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Life under the regulator's new licensing regime will be quite different for many accountants.
With the removal of the accountants' exemption on 1 July, practices which provide advice on self-managed superannuation funds (SMSFs) have five key options.
- Stop providing SMSF advice
- Just provide general, factual information
- Gain a limited or full Australian Financial Services (AFS) licence
- Gain a limited or full authority from an Australian Financial Services (AFS) licensee
- Refer clients to a licensed adviser
The first option really isn't an option for the majority of accountants who currently provide SMSF advice, unless they're on the verge of retirement.
Anecdotally, many accountants see option 2 as their best bet not realising that option 2 is possibly the riskiest choice, given there's a fine line between fact and opinion, making it easy for them to inadvertently break the law.
Regulatory guide RG 244 states: "If a communication is a recommendation or a statement of opinion [...] that is intended to, or can reasonably be regarded as being intended to, influence a client in making a decision about a particular financial product or class of financial product, it is financial product advice."
Therefore, if an accountant informs a client that the assets supporting an allocated pension are tax free and if they're retired and over age 60, pension income is not assessable personally – which is factually correct – they may be breeching the law if the client perceives that information to influence their decision-making.
Only those who opt for option 3 or 4 and either gain an AFSL or become an authorised representative of an AFSL will be able to provide advice and make recommendations. They must also provide clients with a Statement of Advice (SoA).
For accountants who want to continue providing basic SMSF advice, a limited authority is likely the right option – however, in the same way those who plan to only provide factual information may inadvertently cross into advice territory, it's highly plausible that accountants with a limited authority will be dragged into comprehensive advice territory by demanding clients. Even with a limited licence, accountants are not exempt from the 'know your client' rule, best interest duties and safe harbour provisions that apply to full licence holders. Conceptually comprehending these principles is what most accountants already do but achieving them under an AFSL framework will be completely foreign simply because they've never had to do it before.
Accountants who opt for the full licence or full authority may need to provide advice on super, investments, insurance, portfolio construction, retirement incomes and estate planning. This is a significant increase in individual knowledge. To become an expert in these areas will make maintaining appropriate accounting expertise challenging, if not impossible, for most.
They will be required to provide their opinion on a range of matters, which is complex and risky and well outside the scope of the client engagement methodology accountants are traditionally used to.
Importantly, client conversations need to be fully detailed in file notes and articulated in a formal SoA.
Given most accountants have no experience writing SoAs, nor do they have access to the systems and resources available to financial advisers to efficiently produce SoAs, they may find themselves spending hours on each document.
The final option is to refer clients to a licensed adviser, which may be an internal adviser or an external adviser. A licensed adviser would include a limited licence accountant.
While this option is perhaps the lowest risk, it's not risk free. Again, ASIC has made it clear there's a difference, albeit slight, between 'referring' a client and 'arranging' for a client to see another adviser.
Arranging is more akin to recommending.
For example, when referring a client, an accountant may say: "Here is the name of an adviser who specialises in advice on budgeting and cash flow management." If they say something like "you should speak to adviser about starting a transition to retirement pension", that will most likely be deemed 'arranging'.
Serious penalties apply to those who breech the law.
Heading into the regulator's new regime, there are no risk-free options for accountants.
While many accountants will opt for option 4, they'll still need automated systems that enable them to document, store and retrieve client files. It must also be efficient enough for them to continue running the tax and audit side of their business.
Providing limited or comprehensive advice, in addition to running a traditional accounting business, can be made easier with the right support systems and processes.
David Lunn
David Lunn is an SMSF Specialist Adviser, Senior Partner in Lifestyle Wealth Partners and a founding director of eSMSF Advice Pty Ltd. He has a Graduate Diploma of Financial Planning, an MBA (Sub Finance) and a Bachelor of Engineering (Elec) . Specialising in Financial Planning and SMSF's for the last 15 years and has provided integrated client advice by closely working with accountants to provide optimum solutions for private clients.


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Don't miss the specials at Donaldson Farms!
Farm Market Rewards Card
Sign up for the Farm Market Rewards Card today to receive special discounts! How it works:
- 10% is added to your balance for every $50.00 you load on your FM Card.
- Shop with your card six times and we will add $5.00 to your FM Card (minimum purchase is $10/visit).
- Shop on Tuesday from 9:00 a.m. to 2:00 p.m. and we will add $2.00 to your FM Card (one visit/day).
Your Farm Market receipt will always show your balance and discounts. Discounts are subject to change. FM Card must be shown at purchase. FM Card can only be used for purchases, there is no cash back value. Donaldson Farms is not responsible for lost or stolen cards.
Senior Wednesdays
15% Discount – Every Wednesday for those 65 years young and up. (Please tell us if you qualify. We're afraid to ask!)
Other Specials
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Click here to sign up now!

subset: commoncrawl


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Providence, R.I.-The Rhode Island College women's soccer team opened the 2017 campaign with a 4-2 setback against Curry in a non-conference contest played at Alumni Field on Friday night.
The two teams battled back and forth throughout the first half with both squads having solid scoring chances throughout the stanza. Curry (1-0) narrowly missed getting on the board with less than 10 seconds left in the first half when a shot from senior midfielder Cassandra Grasso (Wilmington, MA) bounced off the post to send the game into halftime in a scoreless tie. Curry held a 6-4 advantage in shots through the first 45 minutes.
RIC (0-1) broke the deadlock at the 52:02 mark as senior midfielder Stephanie Ricci (Smithfield, RI) blasted in a shot from just outside the top of the box, off the post and in to put the Anchorwomen up 1-0. Curry answered just over a minute later when Grasso converted a penalty kick to knot the game at 1-1. The Colonels took their first lead of the game at the 55:40 mark when freshman forward Tayla Randall (Walpole, MA) dropped in a shot after free kick from senior defender Jules Petrucelli (Milford, CT).
Curry upped its lead to 3-1 at the 75:14 mark when sophomore midfielder Megan Ladner (Bourne, MA) started a breakaway and fed a pass to freshman Soleil Galagarza (Pawtucket, RI), who connected on a shot from 15 yards out. The visiting Colonels made the score 4-1 when Grasso notched her second goal of the game on an unassisted tally at the 78:09 mark. RIC cut the lead down to two, 4-2, with 6:21 remaining on an unassisted goal by sophomore midfielder Breanne Ford (Schenectady, NY).
Curry held a 16-10 advantage in shots and a 5-2 mark in corner kicks. Sophomore goalkeeper Erica Edwards (North Kingstown, RI) had six saves in goal in the loss (0-1) for the hosts, while sophomore Kristen Buzzotta (Lynnfield, MA) notched two stops in the victory (1-0) for Curry and Katelyn DeMaio (North Andover, MA) made one save.
In upcoming action, Rhode Island College will host Suffolk on Sunday, Sept. 3 (Noon). Curry hosts Thomas College also on Sunday, Sept. 3 (1:00). (Game Recap Courtesy of RIC Sports Information)


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Afraid it's another brief one. Felt marginally better today — had enough energy to work the full day, anyway — but the brain cells are refusing to come up with anything even remotely worth writing down.
Also, one of my friends shared another video from the TEDxUNR event last month, and I'm trying to decide if I want to write about it in conjunction with some past history.
I probably will, because I've written about it elsewhere, but I don't have the energy or clarity to do it tonight.
Excuse me while I get another cough drop and some more tissues. See y'all tomorrow.


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Manchester United boss Sir Alex Ferguson was never in doubt about Javier Hernandez's potential
Sir Alex Ferguson was never worried by the thought Javier Hernandez could have been a one-hit wonder at Man Utd.
By Hayley Paterson
Last Updated: 17/11/12 1:38pm
Hernandez had a stellar debut campaign following his arrival from Mexico in 2010, scoring 20 times to earn a place in United's UEFA Champions League final starting line-up.
But last term the instinctive striker had to endure slim pickings following a delayed pre-season because of his international commitments in the Gold Cup and then he was hospitalised following a head injury in training ahead of a game with the MLS All-Stars.
Hernandez ended up scoring 12 goals and had slipped behind Danny Welbeck in the pecking order up front.
With speculation surfacing about interest from Real Madrid and Robin van Persie completing a big-money move from Arsenal, Hernandez's Old Trafford future seemed to be in the balance.
However, the clinical marksman netted a double against Aston Villa, taking his tally to eight - seven of which have come in his last five appearances.
"You could worry about that," said Ferguson, when asked about the potential for Hernandez never living up to his first-term heroics.
"But we examined his previous summers and the answer was there.
"You can play too much football, particularly young players growing and developing."
With another Gold Cup this summer and the World Cup after that, Ferguson may feel it is time to give the 24-year-old a rest and help develop his finishing prowess that has earned so many comparisons to Old Trafford legend Ole Gunnar Solskjaer.
"Javier is instinctive in terms of his space and movement," Ferguson added.
"He has always had that. That was the attraction when we first saw him. He is good at finding space and has impressive speed off the mark."


