Tag Archives: Money

Bank cards 101: building your credit rating ASAP and leverage your money

Published / by webmaster / 19 Comments on Bank cards 101: building your credit rating ASAP and leverage your money

This is certainly one of the most crucial video clips I’ve made thus far: getting a credit card, why you should care, exactly what factors raise your credit history, and just how that can finally help make you cash. I obtained my very first bank card at 21 years old, after banking institutions switched myself straight down for a loan on real estate – this is certainly from my experiences building personal credit.

Your credit rating shows financial institutions how accountable you are together with your cash. The scores cover anything from about 300-850, because of the most readily useful rates becoming open to all those who have a score above 740. It reveals banking institutions just how most likely you are to possibly default on financing and additionally they adjust their attention rate based on their particular danger.

They calculate your credit rating based off a number of facets:
-Length of credit score – the longer you’ve had it, the larger the score
-How much credit available for you to you personally – the greater money available for you, the higher the rating
-How a lot of it you really use – the less money you use, the bigger the score – it is known as utilization price
-On time repayments – if you’ve never ever had a belated payment and always spend timely, the higher the score
-The variety of loans you’ve had – if you have number of credit cards, auto loans, home loans, the larger your rating.
-Total queries – this means that every time you submit an application for a loan or credit card, it’s marked. The more times you apply, the higher danger you’re seen, since those who submit an application for plenty of credit in a quick amount of time may be desperate for cash, which means this temporarily reduces your rating. But allows perhaps not concern yourself with this since for most of us only beginning, it won’t change lives.

Charge card misconceptions:
-You don’t need to pay interest to increase your credit rating. Pay it back entirely, you don’t need maintain a little balance each month.
-It doesn’t hurt that look at your own credit history. I take advantage of CreditKarma regularly to help keep monitoring of my rating and in which it’s at.
-It’s additionally untrue that having a lot of cards will decrease your score – the alternative does work. The greater amount of credit available for you, usually your debt-to-credit ratio would be lots reduced, that may increase your score.
-Do never close out a charge card, especially if it’s an old account. Once you shut a credit card, in addition closes all of that credit score – which is a giant part of a great score. Maintain your bank cards open even if you don’t utilize them, or you spend a yearly charge, see should they can downgrade the card to a totally free account.
-NOT all debt is bad. There can be good financial obligation – like a mortgage, or an auto loan in which your cash is way better down invested someplace else – or bad financial obligation, that is that expensive Hawaiian getaway for 00 that you couldn’t afford however made it happen anyhow because you put it on a credit card. Financial obligation is an excellent way to leverage finances and have now it work for you, earning more income in your investments than you repay in interest.

Now remember, a charge card is one thing to utilize responsibly. Only place an ordinary amount on the cards each month as you would cash or a debit card, and pay it back completely. That’s it. it is actually, truly simple. Sooner or later it is possible to take advantage of great credit card benefits that’ll get you free trips and benefits. Look-up credit card churning to learn more.

My personal favorite bank cards:

-Bank of The United States Cash Rewards:
https://goo.gl/1xwB4B

-Amex Gold Card:
https://goo.gl/d2y4Gc

-Chase Sapphire Popular:
https://goo.gl/Iq0BiX

-Chase Sapphire Reserve:
https://goo.gl/22mf4I

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Thank you for viewing!

Pocket Money Loans – Payday Loans for Kids

Published / by webmaster

Some cool consumer loan rates images:

Pocket Money Loans – Payday Loans for Kids
consumer loan rates
Image by Darren Cullen
Payday Loans for Kids – ‘Pocket Money Loans’ shop to open in London.
London, UK
27th October 2014

The first payday loan shop especially for children opens in London, England today. The store, which offers kids advance loans on their pocket money at rates as low as 5000% APR*, hopes to attract young people from across the capital to take advantage of their wide range of credit products.

The company, which uses the bright, cartoon-filled graphics synonymous with payday lenders, wants to allow children of any background to be able to “buy what they can’t afford”. As well as pocket money loans, the shop also offers kids ‘logbook loans’ secured by their toy cars, sub-prime ‘bouncy castle mortgages’ and rent-to-buy deals on gobstoppers.

As you might have guessed, the shop is in fact a work of satire created by London based artist Darren Cullen, who says he wants to draw attention to, among other things, the way the consumer credit industry preys on the vulnerable and targets children with marketing.

Cullen says that the aim of Pocket Money Loans is to “take our consumer debt culture to its logical conclusion.”

“Almost all payday loan companies have cartoon mascots, animated characters or sing-along jingles in their adverts.” Cullen says, “Their high street shops often have play areas full of toys and some of them hand out balloons and sweets to kids at the counter. It’s a clear fact they target children, as both a means of persuading their parents, but also as a way to groom the next generation of indebted customers.”

He claims that the insidious nature of advertising means we are trapped into cycles of living beyond our means, “Advertising is so powerful, that without us realising it makes us define who we are through objects. People end up identifying with the products of industry as if they were a part of their personality.”

But it is advertising directed at children which he finds most disturbing, “Marketers are putting kids in MRI scanners and showing them adverts to see which areas of the brain light up to certain words, colours or shapes. There is a giant industry of vastly intelligent psychologists and advertisers who are using every advance of modern science to make your child feel like they need and love certain products and brands.”

The shop’s website (pocketmoneyloans.com) contains such slogans as “Get out of debt with a loan” and while Cullen blames consumer culture for a lot of debt problems he admits that most people aren’t using payday loan companies to buy new things, and that many are forced to rely on such companies because they are simply in dire economic straits.

He claims the main issue is that financial deregulation has led to the poor being ripped apart by vulture-like lenders who are able to charge eye-watering levels of interest to those least able to afford it. “Payday loan customers who repay on time are in the minority and they offer the smallest profit margin to the company.” Cullen says, “It’s the people who can’t afford to repay on time who rack up charges and compound interest over weeks or months. That’s where the real profits lie, built upon the backs of the poorest, most vulnerable members of society.”

The shop which will open for two weeks, also features art prints deriding cash-for-gold pawn shops, (“Tooth Fairy – Healthy Teeth Bought for £££s”) and an advert for ‘Nivea Pro-Aging Cream’ (“Dramatically Reduces the Appearance of Childhood”) which the artist claims is part and parcel of the insidious nature of youth consumerism, “The momentum of child marketing is towards “age compression”, where products previously the domain of older kids are advertised to younger and younger age groups,” he says. “This strategy not only brutally robs children of their childhood for commercial gain, but it also leads to a decrease in imaginative play, as children feel pressured into acting more grown up. Not to mention the disturbing trend of sexualising young girls in tween fashion.”

Despite all this however, the artist, who initially studied advertising before changing to fine art at Glasgow School of Art, says that, apart from a ban on payday loan companies or advertising directed at children, he’s pessimistic about there being any meaningful change to consumer culture as many of these problems are inherent to the system. “Modern capitalism has to relentlessly grow or die, it constantly needs new markets of consumers and it needs those consumers to increasingly buy more. Obviously that eventually reaches a limit of what people can afford, and when you have a recession compounded by austerity, where people have low wages and very little savings, the economy needs them to go into debt in order to keep consuming. ”

The shop is the first installation to take place in Finsbury Park’s new Atom Gallery, 77 Stroud Green Road, and runs from the 27th October until the 8th November (Mon-Sat, 10am-6pm), with a closing exhibition private view on the 7th November, from 6pm.

Darren Cullen, 31, (not to be confused with the graffiti artist of the same name) is originally from Leeds but lives and works in London where he produces art, illustration and comics under the banner of his website spellingmistakescostlives.com. His previous projects include an anti-army recruitment comic ‘Join the Army’ (recently admitted into the V&A Museum’s Permanent Collection), Baby’s First Baby, a pregnant toy doll, and a billboard which claimed “Santa Gives More to Rich Kids than Poor Kids”.

*853% less APR than wonga.com

Contact
Darren Cullen
Darren@spellingmistakescostlives.com
Twitter @darren_cullen

Pocket Money Loans
77 Stroud Green Road
London N4 3EG

pocketmoneyloans.com
spellingmistakescostlives.com

###

Catholic Convent in Mt Gambier built in 1907 with oriel windows with stone bases jutting out from the end gables of the facade.
consumer loan rates
Image by denisbin
Brief History of Mt Gambier – the second city of SA after Adelaide (region population nearly 35,000, urban 28,000).
Lieutenant James Grant aboard the Lady Nelson sighted and named Mt Gambier in 1800 after a Lord of the Admiralty. The first white man to traverse the area was Stephen Henty of Portland in 1839 when he sighted the Blue Lake. He returned with cattle and stockmen in 1841. He later claimed that had he known the lake and volcano he had discovered in 1839 was in SA he would have immediately applied for an 1839 Special Survey. But Henty thought he was squatting on land in NSW and he was not an official SA settler so the government ordered him off the land in 1844. Thus the first official white settler of the South East and the Mt Gambier district became Evelyn Sturt, brother to Captain Charles Sturt, who took up an occupational license in March 1844 and a property he named Compton just north of the present city. In April 1844 Governor Grey and a party of assistants including the Assistant Surveyor General Thomas Burr and artist George French Angas explored the South East naming Robe and doing the first surveys. Evelyn Sturt became the first to have an occupational license to squat and the first purchase freehold land near Mt Gambier which he did in 1847- a section of 77 acres when 80 acres was the norm. He left the district in 1854 selling his freehold land to Hastings Cunningham who in 1855 subdivided some of this land thus creating the town of Gambierton. The town lands were adjacent to the site of the first police station selected near what is now Cave Gardens by the government in 1845. A small bush inn also operated at this spot. The first streets were named after early locals such as Evelyn Sturt, Compton, Ferrers and Crouch (built the first general store before the town was created) etc. The town grew quickly because of the mild climate, fertile soils, plentiful water and the influx of settlers from across the border in what was to become the colony of Victoria. Cunningham himself was a great benefactor and donated land for the first school in 1856. In 1861 the town name was changed by act of parliament to Mt Gambier. The Hundred of Mt Gambier (along with three other hundreds) was declared in 1858 and began the closer settlement of the South East.

Unlike other areas of SA the South East was seen as paradise for pastoralists and the optimistic pastoralists flocked to the area with their flocks in 1845. The large runs locked up the land and prevented farmers from settling in the region except for the fertile lands around Mount Gambier. Here small scale farmers had small properties and grew potatoes, hops, and later had dairy cows as well as growing wheat and oats. Land acts in the early 1870s designed to break up the big runs only partially succeeded in the South East where most station owners bought up their lands freehold. It was after 1905 before the big pastoral estates were really broken up for farmers and closer settlement, except for near Mt Gambier. Apart from Evelyn Sturt the other early white settlers of the South East in 1845 were Alexander Cameron at Penola, John Robertson at Struan, William Macintosh and George Ormerod at Naracoorte, the Austin brothers at Yallum Park (later John Riddoch), the Arthur brothers (nephews of Governor Arthur of Van Diemen’s Land) at Mt Schanck( now Mt Schank) and the Leake brothers at Glencoe. In fact in 1845 nineteen leasehold runs were taken up in the South East with a further thirty runs in 1846 and most had several 80 acres sections of freehold land near the main homestead. Most had got to the South East from Casterton and Portland in Victoria as the swamps near the coast were too difficult to traverse except for the country near Robe. Many of the estates were huge. Evelyn Sturt on the Compton/Mt Gambier run had 85 square miles as well as his freehold land; Robertson had 135 square miles at Struan; George Glen (and William Vansittart) of Mayurra had 110 square miles; the SA Company had 159 square miles on the Benara run; the Leake brothers had 194 square miles on Glencoe; Hunter had 56 square miles on Kalangadoo; Neil Black of Noorat Victoria had 45 square miles on Kongorong run and 101 square miles at Port MacDonnell and the Arthur brothers had a huge run at Mt Schanck. By 1851 almost 5,000 square miles of the South East was occupied by Occupational License and most licenses were converted to 14 year leases in that year. A third of all leasehold land in SA was taken up in the South East because of its higher rainfall and suitability for pastoralism and a third of all sheep in the colony were in the South East. When Hundreds were declared in the South East in the late 1850s and early 1860s pastoralists bought up the land. In one case John Riddoch of Yallum Park owned the entire Hundred of Monbulla. Another pastoralist W. Clarke who had purchased Mt Schancke station from the Arthur brothers in 1861 owned SA land valued at £1.25 million when he died in 1874 and he had 120,000 acres freehold in Victoria, 75,000 acres freehold in SA( Mt Schank) and 50,000 acres freehold in each of NSW and Tasmania! Mt Schanck was changed in Schank in 1917 when German place names in SA were changed as Schank without the second “c” is an old English name!

