text:
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Credit Filters Still Important with Fannie, Freddie and FHA Leads
02nd December 2011
Just ask lenders buying mortgage leads what the most important filters are in 2012. They will tell you credit and loan to value are the key filters when purchasing mortgage leads. Lending professionals continue to regard credit scores highly because for most loan programs today it is a make it or break it factor. We noticed that credit was most important to lenders buying conventional mortgage and purchase leads. For lenders buying FHA leads, credit was important but they seem to be more flexible when it came to credit filters. Borrowers are still looking to mortgage lenders for bad credit.
Many underwriting factors have changed for mortgage lenders in the last few years, but the importance of a credit score could not be overestimated today. Since аll studies appear tо shоw thаt thе credit score systems accurately predict whеthеr а borrower shоuld bе approved fоr а mortgage loan, bоth Fannie Mae аnd Freddie Mac (thе twо institutions thаt purchase mоst mortgage loans nationwide) hаvе аdорtеd credit scoring guidelines fоr government mortgage lenders whо sell loans tо thеsе agencies. Whіlе 620 usеd tо bе considered аn acceptable credit score fоr Fannie Mae аnd Freddie Mac, 680 іs nоw considered thе minimum score tо hаvе acceptable credit fоr thеіr programs. Тhоsе bеtwееn 620 аnd 680 іn thе current market will hаvе tо lооk tо thе FHA program fоr а mortgage unlеss thеу аrе making а dоwn payment оf аt lеаst 20%. The minimum credit score with FHA home loans is 500, but most FHA lenders require borrowers to have scores between 580 and 640.
In the past, Fannie Mae аnd Freddie Mac offered home mortgage loans tо borrowers wіth credit scores bеlоw 620 but mоst оf thоsе programs аrе gone. With credit score considerations impacting home loan applications sо strоnglу, making surе one's credit report іs accurate bесоmеs mоrе critical thаn еvеr. Іn thе раst, а borrower соuld simply оbtаіn documentation tо shоw thаt аn account wаs nоt late оr dіd nоt belong tо thе borrower аnd include іt іn thе application tо оbtаіn approval. Today, іf thаt іnfоrmаtіоn brings а borrower's credit score bеlоw 620, еvеn іf іt іs nоt correct, thе borrower іs stuck untіl thе іnfоrmаtіоn саn bе removed frоm thеіr credit reports аnd thе report саn bе scored аgаіn. Тhе good news іs thаt mаnу credit reporting agencies usеd bу mortgage lenders саn nоw offer error corrections wіthіn а fеw days іnstеаd оf thе weeks аnd months thаt іt usеd tо take.
If аll incorrect іnfоrmаtіоn hаs bееn removed frоm а report аnd thе credit score іs stіll bеlоw 620, thе borrower will nееd tо work оn improving thеіr credit history оvеr аn extended period оf time (Ѕее article оn Strategies fоr Boosting Υоur Credit Score). Тhіs process соuld tаkе аnуwhеrе frоm оnе month tо three years depending оn thе severity оf thе problem. Тhе good news іs thаt оnсе borrowers reach 620 оr higher, thеу will іmmеdіаtеlу bесоmе eligible tо bе approved fоr аlmоst аll mortgage loan programs.
Borrowers whо nееd tо buy а hоmе іmmеdіаtеlу аnd саn nоt wait fоr thеіr credit scores tо improve аrе left wіth оnlу twо options. Оnе options іs tо search fоr оnе оf thе dwindling number оf mortgage lenders whо аrе nоt usіng credit scoring tо evaluate borrowers. Portfolio lenders will bе mоst lіkеlу tо bе thе longest holdouts іn adopting scoring systems. Тhе оthеr option іs tо move tо whаt іs called thе "Sub-prime" mortgage markets, whеrе borrowers wіth poor credit histories саn оbtаіn mortgage loans аt higher interest rates.
Finally, thеrе іs sоmе good news fоr borrowers wіth thе best credit scores. Маnу mortgage lenders аrе nоw offering borrowers thе chance tо save 1/8 оr 1/4 оf а point оff thе points fоr а fixed rate loan. Fоr а $200,000 loan, thіs savings саn translate іntо $250 tо $500 аt closing. Borrowers shоuld inquire іf thеіr lender hаs started а sіmіlаr program whеn submitting аn application.
Comments Off on Credit Filters Still Important with Fannie, Freddie and FHA Leads


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Frequently Asked Questions
Q: How do I, as a healthcare provider, make a referral to Lavanda Home Health Care Agency, Inc.?
A: All referrals should be directed to our Intake Department; we are open Monday through Friday, 8:30 AM to 5:00 PM at (818) 840-0003 or feel free to fax your referral to (818) 840-0069. If you have a referral on a weekend, holiday, or after 5:00 PM on a weekday please call our on-call staff at the same number, (818) 840-0003. When referring a patient, please have the patient's history, physical (if being discharged from a hospital or facility), insurance, and contact information available.
Q: Who pays for Home Health Care?
A: Most commonly, Medicare will pay for home care. However, there is certain criteria which must be met. Alternatively, Self-Pay or Private Pay is accepted, where you pay out of pocket all expenses associated with the care of yourself or your loved one. Often, third party administrators or private insurance will cover the costs associated with home care. Remember, home health criteria will vary with payors and eligibility must first be met and cleared before Lavanda's home health services can be initiated.
Q: How do I choose a home care provider?
A: Finding the best home care provider to meet patient's individual needs deserves a little research, but it is time well spent. The quality of care and competency of personnel are areas of primary concern. Here are some questions to consider when deciding which home care provider would be best:
What services does the agency offer?
How long has the agency been serving the community?
Does your physician know the reputation of the provider?
Is the provider certified by the Department of Health?
What credentials does the provider maintain?
Does the provider employ insured, bonded and licensed skilled Nurses and ensure that it's workers are functioning under written personnel policies and clinical protocols?
Is the agency a member of a state and/or national home care organization? Remember, accreditation is an indication that the agency is held to a higher standard in the home health care industry.
Q: As a healthcare provider, why should I choose you?
A: Choosing a home health care agency for your patient is a critical decision and we at Lavanda Home Health Care Agency, Inc. recognize that you have the right to choose any qualified home health agency to perform the services needed. Thus, let that decision be an informed one. We take pride in our ability to:
Offer extensive coverage from Los Angeles, Ventura, Santa Clarita, San Fernando and Orange County.
Have a Physician Consultant and Registered Nurse available 24 hours a day, seven days a week for any home health care needs.
Each member of our staff participates in ongoing training throughout the year and is up to date with the latest protocols and technologies.

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Drug information provided by: IBM Micromedex
It is important that you visit your doctor as directed for treatments and to have your progress checked.
This medicine increases the sensitivity of the treated areas of your skin to sunlight. Therefore, exposure to the sun, even through window glass or on a cloudy day, could cause a serious burn. After each light treatment, thoroughly wash the treated areas of your skin. Also, if you must go out during daylight hours, cover the treated areas of your skin for at least 12 to 48 hours following treatment by wearing protective clothing or a sun block product that has a skin protection factor (SPF) of at least 15. Some patients may require a product with a higher SPF number, especially if they have a fair complexion. If you have any questions about this, check with your health care professional.
The treated areas of your skin may continue to be sensitive to sunlight for some time after treatment with this medicine. Use extra caution for at least 72 hours following each treatment if you plan to spend any time in the sun. In addition, do not sunbathe anytime during your course of treatment with methoxsalen.
This medicine may cause your skin to become dry or itchy. However, check with your doctor before applying anything to your skin to treat this problem.
Portions of this document last updated: Aug. 01, 2020
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text: If you're in New York city, in a rush and in-need of a fast, healthy snack, stop by the French Market Cafe, Pomme Palais in The New York Palace and grab a freshly baked Zumanna Bar. Uniquely crafted in Pomme Palais style, the mini loaves are packed with fresh fruit, nuts, dark chocolate and our Zumanna™ mix, a proprietary blend of gluten free ingredients designed to deliver protein, fiber, omega 3's and low sugar. Grab-and-go or savor with a cup coffee in the beautiful Pomme Palais cafe.


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MZX GLOBAL provides solutions for domestic and commercial CCTV surveillance requirements. Our product profolio consists of IP cameras, DVRs and NVRs, PTZ Cameras, Analog HD recorders, microphones and accessories needed to complete installation.
We source our product only from very carefully selected and verified manufacturers and authorised distributors. We only select product that are ROSH and CE certified with proven durability and reliability. Our qualified technicians preform quality control checks and product assessments before we receive stock to our warehouse.
Our customers are wholesalers, shops, installers and individuals. Our customers have the possibility to negotiate prices of products depending on the size of orders made. If you are interested in larger order, please contact us and our specialists will discuss the sale with you additional discounts.
When shopping in our store you can rely on remote support when installing your monitoring system. Every day from Monday to Friday between the hours of 9:00 and 17:30, our team is at your disposal by phone 857 335 299 or e-mail address email@example.com. In difficult cases, we can connect remotely to your computer and help you configure network settings and customisation to individual needs. Many years of experience If you have any doubt about the choice of appropriate solutions and do not hesitate to contact us. Take advantage of our years of experience we have gained in offering products for monitoring in the UK market.
85 733 52 99


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Canadian Military History Gateway
Date > 1600 > 1640-1649 > 1647
Subject > Strategy and Tactics
When the Château Saint-Louis in Quebec was built, this Cross of Malta was carved in a stone bearing the date 1647. Charles Huault de Montmagny was governor at that time. He was knight of the Order of Malta as was at least one other of his officers in Canada. The stone was found in 1784 during renovations to the governor's residence and eventually incorporated into a courtyard entrance of the Château Frontenac Hotel.
National Defence
The Saint-Louis forts and châteaux site is complex. It consists of three elements: the forts, châteaux and gardens. There were a total of four forts and two Châteaux
Parks Canada
Join a French soldier, Vadeboncoeur, and explore the history of Quebec's defense and fortifications. This journey into the past will have your students "defending Québec" during three different periods: 1645, 1690 and 1745.
This historic site celebrates the rich communications and military history of Signal Hill and sits amidst a spectacular view of St. John's and the sea.
The Iroquois, well equipped and well trained in the use of firearms, constantly attack newly-built Fort Richelieu. The French are forced to abandon this strategically vital fort.


