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Going Green This Summer
Are you ever excited when something breaks down and you have to buy a new one? A weird question I know but sometimes we are just waiting for something old to break to give us an excuse to buy a new and improved, updated model. This happened to me this weekend when our old heavy, gas lawn mower had mowed it last lawn on Saturday. You know it's getting bad when your husband has to show you how to use the pliers to get it started. Not to mention what a crazy fool I felt like pulling that stubborn starter string about 20 times before it finally gave in to my desperate need of cutting my grass. It was embarrassing how long our grass had gotten and not to mention how many dandelion weeds were popping up everywhere. Well, in my defense it was the first nice weekend we have had this spring.
Boy was I excited that it finally gave up and quit working! But now what to do? What kind of mower to buy? As usual, I hopped on the internet and started doing my homework. I put in my criteria for four or more stars for the user ratings and a maximum dollar amount of $400 (way more than what my husband wanted to spend but I wanted to see what my options were). And then… There it was! A battery operated mower. Wait – What??? Ok, I had to check that one out further.
The big day arrived on Wednesday – a huge box delivered by UPS. I couldn't wait for baby to take his afternoon nap so I could open it up, charge the batteries, and put the mower together. Then I couldn't wait for hubby to get home so he could watch the baby so I could give it a try. Oh the joys of no more starter strings to pull, no more gas and oil to add, and about 40 pounds lighter!! I just pushed the button and began to mow to my heart's content – we have over a third of an acre so I got lots of practice in that evening. It felt like cheating – it was so light, push button starter, and the mulching was beautiful. Oh happy day!
Going green never was so satisfying! Now if I can just get rid of those darn dandelions…
*** Note: I mow and my husband does the weed-eating – a good trade-off for both of us. I have been known to get my legs with the darn thing a time or two so it's best to keep weed whackers out of my hands.
*** Double Note: I am not endorsing or getting paid to promote this particular lawn mower. Please do your own homework and decide which mower is best for you and your family.


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Amla C Radiant Capsules
A glowing skin reflects a healthy body, so it's natural to nourish the body to achieve a great looking youthful appearance. Amla C radiant is a perfect solution to a healthy nourished body and a young, glowing complexion. Amla C radiant works wonders on the skin with its vitamin C content along with..
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This website uses cookies, including third party ones, to allow for analysis of how people use our website in order to improve your experience and our services. By continuing to use our website, you agree to the use of such cookies. Click here for more information on ourand .
Australian Defence Magazine is proud to announce the 8th Annual Defence Estate & Base Services Summit, due to take place on 12 September 2019 at the Hotel Realm, Canberra.
The Summit's unique, interactive environment fosters effective partnering between Defence and Industry; a critical factor in achieving mutually beneficial outcomes. Combined with unrivaled insights, high-level debate and the very latest innovations designed to support our armed forces, it once again ensure an unmissable program.
For more information visit the ADM Defence Estate & Base Services Summit website here.
when & where
15 Sep 2020
Hotel Realm
18 National Circuit
Barton, ACT 2600
+61 2 6163 1800
Book accommodation with HotelMaps
To access the best available rate, book here.
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Jamie Birch
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02 9080 4360
Andrew Sinkovich
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02 9080 4008


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Wouldn't it be great for the manufacturers, if they were able to determine exactly how long a product or component would last. After all, nothing is more annoying, than if one has just conquered the market at enormous cost, e.g., through advertising, then discovers that the market is sated because of the durability of one's own products.
The expression in Latin, is planned obsolescence, which means that the product will become obsolete after a certain length of time and won't be used any longer. A lot of consumers recently suspect, that this is something which is being applied more and more by the manufacturers, to increase their earnings, even if only to ensure that their own workshops are kept busy.
Could this possibly also apply to the motor industry, who maintain any number of dedicated workshops? If e.g., you take the allegedly flexible service interval display on the dashboard, it will mercilessly remind you that you have an inspection coming up, even though your car is being very well cared for and your driving is gentle. Is it possible that the workshop itself, plays a part?!
The whole business of mistrust started with computer-printers, which suddenly stopped printing, even after being given new ink-cartridges. Then, the people who repair electric motors found out, that carbon brushes of differing lengths were being used, this affected the lifespan of the printers. Yes, you may say, but this is in the field of digital- or electronics technology.
Of course you're right, but nowadays the motor car is also packed full of the above mentioned technology. Nowadays, it is even more complicated, to manufacture economically, without the co-operation of the suppliers. And this is where we find the first hurdle in the road to planned obsolescence. Either the manufacturer and the supplier are in this together (making it difficult to change the supplier), or the supplier is acting independently, in which case, has the wrath of the manufacturers to deal with if he is caught out.
At this point, it's important that we emphasize, that we're not dealing with low-quality materials or poor workmanship, which can occasionally occur, even in premium brand-names. What we've got here, is deliberately reducing the quality of a product, making it necessary to buy a new product earlier.
Have you ever thought about how this would function? Let's try by using a rather macabre example: If you could choose, which date would you choose to die on? Now remember, once you've decided, there's no turning back, the same as it is with a product that's finally been put on the market.
Suddenly, you change your mind, you don't want to die then any more, or you're bored to tears, after waiting for years. Of course, this is simply a scenario, but it does show just how difficult it is to plan the obsolescence of a product or component. Wouldn't this be damaging to the brand-name? Perhaps one would be doing his greatest rival a big favour.
And how, e.g., on the mechanical side, could an obsolescence be built in? Is it even possible, where cars are used and cared for in so many different ways? And if it is programmed into a digital part of the vehicle's electronic system it may be discovered by hackers. With the amount of time-pressure during the development, would the manufacturer be willing the carry the extra effort and the extra financial load? 08/14


