volunteers may play in the distribution of this information. In the absence of a specific exemption, such persons could be considered to be providing a financial service as a representative of a bank.
• For these purposes school banking product means a product that does not charge any regular account keeping fee and is offered for issue to pupils of a school.
School banking products are relatively simple products with no entry or exit fees. They are often distributed by banks with the assistance of school staff, parents and volunteers. The role of such people is generally limited to distribution of printed information and application forms and some general information about the benefits of saving and banking money. The amendment exempts such persons from the FSR regime, provided they receive no financial benefit for the service.
Banks that provide school banking products through schools generally offer commission payments and/or other benefits to the school as part of the arrangement. These payments can for example, be calculated on the basis of the number of accounts issued through the school. Under the regulation, the Product Disclosure Statement for the product would be expected to disclose such payments or other benefits that schools or their associates may receive in connection with the issue of a school banking product.
Items 11 and 12 Lawyers and FSR - new regulations 7.1.35A and 7.1.40(g)
The amendment supports existing provisions of the Act to exclude a limited range of activities conducted by lawyers in their ordinary course of duties.
Under subsection 766B(5), advice given by a lawyer does not constitute financial product advice if provided in their ordinary course of duty as a lawyer. However, lawyers providing ordinary services to their clients may go beyond financial product advice and given the wide definition of financial services under the FSR Act, may in fact amount to arranging or dealing. Examples include:
• holding monies on trust (custodial and depository services);
• negotiating a share transfer (arranging); and
• organising an insurance cover note after the conveyance of a property (dealing).
Having regard to Parliament's intention to exclude lawyers from the regime in relation to financial product advice, the regulations extend the exemption to financial services ancillary to the provision of advice. The regulation provides only limited relief that is in line with existing State and Territory regulation of lawyers and contains conditions existing in subsection 766B(5).
Items 13 and 15 New paragraph 7.6.01(1)(na) and ew subregulation 7.6.01(7)
The regulations provide that a licensing exemption is available for overseas financial service providers (OSP) where their Australian clients only receive certain financial services through an Australian financial services licensee, under the following conditions:
• that the OSP only provides advice, market making and/or custodial or depository services to a wholesale client;
• the OSP is a related body corporate of a licensee in this jurisdiction or a party to a `business joint venture' with an Australian financial services licensee in this jurisdiction (the Australian licensee). Business joint venture is defined under new subregulation 7.6.01(7);
• the licence of the Australian licensee must cover the provision of the services that the OSP wishes to provide in this jurisdiction;
• the Australian licensee arranges for the OSP to provide the services in this jurisdiction; and
• the licence of the Australian licensee is subject to a condition that requires it to assume responsibility for the conduct of the OSP in the provision of the financial services.
The above conditions ensure, amongst other things, that the regulation of services provided by the OSP through the Australian licensee, would, as closely as possible, align with the regulation of services provided directly by a licensee. In particular, the requirement that the Australian licensee assume responsibility for the provision of the financial services ensures a point of liability for Australian investors and the regulator, ASIC. Consequently, it would be in the clear interest of any Australian licensee that agrees to participate in such an arrangement, to ensure that the OSP's services would meet FSR Act requirements (to control its liability in relation to action by an investor or ASIC).
The exemption would only be available if ASIC imposed the relevant licensing condition. That is, ASIC would need to make a positive decision as to whether the Australian licensee could in fact discharge its responsibilities including assuming responsibility for the conduct of the OSP.
Item 14 Need for an Australian financial services licence (AFSL): general - new paragraph 7.6.01(1)(pa)
This new paragraph provides an AFSL exemption for financial services provided to wholesale clients by bodies established or constituted under a law of the Commonwealth or of a State or Territory that is required under a law to carry on any business of insurance or to undertake liability under a contract of insurance. In addition to this prerequisite, the body must also be regulated for the provision of insurance under a law of the Commonwealth or a State or a Territory.
Examples where this exemption may apply includes Victorian statutory schemes which provide compulsory third party, worker's compensation and professional indemnity insurance. The bodies that provide these types of insurance in Victoria are the sole, compulsory insurers in their fields and are exempt under the Insurance Act 1973 (Cth) from the Australian Prudential Regulation Authority's requirements. Each of these bodies are subject to regulatory oversight in accordance with the Financial Management Act 1994 (Vic) and any binding directions set down by the Victorian Minister for Finance. Further, they may be subject to audit by the Victorian Auditor-General. In these examples, it would serve no purpose to duplicate the regulatory requirements applicable to non-retail statutory insurance providers.
Item 16 Exemption from providing a FSG - substituted subparagraph 7.7.02(4)(d)(i)
Subregulation 7.7.02(4) is a limited exemption from providing a Financial Services Guide (FSG).
The amendment to subregulation 7.7.02(4) ensures this relief is not unintentionally restricted. A FSG does not need to be given during a telephone call where the general advice relates to financial products already held by the client. In that case, it is likely a person already has the information contained in the FSG. As a providing entity must be licensed to provide general advice, the amendment makes it clear that all `providing entities' giving general advice can use the regulation (including the product issuer and a body corporate of the product issuer).
Item 17 Advertising disclosure - new subregulation 7.7.02(5A)
This new regulation recognises limited circumstances where relief is provided from both the Financial Services Guide (FSG) and disclosures normally required in place of a FSG.
The content of advertising may constitute `general advice' as defined under section 766B. Such advertising would not require a FSG when it falls within the `public forum' exemption under subsection 941C(5) and Regulation 7.7.02(2). In these circumstances in place of a FSG, the advertisement must include a range of disclosures under:
• section 941C(5) - identity, relationships and remuneration;
• section 949A - general advice warning; and
• section 1018A - advertising disclosure.
In the context of advertising delivered through a medium such as radio, providing this information presents practical difficulties and expense.
Under paragraph 941C(8) of the Act, regulations may specify circumstances where a FSG does not need to be provided. Proposed regulation 7.7.02(5A) recognises that in certain circumstances, the disclosures in place of a FSG also do need not be provided. Given the policy objective of ensuring appropriate information is available when a person receives a financial service, including general advice, this relief from both the FSG and the disclosure of information in lieu of a FSG only applies in limited circumstances:
• where there are significant practical problems in providing the information through mediums such as a radio advertisement; and
• where the general advice is not directed at a particular person but instead is directed at the world at large through the media (as defined in regulation 7.6.01(1)(o)) or on billboards; and
• where not receiving the FSG or disclosures does not significantly reduce consumer protection.
The regulation draws a distinction between the circumstances in regulation 7.7.02(5A) and other examples of a public forum, such as flyers, brochures or seminars. In these cases, the particular advertising medium could be designed to accommodate the required disclosures or can be specifically targeted at individual retail clients.
The principal disclosure will be provided under section 1018A of the Act, which is a long-standing disclosure standard that was carried through from the prospectus regime. The other disclosure required is to advise that the person should consider if this product is appropriate for them. Given this provision is provided through regulation, there is capacity to adjust the conditions of the relief in line with practical experience.
This exemption works alongside existing public forum and other FSG exemptions and relief from the General Advice Warning under the Financial Services Reform Amendment Bill 2003.
Item 18 Verbal Product Disclosure Statements - new regulations 7.9.80C & D
The amendments provide further flexibility for industry to tailor matters to suit client needs. The Regulations provide the ability for a client to `opt-out' of receiving varying amounts of information subject to varying requirements depending on whether it is a recommendation or issue situation.
In recommendation situations the Regulation enables clients to select what information they consider appropriate at the time, after being advised of the types of information available. The information required to be provided at that time is to be determined by the client, which would allow them to request that the giving of information cease even though they may have initially requested it. This ability would apply to all the information required by paragraphs 1012G(3)(a)(ii) and (iii), including the information referred to under paragraphs 1013D(1)(c), (d), (g) and (i).
The opt-out mechanism is supplemented through additional conduct restrictions and specific disclosures, such as preventing clients from being pressured not to receive information and ensuring the client is aware of further disclosures (that is, the Product Disclosure Statement) that will follow. Further, the client would not be permitted to be locked into acquiring the product where they have not been fully informed (this is also consistent with requirements under section 992A of the Act).
Issue situations are to be treated in a similar manner, with the exception that regulated persons is required to disclose information regarding costs, fees and charges and the operation of the applicable cooling-off regime.
Item 19 General requirements for financial disclosure - Division 5AA
By inserting a divisional heading, the amendment permits the exemptions under regulation 7.9.61 to apply to all financial products as originally intended.
Regulation 7.9.61 modifies the application of Part 7.9 in its application to the obligation to give information about financial products as set out in Part 14 of Schedule 10A. Part 14 of Schedule 10A provides an exemption from compliance with sections 1017B, C, D & DA of the Act in circumstances where giving a person an ongoing disclosure document could not reasonably be expected to be satisfied (eg, because the relevant issuer does not have an accurate address for the holder and has taken reasonable steps to locate the holder but has been unable to do so).
Items 20 to 25 Payment split notices - amendments to paragraphs 7.9.88(1)(e) and (f), 7.9.89(1)(f), 7.9.93(2), (2)(a) and 7.9.93(2)(b)
The amendments to regulations 7.9.88, 7.9.89 and 7.9.93 address certain inconsistencies and anomalies in relation to the current provisions in the Principal Regulations dealing with payment split notices (related to provisions of the Family Law Amendment (Superannuation) Act 2001), namely:
• an apparent inconsistency between Superannuation Industry (Supervision) (SIS) regulation 2.36C and Corporations regulation 7.9.88, in that the SIS regulation has been amended and a requirement that certain information about preservation has been repealed. Corresponding amendments would now be made to paragraphs 7.9.88(1)(f) and 7.9.89(1)(f); and
• Corporations regulation 7.9.93(2)(b):
- (which had effect from 11 March 2002 because it is made under s1017DA of the Act which commenced operation on that day) requires information to be provided with a Product Disclosure Statement. However, product issuers have the benefit of the FSR Act transition period and may not yet have issued a PDS;
- refers to information to be provided under s1017DA (which relates to information required to be provided under regulations) but requires the information to be given at the time the payment split notice is given suggesting that this is a once only requirement rather than ongoing annual report type disclosure. However, at present it is not clear what reporting period applies; and
- refers to information to be provided under s1017DA and "Subdivisions 5.4 to 5.7" of the Corporations regulations, however subdivision 5.4 relates to information to be provided under s1017D and s1017C.
The amendments also address minor drafting errors in 7.9.88(1)(e) and 7.9.93(2).
Item 26 Technical amendment - substituted paragraph 10.2.79(c)
The amendment of subregulation 10.2.79(c) rectifies a referencing error.
Item 27 Documents equivalent to Product Disclosure Statements (PDS) - amendment to paragraphs 10.2.202(1)(a), (b), (c) and (d)
The amendments clarify that regulation 10.202 is effective in relation to situations to which PDS requirements do not yet apply. Where PDS requirements do not yet apply, the regulation affects the reference to `Product Disclosure Statement' in paragraph 949(2)(c) of the Act to instead refer to an earlier disclosure document appropriate to the product or remove the requirement where there is no earlier document.
Item 28 Friendly societies - amended subregulation 12.7.06(1)
The technical amendment ensures that financial products are not unintentionally removed from regulation by any disclosure regime.
Regulation 12.7.06 deals with the transition of financial products offered by Friendly Societies regulated under Schedule 4 of the Corporations Act to the provisions of the FSR Act. It ensures that once the FSR Act provisions apply, the Schedule 4 provisions no longer apply.
Regulation 12.7.06(1)(b) refers to `specified products' to ensure this regulation only applies to Friendly Society products that are subject to the Schedule 4 disclosure provisions. However, a Friendly Society may have multiple products regulated under Schedule 4 and may only nominate one of those products to opt into the FSR regime at a particular point in time. Therefore, there is potential for the other products that have not yet opted into the FSR disclosure regime to be unregulated, as regulation 12.7.06(2) ceases to apply Schedule 4 for the entire body, not merely in relation to certain products.
The minor amendment ensures that Schedule 4 ceases to apply only in relation to those products for which a body has opted into FSR. This avoids a regulatory duplication and also ensures that all financial products are in fact regulated either by Schedule 4 or the FSR Act.
Schedule 2 - Amendment commencing on 11 March 2004
Item 1 Number of issuers in a single Product Disclosure Statement - regulation 7.9.07J
The regulation clarifies that there can be only a single issuer of a Product Disclosure Statement (PDS). The regulation commences at the end of the FSR transition period on 11 March 2004.
Under section 1013A `the issuer of the financial product must prepare a PDS'. While ordinary legal interpretation provides that the single can be read in the plural, it is not free from doubt that a single PDS can be provided by more than one issuer of a financial product. In particular the provisions of Part 7.9 do not unambiguously support there being more than one issuer of a single PDS. Apart from this there is the potential for consumer confusion if more than one issuer is responsible for the issue of a single PDS.
The regulation clarifies the operation of section 1013A such that a PD S can only be provided by a single issuer. Nevertheless, ASIC has modification powers which enable it to provide relief to allow multi-issuer PDSs in certain circumstances. To avoid unnecessary disruption in relation to existing or forthcoming PDSs, the regulation does not commence operation until 11 March 2004. This allows industry time to plan for the release of future PDSs and ASIC to consider new and existing applications for relief.


