309Useful websites

ABC Online www.abc.net.au/ 221

ABW Enterprise Education www.abw.org.au/ 307

ACNielsen Australia www.acnielsen.com.au/ 296

ACTU www.actu.asn.au / 108

Advertising Standards Bureau www.advertisingstandardsbureau.com.au/ 145

All-Teen-Clothing.com www.all-teen-clothing.com/ 156

Amnesty International www.amnesty.org.au/ 220, 277

Anglicare Welfare Services www.anglicare.org.au/ 200

Anglicare Youth Services www.anglicare.asn.au/services/youth/youth.shtml/ 188

ANZ Bank www.anz.com.au/ 160

Ark www.users.fl .net.au/~ark 219

Asia-Pacifi c Economic Cooperation group www.apecsec.org.sg/ 184

AusAID www.ausaid.gov.au/ 182

Ausfl ag www.ausfl ag.com.au/ 219

AUSTCARE www.austcare.org.au / 277

Australasian Legal Information Institute www.austlii.edu.au/ 261

Australian Bureau of Statistics www.abs.gov.au/ 87, 95, 272, 273, 306

Australian Business Register www.abr.gov.au/ 302

Australian Chamber of Commerce and Industry www.acci.asn.au/ 219

Australian Child Protection Alliance www2.hunterlink.net.au/~derf/acpa/ 219

Australian Competition and Consumer Commission www.accc.gov.au/ 57, 306

Australian Conservation Foundation www.acfonline.org.au/ 220, 277

Australian Council of Social Service www.acoss.org.au/ 210

Australian Council of Trade Unions www.actu.asn.au/ 93, 103, 108, 219

Australian Customs Service www.customs.gov.au/ 15

Australian Electoral Commission www.aec.gov.au/ 217

Australian Federal Treasury www.treasury.gov.au/ 273

Australian Labor Party www.alp.org.au/ 212

Australian Medical Association www.ama.com.au/ 219

Australian National Credit Union www.australiancu.com/ 160

Australian Network of Practice Firms www.anpf.cit.act.au/ 307

Australian Nursing Federation www.anf.org.au/ 219

Australian Safety and Compensation Council www.ascc.gov.au/ 306

Australian Securities and Investments Commission www.asic.gov.au/ 52, 58, 302

Australian Stock Exchange www.asx.com.au/ 125, 127, 160

Australian Taxation Offi ce www.ato.gov.au/ 306

Australian WorkPlace www.workplace.gov.au/ 306

Avanti www.avantibikes.com/ 28

Banking and Financial Services Industry Ombudsman Scheme ABIOWweb/abiowebsite.nsf/ 160

