# STAR RATINGS REPORT. Package Home Loans

Save this PDF as:
Size: px
Start display at page:

## Transcription

1 2015 STAR RATINGS REPORT Package Home Loans

2 Package Home Loans January 2015 Foreword Buying a home (or investment property) is one of the most significant decisions that many of us make in life. True, it doesn t quite rank with family or career in terms of importance, but it is nevertheless something into which many of us invest a great deal of time, research and emotion. It is probably true that many of us don t spend anywhere near as long researching our home loan options, yet our choice of loan for better or worse can make a great deal of difference to the lifetime cost of owning our home. Currently on our database, for example, Mitchell Watson, Research Manager there is a 1.76% difference between the highest and lowest variable interest rate available for a \$300,000 home loan. Over 25 years on a \$300,000 loan, that 1.76% equates to almost \$95,000 in additional cost. In this report we research 31 Package Home Loans from 28 lenders, analysing both price and features of these packages to determine which ones offer outstanding value for money, both for home buyers and for property investors (noting that the package needs of each are lightly different). Overall, we have found three package loans that offer outstanding value for home buyers and four package loans that offer outstanding value for property investors. Package Home Loans 1

4 The tables below look at the average annual costs associated with the various products held within a package and compare those costs with the equivalent products if held as stand alone (outside a package). In brief, home buyers who take advantage of the range of products available within a package could expect to reap the following overall benefits from a package: On a loan of \$500,000, save \$3, in the first year & \$3, every year after that On a loan of \$300,000, save \$2, in the first year & \$1, every year after that On a loan of \$150,000, save \$ in the first year & \$ every year after that Let s look at the specifics: \$500,000 home loan details Stand Alone Package Difference Interest Rate 5.78% 4.86% 0.92% Establishment Fee \$ \$ /Ongoing Service Fee \$32.00 \$ Repayments \$37, \$34, Total Cost \$38, \$35, \$3, s Fee \$99.00 \$ - \$99.00 s Account Keeping Fees \$72.00 \$ - \$72.00 Premium \$1, \$1, \$ Premium \$1, \$ \$ Sum Total \$40, \$37, \$3, Total Savings in Year 1 \$3, Total Savings year 2 onwards \$3, Home Loan Calculations are based on a \$500,000 loan taken over 25 years with monthly repayments, the Buildings quote is for a sum insured value of \$300,000 and insurance quotes is for the sum insured value of \$75,000. The car insurance quotes are based a male aged years. Other assumptions are outlined under the table on the page below. Package Home Loans 3

5 \$300,000 home loan details Stand Alone Package Difference Interest Rate 5.78% 4.94% 0.83% Establishment Fee \$ \$ /Ongoing Service Fee \$32.00 \$ Repayments \$22, \$22, Total Cost \$23, \$21, \$1, s Fee \$99.00 \$ - \$99.00 s Account Keeping Fees \$72.00 \$ - \$72.00 Premium \$1, \$1, \$ Premium \$1, \$ \$ Sum Total \$25, \$23, \$2, Total Savings in Year 1 \$2, Total Savings year 2 onwards \$1, Home Loan Calculations are based on a \$300,000 loan taken over 25 years with monthly repayments, the Buildings quote is for a sum insured value of \$300,000 and insurance quotes is for the sum insured value of \$75,000. The car insurance quotes are based a male aged years. Other assumptions are outlined under the table on the page below. January

6 \$150,000 home loan details Stand Alone Package Difference Interest Rate 5.78% 5.29% 0.49% Establishment Fee \$ \$ /Ongoing Service Fee \$32.00 \$ Repayments \$11, \$10, Total Cost \$11, \$11, \$ s Fee \$99.00 \$ - \$99.00 s Account Keeping Fees \$72.00 \$ - \$72.00 Premium \$1, \$1, \$ Premium \$1, \$ \$ Sum Total \$14, \$13, \$ Total Savings in Year 1 \$ Total Savings year 2 onwards \$ Home Loan Calculations are based on a \$150,000 loan taken over 25 years with monthly repayments. The Buildings quote is for a sum insured value of \$300,000 and insurance quotes is for the sum insured value of \$75,000. The car insurance quotes are based a male aged years. For all tables: All quotes are based on NSW addresses. The interest rate, fees and insurance discounts utilised are based on the average of the 5 star winners from CAN- STAR package banking star ratings. The credit card chosen for calculation is the product with the top score in the credit card product score under package banking calculations. The deposit account chosen for calculation is the product with the top score in the deposit product score under package banking calculations. Package Home Loans 5

7 FACE-OFF: PACKAGE VS STAND-ALONE Comparing the various types of home loans is necessary before you determine if a package is right for you. The CANSTAR database shows the difference in minimum and maximum rates and what they average out to on an amount of \$300,000 borrowed. The tables below show both variable and 3-year fixed rates for the past two years. The difference may look small but don t be fooled they translate to big dollar savings annually on a \$300,000 loan. Variable Home Loan 3 Year Fixed Home Loan Package Stand alone Difference Package Stand alone Difference Minimum Rate 4.62% 4.69% 0.07% 4.49% 4.49% 0.00% Average Rate 5.05% 5.44% 0.39% 4.88% 4.90% 0.02% Maximum Rate 5.55% 6.38% 0.83% 5.09% 5.30% 0.21% PROS AND CONS OF PACKAGE HOME LOANS Not everyone will benefit from bundling their banking. Your goals, lifestyle and banking habits all play a part in working out what s best for you. Consider the following: PROS Saving money is your ultimate driver. The lower interest rates, premiums and fees will outweigh the cost of the package. Convenience of banking with the one institution appeals greatly. You will use the majority of other financial products included in the package. You intend borrowing at least \$150,000. You receive a flexible, highly featured loan. CONS You won t use the products included in the package, thus get limited benefit. The annual fee is not outweighed by the savings because of the way you use, or don t use, the package. You can find a credit card or insurance better suited to your needs elsewhere. WE DO THE HOMEWORK FOR YOU CANSTAR s package banking star ratings are an annual comparison that gives the consumer a quality benchmark that represents a short list of financial products, rated according to the value for money that they offer. This short list narrows the search for consumers to products that have been independently assessed and ranked. Five-star rated packaged banking products have been assessed as offering outstanding value to consumers. January

