consumer guide Consumer guide to buying household solar panels (photovoltaic panels)

Size: px
Start display at page:

Download "consumer guide Consumer guide to buying household solar panels (photovoltaic panels)"

Transcription

1 cnsumer guide Cnsumer guide t buying husehld slar panels (phtvltaic panels) Husehld use f slar phtvltaic (PV) panel systems has grwn significantly in Australia this decade behind increased awareness f the risk f dangerus climate change, the reduced cst f systems and a range f gvernment incentives t encurage use f the technlgy. Slar pwer systems are nw an affrdable ptin fr Australian husehlds lking t reduce their pwer bills and generate their wn clean electricity. With the increased range f prducts and suppliers n the market, being an infrmed cnsumer has never been mre imprtant. This guide prvides an intrductin t slar PV systems s yu are better equipped t make chices abut a prduct that is right fr yu. Twards the back f the guide there are a series f questins yu can ask yur installer, electricity retailer and distributr t ensure yu have all the infrmatin yu need t make smart decisins. This guide is intended fr peple wh will be cnnecting their system t the electricity grid. Vlume 21: 19 December 2012

2 Cntents Installatin checklist 2 Hw des slar PV wrk? 3 Hw much pwer d systems generate? 4 Hw much d slar panels cst? 5 Australian Standards 6 Warranties and guarantees 6 What gvernment schemes are in place t lwer the cst f purchasing a slar PV system? 7 Small-scale Technlgy Certificates (STCs) 7 Slar Credits 8 Feed-in Tariffs 9 What des the design and specificatin f my system invlve? 13 What size panels shuld I buy? 13 What srt f panels shuld I buy? 14 What angle shuld the panels be n? 15 Shading/Dirt 15 Temperature 15 What is an inverter? What srt shuld I buy? 16 What will happen t my meter at hme? 16 Qutatin/Cntract 18 Questins t ask yur designer/installer 19 What happens after my slar PV system has been installed? 21 Questins t ask yur electricity retailer 22 Questins t ask yur electricity distributr 23 Safety inspectins 23 Dispute reslutin 24 What shuld I d if the cmpany has gne ut f business? 27 Appendix 28 Vlume 21: 19 December 2012

3 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Installatin checklist A step-by-step prcess t having yur slar PV system installed 1. Yu cnduct yur wn research int the benefits f having a slar PV system installed. In particular, yu shuld ensure that yu understand what will happen t yur meter, yur electricity tariff and yur electricity bill befre yu agree t have a PV system installed. 2. Yu cntact several CEC accredited designers/installers t arrange fr a qute. A list f CEC-accredited designers/installers in yur area can be fund at slaraccreditatin.cm.au 3. By asking infrmed questins, (see Questins t ask yur Designer/Installer ), yu then select a CEC accredited designer/installer. 4. The CEC accredited designer/installer designs a PV system t meet yur requirements (see What des the Design and Specificatin f my Slar PV System invlve? ) 5. Yu, r the CEC accredited designer/ installer, apply fr any applicable rebates (see What gvernment schemes are in place t lwer f cst f purchasing a slar PV system? ) 6. Yu, r yur designer/installer, cmplete the cnnectin and apprval prcess fr yur electricity retailer and electricity distributr. This prcess varies between states and territries (see Flwcharts fr the Cnnectin Prcedures f each State and Territry at cleanenergycuncil.rg.au 1 ) 7. The CEC accredited Designer/Installer cmpletes the installatin f yur slar PV system 8. The designer/installer cntacts yur electricity retailer r electricity distributr t arrange fr yur new meter t be installed (see Questins t ask yur Electricity Retailer r Questins t ask yur Electricity Distributr ) 9. An apprpriate qualified prfessinal installs yur new meter 10. Yur slar PV system is nw ready t prduce electricity. 11. Yu enter a Feed-in Tariff Agreement with yur Electricity Retailer (see Questins t ask yur Electricity Retailer ) 12. Depending n which state yu live in, yur lcal electrical authrity may cnduct a safety inspectin f yur slar PV system NB: Please nte this prcess may vary slightly between the states and territries. 2 Vlume 21: 19 December 2012

4 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Hw des slar PV wrk? Slar Phtvltaic (PV) panels are generally fitted n the rf in a nrtherly directin and at an angle t maximise the amunt f sunlight that hits the panels. Slar PV panels n the rfs f hmes and businesses generate clean electricity by cnverting the energy in sunlight. This cnversin takes place within mdules f specially fabricated materials that make up the slar panels. It is a relatively simple prcess that requires n mving parts. In mst cases slar panels are cnnected t the mains pwer supply thrugh a device called an inverter. Slar panels are different t slar ht water systems, which are als munted n husehld rf-tps but use the heat frm the sun t prvide ht water fr husehld uses. The technlgy t cnvert sunlight int electricity was develped in the 19th century, but it was nly in the secnd half f the 20th century that develpment accelerated behind the need t prvide reliable supplies f electricity in remte lcatins frm satellites in space t utback Australia. Slar panels have been installed n the rftps f huses and ther buildings in Australia since the 1970s. Currently there are mre than 600,000 slar panel systems safely and reliably delivering clean electricity acrss Australia. Grid-cnnected slar PV systems Mst suburban hmes in Australia are cnnected t the electricity grid, which uses alternating current electricity (AC). But the electricity generated by slar panels is direct current (DC). That means grid-cnnected (GC) slar PV systems need an inverter t transfrm the DC electricity int AC electricity suitable fr rdinary husehld needs. Huses with slar systems use slar pwer first befre surcing electricity frm the grid. When the panels are nt prducing electricity at night, electricity is supplied frm the existing electricity grid. Fr systems with a battery backup (ptinal), the inverter regulates the charge f batteries. The electricity stred in the batteries can be used at night r during blackuts. 3 Vlume 21: 19 December 2012

5 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Hw much pwer d they generate? The utput f a slar PV system depends n its size. The mst cmmn husehld systems are either 1 kilwatt (kw) r 1.5 kilwatts, althugh sme prperty wners have installed systems f up t 10 kilwatts. The table belw shws the average daily prductin f sme cmmn grid-cnnected systems thrughut Australia. Data Surce: PV-GC spreadsheet based n the CEC GC Design Guidelines Average daily prductin City 1 kw system 1.5 kw 2.0 kw system 3.0 kw system 4.0 kw system system Adelaide 4.2 kwh 6.3 kwh 8.4 kwh 12.6 kwh 16.8 kwh Alice 5.0 kwh 7.5 kwh 10.0 kwh 15.0 kwh 20.0 kwh Springs Brisbane 4.2 kwh 6.3 kwh 8.4 kwh 12.6 kwh 16.8 kwh Cairns 4.2 kwh 6.3 kwh 8.4 kwh 12.6 kwh 16.8 kwh Canberra 4.3 kwh 6.45 kwh 8.6 kwh 12.9 kwh 17.2 kwh Darwin 4.4 kwh 6.6 kwh 8.8 kwh 13.2 kwh 17.6 kwh Hbart 3.5 kwh 5.25 kwh 7.0 kwh 10.5 kwh 14.0 kwh Melburne 3.6 kwh 5.4 kwh 7.2 kwh 10.8 kwh 14.4 kwh Perth 4.4 kwh 6.6 kwh 8.8 kwh 13.2 kwh 17.6 kwh Sydney 3.9 kwh 5.85 kwh 7.8 kwh 11.7 kwh 15.6 kwh The rated utput is that achieved in perfect labratry cnditins. The CEC design summary sftware takes these deratings int accunt when predicting average fr any given system. A typical Australian huse cnsumes arund 18 kilwatt hurs (kwh) per day s a 1-2kW system displaces an average f 25-40% f yur average electricity bill. Slar panels prduce mre energy in summer than they d in winter. 4 Vlume 21: 19 December 2012

6 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Hw much d slar panels cst? The cst f slar panels has cntinued t change ver the past decade behind different gvernment incentive schemes and increased diversity in the panels, inverters and suppliers n the market. Being an infrmed cnsumer is increasingly imprtant. Similar t buying a car r a cmputer, yu ll want t be sure that yur system is a sund investment that best meets yur needs at a reasnable price. It is imprtant t be clear n what yu want frm yur slar PV system. Are yu after a system that will partially ffset yur energy cnsumptin fr 5-10 years befre requiring a system upgrade? Or d yu want a system that will cmpletely ffset yur husehld s electricity use fr the next 25 years? Like buying a secnd-hand car as ppsed t a brand-new sprts car, these tw slar PV systems are bth sund investments depending n yur needs, but will vary significantly in price. The price f yur slar PV system can als be affected by variables including: Gvernment rebates and supprt schemes (these vary in each state) Lcatin Number f panels Orientatin f panels Type f panels Type f inverter System design and cnfiguratin Shipping csts fr equipment and parts Cntractr installatin csts Remval f trees r ther shading Type f rfing (fr example, tiled r tin) Height f rf Site preparatin needs (fr example, cnditin f rf r grund) Structural engineering, architectural, and ther prfessinal services (fr cmmercial systems) Keeping in mind the variables mentined abve, the table belw shws an apprximate guide n price range fr grid-cnnected slar PV systems in the majr capital cities. Gvernment rebates such as Renewable Energy Certificates, Slar Credits and Feed-in Tariffs are included in these figures. Estimated system price System size Estimated price range 1.5 kw $ $ kw $ $ kw $5000- $ kw $ $12,000 Please nte these prices are a guide nly, the actual price yu are ffered fr a slar PV system may vary. Figures are estimates based n market cnditins as at June 2012 and may change due t changed market settings. Prices are inclusive f GST. 5 Vlume 21: 19 December 2012

