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Terms & Conditions
1.1. These terms tell you the rules for using our website https://thisisbud.com (the "Website") and our beta test and learn mobile application (the "App"), (together, the "Site"), whether as a guest or registered user. Use of the Site includes accessing, browsing or registering to use the Site.
1.2. https://thisisbud.com is a site operated by Bud Financial Limited. We are a limited liability company registered in England and Wales, number 09651629 and have our registered office at 1st Floor WeWork, The Bower, 207 Old Street, London EC1V 9NR.
1.3. We are authorised and regulated by the Financial Conduct Authority ("FCA") under Financial Services Register numbers 793327 and 765768. We are authorised by the FCA to arrange regulated products and services, as well as provide account information services and payment initiation services. The FCA's address is 12 Endeavour Square, London E20 1JN, and they can be contacted on 0800 111 6768 (freephone) or 0300 500 8082 from the UK.
1.4. Bud Financial Limited trades as Bud. In these terms and conditions, reference to "Bud", "we" or "us" is a reference to Bud Financial Limited.
1.5. To contact us, please email [email protected] or write to us at 1st Floor WeWork, The Bower, 207 Old Street, London EC1V 9NR.
1.6. By accessing or using the Site through any means, you are agreeing to be bound by these terms and conditions which govern your registration for and use of the Account Services (see paragraph 2.1 below) and the Site (the "Terms & Conditions"). If you do not agree to these Terms & Conditions, you must not use the Site or use the Account Services.
1.7. Our Privacy Notice, available at www.thisisbud.com/privacy, sets out how we process personal data we collect from you (which may be indirectly, for example when we retrieve information from one of your accounts) and how we use cookies. Please read this carefully before using our Site.
1.8. These Terms & Conditions also contain provisions about what we will and will not accept liability for if you suffer loss in connection with use of the Site.
1.9. We may make changes to these Terms & Conditions and/or to the way we operate the Site and the Account Services from time to time. Each time you wish to use the Site, please check these Terms & Conditions to ensure you understand the terms that apply at that time. If you do not agree to these Terms & Conditions or to any changes made to them, you must not use, and must cease using, the Site and the Account Services. We recommend that you download a copy of our Terms & Conditions for future reference.
1.10. These Terms & Conditions were most recently updated on 27 August 2019.
2.1. We provide an account aggregation service ("Account Services") that combines and displays in one place account balances and transactional information for certain banks, building societies and other payment providers. Our Account Services enable users to organise and manage their finances effectively by giving them access to related tools and services, which help you to make the most out of your money. Based on analysis of your account information, we can also identify where you might be interested in products and services offered by our partners on our marketplace (the "Marketplace") (see paragraph 3 below). Where this is the case, we will direct you to the Marketplace which will give you the option of visiting our product partners' websites or mobile applications and finding out more about the products and services.
2.2. Note the distinction between (i) sharing your online details with any third party; and (ii) using your online details on our Site, which is a secure environment. You do not have to proceed with registering with us if you do not feel comfortable to do so, and you may stop the process at any time.
2.3. When you register for our Account Services by creating an account ("Connected Account"), you permit us to collect information about your account transactions and present this to you through the creation of new or modified content to help you understand and manage your financial data.
2.4. Where we provide Account Services to you, we do not check the accuracy of that information nor whether it is up to date. Accordingly, we make no warranty that our Account Services will be uninterrupted, timely or error free; or that the information presented (including any category tags applied by Bud) will be accurate or reliable.
2.5. Our Account Services are provided on an 'as is' basis and we make no representation, guarantee or agreement of any kind as to the accuracy of the information generated by our tools or displayed on our Site, nor the functionality of the Site. This means that you should not exclusively rely on such information when making decisions about your finances.
2.6. We do not offer advice about financial products or investments. If you are not sure whether a product or service is suitable, which you may discover through the Site, we recommend that you seek advice from a financial advisor. We are independent and support your own decision making. We do not promote any product or sponsored content to you directly in preference of any other service.
2.7. We may use sub-contractors to deliver some or all of the Account Services. We carefully select the sub-contractors that we use and they have agreed to follow our instructions and our data privacy requirements.
3.1. The content in the Marketplace part of the Site is provided for general information only. We will not provide any financial advice or suitability assessment in relation to the products or services offered - we simply introduce you to our partner providers. Please consider taking professional or specialist advice before doing anything on the basis of the information on the Site.
3.2. Although we select our product partners carefully, we do not endorse, warrant, guarantee or take responsibility for their products or services. The terms on which you access our product partners' products or services are subject to that product partner's terms and conditions. We cannot guarantee that any advertisement for a product, service, rate or reward will be available on the advertised terms.
3.3. Nothing in the Site is intended to constitute or contain any investment advice or any offer, invitation, recommendation or solicitation to buy or sell investments in any jurisdiction or to enter into any transaction.
4.1. We will provide you with the relevant Account Services, subject to these Terms & Conditions.
4.2. By registering or applying for a Connected Account to receive our Account Services via the Site, you agree and confirm:
a) all the information you have provided to us and/or the financial institution (where applicable) is accurate and correct and you are the person whose details you have provided;
b) you can enter into a legally binding agreement with us;
c) you will only use the Site for the purposes envisaged by these Terms & Conditions;
d) you have provided a current address, telephone number and e-mail address and will notify us immediately if your contact details change; and
e) you are over 18 years of age.
4.3. To apply or register for the relevant Account Service you must provide personal information for use in analysing your financial data, including your name, date of birth and email address.
4.4. We reserve the right, in our sole discretion, to refuse to provide any of the Account Services to you.
4.5. When you create a Connected Account, you will be asked to set a password. You agree to keep your password and Connected Account information strictly confidential and you must not disclose them to any third party. You agree to protect them in the same way as you would details of your bank account or your bank cards. Any failure to do so will be at your sole risk and expense.
4.6. You agree that we are entitled to assume all correspondence, orders, transfers and instructions made by reference to your password and Connected Account are made by you, and that all correspondence and instructions posted by us via your Connected Account have been received by you. You agree to inform us immediately (via the Site or by e-mail) if you know or suspect that any of your Connect Account information or password has been compromised or are being misused so that we may suspend your account.
4.7. We have the right to disable your Connected Account or password at any time if, in our reasonable opinion, you have failed to comply with any material provisions of these Terms & Conditions.
4.8. You agree to inform us as soon as possible if any information provided by you or contained in your Connected Account changes and/or if you become aware of any errors with respect to your Connected Account and/or if you lose access to your Connected Account for any reason whatsoever.
4.9. The Site is directed to people residing in the United Kingdom. We do not represent that content or services available on or through the Site is appropriate for use or available in other locations.
5.1. As our agreement with you has no fixed end date, we need to be able to make changes to these Terms & Conditions or to the services we provide from time to time. We will give you at least two months' notice of such changes.
5.2. You must choose whether you agree to the new terms and conditions or not. If you do not want to agree to the change, you can cancel your agreement to these Terms & Conditions at any time that you wish by cancelling your Connected Account. Your continued use of the Site following the prior notification of the amended terms and conditions will be understood as your acceptance of the new terms and conditions.
5.3. We can add or remove product partners from the Site at any time.
6.1. You agree that all communications that we may need to send to you may be sent electronically and you agree that Bud has no obligation to send communications in paper form (other than in respect of legal proceedings). We may send to you information and notifications through the Site and/or by email to the email address on your Connected Account.
6.2. Once registered for a Connected Account, you have the right to receive these Terms and Conditions. We will use all reasonable efforts to ensure that our latest terms and conditions can be accessed via the Site at all material times. If for any reason you have any issues accessing any of our terms, please email us and submit your request at [email protected].
7.1. No fees are payable by you to us for use of the Site as a user in relation to the Account Services.
7.2. If you use our Site to register with, or use the service of, a third party provider listed within our service directory (i.e. one of our partners), that partner may pay us a fee for introducing you to them and/or a commission based upon any fees that they charge to you or to another third party in connection with brokered services. In some cases, the fees they earn may relate to the use of their services directly through their own site where you have been introduced to them by us.
7.3. If we receive (or pay) fees or commission for the introduction of business we will act in accordance with all applicable laws.
8.1. We do not guarantee that the Site, or any content on it, will always be available or be uninterrupted. Access to the Site is permitted on a temporary basis and we may need to suspend access to the Site, or any part of it, without notice where we are required to do so by any related amendment, re-enactment, subordinate legislation and regulations ("Applicable Law") or where the Site is unavailable through no fault of our own.
8.2. We will not be liable to you if, for any reason (other than our negligence, wilful default or fraud), the Site is unavailable at any time or for any period.
8.3. You are responsible for making all arrangements necessary for you to have access to the Site.
8.4. Where the Account Services are being accessed from any website or application other than the Site, you agree to comply with both these Terms & Conditions and any terms of use relating to the third party website or application. You will not access or use the Site except for their intended purpose and will not attempt to:
a) gain unauthorised access to, make unauthorised alterations to, or introduce any kind of malicious code to the Site or Bud by any means;
b) reverse engineer or decompile (whether in whole or part) the Site or any software available through the Site;
c) make copies, modify, reproduce, transmit, alter or distribute all or any part of the Site or any material or information contained in them, other than as permitted by law;
d) use the Site for any purpose that is unlawful under any Applicable Law;
e) use the Site to commit any act of fraud;
f) use the Site to simulate communications from us or another service or entity in order to collect identity information, authentication credentials, or other information ('phishing'); or
g) use the Site in any manner that disrupts their operation.
8.5. You will not disguise or interfere in any way with the IP address of the device you are using to access the Site or otherwise take steps to prevent us from correctly identifying the actual IP address of the device you are using whilst accessing the Site.
