Knox Consumer Resource Guide - Knox InfoLink
Knox Consumer Resource Guide This project was funded through Knox City Council’s Community Development Fund July 2019 Knox Infolink Inc 1
Foreword The initiative for this Smart Consumer Guide for Knox was developed due to many community enquires and informal surveying which identified a demand and need for this type of resource. We hope that this Guide is of some assistance to you. Any feedback would be greatly appreciated and would assist us to keep the information relevant on an ongoing basis. We would like to acknowledge the enormous amount of work and dedication made by all involved in the production. Knox Infolink Inc. would also like to acknowledge and thank Knox City Council for providing the community development grant for this project. Feedback 1. How useful have you found this Guide? Completely Useless Not very Useful Reasonably Useful Very Useful 2. What I found most useful was: 3. What I found least useful was: 4. Do you have a suggestion on how this Guide could be improved? Please return this Feedback to Knox Infolink Inc, 136 Boronia Rd, Boronia VIC 3155 or email any comments on the Guide to info@knoxinfolink.org.au. Knox Infolink Inc 2
Contents Foreword . 2 Services and Emergency Telephone Numbers . 4 Knox Infolink Inc. . 5 No Interest Loan Scheme . 6 Knox Family Violence NILS . 6 Personal Money Plan 7 Managing Your Money 8-9 Money Saving Tips . 10 Concessions & Alternatives . 11 Consumer Credit. 12 Shopping on a Budget . 13 Finding a Bargain. 14 Travel Tips . 15 Handy Household Cleaning Tips. 17 Basic Pantry Items . 18 Money Saving Cooking Ideas . 19 Pre-School and Play Time Recipes and Clothing Tips . 25 Housing Information. 26 Counselling Services . 27 Family Support Services . 28 Youth Services. 30 Community Centres. 31 Community Support Groups . 32 Health Services . 33 Community Festivals and Events . 34 Leisure Ideas . 35 Leisure Centres . 36 Animals & Pets . 37 Knox Infolink Inc 3
Services and Emergency Telephone Numbers Ambulance, Fire, Police In a life threatening or time critical emergency.000 Digital Mobile Phone Emergency Service If you are calling from a digital mobile outside your own provider‘s network coverage area, you can dial 112 as an alternative to 000. You may not be able to access 112 from your phone or if you are outside of all network coverage areas. LIFELINE 24 HRS.13 11 14 SUICIDE LINE. . .1300 651 251 KIDS HELP LINE 24 HRS . . .1800 551 800 GAMBLING HELP LINE 24 HRS. 1800 858 858 MENS LINE AUSTRALIA 24 HRS. .1300 789 978 PARENTLINE 24 HRS . . . . . .13 22 89 WOMEN’S DOMESTIC VIOLENCE CRISIS SERVICE . 1800 015 188 NURSE ON CALL A phone service that provides immediate expert health advice from a registered nurse, 24 hours a day, 7 days a week . . .1300 606 024 National Security Hotline Report suspicious activity which may relate to terrorism FREECALL .1800 123 400 TTY FREECALL . .1800 234 889 Local Police Stations (open 24 hours) Boronia 259 Dorset Road, Boronia 3155 . . . . . .9760 6600 Knox 411 Burwood Highway, Wantirna South 3152 . . . . 9881 7000 Rowville 30 Fulham Road, Rowville 3178 . . . . . 9764 0996 Poisons Information Centre 24hr advice on all exposures to poisons, medicines, plants, bites/stings. 13 1126 State Emergency Service Storm and Flood. .132 500 VicRoads On road hazards and emergencies within Victoria. 13 1170 All other VicRoads services. 13 1171 Knox Infolink Inc 4
Knox Infolink Inc 136 Boronia Road, Boronia 3155 Telephone 9761 1325 Knox Infolink Inc is a not-for-profit organisation with Public Benevolent Institute status (recognised charity). The Centre’s principal functions are to provide information and emergency relief. Employing community development principles in its model of operation, clients are offered information, support and referral services to support the achievement of personal growth and development and to become more independent and effective members of the community. Our value to the community is that Knox Infolink Inc is community managed and able to: Develop a high quality, relevant service in response to community needs; Provide information to the community that is free, confidential, impartial and independent; Provide emotional support and referral