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Here is a short history of the club over the the last 45 years and where we would like to go into the future...
The Superstition Amateur Radio Club has something for everyone - whatever your amateur radio interests are, you will find someone in the club to exchange ideas with, learn from, and or teach someone something new. Whether you want to learn CW (Morse code) and work other continents. Build and tune your own antennas, climb mountains and talk to other people around the world with portable equipment with Summits On The Air (SOTA). How about helping others build an Amateur Radio Emergency Data Network using 2.4 GHz , 3.4 GHz and or 5.8 GHz microwave nodes here in Mesa and the surrounding communities. Not only is it a lot of fun to build, you will be able to help out in case of an emergency with the services that you can help provide. You can even help out the National Weather Service get eyes on the ground for weather reporting with Skywarn. Or any number of other activities with the new digital modes of communications that we as Amateur Radio Operators, you will find theres always someone that you can chat with while you are learning something new...
Superstition ARC was co-founded by Jerry Navarre, WA7RDC and the late Floyd Zeka, WA7UWG in 1973, in Apache Junction, AZ. In 1973 the club acquired the call sign WB7TJD and established the first repeater on 147.120 that was located in Apache Junction. In 1978 stones and river rock were gathered up from the Salt River and the Stone Castle was built in northeast Mesa and the repeater was relocated and that location is still in use today for our 449.600 repeater.
In 1982 the club held its first Hamfest to replace the repeater that was stolen from the Stone castle. That first hamfest was a huge success and we have continued to hold this event each year on the first Saturday of December at Mesa Community College. From this same event in January of 2015 the club was able to purchase three new repeaters and some other needed equipment. The 147.120 repeater was moved along and with the new 448.275 machine is located on Usery Pass Mountain in East Mesa. Our 449.600 repeater still remains in at the Stone Castle where it has been since 1978. Once again our SuperFest's for 2016 and 2017 did very well and we were able to upgrade more of our repeater system with three new controllers some new cans and rebuilt the link system between the 147.120 and 449.600 repeaters. We also added a DR-2X Yaesu Fusion Repeater in the spring of 2018 to the Usery Pass Mountain 448.275 location in part from an anonymous donation, Thank You who ever you are. Later in 2018 we added two more DR-X2 Yaesu Fusion Repeaters for the 147.120 Usery location and the 449.600 Stone Castle location in East Mesa along with upgrading the firmware on the Arcom controllers. The Tech Committee spent many hours tuning the Arcom controllers to the repeaters and the audio is sounding almost identical between the linked repeaters. Thanks Again! to the Tech Committee for all of the work they perform through the year...
The Superstition Amateur Radio Club now has 205 members and growing. It has been quite a jump from those original 20 Ham Radio Operators who founded this club forty fivd years ago. So you can see from our humble beginnings back in 1973 we have come a long way and we are continuing to work hard and keep Amateur Radio alive here in the far East Valley of Arizona.
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Open Pit Mining, Quarry & Construction Equipment
Underground Mechanized And Mobile Equipment
Hoisting Equipment & Bridge Cranes
Underground Conventional Mining Equipment
Ventilation, Mine Air Heating and Dewatering Equipment
Electrical Equipment & Compressors
Crushers, Conveyors & Rock Handling Equipment
Grinding Mills
Mill Processing Plants & Equipment
Metallurgical & Lab Related Equipment
Having purchased and sold most types of mining and mill processing related equipment, throughout the world, The Mackwood Group of Companies Ltd., has developed a global network of mining industry related clients and sources of equipment to meet your needs. These include all aspects of Open Pit, Underground Track or Trackless Mining, Hoisting, Crushing, Grinding, Mill Processing, Electrical and Construction related equipment for Mine Operators, Contractors, Engineering Groups and Associated Dealers. Please study the list below and if you do not see the specific peice of equipment you may require, we urge you to contact us immediately and it will be our pleasure to provide you with quotations to meet most any of your equipment needs.