Baptist Community Services www.bcs.org.au/ 200

BT Financial Group www.btonline.com.au/ 127

BTOnline education www.btonline.com.au/education 127

Bureau of Crime Statistics and Research www.lawlink.nsw.gov.au/bocsar/ 66

Business Council of Australia www.bca.com.au/ 219

Business Entry Point www.business.gov.au/ 300, 306

Centacare Catholic Community Serviceswww.centacare.org.au/ 200

Centrelink www.centrelink.gov.au/ 188

CHOICE www.choice.com.au/ 29, 121

Citibank www.citigroup.com.au/ 45

Clean Clothes Campaign www.cleanclothes.org/ 178

Clean Up Australia www.cleanup.com.au/ 277

Commonwealth Bank www.commbank.com.au/ 45, 160

Commonwealth Ombudsman www.comb.gov.au/ 22

Commonwealth Senate www.aph.gov.au/senate/general/constitution/ 67

Community Aid Abroad www.caa.org.au/ 178, 220

Community Justice Centres www.lawlink.nsw.gov.au/cjc.nsf/pages/mediateindex 260

Consumer Credit Code www.creditcode.gov.au/ 52

Consumers Online www.consumersonline.gov.au/ 18, 29, 154

Country Women’s Association of Australia www.cwaa.org.au/ 277

CPA Australia www.cpaaustralia.com.au/ 306

Create Your Future www.createyourfuture.org.au 188

Cybersmart Kids www.cybersmartkids.com.au/ 154

Department of Employment and Workplace Relations www.dewr.gov.au/ 89

Department of Foreign Affairs and Trade www.dfat.gov.au/ 168, 183, 233, 234

DFAT Travel Advisories www.smartraveller.gov.au/ 233,234

Diabetes Australia www.diabetesaustralia.com.au/ 219

Eastbay www.eastbay.com/ 156

EGarage www.egarage.com.au/ 199

Electrical Trades Union www.etunsw.asn.au/ 219

Entrepreneur Business Centre www.ebc.com.au/ 300, 306

Esandawww.esanda.com/business/fi nance/ 299

Federal Privacy Commissioner of Australia www.privacy.gov.au/ 157

Festival of Light www.fol.org.au/ 219

FIDO www.fi do.asic.gov.au/ 14

Financial Planning Association www.fpa.asn.au/ 51

Flight Centre www.fl ightcentre.com.au/ 226

Useful websites

310 Commerce.dot.com

Fortune www.fortune.com/ 177, 313

Friends of the ABC www.fabcnsw.org.au/ 219

Friends of the Earth www.foe.org.au/ 219

Garage Sale Listings www.garagesale.com.au/ 199

Global Exchange www.globalexchange.org/ 183

Governor-General www.gg.gov.au/ 71

Greening Australia www.greeningaustralia.org.au/ 277

Greenpeace www.greenpeace.org.au/ 220, 277

Greens www.greens.org.au/ 214

Gun Control Australia www.guncontrol.org.au/ 219

Harvey World Travel www.harveyworld.com.au/ 226

Human Rights and Equal Opportunity Commission www.hreoc.gov.au/ 105

Human Rights Council of Australia www.hrca.org.au/ 219

Illawarra Mutual Building Society www.imb.com.au/ 45

Information Habitat habitat.igc.org/treaties/ 177

ING Direct www.ingdirect.com.au/ 160

International Alliance of Women www.womenalliance.com/ 277

International Committee of the Red Cross www.icrc.org/ 277, 279

International Federation of Red Cross and Red Crescent Societies www.ifrc.org/ 279

International Labour Organisation www.ilo.org/ 178

International Red Cross and Red Crescent Movement www.redcross.int/ 279

Job Guide www.jobguide.dest.gov.au/ 90

Landcare www.landcareaustralia.com.au/ 277

Law Society of New South Wales www.lawsociety.com.au/ 66

LawAccess NSW Online www.lawaccess.nsw.gov.au/lawaccess.asp/ 64

Lawlink NSW www.lawlink.nsw.gov.au/ 63

Lawstuff www.lawstuff.org.au/ 26, 193, 255

Leaving Care Guide www.acwa.asn.au/LCWP/ptlcsite/HomePage.html 188

Liberal Party www.liberal.org.au/ 213

London Stock Exchange www.londonstockexchange.com/ 170

Lonely Planet www.lonelyplanet.com/ 226

Macquarie Bank www.macquarie.com.au/ 45

Maternity Coalition www.maternitycoalition.org.au/ 219

MAUS Business Systems www.maus.com.au/ 300

MBF www.mbf.com.au/ 196

Mission Australia www.mission.com.au/ 200

Money Manager www.moneymanager.com.au/ 49, 58

National Association of Forest Industries www.nafi .com.au/ 219

National Australia Bank www.national.com.au/ 160, 299

National Farmers’ Federation www.nff.org.au/ 219

National Occupational Health and Safety Commission www.nohsc.gov.au/ 306

National Party www.nationals.org.au/ 214

National Tertiary Education Union www.nteu.org.au/home 219

Network Ten www.ten.com.au/index.aspx/ 221

Nike www.nike.com/ 178

ninemsn www.ninemsn.com.au/ 221

NRMA www.nrma.com.au/ 196, 219

NSW Anti-Discrimination Board www.agd.nsw.gov.au/adb 101

NSW Attorney-General’s Department www.lawlink.nsw.gov.au/ 261

NSW Attorney-General’s Department: Victims of crime www.lawlink.nsw.gov.au/vs\VOClink.nsf/pages/index/ 256

