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Highs & Lows
This story appears in the October 1997 issue of Entrepreneur. Subscribe »
In the late 1970s, the chicken company Mike Helgeson's grandfather founded faced two choices. The family-owned St. Cloud, Minnesota, enterprise could continue to compete in a middle market that was becoming crowded with chicken from low-cost producers. Or it could go after the higher-end market.
After much thought, the company decided to develop its own brand, Gold'n Plump, and position itself as the high-quality alternative to store brands and other low-priced options. "I think it's been successful," says Helgeson, CEO of Gold'n Plump Poultry Inc., of the strategy. "We've doubled [revenues] in the last five years."
Today, companies in a variety of industries are pondering similar choices, thanks to the growing influence of a concept called two-tier marketing. Its premise is that, beginning about the time Gold'n Plump was making its move in the late '70s, American society began separating itself into haves and have-nots. At the same time, the middle class--long the growth engine of mass marketers of all stripes--was becoming less influential.
For marketers in search of large and growing markets, this usually means deciding whether to shoot for the upper tier, the lower tier--or both. "Any company that used to be in the middle has to go in one direction or the other," says Paul Leinberger, senior vice president with market research firm Roper Starch Worldwide Inc. in Newport Beach, California.
"Does it mean the end of mass marketing?" asks Myra Stark, director of knowledge management for Saatchi & Saatchi Advertising Worldwide in New York City. "You could make a good argument that it does."
Trend Track
The idea that America was becoming a two-tier society started about 10 years ago when economists began noticing new trends in earning patterns. Studies of data from the early 1980s showed the richest one-fifth of the population was absorbing almost all the growth in income and wealth, while the poorest one-fifth was actually earning less.
But it wasn't simply that the rich were getting richer and the poor were getting poorer. The most striking change was the shrinking middle class. The number of people between the richest and poorest fifths fell to just over half the total, for the first time since World War II. This interruption of the growth of the middle class has since been confirmed by a number of studies of income distribution and household wealth. It's a change of epic proportions.
"If you looked at a graph of income distribution in the '50s and '60s, it looked like a diamond, with lots of people in the middle and fewer at the ends," says David Stewart, chairman of the marketing department at the University of Southern California in Los Angeles. "Now it looks like an hourglass, with lots of people at the ends and fewer in the middle."
The idea that the country was becoming economically polarized ignited much debate. And after Roper Starch came out last year with a report suggesting tools for marketing in an environment they called the "Two Americas," two-tier marketing became a business buzzword.
Two-tier marketing is now being embraced by a number of leading consumer companies. Examples include Walt Disney Co., which distributes products incorporating a cartoon version of Winnie the Pooh to discount stores and a more refined version known as "Classic Pooh" to upscale markets. Leinberger points to clothing company Gap Inc., which is adding upscale Banana Republic and discount Old Navy stores to mid-level Gap locations, its original concept.
The theme extends across many industries, says Stewart. "What we've seen is more and more companies either looking at the top or bottom, or trying to do both," he says. "If you're doing both, you're really into two-tier marketing."
Two-Tier Techniques
Like any marketer, a two-tier marketer must find a need and then design a way to fill it. The difference is that, instead of looking at satisfying the mass market in the middle, you look up, down or both ways.
Most firms go after the upper end of the market, Stewart notes. However, the lower end can be a good choice, too, as the phenomenal success of Wal-Mart's discount stores proves. In some industries, so many have gone upscale that there is a major opportunity at the low end, says Stewart. One example, he says, is financial services. So many banks are targeting wealthier customers that the growth of check-cashing centers, pawnshops and other low-end lenders is booming.
Going both ways, with different products tailored to upper-end and lower-end consumers, requires having a product line, as opposed to a single product. That rules out two-tier strategies for one-product companies--unless they're willing to broaden their offerings.
If you have a product already aimed at an upscale market, going two-tier can be as simple as bringing out a generic, low-cost version of your existing product. Developing a branded, higher-priced product is more complicated, requiring advertising to introduce and support it.
Looking At Limits
While the middle class may be shrinking, it's definitely a long way from gone. Products such as blue jeans, soft drinks and laundry detergent continue to be sold to the mass market in much the same way as they always were. No one is predicting that everything will go two-tier. Even a two-tier enthusiast like Saatchi & Saatchi's Stark concedes, "The age of mass marketing is still with us."
Two-tier strategists should also realize the phenomenon is largely an American one. "Most marketing today is global," says Dennis Jorgensen, CEO of the American Marketing Association. "And around the world, middle classes are getting larger, not smaller."
And not everyone agrees that America is splitting into two separate markets. "It's an oversimplistic way of looking at a market," scoffs Jorgensen. "There's more at work in the marketplace than to say that some people are getting richer and some are getting poorer."
Others doubt that two-tier marketing is a new concept. "Back in the '60s and '70s, we used to call this market segmentation," says Joyce Gioia, president of Herman Associates, a Greensboro, North Carolina, marketing and management consulting firm. "It's really not that revolutionary."
There's no question that a marketing strategy based on two tiers carries some risk. First is the possibility that you'll choose the wrong tier to market to. "If you try to do something that's not in keeping with the way people perceive your business, it can have catastrophic effects," warns Gioia.
Adding tiers or simply repositioning your product can also be costly. Designing, developing and producing new products is expensive, says Stewart. You will probably also have to invest in retraining your employees so their attitudes and levels of service match the new niche, he adds.
"Any time you differentiate your product, you're going to add costs," Stewart says. "You've got to figure out whether the increase in business is going to be justifiable."
Double The Options
The rise of the middle class in the middle of this century presented a huge opportunity to firms that developed products or services designed to fulfill common needs. Now that the trend appears to be reversing and markets fragmenting, it complicates matters--while offering a new opportunity for those who recognize it.
There's no question about which way Mike Helgeson sees it or which tier he's attacking. Gold'n Plump just came out with pre-marinated chicken breasts that come in an upscale package and carry a premium price.
"Our new products are targeted to consumers who are willing to pay for the added convenience and added value," says Helgeson. "And we're going to do more to target that segment of the market."
Contact Sources
American Marketing Association, 250 S. Wacker Dr., #200, Chicago, IL 60606, (800) AMA-1150
Gold'n Plump Poultry Inc., 4150 Second St. S., #200, St. Cloud, MN 56301, (320) 240-6289
Herman Associates Inc., (910) 282-9370, http://www.herman.net/joyce
Roper Starch Worldwide Inc., 4299 MacArthur Blvd., #105, Newport Beach, CA 92660, (714) 756-2600, ext. 128
Saatchi & Saatchi Advertising Worldwide, 375 Hudson St., New York, NY 10014-3658.
Mark Henricks is an Austin, Texas, writer specializing in business topics.


