end of my general insurance

This week I made an important change to my business. As most of you would know my business has been providing accounting, financial planning and general insurance services.

Unfortunately, over the years my workload has dramatically increased due to many changes brought about by the Government in the area of “compliance and training”. This has made it harder for me to try and keep up with the extra training required for each of the three (3) separate licenses.

As a consequence of this I have decided to let go of the “general insurnace business”.

From 1^st October 2012 this business will be transferred to the insurance agency Victorian Insurance Solutions, which is run by couple of experienced insurance agents Carmine Miranda and Nick O’Regan, whom I have known for over 20 years. I am confident they will continue to deliver your general insurance needs in a timely and professional manner.

I take this opportunity to thank all of you that have purchased your general insurance policies form my agency.

IMPORTANT! Please note that this does NOT mean I am retiring – it simply means that in a way I was forced to come to this decision so I can have more time to focus on my accounting and financial planning. I do plan to hang around for many years to come.

Feel free to contact me if you have any questions.

positive life

Last night I was watching the news regarding the funeral of the young Port Adelaide footballer that died in Las Vegas. What a tragic loss of a young person’s life and the sadness it has left behind for his family. And to see his mother’s courage to stand up and talk about her son in such a positive light.

It got me thinking how at funerals we always hear of the positive things that people done, their sense of humour and the many good things they have done.

Have you ever thought about what will be said at your own funeral? Have you done enough good things? have you been funny enough and brave enough during your life?

May be its time we all start doing only positive things in life because after all this is what we all want to be remembered for……….

FixMyBudget

In the line of work that I do, everyday I meet people, be it new clients or existing ones, that for some reason just don’t get it……..they don’t seem to understand that:

YOU CAN NOT LIVE ON CREDIT CARDS!

Just for the record: Credit cards were designed to buy things without using cash. That’s all!  There are no other reasons. I will repeat this: Credit cards were designed to buy things without using cash. There are no other reasons. And yet for some “unexplainable” reason it has become a “financial tool” where people use it to:

• purchase more than they can afford
• delay debts
• (think they can) manipulate the system

Wrong! If you are not managing your credit cards properly then all it will do is help you accumulate debts that over time will bring you down. Make no mistake about this - debts do catch up with people. Just look at how many people are declared bankrupt or lose it all – and most of them start with a small credit card debt.

 IF ARE NOT PAYING OFF THE FULL BALANCE OF YOUR CREDIT CARD BY THE DUE DATE then you need help. BUT HOW DO YOU TEACH PEOPLE “THAT DON’T KNOW WHAT THEY DON’T KNOW”?

 Easy…..I have designed a new FixMYBudget training program that will help you get on top of things. It is an easy “step by step” program that will get you back on track.

Do you think you need help? Feel free to ask for help and my advice…….