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TRAM STOP SUPALITE
TRAM STOP METROLITE
TW
US
29
09
5
Phone: 1800 222 071 email [email protected] or visit www.twusuper.com.au
This information is of a general nature only and is not a comprehensive study. It has been prepared without taking account of any of your objectives, financial situation or needs and, before acting on the information, you should consider its appropriateness having regard to your objectives, financial situation and needs. A copy of the current Product Disclosure Statement should be obtained from us (by calling 1800 222 071 or visiting www.twusuper.com.au) and considered carefully before you make any decision in connection with TWUSUPER. When TWU Nominees and its representatives provide you with general financial product advice, they do not receive any remuneration (such as commissions) or other benefits for providing this advice to you. TWU Nominees and its representatives do not have any associations or relationships with other entities and persons which may influence the financial services that they provide to you. All the services that TWU Nominees provides are provided in TWU Nominees’ capacity as Trustee of TWUSUPER and, accordingly, this will have some influence on the financial services which we provide. Issued by TWU Nominees Pty Ltd ABN 67 002 835 412, AFSL 239163, RSE Licence No L0000246. TransPension is a division of TWUSUPER (Registration No R1000283).
TWUSUPER is the largest industry super fund covering the transport and logistics industry.
Low member fees and no employer fees
All profits to members
Strong long-term investment performance
Easy administration and online access
Get on board the transport super fund
“Adam has been standing up against the recent government and media attacks on African Australians. He wants to extend the family reunion and humanitarian refugee program, and to provide support to those who have come here seeking a better life.”
Berhan Ahmed Chairperson, African Think Tank
“I have known Adam for many years. He strongly believes in defending the rights of working people, and has helped us protect our wages and conditions. To help protect your rights at work and to fight to stop dangerous climate change, Adam would be an excellent Member of Parliament.”
Peter Marshall, Secretary, Victorian Branch, United Firefighters Union
Phone: 9328 5784
Email: [email protected]
“Adam has helped us fight against State Labor’s plans to increase the rent for single parents in public housing by up to $1,100.”
Lyn Dixon North Richmond tenant
“Let’s change the government and make Melbourne Green”
Adam BandtYOUR LOCAL GREENS CANDIDATE
Greek text: YOUR LOCAL GREENS CANDIDATE
Italian text: YOUR LOCAL GREENS CANDIDATE
Cantonese text: YOUR LOCAL GREENS CANDIDATE
Vietnamese text: YOUR LOCAL GREENS CANDIDATE
Arabic text: YOUR LOCAL GREENS CANDIDATE
Somali text: YOUR LOCAL GREENS CANDIDATE
We support Adam BanDT “Let’s make
MELBOURNE GREEN”
Want to contact Adam, know more or help with the campaign?
Web: www.greens.org.au/melbourne
What kind of world do we want for ourselves?And for our kids?Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner.In recent times, I have been proudly standing side by side with African Australians and speaking out against the government’s appalling statements. We must keep the door to Africa open and share this country with our families and newcomers. In Parliament, only The Greens will push for:
A $30 weekly increase in the pension;Money to go to public schools and health care instead of to the private sector;Getting rid of the harsh Centrelink activity tests, work requirements and assessments;NO WAR IN IRAQ;Ripping up WorkChoices and individual workplace agreements; andTaking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution.
The Greens are effective, and we stand on issues of principle. We speak out on the issues that matter – like David Hicks, ‘welfare to work’ laws and the war in Iraq. Help me create a future that our children and grandchildren will be proud of. Please call me on 9328 5784 if you would like to know more.
Adam Bandt
•••
•••
ARABIC TRANSLATION
SOMALI TRANSLATION
What kind of world do we want for ourselves?And for our kids?Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner.In recent times, I have been proudly standing side by side with African Australians and speaking out against the government’s appalling statements. We must keep the door to Africa open and share this country with our families and newcomers. In Parliament, only The Greens will push for:
A $30 weekly increase in the pension;Money to go to public schools and health care instead of to the private sector;Getting rid of the harsh Centrelink activity tests, work requirements and assessments;NO WAR IN IRAQ;Ripping up WorkChoices and individual workplace agreements; andTaking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution.
The Greens are effective, and we stand on issues of principle. We speak out on the issues that matter – like David Hicks, ‘welfare to work’ laws and the war in Iraq. Help me create a future our that children and grandchildren will be proud of. Please call me on 9328 5784 if you would like to know more.
Adam Bandt
•••
•••
Labor has no short-term targets for cutting greenhouse gas
pollution: their targets are over 40 years away, by which time it
will be too late. The Liberals have no targets at all. The Greens have
a plan to cut greenhouse gas pollution by 30% by 2020,
and 80% by 2050.
Climate change emergency
Senator Bob BrownITALIAN TRANSLATION
What kind of world do we want for ourselves?And for future generations?Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner.
As a senior industrial relations lawyer, I’ve seen workers forced to give up entitlements we took for granted only 10 years ago. I have stood up for the rights of clothing workers in particular, taking many companies to court for underpaying their outworkers as little as $5 an hour.
In Parliament, only The Greens will push for:
A $30 weekly increase in the pension;
Money to go to public schools and health care instead of to the private sector;
Getting rid of the harsh Centrelink activity tests, work requirements and assessments;
Ripping up WorkChoices and individual workplace agreements; and
Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution.
Help me create a future that our children and grandchildren will be proud of. Please call me on 9328 5784 if you would like to know more.
Adam Bandt
•
•
•
•
•
VIETNAMESE TRANSLATION
CANTONESE TRANSLATIONGREEK TRANSLATION
What kind of world do we want for ourselves?And for our kids?Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner.
As Liberal and Labor hand out tax cuts for the already well-off, and agree on private schools and Medicare, The Greens believe it is time to take a stand.
In Parliament, only The Greens will push for:
A $30 weekly increase in the pension;
Money to go to public schools and health care instead of to the private sector;
Getting rid of the harsh Centrelink activity tests, work requirements and assessments;
Ripping up WorkChoices and individual workplace agreements; and
Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs.
I stand for many traditional labour values as well as new green ideas. And I will keep opposing racism, and pushing for a fair go for all Australians.
Voting 1 Green is a safe vote against Howard: your preferences go to Labor. So this election, let’s change the government and send Kevin Rudd a strong message.
Help me create a future that our children and grandchildren will be proud of. Please call me on 9328 5784 if you would like to know more.
Adam Bandt
•
•
•
•
•
What kind of world do we want for ourselves?And for future generations?Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner.
As Liberal and Labor hand out tax cuts for the already well-off, and agree on private schools and Medicare, The Greens believe it is time to take a stand.
In Parliament, only The Greens will push for:
A $30 weekly increase in the pension;
Money to go to public schools and health care instead of to the private sector;
Getting rid of the harsh Centrelink activity tests, work requirements and assessments;
Ripping up WorkChoices and individual workplace agreements; and
Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution.
Voting [1] Green is a safe vote against Howard: your preferences go to Labor. So this election, let’s change the government and send Kevin Rudd a strong message.
Adam Bandt
•
•
•
•
•
What kind of world do we want for ourselves?And for future generations?Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner.
As Liberal and Labor hand out tax cuts for the already well-off, and agree on private schools and Medicare, The Greens believe it is time to take a stand.
In Parliament, only The Greens will push for:
A $30 weekly increase in the pension;
Money to go to public schools and health care instead of to the private sector;
Getting rid of the harsh Centrelink activity tests, work requirements and assessments;
Ripping up WorkChoices and individual workplace agreements; and
Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution.
Voting [1] Green is a safe vote against Howard: your preferences go to Labor. So this election, let’s change the government and send Kevin Rudd a strong message.
Adam Bandt
•
•
•
•
•
What kind of world do we want for ourselves?And for future generations?Under the Howard Government, Australia has become a less fair place to live. And dangerous climate change is now just around the corner.
As a senior industrial relations lawyer, I’ve seen workers forced to give up entitlements we took for granted only 10 years ago. I have stood up for the rights of clothing workers in particular, taking many companies to court for underpaying their outworkers as little as $5 an hour.
In Parliament, only The Greens will push for:
A $30 weekly increase in the pension;
Money to go to public schools and health care instead of to the private sector;
Getting rid of the harsh Centrelink activity tests, work requirements and assessments;
Ripping up WorkChoices and individual workplace agreements; and
Taking URGENT action on climate change by having a large-scale ‘renewable energy’ public works program that will create jobs. We only have 10 years to get it right on climate change, and none of the major parties have any short-term targets to cut greenhouse gas pollution.
