Home' Napier Mail : January 8th 2013 Contents 6 NAPIER MAIL, JANUARY 9, 2013
Escorted Tour from Napier
Prague, Paris, London & stop over in Hong Kong
Vienna, Nuremberg, Cologne
• Flights from Napier to Prague
returning from London
• 14 night river cruise with
all meals & drinks onboard
• 2 nights stopover
in Hong Kong
• 3 nights in Prague
• All sightseeing
• Tour escort
• And much more!
Departs 27 July 2013
Ask us in store for prices!
Terms & Conditions: Based on ying Air New Zealand & British Airways in Economy Class from Napier to Prague & returning from
London. River cruise is based on A & B French Balcony Suite. **$1000 o per person. Sales are valid until 31 Mar 2013 or until the
tour sells out. A non-refundable deposit of $3,000 per person will be required within 7 days of reservation. A Full & Comprehensive
Travel Insurance must be purchased at the time of paying deposit. Final non-refundable and non-transferrable balance is due no
later than 31 Mar 2013. The tour will be escorted by Stephen Jennings, owner/operator of Jennings United Travel, subject to a
minimum of 16 passengers booking and paying in full by the 31 Mar 2013. Prices are subject to change without notice and subject
to availability at time of booking. All cancellation & amendment fees are subject to additional supplier & agent cancellation &
amendment fees. Product in this yer is supplied by suppliers with their own terms & conditions, ask in store for more details. UT1296
Jennings United Travel
86 Tennyson St, Napier
(06) 835 3917
Welcome, Christmas has come and gone again. This is a special
time of the year forus all, and often we throw caution to the wind and
go all out to make sure our family and friends have had a great time.
Afterwards though, and in the cold light of day, reality hits, and
there isoften a problem with gifts that you don't want, bills to pay, and
sometimes that is when the stress really kicks in, so, what do you do
now?? Well, we can help you with that. So, here are a few ideas.
Refunds: Changing your mind. You don't actually have the right to return
goods and ask for a refund, if you have just changed your mind, or if you
decide that you do not like a purchase that you have made. A store doesn't
have to give a refund if you decide that you don't want or like the goods,
or you have purchased clothes that don't fit, or won't match something
else that you already have. But they do have to give you a refund if they
told you at the time of purchase that you could get one.
Terms and conditions of return policies vary from store to store. Some
will say that you (1) have a limited time to return the goods, (2) they can
be exchanged for other goods for a Credit Note. (3) Proof of purchase will
be required, ie. A receipt will need to be produced, or maybe a Credit Card
Statement, which shows that you purchased the item from that particular
store. With clothes, some stores state on their Eftpos receipts that an
exchange can be made, providing that the garments remain in the same
condition in which they were purchased, within so many days of purchase,
different stores state different lengths of time.
Before you purchase something, ask the store about their refund
policy, and make sure you are aware of this. Sale goods and goods on
"Special" differ from store to store.
Shops that say "No Refunds" are illegal, as this misleads consumers
about their rights under the Consumer Guarantees Act.
When buying gifts and you don't know if the recipient will like it or
if it will fit, you can ask the store for an "Exchange" card. Very often
stores will offer these cards when you purchase an item.
Exchange cards usually have an expiry date on them. Make sure
the recipient knows about this. All these tips are covered under the
Consumer Guarantees Act.
Gift Vouchers: A gift voucher is a piece of paper or an electronic
card that can be exchanged for goods or services up to the value written
on or loaded on the voucher. A voucher may also have an expiry date,
so always check to see when you need to use it by.
If you lose a voucher, it's gone, and a store does not have to replace
it. You can often get change or another voucher if it is not used all at
once. This depends on the amount left still available at the time. Always
check the terms of the voucher at the time of use.
If a store goes out of business, the holder of the voucher becomes an
unsecured creditor, and you will only get your money back if there is
any left after the secured creditors have been paid.
If the store has new owners, they probably won't have purchased the
previous owner's liabilities, including honouring your voucher, but you
can always take it in and ask the question!! Some stores will sometimes
honour someone elses voucher if a previous arrangement has been made.
