A Shadow of Jaguar is a rock and roll duo from Boulder, Colorado who share a common foundation of rock, blues, and soul. Fronted by Brian Hubbert(Cold River City) on vocals, slide guitar, and bass, and drummer/vocalist Andrew Oakley (West Water Outlaws), the dynamic duo provides a new musical identity that’s chemistry is undeniable. Their sets are a combination of original songs and improvisation, making every show unique. A Shadow of Jaguar is gaining a reputation as an energetic live band, leaving it all on the stage night after night.“Keep on Knocking” is the latest release from the now-Brooklyn-based rock duo. The single comes as the long awaited follow up to 2015’s “Mama Needs the Bottle” music video. Originally written and recorded in 1976 by the legendary pronto-punk band, Death, “Keep on Knocking” was not released until 2009. It is known as one of the earliest examples of true punk rock in America.A Shadow of Jaguar entered the studio in the spring of 2015 to begin work on their forthcoming debut album. As an homage to America’s rock pioneers, they recorded their rendition of “Keep on Knocking”. Like it’s predecessor, the song is loud, fast and unadulterated. In the modern musical environment where so much of our music is programmed to perfection, “Keep on Knocking” is a much needed reminder that rock and roll is here to stay.Give it a listen:A Shadow of Jaguar will be performing at NYC’s Bowery Electric on Friday, December 16. Tickets are available here. Keep up with the band on their Facebook!
For the past seventeen years, John Mayer has been one of the biggest pop stars on the planet. Since the release of his debut record, Room For Squares, Mayer has battled with the pressure of achieving acceptance from the masses while also seeking the approval of the music world at large. It’s been a somewhat controversial journey for Mayer that has often rubbed people the wrong way, from a string of tabloid-staple A-list romances to publicly egotistical episodes that include particularly cringe-worthy 2010 interviews in Rolling Stone and Playboy, after which the guitarist began a period of self-imposed “obscurity.”However, in recent years, Mayer has re-emerged as an artist that seems truly comfortable in his own skin, and his songwriting and blistering guitar playing continue to reflect that. This journey apparently started with his discovery of The Grateful Dead and his subsequent acceptance as a full-time member of Dead & Company, and it has now peaked with his The Search For Everything tour, which stopped at Madison Square Garden last night. The show featured Mayer delivering a mix of material from throughout his career, while also showcasing his different abilities as both a songwriter and a master guitar player. The performance was breathtaking, as Mayer has elevated himself into rare air, the kind only breathed by artists like Eric Clapton, whose influence was surely felt throughout the evening.The show was broken up into multiple sections, meant to feature Mayer’s versatility as an artist. After a quick band introduction using the stage’s video screen, the caption “Chapter 1: Full Band” flashed on the screen, and Mayer and Co. emerged to roars from the crowd. The show started off with “Moving On and Getting Over” and “Helpless” from his new album, also called The Search For Everything. Mayer then took time to tell the crowd how thrilled he was to be there, and that, after seven records, he and his band were prepared to play anything from his now-massive catalog. As the crowd screamed with excitement (note: he’s still a pop star, and still gets the screaming girl treatment as if he were the second coming of the Beatles), he and his band launched into Continuum track “Slow Dancing in a Burning Room,” a gorgeous ballad that allowed Mayer to show off his confident vocals and lyrical guitar playing. Drummer Steve Jordan teased the audience with a drum solo that led into Mayer’s mega-hit “Waiting on the World to Change,” which dropped into a bluesy cover of “War” by Bob Marley. The band then finished “Chapter 1” with “Something Like Olivia” from his 2012 record Born And Raised.As “Chapter 2: Acoustic” popped up on the screen, most of the band left the stage and left Mayer and his two backup singers to perform a few stripped down songs. The stage was quickly transformed into what looked