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Archive for September, 2019

Triple knee reconstruction hasn’t stopped Gameiro

If Corey Gameiro manages to play a major role for Brisbane Roar when they take on Melbourne Victory on Saturday night it would take the hardest of hard-hearted Victory fans not to wish the young forward well.

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As a youngster the Port Kembla-born and raised Gameiro looked to have the world at his feet.

At 16, Gameiro was signed by London-based English Premier League club Fulham and a glittering career beckoned. His confidence would have been further boosted by the fact that Fulham gave him a contract extension in 2012.

But fortune in football can turn quickly. Just a year later, Gameiro was released by Fulham, having already been shipped out on loan a couple of times, the last back to the A-League, where he played half a season at Wellington Phoenix.

But his real troubles were about to begin.

Gameiro signed for Sydney FC, but soon after he sustained the first of what turned out to be three serious knee injuries which have involved reconstructive surgery and blighted his career.

Gameiro bounced back well initially, scoring a terrific goal for Sydney in a game against Melbourne City, who were to become his next employers. Having joined them he injured his knee on two more occasions.

Through it all Gameiro has retained a cheerful, stoical attitude and never doubted he would get back to the upper echelons of the domestic game.

Seeing friends he had grown up with battle cancer and other serious illness made him realise, even through the fog of his own depression, that he was lucky to still be able to live his life as a professional sportsman.

Now 24, and recovered once again, Gameiro was thrown a lifeline this season by Brisbane boss John Aloisi, and he is determined to make the most of his chance should his body hold up.

Until he came off the bench for Roar last week, it has been nearly two years since Gameiro played a game in anger, his last appearance for Melbourne City.

“It was against Perth where I did my knee the second time,” Gameiro said. “I didn’t quite get back from the third one, which went in training in Townsville in a pre-season camp with City.

“People say I have got mental strength, but I just love it, I love playing, there is nothing else in my life that I want to do.

“The thought of not working this hard to get back to playing is more terrifying than the thought of having to work this hard to get there in the end.

“It doesn’t matter how many times something like this happens to me, I will get back and I want to play. Until the day that someone comes to me and categorically says you can never play again I will keep on trying.”

Gameiro, remarkably, can even find some positives in the way his injuries have occurred.

“I have been very fortunate in some ways as with my knee injuries it’s always been a clean ACL tear. It is the worst ligament you can do, but I haven’t done any other cartilage, no other ligaments, no bone bruising, which is a positive. It’s why I am now running and sprinting and turning and shooting, and I feel no discomfort.”

Gameiro is grateful to Aloisi, who was prepared to take a chance on him.

“I was in talks with a few A-League clubs who were interested, and they all said the same thing … they said we like you, we know what kind of person you are, we know what your attitude is like,” Gameiro said.

“They all said we know you can play, it’s just a matter of whether your body is OK. That was the biggest question mark they all had.

“John said he knew me from earlier days, he knew what I was about, he said it wasn’t about my football ability. He said ‘If you can get ticked off by the doctors and physio and the medical staff there’s a contract here for you. You don’t have to kick a ball to show me’.

“He had faith in me, put a contract on the table and said as long as the doctor ticks you off I will sign you. I don’t need to have you come and trial, I know what you can do. It’s just a matter of whether you are OK.

“Within 10 minutes of the medical the doctors and the physios were pretty taken aback by how well I was tracking considering I had had three knee operations. That’s a credit to Melbourne City’s medical staff and resources, they were fantastic for me, they really fixed my knee up.

“John keeps saying he wants to look after me, and if he has to pull the reins back and wait until I am fully ready to go that’s what we have to do.

“Him, me, my mum and dad, nobody wants to see this happen again if we can help it.”

He looks back on his time at City positively, even though he had such horrendous luck there.

“I was injured the whole time I was at City, I played four or five games off the bench, then my first start for City I got an assist, I think we beat Perth four or five one, but that was the game in which I ruptured my knee, my first start for the club.”

Gameiro acknowledges that his mental strength has been tested and he has had bouts of depression, but it is the example of friends of his who have battled serious illness that made him realise he was, in a way, lucky.