Paying the Bills: Paying the bills, especially at this time of the year
(just after Christmas), can very often present a problem. Try to ensure
when purchasing something that it can be paid for. Eftpos is a good
system, as it comes out of your account straight away.
Paying by Credit Card is a different matter. The Statement comes in at
the end of the month, with the grand total owing at the bottom.. If you
can pay the full amount at the time - so much the better, but only paying a
certain amount each month only adds for "interest" for you to pay later.
It is sometimes difficult making repayments when you are on a low
income, and if things get too bad, then maybe you need some help with
budgeting - and that can be easily arranged.
If you cannot pay the full amount owing say- on a Power account or a
Telephone account. Talk to the Company concerned and try to arrange
for the amount to be paid off at a few dollars each week.
Try not to borrow money from a Finance Company for those smaller
items, as that can often lead to you having to pay a higher amount of
interest over a longer period of time, and will cost a lot more than you
originally borrowed, in the long run. Again, talk to a Budget Service.
A word of advice from the Citizens' Advice Bureau
If you need any further help about anything
at all - please don't hesitate to contact us at
Citizens Advice Bureau on 06 835 9664 or
call free on 0800 367 222 or call in and
see us at the Napier Community Rooms,
Memorial Square, Tennyson Street. We
will be only too pleased to help.
Concert, Forgotten Generation,
8pm, The Cabana, Shakespeare
Adventure race, XRace, 2pm till
midnight, Park Island, Clyde
Jeffery Drive, Napier, $45/$25,
Football, Hawke's Bay United v
Waikato, 2pm, Park Island, Clyde
Jeffery Drive, Napier, $10.
Concert, 4 x Duets, Creative
Napier Summer Series, 4pm,
Napier Soundshell, Marine
Sailing, Laser Sailing National
Championship, 9am, Napier
Sailing Club, West Quay, Ahuriri,
Napier, until January 20.
Concert, Mihirangi, 8pm, The
Cabana, Shakespeare Rd,
Concert, Another Day in Taradise,
Daniel Munro and Chanelle
Davis, 11am, Moana Park
Winery, Puketapu Rd, Taradale,
Concert, Black Snapper and
Waiohiki Unplugged, Creative
Napier Summer Series, 3.30pm,
Taradale Park, Meeanee Rd,
Tombs impart tales
Peaceful tour: Guided tours at the Napier Hill Cemetery are popular in
The annual tours of Napier Hill
Cemetery start again this
Tours will be led by Hawke s
Bay Museum and Art Gallery
curator of archives Gail Pope
and award-winning New Zea-
land author Peter Wells, said
gallery marketing manager
Closed in 1917, the 158-year-
old cemetery tour gives a
glimpse into the life and cus-
toms of its colonial residents.
You will hear about someone
who fell under a train after a
high-spirited picnic, to another
dying from fumes on a burning
ship. You ll see an elaborate
tomb of a poisoned wife, created
by a guilty husband, to the sim-
ple totara gravestones raised by
friends of the departed. she
The tours will be on January
27, February 24 and March 24,
all starting at 2pm. Tickets cost
$12. Funds go towards works
for the Hawke s Bay Museum s
Trust collection and the Napier
Hill Cemetery planting project.
To book contact 835 7781 or
Contact Patrick for all your real estate needs, whether buying or
selling. Free appraisals of where we perceive your property to
be in the market.
Office: 06 872 7041
Mobile: 027 230 2303
Home: 06 877 5096
Open Home: Sat 12th January 10:30-11:00am
Address: 201 Tudor Avenue, Mayfair, Hastings
Great Home and Income
An excellent 3 bedroom 150sqm set on a
1072sqm section. In addition there is a 40sqm
flat, rented for $150pw. There is an extensive
partially fenced rear lawn. Recently reroofed
and sound weatherboard exterior. Heat pump.
Ceiling and under floor insulation. Rental
estimate for the house $340pw, total $490pw.
View more photos and plans at
w w w.propertybrokers.co.nz - HVU28036
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