8.6. Although we make reasonable efforts to update the information on the Site, we make no promises that the content on the Site is accurate, complete, up to date or free from errors or omissions.
9.1. To improve the App and its functionality, we will ask you to update it from time to time.
9.2. We grant you a limited licence to use this App on the basis of these Terms & Conditions. You may not transfer this licence to any other person. This licence is not exclusive to you. We can withdraw this licence at any time.
10.1. We do not guarantee that the Site will be secure or free from bugs or viruses.
10.2. You are responsible for configuring your information technology, computer programmes and platform in order to access the Site. You should use your own virus protection software.
10.3. You must not misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Site, the server on which the Site is stored or any server, computer or database connected to the Site. You must not attack the Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We may report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Site will cease immediately.
11.1. Bud is the owner or the licensee of all intellectual property rights in the Site and in the material published on it. These works are protected by copyright laws and all such rights are reserved.
11.2. BUD is a trade mark of Bud Financial Limited. Bud Financial Limited is the sole owner of the same. You will not make any unauthorised use of the Bud trade marks and any unauthorised use can result in legal action being taken against you.
11.3. www.thisisbud.com is the uniform resource locator ("URL") of Bud Financial Limited.
11.4. We own all rights in any price data and related content on the Site. Your registration and use of the Site does not transfer any rights to the content and related intellectual property rights contained in the Site. Except as otherwise permitted by law, you agree not to monitor, use or copy our web pages or any content on the Site including, without limitation, any price data without our prior consent. Any unauthorised use or reproduction can be prosecuted.
11.5. Any data licensed to us from third parties is provided for use on the Site only and may not be used for any commercial purposes without the consent of such third parties.
11.6. You may print off one copy and may download extracts of any page(s) from the Site for your personal use. You must not modify any hard or digital copy of any materials you have printed or downloaded in any way and you must not use illustrations, photographs, video, audio sequences or graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of the content on the Site must always be acknowledged.
11.7. You may draw the attention of others within your organisation to content posted on the Site.
12.1. We will do everything reasonably possible to prevent unauthorised access to the Site and we will accept liability for loss and/or damage to you resulting from any unauthorised access to the Site (except as expressly excluded within these Terms & Conditions), provided that such loss and/or damage could have been reasonably foreseen by us at the time that you agreed to be bound by these Terms & Conditions.
12.2. However, you will be responsible for any losses arising from unauthorised access if we can show that:
a) you negligently, or intentionally, failed to take all reasonable precautions to keep safe, and prevent fraudulent use of, your mobile device and security information;
b) you acted fraudulently; or
c) you are aware of the Site being accessed without authority but fail to inform us promptly.
12.3. We will not be liable to you for any loss or damage if another bank, building society, payment provider or one of our product partners is responsible for such loss or damage.
12.4. We will not be liable for any loss or damage that you may suffer because of any abnormal or unforeseeable circumstances outside our reasonable control which would have been unavoidable despite all efforts to the contrary, for example, delays or failures caused by problems with another system or network, any breakdown or failure of transmission, communication, data processing or computer facilities, mechanical breakdown, an act of state or government, war, riot or terrorism, any act of God, the suspension of any market, postal or other strikes or similar industrial action or any prevention from or hindrance in obtaining any materials, energy or other supplies necessary for the performance of our obligations under these Terms & Conditions.
12.5. We have no liability to you for any loss of profit, loss of business, business interruption or loss of business opportunity.
12.6. We will have no liability for refusing any application submitted by you to register for use of the Account Services or any other product or service we may provide.
12.7. We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents, or subcontractors for fraud or fraudulent misrepresentation.
13.1. Bud and you will keep confidential and will not disclose to any third party any information that is marked or otherwise indicated as being confidential, except information that any of us is bound to disclose under any Applicable Law or by order or request of any regulatory authority or by a court of law, or to our respective professional advisers for the purposes contemplated in these Terms & Conditions, or in our case, where disclosure is necessary to exercise any of our rights or perform any of our obligations under these Terms & Conditions, including providing Account Services.
14.1. We can terminate, restrict or suspend your Connected Account and your contractual agreement with us by notice in writing (which can include email) to you at any time in the event that:
a) you are in material breach of any term of these Terms & Conditions and/or any other agreement with us; and/or
b) we suspect that you have used the Site or the Account Services, or intend to use the Site or the Account Services, for the purpose of an illegal activity; and/or
c) we suspect you have given us false information; and/or
d) we have concerns about the security of the Site; and/or
e) a device is used that we do not recognise or is used in a way it was not designed for (such as 'jail broken' or we detect viruses or malicious software); and/or
f) we are compelled to do so pursuant to any legal or regulatory requirement; and/or
g) the App is withdrawn by the manufacturer of your device operating system or any intermediary; and/or
h) we stop supporting the App on your device or on its operating system; and/or
i) you apply for bankruptcy or become subject of a bankruptcy petition or order.
14.2. We can also end our agreement with you for any other reason (or no particular reason) immediately on notice.
14.3. Upon termination of your agreement to these Terms & Conditions for any reason:
a) all rights granted to you under these Terms & Conditions will cease;
b) you must immediately cease all activities under these Terms & Conditions, including your use of the Account Services;
c) the App may be withdrawn and its functionality terminated; and
d) you must stop using the App, delete it from your device and destroy all copies of the App including all components of it in your possession.
14.4. Any of these Terms & Conditions which are expressly or by implication are intended to come into or continue in force on or after termination will remain in full force and effect.
14.5. Termination will not affect any rights, remedies, obligations or liabilities of the parties that have accrued up to the date of termination, including the right to claim damages in respect of any breach of the Terms & Conditions which existed at or before the date of termination or expiry.
15.1. We may link to other websites which are not within our control. Once you have left the Site, we cannot be responsible for the content of other websites or for the protection and privacy of any information which you provide on these websites. Please note that these websites have their own privacy policies and website terms and conditions. We do not accept any responsibility or liability for these policies, nor do we endorse the content of these websites. Please check their privacy policies and their website terms and conditions when you visit them and before you submit any personal data to these websites.
15.2. You may link to this Site from another website without our consent in writing if you:
a) link only to the homepage of the Site at https://thisisbud.com;
b) don't create frames or any other border around the Site;
c) comply with all relevant laws and regulations on the website or platform you are linking from; and
d) don't imply that we endorse or are associated with your (or any other) website, product or service.
15.3. You may not link to this Site from another website which contains inappropriate or distasteful content which reflects badly on us. You must not establish a link to our website in any website which is not owned by you.
15.4. If you wish to make use of the content on our website other than as set out in these Terms & Conditions, please contact us at [email protected]
15.5. We reserve the right to withdraw linking permission without notice.
16.1. We may allow you and other users to post content to our publicly available areas of our Site, such as our blog. You retain all of your ownership rights in your content but you are required to grant us a perpetual, worldwide, non-exclusive, royalty-free, sub-licensable and transferable licence to use, reproduce and create derivative content in whole or in part and in any format through any media channel, including social media.
16.2. You must not post any content that is libellous, defamatory, indecent, obscene, pornographic, harassing or otherwise offensive (in our opinion).
16.3. We have the right to disclose your identity to any third party who is claiming that content posted or uploaded by you to our Site constitutes a violation of their intellectual property rights, or of their right to privacy.
17.1. We consider a complaint as being defined as an expression of dissatisfaction made by you in relation to any of the services we provide. In the event that you make a complaint, we will make every effort to rectify the problem as soon as practicably possible. If you have any complaint about this Site or any of the services we provide, you should contact our support team at [email protected] and we will try and resolve it as soon as possible.
17.2. Depending on the nature of your complaint, if you feel that your complaint or grievance has not been dealt with satisfactorily, you have the right to take your complaint to the Financial Ombudsman. If you have not received a final response letter from us within eight weeks of raising your complaint, or the final response letter has been received but is not satisfactory to you, you will need to bring your complaint to the Financial Ombudsman within six months. You can contact the Financial Ombudsman at The Financial Ombudsman Service, Exchange Tower, London, E14 9SR or by calling them on 0800 023 4567.
17.3. If you do refer your complaint to the Financial Ombudsman Service, this will not affect your right to take legal action.
17.4. Alternative dispute resolution ("ADR") can take place in various ways, including face-to-face, by telephone, in writing or online. To encourage use of online dispute resolution (ODR) there is an ODR platform created by the EU Commission which allows consumers to submit their complaint through a central site which will forward the complaint to the right ADR scheme. In relation to these Terms & Conditions, this is the Financial Ombudsman Service and you can also contact them directly as per the above contact details. For more information about ODR please visit ec.europa.eu/odr.
18.1. These Terms & Conditions, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.
19.1. The provisions of these Terms & Conditions are personal to you and you cannot assign or transfer any of your rights or obligations under them.
19.2. We can assign or transfer our respective rights and/or obligations under these Terms & Conditions.
19.3. If any provision of these Terms & Conditions is or becomes illegal, invalid or unenforceable that will not affect the legality, validity or enforceability of any other provision of these Terms & Conditions.
19.4. A person who is not a party to these Terms & Conditions has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of these Terms & Conditions.
19.5. These Terms & Conditions are in English and any communications we send to you will be in English.
19.6. Nothing in these Terms & Conditions affects the liabilities, rights and obligations of you and the third party provider under the applicable terms between you and the third party provider.
19.7. These Terms & Conditions, together with the Privacy Notice, apply howsoever you decide to access the Site.
19.8. If you have any questions about these Terms & Conditions, please contact our support team at [email protected]