services and to ensure that individuals and groups have equal access to information about their rights, responsibilities and services available, in order to be independent and effective members of the community; Operate an information centre in accordance with the aims, policies and standards of Community Information Support Victoria (CISVic) Inc., as referred to in the membership agreement as entered into by the Centre and CISVic Inc. Open 49 weeks per year, operating Monday to Thursday 10am – 3pm for Emergency Relief and 10am – 3.30pm for telephone information, we provide and facilitate the following services free-of-charge to the community: One to one information and referral provided by trained and accredited Community Information Workers; Community Information – we have a wide range of information about local and state-wide services covering topics including Legal, Education, Support Services, Centrelink, etc.; Website with current information; Emergency Relief; No Interest Loans Scheme (NILS); Knox Family Violence NILS Tax Help Program; Advocacy on behalf of the client, letter writing, some form filling assistance, etc.; Free photocopy service for the unemployed and those of low-income; and Free fax and services for the unemployed and those of low-income. Knox Infolink Inc 5
No Interest Loan Scheme What is NILS? The No Interest Loans Scheme (NILS ) provides interest-free loans for individuals or families on low income. It’s a community-based program that enables people to access fair, safe and equitable credit for the purchase of goods and services. How does it work? When a borrower makes a repayment to a NILS program, funds are then available as a loan for someone else in the community. This is called “circular community credit” and is a real demonstration of the community in action. What are the loans for? NILS is generally for the purchase of essential household items such as a fridge, washing machine, TV, bed or clothes dryer. NILS may also be provided to meet other essential needs like health aids or education costs. NILS is not for emergency relief, bond or rent money, living expenses or debt repayment. Who is eligible? NILS has limited funds so you must have a health care card or pension card and be of genuinely low income, and have been in residence for 6 months. How much can you borrow? Up to 1,500. The repayment period is usually around 12 to 18 months. Would you like to apply for NILS? Please contact us at Knox Infolink Inc. Knox Family Violence NILS The Knox FV is a No Interest Loan Scheme (NILS) that offers women on low incomes the opportunity to access credit for essential household items without any fees, charges or interest payments. Loans are for a maximum of 2000. Loans are not for cash or bill payments. As loans are repaid, the money is lent out to other women to utilize this service. Eligiblity Women within the City of Knox who have experienced Family Violence. Are re-establishing in the City of Knox Have experienced Family Violence in the last 6mths – 2 years Engaged or willing to engage with appropriate support services Have a current Health Care Card or Pension Card, or a recipient of a Centrelink payment. Can establish a willingness and capacity to repay a loan The decision is made by an Assessment Panel based on the applicant’s willingness and capacity to repay. What Can Loans Be Used For Fridges, Washing Machines, Televisions Moving costs within the City of Knox Beds, lounge suites and dining furniture Vehicle rego, repairs and insurance Study costs e.g. fees, books, computers Medical costs Payments Using the Centrepay system is recommended. Loan repayments are usually spread over 24 mths and are set according to the size of the loan and your capacity to make repayments. Knox Infolink Inc 6