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About Serenta HomeCare
Serenta HomeCare is a family run business providing outstanding Homecare to people who need it. Formed in 2011 it was the
ambition of Darren and Sue Pinder to help people in the local community and give the elderly the care, respect and dignity they deserve whilst enabling them to live a longer and more independent life in their own home.
We are registered and inspected by the Care Quality Commission and we work alongside Sheffield City Council, doctors, district nurses and pharmacists to make sure our customers receive the highest level of care.
At Serenta HomeCare we work differently to most other care companies; we have situated our office in the middle of the local community we care about and know so well. We have a number of people on our team so you can be assured no matter what we will always be there or if an emergency arises there will always be someone to attend to your needs.
We have strong links to the GP community in Sheffield enhanced further due to being recently acquired by Primary Care Sheffield, a company owned by all GP practices in the city. We strongly believe that Homecare should be better integrated with primary care and work closely with GP's to find new and innovative ways to improve quality of care and the well being of our service users.
Our team are here to help you
I have worked in Care since 2005. After nursing my mother through her illness, it was then I realised I wanted to care for people.
I undertook all my training required then studied for my NVQ qualifications. After 18 months I was promoted to a manager.
I'm the registered branch manager at Serenta HomeCare, it is my job to make sure our customers get the right care they need. I assist with customers support plans and liaise with professional bodies on their behalf. I understand the importance of maintaining dignity at all times and I am committed to providing a professional service.
Job satisfaction for me is knowing that I have changed a person's life and made them smile, this is what we strive for at Serenta HomeCare.
I've worked in the care industry since 2011. I have a background in construction but wanted a career change. I've always loved meeting new people and helping
others. So working in the care industry is ideal for me.
My role at Serenta Homecare is finance manager. I also enjoy work as a part time carer. I love getting the opportunity to meet with the elderly and listening to their many stories from the past. There is no finer feeling in the world than when you see a person happy and grateful for what you have done for them. My personal aim is to help more people live a happy, fulfilled and independent life.
What our customers say
J Edgley
From the very first visit all the staff have been extremely friendly, caring and patient. I have found them to be reliable.
Clive Edwards
I would just like to say a big thank you to you and your excellent team for everything that you have all done and the times that went above and beyond!.
J Reynolds
I could always rely on them to handle any crisis and to let me know if there were any problems.


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The best comic book group on Facebook (by far!), The Secret Society of the Comic Book Illuminati, began their celebration of the "Underdogs of Comics" with Valiant Week, a week-long celebration dedicated to everything from comic book publisher Valiant Comics.
Valiant Comics represents a different way of thinking about how comic book should be published. While other companies have a shared universe, Valiant's shared universe avoids the traps and pitfalls that come along with a large cast of characters. By focusing on only a few, well written and drawn series with a handful of characters, quality takes the lead, and it shows.
A brief look at stats on review aggregator Comic Book Round-Up shows just how much quality goes into each issue. Their entire line averages above an 8, and it's that sort of consistency to quality that keeps fans coming back for more.
To celebrate the awesomeness that is Valiant Comics the Comic Book Illuminati is celebrating Valiant Comics all week long, and they want you to join them.
Comic Book Illuminati (CBI) is a network of pages, ranging from general fandom to Buy & Trade and everything in-between, and it's run by some of the most passionate geeks on the web.
So, head on over to CBI and join in the Valiant Week festivities.


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SAN BERNARDINO >> City leaders and religious leaders joined with dozens of residents in front of City Hall and thousands across the country Thursday for the National Day of Prayer, calling on the leadership of God.
The nearly hour-and-a-half ceremony included prayers for personal repentance, San Bernardino, elected officials, first responders and military, harmonious race relations, religious leaders, and God's protection for America.
In important ways, the city's residents already embrace Christian principles, said Mayor Carey Davis, who provided a welcome for the event.
Davis pointed to a Career Day he attended Wednesday at Ramona-Alessandro Elementary School, where students in each classroom told him their rules were "safety, responsibility and respect," and despite his eagerness to answer questions one student said to let a classmate answer one.
"This is where I saw it demonstrated," Davis said, comparing students' actions to Jesus' statement that those who fed and clothed 'the least of these' had done it for Jesus. "I believe our youth are learning from their teachers and their parents and their peers to look out for one another, to feed the hungry."
God will help San Bernardino if it prays together, said Rev. Joshua Beckley of Ecclesia Christian Fellowship.
"I believe God is waiting for his people to pray," Beckley said. "I believe if we do will do that, God will hear us, not praying sporadically, but praying in one accord."
The annual event isn't directly affiliated with or funded by the city, but prayer leaders included Davis, Councilman Rikke Van Johnson and Police Chief Jarrod Burguan.


