Blue Light brings police and youth together to provide young people with positive lifestyle alternatives and strategies to avoid becoming an offender or victim of crime. Visit www.bluelight.co.nz for more info. The underlying factors governing all Blue Light activities is that they must be: • Free from alcohol • Free from drugs • Free from anti-social behaviour • and FUN! Kids, Cops, Community www.bluelight.co.nz New Zealand Blue Light Streetsmart 2020 2 WORKING TOGETHER ... what is blue light? Blue Light was initiated in New Zealand in the mid 1980s after Police members travelled to Australia and witnessed the Blue Light programme being used in Australian communities. Blue Light is a community policing initiative whose goal is to reduce youth crime and to build positive police, youth and community partnerships. This is done by providing young people with a range of well organised and well supervised cultural, sporting, educational, social and entertainment events free from alcohol, drugs and violence. Blue Lights work with young people children and young people up to the age of 24. Blue Light Aims: 1. To encourage better relations between young people and their parents, the police and the community 2. To prevent crime and anti-social behaviour, by exposing young people to positive experiences and a healthy socialisation process in a safe and supervised environment 3. To raise self-esteem amongst young people Participant Objectives: • Reward young people for positive behaviour Sponsored by: • Encourage and assist the development of social skills • Increase personal competence • Enhance social responsibility • Create trust, motivation and leadership • Enhance police and youth partnerships and relationships • Reduce youth crime • Increase feelings of community safety www.bluelight.co.nz 3 Blue Light Programmes Traditionally Blue Light ran dances around the country for young people. While these continue, there are now a range of other events and activities also organised by Blue Light. They include: • Sporting events and competitions such as triathlons and touch- rugby tournaments • Holiday and after school programmes • Behaviour Reward programmes • Driver licencing programmes • Leadership and Life Skills Camps • Outdoor programmes such as camping, canoeing and rock climbing • National events such as ‘Kids Gone Fishin’ fishing days, Rainbows End Fun Days and Police obstacle courses. (In 2017 over 5000 youth participated in these events) What is involved?: • Time • Enthusiasm • Funding • Commitment • Imagination Blue Light Patrons: The Commissioner of Police – Mr Mike Bush The Principal Youth Court Judge – Judge John Walker TV Fishing Show Celebrity – Mr Graeme Sinclair Sponsored by: How do I find out more? To contact your local branch or to see what’s happening in your area check out the Blue Light website on www.bluelight.co.nz, our facebook page at www.facebook.com/nzbluelight or email the Blue Light National Office on [email protected]. www.bluelight.co.nz 4 CONTENTS money 8 Accounts 8 Loans 10 Credit 11 Credit cards and store cards 13 Defaulting 16 Further information 19 behind the wheel 20 Learning to drive 20 Disabilities and driving 23 Buying a used car 23 Paperwork 26 Buying and selling 28 Information about the forms 29 Speed 30 Penalties 30 Safety belts and airbags 31 Suspension of licences 31 Driving offences 33 Driving and alcohol and drugs 34 At the scene of an accident 36 Reporting an accident 37 Motorcycles 38 Bicycles 39 Mopeds 41 Car insurance 44 Further information 48 www.bluelight.co.nz 5 CONTENTS legal stuff 49 My rights 49 Being sued 50 Changing your name 53 Leaving home 53 Marriage 54 Passports 54 Police 55 Sexual assault 57 Family violence 59 Tattoos and body piercings 60 Further information 61 leaving school 62 Left school or about to leave? 62 Deciding on a career 62 The New Zealand tertiary education system 64 Student loans 65 Universities 67 Polytechnics 68 Wãnanga 70 Industry training organisations 70 Private training establishments (PTE) 72 New Zealand apprenticeships 72 www.bluelight.co.nz 6 CONTENTS moving out 73 Moving out of home 73 Renting 74 Money – paying your rent and bond 76 Struggling to make ends meet? 82 Further information 82 healthy body 83 What is a drug? 83 Drug effects 84 Drugs and the law 93 What is alcohol? 95 Cannabis 105 Benzodiazepines 107 ‘P’or meth 109 Ecstasy (MDMA) 111 Heroin 113 LSD 115 Synthetic cannabinoids 117 Synthetic cathinones 119 Smoking kills 120 Further information 127 sexual health 128 All about sex 128 Sexual orientation and gender identity 132 Safer sex and contraception 134 Sexual diseases 138 Cervical screening 142 Pregnancy 143 Further information 144 www.bluelight.co.nz 7 CONTENTS eating disorders 145 Chaotic or restricted eating patterns 145 Possible warning signs 148 Myths about losing weight 150 What do you do if you think you have an eating disorder? 