Hillcrest EXMOUTH. A development of 3 and 4 bedroom houses and luxury apartments by award winning builder C G Fry & Son

Size: px
Start display at page:

Download "Hillcrest EXMOUTH. A development of 3 and 4 bedroom houses and luxury apartments by award winning builder C G Fry & Son"

Transcription

1 Hillcrest EXMOUTH A developmet of 3 ad 4 bedroom houses ad luxury apartmets by award wiig builder C G Fry & So

2 Hillcrest ew homes with a traditioal feel Withycombe House. A distictive Grade II listed Victoria maor house i the desirable area of St Joh s Road is the cetre of C G Fry ad So s excitig Hillcrest developmet at Exmouth. After Fry s meticulous restoratio, Withycombe House ow comprises luxurious, very spacious duplex apartmets with high-quality kitches ad bathrooms. The house was built i the Gothic style, with a castellated parapet risig to ed gables with corer ad ridge piacles. Later it became a school. The restoratio of Withycombe House is the type of project i which C G Fry & So excels. The compay has extesive experiece i refurbishig ad remodellig listed buildigs whilst creatig luxurious ad spacious accommodatio to meet moder eeds. Skilled craftsme o site were able to re-make moulds for the piacles ad gable eds, ad Fry s joiery works have replicated the widows of the origial era. The restoratio of the roof i atural slate completes this impressive buildig. The iteriors feature Frys Premier specificatio which icludes quality bathroom ad kitche fittigs, ad floor ad wall tilig from Porcelaosa. Subject to build stage cliets will be able to choose from a rage of fittigs ad fiishes to help persoalise their ew home. All reflect the attetio to detail that buyers ca cout o i a C G Fry & So home. Situated i the lovely parklad settig of Hillcrest lies a collectio of beautifully fiished, highly idividual ew character homes. Withi the tree lied grouds, Fry s have costructed a umber of traditioally-desiged detached ad semi-detached ew houses, fiished with the attetio to detail which has established the compay s reputatio as a builder of high quality homes. The ew houses, set i carefully-plaed streetscapes, are costructed i brick, reder ad some cedar claddig, with slate ad tiled roofs. All have with a high level of iterior fiish ad as with all C G Fry developmets, particular care has bee take to character details such as door surrouds, eaves, stoework ad metalwork. Ad while the houses are desiged to sit comfortably alogside the area s older buildigs, moder thikig ad ew techiques brig 21st cetury stadards of eergy-efficiecy, comfort ad security.

3 Quality homes i a outstadig locatio A woderful eviromet i which to live. Exmouth is a lively coastal tow i the east of Devo, where the River Exe meets the sea, lyig oly 10 miles or so from the cathedral city of Exeter. Sir Walter Raleigh sailed o may of his voyages from the tow s harbour. Later, Exmouth became probably the first holiday resort i Devo, fashioable i Georgia times as a destiatio for the wealthy to recover their health. Popular tourism came with the advet of the railway, ad the tow has ever sice bee a favourite for summer visitors. Hillcrest is served by regular buses, ad the tow s rail statio offers a frequet service to Exeter ad owards o the Lodo Paddigto mailie. A cycle path takes you alog the seafrot ad up the beautiful Exe estuary to the picture-postcard village of Lympstoe. Exmouth has a appealig selectio of shops, facilities ad places to eat, ad Exeter, with its historic appeal, offers shoppig ad etertaimet o a larger scale. There is a wide rage of schools ad college facilities i the area offerig both state ad private educatio. Parets will be pleased to kow that the state primary school ear to Hillcrest ad the tow s seior school, Exmouth Commuity College, has bee rated good by Ofsted. I earby Lympstoe there is a idepedet preparatory school rated extremely successful, ad may more private educatioal opportuities are o offer i Exeter. The area aroud Exmouth is a paradise for walkers ad bird watchers, with the Exe Estuary a Site of Special Scietific Iterest oted i particular for wadig ad migratig birds. Exmouth s stuig two-mile beach, which has become a favourite with widsurfers ad kite-surfers, lies at oe ed of the worldreowed Jurassic Coast, which exteds eastwards through Devo ad Dorset. Exmouth s beach The Jurassic Coast at Exmouth Exeter The tow cetre Exmouth Maria Exeter Quay

4 High specificatio build ad iteriors A house from C G Fry & So is somethig special. As award-wiig builders we kow what makes a perfect home. Just ask our cliets - may of whom are o their secod or third Fry property. All iteriors feature Frys Premier specificatio which icludes quality bathroom ad kitche fittigs, ad floor ad wall tilig from Porcelaosa. Subject to build stage, cliets ca choose from a rage of fiishes to persoalise their ew home. All reflect the attetio to detail that buyers ca cout o i a C G Fry & So home. As with all C G Fry developmets, particular care has bee take to character details such as door surrouds, eaves, stoework ad metalwork. Ad while the houses are desiged to sit comfortably alogside the area s older buildigs, moder thikig ad ew techiques brig 21st cetury stadards of eergy-efficiecy, comfort ad security. The Hillcrest Show Home