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Ireland, John (1827–1896)
John Ireland, governor and legislator, son of Patrick and Rachel (Newton) Ireland, was born near Millerstown, Kentucky, on January 21, 1827. He served for several years as constable and sheriff of his home county, began to study law in 1851, and was admitted to the bar in 1852. He established himself at Seguin, Texas, in 1853. Ireland, mayor of Seguin in 1858, was a delegate to the Secession Convention in 1861; he voted for secession. He volunteered as a private in the Confederate Army in 1862 and advanced to the rank of lieutenant colonel. He was stationed on the Texas coast at the end of the war.
He was a member of the Constitutional Convention of 1866 and served as district judge in 1866–67. He was removed by Philip Sheridan as an "impediment to Reconstruction." Ireland was elected to the House of the Thirteenth Legislature and to the Senate of the Fourteenth Legislature. As a legislator he opposed granting lands and subsidies to railroads, his work against the grant to the International-Great Northern Railroad winning him the sobriquet "Oxcart John." He served as associate justice of the Texas Supreme Court from 1875 until the Constitution of 1876 reduced that body from five to three judges. He was unsuccessful as a candidate against Richard Coke for the United States Senate in 1876 and against Gustav Schleicher for the United States House of Representatives in 1878.
Ireland was elected governor of Texas in 1882 and again in 1884. As governor he continued somewhat Oran M. Roberts's economic policy, although he reversed policies for the rapid sale of public lands and the state's purchase of its own bonds at high prices. He urged a persistent enforcement of criminal laws and reduced the number of pardons. His administration was marked by the Fence-Cutting war of 1883 and strikes by the Knights of Labor in 1885 and 1886. He worked to develop state institutions and to protect state lands. During his terms the University of Texas was established, and the cornerstone for the Capitol was laid. It was Ireland who insisted that the building be made out of pink Texas granite rather than imported Indiana limestone. In 1887 Ireland lost to John H. Reagan in a contest for the United States Senate.
He married Mrs. Matilda Wicks Faircloth in 1854. After her death in 1856, he married Anna Maria Penn in 1857. He had three daughters and later adopted his daughter's son, Patrick Ireland Carpenter. Ireland was a Mason and a Presbyterian. After his retirement from the governorship, he practiced law in Seguin until his death, on March 15, 1896.

subset: commoncrawl


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On behalf of all of us at SchoolFamily.com, please accept our warmest holiday wishes. We hope that this winter break over the holidays affords you and your children some extra time together, to play, learn, and simply be in one another's company—with no homework to nag the kids about!
As the New Year begins, you can count on SchoolFamily.com to bring you timely, thorough, and practical ways to help you help your children succeed in school—academically, socially, and emotionally.
Until then, here's a terrific read about helping your kids be grateful and find happiness amid the materialism of the holidays. And if you're among those who are looking to the New Year as a fresh start at school for your kids, this story may be of special interest to you.
Best wishes and happy holidays to all from SchoolFamily.com!
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Peer Pressure / School Cliques


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Hello!! It's been a while. We have so many amazing, new arrivals! We have been working around the clock to bring you the best of the best! We will slowly be adding to the Spring collection throughout the month.
We hope you are all having a wonderful February! Hopefully we will see you back here more often.


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I am trying to figure out a possible formula in Excel that can match similar characteristic. For example, I have two columns, Column "a" & "b". Column "a" has 300 cells with various number and alpha characteristic (ie. A596). Column "b" has 1000 cells with again various number and alpha characteristic but column "b" may have subtle differences in the number/alpha scheme(ie. 0A596, @A596). I would like the formula to return a matches of these subtle differences, so column "a" character "A596" matches/finds 5 similarities in column "b" (ie. 0A596, @A596, A596R, #A596, AA596).
Any suggestions would be great appreciated,
Let's say you start with this in A1:B10:A B 1 A596 0A596 <-- 2 R4345 3 A596R <-- 4 #3214 5 AA596 <-- 6 4564T 7 @A596 <-- 8 3E3E3 9 #A596 <-- 10 @345f
If you Select B1:B10 and use this Rule in Conditional Formatting, cells B1, B3, B5, B7 and B9 will be highlighted, as noted by the arrows above.
Click Here Before Posting Data or VBA Code ---> How To Post Data or Code.
For a simpler formula use:


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Tagged with curators
Short Preview of Lift12 by the Lift Team. We took the challenge of describing the conference in less than three minutes, and we failed! But really it is a condensed, action packed preview of what to expect on Feb 22-24 2012 in...
This work by Lift Conference is licensed under a Creative Commons Attribution-ShareAlike 2.5 Switzerland License.


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Ranked Top 100 of Everyday Bordeaux 2016! This powerful and young wine expresses jammy blackcurrant and blackberry aromas on a very intense nose that reveals notes of leather and lots of spice, with well-integrated oak. Round, rich and powerful, displaying a fine balance between oak and fruit with a touch of blond tobacco on the finish. Attractively long on the palate, this is a harmonious wine with good ageing potential.
Varietal: Cabernet Franc, Cabernet Sauvignon, Merlot
Vol: 750ml


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Turmeric oral spray is perfectly suitable for children aged 3 years and above. For children under 12 years of age we recommend halving the dosage, as their daily supplementation need is lower than that of an adult.


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The 67th annual Conference on World Affairs is bringing the world to Boulder for for a free-for-all of free programs this week — but there are also plenty of free activities in Denver, where you can test your cultural knowledge, look deep into a painting and geek out with the best of them. For more options, check the Westword calendar — and use the comments section to let us know if we missed any bargains.
Return of Music & Movie Trivia at Sie Film Center (7:30 p.m. Monday, free)
Trivia night at the Sie may be free, but it's not easy. So before you get in the game, you'll want to study up on all things obscure: Polish movie posters, facts about U2 when it was still kind of cool. Winners get swag; everyone has fun. Click here to get trivia updates and ask questions.
One Painting at a Time: Joseph Hutchison, PH-295, 1938 at Clyfford Still Museum (1 p.m. Wednesday, free)
A statistic is often thrown around that people look at an artistic masterpiece for thirty seconds. The Mona Lisa, "Starry Night" and "Girl With a Pearl Earring" — on average, they each get just a half-minute of a person's attention. There are 825 paintings in the Clyfford Still Museum and with this program's help, they are all going to get at least an hour in the spotlight. Reflect on PH-295, 1938 with Colorado poet laureate Joseph Hutchison for a full sixty minutes today. Register here to claim your seat.
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Nerd Music Night at Deer Pile (9 p.m. Thursday, free)
Is metal the nerdiest music around? Most metal is about some kind of fantasy world battling demons, which makes it the perfect focus for Nerd Music Night. Local nerd acts H2Awesome and Daenerys & the Targaryens will host an evening filled with songs about time-traveling TV shows and jokes about wizards, Batman, Dothraki and Hobbits.


