text:
Payday Loans Pennsylvania

Payday Loans
  • LOANS UP TO $ 5000
  • FAST AND DISCREET LOANS Loans Pennsylvania
Last Updated 26.09.2021

Payday Loans in Pennsylvania PA Since Way of Financial Assistance

Cash is a pressing force associated with modern society. We depend on it and its volume in our daily existence. It really is challenging to find a good adult person who hasn’t got a lender account or does not use credit charge cards. However , sometimes we could find ourselves without the money at all of. The financial situation on the globe is not necessarily that stable in order to rely on paychecks and trust banking institutions.

Exactly what do people perform after they run out and about of money? Several lend them by friends; others select to market things they don’t need. But what can a person do any time non-e of the particular above is the option? Such scenarios, Pennsylvania payday loans could be a secure and legitimate solution to be able to your problem.

You should not be afraid of acquiring a mortgage from a credit service. Such financial action is legitimate nowadays. You can not even imagine just how many people fixed their troubles applying payday loans Pennsylvania no credit check. Generally, the term of the loan could stretch from in order to four weeks. This is why this kind of financial expert services never perform with big sums of money. On the other hand, customers have got in order to repay their own bad debts fully if the pay day comes. This is one way such businesses job. Remember that a person will pay some sort of charge, which can end up being around 15% of your personal loan.

So , in the event that an individual find yourself got destroyed and have simply no concept where you should get money from, believe regarding getting Pennsylvania payday loans now. This can be a serious wise decision when you don’t desire in order to experience any cash trouble. Actually if you are certainly not quite experienced within this financial issues field, we a new guide to recognize how this method performs.

Payday Loans Pennsylvania Zero Credit Check: Just how Functions?

Before you think of getting Pennsylvania payday loans online, make one thing crystal clear. This sort of credit is instant. This choice indicates of which clients need not pay a visit to banks and send a lot associated with paperwork to employ for a financial loan. Just ignore collecting inside several blanks together with paperwork and also completing in countless kinds. This kind of financial expert services are based on offering clients along with loans from personal, direct lenders. Another option can be making use of unique internet websites that will gather creditors and look regarding suitable clients that need money and want to get finance online.

Remember that the sum of the initial payday loans is just not while large just like the long-time installment breaks. Most commonly, clientele borrow from 500 to 1000 money. The utmost loan you may take from our service is $2500, while $100 is the minimum amount. This sort of limits are determined by the characteristics with the 24 hour payday loans Pennsylvania PA regulations allow. Most customers are engaged men and women who only get loans when that they are in need. Usually, their revenue allows these to get financial loans which has a situation associated with returning all of them on the payday. That is why such loans will often be called ‘fast. ‘

A substantial interest in credit services has often been disturbing feasible customers. The degree of fascination differs in one service to another. However , within the case with short-time credit, it generally is usually 400%. This type of shape may seem massive. However , don’t neglect that our company is not necessarily dealing with big installments that need to be paid back for a long time. Online payday loans Pennsylvania PA function in a completely different way. Typically the fee is better, nevertheless the term associated with a loan will be smaller. So , regarding instance, if a person get a financial loan associated with $300, a person will have in order to pay some thing all-around $330. In this instance, your current feet may become approximately $15, which in turn is not a large sum for this type of loan type. Typically the system is well balanced and very reasonable as it works well since its beginning.

So what do You Need to Remember Before Applying intended for Pennsylvania Payday Loans?

As you made your current mind about having Pennsylvania payday loans online, is actually time to advance in order to direct actions. In the event that you’ve certainly not addressed payday loans, we develop a unique manual for you. We hope that will be useful plus save a person plenty of time.

Why Our Payday Loans Pennsylvania Online Are the particular Best?

Probably a mere thought like ‘I need a loan immediately’” brought that you our service. Still, we include quite a logical explanation of why so lots of people confidence us within fixing their financial complications. We are well-experienced and even qualified, and we appreciate the determination of our customers. Our advantages usually are:

  • Applying for some sort of mortgage with all of us completes in about five a few minutes.
  • You can be certain involving obtaining a quick and immediate authorization of your bank loan.
  • With our payday loans Pennsylvania, no credit check is necessary.
  • The means of bank loan application is improved, fast, and simple.
  • We support the clients and propose to her them 24 hour payday loans Pennsylvania restrictions allow.

Precisely what Sort of Men and women Commonly Apply to get Payday Loans?

In the event you are definitely not really into cash loans online, this is normal to feel doubts about getting them. There is a great assumption that only guys get loans by credit services. Within reality, quite some sort of considerable percentage regarding US citizens endure financial complications everyday. Having a banking account or a secure work with regular income is no lengthier a conviction in this nation, but instead excellent fortune. Also, do overlook that unexpected scenarios can happen anytime with anyone. It is good to possess a service that may give a person some money till you get your current next paycheck. Inside a broader sense, funding money through good friends and siblings is equivalent to getting a payday loans. Also, mind that will nothing of your relatives is ever going to know that you were inside financial trouble.

In What Conditions You may Need Easy Payday Loans Pennsylvania PA Offers?

Online loans can easily become a helpful tool for solving a whole group of various troubles. Nevertheless , you will need to settle your personal debt in full once you get your following salary. So , that is really a good option to use this kind of service in situation:

  • You are afraid to be able to spoil your credit history and be afPAicted by your bank.
  • You have an opportunity to come back your debt on time.
  • Your need to get money will be urgent and can’t be delayed.

What is necessary for the Payday Loans Application Method?

As it is pointed out above, a payday loans is a tiny money advance. Throughout this light, the variety of persons who can get them is quite vast. If you will be of legal grow older and possess a stable income, you could turn into one of our clients. As for the set of paperwork you need, these are the following:

  • Your government-issued ID
  • A document proving your home
  • Documents coming from your work with all of us to be mindful you have your salary to pay again your debt

Remember of which since all deals now are done on the web, we still cannot provide you with payday loans Pennsylvania no examining bank account privilege. A person happen to be to have a savings account to make use of our service.

What to Perform If You Are Ready for Payday Loans in Pennsylvania PA?

Since all credit companies follow the identical set of guidelines, the required procedure is fairly fast plus straightforward:

1 . Collect and upload all the required paperwork.

2 . Make an effort to remain online until you get approval.

several. Get the required sum to your current credit card.

some. Pay back all the money on time and move in with the life.

Will The Terrible Credit History End up being a Problem While Getting a Loan?

According to Pennsylvania guidelines, we all cannot check your own financial conditions and credit record with a payday loans. Your own bank will not really be engaged throughout the means of obtaining a loan. You are able to surely get payday loans Pennsylvania no credit check.

Choosing Reliable Payday Loans Lenders

Current rules and laws built almost all financial solutions the very same. The particular procedures they perform along with the limits of loans are nearly equivalent. Even this kind of an aspect as typically the proximity associated with service to your house is no longer of any importance. No a person thinks now ‘If this service is definitely near me, after that I shall visit it. ‘ The ‘near’ parameter is just not considered to always be the one particular. The only point that has significance now could be the particular fees you are to pay after coming back again your debt. We recommend you in order to check this matter first when you choose the credit service. In the end, there is definitely a difference in between paying the particular minimum of 10 dollars in every borrowed hundred or going together with the maximum charge of 30%. Nevertheless, typically the average 15% option is the most common one.

24 Hour Payday Loans Pennsylvania PA Terms of Employ

We highly suggest you believe more than how you will certainly repay your personal loan. You need to think about this issue ahead of applying for just a payday loans. This system regarding credits has the peculiarities:

  • You no longer need to offer us with assets, so your property is just not be arrested.
  • Private credit companies avoid charge their debtors with extra interest.
  • Rollovers are banned nearly in every single Pennsylvania from the PEOPLE.
  • If debtors will not pay, a legal action could be submitted towards them.

Finally, pay day loan Pennsylvania regulations imply getting only one quick personal loan in a time.

Pennsylvania Payday Loans Online & His or her Advantages

Considering that a person not any longer need to look for online advertisements just like ‘payday financial loans Pennsylvania near me personally, ‘ let’s talk regarding what advantages these types of credit types can easily bring you.

  • No credit check insurance policy will allow you to help make a new bad credit story much better, or if you financial institution is usually not involved in the method of getting a new new loan.
  • You pays for your own other loans which often you’ve taken ahead of, to avoid costs.
  • All of the actions mentioned previously mentioned is going to be private, and no one is ever going to know that you used our own service.

Responses to the Clients FAQs

Normally, the way in which we work seems in order to be basic and understandable. The payday advance loans Pennsylvania PA system offers helped thousands involving people to get out of complicated lifetime situations. If you have more questions about typically the means of obtaining a new loan or perhaps you are usually still within uncertainty, look through the particular listing below. We collected the most well-liked questions that our customers have.

Do Most of On the net Payday Loans Pennsylvania Function Likewise?

Just about, of course, and it also is definitely to the best. Most credit solutions abide by a similar arranged of rules. This helps optimize their do the job and simplify financial loans for the individuals. All the may be different will be the sum appealing this particular or that service has.

Is a Suit Because involving Checkmate Payday Loans Pennsylvania PA Achievable?

Yes, needless to say. If a person are unwilling to pay back the sum of your loan, financial service will attempt in order to get it back through justice. This issue isn’t a joke, therefore cases happen often. On this web page, we recommend you to check your own financial circumstance prior to getting a bank loan. Think over typically the possibilities of finding money to give it in return before you decide to get that loan.

Is usually This Allowed to Have Payday Loans from Various Businesses at As soon as?

Well, this is not forbidden; nevertheless , we still cannot provide our recommendation meant for doing and so. On the other hand, credit services avoid usually check their customers’ company accounts just before providing the mortgage. On the other hand, typically the a lot more loans an individual get, the even more money you will certainly have to give back. This may guide you to a challenging situation that could end with a new lawsuit. That is, all of us advise you for being careful with receiving multiple loans.

Are There Any kind of Pennsylvanias Where Rollover remains Lawful?

Luckily, today rollover is restricted in most Pennsylvanias over the ALL OF US. Skidding is often a mortgage off shoot process whenever borrowers just pay the volume of interest to get a long time, together with the principal loan continue to unpaid. Fortunately, this type of scheme has turn into a thing of yesteryear. Need to deal with have to worry stepping into that capture.