5 C G Fry homes greeer by desig Focusig o eergy efficiecy, cuttig carbo emissios ad usig sustaiable materials, we desig homes which achieve top eergy performace ratigs ad which ca emit over 60 per cet less CO 2 tha older homes. Savig you moey o utility bills Through moder buildig techiques our ew properties o average save 600 per year whe compared with period properties. This is achieved through may areas - high levels of wall, floor ad loft isulatio ad the use of efficiet air to water heat pumps. Low eergy light fittigs ad EU efficiecy rated white goods are used throughout our homes. O average our homes exceed curret Best Practice for Airtightess, resultig i lower heat loss. Advaced, low maiteace double glazig ad secure lockig systems also provide security. Reduced oise pollutio Strict soud isulatio levels are achieved i the buildig costructio, providig home owers with miimal disturbace from eighbours or traffic. Water cosumptio Low flow fittigs reduce water cosumptio while ot compromisig o performace. Resposible sourcig of materials Resposible sourcig of costructio materials plays a key part, with all timber comig from certified suppliers ad where possible usig local materials - thereby reducig trasportatio. Water recyclig Fry developmets are costructed with a rage of sustaiable draiage strategies such as soakaways, raiwater harvestig ad permeable pavig. Ecological platig Our sites also focus o maitaiig ad ehacig the existig ecology through careful platig, ladscapig ad placig wildlife boxes.

6 C G Fry & So buildig homes i the West Coutry sice 1920 From the first, craftsmaship ad quality have bee the hallmarks of C G Fry & So s work, marryig traditioal workmaship with moder materials ad techiques. The compay has always set out to build idividual homes i harmoy with existig local architecture ad featurig local materials. Frys major part i the buildig of Price Charles s Poudbury developmet at Dorchester created a world showcase for the compay s desig ad excellece of fiish. The focus, however, remais firmly o the quality of each ew home ad the eeds of each idividual customer. Fry s has a history of buildig idividual homes i harmoy with local architecture - properties with immese character, built ot just for today, but for future geeratios to ejoy. You ll be buyig your ew home from a family owed compay with cosistat awards year o year for the quality of housig ad also our outstadig ad cosiderate site maagers. Our immesely kowledgeable Sales Advisors will guide you through the house buyig process ad keep you iformed of progress. Fry homes are desiged for moder livig with practical family space, atural light ad high quality fittigs. Ecompassig ew techologies your home will be eergy efficiet, savig you moey o utility bills. A 2 year warraty covers almost everythig we fit as stadard to give you peace of mid (as part of your NHBC 10 year warraty). Hillcrest Sales Cetre ad Show Home are ope from 10am to 5pm weekdays, 10am to 4pm weekeds. Tel: hillcrestsales@cgfry.co.uk Hillcrest, St Joh s Road, Exmouth EX8 4EB Property details for Hillcrest ad other C G Fry & So developmets ca be foud olie at

7 Buyig your ew Fry home This is our Customer Charter. C G Fry & So are happy to comply with the Cosumer Code for Home Builders ad offer the followig assuraces to our cliets. Owig a ew Fry home is ow much easier with a choice of purchase schemes ad seasoal promotios to suit you. Help to Buy * A govermet backed iitiative set up to help first time buyers ad those lookig to move up the property ladder, to purchase a property with as little as a 5% deposit. With a deposit of 5%, the Help to Buy Equity Loa scheme allows you to borrow a additioal 20% of the purchase price of the property from the govermet; the loa is iterest-free for the first 5 years ad it ca be repaid at aytime. Seasoal Promotios * Ask your sales egotiator for more iformatio. Ladlord Package A iterior package specifically for those who are buyig to let. These iclude floor coverigs, blids ad curtai poles ad a free stadig washig machie. *Terms ad coditios apply 1 We will provide a writte reservatio agreemet/memoradum of sale 2 We will give a clear descriptio of ay maagemet services ad orgaisatios to which you will be committed ad a estimate of their cost. 3 If your home is ot yet complete, we will provide you with a brochure of plas reliably showig the layout, appearace ad plot positio of your home, alog with a list of its cotets. 4 If you have ay questios durig the purchase of your ew home, the please speak to your Sales egotiator o site. If they are ot available, please cotact the Sales Maager at our Head Office o If you have ay questios followig the completio of your ew home the please speak to our Customer Care Maager at our Head Office o We will provide accurate ad reliable iformatio about the Isurace backed warraty. 7 Please esure you have read ad uderstood the Health & Safety precautios you should take before your visit a developmet uder costructio. 8 We advise you to appoit a professioal legal advisor to carry out the legal formalities of buyig your ew home. 9 We will give you clear ad precise iformatio wherever possible throughout the purchasig process. This will iclude aticipated build completio schedule allowig at least 10 workig days before legal completio. A ew home demo will also be carried out withi the timescale. 10 Please ote the Reservatio Fee ad ay moey paid for agreed extras/variatios to the property are o-refudable. 11 You will have full access to our Customer Care Maager. Ay issues that occur withi the first 2 years of your 10 year New Home Warraty that are classified as defects uder the warraty will be dealt with by us withi a reasoable timescale. 12 Ay issues that occur after 2 years that are classified as defects uder the Warraty, will be dealt with by the Warraty provider, full details are provided at completio. 13 If you are movig i o a developmet where buildig work cotiues, the you will be asked to atted a Safety Briefig. This will be carried out by our Site Maager/ Fiishig Forema at the same time as your ew home demo. 14 Should you have ay complaits regardig your ew home or service provided, please cotact our Costructio Director i writig at our Head Office, who will arrage a dispute resolutio. 15 We will co-operate with appropriate qualified professioal advisors appoited by you to resolve ay disputes.