like a Japanese garden, and Mayer dropped into another Born And Raised song: “Walt Grace’s Submarine Test, January 1969.” Search For Everything ballad “Emoji of a Wave” followed, after which Mayer took a minute to profusely thank the crowd for being so accepting of his new material. He expressed that he hadn’t felt this good in a long time, and explained that “if this is what getting older feels like, I absolutely love it.” He brought the mini-acoustic set to a close with his beloved cover of Tom Petty & The Heartbreakers “Free Fallin’.” Mayer’s voice is back in full swing, after years of issues with his vocal chords, and he sounded and looked like an artist that was simply comfortable on stage. It’s tough to fill a room as large as Madison Square Garden with just an acoustic guitar and your voice, but Mayer accomplished this with ease.As the acoustic set ended, the lights went out and a short video package started playing on the screen that focused on the well-loved and oft-missed John Mayer Trio. Trio members Steve Jordan and Pino Palladino play in Mayer’s full band, but now his fans would get an opportunity to see the mythical, improv-heavy blues-rock trio that rocked the world after the Continuum recording sessions took place. The video sent the crowd into a frenzy, and when the lights came back on, the band swiftly started building up their energy, releasing as Mayer dropped the opening notes of “Crossroads,” the blues classic written by Robert Johnson and popularized by Clapton and his blues trio Cream in the 1960s. The band was firing on all cylinders, as Jordan and Palladino held down the tight groove while Mayer added a blistering solo mid-song.A stunning version of Continuum standout “Vultures” followed, turning the poppy single into an out-of-this-world blues number, with the band locking in for a tasty mid-song jam. The Trio finished up their set with a raucous version of Mayer’s fan-favorite re-imagination of Jimi Hendrix‘s “Bold As Love,” giving him one more opportunity to crush some guitar solos with Palladino and Jordan backing him. This portion of the night was easily the most exciting musical segment of the evening. It wasn’t John Mayer and band, it was clearly three musicians who love playing together doing what they do best, and they left the MSG crowd begging for more.The video screen then announced “Chapter 4: Full Band (Reprise)”, and a grinning Mayer picked up an acoustic guitar and led his band into a beautiful version of Battle Studies ballad “Who Says,” which then transitioned into melancholy Continuum track “Stop This Train.” Mayer then took a minute to address the crowd, explaining how dumbfounded he was to continue to be gaining fans this many years into his career. He said “this simply doesn’t happen, and I promise to keep being the artist you want me to be for the rest of my life.” In one moment, the once-egotistical young pop artist seemed to transform into a humble and thankful man, and suddenly the theme of The Search For Everything album and tour became abundantly clear: after “doing his time” and making his amends for the tribulations of his youth, regaining his voice and his love for music, Mayer is decidedly grateful to finally be following his own path. Now, he can be an artist that has it all–pop star, rock star, guitar icon. He can be all of these things, and people will love him for it.With that, Mayer switched to the PRS guitar that he uses in Dead & Company, and he and his band ran through Born and Raised track “Queen of California,” which he then led into a spot-on cover of the Dead’s “Fire on the Mountain.” Mayer showed a true love for the material, as he does in Dead & Co., singing the song passionately and then soloing like the true guitar god that he has shown himself to be. It was an awesome moment for many of Mayer’s newer fans, a true nod to the Grateful Dead legacy that he is now a part of.The band then played the new single from The Search For Everything, “Still Feel Like Your Man,” a song which shows a great mix of Mayer’s pop sensibilities, his recovered falsetto vocals, and his guitar prowess. The main set finished with the lone song from Room for Squares from the evening, a joyous version of “Why Georgia.”For the encore, Mayer delivered another new song “Love on the Weekend,” before delivering an awesome version his ethereal hit “Gravity.” The crowd sang along with ease at this beloved classic, and the bluesman let the crowd take a verse or two before unleashing one more incredible guitar solo while repeating the song’s “keep me where the light is” refrain.With the show seemingly over, “Chapter 5: Epilogue” flashed on the screen. The band left the stage, and a solo piano was brought to the center of the stage. Mayer then sat down at the piano and performed The Search For Everything ballad “You’re Gonna Live Forever In Me,” giving the grateful artist one more opportunity to perform in front of his adoring fans before the evening was over.John Mayer proved himself to be an artist for everyone at last night’s show, and fans who have tickets to other shows on this tour should be beyond excited. His guitar playing, singing, and artistry were on full display throughout the evening, and rarely has a performer ever been come off as so grateful and so humbled by his place in the world.Edit this setlist | More John Mayer setlistsJohn Mayer Band, Moving On And Getting Over [Stephen Hurtes]John Mayer Band, Slow Dancing In A Burning Room [Stephen Hurtes]John Mayer, Walt Grace’s Submarine Test [Mandi G]John Mayer Trio, Crossroads [Stephen Hurtes]John Mayer Trio, Vultures [looks style]John Mayer Trio, Bold As Love [errockman]John Mayer Band, Why Georgia [Mandi G]John Mayer, In Your Atmosphere/MercyJohn Mayer, Piano [The Millionaire Dude][Photo via @stacehiggins]
For the fist time since the fall of 2013, America is in the throes of a dreaded government shutdown. Turn on cable news or rifle through your Facebook feed, and you’ll quickly be reminded of the type of partisan hysteria that ensues during a hugely consequential political stunt like the one we are currently facing.While both the Democrats and the Republicans are busy pointing the finger of blame directly at the face of their nearest partisan counterpart, folks in real world—folks who love to hike, climb, mountain bike, fly fish and otherwise enjoy our outdoor rich region’s vast network of public lands—are wondering how this shutdown will affect places like Great Smoky Mountains and Shenandoah National Parks, the Nantahala and Pisgah National Forests, and the Blue Ridge Parkway that connects all of them.Here’s what you need to know about public lands and the government shutdown in a nutshell.1. Great Smoky Mountains National Park will remain open. Sort of. According the Knoxville News Sentinel, the East Tennessee and Western North Carolina Park, which draws more annual visitors than any other park in the country, will strive to keep roads and trails accessible, but don’t count on any NPS employees being around if you should need them. Park restrooms, campgrounds, and visitor centers that are normally open during the winter months with be shuttered and no backcountry camping permits will be issued.2. Certain parts of the Blue Ridge Parkway will be closed. While you can still drive on the parkway during this latest government shutdown, certain parts that were closed due to recent snow and ice storms will not be reopened until our staggering legislature gets its collective act together. Services and facilities such as bathroom and visitor centers will also be closed along the parkway. According to NPS, which administers the famous byway, access to various sections of the parkway may change without notice.3. What about Shenandoah? According to a local news station out of Roanoke, Virginia, Shenadoah National Park will also be affected by the shutdown, as a recording from park headquarters in Luray said visitors can go to the park at their own risk, but no park rangers will be on site to assist if there is an emergency.4. Skyline DriveAlso managed under the auspices of NPS, Skyline Drive will remain open for the foreseeable future.5. Pisgah and Nantahala National ForestsTogether, these two national forests comprise more than one million acres of the western North Carolina mountains and provide the bulk of the region’s outdoor recreation opportunities. Luckily, the feds aren’t trying to keep people off of this beloved swath of public land, but they are shutting down the bathrooms and visitor centers. According to the Asheville Citizen Times, only essential forest service employees such as law enforcement and firefighters will remain on the USFS payroll during the shutdown.