Help me create a future that our children and grandchildren will be proud of. Please call me on 9328 5784 if you would like to know more.
Adam Bandt
•
•
•
•
•
Candidate Photos Readyfor Action
CAIRNS • EARLVILLE
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In this issue…Your free ‘Pension Health Check’ – valued at $250
Investment update
What this means for your pension
ChangingGearYour pension news January, Issue 2
Get a free ‘Pension Health Check’We know that current financial uncertainty has many of our members questioning their retirement plans and wondering if they should be doing anything differently when it comes to their super.
The ‘Pension Health Check’ is a no-cost, no-obligation telephone-based discussion with a professional financial adviser from Money Solutions (AFSL 258145).
During your ‘Pension Health Check’ Money Solutions will:
4 Crunch the numbers so that you know how long your pension will last
4 Help you understand what the volatile market means for you
4 Give you strategies that will help you in managing your pension
The ‘Pension Health Check’ is provided to you in addition to your free single-issue superannuation advice phone call to Money Solutions.
A representative from Money Solutions will be contacting you shortly regarding your ‘Pension Health Check’. Call us on 1800 222 071 if you would like to know more, or to let us know if you do not want to take up the offer.
Money Solutions offers independent financial advice that is designed to suit your needs and circumstances. There is no agenda, or obligation for you to seek further advice or commit to a financial plan. We do not pay any commissions to Money Solutions.
The Trustee is not responsible for, and does not accept liability for, the products or services or actions of Money Solutions. You should use your own judgement before taking up any product or services offered by Money Solutions.
VALUED AT
$250FREE ‘Pension Health Check’
Extreme market volatility has continued despite decisive action locally and globally to stabilise the impact of the credit crunch on financial markets.
Panic selling and price instability has made the last few months extremely difficult for investors.
Domestically, the RBA has taken dramatic steps to support the Australian economy by cutting official interest rates by 3% over the last four months, much of which has been passed on to homeowners.
While it is disconcerting to experience the rollercoaster ups and downs of volatile markets, it’s important to keep the performance of your pension in context. The four years ending 30 June 2007 delivered
bumper performance to Australian investors and super funds — so much so, that we are now used to high double-digit returns. Faced with the shock of negative performance, it’s natural to be disappointed.
The key for sound investing is to understand that negative years are a completely normal part of the investment cycle, even if the current performance is worse than we have been used to in recent years.
Remember, investing your super is a constant trade-off between risk and return. It’s important not to lose perspective and make knee-jerk decisions about your long-term finances, even in retirement.
Visit www.transpension.com.au to read more about volatile markets and the investment cycle.
Negative returns mean that pension accounts invested in our Balanced or Equity Plus investment options have decreased in value this year, instead of growing.
This will have implications on your regular pension payments, because a lower total balance means that your minimum payment limit (and maximum payment limit if you have one) will change.
These limits change regularly because you are drawing down on your pension capital by taking regular payments. The change in your pension payment limit may, however, be more noticeable now than it has been previously and the new limits will mean that your pension payments will be smaller than they would be if your investment options had recorded a positive return.
The personal information that TransPension collects is used to administer and correspond with you in relation to your super account, process your application and request, pay your benefits under TransPension and conduct research about how to improve our services and products.
We may arrange to provide other services to you. These services may include information on other products. TransPension may arrange for a financial planner to contact you to offer to assist you with your financial planning in relation to your superannuation.
We may arrange for a service provider or the Australian Tax Office (ATO) to cross-match your personal details with other superannuation funds to help locate any other superannuation accounts in your name. If you choose not to give us your personal information, or provide us with incomplete or inaccurate personal information, we may not be able to provide you with all the benefits of TransPension and may not be able to process your claim or pay any benefits.
Unless required or authorised by law, we will only provide your personal information to authorised advisers, service providers, such as the insurer or the Fund’s administrator, or government agencies that use the information to administer your account and provide services to you or to the Trustee relating to your TransPension account.
You are able to gain access to your personal information or get a copy of the Fund’s Privacy Policy by asking for it. If you would like to request access to the personal information we hold about you, or want further information on how we handle personal information, please contact the Trustee (TWU Nominees Pty Ltd) using the contact details below.
Investment update
What this means for your pension
Issued by TWU Nominees Pty Ltd, ABN 67 002 835 412, AFSL No 239163, Registrable Superannuation Licence No. L0000246, as the trustee of TWUSUPER (Registration No. R1000283). TransPension is a division of TWUSUPER.
Contact TransPension
Phone 1800 222 071 Email [email protected] visit www.transpension.com.au
TWUS
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TA/CH/GR 577.7 ISS2
SIMPLE SOUND STRONG4 Run only to profit
members
4 Competitive fees
4 Solid performance
4 No commission to financial advisers
4 Straightforward investment choice
4 Platinum rated super
Investment markets deliver a bumpy ride.In tough times, the benefits of being part of an industry super fund are even more important.
DTZ AustraliaInternational Property Advisers
Level 6, 35 Spring Street, Melbourne
03 9654 3388
348 Orrong Road, Caulfield Nth 316103 9526 1999
231-235 SMITH STREET, FITZROY (CNR MOOR STREET)
AS GOOD AS CHAPEL STREETAT HALF THE PRICE!
WEDNESDAY 17 APRIL AT 2PM ON-SITE
AUCTION
231-235 Smith Street, Fitzroy (cnr Moor Street)• Four retail tenancies, two upper floors
and basement.
• Net income $110,000 p.a. approx.
• Building area 1,650 sq metres approx.
• Potential for subdivision subject to council approval (STCA).
• One title
• Sensational corner city fringe location,close to four major banks.
Smith Street - view from Johnston Street
Smith Street - view from Johnston Street
Smith Street - view from Gertrude Street
SMIT
H ST
REET
GERTRUDE STREET
VICTORIA STREET
WEBB STREET
LANGRIDGE STREET
231-235
NAPI
ER S
TREE
T
AUCTION Wednesday 17 April at 2pm on-site
DTZ AustraliaInternational Property Advisers
Level 6, 35 Spring Street, Melbourne
03 9654 3388
Gary Peer 0414 532 778Phillip Kingston 0414 353 547
Michelle Long 0418 323 102Rudy Kelemen 0419 558 803
w w w. d t z . c o m www.garypeer.com.au
CONTACT
All stated dimensions and areas are approximate. Particulars herein are for information only and do not constitute any representation by the owner or agent.
DTZ Australia, in conjunction with Gary Peerand Associates, is delighted to offer for sale byPublic Auction the property at 231-235 SmithStreet, Fitzroy, and encourages purchasers tocapitalise upon this rare “value add”redevelopment opportunity.
Comment:
The ground floor comprises four retailtenancies and the upper floor iscurrently occupied by a restaurant/reception, however, this may besuitable for other uses.
The property enjoys strong pedestrianexposure utilising Smith Street as athoroughfare, linking Victoria Paradeand Johnston Street, and through to the CBD, Eastern and Northernsuburbs.
348 Orrong Road, Caulfield Nth 316103 9526 1999
Showroom
CVA Property Consultants 18-20 Russell Street, Melbourne, VIC, 3000 03 9654 2311
Corner Melton Highway and High StreetMelton Gateway
Corner Melton Highway and High StreetMelton Gateway
Showroom
CVA Property Consultants 18-20 Russell Street, Melbourne, VIC, 3000 03 9654 2311
Melton Gateway> Showroom, trade supplies and fast food
restaurant development
> Prime corner location at entrance to Melton
> Fastest growing local government area in Australia
> Highway exposure with in excess of 25,000 vehicles per day
> Showroom areas from 500m2 to 3040m2
> Air conditioned spaces, covered walkway
> Long leases available
> Completion due November 2007
For LeaseContact:Anthony Carbone 0418 318 633Robert Cubelic 0422 411 597
View property at:Quick search ID: 4263
www.cva.net.au
Join
VR
0049
36
NEW DISTRIBUTION FACILITY – 6,622 sqm96-116 Greens Road, Dandenong
FOR LEASE
000615 Greens Road_DL_v2.indd 1 10/8/07 9:34:06 AM
GREENS RD
M11
FW
Y
PRINCES HWY
POUND RD
MONASH FWY
MELBOURNE CBD
DANDENONG
East
Link
DANDENONG SOUTH
HALLAM
CHELTENHAM RD
Andrew O’Connell 0409 944 220 Email: [email protected] Hegerty 0414 717 555 Email: [email protected]
FOR LEASE
Brand new!• Office area 608 sqm
• Warehouse area 5,977 sqm
• Total building area 6,622 sqm
• Close proximity to all major arterials
• 10 metre springing height
• EFSR sprinkler system
• B double access
The material herein is intended as a guide only, no liability for negligence or otherwise is assumed for the material contained herein by Jones Lang LaSalle, its principal or is servants or its agents. No material contained herein shall form the basis of or be part of any agreement and no warranty is given or implied as to the accuracy of the whole or any part of the material. Prospective tenants should not rely on the material but should make their own enquiries and satisfy themselves of all aspects of the material. Any liability by Jones Lang LaSalle, its principal, its servants or its agents in any way connected with the brochure, whether or not such liability results from or involves negligence, will not exceed $1000.00. JM000618
Graham Josh Kendall 0418 322 443 Email: [email protected] Bond 0419 386 882 Email: [email protected]
000615 Greens Road_DL_v2.indd 2 10/8/07 9:34:07 AM
SALE
FOR SALE
High-tech with street frontageUNIT 2 & 4, 2 SARTON ROAD, CLAYTON
For Sale by EXPRESSIONS OF INTEREST closing xxxx xxxxxx 2007.