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|Head Coach
|Alma Mater:
|10 Years
A two-time national collegiate champion, a highly-successful professional player and a talented coach, Ian Crookenden enters his 10th year as the director and head coach of the women's and men's tennis programs at Saint Joseph's.
Coming to Hawk Hill in August of 2008, Crookenden has quickly transformed the Saint Joseph's tennis program into one of the up-and-coming clubs in the region. Crookenden has switched the focus of SJU's schedule to a year-round format, adding several invitationals and the ITA Regionals to the slate. In addition to the scheduling upgrade, he also helped spearhead the SJU Tennis Complex at the Maguire Campus.
In his first season at Saint Joseph's, Crookenden helped the Hawks surpass expectations, finishing tied for 11th at the Atlantic 10 Championships. Despite not having a full roster for most of the season due to injury, he guided four Hawks to double-digit victories. Jhennifer Kedzierski and Krysta Contino's 12 wins apiece tied for the seventh most in a single-season at SJU, while Maggie Mullaney's 10 wins at No. 2 singles was the second most in a year in that flight.
The 2009-10 season saw Saint Joseph's continue to excel under Crookenden as Kedzierski and freshman Casey Robinson became the first set of Hawks in decades to compete at the ITA Regionals. Kedzierski would go on to finish her career second all-time in program history with 42 singles wins, 26 of which came under Crookenden's guidance. Additionally, SJU tied for 11th place at the Atlantic 10 Championships, with several Hawks challenging the higher-seeded opponents in earlier matches.
Fighting through an injury-ravaged season last year, the Hawks still had several standout performances under Crookenden's guidance, highlighted by Robinson becoming just the third Hawk to garner Atlantic 10 All-Conference honors. Robinson, Mullaney and freshman Devi Jadeja all capped the year with double-digit singles wins that finished amongst the top-10 in program history.
Competing with its most talented squad in recent years, the 2011-12 team posted its most wins in five years and had several standout individual performances throughout the season. Behind a record-setting 23 singles wins from Robinson and 32 combined wins from the freshman trio of Aurora Davis, Kelly Mulquin and Lauren Roy, the Hawks won nine matches in total. Individually, Robinson became the first SJU player in team history to earn A-10 All-Conference honors multiple times as she garnered First Team accolades. Additionally, Kate Dowd added her name to the SJU record books, finishing with the third-most wins at No. 6 singles with 10.
Backed by A-10 All-Conference honorees in Robinson and Davis, Saint Joseph's posted a 13-11 overall record in 2012-13, setting the single-season mark for wins in the process. Additionally, Robinson, Davis and Mulquin, Roy and Michele Vona all set new career-records for wins, while Robinson and Davis tied for the most wins in a season with 25.
The Hawks reached new heights in 2013-14, setting a record for victories as they posted a 16-8 mark and advanced to the Quarterfinals of the A-10 Championship. Along the way, Davis garnered All-Conference honors, while Kelly Mulquin and Arianne Polatnick finished in the top-10 for singles wins in SJU history.
Davis led the charge for SJU in 2014-15 as she established herself as one of the most decorated Hawks in program history, capping her career as the all-time leader in singles wins (82), while garnering A-10 All-Conference honors for a record third straight season.
Led by a veteran squad in 2015-16, the Hawks finished the season on a strong note. Highlighted by junior Claire Minnoe's All-Conference honors, SJU had multiple individual successes as senior Arianne Polatnick finished her career tied for sixth all-time in career singles wins (43) and classmate Kristina Eisenbrand tied for 10th all-time (36).
Backed by a youtful lineup, the Hawks surprised opponents in 2017-18. Freshman Amanada Nava captured the SJU Invitational First Singles title and went on to earn Atlantci 10 All-Conference First Team accolades, while newcomer Laura Gomez earned the SJU Invitational Second Singles Consolation crown.
Prior to Hawk Hill, Crookenden began his collegiate coaching career at Wake Forest. Starting in 1984, he served as head men's tennis coach and indoor tennis club director at Wake Forest University for 12 seasons. Playing in the competitive Atlantic Coast Conference, Crookenden posted a 160-180 record and helped nine players earn All-ACC honors from 1984 to 1996. In just his third season, Crookenden coached Christian Dallwitz and Marco Lucioni to No. 4 and No. 6 ACC Singles Flight titles - just the fifth and sixth Demon Deacon players to have done so at that point. In 1988, Crookenden earned another first in Wake Forest program history as he coached the doubles pair of Dallwitz and Mark Greenan to All-American honors. After guiding the pair to the ACC No. 1 Doubles Flight title, Crookenden lent his experience to the duo as they surprised the field and advanced to the semifinals of the NCAA Doubles Championships. Adding to his stellar coaching streak, Crookenden's ability to recruit on an international level shined in 1990 as Frenchman Gilles Ameline became the first Demon Deacon to compete in the NCAA Singles Championships and earn All-American honors.
One of the top players in the illustrious history of UCLA tennis, Crookenden was a standout from 1965 to 1967, helping the Bruins to the NCAA title in 1965 and second place in 1966 and 1967. As a rookie, Crookenden made a major impact with his new team, helping UCLA to an 11-0 overall record and the national championship. Teaming with the legendary Arthur Ashe, the pair claimed the fifth NCAA doubles title in program history. The following season, Crookenden became just the second player in UCLA history to claim two NCAA doubles titles. Teaming with Charlie Pasarell, the duo earned the sixth national doubles title for the Bruins. Serving as captain in 1967, Crookenden earned his third straight All-American accolade, leading UCLA to a 12-2 mark and a runner-up finish at the NCAA Championships.
Following his collegiate career, the New Zealand native excelled as a professional player, competing at the sport's highest levels: Wimbledon, the U.S. Open and the French Open. Crookenden was also selected to New Zealand's Davis Cup team five times. Stepping away from the collegiate game following the 1996 season, Crookenden took over as director of tennis at the Philadelphia Cricket Club in 1997 and remained there until the summer of 2008. While there, he ran the boys' and girls' International Junior Grass Court Championships.
An active member of the United States Tennis Association and the United States Professional Tennis Association, Crookenden was recognized for his collegiate accomplishments in 1997 as he was inducted into the Intercollegiate Tennis Hall of Fame. A contributing author of two guides published by the USPTA, he currently resides in Blue Bell, Pa., with his wife Dianne.


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Variables are used to store information that you will be able to call later on. This information can be pretty much anything from units to players, passing by regions, orders, sounds, and much much more.
To create a variable, right click the left area in the Trigger Window, go to New, then New Variable (Ctrl + B). Now you need a type, a name, and sometimes a value or configure it to be an array.
Variables Basics
Writing to a variable is as simple as making a new action, and choosing the option that first comes up, which is 'Set Variable'. When setting a variable, the editor will automatically populate the list with reasonable things to put into it.
When reading a variable, conditions vary. Bringing a unit to a location can also be done by bringing a variable to a location, if the unit is inside the Unit variable. Even math can be done, in the math section of the conditions list, to variables containing numbers and can allow you to do more things in only one trigger.
Local Variables
A Local Variable is a variable that you will only be able to use within the one trigger that contains it.
Global Variable
A Global Variable is used to transcend the boundaries of the triggers, thus allowing you to use it anywhere. They are created on the left-tree, where triggers and folders are listed.
Arrays are extremely useful and time-saving when you learn to use them properly. They are used to store different information into the same variable. Let's say you have a Variable that you want to change based on what different players do, but you don't want the changes one player makes to affect the variable for another player. By checking the box next to "Array" and setting the size to the amount of players in your game, you can then link to whateverVariable[1] and have that specifically be for Player 1's triggers, then set up whateverVariable[2] for Player 2, and so on. Of course this also isn't limited to something as simple as that. Arrays are most helpful when you just want to keep your variables organized and minimal rather than having to create a ton of variables that serve a similar purpose.
A Constant "type" variable is one that you will not be able to change. You set its initial value, and it'll always stay as it is.
Variable Types
- Ability Command
- Actor
- Actor Message
- Actor Scope
- AI Filter
- Animation Name
- Attribute ID (Game)
- Attribute ID (Player)
- Attribute Value
- Bank
- Boolean
- Byte
- Camera Object
- Chat Bubble
- Cinematic
- Color
- Conversation
- Conversation Reply
- Conversation State Index
- Dialog
- Dialog Item
- Difficulty Level
- Doodad
- Integer
- Leaderboard
- Marker
- Mercenary
- Mission Archive
- Model Camera
- Objective
- Order
- Ping
- Planet
- Player Color
- Player Group
- Point
- Portrait
- Purchase Category
- Purchase Group
- Purchase Item
- Real
- Region
- Research Category
- Research Item
- Research Tier
- Revealer
- Sound
- Sound Link
- String
- Target Filter
- Text
- Text Tag
- Time of Day
- Timer
- Timer Windows
- Transmission
- Transmission Source
- Trigger
- Unit
- Unit Filter
- Unit Group
- Unit Type
- Water
- Wave
- Wave Info
- Wave Target


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Get Mopar® Connect services
Are you interested in having Mopar® Connect services in your car?
When you configure your Alfa Romeo, Fiat, Fiat Professional, Jeep, Lancia or Abarth vehicle, check that the model selected has Mopar® Connect as an optional.
Services can be activated at Authorised Dealerships. When you collect your car, the Dealer will guide you through the first phase of registration. You will then receive an email allowing you to complete activation and access a world of services!
Stay connected to your car, all year round!
If you purchase a vehicle with Mopar® Connect, you have a year of services included, valid as of the vehicle's warranty start date.
After a trial period of 12 months, you can choose whether to renew the services for another year. For more details about the renewal process, talk to your Authorised Dealership.
Find your car in an instant, open and close the doors using your smartphone, receive assistance in the case of need. Discover the full range of services and how to activate them.