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Outsourcing maintenance of streetlights on Chandigarh MC's agenda
With the municipal corporation (MC) failing to solve the problem of non-functional streetlights in Chandigarh, an agenda to outsource their maintenance will be placed in the coming House meeting, scheduled in the last week of July.chandigarh Updated: Jul 07, 2015 14:24 IST
With the municipal corporation (MC) failing to solve the problem of non-functional streetlights in Chandigarh, an agenda to outsource their maintenance will be placed in the coming House meeting, scheduled in the last week of July.
As per a survey conducted by the MC electricity committee four months ago, around 30% streetlights are non-functional across the city, giving a tough time to commuters and raising security concerns.
As per record of MC, in past two years, MC received nearly 3,000 complaints with regard to streetlights on helpline number — 155304 — from southern sectors (18 to 21, 32, 40 to 45 and 51).
The civic body maintains nearly 30,000 streetlights, of which nearly 14,000 are nonfunctional. One executive engineer and two sub-divisional engineers look after the maintenance of streetlights in the city.
There are 20,000 streetlights— most of them along the primary roads and not in localities— which the UT administration takes care of, but they are better maintained than the MC does.
Former chairman of the MC's electricity committee, BJP councillor Rajesh Gupta, said, "Four months back , we conducted several surveys and found that nearly 4,000 streetlights were non-functional. We will push for privatising maintenance of streetlights as the concept is working well in Chennai."
Nominated councillor Surinder Bahga said: "Poles of streetlights are broken, wires are hanging loose and covers of junction boxes have been stolen. This is not only spoiling the beauty and character of the city but also endangering lives of commuters besides facilitating thefts and crime in the city. We have requested the House to frame a policy to outsource the maintenance of streetlights, keeping in view the shortage of staff."
The streetlights on the road separating Sectors 44A and 44B remain non-functional despite repairs carried out once in a while.
Sateesh Kumar Dadwal, a resident of Sector 44A, said: "I have submitted several complaints regarding the non-functional streetlights to the authorities in the past six months, but no heed has been paid yet."
He said functional streetlights were a must in residential areas to keep criminals at bay.
Facing a similar problem in his area, general secretary of the Sector-40 MIG-1 houses welfare association SK Khosla said: "We have lodged a number of complaints with the authorities concerned but the matter was not taken seriously."
Chief engineer Mukesh Anand, however, said: "We are not in favour of outsourcing the maintenance of streetlights. We are recruiting 20 more electricians soon to carry out the maintenance work."
It has been more than two years since the municipal corporation paid `1 crore to the UT electricity department to install light emitting diodes (LEDs) in all streetlights at Sectors 20 to 25, 29 to 32 and 34 to 38, besides Dhanas, Maloya and Manimajra villages.
The project, however, remained a non-starter. Finally, the electrical department has decided to start a pilot project in Sector 29.
Former mayor Subhash Chawla, who had mooted the proposal in March 2013, said even as the inventors of LED were awarded last year's Nobel prize, Chandigarh's move to adopt the technology has made no progress.
The decision was taken after the UPA government directed a shift towards energy-efficient technology, as LEDs can reduce the electricity bill by 70%. The MC even made a provision in the 2014-15 budget for installation and maintenance of LED streetlights by a contractor.

