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.

This paper sets out three challenges to the creation of a future for Indo-Pacific states and peoples consistent with the visions of a ‘free and open Indo-Pacific’ (FOIP) expressed by Japan, India, the US and Australia, and now by the ASEAN outlook on the Indo-Pacific. It also describes a path for states to operate in an environment of coercive Chinese state power that seeks to influence how states relate and how they operate within their domestic boundaries.

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.

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.

The use of behavioural insights in public policy has traditionally focused on small, low cost 'nudges' to improve communications, increase compliance and enhance the way services are delivered. But BETA has begun to look beyond to identify a smaller set of 'richer veins' where BI can offer high financial and social impact. These areas includes consumer choice, financial decision-making and personal wellbeing.

Speculative fiction, Australian.

Genealogy

Economics.

Snowden, Edward J., 1983-

Boys -- Psychology.

Minter, Adam, 1970- -- Travel.

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Citizen science is a method of involving students and community members in scientific research and exploration using the same parameters as professional scientists. During the Huron River Watershed Council’s annual “Insect Identification Day” in Ann Arbor, Mich., students and volunteers identified insects to add to the group’s ecological survey. Such projects are part of a new wave of […]

U.S. Secretary of Education Betsy DeVos will hold a workforce event at a South Carolina drug manufacturer that employs hundreds of cash-strapped teachers in second jobs.

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Wien : L.W. Seidel, 1875.

London : Longman, Brown, Green, and Longmans, 1842.

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London : John Bale, 1897.

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A private-public partnership is moving forward with efforts to recruit and retain teachers by building housing for educators in rural West Virginia.

Academic and health offerings have increased in McDowell County, W.Va., due to a private-public partnership.

A Paris (rue des deux portes, St André des arts no. 7) : chez Noel et c.ie, [1820?] ([Paris?] : Litho. de F. Noel)

Liverpool (82, Duke Street) ; And in London (13 St. James's Place, Hampstead Road) : Published ... by the artist, April 10th. 1854.

London (Sold in Green Street, Leicester Fields) : [W. Woollett?], [between 1760 and 1769?]

A growing number of schools are re-evaluating their policies on religious holidays in response to the changing demographics of their students.

Lawmakers in Illinois are considering a bill that would require children to start kindergarten if they are 5 on or before May 31, with exceptions for summer birthdays.

Ted Leonsis, owner of the Washington Capitals, told ESPN's Greg Wyshynski about the time Jordan had a lengthy interview with the board of governors executive committee, in which late Blackhawks owner Bill Wirtz was a member of, to become the newest owner of an NHL franchise at a Palm Beach resort in December of 2000.

Stuttgart : Franz Steiner Verlag, 2019.

Rockville, Maryland : National Institute on Drug Abuse, 1986.