I am delighted to welcome you all to Downing Street to help mark what is a very special birthday of a very special institution.In my line of work there are not many ideas from 70 years ago that are unquestionably supported today, but that is undoubtedly the case with our National Health Service.In a world that has changed almost beyond recognition, the vision at the heart of the NHS – of a tax-funded service that is available to all, free at the point of use with care based on clinical need and not the ability to pay – still retains near-universal acceptance.And that tells us a lot.Not just about the principles behind the NHS, powerful though they are.But also about the people who, for 70 years, have turned those principles into practice on daily basis.People like you.There are the doctors, nurses, midwives and all the other health professionals on the front line – and the staff who support them, from porters to ward clerks to receptionists.Across the country there are thousands of GPs, dentists, optometrists and others providing care under the NHS umbrella.Then there are the patient advocacy groups, the volunteers, the researchers…Many of you here today have been a part of the NHS family for 40 years or more.That’s an amazing achievement, and I know Jeremy – a man who knows a lot about long service – will be presenting you with commemorative badges to mark that later this evening.Others among you are, through your innovations, shaping the future of the NHS and of healthcare itself.Some of you are just setting out on what I hope will be long and rewarding careers.Yet all of you share one common trait.Every day, you get up and go to work so the NHS can continue to do what it has done every day for 70 years – provide the British people with some of the best healthcare in the world.I want that to continue.But for that to happen we must recognise that the NHS conceived by the likes of Beveridge, Willink and Bevan was created to serve a very different country in a very different time.Today, thanks to the NHS, people are living longer – but that brings with it an increase in dementia and other conditions associated with old age.Childhood obesity risks burdening the next generation with a lifetime of ill-health.And our understanding of mental health has progressed significantly – it can no longer be treated as somehow “less serious” than physical ailments.The NHS of yesterday was simply not designed or equipped to deal with these kind of issues.The NHS of tomorrow must be.That’s why, last month, I set out the priorities that will guide our long-term plan for the future of our NHS.A plan that will put the NHS on a sustainable path for generations to come.At its heart is new investment: an extra £394 million per week in real terms by 2023/24.But, important though that is, we all know that good healthcare is about more than money.So I have asked the NHS itself to draw up a 10-year plan to make sure every penny of the new funding is well-spent, and that leaders are accountable for delivery.Frontline staff like you will be involved in the plan’s development, so it delivers for patients and for the Health Service.I know that you got into medicine and healthcare because you want to make a difference, you want to help people get better or manage their conditions.Yet too often we see bureaucracy getting in the way of care, with process being put before patients.So the plan will highlight what changes we could make so that you can concentrate on putting patients first.I know that there is fantastic, innovative work going on right across the country.That the answers to many of the challenges we face can already be found in the best of what the NHS does today, for example in bringing different teams together to provide care closer to home.So the plan will make it easier to share this best practice, letting everyone learn from what works and avoid what doesn’t.I know that your dedication to your work is total.But I also know that, sometimes, you can be frustrated by staff shortages, and that you rarely enjoy the flexibility or work/life balance that many people now take for granted.We have already removed the cap on the number of foreign doctors and nurses who can come here each year, to relieve some of the immediate pressure on staff numbers.The plan will go further, investing in the workforce and introducing modern working practices so that the NHS is not just one of the biggest employers in the world, but also one of the best – managed in a way that works for patients and staff alike.Finally, I know that those of you who have worked in the NHS for many years will have already seen enormous changes in medicine.In the past 40 years alone we’ve heralded the arrival of synthetic human insulin, IVF and the HPV vaccine.More change is coming.As we stand here today, scientists are working to harness the power of genomics, Artificial Intelligence and more.Healthcare does not stand still – and nor should the NHS.So the plan will help the Health Service embrace the technology of tomorrow so it is fit to face the challenges of the future.Everyone in this garden, everyone in No 10, everyone in this city and beyond will have their own story of what the NHS has done for them.And that’s because it’s not the Labour Health Service or the Conservative Health Service – it is the NATIONAL Health Service.It belongs to all of us.It is there for all of us.For 70 years it has been a great British achievement of which we can all be proud.In the years to come I want to make it greater still.And, whether you are just starting out or have already given a lifetime of service, I look forward to working with you to make that happen.