8 PACKAGE APPEAL PROFILES As well as those who are buying their dream home to live in, package home loans are also appealing to many investors. For its comparison CANSTAR has created two common profiles, Home Buyer and Property Investor. Each profile values different features, in keeping with the priorities of the two different buyer groups. CANSTAR has analysed and rated packages according to the value they offer these separate groups. After scrutinizing 31 Package Home Loans from 28 lenders, the CANSTAR results show three five-star packages now on the market for the Home Buyer and four for the Property Investor. Home Buyer Profile To this owner-occupier, naturally the most important part of a package is a strong variable rate mortgage. It should still offer a certain degree of flexibility but must remain an affordable loan. The cost-sensitive home buyer will also benefit from a deposit account and a credit card with a simple fee structure. The Commonwealth Bank s Wealth package Newcastle Permanent s Premium Plus package IMB s Platinum package Property Investor Profile Borrowing to invest in multiple properties can mean this borrower has a slightly different package banking wish list. Loan flexibility is right up there. Use of a line of credit or interest-only are options favoured when cashflow needs juggling. A discount on a fixed rate loan is definitely tempting. And lastly, a credit card upgrade fits the bill nicely. The Commonwealth Bank s Wealth package Newcastle Permanent s Premium Plus package Westpac s Premier Advantage package Suncorp Bank s Home Package Plus Congratulations to all five star winners for providing outstanding value to customers. Package Home Loans 7

9 Package Home Loans STAR RATING METHODOLOGY METHODOLOGY What are the CANSTAR Package Home Loan star ratings? CANSTAR Package Home Loan star ratings are a consumer friendly benchmark or value index. CANSTAR star rated products represent a short list of financial products. This short list narrows the search for consumers to products that have been independently assessed and ranked. Five-star rated packaged banking products have been assessed as offering outstanding value to consumers. The CANSTAR Package Home Loan star ratings is based on two separate consumer profiles: Home Buyer and Property Investor. Home Buyer Live in the property Simple fee structures Emphasis on mortgage Property Investor Borrow to invest Flexibility on different loan types May consider interest-only loan Package Home Loan producs must offer a mortgage, credit card, and transaction account in order to qualify for assessment. The CANSTAR Package Home Loan star ratings is an independent and transparent analysis comparing both the Cost and across packaged banking products. How are the stars calculated? and costs for each product are taken into consideration, as well as over 200 features. TOTAL SCORE = PRICING SCORE + FEATURE SCORE Product Score s s Deposits Price Package Terms Package Benefits Benefits Product Choice January YOUR GUIDE TO PRODUCT EXCELLENCE

10 Product Score Home Buyer Profile Product Assessment s s Deposits 90% 5% 5% Property Investor Profile Product Assessment s s Deposits 90% 5% 5% s - Pricing Pricing scores of are based on mortgage cost over 25 years, including interest cost, upfront and package ongoing fees. Pricing Score Feature Score Variable Three Year Fixed \$250k \$500k \$750K Pricing Score - Weightings Home Buyer Property Investor \$250k 50% 40% Variable Rate \$500k 80% 40% 65% 40% \$750k 10% 20% \$250k 50% 40% Three Year Fixed Rate \$500k 20% 40% 35% 40% \$750k 10% 20% s Feature features assessment are based on Canstar Home Loans Star Rating. Profile Everyday Spender Big Spender Home Buyer 80% 20% Property Investor 20% 80% s features and pricing score of a package are based on Canstar Star Rating and are represented by the weighted score based on the Everyday Spender and Big Spender. YOUR GUIDE TO PRODUCT EXCELLENCE 2 Package Home Loans 9

11 Deposits Deposit features and pricing score of a package are based on Canstar Deposit Star Rating and are base on the High Transactor Profile Package Package Banking Categories Weight (%) Descriptions Package Terms 15% Requirements for an individual to obtain this product Benefits 20% Discounted financial planning, share trading and other benefits Benefits 45% discounts on general and risk products Product Choice 20% Number of home/investment loan options How many products and financial institutions were analysed? CANSTAR analysed 64 packaged banking products from 46 financial institutions in Australia. How often are all the products reviewed for rating purposes? All ratings are fully recalulated every six months based on the latest features offered by each institution. CANSTAR also monitors rate changes on an ongoing basis. What do the ratings mean? Ratings range from five to two stars. Five-star rated products have been assessed as offering outstanding value to consumers. How are the stars awarded? The total score received for each profile ranks the products. The stars are then awarded based on the distribution of the scores according to the methodology guidelines. Due to the small number of qualifying products in the Package Home Loan sector, only a maximum of three products from each profile achieve a five-star rating. Does CANSTAR rate other product areas? CANSTAR researches, compares and rates the suite of banking and insurance products listed below. These star ratings use similar methodologies to guarantee quality, consistency and transparency. Results are freely available to consumers who use the star ratings as a guide to product excellence. The use of similar star ratings logos also builds consumer recognition of quality products across all categories. Please access the CANSTAR website at if you would like to view the latest star ratings reports of interest. YOUR GUIDE TO PRODUCT EXCELLENCE 3 January

