Evelyn Cole Manager, Consumer Policy Ministry for Consumer Affairs, New Zealand

Size: px
Start display at page:

Download "Evelyn Cole Manager, Consumer Policy Ministry for Consumer Affairs, New Zealand"

Transcription

1 Evelyn Cole Manager, Consumer Policy Ministry for Consumer Affairs, New Zealand

2 Social, Economic, Cultural and Political Challenges - a New Zealand perspective

3 Some Background on New Zealand 4,027,974 people live in New Zealand Median age of New Zealanders is 35.9 years Average life expectancy 77.5 years males; 81.7 years females Average household size 2-7 people 66.9% of dwellings either owned or held in family trust Predominantly European background population, with large numbers of Maōri and Pacific Island background population; and over the next 20 years significant growth in the Asian background population expected

4 Personal and Household incomes $50,001- $100,000 8% $100,001 or More 2% Zero Not Stated Loss Income 11% 1% 4% $1 - $15,000 34% Not Stated 18% $100,001 or More 9% $1 - $15,000 12% $15,001- $30,000 19% $30,001- $50,000 17% $15,001- $30,000 23% $50,001- $100,000 22% $30,001- $50,000 17% Source: Statistics New Zealand Census 2001

5 Personal and Household incomes New Zealand has very high employment levels; our unemployment rate is 3.6%; in 2004 when at 3.9%, it was the second lowest in the OECD On average 60% of income is spent on food, housing costs (rent or mortgage) and transportation leaving just over 40% for expenditure on clothing, household operation and other goods and services New Zealanders are avid users of credit cards spending $2billion - $2.5billion per month New Zealanders are also avid use of EFTPOS

6 Some more data on New Zealanders 40% of New Zealanders have post school qualifications 92% of New Zealanders have personal access to a telephone 74% of New Zealanders have personal use of a mobile phone. Usage in the age group is higher 60% of individuals have access to the internet; and surveys suggest about 30% of people have made purchases over the internet in the last year

7 Personal internet use by gender, age and qualification 100% 80% 69% 69% 69% 86% 80% 66% 80% Internet usage Internet purchasing 60% 58% 40% 39% 39% 39% 29% 30% 27% 27% 28% 20% 17% 10% 4% 19% 0% All Male Female Source: Statistics New Zealand Household use of information and communications technology All percentages based on people age 15 years + (3,202,000) No tertiary qualification Tertiary-level qualification

8 Top 10 things done on the internet Send or receive s 90 General web browsing or other information 84 Obtaining information on goods and services 65 Internet banking 54 Obtaining information on government organisations or public authorities Download software, patches or upgrades 39 Download or listen to online music 32 Sell goods and services 30 Obtain information on health or health services 28 Job opportunities 28 % 44 Source: Statistics New Zealand Household use of information and communications technology

9 New Zealand Consumer Law Markets that function well are essential to the New Zealand government s goals of a highincome, knowledge-based market economy Consumer law in New Zealand focuses on helping consumers to help themselves. Consumers are confident when they get what they expect when they shop

10 The two main consumer laws in New Zealand are: The Fair Trading Act (1986) The Consumer Guarantees Act (2003)

11 Fair Trading Act (1986) The Act covers all advertising and selling of goods and services. It doesn t cover private sales The Fair Trading Act prohibits misleading and deceptive conduct, false representations and unfair practices by people in trade

12 Fair Trading Act (cont d) Misleading/Deceptive conduct: If the information you re given gives you the wrong impression about a product or service: A teapot is labelled as stainless steel, but it s actually aluminium False Representations: Bananas are advertised at $1.99 for a 1 kilogram bag, but the bar code at the checkout gives the price as $2.25

13 Fair Trading Act (cont d) Unfair Trading Practices: Offering prizes and gifts without intending to supply them or not supplying them as offered Bait advertising - advertising at a specified price goods or services without intending to supply them at that price Work from home claims - making misleading claims to others about certain details of businesses which can be carried out from home

14 Fair Trading Act (cont d) Unfair Trading Practices: Demanding or accepting payment with no intention to supply the goods/services Pyramid selling schemes (these are prohibited under the Act)

15 Fair Trading Act (cont d) The Fair Trading Act also specifies Product Safety Standards Product safety measures in NZ include: Product safety standards Product bans Compulsory recalls

16 Consumer Guarantees Act (2003) The Consumer Guarantees Act sets out guarantees that goods and services must meet when sold by someone by a retailer or service person The Act gives consumers rights when they buy faulty goods. It also ensures that consumers have rights when work which has been paid for is not done properly

17 Consumer Guarantees Act (cont d) Under the Consumer Guarantees Act, goods and services sold must be: Of acceptable quality Fit for the purpose they are made for Safe, durable (last for a reasonable time), have no minor defects and are acceptable in look and finish Matching the description given Of a reasonable price (when a price is not set) Have spare parts and repair facilities available

18 Industry Led Regulation Well functioning markets include - government regulation both general and specific controls exercised by business organisations on their membership Businesses making sound decisions

