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Corporate and Investment Banking. Absa Retirement Annuity Fund: Core Portfolio. Keeping you financially fit for retirement prosperity
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1 Corporate and Investment Banking Absa Retirement Annuity Fund: Core Portfolio Keeping you financially fit for retirement prosperity
2 Contents Absa Retirement Annuity Fund: Core Portfolio 2 About the Core Retirement Annuity 2 The Core Retirement Annuity is ideal if 2 Benefits 3 Significant tax advantages 3 How the Core Retirement Annuity works 3 Annual review 5 Costs matter 5 Minimum investment amount 6 Fees 6 Accessing your Core Retirement Annuity 6 How to invest 6 Appendix 1 7 Absa Retirement Annuity Fund: Core Portfolio Absa Retirement Annuity Fund: Core Portfolio (the Core Retirement Annuity ) is a uniquely designed low cost retirement annuity ( RA ) solution, based on so-called life stage investment philosophy. Life stage investing is based on the observation that investors risk appetites generally decline as they near their retirement date. In the Core Retirement Annuity, your exposure to risky assets is automatically reduced as you near retirement (visit etf.absacapital.com for more details about the investment methodology). About the Core Retirement Annuity The Core Retirement Annuity provides diversified exposure to various asset classes (domestic and international equity, property, commodities, fixed income and cash), subject to overall limits imposed by the Regulation 28 of the Regulations made under the Pension Funds Act, The portfolio is composed utilising passive building blocks (exchange traded funds and notes) to ensure low investment costs. The portfolio is rebalanced bi-annually. The Core Retirement Annuity is ideal if You want to top-up your pension or provident fund. You re self-employed. Your employer does not provide a pension or provident fund. You wish to reduce your tax liability. You are looking for a low cost retirement solution. You invest in yourself everyday. Why not invest in your future too? 2 Absa Retirement Annuity Fund: Core Portfolio
3 Benefits Simplicity and convenience: Your portfolio is automatically adjusted each year so that your risk reduces closer to retirement. Easy to transact and manage: Simple online application process, investment tools, statements on demand, and recommended annual investment reviews. Low investment costs: Portfolio building blocks comprise low-cost passive investments (exchange traded funds and notes). Full transparency as to where your money is invested. Offered through the Absa Retirement Annuity Account: See Appendix 1 for additional benefits. Your RA will automatically be adjusted every year in line with the asset allocation that corresponds with your retirement age. Significant tax advantages Your contributions to a RA are tax deductible by up to 15% of your non-pensionable income. The return on investment earned on your RA is tax-free. And, at retirement, a significant portion of the cash sum is tax-free. How the Core Retirement Annuity works You will be placed into an asset allocation that is based on your length to retirement (life stage), according to information you provide on your current age and expected retirement age. If you are still far off from retirement, you will be placed in a portfolio with greater allocation to shares (equity). In the long run, this asset class typically produces higher returns and should recoup any short-term losses incurred by the higher risk. The opposite is true, the closer you are to retirement as the emphasis now is to protect your retirement nest egg. Your RA will automatically be adjusted every year to be in line with the asset allocation that corresponds with your retirement life stage. For illustration purposes figure 1 below shows the movement from higher to lower equity exposure as you approach retirement and figure 2 the detailed holdings per life stage. Figure 1 Asset Allocation % 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Years to Retirement Equity (Domestic and International) Other Asset Classes Absa Retirement Annuity Fund: Core Portfolio 3