13 HOME BUYER Variable Rate (% Discounts Commonwealth Bank Wealth Package % 150, % Name Low Fee Gold Masterd Standard Awards Gold Awards Low Rate Masterd Diamond Awards Platinum Awards Name Complete Access Smart Access Streamline Basic Int Saver page 1

14 HOME BUYER Variable Rate (% Discounts IMB Platinum Package % 150, % Name Platinum Masterd Low Rate Masterd Name Everyday UnLtd (Ill,SC) Every Day Account S4 Newcastle Permanent Premium Plus Package N/A % 95.00% Name 2014 page 2

15 HOME BUYER Variable Rate (% Discounts Name Value+ Name Rapid Saver Passbook Statement Savings Acc Everyday Account ANZ Breakfree % 150, % Name First Low Rate Platinum 2014 page 3

16 HOME BUYER Variable Rate (% Discounts Name Low Rate Platinum Name Access Advantage One - 100% Offset Citibank Plus % 200, % 80.00% Name Signature Platinum Name Plus 2014 page 4

17 HOME BUYER Variable Rate (% Discounts NAB Choice Package % 20, % Name Velocity Rewards Premium Premium Visa d Low Fee Visa d Velocity Rewards Premium Masterd Low Fee Masterd Name Classic Banking BankSA Advantage Package % 100, page 5

18 HOME BUYER Variable Rate (% Discounts 95.00% Name Vertigo Platinum Amplify Classic Vertigo Visa Name Complete Freedom St.George Bank Advantage Package % 100, % Name Vertigo Visa Vertigo Platinum 2014 page 6

19 HOME BUYER Variable Rate (% Discounts Name Amplify Classic Name Complete Freedom Westpac Premier Advantage % 150, % Name Low Rate Visa d Altitude Platinum 55 Day Visa d Altitude Black Altitude 55 Day Platinum Visa 2014 page 7

20 HOME BUYER Variable Rate (% Discounts Name Choice Bank of Melbourne Advantage Package % 100, % Name Vertigo Visa Vertigo Platinum Amplify Classic Name Complete Freedom Suncorp Bank Home Package Plus % 150, % 2014 page 8

21 HOME BUYER Variable Rate (% Discounts Name Gold d Standard d Platinum d Name Everyday Options Everyday Options Sub-Acc People's Choice Credit Union Home Loan Package % 150, % Name Visa Name 2014 page 9

22 HOME BUYER Variable Rate (% Discounts Name Everyday Account Offset Account Heritage Bank Professional Package % 150, % Name Gold Low Rate Classic Name Cash Management Account Simply Access Money Manager Account Crusher 2014 page 10

23 HOME BUYER Variable Rate (% Discounts Name Loan Offset Account NAB Private Tailored Pkg % 500, % Name Premium Visa d Low Fee Visa d Premium Masterd Velocity Rewards Premium Velocity Rewards Low Rate d Name Classic Banking 2014 page 11

24 HOME BUYER Variable Rate (% Discounts Qld Police Credit Union Classic Plus N/A N/A 100, % Name Bluey d Bluey Rewarder d Name Classic Plus Mort Offset On Call Savings Account QT Mutual Bank Choices % 150, % Name Platinum Myd 2014 page 12

25 HOME BUYER Variable Rate (% Discounts Name Current Account QT Mutual Bank Teachers' N/A , % Name Platinum Myd Name Current Account Horizon Credit Union Platinum Loan Package % 250, % Name Visa 2014 page 13

26 HOME BUYER Variable Rate (% Discounts Name Advantage 25 Advantage 55 S55 Macquarie Bank Offset Flyer % 150, % Name Visa Gold d Visa RateSaver d Visa Platinum d Greater Building Society Ultimate Home Loan Pac Name % page 14

27 HOME BUYER Variable Rate (% Discounts 95.00% Name Name Access Account Ultimate Account ME Bank Member Package N/A 40, % Name InterestME Savings Ac Ultimate Offset Account Online Savings Account 2014 page 15

28 HOME BUYER Variable Rate (% Discounts Name EveryDay Transaction Accoun BankVic Portfolio % 250, % Name Visa Gold credit card Name EzePay Victoria Teachers Mutual Bank Rewards Package % % Name Visa Platinum 2014 page 16

29 HOME BUYER Variable Rate (% Discounts Name Everyday Account S1 Deeming Account S9 SERVICE ONE Members Bankin Pioneer Banking % 200, % Name Home Loan Visa Name Day to Day Account Bank of Sydney Expect More , % Name 2014 page 17

30 HOME BUYER Variable Rate (% Discounts Name Everyday Saver Smart Net Account Wide Bay Australia Community First CU Freedom Package Accelerator Home Loan , % % 100, % Name Low Rate Visa Cred d Name Basic Offset Saver 2014 page 18

31 HOME BUYER Variable Rate (% Discounts bankmecu First Home Buyers Loan N/A % Name Low Rate Visa Creditd Name Offset Offset First Option Credit Union Packaged Home Loan , % Name Standard Visa ash Rewards Visa Credit 2014 page 19

32 PROPERTY INVESTOR Variable Rate (% Discounts Commonwealth Bank Wealth Package % 150, % Name Low Rate Masterd Diamond Awards Standard Awards Platinum Awards Gold Awards Low Fee Gold Masterd Name Smart Access Int Saver 100 Complete Access Streamline Basic 2014 page 20

