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 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.

The Productivity Commission is to investigate the long-run economic impacts of transport regulatory reforms agreed by COAG in 2008-09 relating to heavy vehicle safety and productivity, rail safety and maritime safety and to make recommendations for further reforms towards a more integrated national market for transport services.

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.

Exploring and Affirming My Life is designed to v help the reader undertake a personal exploration of his or her own life. Often important life issues get overlooked in the bustle of modern living and a guided encouragement to find issues that need to be celebrated or need to be reconciled helps as we grow older. Reminiscence can be a natural process of life but on its own it doesn't always bring out those things we need to focus upon. This book encourages the reader to look at spiritual issues particularly, and to find the joy and the forgiveness which comes when our lives are in tune with the wonderful God who loves us so deeply.

Budget Initiatives and Explanations of Appropriations Specified by Outcomes and Programs by Entity: Prime Minister and Cabinet Portfolio.

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 report has been prepared for the purpose of highlighting several areas of concern I have about governance arrangements in SA Health that contribute to risks of corruption, misconduct and maladministration...." -- page 4.

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 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.

The National Agreement for Skills and Workforce Development (NASWD) was agreed by the Australian, State and Territory governments in 2009 and updated in 2012. The NASWD sets out goals for skills attainment by Australians through the vocational education and training (VET) system and commitments to reforms to ensure that the system is accessible, produces high quality services and operates efficiently. This study will assess progress made by governments against the NASWD, and whether the agreement is still an effective long-term framework for government policy and cooperation.

The purpose of these guidelines is to provide advice to departments and entities on the procedures to be followed when presenting documents to the Parliament.

"We investigate the potential of using high-resolution seismic methods for rock characterization and for targeting of gold deposits at the St. Ives gold camp. The application of seismic methods in hard-rock environments is challenged by complex structures, intrinsically low signal-to-noise ratio, regolith distortions, and access restrictions. If these issues can be addressed, then the unparalleled resolving power of reflection seismic can be used for mineral exploration. Appropriate spatial sampling of the wavefield combined with a survey geometry design and rigorous data processing to incorporate high fold and long offsets are necessary for creation of high-quality seismic images. In the hard-rock environment of Western Australia, accurate static corrections and multiphase velocity analysis are essential processing steps. This is followed by a rigorous quality control following each processing step. In such a case, we show that the role of reflection seismic could be lifted from mere identification of first-order structures to refined lithological analyses. Five deep boreholes with sonic logs and core sample test data wer eused to calibrate 2D seismic images. Despite seismic images were produced with relatively robust scaling it was possible to achieve reasonably high seismic-log correlation across three of the tightly spaced boreholes using a single composite wavelet. Amplitude-versus-offset (AVO) analysis indicated that gold-bearing structures may be related to elevated AVO effect and increased reflectivity. Consequently, partial stack analysis and acoustic and elastic inversions were conducted. These results and impedance crossplots were then evaluated against known gold occurrences. While still in the preliminary stages, hard-rock seismic imaging, inversion, and the application of AVO techniques indicated significant potential for targeting mineral reserves" -- Summary.

"A special challenge of hard rock exploration is to identify targets of interest within complex geological settings. Interpretation of the geology can be made from direct geological observations and knowledge of the area, and from 2D or 3D seismic surveys. These interpretations can be developed into 3D geological models that provide the basis for predictions as to likely targets for drilling and/or mining. To verify these predictions we need to simulate 3D seismic wave propagation in the proposed geological models and compare the simulation results to seismic survey data. To achieve this we convert geological surfaces created in an interpretation software package into discretised block models representing the different lithostratigraphic units, and segment these into discrete volumes to which appropriate density and seismic velocity values are assigned. This approach allows us to scale models appropriately for desired wave propagation parameters and to go from local to global geological models and vice versa. Then we use these digital models with forward modelling codes to undertake numerous 3D acoustic wave simulations. Simulations are performed with single shot and with exploding reflector (located on extracted geological surface) configurations" -- Summary.

"Researchers of DETCRC 3.1 project acquired substantial experience in seismic exploration of Nickel deposits across Yilgarn craton, Western Australia. There are many lessons learnt and various approaches trialled. The validity of the research conducted and the outputs achieved were verified against real field data provided by the sponsors and affiliates to DET CRC. Research quality was scrutinised by publishing in high level journals. In general high quality images are achieved over nickel rich Kambalda province that allowed for an accurate structural interpretation. Rock identification and characterisation is still challenging particularly due to lack of calibration of seismic images with borehole logs and borehole seismic. Several case histories are documented and briefly analysed. The difference between Komatiitic nickel deposit of Australia and Canada is also commented in light of seismic response and required technology for its detection" -- Executive summary.

"This document is intended to summarise the current state, understanding and the use of seismic reflection method for mineral exploration. Its primary objective is to provide a point of reference, based on actual case studies, for mineral explorers interested in the application of seismic methods to their project. It provides summary information (including the purpose of the survey, acquisition methods, geometry and cost, processing procedures and key findings) that are intended to provide the reader with an objective means of assessing the cost effectiveness of the technique with respect to exploration objectives. It is also aimed at exchange of information between DETCRC sponsors, affiliates and researchers. Finally we hope that this table will help in shaping future research efforts and direction within Project 3.1, regarding the application of seismic for mineral exploration.This is only initial work and it is hoped that it will evolve into a document or a catalogue that will be extensively used by the mineral industry to achieve their exploration objectives in more efficient and effective way" -- Executive summary.

"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.

City planning -- Remote sensing.

Beastie Boys (Musical group)

Tohoku Earthquake and Tsunami, Japan, 2011.

Science fiction -- History and criticism.

New South Wales. Army. Sudan Contingent.

Smith, Steve.

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

Self-actualization (Psychology)

Motion pictures -- Reviews.

Libraries.

Food security -- Australia.

Parent and teenager.