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Winz near your location – Cylex NZ, work and income nz.#Work #and #income #nz

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The Ministry of Social Development helps people to be successful in their lives Every day our people invest energy and passion into making a difference in the lives of children and young people . WINZ, pensions, Work and Income, income, superannuation, Government Departments, jobs, employment.

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Work and income nz

The content displayed in the Cylex Business Directory consists of information from third parties, among others from publicly accessible sources, or from customers, who have a presentation page in our directory. Cylex cannot be held responsible or liable for the accuracy, correctness, usefulness or reliability of the data. The brand names, logos, images and texts are the property of these third parties and their respective owners. If you have any questions or suggestions regarding this matter, you are welcome to contact our customer support team.

Work and Income NZ, Engage Aotearoa, work and income nz.#Work #and #income #nz

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The Disability Allowance is a weekly payment to help people meet the costs associated with a disability or health condition (including mental-health conditions). You can find out more by following the link below. You might be surprised to find out just how many things you can get help with if you live with the effects of a health condition.

About the Disability Allowance

The Disability Allowance is a weekly payment for people of all ages who have a disability or ongoing health condition and need help with the additional costs directly associated with that condition.

It is available to people who qualify for a Community Services Card including those on a benefit or people who are working. There is an income test. An application can also be made on behalf of a child if they are aged 18 years or under and financially dependent on the person who is making the application.

To qualify for Disability Allowance the person must:

have a disability or health condition that is likely to last at least six months have regular, ongoing costs because of a disability which are not fully covered by another agency are a New Zealand citizen or permanent resident normally live in New Zealand and intend to stay here meet the income and asset test.

Allowable costs covered by a Disability Allowance

Following are some examples of costs that a Disability Allowance may be paid for; noting that the cost must be directly related to the person s disability:

Alternative treatment: must be supported by a medical practitioner as being necessary to be publically funded for the person s condition, and the treatment provided or supervised by a health practitioner (under the HPCAA).

Ambulance fees and subscriptions: when a person is required to pay ambulance fees or subscription fees on an annual on-going basis.

Authorised consumables: can cover the ongoing additional cost of consumable items needed by a person, eg hearing aids, vet s fees etc for guide dogs, incontinence pads (if they are not provided through Health).

Clothing: for additional clothing costs that a person has which may arise because of greater frequency of washing, wear and tear resulting from use of a prosthetic aid or wheelchair or the need to have clothes or shoes made-to-measure.

Counselling: for counselling fees if the need for counselling is directly related to the person s disability. It is limited to 10 sessions with the opportunity for some additional sessions if clinically indicated (uncommon).

Day care for the elderly disabled: to help meet the costs of an elderly disabled person (usually aged 65 or over) to attend a day care centre, and/or the cost of transport to the centre.

Gardening, lawns and outside window cleaning: covers the costs of gardening, lawn-mowing, and outside window cleaning for the person s own home or private residence where the person or another resident in the home is unable to do these tasks themselves.

Gym and swimming pool fees: may be paid when the exercise activities are directly related to a person s disability and will have a therapeutic value.

Medical alarms: to cover the costs of medical alarm rental and monitoring if a medical alarm is necessary for normal daily living and without it, the person s life or health would be put at risk, or their disability would be aggravated.

Medical fees: to cover the cost of appointments with general practitioners, specialists or hospital fees if the costs are additional and ongoing. This can also include fees for the some other health services (if a registered medical practitioner verifies the need and its relationship to the documented disability or health condition), for example occupational therapy, physiotherapy, audiology, podiatry or dental services.

Pharmaceutical charges: to cover the costs of regular and ongoing pharmaceutical charges. Note: It is generally only paid to assist with the cost of pharmaceutical products that are subsidised or partially subsidised under the New Zealand Public Health and Disability Act.

Power, gas and heating: for the additional electricity, gas or heating costs that a person has. It is for the costs over and above the normal power consumption of similar-sized households.

Rental equipment: for necessary rental equipment when the client has a need for the item or service but can t receive funding through the District Health Board or another state funded agency and their life or health would be put at risk, or their disability aggravated if they could not hire the equipment.

Special foods: to cover the additional costs of special foods, ie for costs over and above the normal cost of food. Vitamins, supplements, herbal remedies and minerals can also be included when they are recommended as necessary for the management of the condition.

Telephone: for telephone costs to a person with a disability only when the ongoing cost of the telephone is directly related to the person s disability.