33 PROPERTY INVESTOR Variable Rate (% Discounts Newcastle Permanent Premium Plus Package N/A % 95.00% Name Value+ Name Everyday Account Statement Savings Acc Rapid Saver Passbook Westpac Premier Advantage % 150, % Name 2014 page 21

34 PROPERTY INVESTOR Variable Rate (% Discounts Name Altitude Platinum 55 Day Visa d 55 Day Platinum Visa Low Rate Visa d Altitude Altitude Black Name Choice Suncorp Bank Home Package Plus % 150, % Name Platinum d 2014 page 22

35 PROPERTY INVESTOR Variable Rate (% Discounts Name Gold d Standard d Name Everyday Options Everyday Options Sub-Acc ANZ Breakfree % 150, % Name Low Rate Platinum Platinum Low Rate 2014 page 23

36 PROPERTY INVESTOR Variable Rate (% Discounts Name First Name Access Advantage One - 100% Offset Citibank Plus % 200, % 80.00% Name Platinum Signature Name Plus 2014 page 24

37 PROPERTY INVESTOR Variable Rate (% Discounts IMB Platinum Package % 150, % Name Low Rate Masterd Platinum Masterd Name Everyday UnLtd (Ill,SC) Every Day Account S4 NAB Choice Package % 20, % Name Low Fee Masterd 2014 page 25

38 PROPERTY INVESTOR Variable Rate (% Discounts Name Premium Visa d Low Fee Visa d Velocity Rewards Velocity Rewards Premium Premium Masterd Name Classic Banking BankSA Advantage Package % 100, % Name Vertigo Platinum Amplify Classic 2014 page 26

39 PROPERTY INVESTOR Variable Rate (% Discounts Name Vertigo Visa Name Complete Freedom St.George Bank Advantage Package % 100, % Name Vertigo Visa Amplify Classic Vertigo Platinum Name Complete Freedom Bank of Melbourne Advantage Package % 100, page 27

40 PROPERTY INVESTOR Variable Rate (% Discounts 95.00% Name Vertigo Visa Amplify Classic Vertigo Platinum Name Complete Freedom People's Choice Credit Union Home Loan Package % 150, % Name Visa 2014 page 28

41 PROPERTY INVESTOR Variable Rate (% Discounts Name Everyday Account Offset Account Heritage Bank Professional Package % 150, % Name Classic Gold Low Rate Name Loan Offset Account Money Manager Account Crusher Simply Access 2014 page 29

42 PROPERTY INVESTOR Variable Rate (% Discounts Name Cash Management Account NAB Private Tailored Pkg % 500, % Name Velocity Rewards Premium Low Fee Visa d Low Rate d Velocity Rewards Premium Visa d Premium Masterd Name Classic Banking 2014 page 30

43 PROPERTY INVESTOR Variable Rate (% Discounts Qld Police Credit Union Classic Plus N/A N/A 100, % Name Bluey d Bluey Rewarder d Name Classic Plus Mort Offset On Call Savings Account QT Mutual Bank Choices % 150, % Name Platinum Myd 2014 page 31

44 PROPERTY INVESTOR Variable Rate (% Discounts Name Current Account QT Mutual Bank Teachers' N/A , % Name Platinum Myd Name Current Account Horizon Credit Union Platinum Loan Package % 250, % Name Visa 2014 page 32

45 PROPERTY INVESTOR Variable Rate (% Discounts Name Advantage 55 S55 Advantage 25 Macquarie Bank Offset Flyer % 150, % Name Visa Gold d Visa RateSaver d Visa Platinum d Greater Building Society Ultimate Home Loan Pac Name % page 33

46 PROPERTY INVESTOR Variable Rate (% Discounts 95.00% Name Name Ultimate Account Access Account BankVic Property Investor % 100, % Name Visa Gold credit card Name EzePay 2014 page 34

47 PROPERTY INVESTOR Variable Rate (% Discounts BankVic Portfolio % 250, % Name Visa Gold credit card Name EzePay Victoria Teachers Mutual Bank Rewards Package % % Name Visa Platinum Name Everyday Account S page 35

48 PROPERTY INVESTOR Variable Rate (% Discounts Name Deeming Account S9 SERVICE ONE Members Bankin Pioneer Banking % 200, % Name Home Loan Visa Name Day to Day Account Bank of Sydney Expect More , % Name Smart Net Account 2014 page 36

49 PROPERTY INVESTOR Variable Rate (% Discounts Name Everyday Saver Wide Bay Australia Community First CU Freedom Package Accelerator Home Loan , % % 100, % Name Low Rate Visa Cred d Name Basic Offset Saver 2014 page 37

50 PROPERTY INVESTOR Variable Rate (% Discounts ME Bank Member Package N/A 40, % Name InterestME Savings Ac Online Savings Account EveryDay Transaction Accoun Ultimate Offset Account First Option Credit Union Packaged Home Loan , % Name Standard Visa ash Rewards Visa Credit 2014 page 38

51 2014 page 39

### Cultivation of Microalgae According to the different nutrient modes of microalgae, the culture modes can be divided into photoautotrophic culture, mix

Cultivation of Microalgae According to the different nutrient modes of microalgae, the culture modes can be divided into photoautotrophic culture, mixed culture and heterotrophic culture. Photoautotrophic

### Greek God Muscle Building Program ROAD MAP

Greek God Muscle Building Program ROAD MAP by Greg O Gallagher Greek God Muscle Building Program Greg O Gallagher Page 1 Greek God Program Road Map Phase One - Strength & Density Routines I recommend spending