4 Figure 2: Fund holdings and total expenses ratios Fund Asset Class Years to retirement NewFunds erafi Overall NewFunds Equity Momentum NewFunds Swix db x-trackers MSCI World Index STANLIB SA Property NewFunds Govi NewFunds ILBI NewFunds Traci Domestic Equity Domestic Equity Domestic Equity 21.18% 21.18% 21.18% 21.18% 19.83% 18.42% 14.17% 8.64% 21.18% 21.18% 21.18% 21.18% 19.83% 18.42% 14.17% 8.64% 21.18% 21.18% 21.18% 21.18% 19.83% 18.42% 14.17% 8.64% International Equity 11.21% 11.21% 11.21% 11.21% 10.51% 9.75% 7.50% 9.07% Property 1.69% 1.69% 1.69% 1.69% 1.87% 1.86% 2.11% 2.93% Fixed Income 9.32% 9.32% 9.32% 9.32% 9.61% 11.79% 14.72% 14.06% Fixed Income 11.78% 11.78% 11.78% 11.78% 14.07% 18.23% 23.16% 17.40% Cash 2.46% 2.46% 2.46% 2.46% 4.45% 3.12% 10.01% 30.61% Consolidated Total Expense Ratio¹ 0.31% 0.31% 0.31% 0.31% 0.30% 0.30% 0.29% 0.28% Source: Absa 31 Jan 2014 ¹ The consolidated total expense ratio (TER) is a measure of the weighted average total expense ratios of the s that make up each years to retirement category. The TER is a measure of the s assets that have been sacrificed as payment for services rendered (allowable charges per prescribed industry standards) in the management of the (the TER excludes brokerage and transactional costs), expressed as a percentage of the daily average value of the portfolio and calculated over a 12 month rolling period. A higher TER does not necessarily imply a poor return, nor does a low TER imply a good return. The current TER cannot be regarded as an indication of future TERs. 4 Absa Retirement Annuity Fund: Core Portfolio
5 Annual review Annually, you are encouraged to review your current situation to determine if you would like to make changes to your stipulated retirement age, and contribution level. If no action is taken you will remain in the existing asset allocation until your age bracket changes, whereby you are automatically re-allocated to the next asset allocation category. Costs matter South Africa has one of the highest cost bases for retirement savings in the world. Layers of administration fees, management and platform fees eat up a significant portion of your investment returns. The importance of all these fees is often overlooked as it is difficult to visualise a difference one percent of additional fees can make during the life of the investment especially important for the long-term investments such as those for retirement. In figure 3 on the following page the National Treasury of South Africa* highlights the potential effect that different annual fees might have on an individual s final retirement benefit over a period of 40 years. Annual fees vary from zero to five per cent along the horizontal axis. The vertical axis shows the final retirement benefit, re-scaled so that, in the case of no annual fees, the benefit equals 100. For instance, if the recurring charges deducted from the fund account of a regular saver are reduced from 2.5% to 0.5% of assets each year, he or she would receive a benefit 60% greater at retirement after 40 years, all else being equal. Alternatively, the saver could get the same retirement benefit by making contributions over his or her lifetime that are around 40% lower. Figure 3: Effect of recurring charges on retirement fund accumulations 100 Contributions Growth fees *Source: Treasury of South Africa (2013) Charges in South African retirement funds, [Online], Available:http:// in%20south%20african%20retirement%20funds.pdf [11 July 2013]. Note: These results assume regular contributions increasing at 6 per cent per year for 40 years. Although investment returns were assumed to be 10 per cent each year. Retirement benefit % 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% Annual charge Absa Retirement Annuity Fund: Core Portfolio 5
6 Minimum investment amount Lump sum investment: R Recurring investment (debit orders): R500 per month Additional investment: R5 000 Fees Annual administration fee * : 0.228% Consolidated total expense ratio of asset allocation categories (see figure 2 above): 0.28% % An annual processing fee of R228 per client is levied and is deducted pro rata from the investment on a quarterly basis. An additional retirement fund cost of approximately R34 per product per annum will be deducted. These are fund expenses and are directly related to, for example, annual auditing fees, fidelity insurance cover and trustee remuneration. There is no asset management fee charged. All fees quoted above are inclusive of VAT, which will be levied where applicable. *The annual administration fee is calculated on the market value of the units held in the fund. Any financial adviser initial and annual review fees are negotiable between you and your financial adviser, if applicable. This product aims to offer you a low cost retirement annuity and the fees are well below the industry average. Accessing your Core Retirement Annuity The Core Retirement Annuity is accessible at the correct retirement age. Despite early retirement, the earliest age is still 55. However, if you emigrate or suffer ill health, you will be able to access your RA before you retire. How to invest Application is directly online. Visit the how to invest page or product page at etf.absacapital.com and click on apply. Transfers from other registered funds Transfers from other approved Pension or Provident and Retirement Annuity Funds can be transferred free of tax into the AIMS Retirement Annuity Fund and are completed by filling out a manual transfer form downloadable under the how to invest page or product page at etf.absacapital.com 6 Absa Retirement Annuity Fund: Core Portfolio