Transport disability: for additional travel costs that a person has because of their disability. These additional travel costs can be incurred when a person with a disability is carrying out everyday activities. Examples of everyday activities may include (but is not limited to) shopping, vocational services and work.

Transport personal health: to cover the costs of regular travel to a health practitioner for supervision or treatment of the person s disability.

Work and Income could pay out millions in – missed days – payments, work and

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Last updated 07:40, November 13 2015

Work and income nz

Work and Income s making good on 18 years worth of missed day backpay.

Christmas has come early for hundreds of past and present beneficiaries, with Work and Income forking out $26,600 this week in back-pay for “missed days”.

And a beneficiary advocate believes there could be tens of millions of dollars in payments to follow, as Work and Income makes good on 18 years’ worth of unpaid entitlements.

This week, it backpaid 253 people an average of $105 each, following a long-time payment blunder that was revealed seven weeks ago.

Work and income nz

Aaron Tily, the administrator of a Facebook advocacy page, was among the first to receive payments.

Between June 3, 1998, and September 28 this year, Work and Income waited an extra day after applicants’ stand-down periods ended before making their initial benefit payments.

Under the law, it should have paid on the same day the stand-down lifted.

The government’s known of the mistake since early this year, and introduced legislation in June to retrospectively change the “missing day” provision, so all of the erroneous payments would have been legitimised.

Work and income nz

Beneficiary advocate Kay Brereton says potentially hundreds of thousands of people could be owed up to $700.

The amendment was tucked inside a wider social security bill, but long-time beneficiary advocate Kay Brereton spotted the tiny tweak in September, while preparing a select committee submission.

“I was stunned, to be honest, that they thought that was an okay thing to do,” she said.

By November 10, 632 people had asked Work and Income to review their cases.

The Ministry of Social Development said 56 cases were found to have no entitlements owing, 253 were paid and the rest were still being processed.

Brereton says the biggest payout she’s heard of so far is about $300, but bigger payments could follow.

She believed there could be hundreds of thousands of people owed money, some for several years’ worth of missed days’ payments.

“With people who have been doing seasonal work – meat-workers, some people who are working in schools as teacher aides, things like that – those people might have been on and off benefits every year and had a stand-down every year, and be owed a day [for each year].”

The price of one day depended on the benefit and the year, but Brereton calculated it would be an average of $40 – meaning long-term claimants could be owed up to $700 or more.

“It is huge,” she said.

Work and Income declined to put a figure on how much it owed.

It changed its processes on September 29, so anyone granted a benefit from that date received their first payment on the same day their stand-down ended.

The retrospective legislation, once passed, will change that to the day after the stand-down ends – the way Work and Income has paid it for the last 18 years.

The Facebook page had nearly 7000 members on Friday morning. The group’s administrator, Aaron Tily, said he had received $93.

Brereton is prepared for some public pushback – but says the claimants are simply seeking what they’re legally entitled to.

“The people with the biggest claims, they’re the people who’re going to work when there’s work, and having to go back onto the benefit when that work stops.

“It’s the system ripping off the poor people, rather than the people ripping off the system.”

Getting in touch with us – Ministry of Social Development, work and income nz.#Work #and

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Getting in touch with us

This page will help you find the most appropriate people to answer your questions or respond to your comments.

Postal address

If you need to send us mail, unless stated below, our postal address is:

Ministry of Social Development

Enquiries on New Zealand Superannuation and other entitlements for 65 plus

Contact phone number

Freephone 0800 552 002

Monday to Friday 8am-5pm

Select an option to tell us about:

Select an option to request:

Send all general mail to:

Ministry of Social Development

Send completed NZ Super application online print and post forms with any documents to:

Ministry of Social Development

[email protected] (Clicking on the email address may open an internet browser window. To avoid this you can copy and paste the address into an email window.)

Special discounts

Monday to Friday 8am-5pm

Monday to Friday 8am-5pm

Overseas Entitlements: Senior Services International

Monday to Friday 8am – 5pm

Monday to Friday 8am – 5pm (NZ time)

Fax: + 64 4 918 0159

Senior Services International

Residential Subsidies

Monday to Friday 8am-5pm

Monday to Friday 8am-5pm

Veteran’s Pension

Phone: 0800 650 656

Freefax: 0800 999 996

Monday to Friday 8am-5pm

Work and Income general enquiries

Monday to Friday 7am-6pm and Saturday 8am-1pm

International phone number

Monday to Friday 7am-6pm and Saturday 8am-1pm (NZ time)

Contacting people in other service delivery arms of the Ministry

Hearing or Speech Impaired (or you find it hard to communicate by phone)

If you re paying back a debt, and are no longer on income support, please call 0800 558 008 (open Monday to Friday 7am-6pm).