NSW Department of Commerce: Offi ce of Industrial Relations www.industrialrelations.nsw.gov.au/ 93, 105

NSW Drug Court www.lawlink.nsw.gov.au/drugcrt 247

NSW Legal Aid Commission www.legalaid.nsw.gov.au/ 77

NSW Offi ce of Fair Trading www.fairtrading.nsw.gov.au/ 7, 10, 21, 25, 26, 32, 154, 163, 193, 303

NSW Offi ce of Fair Trading: MoneyStuffwww.moneystuff.fairtrading.nsw.gov.au/ 26, 163

NSW Rural Fire Service www.bushfi re.nsw.gov.au/ 289

NSW Tenants www.tenants.org.au/ 193

Offi ce of the Employment Advocate www.oea.gov.au/ 93

Offi ce of the NSW Sheriff www.lawlink.nsw.gov.au/ots.nsf/pages/juryindex/ 64

Offi ce of the Privacy Commissioner of Australia www.privacy.gov.au/ 157

Optus www.optus.com/ 137

Passports Australia www.passports.gov.au/ 231

Pilot Guides www.pilotguides.com/ 226

ProBono www.probonoaustralia.com.au/new/home.asp/ 284

Public Service Association of NSW www.psa.labor.net.au/ 219

Reach Out! www.reachout.com.au/ 188

Redfern Legal Centre www.rlc.org.au/ 193

Register of Encumbered Vehicles in New South Wales www.revs.nsw.gov.au/about/details.html/ 21

Relationships Australia www.relationships.com.au/ 277

Reserve Bank of Australia www.rba.gov.au/ 265

Right to Life Australia www.rtlaust.com/ 219

Rip Curl www.ripcurl.com/ 175, 176

Roy Morgan Research www.roymorgan.com.au/ 296

Royal Life Saving Society www.royallifesaving.com.au/ 289

Royal Society for the Prevention of Cruelty to Animals www.rspca.org.au/ 277

Salvation Army www.salvationarmy.org.au/ 200

Save the Children www.savethechildren.org/ 277

Seven www.seven.com.au/ 221

Shopfast www.shopfast.com.au/ 156, 159

Small Business Website (NSW Government) www.smallbiz.nsw.gov.au/ 306

Solo Talk Quiz www.fl yingsolo.com.au/soloquiz 306

St George www.stgeorge.com.au/ 45, 160, 299

St John Ambulance www.stjohn.org.au/ 289

311Acknowledgments

AcknowledgmentsThe publisher and authors wish to thank copyright holders for granting permission to reproduce illustrative material and textual extracts. Sources are as follows:

Grant Kleeman for photographs pp. 5, 11, 12, 13, 15, 20, 40, 61, 74, 107, 112, 119, 123, 135, 136, 137, 139, 140, 144, 189, 191, 208, 215, 221, 227, 231, 236, 237, 248; Avanti Bicycles for photo p.28; Kim Williamson for photographs pp. 29,77,95,197,254,301;Gary Barker for article ‘The Jetson’s supermarket’ p.34; Western Australian Department of Industry and Resources for article ‘Smartcards: the future of shopping’ p. 35 ; Fairfaxphotos for photographs pp. 60, 61, 62, 63, 76, 107, 116, 127, 137, 141, 183, 187, 200, 211, 223, 233, 281, 289, 307; Legal Aid NSW for logo p. 77; ABS data used with permission from Australian Bureau of Statistics pp. 84, 85, 86, 94, 95; Geoff Strong and Angela O’Connor for article ‘Unethical retailers to be shamed in public campaign’ p. 92; Lawstuff website for article p. 102; Peter Munro for article ‘Copping it sweat’ p. 106; ACTU for logo p. 108; Suzanne Carbone for article ‘Product placement; more than just a movie’ p. 138; Newspix for photos on pp. 138, 171, 279; Goodman Fielder for advertisement p. 142; Billabong for advertisement p. 143; Frank Walker for article ‘Meet the web’s biggest hits’ p. 153, ‘PC’s wake up to havoc’ p. 163; Rip Curl for logo and text pp. 173, 174; Oxfam Community Aid Abroad for information p. 177; AUSTCARE for photos pp. 182, 277, and logo p. 277 ; Tim Harding for photograph p.201; National Library of Australia for portraits of G. Whitlam, R. Hawke, P. Keating, J. Howard pp. 212, 213; ALP for logo p. 212; Liberal Party for logo and portraits of R. Menzies and M. Fraser p. 213; National Party for logo p. 213; Australian Democrats for logo p. 213; The Greens for logo p. 214; Peter Lewis for photograph and three cartoons pp. 222, 223; David Hamper for photograph p. 229; Royal Life Saving Society for logo p. 289; AC Nielsen for logo p. 296; Roy Morgan Research for logo p. 296; Shayne Hendren for interview p. 301; Joe Latty (published on fl ickr) for ‘Free Burma’ photo p. 208; Loui Seselja ‘John Howard giving an address at National Press Club’ photo, nla.pic-an23381718 National Library of Australia; Lindsey Thoeng for ‘Kevin Rudd’ photo p. 213; Jeremy Thompson for ‘Kevin Rudd at Sorry Day’ photo p. 211;

