PM attends Association's 75th Annual Conference - New Zealand ...

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PoliceNewsThe Voice of Policedoesn’t seem fair,” I said to him, “when wehave the whole Dunedin CIB, and the CrownSolicitor and the DSIR for the prosecution,and you have just yourself for the defence.”“Yes”, the lawyer replied, “but your witnesseshave to tell the truth”.I was about to say something, but the sergeantwas looking at me again. They were learningyears.But all that was nearly 50 years ago. Perhapsit’s not like that now.Bert Hill(Dunedin)Thanks for your letter Bert. On reading thatlast sentence I feel a Tui billboard coming on.Something like: “Juries can always be trustedto get it right?” Yeah right.Use of 0800 Ten Ninephone lineAssociation representatives maintain thistelephone line (0800 836 6463) on a24-hour basis.It is to be used ONLY for matters that cannotbe deferred, such as Police shootings, fatalpursuits or deaths in custody.Important and immediate industrial andlegal advice can then be arranged throughthe Association networks.Please do not phone this line for nonurgentmatters.When the proverbial hits the fan…You may not have spent sleepless nightsworrying about the origin of certainwords but some words have an interestinghistory.Take that four-letter word meaning manure,for instance.In the 16th and 17th centuries, everythinghad to be transported by ship.This was before the invention of commercialfertiliser, so large shipments ofmanure were common.It was shipped dry, because in dry formit weighed a lot less than when wet, butonce water (at sea) hit it, it not onlybecame heavier, but the process of fermentationbegan again, of which a byproduct is methane gas.As manure was stored below decks inbundles you can see what could (anddid) happen.Methane gas began to build up belowdecks and the first time someone camedown below at night with a lantern,BOOOOM! Several ships were destroyedin this manner before it was determinedjust what had happened.After that, the bundles of manure werealways stamped with the term ‘ShipHigh In Transit ‘ on them, which meantfor the sailors to stow it high enoughand off the lower decks so that any waterthat came into the hold would nottouch the volatile cargo and start theproduction of methane gas.Thus evolved, through using the firstfour letters of Ship High In Transit, thefour-letter word that has been passeddown through the centuries. Today it isin common usage as the word describingnot only all forms of manure butwhat you find yourself in when you getthings very wrong.Radio documentary request for intervieweesHave you ever kept a secret? Maybe it was life-changing. Maybe you stillhaven’t told anyone? Whether it’s about family, love, or a past regret, I’mmaking a radio programme and would like to chat to you.All correspondence will be treated in the strictest confidence. Interviews willbe re-recorded using actors. Your identity will not be revealed.If you’re interested in taking part please contact me at: radiodoco@gmail.comor PO Box 33-189, Takapuna, Auckland 0740.Georgina Scull, (Auckland)Useful Information & ContactsNew Zealand Police Association:For immediate industrial & legal advice(on matters that cannot be deferred such asPolice shootings, fatal pursuits or deaths incustody) ring 0800 TEN NINE(0800 836 6463)– 24 hour/seven days servicePolice Network 44446 Website www.policeassn.org.nzFreephone 0800 500 122 Police Home Loans 0800 800 808Police Health Plan/Police Fire and General Insurance Police Credit Union 0800 429 000Quotes & information 0800 500 122 or (04) 472 9645or Fax (04) 496 6819 Credit Union www.policecu.org.nzPolice Fire and General Insurance claims 0800 110 088 GSF information 0800 654 731All enquiries (04) 496 6800 PSS information 0800 777 243Vice PresidentsStuart Mills (027) 268 9416Chris Cahill (027) 268 9411Field OfficersAuckland District: stewart Mills (027) 268 9407Waitemata and Northland Districts: Steve Hawkins (027) 268 9406Waikato, BOP and Eastern Districts: Graeme McKay (027) 268 9408Central and Wellington Districts: JJ Taylor (027) 268 9409Tasman and Canterbury Districts: Dave McKirdy (027) 268 9410Southern District dave Steel (027) 268 9427Regional DirectorsRegion One Jug Price Whangaparaoa (027) 268 9419Region Two Dave Pizzini Counties-Manukau (027) 268 9413Region Three Mel Ridley Tauranga (027) 268 9414Region Four Luke Shadbolt Hastings (027) 268 9415Region Five Ron Lek Wellington (027) 268 9417Region Six Craig Prior Sydenham (027) 268 9412Region Seven Brett Roberts Dunedin (027) 268 9418326December 2010