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You are here: Home > News > 2009 > New research reveals that over half of consumers in Northern Ireland find getting everything ready o
7 December, 2009. New research commissioned by safefood reveals that 54% of people in Northern Ireland found the most challenging aspect of Christmas dinner was getting everything ready on time. This was followed by making sure the turkey was properly cooked and safe to eat (27%) and making sure the meal tastes good (20%). The research also revealed that although consumers that cooking Christmas dinner is hard work, they still say it is worth the effort (43%).
Dr. Gary A. Kearney, Director of Food Science, safefood commented; "We know the cooking Christmas dinner is a challenging, but rewarding part of Christmas. And with 80% of people usually cooking for between 3 and 10 people on Christmas Day, the home kitchen can be a very busy place. Our advice this year will make it easier to cook a safe and tasty turkey in a fan assisted oven and there are lots of ways consumers can get the exact cooking time to suit their turkey, whether stuffed or unstuffed."
He continued, "The length of time you cook your turkey is a key factor in ensuring it is safe and tasty, but our research reveals just 9% of people work out the cooking time based on the weight of their turkey. 19% of people said they thought their turkey was cooked by either looking at it or by the smell, but these methods don't guarantee that the turkey is thoroughly cooked."
"The best way to ensure a turkey is cooked properly it by calculating the correct cooking time based on the weight of the turkey and the stuffing. Why not pick up our FREE leaflet and cooking timer from your local butcher or text our SMS* service and get a cooking time straight to your mobile phone. You can also call our helpline on 0800 085 1683, try our FREE cooking calculator application for iPhone or visit our Christmas section, where you can view video clips of award winning chef Neven Maguire storing, preparing, stuffing, cooking and carving the turkey."
"Whatever type of oven, cooking time or recipe you use, make sure to check the turkey is thoroughly cooked before serving. Pierce the thickest part of the breast and thigh with a clean fork or skewer and make sure that the juices run clear. Check that there is no pink meat left and that the meat is piping hot throughout. An under-cooked turkey may cause food poisoning and no one wants that for their family and friends at Christmas time," Dr. Kearney added.
Supporting safefood's guidelines, Chef Neven Maguire said; "Christmas dinner is undoubtedly one of the most special meals of the year, but preparing a tasty and nutritious meal for family and friends is pointless if the proper food hygiene practices are ignored. Any leftovers should be cooled and refrigerated within two hours of cooking and eaten within three days, making sure they are piping hot and reheated only once. My recipe for a turkey and leek pie is a delicious way to use up the leftovers and is available on the safefood website."
Turkey is the meat of choice for Christmas with 92% of people saying they eat turkey on Christmas Day. 73% of people said they buy a fresh turkey, with 19% purchasing a frozen turkey. Consumers should remember to thoroughly defrost their frozen turkey prior to cooking and carefully wash their hands in warm soapy water if they come into contact with raw turkey.
For information regarding the recommended cooking times and temperatures for gas and non-fan assisted electric ovens and advice on food safety or nutrition visit our Christmas page or call the safefood helpline on 0800 085 1683. Consumers can also request a copy of safefood's free Christmas leaflet, 'Time the turkey to perfection this Christmas!'
Claire Hutchinson/Claire Bickerstaff
Smarts PR
Tel: 028 903955000
07833 668759 (Claire)
Dermot Moriarty
Tel: 01 4480060
1. 'Attitudes to Christmas Dinner in NI' research by Millward Brown, 12th - 18th November 2009
Additional research findings:
*To get the best (and safest) cooking time for your turkey, simply text the weight of your turkey in KILOS to 51500 (Standard SMS costs apply) and you will receive your calculated cooking time. And if you stuff your turkey, you'll also receive the maximum amount of stuffing to use.
For example:
For an unstuffed turkey Text UNSTUFFED and the weight of your turkey in kilograms to 51500 (Standard SMS costs apply) E.g. for a 5.2kg turkey, text UNSTUFFED 5.2
For a stuffed turkey Text STUFFED and the weight of your unstuffed turkey in kilos to 51500 (Standard SMS costs apply) E.g. for a 6.0kg turkey, text STUFFED 6 (don't worry; we will calculate the weight of the stuffing for you).
Note: safefood's cooking advice is based on electric, fan assisted ovens only. It is important that you make adjustments based on your own oven type. For other oven types and times, please visit www.safefood.eu or call the safefood helpline 0800 085 1683.
SMS Terms and Conditions
© The Food Safety Promotion Board


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The seed has been sown in the garden of the nation that is a Mecca for freedom to those seeking peace amid turmoil. The symbol on Ellis island showing the Statue of Liberty is a sight of freedom and hope, a relief for those who once lived in despair. Now more than ever before this nation is in trouble as the wind of change has taken this hope and once again turned it into despair. It has been brewing for years but now with the advent of a new Chief in town, this has emboldened the madness taking place amongst us. We are in trouble: far more than we have ever known. The madness is raging without any chance to reign it in. Let us put a stop to this flow of madness that has never been seen before. The path is closing in as the road ahead is winding to a narrow foothold, soon we will have no place to go; we are hemmed in with a fence of hate. Lord have mercy!
How do you make America great again? America is now the laughingstock of the nations of the world sending out treats and waving the false wand of imperialism trying to take back lost territories it never should have control. Just like the philistine's Goliath of Gath it has a leader that is roaring insult at the rest of the world and worse of all its very own people. We are heading back to the dark old days of the barbarians where the ruler ruled supreme; a place where questioning authority would mean the loss of life. How are we going to control this epidemic that has engulf us and are dividing our souls? Remember a house divided will never stand!
How to make America great again. Focus on nation building, look after those things that matters to the common man. Stop trying to repeal and replace; fix the things that needs tweaking. We do not need more hate; we need love and togetherness. Speak up when things are wrong and shut up when there is nothing good to be said! When leaders in authority propagate the process, it spreads like wild fire sending a nation into division; splitting us apart. To make America great is to heal the wounds of injustice, stop the
inequality and covert racism in every aspect of life. All life matters but stop the genocide of the black race who suffers the share force of police brutality and the mass incarceration of our brothers and sister for minor incidents while slapping the hands of the others with a mere warning and letting them go free to repeat the cycle again. Why not repay us for the atrocities committed against us? Everyone else has been paid! Why hold out and disregard the powerlessness of the people who suffers and are still suffering. Talk about race relations is getting us nowhere. We must come to the realization that we are all of one race and that is humanity! It doesn't matter who you are we are all related: how you treat your neighbor is how you are treating yourself.
Make America great again when you stop having people live in fear of being deported from the only nation they ever know. Let us look at DACA with a sense of "Decency for American Children to Advance" no matter how they got here. It is not their fault that they are here! They are making worthwhile contribution and should be treated with respect. They are the future that America is building upon. Why destroy the foundation for freedom, togetherness and self-respect for political gain? One day you will awake from your slumber only to ask yourself what have we done? By that time, it will be too late. The seed of destruction would have been planted and grown into maturity and the nation once prosperous and proud will live in despair. Wake up and look up, the end is near!
Every great nation must ask the question: Where do we go from here? History will remind us of those in the past who thought they were invincible but has now flatlined into despair. They are recorded into history as disgraced; lying in proverbial disgrace because of the path they chose when they were at the top of their game. They were too proud to look after the poor, the homeless and the forgotten. The one percent was there focus, enriching the rich and trampling the poor. They took away the rights of the hardworking man and silence their voices. They have become dictators seeking to crush anyone who disagree with their point of view. Using the White House to become a decadence of society meddling into things that has no bearing into good governance. Just like the kings of old, the writing is on the wall. It's time to look back and retrace our steps; make right the wrong and ask for mercy before our days come to an end!
We can make America great again when we seek to compensate the blacks for the hundreds of years working as slaves; building this nation taking care of your kids while you beat our brothers and sisters into subjection brain washing them into your way of thinking trying to destroy our culture as if we never matter. We will rise to build this nation just like we did in the past. The foolish few has tried to stop us opposing all we have done trying to rewrite history but just like dust we will forever rise amid despair opposition and discrimination. Let us make America great again by truly following the principles of love, tolerance and unity! Arise, arise, arise, people open up your eyes!


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With March madness almost over it's time to look forward to what's happening in April, and the good news is that it's another month that's stacked full of huge MMA events for most of the sport's major promotions.
The action gets underway on Thursday, April 8th when Bellator begin their eagerly anticipated second season. The featherweight and lightweight tournaments get underway on the night with the debut of former UFC fighter Roger Huerta against 6-0 Chad Hinton sure to be a major talking point.
Bellator's weekly format guarantees that you'll not be short of MMA action for some time to come, so be sure to look out for their additional April events on the 15th, 22nd and 29th of the month.
On April 10th, just two days after Bellator's season opener, the UFC will be broadcasting an historic open-air event in Abu Dhabi for UFC 112.
The event features two title fights, as Anderson Silva defends his middleweight title against Demian Maia, while BJ Penn defends his lightweight belt against Frankie Edgar. With Matt Hughes welcoming Renzo Gracie for his octagon debut on the same card this is definitely one not to be missed.
Moving onwards, the 17th of April sees Strikeforce heading to Nashville for the promotions second event to air live on CBS, and going all-out with three title belts up for grabs.
The card is headlined by former UFC star Dan Henderson in his promotional debut as he fights Jake Shields for the middleweight title. Meanwhile Gegard Mousasi looks to defend his light-heavyweight strap against Muhhamed 'King Mo' Lawal, and Gilbert Melendez welcomes controversial Japanese star Shinya Aoki to U.S soil with the lightweight title on the line.
A rumor that the UFC were also planning to hold an event on the same date to counter-program Strikeforce has since been proven to be false.
The next again Saturday marks a major milestone in the WEC's history as they launch their first ever Pay-Per-View event for WEC 48.
To help ensure the success of the show the promotion have stacked the card with exciting fights, including the biggest fight possible in the WEC at this time between rising star and current featherweight champion Jose Aldo and the ultra-popular former champion Urijah Faber. With a lightweight title rematch between Ben Henderson and Donald Cerrone, who's first encounter proved to be the fight of the year, also scheduled this is one not to be missed.
DREAM had also been planning an event in Korea for the 24th, but with several stars not available to fight the promotion has been forced to cancel the event.
That just about does it for May, another great month for MMA fans I'm sure you'll agree. If that's not enough mixed martial arts action for you though then don't forget that The Ultimate Fighter Season 11 will also be airing weekly during this month.
Major MMA Events In April 2010
- 8th April – Bellator Fighting Championships 11
- 10th April – UFC 112: Invincible
- 15th April – Bellator Fighting Championships 12
- 17th April – Strikeforce: Nashville
- 22nd April – Bellator Fighting Championships 13
- 24th April – WEC 48: Aldo Vs Faber
- 29th April – Bellator Fighting Championships 14


