tag:blogger.com,1999:blog-82382042647713363052024-03-24T23:10:17.622-07:00Financial FreedomRob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.comBlogger113125tag:blogger.com,1999:blog-8238204264771336305.post-37181457230805282562016-08-04T19:45:00.002-07:002016-08-04T19:45:34.213-07:007 Mistakes People Make When Buying Insurance<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Financial advisers familiar with risk insurance know the following, and
often have to explain it for new and existing clients:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: .0001pt; margin: 0cm; mso-list: l1 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-border-alt: none windowtext 0cm; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU; padding: 0cm;">Life insurance</span></b><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;"> provides the capital at death
for things like mortgage redemption, capital funds for education, lifestyle
requirements for your family and income for the survivor.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: .0001pt; margin: 0cm; mso-list: l1 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-border-alt: none windowtext 0cm; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU; padding: 0cm;">Trauma cover</span></b><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;"> provides capital in the event
of specific illness, accidents or events. This part of your protection planning
pays out to the living.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: .0001pt; margin: 0cm; mso-list: l1 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-border-alt: none windowtext 0cm; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU; padding: 0cm;">Income protection</span></b><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;"> provides a regular income as a
percentage of your earnings for a specific time. This product pays out to the
living<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">An employer super fund may or may not provide these things, and even if
they do superannuation funds may not necessarily provide the real sums insured
needed for your specific circumstances. At the same time, the government’s
support through pensions is being critically looked at.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">If there isn’t going to be enough money to do those things that need to
be done, then people definitely need to have their own insurance protection
package or an ancillary plan that covers more than the employer fund may be
offering.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Like all essential purchases there are some hard decisions to make that
need to be considered.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">However, you may have friends, family, current clients and even new
clients who are considering taking the DIY approach to life insurance.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">If that is the case show them this article, which is directed to
consumers, and lists seven key mistakes they are likely to make in taking that
course of action, and then work with them to avoid making those mistakes.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-line-height-alt: 18.0pt; mso-outline-level: 3; vertical-align: baseline;">
<b><span style="color: #003f5f; font-family: "Arial","sans-serif"; font-size: 19.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Mistake 1: Buying insurance online
without good professional advice<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Generally, when you buy insurance over the phone from an online or
tele-provider, the assessment process is seen to be simpler! In fact, the
insurer really is appealing to your request for brevity and simplicity. Be
wary. This type of cover can mean assessment is carried out at the time of
claim.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">By going through the process of applying for cover with an adviser you
are assessed at application time. It takes a little longer. This means you and
your family have some certainty when you are accepted at application time,
rather than be declined payment because of non-disclosure, exclusions or unfair
clauses in inferior products at some time in the future when you are expecting
a pay-out.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Advisers give qualified advice backed up with a defining document called
a Statement of Advice demanded by law. So taking 15 minutes to buy a cheap
online product can be very expensive if the provider doesn’t pay at claims
time.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-line-height-alt: 18.0pt; mso-outline-level: 3; vertical-align: baseline;">
<b><span style="color: #003f5f; font-family: "Arial","sans-serif"; font-size: 19.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Mistake 2: Thinking your covers are
best handled in your superannuation fund<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Yes, your industry superannuation fund may have a component of insurance
included. Generally, it is a minimal amount of protection to a certain age with
sometimes blurred definitions for payment. Claims payments generally need to be
approved by the trustees of the fund. This can often take months.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Whereas good advisers will confirm that not only are they involved in
the sales process at application time but are also very attentive to your
situation in the claims process.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Some questions you might like to ask your industry super fund adviser or
the trustees of the fund are:<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">What support or advice do they give in settling claims?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level1 lfo2; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">What are the qualifications of the trustees of the fund to settle
claims?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level1 lfo2; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Does the fund settle claims or is that function outsourced?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level1 lfo2; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">How quickly do they settle claims?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level1 lfo2; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Does it cost anything to get claims paid?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level1 lfo2; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">What professional standards do their people have in ascertaining how
much cover you should have at application time?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level1 lfo2; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Does your cover reduce after a certain age?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level1 lfo2; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">At claims time do I have to get my solicitor/accountant involved in the
claims process?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level1 lfo2; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Do they give any guidance on the nomination of beneficiary aspects of
the cover?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level1 lfo2; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Will my beneficiaries have to go direct to the insurer to gain access to
my benefits?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">By all means accept the generosity of your employer nominated fund, but
consider covering the gaps with your own personal portable protection package.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-line-height-alt: 18.0pt; mso-outline-level: 3; vertical-align: baseline;">
<b><span style="color: #003f5f; font-family: "Arial","sans-serif"; font-size: 19.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Mistake 3: Only considering price
rather than value of the product(s) purchased.<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Price can play an important part in your decision to buy a protection
package, but it is not the only thing to consider. Find out about things like:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">The capacity of the insurer to pay<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">What type of benefits are included and excluded<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">How tight are the definitions of the policies<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Disclosure of the obligations of the seller<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Dispute handling processes<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Claims payment capabilities and procedures<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">What exclusions or limits exist on the cover<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Educational resources by the insurer if laws or obligations change<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Regular reviews by a competent adviser<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">The correct nomination of beneficiary advice<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Ownership options<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo3; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Pay out process for stress, disability or partial disability<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Price should be a balance for quality, service and communication.
