Acquired Brain Injury (ABI)

  ABI is a term that is applied to any type of brain damage occurring after birth, and can include damage sustained from infection, disease, prolonged alcohol or drug abuse, lack of oxygen or even a blow to the head. Furthermore, it is more common than one would think.  According to the ABS, over 700,000 Australians have a brain injury that incurs daily activity limitations, and participation restrictions.  Frighteningly, of these 700,000, approx. 3 out 4 are aged 65 or younger, with almost two thirds of that being acquired before the age of 25.Three quarters of those with ABIs, are

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The Facts About Melanoma

  As Spring is in full swing and the sun is coming out again it is time to think about our skin, particularly melanoma. We hear about Melanoma being the most dangerous type of skin cancer. It may appear as a new spot or as a change in an existing mole or freckle. Over 95 per cent of skin cancers can be successfully treated if they are found early. Did you know that Australia has one of the highest rates of skin cancer in the world? Two in three Australians will be diagnosed with skin cancer by the age of

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Bowel Cancer

On a sad note, we were recently discussing a case where an adviser in the industry passed away after being diagnosed with Bowel cancer. Bowel cancer is dangerous. You can have no health issues whatsoever and then suddenly the dreaded disease can take control of the body. No one should have to go through this and we hope that one day a cure can be found. There are benefits of early detection / screening rather than waiting to turn 50 years old or having  family history that requires a colonoscopy /  gastroscopy  prior to age 50.  It is suggested that

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5 Top Tips To Managing Your Cashflow And Budgeting

Cash flow is king.. it’s a cliché that is synonymous with business accountants alike. But for some reason has been lost within our consumer driven lifestyle of today. Understanding your personal finances is the foundation of reaching any sort of success with your financial goals. It is what enables you to travel, buy investments and even go out with friends. The difference between getting it right early can leap frog you in front of your peers quicker than you think. The stigma attached with cash flow management and budgeting is, that it is boring. There is nothing sexy about budgeting and

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What Is Financial Advice, Financial Planning, Investment Management And Do You Need It?

Sometimes I find it hard to explain what we do and how we charge for it, part of this is due to public misconception and part to where this industry/profession has come from. Most people seeking financial advice expect to pay a fee but they expect their financial dollar return to be greater than that fee – but financial advice is not a transaction and it isn’t an investment service. Financial advice is a service that takes time and expertise, hence the charging of a fee. Not wanting to pay this fee would be like only paying your accountant if

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Introduction to Income Protection Insurance

Income Protection Insurance protects you by paying an ongoing income if you are unable to work due to illness or injury. Benefits Income protection cover pays an ongoing monthly benefit to protect: your lifestyle by replacing your lost salary so you can continue to meet your living expenses and debt repayments, and your wealth by reducing or removing the need to sell assets to generate cash. Without insurance, you may need to run down your savings, sell assets, and/or rely on family or Centrelink for assistance. You may find it difficult to maintain your standard of living or pay for

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