joneslanglasalle.com.au
For further details contact:
Ben Hegerty: 0414 717 555
Email: [email protected]
540 Springvale Road, Glen Waverley 03 9565 6666
• Office area: 326sqm
• Warehouse: 500sqm
• Fully partitioned offices
• Carpeted and air-conditioned
• High warehouse
• Two RSDs
• Dual access
• Street frontage
• 12 cars on title
• 40 ft container marshalling area
LEASING
High-tech with street frontage
www.joneslanglasalle.com.au/XXXXXThe marketing agents for themselves and for the owner of the property of whom they act give notice that (i) All information given in relation to this property whether contained in this document of given orally is given without responsibility. (ii) intending purchasers should satisfy themselves as to the truth or accuracy of all information given by their own inspections, searches, enquiries, advises or as is otherwise necessary. (iii) No person in the employment of the marketing agents has the authority to make or give any representation or warranty whatever in relation to this property. Boundaries shown on maps are approximates only. JLS0000103
joneslanglasalle.com.au
0006
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Firefi ghters say: this time VOTE 1
EMERGENCY!
UNIF 27634 Vote Greens A2Port.in1 1 20/11/07 2:54:26 PM
We’re filling the places that count.
w w w . s p o r t e m p l o y m e n t a u s t r a l i a . c o m . a u
emai l : jobs@sportemploymentaustra l ia .com.au
Success in business depends on finding the right person for the job. We understand sport and are the leading organisation specialising in Recruitment and Human Resources for the sporting industry.
TEL: (03) 9620 2766FAX: (03) 9620 2966
TEL: (02) 8920 8660FAX: (02) 8920 8661
TEL: (02) 6282 0808FAX: (02) 6282 0808
SPORT EMPLOYMENT AUSTRALIA
MELBOURNE SYDNEY CANBERRA
The PREMIER OF VICTORIA, the Honourable John Brumby MP, and the MINISTER FOR INNOVATION, Gavin Jennings MLC, with the Business Council of Australia invite you to attend a Forum on the National Innovation Agenda.
This highly focused Forum is an opportunity for all innovation stakeholders to provide input to the direction of the National Innovation Agenda.
Developing a comprehensive and effective National Innovation Agenda requires a collective approach and vision.
The Forum will specifi cally examine the fi ve key areas identifi ed in the National Innovation Agenda Proposal, with specialist workshops focused on prioritising actions for each area.
DATE;
Friday, 12 October 2007
9:00am for a 9:30am start.
The Forum will conclude by 4:00pm.
VENUE:
ANZ Pavillion
Arts Centre Melbourne
100 St Kilda Rd
Melbourne
RSVP:
or call 03 9651 9281
Please RSVP by 14 September, as numbers
are limited for this important event.
BPAY
A quick and easy way to make payments into TWUSUPER
BPAY for members – make voluntary contributions1 Make sure you are registered with your bank
for internet or phone banking.
2 You’ll need TWUSUPER's Biller Code and your own unique Reference Number to direct the money to your account. You only have to get these once – the Biller Code and Reference Number remain the same for future contributions made by you.
You can get these from: MemberAccess on www.twusuper.com.au (To register for MemberAccess call the Customer Service Team on 1800 222 071)
OR
By calling the Customer Service Team: call 1800 222 071.
3 Log in to your bank’s internet banking service, access BPAY and enter the Biller Code, Reference Number and amount you wish to transfer
OR
Use your bank’s telephone banking facility, access BPAY, follow the prompts and enter the Biller Code, Reference Number and amount you wish to transfer.
Your payment will be processed to your account as a member contribution unless you advise us otherwise.
4 Notify us of your payment by completing and returning a Voluntary contribution payment advice form (available to download at www.twusuper.com.au or by calling 1800 222 071).
With Bpay you can make quick and easy payments into TWUSUPER over the phone or online – whenever it suits you.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
BPAY for employers – make SG contributions1 Make sure you are registered with your bank
for internet or phone banking.
2 You’ll need the Biller Code and your own unique Reference Number to direct the money to your account. You only have to get these once – the Biller Code and Reference Number remain the same for future contributions made by you.
You can get these from: Your contribution return form
OR
EmployerAccess on www.twusuper.com.au (You’ll have to register if not already set-up, call the Employer Service Team on 1800 241 877 for a password)
OR
The Employer Service Team: call 1800 241 877.
3 Go to your bank’s internet banking service, access BPAY and enter the Biller Code, Reference Number and amount you wish to transfer
OR
Use your bank’s telephone banking facility, access BPAY, follow the prompts and enter the Biller Code, Reference Number and amount you wish to transfer.
4 You must lodge a record of your payment with us either by EmployerAccess, Contribution return or fax so we know who to allocate your payment to.
✁
Bpay Biller code: 857664
My personal Bpay reference number:
Cut out and keep your Bpay details for future payments.
Please note:No tax deduction can be claimed nor SG obligation met until TWUSUPER receives the payment. TWUSUPER does not receive the payment until it has been processed by the BPAY system. Please ensure you pay the contribution into the BPAY system in sufficient time to allow it to be processed by the BPAY system and credited to our account before the cut-off date. BPAY payments made before 3:00 pm on a working day will have 24 hours turnaround if made via Westpac or 48 hours if made via a different bank. BPAY payments made after 3:00 pm on weekdays will incur an extra 24 hours delay (48 for Westpac and 72 hours for other banks). Delays will also apply if the BPAY payment was made on a weekend or a public holiday. Minimum BPAY payment is $10.00. Maximum BPAY payment is $100,000. Payments from credit cards are not available.
Issued by TWU Nominees Pty Ltd ABN 67 002 835 412, AFSL No 239163, RSE Licence No L0000246. TWU Nominees Pty Ltd is the trustee of TWUSUPER (Registration No R1000283) and the issuer of interests in it.
TWUSUPER Locked Bag 5094 Parramatta NSW 2124 Customer Service Team 1800 222 071 Employer Service Team 1800 241 877 Fax 1300 889 807 For other brochures on TWUSUPER, visit www.twusuper.com.au
TW/BPAY/INF/BRCH 431.9 12/08 ISS2
TWUS
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SALARY SACRIFICEDriving your super forward
The information in this brochure is of a general nature only and is not a comprehensive study. It has been prepared without taking account of any of your objectives, financial situation or needs and, before acting on the information, you should consider its appropriateness having regard to your objectives, financial situation and needs. A copy of the current Product Disclosure Statement should be obtained from us and considered carefully before you make any decision in connection with Transuper.
When TWU Nominees and its representatives provide you with general financial product advice, they do not receive any remuneration (such as commission) or other benefits for providing this advice to you.
TWU Nominees and its representatives do not have any associations or relationships with other entities and persons which may influence the financial services it provides to you.
All the services that TWU Nominees provides are provided in TWU Nominees’ capacity as trustee of Transuper and, accordingly, this will have some influence on the financial services we provide.
Issued by TWU Nominees Pty Ltd ABN 67 002 835 412, AFSL No 239163, RSE Licence No L0000246. TWU Nominees Pty Ltd is the trustee of TWUSUPER (Registration No R1000283). Transuper is a division of TWUSUPER.
Transuper Locked Bag 5094Parramatta NSW 2124Telephone 1800 808 799For other brochures on Transuper, visit www.transuper.com.au
TXVB/SS/Promo 465.1 07/07 ISS3
TWUS
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If salary sacrifice is so good, why doesn’t everyone do it?• For a start, not all employers offer salary sacrifice to
their employees. You should ask your pay office whether salary sacrifice is available and for more details.