According to a new study, most Americans hold favorable views of community financial institutions (CFIs) and would rather do business with a credit union than a megabank. Unfortunately, those preferences alone aren’t enough to drive consumers to switch to a CFI anytime soon.The 2015 Consumer Banking Insights Study, commissioned by BancVue and conducted online by Harris Poll in January among more than 1,000 U.S. adults, found that, if all things were equal, 2 out of 3 U.S. adults (66 percent) would rather bank at a credit union than one of the big national banks. Fully 64 percent of consumers think CFIs have better personal service than the big national banks. And 1 in 4 megabank customers* (25 percent) say they sometimes feel guilty for banking with a big bank.Yet, market share continues to diminish for CFIs, which had more than 70 percent share of the deposit market in the mid 1990s yet now have less than 30 percent The fact is that most people aren’t planning to switch to CFIs anytime soon. Only 23 percent—less than a quarter—of those who don’t have a checking account at a community financial institution say they’re at least somewhat likely to switch this year. We also assume that the fraction of consumers who actually do make the switch will be far lower than those that claim they might.Why the disparity? While many consumers feel positively about CFIs, they worry that CFIs don’t offer competitive products and services. The study found that 31 percent of megabank customers say they want to use a CFI but feel those institutions lack the products they need. And 71 percent of U.S. adults say access to the latest banking products are more important when choosing a bank than the banking institution that provides them.Additionally, many consumers simply don’t know about CFIs. Among consumers who don’t have a checking account with a CFI, 34 percent said it was because they haven’t thought about it (30 percent) and/or are unaware of their options (11 percent).It’s clear, then, that CFIs must improve their product lineups and marketing efforts in order to grow. Today’s consumers are looking for banking products that also provide things like rewards, cash-back options and ATM fee refunds.Simply offering better products isn’t enough, though. Those efforts must be coupled with branding, advertising and marketing initiatives that raise consumer awareness about local banking options. For 71 percent of consumers, a recognizable brand name is at least somewhat important when choosing a bank.Improved products and marketing efforts are especially key when it comes to attracting the next generation of consumers. Among Millennials, 91 percent identified cash back options as at least somewhat important. Additionally, Millennials who don’t have an account with a CFI are more than twice as likely to say they don’t use a local CFI because they are unaware of their options (18 percent), than 35-54 year olds (8 percent) and adults 55 and up (7 percent).Fortunately, there are easy ways CFIs can improve both their products and their marketing initiatives. Some credit unions have begun partnering with each other on joint marketing efforts, leveraging their budgets to reach more people. There are also third-party providers out there that offer nationally branded products to CFIs with features including rewards, ATM fee refunds and cash-back options.CFIs have a great reputation for personal service, but that will only get you so far. In order to capitalize on consumers’ positive feelings about credit unions, CFIs must offer better products and improve their marketing efforts to better compete with megabanks.*Throughout this article “megabank customers” are checking account holders who consider one of the big national banks to be their primary banking institution and “credit union members” are those who consider a local credit union to be their primary banking institution. “Consumers” are defined as U.S. adults ages 18 and up who have a checking account at a financial institution. 21SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Gabe Krajicek Gabe Krajicek is the chief executive officer of BancVue, the leader in branded, community-powered banking products.BancVue’s innovative Kasasa® suite connects breakthrough products with world-class marketing, data-driven consulting, and … Web: www.bancvue.com Details
16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jeff Rendel Jeff Rendel, Certified Speaking Professional, and President of Rising Above Enterprises works with credit unions that want elite results in sales, service, and strategy. Each year, he addresses and facilitates … Web: www.risingaboveenterprises.com Details Granted, the price of one commercial jet contract is greater than the total assets of many credit unions. However, the elements of value used in the sales process are applicable to any credit union as it seeks to express its commitment to member service and – as a result – grow the enterprise value of the credit union. Consider adding and customizing these six statements in the messaging and execution of your sales, service, and growth-focused cultures. Have you ever wondered what particular sales statements of value are necessary to sell a commercial jet? As it turns out; they aren’t that different from the ones vital to selling a credit union product, service, or experience. In fact, they are legitimately alike. And, you can apply them with your credit union’s sales professionals and their messaging right away. Not long ago, an in-flight seatmate of mine happened to be a senior sales executive for one of the world’s largest manufacturers of commercial airplanes. Admittedly, the commission on the sale of a jet was at the top of my mind; however, of additional interest was the value proposition explained to commercial jet customers in order to differentiate and gain the sale. Keep in mind that the sales cycle for commercial jets is often years long (one is dealing with airlines and countries) with even more years added for the full delivery of all jets in the contract (which is often modified along the way). Yet, with all of the changes in that industry, the sales executive shared that he stays true to the same sales elements of value established by his company in the 1930s. These elements of value separate and distinguish the value each customer is promised and each sales executive delivers. The six elements of value (with credit union specifics and ideas for communicating):We understand your issues. Our history and philosophy is focused on people. We are a financial institution committed to the everyday money management of everyday people. We know your business. Our business is the business of households. We know mortgages, auto loans, checking accounts, savings products, and much more.We know you personally. Our model is focused on a relationship versus a transaction. We’re committed to being a partner through all of your financial life. We can help you financially. Our credit union’s structure and philosophy allows us to offer you better rates on loans and savings. And, if we do charge a fee, it’s the lowest in the market and carries the most value.We can execute. Our decisions are made locally and without a lot of hoops to jump through. We are truly your local financial institution and can act on your needs right away. We are different. In this crowded world of financial services, we exist for one driving purpose – serving the needs of our member-owners. Every dollar we make in profit is put right back to you and your credit union.