7 Australian Standards It is imprtant yu ask yur accredited installer t prvide prf that yur panels meet Australian standards. The Clean Energy Cuncil has a frequently updated list f all slar panel and inverter mdels that meet Australian standards. T see the list, please click here 2. Slar PV systems must als cmply with The CEC Design and Installatin Guidelines. Warranties and guarantees Cnsumer guide t buying husehld slar panels (phtvltaic panels) Slar PV panels generally cme with a perfrmance warranty that can last up t 25 years and a guarantee lasting five t ten years. Additinally, panel material warranties and wrkmanship guarantees generally span 5-10 years. It is imprtant t knw wh is prviding the warranty the manufacturer r the imprter. In the absence f a manufacturer, the imprter is respnsible fr the warranty. Hwever, if the imprter changes their business name r sells their business, their warranty bligatins twards yu cease. Ask yur installer wh is prviding the warranty. A system manual that prvides peratin, maintenance and safety infrmatin shuld be prvided by yur installer. This must als include a system energy utput (kwh) estimate. It is imprtant t ensure yu btain written cnfirmatin f statements made by yur installer, including perfrmance claims, guarantees and warranties. Dcumentatin will be essential if yu need t make warranty r insurance claims. What shuld I d if a prduct is faulty while still under warranty? The Clean Energy Cuncil deals with cmplaints invlving a breach f the Clean Energy Cuncil accreditatin guidelines, accreditatin Cde f Cnduct r relevant Australia Standards. Hwever, we are nt empwered t handle issues f a cmmercial nature, such as warranties. As f 1 January 2012 the new Australian Cnsumer Law came int effect which creates a range f new prtectins fr cnsumers in relatin t warranties and faults. T find ut mre abut whether yur slar installatin is cvered by the prvisins f the new law yu shuld visit their website: Failing that, shuld yu have an issue with any slar PV prduct whilst under warranty, yu shuld first cntact the supplier in rder t have the prduct replaced r repaired. If yu are unable t cntact the supplier, yu shuld cntact the manufacturer. Cntact details shuld be prvided n the warranty dcumentatin. If this is unsuccessful, yu will need t ldge a cmplaint with the relevant Fair Trading ffice (smetimes called 'Cnsumer Affairs') in yur state r territry (see list f cntact details n page 24). The Office f Fair Trading can negtiate n yur behalf and arrange mediatin where necessary. 6 Vlume 21: 19 December 2012

8 Cnsumer guide t buying husehld slar panels (phtvltaic panels) What gvernment schemes are in place t lwer the cst f purchasing a slar PV system? There are currently three types f financial assistance ffered fr slar PV systems in Australia: Small-scale Technlgy Certificates (STCs) Slar Credits Feed-in tariffs Small-scale Technlgy Certificates (STCs) Small-scale Technlgy Certificates (STCs) are an electrnic frm f currency created by the Renewable Energy (Electricity) Act 2000 (als knwn as the RET scheme). One STC is equivalent t ne megawatt hur f electricity generated by yur slar PV pwer system. The price f STCs changes accrding t market cnditins. As an wner f a slar PV pwer system, yu can register, sell, trade r surrender STCs fr systems up t 100kW. There are tw ways yu can be paid fr yur STCs: 1. Assign yur STCs when yu purchase yur slar PV system t a registered agent in exchange fr a financial benefit which may be in the frm f a delayed cash payment r upfrnt discunt n yur slar PV panel system (mst cnsumers take this ptin); r 2. Create the STCs yurself by finding a buyer and then selling and transferring them in the Renewable Energy Certificate (REC) Registry. Fr a list f registered agents, cntact the Clean Energy Regulatr 3. STCs may be created fr slar PV systems in batches f either ne, five r 15 year deeming perids. At the beginning f each successive ne r five year deeming perid, the Regulatr (frm the Clean Energy Regulatr) must be satisfied that yur slar PV system is still installed and is likely t remain functinal fr the next deeming perid. In rder t claim STCs fr the full 15 year deeming perid upfrnt which is the mst cmmn ptin - yur designer/installer must be accredited by the Clean Energy Cuncil. Mre infrmatin is available in the RET prcess fr Owners f Small Generatin Units (SGUs) guide published by the Clean Energy Regulatr click here 4. The level f subsidy will depend n a number f factrs, including the lcatin (als knwn as the zne) f the slar PV system, the size f the system and the price f STCs at the time the system was installed. The Australian Gvernment has capped the price f STCs at $40 but the actual value f an STC varies frm day t day. STCs are traded n the STC market meaning the price will vary accrding t supply and demand. Over the past year the price f STCs has ranged between 7 Vlume 21: 19 December 2012

9 Cnsumer guide t buying husehld slar panels (phtvltaic panels) arund $25 t $35. The Clean Energy Cuncil website displays a current STC price n the hmepage at cleanenergycuncil.rg.au Australia is divided up int varius znes based n hw much renewable energy can be generated by a slar panel in a given area. S the same sized system installed in Melburne r Hbart (Zne 4) receives fewer STCs than thse installed in Sydney (Zne 3) r Darwin (Zne 2) because Melburne and Hbart have less sunshine s less slar energy is prduced. The table belw shws the level f financial supprt available frm STCs n slar PV systems in the majr capital cities f Australia. Small-scale Technlgy Certificates Level f financial supprt City Zne Rating System Deeming Perid Ttal STC Ttal Subsidy Size Entitlement Adelaide x 1.5 kw x 15 (years)= 31 $992 (31 STCs x $32) Brisbane x 1.5 kw x 15 (years)= 31 $992 (31 STCs x $32) Canberra x 1.5 kw x 15 (years)= 31 $992 (31 STCs x $32) Darwin x 1.5 kw x 15 (years)= 34 $1088 (34 STCs x $32) Hbart x 1.5 kw x 15 (years)= 26 $832 (26 STCs x $32) Melburne x 1.5 kw x 15 (years)= 26 $832 (26 STCs x $32) Perth x 1.5 kw x 15 (years)= 31 $992 (31 STCs x $32) Sydney x 1.5 kw x 15 (years)= 31 $992 (31 STCs x $32) Zne Rating x Rated Pwer Output (1.5kW) x Deeming Perid (15 years) = Ttal STC Entitlement Figures based n the $32 STC rate as at December 2012.This is an apprximate rate and the STC price will vary. Fr mre infrmatin, cntact the Clean Energy Regulatr 5 Slar Credits As f 1 January 2013, this sectin is nly relevant fr custmers wh meet the requirements as utlined belw. Only slar PV systems installed prir t 1 January 2013 are eligible t receive the slar credit multiplier. If an agreement was entered int prir t 16 Nvember 2012, yu have until 30 June 2013 fr yur system t be installed and still receive the slar credit multiplier. Further details n slar credits can be fund n the Department f Climate Change and Energy Efficiency website 6. The Australian Gvernment sets the level f the slar credits multiplier and reduces it ver time reflecting reductins in the csts f rftp slar panels. Changes are shwn in the table belw. 8 Vlume 21: 19 December 2012

10 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Multiplier fr certificates fr small generatin units Installatin perid Number f multipliers 9 June 2009 t 30 June x 1 July 2010 t 30 June x 1 July 2011 t 30 June x 1 July 2012 t 31 December x 1 January 2013 nwards 1 (ie. n multiplier) Fr example, Adelaide has an STC entitlement f 31 STCs fr 1.5kW capacity (see Smallscale Technlgy Certificates Level f financial supprt table n page 8). Under the slar credits multiplier, the first 1.5 kw is multiplied by 2 (31 x 2 = 62) and then an additinal 31 STC s is given fr the remaining 1.5kW capacity ( =93). The table belw shws the level f financial supprt that yu wuld receive fr installing a 3kW system using the current apprximate STC price f $32 bth with, and withut, the slar credit multiplier. Apprximate level f supprt fr 3kW system 2 x Slar Credits multiplier (systems installed up t 31 December 2012) N Slar Credits multiplier (systems installed frm 1 January 2013) City STCs Apprximate supprt STCs Apprximate supprt Adelaide 93 $ $1984 Brisbane 93 $ $1984 Canberra 93 $ $1984 Darwin 103 $ $2208 Hbart 79 $ $1696 Melburne 79 $ $1696 Perth 93 $ $1984 Sydney 93 $ $1984 Surce: Department f Climate Change and Energy Efficiency 7. Based n the STC price f $32 as at December 2012 Feed-in tariffs Several states have intrduced, r are in the prcess f intrducing, feed-in tariffs. A feed-in tariff pays yu fr electricity generated by yur slar PV system. Under a net feed-in tariff, a premium is paid fr any slar energy that ges back int the grid frm yur huse. S if yu have surplus energy generated by yur slar panels, yu get paid fr it; and if yu use all f the energy yu generate it will be ffset against yur nrmal electricity bill. 9 Vlume 21: 19 December 2012

11 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Under a grss feed-in tariff yu get paid fr every unit f electricity generated by yur slar panels, regardless f whether it ges int the grid r is used by yur husehld. Yu need t apply t yur electricity retailer t receive the feed-in tariff. When signing an agreement with yur electricity retailer, yu need t be infrmed. In particular, yu shuld check with yur electricity retailer abut any tariff changes that will ccur as a result f installing slar and carefully weigh up the advantages and disadvantages befre making a decisin. This shuld be cnsidered befre yu install tariff changes. Imprtant questins t ask abut yur feed-in tariff agreement include: What price will they pay yu fr yur electricity (in cents per kwh)? What is the cst f the electricity yu purchase frm them (in cents per kwh)? Will yu lse yur lwer ff-peak rates by mving nt a higher Time f Use (TOU) tariff? What will be the frm f payment fr electricity yu prduce? It is likely yu will receive the feed-in tariffs yu earn by default as a credit n yur electricity bill rather than cash. What will be the frm f payment fr surplus electricity yu prduce? Will it be cash, cheque r EFT n request? Other imprtant questins t ask when signing an agreement with yur electricity retailer are discussed in further detail later in this dcument. The table belw shws the feed-in tariffs intrduced, r in the prcess f being intrduced, in the varius states, and the savings that culd be made n a 1.5 kw system. These savings are an estimate nly and may vary depending n the size f yur slar PV system, the prducts used, lcatin f the system and hw much electricity yur husehld cnsumes. The actual savings yu make may als vary depending n the electricity retailer yu are with. Fr a mre accurate estimate, yur accredited designer/installer will be able t calculate yur ptential savings as part f their lad analysis. 10 Vlume 21: 19 December 2012