subset: commoncrawl


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How to undertake the Compulsory Learning Units of Competency required to obtain an Owner Builder Permit:-
- Complete the Course Online $189 -TO ENROL or for for more details, click here.
- Study by Hard Copy Correspondence $229 - TO ENROL or for more details, click here.
About Owner Building and Owner Builder Permits in New South Wales
Who needs to be an Owner Builder ?
Owner Builder work is defined as any work (including supervision and co-ordination roles) involved in the construction of, or alterations to, repairs of or additions to a dwelling. To be eligible for an Owner Builder Permit, the development approval must be in respect of a single dwelling house, or secondary dwelling.
- where the reasonable market cost (including labour and materials) exceeds $10,000, and
- which relates to a single dwelling-house, dual occupancy* or a secondary dwelling:
- that requires development consent under Part 4 of Environmental Planning and Assessment Act 1979, or
- that is a complying development within the meaning of that Act.
*NOTE : An Owner Builder Permit will only be issued with regard to a dual occupancy project or need in cases of special circumstances. If applicable, contact Fair Trading on 13 32 20.
A home owner who wishes to project manage the building of their new home, extension, improvements, dual occupancy, swimming pool or smaller projects such as a garage or deck, on land or a home in which their name is on the Title Deed and where the value of the planned residential building works exceeds $10,000 including materials and labour, must do so officially as an Owner Builder and requires a Development Consent from your Local Council. Sometimes a Licenced Builder or Kit Home Builder may suggest they build for you under your Owner Builder Permit. You must :-
- be over 18 years of age
- own the land or have a prescribed interest in the land (certificate of title or rate notice) on which you plan you build
- you live or intend to live in the completed home as single dwelling house or as a secondary dwelling
- not have built as an Owner Builder in the past 5 years, unless the application and any earlier permit relate to the same land, or unless special circumstances exist
When is an Owner Builder Permit NOT needed ?
- where the market value (labour and material) of the residential building work is less than $10,000
- where the work to be carried out does not require development consent.
When is an Owner Builder Permit NOT issued ?
- for renovations to an existing apartment / unit / flat / townhouse within a strata complex
- where the property is not for residential purposes.
What are the limitations under an Owner Builder Permit ?
An Owner Builder Permit is NOT a building licence. It therefore does NOT allow you to :
- work other than the project covered by the Develpment Application (DA) or complying Certificate.
- carry out specialist work such as electrical, plumbing, gasfitting, air conditioning and refrigeration work (unless you hold a licence for such work).
Do I need to complete an Owner Bulder Course in order to apply for the Owner Builder Permit ?
If the the value of the work you plan to carry out is valued at more than $20,000 you will also need to complete certain units of competency through a Registered Training Organisation (RTO), OR have the approved equivalent qualifications and experience. Additionally, for any work requiring an Owner Builder Permit, you must hold a current general construction induction training card (generally known and the White Card for OH&S).
Before applying for a Permit, you must have successfully completed through a RTO the following Learning Units, and you can enrol through us (see below).
Compulsory Learning Units of Competency
The Owner Builder education requirement for a Permit consists of the following five (5) units of competency from the Construction, Plumbing and Services Inductry Package (CPC08):
● CPCCOHS2001A Apply OHS, requirements, policies and procedures in the construction industry
● CPCCCM2001A Read and interpret plans and specification
● CPCCCM1011A Undertake basic estimation and costing
● CPCCCM1013A Plan and organise work
● CPCCCM1014A Conduct workplace commmuncation
From 1 January 2011, the 91509NSW Course in Owner Builder Compliance met the education requirement. This Course will continue to meet the requirement if you have completed it, although the Course is no longer available after 15 July 2015.
Any other owner-builder course which may have been previously undertaken is not recognised as meeting the education requirements for undertaking owner-builder work.
When you have successfully completed this course, the RTO will issue you with a Certificate of Attainment (COA). Currently once you have obtained a Certificate of Attainment, it is 'for life', and so you can use it tp obtain another Owner Builder Permit for future owner building projects. But remember only one (1) Owner Builder Permit can be issued to an individual within any five (5) year period, unless the application and any earlier Permit relate to the same land, or special circumstances exist.
You then go to any NSW Fair Trading Centre, complete the OFT Owner Builder Permit Application Form, and if approved, you will be issued with an Owner Builder Permit for your current project. When applying for your Owner Builder Permit, you must also provide:-
- a description and address of the proposed work with a copy of the plans and council development application number or complying development certificate number.
- where the value of the proposed work is over $20,000, evidence that you have either completed the approved Owner Builder Course, namely your COA.
- pay the Fee for Permit (currently $93.84, which includes a non refundable processing fee of $63)
A Permit cannot be issued for work that has already commenced. A spouse or relative will not be issued with an Owner Builder Permit for their partner's or family's land.
Also, there are specific rules for applicants where a company owns the land. Contact NSW Fair Trading on 13 32 20 for details.
Before you may commence this Course, you must hold a NSW WorkCover White Card. We can help you obtain one, by choosing the 1 Day Sydney CBD Workshop Course, CLICK HERE, or Online Course, CLICK HERE.
OB Construction and Public Liability Insurance
The public liability aspect of this insurance covers you if a family member or member of the public is injured as a result of the building work. You are liable because you own the property.
As you are intending to be an owner builder, or to contract out any type of building work (for which you remain responsible for coordinating) it is strongly recommended that you protect yourself by taking out a Public Liability Insurance policy.
This insurance needs to be paid and in position BEFORE construction work commences, and sometimes before a local council will issue their construction consent. To organise your Owner Builder Construction and Public Liability Insurance, we can help you, simply CLICK HERE NOW, for a FREE Online Quick Quote or CLICK HERE to read more.
Workers Compensation Insurance.
Owner Builders should take out a Workers Compensation Insurance Policy and ensure that they are fully covered the people they engage to carry out work. Any contract is engaged by an owner builder may be deemed to be a work of that owner builder.
OB Volunteer (unpaid) Workers Insurance.
If you are planning to do work yourself, or to have family, friends or mates help you FREE, for your peace of mind you may wish to put in place, loss of income and permanent disability or death protection for up to 10 'volunteer (unpaid) workers' on your building site. To organise Owner Builder Personal Accident and Volunteer Workers Insurance, click here to read more or apply online now for a Quick Quote.
Contract Works Insurance.
This insurance should be obtained by licensed builders and contractors you properly engage and receive a receipt of payment. It is so your protection and covers loss or damage to materials and work completed. If the builder or trade contractor does not have this type of insurance, you may risk inconvenience, time delays and disputes if materials are damaged or stolen.
Insurance under the Home Building Compensation Fund.
Does the total contract sum, including materials supplied by the contractor, or each contractor exceed $20,000 ? If so, each licensed contractor (builder or tradesperson) who contracts directly with an owner builder to do residential building work must provide insurance under the Home Building Compensation Fund (previously called Home Warranty Insurance) from an approved insurance provider.
You as the owner builder should receive a copy of the certificate insurance from the licensed contractor before:
- work starts
- you pay any money (be sure you obtain a receipt of payment)
Selling your Owner Builder built home is no longer covered by insurance.
WARNING: Insurance under the Home Building Compensation Fund is no longer available for building works carried out by an owner builder. Should an owner builder' or a successor in title to that (owner builder) person decide to sell their home within seven (7) years and six (6) months after an Owner Builder Permit was issued, the Contract Of Sale must include a note (a consumer warning) stating that "an Owner Builder Permit was issued in relation to the land on (the date that Permit was issued)".
Work done under an Owner Builder Permit is not required to be insured under the Home Building Act 1989 unless the work done by a contractor, or contractors, to the owner builder individually is worth more than $20,000 each. Then that Home Building Act insurance cover is provided by the proper engagement and payment of the licensed contractor or company.
If the consumer warning is not included in the Contract of Sale, the purchaser can void the Sale Contract before Settlement.
WARNING: As an Owner Builder you are guaranteeing the work you undertake if you sell within 7.5 years. The next immediate owner of the property is entitled to the benefit of the statutory warranties set out in the Home Building Act 1989, and can take you, the owner builder, to the NSW Civil and Administrative Tribunal to enforce their statutory warranty rights. This may result in a money order against you.
Further impotrant aspects of Owner Building.
Potentially there are savings and satisfaction to build as an owner builder, but there are also many risks, responsibilities and liabilities, do not take short cuts in the learning stage.
Before work commences you need to obtain an Owner Builder Permit, see details above and usually before construction consent is issued by a local council and before finance is approved.
Owner Builders are required to name ALL other owners of the land on an application for the Owner Builder Permit. This is recorded on the Permit to prevent people using this system to carry out commercial unlicensed building work. Any owners named, cannot apply for another owner building permit for a different property for 5 years.
If you need on-site guidance or to sort out a problem, engage a member from our Get It Right Network Inspection Services. Either telephone us or advise us of your needs 'online', click here.
To build without an Owner Builder Permit may involve significant financial penalties.
Finally, one cannot retrospectively apply for an Owner Builder Permit on commenced or completed work. Be aware, you cannot obtain Owner Builder Home Warranty Insurance if you subsequently live outside of Australia.
A bit more about what is Owner Building, from the Office of Fair Trading (OFT)
Owner builder work is any work (including supervision and co-ordination) involved in the construction of, or alterations, repairs or additions to, a dwelling (which includes a house, terrace, town-house, garage, swimming pool and certain other structures and improvements):
- where the reasonable market cost (including labour and materials) exceeds $5,000
- which relates to a single dwelling or dual occupancy:
- that requires development consent under Part 4 of the Environmental Planning and Assessment Act 1979
- that is a complying development within the meaning of that Act
Some cautionary words from Fair Trading.
As an Owner Builder, you are responsible for:
- overseeing and supervising all tradespeople
- ordering of materials and management of the building site
- obtaining all necessary council and authority approvals
- ensuring that the financial, taxation and insurance requirements of the building work are met and fully comply with all laws
- being aware of your obligations under the Workers Compensation Act 1987 and Occupational Health and Safety Act 2000 and providing a safe work environment that complies with WorkCover requirements
- ensuring any contractor engaged is appropriately licensed and insured to do the work contracted for
- warranting that the work and materials will be fit for the purpose and that the work results in a dwelling fit for occupation
Do your sums before you start and ask yourself if any saving you will make is worth the time and responsibility it will take. As an owner-builder you are guaranteeing the work you undertake.
If you do not want the responsibility of being an owner builder, you should be wary of a builder who suggests you obtain an Owner Builder Permit while they do all the building work for you. This may be a ploy where the builder is shirking responsibility, is unlicensed, or is unable to get necessary insurance.
Tips when engaging Tradesmen.
All tradespeople (whether contracting directly with home owners or sub-contracted through a builder), who undertake residential building work costing over $1,000 (labour and materials), must hold a licence from the NSW Fair Trading for the type of work they are to do. Specialist tradespeople who carry out any of the following must be licensed regardless of the cost of the work:
- electrical wiring
- plumbing, draining and gas fitting work
- air conditioning and refrigeration work (except plug-in appliances)
Once you find a trades person and before you sign any contract, do not forget to:
- ask to see their licence
- go to the online licence check on the Fair Trading website to make sure it is current, valid and suitable for the work you want done, or call Fair Trading and do a licence check over the phone on 13 32 20
Each licensed contractor (builder, trades person or project manager) who you contract directly to undertake residential building work must provide Home Warranty Insurance from one of the approved insurance providers, when the total contract sum exceeds $12,000 (including material supplied by the contractor). The certificate of insurance should be provided to the Owner Builder before taking any money on the contract and before starting any work.
Also obtain a receipt for ALL payments you make.
Owner Builder "No Nos"
It is an offence under the Home Building Act (maximum penalty $22,000) for the holder of an Owner Builder Permit to:
- knowingly engage an unlicensed contractor
- lend your permit to another person
- refuse to disclose to an authorised officer the names and addresses of contractors working on the site
An Owner Builder Permit is not a building licence. It does not allow you to:
- do work other than the project covered by the development application or complying development certificate
- do specialist work such as electrical, plumbing, gas fitting, air-conditioning and refrigeration work (unless you hold a licence for such work)
Amazing products and a unique website specialising in Product Showrooms to help Owner Builders!
Discover and consider our range of little known, but highly effective, Smart Products for your project. As you are planning to build shortly, it is an ideal time to investigate these latest and most effective products. Click here.
To find mainstream showrooms, stores, galleries and display centres with specialist building products, appliances, finishes and systems, bookmark and use Showrooms.com.au


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Get Monthly Satta Chart of
Apr-2020 And Result of Gali, Desawar, Ghaziabad, Faridabad, Charminar, Punjab Day, Shri Ganesh and Taj from Satta King, Satta Bajar, Upgameking and Black Satta Company.
CHRM(Charminar), DSWR(Desawar), S GN(Shree Ganesh), P DY(Punjab Day)
FRBD(Faridabad), NVLT(Novelty), GHBD(Ghaziabad), S KN(Satta King)
The term Satta King is related to that person. The betting team does not lose, that is, the person who can never be defeated in a betting game is called a betting king. The Satta Game was started by Kalyan Bhagat from Mumbai in 1962. Some slips were inserted in a pot. And people used to put money on those slips, then the slips were opened the next day. The person who put money on that slip was called the Satta King. But with the changing times, the meaning of the word Satta King has also changed and the Linseed Satta King has become Khaiwal.The Satta King is a group of people. Their aim is to get people to bet on their game. This work is very confidential. They have their own software in which daily speculative transactions are recorded. Khaiwal keeps some part of the betting money with him and moves the remaining amount forward. And finally this amount reaches the speculative King Wallow. These people open the game according to the amount, the game on which the lowest amount is applied is opened the next day.
Satta King online is a numbers game. Within which the player has to choose any one or more number from 1 to 100 and invest money on that number. If the number chosen by the player comes at the time of result, then player gets 90 times the amount invested. For example, suppose Ram chose the number 10 between 1 and 100 and invested ₹ 50. At the time of result number 10, then Ram will get 90 times the amount of money invested, as we have assumed that if Ram invested ₹ 50, then he would get ₹ 4500. Similarly if Ram invested ₹ 100, Ram would get ₹ 9000. There are many satta games played in India. But on our website you will find the fastest results and charts of games like Gali, Desawar, Faridabad, Ghaziabad, Charminar, Punjab Day, Shri Ganesh and Taj.
There are lots of Satta games but some of theme are famous games are Gali, Desawar, Faridabad, Ghaziabad, Charminar, Taj, Shriganesh and Punjab day. you can check these game result and leak number on our website.
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Walmart Canada wants to bring together business leaders, government officials, academics and financial experts at a one-day summit this fall to discuss ways to lower the cost of living, the company announced Monday.
"We think there's an opportunity to create some new thinking here. We're excited to see where it will go," said Walmart Canada spokesperson Andrew Pelletier.
Pelletier said shoppers and NGO leaders will also be invited to the summit. The date, location, agenda and speakers list have not been finalized.
More business at thestar.com
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The summit will be held to mark the retailer's 20th year in Canada. Walmart entered the Canadian marketplace on March 17, 1994, opening at 122 former Woolco stores employing 16,000 people.
Since then, Walmart Canada has grown to 389 stores employing more than 95,000 associates and drawing 1.2 million shoppers a day.
United Food and Commercial Workers Canada union spokesman Derek Johnstone was unimpressed by the idea of a summit led by Walmart.
"It's no secret that in Canada the gap between the super-rich and the rest of us is growing at a staggering rate," said Johnstone.
Have your say
"Walmart has to look at its role in that income disparity growth," he said, "and if they're serious about this, they have the power to play a leading role in making sure that retail jobs become real jobs, jobs where people can make a living wage, can earn enough to have a home, have some retirement security and send their kids to college or university to make sure their kids are better of than they are."
Pelletier said sales associates at Walmart are paid more than minimum wage and are given the opportunity to advance into supervisory or management roles, including store manager or district manager.
"Walmart provides a very meaningful job ladder," said Pelletier, pointing out that Walmart has paid out close to $1 billion in bonuses to Canadian associates over 20 years, based on store performance.
Walmart held a "green business summit" in Vancouver days before the winter Olympics there.
A recent attempt by McDonald's and Visa to create a financial planning site for its low-pay workforce seemed to go awry after it was picked up and mocked on websites ranging from ThinkProgress to theatlantic.com.
A sample budget for McDonald employees assumed a monthly net income of $1,205. It pegged monthly rent at $600, allocated zero for heating, zero for groceries, $100 a month for savings and a daily spending limit of $27.