Every effort has been made to trace the original source of copyright material contained in this book. The publisher would be pleased to hear from copyright holders to rectify any errors or omissions.

The publisher and authors wish to thank Robyn Anderson, HSIE Co-ordinator, Emmaus Catholic College, and Maureen Anderson, Kambala School, for reading and reviewing the text.

St Vincent de Paul Society www.vinnies.org.au/ 188, 200

STA Travel www.statravel.com.au/ 226

Standard and Poor’s www.standardandpoors.com.au/ 129

State Electoral Offi ce www.seo.nsw.gov.au/ 217

State Emergency Service www.ses.nsw.gov.au/ 289

Sydney Morning Herald www.smh.com.au/ 101, 105, 221

Third World Network www.twnside.org.sg/title/wtomr-cn.htm 182, 183

Triple J www.abc.net.au/triplej/morning/shareholdernation/ethical/default.htm 177

UK Department of Health www.doh.gov.uk/traveladvice/index.htm/ 234

United Nations www.un.org/ 169, 177, 257

US Archives and Records Administration www.archives.gov/ 69

US Department of State www.travel.state.gov/travel_warnings.html/ 234

US National Center for Infectious Diseases www.cdc.gov/travel/ 234

Velo Bicycles www.velo.net.au/ 301

WageNet www.wagenet.gov.au/ 91

West Edmonton Mall www.westedmall.com/home/homepage.asp/ 14

Westpac Banking Corporation www.westpac.com.au/ 160

Wilderness Society www.wilderness.org.au/ 219, 277

Women’s Electoral Lobby Australia www.wel.org.au/ 219

World Vision www.worldvision.com.au/ 277, 290

Yellow Pages www.yellowpages.com.au/ 298

Young Achievement Australia www.yaa.org.au/ 307

Youth Accommodation Association NSW www.spin.net.au/~yaa/vacancyline.html/ 188

Youth.NSW www.youth.nsw.gov.au/ 188

Youth Off The Streets www.youthoffthestreets.com.au/ 280

312 Commerce.dot.com

Index accommodation 189 -192, 235, 236

action plans 286

activist 207

actus reus 242, 245

administrative law 67-69

advertising 20, 134, 136, 144, 148, 303-304

affi rmative action 96, 109

after-sales service see warranty

age of majority 242

agenda 286

aid 181-182

All Ordinaries Index 129

amendment 286, 287

anarchy 60

appreciation 265, 271 -272

Asia-Pacifi c Economic Cooperation group 166, 168

assault 242, 245

assessable income 111, 112

assets 302, 305

AUSTCARE 182, 277

Australian Consumers’ Association 27, 29

Australian Council of Trade Unions 96, 108

Australian Industrial Relations Commission 91

Australian Securities and Investments Commission 52

backup 152

bad credit risk 197, 198

balance sheet 302, 305

ballot paper 215

banking, online 159-160, 299

bankruptcy 57, 302, 306

banner 155

billions 169

blacklist 189

blue-collar worker 82, 84

bond 189

bonds 169, 171, 189

book up 31

borrowing 46-47, 49-50, 118 -120, 270

BPay 31, 159-160

brand 9

broker 169, 172

browser 155, 157

budget 4, 6, 51, 54-57, 194-195

Budget, the 264, 265

burden of proof 60, 242, 245

business cycle see economic cycle

businesses 6, 96, 294-306

button 152

buying see payment methods

Cabinet 204, 205

campaigning 276, 281

capital 264, 295

capital gain 118

capital loss 118

cases 60

cash 30, 123

cash fl ow statement 302, 305

casual employment 82, 87

category killer 8, 12

cheques 30

chief minister 204, 205

citizenship 208

civil law 65, 69, 247-249

classifi eds 189, 190

codifi cation 65