12 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Lcatin Victria Suth Australia Queensland* Queensland Queensland Western Australia Western Australia Western Australia Australian Capital Territry Nrthern Territry Tasmania New Suth Wales New Suth Wales Scheme name New Standard FiT FiT and FiT Premium Slar Bnus Scheme* Slar Bnus Scheme Slar Bnus Scheme Hrizn FiT + REBs Synergy FiT + REBs Renewable Energy Buyback Scheme (REBs) Net metering Grss Generatin Rate Net metering Maximum Benchmark Minimum Benchmark Scheme type Net exprt FiT Net exprt Net Exprt FiT Net Exprt FiT Net Exprt FiT Net Exprt FiT Net Exprt FiT Net Exprt FiT Net 1:1 FiT Grss Exprt FiT Net 1:1 FiT Net Exprt Net Exprt 1.5 kw system under the feed-in tariff schemes* Scheme 2012/2013 Based n 5% f Based n 25% f nature scheme rate electricity being electricity being fed int the grid fed int the grid Annual FiT value Annual FiT & ffset value Annual FiT value Annual FiT & ffset value Based n 50% f electricity being fed int the grid Annual FiT value Annual FiT & ffset value Mandatry 8c per kwh $8 $433 $39 $375 $79 $303 Mandatry 26c per kwh $30 $613 $148 $609 $297 $604 Mandatry 44c per kwh $51 $605 $253 $691 $506 $798 Mandatry + Vluntary 16c per kwh $18 $573 $92 $530 $184 $476 Mandatry 8c per kwh $9 $564 $ 46 $484 $92 $384 Mandatry + Vluntary 50c per kwh $60 $664 $301 $778 $ 602 $920 Mandatry 25c per kwh $30 $634 $151 $628 $301 $619 + Vluntary Mandatry 8c per kwh $10 $614 $ 51 $528 $101 $419 Vluntary 18c per kwh $21 $421 $105 $421 $ 211 $421 Vluntary 22c per kwh $523 $523 $523 $ 523 $523 $523 Vluntary 25c per kwh $24 $485 $121 $485 $242 $485 Vluntary 13c per kwh $9 $566 $43 $483 $85 $379 Vluntary 5c per kwh $5 $563 $27 $467 $53 $347 * This rate is nw clsed t new applicants Disclaimer: The abve table prvides an indicative example f the value frm exprted and ffset energy that culd be expected in average cnditins, based n average rates, fr the Average Australian huse. Cnsumer guide t buying husehld slar panels (phtvltaic panels) Vlume 21: 19 December

13 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Slar generatin statistics are in accrdance with Clean Energy Cuncil estimates fr the regins described but can be expected t vary depending n yur precise lcatin and situatin. Feed in tariffs are in accrdance with latest published data as at August 2012 frm varius prviders. Please nte that sme electricity prviders may prvide mre r less than the rates described in the table. Electricity ffset savings are based n 2012/2013 price data frm the Australian Energy Market Cmmissin (AEMC), r State bdies where significant variatins t rates ccurred subsequent t the publicatin f the AEMC reprt. Please nte that a significant and cnstantly changing variety f ffers fr electricity prices exists and may affect the utcmes represented in the table All electricity rates exclude GST and daily charges which will have an impact n the utcmes. Husehld energy cnsumptin is based n the Average Australian level f 17kWh/day, based n the AEMC reprt. Please nte that many f the schemes described have caps, end dates and/r are subject t change and as such yu will need t check n the availability f these ffers when yu apply. It is als imprtant t nte that sme electricity retailers may, depending n the tariff structure yu are n, ffer higher r lwer rates fr slar energy yu prduce t ffset yur bill and/r exprt t the grid. In States where slar ffers are vluntary, there is n bligatin t prvide a slar ffer althugh in mst cases ffers d exist and thse represented n the table are indicative f cmmn rates. Sme States have ffers that are a cmbinatin f vluntary and mandatry rates. Eligibility rules apply in virtually all circumstances and yu will therefre need t ensure yu are eligible befre prceeding. Please nte that whilst we have endeavured t prvide a sund indicatin f typical situatins arund Australia, yur individual situatin is likely t differ frm these and yu shuld cnsult with yur electricity and service prviders t ascertain yur particular utcme. These rates are residential ffers nly and d nt relate t ffers available fr cmmercial custmers. Fr mre infrmatin n feed-in tariffs cntact yur relevant state gvernment department: State Gvernment Departments State Department Cntact ACT Department f Envirnment, Climate Change, Energy & Water NSW Department f Industry & Investment NT Department f the Chief Minister QLD Office f Clean Energy SA Sustainability & Climate Change TAS Department f Infrastructure, Energy & Resurces VIC Department f Primary Industries WA Office f Energy Vlume 21: 19 December 2012

14 Cnsumer guide t buying husehld slar panels (phtvltaic panels) What des the design and specificatin f my Slar PV System invlve? Accredited Designers / Installers T be eligible fr gvernment rebates, the designer and installer f yur slar PV system must be accredited by the Clean Energy Cuncil. The Clean Energy Cuncil s accreditatin scheme ensures that accredited designers and installers f slar PV pwer systems: have undergne the necessary prfessinal training fllw industry best practice adhere t Australian standards rutinely update their skills and prduct knwledge. Fr a list f accredited prfessinals, please see slaraccreditatin.cm.au. An accredited designer/installer will prvide yu with a slar PV system design and specificatin. This will include things such as: establishing yur electrical lads ver an average day using a lad analysis determining the type f panels determining the size f yur slar PV system deciding the type f inverter establishing the lcatin f slar panels in relatin t angles, available sunlight, shading and temperature. What size slar PV system shuld I install? The size f yur slar PV system will depend n: the physical unshaded area available fr the installatin f yur panels hw much yu are prepared t spend what prtin f yur electrical cnsumptin yu wish t generate. T wrk ut what size slar PV system yu require, yu need t analyse yur husehld s daily electricity cnsumptin. Yur mnthly r quarterly electricity bill measures yur husehld s electricity cnsumptin in kilwatt hurs. Frm this figure, yu can calculate yur average daily electricity cnsumptin, and the average amunt f electricity yur slar PV system needs t prduce t cver yur electricity needs. This prcess will be cmpleted by yur accredited designer during the design and specificatin stage, as part f their lad analysis. What size panels shuld I buy? Slar PV panels cme in different wattages. The main issues are yur budget and whether the slar panels will physically fit in the space yu want t install them. Each slar panel is apprximately 1.6 metres lng and 0.8 metres wide. A 1kW slar panel system will require arund 8-10m² f rf space, and a 1.5kW slar panel system requires arund 12 m². This will vary depending n the type f panel installed n yur rf. 13 Vlume 21: 19 December 2012

15 Cnsumer guide t buying husehld slar panels (phtvltaic panels) What srt f panels shuld I buy? There are three main types f slar panel available, each with their wn benefits. During the design and specificatin stage, yur accredited designer will help yu chse which type is the best t suit yur needs: 1. Mn Crystalline (mncrystalline c-si) These panels are a prven technlgy that has been in use fr ver 50 years. They are cmmnly used where space is limited, r where there are high csts assciated with installing large panels. They have a very slw degradatin, generally lsing % per year. 2. Ply Crystalline (plycrystalline c-si) These panels are similar t Mn Crystalline panels, but the silicn used is Multi-Crystalline which is easier t make. They are cmparable t Mn Crystalline in perfrmance and durability. Slightly mre panels are required t prduce a given amunt f electricity. 3. Thin Film Thin Film panels have been in cmmercial prductin fr ver ten years. These panels are typically mderately larger than the ther panel varieties. In cmparisn with ther panel types, their efficiency des nt drp significantly n ht days. The mst cmmn varieties f Thin Film panels are: Cadmium Telluride Thin-Film panels (CdTe) Cpper Indium Gallium Selenide Thin-Film panels (CIGS) Amrphus silicn Thin-Film panels(a-si) 14 Vlume 21: 19 December 2012

16 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Fr mre detailed infrmatin, please visit the Desert Knwledge Australia Slar Centre at The Desert Knwledge Australia Slar Centre is a live research facility run by Desert Knwledge Australia that tests the perfrmance f different types f slar panels accrding t type and installatin, including thse mentined abve. What angle shuld the slar panels be n? Slar PV panels prduce mst pwer when they are pinted directly at the sun. In Australia, slar mdules shuld face nrth fr ptimum electricity prductin. The rientatin f the panels will ften have a greater effect n annual energy prductin than the angle they are tilted at. A minimum tilt f 10 is recmmended t ensure self cleaning by rainfall. Fr grid-cnnected slar PV pwer systems, the slar panels shuld be psitined at the angle f latitude t maximise the amunt f energy prduced annually. Mst Australian hmes have a rf pitch f 20 t 30. If yur rf s slpe is nt ideal, yur accredited designer can create an apprpriate munting frame t crrect the rientatin and elevatin f yur panel. Failing this, the designer can advise yu n the difference in energy utput fr different tilt and rientatin. Hw much sunlight shuld the panels receive? The amunt f energy in sunlight that a slar PV panel receives ver a day is expressed in peak sun hurs. As the amunt f energy generated by a panel is directly prprtinal t the amunt f energy it receives frm sunlight, it is imprtant t install panels s they receive maximum sunlight. Yur accredited designer will calculate the amunt f energy generated by the slar PV panel frm the peak sun hurs available. Peak sun hurs vary thrughut the year. Shading / Dirt Slar PV panels shuld ideally be in full sun frm at least 9am t 3pm. They shuld nt be placed in shaded areas and be kept free frm dust and dirt. Even a small amunt f shade - frm things like trees, rf ventilatrs r antennas - will have a large impact n the utput f a panel, as it changes the flw f electricity thrugh the panel. Shading r dirt n just ne f the cells in a slar panel results in a lss f pwer frm many cells, nt just the ne that is shaded. Temperature The amunt f electricity a slar PV panel can generate is reduced as temperatures increase. Slar panels perate best at ambient temperatures up t 25 C. Hwever, if the ambient temperature is higher, the panel s utput declines. 15 Vlume 21: 19 December 2012