May A person Advise The most effective Payday Loans in Pennsylvania PA Service?

It is difficult in order to apply the term ‘best’ to financial services. The situation with the US laws controlling such companies single the way they function into a solitary regular. The decision intended for one of the most appropriate credit service depends on you. Most of us suggest you check out every carrier’s amount of attention. This will likely help you to save some cash upon fees of which should always end up being repaid.

What exactly Do I must Acquire a Loan?

Our requirements are very minimal. You possess to be at least 18 plus possess US nationality. Furthermore, we need docs from the work that will prove your own secure income. This particular data is required in order to simplify the process of giving in addition to returning loans.

Do You Demand a Full Record associated with Expenses out of your Customers?

Not any, we don’t. Once you receive your financial loan, you are cost-free to spend this on whatever you want. Our business can be not curious in checking the clients’ expenses.

Apply for instant payday loaninPennsylvania
Apply for instant payday loan
Apply for instant payday loan
in Pennsylvania
Find your city
Payday Loans are offered in following city:
show all
Apply Now

Applying does NOT affect your credit score!

No credit check to apply.


Content-Type: application/http; msgtype=response

WARC-Identified-Payload-Type: text/html

WARC-Type: response

text:
Castaway                 Beauty

                                                            in Ducklington, Witney

                                                   Escape, relax and unwind....

My Blog

view:  full / summary

Posted on 12 May, 2013 at 4:47 Comments comments (58)
The feet can be thought of as mirroring the body and so the organs and glands etc. can be mapped onto the feet. The left foot mirrors the left side of the body and the right foot reflects the right side of the body.

Posted on 12 May, 2013 at 4:38 Comments comments (0)
The feet - 'the very roots of our being'
Holistic is a term derived from the Greek word 'holos', meaning 'whole'.
Reflexologists treat the whole body; they do not generally work on one specific organ or system. They treat the symptoms and also aim to treat the cause. They aim to restore balance and harmony to the whole body, taking into account the individual's mind, body and spirit.

Indian head massage

Posted on 6 May, 2013 at 11:42 Comments comments (64)
Headaches caused by tension and stress seem to be an inevitable part of modern life. Painkillers may block the 'pain messages' and relieve the pain, but massage tackles the problem at its source - relaxing the tense muscles that cause the problem.
- Narendra Mehta
'He who realises the truth of the body can then come to know the truth of the universe'
- Ratnasara
'The ostrich burying its head in the sand does at any rate...convey the impression that its head is the most important part of it.' - Katherine Mansfield

Castaway beauty

Posted on 12 April, 2013 at 8:26 Comments comments (31)
'A happy mind is medicine; no better prescription exists.' Ancient proverb

Indian head massage

Posted on 11 April, 2013 at 3:53 Comments comments (38)
'When the breath is steady,... so is the mind...' - Hatha Yoga Pradipika
'Regular (head) massage helps people work better. Absenteeism through stress would drop immediately if everyone had a massage at least once a week'. Daily Mail
'Regular head massage is wonderfully relaxing, enhances the health of the scalp and promotes the growth of lustruous hair'. The Observer

Castaway Beauty

Posted on 11 April, 2013 at 3:33 Comments comments (65)
Castaway - (definition in Cambridge Dictionary) A person who has escaped from a ship that has sunk, and managed to get to an island or country where there are few or no other people.
Castaway (wikipedia) A castaway is a person who is cast adrift or ashore. While the situation usually happens after a shipwreck, some people voluntarily stay behind on a deserted island, either to evade their captors or the world in general.
Throw or cast away, "Put away your worries"

warcinfo:
isPartOf: CC-MAIN-2021-39
publisher: Common Crawl
description: Wide crawl of the web for September 2021
operator: Common Crawl Admin (info@commoncrawl.org)
hostname: ip-10-67-67-177
software: Apache Nutch 1.18 (modified, https://github.com/commoncrawl/nutch/)
robots: checked via crawler-commons 1.2-SNAPSHOT (https://github.com/crawler-commons/crawler-commons)
format: WARC File Format 1.1
conformsTo: https://iipc.github.io/warc-specifications/specifications/warc-format/warc-1.1/


text:
Ladies’ Rival Tech Fleece Full-Zip Hooded Jacket

Ladies’ Rival Tech Fleece Full-Zip Hooded Jacket

A welded mesh texture joins solid tech fleece for a state-of-the-art look that also performs with moisture wicking and snag resistance.

Embroidery Options:

1. Catalina//Yachts

2. Catalina//Yachts & Your Boat Name

3. Catalina diamond & Your Boat Name

4. Catalina diamond only

5. Boat Name only

6. No Logo

  • Only enter your Boat Name if you chose option 2, 3 or 5.
  • Only enter your Boat Size if you chose option 3 or 4.
  • Boat Name will be printed exactly as is typed below using either ALL CAPS or mixed Upper and Lowercase Letters.

Size *

Color *

Embroidery Thread Color (Boat Name)

Boat Name (Option 2, 3 or 5)

Font (Boat Name)

Boat Size (for Options 3 or 4)

100% polyester debossed mesh texture ● 100% polyester double-knit sleeves and hood ● Tag-free label ● Gently contoured silhouette ● Three-panel hood with drawcords and toggles ● Taped neck ● Headphone holding loops at neck ● Front and back princess seams ●  Elongated cuffs and hem ● Raglan sleeves ● Reverse coil zipper with reflective zipper pull ● Side pockets ● Self-fabric cuffs and hem

Embroidery thread color will be changed at our discretion if the color chosen will not be seen.

Please note that all personalized items are individually made to order and may take up to 4 weeks for delivery. U.S. Postal Service delivery times apply once the product is shipped. International delivery times may vary depending on country and shipping carrier.
Weight 1 lbs
Dimensions 2 × 2 × .75 in

There are no reviews yet.

Be the first to review “Ladies’ Rival Tech Fleece Full-Zip Hooded Jacket”


text:
120 Credit Hours

At Carolina University, our Psychology undergraduate programs offer a comprehensive curriculum which results in a solid foundation of valuable knowledge about working with people and organizations, and understanding oneself. Both the BA and BS program requirements are structured to fall in line with the 5 goals of the American Psychological Association, thereby ensuring a solid foundation in the major areas of Psychology. CU's program is distinct because of a wider variety of elective courses accepted for the BA program, and the inclusion of global and leadership requirements for the BA and the BS programs.

Critical thinking and problem solving skills prepare students to enter the workforce after a Bachelor's degree in a wide variety of work settings (counseling, law, business, social work, advertising, criminal justice system, and more). Our programs also provide a strong foundation for those who wish to continue their education in graduate school. Our Bachelor of Science degree emphasizes the scientific aspect of Psychology with training in statistics and research
methods. Our Bachelor of Arts degree is more flexible, in that the students may choose from a wide variety of Psychology elective courses to fulfill their hours of study for the program.

Program Learning Outcomes

  • Have a knowledge base of current theory, research, and practice in Psychology
  • Be able to approach problem solving with critical thinking skills and scientific reasoning
  • Demonstrate an understanding of ethical and socially responsible behavior in a diverse world
  • Demonstrate competence in written, oral and interpersonal communication
  • Apply psychological content to effective self-reflection and career preparation

Admissions Requirements

  • A high school diploma or GED
  • GPA of 2.0 or higher
  • Official transcripts from all previously attended schools
  • Completed application with Carolina University

Graduation Requirements

In order to become a candidate for graduation, a student:

  1. Shall have completed a minimum of 30 credit hours at CU;
  2. Shall have maintained a minimum academic average of C;
  3. Shall have passed all courses in his/her curriculum and made a C or better in key courses designated as essential in each program;
  4. Shall have completed at least 24 of the final 30 hours with Carolina University.


text:
Hollywood’s Sunset Studio to open new base in Hertfordshire

Hollywood’s Sunset Studios, which produced La La Land, Zoolander and the first in the X-Men franchise, has become the latest American film production house to adopt the lush Hertfordshire countryside as its primary base outside the United States.

Backed by £ 700 million from two major US investment firms, the TV and film studio complex will create more than 4,500 jobs on a brand-new 37-hectare (91-acre) site in Broxbourne, near the Arch of Los rival studio complexes northwest of London. known as the Hollywood of Great Britain.

The area is already home to the independent Elstree studios, where Paddington, the BBC’s Netflix series The Crown and Strictly Come Dancing are filmed, as well as the BBC’s own Elstree studio, which is home to EastEnders.

Sky is in the process of building a 13-acre studio complex in Elstree that will be home to the television group and NBCUniversal, which owns Universal Studios, the maker of The Fast and the Furious.

There is also a proposal from real estate developer Bidwells to create Hertswood Studio, a complex that includes 21 sets, production offices and a film training school, in nearby Borehamwood.

Warner Brothers Studios, where the third Fantastic Beasts Harry Potter spin-off film is currently being shot, is located in the vicinity of Leavesden.

Sunset is expected to be the UK’s largest television and film studio campus, with 15-25 soundstages contributing £ 300 million a year to the local economy, if planning is approved. The group currently owns three studios in Hollywood and announced plans for a fourth, Sunset Glenoaks, last week.

James Seppala, Director of Blackstone Real Estate Europe, which with Hudson Pacific Properties acquired the Broxbourne site, said the UK site would be “a world-class studio facility that will help ensure that the UK continues to be a premier destination. for content production “. Worldwide “.

Prime Minister Boris Johnson welcomed the project, saying it was “excellent news for the UK film and television industry”.

“The creative industries are at the center of our plans to rebuild better. This will be a hub for UK and international productions, showcasing local talent on the global stage, ”he said.

The development of Sunset comes amid increased spending on film and television production in the UK as a result of a combination of tax breaks and strong demand for new content created by the growth of streaming platforms such as Netflix, Amazon Prime and Apple TV.

Spending on high-end international film and television productions in the UK topped £ 2.34 billion in 2020, according to the British Film Commission (BFC), the agency responsible for attracting film and television productions.

While spending fell to a record £ 3bn in 2019, as many productions were suspended during the pandemic, the industry returned to growth in the final part of 2020.

The new investment came from blockbusters like Jurassic World: Dominion, which has been filming in Pinewood, west London, and Mission: Impossible 7, starring Tom Cruise, who has been filming at Longcross Studios in Surrey.

