Gloass cross

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Across
  1. 2. a person who has agreed to work for a skilled person for a particular period of time and often for lower wages in order to gain knowledge and skills about a particular job — for example, an apprentice plumber
  2. 4. a period of time after a sale contract has been signed, during which the buyer can cancel the contract without receiving a penalty
  3. 8. details the exact condition of a property when new tenants move in
  4. 11. costs those costs that keep on recurring such as rent, mortgage and electricity bills
  5. 13. usually one week’s rent that will reserve the premises for a person while their application for tenancy is being considered
  6. 14. a legal contract between a tenant and a landlord that allows the tenant to use the landlord’s property in return for rental payments. Once a lease is signed, it is a legally binding document
  7. 16. the person who is covered by the insurance policy
  8. 17. a central fund of money that has been contributed by a group of people (e.g. flatmates).
  9. 18. money that is lodged with the Rental Bond Board. It is used to cover any damages or cleaning costs if the rented premises are left in an unsatisfactory condition
  10. 21. the standard agreement between tenants and a landlord when a house or flat is being rented
  11. 22. a list of income and likely expenditures centrelink the main federal government welfare agency. It provides financial assistance as well as counsellors and social workers to those in need
  12. 23. the company that is providing the insurance
  13. 25. plastic card that allows you to buy goods by electronically transferring money out of your account into the store’s account. It can also be used to obtain cash
  14. 27. items that can be used to reduce your assessable income, thus reducing the amount of tax you pay
  15. 29. services largely funded from within the community to provide something that is desirable but not profit making
Down
  1. 1. the things that an insurance policy covers
  2. 3. a unique personal reference number
  3. 5. the payment of an amount of money that covers a person or property in the event of loss, damage or accident so that the person does not suffer a severe financial setback
  4. 6. a loan from a financial institution such as a bank where something is held as security in case the loan is not repaid, e.g. a house
  5. 7. an official copy of your birth registration held by the NSW Registry of Births, Deaths and Marriages, including information such as name and place of birth
  6. 9. expenses that are the same amount every time — for example, monthly rent, or a minimum charge of $40 per month for a mobile phone
  7. 10. one-off costs for setting up a new place to live or a business
  8. 12. a card issued by the government to individuals or families which they can use to access free health care by a doctor and access free health care at a public hospital
  9. 15. the things that an insurance policy will not specifically cover
  10. 19. in a progressive tax system, as a person’s income increases the percentage that is paid in tax also increases
  11. 20. the person who owns the premises being rented
  12. 21. a place of shelter which keeps a person safe and protects them from danger — for example, a youth refuge
  13. 24. an additional tax of 2% of income used to fund the Medicare system
  14. 26. a high-cost, short-term and small amount loan. The borrower agrees to pay back the loan when they receive their next pay
  15. 28. the amount of money to be paid to receive insurance cover