19 New Zealand Supports Industry - Led Regulation We are very supportive of the excellent work of the Direct Selling Association of New Zealand The Code of Practice for Direct Selling in New Zealand has been in place over 10 years and complements existing legislation The code was recently used to evaluate the Ministry of Consumer Affairs industry-led regulation schemes best practice template

20 New Zealand Supports Industry - Led Regulation continued The Code was able to answer all the questions effectively If industry is responsible and deals with problems then the regulator s role is easier

21 Challenges Product safety is on the international stage as a major political challenge currently A recent challenge in New Zealand was allegations of unacceptable formaldehyde levels in clothing New Zealand is part of a global marketplace To support consumers in a global marketplace it is important that there is a robust and effective product safety infrastructure

22 Challenges continued To date there has been a heavy reliance on voluntary industry practice and voluntary use of Standards Can governments rely on this? New Zealand considers industry should have first responsibility for self regulation of product safety A new initiative is Government Product Safety Policy Statements

Economic standard of living

Economic standard of living Home Previous Reports Links Downloads Contacts The Social Report 2002 te purongo oranga tangata 2002 Introduction Health Knowledge and Skills Safety and Security Paid Work Human Rights Culture and Identity

More information

Economic Standard of Living

Economic Standard of Living DESIRED OUTCOMES New Zealand is a prosperous society, reflecting the value of both paid and unpaid work. All people have access to adequate incomes and decent, affordable housing that meets their needs.

More information

Economic Standard of Living

Economic Standard of Living DESIRED OUTCOMES New Zealand is a prosperous society where all people have access to adequate incomes and enjoy standards of living that mean they can fully participate in society and have choice about

More information

Economic Standard of Living

Economic Standard of Living DESIRED OUTCOMES New Zealand is a prosperous society, reflecting the value of both paid and unpaid work. All people have access to adequate incomes and decent, affordable housing that meets their needs.

More information

Introduction. Primary countries in Latin America have common challenges for the Internet usage

Introduction. Primary countries in Latin America have common challenges for the Internet usage Introduction Primary countries in Latin America have common challenges for the Internet usage This report, which was prepared by IBOPE Inteligência and IBOPE Mídia, gathers official data from national

More information

Don t return this page

Don t return this page Student Allowance Partner s application form This form is to be completed by the partner 1 of the person applying for the Student Allowance. The student will also need to complete a Student Allowance application.

More information

Economic Standard of Living

Economic Standard of Living DESIRED OUTCOMES New Zealand is a prosperous society, reflecting the value of both paid and unpaid work. Everybody has access to an adequate income and decent, affordable housing that meets their needs.

More information

Usual Resident Population Count , , ,253. Usual Resident Population Change , % ,

Usual Resident Population Count , , ,253. Usual Resident Population Change , % , Demographic Profile for Auckland Council Kumeu Subdivision For Census Usually Resident Population Count and Households, Families and Dwellings Counts Characteristics by Area of Usual Residence Source:

More information

Don t return this page

Don t return this page TEMPORARY ADDITIONAL SUPPORT APPLICATION FORM COMPLETE THIS FORM IF YOU WANT TO APPLY FOR TEMPORARY ADDITIONAL SUPPORT. If you are finding it hard financially, extra help with essential costs may be available

More information

The economic value and impacts of informal care in New Zealand. For Carers NZ and the NZ Carers Alliance

The economic value and impacts of informal care in New Zealand. For Carers NZ and the NZ Carers Alliance The economic value and impacts of informal care in New Zealand For Carers NZ and the NZ Carers Alliance June 2014 Authorship This report has been prepared by Dave Grimmond. Email: davidg@infometrics.co.nz

More information

PART B Details of ICT collections

PART B Details of ICT collections PART B Details of ICT collections Name of collection: Household Use of Information and Communication Technology 2006 Survey Nature of collection If possible, use the classification of collection types

More information

41% of Palauan women are engaged in paid employment

41% of Palauan women are engaged in paid employment Palau 2013/2014 HIES Gender profile Executive Summary 34% 18% 56% of Palauan households have a female household head is the average regular cash pay gap for Palauan women in professional jobs of internet

More information

MAIN RESULTS FROM THE SURVEY ON INFORMATION AND COMMUNICATION TECHNOLOGIES (ICT) USAGE IN HOUSEHOLDS AND BY INDIVIDUALS

MAIN RESULTS FROM THE SURVEY ON INFORMATION AND COMMUNICATION TECHNOLOGIES (ICT) USAGE IN HOUSEHOLDS AND BY INDIVIDUALS MAIN RESULTS FROM THE SURVEY ON INFORMATION AND COMMUNICATION TECHNOLOGIES (ICT) USAGE IN HOUSEHOLDS AND BY INDIVIDUALS According to Regulation 808/2004 of the European Parliament and the Council concerning