Without professional advice you may be receiving inferior service that
eventually costs you a lot more than what you think you have saved.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-line-height-alt: 18.0pt; mso-outline-level: 3; vertical-align: baseline;">
<b><span style="color: #003f5f; font-family: "Arial","sans-serif"; font-size: 19.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Mistake 4: Buying insurance with
premiums that increase as you get older.<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">As you get older the risk factor for insurers gets higher. So buyers
face higher premiums to cover that cost for the insurer. This causes many
people to let their protection packages lapse.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Did you know you can buy life insurance with level premiums? This means
the premium can be averaged over the lifetime of the policy. So if you are
young and looking to keep your policy for some time, have a look at this level
premium option. Ask your adviser about the benefits and advantages of such a
facility.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-line-height-alt: 18.0pt; mso-outline-level: 3; vertical-align: baseline;">
<b><span style="color: #003f5f; font-family: "Arial","sans-serif"; font-size: 19.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Mistake 5: Skimping on the amount of
coverage you and your family really need.<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Often people are not aware of the amount of cover they require. This is
often predicated because they want to save money on premiums so they reduce the
amount of cover they really need. One way to ascertain what you may need is to
ask a series of questions such as:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">If you were to die prematurely which option would you prefer for your
partner?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l2 level1 lfo4; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">They could own the house you live in and never have to work again<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l2 level1 lfo4; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">They could keep the house you live in and not have to work for 10 years<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l2 level1 lfo4; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">They could keep the house you live but have to go back to work in say 6
months<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l2 level1 lfo4; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">4.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">They lost the house and had to go back to work immediately<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l2 level1 lfo4; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">5.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">They can fend for themself<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Covers offered in industry super funds rarely canvass these critically
important questions for their members.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-line-height-alt: 18.0pt; mso-outline-level: 3; vertical-align: baseline;">
<b><span style="color: #003f5f; font-family: "Arial","sans-serif"; font-size: 19.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Mistake 6: Not considering the
methods of distributing the proceeds of the policy after your demise.<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Depending on your circumstances you need to be aware of the range of ownership
options that affect the speed of distribution of funds from life insurance and
protection packages.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Ask your adviser about the following methods of ownership, the benefits
and shortfalls and how the funds are distributed at claims time.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo5; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Owned solely by you on your life and mentioned in a will<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo5; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Owned solely by you on your life and not mentioned in a will<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo5; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Owned solely by you on your life and left in trust<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo5; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Owned by your spouse/partner on your life<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo5; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Owned jointly by you and your spouse/partner on your life<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo5; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Nomination of beneficiary options under life cover in superannuation
funds<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo5; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Insurance under Buy/Sell corporate situations<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo5; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Total, permanent and partial disability claims procedures<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 3.6pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo5; tab-stops: list 36.0pt; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #333333; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Symbol; mso-fareast-language: EN-AU;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Pay outs for stress related conditions<o:p></o:p></span></div>
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<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">This is where a competent adviser can show you the options best suited
to your situation that can get the right amount of money into the right hands
in the quickest time.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6.0pt; mso-line-height-alt: 18.0pt; mso-outline-level: 3; vertical-align: baseline;">
<b><span style="color: #003f5f; font-family: "Arial","sans-serif"; font-size: 19.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Mistake 7: Failing to review your
situation and your covers as life events take place.<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Event changes can be monumental or miniscule. They can range from the
birth of a baby to adding a new room to the house; finally going on that south
seas cruise to paying off the mortgage or achieving a promotion or re-entering
the work force.<o:p></o:p></span></div>
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<div class="MsoNormal" style="line-height: 19.2pt; margin-bottom: 14.4pt; vertical-align: baseline;">
<span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 14.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-AU;">Every time you achieve a significant milestone in your life you need to
have a recalibration of your protection package. Have a talk to your adviser.
