by Terri

by Terri

Welcome!

Road sign

TerriHere at my log cabin, you will find a large variety of unique handmade country and primitive crafts, such as candles and fixins, potpourri, faux desserts, wreaths, floral, tole painted art works, treenware, folkart originals, one of a kind creations, whimisal whatnots, homemade soaps, bath & body, gift baskets and so much more! I also offer antiques and vintage wares now and again. I hope you will find what your heart desires!

Thanks for stopping by!

Terri

How did SISTIC abuse its market power?

The Esplanade

The Esplanade was a major shareholder as well as customer of SISTIC in the time that the violations took place

As a recent development CAB (Competition Appeal Board) of Singapore, has turned down the appeal by SISTIC, the Singapore’s leading ticketing portal, against an order by CCS (the Competition Commission of Singapore) that has found SISTIC guilty of using its leading position to make exclusive arrangements with event managers thereby misusing it to earn unwarranted gains and killing competition. This is one of the landmark judgments, giving a clear message to all other companies entering into such exclusive arrangements.

The Background of the Case

SISTIC earns its revenues by acting as middleman between ticket buyers and the event promoters. It entered into exclusive agreements with event promoters, by which in order to hold their event at some specific avenues, they were bound to sell tickets through SISTIC only. Some of the agreements that are under scanner are:

a)      The agreement with and The Esplanade Co. Ltd. (“TECL”) that mandates that all events that are organized at the Esplanade venues will sell their tickets through SISTIC only.

b)      The agreement with SSC (Singapore Sports Council) that makes I mandatory that all events held at Singapore Indoor Stadium, will sell their tickets through SISTIC only.

There are 17 other similar agreements that lay down restrictions for the event promoters to use SISTIC as the ticketing service provider.

CCS issued notice to SISTIC to be at default for misusing its dominant position. SISTIC, with more than 90% market share, entered into exclusive agreements, thereby limiting the choices for event promoters, event managers and the buyers of tickets. Such arrangements have resulted in SISTIC misusing its position leading to increase in ticketing fee several times. In its decision, CCS directed SISTIC to remove all such binding clauses from the agreements with event promoters and venue operators that force them to sell their tickets through SISTIC only. For violating clause 47 of the Competition Act, SISTIC was also fined by S$989,000.

SISTIC contested the CCS decision in CAB, arguing that their agreements are not detrimental to competition and that they are not the leading open ticketing service provider. They tried to prove that their agreements are not in violation to the anti-competition act.

The CAB heard the case and in the end upheld the decision of CCS against SISTIC, ordering that the high market share of SISTIC over years is an indication of its dominant position. After studying the agreements, it gave the decision that the terms of the agreements were indeed stifling to the competition, thereby weakening the growth prospects for other open ticketing service providers.

As both TECL and SSC have commercial interests in SISTIC, CAB withheld that all these entities have created a barrier for entry and growth of other open ticketing service providers in Singapore. CAB also mentioned that these arrangements have not created any appreciable economic advantage for all stakeholders, other than serving the purpose of SISTIC and weakening competition. The intent was found to be to use dominant position to earn unwarranted gains.

The Conclusion

The decision by CCS/ CAB is indeed a landmark judgment that can be used as precedence to warn all such entities that try to use their dominant position to manipulate the market and stifle competition. It has created the way for a level playing field for other new entrants in the field of open ticketing services in Singapore.

The Basics Of Duct Cleaning

Air pollution has long been an issue. The issue of indoor pollution has also been increasing. Many contaminants can be found in your heating, ventilation, and air conditioning (HVAC) systems. These contaminants will negatively affect your health and that of your family. Because of this contamination, there are several companies that will clean HVAC systems, or sell you products that can improve your indoor air quality.

Cleaning indoor air systems, including heating and cooling, is referred to as duct cleaning. Duct cleaning cleans air ducts, heating and cooling coils and other units within your home that handle the movement of air. If your HVAC system is improperly installed, or poorly maintained, it can gather dust and other debris. If you live in a humid environment or if moisture is a problem, then mold can grow in your HVAC system, and be released into your home. The mold, dust, and other contaminants can lead to allergic reactions to this inside the home.
 