Load remaining images Phish drummer Jon Fishman is currently on tour with Portland, Maine rockers The Mallett Brothers Band. The band and drummer first collaborated in 2016 to help raise awareness for Bernie Sanders‘ run for president before joining forces again twice last year—including the re-opening of Fishman’s Lincolnville General Store back in November. Now, The Mallett Brothers are a few shows deep into having Fishman as their second drummer for a two-week adventure that is set to last through April 21.Check out the photo gallery below from the band’s sold-out hometown throwdown at Port City Music Hall in Portland, ME on 4/8, courtesy of photographer Vic Brazen. Performing mostly originals, the band executed covers of Creedence Clearwater Revival’s “Fortunate Son” and Bruce Springsteen’s “Tougher Than The Rest”. See below for the complete setlist.Setlist: The Mallett Brothers Band with Jon Fishman | Port City Music Hall | Portland, ME | 4/8/18Vive l’Acadie, Long Black Braid, Late night in Austin, Losin’ Horses, Ye Roaring Falls at Kingsey, Tip up, Fortunate Son*, Tennessee, Peter Amberly, Low down, Too Much Trouble, Good As It Gets, Don’t Let The Bastards Get You Down, Benny, Broke n’ Driftin’,Gettin Back, Falling of the Pine, There Are No Rules In This GameE: Tougher Than The Rest +, High Times, Rocking Chair*Creedence Clearwater Revival cover+Bruce Springsteen coverFollowing The Mallett Brothers Band’s two-day break, the tour will resume at Milkboy Art House in College Park, MD, the Brooklyn Bowl in Brooklyn, NY, the Westcott Theatre in Syracuse, NY, then Higher Ground Ballroom for a hometown throwdown in Burlington, VT, Infinity Hall in Norfolk, CT–all with the Peoples Blues of Richmond. From there, the festivities will continue in Asbury Park, NJ at the House of Independents with the Dead Winter Carpenters, Ardmore Music Hall in Ardmore, PA with the Wallace Brothers Band and Mason Porter, Northampton, MA at Iron Horse Music Hall, Putnam Place in Saratoga Springs, NY, and will conclude at Once Ballroom in Somerville, MA.Don’t miss out on the opportunity to see Fishman performing Mallett Brothers originals on this east coast adventure!Mallett Brothers Band with Jon Fishman Tour3/30 Matunuck RI3/31 Carrabassett Valley, ME4/7 Nashua, NH w Dead Winter Carpenters4/8 Portland ME w Dead Winter Carpenters4/11 College Park MD w Peoples Blues of Richmond4/12 Brooklyn NY w Peoples Blues of Richmond4/13 Syracuse NY w Peoples Blues of Richmond4/14 Burlington VT w Peoples Blues of Richmond4/15 Norfolk CT w Peoples Blues of Richmond4/17 Asbury Park NJ w Dead Winter Carpenters4/18 Ardmore PA w Wallace Brothers Band and Mason Porter4/19 Northampton, MA4/20 Saratoga Springs NY w Eastbound Jesus4/21 Somerville, MA w Eastbound JesusFor more Mallett Brothers Band tour dates, head to the band’s official website. Photo: Vic Brazen
Notre Dame’s 53rd annual Collegiate Jazz Festival will unite professional and student musicians this weekend. The two-day, student-run festival, sponsored by the Notre Dame Bands and the Student Union Board, routinely attracts world-class judges and ensembles, director of jazz studies and faculty advisor Larry Dwyer said. This year’s edition of the country’s oldest collegiate jazz festival features nine collegiate bands and one ensemble comprised of the festival’s judges. “The festival is nationally known as one of the best festivals bands can come to, so we always get really great college bands to play here,” Dwyer said. “We’ve also been able to attract a who’s who of great jazz names to serve as judges over the past 50 years.” Dwyer said prominent jazz musicians, including this year’s judges, The Clayton Brothers Quartet, are attracted to the festival because it provides a unique opportunity to work with college-age amateur musicians at an entirely student-run festival. “When we ask former judges why they like coming to this festival, the most common answer is because it’s student-run,” Dwyer said. “They really appreciate that there’s not some professional guy telling them what to do, and they love to work with excellent college musicians to get a chance to impart some expertise and methods to them.” Festival co-programmer senior Theresa Gildner said the world-class professional talents who judge the festival each year amaze her. “It always fascinates me to see how many famous jazz musicians have been judges in past years,” Gildner said. “It’s a really cool aspect of the festival.” Although the festival is noncompetitive, the judges provide detailed critiques and scores for each band, including clinics immediately following their performances, Dwyer said. Judges also perform at the festival each year, and Friday’s “Judges’ Jam” will feature the Grammy-nominated Clayton Brothers. Among the groups performing over the weekend are the University of Notre Dame Jazz Band I, the University of Illinois Concert Jazz Band and the Alma