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  • Quantum Broker Group Ltd. // Key Person Cover
    vital to the continuing profitability of the business and whose death or disability may have a dramatic impact on the success of the business What happens when your top salesperson has a serious illness Could you answer the sales calls if your sales manager was unable to work for an extended period of time What if your IT person wasn t available would you be able to run your computer network properly A personal tragedy need not be a business tragedy If a crucial member of your staff was injured diagnosed with a serious illness or died suddenly a lump sum injection could be the lifeline your business needs in order to do such things as hire a consultant or recruit and train a replacement Directors could be personally liable if they cause or allow the business of the company to be carried on in a manner likely to create a risk of serious loss to the company s creditors Section 135 Companies Act 1993 Key Person Protection allows you the opportunity to step back and have a think about the decisions you need to make in these situations without the added stress of financial worries Key Person Protection can

    Original URL path: http://qbg.co.nz/business/key-person.html?printable=true (2016-04-26)
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  • Quantum Broker Group Ltd. // Share Purchase Cover
    to buy company shares if a shareholder or partner dies It is intended for private limited liability companies or partnerships where there may be only a small number of principal shareholders or partners It is usually done in conjunction with an agreement to give the remaining shareholders and partners the first option to buy these shares Shareholder Partnership Agreements All privately held companies and partnerships should have an agreement that

    Original URL path: http://qbg.co.nz/business/share.html?printable=true (2016-04-26)
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  • Quantum Broker Group Ltd. // Business Expense Cover
    breaches of the Health and Safety in Employment Act Employers are responsible for the health and safety of employees while they are at work Your employees may be injured at work or they or your former employees may become ill as a result of their work while in your employment They may try to claim compensation from you if they believe you are responsible Employers liability insurance will enable you to meet the cost of legal action and compensation for your employees injuries or illnesses whether they are caused on or off site Public Liability Insurance Public Liability Insurance covers property damage and anyone in or near your home or business who suffers injury or death Scenarios where this may occur include protection from claims by trespassers for example the injured burglar situation Also remember that scaffolding can be a liability when undertaking building repairs and renovations Professional Indemnity Insurance provides essential financial protection for a wide range of professional advisers In the event that a client suffers financial loss as a result of alleged neglect error or omission Professional Indemnity Insurance will meet the cost of defending claims and any damages payable Any person who gives advice designs or offers services in a professional capacity and is seen by clients as an expert should have professional indemnity insurance Business Costs Business Interruption Insurance imagine if you were hit with a disaster such as a fire or your primary income producing resource was out of action your business would be suspended and your ability to generate cash would be severely hindered Not only will you lose profits you will lose the ability to cover ongoing expenses such as payroll taxes loan payments and utilities Consider too the expenses associated with recovering those losses or operating your business in another location

    Original URL path: http://qbg.co.nz/business/expense.html?printable=true (2016-04-26)
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  • Quantum Broker Group Ltd. // Business Expense Cover
    if a member of staff is ill and requires routine hospitalisation the wait for a hospital bed can be long and stressful Staff members may be off sick for prolonged periods of time costing your company both time and money Reduction of your workforce through illness together with the additional stress placed on remaining colleagues who have to cover and work harder can damage morale dent productivity and even impact on your bottom line Employee Health Insurance provides employees with the reassurance that should they fall ill they will have the funds available for immediate treatment so they can concentrate on regaining their health Getting back to work faster is a win win situation for all involved Employee Life Trauma Income Protection Life insurance provides employees with the security that if they were to die whilst in the service of the employer their partners or family would receive a cash lump sum Trauma protection can provide a cash lump sum benefit to employees where they are diagnosed with certain critical medical conditions Income protection provides the employee with certainty of a monthly income should they be off work through illness or injury for a prolonged period of time Employee Superannuation

    Original URL path: http://qbg.co.nz/business/group.html?printable=true (2016-04-26)
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  • Quantum Broker Group Ltd. // KiwiSaver for Employers
    KS2 form to be issued and sent monthly to the IRD together with your employer monthly schedule EMS Employer required to make a KiwiSaver contribution from 1 April 2008 From 1 April 2009 employer to contribute 2 of employees gross salary to their KiwiSaver account If employer has an existing registered scheme then any employer contribution counts towards this requirement does not have to be a KiwiSaver scheme Giving employees your chosen providers investment statement if you have selected one Employer will need to deduct the employee KiwiSaver contributions from their before tax pay and send to the IRD through the PAYE system Employee deduction to start from first pay IRD has added new calculations to PAYE deduction tables Employer to check out any opt out forms received from employees and send them to the IRD IRD KS10 form Stop any employee contributions to KiwiSaver when advised If deductions have been already made but not passed on to IRD then refund to employee Alternatively you can still send them to IRD with your EMS and IRD will refund them directly If payment has already been made to IRD then IRD will refund them directly to the employee If an employee

    Original URL path: http://qbg.co.nz/business/kiwisaver.html?printable=true (2016-04-26)
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  • ACC - save up to 50%
    covered from 40 to 120 of your income subject to maximums and minimums Should you choose to be covered for the minimum level of cover 40 your ACC premiums would reduce by up to 50 Case Study I recently completed a review of ACC and Insurance for the owner of a glazing business He was paying 5 000 in ACC premiums per year Due to the way he was distributing

    Original URL path: http://qbg.co.nz/news/details/acc-save-up-to-50.html?printable=true (2016-04-26)
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  • Boomers changing view of Retirement
    65 1 years The findings also confirmed that people aged between 50 and 65 were more likely to be using a financial adviser The survey also revealed that people aged over 50 were far more realistic about their likely retirement incomes While those under 50 expected to retire on an income of over 50 000 a year those aged over 50 expected a retirement income in the 30 000 to

    Original URL path: http://qbg.co.nz/news/details/boomers-changing-view-of-retirem.html?printable=true (2016-04-26)
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  • Transfer Your Australian Superannuation to KiwiSaver
    Zealand that would allow portability of the compulsary employer Australian retirement contributions to be transferred to a New Zealand KiwiSaver Superannuation account This will be a big boost for New Zealanders who have worked in Australia since 1992 and have had to join a compulsary Australian Superannuation fund as they now can transfer these funds to a New Zealand KiwiSaver fund Where New Zealand owners of lost accounts in Australia

    Original URL path: http://qbg.co.nz/news/details/transfer-your-australian-superan.html?printable=true (2016-04-26)
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