“There’s people going through life, I have had a close friend of mine, who is only my age, he went through cancer while I was going through some of my knee recovery. He is fine now, he has come through the tunnel, which a lot of people don’t.

“To speak to him while I was going through depression, I had a rough period, but it put it in perspective.

“You are a young footballer, you get these injuries, and you are trying to understand how everything can be looking to be so good, then go so dark all of a sudden so quickly.

“You fall off the face of the earth, you are in the limelight, things are going well, but then you just disappear. You ask your self ‘Why is this happening, why me?’.

“Then to talk to my friend with what he was going through, how positive his mindset was, how he coped with what he was going through and still looked positive, that was a lesson.

“It made me realise that even if I couldn’t play I was still fine, I was healthy, my family still love me and everything else was good.

“He was a huge help. That was contagious for me, it made me think I am going to be fine too.

“When you think of what people in that situation have been through, to what I went through. It’s tough, but it’s do-able. Life goes on.”

This story Administrator ready to work first appeared on Nanjing Night Net.

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Neocons on the mat, but don’t write off the market

There is a growing disquiet around the developed world. After a decade of post-GFC prosperity (and 26 years of unbroken growth here in Australia), many people are working out that this new era isn’t all it’s cracked up to be.

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At least, not for them.

There was a time when economic success – and failure – was reasonably broadly shared. The rising tide, as the aphorism would have it, lifted all boats. Of course there was always inequality, haves and have-nots, but the spoils of growth tended to filter down to most, if not all, in one form or another.

In the 1980s and 90s, developed economies boomed. Inflation was bought under control. Unemployment fell. Standards of living rose quickly, as deregulation and globalisation brought costs down and productivity up. Throw in the benefits of fast technological change, and you had the makings of broad-based success.

But something funny happened on the way to prosperity. Globalisation meant growth for some parts of the economy, but stagnation and collapse for others. Deregulation led to workplace flexibility, but also minimal real-wage gains. Technology created white collar jobs at the expense of blue collar ones, but not all white collar jobs were safe.

And as the winds of change shaped and reshaped the economic landscape, more and more of the Western world’s gains accrued to large businesses and those at the top of the workplace tree.

‘Trickle down’ economics, despite the mistaken (or wilfully ignorant) views of some in government around the world, didn’t – and doesn’t – work. The tax cuts that were supposed to spur growth either didn’t work, or worked too well, helping the rich get richer, but doing almost nothing for the average worker.

At this point, ideologues started to man the barricades. Sometimes literally, in the case of Occupy Wall Street, but mostly metaphorically. And, sadly, it was all too predictable. Those on one side blamed Reaganomics and forecast the death of capitalism. Those on the other side argued that while there are negative side effects to growth, not growing would have been even worse.

They’re both wrong. And right. But the usual retreat to opposite sides of the political and economic spectrum, followed by much throwing of rotten fruit improved nothing, made compromise difficult, and formented distrust.

Coming, as it did, at the same time as focus group-driven politics, there has been little in the way of leadership over the last decade or so, either, making rank ideology and political expediency uncomfortable bedfellows.

The result, now obvious, is an echo of Menzies’ ‘forgotten people’. But this time, rather than being offered a solution, the lack of leadership has left a vacuum that has been filled by an uninformed, angry populism here and overseas.

And, unhelpfully, such an environment leaves little room for the rational middle ground. It’s hard to get people angry enough to vote for you if you’re in the sensible centre. It’s much easier – and sadly, more effective – to appeal to emotion, to tell people how bad things are, to offer a return to some distant, rose-coloured past.

But, whether we like it or not, we’re not in Kansas anymore, Toto. And we should like it. On almost any objective measure, we are better off today than in the past. We have better healthcare, amazing technology, cheaper products and plenty more besides. But it has come with higher house prices, seemingly less social connection, and greater inequality.

Change is happening faster than ever. It’s uncomfortable. Uncertain. Often unwelcome. But that genie isn’t going back in the bottle. And we shouldn’t try to stuff it back in, despite what the populists and idealogues on both the left and right would have you believe. But this article isn’t aimed at them. They’re unwilling or unable to change.

