Tell us your story: A review of the IED Strategy
The Northern Territory Government is reviewing the Indigenous Economic Development (IED) Strategy.
As part of the review we will be holding forums throughout the Northern Territory in June.
At the forums we want to listen to your story about Indigenous economic development in the Territory and hear your ideas for making the current strategy better.
Our consultant ACIL Tasman will explain the current strategy at the forum and get your feedback on how successful it has been. They will then listen to your ideas for improving the strategy.
The forums will be held in:
TENNANT CREEK 3 June 2008 1:30 pm - 4:00 pm
ALICE SPRINGS 4 June 2008 1:30 pm - 4:00 pm
DARWIN 10 June 2008 4:30 pm - 7:00 pm
KATHERINE 16 June 2008 5:00 pm - 7:30 pm
NHULUNBUY 18 June 2008 4:00 pm - 6:30 pm
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Finance
Finance is an exciting and interesting field of study, which can open new career opportunities as well as provide useful personal money management strategies. Students receive a sound theoretical foundation upon which practical applications are built. A finance student will learn about the components of the financial system and how it impacts upon financial decisions in an organisation by studying financial institutions and markets, and business finance.
The Finance programme at Massey University (Palmerston North and Albany Campuses) was recently ranked 12th out of 170 Asia-Pacific Universities for the quality of our Finance research. This ranking places Massey’s Finance Programme top in New Zealand based on our research publications in the world’s 21 leading finance journals during 2000-2004. Studying Finance at Massey means you will be learning from, and researching with, some of the best finance academics in the world.
Aviation Management was designed to provide human factor, aviation psychology and aviation management competencies particularly relevant for candidates entering the aviation industry, or for those already employed in aviation (with or without professional licences) but with no previous tertiary qualifications. The goal for most of these candidates is to obtain a dedicated aviation qualification which will prepare them for a management role within an organisation, or to provide the academic disciplines which will enable them to be more effective in that role.
Finance is an exciting and interesting field of study, which can open new career opportunities as well as provide useful personal money management strategies. Students receive a sound theoretical foundation upon which practical applications are built. A finance student will learn about the components of the financial system and how it impacts upon financial decisions in an organisation by studying financial institutions and markets, and business finance.
The Finance programme at Massey University (Palmerston North and Albany Campuses) was recently ranked 12th out of 170 Asia-Pacific Universities for the quality of our Finance research. This ranking places Massey’s Finance Programme top in New Zealand based on our research publications in the world’s 21 leading finance journals during 2000-2004. Studying Finance at Massey means you will be learning from, and researching with, some of the best finance academics in the world.
Aviation Management was designed to provide human factor, aviation psychology and aviation management competencies particularly relevant for candidates entering the aviation industry, or for those already employed in aviation (with or without professional licences) but with no previous tertiary qualifications. The goal for most of these candidates is to obtain a dedicated aviation qualification which will prepare them for a management role within an organisation, or to provide the academic disciplines which will enable them to be more effective in that role.
EDMONTON (CP) — Stuart Olson Constructors Inc. announced Monday that it has awarded Lockerbie & Hole Inc. a $70-million cost reimbursable contract to be mechanical construction manager for the new remand centre in Edmonton.
Lockerbie also will decide the scope of work, which includes the installation of domestic water systems, storm and sanitary drainage systems, and underground utilities, Stuart Olson Constructors said in a release.
The jail is being built in the city’s northwest and will replace the 27-year-old existing remand centre located in downtown Edmonton.
The overall budget for the project is $620 million. When complete, the facility will house up to 2,000 inmates.
Last Thursday, Epcor awarded Lockerbie & Hole a $30-million contract to design and build the water and wastewater treatment plants for 3,500 residents and staff at Suncor’s Voyageur oilsands project in Fort McMurray, Alta.
When completed, the treatment plants will be owned and managed by Epcor to service the camp facilities and Voyageur Village for Suncor’s planned Voyageur expansion.
Lockerbie also will decide the scope of work, which includes the installation of domestic water systems, storm and sanitary drainage systems, and underground utilities, Stuart Olson Constructors said in a release.
The jail is being built in the city’s northwest and will replace the 27-year-old existing remand centre located in downtown Edmonton.