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This Plus Size Layered Pink Tulle Petticoat will fill out any short skirt! It has two layers, each of which consists of three tiers of pastel pink tulle ruffles for maximum volume. The waistband is elasticized polyester tricot. Ruffles rule!
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For several decades the FHA cash-out refinance program has helped millions of Americans with affordable refinancing with cash back opportunities that do not require as much equity as most conventional mortgages. Do you want to refinance your FHA loan into a lower rate and get cash back? How about pulling out some money to finance those long-awaited home improvements? You can possibly do both with an FHA refinance for cash out. Homeowners have the unique opportunity of gaining access to quick money with competitive interest rates guaranteed by the Federal Housing Administration if they meet the cash-out refinance requirements for 2020.
Thousands of Homeowners Benefited When Guidelines for the FHA Cash Out Refinance Loan Expanded and Rates Remain Competitive!
- Learn about Credit Standards & FHA Guidelines for Cash Back
- Talk to Lenders with Strong Reputations for Cash Out Refinance with FHA
- Check Today's FHA Refinance Rates with No Application Fees
- Review Offers and Compare Cash Out Loan Programs
This year home prices soared and mortgage rates stabilized. FHA rates for cash-back refinancing are still very low. 2019 could be a great time for you to refinance your FHA mortgage and get money back. The cash out refinance requirements continue to be eased for qualified borrowers. Keep reading for more information and current FHA refinance guidelines for cash out transactions.
More People Are Turning to the FHA Refinance Loan to Access Cheap Money in 2020
It's pretty amazing that interest rates have stayed this low for so long. Now banks, brokers and lending companies are announcing new cash-out programs that are much more aggressive than at anytime in the last decade. Today, FHA continues to insure loans with pretty easy cash out refinance rules.
Overview of the FHA Cash Out Refinance Program
An FHA cash out refinance allows you to replace your current mortgage with another mortgage, as well as get cash, if you have sufficient equity in your property. See cash out refinancing rules & examples. You will be opening a new loan with a larger balance than you have today, with the excess cash going to you. Borrowers appreciate the flexible cash out refinance requirements with respect to credit and Loan to Value requirements with FHA. This is a unique FHA mortgage, as most programs do not allow the borrow to receive money back in the loan.
What Are the Benefits of a Cash Out Refinance Mortgage with FHA?
There are two benefits for the most part: You usually get a lower interest rate, and you also get cash that you need for a variety of major purchases or whatever you want to use it for.
Getting approved for a new mortgage with a competitive pricing and cash in your hand is a unique opportunity that is only available to homeowners
The money you receive from the cash-out transaction can be used for anything, but these are the most common uses:
- Improving your home – this can be a very good idea if done right. You may be able to add value to your home and get more when you sell.
- College education costs – depending upon interest rates, you may be able to borrow money less out of your home than you would pay on a college education loan.
- Investing in real estate – if you can find good, cash flowing real estate that earns a good rate of return, this can be a really good way to add monthly income.
- Paying off debt – if you have credit card or other high interest debt, you can pay it off with home equity and usually pay a much lower interest rate.
Let's look at a quick example. If you owe 100,000 on your house, you could establish an FHA cash out loan for 150,000, if you have enough equity and you can qualify. If you had to pay $5000 in closing costs, you could theoretically get $45,000 in your pocket for whatever you want.
FHA cash out refinance loans also can be taken out for other purposes. You also can take the opportunity to get a lower rate, or move into a 15 year fixed loan. Or, you might move from a fixed rate into a lower adjustable rate.
Cash out FHA refinance loans usually have more flexible qualification guidelines. If you have a lower credit score, you will not necessarily be barred from refinancing. You also can have a higher debt to income ratio than a conventional loan and still qualify. Ask a HUD approved lender about the cash-out requirements for FHA refinancing in 2020.
FHA cash-out refinances let you open a new loan with as much as 85% of the current value of the home. Many people have trouble qualifying for that high of an LTV with a conventional loan.
Updated Guidelines for an FHA Refinance with Cash Out
If you think you want to do cash back mortgage, here are the current 2019 FHA refinance guidelines:
- Income: You need to show on paper that you have enough income to be able to pay the new loan each month. You need to have your income verified with two recent paycheck stubs that show your current and YTD earnings. You also will need to produce your W2 forms from the last two years, and may need to show your last two tax returns. This latter point is important if you are self-employed.
- Assets: You do not usually need to show reserve funds to quality and apply for an FHA loan online. But the loan officer still may request bank statements or investment account statements.
- Appraisal: To determine the FHA cash out refinance LTV, you will need to have a new appraisal done. The value of the appraisal will tell you how much money you will be able to get on the new loan. As of 2017, the maximum loan for an FHA cash out refi is 85% of the home's value. The home needs to have been bought a year or more ago, and it cannot go over the loan limits established by FHA for your county. With a FHA cash out refinance LTV at 85% that means that underwriters will verify that there is at least 15% equity left in your house after the cash out amount is calculated.
- Credit: There is no minimum FICO score needed to get a cash out refi loan. But most lenders will have their own internal requirements for your FICO score. Generally, you will need to have a score of 640 to 680 to qualify. See low credit score mortgage options. Check back for updated 2020 FHA guidelines.
More Qualifications for an FHA Cash Out Refinance Loan are as follows:
- FHA refinance loans for cash out can only be for owner occupied properties, not rental properties
- Mortgage payment history: You need to have not had any late payments in the last 12 months that were more than 30 days late
- If you have been in the home under a year, the lender will use the lower of the appraised value or the original purchase price of the property to figure what the maximum loan amount.
- The maximum FHA debt ratios are currently 29% and 41%, but you may be able to qualify for higher ratios. The first ratio is for just hour total housing payment and your gross monthly income. The second ratio includes your housing payment plus all other debt payments each month.
Considerations for FHA Refinancing with Money Coming Back to You in the Loan
Cash out FHA refinance loans have some down sides. Every FHA lien has an upfront mortgage insurance cost, as well as a monthly insurance cost. You will need to pay an upfront premium of 1.75%, and you also have to pay a variable monthly fee for mortgage insurance that often can be approximately $45 for every $100,000 borrowed. Check with an approved FHA company for current cash out refinance rues. Because of these costs, you may want to consider a conventional cash out refinance if you have a lot of equity in your home, or if you have very high credit scores.
Useful Tips for Cash Out Refinance with Low Credit Scores
An FHA cash out refinance loan is a great product for people with more average credit scores, and those who may have a foreclosure or a few late payments on their record. You should check out the FHA cash out refinance for bad credit today.
Cash out FHA refinance rates in 2018 should maintain an affordable theme. While rates have edged up over the last year, historically the rates are still low. So it is still a good time to consider a cash out refinance.
A cash out refinance allows a home owner to kill two birds with one stone:
- Get a lower interest rate than you have now. This can help you to save hundreds of dollars per month in interest charges, and tens of thousands in interest over the life of the loan.
- Pull cash out of your home. Use your built in equity to pay for things that you need, such as a new business, college education, home repairs and more.
But what if you have a low credit score? How can you do your cash out refinance with bad credit? Well, refinancing with a low credit score is not the ideal situation, but there are still ways that it can be done. You will pay a higher interest rate, but it still might be worth pulling the trigger if the loan is at least one point lower than your current interest rate. See FHA credit score requirements.
If you have low credit and still want to refinance, below are some good tips to make your cash out refinance easier:
#1 Find a Cosigner
If you have a family member with good credit who you trust (and who trusts you), that person can cosign on the mortgage. You are using his or her credit to help you to qualify for the loan. The cosigner will be responsible for paying off the loan along with you and must sign all documents to get the loan.
Getting a relative with a FICO score of over 700 and good income can make it easier to get approval for your cash out refinance. But remember – that person is on the hook for the loan. If you don't pay, he or she has to or their credit will take a big hit. Talk to a mortgage refinance lender about whether or not a cosigner is needed in your situation.
#2 Check with a Lot of Cash Out Lenders
One of the common mistakes that people will low credit scores make is to assume that because they have a 600 credit score that they cannot refinance. This is not always the case.
There are thousands of cash-out lenders in America today. Credit requirements are looser than they were in 2009. Thus you may be in a better position to refinance than you think.
For example, there are many FHA-approved lenders that have varying requirement for new home loans and refinances. FHA sets up minimum credit score requirements, but lenders may have varying requirements in terms of credit scores and incomes. It is important for you as the home owner to shop around to see if there is a lender who can help you.
#3 Consider an FHA Cash Out Refinance
The FHA loan is one of the best things that has happened to American home owners ever. Cash out refinance loans with FHA are guaranteed by the US government, so the lender is more likely to lend to people with low credit scores.
Lenders want to have a larger pool of possible home owners to work with, but they must be careful to not take too much risk for their investors. The FHA guarantee allows them to offer many more home loans each year, including those who want to FHA cash out refinance with bad credit.
FHA underwriting guidelines are more flexible than conventional mortgages, and it is easier for you to qualify with lower income and credit.
#4 Increase Credit Score
There are things that you can do to improve your credit score in only a few months. First, pay every bill on time. Make sure no credit cards or other loans are 30 days late. Ideally, pay every bill by its due date, but usually if you are a few days late, you will have to pay a late fee but it does not get reported to the credit bureaus. But never be 30 days late! This will put a big black mark on your credit.
If you have negative marks on your credit report, do your best to have everything on time for a year. This will increase your score.
Another way to boost credit fast is to pay off your credit cards. If you get rid of $5,000 in credit card debt, your score can go up at least 40 points in many cases.
Also consider becoming an authorized user on a credit card that someone you know has who has good credit. Some credit cards, such as Discover, will report on time credit card payments on your credit report if you are an authorized user on someone's account. Be sure that person has good credit and is reliable!
There are more options today than five years ago to do a cash out refinance with a low credit score. We recommend that you consider the cash out rules discussed and try the tips outlined above to get a refinance today for the money you need.
It is very important to speak with approved FHA lenders that have experience with cash out refinancing.
Pros and Cons of the FHA Refinance for Cash Out
Home owners with an FHA lien have two major loan refinance options. The first is the streamline refinance, and the other is the FHA cash out refinance.
The streamline refinance with the FHA loan is a good move for the home owner who has a higher rate mortgage and the current interest rates are more than .5% or so below your rate.
A streamline refinance can be done with minimal paperwork and can be completed in a few weeks. The streamline refinance program is strictly a rate and term refinance option and does not allow borrowers to receive cash back.
The other option is the FHA cash out refinance loan. This loan gives you cash in your hand when you refinance to a lower interest rate. You will open a new loan with a larger balance than what you owe now. The excess money is your equity and it goes to you.
However, like any cash our refinance loan, the risk is higher for the lender. So, the FHA refinance for cash out does require full documentation. If you are considering an FHA refinance for cash out, keep reading to learn the pros and cons.
Pros of an Cash Out FHA Refinance
The biggest benefit of a cash out refinance with FHA is that you will get the cash that you need for various expenses. The funds can be used for many things that people need a large amount of cash for. The most popular uses are:
- Improving the home – this can add value to the property if it is done right
- College costs – the interest rate on a home loan is often much less than a college loan
- Consolidate your credit card debt – most credit cards have a rate of 18% or higher. You can save thousands in interest in some cases by using your FHA cash out refinance proceeds. This only makes sense however if you have the financial discipline to not run up the cards again!
- Invest – if you can find real estate or another investment that you are confident will pay you an interest rate above what you pay on the loan, this can be a good financial move
- Paying for medical costs – health care in the US is very expensive, and you may want to pay for a major medical expense with a low interest home loan
Here is a simple example of how an cash out FHA refinance loan works. You might owe $100,000 on your house, and you open an FHA cash out refinance loan for $150,000. If your home has enough equity and you can qualify, you may be able to get $45,000 in your pocket after closing costs.
One thing borrowers love is that the FHA cash out refinance LTV is 85%. So, that means an applicant only needs 15% home equity after the cash-back is factored in.
Another possible benefit of the refinance loan is that you can potentially move from a 30-year to 15-year loan, or from a fixed to an adjustable loan, or vice versa.
Cons of an FHA Refinance for Cash Out
Every financial move usually has downsides, and the FHA cash out refinance is no exception:
- All new loans have closing costs. Your new loan will have several thousand dollars in closing costs. It is up to you whether you want to pay those out of pocket or with a slightly higher interest rate over time.
- All FHA financing has a requirement for upfront mortgage insurance and a monthly insurance premium. The upfront cost is 1.75% of the loan amount. The monthly amount is .80% of the amount of the loan per year. So, this could be $67 for every $100,000 you borrow. Also, monthly mortgage insurance on FHA loans today must be paid for at least 11 years, not just five as in previous years
- If you have more than 20% equity, you may want to consider refinancing into a conventional loan, as there is no PMI requirement
Breaking Down the FHA Cash Out Refinance Guidelines, Rules and Standards
Because you are pulling out cash, you are required to show that you have sufficient income to pay the new loan amount. According to the FHA cash out refinance rules, the borrower must have their income verified. This will require recent pay stubs, W-2s for two years, and sometimes tax returns for the last two years. Also, you must typically have your assets verified in the form of investment and bank statements.
Next, the home has to be appraised to see if the home has sufficient current equity to serve as collateral for the loan. The current maximum loan amount for this type of loan is 85% of the value of the home. Some states may limit your loan to 80% LTV.
Regarding credit, you need to have a bare minimum 500 credit score. But you will usually need to meet higher credit standards of the individual lender. Expect to need a credit score of 620 to 680 and the higher the better.
To qualify for cash back refinance with FHA, you cannot have been late over 30 days on more than one payment in the last 12 months. The current mortgage has to be at least 180 days old.
Getting cash out with a FHA refinance loan often makes a great deal of sense. If you have a good reason to get the money, this is one of the best, low interest loans that you will ever be able to get.
FHA Offers Unique Opportunities to Homeowners Seeking a Cash Out Refinance Mortgage
In 2020, homeowner's have more equity in their home than any time in history. The Federal Reserve states that homeowners are sitting on more than $15 trillion of equity in their homes. This is an all-time high. Many homeowners are thinking about how to tap that equity for things they need, such as home improvements, paying off debts or other financial needs.
The good news is if you have an FHA loan, you can do a cash out refinance that allows you a loan up to 85% of the home's current market value. You just take the difference between the current amount of your loan and the new loan amount in cash.
Even a borrower with a lower credit profile can qualify, even if they were unable to get a home equity loan or a cash out refinance conventional loan.
Overview of FHA Cash Out Loan
With your FHA loan, you can turn your home's equity into cash in your pocket quickly. FHA credit and loan to value guidelines have more flexibility than conventional loans, so you can tap into more of the equity that you need. Conventional refinance loans offer cash out options too. But the homeowner needs to have a higher credit score and more equity in their property to get access to it.
With your FHA cash out loan, you can pay off any type of loan, plus take equity out of the home in the form of cash or have it wired to an account. The most common uses for equity in an FHA cash out refinance are:
- Home renovation projects
- Credit card pay off
- Auto loan payoff
- Refinance student loans
- Prepay tuition for college
- Pay off personal debts
How FHA Cash Out Refinance Works
With your FHA cash out refinance, you will open a new FHA loan to replace the current one. Unlike an FHA streamline, you do not need to refinance a current FHA loan. You might have a subprime, ARM, conventional or other type of loan, and replace it with a new FHA loan.
Also, you can turn the equity in your home into cash that you can spend. Here is an example: Say the current value of the home is $200,000. The new FHA loan is for $170,000 which is 85% of its value. Your current loan is $140,000. Minus $3000 or so in closing costs, you should be able to receive $27,000 in cash.
The maximum loan to value is 85% for these loans, so you need to have a solid amount of equity to tap it. This loan is a good option for people with a good amount of equity, but do not have the credit score to get a cash out with a conventional loan.
Conventional Loan vs. FHA Loan Cash Out
The FHA cash out loan is a good product, but one thing you have to remember is the mortgage insurance with the FHA loan. FHA loans require both upfront and monthly mortgage insurance premiums. These are as follows:
- 75% of the new amount of the loan upfront, which is wrapped into the new loan
- .80% of the amount of the loan each year, paid in 12 installments with your monthly mortgage payment
This is $1750 up front and $67 per month for each $100,000 you borrow. In return for this mortgage insurance cost, you have more credit score flexibility and a higher LTV than a conventional loan. Note that conventional cash out refinances do not have an upfront or monthly mortgage insurance requirement.
To qualify for an FHA cash out refinance loan, you need to have made your last 12 months of payments on time. If you have been in the home less than a year, you must have made a minimum of six payments on your current loan.
Another good aspect of cash out refinance loans insured by FHA are the rates. Because of the strong government backing of these loans, lenders can issue these loans with less risk. So, you often find the rate for FHA mortgages could be at least .5% less than for a conventional loan.
In general, the FHA cash out refinance loan is a good option for people who want access to their cash but have a lower credit score.
- Tap into Home Equity with an FHA Cash Out Refinance 2017. (n.d.). Retrieved from https://mymortgageinsider.com/fha-cash-out-refinance-guidelines/