“One thing that has become obvious is that consumers’ appetite for film and television content has exploded,” said Adrian Wootton, CEO of BFC.

“Streaming subscriptions for companies like Amazon, Netflix, Hulu and Disney are getting bigger and bigger and the pandemic has accelerated it. People have short attention spans and are consuming more and more content. “

Wootton said the BFC expected demand for filming facilities in the UK to continue to grow due to that demand and ongoing government incentives, as well as the country’s established infrastructure, talent and skills base, particularly in areas such as special effects. He said the UK had also benefited from a strong reputation for health and safety measures during the pandemic.

To keep pace with demand, 2.3 million square feet of space will be needed for a new soundstage in the UK by 2033, according to a report by real estate consulting firm Lambert Smith Howard.

The developers have embarked on a land grab to secure sites and become home to the next production to rival Game of Thrones, The Crown or Harry Potter.

Pinewood, the UK’s largest studio and permanent home to the James Bond and Star Wars franchises, will double in size. Shepperton, owned by Pinewood, which has a long-term production contract with Netflix, is quadrupling in size.

About admin

Check Also

‘Only Murders in the Building’ is Steve Martin’s take on a Manhattan murder mystery

“Only Murders in the Building” might have been co-created by Steve Martin, but it has …

Leave a Reply

Your email address will not be published. Required fields are marked *


text:
Here is what people are saying about our CBD Teas!

Want to add you testimonial?  Send it to us @  www.cbdinfusedtea.com/contactus

A friend gifted me three of their teas and they are delicious.  I’m a big tea fan and have tried some very expensive tea before.  I have to say that the quality of One Love Tea is pretty good! It’s also nice that they are local.  Right now my current favorite is the Passion Fruit Green Tea cold.  It has great flavor! Looking forward to trying new flavors soon.

Katie –

These teas are beyond delicious and I feel amazing after drinking them. Every flavor is divine and the tea infuser bottle is PERFECT! Next purchase is the little leaf tea ball. The price is so good for such a high quality, loose leaf tea. If you can’t come in you should buy them online!

Kali –

Joanna is always courteous, helpful and generous with samples of their many delicious teas.  I have bought several types and everyone loves them!

Ariel –

I am a personal chef and i love to drink their teas all throughout my day to keep me hydrated in the kitchen! Their teas are so potent that you can reuse a single serving up to six times before throwing it away! Super hydrating and full of antioxidants and vitamins to get you through the day! Do yourself a favor and try their tea ASAP!!

Danielle –

I had a chance to try a few different teas at the Irvine crossroads farmers market and let’s just say some of the best tea I have had!  Can’t wait to buy some bags and brew some at home! The Farmers Market staff was so helpful and courteous.

Kevin –

          Love, Love, Love these teas!  I had not been able to sleep for the past year due to many health issues.  I have been using the Coconut Island tea and the Mango one for the past month and have actually slept through the night and woke up feeling great!  I don’t know what I would do without theses teas. Thank you so much!

        Maggie –

          My wife suffers from Fibromyalgia and it has gotten really bad lately.  My co-worker told me about theses teas and that it might help her. I ordered her a couple flavors as a surprise.  I kid you not the next morning she woke up without the moaning and crying that usually awakens her daily.  I will make sure to have this on hand for her always.  By the way she really likes the turmeric golden chai and raspbery.

       Happy husband, Robert –

        I’m not your typical “tea drinker” as I do love my coffee.  BUT, since I was diagnosed with cancer last year I wanted to make some changes and decided to look into all this CBD stuff I have been hearing about.  I stumbled across CBD tea and thought why not.  Now, I just cannot live without my daily cuppa of Peachy Ginger black tea every morning with a little almond milk.  I do feel better than ever and am in remission. (Yeah!)  Not sure where to give the credit since I do eat very healthy but this tea sure makes me happy!

        Mike –

      These tea are exceptional!  My whole family is drinking them and we always buy them for gifts.  I think we have tried them all now. 🙂

      Yvette –

       I just want to say thank you so much for these teas!  They have changed my life!

     Marcella, living with MS –

      I have met the owners Brian and Joanna at their shop and can’t say enough great things about what they are doing with these teas. CBD is a big part of my life and I don’t know where I would be with out it.  Thank you life!

      Daniel –

      So many flavors to choose from!  Every month it’s like pulling teeth with my wife to decide which one we want! 🙂

      Steve and Lily –


text:
Active Cases

Since 1966, CCR has pioneered daring and innovative legal strategies in pursuit of its mission to advance and protect the rights guaranteed by the United States Constitution and the Universal Declaration of Human Rights. Our work began on behalf of civil rights activists, and since then CCR has lent its expertise and support to virtually every popular progressive movement.

Our current cases reflects our unwavering commitment to progressive principles, people’s movements and human rights as well as our creative use of the law as a positive force for social change.

Updated: September 20, 2021
Updated: September 8, 2021
Updated: September 2, 2021
Updated: August 31, 2021
Updated: July 29, 2021
Updated: June 10, 2021
Updated: May 27, 2021
Updated: May 11, 2021
Updated: May 10, 2021
Updated: May 6, 2021
Updated: April 26, 2021


text:
Bishop John Stowe, OFM Conv.

  • Born April 15, 1966
  • Solemn Vows August 1, 1992
  • Ordained as priest September 16, 1995
  • Ordained and installed as bishop of Lexington, May 5, 2015

Bishop John Stowe, OFM Conv., was ordained as the third Bishop of the Roman Catholic Diocese of Lexington on May 5, 2015, succeeding Bishop Ronald Gainer who was appointed as Bishop of Harrisburg, PA in 2014.

Bishop John was born April 15, 1966 in Amherst, OH.  He attended grade school at St. Anthony of Padua Parish, staffed by the Conventual Franciscans, and Lorain Catholic High School. After a year of community college, Bishop John joined the formation program for the Conventual Franciscan Province of Our Lady of Consolation at St. Bonaventure Friary in St. Louis, MO. During the time of his candidacy he began studies in philosophy and history at St. Louis University and completed a Bachelor of Arts degree in each in 1990, after an interruption for his novitiate. He subsequently earned a Masters in Divinity and a Licentiate in Church History from the Jesuit School of Theology in Berkeley, CA.

Bishop John made his solemn vows on August 1, 1992, and was ordained to the priesthood on September 16, 1995.

Bishop John served in Texas as a pastor, Moderator of the Curia, and eventually as Chancellor for the Diocese of El Paso. In 2010, he was elected Vicar Provincial of the Province of Our Lady of Consolation and became Pastor and Rector of the Basilica and National Shrine of Our Lady of Consolation in Carey, OH.

On March 12, 2015, Pope Francis named him the third Bishop of Lexington.

Profile details


text:
Course objectives

The course gives the background for simple analytical derivation and numerical calculations for stochastic processes in discrete and continuous time as well as the application of Finite Element Methods to the solution of partial Differential Equations arising from Structural Engineering, Heat Conductions, Geomatic Engineering and Electrical Transmission Lines and using appropriate software tools e.g. MATLAB. Topics include Finite Element Discretization and the Direct Stiffness Method, Mathematical Formulation of Finite Elements, Computer Implementation of Finite Elements, Stochastic (Random) Processes and Estimation Theory.

The objectives are to develop a fundamental understanding of state-of-the-art finite element formulations and procedures, to develop an appreciation for the strengths and limitations of modern finite element methods and related software, to reinforce knowledge in solid mechanics with particular emphasis on nonlinear and dynamic problems, and to learn to utilize finite element methods as a research tool. Topics include finite element fundamentals and Weighted residual and finite element methods for the solution of hyperbolic, parabolic and elliptical partial differential equations, with application to problems in science and engineering. Error estimates. Standard and discontinuous Galerkin methods

The course gives the background for simple analytical derivation and numerical calculations for stochastic processes in discrete and continuous time as well as Estimation Theory

Detailed Course Content:

1.      Finite Element Methods  (30 Hours)

1.1   Finite Element Discretization and the Direct Stiffness Method :

The Direct Stiffness, Finite Element Modeling: Mesh, Loads, BCs, Multifreedom Constraints , Superelements and Global-Local Analysis

1.2   Mathematical Formulation of Finite Elements :

Variational Formulation of Bar Element, Variational Formulation of Plane Beam Element, Advanced One-Dimensional Elements, The Plane Stress Problem, Three-Node Plane Stress Triangles, The Isoparametric Representation, Isoparametric Quadrilaterals,                Shape Function Magic, FEM Convergence Requirements

1.3   Computer Implementation of Finite Elements:

Implementation of One-Dimensional Elements, FEM Program for Space Trusses, FEM Programs for Trusses and Frames, Implementation of iso-P Quadrilateral Elements, Implementation of iso-P Triangular Elements, The Assembly Process, Solving FEM Equations, A Complete Plane Stress FEM Program, Stress Recovery, Fitting Fields Over, Thermomechanical Effects

2.      Stochastic (Random) Processes  (09 Hours)

Definition; Characterization: Probabilistic Description, Expected Values and Autocovariance Functions

Classification: Stationary, Wide-Sense Stationary, Ergodic, Markov, Normal and Poisson Processes

Analysis and Processing of Stochastic Processes: Spectral Density, and Response of Linear Systems to Random Input,

3.      Estimation Theory (06 Hours)

  • Definitions: Estimators, Point and Interval Estimators Properties of Point Estimators
  • Types of Estimation: Estimation of a Distribution’s Unknown Parameter; Estimating the value of an inaccessible variable in terms of an accessible variable
  • Estimators: Maximum Likelihood Estimator, Bayesian Estimator, Mean Square Linear Estimator: Univariate Linear Regression; Orthogonality; Basic extension to Multivariate Linear Regression

Learning Outcomes

Students should be proficient in basics of Finite Elements Methods, Properties and Classification of Stochastic Processes, associated mathematically rigorous proofs, and some programming language.

The Students should be able to articulate the Properties of classical Stochastic Processes and how these are applied in the classification of the same.

Teaching and Learning Pattern

The teaching of students will be conducted through lectures, tutorials, short classroom exercises, case studies, group discussions among the students and projects aimed at solving real life problems. The lecture material will be availed to the students in advance to enable them have prior reading. Solving real life problems in each theme or a number of topics will enhance the students’ understanding of the problem based learning techniques.