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Golar Power to provide FSRU for Croatia's 1st LNG import project
LNG Croatia, the state-owned company that is developing the country's first LNG facility on the island of Krk, has chosen Golar Power to provide a floating storage and regasification unit (FSRU) for the import project.
Golar Power is a 50/50 joint venture formed by LNG carrier and FSRU owner Golar LNG and private equity firm Stonepeak Infrastructure Partners.
LNG Croatia said in a statement on Friday it has chosen Golar Power after receiving three bids in the procurement procedure for the FSRU. The other two bids were from Mitsui O.S.K. Lines and Maran Gas Maritime.
Golar Power will convert the 2005-built Golar Viking liquefied natural gas carrier to an FSRU and provide it to LNG Croatia for about 159.6 million euros ($180.8m), LNG Croatia said.
The FSRU will have a storage capacity of 140,000-cbm, with a nominal LNG regasification capacity of 300,000-cbm of natural gas per hour, giving a yearly capacity of 2.6 billion cubic meters of gas, it said.
Depending on the outcome of the previously announced open season for the terminal's capacity, which will close on December 20 and adoption of a positive investment decision, delivery window for the FSRU is expected in the period from September 30 to October 30, 2020.
The LNG terminal is expected to be fully operational by January 1, 2021.
LNG Croatia said that the deadline for objections on this decision to choose Golar Power's solution is November 15.
After this, the state-owned company plans to sign the FSRU delivery contract and operation and maintenance contract.


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Adds portraits to Actors in the BattleStatus window. Finally!
Introduction Adds portraits to Actors in the BattleStatus window. Finally!
Features -Compatible with Ellye's Simple ATB plugin and MrTS_BattleCharacterLimit. -Compatible with or without TP. However, if using with ATB AND TP, the battle commands window at left will be shorter vertically than the battle status window at right. This is not problematic, just esthetic. I will try to make a new parameter that can be enabled to fix that automatically.
I tested it with 4, 6 and 8 Actors (thanks to the plugin) :) I suggest placing this plugin AFTER all others, but you can experiement and let me know if there are any issues. Note: Actor Quantity parameters does not mean that my plugin adds more battlers during battles. By default this is for 4 battlers, however to be compatible with MrTS_BattleCharacterLimit, set it to the same value as the "Max Characters" value of that other plugin. Note: I need to shorten the parameters descriptions, they are too long. But the important informations are still visible.
How to Use Just save the .js file into your js/plugins folder, and add it in the Plugin Manager.
Demo Not necessary.
Credit and Thanks
100% free for any use, have fun. Just mention our names somewhere in your credits, show me what you'll make with it, and send me a free copy of your game once finished!! :)
Author's Notes More options (parameters) coming soon. If any problem, please report and I will do my best within my free time.


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The museum is once again pleased to be collaborating with the Park District's performing arts group, Big Deal Productions. This year's theater production is A.R. Gurney's Pulitzer nominated comedy, The Dining Room.
The play centers around a single antique dining room furniture set and follows the lives of the families that own it over a period of fifty years. The dining room setting acts as an anchor for the play's 18 overlapping story lines and host of 57 characters played by just 14 actors. The play also uses the the formal dining room as symbol for the decline of the privileged upper-middle class culture and its traditions.
Performances will be conducted in the museum's lower gallery and are scheduled for 7 pm on May 10-12 and 7 pm on May 18-20. A matinee performance at 2 pm is also scheduled for May 20. Tickets are now on sale and may be purchased for $10 at the Alcott building or online here. Don't miss it.


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How to Use VLC Media Player to Listen to Internet Radio
Explore this Article Connecting Directly Browsing Stations Questions & Answers Related Articles
wikiHow is a "wiki," similar to Wikipedia, which means that many of our articles are co-written by multiple authors. To create this article, 13 people, some anonymous, worked to edit and improve it over time.
The wikiHow Tech Team also followed the article's instructions, and validated that they work. Learn more...
The wikiHow Tech Team also followed the article's instructions, and validated that they work. Learn more...
VLC media player is a cross-platform media player and streaming server. This how to will teach you the steps to use VLC media player to listen to internet radio.
Connecting Directly
Browsing Stations
1Select the Playlist drop down menu.
2Go under Additional Sources. It should be followed by an arrow.
3There will be a list of streams for all sorts of things, like internet TV. But in this case, we are searching for some internet radio to listen to, so select Shoutcast radio listings.
4You should have clicked Show Playlist after this. A window shall appear with three folders: Playlist, Media Library, and Shoutcast Radio. Select Shoutcast Radio.
5Go through the list of genres, double click the genre of your choice, and the first station of the genre should start playing. Then you can browse through all the stations on a certain genre.
Community Q&A
QuestionI found the URLs for stations that I like and can play them, but only by entering the URL each time. How do I save them? I want to end up with a playlist of favorite stations, not of particular pieces of music.Community Answer1. Open VLC. 2. Click on the Media drop-down menu. 3. Select Open Network Stream and paste the URL for the station you like in the window that appears. 4. Press Play. 5. Repeat steps 2 - 4 for each station you have chosen. 6. Right-click the mouse and press on Save Playlist to File. 7. Select the file name for your playlist, choose the location you are going to store it and click Save. 8. When you want to listen to the radio stations from your playlist, double-click on the file name, and VLC player will open it. Alternatively, you can open the player, click on Media drop-down menu, press on Open File, and choose your playlist.
QuestionHow do I save station URLs so that I don't have to manually enter the URL each time?Community AnswerYou just need to save that URL as a favorite in your browser! Depending on the browser the technique may differ but most of the time you just click the star in the upper right corner. Make sure to give the URL a name so you will remember which playlist is which.
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Article Info
Categories: VLC Media Player | Radio
In other languages:
Español: usar VLC Media Player para escuchar la radio por Internet, Italiano: Utilizzare il Riproduttore Multimediale VLC per Ascoltare una Web Radio, Português: Usar o VLC Media Player para Ouvir Rádio na Internet, Русский: слушать интернет радио с помощью медиа плеера VLC
Thanks to all authors for creating a page that has been read 260,988 times.
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Type of Document Dissertation Author Dasgupta, Aritra Author's Email Address firstname.lastname@example.com URN etd-08182011-095958 Title Radiation Response in MOS Devices with High-K Gate Oxides and Metal Gates Degree PhD Department Electrical Engineering Advisory Committee
Advisor Name Title Prof. D.M. Fleetwood Committee Chair Prof. M.H. Mendenhall Committee Member Prof. R.A. Reed Committee Member Prof. R.A. Weller Committee Member Prof. S.T. Pantelides Committee Member Keywords
- gate dielectrics
- dose
- metal gates
- high-k
Date of Defense 2011-07-21 Availability unrestricted AbstractThe effects of low and medium energy x-rays on MOS capacitors with SiO2 or HfO2 gate dielectrics and Al and TaSi gate metallization have been studied using the Monte Carlo simulator, MRED. We find good agreement between our calculations and previous results in the literature with other simulators and with experiments on devices with SiO2 gate dielectrics. There is a significant dose reduction in thin HfO2 layers exposed to 10-keV x-rays, when the HfO2 is surrounded by lower-Z materials (e.g., Si, Al). We have extended our studies to MOS capacitors with HfO2 gate dielectrics and TiN and TaN metal gates. We quantify the effects of back-end-of-line (BEOL) layers, including copper interconnect, W vias, and BPSG and SiO2 passivation layers for low and medium energy x-rays. For thick metallization stacks irradiated by 10-keV x-rays, dose enhancement or attenuation can occur, depending on material type and overlayer thicknesses. In a medium-energy x-ray environment, the dose in a HfO2 gate dielectric can be ~ 10 times higher than the dose in a SiO2 dielectric, for the same incident x-ray fluence, with increasing doses due to BEOL layers. Files
Filename Size Approximate Download Time (Hours:Minutes:Seconds)
28.8 Modem 56K Modem ISDN (64 Kb) ISDN (128 Kb) Higher-speed Access Dasgupta.pdf 2.31 Mb 00:10:40 00:05:29 00:04:48 00:02:24 00:00:12