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- Prep School
- Handbooks
- School Life
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Learning an additional language
Learning to speak another's language means taking one's place in the human community. It means reaching out to others across cultural and linguistic boundaries. Language is far more than a system to be explained. It is our most important link to the world around us. Language is culture in motion. It is people interacting with people.
– Savignon (1983)
Language is fundamental to learning, thinking and communicating; it's a dynamic, life-long process that permeates the whole curriculum. At Scots College, we share this philosophy of the International Baccalaureate (IB), and are committed to provide a language programme within the context of an international education.
Learning a second language is a key component of the PYP and is considered essential to an international education and for enriching intercultural understanding. Through the learning of another language, students are encouraged to not only develop their ability to speak more than one language but also to broaden their understanding and appreciation of their own and other cultures, and to learn to live in a multicultural society like New Zealand.
The Spanish language programme aims to enable learners to:
- Lay a basic foundation for their future conversational skills
- Develop their use of basic Spanish language
- Further develop self-awareness and a sense of personal and cultural identity
- Prepare for a broader range of experiences in future use of the language in social and cultural activities, including leisure, work and study
- Increase awareness of the multilingual and multicultural nature of New Zealand and other societies
Through a variety of teaching and learning experiences the students are encouraged to use the language to communicate through:
- Participating in simulated and, where possible real situations related to the practical aspects of everyday life
- Seeking out and understand factual information conveyed orally, visually or in writing
- Developing communication strategies
- Developing strategies for expanding knowledge and skills in the language and for increasingly managing their own language


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Nicola commenced on the FMG Executive Committee in 2004, she has been an active advocate for the group over many years which includes the role of Secretary for a couple of terms. Whilst not a current member of the Executive Committee, Nicola remains a member of the Seminar Workgroup, a role she thoroughly enjoys. In recent times Nicola has presented twice at FMG conferences, and has been involved in a number of initiatives such as the:
Nicola has also participated in the development and review of a number of information papers prepared by the LGA.
Nicola hopes to continue her role with the Seminar Workgroup and will remain a strong advocate of the FMG, but it is now time for another member from Unley to gain the benefit and support of being part of the Executive Committee of such an active and well respected Group.
Annette commenced on the FMG Executive during November 1999, later filling the Secretary and Vice President roles for a number of years. From 2010 to 2014 she became the Group's longest serving President.
Annette was and still is a member of a number of the FMG's working groups and has been involved in key projects such as the:
As Chair of the Internal controls working group, Annette led the team in developing the Better Practice Model for Internal Financial Controls. This project was awarded the LGMA's 2013 Excellence Award for Leadership in Financial Management.
During the year, the FMG Committee considered and endorsed the sole nomination it received for Honorary Membership. In accordance with the Group's Membership Policy, Honorary Membership is available to any individual who has made a significant contribution to the SALGFMG, both members and non members are eligible. This year, the Group has granted honorary membership to David Hope.
In this time on the Committee, David was:
David has also served as a:
John is retiring from the SA public sector next week after 46 years service and currently serves on the Audit Committee of two Government Boards.
John has been a passionate supporter of improving financial management in the Local Government sector.
Over the last 15 years, he has played a key role in a range of initiatives in close collaboration with the FMG (commencing with major changes to the financial management and rating provisions of the Local Government Act when the Act was completely re-written in the late 1990's).
John is unusual in that he is employed by the Department of Treasury and Finance, but, for the last 8 years, effectively has been outsourced for a significant part of his time to the former Office for State/Local Government Relations (OSLGR) and the LGA - to work on Local Government financial sustainability and related reforms.
John has worked particularly closely and successfully with the FMG on the Local Government Financial Indicators, the Model Financial Statements, the Financial Management Regulations, and the current push for Local Government fees and charges to be set at levels to recover the full cost of related Council services.
Over many years, supported by funding made available by OSLGR, LGA and the Commonwealth, John has also worked closely with many small rural councils to provide them with capacity to participate more fully in a range of financial reform initiatives.
Cleve joined South Australian Local Government in 1989 as the Management Accountant for the City of Unley and became a Committee Member of the Local Government Financial Management Group (FMG) soon after it was formed. He was a Committee Member for around 14 years, serving as the Secretary/Vice President for about eight years and President for two years.
He worked on many projects and found it rewarding being part of a team where everyone contributed to advancing the objectives of the FMG. Because Committee Members had full time workloads there were many breakfast and after hour's meetings to discuss Committee work. He found the benefit was not all one way because he and his council were kept up to date with the latest developments in Local Government and the FMG was influential in guiding many new initiatives that were being introduced such as AAS27.
Cleve left the Committee in 2003 when he travelled to South Africa to assist their National Government in reforming South African Local Government. He remained a member of the FMG during this time (4.5 years) and used his experience with the Group to assist forming a similar group in South Africa. When he returned to South Australia in 2007 he set up his own business and it was not long before he was undertaking projects for the FMG and in particular worked on the internal control framework and pilot projects undertaken in rural councils.
Justin was a member of FMG executive for 6 years, 3 of those as president commencing in 2002. Justin's term on the Executive especially as President was at the time of the LGA Financial Sustainability Inquiry and the 68 recommendations which at the time, he provided leadership, involvement in, or responsibility for, significant change that emanated from those Inquiry Recommendations.
He was involved in or had oversight of projects such as:
He gave Presentations at CPA Graduate Careers Conferences and Careers and Employment Expos promoting Local Government's "Shape Your World" opportunities to over 500 graduate and/near graduate Accountants.
He established strong relations with the LGA, Office LG/State relations and LG Corporate Services during this reform period as well as forging a relationship with the LGMA to provide establish a Joint Professional Secretariat. Justin Commons as President left very big shoes to fill.
Peter was an inaugural member of the FMG Executive back when it started in 1989 and so have served on the Executive for over 20 years .He has served in a number position including President over that time and has provided leadership, guidance and support for a myriad of projects, particularly on asset accounting and management issues and more particularly worked on the steering committee of IPWEA for the Australian Infrastructure Financial Management Guidelines. He represented FMG on OLG/LGA Accounting Committee and the National Local Government Financial Management Forum for a number of years. He also played an integral part in the development of the LTFP model and financial sustainability indicators.
He is currently Chair of the Seminars group and has contributed to the high standard of our conferences, particularly the food and wine!
I think we can all be especially proud of the wine selections he has made and we have enjoyed over the years.
Peter is almost an icon in the world of LG finance and I trust he will continue with his role on the Executive for many more years.
PO Box 172 Smithfield SA 5114
Tel: 0408 801 026