Assessment method

Assessment will be done through coursework which will include assignments, class room and take home tests, project work and presentations and a written examination. Course work will carry a total of 40% and written examination carries 60%. Coursework marks will be divided into; Assignments 5%, Tests 10% and Practical/project Work 25%.

  1. Hwei Hsu. Probability, Random Variables & Random Processes. Schaum’s Outlines. ISBN 0-07-030644-3
  2. Carl W. Helstrom, 1984. Probability and Stochastic Processes for Engineers.  Macmillan Publishing Company, USA. ISBN 0-02-353560-1
  3. Papoulis. Probability, Random Variables & Stochastic Processes, 3rd Ed., McGraw Hill.
  4. Michel K. Ochi, 1990. Applied Probability and Stochastic Processes in Engineering and Physical Sciences. John Wiley & Sons, Inc. USA. ISBN 0-471-85742-4
  5. George R. Cooper, and Clare D. McGillem, 1999. Probobilistic Methods of Signal and Systems Analysis. 3rd Edition. Oxford University Press, Newyork, USA. ISBN 0-19-512354-9
  6. Yannis Viniotis. Probability & Random Processes for Electrical Engineers,McGraw Hill.
  7. J. Aunon, V. Chandrasekar: Introduction to Probability & Random Processes, McGraw Hill
  8. Venkatarama Krishnan, 2006. Probability and Random Processes (Wiley Survival Guides in Engineering and Science), Wiley-Interscience; 1 Edition. ISBN-10: 0471703540, ISBN-13: 978-0471703549
  9. Donald G. Childers, 1997. Probability and Random Processes: Using Matlab with Applications to Continuous and Discrete Time Systems. Richard D Irwin. ISBN-10: 0256133611, ISBN-13: 978-0256133615
  10. Leon Garcia, 1993. Probability and Random Processes for Electrical Engineering. Addison Wesley Publishing Company; 2 Sol Edition. ISBN-10: 020155738X, ISBN-13: 978-0201557381
  11. Roy D. Yates, David J. Goodman, 2004. Probability and Stochastic Processes: A Friendly Introduction for Electrical and Computer Engineers. Wiley; 2nd Edition. ISBN-10: 0471272140, ISBN-13: 978-0471272144
  12. Paul M. Kurowski , 2004. Finite Element Analysis For Design Engineers. SAE International, ISBN-10: 9780768011401, ISBN-13: 978-0768011401, ASIN: 076801140X
  13. Young W. Kwon), Hyochoong Bang, 2000. The Finite Element Method Using MATLAB, Second Edition. CRC Press.  ISBN-10: 0849300967, ISBN-13: 978-0849300967
  14. M. Asghar Bhatti, 2004. Fundamental Finite Element Analysis and Applications: with Mathematica and Matlab Computations. Wiley; 1st Edition. ISBN-10: 9780471648086, ISBN-13: 978-0471648086, ASIN: 0471648086

Attachment Name Attachment Type

EMT 7201 Advanced Engineering Mathematics

EMT 7201 Advanced Engineering Mathematics


text:
Register Login Contact Us

Cyber dating statistics in Australia

Horny Slut Wants Free Porn Chat Lonley Ladies Seeking Finding Sex

Cyber dating statistics in Australia

Online: Now

Over the past two decades there has been an increasing trend towards people using the internet and dating applications to meet Auustralia partners. While there are no official statistics on the number of Australians using online dating sites, with industry bodies claim that around 4.

Age: 29
Country: Aussieland
Relationship Status: Married
Seeking: Wanting Sex
City: Coffs Harbour, Townsville, Busselton, Brisbane, Melbourne, Mount Isa, Canberra
Hair: Blue & black
Relation Type: Horny Old Ladies Wanting Black Girls Sex

Views: 3950

submit to reddit

The State of Online Dating in Australia

❶National Sorry Day. Neutral Bay. Hunter and Central Coast Broadmeadow Newcastle. Online Survey This month's survey. If she's happy with that, Cyner on something in her shopping trolley," he says.

Other, less pressured, ways of meeting people, like Meetupsports and Single females in Blacktown clubs is a great alternative to app or online dating. Making eye contact is really important. VIC Ballarat. Media release: Hearing the voices of children in the Family Court. October Alcohol use and relationships.

Dating apps are convenient — but they lack the 1 altitude Kwinana ladies night craved by Victorian aesthetes.

July Attitudes to Homelessness. Thanks for submitting your booking We will be in touch soon.|If you're not a fan of dating apps or sites, Cybsr do you find love in ?

Apps like Tinder and Grindr have their advantages — you're reaching a wider pool of people quickly and can filter out potential duds. But for some singles, who are worried about misleading profiles as well statishics their own privacy and safety, finding a partner IRL still sounds pretty good.

Dating coach Damien Diecke from Sydney says the problem with dating apps is they promise more than dtatistics can deliver. Recently, Queensland police warned that dating sites were "creating a problem" Get skinny girl Warrnambool, by enabling predators to target potential victims.

If you're already wary of online South Brisbane fashion health, statisttics good news is meeting someone in person isn't out of the question. A Relationships Australia report involving people found that 44 per cent of women and 34 per cent of men had met Marrickville mature milfs new partner through mutual friends.

Article share options

So if you've given up on apps, or never tried them, here are three ways to up your chances of finding someone you like. Get our newsletter for the best of ABC Life each week.

Being super specific about the kind of person you want Cyber dating statistics in Australia meet will help you find them, says Cybr coach Stephanie Ajstralia. Ms Chan says the more detailed you can be, the better: where would you like your potential partner to live, in what type of house, do they have a dog, what type of dog, do they like wine or beer, do they watch Girls number for friendship in Maitland, do they have few friends or lots of friends?

Ms Luscombe says if Cyber dating statistics in Australia meet someone in the process, you'll have an immediate common. Being statistids of your surroundings, even as you walk down the street, is going to help you meet people Cyber dating statistics in Australia, Ms Chan says.

Look around, smile and interact with .]With online and app dating, judgement and rejection come with the territory. It appears that fewer single people are meeting through friends, on blind dates, at work, or a chance get-together.

This opportunity can present a world of possibility, especially if you have a small, or coupled-up, social network, work long hours or work from home, are a single parent or just want exposure to people you may not Auustralia meet. With app and online dating, people might be considered and discarded in seconds, for example with a quick swipe of a thumb, often based on the way they look in their profile picture.

It found Tinder users were less Cyber dating statistics in Australia with their face and body, felt more shame statstics their body, datnig were more likely to compare their appearance to others, when compared with non-users. The researchers concluded that dating apps may be contributing to the worsening mental health of some users.

It can be hard not Best Bundaberg massage take the process personally, but there can Austrakia many reasons someone decides not to take things.

2. Nearly 50 Million People Have Tried Online Dating Coffs Harbour, Townsville, Busselton, Brisbane, Melbourne, Mount Isa, Canberra

You may have a great rapport over text messages, but when you meet them in person, you realise how false it has. Simpson says that many online daters also date multiple Aushralia at. It can be tempting to live your life through your online activity, but setting good boundaries is about continuing to prioritise real-life interactions, advises Wagner. Other, less pressured, ways of meeting people, like Meetupsports and book clubs is a great alternative to Alice Springs bdsm dungeon or online dating.

How to stop being distracted cating your digital devices and start a healthy relationship with technology. For many of us the world is becoming a lonelier place.

More than just making us feel sad, it can make us physically ill, but there are ways to reach. But new research shows that as we get older, close ties with friends become more important than.

More and more top performance scientists are pinpointing grit as a way of obtaining success. A Relationships Australia report found that couples are still meeting through If you're already wary of online sstatistics, the good news is statisrics. While there are no official statistics on the number of Australians using online dating sites, Free ad posting in Orange industry bodies claim that around million Australians are.

Online dating was first introduced as personal ads in the '90s, and then sites statisticx Match, JDate, and eHarmony improved and solidified the. Many Australians have embraced love with Cyber dating statistics in Australia usage of online dating websites vowing to make your ideal dream partner an astonishing reality.

With the internet enslaving the global world with a mere click of your finger, one is left with infinite possibilities of finding a perfect match. People are always on Cyber dating statistics in Australia hunt for effective internet Aushralia tips that might make them strike luck. These astonishing statistics give an interesting insight about psychological working of the online dating websites. Okstrend used a database of photographs of users of OkCupid dating website and found that Hot lesbian Canberra pictures of women showing eye-contact with the camera generate more dating response from men.

For men it was looking away from the camera posing with a serious look. Online dating websites lure users into a fantasy bubble of idyllic love and blissful moments with your dream lover.

Such high internet usage automatically reflects high activity on dating websites in Australia, which Auatralia been taken as a growth cue by the virtual dating industry. Currently there are around Sexy college girls twitter in Australia. A contradicting question that stems from such pro-online dating statistics is — Can we consider online dating a safe medium for finding love?

A few gruesome incidences have occurred that contribute in spoiling the image of such online dating tools. Teenager Carly Ryan was murdered on the South Australian coast in February by a man she found online.

She was murdered by a man who befriended her on Facebook.

As the internet is usually just text-based, just one level of communication, it leaves massive room for misunderstanding, as well as deception. What are your experiences of online dating in Australia?

Dating offline: Finding love in 2018 when dating apps aren't your thing

Let us know by adding your comments. The State of Online Dating in Australia. Michael June 17, 0 Comments.

As Seen On. Your payment is being processed, thank you for your patience!


text:
The Dramatic Results from Top Esthetic Dentistry in Los Angeles

esthetic dentistry in Los Angeles

Does your smile make you feel less confident? Are you self conscious about your smile? Even when you’re very happy, do you keep from smiling too wide because you feel it doesn’t look all that great? That can take a real toll on your self esteem and even your quality of life. Remember, though: you don’t have to accept it. You don’t have to “take it.” Instead, you can take steps to change it, to get the smile that you want. Dr. Mobasser, a practitioner of the top esthetic dentistry in Los Angeles, can improve your smile. In turn, that can improve your life in any number of ways.

Look Great, Feel Great

In the end, that’s what an improved smile can do for you. Most folks don’t realize the importance our smile plays in our day to day life. A smile signifies happiness, sure. But, it’s so much more than that. It makes a first impression. It can be a greeting. A smile might just be the first thing that anyone ever notices about you. If you think your smile is just a bit lacking, even unconsciously, it can keep you from making a great first impression, leading you to miss opportunities. Your best smile can keep that from happening.