All calls are recorded by the Ministry of Social Development to improve our service to you. These calls are held securely by the Ministry. You can ask for access to your calls by dialling 0800 559 009.

If you have any privacy queries or concerns, please talk to us or write to:

Ministry of Social Development

Work and income nz

Expense Budget Spreadsheet Template for Business, income and expenditure template.#Income #and #expenditure #template

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Expense Budget Spreadsheet Template for Business

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A budget helps an individual to reach both the spending and saving goals as it tracks the spending rate, income and expenses. The challenge always is developing a budget spreadsheet, whereby you might omit or forget to list all items. Therefore, it is easy and cheaper to do it through the help of a template. The expense budget spreadsheet template is part of a financial planning series referred to as the process of making a budget using a template.

Expense budget spreadsheet template gives the individual a chance to predict the amount of cash flow the individual has. The expense budget spreadsheet template has various uses, which include, easy budgeting by feeling in the details on the monthly budget template in accordance to your financial income and expenditure desires. Apart from that, it allows the individual to put each item he or she purchases in the item category and after adding up. It is then compared to the total amount spent with the amount budgeted. This helps the individual to add up income and expenses and find the difference between the two. Some like the wedding budget template help are used to show how much you should spend on each item in the wedding. They also help you think of expenses you might not have thought of.

In addition to this, the expense budget spreadsheet template can be used to create a yearly budget and track the expenses one’s expenses from month to month thus useful for planning large purchases or making major life changes such as kids, school, changing jobs and marriage. The expense budget spreadsheet template provides for different budgets so that the individual has freedom to choose the one that he prefers. They include budget by month, which lists the monthly expenses, tracks the income and tally the monthly averages, yearly budget, and personal budget, household budget mainly for families where mostly the income of the parents is tallied and budget worksheet. The expense budget spreadsheet template should be updated periodically as an income or expense item changes in amount or at the end of every month as you receive the statements. The ultimate benefit is this template is that you do not have to prepare any other spreadsheet but rather use the expense budget spreadsheet template provide online for all you are budgeting.

Preview of Expense Budget Spreadsheet Template for Business :

Income and expenditure template

Sample Business Budget Template for Income and Expenses, income and expenditure template.#Income #and #expenditure #template

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Sample Business Budget Template to Estimate Income and Expenses

Income and expenditure template

Here is a worksheet you can use to set up a basic business budget. Depending on your particular type of business, you may have to include different types of income or expenses, but this worksheet should give you the general idea of the types of items you should include in your business budget.

Basic Business Budget Worksheet

How to Use Your Business Budget

Ideally, you should update your budget monthly, using your expenses and income for the prior month as your guide, and working with your senior staff. That way, you can tweak your budget as you go.

This monthly business budget review may indicate where efforts have been successful. For example, if you switch health insurance carriers to obtain lower-cost coverage, you can see how that change affects your bottom line month over month (and year over year, as well).

A monthly business budget review can help you spot potential problems, as well. For example, if you re a retail business, you may realize you need to ramp up your advertising spending more in the fall in order to take advantage of the holiday shopping season. Or if you ve made changes that could have tax implications, you may need to bump your accounting spending.

Why Write a Business Budget at All?

If your business is small, you may wonder why you need a budget — after all, you most likely have a pretty good idea of your monthly cash flow and expenses.

This may be even more true if your business is well-established, with a cash flow pattern that s quite similar year over year.

However, even if this is the case for your business, you still should consider at least drafting a basic budget, like the one on this worksheet. Even the best-established business can run into problems with supply chain, or face a sudden, unexpected expense like a substantial rent increase.

Having a budget in place — even if it s a rudimentary one that you update only once per year — can help you plan for those eventualities and ride them out when they happen. It also might help you see where you could shave costs to increase your profits.

What Is the Meaning of Gross Salary, define wages and salary.#Define #wages #and #salary

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What Is the Meaning of Gross Salary?

Define wages and salary

Your gross salary includes virtually everything you make.