150 Further information 152 healthy mind 153 Becoming independent 153 Anxiety and depression 154 Self-harming, plus suicidal thoughts 155 Suicidal thoughts 156 Stress and relaxation 157 Self-esteem and confidence 165 Further information 168 protecting yourself 169 Out and about 169 Safety tips 172 Ten core concepts of personal safety 175 Further information 178 cyber safety 179 Your online life 179 Further information 192 www.bluelight.co.nz 8 MONEY MONI accounts How can Handling Money I open a bank There are many different kinds of accounts available to you, from basic account? savings accounts that earn interest to transaction accounts with keycards for ATM access. Many accounts incur fees, which are generally charged monthly. Since all banks and their accounts differ, it is a good idea to shop around for the most appropriate account type and ‘deal’ for you. You can contact a bank by phone or the Internet to find out about the accounts and fees they offer. Most banks cater for their younger customers with accounts suited to younger people’s needs. Opening an account You can open a bank To open any new account the bank will require several important account in your name details from you. Apart from details like your name, address and your over the phone, on the occupation, you’ll need to supply the following information: internet or by visiting your local branch. • The name you wish the account to be in • The name and residential address of all people who will operate the account (signatories) • Any other name that you or the account’s other signatories may be known by (such as a stage name or maiden name). If this is your first account with your chosen bank It’s required that everyone who opens an account, along with all signatories to the account, must be identified, so if you’re opening an account for the first time the following requirements apply to you. You will be required to supply the bank with two forms of identification. These forms of identification have been divided into two categories: www.bluelight.co.nz MONEY / MONI accounts 9 putea Primary Identification – photograph identification i.e. driver’s licence or passport. Secondary Identification – non-photograph identification i.e. birth certificate, community services card. You are required to supply at least one form of identification from each category. You will need to provide proof of your address when opening a bank account. How do I open an Minimum deposit account? This varies from bank to bank. Most banks request that you deposit $50 to open an account, however, some banks will allow a smaller deposit depending on your circumstances. Student accounts Most banks offer a student or tertiary banking package. This is of great advantage to a student as most banks offer: 1. No account fees 2. An interest-free overdraft of up to $1000 with no set-up fee 3. A set term credit card with no account fees (you still pay the You will require 2 forms interest though). of identification. One must be a primary ID & Note: To apply for a tertiary overdraft or credit card you need to supply the other a secondary ID. You will need to provide evidence of income such as a confirmation of student loan or allowances, proof of your address. a payslip or a letter from your employer. Shop around the banks to see which offer is the best for you. Note: To use telebanking Accessing bank accounts and internet banking you must first register with the Today’s banking is easier than ever. To access account information you can bank to gain your personal use any of the following: security codes, which will open access to your accounts. With internet • A visit to the bank and speaking to a teller banking you are able to • The cash flow or ATM machines check your bank balances, • The telephone using telephone banking transfer money and pay bills from anywhere in the world. • The internet and internet banking • Smart Devices e.g. iPhone For bank details and support services please refer to the end of this chapter. www.bluelight.co.nz MONEY / MONI 10 loans moni awhina loans Needing a Loan The first thing to look at when deciding on a loan is whether a How do you know fixed rate of interest or a variable rate of interest applies. what loan is Fixed interest rates will remain the same for a set period of time. best for you? This should be stipulated in the credit contract. Variable interest rates will move up or down depending on the market. Fixed interest rate loans will give you greater control over your finances because the repayment amount will remain the same for the fixed interest period. However, generally with fixed interest rate loans you will not be allowed to make more than the agreed repayments (pay off the loan quicker), without incurring a penalty.