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When she began raising alpacas on Coats High Ridge Farm southwest of Columbia, Linda Coats figured she ought to do something with the animals' leftover sheared fleeces.
With great, puffy mounds of the small South American llamas' wool-like fiber to work with every spring, Coats took up spinning and weaving eight years ago. She began to make her own yarn, then hats, shawls and scarves. The naturally-colored clothing is loose and thick for warmth, with fringe edges that give them a comfortable, slightly Western appeal.
The alpaca fiber is ?much softer, lighter-weight and warmer than wool,? she said. Coats, 50, who used to raise miniature sheep before she discovered the benefits of alpaca fiber, said customers who claim an allergy to wool find no trouble sporting an alpaca shawl or scarf.
She also said the discomfort some experience with wool often comes from the harsh chemicals used to treat the material. Woven on a traditional triangle loom, her creations come in natural colors and patterns untreated with chemicals, reflecting the blacks, grays, creams and neutrals of the alpacas' coats.
On their 20-acre farm, the Coats also raise quarter horses. ?I was raised in the city? in Columbia, ?but my grandparents had farms, so I enjoyed spending time on the farms,? she said. ?I've always had an interest in art, and I think the colors of nature inspire my artistic endeavors.?
Coats, who works as the fiscal officer at the University of Missouri Career Center, also sells her products at a number of local festivals, such as the Boone County Fair and the Heritage Festival. She is one of the Beaux Arts Bizarre veterans who has participated since the very beginning. ?I enjoy spending the weekend with the other artists � a very friendly, creative group of people,? she said.
Reach Lindsey Howald at (573) 815-1731 or firstname.lastname@example.com.