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Jose Mourinho insisted Paul Pogba is delighted to be back at Manchester United following France's World Cup victory, despite reports linking the midfielder with a move to Barcelona and Juventus.
Pogba played a crucial role for Didier Deschamps' triumphant side in Russia, and the 25-year-old star returned to United training on Monday ahead of Friday's opening Premier League fixture of the season against Leicester City.
READ: Everton sign Mina, Gomes and Bernard on deadline day
La Liga champions Barca are reportedly interested in taking Pogba to Camp Nou, with the transfer window still open until August 31 for most of Europe's major leagues, while former club Juve have also been linked.
However, manager Mourinho affirmed that United have no intention of selling Pogba, who they paid Juve a reported £90million for in 2016, adding that the Frenchman may not feature against Leicester at Old Trafford.
'My perception, he arrived Monday, happy, proud, a desire to work,' Mourinho told a press conference.
'He worked amazingly well Monday, Tuesday, Wednesday. He's one of the players that I have to speak to, to see how physically and mentally he feels.
ALSO READ: Chelsea secure loan signing of Real Madrid's Kovacic
'But it's the same conversation as with [Ashley] Young, [Marouane] Fellaini, [Jesse] Lingard, it's the same.
'If they feel they can help us [against Leicester] – 20 minutes, 10 minutes, half an hour. We don't have many solutions and want to go with everything we have.
'I see [Pogba] very well but we need words with that small group to see if they can give us a hand. We have to try and get the best out of every player.'
ALSO READ: Real Madrid agree Courtois deal
Mourinho was left frustrated in his attempts to bolster United's squad ahead of the season, as the club failed to bring in a central defender, with a late bid for Atletico Madrid's Diego Godin proving fruitless.
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SHAW, Sir John (c.1615-80), of Broad Street, London and Eltham Lodge, Kent.
Available from Boydell and Brewer
Family and Education
b. c.1615, 2nd s. of Robert Shaw (d.1678), vintner, of Southwark, Surr. and Leadenhall Street, London by Elizabeth, da. of John Domelawe, Vintner, of London. m. (1) by 1654, Sarah, da. of John Ashe, clothier, of Freshford, Som., 1s. 1da.; (2) 24 June 1663, Bridget, da. and coh. of Sir William Drury of Besthorpe, Norf. wid. of Charles, 4th Visct. Kilmorey [I], 2s. 1da. Kntd. 28 July 1660; cr. Bt. 15 Apr. 1665.1
Offices Held
Gent. of the privy chamber June 1660-d.; commr. of customs Sept. 1660-2, farmer 1662-71; commr. of trade Nov. 1660-8, plantations Dec. 1660-70, jt. paymaster of Dunkirk garrison Dec. 1660-2; surveyor of shipping 1661-d.; asst. R. Adventurers into Africa by 1664-71; surveyor of woods and forests c.1667.2
Lt.-col. of white regt. militia ft., London Oct. 1660-?65; commr. for assessment, London 1661-3, Kent 1663-4, 1667-d., London and Surr. 1664-9, loyal and indigent officers, London and Westminster 1662; dep. lt. London 1662-?65; j.p. Kent 1665-d.; collector of customs, London 1669-d.; commr. for recusants, Kent 1675.3
Shaw's father, a prosperous merchant of Cheshire origin, entered his pedigree at the herald's visitation of Surrey in 1623 and bought the office of wine licences for £18,000. Shaw himself settled in Antwerp as a merchant with his brother George, and advanced £1,810 to the King's agents for the purchase of arms during the Civil War. With his first wife's uncle, Sir Joseph Ashe, he operated the principal channel of communication between the English Royalists and the exiled Court. Clarendon wrote that at one time without Shaw the King could have not got bread. At the Restoration he became, together with Sir George Carteret, Clarendon's closest confidant in business matters. He was given a number of important financial posts, and together with the rising banker, Edward Backwell, assumed responsibility for the pay of the Dunkirk garrison.4
Shaw succeeded Clarendon's son, Henry Hyde, at Lyme Regis at the general election of 1661. He probably stood on the interest of Thomas Moore, who had many connexions with the Ashe family. He was an inactive Member of the Cavalier Parliament, in which he may have sat on about 35 committees. In the first session he was named to the committees to inspect the revenue and to consider the uniformity bill. Perhaps it was surprising that he found any time to attend the House, in view of the number of his offices, which caused William Coventry to describe him sarcastically as 'a miracle of a man'. When farming of the customs was resumed in 1662, they were leased for £390,000 p.a. to Shaw, Sir Nicholas Crisp, Sir John Harrison and three other 'very grave, fine gentlemen'. He made use of his parliamentary privilege in the following year when the incorrigible George Coney, whom he had known and distrusted in the Netherlands, renewed his challenge to the legality of the customs. Although he can no longer be distinguished in the Journals from John Shaw, he was probably appointed in the same session to the committee to hear a petition from the loyal and indigent officers. After his second marriage to the widow of a peer he was created a baronet, and acquired for £3,700 a crown lease of Eltham, where the court architect Hugh May built him a house in the Dutch style, 'an outstanding example of early Restoration domestic design'. A court dependent in 1664, he was among those instructed to bring in a bill to facilitate the export of native commodities (24 Sept. 1666).5
Shaw retained an interest in the customs when the farm was renewed in 1667, though Backwell became the leading figure in the syndicate. The fall of Clarendon a few months later left him dangerously exposed. The charge of corrupt practices in the lease of the farm brought him to his feet in the House for the only time, so far as is known. He was appointed to the committees to report on the effect of customs duties on the balance of trade, to renew the Navigation Acts, to consider a bill to naturalize prize ships, and to recommend increases in import duties. Meanwhile the Treasury alleged 'fraudulent practices' in the accounts of the first customs farm, of which he was the last surviving partner, and remarked of the Dunkirk account which he presented with Backwell in 1668 that it appeared 'wholly irregular'. Even Shaw's humble neighbour, the clerk of the Woolwich ropeyard, was able, with the support of Samuel Pepys, to defy the great man over a parcel of 100 tons of Flemish hemp, which Shaw wished to unload on the navy at £44 a ton. Every bundle had to be opened by this dutiful official 'knowing what cheats are usually packed up in the midst of it', and of the first 34 tons, 16 were cast out as refuse. In vain might Shaw write to the clerk to beware, lest it go to the King; he was neither to be terrified by menaces nor tempted by allurements, though he did complain of 'more trouble and vexation over this pitiful parcel of stuff than I have known amongst £200,000 worth from others'. It is impossible not to conclude that Shaw was lucky to escape the humiliations that befell Carteret at the hands of the House of Commons. The worst that happened to him in public was an anonymous description as 'a vintner's boy, got out of the Crown out of the customs and by other ways £60,000'. In 1669 he was granted the post of collector of customs in the port of London, and on 4 Nov. 1670 he produced in the House a list of commodities suitable to bear increased duties. Though affected by the Stop of the Exchequer, where he had over £9,000 on deposit, he remained a court dependent. He was included on the Paston list of 1673-4 and on the working lists. In 1675 he served on committees for two bills promoted on behalf of his step-children. Though Sir Richard Wiseman complained that he was 'apt to make the gout his excuse' for non-attendance, there was no doubt of his allegiance. He was marked 'doubly vile' by Shaftesbury, and his name figures on both lists of the court party in 1678. But on 16 Dec. he was sent for as a defaulter, and as one of the 'unanimous club' is unlikely to have stood again. He died on 1 Mar. 1680, aged 64, and was buried at Eltham. His will shows that he was in easy circumstances, able to leave City property to his second son, £2,400 (including stock in the Royal Africa Company) to his youngest son, and a portion of £3,000 to his daughter. His descendants merged into the Kentish gentry, but did not enter Parliament.6
Ref Volumes: 1660-1690
Author: John. P. Ferris
- 1. Works of Sir Thomas Browne ed. Wilkin, 271; Vis. Surr. (Harl. Soc. xliii), 136; Som. Wills, iii. 46; CSP Dom. 1654, p. 441; 1670, p. 712; PCC 41 Bath.
- 2. Carlisle, Privy Chamber, 172; Cal. Treas. Bks. i. 226; 431; vi. 708; CSP Dom. 1661-2, pp. 48, 69; 1668-9, p. 196; Pepys Diary, 23 Aug. 1667.
- 3. Parl. Intell. 1 Nov. 1660; CSP Dom. 1668-9, p. 353.
- 4. Cal. Cl. SP, iv. 242, 251-2, 575; Pepys Diary, 23 July 1664; Thurloe, viii. 222.
- 5. Pepys Diary, 5 Sept. 1662, 23 Aug. 1667; CJ, viii. 493; Cal. Cl. SP, iv. 291, 590; R. R. C. Gregory, Story of Royal Eltham, 49; Pevsner, Buildings of England, vi. 459.
- 6. C.D. Chandaman Eng. Pub. Revenue, 24; Milward, 123; Cal. Treas. Bks. ii. 266; CSP Dom. 1667-8, pp. 267, 451; CJ, ix. 160; Bulstrode Pprs. 157; PCC 41 Bath.