PERSONAL MONEY PLAN NOTE: Always work your plan to your pay period Name: Date: Per week/ fortnight/ month: Net income: INCOME 1st Net income 2nd Net income 1st Benefits 2nd Benefits Family Allowance Board Maintenance TOTAL: MEDICAL Medical Benefits Doctor Dentist Chemist Vitamins/Minerals Optometrist Methadone LIVING EXPENDITURE HOUSING Rent 1st Mortgage 2nd Mortgage Land (Council) Rates Water Rates Insurance-House/Contents PERSONAL Maintenance Life Insurance Savings Special Projects Clothing Hair Cuts Entertainment-Cinema/Dining out/ Video House Repairs Papers/Magazines/Subscriptions House Replacements Holidays Strata Plan Levies A Gifts Drinks (Alcoholic) UTILITIES Cigarettes Electricity Kid’s Pocket Money Gas Laundry/Dry Cleaning/Repairs Heating Gambling - Lotto/Scratchies Telephone B Sport Vet Fees CAR Personal Spending Petrol Union Fees Repairs Registration Total basic living costs (A-G) Insurance Licence OTHER REPAYMENTS RACV Car Fares C Bank Cards FOOD Groceries Meat Credit Cards Fruit & Veg Milk Bread Store Accounts Lunches Pet Food D Finance Companies EDUCATION Loans School Fees Uniforms/School bags Rentals Excursions/Sport Stationery/Books Child minding/Pre School Total Expenditure (A-H ) Self Education E Net Surplus/Deficiency Knox Infolink Inc 7
Managing Your Money Money Saving Tips Save energy, water – and money: Lighting: Replace incandescent light bulbs with compact fluorescent globes that use around 80% less energy and last up to eight times longer; Turn off all lights in rooms not in use; Use light globes with lesser wattage in rooms where brightness is not needed. Heating and cooling: Set heating thermostat to 18-20 c in winter and 26 c in summer; Heating your room 1 c less can save up to 10% on running costs. Water: Keep your showers to 4 minutes; Use a timer to keep track of your time in the shower. This can save an average of 90 litres of water per day; Try to limit the hot water you use. Try using cold water when washing clothes. Turn off appliances at the switch when you are not using them: Most appliances continue to use ‘standby’ power when they are switched off by the remote control, sometimes as much as when they are on; and Save up to 10% on your electricity bill by switching appliances off at the power point when they are not in use. Wash plastic bags and use again for wrapping sandwiches, storing and freezing foods, keeping stockings tidy and snag free; Circulate and share magazines; and Start a “ragbag” for collecting clean work fabric and use for applying waxes and cleaners, cleaning the car, or as pet bedding. Growing your own vegetables: Save money with home grown vegetables from your own veggie garden; Share, trade or freeze the surplus, or make pickle sauces or chutneys; Information on No-Dig Gardens can be found on: www.no-dig.vegetablegarden.com/. Knox Community Garden Society Inc: 254 Scoresby Road Boronia 3155 Telephone: 9720 5967 Email: knoxcommunitygardens@gmail.com Members are allowed a plot for their exclusive use to grow their own vegetables, herbs, fruits and flowers in a social atmosphere. The Society encourages members to share gardening knowledge for the benefit of all members. The Diggers Club: You can eat healthily every day of the year from your garden using just 10 square metres of soil, and it will take a small amount of time each week to maintain. The Diggers Club Australian Garden Book can help, showing what to plant and when. See: www.diggers.com.au or contact them by telephone 5984 7900. Save and recycle: Save gift wrapping paper and ribbons; Save the front of cards and use again; Old toothbrushes are handy for cleaning hard to get at places; Knox Infolink Inc 8
Money SavingTips (cont’d) Discounts for Pensioners: Some stores have particular days where discounts are available to Pensioners and Health Care Card holders. Purchase of household goods: Good Shepherd Buying Service assists low-income earners with the purchase of household goods at lower prices. The service is free and uses the combined buying power to buy at the lowest prices available. Telephone: 9495 9655. Second-hand goods: If you are on a tight budget and need to buy goods such as clothes, a computer for your children, furniture or toys, one option is to buy goods that are second-hand. You can find second-hand goods for sale in: Melbourne Trading Post newspaper Your local paper in the classified section Internet (Auction of second-hand goods) Community noticeboards at your local supermarket Local garage sales Boronia & The Basin Community News newspaper, “Market Place” section. Colds and congestion: Eucalyptus oil will help alleviate colds and congestion by rubbing it into the base of your foot