continue reading » Credit union interest is growing in offering member business loans, or MBLS, even though strict regulatory limitations still exist. The lending rules are clear, but the amount of MBL dollars available differs based on a credit union’s size and the makeup and performance of its overall loan portfolio.With fewer MBLs available compared to other loans, the ones credit unions do issue should be given to well-performing entrepreneurs with the greatest need, and who can do the greatest good with those funds for their community. In our minds, Hispanic-owned businesses should be top contenders when credit unions make their MBL decisions.Does that surprise you? It shouldn’t. Hispanics are one of the country’s fastest-growing population segments, and also one of its most entrepreneurial. Moreover, loans to Hispanic-owned businesses are being increasingly targeted by banking industry competitors in a way that is frictionless and culturally relevant.A 2018 Gfk Social and Strategic Research study surveyed Hispanic and non-Hispanic business owners about their beliefs and practices. These results may surprise you. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
The Management Board of HBOR has made a decision on a temporary reduction of the nominal interest rate under the program of lending to EU public sector projects to 2,5 percent, this reduction refers to loans that will be approved by the end of 2018.After the interest rates for lending to EU projects of the private sector and rural development, fisheries and wine envelope were reduced in 2017, a decision was made to temporarily reduce the interest rate for public sector projects.Thus, during this year, EU projects of rural development, fisheries and wine envelopes can be credited at an interest rate of 1,7 percent, EU private sector projects at an interest rate of 2,4 percent, and public sector projects at an interest rate of 2,5, 3 percent. Prior to these reductions, the minimum interest rates on all EU project lending programs were XNUMX percent. “By lowering interest rates while maintaining all other favorable conditions such as long repayment periods, the possibility of granting a grace period and using the grant as our own participation, we want to encourage entrepreneurs to invest and accelerate the dynamics of using available EU funds”Said Tamara Perko, President of the Management Board of HBOR.Source: HBORSo far, HBOR has supported more than 600 projects with an amount of more than HRK 3,4 billion through the program for lending to EU projects. Loans are approved directly, through commercial banks or according to the risk-sharing model for up to 15 years with the possibility of waiting up to 3 years, or up to 5 years for raising and / or restructuring long-term plantations and for the public sector. An additional advantage is that in certain cases the grant funds can be used to reduce the loan principal, and in the case of direct lending, HBOR can accept up to 70 percent of the grant amount as its own participation, HBOR points out.The interest rate reduction for EU projects of rural development, fisheries and wine envelope and public sector projects is in force for all loans approved until 31 December 12, and for those of the private sector until 2018 June 30. The final interest rate for each final The beneficiary depends on the credit rating as well as the collateral offered.Loans approved under these programs are intended to close the financial structure for project implementation, and can be used to co-finance eligible investments, as well as those investments that are an integral part of the project, but cannot be financed from EU funds.Source: HBOR
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Comment Advertisement Metro Sport ReporterTuesday 16 Jul 2019 11:52 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link183Shares Arsenal ‘one step away’ from signing Dani Ceballos on loan from Real Madrid Ceballos only started 13 La Liga games for Real Madrid last season (Getty Images)Ceballos is currently on holiday after being given an extended break following Spain’s success at the European Under-21 Championship earlier this summer but is due to return on July 22.AdvertisementAdvertisementThe midfielder was one of Spain’s star performers during the tournament after being unable to secure a regular role under Zinedine Zidane at Real Madrid.Earlier this month, AS claimed that Tottenham were leading the race to sign Ceballos with Mauricio Pochettino speaking directly to the midfielder in an attempt to persuade him to join Spurs.But it now appears Ceballos is set to join Spurs’ north London rivals on a temporary deal for the upcoming campaign.More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CitySpeaking at the end of June, Ceballos admitted he would be open to leaving Madrid on loan in order to get more playing time.