Be sure to find a reputable service provider if you want to have your duct cleans. Let them know of all of the heating and cooling components in order to receive a thorough cleaning. If just one unit is missed, you may still find contaminates coming into your home, and it may lead to contamination of the other units. Make sure that the service provider is qualified to clean your ducts, and make sure that they use the right tools to remove all of the dirt and dust. Some providers will use chemical treatments in your HVAC system to make sure that all of the surfaces are cleaned, and that will retard the growth of mold.

You should know when the air ducts in your home need to be cleaned. Each home and each HVAC system has different needs. There may be no indications that your ducts are contaminated if no one in your home suffers allergies or unexplained sickness from dust or mold. If so, then you may not need to have your ducts clean. Air ducts commonly collect dust, but it does not necessarily mean that the duct is contaminated with large quantities of dust. Routine vacuuming and cleaning can remove normal amounts of dust from your ducts.

When someone in your home has an unexplained sickness, or are suffering allergies, it may be caused by something in your air ducts. Before you spend a lot of money on cleaning, however, talk to your doctor and determine if the illness is caused by the home environment. If so, then the situation probably requires a good cleaning of the ducts.

You may want to take precautions, and have your HVAC systems cleaned anyhow. Obviously, you should have them cleaned occasionally to prevent any health problems. The air ducts should also be cleaned from time to time in order to keep everything working well.

If your duct cleaning service provider doesn’t follow proper cleaning procedures, then the cleaning process can cause problems rather than preventing them. If their vacuum collection system is inadequate, it can release dust, dirt, and mold into the air, possibly more than if you had not had the ducts cleaned. Poor training and carelessness can lead to damage to your air ducts and HVAC systems. This may increase your heating and cooling costs, or lead to expensive repairs or replacement.

The following are some of the instances in which duct cleaning needs to be done:

1.    There is visible mold growth in or on your HVAC system. Many systems can be easily inspected. If mold is found, then you should consult an expert to determine what, if any cleaning measures need to be taken.

2.    You need to clean the ducts if they are infested with insects or rodents.

3.    If there are large amounts of dust clogging the ducts and HVAC system, and if the dirt and dust are being released into the home, causing allergic reactions or other illnesses.

Health problems can be prevented by air duct cleaning. Research shows that the level of dust in a home increases when the air ducts are dirty, and decreases after the air ducts have been cleaned. The dirt and dust in the air ducts may contain allergens which will cause illnesses. Dirty air ducts, however, may just be one possible cause of allergens. Allergens can also come from outside the home, or from other activities within the home. These allergens may also come from cooking or smoking.

If you think your home could use a good duct cleaning, then talk to a professional. Have them come in and inspect your home and HVAC system. The company that sold your HVAC system or maintains it may be helpful in providing advice. Do not be afraid to ask questions about what you may be experiencing from dirty air ducts.

Getting Business Funding with Bad Credit

Poor credit can disadvantage you from accessing most commonly available loans because lenders are wary of you defaulting repayments. It is worse if the unfavorable credit status is pinned to poor financial management but there are still options such people can explore to get financing.Such facilities may not be mainstream sources of lending but they nevertheless provide a channel for sourcing funds. Secured loans are available to most people with assets that can be used as collateral. Creditors may require that you provide a logbook, title deed, stock and/or bond certificates or savings as leverage.Your property is used as collateral or security for the loan once you are awarded. It may sound risky for borrowers but for those with a poor credit status it is a good last option. Those buying houses may have difficulty settling the down payment so that they can secure a mortgage.The Federal Housing Administration provides grants to first time home owners. These grants don’t have to be paid back but you may be required to meet some set criteria and attend training before you are considered eligible. For those that need funding quickly, and cannot wait, some lenders can provide high risk loans or small business credit lines.Of course, people with low credit score cannot secure most bank or government loans leaving them with few options. Most high risk loan lenders operate via the internet. It is a huge gamble but if you are really caught between a rock and a hard place this might be your ticket out of a bad place. Just make sure you pay back.Most credit corporations may be lenient to people with a poor credit history if they agree to take loans through a co-signer. A co-signer is a credit worthy person who will vouch for your eligibility. In some institutions you can borrow in his/her name depending on their credit status, but you would need to apply for an unsecured business loan in this case to prevent them from having to place their own assets as collateral.This method may not really help improve you financial credibility but it will get you what you want. Some private lending institutions provide the option of borrowing through guarantors. Usually the value of your loan is equated to the credit status so that you can only be given an amount which they themselves can repay.They act like collateral for your loan. Entrepreneurs looking to start a small business can seek funding from the Small Business Administration. These loans are more easily accessible for those blacklisted as having bad credit. They have few requirements for eligibility, but these loans do take quite a while to attain.If your lack of good credit standing is because of a socially disadvantaged background rather than lack of shrewdness, this might be the option for you. The guarantors will be inclined to consider your business plan and its practicality and viability rather than your background.Getting the right business funding can be difficult, but with the right research and due diligence, you can find the right loan or line of credit, with the right terms, that fits your specific financial circumstances. The key is to request transparency of all the criteria for funding prior to applying, then to take a fundability assessment to determine if you are eligible for that specific financing option.