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Fig. 16. Left ventricular M-mode dimensions. M-mode delivers superior image resolution compared to 2D, but variations in cardiac topography and morphology frequently leads to off-axis measurements. Some newer instrument models are equipped with software for postprocessing (measuring M-mode from selected 2D images) to overcome this frequent pitfall. However, it is logistically simpler to obtain 2D measurements—"leading edge to leading edge"—during image acquisition as shown.
apical four-chamber view
The examination proceeds to the apical position, with the index mark at approx 3 o'clock position (Fig. 31). The apical four-chamber view is then visualized and optimized, initially at a depth 20-24 cm, and then 15-16 cm for better visualization of cardiac structures (Figs. 32-34).
Depth is then further decreased to visualize the left ventricular apex (Fig. 35A). This is important when looking for apical thrombus.
Next come color flow Doppler (Fig. 35B) assessment of the MV for regurgitation followed by PW Doppler to the pulmonary vein , usually the right upper pulmonary vein (Fig. 35C,D).
Mitral inflow (left ventricular inflow) is assessed by PW at the level of the tips of the mitral leaflets (Fig. 36A) to assess velocities and the E/A ratio. This is followed by CW Doppler across the MV.
Tissue Doppler imaging (or Doppler tissue imaging) at the mitral annulus (lateral and septal Fig. 36B) with the velocity scale set at 20:20 (Fig. 36C,D) is then performed.
RV function is evaluated by systolic function assessment (see Chapter 4) color Doppler and CW across the tricuspid valve to assess tricuspid regurgitation (Fig. 37).
apical five-chamber view
Superior angulation of the tranducer toward to aortic valve level brings the aortic root into view (Figs. 38-40).
The aortic valve is visualized and color Doppler applied to assess aortic insufficiency.
Color flow Doppler application reveals flow along the interventricular septum, the left ventricular outflow tract and the aortic outflow (Fig. 40B).
PW Doppler interrogation along the interventricu-lar septum from the apex to the valve can detect intracavitary gradients including dynamic left ventricular outflow tract obstruction (Fig. 40C). CW Doppler across the aortic valve detects peak transaortic gradients (Fig. 40D).
In suspected or existing aortic stenosis (see Chapter 11) the following measurements should be performed: PW measurement is acquired at 1 cm below the aortic valve. The "freeze" function is applied and the spectral Doppler envelope is traced to quantify the velocity time integral (TVI or VTI). CW Doppler across the aortic valve is then performed and its TVI measured. From these, the aortic valve area can be calculated using continuity equation.
apical two-chamber view
Counter-clockwise rotation of the transducer as shown in Figs. 41-43 permits visualization of the apical two-chamber view.
This view permits the best visualization of the infer-oposterior ventricular wall.
Color flow Doppler is applied to assess for mitral regurgitation and additional measurements, e.g., tissue Doppler can be performed (Fig. 43).
apical three-chamber view
Further anti-clockwise rotation of the transducer (with the index mark pointing toward the right shoulder (Fig. 44) permits visualization of the apical three-chamber view (Figs. 45-47).
Color Doppler application (Fig. 48) can reveal aortic and mitral regurgitation.
subcostal views
Proper patient positioning for subcostal imaging are shown in Fig. 49A,B.
The knee-flexed position relaxes the upper abdominal muscles and breath holding at end-inspiration moves the heart closer to the transducer thereby improving visualization (Figs. 50 and 51).
Several views are obtainable from the subcostal position, but the subcostal four-chamber view is recommended in the standard examination.
Tricuspid and mitral regurgitation are well visualized on color flow Doppler, and the interatrial septum is then evaluated for a patent foramen ovale or an atrial septal defect (Fig. 52).
Anti-clockwise rotation of the transducer permits visualization and pulsed Doppler examination of the IVC, the intrahepatic veins, and the upper abdominal aorta (Fig. 53).
suprasternal views
With the patient supine and the neck extended the standard transthoracic examination concludes with the suprasternal examination (Figs. 54 and 55).
This includes the application of color Doppler and pulsed Doppler to the descending thoracic aorta (Fig. 56). Coarctation of the aorta can be visualized in this view.
Tricuspid valve
Anterior leaflet -Septal leaflet -Posterior leaflet
Fig. 18. Anatomical sketch: right ventricle inflow scan plane.
Tricuspid valve
Anterior leaflet -Septal leaflet -Posterior leaflet
Fig. 18. Anatomical sketch: right ventricle inflow scan plane.
examination report
The examination report follows recommendations outlined by the America Society of Echocardiography.
The standard report format includes patient demographic data, echocardiography evaluation— comprising semi-quantitative and quantitative measures, Doppler assessment, and wall scoring (Figs. 57-59).
Optimal image acquisition in 2D echocardiography is the foundation for accurate assessment and interpretation.
Familiarity with the normal transthoracic examination serves as the basis for interpreting abnormality.
Additional components and applications of 2D transthoracic echocardiography are addressed in the chapters that follow.
Posterior papillary muscle
Inferior wall
Septal leaflets?* (tricuspid valvef *
Coronary sinus -orifice
Eustachian valve -
Posterior right atrial wail
Inferior vena cava (IVC)
- Right ventricular free wall
, Anterior leaflet (tricuspid)
Superior vena cava (SVC)
Posterior right atrial wail
Inferior vena cava (IVC)
Right ventricular inflow
Fig. 20. Annotated right ventricular inflow view.
Fig. 20. Annotated right ventricular inflow view.
Color flow Doppler 0
i ßrightm 1 WccnttM rtoipllí*
2:20.57 pm Trec-5 5wc h4,0f1Hz 1 ZOiiifii iijlfrf» ■T^rtril
Hfi3 59bpm Sw»«p-100nniA
Color-guided CW Doppler
2.5 m/s%—Peak tricuspid regurgitant velocity cw
Doppler N LA
Pulmonary 7| regurgitation velocities (peak 1.0 m/s) I
Pulmonary ^ Systolic jet Artery (PA)
Fig. 21. Right ventricular (RV) inflow and outflow. Color Doppler still frame of the RV ventricular inflow (A) at end systole. Color Doppler should guide Doppler examination across the tricuspid valve. Mild tricuspid regurgitation—a finding in normal individuals— was detected on color Doppler. The resulting spectral Doppler profile shows peak tricuspid regurgitant velocity measuring 2.5 m/s (B). Color Doppler applied across the right ventricular outflow tract/pulmonary artery (C) shows peak ejection velocities of 1.4 m/s on continuous-wave (CW) spectral Doppler (D) with mild pulmonary regurgitant velocities of 1.0 m/s. (A,C, see companion DVD.)
Fig. 22. Patient and transducer positioning: parasternal short-axis view (PSAX).
Right coronary cusp x
Anterior tricuspid, leaflet
Interatrial RA septum
Non-coronary' cusp or
-Free wall (RVOT)
Pulmonary valve
Pulmonary artery (PA)
Left coronary cusp
.Left atrial appendage
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After a few months with this device, and a couple months with the iPad Pro, we have a few new feelings on the iPad mini 4. In short, we find that the value of this mini offering is greater than it might have been otherwise. As the iPad Air 2 ages, by the calendar, if not in function or capabilities, the newer iPad Pro and iPad mini 4 pairing make for a compelling combination of portable computing.
The addition of the iPad Air 9.7 to the mix has changed our opinion once again. We've downgraded our idea of getting the iPad Mini 4 and the iPad Pro in favor of using simply the iPad Pro 9.7 as a single tablet experience. In addition, if you are looking to purchase now, do stay tuned to the rumors that the iPad mini 5 may be just around the corner. Stay tuned in October 2016 for more details.
Original Post September 26, 2015: September 9th was a pretty big day for Apple, not only did they announce their largest iPad ever, the iPad Pro alongside a few new smart accessories, a couple new iPhones and more, they also released their latest mini sized table. We've got it here for you to enjoy, this is the new iPad Mini 4.
According to many, Apple all but took a year off of building an effective mini sized tablet. We still think that the 2014 released, and now retired, iPad Mini 3 is a great device, but the new iPad Mini 4 is a true step up from the previous iterations.
The look and feel of the iPad Mini 4 will be familiar to most iPad users. The new tablet does not look to change Apple's notions of what a tablet should be, but they did manage to shave some thickness and weight.
Measuring in at just 6.1mm thick, the iPad Mini 4 relies on that familiar full metal back for rigidity and strength. Still curving around the sides, the metal meets up with the full glass front panel, housing the Home button with fingerprint scanner at the bottom, 7.9-inch display in the center and front facing camera up at the top.
Available in three familiar to Apple colors on the back, Silver, Space Gray and Gold, the front of the device is complimented by either a white or black surface, depending on your main color choice.
I feel I should note that the iPad Mini 4 does feel pretty good in the hand, but still suffers from that sharp edge at that polished front of the metal. This is not a real problem, but it does become noticeable after long periods of use.
Apple decided to stick with a good thing when it comes to the display. Not to imply that there are not any advancements here, but the actual display panel remains the same as in the last two iterations in the iPad Mini line. The iPad Mini 4 packs a familiar 7.9-inch display with 2048×1536 pixels in resolution.
With 326ppi staring you in the face, the only thing Apple needed to do to the Mini line was update the glass. You will find the same fully laminated glass with anti-reflective coating on the iPad Mini 4 as is found on the iPad Air 2 and the upcoming iPad Pro. At least in this category, the new mini tablet is now playing with the best of them.
Colors are bright and clear, and in all honesty, they are a step above the iPad Mini 3. Overall display brightness exceeds the previous gen tablet's capabilities and viewing angles are on par with the best displays out there. The ambient light sensor adequately keeps display auto-brightness running optimally, with only a few minor adjustments required in the harshest of lighting situations.
As you might expect from a brand new Apple product, overall performance of the iPad Mini 4 is superb. For day to day computing, things are as fast as can be, if you push things hard with your favorite game, you will be able to notice that it is, indeed, a little slower than the iPad Air 2.
See for yourself: iPad Mini 4 vs iPad Air 2
Clocking along is the Apple A8 chipset, said to be 1.3x faster than the A7 in the previous mini, with 1.6x faster graphics processing. Once again, you'll need to go beyond basic web surfing and watching your favorite videos on YouTube before you see the speed bump over the iPad Mini 3, but it's easily noticed with heavier applications.
See for yourself: iPad Mini 4 vs iPad Mini 3
The last thing I should talk about before closing out the performance section is the new internal speaker. Now, to be clear, I do not know if Apple actually updated the speaker, the software or what, but sound quality is greatly improved over the older iPad Mini 3. You'll find a nice volume boost as well as much clearer audio output, deeper bass and crisp highs. We're still talking about a single downward facing speaker here, so don't expect any magic, but side-by-side the Mini 3, the new tablet is a great improvement.
With the slight bump to processing comes an unexpected drop to battery capacity. The iPad Mini 3 rated at 6350 mAh, and the new iPad Mini 4 drops to just 5124 mAh. This is an unconfirmed rating, from a device tear-down. We have other reports that the battery is actually a tad larger, coming in at 7471mAh, so do not be surprised when we come back and update this at a later date.
In the end, Apple claims the same overall battery life for each tablet, advertising about 10 hours of use per charge. We plan to put the batteries to test soon, but for now, we can say that our regular usage is experiencing the claimed screen-on time, getting us over 4 hours of lit screen and losing almost nothing during the night when the device is not in use.
Apple made a smart move in deciding which camera sensor to install. Instead of sticking with the same old 5MP iSight camera that we've seen on Apple devices for years now, they've installed the newer 8MP sensor. The same one that is in the iPad Air 2 and the newer lines of iPhone.
Image quality is great, as we've come to expect from Apple. Admitting that the 8MP sensor is far short of the 21MP sensors you'll find on many Android devices, Apple proves that there is more to a great photo than just a pixel count.
We can tell you that color reproduction feels very heavy on the red, but otherwise looks pretty good, that noise levels in low light situations is better than acceptable but still easy to see and that video capture is similar while mostly clean and smooth, but we would really rather just show you in the following image gallery.
Quick Note: I handed the device (and the iPad mini 3, as you'll see in our VS post) to an individual that did not take any time to ensure the best lighting or photo subjects, they just snapped away the same as they would with their own device, using the absolute default settings (and HDR) of the camera app on the iPad Mini 4. Most shots are indoors, some through glass, and all with varying lighting types and quality. No awards will be won with these photos, but, as I hope you gather, my point is that these are the sorts of final images and quality the average user will produce.
iOS 9 has been available as a beta release for a few months now, and has gone to full official release this past week, but the iPad Mini 4 is the first iPad to ship with the new OS straight out of the box. Instead of going on about iOS 9 and its great new features, let me steer you toward our full iOS 9 review.
With that out of the way, the iPad Mini 4 offers a very smooth and fluid experience. I know we've said this about almost all of the iPads lately, so you can be sure that the new power under the hood of the new tablet is worth its weight in gold when navigating the OS. Your normal tasks will not see any major speed increases, but frequency of hangups and stutters is far diminished, at least in our testing.
|7.9-inch display
2048x1536 resolution, 326 ppi
|Apple A8 processor
M8 motion coprocessor
|8 MP rear camera
1.2 MP front-facing camera
|Wi-Fi a/b/g/n/ac
Optional LTE
Bluetooth 4.2
|5124 mAh
|iOS 9
Pricing and final thoughts
If you were on the fence about purchasing the iPad Mini 3 because of its somewhat minor updates from the iPad Mini 2, you will not be disappointed with the new iPad Mini 4. The same basic aesthetics and overall user experience is here to stay, but the power boost and update to the new 8MP camera should be enough to warrant an upgrade.
Pricing is fairly predictable out of the Apple camp, starting the iPad Mini 4 at $399 and topping out at $729 for the current highest capacity model, with LTE.
|$399 WiFi
|$499 WiFi
|$599 WiFi
There is little more to say here folks, the iPad Mini 4 is going into our books as one of the best tablets that you can get your hands on today.
There is the obvious OS constraints, in that an avid Android user with extensive Google Play library would have a hard time getting into the flow of the iPad, but for those of you looking for a great iOS powered device, at least one that can slip into a large pocket or purse for easy mobility and handling, we can safely recommend the iPad Mini 4 for purchase.
Update Feb 2016: As we've mentioned above, the iPad mini 4 has a slightly inflated worth thanks to the iPad Pro. Where the iPad Air 2 previously offered the best of both worlds, being a large size and portability, the new combination of the iPad Pro for productivity tasks and large screen entertainment along with the iPad mini 4 rocking your portable computing needs, where we might have once recommended the slightly more powerful iPad Air 2, we now feel the iPad mini 4 is a better investment. That is, if you can also handle an iPad Pro on your budget.
We have to now take the iPad Pro 9.7 into consideration, if nothing else, we have to consider that the introduction of the new pro tablet marked a price reduction for the iPad Air 2. The crazy thing is that the more powerful Air 2 is now the exact same price as the iPad mini 4 at the Apple store. Size requirements aside, if you are looking for the best bang for the buck iPad, there's a really good chance the iPad Air 2 will appeal to you.
Please do not think this is an attempt to belittle the iPad mini 4,. The smaller iPad is still one of our favorite tablets, and there is no question it tops most lists when comparing 8-inch tablets, if that is what you're after, the iPad mini 4 is a great device for you. However, if you've only been considering the smaller tablet based on price, and do not need the power in the pro line, take a look at the iPad Air 2 before you spend your money.
Further reading:
iPad mini 4 cases
iPad mini 4 keyboards
Best iPad mini 4 Accessories
What do you think so far, is the iPad Mini 4 a beacon of Apple technology, or just another minor update to a dying segment of tablet computer?