17 Cnsumer guide t buying husehld slar panels (phtvltaic panels) What is an inverter? What srt shuld I buy? Slar PV panels prduce lw vltage DC electricity. The inverter cnverts this int the AC electricity needed t supply pwer fr standard appliances. The efficiency f an inverter is measured by hw well it cnverts the DC electricity int AC electricity. This usually ranges frm 95% t 97.5% fr mst mdels. Check the inverter s specificatins befre yu purchase. Inverters are sized accrding t the pwer (watts) they can supply. Australian Standards It is imprtant t ensure that yur grid cnnect inverter cmplies with Australian Standards. This is required t be eligible fr the REC s and Slar Credits. Ask yur accredited installer t prvide prf that yur inverter meets Australian standards. The Clean Energy Cuncil has published a list f all grid cnnect inverters that meet Australian standards. T see the list click here 9. Manufacturer guarantees range frm 5 t 15 years. What will happen t my meter at hme? When yur slar PV system is installed yu may need t have a new meter installed. If yu have a traditinal accumulatin meter (with a spinning disk) this will need t be replaced with an interval meter r smart meter. This is because an accumulatin meter des nt recrd the energy yu exprt t the grid r the electricity yu imprt frm the grid. An interval meter r a smart meter prvide half hurly readings f the electricity yu cnsume and the surplus electricity yu generate. The states and territries have cmmitted t the prgressive rllut f smart metering acrss Australia frm While a smart meter is similar t an interval meter in that it recrds electricity usage in 30-minute intervals remtely t yur electricity cmpany, smart meters have a range f additinal capabilities. S if yur new meter is an interval meter, it will need t be replaced again with a smart meter when this rllut ccurs. Depending n where yu live, yur interval meter may be a grss meter r a net meter. If yu are n a grss feed-in tariff scheme, yur grss meter separately measures the ttal electricity cnsumed by yur husehld and the ttal electricity generated by yur slar PV system. Yur electricity cmpany reads the meter and determines the ttal amunt f electricity generated by yur slar panels, regardless f whether it ges int the grid r is used by yur husehld. If yu are n a net feed-in tariff scheme, yur net meter measures yur husehld's electricity and the electricity generated by yur slar PV system tgether. Yur electricity cmpany reads the meter and calculates any surplus electricity fed back int the grid. Yur new meter must be installed by a relevant qualified prfessinal This may be rganised by yur accredited designer/installer; r yur electricity retailer; r electricity distributr. Ask t find ut wh will rganise this fr yu. 16 Vlume 21: 19 December 2012

18 Cnsumer guide t buying husehld slar panels (phtvltaic panels) The installatin f a new meter may affect yur electricity billing rates: The new meters are prvided by yur electricity distributr. The cst f this is passed frm the electricity distributr t yur electricity retailer. Generally, this cst is recvered by yur electricity retailer thrugh increased netwrk charges n yur mnthly electricity bill. Yu may mve frm an ff-peak tariff t a time-f-use (TOU) tariff. A TOU tariff is a pricing structure that changes depending n the time f day yu cnsume pwer. In peak demand perids (day), charges will be higher than cnsumptin during lwer demand perids (night). S while electricity is mst expensive during the day, this will be ffset by yur slar PV system prducing energy during this time als. If yu mve frm an ff-peak tariff t a time-f-use (TOU) tariff, this will particularly affect yur dedicated ff-peak lads, such as ht water, space heating and aircnditining. Yu shuld check with yur electricity retailer abut any tariff changes that will ccur as a result f installing slar and carefully weigh up the advantages and disadvantages befre making a decisin. This shuld be cnsidered befre yur install yur slar PV panels. 17 Vlume 21: 19 December 2012

19 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Qutatin / Cntract Fllwing the design and specificatin yu may request a qutatin fr the design and installatin f the system. The qutatin culd prvide specificatins, quantity, size, capacity and utput fr the majr cmpnents, including: slar PV mdules munting frames structure inverter any additinal metering data-lgging travel and transprt requirements ther equipment needed any trench digging a system user manual. The qutatin shuld als specify a ttal price, tgether with prpsed start and cmpletin dates. The qutatin shuld frm a basis fr yur cntract with the designer/installer. In additin, a cntract fr the supply and installatin f the pwer system shuld be included with the qutatin. The cntract shuld include: an estimate f the average daily electricity utput (in kwh) the estimated annual prductin the estimated prductin in the best and wrst mnths the respnsibilities f each party warranties and guarantees, including installer wrkmanship schedule f depsit and prgress payments. wh is respnsible fr cnnecting yur slar PV system t the electricity grid wh respnsible fr yur meter changever wh is respnsible fr rganising yu t mve t a premium feed-in tariff hw yu will receive yur REC s and/r Slar Credits 18 Vlume 21: 19 December 2012

20 Questins t ask yur designer / installer When signing a cntract with yur designer/installer, yu need t be infrmed. Imprtant questins t ask include: Accreditatin Cnsumer guide t buying husehld slar panels (phtvltaic panels) Is the designer accredited? Is the installer accredited? What are their accreditatin numbers? Ask t see their accreditatin pht ID card Experience Will yur system be designed and installed by an accredited individual? Check the list f accredited installers n the Clean Energy Cuncil website t cnfirm slaraccreditatin.cm.au Cntact the designer/installer's frmer custmers t find ut if they were knwledgeable, easy t wrk with, and tk the time t explain the systems peratin. Als find ut if their systems are wrking well, if there have been any prblems, and, if s, if they returned t fix them. Ask fr the designer/installer business references, and check them, especially if the cmpany's reputatin is unknwn. Hw many systems has the designer/installer cmpleted? Hw many systems similar t yur system has the designer/installer cmpleted? When was the last time the designer/installer cmpleted a system? New prducts are cnstantly entering the market. A designer/installer wh has cmpleted several recent installatins will prbably be up-t-date n the newest prducts and the latest regulatry issues. Quality f Prducts Australian Standards D the mdules yu use meet the Australian Standards? Check the Mdule List n the Clean Energy Cuncil website t cnfirm - slaraccreditatin.cm.au D the inverters yu use meet the Australian Standards? Check the Inverter List n the Clean Energy Cuncil website t cnfirm - slaraccreditatin.cm.au Vlume 21: 19 December

21 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Warranties D sme research n the ther balance f system cmpnents that yur designer/installer suggests, such as the munting hardware. D the prducts meet industry standards? If yu knw f ther peple wh have used these prducts, ask fr their feedback: Are they satisfied? Have they had prblems? What kinds f warranties cme with the prducts? Which warranties are yur respnsibility and which are the manufacturer's? Hw lng have the equipment manufacturers been in the PV industry? Lng warranties are meaningless if the manufacturers aren't arund in five years. If yu have t deal with the panel r inverter manufacturer in the future, d they have an Australian ffice? Service Agreements & Perfrmance Guarantees Paperwrk What perfrmance guarantees d yu get fr the system as a whle? Hw will yu knw if yur system is perfrming t its maximum ptential n a day t day basis? Des the designer/installer prvide sme kind f ptinal service agreement? If prblems arise with yur system, what services will the designer/installer prvide and fr hw lng? Will the designer/installer be readily available t trublesht and fix prblems? If smething ges wrng, wh is respnsible fr repair r replacement csts? Wh is respnsible fr maintaining the system? If yu are respnsible, what kind f training will the designer/installer prvide? Will basic system safety issues be explained? Des the designer/installer handle rganising all the necessary metering changes? Des the designer/installer rganise all the paperwrk fr yur lcal electricity supplier t mve yu t a premium feed-in tariff? Des the designer/installer handle all the REC paperwrk fr yu? 20 Vlume 21: 19 December 2012

22 Cnsumer guide t buying husehld slar panels (phtvltaic panels) References Qute Cntact the designer/installer's frmer custmers t find ut if the they were knwledgeable, easy t wrk with, and tk the time t explain the systems peratin. Als find ut if their systems are wrking well, if there have been any prblems, and, if s, if they returned t fix them. Ask fr the designer/installer business references, and check them, especially if the cmpany's reputatin is unknwn. Des the price quted include r exclude mney received frm RECs? Des the price quted include all the necessary metering changes and paperwrk fr my lcal electricity supplier? Des the qute include all labur, transprtatin and inspectin charges? Des the designer/installer give an accurate estimatin f system prductin with their qutes? Payment Terms Time Frames What are the payment terms? Is there a depsit? When is it required? Is it refundable? D yu need t pay the whle amunt r just the difference after the RECs and/r Feed-in Tariff? What is the lead time frm yur payment t getting electricity frm yur slar PV system? The Final Decisin By installing a slar PV system, yu need t take respnsibility fr it and learn the basic safe peratin and prper maintenance f yur systems. Yu shuld think carefully befre selecting a designer/installer. Online and mailrder slar PV system suppliers wh never visit yur hme may have difficulty recmmending the mst apprpriate equipment. A cmprehensive, n-site slar and lad analysis and tw way interview can help ensure a thughtfully designed and well-planned installatin. What happens after my slar PV system has been installed? Entering int agreement with yur electricity retailer After yur slar PV system has been installed and if yu wish t pt-in t a feed-in tariff, yu will need t enter int an agreement with an electricity retailer. Nt all electricity retailers ffer slar friendly plicies s it is best t check and cmpare the fllwing items prir t entering int an electricity trading agreement. 21 Vlume 21: 19 December 2012