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Developing The Under Developed Developing the Under Developed The desolate and scorched soil of a vast empire that once ruled lay wasted in the dim morning sun. This is symbolic of a newly developed nation that grew at a pace that the environment could not stand. Human life in future generations depends on the judgement of the civilizations prior to the existing generation. Historical research points to many reasons why developing nations should conserve not expend their resources. Three areas of analysis that solve this dilemma are the obligation to later generations (religious), governmental obligations (political), and the harms caused by developing fully (religious /political). One must also consider the repercussions caused by each decision on not only the existing generations but the generations that follow as well.
The first area of analysis is the obligation to the later generations. All the creatures born or awaiting birth have a right to live in the world with peace. (doc. 4) One can not be so vain as to state that one human is any better than another is, therefore when once a human destroys a resource beyond recovery than that individual is denying the rights of everyone that follows. It is an injustice to deny the God given right to live in peaceful and undisturbed world.
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Denying the earth as a living object, some ecologists fail to realize the true repercussions that could and will plague the earth if resources are expended by the current nation and not left for the next. (doc. 16) The Egyptian people believed that without the Nile then their civilization would die. Their logic was that if the Nile dried up or was ruined in any way then the dwelling is silent and all fertility is lost. The Egyptians also believe that even the Gods would be upset if the Nile were to be tarnished because it would destroy and render the fields that they created useless. (doc.
2) Giving the people dominion over animals and other creatures, God intended the people to respect the environment not take advantage of it. (doc. 5) One can derive from the notion of total dominion over all creatures that individuals also have an obligation to the future. Expending the resources would be contradictory to the idea of protecting and dominating all creatures. The second area of analysis examines the governments obligation to protect its people from depleting the environment. Civilizations should learn from the mistakes of others before them and realize that civilizations will fail if the government fails to protect its people.
At the point the government fails to protect the people and children of the community, the government forfeits their right to dictate how the civilization should be run.(doc. 11) The government has the obligation to find auxiliary ways to use and protect the ever depleting resources of the world. For the government to let the people or push the people into developing without regard for later generations is unethical and immoral. The government should support sustainable development to ensure the civilizations existence. (doc.
14) It is better for the civilization to develop at a slower pace than to disregard subsequent generations in order to progress. The government should recognize this as a goal and duty to the people and their children. (doc. 15) It is immoral for the government to put a price on the earth in the name of developing when it is possible to develop with concern for the environment of the future. (doc. 12) Individuals should be able to trust the government to protect them as well as their children.
The third area of analysis examines the harms of developing fully. One should realize that to conquer nature sometimes has adverse effects on future environment. (doc.15) The world is fragile and should be respected because it fathers our existence. An individual does not have the right to abuse and try to conquer the very corner stone of our existence. (doc.
3) At the point one accepts the responsibility to govern the earth and to rule it as a shepherd would his sheep, then that human must also take the responsibility for the repercussions caused by the rule.(doc. 10) When development has peaked and the world has been enslaved to the people only then shall that human realize that his or her children may suffer because of his dominion. The actions and conduct of humans can make or break the opportunity that the later generations may have. The earth will have revenge on the people that abuse their power and tame the conqueror into a dependent child upon the land. (doc.
13) God wanted his followers to risk their lives for the people that they did not know. The followers were asked to respect the people not even born. Humankind should conclude that the moral and just thing to do when presented with the problem of whether to protect the environment or to expend the resources of it, they should save lives by choosing to protect the environment.(doc. 8) To develop wisely and only what we need ensures the survival of humankind. To develop fully and foolishly one may temporarily experience abundance then find they have no resources left.
Humankinds relationship with the environment should always be one of respect instead of abuse. Humans will eventually prosper if they are not so anxious to develop that they over look the real obligations that they have to future generations and the survival of humankind. Current Events Essays.


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Commander Shepard: A Dramatic Reading
Jennifer Hale is a badass among badassess. I seriously could listen to her read names out of a phone book.
I've been fortunate enough to meet Badass HaleMcGee a few times during my short duration on this floating rock in outside space. Both times I've humiliated myself because uh it's Commander Shepard and Commander Shepard has done romance scenes with Kaidan Alenko and I have not.
Dig my weirdness? Subscribe to my Youtube channel (below)!


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China Sugarcane Market Report 2018
Pune, India -- (SBWIRE) -- 05/15/2019 -- MarketResearchNest.com Announced that its published an Exclusive Report on "China Sugarcane Market Report 2018" in its research database with report summary, table of content, research methodologies and data sources.
China Sugarcane market competition by top manufacturers/players, with Sugarcane sales volume, price, revenue (Million USD) and market share for each manufacturer/player; the top players including
Raizen, Cosan, Biosev, Bunge, Louis Dreyfus Company (LDC), SaoMartinho
Inquire for Sugarcane Market Research Report 2019-2025 @ https://www.marketresearchnest.com/report/enquirybuy/635237
Geographically, this report split China into several key Regions, with sales (K Units), revenue (Million USD), market share and growth rate of Sugarcane for these regions, from 2012 to 2023 (forecast), including
South China, East China, Southwest China, Northeast China, North China, Central China, Northwest China
On the basis of product, this report displays the sales volume (K Units), revenue (Million USD), product price (USD/Unit), market share and growth rate of each type, primarily split into
Chewing Canes, Crystal Canes, Syrup Canes
On the basis on the end users/applications, this report focuses on the status and outlook for major applications/end users, sales volume (K Units), market share and growth rate of Sugarcane for each application, including
Sugar Production, Ethanol Fuel, Feed, Fibre (Cellulose), Others
Browse Sugarcane Market Research Report 2019-2025 @ https://www.marketresearchnest.com/China-Sugarcane-Market-Report-2018.html
If you have any special requirements for the report, please let us know and we will offer you a customized report on separate regional or country-level reports.
For more latest reports kindly visit @ https://www.marketresearchnest.com/
About Us:
Market Research Nest (MRN) is a one-stop-shop for market research products and services. At MRN, we offer reports from almost all top regional and global publishers and research firms who specialize in their domains. We ensure that you receive the most reliable and up to date research data. We update our collection daily to help our clients have an access to a most up-to-date database of expert insights on global industries, organizations, products, and trends. Our database covers research studies including periodic updates on a range of industries, companies, products, SWOT profiles, recent marketing, and other trends.
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Lost Gardens of Heligan
The Lost Gardens of Heligan, Cornwall
Opening Hours and Prices
Open daily all year round.
(Except Christmas Eve and Christmas Day)
Main Season (1st April to 30th September)
Heligan Tearoom open from 9:30am
Gardens open daily 10:00am – 6:00pm (last tickets 4:30pm)
Heligan Shop and Plant Centre - 10:00am - 6:00pm daily, except Sundays 12:00 - 6:00pm
Winter (1st October to 31st March)
Heligan Tearoom open from 9:30am
Gardens open daily 10:00am – 5:00pm (last tickets 3:30pm)
Heligan Shop and Plant - 10:00am - 5:00pm daily, except Sundays 11:00am - 5:00pm
Ongoing restoration work or adverse weather conditions may restrict access or opening times for safety reasons. Details of specific restrictions will appear on the daily notice board.
Ideally you should allow a whole day to see as much as possible of our 200 acre site, but don't expect to see everything in one visit!
Garden Admission
Single visit charges
Garden Admission
Adults £11
Seniors £10
Children (5 - 16) £6
Children (Under 5) Free
Family (2 adults & up to 3 children) £29
We offer Free Parking and Free Entry to the Heligan Shop, Plant Sales and Tearoom for everyone to enjoy all year round.
Our gardens are privately owned and as such are not directly associated with either the National Trust or the R.H.S.