The excesses of what’s now derisively called Neoliberalism or Neoconservatism are clear to those who look for them. On a social level, rising inequality is unwelcome and unfair. It’s also damaging to the economy: not only will it increase calls for punitive tax and regulation, but the hardliners forget that the economy only grows when people have more to spend. And, while contentious, it’s also pulling at the fabric of what we used to consider core Australian values. Without devolving into jingoism, it’s hard to argue we’re not less tolerant, cooperative, welcoming and fair than we used to be – or at least than we aspired to be.

Foolish takeaway

But trying to arbitrarily wind back the clock would rob us of the gains of the last three decades, in terms of rising standards of living, access to more diversity and opportunity and a world our forebears could not have imagined.

Our society and economy is changing at an unprecedented pace, improving much, but damaging some. We need to take better care of those who are casualties of change, and to be ever vigilant for the unintended consequences of progress. But we shouldn’t try to stop the wheels of progress – as imperfect as it is, democratic capitalism is the best system we have.

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Scott Phillips is the Motley Fool’s director of research. You can follow Scott on Twitter @TMFScottP. The Motley Fool’s purpose is to educate, amuse and enrich investors. This article contains general investment advice only (under AFSL 400691).

This story Administrator ready to work first appeared on Nanjing Night Net.

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Rugby Union: Former Hamilton Hawks lock Nick Palmer joins NSW Waratahs for 2018photos

Palmer gets NSW contract DEAL: Hamilton two-time premiership-winner Nick Palmer training with the NSW Country Eagles at Newcastle’s No.2 Sportsground in 2015. The lock has been signed by the NSW Waratahs for next season. Picture: Jonathan Carroll

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TweetFacebook Nick Palmer Pictures from Fairfax Digital Collection+12Pictures from Fairfax Digital CollectionMORE GALLERIES

facebookSHAREtwitterTWEETemailwhatsappNewcastle rugby union player Nick Palmer has scored his first contract with the NSW Waratahs.

Fresh from a stint with New Zealand provincial outfit Hawke’s Bay, the former Hamilton and NSW Country Eagles lock was on Friday named in the 2018 state squad.

Palmer, 26, is one of eight new additions announced by the NSW Waratahs, which also includes Wanderers prop and recent Australian under-20 representative Harry Johnson-Holmes.

SIGNED!Eight young players have put pen to paper and committed to NSW from 2018 🔥Welcome to the family!#ForTheLoveOfRugbyhttps://t.co/258iumaDgIpic.twitter广州桑拿/WMI7bVmn25

— NSW Waratahs (@NSWWaratahs) November 9, 2017

Palmer’s coach was Scott Coleman when rising through the ranks at Hamilton between 2009 and 2014, which included two first grade premierships.

“It’s unreal for him,” Coleman said.

“He’s a pretty committed guy and trains hard so it’s a good reward.”

Palmer was one of 10 players inducted intoHamilton’s hall of fame earlier this year when celebrating the club’s 50thanniversary.He won titles in 2010 and 2012, but lostdeciders in 2011 and 2013.

In recent campaigns he has playedShute Shield with North Sydney, including the club’sdrought-breaking 2016 triumph,and trained with the extended NSW Waratahssquad last summer.

Coleman said Palmer “started in a fair few games” while in New Zealand the last few months.

Previously hehas also linked with National Rugby Championship franchises the NSW Country Eagles (2015) and the Sydney Rays (2016).

Palmer, who started playing the sport while at renowned Sydney high school St Joseph’s Collegein 2006,has signed a one-year deal with the Waratahs.

Johnson-Holmes picked up a three-year contract.

Next year’s Super Rugby season has NSW kicking off against the Stormers at home on February 24 after an opening-roundbye.

NSW coach Daryl Gibson said Palmer and Johnson-Holmes had earned their opportunities.

“We are looking forwardto further developing this group of young men,” Gibson said.

“They have impressed the coaching team with their attitudes and willingness to improve and are working hard to succeed.

“The expectation is that they arrive ready to perform and make the most of their opportunity to compete with their teammates for starting spots.”