TPD Insurance And Life Cover – Similarities And Differences

Both Total and Permanent Disability insurance coverage and life cover are essential insurance options for each individual. In fact, these insurance covers are just as essential for a homemaker, as they are for an earnings earner. Really, the annual earnings value of a 25 – 44 year lady, who only handles household chores, caring for children and shopping, would total up to $45,617 (based on a 2003 report by the Australian Bureau of Statistics, titled “Measuring the Value of Unpaid Household, Caring and Voluntary Work of Older Australians”).

One significant similarity in between life and TPD insurance coverage is the financial security offered by the lump sum payment that you or your household receives in case you die, suffer lasting impairment or end up being terminally ill. There are various other resemblances and distinctions between these 2 types of insurance covers.

What It Is?

A life cover (likewise called fatality cover) would just give a lump sum payment in the circumstances that an insured individual dies or has a terminal health problem with a life expectancy of less than 12 months. On the other hand, TPD insurance would provide a lump sum payment in case you are incapable of ever working once more due to a handicap. Various kinds of TPD plans offer payment for different types of seriously disabling circumstances.

Why You Need It

Regrettably, lots of people don’t understand their requirement for TPD and / or life cover. This appears from a 2008 study by One Path Life, which disclosed that 89 % of Australians matured 25 to 65 years considered themselves unlikely to have an accident (that would make them incapable of working) within the next 20 years. Such an understanding is definitely mistaken, given that about 20 % of Australians aged 21 to 64 years will suffer a regrettable event in their lives, leaving them incapable of working.

Many occurrences may leave you completely disabled. These include: unanticipated accidents, work environment injuries, or contracting a terminal disease with no history in your immediate household. All these could render you incapable of ever working again, meanings that you and your household would need to do without the incomes you would have gotten all through your working years up until retirement.

Both life and TPD cover offer the much needed monetary security that allows you and your family to purchase food and clothing, pay for your kid’s education and settle the mortgage. Furthermore, TPD cover will ease the burden on your loved ones in supplying you with sufficient medical care. This is specifically vital, because you would be dealing with long-lasting impairment.

Who Receives The Money?

When it come to TPD insurance coverage, you would get a lump sum payment in the event of health problem that makes you incapable of working. With life cover, the lump sum payment will be made to a certain person nominated to receive it, after the insured person dies. This suggests that the recipient would figure out how the cash is used.

Nonetheless, if you wish the most benefit for your loved ones whom you leave behind, you need to be keen on the level of cover that you take. This is an essential element given that Rice Warner Actuaries estimates that the conventional life cover within incredibly would only provide an average of 20 % of what your family would require.

Tips To Improve Your Arts And Crafts Projects

YQuiltou can use arts and crafts to make money. From scrapbooking to quilting to sewing, the different arts and crafts skills waiting for you can turn your free time into a productive and enjoyable asset. Learning all you can about this hobby is key, so start by reading great tips in the content below.

Would you like to know where to find the best craft supplies? You can find everything you need on the Internet. Check on Google to find great deals. They even can provide free shipping in certain instances.

There are quite a few things you can use for crafting. Any disposable paper goods are great choices. You can even use paper rolls from your bathroom. Magazines and newspapers can also be used. Reconsider everything you plan to throw out.

Keep in mind that arts and crafts with kids are going to be messy. To avoid this, use newspaper or butcher paper to gather glue and glitter. Consider making use of washable materials, such as adhesives and markers.

If you can’t find the supplies you need, look at thrift stores. A lot of thrift stores and consignment stores have plenty of items for artistic inspiration. You need to go regularly, since the merchandise turns over often.