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Darren Morcombe
Executive Chairman
Mr. Morcombe joined the Board of Directors in mid-2010 and was appointed Chairman shortly thereafter. Mr. Morcombe has more than 20 years of international experience in a variety of roles in in the natural resource sector. This includes over 10 years in senior roles with Normandy Mining and Newmont Mining Corporation in the areas of financing, treasury, mergers and acquisitions.
Mr. Morcombe is the founder of Springtide Capital Pty. Ltd., a private investment company specializing in micro-cap listed companies, venture capital and resource-oriented companies. He was Chairman and a major shareholder of European Gold Refineries SA, Europe's largest gold refinery, and Director of AGR Matthey, one of the world's largest gold refineries. He retired from this position in 2008 and these businesses are now owned by Newmont Mining Corporation. Mr. Morcombe is a major shareholder of several public companies.
Committees: Audit & Risk, Governance & Corporate Compensation
Patrick Soares
President, CEO, & Director
Mr. Soares was appointed President and CEO of Foran Mining Corporation and a member of the Board of Directors in November, 2010. Mr. Soares served as the President and CEO of Brett Resources Inc. from late 2007 until its acquisition by Osisko Mining Corp. in May, 2010. During his tenure as President and CEO of Brett Resources, the market capitalization of the company increased from $60M to approximately $370M.
Mr. Soares holds a B.Sc. (Hons.) from the University of British Columbia in Geology. Mr. Soares began his professional career in 1983 as an exploration and mine geologist in northern Canada. Subsequently, he worked in the field of investor relations and corporate development, and held positions with Sutton Resources Ltd. (acquired by Barrick Gold in 1999), EuroZinc Mining Corp. (now part of Lundin Mining Corporation) and Aurizon Mines Ltd. Mr. Soares was the Chairman of SnipGold Corp. (acquired by Seabridge Gold in June 2016). He is currently Chair and Director of the board for Colorado Resources Ltd.
Maurice Tagami
Mr. Tagami joined the Board of Directors in 2011 and has over 30 years' experience in mining development and operations. Mr. Tagami holds a degree in Metallurgical Engineering from the University of British Columbia and is a Professional Engineer with APEGBC. During his career, has played a significant role in the metallurgical and project management of numerous open pit, underground and heap leach projects worldwide.
Mr. Tagami is the Technical Ambassador at TSX-listed Wheaton Precious Metals, the largest metals streaming company in the world. Previously, he held the positions of President and CEO, with Keegan Resources Inc. and Senior Project Manager (Onca Puma Project) with Canico Resource Corp. (acquired by CVRD in 2005). Mr. Tagami served on the Board of Brett Resources Inc. (acquired by Osisko Mining Corp. in 2010) and currently sits on the Board of Maple Gold Mines Ltd.
Committees: Environmental Health & Safety, Audit & Risk, Governance & Corporate Compensation (Chair)
David M. Petroff
Mr. Petroff joined the Board of Directors in 2012 and has over 30 years' experience in the mining and investment industry, including holding senior management and financial positions with several prominent, publicly-traded mining companies and working in Investment Banking with a major Canadian investment dealer.
Mr. Petroff was previously President, CEO and Director of Jaguar Mining Inc. From early 2009 until its acquisition by Nyrstar NV in mid-2011, he held the role of President, CEO, and Director of zinc producer Breakwater Resources Ltd. Mr. Petroff, who holds a B. Math from the University of Waterloo and an MBA from the Schulich School of Business, also sits on the Board of Pancontinental Gold Corporation.
Committees: Audit & Risk (Chair), Environmental, Health & Safety, Governance & Corporate Compensation
Mario Grossi
Mario Grossi is the President, CEO and founder of Technica Group Inc. and Technica Mining. Technica Mining is Ontario's second largest underground contractor, growing from a staff of 6 in 1999 in Sudbury, Ontario to over 450 personnel and operating Canada-wide. Mario has worked within the Canadian mining and metals industry for over 25 years, focused on continuously improving mining techniques while striving to create a zero-harm workplace. Technica Mining has provided contracting services to Vale and Glencore, and believes in offering state of the art service without compromising health & safety.
Committees: Audit & Risk, Environmental, Health & Safety (Chair), Governance & Corporate Compensation


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Disasters, forced evictions, chronic food and livelihood insecurity, and economic, political and environmental fragility are the main drivers of internal displacement in Haiti. The country is highly exposed and vulnerable to recurrent weather-related and geophysical hazards. These conditions drive high levels of displacement risk, create significant needs among communities and pose major obstacles to sustainable development.
In the first half of 2019, about 2,100 new displacements were reported, 2,000 associated with conflict and violence and 69 associated with disasters. Find out more about displacement in Haiti and other countries in the Mid-Year Figures Report.
Average expected number of displacements per year – for sudden-onset hazards:
What causes displacement?
Displacement risk in Haiti is driven by extreme vulnerability and inequality. More than 59 per cent of Haitians live below the national poverty line and more than 24 per cent in extreme poverty. A rapid increase in population and urbanisation, slow economic growth and underdevelopment characterised by a large informal sector, environmental degradation, low education levels, social and political instability, weak governance and widespread corruption all contribute to the country's very low levels of human development.
The poor majority tend to live in low-quality rented housing in crowded informal settlements. These have been established in the absence of building regulations and in areas prone to floods, landslides and other natural hazards. Access to basic services is very limited, particularly in rural areas.
The country is highly dependent on international aid and remittances from the Haitian diaspora. The persistence of cholera since 2010 has added to the complexity of the situation. A decrease in humanitarian presence and funding, and electoral tensions and instability since 2015 have hampered efforts to provide assistance and protection for highly vulnerable people.
As a tropical, mountainous country in a seismically active region, Haiti is exposed to a range of weather-related and geophysical hazards. Earthquakes are relatively rare. Before the devastating 2010 disaster, the last major earthquake to affect Haiti was in 1842. They do, however, constitute a major risk. The 2010 earthquake triggered as many as 2.3 million displacements. The impact of the disaster was extremely severe not just because of the high intensity of the earthquake but also because poor building standards in densely populated areas and disorganised land use contributed to extremely high levels of housing damage and destruction. In 2018, the majority of the new displacements recorded, 8,600, were due to housing destruction after a 5.9 earthquake hit the North and North-East of the country on 6 October. This number is likely to be an underestimate, as many more homes were said to have been partially damaged. Insufficient information exists as to whether or not those damaged houses are inhabitable or not.
Forced evictions have caused the secondary displacement of many people uprooted by disasters. Between July and December 2016, 60,570 people displaced by the earthquake were forcibly evicted from temporary settlements, 75 per cent of which were on private land.
The rainy season from April to June is followed by a tropical storm season that lasts until the end of November. Two years before the 2010 earthquake, four hurricanes hit the country in rapid succession, causing a major disaster that displaced more than 138,000 people. The worst disaster since 2010 was brought on by hurricane Matthew, a category four storm that struck the poor and largely rural south-west of the country on 4 October 2016, displacing at least 176,000 people. Many were still in evacuation centres a month later, and many more were sheltering elsewhere.
Hurricanes Irma and Maria also displaced about 13,000 people in August and September 2017. Sea-level rise linked to climate change threatens to aggravate the impact of such hazards and the storm surges and flooding associated with them even further. Coastal communities are particularly vulnerable and suffer repeated displacement, with a severe effect on their cumulative vulnerability. Coastal erosion threatens homes in some areas, and estuaries and other low-lying areas are prone to riverine floods.
Much of Haiti is mountainous and prone to landslides. Intensive farming and the deforestation of the land for agriculture and fuel has increased the risk of both landslides and flooding.
Reconstruction and development projects after the 2010 earthquake also caused displacement. Forced evictions unrelated to the earthquake have also been reported, including to make way for a 2014 tourism project in Cap Haïtien and the development of public utilities in central Port-au-Prince.
Internal displacement increased following the forced deportation of more than 27,000 people of Haitian descent and another 24,254 undocumented individuals from the Dominican Republic between June 2015 and May 2017. Some of the poorest deportees live in unofficial camps with little to no access to basic services.
Where and how do people move?
Small-scale displacement associated with disasters happens frequently in Haiti, but the most devastating events in recent years have been the 2010 earthquake and hurricane Matthew in 2016. Most of those displaced by the earthquake were from the Port-au-Prince metropolitan area. Around half of the area's 2.3 million residents were staying in tents and makeshift shelters after it struck.
Patterns of movement out of Port-au-Prince soon after the onset of the disaster followed seasonal patterns of migration between rural and urban areas, as people took shelter with friends and family and sought access to basic services, including schools. Most remained in Haiti, though thousands crossed the land border into the Dominican Republic.
The need to be close to their former homes and livelihood options quickly drew many back to the devastated capital to access assistance and participate in cash-for-work and other recovery programmes, which sometimes involved the separation of household members. About six months after the earthquake, 1.5 million people were still registered as sheltering in 1,555 displacement sites. That figure stood at about 37,5000 at the end of 2018.
As the number of people sheltering in generally poor, deteriorating and dangerous camp conditions fell, it was difficult to identify movements into, out of and between sites. Some people were drawn from rural to urban sites, while others moved between camps to access livelihood opportunities or when they were unable to pay their rent. Distinguishing IDPs from the broader urban poor also became increasingly difficult as displacement sites gradually came to resemble the previous informal settlements.
More than 292,000 IDPs who were tenants before the disaster were given rental subsidies for a year and support through other relocation programmes to help them move off the displacement sites. Many others, however, were forcibly evicted by landowners or local authorities. Thousands more were displaced again by subsequent floods, storms and landslides. Hundreds of thousands relocated to undeveloped land made available by the government through the law of eminent domain, highlighting the country's complex challenges in terms of land tenure property rights.
Hurricane Matthew's impacts were felt most in poor and hard-to-reach rural areas and coastal communities of the south-west, where 90 per cent of homes were rendered uninhabitable in the worst-hit areas. Fifty-eight per cent of people who left after the hurricane struck said they were making for the Port-au-Prince metropolitan area, and 40 per cent for the southern peninsula. Most people who moved more locally appear to have returned to their home areas relatively quickly, but it is likely that they have continued to live in displacement near their former homes.
What is life like for IDPs and communities hosting them?
Five months after Matthew struck, little assistance had reached people in poor and inaccessible mountain areas and islands, where almost all homes had been severely damaged or destroyed and 85 per cent were still to be rebuilt. The country was already facing a severe housing crisis before the 2010 earthquake, and bureaucracy and political instability have continued to delay improvements to the situation and impede the delivery of humanitarian aid.
Access to sanitation and healthcare represent another area of great need. Only a third of people displaced by the earthquake had access to a toilet in their camps. Since the outbreak of cholera in 2010, more than 800,000 people have been infected and 9,500 have died of the disease. Cholera cases also increased in the aftermath of hurricane Matthew, with 440 deaths recorded in 2016.
Protection concerns for women and girls in shelters following hurricane Matthew include a lack of lighting at night, a lack of private space and the risk of gender-based violence. Displaced children also face heightened risk of abuse and human trafficking, and concerns related to loss of documentation. The acute vulnerability and needs of thousands of homeless IDPs evicted from schools serving as temporary shelters have been of particular concern.
Matthew also damaged about 80 per cent of the almost 2,000 schools in the hardest-hit areas, in a country where illiteracy and lack of access to education were already a concern. Around half of all Haitians aged 15 and over are illiterate.
Around 2.6 million vulnerable people, or about 20 per cent of Haiti's population were in need of humanitarian assistance as of the end of 2018. Interventions are needed to reduce food insecurity, rein in the cholera epidemic, assist IDPs still living in camps and people affected by recent disasters in urban areas, and to support disaster preparedness.
Insight into the economic impacts of displacement due to Haiti's 2010 earthquake is available here.
Where does data on displacement come from and what are the main challenges?
Collecting comprehensive data on internal displacement in Haiti is a challenge. The International Organisation for Migration (IOM) reports consistently on displacement in the camps it manages, including data on IDPs living in protracted displacement after the 2010 earthquake and hurricane Matthew.
Other organisations, such as the UN Office for the Coordination of Humanitarian Affairs (OCHA) and the UN Children's Fund (UNICEF) make a big push for data in the immediate aftermath of major events for fundraising purposes or to identify key needs, but they do not collect information regularly beyond the initial stages of the response.
Haiti's Civil Protection Bureau, known locally as Pwoteksyon Sivil, sometimes releases information it gathers from local government officials on the impact of some events, but it does not have the capacity for large-scale or regular data collection. These gaps pose a particular challenge in the case of small-scale events, such as localised flooding, which do not make the headlines but can still displace many people.


