Annotation. Spaghetti Cook Book.

Consumers who only make the minimum repayment on their credit card could be paying hundreds of dollars a year in high interest payments. To help, BETA partnered with the Treasury and Westpac to see if reminders could encourage consumers to pay earlier and save money. We found any type of SMS reminder resulted in a $134 (28 per cent) increase in repayments in the following month, compared to those who received no message. However, different SMS messages all had a similar impact and we were unable to detect an effect from sending email reminders. Overall, the findings suggest that sending an SMS reminder to credit card consumers before their payment due date is a simple, cost-effective way to improve their financial wellbeing.

"It is timely that the higher education sector examines paths forward to address and indeed engage in the new environment in which it will work in the future. This fellowship explored two approaches to engage students more deeply in their education. The first approach is generally termed 'interdisciplinary studies' where students define their own program of study; the second approach focuses on topic structure where students are given a wide range of choice and in effect can build a topic that suits their interests."--Page iv.

This handbook outlines the diversity of matters submitted to the Executive Council and presented to the Governor-General and Executive Councillors.

Told from two points of view: Drake: Most guys like their dads. Most guys aren't the son of the literal devil. When Daddy Dearest tells me its unseemly for the last living son of the Lord of Hell to be unmarried, I hate to think who he has in mind. Until, I remember I'm technically already married. Yeah, she's human and I was all of eight at the time. But, still counts. Now I just need to get my wife to Hell for a meet and greet with Pops and send her back home. Except, our marriage won't technically be legit until it's consummated. And I don't know that I want to send her home... Wren: Most girls live normal lives. Most girls aren't married to the devil's son. There is something weirdly familiar about the new guy next door, but I can't place it. Then a weird little demon thing turns up in my room to tell me a prince of Hell wishes for an audience with me. Oh, yeah. And, apparently - while I'm not even eighteen yet - he's my husband? So, I find myself stuck in Hell with a husband. And, I guess I don't hate it as much as I thought I would. There's always something going on and things to discover. And soon, I don't know that I want to go home.

This report provides an overview of the implementation of the Water plan (Mary Basin) 2006 and summarises the findings of the assessments undertaken for the last five years. The plan supports urban water supply and a variety of industries including significant agricultural production, a growing tourism industry and fisheries.

Two Aboriginal Elders, one of whom had been removed from her family as a child, and the other who was affected by siblings and other family members being removed, provided consent to share their personal stories specifically for this resource, with the vision that people would be better informed and communication improved when delivering care. To respect their privacy, their stories have been de-identified.

This paper assesses whether the Newstart Allowance for unemployed people should be increased. It investigates the relationship of the Newstart Allowance to Average Weekly Earnings, the Federal Minimum Wage, and Australian poverty lines, and considers the typical the duration of unemployment and long term unemployment, duration of time on income support, overseas allowances, cost of living, and a comparison with policy makers' remuneration. It finds that the value of the allowance has eroded since it was first set and that unemployment for many is not a transitional situation, and concludes that an increase is warranted to bridge the gap to the poverty line.

In 2017 the Department of the Prime Minister and Cabinet and Australian Defence Force (Australian Army) undertook a joint review of the Army Aboriginal Community Assistance Programme (AACAP) to assess its efficiency and effectiveness. The review found AACAP is a highly regarded and effective means of achieving positive environmental and primary health outcomes for Aboriginal and Torres Strait Islander communities while providing valuable training outcomes for Army. AACAP's objectives align with the Council of Australian Governments (COAG) 'Closing the Gap' targets in Indigenous disadvantage and with the Australian Government's Indigenous Advancement Strategy (IAS). The report identified areas for potential improvement, recommending greater support for the sustainability of infrastructure and project investment, enhanced employment and training opportunities and strengthening of project governance.

The Regional Recycling Transport Assistance Package provides funding to support resource recovery and recycling in regional Queensland, helping fund the costs of transporting recyclable material from regional Queensland to facilities where it can be recovered or processed and turned into new products. Details regarding eligible applicants, projects and costs are provided in these guidelines.