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may has been beautiful so far.
freddy has a new "mean face." i found him outside with daddy one afternoon in a diaper and his winter coat. on the right - my little errand buddy.
freddy has a new "mean face." i found him outside with daddy one afternoon in a diaper and his winter coat. on the right - my little errand buddy.
some days it's still pretty chilly. we had a great play date with some friends at the park one day. too bad it was a school day for lala. we'll have to do it again soon chrissy, christina, and bekah! (p.s. i'm not sure if playdates are really for the kids or the moms!)
i love this one.
a couple of weekends ago we got brave (no pun intended) and went to denver for a baseball game. the braves were in town playing the rockies.
we stayed at the westin on saturday night. what a great room. who knew the kids would LOVE that window so much?!
pat junior
we had a delicious dinner at vesta dipping grill. the kids were both rockstars that night. the waiter and the table of women next to us commented on how well behave they were. pat said "let's go let's go let's go, before we ruin it!"
beautiful night for a stroll in downtown denver. lots of great people watching - it was cinco de mayo and kentucky derby night!
it was a fun day, but we'll just say that a baseball game is much more enjoyable WITHOUT two little bitty people. :-)
this poor guy sitting in front of us tried to catch a home run ball and it hit him in the eye - can you see the shiner already forming???


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This year we've lost a lot of artists who were suffering from addiction and depression, and several artists and music industry figures have spoken out about the need for seeking help, either through a mens or womens inpatient drug rehab for addiction, depression or mental health.
*Blink-182 drummer Travis Barker told Fortune, "Sobriety saved my life. My only regret is it didn't happen sooner. My second chance at life and my kids was enough to never touch drugs again. Being present and sober is something I wouldn't trade for anything. Music is my drug."
*When asked what the music industry can do to help musicians struggling with addiction and mental health issues, DJ Steve Aoki said, "I learned it's a dialog and conversation about addiction and all the incessant drug and alcohol consumption in our world. This conversation doesn't have to be this sit-down lecturing spiel, because I think that's why people avoid that, they don't want to be lectured. I think a lot of the time it's an issue of shame. But that conversation needs to be had even more, so the dialog is the key to finally pulling the skeletons out of the closet, dealing with the issues."
*Creating environments that encourage sobriety has also helped keep a number of musicians alive, including Aerosmith after they cleaned up in the eighties. As Harold Owens head of the MusiCares organization, says, "When an artist is newly sober, the question becomes, "When is that artist ready to go back on the road?' Being on the road addiction is obviously a tour-related hazard for musicians because of the environment. Before we left we had a band meeting and we got everybody on the same page and created an environment that looked at all the dead time. For addicts doing nothing is a killer." Also important for bands was to get rid of entourages and replace them with sober people on tour as companions and road crew.


text: Spent another morning checking some of my favorite spots along the west side of Quabbin. The morning started chilly again with a temp of 42 (better than the previous morning of 36!). I started at Gate 22 and had some nice little groups of migrants. The next stop was gate 16 where I had an immature Connecticut Warbler in almost the exact same spot I had an adult last week. I guess they like the area. I only managed a blurred flying away photo. I also had a couple mixed species flocks with several species including Tennessee warbler. I also had a group of three Sharp shinned Hawks chasing each other through the woods seemingly oblivious to my presense. A juvenile Hermit Thrush also seemed oblivious to me and kept running along beside me as I walked down the road. The final stop of the morning at Gate 10 produced a couple more small mixed species flocks. Vacation is now over so its back to work tomorrow.


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Hello again everyone, i have created a faucet with the faucetbox script if you guys could take a look at it and tell me if you liked it or what can i improve on it, it would be nice for me. Thanks in advance!!
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October 9, 2000, Section B, Page 10Buy Reprints
Dr. Joseph Weber, a pioneer in two important fields of 20th-century physics, lasers and the search for waves in the fabric of space predicted by Einstein, died Sept. 30 in a hospital in Pittsburgh. He was 81.
The cause was side effects of treatment for non-Hodgkin's lymphoma, a form of cancer, said his wife, Dr. Virginia Trimble, who is a noted astronomer and writer at the University of California at Irvine.
Since their marriage, in 1972, the couple had spent half of each year working and teaching in Southern California and half in Maryland.
An emeritus professor of physics and a senior research scientist at the University of Maryland, Dr. Weber discovered the basic principle of what would come to be called masers and lasers and gave the first public talk ever on the subject in 1952. Soon after, he was the first to realize it might be possible to detect the minute distortions of space called gravitational waves that had been predicted by Einstein's theory of relativity, and Dr. Weber built the first detectors to search for them.
''He is regarded universally as the father of this field of gravitational wave detection,'' said Dr. Kip Thorne, a professor of theoretical physics at the California Institute of Technology. ''Joe embarked on this in an era when nobody else in the world was thinking about these things.''
Referring to the laser, Prof. Charles Townes, a physicist at the University of California at Berkeley, said Dr. Weber had been ''one of the four people who really saw the idea'' before anyone else in the world.
Dr. Weber, however, often found that public accolades for his innovations eluded him. That may have been because his powerful scientific imagination sometimes outpaced the technical tools available to him. In 1964, a Nobel Prize for the laser went to Professor Townes and two Russians, Nicolai Basov and Alexander Prokhorov, the other three scientists who had made independent discoveries and who built the first functioning devices. And despite decades of tantalizing results, Dr. Weber never definitively detected gravitational waves.
Nevertheless, the influence of his work was profound. A direct descendant of his research is the $300 million Laser Interferometer Gravitational-Wave Observatory, or LIGO, which in about 18 months will begin the latest search for gravitational waves, which still have not been seen directly. Dr. Thorne was a co-founder of LIGO.
Dr. John Wheeler, a theoretical physicist at Princeton who had long known Dr. Weber, compared him whimsically to the frontiersman Daniel Boone. ''It seems to me he's not so well known as an explorer like Columbus and Vasco da Gama,'' Dr. Wheeler said, yet he had a great historical impact and was much beloved.
Joseph Weber was born in Paterson, N.J., on May 17, 1919, to Eastern European immigrants. His first language was Yiddish, Dr. Trimble said, but for several years he lost the ability to speak after being struck by a bus and gravely injured when he was 5. When he finally started to talk again, he had lost his Yiddish cadences and acquired his speech therapist's middle-American accent in English, earning him the family nickname ''Yankee.''
In 1940, Joseph Weber received a bachelor's degree from the United States Naval Academy and was assigned to the aircraft carrier Lexington; he survived when Japanese aircraft sank it on May 8, 1942, in the Battle of the Coral Sea. After commanding a submarine-chaser ship and landing in Sicily in the invasion of Italy in 1943, he was put in charge of the Navy's program in electronic countermeasures because of his expertise in radio and radar.
He accepted a professorship at the University of Maryland in 1948 and, while teaching there, earned a Ph.D. in physics at the Catholic University of America in 1951. About the same time, he realized that molecules in an excited, or energetic, state could amplify coherent light -- the crucial element of a laser. But independent discoverers used the idea to make practical devices, and they received virtually all of the credit for it.
''Disappointed, but maintaining close friendships with Townes and Basov, Weber sought a new research direction,'' Dr. Thorne wrote in ''Black Holes and Time Warps: Einstein's Outrageous Legacy.'' Dr. Weber became intrigued by a strange prediction of relativity theory: that cosmic cataclysms like collapsing or colliding stars should emit gravitational waves, which would stretch and shrink space, and all the matter in it, as they sped past the earth.
To see the waves, he invented an experiment that involved an aluminum bar weighing more than a ton. The bar was suspended by wires and insulated from vibrations. Sensors on the bar were put in place to pick up a sort of ping, ''like a xylophone,'' that gravitational waves would induce as they passed, said Dr. Rainer Weiss, a physicist at the Massachusetts Institute of Technology and another co-founder of LIGO. ''The gravity wave bops it and it sings after it's been bopped,'' Dr. Weiss said.
The devices consistently seemed to show gravitational signals, and the experiment had become a worldwide sensation by 1969, when Walter Sullivan wrote in The New York Times that if the observations were correct, ''a new chapter in man's observation of the universe has been opened.''
The celebration turned out to be premature, and decades of ambiguous results later suggested that the instruments were somehow generating the pings for unrelated reasons. But Dr. Weiss said the importance of the work lay in the thriving field it spawned. LIGO, he said, ''would never have existed had Weber not made the initial step.''
Besides his wife, Dr. Weber is survived by two sisters, Rae Beim and Anne Lazar; a brother, Jules Weber; three sons, Dr. Jonathan Weber, Matthew Weber and Dr. David Weber; and six grandchildren. Dr. Weber's sons were born to his first wife, Anita Straus, who died in 1971.
Dr. Trimble said that balancing the domestic and intellectual relationships of two ambitious scientists was seldom trying.
''Once in a while,'' she said, ''we would have firm words about something scientific with each other.'' Then, referring to a favorite restaurant, she added, ''By the time it was supper time and we were at the Golden Bull with our wine and cheese, we were friends again.''