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Question 9: The following SAS program is submitted:
1 2 3
data work.demo; date='02Nov10'd; run;
What is the value of the Date variable?
a. a character string with the value 02Nov2010 b. a numeric value that represents the number of days between 01Jan1960 and 02Nov2010 c. the numeric value 02112010 d. There is a syntax error and the value of Date is missing.
*This blog is not affiliated with SAS or the SAS Institute. All answer logs, data sets, output, and commentary are provided by this blog.
Correct Answer
Incorrect Answer


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Wileyfox Swift is the most British name someone could call their dog, or in this case, a smartphone. Similar to the OnePlus 2, Moto G 2015, and Honor 7, the Swift is designed to be a flagship killer.
It comes packed with the beloved Cyanogen OS, which is a somewhat naked Android version also found on the OnePlus One and OnePlus 2. It's highly customizable thanks to its custom UI and Wileyfox claims that it has enhanced security features. It delivers on its promises, mostly, with just a few flaws here and there.
Wileyfox Swift Review
The thing is, the Wileyfox Swift is super affordable and it has advanced privacy controls. You can remove its battery and swap another power brick in a matter of seconds – Candy Crush is serious gaming, we know.
However, you won't get that far with its battery life. It's almost decent. While Cyanogen is just awesome, it just doesn't seem to work that well on the Swift. The camera is another deal breaker.
The Wileyfox Swift costs $200.
Wileyfox Swift specs
- Removable 2,500mAh battery
- 13-megapixel main camera
- Snapdragon 410 proc
- Cyanogen 12.1
- 5.0-inch HD IPS display
Wileyfox Swift Design and Build
It weighs 135 grams, and it measures 141 x 71 x 9.4 millimeters.
It's similar to every other affordable handset on the market. It's a little bit box-shaped giving it that chubby feel and when compared with Motorola's 2015 Moto G you can nickname the Swift Mr. Dull.
It has a detachable back plate which grants access to its interiors, the smartphone's microSD slot, the removable battery and the phone's Dual Sim slot. Because it has a removable battery, you can always carry around a spare power pack. Trust me, if you love smartphones, then you'll be definitely swapping power packs.
The Wileyfox Swift has a nice and smooth material finish on its back and sides. The phone sits comfortably in the palm of your hand without slipping. It sports a solid grip that most competitors at this price range don't have.
However, it's a dust magnet. More so, be careful with spilling liquid near it. No, it's not waterproof, clearly, but that's not the point. I've spilled little droplets of water, by accident, on the Swift's back and it took a whole day for them to disappear. Regardless of how much I tried to scrub and wipe them off.
Wileyfox Swift Display
The Wileyfox Swift has a 5.0-inch HD IPS display that can output a 1280 x 720 res at 294 ppi. This is fairly standard now, but still, an impressive feat to accomplish for a $200 device. It's similar to the 2015 Moto G which costs almost $250. The $190 Vodafone Smart Ultra 6 is better because it has a 1080p HD screen, but just slightly.
Indeed, it does look a little bit cloudy and fuzzy when compared to some of its competitors, but reading text or watching videos is pleasant. There are no screen issues and angles are pretty great. Not the best in town, though.
Wileyfox knows that it had to make some sacrifices in order to maintain the $200 price tag, so they cut down the device's screen. They managed to balance things out by adding a LiveDisplay screen calibration tool. It's pretty nifty and it lets owners manually adjust the display's color temperatures, showcased in Kelvins, and RGB.
Yet, it isn't that used. How many of you want to manually calibrate your screen? It's a nice addition, but in the end, it's useless.
Colors look bright and overly washed. It's oversaturated straight out of the box and the phone's whites have a yellow tint when viewed from particular angles.
Brightness levels are great even at the phone's lowest setting. It's brighter than the 2015 Moto G.
Wileyfox Swift Software Cyanogen 12.1
It's really interesting and I'm sure that because it runs Cyanogen 12.1 it will attract a lot of budget smartphone enthusiasts. Its custom Cyanogen OS is based on a modified version of Android's 5.1 Lollipop. Smartphone manufacturer Wileyfox boasts that Cyanogen is more customizable than Android. Also, it has more security features than the naked Android 5.1 Lollipop.
This is true, however I've got some mixed feelings. Some features are just unnecessary and other are just eye-candy and utterly useless. It's certainly more tweakable than your average Android OS, but this doesn't necessarily mean it's better.
I'm not that impressed with what you can customize on your Swift smartphone, even though you have a plethora of choices. Though, I'm more than pleased with its security upgrades. You get PIN Scramble, Privacy Guard and Protected Apps services.
Pin Scramble is a pretty great feature that scares thieves away. It scrambles how numbers are organized on your screen so nobody can unlock it by taking a look at what smudges are present. Each time your smartphone wakes up from sleep mode, you'll have a reorganized lock screen.
Privacy Guard is Cyanogen's app management tool. You can access it by going to the phone's settings. There, you choose what app can leech data off of you and which can't.
The Protected Apps allows users to create passwords for folders. You can set a different pass for each folder on your Swift.
Wileyfox Swift Performance
For 200 bucks, it has quite the impressive hardware. It comes packed with Qualcomm's Snapdragon 410 proc, Adreno 306 GPU, and 2 gigs of RAM. It's on par with the 2015 16 gig Moto G.
In the real world, performance takes a little bit of a beating, but not something worrisome. Everything works just fine and dandy, but every now and then there's this brain fart that stalls the whole smartphone. It doesn't freeze, it just stalls and then jumps to the bottom of the menu.
Rarely, The Wileyfox Swift will inexplicably exit games while playing them.
Wileyfox Swift Camera
It has a built-in main 13-megapixel sensor, a 5-megapixel secondary front-facing camera unit and dual LED flash. Although it's pretty great for a budget smartphone, the 2015 Moto G that has camera specs close to the $750 Nexus 6 clearly wins this round.
The custom Cyanogen OS adds some panache with a huge variety of camera modes presets that optimize it for different lighting conditions. You even have filter that resemble ones found on Instagram.
High Dynamic Range is one of its key specs, along with night and action modes. Aqua, posterize and sepia filters are pretty reliable too.
Pictures are quite impressive, not flagship like, but still more than decent for social media.
Shooting in low light setting pushes the Wileyfox Swift over the edge. Even though it features Samsung's BSI, which is a back illuminated sensor, the smartphone's performances in low light is weak.
Wileyfox Swift Battery Life
Wileyfox claims that the Swift lasts up to eight hours on one charge. Our tests proved that they are indeed right. Draining the battery by performing a loop video test, brightness set all the way up to the max, and with Wi-Fi on, I managed to get eight hours out of it.
Yet, Moto's newest G lasts nine hours when put up to the same test.
It's a little bit disappointing. Not a precise deal breaker, but still something unsatisfactory from Wileyfox.
Real world use will most like mean that you need to recharge your smartphone every night, before going to bed.
Wileyfox Swift Sound, Call Quality
Wileyfox notes that their AudioFX feature will please even the snobbiest of audiophiles. It's an app that will let the smartphone user customize the device's sound levels. It also includes presets for various music genres from Jazz, R&B, classical and folk to Rock and Metal.
True audiophiles will laugh in Wileyfox's face. It's not that the Vitualizer and Bass digital dials aren't that customizable. It's just that a budget smartphone could never output an extraordinary sound. More so, considering it doesn't run FLAC.
Call quality is good. No issues here. People using it in loud and crowded streets won't have problems with hearing the speaker, or being heard by the person on the other side.
Wileyfox Swift Verdict
Should you buy the Wileyfox Swift?
If you're a privacy-conscious smartphone lover and on a budget, then you might want to acquire the Wileyfox Swift. But, nobody is really that into privacy. It's important, but the Swift targets a pretty small niche.
Comparing it to the 2015 Moto G, the Wileyfox Swift sports a brighter screen, a better display. It's on par performance wise, but it gets beaten by G's battery life and camera quality.
It runs on Cyanogen 12.1, which means that updates will take a while to roll out. Every time Android gets a new tweak, Cyanogen needs to re-code it and transpose it to fit their architecture. Even though it's based on Google's OS.
If I were you, I would wait for the next gen Wileyfox Swift. It's a great entrance by the British manufacturer, but it doesn't quite excel in the overly saturated budget smartphone market.
Wileyfox Swift Price $200.
Image Source: 1, 2, 3, 4, 5, 6, 7, 8, 9