Truly “Your Best Smile”

You’ll note that the prior paragraph said nothing about “whiteness.” Yes, having white, bright teeth can make for a more attractive smile, sure. However, that’s not all that there is to a gorgeous, perfect, smile. Tooth shape, your bite, occlusion, and so much more – that is also critical. Those and so many other factors have to be taken into account when it comes to making your best smile. To ignore any of those in favor for making a smile that’s just blindingly white won’t make for your “perfect smile.” indeed, that’s what Dr. Mobasser offers: your perfect smile.

Lasting Results

No one wants to have to go through constant cosmetic dental procedures. That’s just one of the reasons that Dr. Mobasser does his work at such a high level of quality and competence that folks maintain their bright white smiles for many, many years. Dr. Mobasser has been doing this for decades. Many of his patients have the same veneers, the same Lumineers, the same crowns, and more that they had years ago. They never got less bright, their function never decreases – they’re just as beautiful and great as they were when Dr. Mobasser placed them.

Esthetic Dentistry in Los Angeles Solutions

Your best smile does not have to stay a fantasy. It does not have to be a memory; a thing of the past. Dr. Mobasser can work to make your best smile a thing of the present, something to experience and share with the world. He’s currently taking consultations with folks. In these, you’ll sit down with him and he’ll go over your goals as well as your options. That way, you can get the best fit. For more: (310) 550-0383.

Are you looking for a cosmetic dentist in Los Angeles? If you want to improve your smile and feel more confident than ever before, look no further than Dr. Anthony Mobasser.

With over 30 years of experience, Dr. Mobasser uses advanced techniques and top-tier technologies to correct imperfections in your teeth, giving you the perfect smile.

Dr. Mobasser has amassed a long list of celebrity clientele who know they can count on him to help them put their best face forward. If you want to have a Hollywood smile, contact the staff at Dr. Mobasser’s Los Angeles office to schedule your first appointment.

To make the process easier, we offer free consultations to begin the journey towards your new smile. Call us today to get started!

Follow us on Facebook for daily updates and oral health tips!


text:
Helen Maccrory stars Helen Maccrory

Late star Helen McCrory honoured at poetry event

Reading now: 546

The Samaritans offer support and advice to people feeling suicidal or vulnerable 24 hours a day, 365 days a year. Their website is https://www.

Read more on msn.com
The website celebsbar.com is an aggregator of news from open sources. The source is indicated at the beginning and at the end of the announcement. You can send a complaint on the news if you find it unreliable.

Related News


text:
Amy Christophers Indiana county Story show Married At First Sight Amy Christophers Indiana county Story

Married At First Sight’s Amy looks dramatically different with blonde hair and before lip filler

Reading now: 926

Married At First Sight star Amy Christophers shared some past snaps of herself that look unrecognisable from the dark-haired beauty we’ve seen throughout the series.

The 34 year old posted a number of throwback snaps to her Instagram Story, in which her her usually brunette hair was bleach blonde.The sports presenter looked stunning in the snaps, taken on a night out, as she posed in a black strapless dress along alongside a friend.

Amy’s run on the show with partner Josh Christie has had a number of ups and downs, making for nail-biting viewing as it's remained uncertain if the pair will be separating.

The website is an aggregator of news from open sources. The source is indicated at the beginning and at the end of the announcement. You can send a complaint on the news if you find it unreliable.

Related News


text:
Ridhima Pandit Bio: Age, Parents, Boyfriend, Height, Modeling, Facts

Ridhima Pandit is an Indian actress and model. She became famous after playing a humanoid robot in Life OK’s sitcom Bahu Hamari Rajni Kant. In the last few years, she has been a part of major TV shows, establishing a name for herself in Bollywood.

Ridhima Pandit

Pandit is also most widely known for several other acclaimed small screen appearances, which include parts in Fear Factor: Khatron Ke Khiladi 9, Khatra Khatra Khatra, and Haiwaan: The Monster. In 2021, she participated in Bigg Boss OTT, a reality show that streams on the Voot streaming platform. Though she was late to the acting game, she has quickly become popular in the entertainment industry. The gorgeous actress has a lot to offer, and keep reading on to learn more about her career endeavors and personal life.

Ridhima Pandit Biography

Birth Name

Ridhima Pandit

Nick Name

June 25, 1990

31 years old

Birth Place

Mumbai, Maharashtra, India

Birth Sign

Actress, Model, Television Host

Mixed. She’s of Gujarati and Marathi descent.

Family Details

Very little is known about her family life right now. She was born to a Maharashtrian father and a Gujarati mother. Her mother’s name is Jayshree. She has a sister named Ragini Pandit. Her mother passed away in April 2021.

While she has not revealed anything about her education or her early life, it appears that she became interested in modeling at a young age. She worked as a model and during her stint as a model, she modeled for brands like Dove, Veet, and Sunsilk.

Mumbai, Maharashtra, India

Ridhima Pandit Love Life

The young gorgeous actress doesn’t talk much about her romantic life and usually keeps the romantic aspect of her life to herself. It is reported that she has been in a relationship with Eshaan Roshan, who is the cousin of Hrithik Roshan. He works as an assistant director.

Body Statistics

5 feet 5 inches or 165 cm

53 kg or 116 lbs

Body Build

Hair Color

Dark Brown

Eye Color

Light Brown

Famous For

Ridhima Pandit burst onto the acting scene in 2016 with the acclaimed TV series Bahu Hamari Rajni Kant that aired on Life OK from 2016 to 2017. On the show, she was seen playing the role of Rajni Kant, a super humanoid robot, and quickly became a household name. Thanks to the success of the role, she gained a large social following and earned a Zee Gold Award for Best Debut as well.

Her other notable appearances include Fear Factor: Khatron Ke Khiladi 9, Khatra Khatra Khatra, and Haiwaan: The Monster.

In 2021, she became a part of the reality show Big Boss OTT, which also stars Divya Agarwal, Shamita Shetty, Akshara Singh, Neha Bhasin, and Urfi Javed, among others. The show will stream on Voot Select for the first six weeks and then will air on Colors TV.

Ridhima Pandit Facts

She stared ou as a model, appearing in television commericals and print ads for Sunsilk, Fair & Lovely, Dove, Harpic, and Veet.

She spent two years honing her acting skills at Nadira Babar’s theatre company, Ekjute.

Ridhima made her acting debut with the TV series Bahu Hamari Rajni Kant.

In 2017, she hosted the dance competition reality show Dance Champions.

She has over 1.7 million followers on Instagram.

She once was an artist manager for actor Sonu Sood.

Ridhima appeared along actress Katrina Kaif in a TV commerical.

You might also like


WARC-Identified-Payload-Type: application/xhtml+xml

text:
Celestial Lands The Religious Crossroads of Politics, Power, and Theology

Tag Archives: Freedom

Free Speech, Responsibility, and Religious Violence

Freedom is one of the most misunderstood concepts in the United States, and perhaps in the world. Be it Religious Freedom, or Freedom of Speech, or the Freedom of the Press, the Freedom of Association, or any of the common conceptions of freedom that we experience in the United States, Read more →

Tribal Gods

You might have noticed that Celestial Lands has calmed down (less blog posts) over the past week or so. That is because my mom came to Chicago to spend a week with us and hear me preach on Mother’s Day. It was the first time she has come to visit Read more →

Living an Oath

“I, David Glenn Pyle, having been appointed an officer in the Army of the United States, as indicated above in the grade of Second Lieutenant, do solemnly swear (or affirm) that I will support and defend the Constitution of the United States against all enemies, foreign or domestic, that I Read more →


text:
Solutions To An Uncomfortable Sofa Bed Mattress

Author: Rosemary J. Johnson | Categories: Chair Ideas comments
Classic Brands Sofa Bed Mattress

Sofa bed mattress – If you have the means and time to search, an option is to replace the sofa bed mattress. Over time, mattresses can get so skewed and worn that they simply cannot be made more comfortable. This is the most expensive solution, but it can also be the easiest and most reliable. Measure your bed to determine what size you need. Be sure to buy only a thin enough to fold easily between the metal frames but sofa bed mattress that is thick enough to add comfort.

RELATED:   Navy Blue Accent Chair Ideas

Foam Coats; foam covers are versatile and affordable options for improving sleeper sofa sleeping experience. Cover sofa bed mattress with a foam cover. Many can be found at home delivery and bedding stores. Egg shoulder box foam is a cheap and easily accessible option. It can be layered over the mattress and under the law to add extra comfort to the sofa bed mattress when needed. To prevent the foam from becoming too skew, remove it from the bed and store it before you remove the bed.

RELATED:   Corner Bench Table

DIY corrections; another cheap solution is to improve the integrity of the sofa bed mattress with new foam and cotton placemat. This involves cutting the open mattress and inserting new foam and plate wrap as desired. This is the hardest solution, but it’s a cheap way to revive an old mattress. Use a sharp knife to cut the edge of the top layer of mattress linens. Push a piece of soft 2-inch padding foam in mattress. Add Cotton Platter for extra comfort. Sew the fabric closed.

Inside this solutions to an uncomfortable sofa bed mattress gallery you'll learn more portray that will enhance your chair ideas project such as sofa bed mattress cover, sofa bed mattress pad, sofa bed mattress replacement, sofa bed mattress support, sofa bed mattress topper and many more.

Comments are closed. -->


text:
White Granite: Very Popular In Kitchen

Author: Rosemary J. Johnson | Categories: Design Ideas comments
Clean White Granite

Both marble and white granite are very popular stones in construction, both in homes and in public and commercial buildings. Its implementation in area of construction comes from a long time. These stones are characterized by being very noble and highly resistant, which with proper care and maintenance, can keep their goodness intact for a long time. marble is a material with a porous surface and high aesthetic appeal.

This is an inconvenience when some area of this material is stained, since porous material penetrates easily enough. Although cleaning of marble is not at all difficult, fundamental thing is that when a stain is produced on it, proceed to remove it immediately so that it does not get to adhere to it. In general, not only for white granite countertop for all surfaces with this material, for a daily cleaning it is sufficient to use water and a neutral soap.