Maybe they can save you some money, get you better value for your dollar
invested, open your eyes to the real needs of your family if you are no longer
here or show you new product innovations you may not be aware of.<o:p></o:p></span></div>
Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-76475864505585905492016-08-02T16:35:00.000-07:002016-08-02T16:35:26.199-07:00What can kill a bull market that nobody believes in?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3ICp6Ykaet3FZDh10az17z3t2b-n2tGvYiIDmRaZSAxDbgsLoUp226-oo8LVqLXEv6f-KiNl7Oy1yJ1Ko0VEXLRcpDc2_-9L3ERyaLUgZfyJNYFNEHOxF4nCw7ALPgTof6UqYSM2S-0d7/s1600/what+can+kill+a+bull+market+nobody+believes+in.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3ICp6Ykaet3FZDh10az17z3t2b-n2tGvYiIDmRaZSAxDbgsLoUp226-oo8LVqLXEv6f-KiNl7Oy1yJ1Ko0VEXLRcpDc2_-9L3ERyaLUgZfyJNYFNEHOxF4nCw7ALPgTof6UqYSM2S-0d7/s1600/what+can+kill+a+bull+market+nobody+believes+in.jpg" /></a></div>
<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-28825513634771812782016-07-18T17:57:00.002-07:002016-07-18T17:57:43.980-07:00Investor paradox<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi0oOYR4C15SrqF-9h7GXp2CsMDXTKIOfP4Ezz9_Jv8PhxgS_uAVMGG6PujQ3wXoVe4ARd9-xGa3xXJDjn6TZ9vrKyxfl4MzxhcEaa6xbGEmpMIzgXGP_Qrv0eCet0ky4OVuZIwaiUhO8P/s1600/investor+paradox.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi0oOYR4C15SrqF-9h7GXp2CsMDXTKIOfP4Ezz9_Jv8PhxgS_uAVMGG6PujQ3wXoVe4ARd9-xGa3xXJDjn6TZ9vrKyxfl4MzxhcEaa6xbGEmpMIzgXGP_Qrv0eCet0ky4OVuZIwaiUhO8P/s1600/investor+paradox.jpg" /></a></div>
<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-53402041331451237332016-03-15T20:00:00.001-07:002016-03-15T20:00:47.361-07:00Why advice is critical if your considering life insurance<div class="" data-block="true" data-editor="apfqp" data-offset-key="5up6m-0-0" style="background-color: white; color: #141823; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 18px; white-space: pre-wrap;">
<div class="_1mf _1mj" data-offset-key="5up6m-0-0" style="direction: ltr; position: relative;">
<span data-offset-key="5up6m-0-0">A great article outlining the value of advice when considering life insurance:</span></div>
</div>
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<span data-offset-key="ed7s-0-0"><br data-text="true" /></span></div>
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<div class="_1mf _1mj" data-offset-key="8sfkj-0-0" style="direction: ltr; position: relative;">
<a href="http://www.riskadviser.com.au/viewpoint/13544-advisers-and-the-comminsure-scandal?utm_source=Risk%20Adviser&utm_campaign=16_03_16&utm_medium=email&utm_content=1">http://www.riskadviser.com.au/viewpoint/13544-advisers-and-the-comminsure-scandal?utm_source=Risk%20Adviser&utm_campaign=16_03_16&utm_medium=email&utm_content=1</a><br />
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Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-79218177904119941582016-03-14T17:14:00.001-07:002016-03-14T17:14:02.045-07:00Key considerations when purchasing property within an SMSF<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEha8W5NdZBcJGeFS85Vo-QPGPnYO8B_yf17BqS4Kzhw-QiPdsDy9cIMF6PZRvjoBTrPhHyOz2KS9ZaJ71TCqJc24X6mWBRfN0ph_Umkfu_5k-7dFSB6qlb0F9GyADdcWupc2bNOW35lCDbB/s1600/Key+considerations+when+purchasing+property+within+an+SMSF+1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEha8W5NdZBcJGeFS85Vo-QPGPnYO8B_yf17BqS4Kzhw-QiPdsDy9cIMF6PZRvjoBTrPhHyOz2KS9ZaJ71TCqJc24X6mWBRfN0ph_Umkfu_5k-7dFSB6qlb0F9GyADdcWupc2bNOW35lCDbB/s1600/Key+considerations+when+purchasing+property+within+an+SMSF+1.jpg" /></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgn51bdkQPV_vbcmB69WywE9y7B2J52r39A-SlmIBafKYDL0KyGNEQ3AViD41mQNuqXoGmTL88tjAyuREmvDb2dRWChyy_noXgq3jZK7RR1_VkRAvL1Mcd83304vOnp3nmMtmBZsWWRJ4F6/s1600/Key+considerations+when+purchasing+property+within+an+SMSF+2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgn51bdkQPV_vbcmB69WywE9y7B2J52r39A-SlmIBafKYDL0KyGNEQ3AViD41mQNuqXoGmTL88tjAyuREmvDb2dRWChyy_noXgq3jZK7RR1_VkRAvL1Mcd83304vOnp3nmMtmBZsWWRJ4F6/s1600/Key+considerations+when+purchasing+property+within+an+SMSF+2.jpg" /></a></div>
