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Top ten tips for a healthy back

Back pain affects up to 1 in 4 of the Australian population on any one day and is one of our most common health conditions. It can happen at any age and last days or even years.  Here are our top ten tips to keep your back as healthy as possible: Exercise regularly – While walking, swimming, pilates and yoga are all excellent ways to strengthen your back and improve flexibility, any activity is good for you. Choose something that you enjoy to help you maintain your physical activity long term. Keep active and avoid long periods of bed rest

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Thinking about finances in your thirties

Whatever the goal, reaching age 30 is a turning point for many of us. Whilst it may mean life is getting more serious, by the time we’re in our 30’s we’re keen to retain our individuality and remain determined to have fun. With a little planning you can make this age even more enjoyable.   The following stories may inspire you to start now to build a stronger financial future. And now there are three Jake and Sara have just had their first baby and two salaries are now one. Expenses have shot up and together with the emotional challenges

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Protecting The Life (And People) You Love

  With more Australians having children later in life, starting a second family and carrying significant levels of debt well into their 50s and 60s, life insurance has never been more important. Life is full of unexpected twists and turns and you never quite know what is around the corner. Protecting your family against the loss of all the things you have worked hard for over the years is the cornerstone of a sensible strategy to defend your wealth and current lifestyle. Although most people know this, being ‘underinsured’ – or holding insufficient life-related insurance cover – remains common across

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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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The sad reality of 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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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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