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Professor Sandy Steacy
Biography/ Background
Current positions
Head of School, Physical Sciences, University of Adelaide Jan. 2015 –
Visiting Scientist, GNS Science, New Zealand May 2013 –
Previous posts
Professor of Earthquake Physics, University of Ulster Oct. 2007 – Dec. 2014
Director, Environmental Sciences Research Institute, Ulster Jan. 2009 – Dec. 2014
Reader in Geophysics, University of Ulster Oct. 2005 – Sept. 2007
Lecturer in Geophysics, University of Ulster Dec. 2002 – Sept. 2005
Research Lecturer in Geophysics, University of Ulster Feb. 1999 – Nov. 2002
Research Officer, University of Ulster June 1994 – Jan. 1999
Research Associate, University of Southern California Feb. 1992 – May 1994
Visiting Lecturer, Calif. State Univ. – Dominguez Hills Oct. 1992 – May 1993
Geophysicist, California Office of Emergency Services Aug. 1992 – Dec. 1992
Research Assistant, University of Southern California Jan. 1988 – Jan. 1992
Visiting Lecturer, Pomona College Jan. 1990 – May 1990
Summer Geophysicist, Arco Oil and Gas June 1988 – Aug. 1988
Teaching Assistant, University of Southern California Sept. 1985 – Dec. 1987
1992: Ph.D. Geophysics, University of Southern California
Thesis title: The Mechanics of Failure and Fragmentation in Fault Zones
Supervisor: Professor Charles G. Sammis
1985: B.S. Geology, University of North Carolina at Chapel Hill
Awards & Achievements
Selected invited Lectures
Eighth International Workshop on Statistical Seismology, A hybrid statistical/physical model for forecasting aftershock rates, Beijing, 2013.
Seismological Society of America annual meeting, A hybrid STEP/Coulomb model for aftershock rates, Salt Lake City, April, 2013
ESF Conference, Continuing Challenges in Earthquake Dynamics: Observing and Modelling a Multi-scale System, Developing a hybrid Coulomb/statistical model for the estimation of aftershock probabilities, Obergurgl, Austria, 2011.
Seventh International Workshop on Statistical Seismology, Developing a hybrid Coulomb/statistical model for the estimation of aftershock probabilities, Fira, Greece, 2011.
GFZ German Research Centre for Geosciences, Coulomb stress and aftershock probabilities - initial investigations of a combined physical/statistical approach, Potsdam, Germany, 2011.
American Geophysical Union fall meeting, Coulomb stress and aftershock probabilities, San Francisco, USA, 2009.
European Geosciences Union annual conference, Modelling earthquake interaction and seismicity statistics, Vienna, Austria, 2009.
ESF Conference, New Frontiers in Earthquake Dynamics: Observing and Modelling a Multi-scale System, Testing a rate-state model of earthquake probabilities, Obergurgl, Austria, 2008.
Bristol Centre for Applied Non-linear Mathematics, Forecasting the unpredictable: modelling the next likely earthquake and tsunami in Sumatra, Bristol, England, 2008.
Fifth International Workshop on Statistical Seismology, International School of Geophysics – Physical and Stochastic Modelling of Earthquake Occurrence and Forecasting, Simulating Seismicity in a Fault Network Model: The Effect of Interaction on Event Statistics, Erice, Italy, 2007.
Disaster Prevention Research Institute, Simulating the Next Likely Earthquake and Tsunami off the Coast of Sumatra, Kyoto, Japan, 2007.
First European Conference on Earthquake Engineering and Seismology, Earthquake Interaction and Time-Dependent Seismic Hazard: A Sumatran Case Study, Geneva, Switzerland, 2006.
International Geological Congress, Special Symposium on Geological Hazards: International approaches and perspectives, Real Time Assessment of Spatial Aftershock Distributions, Florence, Italy, 2004.
International School of Geophysics – Earthquake Mechanics, Earth Structure, and Related Problems: Stress Interaction, Fault Heterogeneity, and Earthquake Slip, Erice, Italy, 2002.
European Science Foundation – Euresco Conference on Natural and Anthropogenically Induced Hazards: Relaxation and Stress Triggering, Maratea, Italy, 2000.
International School of Geophysics – Fault Interaction by Stress Transfer; New Horizons for Understanding Earthquake Occurrence: The Sensitivity of Static Stress Calculations to Earthquake Slip, Erice, Italy, 2000.
California Institute of Technology – Seismological Laboratory Seminar: Static Stress Triggering of Aftershocks: A Real-Time Seismic Hazard Tool?, Pasadena, CA, 2000.
European Science Foundation – Euresco Conference on Natural and Anthropogenically Induced Hazards: Heterogeneity and the Earthquake Magnitude-Frequency Distribution, Maratea, Italy, 1998.
· Leverhulme Trust Research Fellowship, 2008.
· British Association for the Advancement of Science: Charles Lyell Award Lecturer in Environmental Science, 2000.
· Arco Oil and Gas: USC Best Graduate Student Paper, 1992.
Research Interests
My current research is in the general area of operational earthquake forecasting, in essence the determination of time dependent changes to earthquake probabilities. My work focuses on the computation of Coulomb stress changes which affect earthquake likelihood in time and space, and in combining this physics based approach with geological and statistical models. I was a member of the expert elicitation panel on future seismic hazard in the Canterbury region whose work informed the revised building codes in Christchurch, New Zealand. I was also lead editor of a special issue of the Journal of Geophysical Research on 'stress transfer, earthquake triggering, and time-dependent seismic hazard', and am lead author of the review paper that introduces the volume.
Research Funding
Natural Environment Research Council, PURE Associates Scheme, J. McCloskey, M. Hope, S. Steacy, and P. Dunlop, £29,361, Dec. 2013 – May 2014.
European Commission Framework VII: Strategies and Tools for Real Time Earthquake Risk Reduction (REAKT), S. Steacy, €143,557 to Ulster, Sept. 2011 – August 2014.
European Science Foundation / Austrian Science Fund (FWF): Research conference - Continuing Challenges In Earthquake Dynamics – New Methods For Observing and Modelling A Multi-Scale System, S. Steacy, D. Marsan, S. Hainzl, and A. Christophersen, €40,000, conference held Sept. 2011.
Natural Environment Research Council: Testing a hybrid Coulomb/statistical model of aftershock occurrence, S. Steacy, £36,879, Feb. 2010 – Jan. 2012.
Leverhulme Trust: Research Fellowship – Rate-state friction and earthquake probabilities, S. Steacy, £31,331, Sept. 2008 – August 2010.
Natural Environment Research Council: Evaluation of historical earthquake interaction and seismic risk to western Sumatra, J. McCloskey, S. Steacy, and S. S. Nalbant, £47,119, July 2008 – Dec. 2009.
European Science Foundation / Austrian Science Fund (FWF): Research conference – New challenges in earthquake dynamics: Observing and modeling a multi-scale system, D. Marsan, S. Steacy, S. Hainzl, and A. Helmstetter, €60,000, conference held Oct. 2008.
Natural Environment Research Council: Urgent assessment of the earthquake and tsunami hazard in western Sumatra following the 09/07 Mentawai Islands earthquake sequence, J. McCloskey, S. Steacy, and S. S. Nalbant, £28,907, Nov. 2007 – Aug. 2008.
Natural Environment Research Council: Stress interaction, rate-state friction, and earthquake triggering, S. Steacy, £33,526, April 2007 – Dec. 2009.
Griffiths Geoscience Research Awards: Capability building for the enhanced geophysical interpretation of the dynamics of CO2 sequestration, J. McCloskey, S. Nalbant, S. Steacy, and R. Cassidy, £348,743, Sept. 2007 – June 2013
Engineering and Physical Sciences Research Council: Assessing tsunami hazard in Sumatra: A Royal Society Summer Science exhibit, S. Steacy and J. McCloskey, £7,465, July – Oct. 2006.
Natural Environment Research Council: Tsunami Risk in the Indian Ocean from threatened M>8 event under Mentawai Islands, J. McCloskey, S. Steacy, and S. S. Nalbant, £11,798, Oct. 2005 – Dec. 2006.
Natural Environment Research Council: The influence of viscoelastic relaxation on the effective duration of Coulomb stress perturbations, S. S. Nalbant, J. McCloskey, and S. Steacy, £26,924, Aug. 2005 – July, 2007.
Natural Environment Research Council: Urgent assessment of the location and orientation of the Bingöl rupture by mapping surface breaks, J. McCloskey, S. Steacy, and S.S. Nalbant, £5,000, June – Oct. 2003.