23 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Questins t ask yur electricity retailer What price will they pay yu fr yur electricity (in cents per kwh)? What is the cst f the electricity yu purchase frm them (in cents per kwh)? Will I lse my ff-peak rates nce my meter has been changed? Will this be replaced with a time-f-use (TOU) tariff? Are yu signed nt a premium feed-in tariff rate r a standard feed-in tariff rate? If yur electricity retailer signs yu up t a standard feed-in tariff agreement yu will receive less mney fr the excess electricity yu feed back int the grid. What will be the frm f payment fr electricity yu prduce? It is likely yu will receive the feed in tariff s yu earn by default as a credit n yur electricity bill rather than cash. What will be the frm f payment fr surplus electricity yu prduce? Will it be cash, cheque r EFT n request? Penalty clauses (terminatin csts) Billing / payment perids Are there any ther administratin fees? D yu rganise all the necessary metering changes? If n, refer t Questins t ask yur Electricity Distributr (belw). If yes the fllwing questins apply: Is yur new meter an interval meter r a smart meter? If it is an interval meter it will need t be replaced with a smart meter when the rllut ccurs. Can yu have a smart meter, rather than an interval meter, installed t avid unnecessary meter exchange csts when the smart meter rllut ccurs? Will yur new meter cntinue t measure ff-peak pwer use? Is yur new meter a grss meter r a net meter? What is the cst f yur meter? Is it supplied free f charge? Is there an upfrnt cst? Is the cst recvered thrugh increased netwrk charges n yur mnthly electricity bill? What is the cst f installing yur meter? 22 Vlume 21: 19 December 2012

24 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Questins t ask yur Electricity Distributr D yu rganise all the necessary metering changes? Is yur new meter an interval meter r a smart meter? If it is an interval meter it will need t be replaced with a smart meter when the rllut ccurs. Can yu have a smart meter (rather than an interval meter) installed t avid unnecessary meter exchange csts when the smart meter rllut ccurs? Will yur new meter cntinue t measure ff-peak pwer use? Is yur new meter a grss meter r a net meter? What is the cst f yur meter? Is it supplied free f charge? Is there an upfrnt cst? Is the cst recvered thrugh increased netwrk charges n yur mnthly electricity bill? Safety Inspectins Fllwing the installatin f yur slar PV system, safety inspectins may be carried ut by yur relevant electrical authrity. Depending n which State yu live in, these inspectins may be mandatry r may ccur n a randm audit basis. It is the respnsibility f either yur installer r yur relevant electrical authrity t rganise these inspectins if applicable in yur state. Fr mre infrmatin, please cntact yur relevant electrical authrity frm the table belw. The Clean Energy Cuncil, the Department f Climate Change and Energy Efficiency and the Clean Energy Regulatr als cnduct its wn inspectin prgram. This applies t installatins cmpleted by accredited designers and installers. It ccurs n a randm basis and aims t ensure that slar PV systems meet the Australian Standards and Accreditatin Guidelines. Electrical Authrities State Respnsible Authrity Cntact ACT ACT Planning and Land Authrity VIC Energy Safe Victria TAS Office f Electricity Standards and Safety SA Office f the Technical Regulatr QLD Electrical Safety Office NT NT Wrksafe NSW Office f Fair Trading WA Energy Safe WA Vlume 21: 19 December 2012

25 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Dispute reslutin Clean Energy Cuncil The Clean Energy Cuncil deals with cmplaints invlving a breach f the Accreditatin Rules, Accreditatin Cde f Cnduct r relevant Australia Standards. Fr example, this may invlve: Faulty r pr wrkmanship, such as incrrect wiring, incrrect labeling r damage t yur huse during installatin Use f mdules and inverters that d nt meet the Australian Standards It des nt extend t include Slar PV retailers. It nly applies t individual tradespeple wh hld a Clean Energy Cuncil Slar PV Accreditatin. If yu have a cmplaint f this nature, the Clean Energy Cuncil will require yu t prvide the fllwing infrmatin via the Clean Energy Cuncil nline dispute frm 10 : Full cntact details f all invlved parties A descriptin f the prblem that has led t dispute All relevant infrmatin n any dispute Any actins taken t reslve the dispute Full detail f all interactin with the accredited persn. The Clean Energy Cuncil may decide t appint an investigatr. Where the dispute cannt be immediately reslved, a tribunal will be established t determine the apprpriate actins required t deal with all issues t the satisfactin f the parties invlved. The Tribunal may decide t: 1. Dwngrade r extend the designer/installer s accreditatin t prvisinal; r 2. Suspend the designer/installer s accreditatin; r 3. Put the designer/installer n a year s prbatin; r 4. Cancel the designer/installer s accreditatin either fr a specified perid r fr life. 24 Vlume 21: 19 December 2012

26 Cnsumer guide t buying husehld slar panels (phtvltaic panels) State and Territry Offices f Fair Trading/Cnsumer Affairs If yu have a cmplaint abut a cmmercial matter, yu can cntact the Office f Fair Trading (smetimes called 'Cnsumer Affairs') in yur state r territry. Examples f cmmercial cmplaints include: Disputes t d with price Disputes ver warranty Disputes t d with the terms and cnditins f the agreement with yur electricity retailer Disputes ver the level f service prvided by yur designer/installer Disputes abut the quality f wrk prvided (excluding safety issues) Disputes t d with the verselling f benefits The Office f Fair Trading can negtiate n yur behalf and arrange mediatin where necessary, but it des nt have the pwer t frce yur designer/installer t fix the prblem. State Bdy Cntact ACT Office f Fair Trading (ACT) NSW Office f Fair Trading (NSW) NT Cnsumer Affairs (NT) QLD Office f Fair Trading (QLD) SA Cnsumer and Business Affairs (SA) TAS Cnsumer Affairs and Fair Trading (TAS) VIC Cnsumer Affairs (VIC) WA Cnsumer Prtectin (WA) Electrical Authrities If yu have cncerns abut the safety and technical cmpliance f yur slar PV system, yu can cntact the electrical authrity in yur state r territry wh may arrange fr yur slar panel system t be inspected. State Bdy Cntact ACT ACT Planning and Land Authrity VIC Energy Safe Victria TAS Office f Electricity Standards and Safety SA Office f the Technical Regulatr QLD Electrical Safety Office NT NT Wrksafe NSW Office f Fair Trading WA Energy Safe WA Vlume 21: 19 December 2012

27 Cnsumer guide t buying husehld slar panels (phtvltaic panels) Small claims curts and tribunals If yu have been unable t reslve yur dispute t yur satisfactin with assistance frm either the Clean Energy Cuncil r the Office f Fair Trading, yu can take yur cmplaint t the apprpriate Small Claims Tribunal r Curt in yur state r territry. Yu shuld seek independent legal advice abut whether this ptin is available and suits yur circumstances. State Respnsible Authrity Cntact ACT Small Claims Curt NSW Cnsumer, Trader & Tenancy Tribunal (CTTT) NT Lcal Curt (Small Claims Divisin) Limit is $5,000 and claims must be ldged within 2 years f the event QLD Small Claims Tribunal The limit n small claims is $7, SA Magistrates Curt - Small Claims Deals with disputes f up t $5, TAS Magistrates Curt - Minr Civil Claims Divisin Any dispute claiming $5000 r less VIC Victrian Civil and Administrative Tribunal N limit t the amunt yu may claim WA Magistrates Curt Vlume 21: 19 December 2012

Hearing Loss Regulations Vendor information pack

Hearing Loss Regulations Vendor information pack Hearing Lss Regulatins Vendr infrmatin pack Nvember 2010 Implementing the Accident Cmpensatin (Apprtining Entitlements fr Hearing Lss) Regulatins 2010 The Minister fr ACC, the Hn. Dr Nick Smith, has annunced

More information

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs Guide t Business Cash Advance & Bank Statement Lan Prgrams Cash Advances: $2,500 - $1,000,000 Business Bank Statement Lans: $5,000 - $500,000 Canada Cash Advances: $5,000 - $500,000 (must have 9 mnths

More information

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed?

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed? Q&A What is a cnstructin lan? A cnstructin lan prvides the financing fr the cnstructin f yur new hme. Cnstructin lans may be structured as a single r tw-settlement transactin. Cnstructin lans culd include

More information

MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedford MK40 3HZ Telephone: 01234 242900

MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedford MK40 3HZ Telephone: 01234 242900 MAYFAIR INSURANCE & MORTGAGE CONSULTANTS LTD 11 Lurke Street, Bedfrd MK40 3HZ Telephne: 01234 242900 Please read this dcument carefully as it sets ut the terms n which we agree t act fr ur clients and

More information

NHVAS Mass Management Spot Check Checklist

NHVAS Mass Management Spot Check Checklist Legal Entity Name f NHVAS Operatr: DTMR Representative: Lcatin: NHVAS Mass Management Spt Check Checklist Spt Check Date: Spt Check Number: DMS Number: 540/ The fllwing surces f evidence have been identified

More information

MONTHLY PREMIUM OPTIONS

MONTHLY PREMIUM OPTIONS GROUP FUNERAL SCHEME BROKERS FSP35033 TEL: (021) 919 1861 VOX: 087 808 3007 FAX: (021) 9195072 / 086 628 0359 Email: inf@insurancepartners.c.za Web: www.insurancepartners.c.za Up t R20000 fr all persns

More information

GREEN MOUNTAIN ENERGY COMPANY

GREEN MOUNTAIN ENERGY COMPANY GREEN MOUNTAIN ENERGY COMPANY INDEPENDENT ACCOUNTANT S REPORT ON APPLYING AGREED-UPON PROCEDURES DECEMBER 31, 2012 INDEPENDENT ACCOUNTANT S REPORT ON APPLYING AGREED-UPON PROCEDURES T Green Muntain Energy

More information

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear

7 October 2011. Re: Themed Inspection into Third Party Personal Injury Claims. Dear 7 Octber 2011 Re: Themed Inspectin int Third Party Persnal Injury Claims Dear During 2011 the Central Bank f Ireland ( Central Bank ) undertk a themed inspectin prject in relatin t the prcessing f third

More information

HOW TO SELECT A LIFE INSURANCE COMPANY

HOW TO SELECT A LIFE INSURANCE COMPANY HOW TO SELECT A LIFE INSURANCE COMPANY There will prbably be hundreds f life insurance cmpanies t chse frm when yu decide t purchase a life insurance plicy. Hw d yu decide which ne? Mst cmpanies are quite

More information

IN-HOUSE OR OUTSOURCED BILLING

IN-HOUSE OR OUTSOURCED BILLING IN-HOUSE OR OUTSOURCED BILLING Medical billing is ne f the mst cmplicated aspects f running a medical practice. With thusands f pssible cdes fr diagnses and prcedures, and multiple payers, the ability

More information

Net Metering. Chandra Shah, NREL. May 8, 2014. chandra.shah@nrel.gov 303-384-7557. FUPWG Spring 2014

Net Metering. Chandra Shah, NREL. May 8, 2014. chandra.shah@nrel.gov 303-384-7557. FUPWG Spring 2014 Net Metering FUPWG Spring 2014 Chandra Shah, NREL chandra.shah@nrel.gv 303-384-7557 May 8, 2014 1 Energy Efficiency and Renewable Energy eere.energy.gv Overview Net metering definitin and key cnsideratins

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

More information

This report provides Members with an update on of the financial performance of the Corporation s managed IS service contract with Agilisys Ltd.