More information

A Report on Changes in New Zealanders Opinions about Key National Issues

A Report on Changes in New Zealanders Opinions about Key National Issues A Report on Changes in New Zealanders Opinions about Key National Issues Level 7, 45 Johnston St, PO Box 10 617, Wellington, New Zealand P 04 499 3088 F 04 499 3414 E info@researchnz.com W www.researchnz.com

More information

ANZ Retirement Commission 2009 Financial Knowledge Survey Summary

ANZ Retirement Commission 2009 Financial Knowledge Survey Summary June 2009 ANZ Retirement Commission 2009 Financial Knowledge Survey Summary contents ANZ Retirement Commission 2009 Financial Knowledge Survey This survey measures the financial knowledge levels of New

More information

Labour Market Statistics: June 2017 quarter

Labour Market Statistics: June 2017 quarter Labour Market Statistics: June 2017 quarter Embargoed until 10:45am 02 August 2017 Key facts Labour market at a glance Employment rate drops to 66.7 percent. Unemployment rate down to 4.8 percent. Employment

More information

MANUFACTURE AND SALE OF GOODS

MANUFACTURE AND SALE OF GOODS Regulations and Product Standards 59 Consumer Protection 60 Product Liability 61 By Caroline Zayid Manufacture and Sale of Goods 59 Regulations and Product Standards The Canada Consumer Product Safety

More information

Insolvency Statistics and Debtor Profile Report 1 JULY 2013 TO 30 JUNE 2014

Insolvency Statistics and Debtor Profile Report 1 JULY 2013 TO 30 JUNE 2014 Insolvency Statistics and Debtor Profile Report 1 JULY 2013 TO 30 JUNE 2014 Contents Introduction 2 Annual Statistics 3 Key Characteristics of Debtors 11 Summary Instalment Orders 12 No Asset Procedures

More information

The Effect of NZ Superannuation eligibility age on the labour force participation of older people

The Effect of NZ Superannuation eligibility age on the labour force participation of older people The Effect of NZ Superannuation eligibility age on the labour force participation of older people Roger Hurnard Workshop on Labour Force Participation and Economic Growth, Wellington 14 April 2005 Outline

More information

Insolvency Statistics and Debtor Profile Report 1 JULY 2014 TO 30 JUNE 2015

Insolvency Statistics and Debtor Profile Report 1 JULY 2014 TO 30 JUNE 2015 Insolvency Statistics and Debtor Profile Report 1 JULY 2014 TO 30 JUNE 2015 Contents Introduction 2 Annual Statistics 3 Key Characteristics of Debtors 11 Summary Instalment Orders 12 No Asset Procedures

More information

my Identity Learning objectives

my Identity Learning objectives my Identity TM 2 my Identity Learning objectives In this overview, you will learn about: The four components of my Identity TM How the product can benefit customers in real-world scenarios The benefits

More information

A brave new world. CDANZ 9 May Shamubeel Eaqub, CFA fb.me/seaqub

A brave new world. CDANZ 9 May Shamubeel Eaqub, CFA fb.me/seaqub A brave new world CDANZ 9 May 2018 Shamubeel Eaqub, CFA 021 573 218 @Seaqub fb.me/seaqub shamubeel@sense.partners A brave new world A rapidly changing world Economy, jobs Demographics Why it matters: Careers

More information

Organisation responsible: Statistical Service of Cyprus, Ministry of Finance

Organisation responsible: Statistical Service of Cyprus, Ministry of Finance Cyprus A: Identification Title of the CPI: Consumer Price Index Organisation responsible: Statistical Service of Cyprus, Ministry of Finance Periodicity: Monthly Price reference period: 2005 = 100 Index

More information

questions for written response

questions for written response 2007/08 financial review of Retirement Commissioner questions for written response Why did the Commission have a $463k surplus in the 2007/08 financial year when it budgeted on a $1.049 million deficit?

More information

PISA 2018 released financial literacy items. This version: 06 August 2018

PISA 2018 released financial literacy items. This version: 06 August 2018 PISA 2018 released financial literacy items This version: 06 August 2018 3 Overview Fourteen items are released as sample items from those excluded during the PISA 2018 field trial. One unit (ZCYCLE)

More information

Last Name First Name Middle Initial ADDRESS Street City County State Zip

Last Name First Name Middle Initial ADDRESS Street City County State Zip APPLICATION FOR EMPLOYMENT Kolberg-Pioneer, Inc. An Equal Opportunity Employer (HRF-002-03 01/16) This application is valid for the calendar year of 2018. Kolberg-Pioneer, Inc. will provide the Social

More information

The National Citizen Survey

The National Citizen Survey C I T Y O F E L K G R O V E, C A 2011 Supplemental Web Survey Results 3005 30th Street 777 North Capitol Street NE, Suite 500 Boulder, CO 80301 Washington, DC 20002 ww.n-r-c.com 303-444-7863 www.icma.org

More information

EDUCATION FORM. Where do you plan to go? List all that apply - community college / four year institution and graduate school if applicable

EDUCATION FORM. Where do you plan to go? List all that apply - community college / four year institution and graduate school if applicable Do you plan to attend college? EDUCATION FORM Where do you plan to go? List all that apply - community college / four year institution and graduate school if applicable Based on 2017 fees, how much will