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There are many perplexing questions to be asked in life. What brand of deodorant should I be using? How much should I tip for a delivery? How do I reset my computer password?
Of course answering these questions sometimes takes a great deal of skill. The other times, it just takes some comedic talent to shine a light on all your troubles.
We caught up with four comedians to get their advice on talking in clubs, men who shave their chest hair, and the all-important question as to why women have so many beauty products.
Missed out on Part One? Watch it here
Check out our comics over on Facebook:


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180cm Inflatable "Santa Stop Here" Sign
The Inflatable "Santa Stop Here" Sign is 180cm or 6ft tall and is a popular decoration for outdoor Christmas displays on the run up to Christmas day. Colourfully finished in red, white and green the sign is fitted with a fan for continuous inflation powered by 230V.
Priority Order Line: 01255-830-229
One of our friendly Sales Advisors will be happy to process your order by telephone. Simply call our Priority Order Line and quote the product code displayed below. Please make your product selection before quoting the product code.
Order in the next hrs minssoonby to get it by
|£0 - £150.00
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Delivery rates shown above are exclusively available to England, Wales & Scotland postcodes and exclude Scottish Highlands & Scottish Islands, Northern Ireland, Scilly Isles & Isle of Wight. Click here for rates to other Zones.


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Forefend shampoos that can facilitate restore damaged hairn. Androgenetic alopecia or alopecia in women is the tangible reason why many of the early components such as gels or climbs then hair growing. So in case you are trying the aid …Read more
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Amersham by Ultra
Carlisle by Ultra
Value by Ideal Products
Quality Bathroom & Kitchen Products at Value Prices
We are proud to offer you a huge selection of bathroom and kitchen products at massively discounted prices. With various styles, options, finishes, bundles and sizes, you are sure to find the perfect product to match both your budget and your usage requirements. We supply top household brand names and can offer further choice across the spectrum of your bathroom, kitchen and heating needs.
Eastbrook Towel Rails and Radiators are now available on our site!Posted Friday, September 20, 2019
Looking to replace the old Towel Rails and Radiators in your home with products in the moderately priced range, then why not go for what is offered by Eastbrook on our website!


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An interactive lesson for pupils in 2nd and 3rd grade on
Interpreting & Presenting Data – Bar Charts
In this lesson, learners will be able to solve comparison, sum and difference problems using information presented in bar charts.
With lots of classroom maths activities using drag and drop. Test with instant feedback. Can be used as learner resource or maths lesson plans for teachers.
Designed with lots of drag and drop activities for independent learning.
28 Slides
Highly interactive
To view this resource, unzip and open the multiscreen.html file in the folder. The resource is also responsive so can be viewed on mobile devices.
Key Stage 2 (Ages: 7-11) Interpreting & Presenting Data – Bar Charts- Year 3 2017-05-28
Interpreting & Presenting Data – Bar Charts 2nd and 3rd grade


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DNP is one of the most popular fat burners among professional bodybuilders. With 2 or 4 dinitrophenol tablets body fat in the muscles rapidly disappears.
This drug suits anyone who wants to lose weight quickly: it doesn't matter whether you want to walk along the beach with a perfect figure or whether you want to participate in a bodybuilding competition.
Dinitrophenol or DNP
One of the most important aspects of cellular respiration is oxidative phosphorylation (which is synthesized from adenosine triphosphate).
DNP in this reaction blocks the synthesis of adenosine diphosphate (ADP) and as the reaction continues all of the energy the cells receive is converted into heat.
This causes a slight increase in body temperature when taking dinitrophenol.
Mechanism of action
As mentioned above, when taking dinitrophenol the process of cellular respiration is changed, and the body corrects these violations by resorting to lipolysis.
Despite the temperature increase that this drug causes, it remains popular because it can increase metabolism by 30% or even 50%. Under these conditions, it is possible to burn an additional 400g fat daily.
Side Effects
Dinitrophenol can cause an increase in sweating and that this sweat may stain light colored clothing.
The drug can also cause lethargy, or an overall feeling of weakness.
Additionally, around 1% of individuals taking the drug may develop cataracts.
It is essential that you do not exceed the maximum daily recommended dosage, which is 5 mg per 1kg of body weight. If you are just starting out, you should take no more than 2mg per 1 kg of body weight.
It is generally accepted that fat burners are often hazardous to health. But it should be noted that a large number of medicines can be dangerous to health if used incorrectly. With a competent individual approach you can avoid negative side effects.
Recommendations for use
Dinitrophenol comes in crystalline,powder or capsule form. The capsule form is particularly hard to come by. Of the three, powder is the cheapest form, but you must weigh your dosage very carefully so as to ensure that you do not take too much.
The recommended dosages again are: between 2 and 5 mg per 1 kg of body weight, taken at night. If you are new to Dinitrophenol weight loss you should start at the minimum dose of 2mg so that you can assess how the drug affects you.
Be careful to split any dose above 400 mg. Take the individual doses at regular intervals on an empty stomach, at least three hours after a meal and with plenty of water.
You should not use DNP for more than 10 days consecutively as the drug has a negative effect on the thyroid gland beyond this window. Once you stop DNP, your thyroid function will return to normal.
You can break your courses up in this way: 8-10 days taking DNP, then a 10 day break followed by another 8-10 day course of the drug. After this full course you should take a break of at least three months.


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Hey what's that song from? Ask MetaFilter commenters named 52 different tunes, mostly classical and big-band, that you'll recognise instantly but might have trouble naming. And we assembled them into a Spotify playlist.
Screenshot: Bugs Bunny at the Symphony
We've also included songs from here and here.
Tunes such as "Spanish Flea" and "Gymnopédie No. 1" pop up in soundtracks, hold music, cartoons and YouTube videos. They're known more for the moods they signify than for the original composition. "Entry of the Gladiators" is an ironic "send in the clowns" soundtrack for overblown pomp; the "Morning Mood" movement of "Peer Gynt Suite No. 1" means waking up when birds are chirping and the sun is shining; "Happy-Go-Lively" means it's the '50s and we're shopping.
Many of these connections were established in the years of Spike Jones and Looney Tunes, when entertainers could make a joke out of setting up expectations with a clichéd bit of classical music, then subverting them with silly characters. Others were one-hit wonders that landed in commercials or became famous hip-hop samples. Now it's hard to hear certain tunes without thinking of Bugs Bunny singing along, or some Ford truck rolling through hills, or the summer of '93. So load up the playlist and get ready to remember every piece of pop culture ever.
What songs does everyone recognise, but not know? [Ask MetaFilter]