In the 1850s Mt Gambier was a shanty village as the South East was a region of large pastoral estates and little agricultural farming and very low population numbers. It was far from Adelaide and remote and it was only after the Princeland episode in 1862 with the threat of possible secession to a new state that the Adelaide government began to invest in the South East and really encourage settlement there. The Border Watch newspaper was established in 1861, the Mt Gambier Hotel opened in 1862 and the Mt Gambier Council was formed in 1863.By the early 1860s Mt Gambier had almost 1,000 residents making it one of the largest towns in SA after the copper mining centres of Burra, Kadina and Moonta. By the 1881 SA census Mt Gambier had 2,500 residents making it the biggest town outside of Adelaide. In 1865 four iconic historic buildings were erected-the Courthouse, the Gaol, Christ Church Anglican and the Post Office and Telegraph Station. The flourmill which later became the Oat Mill opened in 1867 as wheat farmers had now taken up lands around the Mount. Mt Gambier was growing into a fine prosperous looking town with churches, stores, banks, hotels and fine residences. In the 1870s the rural population increased dramatically with tenant potato farmers on Browne’s Moorak estate and intensive hop growing in several localities such as Yahl and OB Flat and Glenburnie etc. Also in 1876 the first commercial forestry was started at the behest of George Goyder. A tree nursery was established on the edge of Leg of Mutton Lake in 1876 on a site selected by George Goyder himself. A stone cottage for the first nurseryman Charles Beale was constructed and it survived until demolished in 1969 but the nursery closed in 1929. The nursery propagated eucalypts, Oak, Elm, Ash, Sycamore, and North American pines. Pinus radiata was first grown at Leg of Mutton Lake and was being dispersed to other areas by 1878. Pinus canariensis was also grown in the 1880s. Pinus radiata is now the most commonly grown commercial forest tree in SA and Australia. Also in the 1870s the first hospital was erected and Dr Wehl, the town’s doctor for many years was in residence.

In the mid 1880s the first rail line was laid as the railway lines pushed out from Mt Gambier to Naracoorte. The service to Naracoorte began in 1887 and connected on with the line to Bordertown and Adelaide. By 1897 a railway connected Mt Gambier to Millicent and the port at Beachport. The railway line across the border to Heywood and Melbourne was not completed until 1917 as the SA government resisted a line that would take goods and passengers from Mt Gambier to Port Melbourne rather than to Port Adelaide. Mt Gambier railway station used to be a hive of activity with daily trains to Adelaide and an overnight sleeper services several times a week. Passenger trains to Mt Gambier from Adelaide stopped in 1990 after Australian National took over the SA railway network. Freight services stopped in 1995 and the railway line and station was formally closed. The railyards and other buildings were cleared in 2013.

The Buandik Aboriginal People.
The Buandik people are commemorated in a city street but by little else. Yet they were resilient and determined fighters opposed to the white settlement of the South East. Their occupation of the Mt Gambier district stretches back to around 20,000+ years but their dated occupation from archaeological sites goes back to about 11,000 years with their myths and legends including stories about volcanic activity at Mt Gambier. The last volcanic explosions were about 4,000 years ago. Both Mt Schank and Mt Gambier were important places to the Buandik for ceremonies, hunting, access to water and stone implement making. A government report in 1867 noted that the Buandik people in government care were few in number mainly sickly and elderly. The younger people had presumably moved out into the white community. But back in the 1840s the Buandik were a force to be reckoned with. There are no common stories of Aboriginal massacres but white pastoralists certainly retaliated when sheep were stolen. On Mt Schank station the Buandik were so troublesome that shepherds would not venture out to care for sheep alone and the Arthur brothers gave this trouble as their reason for them selling the run in 1845. In 1845 the government established a police station at Mt Gambier, which the Protector of Aboriginals visited, to ensure that pastoralists did not massacre the Buandik.

William Vansittart and Vansittart Park.
Vansittart Park has been a focal point of Mt Gambier since 1884 for activities such as family picnics, political rallies and speeches, bike racing, band rotunda concerts, bowling greens, sport oval, grandstand (1927) and Anzac memorial services. But who was William Vansittart? He was an Anglican reverend from England (Vansittart is a noble and political Anglo-Irish family in the UK) who arrived in SA in 1847 as a young bachelor. He was never licensed as a minister in SA but he developed his passions for making money and horse racing here. He mixed with the elite of Adelaide like Sir Samuel Davenport, the Governor and was a friend of Hurtle Fisher and he was Master of the Hounds. In 1850 he purchased 35 acres at Beaumont where he built Tower House and 80 acres at Mt Gambier. He imported a thoroughbred horse from Hobart called Lucifer. Ironic that a minister of religion would have a horse called Lucifer! His horses raced in Adelaide, Salisbury, Gawler, Brighton and Clare as well as in Mt Gambier and Penola. In 1851 he also took over the 110 square mile 14 year lease of Mayurra run with George Glen of Millicent. In 1852 he returned to England for a short time and on his return he purchased more freehold land bringing his estate to around 800 acres. Not long after in 1854 his horse shied, he was thrown against a tree and died of head injuries but he died intestate with an estate worth over £10,000. Glen bought out his share of Mayurra; the Beaumont house and property was sold in 1867 as were his race horses and his brother Captain Spencer Vansittart eventually inherited the Mt Gambier property. In accordance with William’s wishes 115 acres were set aside to provide income for a scholarship for boarders at St Peters Boys College which happened from 1859. Later in 1883 Spencer Vansittart offered 20 acres to the Mt Gambier Council for a memorial park at the “nominal” sum of £400 which hardly seems “nominal”. The Council raised a loan and purchased the land and the park is still enjoyed by the city’s residents and visitors. Captain Spencer’s widow sold the last package of 300 acres of land in 1912 thus ending the Vansittart links with Mt Gambier. The Vansittart scholarship is still available for boarders from the South East and is operated by a group of College trustees.

Some Historic Buildings in Mt Gambier and a town walk.
Your town walk is basically straight ahead along Penola Road towards the Mount itself which becomes Bay Road( the bay is at Port MacDonnell) once you cross Commercial Street which is the Main Street. There are just a few diversions to the left as you face the Mount. The coach will collect you at the Mount end of the walk near the Old Courthouse.

If you a good walker check out the fine houses in Jardine Street at numbers 1, 7, 9, 11, 12, 17 and 22. They range from cottages to Gothic and turreted mansions including the home of Jens the hotelier. This detour will add another 10 minutes to the walk if you elect to do it.

1.Catholic Covent. Sisters of Mercy setup a convent school in 1880. This wonderful convent was not built until 1908 in local dolomite stone & limestone quoins. Note the fine stone gables with small niches for statuary, the well proportioned arched colonnades and upstairs oriel windows – the projecting bay windows with stone supports. This is one of the finest buildings in Mt Gambier. The convent closed in 1986. Now Auspine.

2.Wesleyan Methodist Church Hall/Sunday School. Across the street is pink dolomite neo-classical style Wesleyan Methodist Sunday School Hall. Hundreds of children attended Sunday School in those days. It opened in 1904. It is now commercial offices. (If you want to walk up Wyatt Street beside the Sunday School and turn right at second street which is at Gray you will see the old two storey Methodist Manse at 101 Gray St. It was built in 1868 and sold 1941. As you turn into Gray Street the Salvation Army Hall is on your left. Allow 10 minutes for this detour before returning to Penola Road).

3.Methodist Church now Liberty Church. A Gothic large church built in 1862 by the Wesleyans. Opened by minister from Portland. Additions made 1877 with new entrance. The old lecture hall and Sunday School was beneath the church. Note the buttress on corners and sides. Became Uniting Church 1977 and closed 1994 when services moved to St Andrews Presbyterian Church. Behind the church (walk through the car park) in Colhurst Place is LLandovery two storey mansion now a B&B. Built 1878 for a flour and oat miller who had his mill in Percy Street.

4.St Paul’s Catholic Church. This impressive Gothic church with huge tower with crenulations was opened in 1884 and will be open today. There are 1966 extensions to the rear of it. The Presbytery is behind the church facing Alexander St. it was built in 1901 when the church was free of building debt. The first thatched bush church was built in another location in 1855. From 1857 the priest was Father Julian Tenison Woods, explorer, academic, horseman etc. A second church opened in 1861 in Sturt St and is now demolished. It closed in 1885 as this church opened. The bells came from Dublin. The church fence and gates built 1936.

5.The Mount Gambier Club. Across the street is the Club. It was built in 1904 for a local distiller as chambers for lease. The wealthy pastoralists of the South East formed an exclusive men only club in 1913 and it has used the upper floor of Engelbrecht’s chambers ever since. They purchased the whole building in 1920. The Club is a beautifully proportioned classical style building with pediments, balustrades, window entablature, and perfect symmetry. Look down the sides and you can see it is made of Mt Gambier limestone blocks.

6.Mt Gambier Caledonian Hall. Next door is the Scots Club. Its prominence signifies the Scottish links of many Gambier residents. The hall was opened in 1914 and opened by the former Prime Minister Sir George Reid, another Scot. It has classical features but is rather ugly and neglected these days. It is now a night club.

7.The Trustees Building. Next to the Caledonian is the Trustee Building erected in 1958. Its blue and bone tiled façade is typical of 1950s architecture yet the rectangular appearance has a slight classical look about it. It is on the SA Heritage Register. Accountants now occupy it.

8.Turn left into Percy Street and go along here beyond KFC for one town block to the next corner for the Oatmills (now a coffee shop and cinemas). Milling and brewing were two of Mt Gambier’s prime 19th century industries. The 4 storey complex here was started in 1867 for Welsh Thomas Williams who eventually had five flour mills. His mill was called Commercial Flourmills. A new owner converted the mill from wheat milling to oat milling. A new oatmill was built in 1901 and operated until 1975 producing Scottish porridge oats. The mill has now been restored with café, shops and cinemas. Return to Penola Rd.

9. Mt Gambier Hotel. No hotel could have a more remarkable origin than the Mt Gambier. An African American John Byng built a weatherboard hotel near here in 1847. The third licensee Alexander Mitchell, another Scot, took it over and moved the hotel to this corner site in 1862 as an impressive two storey hotel which was unusual at that time. The western wing was added in 1883 and balconies affixed in 1902.

10.Cross towards the Mount with the traffic lights then turn left into Commercial Street East.

11.Mt Gambier Town Hall. Marked as the Riddoch Gallery this fine Venetian Gothic style building is impressive with its coloured stone work contrasting well with cement rendered horizontal lines and vertical panels around windows and doors. The upper windows are mullioned with stone divisions between the glass. It was built in 1882 with the clock tower added in 1883 after a donation. The first Council meeting was in 1863 with Dr Wehl as chairman held in a hotel. Later the Council hired a room at the Foresters Hall and then they purchased this site in 1868 with a weatherboard room. This was used until 1882.