More information

The Social Report 2007 A summary

The Social Report 2007 A summary The Social Report 2007 A summary Level 7, 45 Johnston St, PO Box 10 617, Wellington, New Zealand P 04 499 3088 F 04 499 3414 E info@researchnz.com W www.researchnz.com 2008 Research New Zealand Contents

More information

Money. 1 Numeracy and mathematics glossary. Terms Illustrations Definitions. Affordability

Money. 1 Numeracy and mathematics glossary. Terms Illustrations Definitions. Affordability Terms Illustrations Definitions Affordability ATM Available balance Discussing if you can afford an item e.g. You have 5p, the apple is 8p, can you buy it? The toy is 2.50 and the tshirt is 4.30. You have

More information

Regulatory Charter. Consumer and Commercial Regulatory System. December 2017

Regulatory Charter. Consumer and Commercial Regulatory System. December 2017 Regulatory Charter Consumer and Commercial Regulatory System December 2017 Permission to reproduce Crown Copyright This work is licensed under the Creative Commons Attribution 4.0 International License.

More information

June Hong Kong Jewellery& Gem Fair June Hong Kong Jewellery & Gem Fair Visitor Survey Report. Visitor Survey Report

June Hong Kong Jewellery& Gem Fair June Hong Kong Jewellery & Gem Fair Visitor Survey Report. Visitor Survey Report June Hong Kong Jewellery & Gem Fair 2014 June Hong Kong Jewellery& Gem Fair 2014 Visitor Survey Report Visitor Survey Report 1 Survey Summary Total number of visitors: 26,103 Total number of online surveys

More information

The purpose of this memo provides a summary of the 2017 Budget, adopted November 16, 2016.

The purpose of this memo provides a summary of the 2017 Budget, adopted November 16, 2016. To: Board of Delegates Fr: Susan Hockenberry November 17, 2016 RE: 2017 Budget Memo The purpose of this memo provides a summary of the 2017 Budget, adopted November 16, 2016. Revenues -The budget provides

More information

REGULATORY IMPACT STATEMENT 2003 MINIMUM WAGE REVIEW. Statement of the nature and magnitude of the problem and the need for government action

REGULATORY IMPACT STATEMENT 2003 MINIMUM WAGE REVIEW. Statement of the nature and magnitude of the problem and the need for government action REGULATORY IMPACT STATEMENT 2003 MINIMUM WAGE REVIEW Statement of the nature and magnitude of the problem and the need for government action 1 Subsection 5(1) of the Minimum Wage Act 1983 states that The

More information

SUB-CONTRACTOR APPLICATION RELIABLE ENTERPRISES Connecting Families Visitation

SUB-CONTRACTOR APPLICATION RELIABLE ENTERPRISES Connecting Families Visitation SUB-CONTRACTOR APPLICATION RELIABLE ENTERPRISES Connecting Families Visitation PLEASE READ CAREFULLY: This application form is for general usage and the applicant should not answer any question(s) which

More information

Privacy Policy A.P. Eagers Limited

Privacy Policy A.P. Eagers Limited Privacy Policy A.P. Eagers Limited ABN 87 009 680 013 Introduction A.P. Eagers Limited ABN 87 009 680 013 and all its subsidiaries ( we / us / our ) endeavour at all times to comply with the Privacy Act

More information

As a result of your visit to our websites, we may collect and store information about your visit to the websites including:

As a result of your visit to our websites, we may collect and store information about your visit to the websites including: Privacy Policy Carzoos Pty Ltd ABN 35 608 791 911 Carzoos Pty Ltd ABN 35 608 791 911 and all its subsidiaries ( we / us / our ) endeavour at all times to comply with the Privacy Act 1988 and the Australian

More information

Affordable Homeownership Program Application: Instructions

Affordable Homeownership Program Application: Instructions Affordable Homeownership Program Application: Instructions Habitat reviews applications on a first come, first served basis. Please expect the entire application process to take between 1 3 months. Instructions

More information

Labour Market Statistics: September 2017 quarter

Labour Market Statistics: September 2017 quarter Labour Market Statistics: September 2017 quarter Embargoed until 10:45am 01 November 2017 Key facts Labour market at a glance Unemployment rate fell to 4.6 percent. Underutilisation rate unchanged at 11.8

More information

Insolvency Statistics and Debtor Profile Report 1 JULY 2015 TO 30 JUNE 2016

Insolvency Statistics and Debtor Profile Report 1 JULY 2015 TO 30 JUNE 2016 Insolvency Statistics and Debtor Profile Report 1 JULY 2015 TO 30 JUNE 2016 MB12830 Contents Introduction 2 Annual Statistics 3 Key Characteristics of Debtors 11 Summary Instalment Orders 12 No Asset Procedures

More information

Use of receipts and payments forms

Use of receipts and payments forms Receipts and Payments Accounts Introductory Notes Purpose of pro forma receipts and payments accounts In England and Wales many smaller non-company charities may choose to prepare receipts and payments