7 Appendix 1: Absa Retirement Annuity Account The Absa Retirement Annuity Fund offers members a versatile and tax effective vehicle through which they can make the necessary provision for their retirement years in a flexible manner. Ideal investor The Absa Retirement Annuity Fund is suitable for individuals who: Are self-employed and do not belong to a pension or provident fund. Receive a salary and wish to make additional provision for their retirement years. Wish to reduce their tax liability. Seek to invest in a flexible retirement savings vehicle. Wish to make lump sum investments and/or recurring contributions to a retirement fund. Salient features The salient features of the Absa Retirement Annuity Fund are: Flexibility in terms of contributions and portfolio adjustments. Transparency related to fees, investment terms and underlying investment holdings. Regular reporting on portfolio holdings, investment values and transactions. No penalties related to aspects such as minimum investment term or contributions. Simplicity in terms of product features, fee structures and administrative processes. Investment term dependent on the selected retirement age, which may not be prior to the age of 55. Easy transition to a post-retirement income solution on the AIMS platform. Tax-free transfers from approved pension, provident, preservation or other retirement annuity funds. Special arrangements in the event of death or disability. Choice that allows for the construction of a diversified portfolio from a comprehensive range of funds within Prudential Investment Guidelines. Withdrawals prior to retirement are allowed where the total retirement benefit of the Retirement Annuity Fund is less than R The withdrawal will be seen as a lump sum benefit received (thus it forms part of the member s gross income) and not a withdrawal, and as such will be taxed at the member s normal tax bracket. Full withdrawals are allowed where the member is emigrating from the Republic of South Africa. Proceeds will be subject to tax. Benefits Retirement Benefits On retirement a cash lump sum of up to onethird of the retirement benefit may be taken. The remaining two-thirds of the retirement benefit is used to purchase a compulsory annuity. In the event that the total retirement benefit, on retirement, is equal to or less than R then 100% of the retirement benefit may be taken as a cash lump sum subject to tax. Death Benefits In the event of the death of the member prior to retirement date, the benefit will be paid to the member s dependants or nominated beneficiaries in such proportions as the trustees deem equitable or, failing such persons, the member s estate. The dependants have the following options subject to the trustees decision: Convert to a cash lump sum equal to onethird of the value of the investment and use the remaining balance to purchase a compulsory annuity. The dependents may elect to receive the full benefit as a cash lump sum, subject to tax. Disability Benefits In the event of a member becoming permanently disabled prior to age 55, the member may apply to the trustees of the fund to be allowed to retire early on the basis of disability. The member may, subject to income tax, convert to a cash lump sum equal to onethird of the value of the benefit or may elect to receive the full benefit as a cash lump sum where the benefit is equal to or less than R Tax implications In terms of current legislation, members are entitled to deduct their contributions from taxable income, within certain limits. On retirement the member may take up to one-third of the retirement benefit proceeds available in cash, of which a portion may be received tax-free. In addition to this any contributions that the member may have made in the past that did not rank for deduction may increase the tax-free portion. The balance of the retirement benefit proceeds must be used to purchase a compulsory annuity. The income from this annuity is subject to normal tax. During the term of the investment no tax is levied on any interest income, net rental income and/or foreign dividends earned, within the fund.