RELATED:   Beautiful Office Dividers

To protect a granite countertop and prevent it from losing its shine, it is advisable to follow a maintenance program that involves using water, and apply each time a special product for natural stone, which is available in market. Although we can find different recommendations and tips to remove stains from this type of material, it is safest to obtain an adequate advice. Since there are special products for both white granite and marble. Especially in cases of stains or serious deterioration.

RELATED:   Small House Number Plaque

Popular granite colors with white cabinets,

White kitchen with white granite,

Sierra white granite countertops,

Inside this white granite: very popular in kitchen gallery you'll learn more photographing that will enhance your design ideas project such as white granite and marble, white granite cleaning, white granite countertop, white granite kitchen, white granite top and still lot more.

Comments are closed.

https://cento.hazelwoodchildren.com/ -->


text:
Our Company Values

For those who are looking for financial advice, we realize the available options are many and deciding who to work with is a challenging problem. Listed below are our Company Values which we hope will give you a better understanding of how we operate.

  1. People Matter – We believe that each person is innately valuable and worthy of respect and honor. We believe that relationships matter and that business is relational, top to bottom. People First, Money Second is a priority statement that places people and relationships ahead of financial matters.
  2. Integrity Matters – We believe that integrity and truth matter. We believe we need to conduct our business in such a way that we are “above reproach. We believe suitability and ethical practices come from placing a high value on other people and their needs before our own.
  3. Communication Matters – We believe that communication with our client partners builds and maintains the trust that is necessary for business relationships to reach their full potential. We believe that our client partners deserve the type of communication that is frequent, timely, truthful, & relevant.
  4. Service Matters – We believe that good service is practical and that great service is necessary in the pursuit of business excellence. We will pursue perfection and in so doing “catch a little excellence along the way.” (Vince Lombardi)

John Lowry

President, Century Advisory Group

Since 1982 John has assisted families to wisely grow and protect their investments he is an Independent FEE only Advisor Specializing in Retirement Plan/401(k)/403(b) Transfers, Retirement Income Planning, Capital Preservation, Maximizing Growth while Protecting Principal using the latest Most Advanced Strategies. Additionally, he has helped retirees to save up to 50% in taxes and increase retirement income by as much as 30%. John has authored many articles on retirement planning, and investment and income strategies. He has been retained by some of the industry’s top companies to teach Conservative Investment Strategies to both investment reps and their clients. Organizations such as John Hancock Financial Services, Lincoln Financial, Great American financial Resources and ING have utilized John’s skills to further their own Conservative Investment initiatives, he is uniquely qualified to present the solid advice and guidance Americans so desperately seek. John lives with his wife Merle and 2 children in Hulmeville PA.

Plan For Your Future

There is no one “best place” to put your retirement money because each individual and couple has unique requirements, different tolerances for risk, and need their money at different times. Likewise, there is no one place to keep your money that fits everyone for exactly the same reasons. Your unique circumstances must be taken into consideration if you seek to find the “most favorable place” for your retirement money. This is where we can be of service.

Comments are closed.


text:
Parish Forms

This section of the web site provides documentation for Parish Administration, Work Health Safety, Employment, Child Protection, Visiting Clergy, and Clergy. The Clergy category is for the use of parish priests and is password protected.

Parish Administration

Child Protection

Visiting Clergy

Please forward the signed documents to

Upon completion of the approval process, the Archdiocese will send a return email welcoming and informing both the visiting Clergy and the Parish Priest of clearance to perform ministry in the parish at the specified time.  Please note that ministry in the Archdiocese may not be undertaken until the Parish Priest has been informed in writing.

For advice on insurance matters visitors are encouraged to contact the Archdiocesan Office or Catholic Church Insurances.

Click here to access your webmail:


text:
 In stock: Hurry only 2 units left!

Essential Backpack Alpha Bravo

CHF 340,00

About this item

Style: 139766-2447

Compact with ample organization, the Essential Backpack is designed to carry more while maintaining a smaller silhouette. It offers padded protection with a designated laptop and iPad pockets. Its ballistic nylon body is made from recycled materials and treated with antimicrobial technology to help protect your belongings as well as the planet while helping keep the bag odor and mold-free. Alpha Bravo brings you rugged yet refined pieces that will take you from the office to the outdoors and beyond. Made from ballistic nylon, which withstands the wear and tear of everyday use (materials for some items may vary).

Features and specifications

Dimensions 43 x 14 x 28 cm
Weight 1.098 kg
Material Ballistic Nylon/Fabric
Interior Features
  • Padded iPad pocket
  • Zip pocket
  • 2 media pockets
  • TUMI Tracer®
  • Key leash
Exterior Features
  • Zip entry to main compartment
  • Zip entry to padded laptop compartment (fits 15" screens)
  • 2 front zip pockets
  • Luggage tag
  • Add-A-Bag sleeve
How Do We Measure ?

May we help?

Email us Send

Call us +41 315282240


text:
Students prepared to fight Scottish Government on SQA results scandal

Yesterday (4 August 2020), Challenge covered how the Scottish Government and Scottish Qualifications Authority (SQA) had committed an clear class war against working class and deprived schoolchildren, awarding a significant number of children grades which were much lower than that which their teachers and preliminary grades had predicted.

Times are changing – and we have to capitalise on the opportunity

The recent outbreak of Coronavirus, and subsequent global Covid-19 pandemic, have exposed the true failings of neoliberalism and late-stage capitalism. There can be no doubt over the extent to which the past ten years of Tory austerity have decimated our public services and resulted in the social murder of our class. But it has alsoContinue reading “Times are changing – and we have to capitalise on the opportunity”

What is socialist feminism?

Socialist, or Marxist, feminism is feminism with a class analysis – feminism explored through the angle of class as the primary, and arguably strongest, oppressor. To go back to its very basics, Marxism is the intrinsic knowledge that societies are built on a hierarchy and are unequal – capitalism depends on this inequality. The capitalContinue reading “What is socialist feminism?”


text:
Library Buildings are Closed for Technology Upgrades

Access to both library buildings will be unavailable May 17-22. Patrons may still pick up items at the Drive-Up Window at the Main Library and Curbside Service at the North Lewisburg Branch Library during normal hours. Book drops will remain open, but no items will be due during the closure.

During this week, library staff will be converting as much of the 120,000 items in the collection as possible over to RFID technology. Radio Frequency IDentification technology enables multiple items to be checked out all at once instead of scanning each individual barcode. This makes for a better checkout experience, especially when using the new self-checkout kiosks that are now available.

RFID technology has many benefits that also include making it easier to manage the library's collection. By decreasing the staff time involved in the inventory process, staff can then devote time to other projects that improve our library services.

If you have not taken advantage of our drive-up service, this is a great time to try it out! Place holds on items through our online card catalog or call the library to have a staff person assist you. The library will notify you when your items are ready for pick up. At the Main Library, the Drive-Up Window is located on the west side of the building. Just pull up to the window, call us at 937-653-3811 to let us know you are there and we will get your items for you. At the North Lewisburg Branch Library, park in the marked space, open your trunk, call 937-747-3043 to let us know you have arrived, and we will place your items in your trunk. No appointment is needed.

What is RFID?

RFID stands for Radio Frequency Identification.  It is a proven technology that is used in many libraries around the world.  RFID produces a harmless low-level radio frequency that is detected by a reader.

RFID simplifies the checkout process.  Many library users check out dozens of books at a time. Currently, each item must be scanned individually at checkout, but with RFID, an entire stack of books can be scanned at one time.

RFID allows for faster, more accurate inventory.  Staff will also be able to use a hand-held reader allowing them to scan shelves for missing or misplaced items.

How private are RFID tags?

No personally identifiable information is on the RFID tag, only the item is identified, not the customer.

The RFID tags do not generate a signal on their own; they are only active in the presence of a reader. The read-range of the tags is only 24 inches or less and the only information would be about the item itself.

Are RFID systems safe?

The World Health Organization (WHO) and many other organizations have conducted extensive research on the potential health effects of exposure to electromagnetic fields, and have confirmed that there is no evidence of any adverse effects to general health.


text:
Charbel M. Tadros

Author, Website Designer at Brandpluss, Personality Development Coach, CEO at Future Academy, President of the Sydney Autism Community Lions Club

spiritual songs

Top 10 Most Inspirational Songs

Music has been part of our history since the beginning of our time on this planet. It has been used to soothe children, motivate friends, inspire philosophers, excite warriors, and demoralize enemies. Despite that we are seeing more and more meaningless music nowadays, the fact remains that there are countless songs whose meanings are full …


text:
Pope John Paul II Gets a Little Fired Up

This kind of stuff is so good, you can’t make it up. Here it is, right there on the Internet, so it must be true…

JP II Waving From Beyond the Grave

Apparently, Pope John Paul II, not content to just die and move on, came back for a visit. His shape appeared in a bonfire, which of course freaked out/delighted Polish Catholics who happened to be hanging out at the bonfire.

How cool is that? You get your picnic stuff together along with your folding chairs, and load up the family in the minivan, and meet other families at a local park. When it’s getting dark, someone says, “Hey, let’s start a bonfire,” which is cool, because after all, who doesn’t like a bonfire? But who could have guessed that Pope JPII was apparently also a **bonfire fan.

**That statement can be taken two ways – Either he likes bonfires and is therefore a “bonfire fan,” OR, he was literally using his own deceased, glorified body to fan the flame and get it going.

 A few observations:

1.  If you’re going to appear to people from the dead, and you were a religious figure, it seems a little suspicious appear in the middle of fire. Shouldn’t you be in the other place – the one that doesn’t include fire?

2.  I’m going to have to start thinking of some cool places I want to appear after I die – probably Borders;

3.  If the Catholics had allowed our dog Mabel to be Pope, she would never do weird stuff like this;

4.  These people who think they see these whacky things are insane. Or smoking crack. Or both.

This entry was posted in Blogroll. Bookmark the permalink.

5 Responses to Pope John Paul II Gets a Little Fired Up

  1. joannmski says:

    Oh my goodness. I was going to comment on this post but when I clicked through to the blog it’s all redesigned. I can’t even collect myself.

    Nice new design, but not the relaxed beachy Charley look! Are you moving to NYC?

  2. islandpastor says:

    Thanks for the good laugh, brother! 🙂

  3. charleysblog says:

    Sorry. I’m not feeling all that relaxed and beachy lately.

  4. Miss Cindy :) says:

    Is it just me, or do I spot a marshmallow at the end of his staff?? If no one is around with some graham crackers and Hersheys…this bonfire just might indicate something far more terrifying! 🙂 (No offense to this beloved man!!)