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Chalet Elise
Chalet Elise has a very well designed layout, modern infrastructure, and a great mix of rooms which makes it spacious, warm and extremely comfortable for up to ten people. The heart of the house is the big open plan sitting room, dining area and kitchen with patio doors, balcony and picture window overlooking the valley. There is a stone fireplace with wood burner and plenty of free logs, three big comfy sofas, a coffee table full of board games, TV, DVD, CD and WiFi. All five bedrooms have good quality beds with white linen and practical storage. The four bathrooms all have a high spec — Chalet Elise has two maxi-sized hot water tanks and a pressurized water system to make sure everyone can enjoy a hot soak at the same time! The property is accesed on the ground floor though the spacious storage/boot room, in which there is a table tennis set. Also on this floor is a laundry room with washing machine and clothes dryer and the first double bedroom, with an ensuite bathroom. On the first floor is another double bedroom, with ensuite bathroom, and also the large living/dining and kitchen area and sliding doors to a balcony and garden. There is also a shower and WC on this level. On the top floor there are three twin bedrooms sharing a bathroom.
Property Information
- Panoramic view
- Wifi
- Parking
- Open Fire
- Wood Burner
- Stand alone property
- Fully self contained
- Full kitchen facilities
- Dishwasher
- Microwave
- Fully Equipped Kitchen
- Electric Coffee Machine
- Open Fireplace
- Underfloor heating
- Bath
- Hairdryers in bathrooms
- Heated bathroom floors
- DVD/Video
- French TV channels
- British TV channels
- Flat screen television
- Free Wireless Internet
- Full laundry
- Washing Machine
- Clothes Dryer
- Ski room
- Ski Racks
- Drying room
- Drying Cupboard
- Outside deck area
- Deck With Views
- Deck with outlook
- Garden
- External Parking, plenty of spaces
Bedding Configuration
- Singles : 4
- Doubles : 4
- Double Beds: 4
- Queen Beds: 0
- King Beds: 0
- Single Beds: 5
- Sofa Beds: 0
- Fold Away Beds: 0
Availability for Chalet Elise
Use the calendar below to search dates to obtain pricing. Please note that during the winter periods arrival days are Fridays and Sundays.
Chalet Elise Guest Reviews
The survey results below and statistical information to the right represent information that has been provided by guests who have stayed over the past 3 years. Every guest at the completion of their stay is asked to complete this survey.
Location Map of Chalet Elise
Photos of Chalet Elise
The Floor Plan of Chalet Elise
Get price quote
Parking Space3


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Stay at Bankside House TopFloor! London and you'll be literally steps from the Tate Modern as well as being able to walk to St Paul's Cathedral and the London Eye.
London Bankside House TopFloor! could not be in a better place to visit the many attractions on the South Bank of the River Thames. The Tate Modern is right in front of London Bankside House TopFloor! and you'll be able to walk to other attractions such as St Paul's Cathedral, Southwark Cathedral and the London Eye. Back at the accommodation you will find a TV lounge, games room and a bar to mix with fellow guests and you'll also be able to use internet terminals to keep up with your emails.
Bankside House TopFloor is located in Bankside, Central London Regional Map, Local MapSeveral universities such as London South Bank University, King's College London and London School of Economics are within walking distance of London Bankside House TopFloor! You will also be able to get to a number of language schools, including EF International School of English.
Located in Zone 1, Southwark is the nearest underground station to Bankside House TopFloor! London. Take the Jubilee Line and head to Baker Street (approximately 10 minutes away); from here you can visit the Sherlock Holmes Museum and Madame Tussaud's.
London Bankside House TopFloor! is a short walk from many of the capital's most popular sites including St Paul's Cathedral and the London Eye. You can enjoy a play at Shakespeare's Globe Theatre, spend an afternoon sampling wine at Vinopolis or just pop next door to have a look at the exhibitions on display at the Tate Modern.
Desk & Lamp
Fax Machine
Tea & Coffee
Elevator/Lift Access
Ground Floor Access
Central Heating
Coffee/Tea Maker
Interior Room Entrance
Games Room
Television Lounge
Tourist Information
Wake Up Service
Internet Terminal
Fire Escape
Shared Kitchen
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text:
A food and restaurant blog that is part of a weekly magazine in New York City has come out with a list of 101 great big-city barbecue spots in the United States, and a handful of Boston-area restaurants are on the list.
According to the article from Grub Street, three spots in Boston and two others in Cambridge are worth checking out for their BBQ, including Silk Road BBQ in downtown Boston, M & M Ribs in Roxbury, Pit Stop Barbeque in Mattapan, Coast Cafe in Cambridgeport, and East Coast Grill and Raw Bar in Cambridge's Inman Square. Grub Street made their picks based on the opinions of chefs, food writers, and journalists in various cities across the country, including in Boston, New York, Philadelphia, Chicago, Los Angeles, and San Francisco.
One other New England restaurant that made the list is The SoPo in South Portland, ME.
For more details on Grub Street's above picks--as well as its picks in other cities across the country--please go to the link below.
Big-City Barbecue: 101 Places to Satisfy Your Urban 'Cue Craving


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Happy Easter to all!
I got roughly two hours sleep, plus another 45 minutes if you add all the five minutes intervals my youngest daughter let me close my eyes before asking, "Can we get up yet?"
Yeah. Not much.
But it is a nice relaxing day, the turkey dinner leftovers are in the fridge, my dogs have eaten some and have tons left for their supper, dishwasher is running,........
Now its relaxing! And I have the urge to write.
what will I work on?
My Survival Zone? I think not. Not with all the kids home. I get too involved.
So then.............
My fairy series? Yeah, maybe. I could do that. It would be fun.
I could also finish the third book in the Blurs series. Yeah. I think I will.
Or I have another idea for a couple of kids books.
No. Doesn't feel right yet.
So the Blurs series it is.
If I could only come up with a name.
Any ideas what the book will be about?
Well I'd better get to work before the kids need me.
Happy Easter!


text:
What Can I Give Him?
Contributed By Carol F. McConkie, Young Women general presidency
Article Highlights
- The best gift we can give Christ this Christmas is our heart.
- It is a total commitment to love and serve the Lord.
"We cannot truly love God if we do not love our fellow travelers on this mortal journey." —President Thomas S. Monson
Related Links
At this sacred Christmas season we remember the love of God for each one of us in the gift of His beloved Son, the Savior of the world. We share His gift as we love God and serve one another.
Every year, as I set out our Nativity scene and gently put each figure in place, the familiar lines from Christina Rossetti's poem "In the Bleak Midwinter" come to mind.
"What can I give Him, poor as I am?
If I were a shepherd, I would bring a lamb;
If I were a Wise Man, I would do my part;
Yet what I can, I give Him—give my heart."
Perhaps the only gift any of us truly have to give our Savior in gratitude for His life and for His infinite and atoning sacrifice is to love as He loved and to serve as He served.
Jesus Christ taught: "And thou shalt love the Lord thy God with all thy heart, and with all thy soul, and with all thy mind, and with all thy strength: this is the first commandment. And the second is … Thou shalt love thy neighbour as thyself" (Mark 12:30–31).
This year the young women and young men of the Church have responded to the Mutual theme to "come unto Christ, … and love God with … might, mind and strength" (Moroni 10:32). As sons and daughters of God who keep their covenants, they witness their love for the Lord through repentance and obedience. We see youth increasing in prayer and scripture study. They strive to live the standards in For the Strength of Youth with greater devotion.
President Ezra Taft Benson taught that to love God this way "is no lukewarm endeavor. It is total commitment of our very being—physically, mentally, emotionally, and spiritually—to a love of the Lord. The breadth, depth, and height of this love of God extend into every facet of one's life. Our desires, be they spiritual or temporal, should be rooted in a love of the Lord. Our thoughts and affections should be centered on the Lord" ("The Great Commandment—Love the Lord," Ensign, May 1988).
Because we love Him we serve Him. Our beloved prophet has taught: "We cannot truly love God if we do not love our fellow travelers on this mortal journey. Likewise, we cannot fully love our fellowmen if we do not love God, the Father of us all" (Thomas S. Monson, "Love—The Essence of the Gospel," Ensign, May 2014).
In 2015, the Mutual theme invites young men and young women to manifest their love of God through service. "Therefore, O ye that embark in the service of God, see that ye serve him with all your heart, might, mind and strength, that ye may stand blameless before God at the last day" (D&C 4:2).
Our great-grandmother Emma Sommerville McConkie had a sacred experience that reminds our family that service motivated by the pure love of God sanctifies our souls and endures as a sure witness of God's love forever. Her son wrote this account in his journal:
"Mother was president of the Moab Relief Society. (A [young man] who opposed the Church) had married a Mormon girl. They had several children; now they had a new baby. They were very poor and Mother was going day by day to care for the child and to take them baskets of food, etc. Mother herself was ill, and more than once was hardly able to get home after doing the work at the home.
"One day she returned home especially tired and weary. She slept in her chair. She dreamed she was bathing a baby which she discovered was the Christ Child. She thought, Oh, what a great honor to thus serve the very Christ! As she held the baby in her lap, she was all but overcome. She thought, who else has actually held the Christ Child? Unspeakable joy filled her whole being. She was aflame with the glory of the Lord. It seemed that the very marrow in her bones would melt. Her joy was so great it awakened her. As she awoke, these words were spoken to her, 'Inasmuch as ye have done it unto one of the least of these my brethren, ye have done it unto me' (Matthew 25:40)" ("Charity Which Never Faileth," Relief Society Magazine, Mar. 1970, 169).
At Christmas, we look upon the baby Jesus cradled in His mother's arms and remember that His birth, His life, and His atoning sacrifice are gifts of love. His life is a legacy of compassion for the downtrodden, the poor, the weak, and the weary. Though He was the Son of God, He bore our sorrows, our sicknesses, and all that is unfair about life. He laid down His life and overcame death that every man, woman, and child may obtain immortality. Though sinless, He suffered in body and in spirit for the sins of all who will come unto Him with "a broken heart and a contrite spirit" (2 Nephi 2:7). His infinite and atoning sacrifice is the greatest demonstration of love ever manifest for all mankind.
As we worship the Father in gratitude for the matchless gift of His Beloved Son this Christmas, let us consider how we may embark in the service of God with all the love we have to give.
"What I can, I give Him—give my heart."