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While there are many good reasons to update to Apple's newest mobile software, a bug has made it to where you may want to double-check your iCloud settings after doing so.
Apple issued a warning to select users today, stating that a bug in the iOS 10.3 update caused some disabled iCloud features to be re-activated. A MacRumors user shared the email they received about the bug:
We discovered a bug in the recent iOS 10.3 software update that impacted a small number of iCloud users. This may have inadvertently reenabled some iCloud services that you had previously disabled on your device.
We suggest you go to iCloud settings on your iOS device to make sure that only the services you'd like to use are enabled.
Learn more about how to manage your iCloud settings or contact AppleCare with any questions.
The iCloud team
After the user checked his settings, he found Mail, which he usually has turned off for iCloud, was indeed activated.
According to MacRumors, it isn't clear how many users have been affected by this issue. We'd recommend checking both your iCloud settings and your email, to see if you've received a message from Apple.
Even with this inconvenience, we would still highly encourage updating your iPhone if you haven't already. iOS 10.3 was designed to correct some nasty hacks and bugs, so make sure you update to protect yourself.
Want to help support Gadget Hacks and get a great deal on some sweet new tech? Check out all the deals on the new Gadget Hacks Shop.


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Each October, the Indiana Auctioneers Association hosts their annual IAA Marketing Awards. These awards cover key marketing categories such as postcards, brochures and catalogs, newspaper and magazine print advertising, public relations, digital and social media, and photography. Auction teams from across the state submit presentations to showcase their marketing efforts—this year there were 394 entries.
Wilson Auctions is proud to announce that we were selected as winners in four different areas in two categories:
Category 1—Postcards
– Winner of Best Development Land Real Estate
– Winner of Best Commercial/Industrial Real Estate
Category 2—Digital and Social Media
– Winner of Best Company Website
– Winner of Best Online Advertising Campaign
We would like to thank the IAA for selecting Wilson Auctions as recipients for these awards, as well as other individuals and groups who have helped us build and maintain success as a leader in auction services.
The Indiana Auctioneers Association is dedicated to improve the quality and efforts of the auction method of marketing in the state of Indiana. To learn more about the Indiana Auctioneers Associate, visit their website. You can also view a complete list of winners of IAA Awards.


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Take Action – The Greenhouse Project
We are praying and believing for $4000 to help us build a greenhouse.
The food grown will provide proper nourishment for our patients and employment opportunities for rehabilitated patients who are able to participate. This greenhouse plays a small role in a big picture vision of bringing healing to those affected with leprosy. You too can play a role in this project and make a difference today.


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With so many shower heads to choose from, how do you pick the best one? Use this Buying Guide to learn more about the different shower head types, experiences and spray settings.
Explore below to learn more
about each type of shower head.
With an additonal reach offered by a 5-ft hose, hand held shower heads offer you more options.
Fixed mount shower heads are a great choice if you prefer a clean, modern look to your shower.
Dual shower head combos combine two separate shower heads into one convenient shower design.
The Hair Wand features a PowerComb® spray for scalp massage, thorough rinsing and muscle tension relief.
Explore below to learn more
about each type of shower experience
Enjoy the sensation of a more powerful shower and learn how you can maximize water force.
Low flow shower heads are engineered to save water and money without sacrificing a powerful shower experience. Standard shower heads use 2.5 gallons of water per minute (gpm). WaterSense® qualifying low flow shower heads use 2.0 gpm or less and meet EPA efficiency and performance criteria.


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The Chipping Norton Tea Set
Country Idyll loves The Chipping Norton Tea Set, great atmosphere, great food and cake and of course we can take our doggy friends along for the enjoyment!
A New Kind of Tea Rooms
The Tea Set "A New Kind of Tea Room in the Cotswolds". Owner Victoria set out to create a Cotswold tea room that was different from the many tea rooms already out there in the area. One where produce is fresh and, (where possible) local, one where items on the menu are freshly made on site and created with great love of the British tradition that is Tea and Cakes and one where a cosy atmosphere is created for visitors to enjoy whether they're there for a quick coffee, Afternoon Tea or anything in between.
We carry a standard stock of English Breakfast, Afternoon and Earl Grey tea together with filter coffee, but please just ask when booking if you'd like anything else and we will endeavour to fulfill your wishes.
Based in the heart of the Cotswolds, The Chipping Norton Tea Set offers bespoke vintage tea parties for all occasions. Whether at your home or outside venue, whatever the celebration or time of year, we provide it all
Tea Parties
For parties of 20 and under we deliver everything to your door, set up our beautiful vintage china and linen, add your choice of food and leave you to it! We come back after a couple of hours to clear the table, pack everything away and leave you to enjoy the rest of your day!
Wedding Receptions
The Chipping Norton Tea Set specialises in vintage weddings. We can cater for up to 150 guests at the venue of your choice. Marquees are a very popular choice, offer a lot of space and are perfect for a beautiful summer afternoon, but quaint village halls can also look fabulous once they are decorated with pretty bunting,gorgeous flowers & home made favours.
Dog Friendly
We have tearooms in both Chipping Norton – 24 High Street, Chipping Norton, Oxfordshire, OX7 5ER – and Broadway – 1 The Huntings, Church Close, Broadway, WR12 7AH – we offer a free dog biscuit – Kipsters.co.uk, handmade and fresh – and limitless water. Dogs are allowed inside our tearooms as well and out, so they can come along even when its cold or wet!
Chipping Norton, Oxfordshire & Broadway, Worcestershire
07967 833 979 www.chippingnortonteaset.co.uk


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Just invest Rs.3000/- and get genuine Home Based "Ad posting" work of our Company. You can earn maximum uptoRs. 4,000/ to Rs.12000/- monthly. We are also provided other Part time job, Mobile SMS Sending job, Marketing job, E-mail Reading job. For more Details visit our Website www.appoloadvertisers.com Send your Resume on email@example.com&Contact us@ 8658099977, 9438668465, 9853258880.
Job I.D.:-AKMS 1110
|add to favorites
|"Part Time Data Entry job".
Just invest Rs.3000/- and get genuine Home Based "Ad posting" work of our Company. You can earn maximum uptoRs. 4,000/ to Rs.12000/- monthly. We are also provided other Part time job, Mobile SMS Sending job, Marketing job, E-mail Reading job. For more Details visit our Website www.appoloadvertisers.com Send your Resume on email@example.com&Contact us@ 8658099977, 9438668465, 9853258880.
Job I.D.:-AKMS 1110
|add to favorites
|work daily one hour online & earn daily Rs.200 to 300
|SMS Sending, Email sending, Client feedback sending job,Copy & Paste job, also known as Ad Posting is one of the most amazing way of making money online. this work simply includes copying and pasting of contents on some classified websites like Quikr.com, Clickindia.com, Olx.in, Sulekha.com etc. The content that needs to be copied is provided by the company and also the list of classified websites will be provided by the company. All you need to do is spend time Posting Ads on the classified websites. Since this opportunity is purely a Job, you get paid for every single Ad posting done by you. For more details, Visit our office in Bangalore or Contact: 9343913454/9663849392/9663849978
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|UK Personal Injury Claim
If you have been involved in any accident within last two and half years due to other's fault then we will assist you to get your Personal Injury Claim quickly. You can also get details at our Website which is www.theaccidentalclaims.co.uk. Please give your following details ---
• When (DD/MM/YYYY), Time? (Don't apply if it happened Two and half years back)
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Please send all above details at following E-mail ID to get a no obligation consultation call from an Expert Solicitor from UK firstname.lastname@example.com. UID - Gamay
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|Email Processing Business
Start your own email processing business for just $10.
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|You Can Start Up Your Own Call Center Business, Voice/Backend Project Available, Single / Multi Seats, Complete Business Solution Provided Along With Training Program, Daily / Weekly Payments, You Can Start Up This Business In Any Part Of India Where Computers And Broadband Connection Is Available. Contact No.: 9654017688/011-45694755.URL: http://www.delhibpo.com. UID GAMAY
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|Earn Rs.45,000/- Per month, work from home simple data entry jobs
|R looking for DATA ENTRY JOBS? View this link http://www.easypostjob4u.com & Apply to data entry Jobs in Delhi NCR, Mumbai, Kochi, Kohima, Coimbatore, Bhopal, Guwahati, Durgapur, Ranchi, Bangalore, Hyderabad, Chennai, Kolkata, Pune and Ahmedabad. Apply and get your dream job. Build a massive income from your home. Visit our website to start making EXTRA MONEY From Home at www.easypostjob4u.com , or email us at firstname.lastname@example.com or call us at 0353-2461473, 6501563, Mobile- +91-9434019000,+91-9474425752 - Advertiser GYU4614AAK
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|(unixf173f) An X-PERT English Speaking Institute with Personality Development Training for Professionals and Students. Learn to Speak Fluent English, Boost Your Confidence and Develop Your Personality. Our courses and lessons are very simple and use a variety of resources that will help you improve your English Fluency. Everyone can learn good English in an easy and efficient way. We are offering courses for School-College Students/ Professionals/ Businessman/ Housewives/ Retired Persons. There is No Age Bar, Flexible Timing, Life Time Practice, Reasonable Fee, 100% GUARANTEED RESULT. Courses offered by AXPEA: 1. Spoken English (Business English) 2. Vocabulary and Grammar Practice 3. Personality & Career Development 4. Confidence & Presentation Skills 5. Body Language 6. Communication Skills For More Information Please Visit www.axpea.inor mail us at firstname.lastname@example.com or Call – (079)65444655/09409607755
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Refrigerator Thermometer
- Buy 6 for $4.99 each and save 17%
- Buy 12 for $4.49 each and save 26%
In stock and ready to ship.
Never wonder about your draft beer's temperature again with this easy-to-read stainless steel thermometer.
- Overview
Take the guesswork out of monitoring the temperature of your converted fridge or kegerator with this easy-to-read, versatile thermometer.
With clear, bold numbers and color-coded temperature zones, all it takes on a quick glance to make sure your unit is operating at the optimal temperature. The thermometer can be used freestanding, or you can hang in the unit.
This simple, affordable temperature monitoring device saves you the hassle of manually checking the temperature and the frustration of foamy beer if your keg gets too warm. Made of stainless steel, this is a high-quality, durable thermometer suitable for home or commercial use.
- Bold numbers for easy readings
- Color-coded temperature zones
- Can be used freestanding or hanging in the unit
- Perfect for kegerators or converted fridges to monitor keg temperature
Free Expert SupportContact Customer Care
- Specifications
WARNING: This product contains a chemical(s) which is known to the state of California to cause cancer or birth defects or other reproductive harm. For more information go to www.P65Warnings.ca.gov.
- Range from -20F to +80F
- Shipping & Delivery
Related Products
- Customer Reviews
- 4.5 / 5.02 ReviewsQuality4.5 / 5Value4.5 / 5Easy to Clean4.0 / 5Would you recommend this product?Yes! I would recommend this product. (2)Would you recommend this product?Yes! I would recommend this product.Quality5 / 5Value5 / 5Good productNice little product that I keep on top of keg to quickly let me know the temp.
August 3, 2016Uniontown, PA, USPurchased
- Was this review helpful? Yes (0) No (0)
- Flag as Inappropriate
over 3 years ago
Would you recommend this product?Yes! I would recommend this product.Quality4 / 5Value4 / 5Easy to Clean4 / 5Gotta know the tempWorks great to keep track of the temp of my "cold ones"
- Was this review helpful? Yes (0) No (0)
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September 12, 201713905, NY, USPurchased
- Was this review helpful? Yes (0) No (0)
- Flag as Inappropriate
over 2 years ago
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- Questions & Answers
- Browse 1 question Browse 1 question and 10 answersWhy did you choose this?Kegworks StoreTo keep track of the temperature in my refrigeratorTom B on Feb 16, 2019My kegerator dial for keeping the temperature steady is a little sticky. It's tough to get the temperature correct without having a thermometer. This one will fit perfectly between my two kegs!!!Fred M on Jan 9, 2020
If You Like This, You May Also Like
About Backorders
This item is currently out of stock but we're expecting more soon.
For an estimated ship date, please contact Customer Care at 877.636.3673 or email firstname.lastname@example.com.