12.Mt Gambier old Institute. The Literary Institute was formed in 1862 and a foundation stone laid for a reading room/hall in 1868 by John Riddoch. The single storey institute opened in 1869. The upper floor was added in 1887, so that it would match the new Town Hall. It is built in a similar style- Venetian Romanesque as the windows and rounded and not arched as with a gothic structure.

13.Captain Gardiner Memorial Fountain 1884. The fountain was presented by Captain Robert Gardiner the grandfather of Sir Robert Helpman (his name was originally Helpmann). The fountain was made in Melbourne .Gardiner was also a benefactor of St Andrew’s Presbyterian -he donated the pipe organ in 1885.

14.Jens Hotel. After demolishing an earlier hotel (the 1847 hotel of John Byng) Johannes Jens had the first section of his Jens Hotel built on this corner in 1884. An almost identical eastern wing was erected in 1904 and the Spanish Art Deco section in 1927. Turn right here and go behind the Town hall to the Cave Gardens.

15.Cave Gardens. This spot was an early water supply. A garden was created in 1893 and then improved and reconstructed in 1925. This sink hole has recently been upgraded again and it is lit at night.

16.Post Office. This important communications centre was erected in 1865 as a telegraph office/post office. This is till one of the finest buildings in Mt Gambier and a rare example of the Georgian style for the city. . The single storey side wings were added in 1906 in a sympathetic style. It is still the main city Post Office.

17.Norris Agency Building. This superb Italianate building was completed in 1900 as chambers for businessmen. Owner was Alexander Norris who died in 1917. The façade is pink dolomite with cement quoins and unusual lined decoration work above the windows and door each contained within a triangular classical pediment.

18.Farmers Union Building. Another classical style building built when this style was out of fashion in 1914.Erected for Farmers Union as a large two storey building. It has none of the grace of the Norris building next door. FU was formed in 1888 in Jamestown by Thomas Mitchell, a Scot and others to provide cheap rates for grains, seeds and superphosphate but in the early 1900s they branched into products for dairy farmers and the marketing of milk products. The Mt Gambier district had plenty of dairy farmers. It is now owned by a Japanese company Kirin but it still markets its chocolate milk drinks as Farmers Union. Upper floor has double pilasters (flattened pillars) with top volutes but little other decoration.

19.Savings Bank Building on the corner. The former Savings Bank in Gothic style is unusual for commercial premises in Mt Gambier. It is constructed of weathered local limestone and was built in 1906. Note the different cut stone for the foundations, simulated turrets on the corners and by the door to break the façade appearance and the stone line above the lower window which then divides the façade into equal thirds.

20.Macs Hotel. This hotel was built in 1864 and is largely unchanged except that the upper floor was added in 1881. The first licensee was a Scot named John MacDonald. The double veranda supports are very elegant.

21.Roller flourmill now a painted hardware store. Built 1885 as a steam flourmill in pink dolomite. Note the small 12 paned windows set in much larger indented niches in the walls on the northern wall. (Sturt St.)

22.Christ Church Anglican Church and hall. Dr Browne of Moorak donated half the money for the construction of Christ Church in pink dolomite and with an unusual gabled tower. Church and tower completed in 1866. Adjacent is the Jubilee Hall built in 1915, destroyed by fire in 1951, and rebuilt exactly the same in weathered local limestone blocks with the original foundation stone still in place. It has the single Gothic window in the street facing gable and a crenulated square tower. Adjoining it is the 1869 Sunday School with the narrow double pointed Gothic windows. It was extended in 1892. The lychgate is more recent as a memorial to a regular church goer, Margaret French who died in 1927.

23.The old railway station just visible along the rail lines to your right. The first rail line was to Beachport in 1879 and the second to Naracoorte (and so to Adelaide) in 1887. Portland and Melbourne line opened 1917. A spur line to Glencoe was completed in 1904. First station was erected in 1879. It was demolished for the erection of the current station in 1918 which is similar in design to those in Tailem Bend, Bordertown, Moonta etc. Bluebird rail cars started on the Mt Gambier run in 1953 when the old 3’6” gauge line to Wolseley was converted to 5’3”. The last passenger service to Adelaide finished in 1990 and the station closed for freight in 1995. The railyards were cleared in 2013 and the future of the station is bleak. The rail lines to Beachport and Glencoe closed in 1956/57.

24.The Old Courthouse, 42 Bay Rd. It has a great low wall suitable for sitting on. This well designed Georgian style Courthouse opened in 1865 and the similarly styled side wings were added in 1877. The front veranda, which is not Georgian in style, was added in 1880. In 1975 the Courthouse was granted to the National Trust for a museum. The adjoining new Courthouse opened in 1975 at the same time. Note the “blind” windows to the façade but the same rounded Georgian shaped, 16 paned windows on the sides.

The Blue Lake, Mt Schank and Volcanoes.
The jewel in the crown of Mt Gambier is undoubtedly the volcanic cone, the crater lakes especially the Blue Lake and the surrounding Botanic Gardens and parklands. The Botanic Garden on the north side was approved in 1872 but nothing happened about plantings and care until 1882. The first pleasure road through the saddle between the Blue Lake and the Valley Lake was created in the 1861 as a more direct road to the then newly created international port named Port MacDonnell. That is why the road is called the Bay road. Surveyor General George Goyder explored the lake surrounds himself in 1876 when he selected the site for the government tree nursery. Later the government established the first sawmill on the edge of the crater reserve near Moorak homestead in the early 1920s. The Centenary Tower was initiated in 1900 to celebrate the centenary of Captain Grant sighting Mt Gambier. It took several years to complete and was opened by the Chief Justice of SA Sir Samuel Way in 1907 but it was completed in 1904. The whole complex is a maar geomorphological formation which originated during a volcanic era about 28,000 years ago but in a second phase of volcanic activity 4,000 to 6,000 years ago the cones and lakes of Mt Gambier were created along with the cones of Mt Schank and Mt Burr near Millicent. Mt Gambier was the most recent volcanic explosion in Australia. The crater lakes are: Blue Lake, Valley Lake, Leg of Mutton Lake and Browne’s Lake (dry). The Blue Lake is linked to the aquifers beneath the deep layers of limestone which underlay the entire South East. Blue Lake is about 72 metres deep and some of the water in it is estimated to be about 500 years old but it is mixed with rain runoff each year as well. The Lake provides the water supply for Mt Gambier. Deep in the lake are examples of the oldest living organisms on earth- stromatalites. The lake changes colour from grey to vivid blue each November and reverts in the following April. The change in colour is related to the position of the sun and reflected light from suspended particles in the lake which reflect blue green light rather than brown grey light. Secondly the suspended matter only occurs because the water near the surface rises in temperature in the spring and it is this which causes the particles to precipitate out of the water. The precipitated matter settles on the bottom of the lake ready for a new cycle the following spring. Like the Blue Lake various sink holes in the district have linkages to the underlying aquifer through the layers of limestone too and they include Cave Gardens, Umpherstone, Piccaninni Ponds, etc.

Moorak Station and Tenison Woods College.
Moorak station as originally known as Mount Gambier Station established by George Glen in the 1840s. The leasehold was later taken over by David Power who in turn sold it to Fisher and Rochford who in turn sold the estate as freehold to the Scottish Dr William Browne who had established Booborowie run with his brother in 1843 north of Burra. The Browne brothers dissolved their partnership around 1865 and John went to live at Buckland Park and William took up residence at Moorak. William had purchased Moorak Station in 1862 and built the grand Moorak homestead in impressive Georgian style onto a smaller house there. William died in 1894 and the Moorak Estate passed to his son Colonel Percival Browne who was to disappear on the ill-fated voyage of the new steamer the Waratah in 1909 which disappeared during a storm off Durban, South Africa. Also on that voyage was Mrs. Agnes Hay (nee Gosse) of Mt Breckan Victor Harbor and Linden Park Estate Adelaide and some 200 other poor souls. Around 1909 the Moorak Station was subdivided for closer settlement and in the 1920s the Marist Brothers purchased the homestead with a little land for their and monastery and opened the Marist Brothers Agricultural College for boys in 1931. That college in turn merged with the Mater Christi College in 1972 to become Tenison College. (Mater Christi College had been formed in 1952 by the merger of the St Josephs Convent School (1880) and St Peters Parish School but the primary section of St Peters broke away in 1969 from Mater Christi College and formed a separate St Peters Primary School. This primary school in turn merged with Tenison College in 2001 to form Tenison Woods College!) The College name commemorates the work of Father Julian Tenison Woods who arrived in Mt Gambier in 1857 to work in Penola and Mt Gambier. It was he who encouraged Mary MacKillop to take her vows and establish her Sisters of St Joseph.

Dr Browne’s manager of Moorak Estate in 1868 introduced hops as a viable crop in the South East and large quantities were grown for about 20 years. Other early experimental crops grown included tobacco, cotton and flax. Dr Browne and Moorak were also important in the potato industry. Dr Browne leased around 830 acres to 20 tenants for the express purpose of growing potatoes. He was keen to emulate the British aristocracy although he was a good Scot with being a manorial style landlord with tenant farmers. Potatoes were also grown from the early years at Yahl, OB Flat and Compton near Mt Gambier. The potatoes were carted down to Port MacDonnell and shipped to Adelaide for consumers. As one of the major wool producers of Australia William Browne contributed roughly half of the funds for the erection of Christ Church Anglican in Mt Gambier. The Moorak estate consisted of around 11,000 acres of the most fertile volcanic soil in SA with another 2,000 acres in a nearby property, German Creek near Carpenter’s Rocks. Dr Browne ran Silky Lincolns on Moorak for their wool as Merinos did not fare well on the damp South East pastures. About 2,000 acres was in wheat, about 2,500 acres was tenanted to other farmers and around 4,000 acres were in lucerne, clover, rye and other pasture grasses. William Browne returned to live in England in 1866 so his sons could attend Eton and military training colleges there. He made regular trips to SA about every second year to oversee his many pastoral properties here. When he died in 1894 he left 100,000 acres of freehold land in SA to his children who all resided here as well as leasehold land. He was an extremely wealthy man. Son Percival took control of Moorak. Before Percival’s death Moorak Estate was partly purchased by the SA government in 1904 for closer settlement when they acquired around 1,000 acres. After Percival’s death a further 6,300 acres was acquired for closer settlement and the remainder of the estate was sold to other farmers. The government paid between £10 and £31 per acre for the land. Percival Browne was highly respected in Mt Gambier and a reserve around the Blue Lake is named after him. The fourth of the crater lakes of Mt Gambier is also named Browne’s Lake after the family but it has been dry for decades. In 1900 Colonel Browne planted the ring of English Oaks around what was to become the oval of the Marist Brothers College.

Moorak.
There is a memorial by the station to William Browne as founder of the Coriadale Sheep Stud. The great Moorak woolshed was demolished in 1939. The Union church which opened in 1920 was used by the Methodists and the Anglicans. It is now a private residence. Moorak hall was opened in 1926. New classrooms were added to the Moorak School in 1928 and the first rooms opened in 1913. The cheese factory in Moorak opened in 1913 as a cooperative and was sold to Farmers Union in 1949. They closed the factory in 1979. Most of the cheese produced at Moorak went to the Melbourne market. The first cheese maker at Moorak was trained at Lauterbach’s cheese factory at Woodside. Moorak was one of a circle of settlements around Mt Gambier that had butter/cheese factories. These towns were: Kongorong; Glencoe East; Glencoe West; Suttontown; Glenburnie; Mil Lel; Yahl; OB Flat; Moorak; Mt Schank; and Eight Mile Creek.