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You may hear terms such as gross salary, net salary and deductions used, especially on payday, but might not be completely clear as to what all of them mean. Knowing these important terms can help you when it comes to understanding your paycheck and why you don t see a check for the full amount you ve earned. While your net pay is the actual amount of your paycheck, your gross pay includes money that you never see, though the missing amount shows up as various types of deductions from your pay.

Basic Definition

Gross salary is the term used to describe all of the money you ve made while working at your job, figured before any deductions are taken for state and federal taxes, Social Security and health insurance. If you work more than one job, you ll have a gross salary amount for each one. Creditors often look at your gross salary when determining whether or not they should extend you credit, and, if they decide to do it, how much they ll give you.

IRS Definition

The IRS goes a bit further in their definition of gross salary. The W-2 form that you get each year includes your gross salary, but your employer must also include many other non-monetary benefits that you received during the year as a part of that amount. These items include benefits such as tips, some kinds of reimbursement for business expenses, payments to a school for educational benefits not required for your job and certain payments to a life insurance policy for you. These are all combined and appear as a single amount in Box 1 on your W-2.


The IRS allows you to exclude certain elective deferrals, or payments, that you make to a retirement program. Any amounts you contribute to either a 401(k) or a 403(b) plan do not show up as part of your gross income. Most other retirement plan contributions you may make, such as those to a Roth IRA, are counted as part of your gross income and are reflected in the amount printed in Box 1 on your W-2 form.

Gross Income

Your gross income is the total income amount that you must report to the IRS. This amount includes all of your income from all sources, such as the total of your combined salaries if you held more than one job during the year, and any other income you may have from a trust fund, rental income, dividends or other source. The resulting amount is used as the basis for determining your income tax, and then you subtract all your allowable tax deductions to come up with your adjusted gross income, commonly called the AGI. This is the actual amount you have to pay taxes on and is the amount some creditors, such as the Department of Housing and Urban Development, use to determine your loan eligibility.

Assets, Liabilities, and Shareholder Equity Explained, sample balance sheet and income statement.#Sample #balance #sheet #and

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Assets, Liabilities, and Shareholder Equity on the Balance Sheet

Sample balance sheet and income statement

Whenever you pick up the financial statements of a company, any company, and turn to the balance sheet, you ll find it divided into three main sections every time: Assets, Liabilities, and Shareholder Equity. By understanding the role these sections play, and how each one relates to the others, you ll have a much easier time uncovering the economics and financial condition of the company or partnership you are analyzing, including getting an idea of its capital structure.

Assets, Liabilities, and Shareholder Equity

Let s take a moment to briefly examine each.

  • Assets. Broadly speaking, assets are anything that has value. For a company, assets on the balance sheet will consist of things such as land, buildings, desks, lamps, computers, signage, and patents. Some businesses require far more assets to operate than others, which influences return on capital employed calculations.
  • Liabilities. Broadly speaking, liabilities are debts and obligations owed by the company; the opposite of assets. Liabilities include monthly lease payments on real estate, bills to keep the lights turned on and the water running, corporate credit card debt, bonds issued to investors, and other outflows.
  • Shareholder Equity. The equivalent of accounting net worth, shareholder equity is what remains when you subtract all of the liabilities from all of the assets. It is also referred to as book value . For some businesses, book value is highly informative of the economic condition of the firm. For others, book value on the balance sheet is all but meaningless. Learning to distinguish between the two involves understanding how the profitability and business models of differ between firms, industries, and sectors.

    Every balance sheet must balance. It sounds axiomatic, and it is, but it is vitally important to internalize this basic concept from the very beginning of your education. The total value of all assets must be equal to the combined value of​ all liabilities and shareholder equity. For example, if a lemonade stand had $25 in assets and $15 in liabilities, the shareholder equity would be $10.

    The assets are $25, the liabilities shareholder equity $25 [$15 $10]. An easy way to remember this simple formula is A (assets) L (liabilities) E (shareholder equity).

    What Does a Balance Sheet Look Like?

    Below is an example of what a typical balance sheet looks like. I ve taken it from an old Coca-Cola annual report and, for the sake of space, removed lines that had a $0 value. Don t worry, though, we will still discuss each line you are likely to encounter when reading a balance sheet, whether it s for a small business or a large publicly traded corporation, in later lessons.