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This Insanely Huge Pool Is Literally Right Next to the Beach
Sparkling blue, crystal clear, refreshingly cool, and more than nine football fields long, this lagoon is what vacation dreams are made of.
Imagine an Olympic-sized swimming pool. Now imagine more than 20 of them lined up in a row.
Add a few extra feet of beautiful, clear saltwater and you'll have the lagoon at the San Alfonso del Mar resort in Chile. Yes, it's that big—big enough to sail a boat on, kayak on, and paddleboard on, if swimming is just too old school for you. A little more than nine football fields long, this enormous man-made pool by Crystal Lagoons holds 66 million gallons of water and is 11.5 feet deep at its lowest point.
Most striking, though, this outdoor pool is crystal clear, with blue waters to rival the Caribbean. And with an area of almost 20 acres surrounded by beautiful white-sand beaches, anyone enjoying its refreshing waters would think they were actually in a secluded island paradise, not on South America's Pacific coast, less than 70 miles from Santiago, Chile's capital.
Though more than twice as large as Guinness World Record's Largest Swimming Pool by Area, this lagoon does not have the honor of holding that title—probably because swimming, for safety, is restricted to cordoned-off areas, while the rest of the colossal pool is reserved for watercraft. (Note, though, that the World Record Academy does name the San Alfonso lagoon as the world's largest outdoor swimming pool.)
RELATED: 14 Best Beach Hotel Views
After it was finished in 2006, the San Alfonso del Mar lagoon did hold the title of Largest Man-Made Lagoon—at least until the almost 24-acre Citystars lagoon in Sharm el-Sheikh, Egypt (another Crystal Lagoons build, pictured above), stole the title. Another, even bigger, lagoon by the same company is in the works in Dubai. It's expected to be more than 90 acres, larger than California's Disneyland park.
So what's so special about these lagoons?
Designed, built, and maintained by Miami-based Crystal Lagoons, these lagoons bring the Caribbean beach lifestyle to resorts, communities, and developments around the world, according to a press release from the company, which also calls itself a "water innovation company."
These mega-lagoons are sustainable, self-cleaning, and crystal-clear, thanks to Crystal Lagoon's patented water filtration technology. They use up to 50 times less energy than conventional pool filtration systems, with fewer chemicals and less water.
The lagoons can also be of unlimited size, so that epically huge Dubai development might be just the beginning. Crystal Lagoons currently has more than 600 projects in different stages across 60 different countries, including 14 announced projects in the U.S. The first U.S. project, in a community near Tampa, Florida, is scheduled to be finished by the end of 2017, while a second (also in Florida, rendered above) has already broken ground. Other projects are located in Las Vegas; Dallas, Texas; and Miami.
Want one of these crystal lagoons in your own backyard? Good luck. The Tampa development, a community with a 7.5-acre lagoon and more than 1,000 new homes around it, already has a 3,700-person waiting list. This first community, dubbed Epperson, is one of four—perhaps a house on one of the remaining three is in your future!
In the meantime, scroll on for more images of these spectacular lagoons:
All photos courtesy of Crystal Lagoons


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The practice of business—how do you measure up?
In an increasingly competitive, outcome driven industry, the practice of business measurement has never been more important for physiotherapy practice owners and managers, writes Tom Laundy, director of health services and business advisory at William Buck.
At a recent APA seminar in Adelaide, I discussed the key drivers in physiotherapy and the importance of measuring performance. An increase in health consciousness, private health insurance and an ageing population are contributing to growth in the industry. However, at practice level, many practice owners and managers aren't measuring critical elements that realise sustainable growth. When measuring up, here are three questions to answer as part of your practice treatment plan.
How do you ensure you don't just buy a job?
A key point of confusion is owner remuneration—many owners aren't distinguishing between their salary and profits. In my experience, there's
a common misconception that the owner–manager shouldn't pay themselves a wage for non-clinical work. This is misleading for the practice because you are potentially overstating its value.
Many times, owner–managers believe they are making profits; however the profits aren't noticeably different to what they would be if that person was paying themselves a 'market' salary and then assessing what was left. While I acknowledge that it is easier to quantify remuneration for clinical work, some thought should be given to what cost the practice would incur to pay someone else to undertake the non-clinical (principally practice management) tasks currently undertaken by the owner.
By not deducting a cost for all 'human' inputs into the practice the outcome can be one of false security as shown by the example for an identical practice (see Table).
In business, investors expect to see a rate of return commensurate with the investment made and the associated risks assumed. The same theory should apply in physiotherapy practices. The Table demonstrates this potential overstatement by delineating between return from individual effort and return on investment. As shown, the value differential is $390 000, which is three times the owner's salary of $130 000. When you don't account for owner salary, you create an 'expectation gap' that may limit your opportunities in the market and potentially base important strategic decisions on misleading information.
One of the main benefits of a physiotherapy practice is a consistent fixed cost structure with low capital intensity, meaning that increases in revenue will lead to economies of scale and larger profit margins. It should be noted that the aim of investing in your practice isn't to just buy a job, but to also derive a return on investment, which is what drives saleable practice value. Don't make the mistake of blurring the lines on profit measurement.
The fact is, you should be remunerated for your efforts as an individual practitioner and if you're a practice owner, this cost forms part of operating your practice and should be remunerated.
Do you prepare budgets with the big picture in mind?
Tom Laundy.
The key to practice success is measuring performance, and it should be inherently linked to all business functions. So where do you start? Measuring performance requires a budget, and to have a budget requires starting and aligning with a strategic plan. Strategies are plans to achieve goals, they don't need to be complex and should be a fluid document. Your strategy should be linked to the commercial realities of the industry.
Questions to ask include what are the strengths and weaknesses of your own practice and what are the external opportunities and threats? What is your key selling proposition and how can it be leveraged? What are your critical success factors?
This is where strategic linkage helps; it is the linking of objectives to your strategy to employ in the pursuit of those outcomes. To show you how strategic linkage works in the overall measures of your practice, I will provide you with an example of the process.
First, research. The William Buck benchmarking report 2016 found that diversification was one of the best ways to achieve growth. Yet, 14 per cent of physiotherapists don't want to diversify their product/service mix. Research shows that overall, physiotherapists are reliant on building their own traditional revenue streams rather than diversifying the range of services they offer, or who they offer them to—limiting their options.
If you look at macro-economic trends, there is an emerging market for physiotherapists in aged care. Based on this research, from a strategic linkage perspective, diversifying your services into aged care could make sense. From here, you could adopt your vision to become the market leader in geriatric physiotherapy services in your chosen locations. Your objective may be to add 25 per cent to market share through contract arrangements with aged care facilities, representing 350 new active patient acquisitions within 12 months. Now you have designed your strategy, assess what corporate platform you will use to achieve this and how your budget will get you there. In this case your corporate platform focus would be marketing and business development. Other areas in the corporate platform include finance, operations, innovation, and human resources.
You can't assess how you're tracking if you don't have a budget or target in mind. In our experience, not many practices prepare good budgets, making it difficult to determine which measurements to focus on. A solid budget provides some level of fiscal responsibility in a set time and aids decision-making. The best budgeting is realistic and considers seasonal trends, known leave of key personnel, working days, profit and cash flow and correct baselines. The important part of budgeting to remember is that it is a discipline and it helps set the mark. It also allows for enhanced reporting on the score-keeping element of the accounting function.
The biggest question that needs answering next is what key performance indicators (KPIs) do I measure to ensure my practice runs correctly and gives me feedback as to how successful I am in pursuit of my strategy? The KPIs that you choose should be linked to your strategy. Are you confident that you're measuring the right indicators for your practice? Don't get caught up in measuring those without impact. While benchmarking— the process of evaluating the quality of one's business by comparison with industry peers—is a critical measurement, you need to remember the nuances of your own practice compared to others.
In my experience, the best practice owners are consistently using a combination of financial and non-financial measurements including patient management systems, accounting platforms, financial statements, management reports, budgets/forecasts, anecdotal evidence, enquiry, tax returns, valuation calculation, dashboard/scorecard reports and benchmarking data.
Financial indicators include profit, revenue per consulting room, budget variance and gross margin. While these are critical measurements, non- financial indicators give the best, real-time practice health-check. These are typically derived from practice software that tracks booking and medical information and can be crafted into non-financial measures including patient visit average, re-booked patients, patient satisfaction score, internal processes mapped and improved, new services and all calls answered/diverted.
So, how do you measure up? The overall outlook for physiotherapy practices is positive. It's the practice of business and how well you leverage the commercial environment as well as the tools you employ to continually monitor your performance that will ultimately drive your success forward.
© Copyright 2018 by Australian Physiotherapy Association. All rights reserved.