Yahl.
In the 1860s this tiny settlement was a tobacco, hop and potato growing district and it persisted with potatoes up until recent times. Today Yahl is little more than a suburban village of Mt Gambier with a Primary school with approx 120 students. The old government school was erected in 1879. It had a Methodist church built in 1880 which operated as a church until 1977 and it had a large butter factory which had opened in 1888. The butter and cheese factory was taken over by the OB Flat cheese factory in 1939 and the two operated in conjunction with each other. The OB Flat cheese factory closed in 1950 and all production moved to Yahl. The factory finally closed in 1971. The township of Yahl also had a General Store and a Salvation Army Hall which was built in 1919.

Sink Holes: Umpherston Gardens and Cave Gardens.
James Umpherston purchased land near Mt Gambier in 1864 which included a large sink hole or collapsed cavern with a lake in the bottom. He was born in Scotland in 1812 and came to SA in the 1850s with his brother William. William purchased his first land at Yahl in 1859. James Umpherston was a civic minded chap being a local councilor, a parliamentarian in Adelaide for two years and President of the Mt Gambier Agricultural and Horticultural Society for 13 years. When he retired from civic life and farming in 1884 he decided to create a garden in his sinkhole. He beautified it and encouraged visitors and even provided a boat in the lake for boat rides. Access was gained by steps and a path carved into the sinkhole walls. However after he died in 1900 the garden was ignored, became overgrown and was largely forgotten in 1949 when the Woods and Forests Department obtained the land for a new sawmill at Mt Gambier. By then the lake had dried up as the water table had fallen over the decades. In 1976 staff, rather than the government, decided to restore the Umpherstone gardens. The cleared out the rubbish that had been dumped in the sinkhole, restored the path access, trimmed the ivy and replanted the hydrangeas and tree ferns. In 1994 the Woos and Forests Department handed over the land around the sinkhole to the City of Mt Gambier. It was added to the SA Heritage Register in 1995.

Mt Gambier. Mount Gambier. Wesleyan Methodist Church in Mt Gambier built in 1862. Now used by the Liberty Christian group.
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Brief History of Mt Gambier – the second city of SA after Adelaide (region population nearly 35,000, urban 28,000).
Lieutenant James Grant aboard the Lady Nelson sighted and named Mt Gambier in 1800 after a Lord of the Admiralty. The first white man to traverse the area was Stephen Henty of Portland in 1839 when he sighted the Blue Lake. He returned with cattle and stockmen in 1841. He later claimed that had he known the lake and volcano he had discovered in 1839 was in SA he would have immediately applied for an 1839 Special Survey. But Henty thought he was squatting on land in NSW and he was not an official SA settler so the government ordered him off the land in 1844. Thus the first official white settler of the South East and the Mt Gambier district became Evelyn Sturt, brother to Captain Charles Sturt, who took up an occupational license in March 1844 and a property he named Compton just north of the present city. In April 1844 Governor Grey and a party of assistants including the Assistant Surveyor General Thomas Burr and artist George French Angas explored the South East naming Robe and doing the first surveys. Evelyn Sturt became the first to have an occupational license to squat and the first purchase freehold land near Mt Gambier which he did in 1847- a section of 77 acres when 80 acres was the norm. He left the district in 1854 selling his freehold land to Hastings Cunningham who in 1855 subdivided some of this land thus creating the town of Gambierton. The town lands were adjacent to the site of the first police station selected near what is now Cave Gardens by the government in 1845. A small bush inn also operated at this spot. The first streets were named after early locals such as Evelyn Sturt, Compton, Ferrers and Crouch (built the first general store before the town was created) etc. The town grew quickly because of the mild climate, fertile soils, plentiful water and the influx of settlers from across the border in what was to become the colony of Victoria. Cunningham himself was a great benefactor and donated land for the first school in 1856. In 1861 the town name was changed by act of parliament to Mt Gambier. The Hundred of Mt Gambier (along with three other hundreds) was declared in 1858 and began the closer settlement of the South East.

Unlike other areas of SA the South East was seen as paradise for pastoralists and the optimistic pastoralists flocked to the area with their flocks in 1845. The large runs locked up the land and prevented farmers from settling in the region except for the fertile lands around Mount Gambier. Here small scale farmers had small properties and grew potatoes, hops, and later had dairy cows as well as growing wheat and oats. Land acts in the early 1870s designed to break up the big runs only partially succeeded in the South East where most station owners bought up their lands freehold. It was after 1905 before the big pastoral estates were really broken up for farmers and closer settlement, except for near Mt Gambier. Apart from Evelyn Sturt the other early white settlers of the South East in 1845 were Alexander Cameron at Penola, John Robertson at Struan, William Macintosh and George Ormerod at Naracoorte, the Austin brothers at Yallum Park (later John Riddoch), the Arthur brothers (nephews of Governor Arthur of Van Diemen’s Land) at Mt Schanck( now Mt Schank) and the Leake brothers at Glencoe. In fact in 1845 nineteen leasehold runs were taken up in the South East with a further thirty runs in 1846 and most had several 80 acres sections of freehold land near the main homestead. Most had got to the South East from Casterton and Portland in Victoria as the swamps near the coast were too difficult to traverse except for the country near Robe. Many of the estates were huge. Evelyn Sturt on the Compton/Mt Gambier run had 85 square miles as well as his freehold land; Robertson had 135 square miles at Struan; George Glen (and William Vansittart) of Mayurra had 110 square miles; the SA Company had 159 square miles on the Benara run; the Leake brothers had 194 square miles on Glencoe; Hunter had 56 square miles on Kalangadoo; Neil Black of Noorat Victoria had 45 square miles on Kongorong run and 101 square miles at Port MacDonnell and the Arthur brothers had a huge run at Mt Schanck. By 1851 almost 5,000 square miles of the South East was occupied by Occupational License and most licenses were converted to 14 year leases in that year. A third of all leasehold land in SA was taken up in the South East because of its higher rainfall and suitability for pastoralism and a third of all sheep in the colony were in the South East. When Hundreds were declared in the South East in the late 1850s and early 1860s pastoralists bought up the land. In one case John Riddoch of Yallum Park owned the entire Hundred of Monbulla. Another pastoralist W. Clarke who had purchased Mt Schancke station from the Arthur brothers in 1861 owned SA land valued at £1.25 million when he died in 1874 and he had 120,000 acres freehold in Victoria, 75,000 acres freehold in SA( Mt Schank) and 50,000 acres freehold in each of NSW and Tasmania! Mt Schanck was changed in Schank in 1917 when German place names in SA were changed as Schank without the second “c” is an old English name!

In the 1850s Mt Gambier was a shanty village as the South East was a region of large pastoral estates and little agricultural farming and very low population numbers. It was far from Adelaide and remote and it was only after the Princeland episode in 1862 with the threat of possible secession to a new state that the Adelaide government began to invest in the South East and really encourage settlement there. The Border Watch newspaper was established in 1861, the Mt Gambier Hotel opened in 1862 and the Mt Gambier Council was formed in 1863.By the early 1860s Mt Gambier had almost 1,000 residents making it one of the largest towns in SA after the copper mining centres of Burra, Kadina and Moonta. By the 1881 SA census Mt Gambier had 2,500 residents making it the biggest town outside of Adelaide. In 1865 four iconic historic buildings were erected-the Courthouse, the Gaol, Christ Church Anglican and the Post Office and Telegraph Station. The flourmill which later became the Oat Mill opened in 1867 as wheat farmers had now taken up lands around the Mount. Mt Gambier was growing into a fine prosperous looking town with churches, stores, banks, hotels and fine residences. In the 1870s the rural population increased dramatically with tenant potato farmers on Browne’s Moorak estate and intensive hop growing in several localities such as Yahl and OB Flat and Glenburnie etc. Also in 1876 the first commercial forestry was started at the behest of George Goyder. A tree nursery was established on the edge of Leg of Mutton Lake in 1876 on a site selected by George Goyder himself. A stone cottage for the first nurseryman Charles Beale was constructed and it survived until demolished in 1969 but the nursery closed in 1929. The nursery propagated eucalypts, Oak, Elm, Ash, Sycamore, and North American pines. Pinus radiata was first grown at Leg of Mutton Lake and was being dispersed to other areas by 1878. Pinus canariensis was also grown in the 1880s. Pinus radiata is now the most commonly grown commercial forest tree in SA and Australia. Also in the 1870s the first hospital was erected and Dr Wehl, the town’s doctor for many years was in residence.

In the mid 1880s the first rail line was laid as the railway lines pushed out from Mt Gambier to Naracoorte. The service to Naracoorte began in 1887 and connected on with the line to Bordertown and Adelaide. By 1897 a railway connected Mt Gambier to Millicent and the port at Beachport. The railway line across the border to Heywood and Melbourne was not completed until 1917 as the SA government resisted a line that would take goods and passengers from Mt Gambier to Port Melbourne rather than to Port Adelaide. Mt Gambier railway station used to be a hive of activity with daily trains to Adelaide and an overnight sleeper services several times a week. Passenger trains to Mt Gambier from Adelaide stopped in 1990 after Australian National took over the SA railway network. Freight services stopped in 1995 and the railway line and station was formally closed. The railyards and other buildings were cleared in 2013.

The Buandik Aboriginal People.
The Buandik people are commemorated in a city street but by little else. Yet they were resilient and determined fighters opposed to the white settlement of the South East. Their occupation of the Mt Gambier district stretches back to around 20,000+ years but their dated occupation from archaeological sites goes back to about 11,000 years with their myths and legends including stories about volcanic activity at Mt Gambier. The last volcanic explosions were about 4,000 years ago. Both Mt Schank and Mt Gambier were important places to the Buandik for ceremonies, hunting, access to water and stone implement making. A government report in 1867 noted that the Buandik people in government care were few in number mainly sickly and elderly. The younger people had presumably moved out into the white community. But back in the 1840s the Buandik were a force to be reckoned with. There are no common stories of Aboriginal massacres but white pastoralists certainly retaliated when sheep were stolen. On Mt Schank station the Buandik were so troublesome that shepherds would not venture out to care for sheep alone and the Arthur brothers gave this trouble as their reason for them selling the run in 1845. In 1845 the government established a police station at Mt Gambier, which the Protector of Aboriginals visited, to ensure that pastoralists did not massacre the Buandik.

William Vansittart and Vansittart Park.
Vansittart Park has been a focal point of Mt Gambier since 1884 for activities such as family picnics, political rallies and speeches, bike racing, band rotunda concerts, bowling greens, sport oval, grandstand (1927) and Anzac memorial services. But who was William Vansittart? He was an Anglican reverend from England (Vansittart is a noble and political Anglo-Irish family in the UK) who arrived in SA in 1847 as a young bachelor. He was never licensed as a minister in SA but he developed his passions for making money and horse racing here. He mixed with the elite of Adelaide like Sir Samuel Davenport, the Governor and was a friend of Hurtle Fisher and he was Master of the Hounds. In 1850 he purchased 35 acres at Beaumont where he built Tower House and 80 acres at Mt Gambier. He imported a thoroughbred horse from Hobart called Lucifer. Ironic that a minister of religion would have a horse called Lucifer! His horses raced in Adelaide, Salisbury, Gawler, Brighton and Clare as well as in Mt Gambier and Penola. In 1851 he also took over the 110 square mile 14 year lease of Mayurra run with George Glen of Millicent. In 1852 he returned to England for a short time and on his return he purchased more freehold land bringing his estate to around 800 acres. Not long after in 1854 his horse shied, he was thrown against a tree and died of head injuries but he died intestate with an estate worth over £10,000. Glen bought out his share of Mayurra; the Beaumont house and property was sold in 1867 as were his race horses and his brother Captain Spencer Vansittart eventually inherited the Mt Gambier property. In accordance with William’s wishes 115 acres were set aside to provide income for a scholarship for boarders at St Peters Boys College which happened from 1859. Later in 1883 Spencer Vansittart offered 20 acres to the Mt Gambier Council for a memorial park at the “nominal” sum of £400 which hardly seems “nominal”. The Council raised a loan and purchased the land and the park is still enjoyed by the city’s residents and visitors. Captain Spencer’s widow sold the last package of 300 acres of land in 1912 thus ending the Vansittart links with Mt Gambier. The Vansittart scholarship is still available for boarders from the South East and is operated by a group of College trustees.

