Statement of Advice

related to these obligations because it has asserted that the obligations are not probable or

Financial situation In the administrator 's report, Mr Alan Sinclair reported that a surplus of $192,852 had been achieved in the last year. Although Lifeline is expanding and its income increasing, the sources of this income are rapidly changing. Over the last three years government funding has gone from 32 to 16.5 per cent of total income, and for the current year it is possible that it will reduce still further - a situation which has meant that Lifeline Brisbane has had to become more self sufficient in generating its own funds. During the last three years income from trading activities has increased from 43 to 62 percent of the total. Non trading income has declined slightly as a percentage from 25 to 21. Lifeline Brisbane has a software system which helps manage the following areas: accounting, word processing, telephone counsellor 's roster, payroll, warehouse, fund raising, counselling statistics, the consumer credit counselling service and the resource manual and library. Given the fact that Lifeline Brisbane, despite government cutbacks, is still able not only to cover the costs of maintaining services to its clients but also to achieve a surplus, the administrator is satisfied with the system in operation and sees no real need for any major changes. However, the business manager is not convinced that Lifeline can simply go on doing more or less the same as it has been doing for many years. For one thing, he believes that Lifeline should be

Give us a specific example of something you’ve done in your life (besides Orientation) that’s had a strong and positive impact on you, which will enhance your personal contribution to the Steering Committee.

My personal philosophy is made up of a combination of questions and ideas from the three branches of philosophy: metaphysics, epistemology, and ethics. Metaphysics is the study of where the world comes from, what it is made of, and if anything is eternal or changing. Epistemology focuses on what we know, how we know it, and if there is any absolute truth. Ethics analyzes decision making and morals.

There is one question everybody has to ask themselves. Why do we need to take care of ourselves? I can tell you why. It’s called personal care. Personal care is very important. It helps lead to a better lifestyle with better friends and family. Not only do you need to take care of your weight, but you need to take care of your bodily and dental hygiene. You also need to take care of yourself emotionally, like dealing with the right kind of people as your friends. Sometimes people don’t take care of themselves and they end up on a show like Hoarders or Biggest Loser. With guidelines, you can become a very healthy person if you are not already one.

You should carefully consider whether the information on this website is appropriate to you in light of your particular objectives, financial situation and needs. We recommend you review any relevant disclosure document relating to a product or service and obtain professional advice before making any financial

Here are a few guidelines to help you make a wise decision. Remember that working closely with a professional financial

Review - The support given should be reviewed at the time agreed in the plan. You can then decide together if the support is having a positive impact, whether the outcomes have been, or are being, achieved and if or how any changes should be made.

An important element that is core to the financial stability in the market is confidence of the consumers in the financial products that they are investing in and their financial advisor who recommend them these products. This is because there has always been a conflict of interest between the consumers and financial institutions that expertise in creating these products and services and sell them to the consumers, and financial planners are the representatives in between them who can guide the consumers to these products and services that suits them the best. When it comes to complicated long-term financial decisions consumers have very little knowledge on how to go about it. This also means that consumers need to be protected from themselves

The first section explores the levels of financial literacy among different demographic groups. The next section will be an evaluation of the financial outcomes experienced by people of varying literacy levels. Finally the last section will focus on factors that affect the decision-making process. will conclude this paper with recommendations for fixing financial illiteracy and improving an individual financial outcome in various ways.

In addition to working with you to understand your current financial situation, we can help you solve any credit issues you may have from your past. As a Credit Reference Provider licensed under the National Credit Act, we are a great asset to use if you want to get your credit back where it belongs. When you successfully pay off a loan with us, it will improve your chances of

“Our purpose is to enable individuals and businesses to manage financial risk. We provide insurance products

An individual's life is like a ship coursing in the deep waters of a blue-colored planet. There can be different destinations but a person can only pick one, either that individual quickly crash into a falling despair of dystopia or peacefully land in an alluring utopia. These places are often determined whether the person attained his or her goals or dreams and this is where life insurance takes place. Financial literacy is a form of knowledge often unappreciated especially

Be thoughtful and make a choice to alter your plans you might have made in haste and you are here to get a difference that sensibly gets you out of the quagmire. It is Kates Barlow essentially for you and provides a choice of your marriage and financial plans with security and a chance you never want to

First, the problem of adequate financial support is obvious. Although money does not buy happiness, it is true that a tight financial situation can create tensions which can undermine an otherwise happy relationship. While some financial problems are to be expected