<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-29550732346275326372016-03-10T17:33:00.001-08:002016-03-10T17:33:31.079-08:00Free mortgage healthcheck<div class="_5pbx userContent" data-ft="{"tn":"K"}" id="js_79" style="font-size: 14px; line-height: 1.38; overflow: hidden;">
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There has never been a better time for a free mortgage health check. Over the past 6 months the gap between the best mortgage rates and the worst has been steadily increasing. In some instances, you can save 0.5% on what your currently paying which on a $500,000 mortgage equates to a saving of $2,500 per year. Here is an article on how the major banks have been increasing their rates over the past 6 months:</div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<a href="http://www.mortgagebusiness.com.au/breaking-news/9542-cba-confirms-rate-changes?utm_source=Mortgage+Business&utm_campaign=10_03_16&utm_medium=email&utm_content=2" rel="nofollow" style="color: #3b5998; cursor: pointer; text-decoration: none;" target="_blank">http://www.mortgagebusiness.com.au/…/9542-cba-confirms-rate…</a></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
For a co<span class="text_exposed_show" style="display: inline;">mplimentary mortgage health check call my office on 02-84130327 to make an appointment.<br />Kind regards,<br />Rob</span></div>
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<a href="http://www.mortgagebusiness.com.au/breaking-news/9542-cba-confirms-rate-changes?utm_source=Mortgage+Business&utm_campaign=10_03_16&utm_medium=email&utm_content=2" rel="nofollow" style="color: #3b5998; cursor: pointer; text-decoration: none;" tabindex="-1" target="_blank"><div class="_6l- __c_" style="position: relative;">
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<img alt="" class="scaledImageFitWidth img" height="158" src="https://fbexternal-a.akamaihd.net/safe_image.php?d=AQD4O4f6j9KLP6zr&w=158&h=158&url=http%3A%2F%2Fwww.mortgagebusiness.com.au%2Ftemplates%2Fspbase%2Fimages%2Fmb.png&cfs=1&upscale=1&ext=png2jpg" style="border: 0px; height: auto; min-height: 100%; position: relative; vertical-align: bottom; width: 158px;" width="158" /></div>
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<a href="http://l.facebook.com/l.php?u=http%3A%2F%2Fwww.mortgagebusiness.com.au%2Fbreaking-news%2F9542-cba-confirms-rate-changes%3Futm_source%3DMortgage%2BBusiness%26utm_campaign%3D10_03_16%26utm_medium%3Demail%26utm_content%3D2&h=VAQF3pwAL&enc=AZPwPDLcjauqc7M65PWnxmc52sXGNtgszqZjw-UecTq43qq85zcGCvdEGm3n-irayfkB-VSgjXRp8gIralASfrhfnFSg6bKAFGoiV2AYMvGB15_lwhwl1u4F6MCRi_EumMSV6hrI56_a6IB2b-0a2g4vYrir3QrhudwD2dGv-ZNA8bJc_76W1uvqM_dcHBgJ0zmRTTKztupPRS83Uxy-IYt2&s=1" rel="nofollow" style="color: #141823; cursor: pointer; text-decoration: none; transition: color 0.1s ease-in-out;" target="_blank">CBA confirms rate changes</a></div>
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The Commonwealth Bank has confirmed it has raised interest rates for a number of its lending products. The major bank has increased rates by 21 basis points across the majority of its business loans</div>
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MORTGAGEBUSINESS.COM.AU<span class="phs" style="padding-left: 5px; padding-right: 5px;">|</span>BY HUNTLEY MITCHELL</div>
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Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-63611376719879231882016-03-10T17:31:00.004-08:002016-03-10T17:31:46.038-08:00Commsinsure Life insurance scandal<div class="MsoNormal">