collateral 118

collective wants 4

Commerce 1

commercial econony 1

commission 38, 40

common law 65, 72, 74, 109, 254

community 200, 207, 209-211, 276, 277, 281-282, 289

community conferencing 258-259

companies 298

comparison rate 129

comparison shopping 8, 9

competition 296

complementary goods 8

computer viruses 155, 163

conciliation 258, 259

concurrent powers 65, 68

constitution 67-68, 72, 75, 250, 286, 287

constitutional democracy 204

constitutional law 67-69

consulate 229, 230

Consumer Credit Code 52

consumer price index (CPI) 271

consumer protection 7, 17-19, 20-22, 25, 27, 52

consumer sovereignty 20, 27

consumers 4,16-27

contract 4, 7, 23-24, 189, 191, 242, 248

council 204, 205

courts, personnel 63-64

courts, state and federal 61-63, 258

credit 8, 31, 47-48, 197-198

credit cards 31, 197-198

creditors 295, 299

criminal law 65-67, 244-247

cross-benchers 212, 214

customer loyalty program 8, 12

debt 51, 56

debt collectors 56

debt security 169, 171

decision making 209-211

decree 207, 210

defence lawyer 63, 250, 256

defendant 250, 256

democracy 204, 205, 215-217

demographics 8, 18, 281, 295, 296

depreciation 8, 271-272

deputation 218, 219

deregulation 8, 11, 82, 221, 222

direct action 207

direct debit 30

direct marketing 14, 134, 138, 148

discretionary power 242, 244

discrimination 96, 97, 100-101, 189

dismissal 96, 102-103

disposable income 8, 17, 38, 43

disputes 258-260

diversifi cation 123, 126

dividends 38, 40, 123, 295, 298

divorce 252

domestic tourism 226, 251

domestic violence 186, 251

donkey vote 215, 216

door-to-door sales 21

double ticketing 20

download 152, 153

durable goods 8

duty of care 65, 69

e-commerce 152-163

economic change 266

economic cycle 264, 267-268

economic growth 264, 268

economic links 266-267

economic output 264

economic resources 264

economics 264

economise 194

ecotourism 226

education and training 88-90

electoral commissioner 215, 216

electronic funds transfer (EFT) 31-32

email 152, 153

employee entitlements 82, 252-253

employees 38, 82

employer associations 96, 107, 108-109

employers 38, 82, 96, 107, 108-109

employment 5, 82, 87, 177

anti-discrimination 100-101

awards 91, 92

changes in 83-86

outsourcing 105-106

313Index

privacy 104-105

redundancy 91, 103

types 82, 87

enterprise 264

enterprise agreements 91, 92-93

enterprise bargaining 91, 92

entrepreneur 264, 294

environment 7, 135, 176-177, 273

equal employment opportunity 96, 100-101

equity 118, 119

equity investments 169, 171

equity loan 118, 120-121

ethical investment 118, 121

ethics 65, 73, 118, 134, 135, 143-144, 178-179

exchange rates 169, 180, 237, 271-272

exclusive powers 65, 68

exports 166, 264, 267

external diversifi cation 221, 222

families 250–252

family law 65, 69-70, 77

Federation 215

fees 38, 40

fi nance 299

fi nances 5, 16-17, 56-57, 194

fi nancial advice 51, 57

Financial Services Reform Act 52

fi nancial stability 264, 265

fi nancier 294

fi xed expenses 42, 194

fl exitime 38, 39

focus group 142, 143

franchise 4, 6, 13, 295, 299, 300

fringe benefi ts 82

full-time employment 82, 87

fundamental rights see human rights

gearing 118-120

gender 18, 100-101, 140-141

glass ceiling 96, 101

global business cycle 173, 175