8 Hillcrest Sales Cetre ad Show Home are ope from 10am to 5pm weekdays, 10am to 4pm weekeds. Tel: Hillcrest, St Joh s Road, Exmouth EX8 4EB Property details for Hillcrest as well as other C G Fry & So developmets throughout the South West ca be foud olie at Hillcrest C. G. Fry & So Ltd. Litto Cheey, Dorchester, Dorset DT2 9AS All artist s impressios, illustratios ad dimesios are for geeral iformatio oly ad do ot form part of ay cotract. Wall ad roof fiishes ad widow details may be subject to alteratio durig costructio. Accordigly purchasers should satisfy themselves as to specific plot details with our sales staff.

CREATIVE MARKETING PROJECT 2016

CREATIVE MARKETING PROJECT 2016 CREATIVE MARKETING PROJECT 2016 The Creative Marketig Project is a chapter project that develops i chapter members a aalytical ad creative approach to the marketig process, actively egages chapter members

More information

Ideate, Inc. Training Solutions to Give you the Leading Edge

Ideate, Inc. Training Solutions to Give you the Leading Edge Ideate, Ic. Traiig News 2014v1 Ideate, Ic. Traiig Solutios to Give you the Leadig Edge New Packages For All Your Traiig Needs! Bill Johso Seior MEP - Applicatio Specialist Revit MEP Fudametals Ad More!

More information

How to use what you OWN to reduce what you OWE

How to use what you OWN to reduce what you OWE How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.

More information

IT Support. 020 8269 6878 n www.premierchoiceinternet.com n support@premierchoiceinternet.com. 30 Day FREE Trial. IT Support from 8p/user

IT Support. 020 8269 6878 n www.premierchoiceinternet.com n support@premierchoiceinternet.com. 30 Day FREE Trial. IT Support from 8p/user IT Support IT Support Premier Choice Iteret has bee providig reliable, proactive & affordable IT Support solutios to compaies based i Lodo ad the South East of Eglad sice 2002. Our goal is to provide our

More information

One Goal. 18-Months. Unlimited Opportunities.

One Goal. 18-Months. Unlimited Opportunities. 18 fast-track 18-Moth BACHELOR S DEGREE completio PROGRAMS Oe Goal. 18-Moths. Ulimited Opportuities. www.ortheaster.edu/cps Fast-Track Your Bachelor s Degree ad Career Goals Complete your bachelor s degree

More information

summary of cover CONTRACT WORKS INSURANCE

summary of cover CONTRACT WORKS INSURANCE 1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.

More information

Best of security and convenience

Best of security and convenience Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate

More information

leasing Solutions We make your Business our Business

leasing Solutions We make your Business our Business if you d like to discover how Bp paribas leasig Solutios Ca help you to achieve your goals please get i touch leasig Solutios We make your Busiess our Busiess We look forward to hearig from you you ca

More information

Raising Standards in Houston Remodeling Since 1996

Raising Standards in Houston Remodeling Since 1996 Raisig Stadards i Housto Remodelig Sice 1996 Waylad Costructio is dedicated to creatig a ehaced livig eviromet uiquely tailored to each of our cliets. We are a Desig Build firm located i Housto, Texas,

More information

PUBLIC RELATIONS PROJECT 2016

PUBLIC RELATIONS PROJECT 2016 PUBLIC RELATIONS PROJECT 2016 The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig, implemetig ad evaluatig

More information

Handling. Collection Calls

Handling. Collection Calls Hadlig the Collectio Calls We do everythig we ca to stop collectio calls; however, i the early part of our represetatio, you ca expect some of these calls to cotiue. We uderstad that the first few moths

More information

PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE

PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE OUR EXPERTISE To arrage a meetig with a member of for more iformatio about Price Bailey, At Price Bailey, we recogise that charity ad ot-for-profit

More information

Professional Networking

Professional Networking Professioal Networkig 1. Lear from people who ve bee where you are. Oe of your best resources for etworkig is alumi from your school. They ve take the classes you have take, they have bee o the job market

More information

Assessment of the Board

Assessment of the Board Audit Committee Istitute Sposored by KPMG Assessmet of the Board Whe usig a facilitator, care eeds to be take if the idividual is i some way coflicted due to the closeess of their relatioship with the

More information

auction a guide to selling at Residential

auction a guide to selling at Residential Residetial a guide to sellig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells up to 700 millio of property at auctio Holds at least seve residetial ad six

More information

Comfort for Life CAPT CAPF CHPF CAUF CSCF

Comfort for Life CAPT CAPF CHPF CAUF CSCF Comfort for Life CAPT CAPF CHPF CAUF CSCF Evaporator Coils www.daikicomfort.com "I'm a Daiki Comfort Pro" Those five simple words ca offer you comfort like you ve ever experieced. The words mea that the

More information

Smart Connected Products & The Internet of Things

Smart Connected Products & The Internet of Things Smart Coected Products & The Iteret of Thigs Who we are Taget delivers Talet Globally. Established for 40 years we specialise i delivery of iovative & tailored talet solutios to customers aroud the world.