    If you want to find a balance sheet of your own choosing, the easiest place to get the full regulatory copy that was submitted to the Securities and Exchange Commission (in the case of publicly traded firms) is to get your hands on the company s 10-K filing. These days, they are available for free online and with a few clicks of a button, can be downloaded in a matter of seconds. Companies also routinely reproduce their balance sheet in their annual report to stockholders, though these are often summary versions and don t include the extensive footnotes that we will later get into discussing everything from depreciation policies to allowances for non-repayment of accounts receivable.

    Sample Coca-Cola Balance Sheet

    Consolidated Balance Sheet – January 31, 2001

    Simple Balance Sheet and Income Statement Example, sample balance sheet and income statement.#Sample #balance #sheet

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    Simple Balance Sheet and Income Statement Example

    Mort Thanatopolis, a licensed mortician, has decided to open a funeral home specializing in very low cost funerals. The business will be called “Can U Dig It?” Here is a list of his first month’s cash transactions:

    December 1, Mort opens a business checking account with a deposit of $5,000 of his own funds.

    December 3, Mort pays $1,000 for 1,000 extra large, heavy duty, plastic bags.

    December 5, Mort borrows $1,500 from his sister Morticia.

    December 5, Mort purchases $500 of newspaper advertising.

    December 8, Mort collects $1,200 in fees for three funeral services.

    December 9, Mort pays $155 to a local minister to officiate at the three funerals.

    December 10, Mort uses 3 plastic bags at the funerals.

    The table below illustrates the effect of these transactions on the fundamental accounting equation:

    Sample balance sheet and income statement

    Notice that the basic accounting equation is maintained after each transaction. In the first equation an asset is increased by $5,000 while equity increases by the same amount. In some transactions, like the second, only one side of the equation is changed. One asset, cash, decreased, while another asset, funeral supplies, increased by the same amount. In the third transaction, cash increased and so did a liability in the same amount. The final four transactions involved revenue and expenses, which are increases and decreases in equity. The revenue transaction increased both cash and equity by the same amount. The expenses decreased both assets and equity by the same amount. These transactions and final account balances lead to the following simple balance sheet and income statement.

    Sample balance sheet and income statement

    Sample balance sheet and income statement

    Balance Sheet and Income Statement, Solved Examples, sample balance sheet and income statement.#Sample #balance #sheet

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    Balance Sheet and Income Statement Solved Examples

    The following trial balance is prepared after preparation of income statement for F. Green as at 31 March 2015.

    Sample balance sheet and income statement

    Prepare balance sheet for F. Green as at 31 March 2015 in both horizontal and vertical style.

    In the absence of information about the date of repayment of a liability, then it may be assumed that loan is a non-current liability and a trade payable is a current liability.


    Balance Sheet (Horizontal Style)

    Sample balance sheet and income statement

    As mentioned earlier that vertical style of balance sheet is in fact another way of expressing accounting equation, i.e.,

    Sample balance sheet and income statement

    This relationship is shown in the following balance sheet:

    Balance Sheet (Vertical Style)

    Sample balance sheet and income statement

    We can see in the above balance sheet that total of current assets is not directly added to non-current assets rather this is shown in the inner column. It is to provide a subtotal from which we could deduct total of current liabilities, and so identify net current assets (working capital).

    If we have more than one current liability, then the individual current liabilities would have to be inserted into a third column and then total amount would be carried and deducted from the subtotal of current assets.

    We can see a new item in the vertical style of balance sheet labeled as net current assets because it represents the net worth of current assets after settling outstanding current liabilities. This is also called working capital as this is the amount available to a business for meeting its working (operational) needs of the business.

    The net total non-current assets and net current assets ($54400 in the balance sheet given above) is double underlined to indicate the final total of the first side of the balance sheet. This is called capital employed, however, from examination point of view there is no need to name it as such in the balance sheet.

    Example 2: Preparation of Income Statement and Balance Sheet:

    The following balances are taken from the books of George Anderson at the end of his first year trading on 31 December 2014.

    Sample balance sheet and income statement

    The following additional information is available:

    Inventory at 31 December 2014 was valued at $4500.

    (a) Prepare income statement for the year ended 31 December 2014.

    (b) Prep[are a balance sheet as at 31 December 2014.


    Income Statement

    For the year ended 31 December 2014

    Sample balance sheet and income statement

    Balance Sheet as at 31 December 2014

    Sample balance sheet and income statement