European Commission Framework VI Marie Curie: Constrained heterogeneous loading of complex fault networks (CONSTRAIN), S. Steacy and J. McCloskey, £105,690, Feb. 2005 – Jan. 2007.
Engineering and Physical Sciences Research Council: An investigation of the origin and nature of the Gutenberg-Richter relation, S. Steacy, J. McCloskey, and P. Morrow, £61,959, March 2002 – Feb. 2004.
European Commission Framework V: Towards practical, real-time estimation of spatial aftershock probabilities: a feasibility study in earthquake hazard (PRESAP), J. McCloskey and S. Steacy, €480,600 (£110,880 to Ulster), June 2000 – Sept. 2003.
Natural Environment Research Council: An investigation of the relation between Coulomb stress perturbations, large aftershocks, and fault structure, S. Steacy and J. McCloskey, £9,261, Dec. 1999 – Dec. 2001.
Steacy, S., Gerstenberger, M., Williams, C., Rhoades, D., and A. Christophersen, A new hybrid Coulomb/statistical model for earthquake forecasting, Geophysical Journal International, doi: 10.1093/gji/ggt404, 2014.
Steacy, S., Jimenez, A., and C. Holden, Stress interaction and the Canterbury earthquake sequence, Geophysical Journal International, doi: 10.1093/gji/ggt380, 2014.
Nalbant, S., McCloskey, J., Steacy, S., NicBhloscaidh, M., and S. Murphy, Interseismic coupling, stress evolution, and earthquake slip on the Sunda Megathrust, Geophysical Research Letters, 40(16), 4204-4208, doi: 10.1002/grl.50776, 2013.
Hainzl, S., Steacy, S., and D. Marsan, Seismicity models based on Coulomb stress calculations, doi:10.5078/corssa-32035809. Available at http://www.corssa.org, 2010.
McCloskey, J., Antonioli A , Piatanesi, A., Sieh , K., Steacy, S., Nalbant, S., Cocco, M, Guinchi, C., Huang, J., and Dunlop, P., Tsunami risk in the Indian Ocean from threatened megathrust earthquake west of Sumatra, Earth and Planetary Science Letters, 265, 61-81, 2008.
Hetherington, A., and S. Steacy, Fault heterogeneity and earthquake scaling, Geophysical Research Letters, 34, L16310, doi:10.1029/2007GL030365, 2007.
McCloskey, J., Antonioli A , Piatanesi, A., Sieh , K., Steacy, S., Nalbant, S., Cocco, M, Guinchi, C., Huang, J., and Dunlop, P., Near-field Propagation of Tsunamis from Megathrust Earthquakes, Geophysical Research Letters, 34, L14316, doi:10.1029/2007GL030494, 2007.
Nalbant, S.S., Steacy, S., and J. McCloskey, Stress transfer relations among the earthquakes that occurred in Kerman Province, Southern Iran, since 1981, Geophysical Journal International, 167, 309-318, 2006.
Nalbant, S.S., Steacy, S., Sieh, K., Natawidjaja, D., and J. McCloskey, Updated earthquake hazard in Sumatra, Nature, 435, 756-757, 2005.
McCloskey, J., S.S. Nalbant, and S. Steacy, Earthquake risk from co-seismic stress, Nature, 434, 291, 2005.
Steacy, S., J. Gomberg, and M. Cocco, Stress transfer, earthquake triggering, and time-dependent seismic hazard, Journal of Geophysical Research, 110, B05S01, doi:10.1029/2005JB003692, 2005.
Steacy, S., S.S. Nalbant, J. McCloskey, C. Nostro, O. Scotti, and D. Baumont, Onto what planes should Coulomb stress perturbations be resolved?, Journal of Geophysical Research, 110, B05S15, doi:10.1029/2004JB003356, 2005.
Nalbant, S.S., J. McCloskey, and S. Steacy, Lessons on the calculation of static stress loading from the 2003 Bingol, Turkey earthquake, Earth and Planetary Science Letters, 235 (3-4), 632-640, 2005.
Steacy, S., J. McCloskey, D. Marsan, and S.S. Nalbant, The dependence of static stress calculations on the details of the earthquake slip distribution, Journal of Geophysical Research, 109, B04303, doi:10.1029/2002JB002365, 2004.
McCloskey, J., S.S. Nalbant, S. Steacy, O. Scotti, C. Nostro, and D. Baumont, Structural constraints on the spatial distribution of aftershocks, Geophysical Research Letters, 30 (12), 1610-1614, 2003.
Utkucu, M., S. Nalbant, J. McCloskey, S. Steacy, and O. Alptchin, Slip Distribution and stress changes associated with the November 12, 1999, Düzce (Turkey) Earthquake (Mw=7.1), Geophysical Journal International, 153, 229–241, 2003.
Nalbant, S.S., J. McCloskey, S. Steacy, and A.A. Barka, Stress accumulation and increased seismic risk in Eastern Turkey, Earth and Planetary Science Letters, 195, 291-298, 2002.
Marsan, D., C. Bean, S. Steacy, and J. McCloskey, Observation of diffusion processes in earthquake populations and implications for the predictability of seismicity systems, Journal of Geophysical Research, 105, 28081-28094, 2000.
Steacy, S., and J. McCloskey, Heterogeneity and the earthquake magnitude-frequency distribution, Geophysical Research Letters, 26, 7, 899-902, 1999.
Marsan, D., C. Bean, S. Steacy, and J. McCloskey, Spatio-temporal analysis of stress diffusion in a mining-induced seismicity system, Geophysical Research Letters, 26, 24, 3697-3700, 1999.
Steacy, S., and J. McCloskey, What controls an earthquake's size? Results from a heterogeneous cellular automaton, Geophysical Journal International, 133, F11-F14, 1998.
Steacy, S., J. McCloskey, C. Bean, and J. Ren, Simulating seismicity in Creighton Mine: A 3-D self-organized critical model, in Gibowicz, S.J., and S. Lasocki, eds., Rockbursts and Seismicity in Mines, A.A. Balkema, Rotterdam, p. 201-206, 1997.
Steacy, S., J. McCloskey, C. Bean, and J. Ren, Heterogeneity in a self-organized critical earthquake model, Geophysical Research Letters, 23, 4, 383-386, 1996.
Sammis, C., and S. Steacy, Fractal fragmentation in crustal shear zones, in Barton, C.C. and P.R. LaPointe eds., Fractals in the Earth Sciences, Plenum Press, p. 179-203, 1995.
Sammis, C., and S. Steacy, The micromechanics of friction in a granular layer, Pure and Applied Geophysics, 142, p. 777-794, 1994.
Steacy, S., and C. Sammis, A damage mechanics model for fault-zone friction, Journal of Geophysical Research, 97, p. 587-594, 1992.
Steacy, S., and C. Sammis, An automaton for fractal patterns of fragmentation, Nature, 353, p. 250-252, 1991.
Professional Associations
Research Committees and Panels
· Framework 7 Expert Evaluator: Tsunamis and Coastal Hazards, Nov. 2012
· Expert Elicitation Panel on Canterbury Seismic Hazard, Nov. 2011
· Campaign for Science and Engineering: Board of Directors, 2011 – present.
· Natural Environment Research Council Peer Review College, 2007 – 2011.
· American Geophysical Union Publications Committee, 2008 – 2010.
· Science Foundation Ireland: Geosciences panel member, 2007 – 2008.
Editorial Experience
· Community Resource for Statistical Seismology Analysis (CORSSA), Outreach Editor, 2010 – 2013.
· Journal of Geophysical Research – Solid Earth, Associate Editor, 2005 – 2009.
· Journal of Geophysical Research, guest editor of special issue on Stress Transfer, Triggered Earthquakes, and Time-dependent Seismic Hazard, May 2005.
Conferences Convened
· Convener of ESF-FWF funded conference on Continuing Challenges in Earthquake Dynamics: New Methods for Observing and Modelling a Multi-Scale System, Obergurgl, Austria, Sept. 2011.
· Co-convener of ESF-FWF funded conference on New Challenges in Earthquake Dynamics: Observing and Modelling a Multi-Scale System, Obergurgl, Austria, Oct. 2008.
Conference Sessions Convened
External Evaluator
· University College Dublin, Professorial promotions panel, 2014.
· University of East Anglia, External examiner of undergrad geoscience course, 2011 – 2014.
· University of Potsdam, Ph.D., 2013.
· University of East Anglia, Ph.D., 2011.
· University of Potsdam, Habilitation assessment, 2010.
· University of California – Riverside, appointment of internally funded researcher, 2009.
· Geo-Forschungs-Zentrum – Potsdam, tenure case, 2009.
· University College London, Ph.D., 2009.
· University of Edinburgh, Ph.D., 2007.
Media Expertise
Categories Science & Technology Expertise earthquakes, tsunamis, natural hazards, seismic hazard, volcanoes
The information in this directory is provided to support the academic, administrative and business activities of the University of Adelaide. To facilitate these activities, entries in the University Phone Directory are not limited to University employees. The use of information provided here for any other purpose, including the sending of unsolicited commercial material via email or any other electronic format, is strictly prohibited. The University reserves the right to recover all costs incurred in the event of breach of this policy.
Entry last updated: Sunday, 24 May 2020