The overall budget for the project is $620 million. When complete, the facility will house up to 2,000 inmates.
Last Thursday, Epcor awarded Lockerbie & Hole a $30-million contract to design and build the water and wastewater treatment plants for 3,500 residents and staff at Suncor’s Voyageur oilsands project in Fort McMurray, Alta.
When completed, the treatment plants will be owned and managed by Epcor to service the camp facilities and Voyageur Village for Suncor’s planned Voyageur expansion.
his was a 2006 post from codymckibben.com, originally written for a college student audience, but the tips are really great for anyone. Enjoy!
It’s not easy being a student. Paying for tuition and books, rent, and the occasional entertainment, even if you are working, can be quite a challenge. But good news is here: you can build the skills to become wealthy while you are still a poor college student! You will need excellent financial IQ when you are the head of your household or your own business, so it’s best to develop those behaviors now. Admittedly, I was not always the most financially-intelligent student. But, since investing some time in learning a few simple “tricks” that make tracking, stretching, and keeping more of your money easier, I’d love to share some of those easy solutions with you. First, there are the “duh!” basics:
* Budget your finances! Don’t just throw away all your receipts. I know it doesn’t sound fun, but for one to three months, record each purchase you make and categorize it. Use Quicken, Microsoft Money, or paper-and-pencil. This will let you know where all your money is going, and then you can start to plan ahead and set a budget so you don’t go over. Cody’s super-easy hint: Although you have to be disciplined to do this, I use a credit card for virtually all my purchases (earn the rewards points in the meantime and pay it off at the end of each month), which makes tracking my spending a lot easier–no cash purchases to remember! You could also use a debit card. Once you have recorded what you spend, here is the easiest two-category budget plan EVER!
* Pay your bills on time! Use a calendar like Apple iCal, Outlook, or Google Calendar, to send yourself reminders a few days before your regular bills are due (rent, utilities, credit cards, etc.). Or use Quicken reminders, or check out a service like BillQ if it works for you. Paying on time is the best thing you can do to ensure you build good credit, which you will need later! Cody’s helpful hint: Most online banking services allow you to do online bill-pay and schedule payments for ANY available business day. So, take your bills as soon as you get them in the mail, go into your online banking, and set up a payment to be delivered by the due date, and then you can forget about it! This means the money is available and earns more for you as long as possible, but the bill still gets paid on time.
* If you have credit card balances, keep them on a 0% card. Mildly shady, but entirely legal. If you have debt, which many of us do, at least keep it on low-interest or zero-percent cards. Better yet, put your purchases on a rewards card! (I once got a card that gave me a free iPod Nano for transferring a $2000 balance.) There are a thousand credit cards out there with 0% introductory rates (usually for the first year), so take advantage of that and then simply transfer your balance to another one when the intro period is up. (This is not to encourage you to continue to maintain a balance though; pay off as much as you can each month until it is GONE!) Cody’s word of caution: Just be careful, read the fine print, know when the introductory rate is up, and AVOID balance transfer fees (many cards charge 3% of the transfer amount, but there are plenty you can find that have no transfer fee for new cardholders). Check out Jim Wang’s posts on 0% balance transfer offers and other credit card offers. Also see the next step for a tip on how to lower your credit card interest rate.
Now here are a few other, little-known hacks that you can use, and then laugh and taunt your friends for being stupider than you! Remember, the little things add up:
* Call your bank/credit card to get a better deal! This sounds so simple, but 99.9% of people DON’T do it! Here’s what I suggest, every time your bank charges you an overdraft fee, an international fee, or any other kind of fee, or if your credit card charges you a late fee for receiving your payment a day after the due date for instance…CALL THEM! And ask nicely. Give your defense if you have to. The worst that can happen is they’ll say no. And you’ll be no worse off than you were before placing the call. But I guarantee you, 95% of the time they will say exactly this, “Well, we normally don’t do this, but I’ll give you a one-time fee-waiver.” Remember, they want to keep you as a customer, so financial institutions are usually willing to part with 10 bucks here and there, and the majority of people won’t call them out on those fees, so they’re making plenty already. If the customer service rep denies you, just call back in a few minutes and speak to someone else! Also, here’s a fantastic guide to lowering your credit card rate with one phone call. Cody’s additional $0.02: in addition to the FreeCreditReport site they recommend, check out the Federally-mandated AnnualCreditReport.com for your free yearly report. If you pay your bills on time and you have a 700+, you have a LOT of leverage with credit card companies! (And you should look into getting some fantastic rewards cards!)