More information

Name of Document PURCHASE ORDER DELIVERY NOTE. Shows a list of transactions and the amount owed at the end of the month The Customer

Name of Document PURCHASE ORDER DELIVERY NOTE. Shows a list of transactions and the amount owed at the end of the month The Customer Topic Area : Flow & Purpose of Financial Documents Purchase Order Delivery Note Name of Document PURCHASE ORDER DELIVERY NOTE GRN INVOICE Purpose of Document Used by the purchaser to order goods from a

More information

CCTS IT Solutions Pty Ltd

CCTS IT Solutions Pty Ltd Customer Terms & Conditions --- Basic Conditions 1. What is this agreement? a. This document sets out the basic terms on which CCTS IT Solutions provides services to Customers. They apply to every Service

More information

EDUCATION FORM. Where do you plan to go? List all that apply - community college / four year institution and graduate school if applicable

EDUCATION FORM. Where do you plan to go? List all that apply - community college / four year institution and graduate school if applicable Do you plan to attend college? EDUCATION FORM Where do you plan to go? List all that apply - community college / four year institution and graduate school if applicable Based on 2016 fees, how much will

More information

Demographic Changes and PNG s Labour Market Developments: Challenges and Prospects

Demographic Changes and PNG s Labour Market Developments: Challenges and Prospects Demographic Changes and PNG s Labour Market Developments: Challenges and Prospects Manoj K. Pandey ANU Crawford School Development Policy Centre & UPNG SBPP Division of Economics 1 Introduction Demographic

More information

T s And C s. Credit card. It s Ours. Effective July 2018

T s And C s. Credit card. It s Ours. Effective July 2018 T s And C s. Credit card terms Effective April and 2012 conditions Effective July 2018 It s Ours. What s Inside Here. Kiwibank Credit Card Terms and Conditions 2 1. Responsibility for your use and others

More information

TTCU FEDERAL CREDIT UNION

TTCU FEDERAL CREDIT UNION TTCU FEDERAL CREDIT UNION ONLINE BANKING AGREEMENT & DISCLOSURES 1. Introduction. This Agreement is the contract which covers your and our rights and responsibilities concerning Online Banking ("Online

More information

ANZ Survey of Adult Financial Literacy in Australia Summary Report

ANZ Survey of Adult Financial Literacy in Australia Summary Report Summary Report October 2008 Contents E1 Introduction 2 E2 Key findings 2 E2.1 What we have learned about financial literacy 2 E2.1.1 The distribution of financial literacy within the population 2 E2.1.2

More information

Overview of the impact of Spending Review 2010 on equalities

Overview of the impact of Spending Review 2010 on equalities Overview of the impact of Spending Review 2010 on equalities October 2010 Overview of the impact of Spending Review 2010 on equalities October 2010 Official versions of this document are printed on 100%

More information

Product Guide What is Payment Solutions?

Product Guide What is Payment Solutions? Product Guide What is Payment Solutions? Save money on your business credit card and debit processing with our exclusive merchant services program. We offer the same pricing to smaller merchants that are

More information

Significant Forecasting Assumptions

Significant Forecasting Assumptions Summary of s The following general and financial s are assumed for the life of this Long Term Plan (2018-28). Level Consequence General s 1 Population Change Medium Low Minor 2 Household Change Medium

More information

Non-resident income tax return guide 2011

Non-resident income tax return guide 2011 IR 3NRG February 2011 Non-resident income tax return guide 2011 Please read page 5 of this guide to see if you have to complete an IR 3NR. This guide is based on New Zealand tax laws at the time of printing

More information

YouGov Survey Results

YouGov Survey Results YouGov Survey Results Sample Size: 2001 Fieldwork: 18th - 21st March 2011 Total Gender Age Social Grade Region Base Male Female 18 to 24 25 to 34 35 to 44 45 to 54 55+ ABC1 C2DE North Midlands East London

More information

What records do I need? deductible gifts and contributions you make. When you make a donation, the DGR will

What records do I need? deductible gifts and contributions you make. When you make a donation, the DGR will Gifts and donations When can I claim? You can claim a deduction for a donation you make to an organisation if the donation meets four conditions: You make it to a deductible gift recipient (DGR) It must

More information

Keeping Fintech Fair: Thinking about Fair Lending and UDAP Risks

Keeping Fintech Fair: Thinking about Fair Lending and UDAP Risks Keeping Fintech Fair: Thinking about Fair Lending and UDAP Risks Outlook Live Webinar July 16, 2018 Carol A. Evans Associate Director Div. of Consumer & Community Affairs Federal Reserve Board Katrina

More information

Keeping Fintech Fair: Thinking about Fair Lending and UDAP Risks

Keeping Fintech Fair: Thinking about Fair Lending and UDAP Risks Keeping Fintech Fair: Thinking about Fair Lending and UDAP Risks Outlook Live Webinar July 16, 2018 Carol A. Evans Associate Director Div. of Consumer & Community Affairs Federal Reserve Board Katrina