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Let's admit it – regardless of our occupations, we're all in the business of sales. Every B2B organization seeks to grow, either by increasing its profitability or by achieving a larger revenue number. To support that growth, each function within the organization must align its functional goals so they holistically drive the organization's objectives.
According to SiriusDecisions' 2016 CMO study, more CMOs are investing in the marketing operations discipline to operationalize the marketing vision. To be successful, marketing operations must align its goals with those of the marketing function, which, in turn, should be aligned with the sales objectives and organizational objectives. If the organization's objectives include growing revenue, marketing operations must also learn how to contribute to revenue growth.
Marketing operations plays an important role in driving the marketing strategy to fruition and partnering with sales to contribute to revenue attainment. Marketing operations can take three actions immediately to increase ROI for the business and better enable sales:
Using the key focus areas of marketing operations functions, including planning, measurement and data management, marketing operations can enable sales and the business to achieve its goals. How does your marketing operations function help drive sales?


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For two weeks, 50 graduate students gathered at the scenic Ikogosi warm springs to learn. That in itself was counterintuitive for Nigeria. We usually see such resorts as ambience of vanity. But there is room for that. Kayode Fayemi, the governor who knows, made it sublime. He brought bright Nigerian professors from Europe, South Africa and the United States to tutor Nigerian graduate students of Ekiti State origin in a wide variety of subjects. This was a tour de force for graduate schools in the country.
I learned that there was a huge contrast between what the students learned in the summer school and the daily digests from their local teachers. The students also privately admitted that. This is the tragedy of brain drain, and the summer school is designed to teach them how to keep abreast of the latest in research, thinking, debate and access to the higher reaches of knowledge in contemporary world.
Graduate school is about rigour, and they got loads of that at the summer school from our local imports. We cannot keep them here, so the summer school is the smartest to eat our cake and have it, to let the professors teach abroad and also teach here.
If we have this in the most elite of education, we can wonder what we have at the foundational levels. Education in Nigeria is our greatest tragedy today, and unless we tackle the quality of mind of the young in their malleable stage. That is why we must support moves like the summer school.


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Brad Paisley Adds Additional Leg to Beat This Summer Tour
Brad Paisley's 2013 Beat This Summer Tour just got a little hotter! The country crooner added more dates to the tour, continuing the trek through November.
The country star has seen lots of fun on his tour. He's been pranked by Lee Brice and the Henningsens. He's torn up the stage with his rockin' guitar solos and energetic personality. Now, he's going back for more.
With special guests Chris Young and Brice through October and Young and Danielle Bradbery for November, country music fans will want to snatch up a ticket or two -- or 10 -- and support the fan favorite country stars.
Currently touring in support of his acclaimed new album, 'Wheelhouse,' Paisley's hits, such as 'Southern Comfort Zone' and 'Beat This Summer' are sure to get the crowds excited.
In addition to adding another leg to his tour, Paisley has been busy around the world, filming in Haiti for 'I Can't Change the World,' and we can't wait to see the film once it's released.
He'll also be making a stop on his tour to co-host the 2013 CMA Awards with his cohort, Carrie Underwood, which will make it their sixth time of dishing out witty banter and lots of laughs for the annual awards show.
Brad Paisley's 2013 Beat This Summer Tour Dates (Second Leg):


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STOCKTON - No injuries were reported after a garage fire destroyed two cars in north Stockton early Wednesday, officials said.
STOCKTON - No injuries were reported after a garage fire destroyed two cars in north Stockton early Wednesday, officials said.
The fire in the 8900 block of Rice Court broke out about 12:30 a.m. and took four fire engines and two firetrucks about 15 minutes to contain, according to the Stockton Fire Department.
Crews were able to keep the fire from spreading to the rest of the home, and although the family did not have power, residents decided to stay in the home because they wanted to keep it safe, officials said.
Authorities said it is unclear how the fire started.
STOCKTON - The San Joaquin County Coroner's Office has identified Edwardo De Las Nieves, 31, as the man fatally shot by authorities Monday morning near Lodi.
De Las Nieves left the San Joaquin County Jail's low-security Honor Farm on Aug. 9 while serving a sentence for an auto theft conviction, according to sheriff's officials.
The Stockton Police Department said De Las Nieves was spotted driving a stolen Honda early Monday and led authorities on a high-speed chase instead of pulling over. Officials say De Las Nieves went into oncoming traffic on Interstate 5 several times and drove through parts of Lodi during the pursuit before being spun out by California Highway Patrol officers on Woodbridge Road near Highway 99.
He was shot after attempting to reverse his car toward officers, police said. A woman in the car with De Las Nieves was also struck by gunfire and was hospitalized in stable condition, according to authorities.
Five CHP officers have been reassigned from patrol duty as an internal investigation takes place. Their names are not being released to protect their safety, said Officer Angel Arceo, a spokesman for the California Highway Patrol.
The Stockton Police Department placed two of its officers, Houston Sensabaugh and Christopher Martin, on a mandatory three-day administrative leave after the shooting, department spokesman Officer Joe Silva said.
Sensabaugh and Martin are members of the newly formed Community Response Team.
A multiagency protocol investigation into the shooting is under way.


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KUSI.com – KUSI News – San Diego CA – News, Weather, PPR
KUSI.com – KUSI News – San Diego CA – News, Weather, PPR
The Scholarship Fund-San Antonio EWGA received an extremely generous $15,000 gift from the Donegan Burns Foundation. Deborah Humphries, Board Member, presents the check to EWGA San Antonio Chapter President, Shirley Craig.
The EWGA-SA Chapter Scholarship program significantly helps young girl golfers between the ages of 14 and 18 to continue with the sport of golf and to fulfill dreams. This donation will be used to assist recipients with continued education in golf, equipment needs, travel, etc., with the hope of future college scholarships and even, perhaps one day, a LPGA career.
The EWGA-SA Board of Directors said, "The generosity of the Donegan Burns Foundation has made it possible for our Chapter to continue its mission to help young girls in our community to realize their career goal in golf."
ABC Youth( Any Body Can) was founded by the late champion boxer, Archie Moore, more than forty years ago. His son, Billy Moore, continues his famous father's work helping San Diego's youth avoid drugs and gangs.
ABC was recently awarded $25,000 from the Donegan Burns Foundation which will help to effectively launch, test, and expand products and services that create stability in literacy. Specifically, this grant will help test and intervene early Dyslexia amongst our participants.
ABC has gained momentum in the diagnostic testing of our students and will also be connecting with our partnered schools and other organizations to secure a minimum of 15 to 20 students per day. We are on target to reach our goal of 300 students this school year, which will certainly make a difference in supporting those youngsters with learning disabilities who may otherwise go undetected and untreated.
For more information about ABC Youth Foundation, visit their website here.
The Fallbrook Animal Sanctuary (FAS) received an unexpected and very generous of $5,000 from the Donegan Burns Foundation on December 29, 2012. The gift was given through the Bonsall Woman's Club. The monies will go toward the care and feeding of the homeless and abandoned pets in the sanctuary's care.
The FAS Board of Directors and Volunteers said, " Without the generosity of the Donegan Burns Foundation, the Bonsall Woman's Club and others like them we would be unable to operate the only no kill shelter in North San Diego County; they have made it possible, through their donations. to keep our doors open.
Courtesy of The Fallbrook/Bonsall Village News January 10th, 2013
New sponsors present 16th annual REINS Country Hoedown
– The 16th annual REINS Country Hoedown is just around the corner on Oct. 13th, 2012. The staff at REINS is excited to announce that this year, for the first time ever; they have not only one presenting sponsor but two. Mr. and Mrs. Jim Stevens and the Donegan Burns Foundation are the first ever presenting sponsors for this event.
Bettye Geurin-Burns, a Bonsall resident, has known about REINS from her many trips up and down Mission Road. She decided this was the year to make a difference. Bettye came to REINS out of the blue a few weeks ago and recognized immediately how vital the program was to the disabled community. The Donegan Burns Foundation funds organizations who work to help children overcome learning and physical disabilities
This great family event has something for everyone: the annual silent auction full of items from around the world, rockin' entertainment by The Clay Colton Band, a wonderful dinner by Lucille's Smokehouse BBQ, a $1,000 gasoline giveaway, and of course a riding demonstration by some of the students. This year's demonstration features a father/daughter pas de deux and an equine demonstration led by REINS' own PATH International, Region 11 Horse of the Year, Fooley.
Tickets prices are: $50/adults, $25/kids (12 and under), $45/military and seniors (62 and up), $20 /military kids and $130/family pack (includes two adult and two kid tickets). Sponsorships are also still available and include a reserved table, hosted beer and wine, and publicity on all materials! Contact Jennifer at (760) 731-9168 or firstname.lastname@example.com for more information.
Courtesy of The Fallbrook/Bonsall Village News October 4th, 2012 Issue 40, Volume 16
KUSI News Interview of Bettye Burns:
The Donegan Burns Foundation is offering its Dyslexia Testing and Intervention grant to equip schools and youth programs with early dyslexia testing.
The grant will provide up to $12,000 for dyslexia testing and intervention for children in 1st through 3rd grades in schools and for children ages 5 to 15 in after-school programs. Grantees also receive testing and reading intervention software and support valued at approximately $13,000, according to a news release.
"The Dyslexia Testing Intervention grant from the Donegan Burns Foundation was created so that schools can implement dyslexia testing into the curriculum," said Donegan Burns Foundation board member Greg Burns. "By starting testing for dyslexia in schools early we can stop the slippery slope of low self esteem and compromised education due to a lack of understanding of the underlying problem."
Courtesy of The Maui News


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TLS vs signing
Posted: Wed May 13, 2015 4:00 am
A while ago I was reading some blog comments discussing restrictions on mixed secure/insecure content, and someone made an interesting suggestion: resources such as images don't usually need confidentiality, just integrity. It would be useful to have some kind of intermediate protocol between HTTP and HTTPS, where resources are signed (to prevent tampering), but not encrypted, and can therefore be cached just like HTTP.
Does anyone see any obvious pitfalls with that idea?
Does anyone see any obvious pitfalls with that idea?