8 Contact information Absa Client Contact Centre: +27 (0) Website: FAIS Act Notice and Disclaimer Absa Bank Limited, registration number 1986/004794/06 (ABSA) is an authorised financial services provider in terms of the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS). This product is supplied by Absa Bank Limited and administered by Absa Investment Management Services (Pty) Ltd (collectively referred to as Absa). The information contained herein is not advice as defined and contemplated in the FAIS Act. No information contained herein is to be used or construed by you as an offer to sell and/or a solicitation of an offer to buy securities and/or any other financial product ( products ) of any nature. The information contained herein including all research, opinions or other content is not intended to and does not constitute financial, accounting, tax, legal, investment or other professional advice. Absa does not act in any way as a financial advisor and does not hold itself out to be such. Investors are encouraged to obtain independent professional investment advice before investing in any of Absa s products. Please note that merits of any investment should be carefully considered together with the investor s specific risk profile and investment objectives. Prior to investing or transacting, you should fully understand the products and any risks and issues related to or associated with them. The products may involve a high degree of risk including, but not limited to, the risk of low or no investment returns, capital loss, adverse or unanticipated financial market fluctuations, inflation and currency exchange. Retirement Annuities are long term investments. The value of the underlying solution may go down as well as up and past performance is not generally a guide to the future. The information, views and opinions expressed herein are based on third party sources believed by Absa to be reliable and are therefore expressed in good faith. Illustrations are not guaranteed but are for illustrative purposes only. All views and estimates are given as of the date hereof and may change without notice. Absa may not request or induce in any manner a client to waive any right or benefit conferred on the client by or in terms of any provision of the FAIS General Code of Conduct, or recognise, accept or act on any such waiver by the client. Neither Absa, its affiliates, holding company, subsidiaries or directors, shareholders, agents, consultants or employees shall be liable for any damages or losses suffered by you resulting from your use of this document or the information contained therein, including without limitation any indirect, special or consequential losses whether arising out of contract, delict or equity. Absa expressly disclaims any liability for any damage or loss as a result of errors or omissions. This document is for information purposes only and may be amended without notice. Absa holds adequate professional indemnity and fidelity insurance cover to meet its contractual obligations. The Conflict of Interest Management Policy and the Complaints Resolution Policy and Procedure may be accessed on or may be requested from the Compliance Department. Product Supplier Absa Bank Limited Registration Number 1986/004794/06 Authorised Financial Services Provider with FSP number 292 and Registered Credit Provider Reg No NCRCP7. Registered address 7 th Floor, Barclays Towers West, 15 Troye Street, Johannesburg, 2001, Postal address 15 Alice Lane, Sandton, Box 7735, Johannesburg, 2023,Internet address Administrator Absa Investment Management Services (Pty) Ltd (AIMS) Registration Number 1980/002425/07, Authorised Financial Services Provider with FSP number 524, approved benefit administrator in terms of section 13B of the Pension Funds Act with registration number 24/246, Registered address, Absa Investments Campus, Block D/E, 61 Empire Road, Parktown, 2193, Postal address, PO Box 974, Johannesburg, 2000 Telephone number , Fax number , Internet address https://www.absainvestments.co.za
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text:
have to admit that spiceworks is a really good system, i had a lot of inital setup problems but after consulting with the internet and this site there all fixed.
however i have a small question that may be answerable it may not, i am looking for a way to post tickets to the helpdesk in spiceworks from an application i am writing is this possible? i would rather not have to mess around with the database and start posting things in there, i would like to use what ever URL or Form method spiceworks already has in place to accomplish this is this possible?
3 Replies
Dec 20, 2007 at 9:03 UTC
Spiceworks can create tickets from emails. The easiest way would be for your system to submit tickets as email to the account that Spiceworks monitors.
If you'd like to use the HTTP posting mechanism, you will have to look at the HTML form in the helpdesk portal.
Dec 20, 2007 at 9:56 UTC
Hi Tabrez,
thanks for the reply regarding this, i think i will use emails been as SW already supports this ablilty. don't suppose you can point me in the direction of an article on what i need to send in the email to make it a ticket can you?
Dec 20, 2007 at 10:01 UTC
This help topic should get you started on configuring the email setup in Spiceworks.