Some Historic Buildings in Mt Gambier and a town walk.
Your town walk is basically straight ahead along Penola Road towards the Mount itself which becomes Bay Road( the bay is at Port MacDonnell) once you cross Commercial Street which is the Main Street. There are just a few diversions to the left as you face the Mount. The coach will collect you at the Mount end of the walk near the Old Courthouse.

If you a good walker check out the fine houses in Jardine Street at numbers 1, 7, 9, 11, 12, 17 and 22. They range from cottages to Gothic and turreted mansions including the home of Jens the hotelier. This detour will add another 10 minutes to the walk if you elect to do it.

1.Catholic Covent. Sisters of Mercy setup a convent school in 1880. This wonderful convent was not built until 1908 in local dolomite stone & limestone quoins. Note the fine stone gables with small niches for statuary, the well proportioned arched colonnades and upstairs oriel windows – the projecting bay windows with stone supports. This is one of the finest buildings in Mt Gambier. The convent closed in 1986. Now Auspine.

2.Wesleyan Methodist Church Hall/Sunday School. Across the street is pink dolomite neo-classical style Wesleyan Methodist Sunday School Hall. Hundreds of children attended Sunday School in those days. It opened in 1904. It is now commercial offices. (If you want to walk up Wyatt Street beside the Sunday School and turn right at second street which is at Gray you will see the old two storey Methodist Manse at 101 Gray St. It was built in 1868 and sold 1941. As you turn into Gray Street the Salvation Army Hall is on your left. Allow 10 minutes for this detour before returning to Penola Road).

3.Methodist Church now Liberty Church. A Gothic large church built in 1862 by the Wesleyans. Opened by minister from Portland. Additions made 1877 with new entrance. The old lecture hall and Sunday School was beneath the church. Note the buttress on corners and sides. Became Uniting Church 1977 and closed 1994 when services moved to St Andrews Presbyterian Church. Behind the church (walk through the car park) in Colhurst Place is LLandovery two storey mansion now a B&B. Built 1878 for a flour and oat miller who had his mill in Percy Street.

4.St Paul’s Catholic Church. This impressive Gothic church with huge tower with crenulations was opened in 1884 and will be open today. There are 1966 extensions to the rear of it. The Presbytery is behind the church facing Alexander St. it was built in 1901 when the church was free of building debt. The first thatched bush church was built in another location in 1855. From 1857 the priest was Father Julian Tenison Woods, explorer, academic, horseman etc. A second church opened in 1861 in Sturt St and is now demolished. It closed in 1885 as this church opened. The bells came from Dublin. The church fence and gates built 1936.

5.The Mount Gambier Club. Across the street is the Club. It was built in 1904 for a local distiller as chambers for lease. The wealthy pastoralists of the South East formed an exclusive men only club in 1913 and it has used the upper floor of Engelbrecht’s chambers ever since. They purchased the whole building in 1920. The Club is a beautifully proportioned classical style building with pediments, balustrades, window entablature, and perfect symmetry. Look down the sides and you can see it is made of Mt Gambier limestone blocks.

6.Mt Gambier Caledonian Hall. Next door is the Scots Club. Its prominence signifies the Scottish links of many Gambier residents. The hall was opened in 1914 and opened by the former Prime Minister Sir George Reid, another Scot. It has classical features but is rather ugly and neglected these days. It is now a night club.

7.The Trustees Building. Next to the Caledonian is the Trustee Building erected in 1958. Its blue and bone tiled façade is typical of 1950s architecture yet the rectangular appearance has a slight classical look about it. It is on the SA Heritage Register. Accountants now occupy it.

8.Turn left into Percy Street and go along here beyond KFC for one town block to the next corner for the Oatmills (now a coffee shop and cinemas). Milling and brewing were two of Mt Gambier’s prime 19th century industries. The 4 storey complex here was started in 1867 for Welsh Thomas Williams who eventually had five flour mills. His mill was called Commercial Flourmills. A new owner converted the mill from wheat milling to oat milling. A new oatmill was built in 1901 and operated until 1975 producing Scottish porridge oats. The mill has now been restored with café, shops and cinemas. Return to Penola Rd.

9. Mt Gambier Hotel. No hotel could have a more remarkable origin than the Mt Gambier. An African American John Byng built a weatherboard hotel near here in 1847. The third licensee Alexander Mitchell, another Scot, took it over and moved the hotel to this corner site in 1862 as an impressive two storey hotel which was unusual at that time. The western wing was added in 1883 and balconies affixed in 1902.

10.Cross towards the Mount with the traffic lights then turn left into Commercial Street East.

11.Mt Gambier Town Hall. Marked as the Riddoch Gallery this fine Venetian Gothic style building is impressive with its coloured stone work contrasting well with cement rendered horizontal lines and vertical panels around windows and doors. The upper windows are mullioned with stone divisions between the glass. It was built in 1882 with the clock tower added in 1883 after a donation. The first Council meeting was in 1863 with Dr Wehl as chairman held in a hotel. Later the Council hired a room at the Foresters Hall and then they purchased this site in 1868 with a weatherboard room. This was used until 1882.

12.Mt Gambier old Institute. The Literary Institute was formed in 1862 and a foundation stone laid for a reading room/hall in 1868 by John Riddoch. The single storey institute opened in 1869. The upper floor was added in 1887, so that it would match the new Town Hall. It is built in a similar style- Venetian Romanesque as the windows and rounded and not arched as with a gothic structure.

13.Captain Gardiner Memorial Fountain 1884. The fountain was presented by Captain Robert Gardiner the grandfather of Sir Robert Helpman (his name was originally Helpmann). The fountain was made in Melbourne .Gardiner was also a benefactor of St Andrew’s Presbyterian -he donated the pipe organ in 1885.

14.Jens Hotel. After demolishing an earlier hotel (the 1847 hotel of John Byng) Johannes Jens had the first section of his Jens Hotel built on this corner in 1884. An almost identical eastern wing was erected in 1904 and the Spanish Art Deco section in 1927. Turn right here and go behind the Town hall to the Cave Gardens.

15.Cave Gardens. This spot was an early water supply. A garden was created in 1893 and then improved and reconstructed in 1925. This sink hole has recently been upgraded again and it is lit at night.

16.Post Office. This important communications centre was erected in 1865 as a telegraph office/post office. This is till one of the finest buildings in Mt Gambier and a rare example of the Georgian style for the city. . The single storey side wings were added in 1906 in a sympathetic style. It is still the main city Post Office.

17.Norris Agency Building. This superb Italianate building was completed in 1900 as chambers for businessmen. Owner was Alexander Norris who died in 1917. The façade is pink dolomite with cement quoins and unusual lined decoration work above the windows and door each contained within a triangular classical pediment.

18.Farmers Union Building. Another classical style building built when this style was out of fashion in 1914.Erected for Farmers Union as a large two storey building. It has none of the grace of the Norris building next door. FU was formed in 1888 in Jamestown by Thomas Mitchell, a Scot and others to provide cheap rates for grains, seeds and superphosphate but in the early 1900s they branched into products for dairy farmers and the marketing of milk products. The Mt Gambier district had plenty of dairy farmers. It is now owned by a Japanese company Kirin but it still markets its chocolate milk drinks as Farmers Union. Upper floor has double pilasters (flattened pillars) with top volutes but little other decoration.

19.Savings Bank Building on the corner. The former Savings Bank in Gothic style is unusual for commercial premises in Mt Gambier. It is constructed of weathered local limestone and was built in 1906. Note the different cut stone for the foundations, simulated turrets on the corners and by the door to break the façade appearance and the stone line above the lower window which then divides the façade into equal thirds.

20.Macs Hotel. This hotel was built in 1864 and is largely unchanged except that the upper floor was added in 1881. The first licensee was a Scot named John MacDonald. The double veranda supports are very elegant.

21.Roller flourmill now a painted hardware store. Built 1885 as a steam flourmill in pink dolomite. Note the small 12 paned windows set in much larger indented niches in the walls on the northern wall. (Sturt St.)

22.Christ Church Anglican Church and hall. Dr Browne of Moorak donated half the money for the construction of Christ Church in pink dolomite and with an unusual gabled tower. Church and tower completed in 1866. Adjacent is the Jubilee Hall built in 1915, destroyed by fire in 1951, and rebuilt exactly the same in weathered local limestone blocks with the original foundation stone still in place. It has the single Gothic window in the street facing gable and a crenulated square tower. Adjoining it is the 1869 Sunday School with the narrow double pointed Gothic windows. It was extended in 1892. The lychgate is more recent as a memorial to a regular church goer, Margaret French who died in 1927.

23.The old railway station just visible along the rail lines to your right. The first rail line was to Beachport in 1879 and the second to Naracoorte (and so to Adelaide) in 1887. Portland and Melbourne line opened 1917. A spur line to Glencoe was completed in 1904. First station was erected in 1879. It was demolished for the erection of the current station in 1918 which is similar in design to those in Tailem Bend, Bordertown, Moonta etc. Bluebird rail cars started on the Mt Gambier run in 1953 when the old 3’6” gauge line to Wolseley was converted to 5’3”. The last passenger service to Adelaide finished in 1990 and the station closed for freight in 1995. The railyards were cleared in 2013 and the future of the station is bleak. The rail lines to Beachport and Glencoe closed in 1956/57.

24.The Old Courthouse, 42 Bay Rd. It has a great low wall suitable for sitting on. This well designed Georgian style Courthouse opened in 1865 and the similarly styled side wings were added in 1877. The front veranda, which is not Georgian in style, was added in 1880. In 1975 the Courthouse was granted to the National Trust for a museum. The adjoining new Courthouse opened in 1975 at the same time. Note the “blind” windows to the façade but the same rounded Georgian shaped, 16 paned windows on the sides.

The Blue Lake, Mt Schank and Volcanoes.
The jewel in the crown of Mt Gambier is undoubtedly the volcanic cone, the crater lakes especially the Blue Lake and the surrounding Botanic Gardens and parklands. The Botanic Garden on the north side was approved in 1872 but nothing happened about plantings and care until 1882. The first pleasure road through the saddle between the Blue Lake and the Valley Lake was created in the 1861 as a more direct road to the then newly created international port named Port MacDonnell. That is why the road is called the Bay road. Surveyor General George Goyder explored the lake surrounds himself in 1876 when he selected the site for the government tree nursery. Later the government established the first sawmill on the edge of the crater reserve near Moorak homestead in the early 1920s. The Centenary Tower was initiated in 1900 to celebrate the centenary of Captain Grant sighting Mt Gambier. It took several years to complete and was opened by the Chief Justice of SA Sir Samuel Way in 1907 but it was completed in 1904. The whole complex is a maar geomorphological formation which originated during a volcanic era about 28,000 years ago but in a second phase of volcanic activity 4,000 to 6,000 years ago the cones and lakes of Mt Gambier were created along with the cones of Mt Schank and Mt Burr near Millicent. Mt Gambier was the most recent volcanic explosion in Australia. The crater lakes are: Blue Lake, Valley Lake, Leg of Mutton Lake and Browne’s Lake (dry). The Blue Lake is linked to the aquifers beneath the deep layers of limestone which underlay the entire South East. Blue Lake is about 72 metres deep and some of the water in it is estimated to be about 500 years old but it is mixed with rain runoff each year as well. The Lake provides the water supply for Mt Gambier. Deep in the lake are examples of the oldest living organisms on earth- stromatalites. The lake changes colour from grey to vivid blue each November and reverts in the following April. The change in colour is related to the position of the sun and reflected light from suspended particles in the lake which reflect blue green light rather than brown grey light. Secondly the suspended matter only occurs because the water near the surface rises in temperature in the spring and it is this which causes the particles to precipitate out of the water. The precipitated matter settles on the bottom of the lake ready for a new cycle the following spring. Like the Blue Lake various sink holes in the district have linkages to the underlying aquifer through the layers of limestone too and they include Cave Gardens, Umpherstone, Piccaninni Ponds, etc.