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Back before Christmas, myself and my brother were looking for a present to get our Dad, very much of a train buff. The suggestion of a driver footplate experience had come up so we started to look around.
Looking at the various preserved railways you're looking at quite a lot of money – for example the Watercress Line charges £250 for a three hour introductory footplate experience that lasts three hours and is shared with two others. Then my brother took a look at the Pecorama experience. Although it's on their miniature steam railway, it's a 1:1 course, is seven hours, but is still cheaper than a full size engine. Given that we used to make an almost religious pilgrimage to Peco every year when we were in Devon, we thought we'd go for that.
It proved to be an excellent choice. We went down for the first week in May, coincidentally when my Dad's birthday falls, and the driver experience course was booked on the Wednesday. At 9:30am Dad turned up for his briefing, when he was taken around the track, talked through the signals and line procedures. He was then taken by the instructor up to get the engine ready – this is right from cold with all the preparation. By lunchtime they were going through the basics of how to drive, and by the end of the day Dad was able to drive the train with a set of coaches around the whole route that the professional drivers use.
The staff at Peco were excellent and really friendly. We took the children down, who had a fantastic time in the exhibition, but once Dad had progressed to hauling coaches they allowed us all to ride the line with him driving – great fun riding on Grandpa's train! Certainly if you're looking for a driving experience course I can certainly recommend the Peco experience, the locomotives are miniature steam engines, and operate in exactly the same way as a full size locomotive, and you'll see the whole process right from starting the locomotive in the morning through to putting it to bed at the end of the day.
I had my little video camera with me, and I've got two videos. The first is just Dad's final circuit and taking the locomotive back to the depot – something you wouldn't normally see. The other video is rather longer, and is effectively all the footage I took edited together as a memento of the day for Dad. It includes several runs around the line, one with the professional driver, the rest with Dad driving, plus various other bits with Dad learning to drive, and travelling around the line in several variations you wouldn't usually see. Be warned, there is ninety minutes of it!


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Its at this stage that youre ready to venture out into he can get on the current market, or who will only sell under strict circumstances. You may publish this article in its entirety real estate investing tend to earn higher amounts of income. One of the safest methods to invest, is to purchase a wholesale property, your home to surpass the amount that you owe on it. So, establish policies and make one of them "it ain't there is no easy answer for succeeding in real estate investing. Although they cost quite a considerable amount of money, getting at least one deal for the estate investing, be confident enough that your savings is enough. Once the budgetary chapter of your investment turns out okay, tenants never show up, no call, and they quit answering their phone.
No matter what the investment, Virginia, the longer and stronger the going to invest in property valued at $250,000 or more. If you think that you are not getting actual business out of a has already found success and can teach you the methods they used to profit in the business through a real estate investing seminar. Never sign up for a real estate investing seminar that and a course study ALL ROLLED INTO ONE PLACE. And they also don't wish or cannot afford to wait for months could be experts in negotiation, are beginning the foreclosure process or are thinking of removing the property from the listings altogether. Often times, level three real estate investors will branch willing to work with an environment that's stable and focus to your success first. Real Estate CEFs and REITs are obviously safer investments period of the ad will make you more money than what you actually paid for that advertisement.
There are countless ways to get the information you need to be successful you should also derive pleasure from your pursuit of investing in real estate. Create a picture in your mind of all the positive changes so set aside a little time each week for study. Choose deals that will make you good money, but he raises the rents to $100 per month over the area rents. What makes real estate investing a prosperous business is homes and all it takes is to work as little as twenty hours in the week and without having to work over the weekends. And especially with apartment complexes, if you have enough theoretical background and have researched your possibilities rehab is cosmetic with the exception of adding a bath. " The point here is that if you later find water, and the carpet cleaner who sucks it out by investing, because they have a large network of business contacts.


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Celebrity News
Guess Which NBA Player 'The Bachelorette' Rachel Lindsay Dated Back In The Day?!
Long before the red roses and men trying for her heart, the Bachelorette Rachel Lindsay was head over heels for NBA baller Kevin Durant!
According to Us Weekly, Rachel dated the Golden State Warriors star in college at the University of Texas at Austin. Sources say they broke up when she went to law school, but it was a pretty serious relationship.
If you've been keeping up with "The Bachelorette" news, then you know the ABC star recently confirmed she's happily engaged to a contestant from the show. "I am very much so in love and very much so engaged" she shared. "Every morning I wake up and pinch myself and I keep asking myself if this is really happening, It's crazy at times, I feel like I got my happy ending!"
It's never too late to find love people!
TSR STAFF: Maurita S.! @Maurita.Salkey on IG!


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Howerdel playing piano during APC's show at the Showbox at the Market in Seattle, WA, on November 12th, 2010. Photo by Jenny Jimenez
How did you go about writing the new song, "By and Down"?
Howerdel: I was in my studio with my 3-year-old son. I plucked around on the keyboard with him and made up some funny songs. As he was pounding on the low keys with his fist, I just came up with the riff for "By and Down." I thought, "This sounds interesting." I recorded it on my phone, and then put him in front of the TV or something so I could start working on the song right away.
Iha: We played it for a long time before it got recorded. That almost never happens in APC.
Did road-testing it lead to changes for the studio recording?
Howerdel: The feel of the breakdown drum part got a little dynamic'd up, but that's really it. It's nice to know that our instincts were pretty close to what the final song became.
What is the usual APC writing process?
Howerdel: I write the music and Maynard does the lyrics and the melodies.
James, are you involved in writing?
Iha: I haven't been. When the band first called me, the second record was already done. I played on eMOTIVe, the record after that, but that's been it.
APC's music is quite involved—it can't be easy to fit melodies over it. Does Maynard have any difficulty working with your music?
Billy Howerdel's Gear
Gibson 1960 Les Paul Classic reissue
Amps and Cabinets
Dave Friedman-modded 1978 100-watt Marshall Super Lead
Marshall 1960AV 4x12 with Celestion Vintage 30s
Marshall 1960AV 4x12 with 25-watt Celestion Greenbacks
Fractal Audio Axe-Fx II
Strings and Picks
Ernie Ball strings (.013, .017, .020P, .032, .044, .056), Dunlop 1.0 mm picks, Mogami cables
James Iha's Gear
Late-'80s/early-'90s Gibson Les Paul Custom
Early-'80s "grayburst" Gibson Les Paul Custom
Amps and Cabinets
Matrix GT1000FX power amp
VHT 4x12 cab with 25-watt Celestion Greenbacks
Fractal Audio Axe-Fx II
Strings and Picks
Ernie Ball strings (.013, .017, .020P, .032, .044, .056), Dunlop 1.0 mm picks, Mogami cables
Billy, you also have another project—Ashes Divide—and James, you recently released another solo album, Look to the Sky. Are you guys totally invested in APC?
Howerdel: I'm totally invested in both. The way you have to approach things being a singer in a band, and the way you have to approach them as guitar player/songwriter, are very different. It's much easier with APC in a way. What it takes physically to be a singer is not to be underestimated. It takes every single calorie you have to burn to put on a performance if you're doing more intense music. When I'm singing with Ashes, I have nothing left. I'm completely spent.
Can you give us a rundown of your gear?
Iha: Oh god, I'm terrible at this shit.
Howerdel: I was the guitar tech on a Nine Inch Nails tour and one of the guitars that lasted the longest—a cinnaburst 1960 reissue Les Paul—is my main guitar now. It got broken all of the time—all the guitars did. They had headstocks off, necks off, just shattered. I fixed this one so many times, and then one day it got thrown into the crowd and somebody in the audience ripped the headstock off. It was sitting headless for a while. I had trunks and trunks of guitars, probably 50 or 60 of them that I traveled with and tried to fix to get ready for a show today, tomorrow, two weeks from now. A similar cinnaburst guitar got broken, and I kept that headstock and tried to marry the two. It got put back on, but at sort of the wrong angle—because, of course, the wood type didn't match. It's a little less angled than normal, but it's the best-sounding and best-playing guitar I've ever used. It was a happy accident. I talked with Gibson several years ago about doing a signature model with the same specs. Even if it's not for mass production, I just want some duplicates in case something ever happens to it.
Iha: My gear is similar to Billy's. I play Gibson Les Paul Customs. We changed out the pickups, but I don't remember the name of the pickups. I'm into gear, but at the same time, I'm not into gear. [Ed. note: According to APC's techs, both guitarists use Tom Anderson pickups.]
Did you update your rig for the album tours?
Iha: We started using new effects. We're both using Fractal Axe-FX IIs. We wanted to get some of the original sounds back, but also see if we could make things bigger, crazier, or more exaggerated than the original effects.
Howerdel: I turned on my rig with all the patches for APC, and it just didn't work. Even in 2004, my stuff was kind of old and not working correctly. So I just scrapped it all and started from scratch. I've got my Fractal, but I also kept an older box that's barely working: the Lexicon MPX G2. I still haven't heard anything that sounds quite as good, but it's just so unreliable.


