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to a borrower for the use of the lenders funds. What Are The Different Types ... by the Federal Reserve Bank Types of Mortgages and their Interest Rates There are several types of mortgages available and each has different types .... Most have a maximum term of 30 years or a maximum age of 60. Revolving credit: This type ... period. Types of Credit Card Interest Rates Variable rates: Credit card companies..
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account may be stated at 5 and on a long-term deposit at 7. When these rates ... them into an annual net yield rate. For example a term deposit can be stated at 5 ... However another investment product which could be stated at 5 also at simple interest will only earn 5. How does Compound Interest Work Compound Interest is about earning ... on this investment Number of Years Elapsed Value of 80 monthly savings at 7 5 6388..
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Types of Patents There are 2 types of patents in the USA : 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 Unless you are familiar with the Patents Act 1953 and the patent system applying..
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of businesses by affecting market structure and particular types of industries and laying ... that govern this. Businesses will also come into contact with other types of negotiable..
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from natural water bodies discharging contaminants into air from certain types of premises..
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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 bac.....
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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 to or better t.....
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Making a Patent Application In the USA IPONZ is the government agency responsible for the examination of patent applications. Their address is - http:www.iponz.govt.nzplswebdbssiten.main 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 bro.....
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Ownership and Control of Business There are 3 main business structures used in the USA : 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 person i.....
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Conduct of Business Business in New Zealand is not controlled in any way. All businesses have to follow their own standards and principles. However business conduct is overseen by 3 government agencies: The Commerce Commission. The Securities Commission Takeovers Panel The Commerce Commission The Commerce Commission is an independent organisation charged with promoting the aims of competition disc.....
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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 Whole section 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 attorney to act for you work through your lawyer who will make a.....
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Types of Property Most property in the USA 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. Commercial Property. Industrial Property. Retail Hospitality Rural Here are the 7 major types ... take time to learn about this type of property as well as how property investment..
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What is meant by Media Advertising Media advertising comes through paid advertisements in radio newspapers magazines and television. Other types of advertising .... Features of the 4 Main Types of Advertising Features specific to the major forms ... to the audience type you want to reach. Radio advertising. Radio advertising is usually ... Internet 3.5 The major types of advertising used by small businesses were: Print..
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Before you start Advertising Heavily Before you move into a heavy advertising program there are a number of things you need to do first. These are: Carry out full research. Your market research is important because it will answer the following questions: What products or services do people want to buy What types ... you have available for advertising will determine to a great extent the type of advertising media..
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your policy at any time if it is that type of policy. See if the policy..
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What Types of Life Cover Are There There are various policies available under life insurance. These include: Whole of life or permanent cover. A whole of life policy will offer continued death cover for a specified sum. In return ... type insurances. Some insurance companies have developed policies ... and have developed an investment type policy. They combine the features of the endowment policy..
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into one asset class. There are two types of return possible on property ... with say managed funds. There are many types of property ... - 5 years at the very least and this can scare a lot of tenants..
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