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(Bodily) Function Keys
1. Start LSL5
2. Press the following function keys (the ones at the top of your keyboard) to hear sounds of bodily functions: Flatulence, vomiting, etc. F1, F3, F4, F6, F8, F9, and F10
NOTE: The function keys not listed above do something in the game (save game, turn off sound, etc.) so do not press them
Take a leak behind a tree (for a point)
1. Start LSL5
2. Get to the Hard Disk Cafe in New York
3. When you are outside the cafe, walk behind the tree on the right
4. Larry will relieve himself behind the tree and you will get a point. It may help If you use the keyboard to get behind the tree
Chi's assets
After obtaining and wearing the doily in the dentist's office, knock on the receptionist's window to gain access to the next room. After Chi Chi arrives, use the eye to get a closer look at her. If you use the hand to click on the button of her blouse, after 7 attempts or so, her blouse opens to reveal a special surprise. You can only do this before giving her a green card.
to Guest Room
Mystery Manor Home


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Win a Mango BiK!e
We are giving you the opportunity to win our bright orange Sunburst bike in return for an article about our wonderful Sunburst nectarines. The bike is the Mango Curve single-speed ladies' bike. Here is how it works…
Fill out our eligibility survey here. If your profile fits, we will send you a £20 M&S voucher to buy yourself some lovely Sunburst nectarines and a few treats for yourself.
Tweet us the link to your article (@fruitadventures) and be entered into a draw to win the Sunburst bike!
This competition is now closed.


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Vashikaran specialist is now in Australia. In Australia many people also believe in astrology and vashikaran. So that is reason, Pandit Aman Sharma is spread his service in Australia and so many people got so many solution from him. Result is he is famous in Australia for his service.
His services are: love relationship problem, family problems, lost love back, love marriage, financial problem, husband/wife problem, job, career, business problem, and many more services of him.
Love Vashikaran Specialist in Australia
Our pandit ji is also highly efficient in the art of lost love spells that will make the lovers to get together again and feel the love that was once the apple of their eye. He is also well known globally for his service and Pandit Aman Sharma provides vashikaran and astrology services in entire Australia. Some of the most famous cities that he has been able to offer are Melbourne, Sydney, Perth, Cairns Alice Springs, Adelaide, Brisbane, Canberra and many more.
For More Information Visit Us: Best Astrologer In Banglore
For More Information Visit Us: Best Astrologer In Banglore


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The Euro
Evolution and Prospects
Philip Arestis, Andrew Brown and Malcolm Sawyer
Chapter 5: Channels of Monetary Policy and Implications for the Euro
Philip Arestis, Iris Biefang-Frisancho Mariscal and Andrew Brown
5.1 INTRODUCTION1 This chapter contributes to one strand of the empirical work drawn upon in Chapter 4, regarding the demand for money. The demand for money is an important variable to monetary policy as operated at the moment by the European Central Bank (ECB). The empirical properties of both the individual member states and the aggregate European Monetary Union (EMU) demand for money, would have to be closely monitored by the ECB. The literature on the demand for money in the EMU countries recognises that the conduct of monetary policy in a monetary targeting regime relies heavily and crucially on a stable demand for money along with theory-consistent interest elasticities. Otherwise, the transmission mechanism of monetary policy becomes uncertain. Similarly, when a combination of both monetary and direct inflation targeting is pursued, here again the conduct of monetary policy relies, to a very large extent, on the properties of the demand for money relationship in the member states of the EMU. The stability of the demand for money is regarded as the prerequisite to both regimes of targeting. However, when an inflation target is preferred to a monetary target, to be influenced by the rate of interest, the presupposition of a stable demand for money is not so crucial. Although money aggregates could potentially continue to provide information on inflation forecasts, this may not be deemed necessary by the Central Bank. The Bank of England, for example, does not consider such information as useful simply because there is the belief...
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8' x 10' Orange/Cobalt Overdyed Patchwork Rug
Looking for a sophisticated fashion statement for your interiors? This 8' x 10' overdyed patchwork rug is an excellent addition to any home. It features a geometric pattern and lovely colors. Composed of different original rugs, knotted together for a vintage work of art.
Overdyed Patchwork Rugs are made of smaller pieces of vintage rugs stitched together to create a truly beautiful finished result. We dye our overdyed patchwork rugs using an all-natural vegetable dye to recreate a more vibrant, overdyed look. These vintage patches are then hand-knotted onto an irresistibly soft canvas by our expert artisans in Pakistan. Overdyed patchwork rugs are perfect for adding warmth, color, and style to your floors. We recommend displaying this overdyed patchwork rug to your living room or office. For more tips on decorating with rugs, check out our 5 Crazy-Easy Rug Buying Tips. We always make sure that you're satisfied with your purchase that's why we offer 100% Free Shipping and Guaranteed Free Returns (including return shipping).
- Collection: Patchwork
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- Size: 8 ft. 1 in. W x 9 ft. 11 in. L
- Made in: Pakistan
- Construction: Hand-knotted
- Material: 100% New Zealand Wool
- Returns: FREE 30 Days Return
- Shipping: FREE


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In George Orwell's "1984" the world is divided into the three super-powers: Oceania, Eastasia and Eurasia. Oceania is alternating at war with one power and allied with the other. The population of Oceania consists of three castes: the Inner Party (1%), the Outer Party (14%) and the Proles (85%). The Inner Party is the ruling caste and its sole desire is to gain power, have power, and keep the power - forever. The online dating ventura county official face of the online dating ventura county party is "Big Brother", an oversized face on posters hanging on walls everywhere and county dating online ventura staring from every telescreen, online dating ventura county seeming to follow everybody with his eyes. Adults like the hero Winston Smith, are employed to rewrite history online dating ventura county so that it always show that the dictatorship was right.
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|Have no Assembly Hall and all everybody feels at home country to try to get a job in the air companies.
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|Difficult problem for any library is to keep people, who are getting married at the age.
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Builders Clean Case Study – Adston Construction
We recently worked with Adston Construction on a Builder's Clean job of a well-known supermarket.
This included a full clean of the roof as well as the interior of the supermarket in preparation for the store to open.
Contract Cleaning Case Study – Southern Housing Ltd.
Southern Housing Group Ltd. are a charitable housing association which provide more than 27,000 homes to over 72,000 people between Reading and Devizes in the South of England.
We are very proud to have worked with Southern Housing Group for over 10 years.
Industrial Cleaning Case Study – Knorr Bremse
Knorr Bremse is one of the worlds leading manufacturers of braking systems and a supplier of additional sub-systems for rail and commercial vehicles.
We are incredibly proud to work with them providing industrial cleaning solutions.
Car Dealership Cleaning Case Study – Dick Lovett
Heath and Wiltshire have worked with Dick Lovett for 14 years providing car dealership cleaning services.
Thanks to our experienced team and management systems in place, we are able to provide a top quality service every time!
CQC Cleaning Case Study – Trowbridge Health Centre
Heath and Wiltshire are proud to be working with Trowbridge Health Centre providing CQC Compliant cleaning services.
We're using high quality products that are correct for the industry and deliver the best results.
Retail Cleaning Case Study – Travis Perkins
Heath & Wiltshire have worked with Travis Perkins for 8 years and we are 1 of 3 approved cleaners for the company.
We now maintain 250 branches across the UK, providing a variety of different retail cleaning services.
Office Cleaning Case Study – Sevenoaks District Council
Heath and Wiltshire are proud to be working with Sevenoaks District Council, providing a range of office cleaning services.
In our initial meetings, we discussed the challenges faced by Sevenoaks District Council.
From this, we put together bespoke cleaning services to suit their needs.
Contact Heath and Wiltshire Ltd
Please call us on 0800 772 0178 or, alternatively, fill out the form opposite.
We look forward to hearing from you.
The Heath and Wiltshire Team.