More information

Guidance Note: Sale and Distribution of KiwiSaver

Guidance Note: Sale and Distribution of KiwiSaver Guidance Note: Sale and Distribution of KiwiSaver Consultation draft June 2012 About this guidance note This guidance note is for people involved with the sale and distribution of KiwiSaver schemes. It

More information

Procurement Functional Leadership Quarterly Report, January to March 2014

Procurement Functional Leadership Quarterly Report, January to March 2014 OFFICE OF THE MINISTER FOR ECONOMIC DEVELOPMENT Chair State Sector Reform and Expenditure Control Cabinet Committee Procurement Functional Leadership Quarterly Report, January to March 2014 Proposal 1

More information

Understanding Compliance Issues and Solutions with Back End Products

Understanding Compliance Issues and Solutions with Back End Products Understanding Compliance Issues and Solutions with Back End Products Presented by Chip Zyvoloski, Senior Attorney Wolters Kluwer Financial Services 2014 Wolters Kluwer Financial Services Scope of Presentation

More information

Unit 2 Finance for Business

Unit 2 Finance for Business Pupil Name: Learner name: Teacher name: Unit 2 Finance for Business External Assessment Unit introduction All businesses have to spend money before they can make a profit, and when they spend money, they

More information

budget fixed expense flexible expense

budget fixed expense flexible expense How do I make my income cover my expenses? Chapter 24 Key Terms budget fixed expense flexible expense Chapter Objectives After studying this chapter, you will be able to identify sources of income. list

More information

Statement of Affairs. Your name: Your phone number: Appointment date*: Appointment time: Appointment venue: Approved Intermediary (AI): October 2015

Statement of Affairs. Your name: Your phone number: Appointment date*: Appointment time: Appointment venue: Approved Intermediary (AI): October 2015 Statement of Affairs 30.10.15:Layout 1 28/10/2015 08:51 Page 1 Statement of Affairs Your name: Your phone number: Appointment date*: Appointment time: Appointment venue: Approved Intermediary (AI): October

More information

Privacy Policy A.P. Eagers Limited

Privacy Policy A.P. Eagers Limited Introduction Privacy Policy A.P. Eagers Limited ABN 87 009 680 013 A.P. Eagers Limited and all its subsidiaries ( we / us / our ) endeavour at all times to comply with the Privacy Act 1988 and the Australian

More information

P Fuiava (Member) Representative for the Appellant: Date of Decision: 14 November 2017 RESIDENCE DECISION

P Fuiava (Member) Representative for the Appellant: Date of Decision: 14 November 2017 RESIDENCE DECISION IMMIGRATION AND PROTECTION TRIBUNAL NEW ZEALAND [2017] NZIPT 204155 AT AUCKLAND Appellant: HM (Skilled Migrant) Before: P Fuiava (Member) Representative for the Appellant: W Delamere Date of Decision:

More information

2016 Toi Tōtara Haemata Investment Programme Assessor Guidelines and Scales

2016 Toi Tōtara Haemata Investment Programme Assessor Guidelines and Scales Purpose 2016 Toi Tōtara Haemata Investment Programme Assessor Guidelines and Scales This document sets out the assessor guidelines, indicators and scales to be applied for each part of a proposal to the

More information

Do your. homework. A contractor s guide to rights and obligations when contracting with homeowners

Do your. homework. A contractor s guide to rights and obligations when contracting with homeowners Do your homework A contractor s guide to rights and obligations when contracting with homeowners Disclaimer: This document is a guide only. It should not be used as a substitute for legislation or legal

More information

CONSUMER PROTECTION. When does the legislature tend to react? Who is a consumer? How do you become a merchant? Deceptive Advertising

CONSUMER PROTECTION. When does the legislature tend to react? Who is a consumer? How do you become a merchant? Deceptive Advertising CONSUMER PROTECTION Consumer Protection Adv. Bus. Law FALL 1999 O'Hara 1 When does the legislature tend to react? Who is a consumer? How do you become a merchant? Deceptive Advertising Labeling and Packaging

More information

Switzerland. A: Identification. B: CPI Coverage. Title of the CPI: Swiss Consumer Price Index

Switzerland. A: Identification. B: CPI Coverage. Title of the CPI: Swiss Consumer Price Index Switzerland A: Identification Title of the CPI: Swiss Consumer Price Index Organisation responsible: Swiss Federal Statistical Office, Prices Periodicity: Monthly Price reference period: December 2011=100

More information

ICON 1003 Loan Application

ICON 1003 Loan Application ICON 1003 Loan Application This application is designed to be completed by the applicant(s) with the Lender s assistance. Applicants should complete this form as Borrower or Co-Borrower, as applicable.

