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to a borrower for the use of the lenders funds. What Are The Different Types ... by the Reserve Bank of New Zealand. Types of Mortgages and their Interest Rates There are several types of mortgages available and each has different types ...: This type of loan allows the borrower to redraw money up to the maximum level ... in a more flexible time period. Types of Credit Card Interest Rates Variable rates: Credit..
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The Effect of Compound Interest We have all heard of compound interest but some dont know how it works. Compound interest is the interest you earn on the interest that you have earned before which was calculated on the principle amount borrowed. When you deposit money into your bank account or into another investment you expect to earn interest which is your return. The rate of the return you rece.....
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What is a Business Structure A business structure is the form or type of business entity under which you choose to run your business .... The structure you finally select will depend on the type of business you run ... that may be involved will also affect the type of structure or legal entity you will adopt ... savings. There are 5 types of business structures that you can use. Sole Trader..
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Types of Patents There aretwo types of patents in New Zealand: A standard patent that gives long-term protection and control over an invention for up to 20 years. A petty patent. This is a streamlined way to protect inventions with a short self-life and usually lasts for a maximum of 6 years. Warnings about Patents ... and technology. Patents will do this in 2 ways: They give inventors..
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of businesses by affecting market structure and particular types of industries ... that govern this. Businesses will also come into contact with other types..
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cash when needed. Types of Factoring There are 2 types of factoring that a company..
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Types of Trusts There are 2 types of estates or trusts: Qualifying Non-qualifying and Foreign 1. Qualifying trusts. All trusts that have been taxed in New Zealand on all their income since the date they started. They include trusts settled by New Zealand residents with New Zealand trustees estates of people ... calculation in the IR 6 return. 2. Non-Qualifying or Foreign All other trusts..
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to become a qualifying trust. To change types the trust must elect to pay..
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from natural water bodies discharging contaminants into air from certain types..
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other assets are kept free for any other type of borrowing. With factoring .... Most factoring companies will charge anywhere between 2 10 based..
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Homeworkers are Employees Anyone who works for somebody else in a private home other than work on the house or its fittings or furniture continues to be classed as an employee under the Employment Relations Act 2000. This might be so even if the arrangement does not look like an employment relationship. For example a person who works at home and buys in material to make a product that is sold back.....
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Forming an Employment Relationship What are the legal rules The Employment Relations Act 2000 sets out most of the rules for forming an employment relationship through an employment agreement. The rules differ depending on the circumstances. Set out below are the rules for the following situations: There is NO relevant collective agreement There IS a relevant collective agreement and the new emplo.....
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2. When there IS a relevant collective agreement and the new employee IS a member of the union that negotiated it When there is a collective agreement negotiated by the employees union covering the work the employees minimum terms and conditions of employment must be those set out in the collective agreement. The employer and the employee may agree to other terms that are additional..
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. You will need a completed application form the appropriate fee and either a provisional specification or a complete specification to accompany your patent application. A provisional specification - contains a broad description of the invention and is a preliminary to filing a complete specification. A provisional specification is not examined and its purpose is to establish a priority date for t.....
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Ownership and Control of Business There are 3 main business structures used in New Zealand: Companies Partnerships Sole Traders A sole trader owns all the assets of the business and is solely responsible for the business obligations and debts. If you want to operate a business together with others you can set up as a partnership which is similar to a sole trader except there is more than one perso.....
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Protection Law The 2 main regulations that apply to protect consumers..
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Employment Law This law covers things to do with the relationship between you and the people you employ in your business. As an employer you have certain obligations imposed by legislation and if you fail to fulfil these action can be taken against your business. Insurance Law Most people carry insurance to cover losses to their property business or their assets. The agreement between you and your.....
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The Fair Trading Law The Fair Trading Act 1986 was developed with the Commerce Act to encourage competition and protect the public from misleading and deceptive conduct and unfair trading practices. It applies to all aspects of promotion of goods and services from advertising and price to sales strategies and finance agreements. The Consumer Guarantee Law The Consumer Guarantee Act 1993 makes busi.....
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What are Solicitors and Barristers Solicitors - are concerned mainly with the paperwork involved in legal situations. These include agreements contracts wills conveyance papers etc. Barristers - specialise in appearing before the court on behalf of a client and usually act through a referring solicitor. If you require a barrister to act for you work through your solicitor who will make an introduc.....
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Types of Property Most property in New Zealand have the important features ... to consider when investing in property. There are 7 Major Types of Property The 7 major types apart from Hotels etc are: Residential Apartments and Flats ... major types of property available for investors. 1. RESIDENTIAL PROPERTY Residential ... property take time to learn about this type of property as well as how property..
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