A review of things you need to know before you go home on Thursday; no retail rate changes, FMA finds life insurance agent issues, Coleman goes, jobs demand rises, QLD beats NZL to 5 mln, swaps slip, NZD firms

Here are the key things you need to know before you leave work today:
MORTGAGE RATE CHANGES No changes to report today.
TERM DEPOSIT RATE CHANGES None here either.
LACKING CARE, DILIGENCE, SKILL The FMA has issued warnings to four registered financial advisers in relation to providing advice on replacement insurance policies, for breaches of the obligation to exercise care, diligence and skill. The warnings were announced in the report the FMA published today into its ongoing review of confli…

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