### BC04 Module_antenna__ doc

http://www.infobluetooth.com TEL:+86-23-68798999 Fax: +86-23-68889515 Page 1 of 10 http://www.infobluetooth.com TEL:+86-23-68798999 Fax: +86-23-68889515 Page 2 of 10 http://www.infobluetooth.com TEL:+86-23-68798999

### Lorem ipsum dolor sit amet, consectetuer adipiscing elit

English for Study in Australia 留 学 澳 洲 英 语 讲 座 Lesson 3: Make yourself at home 第 三 课 : 宾 至 如 归 L1 Male: 各 位 朋 友 好, 欢 迎 您 收 听 留 学 澳 洲 英 语 讲 座 节 目, 我 是 澳 大 利 亚 澳 洲 广 播 电 台 的 节 目 主 持 人 陈 昊 L1 Female: 各 位

### 4. 每 组 学 生 将 写 有 习 语 和 含 义 的 两 组 卡 片 分 别 洗 牌, 将 顺 序 打 乱, 然 后 将 两 组 卡 片 反 面 朝 上 置 于 课 桌 上 5. 学 生 依 次 从 两 组 卡 片 中 各 抽 取 一 张, 展 示 给 小 组 成 员, 并 大 声 朗 读 卡

Tips of the Week 课 堂 上 的 英 语 习 语 教 学 ( 二 ) 2015-04-19 吴 倩 MarriottCHEI 大 家 好! 欢 迎 来 到 Tips of the Week! 这 周 我 想 和 老 师 们 分 享 另 外 两 个 课 堂 上 可 以 开 展 的 英 语 习 语 教 学 活 动 其 中 一 个 活 动 是 一 个 充 满 趣 味 的 游 戏, 另 外

### 國立中山大學學位論文典藏.PDF

I II III The Study of Factors to the Failure or Success of Applying to Holding International Sport Games Abstract For years, holding international sport games has been Taiwan s goal and we are on the way

### pdf

CENTRO 花 甲 老 人 的 for 交 the over 60s 通 travel 证 passes for the over 60s travel passes for the over 60s travel 谢 谢 发 给 我 这 个 交 通 证, travel passes for the over 60s 我 travel 今 passes 年 for 66 the over 岁 60s

### 台灣地區同學

ACIC 台 灣 地 區 住 宿 家 庭 合 約 / 接 機 / 申 請 表 本 契 約 已 於 中 華 民 國 年 月 日 交 付 消 費 者 攜 回 審 閱 ( 契 約 審 閱 期 間 至 少 為 五 日 ) 甲 方 ( 消 費 者 ) 姓 名 : 甲 方 ( 未 滿 18 歲 代 理 人 ) 姓 名 : 國 民 身 分 證 : 國 民 身 分 證 : 電 話 : 電 話 : 住 居 所 : 住

### 參 加 第 二 次 pesta 的 我, 在 是 次 交 流 營 上 除 了, 與 兩 年 沒 有 見 面 的 朋 友 再 次 相 聚, 加 深 友 誼 外, 更 獲 得 與 上 屆 不 同 的 體 驗 和 經 歴 比 較 起 香 港 和 馬 來 西 亞 的 活 動 模 式, 確 是 有 不 同 特

WE ARE BOY S BRIGADE 參 加 第 二 次 pesta 的 我, 在 是 次 交 流 營 上 除 了, 與 兩 年 沒 有 見 面 的 朋 友 再 次 相 聚, 加 深 友 誼 外, 更 獲 得 與 上 屆 不 同 的 體 驗 和 經 歴 比 較 起 香 港 和 馬 來 西 亞 的 活 動 模 式, 確 是 有 不 同 特 別 之 處 如 控 制 時 間 及 人 流 方 面, 香

### The Ultimate Guide to Creating a Mobile Strategy that Works in 2017

The Ultimate Guide to Creating a Mobile Strategy that Works in 2017 Coming up with a mobile strategy for any company, big or small, is a daunting task. There are so many considerations to take into account,

### 蔡 氏 族 譜 序 2

1 蔡 氏 族 譜 Highlights with characters are Uncle Mike s corrections. Missing or corrected characters are found on pages 9, 19, 28, 34, 44. 蔡 氏 族 譜 序 2 3 福 建 仙 遊 赤 湖 蔡 氏 宗 譜 序 蔡 氏 之 先 出 自 姬 姓 周 文 王 第 五 子

### 高中英文科教師甄試心得

2005 Research on the Lucre, Risk, and Development of Native Bankcard Business 2005 3 2003 6.5 45 18, WTO SWOT I Abstract Research on the Lucre, Risk, and Development of Native Bankcard Business Research

We are now living happily. We are now living a happy life. He is very healthy. He is in good health. I am sure that he will succeed. I am sure of his success. I am busy now. I am not free now. May I borrow

### 99 學年度班群總介紹 第 370 期 班群總導 陳怡靜 G45 班群總導 陳怡靜(河馬) A 家 惠如 家浩 T 格 宜蓁 小 霖 怡 家 M 璇 均 蓁 雴 家 數學領域 珈玲 國燈 370-2 英領域 Kent

2010 年 8 月 27 日 出 刊 精 緻 教 育 宜 蘭 縣 公 辦 民 營 人 國 民 中 小 學 財 團 法 人 人 適 性 教 育 基 金 會 承 辦 地 址 : 宜 蘭 縣 26141 頭 城 鎮 雅 路 150 號 (03)977-3396 http://www.jwps.ilc.edu.tw 健 康 VS. 學 習 各 位 合 夥 人 其 實 都 知 道, 我 是 個 胖 子, 而