2018 SIGNINGS:Nick Palmer,Alex Newsome,Lalakai Foketi, Will Miller, Cody Walker, Shambeckler Vui,Harry Johnson-Holmes, Lachlan Swinton.

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CBS gets court approval for takeover of Ten Network

US media giant CBS’s $41 million takeover of the Ten Network can proceed, with a court approving the transfer of all shares in the free-to-air TV broadcaster to the American company.

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A hearing into the NSW Supreme Court concluded last Thursday, following days of delays due to three minor shareholders opposing the transfer – a deal which leaves them empty-handed.

Handing down his decision in the NSW Supreme Court on Friday, Justice Ashley Black said there was “no prejudice or unfair prejudice arising” from the transfer of Ten shares to CBS.

Richard McHugh, representing Ten administrators KordaMentha, said the shares would not be transferred before 5pm on Tuesday, which would allow the shareholders time to decide whether or not to seek an injunction.

Justice Black ordered that if the three shareholders – two of whom were present in court on Friday – intended on seeking any form of injunction they would have to give KordaMentha four hours notice before Tuesday’s deadline and prepare an argument to be heard before the court.

He explained to Yunfeng Du and David Gubbay that they could appeal the decision, but by doing so, they may be subject to damage costs caused by the delay.

“If you are contemplating an appeal, then it will plainly be desirable for you to finalise your position over the weekend and give notice to the plaintiffs,” the judge said.

Administrator Mark Korda told reporters outside of court that a further delay could mean Ten might lose out on large advertising contracts, talent resigning and other new contracts.

He said he did not think that would happen but, if an appeal were lodged, he expected it to be settled by Wednesday.

“We want to take channel Ten out of administration and give it a great future so there could be damages but I am sure we will get it settled and it will be fine,” Mr Korda told reporters.

The CBS takeover trumped a competing offer from billionaire Ten shareholders Lachlan Murdoch and Bruce Gordon and was almost unanimously backed by Ten’s creditors, including the broadcaster’s employees, at a meeting in September.

The deal now awaits the expected approval from the Australian Securities and Investments Commission.

AAP

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W-League: Jets face big test against City in Melbourne

When the Newcastle Jets W-League side hit the road for the first time this season coach Craig Deans said it will be a matter of showing respect to the star-studded Melbourne City without being too respectful.

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The Jets are flying high atop the competition ladder with Perth Glory after an undefeated start at home in the opening two rounds.

They beat Western Sydney 2-1 then Sydney FC 2-0 butface a much tougher test in the form of Cityat AAMI Park on Sunday.

City are considered the strongest team on paper with several Matildas players and a string of internationals in their startingside.

They stumbled in a 4-1 loss to Glory in round one before edging out Melbourne Victory 1-0 last weekend but will still carry the favourites tag against the Jets and Deans was happy to keep flying under the radar.

“It’s another team we get written off against and that’s fine,” Deans said.

“It’s a good challenge for us and a good challenge for individuals to show their own progression because we have to keep improving every week, individually and as a team.

“At the start of the year we said if we want to be in the finals then we’ve got to beat these sort of teams at some point. We’re ready for it.”

Newcastle have not beaten the back-to-back champions since City entered the W-League in 2015 but have matched it withthe competition heavyweights.

“We played them the first game last year and lost 1-0 and that was probably my fault probably because tactically I was a little bit conservative compared to what we normally are,” Deans said.

“It didn’t work and we conceded a goal within the first 10 minutes.”

“We changed back and we dominated the game after that. We learned a lot from that game in that we can’t be too respectful. Be respectful but not to the point of our own detriment.”

Deans has elevated Cortnee Vine into the starting line-up after she impressed from the bench against the Sky Blues.Clare Wheeler replaces Ashlee Brodigan in the 15-player squad travelling to Melbourne.

The game is at 4.30pm and will be televised live on Fox Sports.

STARTER: Cortnee Vine has been elevated to the Jets starting side. Picture: AAP Images/Darren Pateman

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Man extradited from New Zealand over $5.6 million fraud charges

An Australian man has been extradited from New Zealand after allegedly defrauding at least 35 people from nine countries of more than $5.6 million through fraudulent investment schemes.

