Wednesday, October 13, 2010

INSIGHTS - Financial issues affecting your lifestyle

The feature article of our Insights newsletter for Spring focuses on personal debt. We discuss the differences between ‘good’ personal debt and ‘bad’ personal debt and provide some tips on managing your own debt situation.
You’ll also find a useful  tips for keeping your investments on track, no matter what the market is doing. We outline the fundamentals of investing you should keep in mind when making investment decisions.

Finally, I hope you enjoy our regular feature, an update on local and international markets from Colonial First State’s Investment Markets Research team.

These articles highlight the importance of regularly reviewing your financial plan. If you would like to discuss your personal situation or revisit your goals, please call me on 02 4925 6125.

Click here to get your free copy of our Insights Newsletter.

Monday, October 4, 2010

Slip Slop Slap this Summer

With summer fast approaching it's time to remember to slip slop and slap!  The Hunter has the highest incidence of melanoma in the world - yes, that's right in the entire world!

Our laid back, outdoorsy lifestyles are literally killing us.  So remember that whenever you are outside to cover up with long sleeves and pants, wear your hat and sunglasses and make sure you apply your sunscreen at least 20 minutes prior to sun exposure and to reapply regularly especially after swimming or playing sport.

Not only will you be preventing your risk to melanoma but you will also look younger for longer.  All the experts agree that sun damage is the number one cause of looking old, so your fountain of youth can be found in your sunscreen bottle.

For those of you who really want a tanned look the only way to achieve it without risking your skin is to fake it.  Be careful though, this offers no protection from the sun so you still need to cover up and slop on that sunscreen.  You can get really good tans in salons these days that won't leave you looking like an Umpa Lumpa from Willy Wonker's Chocolate Factory.  They vary in price but are usually between $30 -$45.

A fake tan can give you that glow
your are looking for without the risks

Agnieszka Lennan is a qualified beauty therapist and has some great tips for getting the most out of your spray tan.

  • Ensure that your skin has been properly cleansed, exfoliated and is free of all moisturisers, lotions, creams and make up.  Exfoliating products that leave the skin excessively oily such as salt scrubs should also be avoided.
  • Avoid shaving for at least 12 hours prior to your tan.
  • Tans will develop over several hours, some will take up to 24 hours but there are some now that will develop in around 2 hours, so you should wait at least 6-8 hours before showering after your treatment.
  • Avoid using bar soap after your tan and other harsh cleansers. Use a gentle body wash for best results.
  • After your post shower, keep your skin hydrated and nourished using a good body moisturiser. This will help extend the life of your tan.
  • Remember if you are going out in the sun you still need to wear sun protection.