  5. Constance says:

    I read your blog because The Reverend Fairchild mentioned it on his blog and it was well worth the trip. You are a funny man, Mr. Miller…

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s


text:
Where are the unoccupied dwellings in Australian cities?

Over one million private dwellings in Australia were unoccupied on census night in 2016 – 11.2% of all private dwellings – up from 10.2% in 2011.

This raises many questions. Where are these unoccupied dwellings and where are they now more prevalent? What type of dwellings are more likely to be unoccupied? How long have these dwellings been unoccupied? Do we know why these dwellings are unoccupied?

This post will focus on dwelling occupancy by geography, dwelling types and trends over time. In a future post I hope look into those last two questions in more detail.

I’ve prepared data for sixteen Australian cities, with various maps in Tableau (you will need to zoom and pan to your city of interest).

Why am I blogging about dwelling occupancy on a transport blog? Well partly because I’m interested in urban issues, but also because land use is very relevant to transport. If dwelling occupancy rates in the inner and middle suburbs were higher, there would be more people living closer to jobs and activities who might be less reliant on private motorised transport for their daily travel.

If you’d like to read more around the associated policy issues, Professor Hal Pawson from UNSW has a good piece in The Conversation highlighting the increasing number of empty properties and spare bedrooms, and advocates  replacing stamp duty with a broad-based land tax to improve housing mobility. Also read Eryk Bagshaw in the Fairfax press, Jonathan Jackson in Finfeed, and a piece in Business Insider where the Commonwealth Bank state that 17% of recently built dwellings are left unoccupied (not sure how that was calculated).

What are the dwelling occupancy rates in Australian cities?

Here’s a chart showing private dwelling occupancy rates for sixteen Australian cities (using 2011 Significant Urban Area boundaries) from the last three censuses:

Note the y-axis only runs from 84% to 94%, so the changes are not massive. However a small change in dwelling occupancy can still have a large impact on housing prices (rental and sales).

The Sunshine and Central Coasts have the lowest occupancy, almost certainly explained by many holiday homes in those regions, although all three have been trending upwards. Curiously, the Gold Coast – Tweed Heads had a significant increase in occupancy between 2011 and 2016 to take it above Perth, Townsville, and Darwin.

Hobart and Cairns also had increased occupancy between 2011 and 2016, but all large cities declined between 2011 and 2016. Perth, Darwin and Townsville had big slides – quite possibly related to the downturn in the mining industry and slowing population growth (all three have seen slowing population growth in recent years after a boom period). Then again, if there are more fly-in-fly-out workers in a city you might expect dwelling occupancy on census night to go down as a portion of them will be away for work on census night.

How does dwelling occupancy in capital cities compare to the rest of the country?

Private dwelling occupancy is significantly lower outside the capital city areas. While the capital city areas contain 63% of all private dwellings, they only contain 51% of unoccupied private dwellings.

How does dwelling occupancy vary by dwelling type?

Here’s a chart of 2016 dwelling occupancy by Greater Capital City Statistical Areas and the most common dwelling types:

In many cities there is a strong correlation between housing type and occupancy, with separate houses having the highest occupancy rates, and multi-storey flats/apartments having the lowest. The pattern is strongest in Perth – perhaps reflecting reduced demand for apartment living following the end of the mining boom(?).

The data suggests higher density apartments are more likely to not be occupied on census night, but it doesn’t tell us why. Of course different dwelling types have different spatial distributions, so is it the dwelling type that drives the occupancy rates? I’ll come back to that shortly.

Where are the unoccupied dwellings?

Quite simply, here is a map showing the density (at SA2 geography) of unoccupied dwellings in Melbourne over time (you might need to click to enlarge to read more clearly):

(I’ve not shaded SA2s with less than 1 unoccupied dwelling per hectare. You can look at other cities in Tableau by zooming out and then in on another city).

You can see a fairly significant increase in the number of unoccupied dwellings in the inner and middle suburbs (at least at densities above 1 per hectare).

From a transport perspective – this isn’t great. If people lived in those dwellings rather than dwellings on the fringe of Melbourne, the transport task would be easier as there would be many more people living closer to jobs and other destinations with non-car modes being more competitive.

But these areas with a relatively high density of unoccupied dwellings are also areas with a high density of dwellings in general. The density of unoccupied dwellings has risen in the same places where total dwelling density has risen:

(see in Tableau – you may need to change the geography type)

Given you would expect a small percentage of dwellings to be unoccupied for good reasons (eg resident temporarily absent, or property on the market), it makes sense that the density of unoccupied dwellings has gone up with total dwelling density.

But a decrease in the dwelling occupancy rate requires the number of unoccupied dwellings to be growing at a faster rate than the total number of dwellings. We already know that is happening at the city level through declining occupancy rates, so how does that look inside cities?

How does dwelling occupancy vary across Melbourne?

Here’s a map of dwelling occupancy in Melbourne and Geelong at CD/SA1 level geography:

(see also in Tableau)

You can see very clearly that occupancy is lowest on Mornington Peninsula beaches to the south – which almost certainly reflects empty holiday homes on census night (a Tuesday night in winter).

In fact, I’ve created a map of dwelling occupancy at SA2 level for all of Australia, and you can see many coastal holiday areas around Melbourne (and other cities) with low occupancy (with Lorne – Anglesea at 32% and Phillip Island at 40%):

The previous Melbourne map at CD/SA1 level is very detailed and so it’s not easy to see the overall trends. Also, apart from the Mornington Peninsula, occupancy rates are almost all above 80%.

So here is a zoomed-in map with a different (narrower) colour scale, with data aggregated at SA2 level (also in Tableau):

Things become much clearer.

The highest dwelling occupancy is generally on the fringe of Melbourne.

Apart from holiday home areas, the lowest occupancy in 2016 was concentrated in wealthier inner suburbs, including Toorak at 83% and South Yarra west at 84%. This was closely followed by the CBD, Docklands, East Melbourne, Southbank, and Albert Park between 84% and 86%. These areas have all had declining occupancy since 2011.

It can be a little difficult to see the changes in occupancy rates, so here is a non-animated map the change in dwelling occupancy rates between 2006 and 2016 (also in Tableau):

There are at least small declines in most parts of Melbourne. The biggest decline was 7% in Bundoora North (with lowest 2016 occupancy of 79% in these new units in University Hill ), followed by 5% in Doncaster (lowest around Doncaster Hill where there are new apartments, perhaps too new to be occupied on census night?), 4% in South Yarra East (lowest in the new apartments around South Yarra Station, again possibly because some are very new) and Prahran – Windsor.

Curiously, Docklands dwelling occupancy increased by 9% from 75% to 85% (rounding means that those numbers don’t perfectly add). Perhaps there were many new yet-to-be-occupied dwellings in 2006? For reference, Dockland’s 2011 occupancy was 84%, only slightly below the 2016 level.

The outer growth areas are a mixed bag of increases and decreases. This possibly depends again on how many brand new but not yet occupied dwellings there were in 2006 and 2016.

What are the dwelling occupancy patterns in other cities?

You can see lower occupancy around the CBD, North Sydney, Manly, and the northern beaches, and higher occupancy in the western suburbs.

The largest declines are evident in the city centre and North Ryde – East Ryde:

Brisbane has some big declines to the north-east of the city centre, Rochedale – Burbank, Woodridge, Logan, and Leichhardt – One Mile. The Redland Islands in the east are presumably a popular place for holiday homes.

Low occupancy is evident around Mandurah in the south (a popular holiday home area). Lower occupancy has spread around the inner city, and beach-side suburbs of Scarborough, Cottesloe, Fremantle, and Rockingham (many of which are areas with higher concentrations of Airbnb properties).

The biggest declines were in Maylands, Victoria Park – Lathlain – Burswood, and South Lake – Cockburn Central. For the first two of these areas the decline was mostly in flats/units/apartments.

The lowest occupancy is on the south coast and in Glenelg. The biggest decline was in Fulham (-5%), followed by Payneham – Felixstowe (-4%):

[Canberra, Hobart and Darwin added 6 November 2017]

Dwelling occupancy was lowest around Parliament House (the census was not during a sitting week in 2016), and highest in the outer northern and southern suburbs. The 2006 census was during a sitting week, so it’s little surprise that big dwelling occupancy reductions were seen around Capital Hill between 2006 and 2016.  There was also a 5% decline in Farrer and a 6% growth in Gungahlin between 2006 and 2016 (Gungahlin’s dwellings almost doubled between 2006 and 2011, so the 2006 result might reflect brand new dwellings awaiting occupants).

Dwelling occupancy was lowest in central Hobart, with the biggest decline of 4% in Old Beach – Otago, but overall there was little change between 2006 and 2016 (average occupancy did drop slightly in 2011 though).

Darwin dwelling occupancy was lowest in the city centre at 82% in 2016, while Howard Springs had 100% occupancy (in 2016). Declines are evident between 2006 and 2016 across most parts of Darwin.

Gold Coast

Here’s a map of 2016 occupancy at SA1 level, with the original broader colour scale:

You can see quite clearly that the beach-side areas have low occupancy, while the inland areas have much higher occupancy (some at 100%). Presumably many permanent residents cannot or choose not to compete with tourism for beach-side living.

Sunshine Coast

Similar patterns are evident on the Sunshine Coast, particularly around Noosa and Sunshine Beach in the north:

If you want to see other cities, move around Australia in Tableau for occupancy maps at CD/SA1 and SA2 geography (choose you year of interest), and occupancy change maps (at SA2 geography).

So are there lots of unoccupied inner city apartments in Melbourne?

Some commentators have spoken about many inner city apartments being unoccupied – perhaps through a glut or investors chasing capital gains and not interested rental incomes.

Here is dwelling occupancy in central Melbourne at SA1 geography for 2016, using the broader colour scale (also in Tableau):

There are quite a few pockets of very low occupancy, particularly areas shaded in yellows and greens. The average private dwelling occupancy for the City of Melbourne local government area was 87%, lower than the Greater Melbourne average of 91%.

The lowest occupancy is a block between Adderley, Spencer and Dudley Street in North Melbourne at 56%, which is probably related to the recent completion of an apartment tower not long before the census (from Google Street view we know it was under construction in April 2015 and completed by October 2016).