Take it step by step and only concentrate on one thing. When doing arts and crafts, it is tempting to do all kinds of projects and to start all kinds of crafts. However, that is how projects remain unfinished! Spend the time necessary to complete each project before beginning a new one. You’ll get more done this way.

When making projects with children, remember to keep things flexible. If you do not provide an example, or show several different types, it will allow your children to rely on their imaginations. Let them use their creativity for interesting ideas. It is important to allow them to express their creativity.

craft supplies

Take the time to organize your supplies. There are lots of ways to store them, so find something that works best for you. If you stay organized, finding needed items will be a breeze. You will also know what supplies you have, or need.

If you are an oil painting novice and do not like your first attempt on the canvas, just paint over it. You can do that with oils, and the additional layers of paint won’t affect the surface of the canvas. In fact, you might even realize incredible depth doing this.

Make a bird feeder. Get a plain pine cone, and smear the whole outside with peanut butter. Kids love this. Roll the peanut butter coated pine cone in birdseed for an instant bird feeder. The peanut butter gets the seeds stuck, which stay even once dried. Attach it to a tree or structure with a string, and everyone can enjoy the birds coming.

Ensure you have the necessary supplies before starting a project. Don’t start just to realize you need something you don’t have. Make yourself a list and check it twice before you start your project.

Instead of buying presents, make them. Personalize each to make it more special. People will appreciate the things you make with your own two hands so much more than store-bought items.

All craft enthusiasts love Etsy. Etsy allows you to find hard to find craft items for your projects. You may use Etsy as a way to sell your own projects.

You can make anything you want to make because of the tips here. Use them one by one to make arts and crafts the enjoyable experience you’ve dreamed of. In time, you will notice your projects getting better and better and soon becoming an exceptional creation.

The Invisible Orthodontist – You Shouldn’t Have To Lose Face To Fix Your Teeth

For many people, straightening their teeth is an important step toward regaining their self-confidence. The perfect smile, unfortunately, frequently does come at a cost. Before things can get better, they do sometimes need to get worse first. Frequently braces draw lots of attention on your mouth. Honestly, not too many people in this world are able to pull the look off. You may not be too crazy about your appearance. Therefore, making it worse in order to improve it may not be something you are too crazy about. Fortunately, due to medical advancements, you can completely avoid this problem.

The Solution

When it comes to orthodontics, invisible braces might be the greatest thing ever. The idea for this kind of braces has been around ever since the 1940s. However, it is only in the past ten years that their popularity has soared. The only thing that is similar about more traditional braces and invisible braces is they both get use for permanently straightening your teeth over a certain amount of time. Invisible braces are removable, undetectable and comfortable. They are perfect if you have hesitated to get braces put on your teeth.

How They Work

Typically invisible braces are made with an aligner or plastic tray. It resembles the mouth guards that many athletes use. However, a plastic aligner gets custom made so that it fits your teeth. Instead of brackets and wires that are used for traditional braces, force is applied by the plastic tray to gently and permanently move your teeth in their desired positions.

It takes a while for the straightening process. It takes place in predictable increments. After your teeth move a certain distance, you get a new aligner fitted. With each aligner you are closer to your ultimate goal, which is having an amazing new smile.

Another big advantage that invisible braces have compared to traditional ones is it isn’t necessary for you to ensure the painful process that tightening the screws brings. Any time one aligned is switched for another one, you know your treatment is seeing positive progress.

Benefits

To provide trays that will give your teeth a perfect fit, the orthodontist will take x-rays along with 3-d computer impressions and imaging.

Each step in the whole process gets mapped out. That way you will be able to see what the end result will be. You will be able to decided whether or not you are happy.

If you consult with an experienced and expert orthodontist, it should be possible for you to make any needed adjustments to the plan so you can reach the finest possible result. This exciting benefit is another one that traditional braces don’t provide you with.

Another advantage that invisible braces offer versus traditional ones is that they are very easy to clean. The reason for this is they are made out of very durable plastic and other medical grade materials. Usually, traditional braces are made out of metal, are hard to clean and have sharp edges. Keep in mind it is critical work with an expert and experienced orthodontist who has plenty of experience working with braces. Visit http://gullottaorthodontics.com.au/ now to get more information about invisible braces.