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The Best of Okinawa
If you're looking for a tropical vacation complete with white-sand beaches and coral reefs, look no further than Okinawa. The Okinawan islands are the southernmost region of Japan. Originally part of the Ryukyu Kingdom, an independent principality in power from the 15th to the 19th century, the islands have maintained a culture unique from the rest of Japan.


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Jay Wright
Board Members
Jay has been a Lincoln City fan all his life whose parents were both born and bred in the City and whose Dad was on the books of the Imps as a teenager.
He had a nomadic childhood being born in Peru as well as living in St Albans, Derby, Cheshire and Houston all by the age of 9 years old. Jay has spent all his working life in the drinks industry, initially with The Greenalls Group before leaving to start his own home delivery wine business, Warehouse Wines, in 2000.
Jay grew this business from nothing to the point where it was bought by Direct Wines, the largest mail order wine company in the world, who had also recently purchased Virgin Wines and Averys of Bristol. Jay was appointed MD of all 3 businesses in 2008 performing a major business turnaround on these subsidiaries before merging his Warehouse Wines business with Virgin Wines.
In 2013, Jay led a £16m private equity financed management buy out of Virgin Wines and as CEO of this now independent business he has delivered continuous sales growth and increased profitability making Virgin Wines one of the major forces in wine retailing in the UK.
Jay is married with 3 boys and spends his weekends at his family home in the Lake District and his weeks at the Virgin Wines business in Norwich - all in between fitting in as many Imps matches as possible.


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A unique opportunity to be part of our story right from the very beginning – and receive all of the following benefits…
- Receive information about upcoming events before the general public.
- Invitations to receptions and events throughout the year and during the Chiltern Arts Festival, giving you the opportunity to meet Chiltern Arts artists.
- Receive a copy of Chiltern Arts News twice a year, delivered directly to your home.
- Receive regular update e-mails.
Click here to see our membership options, starting at just £100 annual membership fee.
A huge thank you to our current members, all of whom are Founding Members, joining us in the first year that membership was available:
Founding Member Patrons
|Derek and Fi Harding
|Earl and Countess Howe
|Kaye and David Lillycrop
|Christopher and Jane Tyrer
Founding Member Friends
|Robin Andrews
|Simon and Margaret Broadbent
|Felicity Burrell
|Mr and Mrs David Cairns
|Bill and Jill Dax
|Jacqui Edwards
|Grahame and Phillippa Fisher
|Christopher Glynn and Jo Rackham
|Alan and Pauline Godley
|Linda Laurence
|Jeff and Adèle Leveton
|Mr and Mrs MacDowell
|Mandy Morrell
|Elizabeth and James Rodda
|Gill Ross
|Alan Sainer
|David and Pamela Taylor
|Léonie and Peter Thorogood
|Arthur Weir
|Andrew Wickham
To join our Founding Members, or to find out more, please e-mail Naomi at firstname.lastname@example.com or click here
Volunteer with Chiltern Arts
We have a huge array of volunteering opportunities at Chiltern Arts; from stewards, programme sellers and first aiders to drivers, artist hosts and artist caterers, we're sure you'll find something that suits you – and plenty of new friends and wonderful music along the way!
We are also looking for volunteer team leaders in the areas of Front of House, Accommodation and Transport Co-ordination and Refreshment Co-ordination.
If you're interested in joining our Festival Makers team, becoming a team leader, or would simply like some more information, please e-mail firstname.lastname@example.com or fill in our Contact Form.
We can't wait to hear from you!
Keep an eye out here for any Job Opportunities with Chiltern Arts
If you are a Young Ensemble looking for performance opportunities, please take a look at our Take Note page…


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Hot Mess can be easily a name for an adult movie. Luckily it's a summer club in Belgrade. It is the only club with a swimming pool. Parties in this unique Belgrade club start at 9 am. Slow lounge music and chill out will make your stay pleasant. And guess what?! They are serving breakfast!!!
Enjoy the hot summer day with amazing pool parties, sipping your favorite cocktail. Be sure that cocktails are expertly made and service is top-notch. At night, this chill out place becomes a nightclub. If house, deep house, and R'n'B are your thing, don't miss parties on Fridays and Saturdays.
Schedule for this summer season in club Hot Mess:
Monday // "Let's Mess Around" // R'n'B//
Friday // Hip-Hop, R'n'B'//
Saturday // Retro House Party//
Sunday // Day Party//
TEXT US on WhatsApp or CALL our service for FREE RESERVATION
Address: Beogradska bb
Dress code: Classic, casual
Hostess: Yes
Minimum age limit: 23
Djs: Resident & worldwide
Crowd: Beautiful & young people
English speaking bartenders and waiters: Yes
Cocktail masters: Outstanding
Payment method: Cash, Master Card, Visa


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Burrow Global
Burrow Global is a leading mid-sized Engineering, Procurement and Construction Company with additional specialty expertise in process automation, architecture/industrial buildings, I&E construction and preparation for operations. We have nine locations in Texas, Louisiana and Oklahoma providing local coverage and supporting the communities where we do business.
Project description
We were tasked to travel to Beaumont TX to Film the corporate office of Burrow Global.
Working with their marketing team, we were provided with overlays and responsible for capturing the key individuals of the company.


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Wild for Western Boots
Can you even properly enjoy fall in Texas without a great pair of Western boots? We don't think so! These pairs are perfect for tailgates, pumpkin patches, or cozy fall dinners with your crew. You can never have too many pairs of boots, so snag a few options to get your feet through the fall and winter months in style.
Krissa Fringed Bootie (Nordstrom)
Sam Edelman Winona Western Bootie (Belk)
Rodeo Faux-Leather Western Booties (Guess)
Ravishing Ruching
If you're ready to liven up the silhouettes of your tried and true favorite pieces, the ruching trend is here to save the day. These gathered garments give just the right added detail to take everything from skirts to sweaters to blazers to the next level. Pair one of these with your favorite booties and you'll be fall ready faster than you can say, "pumpkin spice latte".
Skirt with Front Ruching (Zara)
Balloon-Sleeve Turtleneck Sweater (J.Crew)
Chriselle Lim Madison Ruched Sweater (Nordstrom)
Denise Ruched Front Knit Dress (francesca's)
Stunning Statement Earrings
Statement earrings have been all the rage this year, and that's not stopping this autumn. These pieces easily take any outfit from drab to fab without you having to lift a finger. Whether you go for something more subtle and vintage or go all out, your lobes will thank you for giving them a little extra sparkle.
Colorful Vintage Earrings (Zara)
Lily Pad Earrings (Club Monaco)
Crystal and Sequin Wreath Earrings (J.Crew)
New Friends Colony Joan Earrings (Nordstrom)


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Send documents from any device and from anywhere with the same legal validity.
Send documents urgently and securely
Send a digital, ordinary or certified letter
Send digital postcards online
Print out your labels and pay for your deliveries before going to the Post Office
Delivery in 24/48 hours, depending on point of origin and destination
Guarantee reception with a signature
Suitable service for legal communications
The Post and Telegraph Museum receives visitors on a daily basis from schools in Madrid and environs as well as groups from cultural, social, athletic and professional associations in various sectors. By watching videos about the post and telegraph and touring the museum, visitors can learn the history of the post and telegraph from their origins up to the new technologies.
These tours are available (by appointment) Monday to Friday from 9:00 to 14:00 and 16:00 to 18:00. See "How to get there".
The museum also offers, by appointment, special tours for stamp collectors and researchers of post and telegraph history (Monday to Friday from 9:00 to 14:00). See "How to get there".
You may request online an appointment for a tour by completing the form provided.


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Sponsored Event
Support us by doing a sponsored challenge
Sponsored challenges
In order to meet our mission and provide services in our community, we rely on the generosity of individuals, businesses and small grants for support. Without the assistance of community-minded individuals we wouldn't be able to continue to serve those most needy in our community each year.
If you are interested in taking part in a sponsored challenge to raise money for our charity we would love to hear from you.
Recent Challenges
On the 17th June 2018 a group of 6 Remark! staff cycled 54 miles from London Clapham Common to the Brighton Seafront to raising an amazing £1,300 for Remark! Community. The money raised will go directly towards our Remarkable Club project; supporting Deaf adults with additional needs. You can read all about the bike ride challenge here. The next challenge could be you!


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Don't always trust what you feel. Feelings can be deceptive. Instead, meditate and believe what God says. His Word never goes wrong.
Ru Dela Torre on Joshua 1:8
by Janina Rivera | Sep 19, 2011 | Webcast | 0 comments
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