Moorak Station and Tenison Woods College.
Moorak station as originally known as Mount Gambier Station established by George Glen in the 1840s. The leasehold was later taken over by David Power who in turn sold it to Fisher and Rochford who in turn sold the estate as freehold to the Scottish Dr William Browne who had established Booborowie run with his brother in 1843 north of Burra. The Browne brothers dissolved their partnership around 1865 and John went to live at Buckland Park and William took up residence at Moorak. William had purchased Moorak Station in 1862 and built the grand Moorak homestead in impressive Georgian style onto a smaller house there. William died in 1894 and the Moorak Estate passed to his son Colonel Percival Browne who was to disappear on the ill-fated voyage of the new steamer the Waratah in 1909 which disappeared during a storm off Durban, South Africa. Also on that voyage was Mrs. Agnes Hay (nee Gosse) of Mt Breckan Victor Harbor and Linden Park Estate Adelaide and some 200 other poor souls. Around 1909 the Moorak Station was subdivided for closer settlement and in the 1920s the Marist Brothers purchased the homestead with a little land for their and monastery and opened the Marist Brothers Agricultural College for boys in 1931. That college in turn merged with the Mater Christi College in 1972 to become Tenison College. (Mater Christi College had been formed in 1952 by the merger of the St Josephs Convent School (1880) and St Peters Parish School but the primary section of St Peters broke away in 1969 from Mater Christi College and formed a separate St Peters Primary School. This primary school in turn merged with Tenison College in 2001 to form Tenison Woods College!) The College name commemorates the work of Father Julian Tenison Woods who arrived in Mt Gambier in 1857 to work in Penola and Mt Gambier. It was he who encouraged Mary MacKillop to take her vows and establish her Sisters of St Joseph.

Dr Browne’s manager of Moorak Estate in 1868 introduced hops as a viable crop in the South East and large quantities were grown for about 20 years. Other early experimental crops grown included tobacco, cotton and flax. Dr Browne and Moorak were also important in the potato industry. Dr Browne leased around 830 acres to 20 tenants for the express purpose of growing potatoes. He was keen to emulate the British aristocracy although he was a good Scot with being a manorial style landlord with tenant farmers. Potatoes were also grown from the early years at Yahl, OB Flat and Compton near Mt Gambier. The potatoes were carted down to Port MacDonnell and shipped to Adelaide for consumers. As one of the major wool producers of Australia William Browne contributed roughly half of the funds for the erection of Christ Church Anglican in Mt Gambier. The Moorak estate consisted of around 11,000 acres of the most fertile volcanic soil in SA with another 2,000 acres in a nearby property, German Creek near Carpenter’s Rocks. Dr Browne ran Silky Lincolns on Moorak for their wool as Merinos did not fare well on the damp South East pastures. About 2,000 acres was in wheat, about 2,500 acres was tenanted to other farmers and around 4,000 acres were in lucerne, clover, rye and other pasture grasses. William Browne returned to live in England in 1866 so his sons could attend Eton and military training colleges there. He made regular trips to SA about every second year to oversee his many pastoral properties here. When he died in 1894 he left 100,000 acres of freehold land in SA to his children who all resided here as well as leasehold land. He was an extremely wealthy man. Son Percival took control of Moorak. Before Percival’s death Moorak Estate was partly purchased by the SA government in 1904 for closer settlement when they acquired around 1,000 acres. After Percival’s death a further 6,300 acres was acquired for closer settlement and the remainder of the estate was sold to other farmers. The government paid between £10 and £31 per acre for the land. Percival Browne was highly respected in Mt Gambier and a reserve around the Blue Lake is named after him. The fourth of the crater lakes of Mt Gambier is also named Browne’s Lake after the family but it has been dry for decades. In 1900 Colonel Browne planted the ring of English Oaks around what was to become the oval of the Marist Brothers College.

Moorak.
There is a memorial by the station to William Browne as founder of the Coriadale Sheep Stud. The great Moorak woolshed was demolished in 1939. The Union church which opened in 1920 was used by the Methodists and the Anglicans. It is now a private residence. Moorak hall was opened in 1926. New classrooms were added to the Moorak School in 1928 and the first rooms opened in 1913. The cheese factory in Moorak opened in 1913 as a cooperative and was sold to Farmers Union in 1949. They closed the factory in 1979. Most of the cheese produced at Moorak went to the Melbourne market. The first cheese maker at Moorak was trained at Lauterbach’s cheese factory at Woodside. Moorak was one of a circle of settlements around Mt Gambier that had butter/cheese factories. These towns were: Kongorong; Glencoe East; Glencoe West; Suttontown; Glenburnie; Mil Lel; Yahl; OB Flat; Moorak; Mt Schank; and Eight Mile Creek.

Yahl.
In the 1860s this tiny settlement was a tobacco, hop and potato growing district and it persisted with potatoes up until recent times. Today Yahl is little more than a suburban village of Mt Gambier with a Primary school with approx 120 students. The old government school was erected in 1879. It had a Methodist church built in 1880 which operated as a church until 1977 and it had a large butter factory which had opened in 1888. The butter and cheese factory was taken over by the OB Flat cheese factory in 1939 and the two operated in conjunction with each other. The OB Flat cheese factory closed in 1950 and all production moved to Yahl. The factory finally closed in 1971. The township of Yahl also had a General Store and a Salvation Army Hall which was built in 1919.

Sink Holes: Umpherston Gardens and Cave Gardens.
James Umpherston purchased land near Mt Gambier in 1864 which included a large sink hole or collapsed cavern with a lake in the bottom. He was born in Scotland in 1812 and came to SA in the 1850s with his brother William. William purchased his first land at Yahl in 1859. James Umpherston was a civic minded chap being a local councilor, a parliamentarian in Adelaide for two years and President of the Mt Gambier Agricultural and Horticultural Society for 13 years. When he retired from civic life and farming in 1884 he decided to create a garden in his sinkhole. He beautified it and encouraged visitors and even provided a boat in the lake for boat rides. Access was gained by steps and a path carved into the sinkhole walls. However after he died in 1900 the garden was ignored, became overgrown and was largely forgotten in 1949 when the Woods and Forests Department obtained the land for a new sawmill at Mt Gambier. By then the lake had dried up as the water table had fallen over the decades. In 1976 staff, rather than the government, decided to restore the Umpherstone gardens. The cleared out the rubbish that had been dumped in the sinkhole, restored the path access, trimmed the ivy and replanted the hydrangeas and tree ferns. In 1994 the Woos and Forests Department handed over the land around the sinkhole to the City of Mt Gambier. It was added to the SA Heritage Register in 1995.

Stay Alert To Prevent Identity Thieves From Stealing Your Money Or Identity

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Stay Alert to Prevent Identity Thieves from Stealing Your Money or Identity

Thieves make money using identity information of other people. They’re out there finding ways to steal whatever ID information they can get from you. Elderly are often easy prey for them. Your best defense is to be aware of when your identity information is vulnerable to be stolen.

*What is the identity information that thieves can use:

Typical identity information that thieves can turn into money or benefits for themselves include Social Security numbers, credit and debit card numbers, password codes to ATMs and online accounts, your address, telephone number, and aspects about your life – i.e. parents’ full names and more.

*Uses of stolen identity information:

Thieves use the identity information of a person to access his money for their own use or take on the identity of someone. In the former case thieves actually gain access to a person’s bank accounts holding – such as through his ATM card info – or can make credit card purchases online, or receive your social security benefits. In the latter case, thieves create and access benefits that a person’s identity – and his identity information – gives him. This allows the thief to apply for a new social security card, credit cards, get hired as you and incur income taxes in your name…just to name a few.

*How thieves get your identity information:

Thieves acquire identity information from you by a variety of procedures and ploys. They’re there wherever you place, through away, transfer, or simply give your identity-related information. So, they gain your information by stealing your wallet (for more than the money in it), raiding your rubbish cans or forwarding your mail to themselves, making phony telephone calls to you, skimming your cards at phony ATMs – or just looking over your shoulder collecting information while you’re supplying information to your online social networking site, creating online phishing ploys where you’re enticed – often from deceptive emails to you – to give some of your information to phony websites.

*Make use of these tips to avoid giving away your information to identity thieves:

Carry only the credit cards you need in your wallet. And, be sure to photocopy your cards with a record of the customer service phone numbers associated with your financial accounts so you can cancel stolen cards fast. Don’t carry your Social Security number in your wallet or purse. It gives anyone access to some of your personal information. Keep it in a protected place.

Never give any personal information about you or your Social Security number to anyone unless you’ve verified that they are trustworthy. This advice applies to sharing information over the phone, in a store or online. Always be suspicious of any solicitors that approach you – by email, online, at your door or by telephone.

Tear up any mail that contains personal information before your throw it into the rubbish can. Examples are pre-approved credit offers, bank statements or utility bills.

Today, everyone surfs the internet. But thieves use the internet too to steal ID information. They often collect information from unsuspecting “pop-ups”, surf unsecured networks, or hack into retail Web sites. So use a secured network and update your firewall protections on your computer. Severely limit personal information you post on networking web sites.

Check your bank, credit card and other financial account information, along with your credit score, once a year to reduce the risk of unauthorized charges or credit applications. Check your monthly statement carefully. If you see a suspicious charge, immediately contact your financial institution.

If you ever notice unauthorized purchases on your credit card or a new account opened in your name immediately contact one of the three major credit bureaus – Equifax, Experian or TransUnion – and ask that a “fraud alert” be placed on your record. They’re very good at tracking down fraudulent charges.

Shane Flait gives you workable strategies to accomplish your goals in financial, legal, tax, retirement and protection issues. .
Get his FREE report on Managing Your Retirement =>
http://www.easyretirementknowhow.com/FreeReportandSignUp.htm
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The best rewards credit cards and how I use them to get big money

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Buy A House With No Money Down And Bad Credit

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Becky shows you one way poor people can buy a house with no money down and bad credit. She knows this method works because she did it twice.

If you’re wondering if it’s possible to buy a house with no money down the good news it is possible to buy a house with no money down, in this video Becky explains her method and explains step by step how to buy a house with no money down.

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Wonderful Personal Money pictures

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Some cool personal finance images:

Personal Finance
personal finance
Image by 401(K) 2013
An image that would be great on a financial website

I am the designer for 401kcalculator.org. I have put all these images in the public domain and welcome anyone to use them however please credit our site as the source if you do: 401kcalculator.org

spiral tribe
personal finance
Image by new 1lluminati
Why? Lifting the veil: wakey wake key ~
It’s time to awaken from the larval dream. It’s time to emerge from the chrysalis and metamorphose. It’s time to step out of the plastic straitjacket and remove the blindfold tightly tied around body and mind by insecure family, indoctrinating schooling and insincere relationships. It’s time to decide who you really are, what you’re truly here for – and why.

It’s time to ask, “what’s ‘work’, what’s a ‘job’, what’s freedom, and what in hell is everyone doing – and why?” It’s time to stop making non-existent illusory money and garnering disinterested social approval by giving your time and energy to speed the destruction of Planet Earth’s biosphere – time to live a real life in a real living world instead of running a rat race through a pseudo civilisation of loathsome architect-designed concrete toilets in a pointless maze of toxic termite towers.