• Also, the tax treatment of before-tax and after-tax contributions is different so, in some cases, making before-tax contributions may not suit your investment or taxation strategy. You should seek professional advice.
• The amount and effective rate of super contributions that your employer must make on your behalf (including the required SG amount) may fall after a salary sacrifice unless your employer agrees (through your employment contract), or because the award requires, that contributions are to be made at the pre-salary sacrifice amount. This reduction may occur because the amount of your pay on which super contributions are calculated falls.
So, it is important to confirm that your employer will continue to make super contributions for you based on your pre-salary sacrifice earnings.
• Other benefits that are linked to the amount of your salary (such as annual and long-service leave entitlements) may also be reduced as a result of a salary sacrifice arrangement.
• You should also note that law requires that any contributions you make, whether before-tax or after-tax personal contributions, are preserved, meaning that you cannot generally take these contributions as cash until you reach your preservation age (currently age 55) and permanently retire.
Is there a limit on how much I can salary sacrifice?Yes. The Government imposes a number of restrictions on superannuation contributions. The Government has imposed an annual cap of $50,000 on ‘concessional’ contributions. These include:
• contributions paid by an employer on your behalf;
• salary sacrifice contributions (treated as employer contributions); and
• contributions you make when you are self-employed (or substantially self-employed), for which you have claimed a tax deduction.
Any concessional contributions over the $50,000 cap will be taxed at the highest marginal rate plus Medicare levy. Any amount in excess of the cap will also count towards the separate cap on non-concessional contributions. A transitional concessional cap of $100,000 applies to members aged 50 and older until 30 June 2012.
Note that there may be other limits on how much of your pay can be salary sacrificed (eg award minimum pay rates).
Interested? Need a form? As each employer is different, you will need to discuss salary sacrificing with your pay office. If you need it, there is a Salary Sacrifice Arrangement Agreement available from Transuper to help you come to an arrangement with your employer. Visit www.transuper.com.au or contact the Customer Service Team on 1800 808 799.
Need some help?Our Client Relations Team can help you with questions and filling out forms. Find your nearest one by calling 1800 808 799.
What’s the next step?The tax implications of making salary sacrifice contributions can be quite significant so we recommend you seek professional advice.
You can access straightforward professional advice about salary sacrificing into super from Money Solutions on a flat fee-for-service basis. Money Solutions offer phone-based advice so you don’t have to make an appointment. Call us on 1800 808 799 and we’ll put you through to your own Money Coach.
The Trustee is not responsible for and does not accept liability for the products or services or actions of Money Solutions. You should use your own judgment before taking up any product or services offered by Money Solutions.
For a comfortable retirement, the experts say that you’ll probably need around 60% to 70% of your annual working income.While the Superannuation Guarantee contributions (9%) your employer must make for you are a good start, they may not be enough. You can improve your chances for a comfortable retirement by topping up your super account with your own money – called ‘personal contributions’.
What are my options for making personal contributions?After-tax contributions (Non-concessional contributions)All Transuper members can make contributions from after-tax salary as either a regular deduction from your net pay, as a direct debit from your bank account, by cheque or Bpay®.
Before-tax (salary sacrifice) contributions (Concessional contributions)If your employer agrees, you may be able to make contributions from your before-tax salary. This is also known as making salary sacrifice contributions. Salary sacrifice contributions must be pre-arranged through your pay office as a deduction from your gross (before-tax) pay.
You should contact your pay office to confirm whether salary sacrifice is available and for further details.
Salary sacrifice contributions can increase your take-home pay!The following example assumes an annual income of $48,000 based on 2007/2008 tax rates. Let’s say you are already contributing $200 a month to Transuper from your after-tax pay and you want to know what would happen if you switch to before-tax contributions.
Let’s assume your gross monthly pay is $4,000 and your marginal tax rate is 31.5% (including 1.5% Medicare levy).
As the following example shows, by switching from after-tax to before-tax contributions, you can increase your monthly take-home pay by $63.
How does take-home pay change?
Salary sacrifice can be a tax-effective way of investing more money in your super.What are the key tax differences?
15% super tax versus up to 46.5% income tax!Salary sacrificing means you forego part of your salary in exchange for your employer making additional super contributions on your behalf.
You pay no income tax on these contributions because they are deducted from your gross pay. But you do pay contributions tax of 15% (deducted from your Transuper account).
For most people, 15% contributions tax is a more generous alternative than income tax, which is usually somewhere between 31.5% and 46.5% (including the Medicare levy). Note that you may also need to take into account the tax payable (if any) when you withdraw your super.
Why we need your Tax File Number (TFN)Under the Superannuation Industry (Supervision) Act 1993, your superannuation fund is authorised to collect your TFN, which will only be used for lawful purposes.
These purposes may change in the future as a result of legislative change. The trustee of your superannuation fund may disclose your TFN to another superannuation provider, when your benefits are being transferred, unless you request the trustee of your superannuation fund in writing that your TFN not be disclosed to any other superannuation provider.
It is not an offence not to quote your TFN. However giving your TFN to your superannuation fund will have the following advantages (which may not otherwise apply):
• your superannuation fund will be able to accept all types of contributions to your account/s;
• the tax on contributions to your superannuation account/s will not increase;
• other than the tax that may ordinarily apply, no additional tax will be deducted when you start drawing down your superannuation benefits; and
• it will make it much easier to trace different superannuation accounts in your name so that you receive all your superannuation benefits when you retire.Calculate the difference online!
The Government has a calculator online that can show you the difference at retirement if you make voluntary personal contributions to your super account. Visit www.fido.gov.au and click on ‘Calculators’.
After-tax contributions
Gross pay $4,000
Less income tax -$760
Net income $3,240
Less after-tax contribution -$200
Take-home pay $3,040
Before-tax (salary sacrifice) contributions
Gross pay (before salary sacrifice) $4,000
Less before-tax contribution -$200
Taxable income $3,800
Less income tax -$697
Take-home pay $3,103
After-tax contributions (Non-concessional contributions)
• You pay income tax at your marginal rate on your earnings before making your contribution.
• No tax is payable on the contribution to Transuper.
• No tax is payable on withdrawal of the contributions.
Before-tax (salary sacrifice) contributions (Concessional contributions)
• You pay no income tax on the contribution because it comes out of your gross pay.
• Tax is payable on the contributions to Transuper (deducted from your Transuper account) at a rate of 15%.
• Between ages 55 and 60, concessional contribution withdrawals over $145,000 are taxed at 15% plus Medicare levy. Concessional contribution withdrawals under $145,000 are not taxed.
• Once you are aged 60 and over, no tax is payable on withdrawal.
® Registered to BPAY Pty Ltd ABN 69 079 137 518. Call the Customer Service Team on 1800 222 071 to register for BPAY.
ABOUT TWUSUPERSimple, sound and super strong
We can come to you (for free)
MembersContact your local Client Relations Officer to arrange a free visit to your home or workplace.
NSW/ACT Michael Galey 02 9912 0730 or 0408 303 611 [email protected]
Rodney Nyols 02 9912 0710 or 0417 213 063 [email protected]
VIC/SA/TAS/NT Stephen Shelton 03 9635 5962 or 0417 203 820 [email protected]
Lou Stepanoski 03 9635 5963 or 0408 294 937 [email protected]
QLD/WA Yvonne Jones 07 3324 0487 or 0418 218 655 [email protected]
EmployersTo arrange a workplace visit or member seminar (both are free services), please contact your local Business Development Consultant.
NSW/ACT Michael Darmanin 02 8893 1238 or 0447 668 005 [email protected]
VIC/SA/TAS/NT Theo Retsinas 03 9646 8590 or 0418 547 742 [email protected]
QLD/WA Graham Parsons 07 3324 1647 or 0402 039 179 [email protected]
The industry super fund for transport and logistics.TWUSUPER has come a long way since 1984 when it was established as the national superannuation fund for employees in the transport and logistics industry.
We are also open to employees and employers in any industry, as well as people wishing to join as individual members.
TWUSUPER – run only to profit members
TWUSUPER is run by a Trustee, which means profits go to our members and not to shareholders.
As an industry super fund, TWUSUPER does not pay commissions to financial advisers.
Issued by TWU Nominees Pty Ltd ABN 67 002 835 412, AFSL No 239163, RSE Licence No L0000246. TWU Nominees Pty Ltd is the trustee of TWUSUPER (Registration No R1000283).
TW/PROMO/BK 226.9 09/07 ISS5
TWUSUPER – for employers
Easy paymentTWUSUPER offers you flexibility and convenience in processing and paying contributions for your employees.