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Men's Le Chameau Chasseur Fourree Wellington Boots – 43cm calf
Product Code: 025926
- Description+
The Men's Le Chameau Chasseur Fourree Wellington Boots are the perfect choice to complete your country attire when the weather starts to get cooler. Constructed from the highest quality Chamolux™ rubber, you are sure to love the highly flexible, durable feel. Designed to offer the upmost warmth, the boots have been fully lined in super soft 100% natural wool, ensuring that the wellington's will insulate up to -10 degrees, for added wearability. These iconic boots are ideal for whether you are heading onto tricky terrains, or simply enjoying a country stroll, boasting a Kevlar® reinforcement panel to the front, to offer extra protection against abrasion and tears for that hard wearing feel. The Chasseur Fourree Boots also boast a Riri Aqua heavy-duty watertight full length zip and a press stud tightening strap, allowing you to put on and take the boots off with ease, as well as offering a secure fit. The wellingtons have been constructed with Le Chameau's Anti-Fatigue Technology, incorporating a shock-absorbing, insulating outsole, with a Kevlar® reinforced shank plate to support the arch of the foot and reduce fatigue, to keep you walking for further for longer. Finished with signature Le Chameau branding for that touch of style and mark of quality excellence, the Chasseur Fourree Wellington Boots have been hand-made by a master boot maker, so you can be sure that the upmost care and attention has been taken to produce these fantastic boots.
- Features +
- Chamolux™ rubber outer
- 100% natural wool lining
- Insulates up to -10°
- 43cm calf
- Riri Aqua zip and snap button fastening
- Zip from the top of the boot down to the heel
- Kevlar® panel to the front
- Kevlar® reinforced shank plate to support feet and reduce fatigue
- High natural rubber content for flexibility and comfort
- 2 year manufacturing guarantee
- Hand made by a master boot maker
- 100% waterproof
- Recommended accessories+
Select the product size and colour (above) to view currently accessories.
- Delivery & Returns +
We offer FREE UK economy delivery on any order over £35 containing at least one full price item. Standard UK delivery is charged from £3.95 and Express delivery (next working day) from £8.95. International delivery rates vary depending on the weight of items ordered and the delivery service chosen. Total delivery costs are displayed below when items are selected and also on the basket page. Default prices shown are for UK delivery, please select alternative delivery destinations on the basket page or login to your account to see relevant international prices.
Select the size and colour (above) to view currently available delivery options for this product.
Express - Next working day delivery (order before 3pm) Standard - Delivery within 5 working days Economy - Delivery within 7 working days
Our satisfaction guarantee enables you to return any unsuitable items to us for exchange or refund within 28 days of receipt. If possible we would prefer discounted or sale items to be returned within 7 days of receipt.
Please see our returns policy for further details.


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With a handy tip off from a certain newspaper and a quick search on google maps, we were alerted to an old railway line that until now, never knew existed!
Tag Archives: underground
Charing Cross Station
There's a first time for everything and this comes in the form of a permission visit to the disused Jubilee line platforms at Charing Cross with Hidden London.
Air Raid Shelters
Returning from another location and giving up on numerous en route, feeling tired and cold we decided to stop at a rumor of air raid shelters.
SRHQ 4.2 Regional Government Bunker
UPDATE!! February 24, 2016 (Scroll to the bottom!)
After hearing rumours of this place undergoing works I thought I would go see what was going on as I was in the area. On approach my jaw hit the floor with the horrors of what used to be Sovereign House, it's gone! Is it wrong to feel slightly emotionally attached to a bunker that kick started my love for urbex when I was a kid?


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Brake Failure: Emergency Tips
Having your brakes fail while you are driving is a dangerous and horrifying experience, especially when you are traveling on an interstate highway or other high-speed roadway.The National Safety Council has these tips for coping with brake failure:• At the first sign of trouble, try not to panic. Instead, work your vehicle into the right lane and then toward the shoulder or, if possible, towards an exit. If it is necessary to change lanes, do so smoothly and very carefully, closely watching your mirrors and the traffic around you.• Remember to use your directional signal to indicate your intentions to other drivers. When you reach the right lane, turn on your emergency hazard lights.• Let the car slow down gradually by taking your foot off the gas pedal. Simply steer as your vehicle slows and shift the car into a lower gear to let the engine help slow the car.• Once off the traveled roadway, shift into neutral and gradually apply the hand brake until the vehicle stops. If that brake has also failed, direct the car onto a soft shoulder or rub the wheel against a curb which will help you slow down. Get the car off the roadway and to a safe place to avoid stopping traffi c or being involved in a rear-end collision.• When safely off the road, put out flares, warning flags or reflective triangles beside and behind your vehicle to alert other drivers; keep your emergency flashers going.• Raise your hood and tie something white to the radio antenna or hang it out the window so police officers or tow truck operators will know you need help. Don't strand behind or next to your vehicle; if possible, stay away from the vehicle and wait for help to arrive.• All interstate highways and major roads are patrolled regularly. Also, some highways have special "call-for-help" phones and, of course, if you have a CB radio or cell phone you can call from your vehicle.• It is inadvisable to walk on an interstate. However, if you can see a source of help and are able to reach it on foot, try the direct approach by walking, but keep as far from traffic as possible.A final caution: Do not be tempted to drive your vehicle, no matter how slowly, without brakes! Call for help to get your disabled vehicle towed and then have the brakes repaired by a qualified mechanic.Related Links:Brake Maintenance: 5 Warning SignsBrake Maintenance: Checking Brake FluidBrake Maintenance: Checking and Replacing Brake LinesBrake Maintenance: Bleeding Your BrakesBrake Maintenance: Inspecting and Replacing Discs and Brake Pads
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Click on the Newsletter TAB, & download the April, May, June PDF file.
All physicians, chiropractors, other health care professionals, and payers that submit HIPAA transactions will be required to use ONLY the 5010 transactions as of January 1, 2012. That's just about 90 days away. In order to meet this deadline you should have already made software modifications and be well into testing. If you are not ready, you risk claim rejections and interrupted cash flow.
This also applies to those who electronically submit administrative transactions, such as checking a patient's eligibility, filing a claim, or receiving a remittance advice, either directly to a health insurance payer or through a clearinghouse.
Now if this sounds like a gibberish or something you just don't have the time to worry about and you are already an OnPoint client then you don't need to worry. OnPoint is pleased to announce that we are on schedule to have all 5010 ready payers in our network by the end of October! You do not have to engage in payer testing as that is being performed on your behalf. So when you hear your colleagues talk about testing or worrying about compliance - well you can just say, "I don't have to worry about it because OnPoint is taking care of it for me".
Key target dates include:
OnPoint Clients we got you covered!
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Click here to view past events and photos »