Buying A Coffee Machine

In the hustle bustle of today’s world, there is just not enough time in a day to everything we want. Too many times, we’d have to wake up before the sun even rises and work until the wee hours of the night. We may have short breaks in between work but there just doesn’t seem to be enough time to get the rest we properly need.

For this reason, many people rely on coffee and different energy products just to keep themselves awake and alert. With the increasing popularity of Starbucks, most people pass by the ones nearest them just to get their daily dose of coffee. However, Starbucks, along with other popular coffee shops, sell overpriced coffee. And though many people know this, nobody seems to care. “I need my coffee.” And that’s all that matters.

What’s wrong with this picture, though, is that we work over time for extra money, which we then spend on overpriced coffee that keeps us awake to earn this money. Wouldn’t it be better to use this money on something better? But you need your coffee. Yes, we know. But what if we tell you that there is a way to get your daily coffee fix without having to spend so much on it? Yup, you heard us. It’s possible.

The simplest and cheapest way to get your daily coffee fix is to buy a coffee machine and make your own. It may not turn out as fancy looking as those in coffee shops but it will definitely do its job of keeping you awake throughout the day.

There are many kinds of coffee machines, from the simple ones who only make black coffee to complex ones that can make espressos and lattes of your choice. With all the possibilities, it may be hard to decide which machine to get, especially if you know nothing about the different kinds of coffee and machines. Fortunately, http://coffeemachinesingapore.org can help make it easier for you to choose.

With the purchase of a coffee machine, you no longer have to wait in line and spend countless dollars on getting coffee, you can now have it in the comforts of your own home or office! This will not only save you a lot of time and money, but you will also be able to get countless cups of coffee at your convenience.

It may seem quite costly to buy a coffee machine especially if you are the only one drinking coffee at home. However, rest assured that all the overpriced coffee you buy daily costs far more than the initial cost of a machine. In fact, if you compute the expenses you’ll have for both options, you will see that you’ll be able to save a lot more if you buy a coffee machine.

The popularity of different coffee shops has brainwashed people into getting coffee from them instead of at home. They may claim to have different flavors and mixes but at the end of the day, coffee is still coffee. If you want to be able to save up on expenses, it is advisable to purchase a coffee machine rather than buying overpriced coffee daily.

School Uniforms –How To Save From Buying School Uniforms

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Buying for school uniforms can really be expensive especially that kid’s clothes can be easily outgrown. There may be instances when you will buy two sets in just a one school term since the uniform cannot fit them any-more. When the school term starts, it signals that you have to stretch again your budget for the uniforms and other school stuffs. However, if you have known some ways on how you will have great savings, you don’t have to worry about securing new uniform sets for the kids.

When you choose to shop online, saving opportunities are plenty. The first way to save is to make comparison of prices of the different dealers that offer school uniform products. You will have an idea who among the sellers can offer lesser prices for the same product quality. As you also browse different pages, you will also find out discounted products like when the company is having their anniversary sale or school opening sale and other types of promotional offerings which can only last for few days. It would also help when you sign up for newsletters from the sellers so you will be informed through email if there are price discounts and other promotional offers from them. There are also instances when you are given coupons which you can use in order to get free products are some price off from a certain uniform product you are going to buy.

Buying both from online or offline uniform stores can also make way too saving more money if you will buy in bulk. Once you reach a minimum amount or when you have huge purchases in a single store, you will also be entitled to big discounts and more freebies. It helps to buy more than one set of uniform. If the budget permits, you buy uniform products and other stuffs from a single store so you can accumulate your purchases. If this is no possible, you can as well ask other parents to combine your purchases so you can reach the minimum amount to avail a discount.

Buying from thrift store is also giving you more savings. Pre-loved but in good shape uniforms are sold at more than half of the original price. Some of the uniforms may only need minor repair to fit your kid’s size. Some have missing logos which you can just buy at cheapest price. However, you cannot always expect for complete uniform set from pre-loved items; thus, you have to consider some amount to be spent for repair and to buy other accessories needed.

You can as well visit websites like http://www.schooluniformsaustralia.com.au/boys-uniform-shop.html with uniform exchange services. They usually second hand uniforms or facilitate trading in of the uniforms of a certain school. Do not just let the outgrown uniforms of your kids to just be stocked on your closet. You can either sell them or post on the uniform exchange websites. You can also do the same by organizing your fellow parents in school to have uniform exchange which can be done periodically. This will help you ease some expenses in buying new pairs of uniforms.