College Percussion Ensemble. The festival will also feature the University of Western Ontario Jazz Ensemble, marking the first performance by an international band in the festival’s 53-year history, Dwyer said. For the first time, Notre Dame’s Jazz Band I will perform a song with the Voices of Faith gospel choir, Dwyer said. Sophomore jazz vocalist Allison Jeter will also perform with the Notre Dame ensemble. Gildner said she is excited to hear her peers perform a wide variety of jazz music at the festival. “The Alma College Percussion Ensemble will open the show on Friday, and they have a really unique sound that you don’t usually hear in jazz,” Gildner said. “They use steel drums and several other percussion instruments, and sometimes they use string bows on their marimbas, so it’s really cool.” Dwyer said he hopes the high caliber of this year’s performances will draw a large number of students to the festival, in spite of what may be an unfamiliar genre. “A lot of people don’t know a lot about jazz, so if they come to the festival, they might not know what they’re going to hear,” Dwyer said. “But it’s always an exciting show because every band comes to the festival with their killer stuff, and students get to hear their peers play at a high level.” Gildner said she hopes the festival will help introduce her classmates to a genre of music they are not used to listening to. “We want to get more students involved with the festival because there’s a generation gap with jazz,” Gildner said. “It’s a great art form, so it’s cool to have the opportunity for students to experience it on campus.” Performances begin at 7 p.m. Friday and Saturday in Washington Hall. Admission is free for all Notre Dame, Saint Mary’s and Holy Cross students, but advanced ticketing is recommended and available in the LaFortune Student Center box office. For the general public, tickets are $5 per night or $8 for both nights. An individual ticket is required for each night of the festival.
The Vermont Community Foundation has been helping donors give to the causes and organizations they care about since 1986. It is Vermont’s largest homegrown grantmaker. Together, its family of over 600 funds invests more than $18 million annually in Vermont through grants, loans, and other investments. In addition, it helps keep Vermont’s nonprofit community vital by offering endowment management and planned giving services, and providing leadership in charitable giving of all kinds. Visit www.vermontcf.org(link is external) or call 802-388-3355 for more information. The Vermont Community Foundation and the Vermont Agency of Agriculture announced that the Vermont Farm Disaster Relief Fund has awarded $897,300 to 126 farmers affected by Tropical Storm Irene in the fund’s fourth round. To date, the grant committee has received applications from 210 farmers and has awarded grants to 171 farmers totaling in excess of $1.5 million. As of December 22, total contributions received or pledged to the fund exceeded $2.25 million. For the fund’s fourth round, the grant committee continued to accept applications from farmers who have not yet applied to the fund and revisited applications from farmers who have already received funding, in order to assess remaining need and consider awarding additional grant money. Each farmer who had previously received a grant from the fund was mailed a letter and form requesting an update on total losses from the storm and the support they have received to help address those losses. The grant committee received 49 new applications and 108 responses with updated information. In this round, 77 farmers who had already received a grant from the fund were awarded additional resources. ‘We are thrilled to have reached some farmers who had not applied to the fund before and to have revisited over 100 applications. Distributing the funds is a priority, but we also want to stress how important it is to reserve some funding to address emerging feed issues over the winter,’ says Chuck Ross, secretary of the Vermont Agency of Agriculture. ‘Come January, these resources will be available for farmers facing emergency feed needs.’ ‘It is because of the generosity of everybody who has donated to the fund that we are able to award grants of up to $25,000 to those farms that were hit hardest in the storm,’ says Stuart Comstock-Gay, President & CEO of the Vermont Community Foundation. ‘It’s extremely rewarding work. We know that this funding will not meet all of the farmers’ needs, but the support will help them through what will likely be a hard winter.’ The grant committee includes representatives from the Vermont Community Foundation, Vermont Agency of Agriculture, NOFA Vermont, Vermont Farm Bureau, Rural Vermont, Rutland Area Farm and Food Link, and University of Vermont Extension. Grant decisions are based on a number of factors, including total losses and overall need. The grants will help farmers replace infrastructure, seed, feed, livestock, supplies, and equipment lost as a result of the storm, to the extent the losses were not covered by insurance or other sources of income. The grants can also be used to help pay outstanding bills such as farm mortgage costs, land lease payments, or animal feed bills. According to the Agency of Agriculture, a rough estimate of farmland impacted by Irene exceeds 20,000 acres; a conservative estimate of crop losses and crop land damage needing repair exceeds $10 million dollars. A total of 463 Vermont farms have reported damage to the United States Department of Agriculture. Visit www.vtfloodresponse.org(link is external) to learn more about the fund, to make a contribution, or to read about farmers who have received grants from the fund. The website was created by the Community Foundation to provide detailed, updated information about the Foundation’s Irene recovery efforts, including grants available and grants awarded. It also has a useful resources section with a comprehensive list of flood resources and information about Irene recovery work being done by other organizations.The Agency of Agriculture works to facilitate, support and encourage the growth and viability of Vermont agriculture while protecting the working landscape, human, animal and plant health and the environment. Visit www.vermontagriculture.com(link is external) for more information.
By Dialogo May 24, 2012 A new group of 24 Salvadoran soldiers emerged in February 2012 as the most recent graduate combat medics from a course originally developed by U.S. military. This comes as the culmination of a “train the trainer” program launched jointly by the Peruvian Military and the U.S. Southern Command (SOUTHCOM) Surgeon General one year earlier. In February 2011, a collaborative assessment between medical and operational leaders from SOUTHCOM and Peru’s Military, brought to light the importance of reinforcing the front-line medical response capabilities of Peruvian armed forces members deployed in the Apurimac and Ene Rivers Valley (VRAE), a coca-growing region and hub for narcotrafficking activities in south central Peru. At the time, Colonel Doug Lougee, SOUTHCOM Surgeon General, developed the Tactical Combat Life Saver (TCLS), a customized combat medical course designed to provide students more advanced and relevant combat medic skills for their specific duties in a remote terrain with difficult access. Col. Lougee and his team also supplied them with first aid kits used by U.S. troops in Iraq and Afghanistan. Trainers from the Defense Medical Readiness Training Institute (DMRTI) in Fort Sam Houston, Texas, participated in developing what became a tailored and standardized ‘train-the-trainer’ medical course geared to soldiers from all services who were fighting on the front lines, and who had some prior experience in leadership or teaching positions. The initial TCLS course consisted of 28 Peruvian soldiers who were trained in combat medicine, first aid, patient evaluation and improvising stretchers and tourniquets, among others. In order to maximize this shared investment and with a vision for a long-term program, they received an additional two days of teaching skills to become trainers themselves. In the year since the initial TCLS launched, Peru has not only trained 800 additional service members deploying to the VRAE, but has another 3,000 soldiers scheduled to receive the TCLS course in 2012-2013. The South American country’s military has adopted the course as its own by making it a standard requisite for all service members in that region, as well as for those involved in Peace Keeping Operations (PKO). In fact, as a sign of their commitment, the Peruvians purchased 3,000 first aid kits following the first course, which they are distributing to the participants of each subsequent class. By August 2011, other partner nations, including El Salvador, had expressed their interest in receiving the same training. But instead of having the original U.S. trainers conduct it, SOUTHCOM, together with the U.S. country team in El Salvador and the Salvadoran and Peruvian military leadership, adopted an initiative to “pay it forward”: the Peruvians would teach the course to a group of 24 Salvadoran military members. During this opportunity, U.S. participation was limited to an observatory role. “It was the first time that certified Peruvian Military personnel trained a partner nation’s military on topics related to combat medicine so that they are able to replicate the course in their country,” said Commander Guillermo Cedrón Vera, the coordinator for the course in Peru and a medic at the Peruvian Air Force. The first group of trained Salvadorans then followed their Peruvian counterparts’ example and continued branching out by taking the lessons learned to their military brethren. Twelve Salvadoran instructors