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Dressed in a dark T-shirt and tracksuit pants, Daniel Albert, 51, was escorted by detectives through Sydney Airport to a waiting police vehicle on Friday morning.

He was then taken to Mascot police station where he was charged with 35 counts of fraud. He was arrested in Auckland on Wednesday.

NSW Police allege that a body scanner that would supposedly allow people to make 3D-printed models of themselves or their pets was one of many scams.

The elaborate schemes involved registered companies including some named First Aerial, Switched on Social and 3D selfie printer franchise Identical You.

Police allege the scams affected people in Australia, New Zealand, the United States, Canada, Ireland, Lebanon, Qatar, Singapore and South Africa.

The 51-year-old is alleged to have defrauded one man of $620,000 in 2012 with a fraudulent franchise venture called Glamour Nail.

An archived web page for the nail business indicates it would have offered small kiosks capable of painting more than 1000 designs onto fingernails.

Australia’s corporate regulator deregistered a Woollahra company of the same name in 2015.

Detectives from the State Crime Command’s fraud and cybercrime squad began investigations into multiple fraudulent investments schemes in 2015, establishing Strike Force Summercloud.

Fraud and Cybercrime Commander Detective Superintendent Arthur Katsogiannis said the investigation of financial deception or fraud was “never an easy task”, describing it as both “tedious” and “frustrating for victims”.

“It generally involves analysing mountains of documents and tracking multiple transactions and payments around the world,” he said.

“Given the scope of the investigation to date, we are continuing our inquiries to ensure we put anyone responsible for any NSW-based fraudulent franchise scams before the courts,” Superintendent Katsogiannis said.

Mr Albert appeared at Central Local Court on Friday via audio-visual link.

His lawyer Greg Goold told the court his client had “voluntarily” handed himself in to New Zealand police this week.

Mr Goold declined an opportunity to enter a plea in court on behalf of his client, but told the media outside court that he anticipated his client would plead not guilty.

“This may well be a civil dispute instead of a criminal dispute,” he said, adding, “It depends on whether the products police say existed did exist.”

Mr Albert, whose address is listed as a luxury apartment in Potts Point, was remanded in custody, with the matter adjourned to November 24.

Superintendent Katsogiannis defended the length of time it took to arrest and charge Mr Albert, even though he was known to police for many years.

“It’s one thing a person being known to us, another thing people coming forward, making complaints and providing evidence for us to be able to investigate and put this person before the courts,” he said.

He said dealing with different types of international law was “not as easy” as people may think.

It is understood Mr Albert owns a number of properties, which are being considered by forensic accountants, in an effort to provide compensation to the victims.

Friday’s extradition follows the arrest earlier this year of a 48-year-old woman, who was also charged with 35 counts of fraud, following an investigation by Strike Force Summercloud.

In July, strike force detectives executed a search warrant at a home in Woollahra, where investigators seized computers, electronic storage devices and documentation for forensic analysis.

The woman remains before the courts. #BreakingNews on the arrest of an alleged conman accused of fleecing millions of dollars from investors. #9ACAhttps://t.co/gZRxQiWsIspic.twitter广州桑拿/Xoxyebm9x7??? A Current Affair (@ACurrentAffair9) November 9, 2017

This story Administrator ready to work first appeared on Nanjing Night Net.

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Santa Claus arrives at Westfield Kotara on Sunday

Ho ho ho: Santa comes to town Part of the family: Santa Claus said he got teary seeing children’s joyful facial expressions. “It hits me right in the heart. When the whole family comes in I feel like I’m at a Sunday roast.” Pictures: Simone De Peak

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Smile: Santa Claus said he would “have to get used to all these selfies”. He said he took many photos with older teens, who wore fancy dress. “Everyone is welcome.” Picture: Simone De Peak

Traditions: Westfield Kotara’s Santa Claus has been in the chair for 17 years. Picture: Simone De Peak

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facebookSHAREtwitterTWEETemailwhatsappSIX weeks out from Christmas, it’s not too late to get on Santa Claus’ goodlist.