More information

My first gold holdings. My first bank. Simple. Transparent. Individual. Our investment solutions for clients abroad.

My first gold holdings. My first bank. Simple. Transparent. Individual. Our investment solutions for clients abroad. My first gold holdigs. My first bak. Simple. Trasparet. Idividual. Our ivestmet solutios for cliets abroad. The perfect basis for workig together successfully The wheel of time is turig faster tha ever

More information

Information about Bankruptcy

Information about Bankruptcy Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet

More information

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects

More information

optimise your investment in Microsoft technology. Microsoft Consulting Services from CIBER

optimise your investment in Microsoft technology. Microsoft Consulting Services from CIBER optimise your ivestmet i Microsoft techology. Microsoft Cosultig Services from Microsoft Cosultig Services from MICROSOFT CONSULTING SERVICES ca help with ay stage i the lifecycle of adoptig Microsoft

More information

CCH CRM Books Online Software Fee Protection Consultancy Advice Lines CPD Books Online Software Fee Protection Consultancy Advice Lines CPD

CCH CRM Books Online Software Fee Protection Consultancy Advice Lines CPD Books Online Software Fee Protection Consultancy Advice Lines CPD Books Olie Software Fee Fee Protectio Cosultacy Advice Advice Lies Lies CPD CPD facig today s challeges As a accoutacy practice, maagig relatioships with our cliets has to be at the heart of everythig

More information

AGC s SUPERVISORY TRAINING PROGRAM

AGC s SUPERVISORY TRAINING PROGRAM AGC s SUPERVISORY TRAINING PROGRAM Learig Today...Leadig Tomorrow The Kowledge ad Skills Every Costructio Supervisor Must Have to be Effective The Associated Geeral Cotractors of America s Supervisory

More information

Making training work for your business

Making training work for your business Makig traiig work for your busiess Itegratig core skills of laguage, literacy ad umeracy ito geeral workplace traiig makes sese. The iformatio i this pamphlet will help you pla for ad build a successful

More information

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

GoVal Group Government Consulting and Valuation Advisory Group. real. Real expertise. Real choices. Real value.

GoVal Group Government Consulting and Valuation Advisory Group. real. Real expertise. Real choices. Real value. GoVal Group Govermet Cosultig ad Valuatio Advisory Group real. Real expertise. Real choices. Real value. Novogradac s GoVal Group Specialized cosultig services from a idustry leader. real choices. A uique

More information

auction a guide to buying at Residential

auction a guide to buying at Residential Residetial a guide to buyig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells approximately 1 billio of property at auctio i the UK Holds at least seve residetial

More information

Commercial Real Estate Women Network

Commercial Real Estate Women Network Commercial Real Estate Wome Network About CREW Network Fouded i 1989, CREW Network is the idustry s premier busiess etworkig orgaizatio dedicated to ifluecig the success of the commercial real estate idustry

More information

GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS

GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS GOOD PRACTICE CHECKLIST FOR INTERPRETERS WORKING WITH DOMESTIC VIOLENCE SITUATIONS I the sprig of 2008, Stadig Together agaist Domestic Violece carried out a piece of collaborative work o domestic violece

More information

Cartrefi Hafod Lettings Agency

Cartrefi Hafod Lettings Agency Cartrefi Hafod Lettigs Agecy The ame you ca trust LANDLORD BOOKLET Cartrefi Hafod Lettigs Agecy Cartrefi Hafod Lettigs Agecy offer help to iexperieced ladlords to maage their homes. Hafod Housig Associatio

More information

WHERE CHANGE IS POSSIBLE

WHERE CHANGE IS POSSIBLE WHERE CHANGE IS POSSIBLE gree workspaces AT TIDES, WE HAVE BEEN WORKING WITH PEOPLE LIKE YOU FOR MORE THAN 30 YEARS TO MAKE THE WORLD A BETTER PLACE. Our missio is to parter with philathropists, foudatios,

More information

client communication

client communication CCH Portal cliet commuicatio facig today s challeges Like most accoutacy practices, we ow use email for most cliet commuicatio. It s quick ad easy, but we do worry about the security of sesitive data.