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Learning to Live Namaste
The most important relationship a person has is with Source Energy. The Divine Nature, the I AM that resides within you. The honoring of the Divinity that resides within not only ourselves, but in each individual, will govern all of our thoughts, beliefs, and actions. It is the beginning of an awakening to our true nature.
Some will refer to this as the "God in Christ Within" or the Divine Spark. The eternal part of your Being. The part of Us that has lived several lifetimes before. The part of Us that originated from Source. Our Soul Nature has to do with our Breath Life and is more closely aligned with the Ego and earthly connections. But we are more than our earthly connections. We are more than our family roles and genetics. We are more than our professions. We are more than the roles we play in society. These roles have shifted dramatically throughout our past lives and often within our current one.
We are eternal creators descended from Source Energy. We came here to create. Alignment with Source Energy is what allows us to create deliberately, intentionally and on a large scale. We do this through Law of Attraction. Law of Attraction, like gravity, is a natural and impersonal law. It operates whether you are consciously aware of its mechanics and applications. As creators, operating in a realm where we are beginning to understand the nature of Law of Attraction, it is more important than ever to connect to our inner core.
Delphi is famous as the ancient sanctuary and the seat of the oracle that was consulted on important decisions throughout the ancient classical world. The name Delphoi comes from the same root as delphys, "womb" and may indicate archaic veneration of Gaia at the site. Carved into the temple were three phrases: and the first being "know thyself". The town and the Oracle of Delphi came into relevance around 7th century BC. As far back as history has been recorded we are urged time and time again that the beginning (womb) of all Knowledge starts with the journey of the self. The acknowledgment of our divine nature, the acceptance that we are a part of All That Is, are essential for our well-being, self-actualization and growth.
If you tend to that relationship, first and foremost, you will then, and only then, have the stable footing to proceed into other relationships. Your relationship with your own body; your relationship with money; your relationship with your parents, children, grandchildren, the people you work with, your government, your world… will all fall swiftly and easily into alignment once you tend to this fundamental, primary relationship first.
Excerpted from: The Vortex on August 31, 2009
In the Blog post Paupers or Princes? I spoke about how worthiness is innate and eternal. Worthiness is an expression of your Divine Nature. It is the acknowledge of the Self that says, I am a part of something greater than my physical expression. Worthiness is not Entitlement. Entitlement says, "You owe Me." Worthiness says, "I am."
It is only when we can integrate the truth of our Divine Nature and our connections to Source Energy, that we can begin to recognize the same in others. Honoring the sacredness and equality in everyone will open your energy to awe-inspiring spiritual growth, renewal, and manifested blessings. The living expression of Namaste.
Xoxo Jodie Hart
Hop on a Discovery Call with me and let's see Where Your Abilities are Taking You http://bit.ly/2IwDf1v
Join My Free Group: Worth, Wealth & Alignment http://bit.ly/2y0nKwE


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I tag LAUREN, my soon to be sister-in-law! Not that you ever read this blog, but if you hear about this through the grapevine and get a minute from your ever-busy life, I am forever regretting not playing the "ask the new person 300 questions" game when I met you. I also encourage more than 6 facts if you can think of them. :)
Saturday, November 3, 2007
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There's a country blues, Mississippi Delta and bluegrass air about the songwriting style of big-voiced Scottish blues singer and guitarist Andrew Robert Eustace.
He's also a musician who can command quite the presence in both full electric band and solo acoustic formats, the latter taking front and centre acoustic stage with songs like 'The Man' and 'Broken Down and Beat' (from 2017 debut album 'Stories'), or when delivering vibrant acoustic covers such as 'Crossroads.'
Additionally, Andrew Robert Eustace's genuine passion for those authentic blues genres puts him an album cut or five above the pastiche or "in homage to the style norm," proven by the quality of new songs such as 'Blues Kind' and 'Don't Cry One Tear,' both of which which will feature on second album 'Different Sides' (an apt title, given it offers up both full band and acoustic numbers).


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What Would I Tell My Younger Self?
Each day in May a prominent individual will speak to his or her younger self about growing up with a mental health or learning disorder. #MyYoungerSelf shares messages of hope and courage as part of the Child Mind Institute's Speak Up for Kids public education campaign. It's time to end the stigma. Help us Speak Up by sharing these stories.