‘I don’t want them [Real Madrid] to sell me,’ he told Onda Cero.‘But I want to enjoy myself and feel important, wherever that may be.’More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenal Dani Ceballos is reportedly set to join Arsenal on loan (BPI/REX)Arsenal are closing in on the signing of Real Madrid midfielder Dani Ceballos, according to reports in Spain.The 22-year-old has made it clear that he wants more playing time this season having started just 13 games in La Liga last term.Ceballos has also attracted interest from Tottenham and Liverpool.But according to AS, the midfielder is ‘one step away’ from joining Arsenal on loan.ADVERTISEMENTThe report claims that Unai Emery has played a key role in convincing Ceballos to join the Gunners ahead of their Premier League rivals. Advertisement
Inside 20 Morley St, ChelmerMr Robson said the location was also a big draw card.“It’s on the highside of Chelmer,” he said.“There’s a lot of love for homes in this area. The home at 33 Bowler St, Paddington.At 33 Bowler St, Paddington, the mood was tense and the crowd remained silent as two bidders fought it out for ownership of the architecturally designed home. Inside 33 Bowler St, PaddingtonThe three-level home sits on a generous 542sq m block less than two minutes walk from the popular restaurant and shopping precinct on Given Tce. On the ground level, there are two bedrooms, a media room, bathroom, wine cellar and two car garage.Upstairs is the main living quarters of the home, where the master suite with walk-in-wardrobe and ensuite opens out onto a balcony that has urban views and city glimpses. Inside 33 Bowler St, PaddingtonThere is also a large living room area and a north, north-east facing covered patio. At the rear, there is an open plan kitchen, dining and library area which flows out onto the covered deck, backyard and pool area. 20 Morley St, ChelmerWITH nearly one hundred homes expected to sell under the auction conditions this Super Saturday, Brisbane was buzzing with nerves and excitement from prospective buyers all across the city. Bidders raise the paddle at the auction of 33 Bowler St, Paddington. Pic Annette DewMr Degn said contemporary homes are hard to come by in Paddington. “There’s a market for new product, but the stock is few, and often sell before listing,” he said.‘People are waiting for these homes, and are ready to pounce.”More from newsParks and wildlife the new lust-haves post coronavirus20 hours agoNoosa’s best beachfront penthouse is about to hit the market20 hours ago Inside 20 Morley St, ChelmerMr Robson said buyers were entranced by the home’s unique style.“It’s very different for Chelmer,” he said.“Most of the homes here are traditional Queenslanders, so to have something as unique as this I think really appealed to a lot of buyers. Inside 33 Bowler St, PaddingtonMarketing agent and auctioneer Andrew Degn of Place Real Estate, Paddington, said it was an unusually “tense and serious” auction. The home at 33 Bowler St, PaddingtonA loft bedroom occupies the third level of the home. Mr Degn said the layout appealed to buyers most. “They loved having the kitchen and dining area open straight out onto the deck, flat grass and pool area,” he said. A tense crowd at the auction of 33 Bowler St, Paddington. Pic Annette DewMore than five minutes of silence went by before an opening bid of $1,950,000 could be persuaded by Mr Degn. The home at 20 Morley St, ChelmerThe home sits on a 602 sq m block close to the river and has five bedrooms, two bathrooms and a two car garage, as well as high ceilings and an open plan layout which includes a living and dining area that opens out onto the outdoor alfresco deck by the pool. Auctioneer Andrew Degn at Paddington. Pic Annette DewNegotiations between the vendor, Mr Degn and the soon-to-be new owners raised the price to a final result of $2,220,000. The home at 20 Morley St, Chelmer.In Chelmer, this stunning Georgian style home sold under the hammer for a pretty penny.Marketing agent Brad Robson of Place Real Estate, Graceville said the property at 2 Morley St, Chelmer sold to a local couple looking to upsize to accommodate their growing family for $1,675,000. The home at 20 Morley St, ChelmerMr Robson said there was a lot of competition among buyers to secure quality homes in Chelmer. The home at 20 Morley St, Chelmer“If there were more homes to sell, we would sell them,” he said.“There hasn’t been a big swell of properties for sale in Chelmer yet this year. “It’s a sought after area where demand outstrips supply, so yeah buyers are competitive.”