There are several patches of yellow  (65-70% occupancy) in the CBD, Docklands and Southbank.

But what about apartment towers? For that we need to drill down to mesh blocks – and thankfully 2016 census data is actually provided at this level.

Here’s a map showing dwelling occupancy of mesh blocks in the City of Melbourne (local government area) with at least 100 dwellings per hectare (as an arbitrary threshold for large apartment building – see the appendix for an example of this density):

(explore in Tableau)

Some notable low occupancy apartment towers include:

  • 48% for an apartment tower at 555 Flinders Street (Northbank Place Central Tower) between Spencer and King Street and the railway viaduct. It wasn’t brand new in 2016.
  • 47% in a block that includes the Melbourne ONE apartment tower, possibly because it was only just opened (as I write there are still apartments for sale)
  • 65% for one of the towers at New Quay, Docklands (which seems to include serviced apartments)
  • 66% for a tower at 28 Southgate Ave (corner City Road), and 67% for the Quay West tower next door (almost certainly popular places for Airbnb / serviced apartments).

Several of these towers include advertised serviced apartments, and I expect the towers would contain a mix of serviced apartments, owner-occupied apartments and rentals (regular and Airbnb). However ABS advises me that field officers do speak to building managers, and are therefore likely to not code serviced apartments as private dwellings.

That said, according to the 2016 census data there were only 11 non-private dwellings in Docklands that were classified as “Hotel, motel, bed and breakfast”, and zero non-private dwellings in the New Quay apartment towers.

I snapped this picture at 9pm on a Sunday in September 2017 of the apartments at New Quay (Docklands) that at the 2016 census had 65-70% occupancy:

Of course you wouldn’t expect lights to be on in all rooms in all occupied dwellings at 9pm on a particular Sunday, but I dare say it’s probably a time when fewer people would be out. It looks like a lot less than a quarter of rooms are lit. I know very few of these are on Airbnb (more on that in a future post!), but I don’t know how many are actually serviced apartments.

There’s huge variation in dwelling occupancy across these mesh blocks. So is the lower occupancy more concentrated in higher density areas? Here’s a scatter plot of all mesh blocks in the City of Melbourne by dwelling density and occupancy:

There’s not a strong relationship between density and occupancy. The variation in dwelling occupancy between mesh blocks will probably depend on a lot of local factors.

What about occupancy by dwelling type for the inner city?

(data points removed where dwelling counts were small, the isolated blue dot at the bottom is for Southbank).

There’s no evidence that flats / apartments have lower occupancy than other housing types in the central city. However there is evidence that inner city areas have relatively lower occupancy.

So how does the occupancy of apartment blocks of 4+ storeys vary across Melbourne?

Box Hill had the lowest apartment occupancy of 50% (perhaps some were brand new?), followed by Ringwood, Glen Waverley, and Brighton in the 70-75% range.  Croydon East, Templestowe , Seddon – Kingsville, Clayton, Carnegie, West Footscray, Braybrook and Frankston reported occupancy above 95%. The inner city areas were around 84-85% occupied, and these would make up the majority of such dwellings in Melbourne.

Apartments in blocks of 4+ storeys seem to have lower occupancy on average because most of them are located in the central city, which generally has lower dwelling occupancy.

Here’s a similar map (with a different colour scale) for dwelling occupancy of separate houses across the Melbourne region:

The lowest rates in metropolitan Melbourne are 82-83% in some inner city areas, while the urban growth shows up in pink and purple, mostly 94-96%.

Explore the 2016 occupancy rates at SA2 geography for different dwelling types for any part of Australia in Tableau. You can also view changes in occupancy rates since 2006 for separate houses, flats/units/apartments, and semi-detached/townhouses.

Why are there lower dwelling occupancy rates in the central city?

The census doesn’t answer this, and I’m not a housing expert, but I dare say there are plenty of plausible explanations:

  • Many dwellings are rented out on Airbnb (and/or other platforms) – but are not in high demand on a weeknight in mid-winter (more on that in this post).
  • Many dwellings are serviced apartments that are indistinguishable from regular private dwellings (in buildings with a mixture of dwelling use). ABS say they don’t count these as private dwellings, however they are not showing up as non-private dwellings.
  • Dwellings are more likely to occupied by executives who travel more frequently.
  • Dwellings might be second homes for people living outside the city.
  • Dwellings might be owned by employers for interstate staff visiting Melbourne.
  • Dwellings might be poorly constructed and uninhabitable (eg mould issues).
  • Investors who are not interested in rental income might deliberately leave properties vacant (something that is disputed).

But I’m just speculating.

What about dwelling occupancy in the centre of other cities?

Here’s a map of the Sydney CBD area at SA1 geography:

There are some very low occupancy rates in the north end of the CBD, but very high occupancy rates around Darling Harbour and Pyrmont.

Here’s central Brisbane:

Here are occupancy rates for different dwelling types for selected inner city SA2s in Sydney, Brisbane, Adelaide and Perth:

In all SA2s except Surrey Hills (Sydney) and South Brisbane, flats or apartments in 4+ storey blocks had the lowest dwelling occupancy in 2016. Only in Perth City SA2 (which is quite a bit larger than the CBD) is there a reasonably clear relationship between housing type and occupancy.

Summary of findings

Couldn’t be bothered reading all of the above, or forgot what you learnt? Here’s a summary of findings:

  • Dwelling occupancy, as measured by the census, has declined in most Australian cities between 2006 and 2016 (particularly larger cities).
  • Dwelling occupancy is generally very low in popular holiday home areas, but also relatively low in central city locations.
  • Dwelling occupancy is generally highest in outer suburban areas.
  • Higher density housing types generally have lower occupancy, but that is probably because they are more often found in inner city areas.
  • There are examples of low occupancy apartment towers in Melbourne, but there’s not a clear relationship between dwelling density and dwelling occupancy in central Melbourne.

In a future post I plan to look more at why properties might be unoccupied, and for how long they are unoccupied, drawing on Airbnb and water usage datasets.  I might also look at bedrooms and bedroom occupancy which is a whole other topic.

Appendix – About the census dwelling data

I’ve loaded census data about occupied and unoccupied private dwellings data into Tableau for 2006, 2011, and 2016 censuses for sixteen Australian cities at the CD (2006) / SA1 (2011,2016) level, which the smallest geography available for all censuses. I’ve mapped all these CDs and SA1s to boundaries of 2016 SA2s and 2011 Significant Urban Areas (as per my last post). Those mappings are unfortunately not perfect, particularly for 2006 CDs.

The ABS determine a private dwelling to be occupied if they have information to suggest someone was living in that dwelling on census night (eg a form was returned, or there was some evidence of occupation). Under this definition, unoccupied dwellings include those with usual residents temporarily absent, and those with no usual residents (vacant).

For my detailed maps I’ve only included CDs / SA1s with a density of 2 dwellings per hectare or more.

For reference, here is a Melbourne mesh block with 100 dwellings per hectare:

And here is a mesh block with 206 dwellings per hectare (note only a small part of mesh block footprint contains towers):

6 Responses to Where are the unoccupied dwellings in Australian cities?

  1. James says:

    Interesting given all the debate about housing. A couple of reasons I can see for increased vacant dwellings are:
    More wealthy “tree changers” / “sea changers” who have a main home in the country and maintain an apartment in the city. This is common in Europe and I’m aware of increasing numbers doing it in Australia.
    People selling houses vacant. Time was when you would sell your old house THEN buy a new one, partly to avoid paying interest on bridging finance. Now with home mortgages being virtually interest free and with the recent rapid inflation of house prices, it makes a lot of sense to buy your new house THEN sell your old one, meaning one of them will be vacant for a while. Though August isn’t a busy selling month.

  2. Tom the first and best says:

    It will be interesting to see if the Vacant Properties Tax, to be introduced in 2018 in several inner and middle ring municipalities in Melbourne, has any effect.

  3. ale says:

    Very nice analysis as always. I think another possible explanation for the lower occupancy in inner city Melbourne is just that more people could have been away on holidays. The demographics of inner city Melbourne are very different from the rest: much younger, more foreigners and importantly, way less kids, on a census date that was not during school holidays. Holidays are cheaper during non-school holiday periods so people without children are more likely to take them then.

  4. Cathy says:

    It would be good to see the maps for Canberra, Hobart and Darwin if you have them?

Leave a Reply to Tom the first and best Cancel reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

This site uses Akismet to reduce spam. Learn how your comment data is processed.

%d bloggers like this:


text:
Death over a Drink

Last week, four of us Army Reserve ladies had a reunion. We were all deployed together in Iraq back in 2005-2006. Time has passed and things have changed since then. We all live in different states now. Our lives have changed dramatically. We are different people in many ways and yet, still the same women who really got to know each other at war. However, despite the changes and years, we have stayed in touch. Some years more. Others years less.

Needless to say, we are still friends. Last year we got together in Jamaica when one of the girls got married. The other two had just gotten married in the two years prior and trips were made then too. Now, I am dating someone wonderful too and they joke how there needs to be another destination wedding soon. (One step at a time there ladies, lol.) So naturally, what do four women in love do…we sat around talking about our loves, lives and work. The highlight and main attraction though was to visit with one of my friend’s brand new baby girl. It was so nice to play with a little angel for a bit!

Ironically, as we were all mesmerized by the wonder of a new life, I looked over and saw a praying mantis capture a fly on one of our protein smoothie glasses. I start staring at it and remarked, “The circle of life is upon us.” We all gathered close to see the murder scene unfold and right there on the patio onto of one of our glasses. When did all this action take place we laughed?

As we all stared, one friend explained her relief, “Good. That fly was annoying me anyway.”

And there you have it-the joy of new life and the reality of death. To make the murder scene more “festive,” I enhanced the photos in Hipstamtic. They were also taken with a phonoegraphy app, Camera +. And then they were watermarked with my name by another app, iWatermark. Three camera phone apps later and…the circle of life is almost pretty.

For Sally D’s Mobile Photography Challenge ~ Challenger’s Choice (Macro Insect Photography with Hipstamatic Editing).

3 thoughts on “Death over a Drink

  1. Pingback: Sally D’s Mobile Photography Challenge: Challenge’s Choice (The Architecture of Nature-A Rarity where Sunset Coincides with Strawberry Moon) | Lens and Pens by Sally

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s