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Be
Prepared For Life (and Death)
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Financial planning
can be derailed by major health events. Some
scary statistics for you;
CANCER
In 2008, 20,317 cancers were registered in
New Zealand, an increase of 22% since 1998.
MENTAL HEALTH
47% of the population is predicted to meet
the criteria for a mental health disorder
at some time in their lives.
40% have already done so.
21% have had a disorder in the past 12 months.
HEART
Cardiovascular disease (heart, stroke and
blood vessel disease) is still the leading
cause of death in New Zealand, accounting
for 40% of deaths annually.
Or alternatively illness
or accident; some examples of recent claims
by diagnosis group were Cardiovascular, Loss
of functionality, Musculoskeletal, Neurological,
Pregnancy Complications, Mental Health, and
Sense Organ.
One of the things
we rarely talk about is what will happen to
our dependents should we die. Most people
overestimate the cost of life insurance and
therefore don’t have it. A basic level term
policy for $500,000 can be less than $50 per
month – depending on your age and health.
Let us quote cover
for you by calling (03) 379-7035 or emailing
tamyra@strategies.co.nz.
Make sure you have
the best cover available, contact us for a
review by calling (03) 379-7035, 0800 64MONEY,
or email sheryl@strategies.co.nz.
Or if you have no
cover we can help you by setting up an appointment
to discuss your cover requirements by calling
(03) 379-7035, 0800 64MONEY, or email sheryl@strategies.co.nz.
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Underwear
Sales Increase, Suggesting a Rebounding Economy
From WASHINGTON
- There is an old saying among economists
that the best way to assess the state of the
economy is to look at people's underwear.
OK, there's no such saying. But when he served
as chairman of the Federal Reserve, Alan Greenspan
did use the sales of male underpants as a
way to take the temperature of the country's
economic well being. And if the Maestro were
to take a peek right now, he'd find evidence
that things are gradually improving.
"If you look at sales of male underpants
it's just pretty much a flat line, it hardly
ever changes," NPR's Robert Krulwich
explained of the theory, after Greenspan's
book "The Age Of Turbulence" was
published. "But on those few occasions
where it dips that means that men are so pinched
that they are deciding not to replace underpants.
And [Greenspan] said 'that is almost always
a prescient, forward impression that here
comes trouble.'"
To
read more click here...
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Australia
- Running Out of Luck Down Under
In fact, Australia reminds us in many ways
of the housing bubbles in the UK, Spain and
Ireland. In each case, the country experienced
a banking crisis.
Australian growth has been dependent on two
huge bubbles: a domestic housing market that
is one of the most overvalued in the world
and a reliance on the Chinese fixed asset
investment craze. Despite extraordinary commodity
exports, Australia has run current account
deficits and has a terrible international
investment position. Oversized banks dependent
on external financing, a bursting housing
bubble and a slowing Chinese economy are all
fundamental factors which are likely to weigh
on the currency.
Click here to
read more...
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Seeking
Diversity in the Boardroom
Seeking
diversity in the boardroom.
Do women on company boards make a difference
writes Henri Eliot. Research tells us
about the dynamics of the discussion
and the quality of decision-making when
women are present. It tells us the range
of issues canvassed increases and includes
usefully different perspectives from
female board members.
Read more...
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Half
of the facts you know are probably wrong!
Dinosaurs
were cold-blooded. Vast increases in
the money supply produce inflation.
Increased K-12 spending and lower pupil/teacher
ratios boosts public school student
outcomes. Most of the DNA in the human
genome is junk. Saccharin causes cancer
and a high fiber diet prevents it. Stars
cannot be bigger than 150 solar masses.
And by the way, what are the ten most
populous cities in the United States?
Read more...
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We are
currently accepting new clients. As
you may be aware, we only accept clients
by invitation or referral. Our question
to you is, do you know anyone who might
benefit from our services? If so, please
get in touch. Each referral receives
a thank-you gift.
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For more
than 150 informative articles, visit
our upgraded Money
Maven Blog. Read new and archived
articles covering both serious and amusing
topics.
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Contact
us: 0800 64MONEY, sheryl@strategies.co.nz
Our
Services: Financial Planning
Advice, Investment & Retirement
Advice, Developing a Portfolio, Risk
Management, Mortgages, Options for
over 60's, UK Pension Transfers, KiwiSaver,
Professional Speaking.
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