You can submit your monthly contributions in one of three ways:
1. online via EmployerAccess, our secure employer portal. Payment can be made by direct debit or Bpay® from your bank.
2. by email and electronic data transfer. Payment can be made by cheque, Bpay® or electronic funds transfer, or
3. on paper, by completing a contribution return. Payment can be made by cheque or Bpay®.
Ask us for a copy of our E-business booklet. It details all of your contribution payment options.
Your contacts at TWUSUPERTWUSUPER is here to help you. If you have a question about your TWUSUPER account, super in general, or choice of fund, talk to us.
Members Employers
Customer Service Team 1800 222 071 1800 241 877
Email [email protected]
Website www.twusuper.com.au
® Registered to Bpay Pty Ltd ABN 69 079 137 518
TWUS
289
15
TWUSUPER – for membersKeeping investment choice simpleIf you have $1,000 or more in your account and want to choose how it is invested, TWUSUPER offers three investment options – Cash Plus, Balanced and Equity Plus. You can choose one option or a mix that suits you. Until you make an investment choice, your super will be invested in our Balanced investment option.
Competitive investment returnsTWUSUPER has a track record of solid investment performance. Super is a long-term investment, so performance should always be considered over a minimum of 3 to 5 years.
TWUSUPER’s performance to 30 June 2008*
Crediting rate % pa
Year Equity Plus Balanced Cash Plus
10 years 7.4* 7.5 4.5*
5 years 11.7 9.5 3.9
3 years 8.9 7.5 4.0
1 year -9.8 -6.6 3.1
*Our Equity Plus and Cash Plus investment options were established in 1999. Therefore, the Equity Plus ‘10 year’ compound average rates is calculated over 9.75 years, and Cash Plus over 9 years.
Insurance coverHaving quality insurance cover is important, so make sure you know what you are automatically covered for when you join the Fund, and look into extra cover for even more peace of mind. TWUSUPER offers a range of flexible insurance options to members at competitive prices.
Eligible members receive basic death, terminal illness and total and permanent disablement (TPD) cover when they join the Fund.
You can also top-up your cover with voluntary death and terminal illness cover, or voluntary death, terminal illness and TPD cover. We also offer income protection insurance.
SimpleWe know that super can be complex. From joining the Fund, choosing an investment, to rolling your super together, we aim to make it easy to get your super under control. Our people go the extra mile to visit members and employers in person, so that they can answer questions and help you complete forms and paperwork. It’s all part of helping you make the most of super.
SoundSuperannuation law and our own internal management systems ensure that TWUSUPER and our service providers focus on best practice in business conduct, quality control, risk management, investment monitoring and compliance.
StrongWith $2.3 billion under management, TWUSUPER is big enough to negotiate lower fees and excellent benefits for members. Being strong is not just about financial strength. It’s also about strength in making decisions with your needs in mind. As an industry super fund, we stand by our members, by keeping our fees low and not paying commissions to advisers.
3 131,624 members
3 15,789 employers
3 $2.3 billion in assets at June 30 2008
3 Easy administration
3 Personal help when you need it
3 Online tools for managing super
TWUSUPER is the industry super fund for transport and logistics. We are run only to profit members.
The information in this brochure is of a general nature only and any advice is general advice and is not a comprehensive study. It has been prepared without taking account of any of your objectives, financial situation or needs. Before acting on the information, you should consider its appropriateness having regard to your objectives, financial situation and needs. You may wish to seek professional advice when doing this. A copy of the current Product Disclosure Statement should be obtained from us and considered carefully before you make any decision in connection with TWUSUPER.
When TWU Nominees and its representatives provide you with general financial product advice, they do not receive any remuneration (such as commission) or other benefits for providing this advice to you.
TWU Nominees and its representatives do not have any associations or relationships with other entities and persons which may influence the financial services it provides to you.
All the services that TWU Nominees provides are provided in TWU Nominees’ capacity as trustee of TWUSUPER and, accordingly, this will have some influence on the financial services we provide.
Contact TWUSUPER Locked Bag 5094 Parramatta NSW 2124 Telephone 1800 222 071
To learn more about TWUSUPER visit www.twusuper.com.au
Professional advice can mean safer superToo young to plan for your retirement, or think you left it too late?
Think again. Planning ahead is always worthwhile, and it can make a big difference down the road. As a member of TWUSUPER, you are entitled to a FREE (no cost, no obligation) single-issue superannuation advice phone call with Money Solutions*.
Money Solutions can help you make the most of the earning power of your super now, so you can enjoy the benefits later.
Just like TWUSUPER, Money Solutions does not take commissions. Advisors work on a flat fee-for-service basis – so you know that they are focused on recommending strategies that work for you.
Super for lifeTWUSUPER has a super solution to suit your needs.
You can stay with us when you change jobs or leave the transport and logistics industry, or even when you retire.
Access to low-cost banking productsTWUSUPER’s association with Members Equity Bank* means that you have access to a range of competitive banking products, including:
• low-interest home, business and personal loans
• a low-interest credit card.
Call Members Equity Bank on 131 563.
*The Trustee is not responsible for and does not accept liability for the products or services or actions of Money Solutions or Members Equity Bank. You should use you own judgement before taking up any product or service offered by Money Solutions or Members Equity Bank.
AGENT ______________________________________________________________ Attention: ________________________
ADDRESS _______________________________________________________________________________________________
_______________________________________________________________________________________________
_______________________________________________________________________________________________
_______________________________________________________________________________________________
Telephone: ___________________ Fax: ____________________ Email: ____________________________________
VENDOR _______________________________________________________________________________________________
ADDRESS _______________________________________________________________________________________________
_______________________________________________________________________________________________
_______________________________________________________________________________________________
_______________________________________________________________________________________________
Telephone: ___________________ Fax: ____________________ Email: ____________________________________
_______________________________________________________________________________________________
PROPERTY _______________________________________________________________________________________________
DETAIL _______________________________________________________________________________________________
_______________________________________________________________________________________________
TYPE OF ENGAGEMENT:
General Sale Exclusive Sale AuctionComplete Schedule A Complete Schedule B & C Complete Schedule B & C
Property is being sold with vacant possession OR subject to tenancy
Upon payment of full purchase price OR full deposit OR the sum of $ __________________
Vendors Asking Price $ ___________________________ payable in ____________ days
Agents Estimate of Selling PriceNote: this is the Agent’s opinion and is not a valuation. If a price range is specified, the difference between the upper and lower amounts cannot be more than 10% of the lower amount.
$ ______________________ or between $ ____________________ and $ ____________________
Commission $ ______________________ plus GST $ ____________
= $ ______________________
Dollar amount of Plus if sold at Estimated Commission $ ______________________ GST of $ ___________________ a price of *$ ___________________
Marketing Expenses (plus GST)
Advertising $ ______________Other expenses $ ______________+ GST $ ______________TOTAL $ ______________
Date of this Agreement: ______ /_______ / ___________
Signed by or for the Agent: _________________________ Signed by or for the Vendor: _____________________________
VICTORIAN REAL ESTATE DIVISIONReal Estate Sale Engagement
Particulars of Engagement
The Vendor acknowledges having been informed by the Agent, before signing this Authority, that the Agent’s Fees and the Marketing Expenses are subject to negotiation.
Or calculated as follows
Plus GST
IMPORTANT NOTICE FOR VENDORS
A rebate includes any discount, commission, or other benefit, andincludes non-monetary benefits. It is illegal for an Agent to keep anyrebate they receive for advertising or other outgoings purchased bythe Agent on you behalf. Section 48A of the Estate Agents Act 1980requires the Agent to immediately pay you any rebate they receive inrelation to the sale of your property.
General Conditions1. Meaning of Expressions - unless inconsistent with the context, the following definitions apply to this Engagement which includes any attachments.
1.1 “Act is the Estate Agents Act 1980 (as amended).
1.2 “Agent” includes any licensed agent or any agent’s representative employed by the Agent.
1.3 “Engagement” includes “agreement” and/or “authority” and the words “appoint” and/or “appointed” shall have corresponding meanings in the same situations.
1.4 “Binding Offer” is an offer on the terms set out in the Particulars of Engagementt which, if obtained in compliance with this Appointment,would (or does) result in a contract enforceable against the Purchaser.
1.5 “Introduced to the Property” means that the person was made aware that the Property was available to purchase irrespective fromwhatever source. Without limiting the foregoing a person shall be deemed to have been introduced to the Property by the Agent if theperson became aware that the Property was available for purchase as a result of viewing, hearing or reading any advertisements ofwhatever nature or medium or any boards, placards, or other literature referring to the availability of the Property that were connected tothe Agents in any way.