* Use coupon codes and discounts when shopping online. This one’s pretty simple, but when you shop online, especially around the holidays, try to take advantage of promotional codes and discounts. I don’t recommend going out of your way to buy the things you see coupons for (that’s why companies print coupons, don’t you know? So you will SPEND more!). But, if you already plan on getting a few items online, check a site like CurrentCodes.com to see if there are any special deals for the particular website you’re looking at purchasing from–discounts, free shipping offers, etc. This saved me about $30 on a Lost Season 2 DVD set once! That’s pretty good for a coupon.
* Open up a high-yield online savings account! This is one of the SMARTEST moves you can make! Most banks these days only offer annual percentage yields under 1% on their savings accounts, unfortunately (actually the national average right now is only 0.54%). But, there’s an easy solution that not everyone has caught onto yet. If you’re willing to do your transactions online and go without a paper statement, a high-yield online savings account is the perfect solution. There are a lot of banks doing this, but here are some of the top APY rates. All of these are FDIC insured and have zero fees, zero minimum balances:
o I use the EmigrantDirect American Dream Savings Account, which returns 5.05%
o HSBC Direct offers 5.05%. Try entering the promo code “start” and see if it gets you an opening bonus… ;)
o E*Trade Complete Savings 5.05%
o CitiBank Direct at 5.00%. You need to open an EZ online checking account along with the e-Savings to get the bank fees waived on this one.
o I also have an ING Direct Orange Savings Account, which is now up to 4.50%. If you would like, I can send you a referral and you can earn $25 for opening an account with a minimum opening balance of $250 (hey, it’s good if you want a quick 10% return!) Just email me if you’re interested (see sidebar for email).
It only takes 10 minutes to set one of these up (literally!). All you need is your personal info and your regular bank checking account info. And you’ll immediately be making 6 to 9 times the national savings average! It’s easy. Do it.
Finally, I recommend you always continue learning about financial stuff and keep up your financial intelligence. For something you can read daily, check out the master of all personal finance and entrepreneurship bloggers, Ramit Sethi, at IWillTeachYouToBeRich.com. Read his 5 Steps To Getting Rich first, and then he’ll lead you through budgeting, saving, investing, and retirement. Read my one-on-one interview with Ramit Sethi. Also check out J.D. Roth’s Get Rich Slowly.
It’s not easy being a student. Paying for tuition and books, rent, and the occasional entertainment, even if you are working, can be quite a challenge. But good news is here: you can build the skills to become wealthy while you are still a poor college student! You will need excellent financial IQ when you are the head of your household or your own business, so it’s best to develop those behaviors now. Admittedly, I was not always the most financially-intelligent student. But, since investing some time in learning a few simple “tricks” that make tracking, stretching, and keeping more of your money easier, I’d love to share some of those easy solutions with you. First, there are the “duh!” basics:
* Budget your finances! Don’t just throw away all your receipts. I know it doesn’t sound fun, but for one to three months, record each purchase you make and categorize it. Use Quicken, Microsoft Money, or paper-and-pencil. This will let you know where all your money is going, and then you can start to plan ahead and set a budget so you don’t go over. Cody’s super-easy hint: Although you have to be disciplined to do this, I use a credit card for virtually all my purchases (earn the rewards points in the meantime and pay it off at the end of each month), which makes tracking my spending a lot easier–no cash purchases to remember! You could also use a debit card. Once you have recorded what you spend, here is the easiest two-category budget plan EVER!
* Pay your bills on time! Use a calendar like Apple iCal, Outlook, or Google Calendar, to send yourself reminders a few days before your regular bills are due (rent, utilities, credit cards, etc.). Or use Quicken reminders, or check out a service like BillQ if it works for you. Paying on time is the best thing you can do to ensure you build good credit, which you will need later! Cody’s helpful hint: Most online banking services allow you to do online bill-pay and schedule payments for ANY available business day. So, take your bills as soon as you get them in the mail, go into your online banking, and set up a payment to be delivered by the due date, and then you can forget about it! This means the money is available and earns more for you as long as possible, but the bill still gets paid on time.