More information

Tax Guide for Short-Term Rentals

Tax Guide for Short-Term Rentals Tax Guide for Short-Term Rentals Stephen Fishman, J.D. Chapter 1 Introduction: Who This Book is For... 1 Learning Objectives... 1 Introduction... 1 Chapter 2 How Short-Term Rental Hosts are Taxed... 3

More information

Conditions of Use. & Credit Guide EFFECTIVE JUNE 18

Conditions of Use. & Credit Guide EFFECTIVE JUNE 18 Conditions of Use & Credit Guide EFFECTIVE JUNE 18 Contents About this Document 3 Your Skye Account, Transactions and Credit Limits 3 1. Setting up and using your Skye Account 3 2. Credit Limits and transaction

More information

ECONOMIC INEQUALITIES IN HEALTH

ECONOMIC INEQUALITIES IN HEALTH ECONOMIC INEQUALITIES IN HEALTH Aim of Master Class Gain a better understanding of the causal relationships between economic factors on health over time Plan of attack Kristie Carter Overview of economic

More information

Rural Housing, Inc. 1

Rural Housing, Inc. 1 Rural Housing, Inc. 1 Application for Assistance: Security Deposit General Guidelines: Must be under 50% County Median Income by family size, call for specific $ limit Housing costs must be affordable,

More information

TAXES STUDY. * = less than 1% - = question not asked/zero respondents

TAXES STUDY. * = less than 1% - = question not asked/zero respondents FINAL DATA - April 4, 2008. Interviews conducted March 24 to April 3, 2008. Margin of sampling error for all adults: +/- 3.1 percentage points. TAXES STUDY S Q32. WHAT BEST DESCRIBES YOUR RESPONSIBILITY

More information

Rural Housing, Inc. 1

Rural Housing, Inc. 1 Rural Housing, Inc. 1 Application for Assistance: Property Taxes General Guidelines: Must be under 50% County Median Income by family size, call for specific $ limit Housing costs must be affordable, less

More information

Uniform Residential Loan Application

Uniform Residential Loan Application This application is designed to be completed by the applicant(s) with the Lender s assistance. Applicants should complete this form as Borrower or Co-Borrower, as applicable. Co-Borrower information must

More information

Mortgage Regulation Update

Mortgage Regulation Update Presented by: Mortgage Regulation Update Wisconsin Credit Union League Convention 1 Objectives At the end of this session, you will: Recognize recent updates to existing mortgage rules TILA/RESPA Integrated

More information

APPLICATION FOR HOMEOWNERSHIP 34 JEFFERSON AVENUE, Brooklyn, New York

APPLICATION FOR HOMEOWNERSHIP 34 JEFFERSON AVENUE, Brooklyn, New York APPLICATION FOR HOMEOWNERSHIP 34 JEFFERSON AVENUE, Brooklyn, New York INSTRUCTIONS: 1. SUBMIT ONLY ONE APPLICATION PER HOUSEHOLD. You may be disqualified if more than one application is received per lottery

More information

Uniform Residential Loan Application

Uniform Residential Loan Application This application is designed to be completed by the applicant(s) with the Lender s assistance. Applicants should complete this form as or Co-, as applicable. Co- information must also be provided (and

More information

10. Hundertwasser Art Centre Survey

10. Hundertwasser Art Centre Survey Supplementary Agenda No 1 10. Hundertwasser Art Centre Survey Reporting officer Date of meeting 28 May 2014 Paul Dell (Group Manager District Living) Vision, mission and values This item is in accord with

More information

TSB Community Trust: Research Overview 2014

TSB Community Trust: Research Overview 2014 TSB Community Trust: Research Overview 2014 1 P a g e Revised Version Final 1.1 This version of the Final report 1.1 is the current version of the TSB Community Trust Census 2013 Report. Revised in September

More information

Don t return this page

Don t return this page Student Allowance/Student Loan/Scholarship Overseas study application form Complete this form if you want to apply for a Student Allowance/Student Loan/Scholarship for overseas study. You can also apply

More information

The Business of Ageing Update 2015

The Business of Ageing Update 2015 INTRODUCTION i The Business of Ageing Update 2015 This report provides an update to the report: Realising the Economic Potential of Older People in New Zealand: 2051 ii THE BUSINESS OF AGEING UPDATE 2015

More information

Nga Tangata Microfinance

Nga Tangata Microfinance Nga Tangata Microfinance Auckland Microfinance Initiative (AMI) University of Auckland, 15 March 2017 Nga Tangata Microfinance founder & director, Dr M.Claire Dale, m.dale@auckland.ac.nz Safe, fair, domestic

More information

Tax Deductions and Forms Checklist This Checklist Covers Most Jobs

Tax Deductions and Forms Checklist This Checklist Covers Most Jobs Tax Deductions and Forms Checklist This Checklist Covers Most Jobs Revised April 30, 2017 This is a list of items that you need when you come to see us for your tax return. We have additional forms on

More information

OWN IN OGDEN APPLICATION PROCESS

OWN IN OGDEN APPLICATION PROCESS OWN IN OGDEN APPLICATION PROCESS Complete Application Packet: (Incomplete applications will not be accepted) Own in Ogden Application (completed and signed) Own in Ogden Loan Commitment (signed & dated)

More information

The new Australian Consumer Law what does it mean for your business?