### HKG_ICSS_FTO_sogobrilingual_100_19Feb2016_31837_tnc

Terms and conditions: 1. The extra 5 Membership Rewards points promotion at SOGO ( the Promotion Offer ) is valid for spending only at SOGO Department Store at Causeway Bay and Tsim Sha Tsui within the

### 從詩歌的鑒賞談生命價值的建構

Viktor E. Frankl (logotherapy) (will-to-meaning) (creative values) Ture (Good) (Beauty) (experiential values) (attitudinal values) 1 2 (logotherapy) (biological) (2) (psychological) (3) (noölogical) (4)

### 2009.05

2009 05 2009.05 2009.05 璆 2009.05 1 亿 平 方 米 6 万 套 10 名 20 亿 元 5 个 月 30 万 亿 60 万 平 方 米 Data 围 观 CCDI 公 司 内 刊 企 业 版 P08 围 观 CCDI 管 理 学 上 有 句 名 言 : 做 正 确 的 事, 比 正 确 地 做 事 更 重 要 方 向 的 对 错 于 大 局 的 意 义 而 言,

### 2012 年 4 月 至 6 月 活 動 一 覽 月 份 計 劃 / 項 目 活 動 4 月 竹 園 中 心 活 動 竹 園 中 心 開 放 日 暨 沒 有 巴 掌 日 嘉 年 華 :4 月 28 日 v 迎 新 會 :4 月 21 日 童 歡 部 落 v 義 工 服 務 :5 月 27 日 v 小

-------------------------------------------------------------------------------- Pekinger in NewYork -------------------------------------------------------------------------------- 1011 121314 151617

### TLLFDEC2013.indd

GOOD PEOPLE MANAGEMENT AWARD 2 學教卓越 行政長官卓越教學獎 2010 / 2011 本校重視學生全人發展 致力提供具專業的教學環 6. 通識科的閱讀課藉報章及時事影片與同學進行課堂討 境 營造純樸良好的校風 建立優良的班級文化 積極提 論 提升學生的批判思考及高階思維能力 並藉不同形 升教學效能 善用資源為學生提供分組教學及各種增潤課 程 並成功為學生創造多元化的成功學習經驗

Your Field Guide to More Effective Global Video Conferencing As a global expert in video conferencing, and a geographically dispersed company that uses video conferencing in virtually every aspect of its

### Beds_bg_201904_Lowres.pdf

Beds A good day always starts with a good night Feeling your best when you wake up starts with the right bed. In this buying guide, you will headboards and bed storage boxes. quilts, pillows and bed linen.

### 1. 請 先 檢 查 包 裝 內 容 物 AC750 多 模 式 無 線 分 享 器 安 裝 指 南 安 裝 指 南 CD 光 碟 BR-6208AC 電 源 供 應 器 網 路 線 2. 將 設 備 接 上 電 源, 即 可 使 用 智 慧 型 無 線 裝 置 進 行 設 定 A. 接 上 電 源

1. 請 先 檢 查 包 裝 內 容 物 AC750 多 模 式 無 線 分 享 器 安 裝 指 南 安 裝 指 南 CD 光 碟 BR-6208AC 電 源 供 應 器 網 路 線 2. 將 設 備 接 上 電 源, 即 可 使 用 智 慧 型 無 線 裝 置 進 行 設 定 A. 接 上 電 源 B. 啟 用 智 慧 型 裝 置 的 無 線 Wi-Fi C. 選 擇 無 線 網 路 名 稱 "edimax.setup"

### Chinese oil import policies and reforms 随 着 经 济 的 发 展, 目 前 中 国 石 油 消 费 总 量 已 经 跃 居 世 界 第 二 作 为 一 个 负 责 任 的 大 国, 中 国 正 在 积 极 推 进 能 源 进 口 多 元 化, 鼓 励 替 代

Chinese oil import policies and reforms SINOPEC EDRI 2014.8 Chinese oil import policies and reforms 随 着 经 济 的 发 展, 目 前 中 国 石 油 消 费 总 量 已 经 跃 居 世 界 第 二 作 为 一 个 负 责 任 的 大 国, 中 国 正 在 积 极 推 进 能 源 进 口 多 元 化,

### untitled

I General Discussion of International Trade (Introduction to International Trade) (How to Start an Import/Export Business) (Business Plan) (Company Organization) (The Laws, Conventions and Treaties Related

### 모집요강(중문)[2013후기외국인]04.26.hwp

2013 弘 益 大 学 后 期 外 国 人 特 别 招 生 简 章 弘 益 大 学 http://ibsi.hongik.ac.kr 目 次 I 招 生 日 程 3 II 招 生 单 位 4 III 报 名 资 格 及 提 交 材 料 5 IV 录 取 方 法 8 V 报 名 程 序 9 VI 注 册 指 南 11 VII 其 它 12 附 录 提 交 材 料 表 格 外 国 人 入 学 申 请

### C o n t e n t s...7... 15 1. Acceptance... 17 2. Allow Love... 19 3. Apologize... 21 4. Archangel Metatron... 23 5. Archangel Michael... 25 6. Ask for

Doreen Virtue, Ph.D. Charles Virtue C o n t e n t s...7... 15 1. Acceptance... 17 2. Allow Love... 19 3. Apologize... 21 4. Archangel Metatron... 23 5. Archangel Michael... 25 6. Ask for a Sign... 27 7.