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The track is where most of the M2M coaches first fell in love with the sport, and it was vital to their development as athletes. Many folks who get into the sport later in life mainly use the track as a training venue and have never had the opportunity to throw down in a proper track race. We started Chase the Pace to give our crew the opportunity to have a full-on 5,000m race effort on the track.
What is Chase the Pace?
Chase The Pace (CTP) is not your standard track meet. Most track meets are rather stale and quite honestly, somewhat boring. We try to do things differently with CTP. We want people to have a good time out there, so we have music, food, beer, and other cool stuff to help promote a fun environment.
The main thing about CTP, however, is the actual running. We want people to run their guts out and hopefully set a PB in the process. We help facilitate this in a few ways. First off, the event has the previously mentioned kick-ass vibe. We put people in heats with other runners of similar ability, because running with a group is always easier than having at it solo.
Pacers are the secret sauce
Racing is hard, you have a lot to think about, we don't need you worrying about splits or pacing – that's why we have pacers. They will take care of all of that for you. We have sections for all levels, from sub 16:00 to 27:30, no matter your ability, we will have a pace for you.
The track is the place to test your fitness
To be the best runner you can be you have to cover all your bases. There are the easy aerobic runs, tempo runs, long runs and speed work to be crushed. We often choose track as our surface of choice for speed work. The surface is flat, the distance is accurate and it is the most controlled environment we can get which makes it the perfect place for all-out efforts. The track is the place to find out exactly how fit you are.
The 5,000m is a great distance to test yourself
5,000m is a tricky distance – if you go out too fast you suffer. If you're struggling at 2km, that's a problem, but if you're struggling at 3km you can usually stick it out. It's all about staying strong and being focused and gauging your effort well. That's why we have our pacers there to help.
Approaching the track as a first timer
Pacing for a first timer is a bit of trial and error. You can't just step on a track and know what effort you can sustain for a prolonged period of time. Err on the side of caution if it is your first time. Go slow and keep the effort manageable. Now let's apply this to a track workout, for example, 10x400m. Start at a pace that you know you can sustain, for example, 2minutes per lap. If you handle this well then you know that next time you can go harder, but if you go out too hard and only get in a few efforts before slowing down you don't really know where you are at. The more time you spend on the track the better you will get at judging efforts. This will translate not only to your ability to pace track workouts, but also your judge of pace in general for all types of training.
Using racing to inform training paces
An all-out 5,000m effort such as CTP can be a big help to help set paces for future track sessions as it will give you a clear picture as to where your fitness currently is.
Getting ready to race
Before each M2M track session, we do a 2-3km warm-up, followed by a series of drills and strides. Warming up pre-race should look very similar to this. No need to change from what you are used to. Keep it consistent and familiar.
Make sure to cool-down after the race! This is a full-on effort, you are going to accumulate a lot of lactate in the muscles, even a slow 2km jog afterward will help to flush some of that junk and allow for quicker recovery. Then go have a beer.
Using racing on the track as a training tool
Racing can be an awesome training tool because in a race you can dig deeper, push harder and suffer harder than you can during a workout. And as a result, you will get both physically stronger, and mentally tougher.
Even if you are training for a marathon, a 5,000m has its benefits. It will increase your speed, bump your V02max, increase pain tolerance and help your running economy.
It is also short enough that it can fit seamlessly into your training plan- the recovery is often much quicker than other race distances, so you can get right back to normal training after a couple easy days. It is basically a hard ass speed work day.


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Dento Facial Dentistry
Our Services
Offering an aesthetic option to add to your grace
At Dentist for Chickens, we use the highest quality fillers and anti-wrinkle injections to treat areas such as the forehead, frown lines and side of eyes. To ensure that your skin is healthy and wrinkle free, our medical team will complete a full lifestyle and medical consultation with you. During this time, we explain the various products available for treatments, the benefits, potential risks, side effects and expected longevity of products.
We take a great deal of care in ensuring treatment is comfortable and these procedures are minimally invasive for you.
Relieving bruxism/grinding symptoms
We also offer masseteric injections for relieving pain and discomfort caused by the involuntary grinding of teeth. This will give you a pain free period of up to 6 months or even longer depending on the individual.
Call: (02) 4971 0144 Swansea (02) 4953 0016 Edgeworth (02) 4983 2177 Raymond Terrace


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How to Decide if it's Time for a Home Addition
When you first moved into your home you probably thought it suited your needs well or had plenty of room. But over time as your family grew, your needs changed. Before you start looking for a new home and decide to list yours, you should look at home additions as alternatives.
Adding on to your home can serve many purposes. Not only can it make your current home, that you love and have the benefit of already living in, work better for the needs of you and your family, it can also add value to your property. Not only can this save you the time and hassle of listing your home, finding a home that works for your family and the cost and time involved with moving, it can also allow you to customize your home to exactly what you want, instead of winding up with a home that doesn't meet all of your needs once more.
Home additions give you the flexibility to pick and choose what you want to do. Don't really need four bedrooms, but instead need more storage or living space? You can add a den, a second family room or even the laundry and mud room of which you've always dreamed. Adding on to your family or inviting the in-laws to come stay long term? An additional bedroom or even a guest suite or mother-in-law suite could be what you need to remain happy in your current home.
Home additions not only give you the space you need, but make your home more valuable in the long run. Many of the things you want and need for your home and family are exactly what other families will be looking for down the road if you decide to sell. Adding square footage or custom features is a great way to build equity in your home, while making it the space you've always wanted.