Essentially, Spiceworks will use the from address, subject, and text of email to create the ticket.
One thing to note, Spiceworks typically notifies the user of the receipt of the ticket. If you don't want that you'll want to look at the SMTP (outgoing) settings.
This discussion has been inactive for over a year.
You may get a better answer to your question by starting a new discussion.

subset: commoncrawl


text:
I had the pleasure of attending a workshop event held this past Saturday at the awesome CoCo coworking space at the Minneapolis Grain Exchange. It was called SaaSCamp 2012. Note the year is part of that title, because it fully intends to be a recurring event. If you're part of an early-stage software-as-a-service business, or planning one, and you missed this workshop — well, you missed a great one, and I would make sure you get to the next one when it happens!
The event was conceived and conducted completely by Lief Larson, CEO and founder of Workface Inc., with assistance from a couple of his team members. Workface is a growing startup in Minneapolis that itself developed a SaaS offering it now markets widely, which it calls a "customer engagement platform." I was extremely impressed with the breadth and depth of the content Lief pulled together for this event. It included a extensive look at market data for SaaS in the U.S. and globally, monetization strategies and practices, selling to the enterprise, negotiating contracts, increasing adoption and retention of your app, marketing your app, creating a channel to sell your app, financing and funding a SaaS business, training your SaaS customer, and ongoing monitoring of your SaaS business. On top of all this, Lief related some really excellent stories throughout the workshop about his journey in funding and building Workface.
I had a chance to follow up with Lief afterwards to get some further perspective on the story behind SaaSCamp…
Q: Lief, why did you decide to do the event?
Lief: I've had a great group of mentors who have helped me during my entrepreneurial journey and I try to pay it forward by helping other young businesses and entrepreneurs to find success. A few of my "mentees" are building applications that are software-as-a-service (SaaS) offerings and asked that I consider putting on an event. That's why I created SaaSCamp 2012 — to bring together like-minded people working on SaaS. I think the event is already bigger than me, and I'm hoping the community will take it and run with it.
Q: In saying you'd like to turn SaaSCamp into a regular event, how often do you mean?
Lief: I think meeting up once a quarter or some greater level of frequency is important to stay current with new ideas and best practices in SaaS, but a larger annual event is a must.
Q: Why did you do it as a small, paid event, rather than use the barcamp or unconference model (sponsor-supported, with free attendance), like CloudCamp and so many others?
Lief: Whether you're doing a sponsor-supported or attendee-supported model, the reality is that there are costs for hosting an event. CoCo Minneapolis gave us a great deal, but they too needed to bring in people and security. When you do a day-long event, people need to eat and drink. Having a sponsored model takes some of the objectivity away, plus we don't have a big list of providers who are focused on sponsoring the SaaS community (yet). I think this will change over time. In any case, we analyzed the anticipated costs of the event, and used that to be the guide for what to charge for tickets. Plus, having a cost/value relationship, in my humble opinion, ensures that you keep the event focused on the right type of attendees and preserve a focused and more intimate experience. We've all been to those conferences that are a free-for-all and you often get a heavier mix of vendors that are simply coming to spend a day trying to sell to the attendees. We had zero selling going on at our event, but rather a 100% focus on how to grow and improve your SaaS business. SaaSCamp had a 100% money-back guarantee to ensure that the $200 ticket price was a non-consideration in the value received. If/when the event has more attendees, I anticipate the ticket price will drop through economies of scale.
Q: You mentioned to me that you believe "we have the best place in the world to build a SaaS company here in Minnesota." Can't it be done anywhere?
Lief: Technically, a SaaS business can be built from anywhere. But I think for highly successful SaaS businesses to get off the ground, it is better positioned in a market where the cost of doing business is relatively low, and the technical talent base to execute against the opportunity is high. Silicon Valley is well-positioned in terms of financing, but it's also a very expensive place to build a business and the most competitive technology talent market in the world. There's no place in the world I'd rather be building my SaaS company than right here in Minneapolis. We've found highly qualified engineers and programmers, incredible business support, affordable living and reasonable business overhead costs, and we're well situated for travel to the east or west coasts. Plus, we have more Fortune 500 companies per capita here than anywhere else in the U.S. We're well represented in terms of small, medium, and large companies to sell into.