global citizen 281, 282

global community 166-168, 282

global investment 169-172, 180

global market 166-167, 180

globalisation 166, 183

goals 286-288

goods 4, 8

goodwill 295, 299

government 205-206, 210, 302-303

green bans 96, 107

Greens 212, 214

gross domestic product (GDP) see total output

gross income 8, 17

group certifi cate 111, 112

guarantee 18-19

guarantor 189, 242, 248

guardianship 186, 187

guerilla marketing 134, 138

hacker 155, 157

harassment 96, 97

hidden advertising 148

hire purchase 8, 16, 197, 198

human rights 60, 256, 257

Human Rights and Equal Opportunity Commission 96, 100

imports 166, 265, 267

impulse buying 8, 9

income 6, 38-41, 118, 194

income tax 111, 112-114

incorporated associations 295, 298

independent 207, 208

indictable offences 60

individual actions 208, 282

industrial action 96

industrial disputes 91, 93, 109-110

industrial relations 82

industry sectors 83-4

infl ation 265, 268, 271

informal agreements 94

informal networks 189, 190

informal vote 215, 216

inputs 295

insurance 53, 194, 195, 198, 306

interest 38, 40, 123, 126 rates 265, 268-269, 270

interest groups 207, 208, 218-220

international aid 181, 182

international bond market 169

Internet banking see banking, online

Internet service provider (ISP) 155, 156

Internet shopping see shopping, online

Internet 152

investment 44-45, 118-130, 171, 265

international 169-172

portfolio 118

itinerary 229, 235-236

judges 60, 63, 242, 243

junk mail 134, 138

juries 60, 64, 242

labour force 82, 83

labour 264, 265

laissez-faire system 264, 265

land 265

law 7, 52, 60-61, 64-75, 176, 192, 242-261, 302

lawyers 63

lay-by 31

leadership 285

lease 191-192, 295, 299

Legal Aid 76-77

legal capacity 242-243

legally binding decision 60

legitimate 276, 278

liability 4, 6, 242, 302, 305

lifestyle 194, 200, 201

liquidity 4, 6

loans see borrowing

lobbying 286, 288

magistrates 63

maintenance 250, 252

managed funds 125, 127, 169, 172

market economy 264, 265

market research 142, 143, 296

marketing 6, 14, 18, 134, 138, 142-144, 160-161, 303-304

mass marketing 142

mayor 204, 205

media 29, 209, 210-211, 221-223, 227

mediation 76, 77, 109, 258, 259

meetings 286-287

mens rea 242, 245

merchantable quality 20, 25

minimum wage 91, 92

ministry 204, 205

minutes 286, 287

mixed economy 264-265

modem 152

Moir, Alan 222

morality 65, 73

mortgages 46, 47, 118

motions 286, 287

multilateral aid 181

naming rights 134

natural justice 60

needs 4

negative gearing see gearing

negligence 242, 248-249

negotiation 91, 109, 286, 287-288

niche marketing 142

Nicholson, Peter 222

non-durable goods 8

non-government aid 181, 276-280

non-profi t organisations 276-280, 289-290

occupational health and safety 96, 98-99

offences 60, 62

online 152

online banking see banking, online

organisations 283-285

overdraft 295, 299

overtime 38, 39

parliament 204, 205

partnerships 297, 302

part-time employment 82, 86, 87

passport 229, 230

314 Commerce.dot.com

payment methods 6, 9-15, 630-635

penalty rate 38, 39

personal deductions 111, 112

personal loan 46, 47

personal wants 4

petition 207, 208

pickets 96, 110

plaintiff 250, 256

police 258

policies 204, 205

political issues 207

political parties 207-208, 212-214, 218