This report provides Members with an update on of the financial performance of the Corporation s managed IS service contract with Agilisys Ltd. Cmmittee: Date(s): Infrmatin Systems Sub Cmmittee 11 th March 2015 Subject: Agilisys Managed Service Financial Reprt Reprt f: Chamberlain Summary Public Fr Infrmatin This reprt prvides Members with an

More information

PSI APPLICATION INSTRUCTIONS (PRE-POWERCLERK)

PSI APPLICATION INSTRUCTIONS (PRE-POWERCLERK) PSI APPLICATION INSTRUCTIONS (PRE-POWERCLERK) Prcess Summary Step 1 Step 2 Step 3 Step 4 Step 5 Step 6 Step 7 Step 8 Step 9 Step 10 Find Installer Size System Mail Applicatin Get Reservatin Building Permit

More information

Travel Insurance. Is your insurance company listening to you? Handbook on

Travel Insurance. Is your insurance company listening to you? Handbook on Is yur insurance cmpany listening t yu? If yur cmplaints have nt been addressed by yur insurance cmpany, please cntact t register yur cmplaints and track their status r yu may email us at cmplaints@irda.gv.in

More information

Consumer Complaint Roadmap

Consumer Complaint Roadmap Cnsumer Cmplaint Radmap Step 1. What yu shuld knw befre yu begin. Refund and Exchange Plicies The nly case where a cnsumer has the abslute right t a return is when there is a defect in the prduct. Mst

More information

General Records Authority 33. Accredited Training

General Records Authority 33. Accredited Training General Recrds Authrity 33 2012/00579704 Accredited Training February 2013 This is an accurate reprductin f the authrised recrds authrity cntent, created fr accessibility purpses CONTENTS INTRODUCTION

More information

Symantec User Authentication Service Level Agreement

Symantec User Authentication Service Level Agreement Symantec User Authenticatin Service Level Agreement Overview and Scpe This Symantec User Authenticatin service level agreement ( SLA ) applies t Symantec User Authenticatin prducts/services, such as Managed

More information

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with...

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with... THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT 1. What is cvered by this agreement Yur Emplyment Tribunal claim relating t yur emplyment with... 2. What is nt cvered by this agreement 2.1

More information

Peratr Accreditatin and Services in Queensland

Peratr Accreditatin and Services in Queensland Infrmatin Bulletin PT 204/09.15 Operatr Accreditatin fr Limusine Services What is peratr accreditatin? The Transprt Operatins (Passenger Transprt) Act 1994 requires peratrs f public passenger services

More information

QBT - Making business travel simple

QBT - Making business travel simple QBT - Making business travel simple In business travel, cmplexity csts. S, we ffer less f it. We adpt the latest technlgy and make it simple, transparent and highly persnal. S yu get mre f what yu need

More information

Information Guide Booklet. Home Loans

Information Guide Booklet. Home Loans Infrmatin Guide Bklet Hme Lans This Infrmatin Guide bklet prvides yu with general infrmatin nly. It will als help yu t better understand any recmmendatins we have made fr yu. Infrmatin Guide Hme Lans January

More information

TOWN OF PAYSON WATER DEPARTMENT BACKFLOW PREVENTION PROGRAM CUSTOMER INFORMATION PACKAGE

TOWN OF PAYSON WATER DEPARTMENT BACKFLOW PREVENTION PROGRAM CUSTOMER INFORMATION PACKAGE TOWN OF PAYSON WATER DEPARTMENT BACKFLOW PREVENTION PROGRAM CUSTOMER INFORMATION PACKAGE TOWN OF PAYSON Backflw Preventin Prgram Develpers, Cntractrs and Paysn Residents: An apprved backflw preventin assembly

More information

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy.

Privacy Policy. The Central Equity Group understands how highly people value the protection of their privacy. Privacy Plicy The Central Equity Grup understands hw highly peple value the prtectin f their privacy. Fr that reasn, the Central Equity Grup takes particular care in dealing with any persnal and sensitive

More information

Public consultation paper

Public consultation paper Public cnsultatin paper Nvember 2012 Public cnsultatin n guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners. Please prvide feedback by email t: nmbafeedback@ahpra.gv.au

More information

Extended Major Review of Progress for Doctoral Programs

Extended Major Review of Progress for Doctoral Programs Return the cmpleted frm t: Adelaide Graduate Centre Level 6, 115 Grenfell Street SA 5005 Extended Majr Review f Prgress fr Dctral Prgrams Divisin f the Deputy Vice-Chancellr and Vice-President (Research)

More information

Special Tax Notice Regarding 403(b) (TSA) Distributions

Special Tax Notice Regarding 403(b) (TSA) Distributions Special Tax Ntice Regarding 403(b) (TSA) Distributins P.O. Bx 7893 Madisn, WI 53707-7893 1-800-279-4030 Fax: (608) 237-2529 The IRS requires us t prvide yu with a cpy f the Explanatin f Direct Rllver,

More information

STANDARDS OF THE MINNESOTA LEMON LAW

STANDARDS OF THE MINNESOTA LEMON LAW STANDARDS OF THE MINNESOTA LEMON LAW The fllwing is a brief explanatin f mst relevant prvisins f the Minnesta lemn law. The cmplete text f the lemn law can be fund at Minn. Stat. Ann Sec. 325F.665. VEHICLES

More information

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income:

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income: 126 Sewall Street Augusta, Maine 04330-6822 TTY/Vice: (207) 626-7058 Fax: (207) 621-8148 www.mejp.rg What Happens T My Benefits If I Get a Bunch f Mney? Each prgram, (TANF, SSI, MaineCare, etc.) has its

More information

Using PayPal Website Payments Pro UK with ProductCart

Using PayPal Website Payments Pro UK with ProductCart Using PayPal Website Payments Pr UK with PrductCart Overview... 2 Abut PayPal Website Payments Pr & Express Checkut... 2 What is Website Payments Pr?... 2 Website Payments Pr and Website Payments Standard...

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

More information

COUNTRY REPORT: Sweden

COUNTRY REPORT: Sweden COUNTRY REPORT: Sweden Prepared by: SP Technical Research Institute f Sweden Versin 2.0 Date: April 19, 2011 Address: Bx 857, SE-501 15 Brås, Sweden Tel. : +46 10 516 56 62 Fax : +46 33 13 19 79 E-mail:

More information

Health and Safety Training and Supervision

Health and Safety Training and Supervision Intrductin: Health and Safety Training and Supervisin University f Nttingham is cmmitted t maintaining and develping standards f excellence in all aspects f its business. T that end, the University aspires

More information

Systems Support - Extended

Systems Support - Extended 1 General Overview This is a Service Level Agreement ( SLA ) between and the Enterprise Windws Services t dcument: The technlgy services the Enterprise Windws Services prvides t the custmer. The targets

More information

PLANNING AND HOUSING POLICY ADVISORY PANEL. 30 October 2012

PLANNING AND HOUSING POLICY ADVISORY PANEL. 30 October 2012 PLANNING AND HOUSING POLICY ADVISORY PANEL 30 Octber 2012 Held at Training Rm 1 - Elizabeth Huse, Stratfrd-upn-Avn Meeting cmmenced: 2.00 p.m. Meeting ended: 3.43 p.m. MINUTES Present: Aplgies: Cuncillr

More information

THIRD PARTY PROCUREMENT PROCEDURES

THIRD PARTY PROCUREMENT PROCEDURES ADDENDUM #1 THIRD PARTY PROCUREMENT PROCEDURES NORTH CENTRAL TEXAS COUNCIL OF GOVERNMENTS TRANSPORTATION DEPARTMENT JUNE 2011 OVERVIEW These prcedures establish standards and guidelines fr the Nrth Central

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

YOUR DUTIES AS EXECUTOR

YOUR DUTIES AS EXECUTOR Gibney & Gunsn LAWYERS New Suth Wales & Victria YOUR DUTIES AS EXECUTOR The funeral Yu may be required t make the funeral arrangements. In mst instances, clse family r friends attend t funeral arrangements

More information

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners Guideline August 2013 Prfessinal indemnity insurance arrangements fr enrlled nurses, registered nurses and nurse practitiners Intrductin This guideline has been develped by the Nursing and Midwifery Bard

More information

Service Level Agreement (SLA) Hosted Products. Netop Business Solutions A/S

Service Level Agreement (SLA) Hosted Products. Netop Business Solutions A/S Service Level Agreement (SLA) Hsted Prducts Netp Business Slutins A/S Cntents 1 Service Level Agreement... 3 2 Supprt Services... 3 3 Incident Management... 3 3.1 Requesting service r submitting incidents...