* If you have credit card balances, keep them on a 0% card. Mildly shady, but entirely legal. If you have debt, which many of us do, at least keep it on low-interest or zero-percent cards. Better yet, put your purchases on a rewards card! (I once got a card that gave me a free iPod Nano for transferring a $2000 balance.) There are a thousand credit cards out there with 0% introductory rates (usually for the first year), so take advantage of that and then simply transfer your balance to another one when the intro period is up. (This is not to encourage you to continue to maintain a balance though; pay off as much as you can each month until it is GONE!) Cody’s word of caution: Just be careful, read the fine print, know when the introductory rate is up, and AVOID balance transfer fees (many cards charge 3% of the transfer amount, but there are plenty you can find that have no transfer fee for new cardholders). Check out Jim Wang’s posts on 0% balance transfer offers and other credit card offers. Also see the next step for a tip on how to lower your credit card interest rate.
Now here are a few other, little-known hacks that you can use, and then laugh and taunt your friends for being stupider than you! Remember, the little things add up:
* Call your bank/credit card to get a better deal! This sounds so simple, but 99.9% of people DON’T do it! Here’s what I suggest, every time your bank charges you an overdraft fee, an international fee, or any other kind of fee, or if your credit card charges you a late fee for receiving your payment a day after the due date for instance…CALL THEM! And ask nicely. Give your defense if you have to. The worst that can happen is they’ll say no. And you’ll be no worse off than you were before placing the call. But I guarantee you, 95% of the time they will say exactly this, “Well, we normally don’t do this, but I’ll give you a one-time fee-waiver.” Remember, they want to keep you as a customer, so financial institutions are usually willing to part with 10 bucks here and there, and the majority of people won’t call them out on those fees, so they’re making plenty already. If the customer service rep denies you, just call back in a few minutes and speak to someone else! Also, here’s a fantastic guide to lowering your credit card rate with one phone call. Cody’s additional $0.02: in addition to the FreeCreditReport site they recommend, check out the Federally-mandated AnnualCreditReport.com for your free yearly report. If you pay your bills on time and you have a 700+, you have a LOT of leverage with credit card companies! (And you should look into getting some fantastic rewards cards!)
* Use coupon codes and discounts when shopping online. This one’s pretty simple, but when you shop online, especially around the holidays, try to take advantage of promotional codes and discounts. I don’t recommend going out of your way to buy the things you see coupons for (that’s why companies print coupons, don’t you know? So you will SPEND more!). But, if you already plan on getting a few items online, check a site like CurrentCodes.com to see if there are any special deals for the particular website you’re looking at purchasing from–discounts, free shipping offers, etc. This saved me about $30 on a Lost Season 2 DVD set once! That’s pretty good for a coupon.
* Open up a high-yield online savings account! This is one of the SMARTEST moves you can make! Most banks these days only offer annual percentage yields under 1% on their savings accounts, unfortunately (actually the national average right now is only 0.54%). But, there’s an easy solution that not everyone has caught onto yet. If you’re willing to do your transactions online and go without a paper statement, a high-yield online savings account is the perfect solution. There are a lot of banks doing this, but here are some of the top APY rates. All of these are FDIC insured and have zero fees, zero minimum balances:
o I use the EmigrantDirect American Dream Savings Account, which returns 5.05%
o HSBC Direct offers 5.05%. Try entering the promo code “start” and see if it gets you an opening bonus… ;)
o E*Trade Complete Savings 5.05%
o CitiBank Direct at 5.00%. You need to open an EZ online checking account along with the e-Savings to get the bank fees waived on this one.
o I also have an ING Direct Orange Savings Account, which is now up to 4.50%. If you would like, I can send you a referral and you can earn $25 for opening an account with a minimum opening balance of $250 (hey, it’s good if you want a quick 10% return!) Just email me if you’re interested (see sidebar for email).
It only takes 10 minutes to set one of these up (literally!). All you need is your personal info and your regular bank checking account info. And you’ll immediately be making 6 to 9 times the national savings average! It’s easy. Do it.