traveled to Peru to refine their teaching skills by assisting in a Peruvian-led training for 60 more VRAE-bound service members. They then returned to their home country to continue teaching. At that opportunity they taught over 100 Salvadoran service members in two back-to-back courses for groups of soldiers headed to Afghanistan and Lebanon. Lieutenant Diana Reyes, a Salvadoran service member participating in the inaugural course in February 2012 commented, “Soldiers receive skills [during the training course] that are very useful in any type of mission and peace operation that they are assigned to… this improves the combat effectiveness of any service member.” The Salvadoran military currently has 200 TCLS-trained service members, the efforts of which have been directed at PKO. The initiative has positioned them as the first Central American country to have a combat medic specialty as part of their military training. “It has been extremely gratifying to see our partners in El Salvador and Peru sharing their experiences,” said Col. Lougee. “What is great about the TCLS program is that we are now seeing further development of a region-wide capacity in these critical battlefield skills,” added the Surgeon General.
I get it, I really do. Having the technology/data center you are responsible for right across the hallway can be comforting. For thirteen years, I oversaw a large CU’s Information Technology infrastructure and saw it grow from a handful (5 maybe?) of servers upwards to around 80 or more! And that isn’t including the myriad of “appliances” needed to protect that infrastructure – dual firewalls, load balancers, routers, switches, IDS/IPS, etc. The floors of that data center gleamed and physical security was tight – after, it was “my” data center. And while DIY (in-house) as a concept can work, the challenge is resourcing it to the level where it doesn’t interfere with achieving your credit union strategic goals. Let’s look at the top reasons DIY (in-house) fails for most credit unions today.Technology Plans Are Slowing Down Your Credit Union Strategic Plans – You probably just went through your proposed 2016 IT budget plans with your board and technology committees. In some cases, you may have even aligned these with strategic initiatives such as member experience and staff efficiencies. And while these are a great start, we’re seeing credit union’s defer major strategic goals due to IT resourcing. Hardware/Software upgrades, virtualization and security initiatives are not only using up all of your IT’s work hours but also your annual IT spend. I’ll lay it out very simply:Your credit union has 11 major initiatives planned for 2016 – all of which require some level of support from your IT team. continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jovilyn Herrick Jovilyn Herrick represents PolicyWorks as a Director of Compliance Consulting Services. She has over 20 years of credit union experience and expertise in areas such as compliance, operations, marketing, and … Web: https://www.policyworksllc.com Details Historically speaking, the risk of robberies and other forms of theft is greatly increased during times of chaos. Because they are diligently working to meet an increased demand for financial services and member care – all with leaner staff, fewer operating hours, and restrictions on in-person appointments – it’s easy to see how credit union leaders may be pulled away from prudent mitigation of robbery risks at this time. But, it’s never been more important.In many ways, now is the perfect time to arm staff with the tools they need to protect the cooperative. Here are a few things credit union leaders may want to consider integrating into the workday over the next few weeks:Contact Area Police Departments: Reach out to the robbery divisions of your local law enforcement agencies to see about any observed or anticipated robbery, burglary or theft trends in your area. Ask them to share as many details as possible with you about perpetrators or methods they expect nearby criminals to deploy. Share what you learn with the employees who will be staffing your branch locations, and adjust or increase security measures accordingly.Touch Base with the Alarm Company: Similar to your check-in with law enforcement, ask your security provider to share any information they have about particular threats either in your community or among similar-sized credit unions in other areas of the country. Use their knowledge to better tailor your prevention strategies to the most relevant risks. Ask them about testing your alarms or if they have any other recommendations around actions for businesses dealing with various forms of pandemic disruption. It may also be a good idea to make sure your alarm company has the current contact information for your authorized personnel, given the staffing changes you may be undergoing.Host a Training Webinar: Using a secure, private virtual conferencing platform, provide a high-level version of your credit union’s robbery policies and procedures training. Consider hosting it from the branch if local restrictions on business operations and quarantining allow. This will enable you to make the training as personalized to the branch as possible, and will also help staff better visualize how to respond during a robbery in progress.Run a Virtual Mock Robbery: Practice your robbery procedures in a Zoom, Webex or Microsoft Teams environment. Assign participants different “roles,” such as criminal, teller, robbery kit contents distributor and first-responding police officer. Have each employee describe what he or she is doing. Use the virtual tool to create digital assignment cards, physical description forms, an incident report and any other documentation that is a part of your credit union’s unique robbery response procedures.Check in on Your Robbery Kit: If local restrictions allow, visit each of your branch locations to visually inspect your robbery kit. Is it stocked with everything it should be? Are the appropriate and most relevant contact details included and up to date? Use branch downtime to get them up to snuff.Even in the most normal of times, a robbery has long-lasting impact on the victimized credit union that often goes far beyond financial losses. While it will take an extra bit of work during a time when staff may already feel overloaded, the peace of mind that comes with training and preparation will be well worth the effort.
And that the sun and the sea have not been enough for a long time, they are aware on the island of Rab and pay special attention to the development of various events, such as: Kantuna, Underwater Photo Marathon, Kanata and the Most Beautiful Advent in Rab to the Sand Sculpture Festival, Pumidorfest, Krumpirfest Samba Festival, etc .. all the way to the Rab Fair as a top event that develops from year to year. The island of Rab was one of the favorite destinations for tourists this season as well, so it achieved more than two million overnight stays. Representatives of the island expect excellent results in the upcoming season, and many tourists on the island, with clean sea, lots of sun, sports trails and famous Rab gastronomy, expect a variety of interesting destination events. “We are continuously working on the development of our events, which are increasingly becoming a motive for the arrival of tourists throughout the year. We really offer something for everyone, from cultural, entertainment and sports to gastronomic events, and I would especially like to emphasize the coming of age of Fjera, which will celebrate its 130th edition in this jubilee year, when we celebrate the 18th anniversary of tourism. I am also happy that this year we will have a number of investments in accommodation facilities, which ultimately means raising the quality of the destination itself, and thus further work on repositioning it. “, said Ivana Matušan, director of the Tourist Board of the City of Rab. Representatives of the Tourist Boards of Rab and Lopar announced today in Zagreb the tourist season on the island of Rab. On Rab, they see their opportunity in sports tourism. As of this year, the island of Rab bears the flattering title of European Sports Island, the first of its kind in history. Thus, in accordance with the development of sports tourism, an outdoor offer of content and sports events such as Rab island trail and 4 Island MTB are being developed. At the presentation in Zagreb, there was a real island atmosphere for which the Draški white masquerades, masquerades from Lopar and folk singers were responsible. They presented to the guests and citizens of Zagreb a part of the masquerade customs and carnival events on the island of Rab, as well as their guest offer. At this year’s Days of Croatian Tourism in Hvar, the most famous Rab event, Rabska Fjera, was declared the tourist event of the year, and in September the Tourist Board of Rab won the award for the greatest contribution to the development of nautical tourism in Croatia. “Just as the island of happiness is special among the Adriatic islands, so on Rab is the town of Lopar unique for its 22 sandy beaches. The most famous of them is Paradise Beach and if someone can’t find a beach for themselves in Lopar, then they can’t go anywhere on the Adriatic. We have something for everyone, from Robinson beaches to those for pets. In order to additionally brand our beaches, we have been organizing the famous Sand Sculpture Festival for years, which attracts more and more tourists from all over the world every year, and among other events we would highlight the Paradise Samba Festival, Lopar Night and Our Lady.. “, Pointed out Marin Mušćo, director of the Tourist Board of the Municipality of Lopar. By the way, the people of Rab have a number of reasons to celebrate this year.