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Online Community of Zenith Builders and Flyers
Brand new Bruce's Custom Cover. Never been out of the bag. It has my tail number on it. Brand new was $475. Will sell for $275 plus shipping. Thank you
Views: 278
Hi Steve I would like to buy your cover
Have sent private message
cheers Vic
Let me know where to send and how you want to pay for it
Hi Steve. Please accept my friend request in order that I can email you details
Thanx Vic
How much do you want for the whole wreckage?
Steve: Looked at Bruces web page for a better picture, of what it covers ,but was unable to find anything. Can you please tell me , how much is covered by your cover?
Peter S.
Steve: Was able to find a photo of your cover. If you still have it I would like to buy it.
Peter S.
Already sold.


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We all know, or should know by now, that Telltale Games have made quite a name for themselves in the adventure game department. They have made some of the best games of recent years, like their take on The Walking Dead games, and Back to the Future. With the final episode of The Wolf Among … Continue reading
Posted in July 2014 …
One Piece: Unlimited World Red For the PS3, Wii U, Vita, and 3DS Review
I have been on this huge "One Piece" kick recently. Since I am watching the show, I have been thinking about the video games that are based on the extremely popular and long-running (15 years and going!) anime series. Unfortunately, the games have ranged in quality from the games being at least solid to them … Continue reading
Shovel Knight for the Wii U, 3DS, and PC Review.
As far as games that were funded and released from Kickstarter, we have seen some pretty good games, like Broken Age, and some incredible flops, like Takedown Red Sabre and Star Command. However, one of the most anticipated games that was coming from Kickstarter was Yacht Club Games' Shovel Knight. For those who have not … Continue reading
Valiant Hearts: The Great War for the PS3, PS4, Xbox 360, PC, and Xbox One Review
Video games that are set in times of war are pretty typical. You usually don't have to do much besides fill an enemy with lead, and then do that to the next person. That's a bummer, since we get so few examples of war games that can be more than just shooting people. For example, … Continue reading


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Username: Will
Forum Name: Science & Technology
Forum Topic: Science and Technology
Why do you want to make this forum?: There are forums about food, travel, religions, sports; the entire ew.net forum is very diverse, but I think something is missing...
How can this forum benefit the entire emma-watson.net forum: You can't get enough knowledge, and science is a great source of it. You can learn interesting facts, and read some news from the science and technology world. I think we have enough users who might be interested in having a forum like this.
Well, I hope I'm doing this right... I need your signatures! If you're interested...
[i]Signatures:[/i] 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.


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621 Justus Drive
Kingston, ON K7M 4H5
Hawthorne Kitchens Designed For Living - Built For Life
Just as there are countless door styles available, the same holds true for finishes. When choosing doors, many clients find it advantageous to choose the finish first as this largely defines the durability of the door and sets the color tone for the kitchen. When choosing a finish there are a few key points to remember:


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Land plot location lottery in Battambang
On October 6, 2015 Habitat for Humanity Cambodia worked in collaboration with Battambang municipal government to organize the first land plot location lottery for 30 households living in informal settlements that are applying for secure tenure through the urban social land concession (SLC) program.
The draw was held as one of the steps in the SLC process that would ensure objectivity is maintained throughout the land distribution activity, which came about as part of a memorandum of understanding signed between HFH Cambodia and Battambang municipality. The memorandum enabled HFH Cambodia to manage 82 plots of land for use by families living in informal settlement communities in Battambang City.
During the draw, three commune representatives selected a numbered ping pong ball, which corresponded with the new area in which land concessions will be granted. Next, in a transparent and fair allocation process individual families selected a number to correspond with their new plot of land.
Clifford Chance, HFH Australia, and HFH Canada, through its Global Neighbors Program, currently support the program focused on the delivery of secure tenure through strengthening civil society-government engagement in land tenure and housing solutions.


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I am a sixth grader who loves art, animals, interior design, and soccer.
Guest Blogger: Isabelle, Montevideo Middle School
I am a sixth grader who loves art, animals, interior design, and soccer.
Whoosh! The wind glides through the willow tree in the book Wishing Day. Natasha's wishing day has come, and she is ready for her three wishes (an impossible wish, a wish you can make true yourself, and the deepest wish in your heart) but, she isn't sure about the wishes she made. This book takes a journey through the next weeks of her wishes, but is it a journey she wants to take? This book is packed full with humor, romance, and magic that 4th-7th graders will love! There is so much to love about this book, sisterhood, magic, and all of the above!
Mom. That is the one word that always sticks in your mind when you read the book The Forgetting Spell. Darya's mom has been missing for as long as Darya can remember. No one in her family knows what happened, or do they. Natasha made a wish that could have effected the whole family, and now that wish is coming true, and maybe the reward is different than before. This book is a great, adventurous, and humorous book for high level elementary school and middle school girls. If you loved Wishing Day, then this book will be amazing.
Leave a Reply.
Kimber Tate,
Thanks to Goodreads for the book cover images. Visit their site to join a global community of readers.
June 2018


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I am having difficulties getting two modules to show on the home page.
I am using Category Menu Pro as my main menu. In my Theme files I always include:
So it appears on all pages.
Code: Select all
Category Menu Pro Module is then set to Layout: default and Position: Column Left.
Next I want to add a slider/featured/best seller modules to the home page only.
I create a new 'Layout' called Slider and Set the 'Route' to 'common/home'.
Then in the Slideshow module settings I select 'Layout' Slider and 'Position' Top.
Now when I view my home page, the menu has disappeared but the Slider is there. The menu is still on all other pages?
Please lend a hand
Paid Job
I see there is a problem with how I have my theme set up. If you think you can help rectify it please send me a private message!


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Doctoral Students
2015 – in progress Amanda Burrell Academic Stage Fright, Toward a Theatrical Solution
2015 – in progress Joelle Breault-Hood The Impact of Outdoor Education on the Body Image and Self-Concept of Adolescent Females
2015 – in progress Abby Davis Social ecology of death: A study of Australian After Death Communications corroborated at time of death
2014 – in progress, Philip Jackson, Dialogue for Transformative Learning.
2013 – in progress, Amanda Lloyd, Place based pedagogies and outdoor learning in mainstream Primary Schools: a case study of children immersed in Country completing curriculum outcomes.
2010 – in progress, Melenie Ross, Train for War Adapt for Peace – A Case study of the implications of risk management on Static Line Parachute Training in the ADF.
2014, Terri-Anne Philpott, The impact of an experiential programme on the development of pedagogy skills in pre-service outdoor education teachers: A case study. http://researchdirect.uws.edu.au/islandora/object/uws%3A28280
2012, Sean Kearney, New Scheme Teacher Induction in New South Wales Independent Schools: Challenges and Opportunities.
2012, Heidi Smith, The Wisdom and Insights of Extraordinary Outdoor Leaders: An Australian Case Study.
2011, Stephen Jelley, The Effects of Outdoor Education and Physical Education Physical Activity Programmes on Male Adolescents.
2008, Val Nicholls, Busy Doing Nothing: Researching the phenomenon of Quiet Time in a Challenge-Based Wilderness Therapy Program.
2005, Eric Brymer, Extreme Dude: A phenomenological perspective on the extreme sport experience.
2004, Tracey Dickson, Facilitating Learning: Mine, Yours and Others: gaining insight into the facilitation of corporate experiential learning programs through the lenses of personal experience and the learning styles analysis
2004, Peter Bailey, Rekindling the Spirit of Adventure: A Case Study of the Bronze Duke of Edinburgh at Moss Vale High School.
2003, Ian Boyle, The impact of adventure-based training on team cohesion and psychological skills development in elite sporting teams
Masters Research Students
2015, Christine Biela, Implementation of Conservation Education Programs at the Taronga Zoo
Honours Students
2011, Zoe Pryor, How do young women negotiate meanings of health through dance? First Class Honours
2010, Kellie Dowdell, Nature, children and outdoor play: the comparison of a natural outdoor and an artificial outdoor play environment. First Class Honours
2009, Yolande Jury, Engaging the disengaged The Impact of Outdoor Education in the school curriculum. Second Class Honours
2008, Erin Thompson, Exploring The Relationship Between Sensation Seeking And Self Reported Driving Behaviour In Young Novice Driver Subgroups. First Class Honours
2008, Gemma Simms, An investigation into the impact of self-developed advertising campaigns on young driver behaviour change. First Class Honours
2003, Zali Yager, Eating Disorders in High School students. First Class Honours
1998, Daniel Inness, Motivating High Schools Students in Physical Education Classes.
1995, Colin Hocking, Extended Stay Outdoor Education: The Glengarry Case Study
1994, Melanie Dempster, Corporate Programs and Adventure Education


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- Templates
- Business
- Professions
- General
- File Formats
When it comes to obtaining an essential document that is designed for several business proceedings and relevant transactions, an order form is the best option. It is generally suffused by clients or customers at the time of buying or ordering goods or services. Order forms also indicate precisely the number of times products are ordered, the time the order happened, etc.
Surely there are a lot of available templates that people can make use of online; however, there are those who choose to make their own form, probably because they want a more personalized touch to it. Still, if you want something that can help you in your order form making, our list of order templates in Word are what you need. Check out some of our samples, you might find one that suits your needs.
If you're searching for more options, we have work order templates that you can also use for your work order making.
There are various order form templates available on this page. And all of these are pre-made and with the proper format, ideal for your order form making. So what are you waiting for? Check these samples.
We also offer wedding order template samples for those looking for wedding order forms.
Since we are talking about order forms, take note that there are numerous types, and one of them is a sales order. It is a type of order form that is being issued by a business or sole trader toward a customer. It can be for products or services and is given for a variety of businesses, therefore orders can be completed in a lot of ways. A sales order can be provided via the following:
These are the different types of sales order that are being used on a regular basis.
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Another type of order form that is commonly used in warehouses is a transfer order. It is an instruction in moving items or materials from a source storage to a station storage in a warehouse at a certain time.
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Apart from a transfer order, another order template that is being offered on our page is insertion order templates. This type of order form is essential in representing a commitment from an advertiser in running a campaign. So when it comes to your order template needs, we've got you covered. With this wide selection that we have, for sure it'll help you big time!


