In the Pipeline

Minimum Redundancy Payouts
Somewhat unexpectedly, the Employment Relations (Minimum Redundancy Entitlements) Amendment Bill has been drawn from the ballot for debate in Parliament.

The provisions of the Bill are based on the recommendations of the Public Advisory Group on Restructuring and Redundancy and propose the introduction of a statutory entitlement to redundancy compensation and minimum notice of redundancy termination for redundancy to affected employees. For more information, refer to our Sept-Oct journal or log on as a member.

Limitation Bill

This bill will replace the Limitation Act 1950.

Its intention is to encourage claimants to make claims without undue delay, and protect defendants from the unjust pursuit of stale claims.

Submissions closed 4 September and the report is due on 4th February 2010.

For the text of the Bill, click here

Student Loan Scheme

Submissions for the Student Loan Scheme (Exemptions and Miscellaneous Provisions) Amendment Bill close on Friday, 2nd October 2009.

This bill amends the Student Loan Scheme Act 1992 by extending interest-free loans.

Thank You Financial & Business Advisor

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I wish to say thank you for your excellent and informative periodicals and a special thank you for the excellent question and answer service you provide.
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INTEREST RATES UPDATE

Dr Bollard has indicated that the OCR could still move modestly lower over the coming quarters. "We continue to expect to keep the OCR at or below the current level through until the latter part of 2010.” he said.

In our view, it is unlikely that we shall be seeing another fall in the OCR in the short term wiith the improved levels of confidence that we have been seeing. It is possible that banks will continue to increase mortgage rates and consideration should be given to locking in loans at existing rates.

On April 30 the Reserve Bank cut the Official Cash Rate (OCR) 50 basis points bringing the rate down to 2.5%. This is how we stack up internationally:

China	Australia	NZ	Europe	UK	USA	Japan
5.31%	3%	2.5%	1.00%	0.5%	0.3%	0.1%

The Reserve Bank has dropped the rate progressively from 8.5% in July of last year and the rate is the lowest it has been since it was first introduced.

For more information, refer to the following links:

Listen to Free Music on iPhone in cars as you travel to your homes

Vodafone plans cars homes red car for saleyoutube free free travel homes youtube myspace furniture Google iPhone iPhone iPhone iPhone iPhone iPhone iPhone iPhone iPhone iPhone cars redcars

What's hot? - iPhone youtube cars travel facebook

What are people searching for on Google? Don't know? You should. This will help you to increase traffic to your website.

Of course, people are always searching for porn but you are not after the dirty sex traffic. You also probably don't want those that are looking for free music, free downloads, free games or free furniture.

Here is a list of popular searches:

1. iphone
2. youtube
3. myspace
4. heroes
5. facebook
6. most celebrities
7. cars
8. homes
9. furniture
10. free
11. travel
12. youtube
13. myspace
14. heroes
15. facebook

So how can this help you? If you what people want, you can give them what they need on your site. People want to know about iPhones. Why not give them an article like the one below that is likely to answer the questions that they need.

Should you be rushing out now to buy an iPhone? See options below to decide for yourself.

Let's take a look at Vodafone's iPhone 3G Plans

Vodafone says they are offering a $438 voucher off cost of phone.

Three iPhone plans are availalble as follows - iPhone 250, iPhone 500 and iPhone 1GB

Things to know

The iPhone 3G plans are only available on iPhone 3G handsets.
You can get a You Choose plan on an iPhone 3G but you will not be able to access the web without a Broadband Plan for Mobile.
If you purchase an iPhone 3G, use it on You Choose plan then move to an iPhone plan, you will not be eligible for the iPhone 3G handset subsidy.
Once you have purchased an iPhone 3G you must activate it via iTunes in order to use data, and register via iTunes in order to use the iTunes service.
All prices above include GST.
All plans are on a 24 month term.
Vodafone On Account Terms and Conditions apply.
Vodafone Group Plc has has signed an agreement with Apple to sell the iPhone in ten of its markets around the globe.

New Zealand is the first country in the world to be offered the new 3G iPhone by Vodaphone.

THE FOLLOWING BROADBAND PLANS ARE AVAILABLE ACCORDING TO THE VODAFONE WEBSITE

iPhone Specific Plans	iPhone 250	iPhone 500	iPhone 1GB
Cost per Month	$80	$130	$250
Included Minutes	120	250	600
Included TXT	600	600	600
Included Data	250 MB	500 MB	1 GB
Additional Usage
Per minute	$0.69	$0.55	$0.53
Per TXT	$0.20	$0.20	$0.20
Per MB	$0.10	$0.10	$0.03
iPhone with plan
8GB iPhone	$549	$449	$199
16GB iPhone	$699	$599	$349

Vodafone New Zealand to release Apple iPhone

Ending your contract early (Early Termination Charge)

Early Resign Fee

Switching to an iPhone plan