Finder.com.au spokeswoman Bessie HassanCAIRNS home buyers take about two years’ less to save for a home deposit than in other areas of the state such as Noosa and the Gold Coast.Saving a deposit in southern regional centres can still take first home buyers up to five years, but in Cairns, aspiring investors can be in their own home within 3.3 years.According to money expert, Bessie Hassan of finder.com.au, who has crunched the numbers using average income and median house prices, those who decide their first home will be in Noosa will be saving for on average 5.8 years to get a 20 per cent deposit together.The Gold Coast, 4.9 years, and the Sunshine Coast, 4.8 years, were not far behind.Ms Hassan said those coastal markets were highly populated tourists areas so it was not surprising that they had a higher property price tag and therefore a longer deposit-saving time compared to other precincts within regional Queensland.The research revealed home buyers who can get in the market the quickest where those buying in the Central Highlands, Mackay and Townsville.Ms Hassan said the quicker time to save a deposit was largely due to the lower average house prices in these regions.More from newsCairns home ticks popular internet search terms2 days agoTen auction results from ‘active’ weekend in Cairns2 days ago“If you’re saving for a deposit, check out local property prices in the area and work out what you’ll need for a deposit. Remember, you should aim for at least a 20 per cent deposit so you can avoid paying mortgage insurance,’’ she said.Ms Hassan said one of the quickest ways to cut spending and increase savings was cutting “luxury items’’ such as food delivery services or travel.“Parking your funds in a high-interest savings account or a term deposit may also help you maximise your return and fast-track your way into the property market,’’ she said.She advised potential first time buyers to run an audit on their financial accounts to see if they could be paying less fess or interest as a way of finding more savings.National data from the Australian Bureau of Statistics showed that the number of finance approvals for first home buyers was now at its highest level in eight years.In Queensland, the number of finance approvals increased by almost 10 per cent.REA Group chief economist Nerida Conisbee said while the number of finance approvals for investors and upgraders had dropped, first home buyers were bucking the trend.“We are now seeing the highest level of first home buyers since 2010,” she said.
Dorothy Ella Riley, age 88, of Metamora, Indiana died Wednesday, December 27, 2017 at her residence in Metamora.Born Friday, May 3, 1929 in Franklin County, Indiana she was the daughter of the late Louis T. & Mabel (Keller) Baker. She was united in marriage to Vernon Riley and he preceded her in death in 1992.A homemaker, she had also worked for many years at the Hearthstone Restaurant in Metamora. She was a member of the old Metamora Church of Christ, and had been active with the Metamora Volunteer Fire Department Ladies Auxiliary since its inception. In her leisure time she enjoyed spending time with her family, and loved playing cards, with Poker and Oldenburg Rum being her favorite games.Survivors include two daughters, Dianna (Alan) Carey of Connersville, Indiana, Deborah Moore-Edwards of Metamora, Indiana; her favorite daughter-in-law, Kathy Riley of Batesville, Indiana; 9 grandchildren; 17 great-grandchildren; 12 great-great grandchildren; a sister, Mildred Slagle of Metamora, Indiana and a brother, Louis ‘Bud’ Baker Jr. of Metamora, Indiana.In addition to her parents and husband, Vernon, she was preceded in death by two sons, Tommy Riley and Buddy Riley; nine brothers & sisters; and one great-grandson.Family & friends may visit from 9:30 A.M. until 12:00 Noon on Saturday, December 30, 2017 at Metamora Church of God, 20124 U.S. Highway 52, Laurel, IN.Rev. Wayne Ison will officiate the funeral services at 12:00 Noon on Saturday, December 30, 2017 at the Metamora Church of God. Burial will follow in Maple Grove Cemetery in Brookville, Indiana.Memorial contributions may be directed to St. Jude Children’s Hospital or Hospice of Margaret Mary Community Hospital.The staff of Phillips & Meyers Funeral Home are honored to serve the Riley family, to sign the online guest book or send personal condolences please visit www.phillipsandmeyers.com.