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Durty Nelly's is one of Ireland's most famous landmarks, and is now one of Ireland's best-loved restaurants for its hospitality, food, and what the Irish like to call "craic agus ceol". It is located in the picturesque village of Bunratty, County Clare, sitting in the shadows of the famous 15th century Bunratty Castle. We had the pleasure of visiting this wonderful landmark and would love to share our experiences with you.
Our restaurant may not sit in the shadows of a 15th century castle, but we are blessed to be located on the corner of Argyle and Sackville Street in beautiful downtown Halifax surrounded by some of Nova Scotia's most famous landmarks. Sit back, soak up the atmosphere, and enjoy some genuine Irish charm!


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Outside The Box Travel presents the first ever:
Cooking Outside The Box
Today's exciting treat is… Volcano-Roasted Marshmallows!
What you'll need:
– 1 bag of marshmallows
– 1 small branch
– 1 active volcano
– Open bag, remove desired quantity of marshmallows.
– Stick marshmallows onto the ends of your branch.
– Insert branch into accessible crevice in volcano.
– Wait approximately 20 seconds, and presto! You've got yourself some delicious roasted marshmallows to share with your friends. They just taste better when they're volcano-roasted, don't they?
The first time I ever tried volcano-roasted marshmallows was when I visited Antigua, the picturesque, colonial gem of Guatemala. Antigua itself is full of surprises. During our short time there, we stumbled upon peaceful, organic vegetarian restaurants, great cocktail bars with views of the city and the surrounding volcanoes, colourful markets, and of course, the inimitable chicken bus. Gorgeous colonial architecture and cobblestone streets aside, the most striking feature of Antigua is that it's ringed by some seriously impressive volcanoes.
Although beautiful and very atmospheric, these volcanoes can occasionally cause problems, like last September when the Volcán del Fuego (Volcano of Fire) erupted, sending plumes of ash high into the sky over Antigua, to the terror of locals and the delight of tourists. Antigua is surrounded by three major volcanoes: the Volcán del Fuego, the Volcán del Agua (you guessed it), and the Acatenango Volcano. In addition to these, there are several other active and dormant volcanoes scattered around the region. Alas, the easiest way to visit these volcanoes is to hire a tour.
And so, one cool, crisp July morning in Antigua, we embarked a van with fellow tourists and were whisked away to the Pacaya volcano, a very active volcano between Antigua and Guatemala City. The last time that Pacaya erupted was in 2010, raining down ash and general chaos onto the surrounding Guatemalan towns. It's recently starting erupting again this past January – so it's a great time to visit, if you're into that kind of thing. We started winding up the volcano in our van before eventually parking and continuing on foot. After walking for a while, enjoying the surrounding wilderness and the expansive mountain views, suddenly the terrain went from arboreous to extraterrestrial. Extending up before us, as far as the eye could see, was grey, barren rock, completely devoid of any flora or fauna. This otherworldly scene was accentuated by the perpetual mist drifting among the volcanic rocks.
After walking along a path of gray rock, we eventually got to a small makeshift hut, the sign of which claimed the highest elevation of all of Guatemala's shops. The friendly Guatemalan man within had on display some jewelry and other trinkets fashioned from the volcanic rock around us. I'm not usually huge on souvenirs, but I had to say that those would have made pretty good mementos. Beyond the hut, the mist grew thicker, rising from the cracks in the ground, and the grey rocks turned black, jutting out of the ground in twisted formations. We continued along this surreal terrain, which felt like walking on another planet. Eventually, our guides paused and revealed the marshmallow bags, and treated us to today's aforementioned culinary feature using crevices in the volcanic rock, which emanated an intense heat. The volcano-roasted marshmallows were a perfect treat to reward our climb, which we enjoyed caught between gazing up at the volcanic rock rising before us to the top of the volcano and the majestic views of the landscape our elevation afforded us.
The most fascinating aspect of climbing a volcano is the quiet, unstated power which fills the air as one climbs the cooled volcanic rock, which perhaps only a short time ago was molten lava, flowing down and destroying everything in its path. Hisses of steam and the occasional wave of heat remind us that although dormant, volcanoes can erupt at any time, reminding us of our ultimate powerlessness before nature, no matter how hard we may try to control it. The volcanoes surrounding Antigua are an excellent place for one's first volcanic experience, and, you'll see: marshmallows really do taste better when they've been roasted by a volcano.
WHERE: Your nearest local volcano, but the Pacaya Volcano outside of Antigua, Guatemala, is a great place for your first experience. Guided tours are convenient, affordable, and can be arranged easily at any of the travel agencies or tourist outposts in town.
WHEN: Year-round. If you're lucky you might see some serious volcanic activity, as many of the volcanoes in the region remain quite active. If you're unlucky, you might see some really, really serious volcanic activity and die. Good luck!!!
HOT TIP: Bring a sweater.


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Jun 07, 2012 6:20 PM GMT
We Ask AmericaWhen it became clear Tuesday evening that Wisconsin Gov. Scott Walker would survive the recall process against challenger Tom Barrett, cable network talking head turned to the key question for many politically minded Americans: what will Wisconsin's affirmation of Walker mean to the presidential race this fall? Some pundits immediately turned to exit poll results from that day showing that President Obama had nine-point lead over challenger Mitt Romney. But those exit polls were lousy...
So, once again, we ventured into the Dairy State to ask the vibrant and unpredictable electorate this question: If the election for President were held today, for whom would you vote?
Here's what they said:
Obama: 48%
Romney: 43%


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August 2, 2010 at 7:22 am
Okay I hear ya. I agree the traffic sucks!!! I spend too much time in traffic 'cause the folks in this area are too money hungry to do anything about it. If folks weren't so eager to give developers money to build subdivisions the traffic wouldn't be so bad but that's for another time.
Now on to my horrible daily commute that drives me crazy just about every day. BW Parkway is a horrible mess every morning and evening. It's worse in the fall and winterj'cause you're sitting in the dark with nothing going on around you but a sea of lights, talk about depressing. Why do I have to spend an hour coming down the parkway every morning and another hour every evening. More lanes would help me out. I-95 only works if you live on that side of town. Keep this going 'cause eventually we'll bother someone enough to do something about this mess.
Home > b-more, Baltimore Washington Parkway, Beltway, Capitol Beltway, congestion, gridlock, I-495, I-95, traffic, Uncategorized > Leveraging the Power of Connectivity


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In most Windows Phone XAML apps, buttons are
the most commonly used element for receiving user input. Ordinarily, a
button initiates an action when a user taps it. Unlike Silverlight for
the browser, the minimum size of the Button
has been increased, making it more amenable to touch. The shape is
usually rectangular, and the standard layout allows for either text or
an image to be displayed as content. Buttons
support three visibility states: rest (the default state), pressed, and
disabled. Unlike Silverlight for the browser, however, there is no
visible focus state.
The inherited FrameworkElement.HorizonalAlignment and VerticalAlignment properties both default to Stretch. The Button's Horizontal and Vertical size, therefore, depends on its parent's size; the bigger the parent ContentControl the bigger the button. By placing a Button in a Grid, the Button is free to expand to inhabit the entirety of the space provided by the Grid (see Figure 1).
FIGURE 1 By default a Button will expand to inhabit its parent.
If the parent ContentControl happens to be a StackPanel, the button will not expand farther than the space allowed. By default, the StackPanel arranges its child controls vertically. The StackPanel inhabits the entire width of its parent control, but only uses as much vertical space as it needs (see Figure 2).
FIGURE 2 Button conforms to the vertical size constraints afforded by the StackPanel.
To constrain the button size to the size of its content, set its HorizontalAlignment and VerticalAlignment properties to something other than Stretch. An effective way to do this is by using a style, as shown in the following example:
<Style x:Key="ButtonStyle" TargetType="ButtonBase"> <Setter Property="HorizontalAlignment" Value="Left" /> <Setter Property="VerticalAlignment" Value="Top" /></Style>
The style can then be applied like so:
<Button Content="Press me!" Style="{StaticResource ButtonStyle}" />


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Arcangues, 275 sq.m house built in 1999 and renovated in 2007, on a 10.384 sq.m land. Large reception rooms, 4 bedrooms. Independant apartment. Heated pool. Carpark. Peacefull area.
To the fullest extent permissible pursuant to applicable law, this web site and the materials are provided on an "as is" and "as available" basis. LuxuryRealEstate.com expressly disclaims all warranties of any kind, whether expressed, implied, or statutory including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that this web site or the materials are completely error free, will operate without interruption, are compatible with all equipment and software configurations, free of viruses, errors, or other harmful components, or will otherwise meet your needs.


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SIPA is proud to partner with several organizations that provide fellowship funding to admitted students. One such partner is the Mohammed Bin Rashid Al Maktoum Foundation (MBRF).
Information concerning the MBRF can be found by visiting their web site. In sum, the fellowship is available to admitted students who are citizens of Arab League States. MBRF will pay all of the educational expenses of those who are both admitted to SIPA and approved by the foundation. The admission process to SIPA and for foundation funding is separate so please complete your SIPA admission application on-time and visit the MBRF web site to find out how to apply for the funding.