New Zealand Police AssociationHome Loan and banking updatefrom ANZFix or float?When it comes to home loans, thechoice between a fixed or floating rateis always one of the biggest decisionsto make. While the choice depends onyour particular situation, a good placeto start is by looking at what’shappening in the home loan market.With floating rates at historically lowlevels, we’ve seen a big shift fromfixed to floating rates. Our economistsexpect floating rates to remain fairlystable in the short term. Floating ratesare closely related to the Official CashRate (OCR), and our economists don’texpect that to start rising until aroundMarch 2011.They also expect fixed rates tocontinue edging lower in the shortterm, although they are still moreexpensive than floating rates.However, fixed rates are moresusceptible to changes in overseasmarkets – so bad news in the globaleconomy could have a knock-on effecton fixed home loan rates.Given that scenario, if certainty isimportant to you, now may be a goodtime to consider putting a portion ofyour home loan on fixed rates. At themoment, our economists believeshorter fixed rates, particularly for oneand two year terms, offer good value.Don’t forget that at ANZ we canexplain all the options and help youstructure a home loan that suits yourneeds – now and in the future.Whatever you decide, remember thatwith the ANZ Police Home Loan andBanking Package you can takeadvantage of great discounts on bothfixed and floating home loan rates.Managing your finances overChristmasChristmas is a great time of the year –but if you’re saving for a home it canbe a hard period to get throughwithout putting a dent in yourhard-earned savings. Here are threetop tips to help you stay on track toavoid blowing your budget overChristmas.Set a budget – and stick to it – it’s easyto get caught up in the Christmas hypeand spend too much. Setting a limithelps you resist temptation. Gifts areoften the major expense, so decide inadvance what you will spend on eachpresent and don’t deviate from it.Share the load – rather than everyonebuying presents for everyone else inyour family, consider putting all thenames into a hat and each personpicking out one name to buy for.Don’t leave it till the last minute– when the pressure’s on it’s too easyto grab Christmas gifts, food, wine etc.regardless of cost. The more organisedyou are the better you’ll be able tostick to your budget, and avoid payingpremium prices.Avoid taking on too much debt – paycash if you can and if you do have touse credit, make sure you understandexactly what the ongoing fees andcosts are before you buy.Above all, remember that Christmas isnot about money – it’s about spendingtime with friends and family. From allof us at ANZ, have a great Christmas.For more information about the ANZPolice Home Loan and BankingPackage, call 0800 782 836 or contactyour local branch.Interest rates are subject to change. Where borrowing over 80% of a property’s value is approved, a low equity premiumon a graduated scale will apply and a registered valuer’s report will be required. Applications through brokers are noteligible for package concessions. ANZ’s lending criteria, terms, conditions and fees apply. All Police Home Loan Packagedetails are current as at 12 September 2010 and are subject to change. CANSTAR CANNEX awarded 5-star ratings to ANZ’s2-year fixed, 3-year and 5-year fixed home loan products in both the owner occupied and investor segments, November2009. ANZ National Bank Limited.Buying a new home orrefinancing can be an expensiveprocess, even with today’s lower interestrates. We aim to make it easier onPolice Welfare Fund members’ pockets.So for a limited time those drawing downa new Police Home Loan will be eligiblefor six months free home insurancethrough the Welfare Fund’s Police Fire &General Insurance*.Members eligible for the free covershould contact our Member ServicesTeam on 0800 500 122. You will need acopy of your loan document fromThe National Bank or ANZ.Police Home Loan PackageWhether you’re refinancing, buying yourfirst home, selling, investing in property,building or looking for ways to manageyour current home loan – a Police HomeLoan through The National Bank or ANZmay be able to help.The Police Welfare Fund Home Loanpackage provides attractive benefits toPolice Welfare Fund members and theirimmediate family, like:• No Home Loan application fee• A contribution of $500 towards legal fees• A small fee of $100 for a top-up on anexisting loanFor borrowing 80% or lower of a property’svalue:• 0.50% pa off the standard National Bankor ANZ Floating and Flexible Home Loaninterest rates• The lowest possible rate on fixed interestrate loans without having to negotiate andregardless of your loan sizeOur Police Welfare Fund Home Loanpackage is highly competitive and flexible.For more information or to apply for the PoliceWelfare Fund Home Loan Package visitwww.policeassn.org.nzThe National Bank and ANZ’s lending criteria, terms, conditions and fees apply. Forborrowing over 80% of a property’s value, a low equity premium on a graduatedscale will apply, and a registered valuer’s report will be required. Eligibilty to apply fora Police Home Loan package is at the discretion of the Police Welfare Fund Limitedand applicants must be current members of the Fund. This home loan package is notavailable for low documentation home loans or loans approved through a broker. Fora copy of The National Bank or ANZ Disclosure Statement and full details (includingterms and conditions) contact any branch of The National Bank of New Zealand (partof ANZ Bank Limited) nor the ANZ.*Police Fire & General Insurance will be subject to the standard underwritingterms and conditions and is provided through the Police Welfare Fund not byThe National Bank or ANZ. Members are eligible for one period of six months freePolice Fire & General Home Insurance premium only, per member, regardless of theterm of Police Home Loan taken. Police Fire & General Insurance is underwritten byLumley General Insurance (NZ) Limited.12-2010December 2010327
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