More information

How to put together a Workforce Development Fund (WDF) claim 2015/16

How to put together a Workforce Development Fund (WDF) claim 2015/16 Index Page 2 Hw t put tgether a Wrkfrce Develpment Fund (WDF) claim 2015/16 Intrductin What eligibility criteria d my establishment/s need t meet? Natinal Minimum Data Set fr Scial Care (NMDS-SC) and WDF

More information

Corporate Standards for data quality and the collation of data for external presentation

Corporate Standards for data quality and the collation of data for external presentation The University f Kent Crprate Standards fr data quality and the cllatin f data fr external presentatin This paper intrduces a set f standards with the aim f safeguarding the University s psitin in published

More information

2008 BA Insurance Systems Pty Ltd

2008 BA Insurance Systems Pty Ltd 2008 BA Insurance Systems Pty Ltd BAIS have been delivering insurance systems since 1993. Over the last 15 years, technlgy has mved at breakneck speed. BAIS has flurished in this here tday, gne tmrrw sftware

More information

Getting Ready for Finance

Getting Ready for Finance Getting Ready fr Finance When yur business needs finance it is imprtant t plan yur apprach t ptential lenders prir t making the appintment t present yur applicatin. The reasn fr this is that a well-prepared

More information

SaaS Listing CA Cloud Service Management

SaaS Listing CA Cloud Service Management SaaS Listing CA Clud Service Management 1. Intrductin This dcument prvides standards and features that apply t the CA Clud Service Management (CSM) SaaS ffering prvided t the Custmer and defines the parameters

More information

Accident Investigation

Accident Investigation Accident Investigatin APPLICABLE STANDARD: 1960.29 EMPLOYEES AFFECTED: All emplyees WHAT IS IT? Accident investigatin is the prcess f determining the rt causes f accidents, n-the-jb injuries, prperty damage,

More information

HSBC Online Home Loan Application Process

HSBC Online Home Loan Application Process HSBC Online Hme Lan Applicatin Prcess Versin 1.0 Nvember 2005 Cpyright. HSBC Bank Australia Limited 2005 ALL RIGHTS RESERVED N part f this publicatin may be reprduced, stred in a retrieval system, r transmitted,

More information

In addition to assisting with the disaster planning process, it is hoped this document will also::

In addition to assisting with the disaster planning process, it is hoped this document will also:: First Step f a Disaster Recver Analysis: Knwing What Yu Have and Hw t Get t it Ntes abut using this dcument: This free tl is ffered as a guide and starting pint. It is des nt cver all pssible business

More information

Online Learning Portal best practices guide

Online Learning Portal best practices guide Online Learning Prtal Best Practices Guide best practices guide This dcument prvides Micrsft Sftware Assurance Benefit Administratrs with best practices fr implementing e-learning thrugh the Micrsft Online

More information

Merchant Processes and Procedures

Merchant Processes and Procedures Merchant Prcesses and Prcedures Table f Cntents EXHIBIT C 1. MERCHANT INTRODUCTION TO T-CHEK 3 1.1 Wh is T-Chek Systems? 3 1.2 Hw t Cntact T-Chek Systems 3 1.3 Hw t Recgnize T-Chek Frms f Payment 3 1.3.1

More information

Heythrop College Disciplinary Procedure for Support Staff

Heythrop College Disciplinary Procedure for Support Staff Heythrp Cllege Disciplinary Prcedure fr Supprt Staff Intrductin 1. This prcedural dcument des nt apply t thse academic-related staff wh are mentined in the Cllege s Ordinance, namely the Librarian and

More information

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association Ntice f Prtectin Prvided by Utah Life and Health Insurance Guaranty Assciatin This ntice prvides a brief summary f the Utah Life and Health Insurance Guaranty Assciatin ("the Assciatin") and the prtectin

More information

Handling professional conduct complaints against doctors

Handling professional conduct complaints against doctors Handling prfessinal cnduct cmplaints against dctrs Handling prfessinal cnduct cmplaints against dctrs Handling prfessinal cnduct cmplaints against dctrs Avant supprts: à a natinally cnsistent apprach t

More information

The Importance of Market Research

The Importance of Market Research The Imprtance f Market Research 1. What is market research? Successful businesses have extensive knwledge f their custmers and their cmpetitrs. Market research is the prcess f gathering infrmatin which

More information

Energising Grid Connected Solar PV Systems:

Energising Grid Connected Solar PV Systems: Energising Grid Cnnected Slar PV Systems: April 2011 Change picture accrding t dcument 14 April 2011 ISSUE 3 OPERATIONAL PROCEDURE Energising Grid Cnnected PREPARED BY: GROUP M ANAGER T ECHNICAL S ERVICES

More information

We will record and prepare documents based off the information presented

We will record and prepare documents based off the information presented Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we

More information

The actions discussed below in this Appendix assume that the firm has already taken three foundation steps:

The actions discussed below in this Appendix assume that the firm has already taken three foundation steps: MAKING YOUR MARK 6.1 Gd Practice This sectin presents an example f gd practice fr firms executing plans t enter the resurces sectr supply chain fr the first time, r fr thse firms already in the supply

More information

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Gibney & Gunsn LAWYERS New Suth Wales & Victria YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Nt cvered by the scheme Injuries that ccur n the way t r frm wrk (wrkers wh are injured while driving during

More information

HP ExpertOne. HP2-T21: Administering HP Server Solutions. Table of Contents

HP ExpertOne. HP2-T21: Administering HP Server Solutions. Table of Contents HP ExpertOne HP2-T21: Administering HP Server Slutins Industry Standard Servers Exam preparatin guide Table f Cntents Overview 2 Why take the exam? 2 HP ATP Server Administratr V8 certificatin 2 Wh shuld

More information

HP Point of Sale FAQ Warranty, Care Pack Service & Support. Limited warranty... 2 HP Care Pack Services... 3 Support... 3

HP Point of Sale FAQ Warranty, Care Pack Service & Support. Limited warranty... 2 HP Care Pack Services... 3 Support... 3 HP Pint f Sale FAQ Warranty, Care Pack Service & Supprt Limited warranty... 2 HP Care Pack Services... 3 Supprt... 3 Limited warranty Q: What des a 3/3/3 limited warranty mean? A: HP Retail Pint f Sale

More information

Project Startup Report Presented to the IT Committee June 26, 2012

Project Startup Report Presented to the IT Committee June 26, 2012 Prject Name: SOS File 2.0 Agency: Secretary f State Business Unit/Prgram Area: Secretary f State Prject Spnsr: Al Jaeger Prject Manager: Beverly Maitland Prject Startup Reprt Presented t the IT Cmmittee

More information

Improved Data Center Power Consumption and Streamlining Management in Windows Server 2008 R2 with SP1

Improved Data Center Power Consumption and Streamlining Management in Windows Server 2008 R2 with SP1 Imprved Data Center Pwer Cnsumptin and Streamlining Management in Windws Server 2008 R2 with SP1 Disclaimer The infrmatin cntained in this dcument represents the current view f Micrsft Crpratin n the issues

More information

Software and Hardware Change Management Policy for CDes Computer Labs

Software and Hardware Change Management Policy for CDes Computer Labs Sftware and Hardware Change Management Plicy fr CDes Cmputer Labs Overview The cmputer labs in the Cllege f Design are clsely integrated with the academic needs f faculty and students. Cmputer lab resurces

More information

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM 1. Prgram Adptin The City University f New Yrk (the "University") develped this Identity Theft Preventin Prgram (the "Prgram") pursuant

More information

This document provides instructions on how to complete the Cheque Requisition Form.

This document provides instructions on how to complete the Cheque Requisition Form. Office f the Cmptrller Accunts Payable Divisin f Finance and Administratin Standard Operating Prcedure Cheque Requisitin Effective Date: July 19, 2010 Descriptin: This dcument prvides instructins n hw

More information

Internal Audit Charter and operating standards

Internal Audit Charter and operating standards Internal Audit Charter and perating standards 2 1 verview This dcument sets ut the basis fr internal audit: (i) the Internal Audit charter, which establishes the framewrk fr Internal Audit; and (ii) hw

More information

CLIENT AGREEMENT School Based Trainees

CLIENT AGREEMENT School Based Trainees Smart Emplyment Slutins Ltd t/as Hassle Free Apprentice Management Versin: 04 Date: 01/15 Smart Emplyment Slutins trading as Hassle Free Apprentice Management (ACN 067 508 338) (ABN 68 067 508 338) Email:

More information

Cell Phone & Data Access Policy Frequently Asked Questions

Cell Phone & Data Access Policy Frequently Asked Questions Cell Phne & Data Access Plicy Frequently Asked Questins 1. Wh is eligible fr a technlgy allwance? First and fremst, the technlgy allwance is fr the benefit f the University, rather than fr the cnvenience

More information

Data Protection Act Data security breach management

Data Protection Act Data security breach management Data Prtectin Act Data security breach management The seventh data prtectin principle requires that rganisatins prcessing persnal data take apprpriate measures against unauthrised r unlawful prcessing

More information

SPECIAL CONDITIONS OF SUBSCRIPTION TO DIGITAL CABLE TELEVISION SERVICES OF IPKO TELECOMMUNICATIONS LLC

SPECIAL CONDITIONS OF SUBSCRIPTION TO DIGITAL CABLE TELEVISION SERVICES OF IPKO TELECOMMUNICATIONS LLC SPECIAL CONDITIONS OF SUBSCRIPTION TO DIGITAL CABLE TELEVISION SERVICES OF IPKO TELECOMMUNICATIONS LLC Article 1 Cntents f the Special Cnditins 1.1 These Special Cnditins gvern the rights, bligatins and

More information

Financial advisory and taxation services in Australia

Financial advisory and taxation services in Australia Financial advisry and taxatin services in Australia CPA Australia The Institute f Chartered Accuntants in Australia The Natinal Institute f Accuntants Intrductin: Access t financial and tax advice Cnsumers

More information

March 2016 Group A Payment Issues: Missing Information-Loss Calculation letters ( MILC ) - deficiency resolutions: Outstanding appeals:

March 2016 Group A Payment Issues: Missing Information-Loss Calculation letters ( MILC ) - deficiency resolutions: Outstanding appeals: The fllwing tpics were discussed in the March 24, 2016 meeting with law firms representing VCF claimants. Grup A Payment Issues: We cntinue t fcus n paying Grup A claims in full and are meeting the schedule