This researchprojectimplemented a randomizedcontrolledtrial ofthe SEAM program in Terms 3 and 4 ofthe 2016 school year. The purpose of the study was to determine the effects of the SEAM program. The study enrolled 448 treatment group students who were referred to SATOs for potential SEAM intervention, and 448 matched control group students who were not referred to SATOs. Approximately one-third of treatment group students received a compulsory conference notice, approximately one-third of treatment students' families signed an attendance plan, about 20% had a compulsory conference take place, and payment was suspended for approximately 5% of treatment students. No significant differences following any of these interventions were observed between treatment and control students.

"The HIV resilience framework will be of relevance to a wide range of people involved at all levels of the HIV response. We hope it provides encouragement for government decision makers and policy developers to pursue consistent and enabling policy and legislative environments and work cooperatively between jurisdictions and across departments to achieve best practice. Our consultation suggests that consistent legislation with the goal of supporting strong health outcomes, making disclosure safe, and eliminating stigmatising laws is crucial to creating environments in which people with HIV feel safe to access testing, treatment, and care. The HIV resilience framework also contains valuable insights for those who have responsibility for HIV health program management and service delivery, providing guidance to help ensure that programs, services, interventions or strategies supporting people living with HIV are developed and delivered in a way that is mindful of the interlinked twin goals of building personal resilience and eliminating stigma and discrimination." --President's message (page 6).

A fun light story by Grammy of camping in the Vales with nighttime noises and shadows scaring all. She knew who was scurrying around the campsite. Would you like to know too? -- Publisher.

"Fixed safety cameras that detect red light running and speeding vehicles are known to be an effective method of controlling driver behaviour and producing road safety benefits. While no definitive best practice for choosing safety camera locations was found in the literature, there are a number of criteria that are frequently used and that make sense: locations with a high number of crashes (particularly injury crashes); locations with a high proportion of speeding vehicles; locations with high traffic volumes; locations with large numbers of unprotected road users (pedestrians and bicyclists); different camera types covering different areas of the road network; and deploying cameras widely throughout the road network. Evaluation of the effects of safety cameras on particular sites and as a whole can be attempted using a number of methodologies: changes in crash numbers before and after installation; changes in vehicle speeds before and after installation; and changes in offence detections from the time of installation onwards. There are limitations with each of these methodologies such that evaluating the effectiveness of an individual safety camera is often not possible. By tracking many safety camera sites for a long period of time, the effect of the safety cameras can be examined but there will always be other factors that may explain any observed changes. A true experiment could be conducted to determine safety camera effects but it would involve deliberate non-treatment of good candidate sites for many years. This study gives a reasonable set of principles for selecting safety camera sites and evaluating their effectiveness. However, the detailed processes for South Australia will depend on what data is available, the resources and funding that can be applied, and political and other considerations." -- page 3.

"Fixed safety cameras that detect speeding (and in some cases red light running) are known to be a generally effective method of controlling driver behaviour and producing road safety benefits. They were first introduced in South Australia in 1988 and are now in operation at more than 150 locations around the State. Data on the speeding and red light running offences recorded at each of the sites are now publicly available. If the number of offences declines over time, this is an indication that the safety cameras are becoming increasingly effective in preventing speeding or red light running behaviour. The offence rates of the five types of safety cameras in use in South Australia were examined on a site by site basis. Safety cameras located in South Australian 50-90 km/h speed limit zones in built-up areas showed a similar overall trend in offence rates: speeding offence rates decreased rapidly during the first two to three years of operation; continued declines in speeding offence rates occurred for many years after that; and red light running offences showed general declines over time but not as consistently or to the same extent as speeding offences. Making the cameras more conspicuous from the time of installation may accelerate their positive effects. Safety cameras may also prevent vehicle speeding on high speed rural roads upon installation (this could not be measured here) but there appears to be little change in offence rates after this time. This is possibly due to the more conspicuous nature of these cameras. The tolerances applied to point to point average speed measurements appear to be the same as applied to spot speed measurements and could reasonably be reduced." -- Summary.