political power 212

preferences 215, 216

preferential voting 215-217

premier 204, 205

preselection 212, 214

president 204, 205, 286, 287

presumption of innocence 60, 250, 256

price mechanism 265

prices 266, 271-272

primary products 166, 167

prime minister 204, 205

prison 246

private companies 295, 298

prize money 41

product endorsement 134, 136-137

product placement 134, 137-138

product promotion 14, 136, 139, 140, 144, 303-304

products 134

profi t 38, 40, 311

property 123, 126

prosecutor 63, 250, 256

public behaviour laws 242, 243

public companies 295, 298

public housing 186, 188

public relations 276, 278

publicity 139, 221

punishment 245-246

pyramid schemes 21

quorum 286, 287

quotas 166

real time 152, 153

recession 265, 268

record keeping 33, 129, 304-305

Red Cross 279

referendum 65, 75

regulations 207, 210, 302-303

rent 38, 41

repossession 197, 198

residential tenancy agreement 189, 191

residual powers 65

resolution 286

responsibilities 250-257

retail 11-13, 166

returns 38, 40, 123, 125

revenue 302, 304

rights 250-257

risk 123, 125, 302, 306

royalties 38, 41

Rudd, Kevin 211, 213

rules 60-61

Rural Fire Service 289

salary 38, 39

savings 4, 6, 43, 118, 270

second-hand 198

self-employed 82, 83, 87, 294

self-regulation 142, 143

selling 133-141, 146-149, 303-304

services 4, 8, 9

share market 123-125, 127, 170-171

shareholders 38, 40, 295, 298

shares 40, 45, 123-125, 127, 169, 170-171

shelters 186, 188

shoplifting 244

shopping 9-15, 34-35, 195, 197-198

online 14-15, 22, 155-158

sit-in 207

smart card 35

social security 38, 40

sole traders 295, 297, 302

spam 148, 152, 153

specialisation 173

specialized 169

spending 5, 42-43

sponsorship 134, 136-137

standard of living 4

standing orders 286-287

statute law 65, 70-72, 74

statutory rights 65

stock exchange see share market

stocks see shares

strict liability 242, 247

strikes 96, 110

subsidiaries 173

subsistence economy 1

substitute 8

summary offences 60

superannuation 111, 114-115

sweatshop 106, 173, 177

SWOT analysis 295, 296

target markets 142 -143, 295, 296

tariffs 166

task sharing 192

tax havens 173, 179

taxation 111-114, 302, 305

telemarketing 134, 148

tenant 192

term deposits 123

terrorism 239

total output 265, 267, 268, 269

tourism, issues 239

trade 166-168

trade unions 91, 92, 107-108, 207

traders 169

transfer pricing 173, 179

transnational corporations 166, 167, 173-180, 221, 222

travel 226-239

agents 226, 227

insurance 229, 233

planning 226 -233, 235-236

problems 232, 237-238

treasurer 286

treaty 173

tribunals 260

unconscionable conduct 20

unemployment 83, 94-95, 265, 269

unit trusts 118

unskilled work 83

unsolicited goods 21

variable expenses 42, 194

vertical integration 221, 222

viruses see computer viruses

visas 229, 230

voluntary 276

voting 215-217

wage price index (WPI) 271, 272

wage rate 265, 268

wages 38, 39, 91, 92, 265, 268, 269, 271

wants 4

warnings 242, 244

warranty 8, 9, 18-19, 197, 198

website 152

white-collar workers 83, 84

wholesalers 166

witnesses 242, 244, 256

workers compensation 91, 92

workforce fl exibility 83

workplace 96-106, 252-254, 302

workplace disputes 109-110

workplace fl exibility 83

world cities 169

World Wide Web 152