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.

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.

Minister for Asylum Deterrence & Foreign Investment, Peter Ruddick, is en route to the remote Pulcherrima Island, the site of his latest privately-run, fast food chain-inspired detention centre. But chaos ensues when Peter misses his connecting flight and finds himself confined to the visa-free zone of the Turgrael airport, without a business lounge in sight.

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.

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.

From Trash to Treasure is an intensely honest account of a life powerfully redeemed and is a demonstration of the goodness of God. Lee Habbershaw's journey to recovery from sexual abuse moved me to tears - sometimes in compassion, but often in joy. The book is rich with the landmark of life events and Biblical truths which, layer by layer, led Lee into the powerful teaching and counselling ministry she operates in today. This book could change your life (page 7)

Australian author Trish Morey returns with a compelling and moving story about broken friendships and the rocky road of forgiveness. Coming home was never going to be easy ... With a failed marriage behind her, and her career dreams in tatters, Sarah returns home to Lord Howe Island to run the family store. Paradise to most, Lord Howe is the last place Sarah wants to be, trapped on an island with her two ex-best friends, Floss and Jules. Floss has the life she always wanted: married to her high school sweetheart, Andy, with five gorgeous children. But something is missing from her marriage. And now she has a secret that threatens to tear her happy family apart, and the only person she can talk to is the woman who pushed her away. For Jules, forgetting the past is impossible. Her four-year-old daughter is an everyday reminder of the friendships she has lost. But when a discovery turns her life upside down, she knows this is an opportunity to set things right. This summer, can these women overcome the pain of the past and find their way back to the friendship they once had?

Beastie Boys (Musical group)

Prediabetic state -- Prevention.

Diabetes in pregnancy -- Treatment -- Popular works.

Smith, Steve.

Gould, John, 1804-1881. Monograph of the Trochilidae, or family of humming-birds.

Self-actualization (Psychology)

Democracy -- Australia -- History -- 21st century.

AIDS (Disease) -- Illinois -- Chicago -- Fiction.

Fleming, John Henry, died 1894.

Elizabeth I, Queen of England, 1533-1603 -- Sexual behavior.

Hypertension -- Diet therapy -- Recipes.

Food.