Finally, I recommend you always continue learning about financial stuff and keep up your financial intelligence. For something you can read daily, check out the master of all personal finance and entrepreneurship bloggers, Ramit Sethi, at IWillTeachYouToBeRich.com. Read his 5 Steps To Getting Rich first, and then he’ll lead you through budgeting, saving, investing, and retirement. Read my one-on-one interview with Ramit Sethi. Also check out J.D. Roth’s Get Rich Slowly.
I’ve saved the best for last. If you can master even one of these, you’ll have a head-start on your friends. Master all four, and you’ll be on the road to wealth. No kidding.
* Spend less than you earn. Don’t earn much? Then don’t spend much. If your spending and income are roughly even, you have two choices: earn more or spend less. When I was in college, I worked as many as four jobs at once. This gave me a lot of spending cash. (Unfortunately, I didn’t do a good job with the spend less part of the equation.)
* Be an outstanding employee. Good work habits can pay enormous dividends, leading to recommendations and contacts that you can use after you’re out of school. Several of my classmates turned work-study jobs into launching pads for future careers.
* Start your own business. Can you install a hard drive? Can you strip a computer of spyware? Can you perform minor car repairs? Do you have a pickup truck you could use to haul furniture? Are you a passable guitar player? Charge cheap rates and exceed expectations. Word will spread. When you’ve built up a customer base, you can raise your rates a little. This is an awesome way to make money.
* Learn to invest. Find a discount broker and begin making regular investments. Sharebuilder is a great choice for college students. It costs only $4 to make a scheduled stock purchase, and you can invest any amount of money, even $20. Don’t obsess over the details yet. You can worry about high returns and low fees later. Right now the most important thing is to develop the investment habit. (Ad: Buy Stocks for $4 at ShareBuilder.) Ten years from now, you’ll thank yourself. If you can find a way to invest $1000 a year for the next ten years, you can set yourself up for life. No joke.
ShareBuilder-Welcome page
You’re ahead of the game just by reading this list. Now do yourself a favor: subscribe to Get Rich Slowly via RSS or via email (see the sidebar). Then go visit I Will Teach You to Be Rich. Ramit’s advice is targeted directly at young adults.
Also, if you can find it, pick up a copy of Young Money, a magazine for college students. (Browse the magazine’s archive of money management articles online.) Finally, download the free PDF “40 Money Management Tips Every College Freshman Should Know” from Scholarship America.
* Spend less than you earn. Don’t earn much? Then don’t spend much. If your spending and income are roughly even, you have two choices: earn more or spend less. When I was in college, I worked as many as four jobs at once. This gave me a lot of spending cash. (Unfortunately, I didn’t do a good job with the spend less part of the equation.)
* Be an outstanding employee. Good work habits can pay enormous dividends, leading to recommendations and contacts that you can use after you’re out of school. Several of my classmates turned work-study jobs into launching pads for future careers.
* Start your own business. Can you install a hard drive? Can you strip a computer of spyware? Can you perform minor car repairs? Do you have a pickup truck you could use to haul furniture? Are you a passable guitar player? Charge cheap rates and exceed expectations. Word will spread. When you’ve built up a customer base, you can raise your rates a little. This is an awesome way to make money.
* Learn to invest. Find a discount broker and begin making regular investments. Sharebuilder is a great choice for college students. It costs only $4 to make a scheduled stock purchase, and you can invest any amount of money, even $20. Don’t obsess over the details yet. You can worry about high returns and low fees later. Right now the most important thing is to develop the investment habit. (Ad: Buy Stocks for $4 at ShareBuilder.) Ten years from now, you’ll thank yourself. If you can find a way to invest $1000 a year for the next ten years, you can set yourself up for life. No joke.
ShareBuilder-Welcome page
You’re ahead of the game just by reading this list. Now do yourself a favor: subscribe to Get Rich Slowly via RSS or via email (see the sidebar). Then go visit I Will Teach You to Be Rich. Ramit’s advice is targeted directly at young adults.
Also, if you can find it, pick up a copy of Young Money, a magazine for college students. (Browse the magazine’s archive of money management articles online.) Finally, download the free PDF “40 Money Management Tips Every College Freshman Should Know” from Scholarship America.