before bed. Use bar soaps (such as Velvet) for personal use too. It’s cheaper than perfumed soap and it lathers well. Home made cough remedy: Boil a lemon in a cup of water, remove lemon, cut in half and extract juice. To the juice, add ½ cup of honey. Take one teaspoon at a time, as required. Stir well before each dose. Home made sore throat remedy: Use ¼ cup of vinegar with ¼ cup of honey. Take 1 tablespoon six times a day. The vinegar kills any bacteria. Eyes: Cold tea bags help to refresh tired eyes and reduce puffiness. Use for 10 minutes only or the tea will stain your skin. Another alternative is thin cucumber slices. Headaches: Drinking 2 glasses of Gatorade can relieve headache pain almost immediately. Insect bites: Dab a little eucalyptus oil on the affected area. Repeat if necessary. Magazines: Don’t buy magazines, use your local library. Libraries are an excellent source of all reading materials. They also have leaflets on display to let you know of free entertainment or current events. Knox Infolink Inc Eggs: To determine whether an egg is fresh, immerse it in a pan of cool, salted water. If it sinks, it is fresh - if it rises to the surface, throw it away. 9
Concessions & Alternatives Options for when the going gets tough: If you are experiencing financial difficulty, it is important to maintain communication with the company you owe money to. Most companies now have a Hardship Policy and can set u
Knox Infolink Inc 5 Knox Infolink Inc 136 Boronia Road, Boronia 3155 Telephone 9761 1325 Knox Infolink Inc is a not-for-profit organisation with Public Benevolent Institute status (recognised charity). The Centre's principal functions are to provide information and emergency relief.
5. Related-party relationships and transactions, including those with Knox County, City of Knoxville, KUB, Knox County Emergency Communications District, Knox County Schools, and Knox County Metropolitan Planning Commission, and interfund transactions, including int
2. emergency room visit rate in Knox County was significantly below the state. Key features for Knox County include: 13.0 percent of residents did not have health insurance (2009-2013); 12.1 percent experienced cost-related barriers to getting healthcare in the last year (2011-2013). Knox County . Knox County . Reports . 3.
Knox County, Ohio Subdivision Regulations Compiled November 1, 2006 The Knox County Regional Planning Commission 117 East High Street, Suite 221 Mount Vernon, OH 43050 P. 740.393.6718 F. 740.393.6705 knoxplanning@co.knox.oh.us *Disclaimer* Amendment of these Regulations is an ongoing process. Therefore, contact
Figure 2 - Knox-O'Neill ad (American Glass Review 1929) Figure 3 - Knox 1934 ad (American Glass Review 1928) According to the January 19, 1927, edition of the . The Glass Container Corp. acquired the ten remaining Knox-organization plants in 1968 (Toulouse 1971:297). See Table 1 for the list of factories.
Samsung Knox File Encryption 1.2 Validation Report Version 0.2, May 11, 2020 4 3.2 TOE Architecture The TOE is software built into Samsung Knox. The TOE is designed as a framework for providing file encryption to all files within a Knox Workspace container where it is enabled.
8 2019 KNOX COUNTY PARKS & REC ANNUAL REPORT 2019 KNOX COUNTY PARKS & REC ANNUAL REPORT 9 10.2 million economic impact John Tarleton Park Halls Community Park New Harvest Park 43,000 organized sports participants 3,000 volunteers 2.6 million visits to parks Knox County Parks & Recreation By The Numbers: 82,000 parents and spectators 38,500
Samsung will explain the Knox license enrollment process. Knox Manage is a subscription service and Samsung will review license expiration and other license related topics. 2.5. Review of Identify & Account Management Settings Samsung will provide an overview of the high level capabilities and menus within the Knox Manage
« On attend par additif alimentaire : toute substance habituellement non consommée comme aliment en soi et habituellement non utilisée comme ingrédient caractéristique dans l’alimentation, possédant ou non une valeur nutritive, et dont l’adjonction intentionnelle aux denrées alimentaires, dans un but technologique au stade de leur fabrication, transformation, préparation .