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Thanks to everyone who entered my Skinny Coconut Oil Giveaway. The winner of their very own 2oz jar of Skinny & Co Skinny Coconut Oil is Jodi from A Brash Attitude! She has a great blog. Congrats Jodi! Hope you like it as much as I do 🙂
Thanks for reading!
Nerdy Librarian Girl ❤


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At JumpStart we aim to provide hiring managers with qualified applicants disregarding race, religion, national origin, sex, or age. We make it as simple as possible for employers to find the perfect fit for their business.
Larry Rheingold, the founder of JumpStart, joined forces with Peter Goodkind and Anthony Iacullo of The Goodkind Group. Together, they have formed JumpStart Technology. They have been in the staffing business for over 35 years as JumpStart follows two previous successful endeavors (David Lawrence Associates and Career Management Associates). Joined by Cody Martin and Anjali Tandon, they are focused on meeting the needs of both clients and applicants. Being a boutique firm specializing in IT as well as Accounting/Finance, they have successfully placed hundreds of applicants in the tri-state area.
JumpStart has been growing exponentially and by joining with The Goodkind Group, has tripled in size and will STILL continue to excel in customer service. We will never stray away from what has made us so successful… doing business and recruiting the old school way, through personal relationships. We make it our practice to meet with all potential candidates and understand what their needs are.
All resumes we receive will always be treated with the utmost confidentiality.


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Helping you achieve your personal best!
Ernest A. Lewis .
Executive Coach .
[Home] [About Ernest] [Clients and Testimonials] [Contact] [Newsletter]
Toledo and Findlay!
Useful Tools
More Conflict Resolution Techniques
Emotional Intelligence and Managing Your Emotions
Deming's 14 Points of Management
"The reward of a thing well done
is to have done it."
- Ralph Waldo Emerson
Networking Notes
Personal contact is important - You have to show up to be in the show!
Here are some pointers:
1. Ask to have a networking lunch or coffee:
Get to know them.
Let them know you.
Find out who they know.
Be willing to go deep in the conversation.
Don't sell, but be up front about your intentions.
Ask for their card.
Find out what you can do for them.
Take notes.
Ask for permission to follow up at later dates - then do it.
$ Initiator picks up the tab.
2. When asking for referrals:
This is not networking.
If you don't ask, you won't get.
Ask if they can refer work directly to you.
"Most of my business comes from word of mouth. Do you know anyone…?"
"If you know of anyone that should know about my business…?
3. Keep people informed about your progress with their referrals.
Thank you notes, simple, hand written.
Phone calls.
4. The 10-second commercial
Introduce yourself-place a pause between your first and last name.
Tell your company name.
Tell who suggested you call.
Tell the reason for your call.
5. Describe your business in one sentence.
6. Speak to the decision maker when you can.
Anyone else: get as much helpful information as you can.
Ask for their assistance.
When is the best time to call?
When will they be returning?
Who else might we talk with?
What is the receptionist's name?
Do they buy similar products or services from someone else?
How do you spell their name?
7. Develop a database with contact names, numbers, addresses, and any relevant information.
"I have known Ernie for over ten years and have always been impressed by his professionalism, knowledge and experience. He truly cares for his clients and helps them to reach peak performance."
Jan Weakland
Sales and Marketing Capabilities Project Manager, BP
"E.A. Lewis Consulting was hired to assist in efforts to improve morale in a warehouse environment. Ernie achieved such positive results that we expanded his project to include our sales and management teams. Ernie was also instrumental in our efforts to implement cost saving procedures. I highly recommend E.A. Lewis Consulting."
- George Evanoff
General Manager
"I have hired Ernie for eight years as a trainer for my Leadership Toledo classes and will continue to do so. He does a terrific job as an individual and team developer. He is bright, active, fun and creative. Ernie is also a wonderful volunteer to many organizations and causes. He is an all around class act! Contact Ernie. You will be glad you did."
- Dave Schlaudecker
Executive Director
Leadership Toledo
"Ernie is a master at bringing people to common ground and helping both individuals and companies reach their potential."
- Mary Kern
Director of Information Services
University of Toledo Foundation
[Home] [About Ernest] [Clients and Testimonials] [Contact] [Newsletter]
Business Coaching - Executive Coaching - Strategic Action Planning - Team Building - Continuous Improvement - Professional Development
Copyright © 2009 E.A. Lewis Consulting


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A new park for Mediapolis
Mediapolis is a new urban district being built by JTC opposite the old Portsdown Road area, in Singapore. We have actually been involved with this project since the beginning—alongside Bernard Tschumi's office, we produced the masterplan. We designed the landscape and environmental urban design guidelines. So it's quite nice that we are back to build the area's "central park." It's elevated by one level, and will interface with a new building by Kenzo Tange's office.


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It may pale in comparison to the 19 games they won in a row earlier this season to set a franchise record, but the Celtics finally have put together another winning streak.
It wasn�t easy, though.
The Celtics overcame a 10-point deficit midway through the third quarter and Andrea Bargnani�s game-tying 3-pointer with one second left in regulation to beat the Raptors in overtime, 115-109, last night at the Garden.
The Celtics have won two in a row for the first time since Dec. 21 and 23, the last two games of their 19-game winning streak. Boston also beat the Raptors, 94-88, in Toronto on Sunday. The Celtics had lost seven of their previous nine.
Paul Pierce wasn�t sure if he�d be able to play after banging knees with teammate Brian Scalabrine Sunday, but the Celtics captain played 49 minutes and 24 seconds while scoring 39 points, both the most by a Celtic this season. The Celtics captain also grabbed nine rebounds and made 13 of 26 field-goal attempts and 10 of 11 free throws. His only missed foul shot came with 14.3 seconds left in regulation and allowed Bargnani to force overtime by hitting a 3-pointer from the corner.
Pierce opened the OT with a 3-pointer to put Boston back on top for good and he scored nine of his team�s 22 points in the extra session.
�Actually, I feel pretty good,� Pierce insisted. �I could have played another quarter.�
�First of all, he�s tough as nails,� Celtics coach Doc Rivers said. �Plus, he has such a love for the game. He�s able to play through pain because of the love for the game.�
�You�ll need to start playing,� Kevin Garnett suggested, �some of that Superman theme music in the building when he (Pierce) is going like that. This is Clark Kent right here, ladies and gentlemen.�
Garnett then even sang the Superman song.
�I�ll be Batman,� Garnett said. �I�ll be Robin. I�ll be anybody you want me to be. I�ll be the garbage man. But this is Clark Kent right here.�
Garnett collected 20 points and 12 rebounds to help the Celtics beat Toronto for the eighth time in their last nine meetings.
�These games are tough, these back-to-backs,� Rivers said. �You rarely win them both. So there�s a lot of good things about this win.�
The 22 points broke the franchise record for most scored in an overtime period. The Celtics scored 21 on Jan. 2, 1963, in a 135-120 victory at San Francisco.
Ray Allen, who scored 36 Sunday, poured in only 12 yesterday, but his 3-pointer with 2:10 in overtime pushed Boston�s lead to 103-97. Scalabrine hit three 3-pointers and scored a season-high 11 points while starting at center in place of the injured Kendrick Perkins. Leon Powe contributed 10 points and 7 rebounds, but Rivers liked his defense even more.
�I thought that was Leon�s best defensive game of the year,� Rivers said.
Bargnani led Toronto with 23 points and 8 rebounds. Chris Bosh ranks seventh in the NBA in scoring with a 23.6 average, but Garnett limited him to 18 points on 6-of-11 shooting last night after he made just 5 of 16 shots and scored just 15 points on Sunday. Asked if he thought a rivalry was developing between he and Bosh, Garnett replied, �No.� But it�s obvious that Garnett gets up to play him.
�You work hard to get open,� Bosh said, �then he overplays you and then he has help behind him. So it�s a tough aspect of the game.�
The Celtics almost blew a 20-point lead in the fourth quarter Sunday when they surrendered 33 points, but they turned up their defense in the fourth last night, holding the Raptors to 5-of-20 shooting and 15 points. Toronto shot 53.8 percent (28 of 52) in the first three quarters to take a 78-74 lead.
Garnett and Allen hit back-to-back jumpers as the shot clock expired to give Boston an 88-84 lead with 3:15 left. Rajon Rondo�s 5-foot floater pushed the lead to 90-84 with 2:16 remaining.
After Pierce made 1 of 2 from the line with 14.3 seconds left in regulation, Anthony Parker missed a trey, but Toronto grabbed the rebound and Bargnani drained his tying 3.
Toronto went ahead, 84-82, on a Kris Humphries drive with 8:12 left in the fourth, but the Raptors didn�t score again for more than six minutes.
In addition to Perkins (sore shoulder), the Celtics played without reserve guard Tony Allen (sprained ankle). Toronto didn�t have two of its top three scorers, Jermaine O�Neal (sore knee) and Jose Calderon (strained hamstring).