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Phone: (973) 627-3783


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Monthly Events
2020 Workshops
Our monthly workshops focus on Diversity, Inclusion and Equity Topics and are designed to be a safe space where attendees can be educated and informed in an engaging, interactive setting. On average, the DLA workshops attract around 100-125 participants monthly. Workshops are always at No Charge thanks to donations and sponsorship from our amazing Community Partners. However, in order to accurately accommodate attendees, registration is required. Past workshops have included topics such as The Art of Forgiveness, Unintentional Bias, Microinequities, Multicultural Do's and Don'ts and the State of Mentoring & How to Make it Work for your Organization.
Workshop Recordings
Missed a workshop? We are making recordings available on our website for those who missed or want to review a previous workshop.
Workshop Archive
If you have any questions about our workshops regarding subject matter or registration please contact us.
Dr. Olga I. Davis Associate Dean, Barrett, The Honors College Downtown Campus Professor, Hugh Downs School of Human Communication Arizona State University DLA has created a 5-part Series of healing dialogues that will culminate with a deep dive at a 2-day Virtual Conference in October. These dialogues are by no means meant to be all-inclusive, but will serve as …
DLA has created a 5-part Series of healing dialogues that will culminate with a deep dive at a 2-day Virtual Conference in October. These dialogues are by no means meant to be all-inclusive, but will serve as a part of an overall wholistic solution and a positive approach to harnessing our collective energy. This will be a safe space and …
INTERCULTURAL COMPETENCE Amplify your Inclusive Story and Impact! PRESENTER Renee Bhatti-Klug ___________________________________________ Intercultural Competence is defined as a person's ability to adjust, function and communicate effectively with members of different cultural groups or in various foreign cultural environments. This interactive educational workshop will teach a mindful approach to communication and how to show empathic understanding within diverse populations in …
Dear DLA workshop Participant, The Diversity Leadership Alliance team has made the decision to cancel our March 2020 program celebrating Women's History Month due to our concerns about the COVID-19 coronavirus. We take the current circumstances seriously and are acting in the interest of everyone's well-being. Our concern is the health and safety of our communities and we want to …
In celebration of Black History Month DLA presents Sharing our Cultural Wealth presented by Dr. Jeff McGee "Wealth is the ability to fully experience life." -HD Thoreau Wealth is a mindset; and cultural wealth is defined as a collection of knowledge, skills, abilities and connections – present or not, available or not – to communities in order to survive and …
Workshop Locations
The DLA Workshop locations are sponsored by our partners at Marciopa Community College District and are hosted at various Community College locations. Sample details for each college location is shown below. We recommend you print the campus map and directions at your convenience before attending each workshop. Please note that 2-3 workshops per year are hosted at other Corproate and Community venues.
Do we have reserved parking for the workshops?
There are no reserved spaces for the DLA workshops. Parking is on a first-come basis. Print the campus map for your convenience and review the parking lot options.
Will there be signage on campus for the event?
Signage may not always be provided on each campus since there are many entry points to enter the various parking lots. Once you register, you will receive a confirmation email with the building location and room which can be located on the campus map.
Paradise Valley
Community College
18401 N 32nd St, Phoenix, AZ 85032
Center for Performing Arts (CPA)
view map »
Mesa Community College
1833 W Southern Ave, Mesa, AZ 85202
Kirk Student Center (KSC) – Navajo Room
view map »
Phoenix College
1202 W Thomas Rd, Phoenix, AZ 85013
John Paul Theatre
view map »
Scottsdale Community College
9000 E Chaparral Rd, Scottsdale, AZ 85256
Student Center (SC) – Turquoise Room
view map »
Estrella Mountian Community College
3000 N Dysart Rd, Avondale, AZ 85392
Estrella Conference Center
view map »
Chandler – Gilbert Community College
Pecos Campus
2626 E Pecos Rd
Chandler, AZ 85225
Room – Pecos Agave Community Room
view map »
Gateway Community College
108 N 40th St, Phoenix, AZ 85034
IE 1302 – Cooper Room
view map »
South Mountain Community College
7050 S 24th St, Phoenix, AZ 85042
view map »
Glendale Community College
6000 W Olive Ave, Glendale, AZ 85302
Student Union (SU) 104 DE
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Phoenix Valley Community College
18401 N 32nd St, Phoenix, AZ 85032
Center for Performing Arts (CPA)
view map »
17602 N Black Canyon Hwy, Phoenix, AZ 85053
Tigerman Hall
view map »
Desert Willow Conference Center
4340 E Cotton Blvd, Phoenix, AZ 85040
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Sheraton Phoenix Downtown Hotel
340 N 3rd St, Phoenix, AZ 85004
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DLA Programs and Events
The purpose of DLA's programs and events are:
- Provide educational opportunities, tools, and resources to build an inclusive community.
- Assist students to transition from school to work and/or adulthood.
Monthly Educational Workshops
Monthly workshops or seminars, with attendance averaging over 100 attendees per workshop or seminar, feature world- class diversity and inclusion practice leaders. The focus is to promote leadership skills and educate attendees on a wide variety of topics. Participants gain valuable tools and information that can be implemented in their organizations and community. Workshops are always FREE to attend however registration is required. Past workshops have included topics such as The Art of Forgiveness, Unintentional Bias, Microinequities, Multicultural Do's and Don'ts and the State of Mentoring & How to Make it Work for your Organization.
Join us for our next workshop or seminar by browsing the link below. If you have an idea for a workshop or seminar please contact us and let us know.
View Monthly Workshops
Annual Diversity Conference
The annual conference, with attendance as high as 1,700, features multiple workshops, executive and legal forums and nationally recognized keynote speakers. This year's conference celebrates 18 years of Diversity and Inclusion and will be held on November 15, 2019 at the Sheraton Downtown Phoenix.
This year, DLA is proud to be celebrating its 18th Year. The conference will be held on Friday, November 15th at the Sheraton in Downtown Phoenix. "OUR STORIES" Fostering Conversations that Ignite Change is this year's conference theme. We will recognize, celebrate and honor companies and individuals blazing the Diversity and Inclusion Trail including a Youth Diversity Advocate, a person under the age of 30 in our newly created Youth Inclusion Leader category. Rounding out the 2019 stories we will celebrate overcoming, belonging and allyship in three dynamic conference experiences.
Storytelling is a unique and powerful way to teach, persuade and understand ourselves and others. It is a uniquely human trait and has been with us nearly as long as we've been able to speak. Whether it evolved out of necessity or was simply a by-product of our own intellectual development, stories are deeply embedded in our DNA. Across time and across cultures, stories have proven their worth not just as works of art, historical perspective or amusement, but as catalysts for change. Come listen and learn while you share your story, setting aside judgments and biases and exploring the possibilities that come when we are truly connected.
View 2019 Diversity Conference
Diversity & Inclusion Award Recipients
Each year at our Annual Conference, DLA celebrates and recognizes Arizona individuals and companies that lead by example, creating an inclusive environment that enhances and strengthens the community. Nominees must have operations in the State of Arizona.
View Events
Youth Leadership Academy
The Youth Leadership Academy supports Phoenix area high school students. This program is designed to support students transitioning from high school to college or directly into the workforce. Students are provided tools to create and sharpen their leadership skills. Students also receive resources, funding, and guidance to help them pursue Higher Education or obtain satisfying employment. This year we are pleased to announce new scholarship donors, Mountain Park Health Center and Maya Cinemas who have graciously agreed to support the DLA Leadership Academy for the next 5 years!
View Youth Leadership
Education Committee
2020 WORKSHOP THEME "SHARING OUR STORIES" Continued…
" Never Stop Sharing"
"Stories are the communal currency of humanity." — Tahir Shah, in Arabian Nights.
Storytelling is a unique and powerful way to teach, persuade, and understand ourselves and others; where we are different and where we are the same. It is a uniquely human trait and has been with us nearly as long as we've been able to speak. Whether it evolved out of necessity or was simply a by-product of our own intellectual development, stories are deeply embedded in our DNA. Across time and across cultures, stories have proved their worth not just as works of art, historical perspective or amusement, but as catalysts for change.
We all love stories; sharing some of our favorite experiences or finding ourselves in another's adventures. It may be a tale of victory after overcoming impossible odds or simply a memorable moment that happened to us in passing. Nevertheless, storytelling allows us to learn about ourselves and others and what is possible.
So, 2019 will be all about Sharing Our Stories, setting aside judgments and biases, listening and learning, and exploring the possibilities for tomorrow.
Every time somebody shares their experiences with us, we get to see what is truly possible. The benefit that shared experiences afford us, as a human race, is a deeper understanding of us all.
- Who are you?
- Where have you come from?
- What do you know?
- What experiences have you had?
- What are you trying to share and give to us all?
- Please share your story, and I will share mine.
A story can only be a story if it is shared. That's what makes the act of sharing just as fundamental to storytelling as the experience itself. Once a story is shared it becomes part of us all. We are all part of each other's stories.
Plan to join us in 2019 in Sharing Our Stories.
A Message From the Education Committee Chair
Mallary Tytel, Chair
Education Committee
Telling Our Story: The Diversity Leadership Alliance Education Committee
"If you want to go fast go alone. If you want to go far go together."
– African Proverb
For the past 9 years, I have had the privilege of being part of the DLA Education Committee and am honored to now serve as its new Chair. The DLA Education Committee helps plan, coordinate, and implement the ongoing education programs and events for our community, members, sponsors, and participants. Our regular, half-day programs are open to the community free-of-charge and focus on new and emerging topics around inclusion and fitting into our world. Ours is a group process, working together to identify and invite the most knowledgeable and effective speakers, catalysts, content experts, and guides to facilitate our monthly programs, while increasing knowledge and raising awareness.
Our objectives include
- Developing skills and disseminating information through new tools and models
- Building our own individual and collective capacities
- Offering resources to identify innovative research and potential solutions for the changing work environment
- Providing a safe venue for asking tough questions and understanding changing norms, customs, and expectations
- Listening, observing, and welcoming new points of view
We do not operate within a vacuum. As educators as well as advocates, we reach out to, encourage action and participation, and seek the experiences and expertise of our members and participants. Together we may not find all the answers but through learning, commitment, and sharing our stories, we will come up with the right questions.
Thank You
- Alethea Session
- Betty Thompson
- Dr. Brent Scholar
- Jacque Starks
- Kristen Walker
- Shannon Walker
- Suzanne Martin
- Tyree Boze
Collectively our current 2018-2019 Committee, above, represents over 50 years of support for the Diversity Leadership Alliance.
Dr. Mallary Tytel, Chair,
DLA Education Committee
We welcome anyone who is interested in joining the Education Committee. For information, please contact Mallary at firstname.lastname@example.com.
Join the Education Committee
Let us know you're interested in joining the Education Committee.
Contact Us
2019 Education Committee
Mallary Tytel
Alethea Session
Betty Thompson
Dr. Brent Scholar
Jacque Starks
Kristen Walker
Shannon Walker
Suzanne Martin
Tyree Boze


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How to Travel From Darwin to Alice Springs
Darwin and Alice Springs are both hot spots for travellers and two places which should appear on everyone's travel itinerary. But at a jaw dropping 1,500km from each other, getting from one to the other can take time. And patience.
The Sights
Most of the fun in travelling when there is no schedule or rush is exploring all those places you'd normally pass by when getting from A to B. The top end is full of amazing sights to see from national parks such as Kakadu and Nikmiluk where you'll find the awe inspiring Katherine Gorge, down to the famous healing waters of the Mataranka Thermal Springs. The well-worn path from Darwin to Alice Springs has much to offer and makes for a once in a lifetime road trip. However, if time is not your friend and you want to make the journey in as little time as possible, buses and trains are your best bet. So which to choose…
Hiring a Camper Van
If the Stuart Highway and the freedom to stop as and when you choose appeals, then hiring a camper van and driving the route could be for you. There is a ton of competition between rental companies in Darwin and organising a one way rental is pretty easy, and often decent value. The 16 hour journey is not to be taken lightly though, so make sure whatever van you rent (or buy) is in a good enough condition to get your safely to Alice. Breaking down on a remote highway in the desert is not recommended and something to be avoided at all costs. Take out breakdown cover and pack plenty of fuel, water and paper maps – GPS can be unreliable at best in parts of the desert. If you do decide to take the plunge and drive, you'll be rewarded with epic vistas, stunning camp sites and the chance to take in all those places you'd miss if you did the journey any other way.
Leave the Driving to Someone Else
If you'd rather leave the driving to someone else, take a ride on one of the many reliable bus services and guided tours through the desert. Competitively priced, air conditioned and a great way to meet fellow travellers, the bus option is hugely popular. And with plenty of stopping points, those long hours on the road are nicely interrupted along the way. Total travel time comes in at a minimum of 22 hours and a ticket will set you back in the region of $300-400, depending if you get an express or more leisurely service. Common stopping points include the quirky mining town of Coober Pedy, the national park region of Katherine and Tennant Creek.
The Last Option
The last option, other than flying, and one not for the short of money is the world famous Ghan Railway. The Ghan is one of the world's great rail journeys, with top class service, luxurious cabins and tasty meals. It's a fantastic way to see all the beauty of the Outback from the comfort of an air conditioned cabin. The Ghan is a once in a lifetime experience and has a price tag to match so if you do decide to splash out, be prepared to pay big bucks for the privilege.
So however you make the travel from Darwin to Alice Springs, make sure you make it an adventure – this iconic journey is a trip into Australia's heart.