### 目 感恩与代祷 录 编 者 1 牧者心声 勒住你的舌头 龚明鹏 3 见证与分享 我的见证 吴权伟 8 相信就能够看见 卓艳梅 12 再述主恩 爱的雕凿 张英治 19 万怡杉 28 母亲节征文 记念母亲节 凌励立 43 父母的爱和神的爱 曹 红 47 Love Lisa Wang 50

TORONTO CHINA BIBLE CHURCH NEWS LETTER 2007 夏季刊 JUNE, 2007 二零零七年主题 凡事祷告 多伦多华夏圣经教会 目 感恩与代祷 录 编 者 1 牧者心声 勒住你的舌头 龚明鹏 3 见证与分享 我的见证 吴权伟 8 相信就能够看见 卓艳梅 12 再述主恩 爱的雕凿 张英治 19 万怡杉 28 母亲节征文 记念母亲节 凌励立 43 父母的爱和神的爱 曹

### : : : : : ISBN / C53:H : 19.50

: : : : 2002 1 1 2002 1 1 : ISBN 7-224-06364-9 / C53:H059-53 : 19.50 50,,,,,,, ; 50,,,,,,,, 1 ,,,,,,,,,,,,,, ;,,,,,,,,, 2 ,,,, 2002 8 3 ( 1 ) ( 1 ) Deduction One Way of Deriving the Meaning of U nfamiliar

### WTO

10384 200015128 UDC Exploration on Design of CIB s Human Resources System in the New Stage (MBA) 2004 2004 2 3 2004 3 2 0 0 4 2 WTO Abstract Abstract With the rapid development of the high and new technique

### 2

40 2 3 4 5 ^ ^ 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 PLEASE AFFIX STAMP HERE Diabetes Hongkong Unit 1802, 18/F., Tung Hip Commercial Bldg., 244-252 Des Voeux Rd C, HK. Diabetes Hongkong membership

### untitled

20 90 1998 2001 1 Abstract Under the environment of drastic competitive market, risk and uncertainty that the enterprise faces are greater and greater, the profit ability of enterprise assets rises and

### 地質調査研究報告/Bulletin of the Geological Survey of Japan

Shigeru Suto, Takayuki Inomata, Hisashi Sasaki and Sakae Mukoyama (2007) Data base of the volcanic ash fall distribution map of Japan. Bull. Geol. Surv. Japan, vol. 58(9/10), p.261-321, 8 figs, 2 tables,

### untitled

Co-integration and VECM Yi-Nung Yang CYCU, Taiwan May, 2012 不 列 1 Learning objectives Integrated variables Co-integration Vector Error correction model (VECM) Engle-Granger 2-step co-integration test Johansen

### 1.ai

HDMI camera ARTRAY CO,. LTD Introduction Thank you for purchasing the ARTCAM HDMI camera series. This manual shows the direction how to use the viewer software. Please refer other instructions or contact

### 星河33期.FIT)

A Study on the Relationships of the Co-construction Contract A Study on the Relationships of the Co-Construction Contract ( ) ABSTRACT Co-constructio in the real estate development, holds the quite

### Windows XP

Windows XP What is Windows XP Windows is an Operating System An Operating System is the program that controls the hardware of your computer, and gives you an interface that allows you and other programs

### 2 Edmonton 爱 德 蒙 顿 爱 德 蒙 顿 是 加 拿 大 的 节 日 之 城, 一 年 有 超 过 30 多 个 节 日 城 市 总 人 口 1000 多 万 干 净, 安 全 的 居 住 环 境 友 好 的, 充 满 活 力 的 文 化 社 区 附 近 有 许 多 风 景 优 美 的

1 Come Study With Us! 欢 迎 你 来 和 我 们 一 起 学 习! 爱 德 蒙 顿 天 主 教 学 校, 欢 迎 来 自 各 个 国 家 和 信 仰 的 学 生 加 入 我 们! 爱 德 蒙 顿 天 主 教 学 校 是 一 家 由 政 府 资 助 的 公 立 学 校, 是 以 基 督 信 仰 为 背 景 的 省 立 教 育 机 构, 是 以 学 生 成 绩 和 教 育 质 量

### A Community Guide to Environmental Health

102 7 建 造 厕 所 本 章 内 容 宣 传 推 广 卫 生 设 施 104 人 们 需 要 什 么 样 的 厕 所 105 规 划 厕 所 106 男 女 对 厕 所 的 不 同 需 求 108 活 动 : 给 妇 女 带 来 方 便 110 让 厕 所 更 便 于 使 用 111 儿 童 厕 所 112 应 急 厕 所 113 城 镇 公 共 卫 生 设 施 114 故 事 : 城 市 社

### 不 不 禮 行 說 力 不 不 不 更 來 理 不 不 理 累 力 不 理 不 利 什 良 流 不 不 旅 量 不 不 旅 更 立 兩 連 福 聯 不 念 數 說

留 劉 了 更 了 不 見 行 流 更 說 不 來 行 來 數 不 例 說 老 不 度 勵 更 來 離 來 來 了 了 年 理 年 不 練 料 兩 說 不 說 說 來 說 不 來 零 列 練 說 見 說 說 更 不 不 禮 行 說 力 不 不 不 更 來 理 不 不 理 累 力 不 理 不 利 什 良 流 不 不 旅 量 不 不 旅 更 立 兩 連 福 聯 不 念 數 說 留 力 拓 歷 立 立

### Rebar Couplers. Heng Xiang Rebar Connection Equipment Factory

Rebar Couplers Heng Xiang Rebar Connection Equipment Factory Attn: Mr. Leo Hao Tel: 86-0318-6662348 E-mail: sales@hshxtaotong.com Add: The north industrial park, Hengshui City, Hebei Province, China 053000