<a href="https://www.blogger.com/null" name="_MailOriginal"><span style="font-size: 16.0pt;">Recently,<o:p></o:p></span></a></div>
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<span style="font-size: 16.0pt;">Comminsure has been in the news for treating life
insurance policy holders poorly and for serious misgivings in their policy
definitions and claims processes. See article attached below - this article
highlights that for many Australians they will only have life insurance via
their superannuation fund and many will not even know that they have it. It is
important to know that often it is <b>not</b>
your superannuation fund that is the insurance provider and that they will
outsource this to a 3<sup>rd</sup> party life insurer such as Comminsure:<o:p></o:p></span></div>
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<a href="http://www.ifa.com.au/news/15842-lawyers-to-act-on-behalf-of-comminsure-clients?utm_source=IFA&utm_campaign=10_03_16&utm_medium=email&utm_content=1"><span style="font-size: 16.0pt;">http://www.ifa.com.au/news/15842-lawyers-to-act-on-behalf-of-comminsure-clients?utm_source=IFA&utm_campaign=10_03_16&utm_medium=email&utm_content=1</span></a><span style="font-size: 16.0pt;"><o:p></o:p></span></div>
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<span style="font-size: 16.0pt;">It is vital, if you have dependents that rely on you
for their financial well-being, that you have some level of life insurance cover
to provide for them in the event that you are unable to. Moreover, it is even
more important that the life insurance cover that you have in place pays out
when it comes time to claim. This is the truest test of the quality on a life
insurance policy and is the most important reason that you should engage a
financial adviser when choosing your life insurance provider. The following
article outlines the role that a financial adviser plays when you are
considering your life insurance needs:<o:p></o:p></span></div>
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<a href="http://www.ifa.com.au/news/15847-advisers-are-client-advocates-in-insurance-claims-afa-says?utm_source=IFA&utm_campaign=10_03_16&utm_medium=email&utm_content=3"><span style="font-size: 16.0pt;">http://www.ifa.com.au/news/15847-advisers-are-client-advocates-in-insurance-claims-afa-says?utm_source=IFA&utm_campaign=10_03_16&utm_medium=email&utm_content=3</span></a><span style="font-size: 16.0pt;"><o:p></o:p></span></div>
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<span style="font-size: 16.0pt;">This is the link for the ABC Four corners news program
that highlighted the poor conduct at Comminsure: </span><a href="http://iview.abc.net.au/programs/four-corners/NC1604H006S00"><span style="font-size: 16.0pt;">ABC I-View</span></a><span style="font-size: 16.0pt;"> <o:p></o:p></span></div>
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<b><span style="font-size: 16.0pt;">If it has
been a while since you reviewed your life insurance policies and you’re unsure what
your covered for OR whether you are covered at all then contact my office on 02-84130327 for a
free appointment to go over your existing policies and life insurance needs.<o:p></o:p></span></b></div>
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Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com1tag:blogger.com,1999:blog-8238204264771336305.post-34265704625391300652016-02-18T17:52:00.002-08:002016-02-18T17:52:49.754-08:00mnoey tips for the young and spendthrift<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEje8eGjoYk5HWu3SJqrPjfhATFBgLNRmLCo8CXhrIv3o_fWRRbX3uBeNKkbDe0sDcg6BmqBIkbv2pEIo75KGJLiRwGHfwRPaqKmhj_DFOcC8K_UVD0606fp5WKm87PgJEjoZ7ehm9UI4Mg9/s1600/money+tips+for+the+young+and+spendthrift.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEje8eGjoYk5HWu3SJqrPjfhATFBgLNRmLCo8CXhrIv3o_fWRRbX3uBeNKkbDe0sDcg6BmqBIkbv2pEIo75KGJLiRwGHfwRPaqKmhj_DFOcC8K_UVD0606fp5WKm87PgJEjoZ7ehm9UI4Mg9/s1600/money+tips+for+the+young+and+spendthrift.jpg" /></a></div>