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How Data-Driven Marketing Can Reel In Millennials
The consumer electronics industry faces an unprecedented predicament that has quickly shifted the modern retail model. For the first time, consumers hold all the power.
And the primary proponent of this drive is the millennial.
Representing about $200 billion in annual buying power, the 75 million Millennials in America are often incorrectly merged into one category. Now, more than ever, Millennials are looking to create a unique identity in the brands they choose, and it is up to retailers to make those distinctions in both their identity and how to pinpoint the correct audience subsection.
Millennials are the 'social generation.' They wear their personal choices, such as supported companies, as a badge of honor. They create a connection with a brand if they feel that the company has correctly identified their needs.
"Big data has developing changed how everybody can market to different targets," said Ted Cardenas, Vice President of Marketing, Car Electronics Division at Pioneer Electronics. "A decade ago, we had very broad strokes as far as advertising and promotions, but we didn't really have a way to define or pinpoint what our messaging was or even what that vehicle was to target them."
Now niche retailers and manufacturers like Pioneer have shifted their focus to Millennials as a market of untapped potential. By seeking out the most influential consumer group in America, Pioneer has devised strategies to maximize its rate of return.
Create A Niche, Make it Resonate
Pioneer's success over the last 78 years expands from a few distinct approaches. One is its ability to stay nimble as trends come and go. Another is its ability to build an organization that lives and breathes its products.
Its primary approach is Pioneer's ability to recognize its audience and design a message that holds value beyond a single purchase.
Pioneer's current campaign, for example, does more than promote an improved technology or an updated model; it promotes a lifestyle enhancement. The uncomplicated message, 'Don't break up with your car, upgrade it,' emphasizes that there is a way to bring a top of the line technology into any car. Pioneer executed on findings that revealed 86% of millennials have smartphones and that 22% of Americans upgraded their car radio to get the latest features.
"We have ownership of the voice, with respect to the technology and the message we are delivering," Cardenas said. "Overall, that gives us the ability to cut through our peer's messages which might say 'we have the fastest network, the most coverage, or a specific technology.' Our message is simple. We can deliver tech to your car without buying a new one."
Targeting The Social Generation
For as long as many veterans in the industry can remember, widespread tactics has been the primary vehicle for advertising. It was impossible to be confident that the right audience who interact with an individual ad. However, with the emergence of new technologies, specifically the mobile phone and social media, marketers have shifted their big bucks out of traditional advertisement and into highly focused data mining.
"We can see their enthusiasm for the automobile if they are drivers or like things related to a specific car brand," Cardenas said. "We can slice away consumers that are more general, someone who treats the car as an appliance, not someone who is an enthusiast."
"Being able to see the behavioral data enables us to make a much bigger return on that investment," he added.
While things like tracking pixels and cookie data might be uncomfortable concepts for older generations, Millennials respond well to targeted advertising. The only caveat is that the advertising needs to be conversational. Research shows that Millennials don't like to be talked at, meaning traditional advertising can feel untrustworthy. However, Millennials do want to be engaged, and 62% of them are more likely to become loyal customers if they believe a brand can identify who they are and communicate effectively on social networks with them.
Another 42% of millennials said they are also interested in co-creating with companies says a recent survey; something Pioneer backpedaled into with Pandora integration. One of the first partners in the music streaming service, Pioneer never intended to use it from a promotional or advertising standpoint. However, after noticing that the message resonated strongly with its audience, Pioneer has continued to build off of this integration and seize opportunities with the same advantages.
"From that perspective, Pioneer is an early adopter," Cardenas said. "Data gave us the power to answer questions, as a really niche company, that we were in search of."
Reflecting on Eight Decades of Success
Today's buyer craves information. They seek satisfaction and may be more knowledgeable than ever, possibly running laps around the interaction with a salesperson. That's why the most important tool any company has is building a purpose-driven campaign that solves a problem.
Millennials demand a product that will unify their investments, not fragment them.
By allowing customers to integrate seamlessly into an ecosystem, Pioneer and companies like it offer a solution to targeting the modern consumer - a solution that relies on a well-executed plan and a firm understanding of the audience.
Pioneer was founded in 1938 in Tokyo, Japan by Nozomu Matsumoto - a man with a passion for music that he hoped to share with the world through high quality audio speakers. That passion began with a small operation to repair and manufacture speakers in Matsumoto's garage. It has since grown to international stature as a manufacturer of audio and video products for use at home, in the car and in business environments.
The element that has not changed in nearly 70 years is the passion for audio and video products that we hope to share with the world. From the employees at our research labs looking for the "next big thing" to the engineers at our factories focused on quality assurance to our product trainers explaining the new technology to our customers - we remain passionate about creating an unbeatable entertainment experience.


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Different project setups. Projects with (a) traditional collocated teams, (b) collocated teams with onsite consultants, (c) nondistributed outsourcing projects, and (d) nondistributed insourcing projects aren't distributed, whereas projects with (e) distributed insourcing with two teams, (f) distributed outsourcing with two teams, (g) distributed insourcing with one virtual team, and (h) distributed outsourcing with one virtual team are considered distributed project arrangements. The projects described in (e) and (f) rely on loosely coupled teams, whereas (g) and (h) have dispersed or virtual teams.
Source: Virtual Teams,Published by the IEEE Computer Society


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The best way to size your rider's new bike is by Inside Leg measurement.
By all means supplement with height and age as a guide, but Inside Leg is more accurate as there is a large spread of leg lengths/heights for each age. This is easy and only takes a few seconds;
- Stand your rider in socks against a wall
- Put a small book between their legs (like a saddle, high as comfortable) and against the wall
- Ask your rider to move away, measure from the top of the book to the floor, using cm or inches.
We list a Minimum Inside Leg dimension for all our kids race bikes, on each product page.
HUP Bikes Sizing Guide:
Scatto Bikes Sizing Guide:


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Posted on: Thursday, August 6, 2020 - 1:27pm
Weymouth Woods State Nature Preserve Staff in Temporary Quarters
Weymouth Woods State Nature Preserve Staff in Temporary Quarters
RALEIGH -- The staff of Weymouth Woods State Nature Preserve in Southern Pines has relocated to temporary office quarters due to a renovation project at the park's visitor center, according to the N.C. Division of Parks and Recreation.
The renovation project is funded by the Parks and Recreation Trust Fund and will address requirements of the federal Americans with Disabilities Act (ADA), provide additional office space and update the electrical and plumbing systems.
"When the existing buildings were built in 1969, Weymouth Woods had only one fulltime employee and there were no laws concerning access for people with disabilities," said Park Superintendent Scott Hartley. "Today, we have six fulltime staff members and we're anxious to make as much of the park as possible accessible to all."
The park staff remains on site daily in a temporary office trailer adjacent to the visitor center. One accessible restroom is located in the park office and two portable toilets are located in the parking area. All trails are open, and staff will provide hikes and other outdoor programs on weekends and outreach programs upon request.
The temporary office is open 9 a.m. to 5 p.m. Monday through Friday. On weekends, the office may be closed at times to allow staff to patrol park trails and conduct programs. The park gate is currently open from 8 a.m. to 7 p.m. daily. For more information, contact the park at (910) 692-2167 or by email at firstname.lastname@example.com.


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Hi all
Miu of Plus Size Kitten is organizing yet another interesting contest to win a Chanel lipgloss. All you have to do is pose with your favorite gloss and follow some simple rules. Click here to read the rules. Contest ends 1 Dec 09.
Here is my entry pose with my lippy.......No makeup except the lipgloss....what do you think.....?
My contest caption: My all time favourite Estee Lauder High Gloss Ultra Brillance lipgloss (color code no14 Amethyst) brightens my day and chase my gloom away!
Hope to win the contest. Vote for me!