The new Australian Consumer Law what does it mean for your business? From 1 January 2011, the Trade Practices Act 1974 (Cth) (TPA) will be amended by the Trade Practices Amendment (Australian Consumer Law) Act (No. 2) 2010 and replaced by the Competition and Consumer Act

More information

Gini coefficient

Gini coefficient POVERTY AND SOCIAL INCLUSION INDICATORS (Preliminary results for 2010) 1 Poverty and social inclusion indicators are part of the general EU indicators for tracing the progress in the field of poverty and

More information

ESSENTIALS CARD AND GROCERIES ONLY CARD TERMS AND CONDITIONS

ESSENTIALS CARD AND GROCERIES ONLY CARD TERMS AND CONDITIONS ESSENTIALS CARD AND GROCERIES ONLY CARD TERMS AND CONDITIONS Date: 3 April 2018 Product Issuer: Woolworths Group Limited ABN 88 000 014 675 1 Woolworths Way, Bella Vista, NSW 2153 everydaygiftcards.com.au

More information

Por favor diligenciar el siguiente formulario y enviarlo al correo electrónico o al fax Gracias!

Por favor diligenciar el siguiente formulario y enviarlo al correo electrónico o al fax Gracias! Por favor diligenciar el siguiente formulario y enviarlo al correo electrónico lvlending@linkvestcapital.com o al fax +1 305 523 6575 Gracias! Please fill out this form and send it back to lvlending@linkvestcapital.com

More information

Your Will. Wills & Bequests. Te Ope Whakāora

Your Will. Wills & Bequests. Te Ope Whakāora Your Will Wills & Bequests Te Ope Whakāora The Mission of The Salvation Army The Salvation Army, an international movement, is an evangelical part of the universal Christian Church. its message is based

More information

Uniform Residential Loan Application

Uniform Residential Loan Application This application is designed to be completed by the applicant(s) with the Lender s assistance. Applicants should complete this form as Borrower or Co-Borrower, as applicable. Co-Borrower information must

More information

Application for Tertiary Education Withdrawal

Application for Tertiary Education Withdrawal For assistance with completing this form please go to www.whairawa.com, or contact us on 0800 WHAI RAWA (0800 942 472). SECTION 1: Details of Account Owner Title: First Names: Last Name: Postal Address:

More information

Work health and safety;

Work health and safety; Work health and safety; New work health and safety (WHS) laws replaced the occupational health and safety (OHS) laws in NSW on 1 January 2012. These new laws will provide greater consistency, certainty

More information

GENERAL INFORMATION (complete for all programs)

GENERAL INFORMATION (complete for all programs) FINANCIAL SELF-RELIANCE DEPARTMENT REQUEST FOR SERVICES I am interested in: Home Ownership Home Buyer s Certificate Foreclosure Prevention/Loss Mitigation Credit Counseling Other: GENERAL INFORMATION (complete

More information

Insolvency Statistics and Debtor Profile Report 1 JULY 2016 TO 30 JUNE 2017

Insolvency Statistics and Debtor Profile Report 1 JULY 2016 TO 30 JUNE 2017 Insolvency Statistics and Debtor Profile Report 1 JULY 2016 TO 30 JUNE 2017 MB14340 Contents Introduction 2 Annual Statistics 3 Key Characteristics of Debtors 11 Summary Instalment Orders 12 No Asset Procedures

More information

Uniform Residential Loan Application

Uniform Residential Loan Application Uniform Residential Loan Application This application is designed to be completed by the applicant(s) with the Lender s assistance. Applicants should complete this form as or Co-, as applicable. Co- information

More information

Partnership Tax Return 2018 for the year ended 5 April 2018 ( )

Partnership Tax Return 2018 for the year ended 5 April 2018 ( ) Partnership Tax Return 2018 for the year ended 5 April 2018 (2017 18) Tax reference Date Issue address HM Revenue and Customs office address Telephone For Reference This notice requires you by law to send

More information

PREVENTING AND MANAGING HIGH COST DEBT: PAYDAY LOANS, AUTO TITLE LOANS, AND STUDENT LOANS

PREVENTING AND MANAGING HIGH COST DEBT: PAYDAY LOANS, AUTO TITLE LOANS, AND STUDENT LOANS PREVENTING AND MANAGING HIGH COST DEBT: PAYDAY LOANS, AUTO TITLE LOANS, AND STUDENT LOANS P R E S E N T E D B Y : I N G E R G I U F F R I D A, F I N A N C I A L E D U C A T O R A N D A S S E T B U I L

More information

Labour s plan will make KiwiSaver compulsory for every employee aged 18 to 65 from 2014.

Labour s plan will make KiwiSaver compulsory for every employee aged 18 to 65 from 2014. SAVINGS POLICY: QUESTIONS AND ANSWERS Universal KiwiSaver Why is Labour introducing universal KiwiSaver? We are heavily indebted as a country. Our private debt is now over $140 billion (70 per cent of

More information