### Rebar Couplers. Heng Xiang Rebar Connection Equipment Factory

Rebar Couplers Heng Xiang Rebar Connection Equipment Factory Attn: Mrs. Lucy Sun Tel: 86-13231837867 E-mail: sales2@hshxtaotong.com Add: The north industrial park, Hengshui City, Hebei Province, China

### 【摘要】

RUC-BK-101-110204-11271343 TCL 2001 11271343 2005 4 1 2004 TCL 2004 TCL TCL TCL TCL TCL A TCL TCL TCL TCL 2 Look back the 2004, China's stock market is not all calm At the beginning of the year TCL group

### :(104 :(104 )24:00 )~ :104 )~ )15:00~17:00 )08:00 :http://w3.tnfsh.tn.edu.tw/tn104sea) :http://w3.tnfsh.tn.edu.tw/tn104sea :http://w3.tnfsh.tn.edu.tw/

A Study on Grading and Sequencing of Senses of Grade-A Polysemous Adjectives in A Syllabus of Graded Vocabulary for Chinese Proficiency 2002 I II Abstract ublished in 1992, A Syllabus of Graded Vocabulary

### 03施琅「棄留臺灣議」探索.doc

38 93 43 59 43 44 1 2 1621 1645 1646 3 1647 1649 4 1 1996 12 121 2 1988 1 54---79 3 1990 2 39 4 1987 8 16 19 1649 27---28 45 1651 5 1656 1662 1664 1667 1668 6 1681 1683 7 13 1958 2 1651 2002 11 67 1961

3 月 17 日 托 三 班 正 式 开 班 了, 才 来 的 时 候 他 们 舍 不 得 离 开 爸 爸 妈 妈 和 熟 悉 的 家 庭, 到 现 在 半 个 月 过 去 了, 孩 子 们 对 幼 儿 园 的 生 活 已 经 非 常 熟 悉 了 而 这 半 个 月 的 时 间 里 他 们 也 成 长 了 许 多, 他 们 不 仅 不 哭 了, 还 能 做 到 独 立 入 厕 独 立 洗 手 独 立

### summerCampBookP1~16.pdf

2011 SUMMER CAMPER RULES 1. No campers are allowed to leave camp after check-in. Campers should act with his/her buddy or team. 2. Please follow camp rules and instructions from your counselor at all time.

### 多 穿 一 點 和 別 開 窗 子 都 是 正 面 的 句 子, 好 比 妳 上 幼 稚 園 時 老 師 教 我 們 對 妳 說 話 的 方 法, 不 是 很 簡 單 很 明 確, 感 覺 上 比 妳 用 責 難 的 問 句 好 多 了 嗎? 相 對 的, 有 許 多 直 接 而 簡 單 的 句 子

[ 短 文 ] 給 女 兒 的 一 封 信 ( 劉 墉 ) 今 天 早 上, 我 起 床, 發 現 家 裡 一 個 人 也 沒 有 只 好 打 妳 媽 媽 的 手 機 手 機 是 妳 接 的 妳 們 到 哪 裡 去 了 啊? 爸 爸 問 你 難 道 不 知 道 我 今 天 要 上 中 文 嗎? 妳 在 那 頭 說, 我 們 正 在 去 徐 老 師 家 的 路 上 晚 餐 前, 爸 爸 到 廚 房 的

### Microsoft Word - SH090330.doc

2009 年 3 月 30 日 環 球 指 數 上 周 收 市 價 一 星 期 變 化 百 分 率 四 星 期 變 化 百 分 率 恆 生 指 數 14,119.50 +1285.99 +10.02% +1307.93 +10.21% 國 企 指 數 8,481.22 +985.26 +13.14% +1578.38 +22.87% 上 海 綜 合 指 數 2,374.44 +93.35 +4.09%

### 國家圖書館典藏電子全文

i ii Abstract The most important task in human resource management is to encourage and help employees to develop their potential so that they can fully contribute to the organization s goals. The main

### The Development of Color Constancy and Calibration System

The Development of Color Constancy and Calibration System The Development of Color Constancy and Calibration System LabVIEW CCD BMP ii Abstract The modern technologies develop more and more faster, and

### <4D6963726F736F667420576F7264202D2032303130C4EAC0EDB9A4C0E04142BCB6D4C4B6C1C5D0B6CFC0FDCCE2BEABD1A15F325F2E646F63>

2010 年 理 工 类 AB 级 阅 读 判 断 例 题 精 选 (2) Computer mouse How does the mouse work? We have to start at the bottom, so think upside down for now. It all starts with mouse ball. As the mouse ball in the bottom

### 國立中山大學學位論文典藏.PDF

The Study on the New Pension Scheme for Civil Servants Evidence from Kaohsiung County I II 1. III Thesis Abstract Title of Thesis The Study on the New Pension Scheme for Civil Servants: Evidence from Kaohsiung

### 199.FIT)

2016 年 6 月 24 日 农 历 丙 申 年 五 月 二 十 星 期 五 内 部 资 料 免 费 交 流 沧 州 职 业 技 术 学 院 主 办 准 印 证 号 :JL10-0033 2016 年 第 17 期 总 第 199 期 总 编 : 冯 庆 山 副 总 编 : 张 虹 主 编 : 陈 金 发 我 院 隆 重 举 办 届 毕 业 生 毕 业 典 礼 党 委 书 记 冯 庆 山 发 表

Gassama Abdoul Gadiri University of Science and Technology of China A dissertation for master degree Ordinal Probit Regression Model and Application in Credit Rating for Users of Credit Card Author :