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By JACK WEATHERLY
The official plans had not been made public, but leasing agents reached out in advance on Tuesday to say Northpark Mall in Ridgeland will undergo a $50 million upgrade.
Brooks Corr of Retail Specialists LLC of Birmingham told the Mississippi Business Journal that work on the 958,000-square foot mall on County Line Road will begin in the first quarter.
Najla Kayyem of Pacific Retail Partners of El Segundo, Calif. said Tuesday the $50 million figure is not correct but did not say how far off it is, adding that the company is "pretty close" to making an announcement.
It was close.
On Wednesday, Pacific Retail confirmed in a release that the work will indeed begin in the first quarter. The "multimillion-dollar" renovation will encompass a comprehensive redevelopment of the center including; entrances, dining area, children's play area, restrooms, interior and exterior landscaping, furniture, fixtures, lighting and common areas.
Gensler Architects, based in Los Angeles, will lead architectural and design efforts with Unified Construction serving as the general contractor.
"These renovations provide a new atmosphere, modern design, thoughtful options for families, and a place to create memories through experiences that go beyond shopping," said Gary Karl, chief operating officer of Pacific Retail.
"The renovation is the first step in repositioning one of Mississippi's largest commercial destinations.," The release said. "People will experience architectural upgrades merging the region's distinct Southern character with timeless, modern design. The stunning new look will combine clean modern glass, steel and natural light with the warmth of woods and subtle floral nuances. The remodeled Northpark will deliver a mix of both traditional and new, with a curated experience for guests and community members"
Ridgeland Mayor Gene McGee said in a prepared statement: "We've been working with Northpark leadership for years to reinvest in the property. We are anxiously awaiting the designs and look forward to working with them on ensuring the expectations of our community are exceeded."
Karl added: "Investing in Northpark and this strong community benefits everyone. The renovations and added amenities will provide an improved experience, for both our retailers and community. The fresh dining venues, children's interactive play experience and family lounge create a stylish and warm, family-friendly gathering hub for Ridgeland."
Karl continued, "This renovation is part of the longer term overall redevelopment of the property as we continue to look at filling a deficit in entertainment options in the tri-county area, as well as new local and national dining experiences and the right curated mix of retailers to fit the needs of this community."
Northpark will remain open throughout the redevelopment with a scheduled completion of the work for late 2018, prior to holiday season.
Pacific Retail bought the mall built in 1984 from Simon Properties in September 2016.
Kayyem said in June that Pacific Retail would reveal its plans in July.
Northpark, which last underwent a major renovation in 1998, has lost prestigious tenants to newer malls and other centers in the area.
Enclosed malls in general have a bleak future, according to experts, such as Credit Suisse, which predicted earlier this year that within five years 25 percent of them would be closed.
Jan Kniffen, chief executive of J. Rogers Kniffen Worldwide Enterprises LLC, an equity research and financial consulting firm for the retail sector, told the Journal in June that of the number of U.S. malls, between 1,000 and 1,200, about 400 would be either closed or restructured by 2030.
Kniffen said that mall foot traffic is dropping by 6 to 8 percent a year.
An alternative to closing will be to reinvent them, he said.
"What everyone wants to do is make their shopping malls more experiential. You want to put things in [them] that can't be done on the Internet," ranging from hair salons to restaurants to "sky-diving tubes."
… we'd like to ask for your support. More people are reading the Mississippi Business Journal than ever before, but advertising revenues for all conventional media are falling fast. Unlike many, we do not use a pay wall, because we want to continue providing Mississippi's most comprehensive business news each and every day. But that takes time, money and hard work. We do it because it is important to us … and equally important to you, if you value the flow of trustworthy news and information which have always kept America strong and free for more than 200 years.
If those who read our content will help fund it, we can continue to bring you the very best in news and information. Please consider joining us as a valued member, or if you prefer, make a one-time contribution.Click for more info


text: Sections View Full Chapter Figures Tables Videos Full Chapter Figures Tables Videos Supplementary Content ++ Basic Renal Processes for Sodium, Chloride, and Water ++ ++ ++ Chloride reabsorption parallels sodium reabsorption mainly because: ++ ++ ++ a. most chloride transport is via a symporter with sodium. ++ ++ b. chloride is the most abundant negatively charged species available to balance the reabsorption of the positive charge on sodium. ++ ++ c. chloride has such a high passive permeability. ++ ++ d. chloride and sodium are both part of the sodium chloride molecule and cannot be separated. + ++ B. Reabsorbed sodium must be balanced by reabsorbed anions. Once most of the bicarbonate is reabsorbed, only chloride exists in high enough concentration to match the continued reabsorption of sodium. ++ ++ ++ The obligatory water loss in the kidney: ++ ++ ++ a. is another name for insensible loss of water. ++ ++ b. occurs because there is always at least some excretion of waste solutes. ++ ++ c. occurs because there is an upper limit to how fast aquaporins can reabsorb water. ++ ++ d. is the amount of water that accompanies sodium excretion. + ++ B. So long as there is filtration there is excretion of organic waste which obligates water to be excreted also. ++ ++ ++ Which region of the tubule secretes water? ++ ++ ++ a. The descending thin limb. ++ ++ b. The cortical collecting duct. ++ ++ c. The medullary collecting duct (when ADH is absent). ++ ++ d. No region secretes water. + ++ D. Osmotic conditions in all tubule regions favor water reabsorption. ++ ++ ++ If the thick ascending limb stopped reabsorbing sodium, then the final urine would be: ++ ++ ++ a. iso-osmotic with plasma in all conditions. ++ ++ b. dilute. ++ ++ c. concentrated. ++ ++ d. dilute or concentrated, depending on ADH. + ++ A. The tubular fluid entering the medulla is iso-osmotic. If the tubules did not separate salt from water, the medullary interstitium would remain iso-osmotic. The luminal fluid would also remain iso-osmotic because there would be no osmotic gradient to either dilute it or concentrate it. ++ ++ ++ If a healthy young person drinks a large amount of water, which of the following is unlikely to happen? ++ ++ ++ a. A decrease in ... GET ACCESS TO THIS RESOURCE Sign In Username Error: Please enter User Name Password Error: Please enter Password Forgot Username? Forgot Password? Sign in via OpenAthens Sign in via Shibboleth Get Free Access Through Your Institution Contact your institution's library to ask if they subscribe to McGraw-Hill Medical Products. What is MyAccess? Create a FREE MyAccess profile to: Use this site remotely Bookmark your favorite content Track your self-assessment progress and more! GET ACCESS TO THIS RESOURCE Subscription Options Pay Per View Timed Access to all of AccessMedicine 24 Hour $34.95 (USD) Buy Now 48 Hour $54.95 (USD) Buy Now Best Value AccessMedicine Full Site: One-Year Individual Subscription $995 USD Buy Now View All Subscription Options


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We are less than 100 days out from the 2018 Winter Olympics in PyeongChang, South Korea. This is the fourth Winter Olympics where Burton will be the official uniform sponsor of the US Snowboarding team. They unveiled the competition and village gear with a handful of athletes that are vying for the coveted Olympic spots. There are still four more qualifying events left before the US team is finalized in late January. I got a chance to chat with Jake Burton, founder of Burton, Greg Dacyshyn, designer of the uniforms, and a few of the athletes.
Jake Burton, Founder and Chairman of Burton Snowboards
"Snowboarders have pretty much always led the sport. We're not just saying hey go ride in this. We really involve the athletes in making the decisions. [The uniform collection] is super functional. I don't know how realistic it is for retail. It's expensive, but the riders are stoked. I have yet to find a rider who isn't really excited to ride in it. Snowboarding is not about uniforms. It's not about nationalism. But once every four years it's kind of like let's do it. And if we're gonna do it, let's do it right."
Greg Dacyshyn, Head Designer of Burton's Olympic uniform program
"Inspiration is full on space suit. Apollo program sort of. This is our fourth time doing the Olympics. They've always been sort of retro inspired Americana. This time we wanted to do something that would push on the technical aspects. Who doesn't love a space suit? They're the coolest things in the world, right? You go to the Smithsonian you look at that and it's just awe. The competition jacket is on a full Terminator 2 liquid metal sort of thing. It's super performance based. When I presented the concept to the riders and showed them the fabrics, it was a rousing thumbs up. I knew we were in a good place to boldly go where no rider has gone before. You never want it to look too costumey, but I think it's cool to have a little bit of theme to it. Have a little fun with it. No one likes to wear a uniform, but a fun uniform…"
Kelly Clark, four time Winter Olympian and Author of Inspired: Pursuit of Progress
"I'm trying to make my fifth Olympic team, which is pretty wild. There's a lot that goes into trying to make an Olympic team and then performing at your best at the Olympics. It's been an honor and a privilege to get to do it since I was 18 years old. I never in my wildest dreams thought I'd be 34 and trying to make my fifth Olympic team. I'm still progressing. I still love it. I'm still competitive. And I think I still got more potential. That's why I'm still here. I'm long past trying to prove things to people. I'm much more comfortable in my own skin and excited to push the limits to see what I'm really capable of. I am oddly aware that it might be my last rodeo, so I'm just trying to enjoy it as much as I can. No matter how many times you've done it. It never gets old and it never gets easy. I don't think any woman from the US has ever made five Winter Olympics. It's pretty wild.
[Inspired: Pursuit of Progress] is a project I've been working on for over two years. It's a book on motivation. I'm not a huge personality. I don't live my life every moment on social media. I found it a cool way to let people in, in a way that I've never had before. I've had a successful snowboarding career and I feel that I've learned things that have helped me to find success in a healthy way and to have a sustainable career in a performance culture. That's really what I set out to do in this book…give away the things that I have learned and help people navigate disappointment, help people deal with fear. I tell everything through the vehicle of snowboarding. Sports has such a beautiful way of illustrating life principles. I've really grown up and learned who I am through snowboarding. These are snap shots and stories from my life."
Danny Davis, 2014 Winter Olympian
"I've been snowboarding more and riding more half pipe than ever before a contest season. I'm trying to ride a much as I can. I need to keep my skills sharp. You've got a lot of good riders learning new tricks, but I've tried to never let that stress me out. I just do the snowboarding that I would like to do and try to do it as well as I can. I do the tricks I'm excited to do.
I went to the last Olympics in 2014. I made the team in 2010, but I hurt myself on a four-wheeler shortly before and I ended up not being able to compete. I was a young lad having too much fun. I learned the hard way and that teaches you lessons.
Everyone's like are you going for the Olympics? I'm going to do the contests that lead up to it. I'm gonna do X Games anyway. I'm gonna do Dew Tour. I'll do the Grands Prix. If I make the team, awesome and if I don't, it's time to go film, you know. You have Alaska in April that is always epic. There are other things in our snowboard world outside of the Olympics that I try not to put too much on it."
Chloe Kim, mathematically qualified for the US Olympic team in 2014, but at 13 was too young to compete
"[Before a competition] I just chill. I just do whatever. Honestly, I'll have Hawaiian pizza the day before I compete and have biscuits and gravy for breakfast. I believe in being comfortable. I definitely do work out, but I'm not super intense about it. I think that works for me. I don't know how my body is going to feel in 30 years, but for now it's good.
All the Grands Prix are always really fun. It's a little nerve-racking because they're qualifiers now. I just want to go in and have as much fun as possible and not think too much about the Olympics. But I think my parents are more worried about the Olympics. They're like Chloe you need to do this and that.
I think being Korean American is awesome. I'm first generation. My parents immigrated from Korea in the 80s. I was definitely raised in a very Korean culture, but went to an American school and grew up here. I, honestly, am so excited because I feel like I can represent both countries in a way. I have an Asian face and was born and raised in America. I have two sides of me, which I love. It's a really cool opportunity and I'm really excited."
Best wishes to all of the Olympic hopefuls!
As a graduate of Parsons School of Design, I have been working as a lifestyle and fashion editor based in New York City for over a decade. I have styled everyone from…
As a graduate of Parsons School of Design, I have been working as a lifestyle and fashion editor based in New York City for over a decade. I have styled everyone from actors (Leslie Odom Jr., Dave Franco, Ed Burns) to chefs (Bobby Flay, Marcus Samuelsson), and even athletes (David Ortiz, Andy Roddick, Jonathan Toews, Joakim Noah). My work has been published in Esquire, Robb Report, Oprah, Forbes, Food Republic, British GQ, Racked, Bloomberg, Surface, GQ China, WWD, amongst others. I cover everything from style to lifestyle, including all of life's indulgences such as travel, grooming, health, wellness, interiors, culture, food, and drink. Before transitioning to the world of editorial, I earned my industry stripes at Saks Fifth Avenue, Michael Kors, and Giorgio Armani. I am a runner and snowboarder who loves to eat. I also host the Hungry Feast dinner series. You can follow me on Instagram and Twitter @HungryEditor.