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Dear Valley Foundation Scholarship Committee,
I would like to express my appreciation for your generosity in awarding me a second year scholarship. I am honored and grateful for this award. Thank you very much for this honor. This fall, I will continue my education at Allan Hancock College with the intent of transferring to UCSB once I have met all of my general education and prerequisite requirements. I have recently changed my education goal, and I am currently studying to become an environmental scientist. I would especially love to become an environmental scientist for the California State Parks where I currently volunteer and where I am currently employed. Your generosity is helping me to achieve my goal through your financial support which is helping me to purchase my books, supplies and tuition. Your scholarship has given me the resources to assist me in continuing my education. I cannot express my appreciation enough. I look forward to someday making the difference in the lives of your youth by teaching them the importance of preserving, protecting and restoring our environment and natural resources for future generations to enjoy. I also look forward to inspiring them to do something good for their community in similar ways that I have done.
Thank you again for this scholarship. I am looking forward to continuing my education this fall and awaiting the many opportunities that the future holds.
Parker Grand
Allan Hancock College
2nd Year Scholarship Recipient
Dear Santa Ynez Valley Foundation,
It is with much appreciation that I write this letter, as your generous second year scholarship has been of enormous benefit to my college education over the past year. I am currently pursuing a career in the Fire Service and graduated this past Spring semester from Allan Hancock College's Firefighter I Academy. From this program I received an outstanding education as well as certifications that will be beneficial in my future. Before I attended the Fire Academy, I was fortunate to successfully pass Allan Hancock College's Emergency Medical Technician Academy where I obtained my EMT-B license. The next step on this exciting journey involves four final classes I will be taking to receive my Associate's of Science degree in Fire Technology at Allan Hancock College, beginning this Summer semester and continuing into the Fall semester. Taking these classes and obtaining the experiences I have would not have been possible without your support and this scholarship program, and I am grateful for all that this foundation has done. Once again, thank you for reestablishing access to my remaining scholarship award and I look forward to future contact with you!
Best regards,
Jacob Segal
Allan Hancock College
2nd Year Scholarship Recipient
Dear Anne and the Foundation Board,
I cannot thank you enough for giving me a scholarship for the second year in a row. My journey to The Juilliard started last summer with my solo concert that could not have happened without your help. My first year at The Juilliard was tough and challenging, but I didn't let myself give up. I know how much others have helped me and given of their time and resources to get me where I am today, so how could I give up? Over the course of the year, I made close friends and many memories that I will cherish forever, from walking through Central Park to walking to the Freedom Tower from Julliard (which I might add is not a walk for the faint of heart). I ended up getting all A's and one B and holding down a job as a lead usher around the school and Lincoln Center.
I am currently at a summer program in upstate New York called the Chautauqua Institution. We have orchestra concerts almost every week with chamber music concerts interspersed throughout. I cannot wait to go back to Juilliard and show my teachers what I have learned. Again, thank you very much for believing in me and helping me reach my dream. Of the many things that I have learned through music, I believe the most important is building people up, not tearing them down. This is what makes a successful musician. The world needs more builders, and I am happy to say, your foundation is also a dream builder.
Best Regards,
Claire Satchwell
The Julliard School
2nd Year Scholarship Recipient
Dear Santa Ynez Valley Foundation,
I would like to sincerely thank you for supporting my college dreams once again, by awarding me a Honorarium Scholarship. I intend to continue to use it appropriately. It will enable me to buy various textbooks that are essential to my learning, as well as pay for other necessities, such as housing. Both are imperative to my success.
I will continue to attend UCLA in order to study communications. I am doing this in the hopes that I may one day become a public speaker that can inspire others. Thanks in part to your generous donation, I am confident that my goals will be reachable. I am humbly honored to have been a recipient of your prestigious award once again.
By awarding me the Santa Ynez Valley Foundation Scholarship, I will be able to concentrate on what is important for me: my education. Your financial aid will allow me to be one step closer to my goal. I am confident that one day my peers and I will be able to give back to our amazing community just as you have done.
With gratitude,
Dominick Trevethan
University of California, Los Angeles
3rd Year / Honorarium Scholarship Award
Santa Ynez Valley Foundation,
I would like to personally thank you for supporting me and championing me as I enter this next chapter of life. I cannot express how truly grateful my family and I are to receive this award and financial help. It is because of you that I get to follow my dreams and get a college education, begin a journey full of new opportunity, and start my life. Thank you for believing in me, thank you for blessing me, and most importantly, thank you for seeing something different in me. You have touched my life in ways more than you could know and I am so thankful for your support not only financially, but also relationally. I cannot wait to update you with my latest endeavors, and see the world with new eyes. Thank you again, you have truly blessed me.
Best Regards,
Hayli Carleton
Azusa Pacific University
1st Year Scholarship Recipient
Dear Santa Ynez Valley Foundation,
Thank you very much for choosing me as a scholarship recipient. I am so grateful to be continuing the path to my dream. I'm excited to start college, and I know that I couldn't do it without the amazing support from you. I hope to finish Foothill College in two years and transfer to San Jose State, where I will get my Masters in Communication Sciences.
Thank you again for your generous support.
Leanna Zamora
Foothill College
1st Year Scholarship Recipient
Dear Mr. Nagler and Board of Directors,
Thank you for giving me a scholarship. Your scholarship is helping me attend the University of British Columbia next year as a freshman in the Bachelor of Science Program. Without your support, I would not be able to study at my dream school. After I complete my undergraduate degree, I want to go to medical school to become a doctor.
This summer, I am working at the Santa Ynez Pet Hospital, babysitting, pet sitting for multiple families, and auctioning Livestock at the 2018 Santa Barbara County Fair as a youth exhibitor with the Santa Ynez 4-H. All of the money that I earn from these jobs and projects is going into my college savings. I am extremely grateful for everything you do for students like me, and I cannot wait to start the next chapter of my life in Canada.
Anna Scheck
University of British Columbia
1st Year Scholarship Recipient
Dear Mrs. Christensen and the Santa Ynez Valley Foundation Scholarship Committee,
Thank you so much for providing me with a scholarship. I am truly grateful because this money will greatly help my family pay for my tuition at Cornell. I will not squander the opportunity that you are giving to me!
Thanks again,
Wyatt Meyer
Cornell University
1st Year Scholarship Recipient
Dear Valley Foundation,
Thank you so much for awarding me this scholarship! I am super excited to start my college career at California Polytechnic State University this fall as a Graphic Communications major. The money that you are granting me is going to significantly help when it comes to funding my education. Just in case you were wondering what I am looking forward to doing in college…. I am considering joining the Mustang Drum Line as part of Cal Poly's marching band. I am also considering trying out for the club baseball team as a pitcher, seeing as I was one of my team's starting pitchers in high school. Other than that, I am excited to join some activities that I have never done before, such as choir, an intramural basketball league and I'd even like to try writing a book in the near future.
Once again, thank you so much for the help with funding my educational aspirations.
Ben Moore
California Polytechnic State University
1st Year Scholarship Recipient
Dear Valley Foundation,
Thank you for your generous scholarship. I am honored to be thought of as one who deserves this award. It is meaningful to receive a grant from my hometown when there were so many other qualified applicants. I am pursuing an art degree at Cal Poly San Luis Obispo. Expanding my artistic skills in the classes that I will be taking this year is something that I am excited about. I have already invested in painting and drawing, but soon I will be learning about digital art, photography and sculpting. My dream of working in the art industry grows closer and closer because I am able to attend this program. My parents are older and both self-employed, and it will be difficult for them to pay for my college. It brings me relief to contribute to my education through rewards for my hard work – such as your scholarship.
Thank you again,
Jena Nelson
California Polytechnic State University
1st Year Scholarship Recipient
Dear Valley Foundation Scholarship Committee,
I would like to express my appreciation for choosing me as a recipient of a Santa Ynez Valley Foundation Scholarship. The award that was bestowed upon me will be tremendous in reducing the financial burden that comes with attending a four-year university today.
In the fall, I will be attending San Diego State University and look forward to completing a Bachelor's degree in History. At the university, I plan on becoming involved on campus in multiple forms. First, I aspire to fulfill the prerequisites to become a member of the Beta Kappa chapter of Phi Alpha Theta history honor society. To do so, I will work to stay in the top 35% of my class, maintain above the minimum GPA requirement of 3.0 overall and 3.1 in History, and complete the 12 semester hours of history classes required for membership eligibility. Also, I intend to join the university's running club to continue pursuing my athletic goals. As of now, I hope to pursue a career in teaching after graduating from San Diego State. Without your generous contribution, that dream and all I plan to do would have been much more difficult to follow.
Again, thank you for your generosity in awarding me this scholarship. I will use it to become the very best person I can be.
Shane Schooter
San Diego State University
1st Year Scholarship Recipient
Dear Anne Christensen,
I am one of the applicants who has accepted your generous scholarship, and I would like to start with saying that your support has changed my life. My perspective on life has shifted, and I have been inspired to help others. I would like to dedicate my life to helping others and performing acts of kindness. I am also inspired to be a better citizen and always be considerate of others. As I start college at San Francisco State University as a chemistry major in the Fall, I will always remember the support and motivation you have provided. Receiving scholarships will not only help with finances, but scholarships boost my motivation to keep trying ant to never give up. When I applied for this scholarship, I wrote my personal narrative straight from my heart with all my personal hardships, experiences and victories. I thank you for considering me and choosing me for this scholarship. I will strive for my dreams in the medical field and helping others who need it the most. I will not only help those who are less fortunate, but I will continue to spread love and generosity. One of my life goals is to return to the Santa Ynez Valley and contribute to my community that I have known my whole life and start a scholarship of my own. Again, I will remind you how much I appreciate your support and I thank you for your support in my education.
With gratitude,
Nancy Duong
San Francisco State University
1st Year Scholarship Recipient
Dear Santa Ynez Valley Foundation,
Thanks to the help from your wonderful and generous foundation I have had an incredible first year at college. I have met so many new people who will be life long friends. I have joined several different clubs and participated in many school functions. I have had such a positive experience at each school I have attended. Santa Barbara City College was a great transition period getting me ready for my spring semester at Pepperdine. At SBCC I found a new passion for art history which inspired me to apply for the Pepperdine abroad program in Florence. I also joined the SBCC Improv troupe and made new friends, but mostly got closer and stayed connected to my great friends from high school. Moving to Malibu and going to Pepperdine University was a fantastic experience. I joined the club tennis team and have competed against other universities in California. I joined Pepperdine's sketch comedy web show and have met many talented and hilarious people. I participated in step forward day, a day to give back to our community at large. A couple of classmates and myself drove to The Kingdom Center, a home for mothers in need and their children. We did some work for them around their property and found a true appreciation for the lives we were given. When I graduate I hope to enter a field where I can take what I learned not just in school, but through campus experiences I have had around school to make a difference in the world. I hope to have a career in the comedic field whether it is writing, acting or representing comedy. Then I can give back to my community and change the world with laughter. Thank you for considering me as a second year scholarship recipient. With my brother and I both in college at the same time, any monetary assistance available is appreciated immensely by my family and myself. I treasure the variety of educational experiences I am receiving. Thank you for helping to make this dream possible for me.
Sincerely yours,
Brooke Darling Redell
Pepperdine University
2nd Year Scholarship Recipient