Q: What's the latest with Workface, and what can you tell us about your upcoming plans?
Lief: Like many SaaS companies, we've found a way to scale the business without dramatic headcount additions to the company. That's why SaaS businesses can become highly profitable when they scale. Workface has only 7 full-time employees, 2 part-time, and the rest of our business is accomplished through our contingent force, which includes 16 contractors. We currently service more than 110,000 users and count companies like Intuit and AAA as customers. Though our revenues are scaling and we've seen double-digit month over month growth, we're continuing to bring private and institutional capital into Workface for growing our market penetration. The visibility to ROI with SaaS is usually spread out over a longer time horizon (incremental monthly recurring revenue vs. selling on premise all in one big chunk). As such, we anticipate taking on outside capital for some time to come.
Disclosure: Lief Larson is a former client and, I fully admit, one of my favorite serial tech entrepreneurs in this town.
Funny story: Lief and I traveled to Palo Alto a couple years ago for a conference where Lief was pitching to the Silicon Valley VC community, along with a bunch of other hot startups, and sharing the stage with speakers like the founders of Salesforce and SuccessFactors. We stayed in a funky old, '60s-vintage Travelodge motel — about as low-priced as we could find in Palo Alto. After we checked in to our respective rooms, we both went online to work. First thing I see is an email from Lief with a photo attached of this gorgeous, expansive hotel room, saying, "Wow, I hope your room is as nice as mine." I never laughed so hard, because I could hardly turn around in my dinky little room.


text:
"Cops wanna knock me, D.A. wanna box me in. But somehow, I beat them charges like Rocky." - Jay-Z
Why Ashlee Had To Lip Sync
(That was too easy!)
Yes, that's right, Ashlee's got herself a leaked sex tape.
Absolutely, positively NOT work safe. Unless nudie havin-sex photos of Ashlee are safe at your work. I don't know, maybe you work in the porn industry.
This should finally satisfy all of the readers who find this blog by searching for "Ashlee Simpson's boobs."
Blonde Justice News - You Hear It First. (Assuming, of course you don't read WWFD. Maybe I should say, "You hear it second, about a day later than WWFD-readers.")
(And yes, I too have my questions about whether that's really Ashlee or just some look-alike. I guess we'll have to wait and see.)
IMPORTANT UPDATE: IT IS AN ASHLEE SIMPSON LOOK-ALIKE. So, not the real Ashlee. But, if you've got that big of an Ashlee thing (no pun intended), it might be something worth seeing.
4 comments:
- AnonymousJanuary 11, 2006 6:21 AM
Be very cautious in going to sites like this. There are exploits in Microsoft Windows that may allow the bad guys to take over your machine just by viewing an image or downloading a font.ReplyDelete
- AnonymousJanuary 11, 2006 2:37 PM
I didn't view the photos you posted because I'm at work, but I've seen them. I don't think it's Ashlee, because the tape was supposed to have been made before she was famous. She was a blonde before she was famous.ReplyDelete
WAIT! I just looked at the website more closely, and it does say she's an Ashlee Simpson look-alike.ReplyDelete
Now, either they just added that or, I feel a little dirty admitting this, I was only looking at the pictures not the text the first time around.
- AnonymousJanuary 13, 2006 1:32 AM
I work at the ACLU; I think it's ok to look at these pictures there. Last week we searched online for naked pictures of Debbie Gidson. Sorry, Deborah.ReplyDelete


text:
"Scott Pilgrim vs. the World 2010" free download Texh superfile
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Title: "Scott Pilgrim vs. the World 2010"
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text:
|Property type
|Minimum Stay
|3 - 5 nights
Kingston Plantation is premier, oceanfront South Carolina resort, highly acclaimed by the travel and recreation industry. This 145-acre resort is graced with a variety of fresh-water lakes, lovely garden paths and vacation amenities.