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My degree was in TV & Film Production. We had no exams, we had no dissertations. It was all oursework. Our major project was to work in pairs to create a documentary. On any topic.
Denzel and I were going to do it on Guide Dogs for the Blind. They're cute cuddly and gave us a rare chance for an overdose in puppies (internet wasn't like it is now).
So we were sat in the middle of Salisbury, on a bench, discussing our approach, our angle, our motivation, when we spotted someone who looked an awful lot like Terry Pratchett. In fact it WAS Terry Pratchett. And we're both massive fans.
So yes, we're both fans, so we did what anyone would do in our position. We followed him. We followed him, giggling like a couple of teenagers, daring each other to speak to him, trying to think of a reason to strike up a conversation. Neither of us had a book on us that he could sign. And then inspiration hit. We could do our documentary on him.
Unfortunately, I'd already claimed the role of Producer on the show, so that meant it was down to me to speak to him. I summoned up all of the courage I had, and approached him in Virgin Records (does that still exist?). I don't remember exactly what I said, but it was probably a lot of burbly nonsense. But I came away with his PERSONAL telephone number to call him to arrange the filming. He'd agreed.
Somehow, he'd agreed to a pair of students filming him. Nutter!
Anyhow I arranged the filming to be in Salisbury's nicest hotel for a few months down the line. I also arranged a trip to Oxford to interview Stephen Briggs – he converts the books into scripts, and also writes all the accompanying books to the series. He's a very charming, charismatic man and he agreed to be the presenter. This was an excellent move – it stopped it looking like a student production.
We also interviewed Paul Kidby, who's the newest artist who draws the covers. We got great footage of his artwork, unfortunately he wasn't very good on camera, so had to drop the interview from the final cut.
I also manage to track down the agent of the guy who does the recordings for the audio book. You may have actually heard of this guy, Tony Robinson?
We got given a half four slot to get into his flat, set up the equipment, film and get out again. This was a terrifying prospect. It usually takes us at least an hour to set up the equipment – and we didn't even know what his flat was like. Would have to be a real bodge job, seat of your pants, wing it kind of thing. Which so far had been how the whole thing had been arranged. SO we crossed our fingers, made a pact that NEITHER of us, under any circumstances was to utter the words "I have a cunning plan", and headed off to London.
We did it! Somehow, some way we got in there, set up, miked him up, filmed, interviewed, avoided saying the words, and even suppressed huge grins when at some point during the interview he (of his own volition) said 'Baldrick'.
And somehow, between all of this, some fan interviews and some filming of a book-signing that Terry happened to be doing in our local Ottakers (does that still exist?) we put together a 15 minute documentary. AND it got shown at the Discworld Convention (which we couldn't attend cos we were poor students and couldn't afford it). And we kind of got offered the opportunity to sell it. However we couldn't agree on a few things and had to drop out of that. Goddamit.
And to this day I thank my lucky stars that I had a shallow tutor, who was wowed by all things celebrity, because I got a 2:1.
And that is how I interviewed the most famous fantasy writer. And Baldrick as well.


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- 8 person maximum
- 2 queen size beds, 2 double beds
- 3 bedrooms
- Building dimensions: 1600 pi2
- 1 bathroom
- Property dimensions: 40 000 pi2
Cottage Gaspesie
A dream place for lovers of nature, the salmon fishing and outdoor. This comfortable four season cottage is located in New Richmond, in the tourist resort Pin Rouge, in Chaleur Bay in the Gaspé Peninsula.
Cottage Gaspesie
A dream place for lovers of nature and outdoor. This comfortable four season cottage is located in New Richmond, in the tourist resort Pin Rouge, in Chaleur Bay in the Gaspé Peninsula.
This chalet is fully equipped and sleeps comfortably 8 persons. It includes: a kitchen, a dining room, lounge, three bedrooms as well as a bathroom. You will enjoy a large Windows and large balconies to admire the nature. Autumn, with its beautiful colors is the perfect opportunity for beautiful hiking and admire the splendid scenery. Located on the slopes of ski and two steps from the Federated snowmobile trail, in fact also a destination of choice in winter. Located on the edge of the salmon Petite Cascapédia River, walk, bike or mountain biking, trails and at 15 minutes from the beaches of the Baie des Chaleurs allows a pleasant summer holiday.
In family or between friends, good memories guaranteed!
Near this cottage
- Body of water: Petite rivière Cascapédia (rivìère à saumon) (200 mètres)
- Golf course: Carleton-sur-Mer (50 km)
- Ski Hill: Centre de ski Pin Rouge (ski inn - ski out)
Here are the nearby attractions:
Adventure and outdoor tourist provider
- Kiyak Aventures
Art gallery
- Galerie d'art Yves Gonthier
- Grotte de Saint-Elzéar
Downhill ski centre
- Station touristique Pin Rouge
Farm / agricultural producer
- Ferme Bourdages Tradition
Festival / special event
- New Richmond CountryFest
- New Richmond Bluegrass Festival
- Noël en Gaspésie à New Richmond
- Festi-Plage de Cap-d'Espoir
Industrial tour
- Cascapédia Smoke House
Museum / historic site
- The Cascapedia River Museum
Regional / municipal park
- Parc de la Pointe Taylor
Sugar shack
- Maison de l'érable
Tobogganing / winter sliding
- Station touristique Pin Rouge
- Station touristique Pin Rouge
- Domaine des Chutes du Ruisseau Creux
Period 4 day 5 day 6 day 7 day
1 april to 3 june 2017 650 $ 775 $ 900 $ 975 $ 4 june to 4 september 2017 750 $ 900 $ 1050 $ 1100 $ 5 september to 10 december 2017 690 $ 825 $ 960 $ 995 $
The CITQ is mandated by the Minister of Tourism of Quebec to administer the official classification of seven categories of tourist accommodation establishments. This establishment is visited by the CITQ every 24 months.
The classifier visits the establishment and, using hundreds of strict and objective criteria, rates:
- The quality of physical facilities (bedroom, bathroom, common areas, outside, etc.);
- Its appearance;
- Its cleanliness.
The classifier also looks at:
- Services offered;
- Certain environmental considerations.
Ad Ar-1427
Cottage Gaspesie
New Richmond, GaspésieAdd to my favoritesRemove from my favorites
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Stays / Rates
- 7 nights
- 975 $ - 1100 $
- Yellow (without link) :
- Unavailable
- White (without link) :
- Available
Last update of the calendar : More than 6 months ago