“Young ladies and fellas just need to help mum and dad, keep their rooms neat and tidy, eat vegetables, brush their teeth, go to bed early and be good at school for the rest of this year,” Westfield Kotara’s Santa Claus said.

The self described “jolly and boisterous” gift giver will be joined by Mrs Claus when he participates on Sunday in the centre’s 9.30am parade, which culminates in him nestling in for the start of thousands of photos.

“Last year I got mobbed, there were kids grabbing my legs,” he said of the parade.

“Every year for 17 years it’s just gotten busier. We have one young lady who comes from Melbourne and another young fella who comes from England each year.”

Centre management said it received hundreds of calls starting in October asking when the man in red would arrive.

Mr Claus said some children in recent years have asked for peace.

“If I could grant them that, it would be my best wish.”

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You’re probably getting paid better than you think

You’re probably getting paid better than you think you are. If only you knew it.

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Whether our jobs pay us fairly matters a lot less to us than how well we feel we’re getting paid, a new survey has found – and because we’re in the dark about why, exactly, we’re paid what we are, most of us think we’re getting underpaid.

In reality, nearly 90 per cent of people who think they’re underpaid are actually getting at or near the market rate, a new survey by the online salary database PayScale has found.

But people who think their employers are fair and transparent in how they determine pay are more likely to be happy at work than those actually paid the going rate for their jobs.

In its survey, PayScale collected salaries and corresponding market rates for the jobs of more than 500,000 people, then asked respondents to rate a series of statements – including ones about job satisfaction and employers’ pay, transparency and fairness – on a scale from one to five.

Those confident in the fairness and transparency of their employers’ pay processes, the survey found, were 5.4 times more likely than people paid a market rate to be highly satisfied with their jobs.

“Companies are determining pay in this kind of behind-the-curtain way,” said Chris Martin, the lead data analyst at PayScale. “Employees are forming opinions and think they are getting a raw deal.”

Employers determine pay using a variety of factors, some of them highly subjective. Advocates for women and people of colour have pushed transparency as one way to close gender and racial pay gaps, letting people know when they’re paid less than their colleagues and forcing employers to confront their own inequities. Some states and cities have barred employers from asking job candidates what they were paid at previous jobs, lest their new salaries perpetuate earlier unfairness.

By examining their pay processes, some companies have found, and corrected, pay gaps. In an internal audit, Salesforce found pay disparities and had to adjust around 6 per cent of employees’ salaries to make up for unexplained differences.

A few companies have gone further, making all their employees’ pay completely public. One such employer is Buffer, a social media management platform, which publishes salaries for anyone to see and explains what variables determine them with a pay calculator.

Still, the move to transparency has been limited. Just 6 per cent of the 7,700 employers PayScale surveyed said they publish everyone’s salaries; a full half of all the employers said they tell employees only what’s on their paycheques.

Earlier this year, Citigroup shareholders voted with management and rejected a proposal to analyse and publicise the bank’s gender-pay gap.

Natasha Lamb, a managing partner at Arjuna Capital, has made similar proposals to five other financial companies, but none has bitten.

The new survey findings suggest resistant employers have something to gain from demystifying what they pay their workers though, said Martin: “This is a way for organisations to develop this deeper level of trust.”

Bloomberg

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DramaCaught in the Villain’s WebKen Longworth

CHOOSE A SIDE: Allyn Barrett as Cyril Bothingwell, Annalie Hamilton as Felicity Fair and Alex Simpson as Malvern Larkfield.MAITLAND Repertory Theatre is staging a traditional melodrama, Caught in the Villain’s Web, as its end of year show, and will give audience members a glass of champagne or sherry as they arrive in the theatre so that they will be able to adeptly hiss the villain and cheer the hero.

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The show will have a three weekend season at its theatre from November 17, with Friday and Saturday evening performances and Sunday matinees. Audience members will be seated around tables for eight people, and have a light supper before the show, with desserts at interval.

The melodrama, which has the full title Caught in the Villain’s Web, or More Sinned Against Than Sinning, has been popular with audiences worldwide since it was written by American playwright Herbert E. Swayne in 1949.