Our 1,450 sq. ft. villa is a 3 bedroom, 3 bath second-floor unit. New flooring throughout. The kitchen has all new appliances and granite countertops. The living room has 42" HDTV, vaulted ceilings and a balcony that overlooks a quiet, tree-shaded lawn. 32' HDTVs in all bedrooms. Blueray/DVD player in living room.
Wifi internet access included in rental rate!
The unit is a short walk to the beach, heated pools and Jacuzzis. Richmond Park also has a separate pool for owners and guests. The unit is close to the resort's Sport and Health Club with its indoor and outdoor pools, exercise and weightlifting rooms, and outdoor lighted tennis courts. Kiva Spa offers facial treatments and massages.
A full time golf director is available to book tee times at Kingston's Arcadian Shores, located adjacent to the resort, or at one of the more than 100 courses in the area.
Shopping is convenient. Within a mile, there's Tanger Outlet Center, Wal-Mart and groceries. The unit is also within walking distance of the Apache Fishing Pier.
We also have another nice 2BR/2Bath Unit in Richmond Park, VRBO listing vrbo.com/231046, just across the parking lot.
The place was very nice and clean. I loved the set up, and the fact that each bedroom allowed separate living quarters for everyone. The walk to the beach was not bad.
Four of us stayed at the condo including two kids for a few days. The condo was very clean, well appointed, and spacious. It was close to the beach and also close to a golf course. The parking was easy. The pool was closed, I think because of the off season. The owner was very easy to work with and provided clear instructions for checkin / checkout.
I would stay here again.
This unit was clean and tidy. It had absolutely everything you could need during your stay. This is the 3rd time we've stayed in this unit and we'll be going back!
Our stay was wonderful. The property managers were prompt in returning our call about the broken air conditioner unit. The team had a service man at the apartment within a few short hours. The Wi-Fi password and needs for the unit were all in an easy to locate booklet. The unit was also supplied with cooking essentials and plenty of linens. The second floor unit was very quiet all 12 days we were there. The unit was nicely updated and well maintained! We will be returning to this unit very soon!
This was a beautiful and well maintained property,it looked just like it's pictures. It was spotless when we arrived and all amenities were provided for, right down to coffee filters. It was a beautiful home away from home and just a short stroll through the private property to the beach. Security was wonderful and we wanted for nothing during our stay. We were close to shopping,piers ,and all major attractions. Kingston Plantation and all of the property owners there are the bestin the business. Thank you for everything!
Our family has never stayed in this villa before but my son and his family have stayed in Kingston Plantation a few times with this being the first time in this villa. The villa was very comfortable and clean with the kitchen definitely the best equipped that we have ever had in all the years we have stayed in villas at Hilton Head, SC which is where my husband and I usually go. Our family enjoyed the good food at Villa Romano, Joe's Bar & Grill, Bimini's and Crab Catcher's. I do not recommend a pizza place called Two Goombah's (worst pizza I ever had). My husband and I plan on returning to Kingston Plantation in the future since we so enjoyed this vacation. The owner of this villa was very prompt in returning any emails or phone calls made to him.
Richmond Park, Kingston Plantation.
***The Embassy Suites and Hilton in Kingston Plantation has poolside/beachside entertainment daily in the summer. A short walk on the beach will also get you to Ocean Annie's Restaurant and the Apache Fishing Pier.
|Rate Period
|Weekend Night
|Monthly *
May 1 2017 - Sep 5 2017
5 night minimum stay
Sep 6 2017 - Dec 20 2017
3 night minimum stay
|Refundable damage deposit
|Tax Rate
Jan-Apr .. $1000/week
May-Aug .. $1600/week
Sep-Dec .. $900/week
Plus SC 12% sales tax
Deposit - $250 (to reserve)
Cleaning Fee - $150
Departure cleaning included in weekly rates
Monthly winter rates available
No pets/no smoking
$250 refundable security deposit to hold reservation.
Rental payment due within 3 weeks prior to arrival.