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|Hardcopy (shipping and handling)
|Standard + Redline PDF Bundle
Historical Version(s) - view previous versions of standard
More C16.40 Standards Related Products Standard References
Significance and Use
5.1 This practice outlines general procedures that are recommended for correct installation of spray polyurethane foam (SPF) as an insulation in the building enclosure including; walls, ceilings, attics, floors, crawl spaces, attics and foundations.
Note 2: SPF roofing installations are not covered by this document. Users may wish to consult Guide D5469 and Specification D7425.
5.2 This practice is not all-inclusive; this practice is intended only to supplement detailed instructions from manufacturers, SPF industry best practices and safety requirements as may be established by law.
1. Scope
1.1 This practice covers the installation of high-pressure spray polyurethane foam (SPF) as an insulation for building enclosure assemblies including: walls, ceilings, attics, floors, and crawl spaces. This practice does not apply to SPF used strictly as a component for an air barrier system or for SPF used in roofing applications.
1.2 Building design criteria and selection of SPF are beyond the scope of this practice.
1.3 The use of SPF insulation covered by this practice is typically regulated by building codes or other agencies that address fire performance. Where required the fire performance of the material shall be addressed through standard fire test methods established by the appropriate governing documents.
1.4 The values stated in SI units are to be regarded as the standard. The values given in parentheses are for information only.
1.5 This standard does not purport to address all of the safety concerns, if any, associated with its use. It is the responsibility of the user of this standard to establish appropriate safety, health, and environmental practices and determine the applicability of regulatory limitations prior to use.
1.6 This international standard was developed in accordance with internationally recognized principles on standardization established in the Decision on Principles for the Development of International Standards, Guides and Recommendations issued by the World Trade Organization Technical Barriers to Trade (TBT) Committee.
2. Referenced Documents (purchase separately) The documents listed below are referenced within the subject standard but are not provided as part of the standard.
ASTM Standards
C168 Terminology Relating to Thermal Insulation
D4263 Test Method for Indicating Moisture in Concrete by the Plastic Sheet Method
D4449 Test Method for Visual Evaluation of Gloss Differences Between Surfaces of Similar Appearance
D4541 Test Method for Pull-Off Strength of Coatings Using Portable Adhesion Testers
D5469 Guide for Application of New Spray Applied Polyurethane Foam and Coated Roofing Systems
D6226 Test Method for Open Cell Content of Rigid Cellular Plastics
D7425 Specification for Spray Polyurethane Foam Used for Roofing Applications
Society for Protective Coatings (SSPC)SSPC SP 1 Society for Protective Coatings: Solvent Cleaning SSPC SP 6 Society for Protective Coatings: Commercial Blast Cleaning
European StandardEN 14315-2:2013
ICS Code
ICS Number Code 91.100.60 (Thermal and sound insulating materials)
UNSPSC Code
UNSPSC Code 13111300(Foams)
|Link Here
|Link to Active (This link will always route to the current Active version of the standard.)
Citation Format
ASTM C1848-17a, Standard Practice for Installation of High-Pressure Spray Polyurethane Foam Insulation for the Building Enclosure, ASTM International, West Conshohocken, PA, 2017, www.astm.orgBack to Top


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The key driver of townhouse demand is not just affordability
but also quality of living
Townhouses have come a long way in community masterplans – and in maturing buyer mindsets about how they want to live.
While townhouses have been around for some time, the perception and indeed quality of townhomes has evolved significantly over the last 4 years. Once considered boxy, compact and cheap, the diversity, innovation and quality of townhouses today has made them a popular choice among buyers of all types including first home buyers, downsizers, families and couples.
RPM has been at the forefront of the development and growth of the townhouse trend.
Head of Communities at RPM Luke Kelly says over the last 3 years the number of townhouses featuring on estates has continued to steadily grow.
"The percentage of total lots sold up to 300 sqm throughout Melbourne and Geelong's growth corridors has increased from an average of 11% to 12% to 18% last year," he said.
While this comprises both smaller house and land packages and townhouses, we estimate the total proportion of townhouse stock in master-planned communities today is about 15%.
Luke also said the key driver of townhouse demand is not just affordability, but also quality of living.
"Medium density really gained traction during the last property boom a few years ago as an alternative to smaller house and land packages when prices were going up," he said.
"In parallel with shifting demographic and lifestyle trends including an ageing population and low maintenance living, townhouses offer a very desirable way to live – particularly as the size, design and diversity of medium density product continues to evolve."
According to Luke, the quality of the external facades and internal design has improved significantly.
"Our expertise in this type of product tells us many buyers are prepared to trade on the size of their home but not their quality of living," he said. "They want a feeling of living in luxury, with features like stone benchtops, timber flooring, split systems, fast broadband, 900mm cooktops and ovens, walk-in laundries, natural lighting and blinds throughout.
"They also want a practical floorplan that maximises space that takes into consideration ceiling heights, storage, an outdoor area and a double lock up garage.
He said some buyers also like buying into a precinct of homes that evoke old-style terraces in suburbs like Carlton and East Melbourne but in a modern context.
"This symmetry also creates a sense of place in a master-planned community as well as providing certainty about what's being built next to you.
"We've built a strong capability in medium-density in terms of product design and product mix through our buyer surveys and the volume of townhouse product we've introduced to the market," he said. "It's a real point of difference for us and our clients."


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With years of experience in delivering van & men service, commercial & residential moves, secure storage solutions, wide range of packing materials we got strong background and expertise to progress and exceed the industry requirements.
Moving house can be a stressful experience. We are here to make the transition as smooth and as stress free as possible.
Were a family run Removal Business based in Gillingham Dorset, with over 15 years experience. We are also able to do light haulage out of Dorset, Somerset & Wiltshire to anywhere in UK.We pride ourselves on providing a professional removal service to our customers.
We provide domestic storage for home movers and storage for small businesses (document archiving) at very competitive rates.Langham Storage is a family-run business that provides excellent storage for your belongings.
is an experienced independent family run business. takes pride in making sure your ride is made as smooth as possible, whether you are buying, letting or selling.
Milton Indoor Storage Services - Storage Services in Gillingham.
Johnsons of Shaftsbury have been providing comprehensive removals in Dorset for almost 180 years. In addition to our removals services, we are proud to provide shipping and self storage.
We are dealing internationally. For all countries and intestates enquiries please call or email
Removals. We can if required supply packing meterials. such as boxes,bubble wrap and tape(just call. for prices and availability). Also we can provide a packing
Yeovil Haulage Ltd has been making the right moves since 1985 offering a local and National removals, storage and distribution service.
Specialists In The Removal, Transport & Installation Of Industrial Machinery In The U.K. & Europe.
Williams and White Transport is a removals and transport company. Were a well-established company in Wiltshire and Dorset, where we have countless satisfied customers in the local area as well as nationwide. Fully insured and prepared for any job nationally and worldwide. All employees are trained to very high standards for all aspects of the job. ?
Martin Brothers have developed a specialised distribution business for auction houses, retailers, manufacturers and collectors. Our aim is to provide a quality service at a reasonable cost. We work for most of the major furniture suppliers and retailers throughout the UK.
A R J Jones Removals are based in the Westbury, Warminster, Frome area and are ideally situated to provide economic storage, removal and house clearance services within the Wiltshire area and beyond.
Local Postcode: BA10
Surrounding Postcodes:
Surrounding Towns:
Bruton, Castle Cary, Wincanton, Shepton Mallet, Templecombe, Gillingham, Frome , Radstock, Sherborne, Wells
South Somerset District Council [i]
Council Type: District
Council Telephone: 01935 462 462
Council Population: 158700
Local Police Station: Visit Website
Council Address:
Council Offices, Brympton Way, Yeovil BA20 2HT
Moving home from Bruton? you might need the parking permission from council to park the removals van in front of your property.
Arrange the parking permit by calling: South Somerset District Council on 01935 462 462.
If needed, get the permission from the council to avoid extra charges from your moving company due to possible parking issues.
Below you can find a rough estimate of the volumes each type of removals van can hold.
|Transit Van
|450 Cubic Feet
|3.5 Ton Luton Van
|700 Cubic Feet
|7.5 Ton Truck
|1400 Cubic Feet
|HGV 17.5 Ton
|2200 Cubic Feet
|40 Feet Trailer
|3000 Cubic Feet
Please find the approximate volume assessment based on the size of the property you are moving.
|1 Bed Flat / Studio
|300 Cubic Feet
|2 Bedrooms Flat
|650 Cubic Feet
|3 Bedrooms Flat
|1000 Cubic Feet
|2 Bedrooms House
|700 Cubic Feet
|3 Bedrooms House
|1400 Cubic Feet
|4 Bedrooms House
|2200 Cubic Feet
|5 Bedrooms House
|3000+ Cubic Feet