Swayne stuck to the traditional 19th century format and setting of melodramas, with the villain, a crooked lawyer, wearing a large cape.

The play is being directed by Steve Ryan, who has amusingly shown his melodrama expertise as an actor and director.

Caught in the Villain’s Web is set in the wealthy Larkfield family’s country mansion, with the lives of those around her being manipulated by the owner, hard-hearted Mrs Regina Larkfield, played by another melodrama veteran, Dimity Eveleens.

A society matron, Regina is pretending to be ill to force her son, Malvern (Alex Simpson), to marry a scheming family friend, Nella Hargrave (Anna Balfour), who has developed a passion for the young man. Malvern, however, is attracted to a nurse, Felicity Fair (Annalie Hamilton), who is brought to care for Regina by her physician, Dr Hugo Belch (Terry Allen).

Regina’s lawyer, Cyril Bothingwell (Allyn Barrett), is plotting to get possession of Larkfield Mansion, and spends most of his time there in activities such as listening behind a screen to the conversations of others.

He’s also planning to choose either Felicity or Regina’s daughter, Lona (Shay Gardiner), to carry out his dastardly deeds.

He overhears Felicity, when Malvern proposes to her, tell him that she can never marry because she lost her memory after being involved in a train wreck five years earlier and can’t recall if she was wed.

Cyril subsequently tells Felicity that she is his wife.

The story’s other characters include butler Brockston (Ian Robinson), French maid Denise (Aimee Cavanagh) and Nella’s ailing mother (Sue Shaw).

Caught in the Villain’s Web has drinks and supper from 7pm and 1pm, with the show beginning at 8pm and 2pm. Dessert and tea and coffee are served at interval.

Tickets, $37, include the show and supper.

Bookings: 4931 2800.

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How to tell if your offset account is fake, a disgrace or first-rate

Hi Nicole,

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I was interested to read your piece on the risks associated with some offset accounts. When I took out my mortgage I read the small print for a number of high street banks’ mortgage products. One of them clearly stated that if they believed you were at risk of being unable to maintain payments they reserved the right to “call” on any money held with them and apply it to the mortgage. Which I interpreted, I believe correctly, as meaning that they could remove money from any offset I held with them while the mortgage was in force. Whether they would actually do it is another matter, of course, but personally I chose to go with a lender whose terms were a little more customer friendly. Jackie, Sydney

In the words of Q&A’s Tony Jones, I’ll take that as a comment. And it’s a good one Jackie.

The thing is, offsets can be fake, a fine-print disgrace ??? or they can be first rate.

Here are the questions everyone should ask of their offset accounts – today. Because the wrong one could see you lose all of your savings but the right one can slash a fortune off your home loan.

Question 1: Are you an authorised deposit-taking institution? If not, the offset account is fake: it’s simply a tally of any extra you’ve repaid, which is sitting directly inside your home loan. Certainly, these lenders would have access to this money in the event you defaulted on repayments – or even potentially if another lender bought the company’s loan book because they were in financial trouble ??? you might find your hard-earned savings are just netted off your new loan. Check lenders covered by the deposit guarantee, or Financial Claims Scheme, here.

Question 2: Does the account offset my savings dollar-for-dollar against my loan balance? And is the effective interest saving identical to the interest rate applied to my loan? Any “no” means your offset is a fine-print disgrace; you might even be better off putting your money in a bog-standard savings account. Fixed-rate loans are notorious for offering these partial offset accounts, but some lenders try and get away with it on variable rate products too.

Question 3: A straight up question – do you have call on the money in my offset account (or indeed any other account with you) if I missed a loan repayment? This will vary from lender to lender, and a first rate one will answer “no”. And, no, just because they’re on the high street doesn’t mean your money is protected, Jackie.

If you can’t get straight answers, all will be revealed in the sigh-inducing Product Disclosure Statement. A careful read could save you thousands.Nicole Pedersen-McKinnon is a money educator and consumer advocate: themoneymentorway广州桑拿. You can write to her for help solving your money problem, or with a consumer question, at [email protected]广州桑拿广州桑拿论坛.

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