* Approximate monthly rate. Actual rate will depend on the days of the month you stay.


text:
With the upcoming submission of its 'Impact Assessment' as part of the Plan for Development and Operation (PDO) process, Wintershall is announcing updated, higher recoverable resource estimates for its operated Maria Field: following intensive internal studies, Germany's largest internationally active oil and gas producer now estimates that the planned technical recoverable resources will reach about 180 million barrels of oil equivalent (boe). This means that the estimate has increased by about 40 million boe (previously 140 million boe: 130 million barrels of oil and about 10 million boe of associated gas).
The new assumptions are the result of extensive laboratory tests and studies as well as model calculations. With a 50 percent share, Wintershall is the operator of the Maria Field, which according to the Norwegian Petroleum Directorate is among the three largest development projects in the planning stage on the Norwegian Continental Shelf. Other partners in the project are Petoro AS (30%) and Centrica Resources (Norge) AS (20%).
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- You are here:
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How to freeze lemons
If you want to keep your lemon for baking just cover it in cling film and freeze. You can grate the skin for when you need to add zest to a recipe.
If you want to save your lemon for adding to drinks or herbal teas (it's much more refreshing than normal ice cubes) cut into slices and freeze individually so you can just use a segment at a time.
Your comments
Claire Kemp
I cut my lemons into slices and then put them in an ice-cube tray with water. Voila instant lemony ice for your G&T! :)
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Let us know when your receive great advice so we can thank our lawyers and point others with similar questions in the right direction.Got it!
Will filing bankruptcy avoid my HOA from putting a lien foreclosure on my home for failing to pay dues?
If the HOA has not filed a lien against your house, then filing bankruptcy should prevent them from doing so. However, any dues that come due after you file bankruptcy must be paid. If the lien has already been filed, then more information would be necessary in order to determine whether the lien is avoidable (i.e. can be stripped away). You should speak with an experienced bankruptcy attorney.
Please be advised that any information or advice given herein does not constitute an attorney client relationship. Further, before taking any actions or deciding not to take any actions, you should seek counsel of an attorney. This forum cannot provide you with the anyalysis and detail necessary for a full and accurate opinion to be rendered.Ask a similar question
Not paying HOA dues can lead to some unforeseen consequences. Their rights can often take priority over the mortgage in some circumstances. I would check with a lawyer who has expertise in HOA by-laws and laws.
Legal disclaimer: This is not legal advice and is not intended to create an attorney-client relationship. The post is only an opinion. You should speak to an attorney for further information. The poster is licensed only in Illinois. Please visit www.bernardjconway.com for more information about our services. If this post is useful to you, please remember to upvote it.Ask a similar question
Post-petition HOA dues are not subject to discharge. If you surrender the property in a bankruptcy, you MAY be able to avoid paying them (the courts differ on this).
[I am a Virginia-licensed attorney. This communication is intended as general information and not specific legal advice, and this communication does not create an attorney-client relationship.] I hope this helps. If you think this post was helpful, please check the thumbs up (helpful) tab below. Thank you!Ask a similar question
Past HOA dues are dischargeable, and if the lien is not yet filed, they cannot file one after you file bankruptcy. If a lien is filed before the bankruptcy, it will survive a Chapter 7 bankruptcy, and they may be able to foreclose on it. As post-petition HOA dues are not discharged, you will need to pay them to avoid future liens and potential foreclosure.Ask a similar question
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MusicaSacra has posted a wonderful bilingual Missal for the extraordinary form: The St. John Fisher Missal as created by the University of Cambridge.
Kathleen Pluth, director of sacred choral music at St. Joseph Academy, S.T.D. (cand.) student at the Angelicum in Rome, hymn writer and translator | archive
Fr. Christopher Smith, S.T.D., pastor of Prince of Peace Catholic Church in Taylors, SC | archive
Mary Ann Carr Wilson, music director at St. Anne Church in San Diego, home of the summer Chant Camp.
Adam Wood, church musician and writer at Music for Sunday.
e-mail: email@example.com