More information

The Importance of Media in the Classroom

The Importance of Media in the Classroom 01-TilestoVol09.qxd 8/25/03 3:47 PM Page 1 1 The Importace of Media i the Classroom As teachers, we have a wealth of iformatio from which to choose for our classrooms. We ca ow brig history ito the classroom

More information

Information for Programs Seeking Initial Accreditation

Information for Programs Seeking Initial Accreditation Iformatio for Programs Seekig Iitial Accreditatio Aswers to Frequetly- Asked-Questios (from www.abet.org/ew-to-accreditatio/) Assurig Quality l Stimulatig Iovatio This documet iteds to aswer may of the

More information

RISK TRANSFER FOR DESIGN-BUILD TEAMS

RISK TRANSFER FOR DESIGN-BUILD TEAMS WILLIS CONSTRUCTION PRACTICE I-BEAM Jauary 2010 www.willis.com RISK TRANSFER FOR DESIGN-BUILD TEAMS Desig-builD work is icreasig each quarter. cosequetly, we are fieldig more iquiries from cliets regardig

More information

Art & Private Client insurance policy SUMMARY OF COVER

Art & Private Client insurance policy SUMMARY OF COVER Art & Private Cliet isurace policy SUMMARY OF COVER 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME773 1 07/16 What

More information

Xantaro Maintenance Services & Operations. XTAC User Guide. UK Edition

Xantaro Maintenance Services & Operations. XTAC User Guide. UK Edition Xataro Maiteace Services & Operatios XTAC User Guide UK Editio XTAC WORKFLOW The Xataro Techical Assistace Cetre (XTAC) is the cetral iterface for all techical questios ad topics for products ad services

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New editio Jauary 2009 Are you worried about your mortgage? Get advice ow If you are strugglig to pay your mortgage, or you thik it will be difficult to pay more whe your fixed-rate deal eds, act ow to

More information

Checklist. Take control and manage energy use in and around your home. Wise Energy Guide

Checklist. Take control and manage energy use in and around your home. Wise Energy Guide Checklist Take cotrol ad maage eergy use i ad aroud your home Wise Eergy Guide Wise Eergy Guide checklist checklist This checklist is part of Uio Gas Wise Eergy Guide. It is desiged to help you carry out

More information

FPO. A global telecom s strategy. for Canada

FPO. A global telecom s strategy. for Canada FPO A global telecom s strategy for Caada A global telecom s strategy for Caada Global telecommuicatios compaies that support multi-atioal corporatios (MNC) are tasked with providig a cosistet cliet experiece

More information

Faculty of Engineering Technology

Faculty of Engineering Technology Faculty of Egieerig Techology KU Leuve. Ispirig the outstadig. The Faculty of Egieerig Techology gathers all Idustrial Scieces programmes (Egieerig Techology ad Biosciece Egieerig Techology) offered by

More information

FM4 CREDIT AND BORROWING

FM4 CREDIT AND BORROWING FM4 CREDIT AND BORROWING Whe you purchase big ticket items such as cars, boats, televisios ad the like, retailers ad fiacial istitutios have various terms ad coditios that are implemeted for the cosumer

More information

INDEPENDENT BUSINESS PLAN EVENT 2016

INDEPENDENT BUSINESS PLAN EVENT 2016 INDEPENDENT BUSINESS PLAN EVENT 2016 The Idepedet Busiess Pla Evet ivolves the developmet of a comprehesive proposal to start a ew busiess. Ay type of busiess may be used. The Idepedet Busiess Pla Evet

More information

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated.

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated. Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete

More information

Health and dental coverage that begins when your group health benefits end

Health and dental coverage that begins when your group health benefits end Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are

More information

FI A CIAL MATHEMATICS

FI A CIAL MATHEMATICS CHAPTER 7 FI A CIAL MATHEMATICS Page Cotets 7.1 Compoud Value 117 7.2 Compoud Value of a Auity 118 7.3 Sikig Fuds 119 7.4 Preset Value 122 7.5 Preset Value of a Auity 122 7.6 Term Loas ad Amortizatio 123

More information

PROCEEDINGS OF THE YEREVAN STATE UNIVERSITY AN ALTERNATIVE MODEL FOR BONUS-MALUS SYSTEM

PROCEEDINGS OF THE YEREVAN STATE UNIVERSITY AN ALTERNATIVE MODEL FOR BONUS-MALUS SYSTEM PROCEEDINGS OF THE YEREVAN STATE UNIVERSITY Physical ad Mathematical Scieces 2015, 1, p. 15 19 M a t h e m a t i c s AN ALTERNATIVE MODEL FOR BONUS-MALUS SYSTEM A. G. GULYAN Chair of Actuarial Mathematics

More information

Prescribing costs in primary care

Prescribing costs in primary care Prescribig costs i primary care LONDON: The Statioery Office 13.50 Ordered by the House of Commos to be prited o 14 May 2007 REPORT BY THE COMPTROLLER AND AUDITOR GENERAL HC 454 Sessio 2006-2007 18 May

More information

The personal and the political in social psychology. www.bps.org.uk/social2014

The personal and the political in social psychology. www.bps.org.uk/social2014 Social Psychology Sectio 2014 Aual Coferece 9 11 September, Caterbury Christ Church Uiversity The persoal ad the political i social psychology Sposorship & Exhibitio Brochure www.bps.org.uk/social2014

More information

Season s Greetings. President s Message

Season s Greetings. President s Message News SOLELY FOR BENEFIT December 2012 BOARD OF DIRECTORS PRESIDENT Tret White Pharmacists Associatio of Newfoudlad ad Labrador (PANL) SECRETARY/TREASURER Price Edward Islad Pharmacists Associatio (PEI)

More information

e-trader user guide Introduction

e-trader user guide Introduction User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with

More information

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not Settlig Isurace Claims After a Disaster What you eed to kow about how to file a claim how the claim process works what s covered ad what s ot First Steps Cotact your aget or compay immediately. Fid out

More information

Diploma in Secretarial Administration

Diploma in Secretarial Administration Istitute of Fiace Diploma i Secretarial Admiistratio Awarded by the Lodo Chamber of Commerce ad Idustry (LCCI) Startig October 2007 ope for erollmet from July 2007 Be smart start right eroll ow! Eglish

More information

National Institute on Aging. What Is A Nursing Home?