1.6 “Person” includes a corporation, institution, unincorporated body, incorporated association and any group of persons and/or any agent orassociate of a person or any person appointed by the original person to take the place of the original person.
1.7 “Price” means the Price at which the Vendor signs a Contract of Sale to sell the Property
1.8 “Professional Fees” are the total of the “Agent’s Commission” and the “Marketing Expenses” (as duly authorised and expended).
1.9 “Property” means “Real Estate” as defined in Section 4 of the Act.
1.10 “Purchaser” means the person to whom the Property is sold.
1.11 “Sale” is the result of obtaining a Binding Offer and “sell” and “sold” have corresponding meanings in the same situations.
1.12 “Professional Fees” are the total of the “Agent’s Commission” and the “Marketing Expenses” (as duly authorised and expended).
1.13 “Property” means the “Real Estate” as defined in Section 4 of the Act.
1.14 “Purchaser” means the person to whom the Property is sold.
1.15 “Sale” is the result of obtaining a Binding Offer and “sell” and “sold” have corresponding meanings in the same situations.
1.16 “Taxes” (define)
2. 2.1 The Agent is irrevocably authorised to deduct from any deposit monies received all Professional Fees properly incurred by the Agent andany State or Federal Taxes required to be deducted by law, including (but not limited to) any goods and services tax or otherconsumption tax. This authorisation may only be modified with the written consent of the Agent.
2.2. If the Property is sold and no deposit is received by the Agent the Vendor will pay the Professional Fees on demand including any Stateor Federal Taxes, including (but not limited to) any goods and services tax or other consumption tax.
2.3. Marketing Expenses will be payable to the Agent upon demand. Upon the conclusion of this Agreement, the Agent will provide the Vendorwith an itemised list of the Marketing Expenses and Taxes expended or payable.
2.4. If this Authority requires the Vendor to pay reimburse or contribute to an amount paid or payable by the Agent in respect of an acquisitionfrom a third party to which the Agent is entitled to an input tax credit (as defined in the GST legislation) the amount for paymentreimbursement or contribution will be the GST exclusive value of the acquisition by the Agent plus the GST payable in respect of thatsupply but only if the Agent’s recovery from the Vendor is a taxable supply under the GST legislation.
4. Agent’s Entitlement to CommissionAgent’s Fees will be payable by the Vendor upon the Sale of the Property by the Agent or where the Agent is the effective cause of the sale bythe Vendor to the Purchaser (but not if another agent holds an exclusive engagement at the time of the Sale and that authority provides that theVendor is liable to pay Professional Fees).
5. The Estimated Selling Price is given in accordance with Section 47A of the Estate Agents Act 1980 and is the amount the Agent or the Agent’sRepresentative believes, on the basis of his or her experience, skills and knowledge, that a willing but not anxious buyer would pay for the realestate. If a price range is give, it is the range within which the amount is likely to fall. The Estimated Selling Price is an estimate only and is not avaluation. If a price range is given, the difference between the upper and lower limits of the range must not exceed 10% of the amount of thelower limit of the range. Nothing in the Act requires the Agent’s Estimated Selling Price and the Vendor’s reserve or asking price to be the sameamount. Penalties apply to an Agent or Agent’s Representative making false representations as to their estimate of the selling price.
6. Making of ComplaintsAny complaint relating to commission or outgoings can be made to the Director of Consumer Affairs Victoria (CAV), Level 3/452 Flinders Street,Melbourne, Victoria, 3000. Telephone (030 9627 6051.
5. If this Appointment is made by a mortgagee for an auction which is cancelled
5.1 Within fourteen (14) days from the date of this Appointment the Vendor will pay the Agent the total of the Marketing expenses and onequarter (1/4) of the Agent’s Fees payable on:
5.1.1 any price set out, or
5.1.2 the amount owing to the Vendor under the mortgage whichever is the higher sum.
5.2 after fourteen (14) days from the date of this Appointment but on or before the Auction Date the Vendor will pay the Agent the total of theMarketing Expenses plus the Agent’s Fees calculated in the manner referred to in sub-clause 5.1
6. At the request of the Vendor, the Agent may sign on behalf of the Vendor, a Contract of Sale which contains the terms of sale agreed to by the Vendor.
Exclusive Engagement
7.1 “Continuing Engagement Period” means the stated number of days (if any) listed as the Continuing Engagement Period in the Particulars ofAppointment which period commences immediately upon the expiry of the Exclusive Authority Period.
7.2 “Exclusive Authority Period” means the stated number of days listed as the Exclusive Engagement Period in the Particulars of Appointmentcommencing from the Auction Date.
7.3 The Vendor reserves the right to refuse any Binding Offer made between the date of this Engagement and the date of the auction by any personto purchase the Property and the Vendor will not be liable for the Agent’s Fees if the Vendor refuses the offer between those dates even if theAgent may have “sold” the Property within the definition of that word.
SCHEDULE A - General Engagement
Agent’s Entitlement to Commission.Agent’s Fees will be payable by the Vendor upon the Sale of the Property by the Agent or where the Agent is the effective cause ofthe sale by the Vendor to the Purchaser (but not if another agent holds an exclusive authority at the time of the Sale and that authorityprovides that the Vendor is liable to pay Professional Fees).
SCHEDULE B - Exclusive Sale and Exclusive Auction Engagements
Exclusive Days from the date Continuing Days from the end of the Authority Period of this Agreement Authority Period Exclusive Authority Period
Agent’s Entitlement to Commission.1. The Agent will endeavour to sell the Property in consideration for which the Vendor agrees to pay the Agent the Agent’s
Commission on the terms of this Authority if the Property is sold.(i) during the Exclusive Authority Period by the Agent or by any other person (including the Vendor or another Agent) for the
Price and upon the above conditions; or(ii) during the Continuing Authority period by the Agent; or(iii) to a person introduced to the property by the Agent before the Vendor signed this appointment; or(iv) within 120 days after the expiration of the Exclusive Authority Period for the Price to a person introduced to the property by
the Agent within the Exclusive Authority Period and to whom, as a result of the introduction, the Property is sold.
Items 1 (ii), (iii) and (iv) shall not apply where the Vendor has incurred a liability to pay Agent’s Commission under any ExclusiveAgency agreement signed by the Vendor with another Agent after the expiration of the Exclusive Authority Period.
Continuing Authority Period.If the property is not sold during the Exclusive Authority Period and a Continuing Authority Period is stated in the Particulars ofAppointment then the Vendor appoints the Agent to sell the property on a Non-Exclusive Agency basis for the period stated in theContinuing Authority Period.
The Vendor may terminate or delete the Continuing Authority Period at any time by written Notice to the Agent. Agents Entitlement to Commission is still applicable to this Authority even if the Continuing Authority Period does not apply or ceases.
In consideration of the Agent agreeing to endeavour to sell the property the Vendor will pay the Agent the Agent’s Commission if theProperty is sold by the Agent for the Price at any time during the Continuing Authority Period except where the Vendor has incurred aliability to pay the Agent’s Commission under any Exclusive Agency agreement signed by the Vendor with another Agent after theexpiration of the Exclusive Authority Period shown in this Authority.
If no Continuing Authority Period is stated in the Particulars of Appointment the Authority lapses (subject to Item 1 (ii), (iii) and (iv)above) at the expiration of the Exclusive Authority Period shown in this Authority.
SCHEDULE C - EXCLUSIVE AUCTION ENGAGEMENTS
Auction Date / / Time of Auction am / pm
RulesThe Vendor agrees the only rules that will apply to the conduct of the auction shall be the Rules set out in Schedule 1 of the Sale ofLand Regulations 2004, or any rules prescribed by regulation which modify or replace those Rules.
Vendor or Dummy BiddingThe vendor acknowledges being made aware by the Agent that it is an offence under the Sale of Land Act 1962 for the Agent or the Vendor, or any other person on behalf of the Vendor, to engage in undisclosed vendor bidding or to procure the services of a dummy bidder.
The Vendor acknowledges the Vendor’s obligations relating to dummy bidding and will not breach these obligations.
Authority PeriodSection 54(1) of the Estate Agents Act 1980 provides that:
If an agreement stating that an estate agent is to act as the sole agent for the sale of any real estate or business does not state whenthe sole agency is to end, the sole agency ends:(a) in the case of a sale by auction, 30 days after the date of the auction.(b) In any other case, 60 days after the date the agreement is signed by, or on behalf of, the seller of the real estate or business.