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Ashton Kutcher Reads the Torah
There's something that connects Ashton Kutcher and Natalie Portman other than acting: Judaism. Kutcher isn't Jewish, but it's no secret that the Hollywood star is interested in Kabbalah.
Portman and Kutcher star in the romantic comedy No Strings Attached (directed by Canadian Ivan Reitman). They recently sat down with USA Today to talk about the movie and Portman, who was born in Jerusalem, revealed that she learned quite a lot from her co-star about Judaism.
"Ashton has taught me more about Judaism than I think I have ever learned from anyone else," Portman, who's just been nominated for a second Academy Award, told the newspaper. "Ashton's a very serious student of Kabbalah and Judaism. He knows a lot. When we had the funeral scene (in No Strings Attached), that was a Jewish funeral. He was able to read all the Hebrew. It's very impressive."
In the interview, she says that Kutcher reads the Torah on Saturdays.
The actor has been studying Kabbalah for years and back in 2009, he told the audience at GQ magazine's The Gentlemen's Ball that his best friend is rabbi Yehuda Berg, founder of the Kabbalah Center.
Kutcher and his wife, actress Demi Moore, have visited Israel a number of times. Back in October of 2010, the actor attended and spoke at the Bezeq Expo in Israel and tweeted the message, "Sharing Love & Light while in Israel."
Round one to the Chinese Government.
Prime Minister Stephen Harper�s recent visit...


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Canstar has done the research and put together a recipe that could help you on your mission to buy a home.
This home-buying recipe features key ingredients and a method to help get you into that new home as soon as possible.
Purchasing your dream home might be made a little easier with these key steps:
- A good budget, with a breakdown of your income and expenses, to determine what you can afford.
- The right home loan for your situation, one that offers outstanding value for you in terms of interest rates, fees, features and more.
- The perfect house or unit, which is within your price range and includes all the fixtures and fittings you need for your household's lifestyle.
- A plan to buy the house, including whether you buy via private treaty or auction and if the price and conditions of the property sale contract are right.
- A pre-purchase strategy, including pre-purchase inspections, formal loan approval and a plan for the settlement period.
- A happy and responsible post-settlement.
Now you know what the key ingredients are for buying a house, it's time to work out how to use things like a solid budget or a pre-purchase strategy to get you closer to owning that home. Found a home already? Read our checklist of things to look for when buying a house.
Step 1. Determine your budget
A home loan will probably be the biggest debt you'll ever have, so it's important to take the time to figure out your finances and set up a good budget.
This step is key, regardless of whether you're fresh to the market as a first home buyer, or you're a seasoned property investor chasing your next buy.
If you've never created a budget before, there is no need to be nervous. To find out how to write a budget and reach your savings goals simply check out this article.
When planning your budget, keep in mind you shouldn't expect to make mortgage repayments of more than 30% of your gross income (this is mortgage stress zone).
There is also the need to consider how your household would make repayments if you plan to have kids any time soon.
Your borrowing power will depend on a few factors, such as your income, expenses, how much interest you pay and the length of the loan. If buying a new property for the first time, you may be eligible for a First Home Buyers Grant.
It is important to save more than what you think you'll need for a deposit, because you will most likely come across various added upfront costs such as a loan application/establishment fee, stamp duty, inspection fees, legal costs and home and contents insurance.
Also keep in mind that once you're approved for a home loan, there may be fees charged to you.
Step 2. Find the right home loan for your situation
If you want to buy a home, you'll need to find a home loan that offers outstanding value for your particular financial needs. At this stage of your house-hunting mission, you can try to make the whole process a lot easier and quicker by applying for pre-approval on your home loan.
Also known as conditional approval or approval in principle, the home loan pre-approval process is when your bank conditionally approves you for a loan of up to a certain amount before you make an offer to buy a house or unit. Most banks can offer pre-approval for three to six months if they deem you eligible, which takes some of the stress off your search.
If you do decide to go down this route, you'll have the added benefits of knowing exactly how much you can afford to spend when looking at houses and could make a serious offer on a home on the spot if you wanted to.
Choosing a home loan can be a bit overwhelming, having to take into consideration so many factors that could affect your repayments – like fixed versus floating, interest rates, features, term of the loan and fees.
Step 3. Start house hunting
Once you have a bit of an idea of your budget, and potentially a pre-approved home loan or at least an idea of the type of home loan you need, you can really get stuck into the search for your new house.
Of course, this search will depend on whether you want to build or buy and if you are hunting for a house, farm, townhouse, unit, duplex, fixer-upper, or investment property.
With an idea of your borrowing power, it will be easier to make a shortlist of suburbs that fit your price range. But you will also want to take into consideration things like:
- The convenience factor of the property (is it close to facilities that are important to you?)
- The layout of the house and features included (if you are buying an existing property)
- Any general concerns about the area (flooding risks, noise levels, demographic information)
Concerns about issues like local flooding or noise can usually be answered by doing a little of your own research, or simply by chatting to people living in that area. House hunting websites like Realestate.co.nz and Property Value by CoreLogic, among others, have helpful tools to learn more detailed information about suburbs you could one day call home.
Step 4. Buy the home
You are now at the stage where it's time to start making offers on properties that you like. There are two main ways to buy a house or unit – via private treaty or at auction.
If you choose the private treaty (private sale) option, this means the purchase of the house will be negotiated either directly with the seller or through their real estate agent. Ideally, you should go into price negotiations after you have already gathered the information to have a good idea of property prices in the area.
You will usually have the chance to inspect the property again after making an offer, so if you or your lawyer notice that something is wrong after you have signed the contract, you may still be able to cancel the contract within the cooling-off period (see Step 5 for more information).
An auction is very different to a private treaty. Because auctions can be quite intimidating and they do not offer a cooling-off period, it's a good idea to visit a few first just to see how they work.
If you do end up going to an auction with the intent of making a bid:
- Ensure your lawyer has viewed the contract of sale before the auction
- Go in with a set price limit
- Have a personal or bank cheque on the day to make a deposit if you are successful (usually needs to be at least 10% of the purchase price)
A few other handy tips when buying a house:
- You don't want to be duped into paying more than the house is actually worth. Check the price of the house is right by searching for the property's sales history online or consult a professional valuer.
- Check the contractual conditions of the property are right, but be aware that sellers are less likely to accept an offer that comes with a long list of conditions. The seller may make a counter offer if your price is what they want, but the conditions don't suit them.
- Pay close attention to the little things like plumbing and electrics when you're inspecting a home, whether it's your first inspection or your last pre-settlement inspection. For more information on things to pay attention to when buying a house, check out this article.
Step 5. Enter the pre-settlement stage
Now you have signed the contract for your new home, it's time to turn that conditional pre-approval into a formal loan approval. Most lenders will get you to sign home loan documents in person and may also ask you to take out home building insurance (if you are buying a house or townhouse).
After signing the contract, you are now in the cooling-off period where you check if anything is wrong with the property and can still change your mind. Over this period, you should:
- Get the relevant inspections done by licenced professionals: building, pest, and termite
- Check compliance of the property with local council by-laws: extensions to the property, fences and pools
- Have your lawyer check the inclusions you expected are listed in the contract, and change the contract if they are not: inclusions like stoves, light fittings and blinds
- Know the terms of settlement: find out when the balance of money is due and the date you can take possession, and phone your lawyer the day before settlement to check everything is sorted and ready to go
On settlement day, you will likely send a lawyer to attend on your behalf who meets with the seller's lawyer. They will notify the seller's real estate agent when the settlement is complete and let you know you can now pick up the keys and get into your new home.
Step 6. Enjoy post-settlement (responsibly)
You're a home owner – congratulations! The house hunting is finally over and you are moving into your new home. Take a sigh of relief.
While you have just made a very expensive purchase, the bills are only just beginning. Any new home owner needs to keep earning and saving because any extra funds can now go towards your monthly mortgage repayments.
To save on interest over time, some institutions will allow you to make repayments more frequently, such as on a fortnightly or weekly basis rather than monthly.
Other bills will also start popping up, because home ownership will inevitably come with unexpected expenses as the years go on.
So as well as your usual savings, it's a good idea to set up an emergency fund in an interest-earning savings account to cover you for the unexpected, such as if your fridge stops working and needs to be replaced.
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Man charged over attack on Toowoomba mosque
TOOWOOMBA detectives investigating the alleged wilful damage of a mosque in Toowoomba have charged a man.
Police will allege that on May 16 about 5pm graffiti was sprayed on the outside of the building.
A 26-year-old Victorian man has been charged with one count of wilful damage and is due to appear in the Toowoomba Magistrates Court tomorrow.
- Police keep watch on social media for mosque fire culprit
- Attack on Toowoomba mosque is an act of terror
- Attack on mosque is an attack on Toowoomba
Detectives continue to investigate two suspicious fires which occurred at the premises on January 23 and April 17 and encourage anyone with information to contact Crimestoppers.
Anyone with information which could assist with this matter should contact Crime Stoppers on 1800 333 000 or at crimestoppers.com.au.