National Institute on Aging. What Is A Nursing Home? Natioal Istitute o Agig AgePage Nursig Homes: Makig The Right Choice Lucille has lived i her home for 33 years. Eve after her husbad died 3 years ago, she was able to maage o her ow. Recetly, she broke

More information

CHAPTER 3 THE TIME VALUE OF MONEY

CHAPTER 3 THE TIME VALUE OF MONEY CHAPTER 3 THE TIME VALUE OF MONEY OVERVIEW A dollar i the had today is worth more tha a dollar to be received i the future because, if you had it ow, you could ivest that dollar ad ear iterest. Of all

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

Baan Service Master Data Management

Baan Service Master Data Management Baa Service Master Data Maagemet Module Procedure UP069A US Documetiformatio Documet Documet code : UP069A US Documet group : User Documetatio Documet title : Master Data Maagemet Applicatio/Package :

More information

Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company Limited Bajaj Alliaz Geeral Isurace Compay Limited Regd. Office & Head Office : GE Plaza, Airport Road, Yerawada, Pue - 411 006. PROPOSAL FORM FOR OFFICE COVER Importat : This proposal for isurace will be the

More information

Flood Emergency Response Plan

Flood Emergency Response Plan Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy

More information

School of Sport, Exercise and Health Sciences

School of Sport, Exercise and Health Sciences School of Sport, Exercise ad Health Scieces 3 lie title bad height 49.5mm Employers Guide to Placemets Departmet title xxxxx Secodary title xxxxx 2 lie title bad height 37mm www.lboro.ac.uk School of Sport,

More information

How to read A Mutual Fund shareholder report

How to read A Mutual Fund shareholder report Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.

More information

Where the care of the soul is the soul of care

Where the care of the soul is the soul of care Where the care of the soul is the soul of care KINGSWAY RETIREMENT LIVING Cotiue your story. Life is full of begiigs ad edigs. As we mature, a ew chapter begis oe that is full of opportuities. At Kigsway

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

FASHION MERCHANDISING PROMOTION PLAN 2015

FASHION MERCHANDISING PROMOTION PLAN 2015 FASHION MERCHANDISING PROMOTION PLAN 2015 Sposored by MARKETING The purpose of the Fashio Merchadisig Promotio Pla is to provide a opportuity for the participats to demostrate promotioal competecies ad

More information

DC College Savings Plan Helping Children Reach a Higher Potential

DC College Savings Plan Helping Children Reach a Higher Potential 529 DC College Savigs Pla Helpig Childre Reach a Higher Potetial reach Sposored by Govermet of the District of Columbia Office of the Mayor Office of the Chief Fiacial Officer Office of Fiace ad Treasury

More information

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

Holiday Park Holiday Home Ownership Code of Practice

Holiday Park Holiday Home Ownership Code of Practice The UK trade body for the tourer, motorhome, holiday home ad park home idustries www.thecc.org.uk Holiday Park Holiday Home Owership Code of Practice For the purchase ad sale of ew ad pre-owed Holiday

More information

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS

FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS STRATEGIC OUTCOMES PRACTICE TECHNICAL ADVISORY BULLETIN February 2011 FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS www.willis.com Natioal Fire Protectio Associatio (NFPA) #25 a mai

More information

Holiday Park Holiday Home Ownership Code of Practice

Holiday Park Holiday Home Ownership Code of Practice The UK trade body for the tourer, motorhome, holiday home ad park home idustries www.thecc.org.uk Holiday Park Holiday Home Owership Code of Practice For the purchase ad sale of ew ad pre-owed Holiday

More information

Advancement FORUM. www.acmaweb.org/advancement CULTIVATING LEADERS IN CASE MANAGEMENT

Advancement FORUM. www.acmaweb.org/advancement CULTIVATING LEADERS IN CASE MANAGEMENT H E A L T H C A R E D E L I V E R Y S Y S T E M C A S E M A N A G E M E N T E D U C A T I O N Advacemet FORUM CULTIVATING LEADERS IN CASE MANAGEMENT DATES AND LOCATIONS LOS ANGELES, CA DECEMBER 11 DALLAS,

More information

E&A Contractor Ad - Biodustry

E&A Contractor Ad - Biodustry BIOFUELS THE LATEST TECHNOLOGY AN EMERGING RISK PROFILE RISK MANAGEMENT EXCELLENCE THE WILLIS BIOFUEL AND ALTERNATIVE ENERGY TEAM 2 Willis 05/12 THE MOVE IS ON FOR ALTERNATIVE ENERGY SOURCES A viable,

More information

facing today s challenges As an accountancy practice, managing relationships with our clients has to be at the heart of everything we do.

facing today s challenges As an accountancy practice, managing relationships with our clients has to be at the heart of everything we do. CCH CRM cliet relatios facig today s challeges As a accoutacy practice, maagig relatioships with our cliets has to be at the heart of everythig we do. That s why our CRM system ca t be a bolt-o extra it

More information

*The most important feature of MRP as compared with ordinary inventory control analysis is its time phasing feature.