Signed by or for the Agent: _________________________ Signed by or for the Vendor: _____________________________
VICTORIAN REAL ESTATE DIVISIONReal Estate Sale Engagement
VICTORIAN REAL ESTATE DIVISIONReal Estate Sale Engagement
Level of ServiceThe Vendor acknowledges that the level of services to be provided by the Agent has been negotiated and is *attached or *as follows(*delete, if does not apply).
__________________________________________________________________________________________________________
__________________________________________________________________________________________________________
Notice of Commission Sharing (if applicable)
IMPORTANT NOTICE FOR VENDORSIf the Agent has agreed to share the Commission that will be payable for selling your property, you must be given this Notice ofCommission Sharing before you sign this Authority. This Notice shows details of all other people who will share in the Commission.
Vendor Acknowledgements
1. The Vendor is obliged to pay the Agent:
(a) the Marketing Expenses incurred during the currency of this Agreement WHETHER OR NOT A SALE TAKES PLACE.
(b) The Marketing Expenses * upon signing this Authority
OR * upon written demand
2. The Vendor is obliged to pay the Agent the Agent’s Commission in accordance with Item 1 if the Vendor sells the property duringthe Exclusive Authority Period (if applicable).
3. The Vendor signed this Agreement before signing binding Contract for the sale of the Property.
4. When signing this Agreement the Vendor received a counterpart from the Agent.
*complete as appropriate whenever asterisk (*) appears
Sales Agreements Privacy Act (Commonwealth) 1988Collection Notice
Your Estate Agent uses personal information collected from you in order to act as your agent and to perform the Agent’s obligationsunder this Agreement. Your Agent may also use such information collected to promote their services and/or seek potential clients.
Your Estate Agent may disclose such information by use of the internet or otherwise, to other parties including media organizations,potential buyers, clients of the Agent (both existing and potential), parties engaged to evaluate the property or business (as the casemay be), solicitors, tradespeople, bodies corporate, financial institutions, government and statutory bodies, and third parties asrequired by law.
Your Agent will only disclose information in this way to other parties as required to perform their duties under this Agreement, toachieve the purposes specified above, or as otherwise allowed under the Privacy Act.If you would like to access this information, you can do so by contacting your Agent at the address and contact numbers contained inthis Agreement. You can also correct this information if it is inaccurate, incomplete or out of date.Real Estate and Tax law requires some of this information to be collected. If the information is not provided, your Agent may not beable to act effectively on your behalf, or at all.
Signed by or for the Agent: _________________________ Signed by or for the Vendor: _____________________________
Name and Address of Person with whom Commission is to be shared
Description of such person
Amount or Proportion of Commission to be shared
$ / %
$ / %
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Sheer IndulgenceMothers deserve all the luxuries life can offer.
So whether you are a mother, or you have one, indulge yourself, or her, in Sensé’sGentle Daily cleanser, Hydrating Toner, Daytime Protective Emulsion, and NightRenewal, all packaged in a frosted presentation bag.RRP AUST: $160.00RRP NZ: $213.19
External NurturingCelebrate motherhood and nurture your mother with Serum Intensive and Eye Nourisher,in a frosted presentation bag. These are little pleasures every mother will cherish.
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When did science get so beautiful?How did skincare get so intelligent?
Fax or email this entry to win a WEEKLY DRAW for a Free In-Home Facial and an opportunity to win a Complete Facial Care Deluxe Package.
Name:
Address:
Suburb: Postcode: State:
Phone:
Please Send Entry form to:
XXXXXXXXXXXX
The more superannuation accounts that you have, the more fees you pay and the harder it is to keep track of your savings.
Pull all your super together and cut the fees by completing the attached form. Then leave it to us. We will organise for your other super to be rolled into your legalsuper account.
legalsuper – your smart super option:n a specialist fund for the legal professionn competitive long-term returnsn a range of nine investment optionsn straightforward, competitively priced insurancen good value from low feesn super that you can take with you throughout
your career
3 simple stepsStep 1: complete Sections 1, 2 & 4 of the attached
Transfer of Superannuation into legalsuper formStep 2: tear off the form, moisten the edges and
fold as indicatedStep 3: put the form in the mail (no stamp required)
We do the work for youWe will then contact your other super fund and organise the closure of your account with them and for its transfer to legalsuper.*
legalsuper will write to you confirming when we have received the transfer. We will invest the transferred amount in the same way as your current legalsuper account unless you request otherwise.
If you have more than one fund that you’d like to transfer, either photocopy this form or call legalsuper on 1800 060 312 and we’ll send you another form.
$AVE fees. Simple. $$
* Note: You should consider any implications before instructing another super fund to transfer your account into legalsuper. By closing the account, you are likely to forfeit any insurance cover available in the other fund. Some funds may also charge you an exit fee.
Streamline super.Save fees.Simple.
It’s easy to streamline
all of your super
with legalsuper
mo
iste
n h
ere
moisten heremoisten heremoisten here moisten here
•P
lea
sec
om
ple
tea
se
pa
rate
form
fore
ac
hfu
nd
.•
We
will
co
nfir
mw
he
ny
ou
rtra
nsf
erh
as
be
en
rec
eiv
ed
by
leg
als
uper
.•
Att
ac
ha
co
py
ofy
ou
rDriv
er’
sLi
ce
nc
eo
rph
oto
/de
tails
of
you
rpa
ssp
ort
.
1. C
urre
nt p
erso
nal d
eta
ilsle
ga
lsup
er M
em
be
rshi
p N
umb
er
Emp
loye
r Na
me
Mr
M
rs
M
s
M
iss
D
r
Surn
am
e
Giv
en
Na
me
s
Da
te o
f Birt
h (d
d/m
m/y
yyy)
Stre
et/
Uni
t No
.
St
ree
t Na
me
Sub
urb
/To
wn/
City
Sta
te
Post
cod
e
Te
lep
hone
(w
ork
)
Te
lep
hone
(ho
me
)
Te
lep
hone
(m
ob
ile)
Ema
il
Occ
upa
tion
2. D
eta
ils o
f oth
er F
und
Ire
qu
est
tha
tbe
ne
fits
he
ldin
my
pre
vio
us
sup
era
nn
ua
tion
ac
co
un
t(a
sn
ote
db
elo
w)
be
tra
nsf
erre
dto
leg
als
uper
.
Na
me
of S
upe
rann
uatio
n Fu
nd
(fro
m w
here
my
sup
er i
s to
be
tra
nsfe
rred
)
Sup
era
nnua
tion
Fund
tele
pho
ne n
umb
er
N
am
e o
f Ad
min
istra
tor o
f pre
vio
us S
upe
rann
uatio
n Fu
nd
Prev
ious
Fun
d S
tree
t Ad
dre
ss/P
O B
ox
Num
be
r
Sub
urb
/To
wn/
City
Sta
te
Post
cod
e
M
em
be
rshi
p N
umb
er i
n p
revi
ous
Sup
era
nnua
tion
Fund
Ap
pro
xim
ate
va
lue
of b
ene
fit
$.
Na
me
of e
mp
loye
r co
ntrib
utin
g to
the
pre
vio
us S
upe
rann
uatio
n Fu
nd
Da
te le
ft e
mp
loye
r (d
d/m
m/y
yyy)
3. M
ana
gem
ent o
f Per
sona
l Inf
orm
atio
nTh
ep
ers
on
ali
nfo
rma
tion
tha
tyo
uh
ave
pro
vid
ed
on
this
form
will
be
u
sed
totr
an
sfe
ryo
urn
om
ina
ted
be
ne
fitto
leg
als
uper
. leg
als
uper
will
a
lsou
seth
isin
form
atio
nto
ve
rify
tha
tth
ep
ers
on
ali
nfo
rma
tion
tha
tit
alre
ad
yh
old
sis
co
rrec
t.If
you
do
no
tpro
vid
eth
ein
form
atio
n,
leg
als
uper
will
no
tbe
ab
leto
pro
ce
ssy
ou
rre
qu
est
.
Bys
en
din
gle
ga
lsup
erp
ers
on
ali
nfo
rma
tion
ab
ou
tyo
urs
elf,
yo
ua
gre
e
tha
tyo
uh
ave
rea
dle
ga
lsup
er’s
Po
licy
for m
an
ag
em
en
t of p
ers
on
al
info
rma
tion
an
du
nd
ers
tan
dh
ow
leg
als
uper
use
sa
nd
disc
lose
sth
e
pe
rso
na
lin
form
atio
n.T
oa
cc
ess
the
Fu
nd
’sp
olic
ya
nd
yo
urp
ers
on
al
info
rma
tion
,ort
om
ake
an
en
qu
irya
bo
uta
ny
asp
ec
tofy
ou
rFu
nd
m
em
be
rsh
ip,p
lea
sec
all
leg
als
uper
on
180
0 06
0 31
2,v
isitl
ega
lsup
er’s
w
eb
site
atw
ww
.leg
als
uper
.com
.au
orw
rite
tole
ga
lsup
era
tG
POB
OX
495
2,M
elb
ou
rne
VIC
300
1.