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Search the Community
Showing results for tags 'force close'.
Found 3 results
when I listen to songs and delete the recent app list (including the Poweramp) the music suddenly stops itself, this happens sometimes but not always.
Poweramp crash/bugs
redlith posted a topic in Bug Reportsi'm using Poweramp v3 build 796 in lollipop 5.0 stock rom, x86,intel procie. here are some bugs i noticed and went to crashed the app. -after the album is finished playing..queuing cause the app to crashed. or if only i play 1 song and its finish.. it crashes while a random song is playing in the background. --on the above problem, swiping from lockscreen ui also tends to force close the app whenever the queue is done. -music fx long press option. not working. nothing more. i like the improvements done on this version versus earlier version..it displays now elements correctly..looking forward for latest release. go on for the development..keep it up!
Random Force Closes
Abrego39 posted a topic in Poweramp v2 Discussion (Legacy Version)First and foremost: HTC One M8 Viperrom 2.2.0 Poweramp Build 2.0.9- build-561-play (full version) I noticed this issue last night and thought it was ROM related but flashed to a different ROM today and I am continuing to have the same results but with a more varied degree. Original occurrence began last night, playing a game and listening to music at the same time. Have been able to do this for months with Poweramp with no side effects. Poweramp began to Force Close. Stopped listening to music, and power cycled device, and same results. I tried playing just the music on internal memory in case it was a ext-SD card issue and same thing happened.I also unistalled and reinstalled, cleared cache/dalvick, and force stopping clearing app cache/data. no luck Today flashed VenomRom and was running the setup of the device and began to get Force-Closes without the app even playing. Randomly would get a force close issue when texting and or browsing settings. Decided to test out Poweramp with the same game (Pocket Mine) and listening to music, and Poweramp would force close. What is weird, is that after crashing, after a few moments, the app info would pop back up in the system status bar. Not sure what information you would need on top of this, but please let me know so we can get this issue resolved. EDIT: I believe the issue was a corrupt SD card. Will report after a full day use of the app


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Federal judge rules 'Orwellian' NSA program 'likely to be unconstitutional'
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A federal judge in Washington DC has ruled that the NSA's collection of American telephone records is likely to violate the US Constitution. Judge Richard Leon made his ruling on Monday in the most significant legal development this far in the Snowden scandal. He described the NSA data collection program as 'almost Orwellian' and went so far as to say the James Madison, who drafted the first ten amendments of the constitutions would be 'aghast' at the government's behaviour.
His ruling came in a case brought by two private citizens, Larry Klayman, a lawyer, and Charles Strange, father of an NSA employee killed in Afghanistan. His decision has been put on hold pending an inevitable appeal, but the reverberations were already being felt. The case is now set to go to the federal court of appeals, and could conceivably go all the way to the Supreme Court.
"Given the limited record before me at this point in the litigation – most notably, the utter lack of evidence that a terrorist attack has ever been prevented because searching the NSA database was faster than other investigative tactics – I have serious doubts about the efficacy of the metadata collection program as a means of conducting time-sensitive investigations in cases involving imminent threats of terrorism."
"Plaintiffs have a substantial likelihood of showing that their privacy interests outweigh the government's interest in collecting and analysing bulk telephony metadata and therefore the NSA's bulk collection program is indeed an unreasonable search under the fourth amendment," he wrote.
Edward Snowden welcomed the judge's opinion as a vindication of his decision to expose the NSA program. He may have needed some good news after a glimmer of a potential amnesty for him was snuffed out by White House spokesman Jay Carney, although if NSA actions are ultimately and definitively deemed illegal, his legal status in the US may have to be re-evaluated.
The news came as a blow for the NSA shortly after they conducted a bizarre and clumsy attempt at PR through CBS's 60 Minutes program, a journalistic embarrassment for the network that their credibility may struggle to recover from.
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Sponsored by NATO's Joint Forces Command HQ Brunssum
Two Kite runners waiting
Photo by Eric Sutphin of the United States of America.
Contest entry A0110
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Allied Joint Forces Command HQ Brunssum is a NATO headquarters in Brunssum, the Netherlands. It is directly subordinate to SHAPE, the Supreme Headquarters, Allied Powers Europe, and provides oversight to the International Security Assistance Force, in Afghanistan.


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New! Cutting-Edge Culinary Arts Camp
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"My son enjoyed working with Lisa! She is patient and so creative! After each class, he was very excited to tell me about a new technique he learned and about the ingredients he used. While students work on the same dish, they each get to put their individual mark on it, such as selecting flavors, colors, and decorations. Whenever I arrived to pick my son up, all of the children were actively engaged and excited to show their creations, which they got to take home. Sometimes, they even made enough to share with the family. My son can't wait to return when the next series is offered!"


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Personal budgets
Personal budgets are a means of enabling people with health and care needs to take more control over the management of their condition and to have more choice over the way in which their needs and outcomes are met.
The NHS Mandate
Includes an objective that "patients who could benefit should have the option to hold their own personal health budget as a way to have even more control over their care".
Personal Health Budgets "right to have" guidance
Guidance on the "right to have" a Personal Health Budget in NHS Continuing Healthcare and Children and Young People's Continuing Care.
The Care Act
Requires everyone eligible for social care support has a personal budget, including carers:
Everyone counts: Planning for Patients in 2014-15 to 2018-19
Describes NHS England's ambition for the years ahead and its ongoing commitment to focus on better outcomes for patients.