Yes, yes, you’ve heard it all before and you already know what’s going on. You don’t need to be told. You know what you need to do. You already know how you really could be living, thanks very much. You’ll get around to it in your own sweet time, when you’ve paid off your debts, when your family’s grown up, when you get some free time to pause and change tack, when you retire, when you win the lottery. When you’re good and ready.

Sure, buddy. Sure sis. You’ll get around to doing the right thing when you’re dead – in your next incarnation on a planet you’ve helped to thoroughly degrade and ruin – when you’re reborn in Bangladesh or Mongolia or sub-Saharan Africa, instead of in a better, blessed place where you can actually be free and make a difference, like here and now.

It’s time to find ways to share what remains of our beautiful planet with honour and without guilt. It’s time to decide whether to live a life of truth and beauty or die for a lie you know to be false. You’ve already chosen; your actions and ‘lifestyle’ are your choice, and the time has come to reassess your decisions and remake your destiny.

It’s time to realise why you’ve given yourself such an incredibly rare and privileged life that you actually have the space, mentality and leisure time to sit back and read this little diatribe. Now is the time and you are the person on the spot. You’re the one we need to save the world – now, at this critical juncture betwixt future and past. Living for life or dying for death? Choose. Now.

The system is set up to make you think you’re either on the high road to material success or sliding down a slippery slope to a loser’s failure; yet it’s designed to ensure you fail in the end. ‘Society’ is set up to ensure anything you build or create is taken from you, bit by bit, clod by clod, and stolen from any you choose to bequeath it to. Putrescent obsolescence is built into everything you’re sold and all that you’re told.

In modern all-consuming societies you’re taxed more highly than any ancient feudal serf, and even when you buy something outright you’ve just begun paying for it with the only thing you can ever really own – your time. The time of your life is taxed and stolen by those you vote for on behalf of remote controllers who think they ‘own’ the world. There are plenty of alternatives to their manipulated systems, but they’re all carefully concealed from you.

Most humans base their entire lives – plans, hopes, fears, dreams and strategies – on outdated assumptions programmed into them by brainwashed timeservers. They smother their kids in regimental uniforms and don’t care enough to notice how playtime becomes muted, how minds are restrained and freedom retrained into uniform mindlessness. They follow in the footsteps of torpid dolts and wonder why a regimented life is boringly doleful. Trained to subservience by millennia of feuding feudalists, humankind can only approach absolute truths (and long term survival) by roundabout routes that invariably lead people further astray.

Schooling isn’t education. It’s a system where open minds are successfully closed and everything not forbidden is compulsory. ‘Modern’ schooling ensures that cheats always prosper and that bullies and liars always prevail in the ‘real’ outside world of business and finance. Today’s educational establishments are dopey money factories designed to extort obedient volunteer slaves. No intelligent independent minds are found in them; none can survive there.

Schools, colleges and universities are quagmires of brainwashing, cultural imperialism and mindless training for destructive jobs that will soon cease to exist – training yards designed to serve the momentary needs of industries owned and run by short sighted paranoid sociopaths. They’re the birthplace of hierarchy and corruption. You know it’s true. Any real learning achieved is incidental. Scores and scoring a cushy job where you can lord it over others are everything. Learning and knowledge are secondary, sacrificial goals.

The system is thoroughly rigged by and for the worst elements to make sure that only most egregious people rise to the top of the dung heap and prosper. Only the worst control freaks and insecure jerks with killer ‘instincts’ claw their way to the summit. You know it’s true. There’s no ‘survival of the fittest’ (or even of the most adaptable) involved. Societies aren’t interested in change and evolution, but in security, status and stasis. And sooner or later stasis always means extinction, not survival.

But you can be different. So can your children. Deny the unloving death of blind conformity and confirm a free loving life with every action. Be what you always wanted to be, ’ere it harm none. If you’re well intentioned and wise the multiverse will provide. Choose. Now.

People are bigger than their straightjackets. You have the power to remove any blindfold and widen your vision whenever you choose. You have the ability to concentrate, meditate, cogitate and liberate. Only you can do it. Only you can free yourself, heal yourself, grow and learn. No-one can do it for you and anyone who says they can is a liar you need to avoid. And you have to do these things or die blind, lonely and incomplete before your time.

You’re a psychic immortal who gets precisely what you created. Only when people develop the inner divining and dowsing facilities latently inherent in all conscious beings are they able to discern truth from lies –able to actually tell the truth. You can only be free when you drop all that cultural conditioning and learn to open your inner sight. You can only decide what’s what, what to do and why when you have genuine personal insight.

Welcome to the new Aeon, a time when dangerous old myths can finally be laid to rest and healthier new legends allowed to arise from the ashes of yesterday’s ignorance.

One easy way to learn the truth is to ask two simple questions; ‘Why?’, and ‘Who Profits?’ Keep these liberating queries in mind as you progress onward…

Here’s a handy list of dangerous myths we need to lay to rest (and drive stakes through the hearts of. Repeatedly).

‘What did you do to save the world, daddy/mummy?’

Lie #1: The planet will soak up any mess humans make.

It won’t – not in any timeframe recognisable by you. We’ll all be dead before the planet is repaired and reforested unless WE go out and clean up our messes, stop the destruction of living treasures, replant entire continents of forests and weed and nourish them for generations, starting yesterday. Most brain-deprived, depraved ‘leaders’ seem to think the planet merely needs to be repaved. Don’t fall for their bandaid ‘solutions’. Opt out of death-dealing ‘civilisation’ and help start fresh societies in the green living world beyond the walls.

1b: Trees are a renewable resource. Forests will grow back if we cut them down.

They won’t. They haven’t. When the soil has washed away, the seed stock is gone and rainfall has disappeared (because forests make most of our rain, and store most of our fresh water) you’ve killed all the most interesting, nourishing and beneficial plants and animals and inherit a desert of sand, clay and rocks. It takes centuries for trees to be large enough, with large enough hollows, to support viable animal populations – including humans. Forests without animals are scrubby denuded death zones bereft of nutrients.

Idiots are still cutting down trees for money when there are better, cleaner, cheaper and totally renewable solutions for everything provided by natural forests – for everything except clean water, food and air! Somewhere near you, now, today, a forest is being felled. Help anyone who’s trying to stop them. Now.

Without global forests you’ll have no water fit to drink, no air fit to breathe and no crops to eat. The truth isn’t ‘out there’ – it’s obvious to any who actually look with unblinkered eyes.

Lie #2: Burning toxic fuels with lethal exhausts isn’t dangerous to the ecosystem or to people, and we need to keep doing it to fuel a prosperous civilisation.

It is. We don’t. If you don’t know about better technologies that are already available your head is in the sand with the in dust ‘realists’, looking for another oilfield or coal seam to vampirise. Some advanced nations are already totally fuelled by clean renewable energy. Literally hundreds of patents for new energy technologies are literally suppressed and stolen by ‘intelligence’ and ‘the military’ on behalf of ruthless killer corporations every year. Clean, free energy systems have been available for over a century and repeatedly eliminated, along with their investors (see nexusilluminati.blogspot.com/search/label/free%20energy ). One name should suffice to explain much; Nikola Tesla.

The truth isn’t ‘out there’ – it’s being actively suppressed all around you. Why? The answer is a nested series of onion skins; the Russian dolls of money, control and power wrapped round an inner core of ultimate terrified insecurity.

2b: Human-made global warming is a lie spread by some unnameable group to control our lives and make us poorer.

It isn’t. The fossil fuel power mongers have lied to you so successfully that many or most people have been convinced ecologists have some vested interest in misleading them – instead of the profiteering planet killers who make gazillions from mining and selling you toxic and unnecessary products. CO2 IS a ‘greenhouse gas’, whose levels have dictated global temperatures for billions of years.

Whether we inject enough heat into the biosphere to forestall an impending cyclic ice age or simply create a global desert, every industry that injects carbon dioxide into the biosphere is doing so as a byproduct of pumping far more deadly chemicals into your body all the time, in the interests of meaningless profit. Anyone who tells you otherwise is simply lying or ignorant.

Any time someone tells you that carbon dioxide isn’t a greenhouse gas or that manmade global warming is a lie, challenge them for some data – any real facts – and you won’t get any that aren’t constructs of half-truths, misdirecting distractions and outright lies. Humans ARE heating the planet with toxic emissions regardless of what industry shills and conspiratorial ignoramuses tell you (see nexusilluminati.blogspot.com/search/label/co2 ).

Time for an inconvenient and little-appreciated fact: when climate scientists tell you there will be, say, a five degree Celsius rise in global temperature they’re talking about global averages – including sea temperatures, which will hardly rise at all. A ‘five degree average rise’ means a TEN DEGREE rise – or more – on the land (outside the tropics) – where you and everything that makes it possible for you to survive actually lives. Forget drowning cities and sinking islands – all that will be left is desert and dust if we allow our ‘leaders’ to keep taking bribes from blindly competitive in dust ‘realists’.

There is no truth on the side of profiteering corporations, surprisingly enough – and the only ‘invested interest’ environmentalists have is the wish to survive and thrive. Have you heard of the Precautionary Principle? If you haven’t, google it. The truth isn’t ‘out there’, it’s simple: stop using toxic products fuelled by toxic fuels that make profits for toxic monopolies run by toxic people.

Authorised Docterds
Lie #3: We’re repeatedly informed that ‘education is liberation’. It isn’t. Learning is liberation; education swiftly becomes rote indoctrination. The most dangerous, authoritarian ignoramuses are those who stayed in school the longest. No-one with a doctorate is entirely sane. No-one who demands money in exchange for healing the sick, protecting another’s rights and freedom, repairing the ecosystem or providing education can be trusted; they know nothing of truth and are part of the problem, not the solution. Anyone who profits from another’s misery, toil or terror is actually, functionally, a heartless sociopath.

In ‘advanced’ notions today, more people die from medical errors than from any other cause. Only a few years ago docterds ensured that just about everyone in ‘developed’ notions had organs removed from their bodies ‘just in case’ something went wrong. Every child was expected to have their tonsils and adenoids (lymph glands), appendix and wisdom teeth ‘removed’, just in case their docterd couldn’t afford a flashier car or another mistress. And many an operation led to another, to correct the mistakes made in the first. It was all bullshit and almost everyone fell for it, because, like priests and lawyers, docterds claim a false monopoly on access to life and death and rule only by terror. See hermetic.blog.com/2012/09/16/freeing-god’s-slaves-the-e…

Today fluoridation, toxic vaccines, poisonous drugs and a host of other techniques bestow slow death and perpetual dissolution on the incredibly patient (trusting, ignorant and terrified) patient.
See nexusilluminati.blogspot.com/search/label/fluoridation and nexusilluminati.blogspot.com/search/label/vaccines

Your health and mind are in your hands. Sawbones/surgeons can occasionally be handy in real emergencies but best avoided at all other times. Once in a while you may damage yourself so much you need some repairs, but the only actual healing is done by you, your self, your body. The placebo effect – whereby if you believe something will heal you it will, regardless of whether it has any active ingredients or not – is estimated by reputable sources as being around forty percent – that’s 40%! This means that almost half of all cures are widely accepted as being basically magical –consciousness-driven – in nature. The other sixty percent are as well.

Time for some Truths
Cui Bono? Who Profits? Who is it good for?

Truth #1: Who profits? No-one who doesn’t have another planet or two readily available profits from old style industrial societies. Yet there will always be some deluded power monger willing to kill millions – to wreck an entire planet and civilisation – so that they can have a flashier car or another mansion complex surrounded by bodyguards and electric fences.