4. A
utho
risa
tion
•I
au
tho
rise
leg
als
uper
to
ma
kea
rran
ge
me
nts
with
th
et
ran
sfe
rrin
g
fun
dn
om
ina
ted
ab
ove
to
ha
vem
ysu
pe
ran
nu
atio
nt
ran
sfe
rred
in
tom
ya
cc
ou
nt
with
leg
als
uper
an
da
ckn
ow
led
ge
th
at
this
au
tho
risa
tion
isir
revo
ca
ble
.•
On
pa
yme
nt
fro
mt
he
tra
nsf
erri
ng
fun
dt
ole
ga
lsup
er,I
disc
ha
rge
th
et
rust
ee
oft
ha
tfu
nd
fro
ma
ny
furt
he
rlia
bilit
yto
me
inre
spe
ct
o
fmy
sup
era
nn
ua
tion
be
ne
fit.
•I
ap
pro
vet
he
de
du
ctio
no
ftra
nsf
erf
ee
s(if
ap
plic
ab
le)
by
the
tr
an
sfe
rrin
gfu
nd
fro
mt
he
be
ne
fitt
ran
sfe
rred
to
leg
als
uper
.•
Ire
qu
est
an
yc
on
trib
utio
ns
rec
eiv
ed
by
the
tra
nsf
erri
ng
fun
da
fte
rp
aym
en
to
fmy
be
ne
fitt
ole
ga
lsup
erb
ere
dire
cte
dt
om
ya
cc
ou
nt
in
leg
als
uper
.
Me
mb
er’s
sig
natu
re
D
ate
(d
d/m
m/y
yyy)
Tra
nsfe
r of S
upe
rann
uatio
n
into
leg
als
upe
rPl
ea
seu
se b
loC
k le
tters
and
bla
ck in
kw
he
nc
om
ple
ting
th
isfo
rm.
This
req
ue
stw
illb
ein
valid
ifu
nsig
ne
db
yth
em
em
be
r.
361.
506
062
1
Retu
rn th
is c
om
ple
ted
form
to:
leg
als
upe
r G
POB
ox
4952
M
elb
ou
rne
VIC
300
1D
X14
5M
elb
ou
rne
Pho
ne
:fre
ec
all
1800
060
312
Fax:
fre
ec
all
1800
614
431
Ema
il:m
ail@
leg
alsu
pe
r.co
m.a
u
ww
w.le
ga
lsup
er.c
om.a
u
Issu
ed
1 J
uly
200
7 L
eg
alS
up
erP
tyL
td.A
BN3
700
445
578
9A
FSL
2463
15R
SEL
0002
585
R10
5650
1
LEGS 27230 rollover brochure_03.1 1 20/8/07 1:45:45 PM
How to contact legalsuper
Phone 1800 060 312Fax 1800 614 431Email [email protected] www.legalsuper.com.auMail GPO Box 4952
Melbourne VIC 3001, or DX 145 Melbourne
Streamline your super
Sen
de
r
Detach
here, m
oisten
, folD
anD
LS/TRANS/INL/STCK/REV/361.506/06ISS2
Put all
$$$$saveandwith legalsuper
super
Font
colo
ur:B
lack
only
Wid
th:9
5m
mX
Leng
th:2
10m
mN
ote:
Allc
ompo
nent
sm
ustb
epr
inte
d.Th
ear
twor
kco
mpo
nent
sm
ustn
otbe
re-s
cale
d.R
e-sc
alin
gw
illcr
eate
proc
essi
ngpr
oble
ms.
Del
iver
yA
ddre
ss:
GPO
Box
4952
MEL
BOU
RN
EVI
C80
60
Lega
lsup
er-A
dmin
istra
tion
Rep
lyPa
id49
52M
ELBO
UR
NE
VIC
8060
File
nam
e:D
9189
1383
0019
5210
N05
1110
date
:10/
11/2
005
09:2
0:24
Plea
seno
te:
•It
isth
ecu
stom
er's
resp
onsi
bilit
yto
chec
kth
atth
ear
twor
kis
corre
ct,p
leas
ech
eck
the
deliv
ery
addr
ess
deta
ilsan
dth
ead
dres
see
deta
ilsbe
low
the
barc
ode.
Con
tact
Aust
ralia
Post
ifan
ych
ange
sar
ere
quire
d.•
Failu
reto
adhe
reto
corre
ctad
dres
sing
and
form
attin
gst
anda
rds
will
resu
ltin
high
ercu
stom
erch
arge
sor
canc
ella
tion
ofse
rvic
e.•
Ref
erto
the
Rep
lyPa
idSe
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ghly
.Aus
tral
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rany
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rs.
Sum
mar
y:En
velo
pePa
perR
equi
rem
ents
:-
wei
ghto
f65
to10
0gsm
;-
thic
knes
sof
0.08
to0.
18m
m;
-st
iffne
ss:m
achi
nedi
rect
ion
of3
mN
;and
,-
stiff
ness
:cro
ssdi
rect
ion
of1.
5mN
.
No
prin
tcon
tent
can
appe
arin
the
botto
m20
mm
ofth
efro
ntor
rear
ofth
ear
ticle
.W
AR
NIN
GC
hang
esto
this
artw
ork
notc
ompl
ying
with
Rep
lyPa
idSe
rvic
eG
uide
lines
may
resu
ltin
canc
ella
tion
ofyo
urR
eply
Paid
serv
ice.
Font
colo
ur:B
lack
only
Wid
th:9
5m
mX
Leng
th:2
10m
mN
ote:
Allc
ompo
nent
sm
ustb
epr
inte
d.Th
ear
twor
kco
mpo
nent
sm
ustn
otbe
re-s
cale
d.R
e-sc
alin
gw
illcr
eate
proc
essi
ngpr
oble
ms.
Del
iver
yA
ddre
ss:
GPO
Box
4952
MEL
BOU
RN
EVI
C80
60
Lega
lsup
er-A
dmin
istra
tion
Rep
lyPa
id49
52M
ELBO
UR
NE
VIC
8060
File
nam
e:D
9189
1383
0019
5210
N05
1110
date
:10/
11/2
005
09:2
0:24
Plea
seno
te:
•It
isth
ecu
stom
er's
resp
onsi
bilit
yto
chec
kth
atth
ear
twor
kis
corre
ct,p
leas
ech
eck
the
deliv
ery
addr
ess
deta
ilsan
dth
ead
dres
see
deta
ilsbe
low
the
barc
ode.
Con
tact
Aust
ralia
Post
ifan
ych
ange
sar
ere
quire
d.•
Failu
reto
adhe
reto
corre
ctad
dres
sing
and
form
attin
gst
anda
rds
will
resu
ltin
high
ercu
stom
erch
arge
sor
canc
ella
tion
ofse
rvic
e.•
Ref
erto
the
Rep
lyPa
idSe
rvic
eG
uide
orvi
sitw
ww
.aus
post
.com
.au/
repl
ypai
d•
Plea
sech
eck
the
artw
ork
deta
ilsth
orou
ghly
.Aus
tral
iaPo
stis
notr
espo
nsib
lefo
rany
erro
rs.
Sum
mar
y:En
velo
pePa
perR
equi
rem
ents
:-
wei
ghto
f65
to10
0gsm
;-
thic
knes
sof
0.08
to0.
18m
m;
-st
iffne
ss:m
achi
nedi
rect
ion
of3
mN
;and
,-
stiff
ness
:cro
ssdi
rect
ion
of1.
5mN
.
No
prin
tcon
tent
can
appe
arin
the
botto
m20
mm
ofth
efro
ntor
rear
ofth
ear
ticle
.W
AR
NIN
GC
hang
esto
this
artw
ork
notc
ompl
ying
with
Rep
lyPa
idSe
rvic
eG
uide
lines
may
resu
ltin
canc
ella
tion
ofyo
urR
eply
Paid
serv
ice.
leG
s 27
230
Consolidating your super is easy – see the form inside.
LEGS 27230 rollover brochure_03.2 2 20/8/07 1:45:54 PM