<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-40263890784679748682016-02-16T19:59:00.001-08:002016-02-16T19:59:28.254-08:00commercial buyers guide<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjq7dhq7PyX5XSuoGcEvdk-eXk3R8AbVLux-uqJC0Csoy9mnqJs6h-qMCvGkU7AkPQ5rYxywo90ZaA2UTTS7v7fjaOWAX3DT23NbzQiS5-FGjD8WOibhybms5aEXt3JNeFshd0AALMOTyhr/s1600/commercial+buyers+guide+1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjq7dhq7PyX5XSuoGcEvdk-eXk3R8AbVLux-uqJC0Csoy9mnqJs6h-qMCvGkU7AkPQ5rYxywo90ZaA2UTTS7v7fjaOWAX3DT23NbzQiS5-FGjD8WOibhybms5aEXt3JNeFshd0AALMOTyhr/s1600/commercial+buyers+guide+1.jpg" /></a></div>
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-56215234235691641582016-02-16T19:57:00.002-08:002016-02-16T20:00:02.473-08:00reverse mortgages - your home your cashcow<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-21215813751925594092015-08-23T18:20:00.003-07:002015-08-23T18:20:52.045-07:00Peer to peer lending threatens the big banks<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-55563368896188940832015-08-23T18:19:00.005-07:002015-08-23T18:19:50.468-07:00Sell, Sell, Sell<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-36418921114254844552015-08-17T21:35:00.002-07:002015-08-17T21:35:53.111-07:00silver lining in investor sqeeze<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-17355064644742250972015-08-17T21:34:00.003-07:002015-08-17T21:34:59.225-07:00Divide and conquer<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-91527016235029272522015-08-17T21:34:00.001-07:002015-08-17T21:34:21.095-07:00The incredible shrinking banks<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-48254205907816889032015-08-17T21:33:00.001-07:002015-08-17T21:33:21.354-07:00Flood of homes listed for sale worries sellers<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-92028672290597061532015-08-17T21:31:00.001-07:002015-08-17T21:31:26.968-07:00Gold Rolled<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-79569486944049996872015-08-17T21:30:00.003-07:002015-08-17T21:30:44.217-07:00The world according to James Aitken<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-16245074190858257092015-08-17T21:29:00.003-07:002015-08-17T21:29:50.446-07:00Plan now for death do you part<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-49619638747604351582015-08-17T21:28:00.004-07:002015-08-17T21:28:53.860-07:00Double Whammy for off the plan<div class="separator" style="clear: both; text-align: center;">
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Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-61823306346681605212015-08-03T17:23:00.003-07:002015-08-03T17:23:24.106-07:00Save now and live large later<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-58298123226814445322015-08-03T17:22:00.003-07:002015-08-03T17:22:21.944-07:00property prices hit but prices on the rise<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-84714693741498835602015-08-03T17:19:00.002-07:002015-08-03T17:19:52.425-07:00Australian Housing market scales historic $6 trillion<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-9414022730324797802015-07-19T17:14:00.003-07:002015-07-19T17:14:34.608-07:00China's triple bubble<div class="separator" style="clear: both; text-align: center;">
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0tag:blogger.com,1999:blog-8238204264771336305.post-55120758020205851892015-06-28T17:42:00.001-07:002015-06-28T17:42:04.824-07:00Buffet and the banks<br />
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<br />Rob Inukihaanganahttp://www.blogger.com/profile/07587140248951681345noreply@blogger.com0