There are always those who’ve been so successfully brainwashed they’ll actually believe that Santa Claus, the Tooth Fairy, the Messiah, a Redeemer, a big bearded genocidal racist asshole in the sky, his fallen foes or his mythical toady son are real – and these naïfs make fine prey for patriarchal paedophilic proselytising pederast priests. Who but the most ignorant innocents fall for such superstitious claptrap? Who but an insecure control freak with delusions of grandeur would want to interpose themselves as a middleman between you and your divine psychic heritage?

Anyone who tells you the Divine is only available through some frock wearing po-faced priest, or from some Bronze Age tome cobbled together by merciless barbaric dictators, or through some graven image or guru or savant, is lying. All who ‘worship’ some odd bod god or other fetish are simply trained to doff the forelock, kneel, bow, scrape and be subservient to a dead or deadly psychopathic control freak. Watch out, little girls! Bums to the wall, boys!

Christinanity, Islime and Moronism – to name a few – are nothing more than some of the more recent pernicious death cults focused on lies of pies in the skies at the expense of happy, healthy lives in the only real place – here and now. All other ‘great religions’ are as bad or worse. Religion is a region with a li(e) in it. But they make gigantic tax-free profits! Cui bono?

The truth is always simple. The only beliefs that are true are those that spread life, light, health and diversity – the hallmarks of true survival and wisdom. Everything else is deceptive bullshit.

If you really want to learn how to access the godhead that is the birthright and crown of all beings, all you have to do is listen to the endless programs running through the rat wheel of your mind – and transcend them. Everyone can do it if they try, but the younger and fresher you start deprogramming yourself and tuning into ‘higher’ or ‘deeper’ consciousness the better. See nexusilluminati.blogspot.com/search/label/meditation and nexusilluminati.blogspot.com/search/label/magic if you want to learn how.

Enlightenment will always be available to any true seeker with an open mind and compassionate heart. Guides are always available if you simply search, but accept no substitute for self-gained awareness – and anyone who demands money in exchange for spreading the light of universal awareness is not a person you want anything to do with.

The Lore of the Land

Truth #2: There is no government. There is no law. There are no companies or corporations. Money does not exist. They are fables, illusions, widely accepted truisms – but they aren’t things. They don’t actually exist, except as agreements between people. They have no inherent power. They are clever pernicious illusions.

If you take a closer look you’ll discover that none of your country’s laws has a basis in any fact. In fact, you’ll find that your nation is also merely a notion, a fable agreed to by a sectional segment of some of the people; not all, or even necessarily most, but merely those who profit the most from the fable.

No ‘higher power’ or external ‘divine plan’ or government controls your life. No dog, no master. Thou art god(dess). All human-made laws are simply constructs and contracts, and none are writ in stone. The only real inherent law is the lore or karma and dharma – the ‘golden rule’: Do unto others as you’d be done by. It’s the only law and lore that works, and needs no intercessor or interpreter, no priest, monk, scholar or savant to preserve or transmit through the ages. It’s free for all, forever.

The real Law is no mystery and has no officers. It needs no prophets, liars/lawyers, judges or arbitrators. As above, so below. You are part of a giant hologram, where the whole is greater than the sum of its parts and every part contains the whole. In a holographic universe where everyone shares the same consciousness, anything you do to or for anyone else is something you do to or for your self.

Don’t kid yourself that ‘good deeds for others will reap rewards’. Of course they will. But anything you do for your children, family or strangers you’re actually doing for yourself. Caring about your family more than anyone else is perfectly understandable on a mechanical, biological and genetic level – but it’s also the basis for the worst traits of humankind. Racism, genocide, slavery and most forms of discrimination are outgrowths of such ‘love’, which is actually selfish at its root. Everyone is your family.

In fact, everyone is you, and you are everyone, for thou art god(dess), recreating the manifest world from instant to moment at a level beyond and behind linguistic thought.

Abundance and Scarcity: It’s Falseconomy, Stupid!

Truth #3: Money doesn’t exist. It’s a global pyramid scam whereby only the first ones in get to the top of the pyramid – everyone else loses. We have the ability to provide everyone on the planet with enough food, water and shelter – but we don’t appear to have enough of an entirely imaginary commodity to do it with. Something is very wrong.

The ‘science’ of economics is bullshit, as any true scientist can tell you. Arbitrary rules are continually altered and no ‘economist’ can make accurate predictions based on ‘economics’. It’s just another scam to make you think ‘authorities’ know what they’re doing and can be trusted to look after your best interests. Lol.

Money is simply invented. It’s created at the flick of a keyboard. It’s all made up; simply invented by (in)vested interests with ‘interest’. When the illusion is so arranged as to make it appear the ‘economy’ is circling the drain you go down the tubes – but the banksters, monarchs and in dust realists who own actual, tangible things don’t, as we all ought to recognise. This happens regularly and repeatedly. I won’t go on – see nexusilluminati.blogspot.com/search/label/banksters and never take out a loan. Don’t use banks. There are plenty of alternatives.

Become as self-sufficient and live as sustainably as possible.

People are told they must pay money to inhabit a patch of the planet, and because they’ve been trained to accept a vast raft of lies by feudal societies run by hideous robber barons surrounded by gunmen they simply accept it.

People are told they must go to school and work every day to provide enough food, water, shelter and entertainment for themselves and their families. It’s a lie. That only has to happen because we’ve allowed industrious robber barons and banksters to steal everything and arrange it that way when we have a wide choice of much better possibilities. Now, at the dawn of the Third Millennium, the new industrious revolution has begun and advancing automation, nanotech and new processed like 3d printing mean that the jig is up. Full ‘employment’ is no longer possible or desirable. Now we have to provide shelter, food, water, transport and other necessities to everyone, even the rich, for free – because now, at last, we can!

If you work at any job that isn’t actively healing the planet you’re almost certainly actively destroying it. If you go into debt you’re destroying it. If you flush a toilet into a river or ocean, if you use fossil fuelled transport to and from work or to power your home (and nuclear fuels are fossil fuels, too) you’re destroying it. If you aren’t growing at least some of your own food and medicine you’re destroying it. If you leave your kids in some regimented school (or even a childcare centre) to be mindlessly raised to do and be the same as you were brainwashed into, you’re destroying it – and them.

If you’re trapped on a treadmill with no easy way out but to simply jump off and take your chances – JUMP OFF.

You’ll be so glad you did!

Competitiveness = Death Dealers

Truth #4: The ‘killer instinct’ is no instinct – it’s a result of training. Bullies and psychopaths are made, not born – and they can be unmade if you catch, restrain and retrain them early enough. Without bullying children don’t learn hate, fear and fight. Without bullies children don’t learn to be subservient. Bullies must be separated from other kids until they can be trusted among them. The same is true for adults.

The only reason to have a gun is to murder. They’re made for no other reason. They’re the coward’s long distance death dealing weapon of choice. Only people terrified of their neighbours own guns – and that, of course, terrifies their neighbours. Violence begets violence and weapons beget weapons. They’re feedback loops. Weapon ownership is always an arms race, the stupid doctrine of Mutually Assured Destruction writ small for small minded loony hoons, terrified cowards and immature halfwits who like to menace others. Anyone who wants a gun – like anyone who wants a presidency – is precisely the person you don’t want to trust with one.

Allowing gun ownership in human society is just a form of collective lunacy. No popguns will save you from a modern army – or government swat team. They’ll just get you killed more quickly and assuredly. That’s the real lesson of modern history, for anyone who cares to look; don’t fall for the lies of weapon profiteers. In modern conflicts the survivors are those who successfully avoid the fighting. Save your money and save a life; you can’t have peace with a gun in your hand and it’s almost certain that no-one will aim one at you if you don’t. War or peace; you can’t serve two masters. Choose. Now.

All free societies have a fine time without weaponised populations perpetually living under a Sword of Damocles. The US, for instance, is not a free society but a corporatocracy that’s had its freedoms surgically removed since neoconmen ensured King George II stole the (p)residency. Freedom is free. How could it be otherwise? If you have to do something to defend or promote ‘freedom’, it isn’t freedom and you aren’t free. The contrary view is oxymoronic absurdity.

Flags are just coloured rags used to blindfold sacrificial lambs and enshroud their mangled bodies. Wars are always fought to enrich a few cowardly, spiteful old dorks and their trophy girlfriends hiding in some castle or penthouse. There is no honour involved in killing – it’s simply the worst form of working for The Man.

The only people who profit from wars and weapons are weapon makers, ammunition merchants, oil barons and the politicians they coerce and bribe. No-one who kills for a wage is anything but a (poorly) paid killer. This includes virtually all soldiers – not just mercenaries – and everyone who makes a profit from raising, hunting or killing animals for food.

You may have fallen for the bullshit that humans need to eat corpses to be healthy. The opposite is true. No-one (regardless of blood type or haplogroup) needs meat to survive. It’s a choice, a habit, an appetite – an addiction, nothing more.

Cattle and ‘meat animals’ are condemned to lives of pain and torture. They’re castrated, poisoned, fed garbage, corralled into cages, beaten, shocked and terrified into submission (rather like modern domesticated primates). If you saw what happens to animals before they end up in your mouth you wouldn’t touch the poisons collected at the top of the food chain and pump them through your bloodstream. Most young kids vomit the first time they’re fed eggs or meat. Ever wonder why?

Before you accept the lie that ‘vegetarians kill too – everything kills to survive’, consider that eating the fruits, vegetables and seeds of plants doesn’t kill any plant. The plant lives on, and reproduces. Just on more lie told by profiteers; one more unexamined false assumption.

If you choose to create endless unnecessary suffering by slaughtering innocent, terrified animals you deserve all that’s coming to you. Remember that ‘karma’ thing? Choose. Now.
See nexusilluminati.blogspot.com/search/label/vegetarianism

The Road to Hell is Paved with False Assumptions

When we’re kids we all ask, “Why?” Some kids mean, “Why does it work like that?” Others are asking, “Why on Earth would people do something so stupid?”

Bereft of imagination, in dust ‘realists’ force everyone to inhabit their bland, artless, heartless concrete toilets – blocky headstones designed by award winning wannabes and built by money-mastered so called craftsmen. Chintzy malls and ugly mausoleums masquerading as a civilisation. We can do much, much better.

Everything we’ve built has foundations of clay. All our sciences, beliefs and political systems are based on antiquated false assumptions; on lies, to be absolutely clear. Truth is always in here, within, waiting to be recognised by a freshly awakening mind. It isn’t going anywhere – unlike the outmoded scams perpetuated by a dying breed of conmen and the pernicious women hiding behind their thrones.

You’d think they’d know by now – you can service two mistresses but you can’t serve two masters! Life or Mammoney: Choose! Now!

It’s beyond the scope of this little entreaty to cover all these bases in detail – but they’re all explored in more (and more) depth at this website: become one of the New Illuminati by perusing truths and subscribing via one of the many ways available @ nexusilluminati.blogspot.com/

– Welcome to the New Millennium and have a great New Aeon
R. Ayana

For more by R, Ayana see nexusilluminati.blogspot.com/search/label/r.%20ayana
– See ‘Older Posts’ at the end of each section

From nexusilluminati.blogspot.com.au/2013/06/why-lifting-veil-…

American Express Blue Cash money Charge card: Greater than Just Cash Benefits

Published / by webmaster
american express
by Daniel Mennerich

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American Express Blue Money Financial Equipment

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American Express Blue Cash Defense

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American Express Blue Cash money Smart Features

Along with the economic tools and also the protective steps used by American Express to owners of their bank card, they also use a set of supplementary benefits that they call ‘Smart Quality’. Some of the Smart Characteristics you enjoy with American Express Blue Cash money credit cards consist of:

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Best Money Back Credit Cards for 2017

Published / by webmaster / 38 Comments on Best Money Back Credit Cards for 2017

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———————- CHEAT PIECE BEGIN
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CASH BACK CHARGE CARDS - STEPS TO MAKE BIG $ FROM CREDIT CARD ISSUERS

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