*The most important feature of MRP as compared with ordinary inventory control analysis is its time phasing feature. Itegrated Productio ad Ivetory Cotrol System MRP ad MRP II Framework of Maufacturig System Ivetory cotrol, productio schedulig, capacity plaig ad fiacial ad busiess decisios i a productio system are iterrelated.

More information

Total Program Management for High-Tech

Total Program Management for High-Tech Total Program Maagemet for High-Tech ORGANIZE Makig Order Out of Chaos Sortig the requiremets, fidig the right resources, aligig the capabilities, ad creatig a cohesive Team Maagemet Effort are dautig

More information

Industrial Batteries Network Power Classic Solar Powerful energy storage for photovoltaic systems. Specifications

Industrial Batteries Network Power Classic Solar Powerful energy storage for photovoltaic systems. Specifications Idustrial Batteries Network Power Classic Solar Powerful eergy storage for photovoltaic systems. Specificatios Cost-effective eergy storage. Classic EerSol are robust flooded batteries for eergy storage

More information

College of Nursing and Health care Professions

College of Nursing and Health care Professions College of Nursig ad Health care Professios a history of excellece Grad Cayo Uiversity s College of Nursig ad Health Care Professios has bee providig a outstadig health care educatio for over 25 years.

More information

Simple Annuities Present Value.

Simple Annuities Present Value. Simple Auities Preset Value. OBJECTIVES (i) To uderstad the uderlyig priciple of a preset value auity. (ii) To use a CASIO CFX-9850GB PLUS to efficietly compute values associated with preset value auities.

More information

6. p o s I T I v e r e I n f o r c e M e n T

6. p o s I T I v e r e I n f o r c e M e n T 6. p o s I T I v e r e I f o r c e M e T The way positive reiforcemet is carried out is more importat tha the amout. B.F. Skier We all eed positive reiforcemet. Whether or ot we are cosciously aware of

More information

TIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS

TIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS TIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. OUR HISTORY We are TIAA-CREF. A full-service

More information

Grow your business with savings and debt management solutions

Grow your business with savings and debt management solutions Grow your busiess with savigs ad debt maagemet solutios A few great reasos to provide bak ad trust products to your cliets You have the expertise to help your cliets get the best rates ad most competitive

More information

Agenda. Outsourcing and Globalization in Software Development. Outsourcing. Outsourcing here to stay. Outsourcing Alternatives

Agenda. Outsourcing and Globalization in Software Development. Outsourcing. Outsourcing here to stay. Outsourcing Alternatives Outsourcig ad Globalizatio i Software Developmet Jacques Crocker UW CSE Alumi 2003 jc@cs.washigto.edu Ageda Itroductio The Outsourcig Pheomeo Leadig Offshore Projects Maagig Customers Offshore Developmet

More information

ELearning courses Competition / Antitrust

ELearning courses Competition / Antitrust ELearig courses Competitio / Atitrust Clifford Chace ad Thomso Reuters elearig Regulators are takig a icreasigly tough stace o competitio / atitrust compliace. Failure to comply with the relevat legislatio

More information

INVESTING IN SOCIAL CHANGE TOOLS FOR SOCIAL INNOVATION

INVESTING IN SOCIAL CHANGE TOOLS FOR SOCIAL INNOVATION INVESTING IN SOCIAL CHANGE TOOLS FOR SOCIAL INNOVATION At Tides, we have bee workig for more tha 30 years with people like you to make the world a better place. Our missio is to parter with activists,

More information

To be a Preferred Partner in Creating a Sustainable Environment by Advancing Oil-and-Chemical Management through Innovations and Technology

To be a Preferred Partner in Creating a Sustainable Environment by Advancing Oil-and-Chemical Management through Innovations and Technology WWW.NSLOILCHEM.COM.SG To be a Preferred Parter i Creatig a Sustaiable Eviromet by Advacig Oil-ad-Chemical Maagemet through Iovatios ad Techology 01 Corporate Profile Corporate Profile Our Compay NSL, ad

More information

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized?

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized? 5.4 Amortizatio Questio 1: How do you fid the preset value of a auity? Questio 2: How is a loa amortized? Questio 3: How do you make a amortizatio table? Oe of the most commo fiacial istrumets a perso

More information

qbcc queensland building and construction commission A GUIDE TO THE INSTALLATION OF ROOF MOUNTED SOLAR POWER AND HOT WATER SYSTEMS.

qbcc queensland building and construction commission A GUIDE TO THE INSTALLATION OF ROOF MOUNTED SOLAR POWER AND HOT WATER SYSTEMS. qbcc queeslad buildig ad costructio commissio A GUIDE TO THE INSTALLATION OF ROOF MOUNTED SOLAR POWER AND HOT WATER SYSTEMS. Solar Istallatio Guide 30112013 1 TABLE OF CONTENTS INTRODUCTION Page 3 COLLECTION