More information

Point2 Property Manager Quick Setup Guide

Point2 Property Manager Quick Setup Guide Click the Setup Tab Mst f what yu need t get started using Pint 2 Prperty Manager has already been taken care f fr yu. T begin setting up yur data in Pint2 Prperty Manager, make sure yu have cmpleted the

More information

Customer Support & Software Enhancements Policy

Customer Support & Software Enhancements Policy Custmer Supprt & Sftware Enhancements Plicy Welcme t Manhattan Assciates Custmer Supprt Organizatin (CSO). Staying current n Custmer Supprt & Sftware Enhancements and n a supprted versin f the licensed

More information

Licensing Windows Server 2012 R2 for use with virtualization technologies

Licensing Windows Server 2012 R2 for use with virtualization technologies Vlume Licensing brief Licensing Windws Server 2012 R2 fr use with virtualizatin technlgies (VMware ESX/ESXi, Micrsft System Center 2012 R2 Virtual Machine Manager, and Parallels Virtuzz) Table f Cntents

More information

ELECTRICITY FRC IN WA KEY MESSAGES

ELECTRICITY FRC IN WA KEY MESSAGES ELECTRICITY FRC IN WA KEY MESSAGES REMC has analysed the likely benefits, csts, and issues assciated with implementing electricity full retail cntestability ( FRC ) in WA. This analysis is intended t assist

More information

Phi Kappa Sigma International Fraternity Insurance Billing Methodology

Phi Kappa Sigma International Fraternity Insurance Billing Methodology Phi Kappa Sigma Internatinal Fraternity Insurance Billing Methdlgy The Phi Kappa Sigma Internatinal Fraternity Executive Bard implres each chapter t thrughly review the attached methdlgy and plan nw t

More information

Small Business, Enterprise and Employment Bill: Insolvency fact sheets Contents

Small Business, Enterprise and Employment Bill: Insolvency fact sheets Contents 1 Small Business, Enterprise and Emplyment Bill: Inslvency fact sheets Cntents Directr Disqualificatin and Inslvency General Aims... 2 Administratin: sales t cnnected persns (prepack administratins)...

More information

Financial Accountability Handbook

Financial Accountability Handbook Financial Accuntability Handbk >> Vlume 5 Reprting Systems Infrmatin Sheet 5.2 Preparatin f Financial Statements Intrductin The Financial Accuntability Act 2009 (the Act) and the Financial and Perfrmance

More information

SPECIFIK TERMS AND CONDITIONS OF SUBSCRIPTION TO DIGITAL CABLE TELEVISION SERVICES FOR BUSINESSES OFFERED BY "IPKO" TELECOMMUNICATIONS LLC

SPECIFIK TERMS AND CONDITIONS OF SUBSCRIPTION TO DIGITAL CABLE TELEVISION SERVICES FOR BUSINESSES OFFERED BY IPKO TELECOMMUNICATIONS LLC SPECIFIK TERMS AND CONDITIONS OF SUBSCRIPTION TO DIGITAL CABLE TELEVISION SERVICES FOR BUSINESSES OFFERED BY "IPKO" TELECOMMUNICATIONS LLC Article 1 - Cntents f Special Cnditins 1.1 These Special cnditins

More information

Your application binds neither yourself nor ING Belgium until the loan agreement has been signed in your ING branch, and after verification by ING.

Your application binds neither yourself nor ING Belgium until the loan agreement has been signed in your ING branch, and after verification by ING. Frequently Asked Questins My applicatin fr an ING lan has been accepted. S, where d I have t g t sign the agreements? What is the minimum term fr an instalment lan? What is the maximum term fr an instalment

More information

CCPRF. Request for Proposals. Monitoring Services. November 25, 2009

CCPRF. Request for Proposals. Monitoring Services. November 25, 2009 CCPRF Request fr Prpsals Mnitring Services Nvember 25, 2009 Table f Cntents SECTION I... 1 1.1 INTRODUCTION AND OPPORTUNITY... 1 1.2 OBJECTIVES OF RFP... 1 1.3 STATEMENT OF WORK... 1 SECTION II... 2 2.1

More information

Business Plan Overview

Business Plan Overview Business Plan Overview Organizatin and Cntent Summary A business plan is a descriptin f yur business, including yur prduct yur market, yur peple and yur financing needs. Yu shuld cnsider that a well prepared

More information

June 29, 2009 Incident Review Dallas Fort Worth Data Center Review Dated: July 8, 2009

June 29, 2009 Incident Review Dallas Fort Worth Data Center Review Dated: July 8, 2009 The purpse f this dcument is t capture the events and subsequent respnse t the incident that tk place in the DFW datacenter n 29 June, 2009. I. Executive Summary On 29 June, an area f the Rackspace DFW

More information

In-House Counsel Day Priorities for 2012. Cloud Computing the benefits, potential risks and security for the future

In-House Counsel Day Priorities for 2012. Cloud Computing the benefits, potential risks and security for the future In-Huse Cunsel Day Pririties fr 2012 Clud Cmputing the benefits, ptential risks and security fr the future Presented by David Richardsn Thursday 1 March 2012 WIN: What in-huse lawyers need Knwledge, supprt

More information

In this chapter, you will learn to use net present value analysis in cost and price analysis.

In this chapter, you will learn to use net present value analysis in cost and price analysis. 9.0 - Chapter Intrductin In this chapter, yu will learn t use net present value analysis in cst and price analysis. Time Value f Mney. The time value f mney is prbably the single mst imprtant cncept in

More information

FTE is defined as an employee who is employed on average at least 30 hours of service per week.

FTE is defined as an employee who is employed on average at least 30 hours of service per week. On March 23, 2010, President Barack Obama signed int law cmprehensive health care refrm legislatin, the Patient Prtectin and Affrdable Care Act (H.R. 3590) passed in the Senate. The Health Care and Educatin

More information

Original Date01/04/2011 Revision 1 Date: 02/06/2011 Document Owner: Operations Manager CLIENT AGREEMENT

Original Date01/04/2011 Revision 1 Date: 02/06/2011 Document Owner: Operations Manager CLIENT AGREEMENT GTA Human Resurces Ltd trading as Hassle Free Apprentice Management (ACN 067 508 338) (ABN 68 067 508 338) Email: inf@hfam.cm.au Tp Flr, 3360 Pacific Hwy, Springwd QLD 4127 PO Bx 1696 Springwd QLD 4127

More information

VET FEE-HELP Frequently Asked Questions for Students May 2010

VET FEE-HELP Frequently Asked Questions for Students May 2010 Hw d I apply? VET FEE-HELP Frequently Asked Questins fr Students May 2010 If yu are eligible fr VET FEE-HELP assistance and wuld like t btain a VET FEE-HELP lan, yu shuld btain a Request fr VET FEE-HELP

More information

The Importance Advanced Data Collection System Maintenance. Berry Drijsen Global Service Business Manager. knowledge to shape your future

The Importance Advanced Data Collection System Maintenance. Berry Drijsen Global Service Business Manager. knowledge to shape your future The Imprtance Advanced Data Cllectin System Maintenance Berry Drijsen Glbal Service Business Manager WHITE PAPER knwledge t shape yur future The Imprtance Advanced Data Cllectin System Maintenance Cntents

More information

Access EEC s Web Applications... 2 View Messages from EEC... 3 Sign In as a Returning User... 3

Access EEC s Web Applications... 2 View Messages from EEC... 3 Sign In as a Returning User... 3 EEC Single Sign In (SSI) Applicatin The EEC Single Sign In (SSI) Single Sign In (SSI) is the secure, nline applicatin that cntrls access t all f the Department f Early Educatin and Care (EEC) web applicatins.

More information

Legal Issues Bulletin

Legal Issues Bulletin Legal Issues Bulletin N. 8 reviewed May 2015 Claims fr lss f r damage t persnal prperty and use f private mtr vehicles by staff, parents and students Legal Issues Bulletin 39 - Preparatin and use f accident

More information

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan ARKANSAS STATE BOARD OF NURSING 1123 S. University Avenue, Suite 800, University Twer Building, Little Rck, AR 72204 Phne: (501) 686-2700 Fax: (501) 686-2714 www.arsbn.rg Frequently Asked Questins abut

More information

Frequently Asked Questions About I-9 Compliance

Frequently Asked Questions About I-9 Compliance Frequently Asked Questins Abut I-9 Cmpliance What is required t verify wrk authrizatin? The basic requirement t verify wrk authrizatin is the Frm I-9. This frm is available n the HR website: http://www.fit.edu/hr/dcuments/frms/i-9.pdf

More information

Key Solar Lease Considerations for Landowners Tiffany Dowell Lashmet, Texas A&M Agrilife Extension. To which estate does the sun belong?

Key Solar Lease Considerations for Landowners Tiffany Dowell Lashmet, Texas A&M Agrilife Extension. To which estate does the sun belong? Key Slar Lease Cnsideratins fr Landwners Tiffany Dwell Lashmet, Texas A&M Agrilife Extensin In the last few mnths, I have heard frm several Texas landwners wh have been cntacted by slar cmpanies seeking

More information

UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES

UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES REFERENCES AND RELATED POLICIES A. UC PPSM 2 -Definitin f Terms B. UC PPSM 12 -Nndiscriminatin in Emplyment C. UC PPSM 14 -Affirmative

More information

NAVIPLAN PREMIUM LEARNING GUIDE. Existing insurance coverage

NAVIPLAN PREMIUM LEARNING GUIDE. Existing insurance coverage NAVIPLAN PREMIUM LEARNING GUIDE Existing insurance cverage Cntents Existing insurance cverage 1 Learning bjectives 1 NaviPlan planning stages 1 Client case 2 Enter yur clients existing life, disability,

More information

ERISA Compliance FAQs: Fiduciary Responsibilities

ERISA Compliance FAQs: Fiduciary Responsibilities Brught t yu by Mrris & Reynlds Insurance ERISA Cmpliance FAQs: Fiduciary Respnsibilities The Emplyee Retirement Incme Security Act f 1974 (ERISA) is a federal law that sets minimum standards fr emplyee

More information