More information

Initial Teacher Training Programmes

Initial Teacher Training Programmes POSTGRADUATE STUDY AND RESEARCH Iitial Teacher Traiig Programmes Whatever your ambitios withi the teachig professio, completig your Iitial Teacher Traiig (ITT) at Liverpool Joh Moores Uiversity (LJMU)

More information

Desktop Management. Desktop Management Tools

Desktop Management. Desktop Management Tools Desktop Maagemet 9 Desktop Maagemet Tools Mac OS X icludes three desktop maagemet tools that you might fid helpful to work more efficietly ad productively: u Stacks puts expadable folders i the Dock. Clickig

More information

FOCUS 2015 PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE STRATEGIC PLAN. INSPIRE n TRANSFORM n CONNECT

FOCUS 2015 PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE STRATEGIC PLAN. INSPIRE n TRANSFORM n CONNECT INSPIRE TRANSFORM CONNECT FOCUS 2015 STRATEGIC PLAN PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE FOCUS 2015 is our refreshed strategic pla that builds o ad stregthes

More information

Stamford Associates and Xafinity introduce the XS Total Returns Alliance

Stamford Associates and Xafinity introduce the XS Total Returns Alliance Stamford Associates ad Xafiity itroduce the XS Total Returs Alliace A uique partership providig holistic ad idepedet ivestmet cosultig services I clarity quality I itegrity Stamford Associates is a leadig

More information

PESTLIN & Co. Mergers & Acquisitions Real Estate Corporate Finance

PESTLIN & Co. Mergers & Acquisitions Real Estate Corporate Finance pestli & Co. 9 / 2009 www.pestli.de 1 PESTLIN & Co. Mergers & Acquisitios Real Estate Corporate Fiace pestli & Co. is a cosultacy i the field of corporate trasactios ad corporate fiace. We assist our cliets

More information

(VCP-310) 1-800-418-6789

(VCP-310) 1-800-418-6789 Maual VMware Lesso 1: Uderstadig the VMware Product Lie I this lesso, you will first lear what virtualizatio is. Next, you ll explore the products offered by VMware that provide virtualizatio services.

More information

Preserving Your Financial Legacy with Life Insurance Premium Financing.

Preserving Your Financial Legacy with Life Insurance Premium Financing. Preservig Your Fiacial Legacy with Life Isurace Premium Fiacig. Prepared by: Keeth M. Fujita, Natioal Director, The Private Bak Specialty Fiace Group Life Isurace Premium Fiace. James Mosrie, Seior Wealth

More information

A GUIDE TO BUILDING SMART BUSINESS CREDIT

A GUIDE TO BUILDING SMART BUSINESS CREDIT A GUIDE TO BUILDING SMART BUSINESS CREDIT Establishig busiess credit ca be the key to growig your compay DID YOU KNOW? Busiess Credit ca help grow your busiess Soud paymet practices are key to a solid

More information

Trusteed IRAs. Integrate and simplify your retirement and estate plans

Trusteed IRAs. Integrate and simplify your retirement and estate plans Trusteed IRAs Itegrate ad simplify your retiremet ad estate plas Trusteed IRAs from Merrill Lych Trust Compay To create the legacy of your dreams, you may eed more tha a Idividual Retiremet Accout ad a

More information

Optimize your Network. In the Courier, Express and Parcel market ADDING CREDIBILITY

Optimize your Network. In the Courier, Express and Parcel market ADDING CREDIBILITY Optimize your Network I the Courier, Express ad Parcel market ADDING CREDIBILITY Meetig today s challeges ad tomorrow s demads Aswers to your key etwork challeges ORTEC kows the highly competitive Courier,

More information

WHAT IS YOUR PRIORITY?

WHAT IS YOUR PRIORITY? MOVE AHEAD The uderlyig priciples of soud ivestmet should ot alter from decade to decade, but the applicatio of these priciples must be adapted to sigificat chages i the fiacial mechaisms ad climate. BENJAMIN

More information

Configuring Additional Active Directory Server Roles

Configuring Additional Active Directory Server Roles Maual Upgradig your MCSE o Server 2003 to Server 2008 (70-649) 1-800-418-6789 Cofigurig Additioal Active Directory Server Roles Active Directory Lightweight Directory Services Backgroud ad Cofiguratio

More information

WE KEEP GOOD COMPANY REVITALIZING STORES FOR BIG BRAND FRANCHISES CFG. Recapitalization. Growth Capital CAROLINA FINANCIAL GROUP

WE KEEP GOOD COMPANY REVITALIZING STORES FOR BIG BRAND FRANCHISES CFG. Recapitalization. Growth Capital CAROLINA FINANCIAL GROUP REVITALIZING STORES FOR BIG BRAND FRANCHISES Recapitalizatio Frachise ad Restaurats Growth Capital I ve spet my career buildig valuable restaurat frachises for some of the top QSR brads i America. We eeded

More information

PUBLIC RELATIONS PROJECT 2015

PUBLIC RELATIONS PROJECT 2015 PUBLIC RELATIONS PROJECT 2015 Supported by MARKETING The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig,

More information