NSW CANCER COUNCIL

Cancer Council NSW is a community funded, community focused cancer charity dedicated to the defeat of cancer.

Through the development of prevention strategies, research into new treatments and cures, and by providing clinical and emotional support to those affected by cancer, we work towards realising our vision of a society where lives are not cut short by, or their quality diminished by cancer.

We have the broadest reach of any cancer organisation in New South Wales and have been a trusted cancer charity for more than 50 years.

Much of our success is based on our ability to work in collaborative partnership across many areas of the Community.

Cancer Council has recently formed a partnership with Wayne W Lennan Financial Services to provide a service reviewing personal insurances.

At the time of a cancer diagnosis the last thing anyone needs to worry about is their financial situation. Personal insurances can help to alleviate this worry.

Cancer Council will promote this service through their networks and if an individual decides to take out a policy Wayne W Lennan Financial Services will donate $100 to the Cancer Council. Also, if a review is undertaken and they can't save the client any money, they will also donate $100.

This partnership has benefits for both parties, but more importantly for individuals who will have the peace of mind to know they have financial coverage should they ever have a diagnosis of cancer.

Christine Roach | Regional Manager, Hunter & North West

Cancer Council NSW

T: (02) 4923 0701 | M: 0411 408 662
22 Lambton Road, Broadmeadow NSW 2292

Client Story - A $300,000 Phone Call

Nearly 18 months ago a cancellation letter came across my desk for one of my long time clients. I thought it was a bit odd and decided I would give him a call to find out why he was canceling his insurance.

During our conversation he advised that he had been diagnosed with Cancer and due to the cost of his treatment and medications could no longer afford to pay his premium. Thank goodness I decided to give him a call!

As it turned out our client had a life and trauma policy for a significant amount of money. I pointed this out to my client and he admitted he had forgotten what a trauma policy covered. I proceeded to explain that trauma cover pays a lump sum benefit upon the diagnosis of a specific illness including cancer.

My office contacted the insurer that day and within 10 weeks our client received his benefit of over $300,000 which greatly helped him and his family. When my client first contacted me he was not very hopeful of making a recovery, indeed the doctors did not hold much hope either. Since receiving his money and greatly reducing the financial stress he has since advised me that things are looking better.
While I don't claim that his improvement was a direct result from his financial gain , it did ease the stress he and his family were under and allowed him to concentrate on his treatment and recovery.



My point in sharing this story with you is to highlight how I work for you, my client. My job is not only to put a protection plan in place for my clients, but also to manage and maintain that plan and provide any assistance to my client on an ongoing basis. This however does require a degree of regular interaction, including annual reviews and keeping in touch with our clients.

You will notice over the next 12 months that we have introduced a new review process which will require our clients to complete a review survey. The survey should only take about 5 to 10 minutes to complete but it is extremely important that it is completed and returned every year so I can make sure that I am giving you the best service and advice that all my clients deserve.

Of course if our clients need to contact us they can call our office on 02 4925 6125 during business hours Monday to Friday or they can contact us via our website by visiting www.waynelenna.financialwisdom.com.au and clicking on the contact us link.

Join the revolution!

Friday September 3rd 2010 is officially Random Act of Kidness Day, better known as RAKD.


Do something kind for a complete stranger without the expectation of anything in return.  Buy someone a coffee, mow someone's lawn, wash a car, pay for someone's petrol.  There are heaps of ways you can help someone visit http://www.rakd.com.au/ to download and print your vervy own RAKD card or to read the great strories of how people in Newcastle RAK others.

We would love to hear your stories too, so don't forget to share once you have RAKD a stranger!

The new way to communicate with customers

Most people have heard of Facebook and while some people may still not understand Facebook there is no denying it is changing the way business communicates with the public.  In fact there is a significant swing towards using a business Facebook page as a first point of online contact. Instead of businesses advertising their URL (website) businesses both big and small are advertising they are on Facebook.

So what does it mean if your a business and your not on Facebook?  It's okay, you business is not going to collapse tomorrow, but you may be missing out on valuable opportunities to grow your business.  While Facebook is not the be all and end all of your marketing strategy it can be an important and very successful tool for creating customer loyalty and building your brand and best of all it is free!

For the small business that maybe can't afford a traditional website Facebook business pages offer a cheap alternative.  For large business it is a great way to reach the masses.  Some great Facebook business pages to check out include Coke, Nike and Cadbury.  Some smaller local pages include Asimus Business Coaching, Absolute Infinity and of course mine (Wayne W Lennan Financial Services), which as I am learning is a work in progress.

Now setting up a basic page is not as difficult as the prospect of doing it seems and once you get started you can get tips and advice on how to tweak it to give it that corporate look. 

To help any businesses in Newcastle get started Lindy Asimus and I are going to be running some short workshops over the next few weeks that will offer practical advice for getting your Facebook business page up and running.  Lindy is a dedicated social media expert (junkie...) with great tips to not only set up your page but practical ideas for how you can use it to promote your business.  While there is a small cost involved, $10 Lindy has kindly offered to do this and donate all proceeds to our Light the Night team for the Leukaemia foundation.

Groups for these Facebook sessions will be kept to a maximum of 6 people at a time so everyone will get the opportunity for some one on one time with Lindy.

If you are interested in attending one of these sessions please click here to register and recieve your free guide "7 steps to a healthy growing business".

Good Mental Health is an important part of your overall health

Having worked in the life insurance industry for more than 20 years now, I have seen the increase in mental health claims.  In fact 1 out of every 5 Australians will suffer depression in their lifetime.  In fact mental health has become so widespread that the insurance industry has had to add it to their risk assessment when processing an application for insurance, especially for income protection.

So how can you maintain good mental health?

Obviously some things are beyond our control, the death of loved one, long term unemployment, an accident or illness, divorce, even moving house or losing a pet can trigger an episode of depression or anxiety.  The good new is though that you can proactively help your state of mental health, there are things in everyone's power to decrease your chances of being one of the statistics.

Exercise
This doesn't mean you need to train for a triathalon or marathon.  All you need is a couple of hours of activity every week, whether it is going for a walk or playing a sport it doesn't really matter you just need to move!

Nutrition
The food you are eating can affect your mood, energy levels and concentration.  Fresh fruit and vegetables are an important part of maintaining good mental health.  It is recommend you eat 2 serves of fruit and 5 serves of vegies a day.  It is also important to get enough protein, afterall protein is the building blocks for your entire body including your brain.

Sleep
Medical experts agree that everyone should aim for between 6 and 8 hours of good sleep every night.  Lack of sleep can affect the brains production of important hormones and chemicals that control your mood and energy levels.  Sleep is so important to our body's ability to function that going without sleep for a prolonged period can cause death.

Stress Management
We all suffer from stress from time to time.  Trying to get the kids organised for school while they are fighting over the bathroom and get to work on time, all at the same time - very stressful!  Stress will be a part of normal life and we can't always control stress triggers but we can learn how to cope with them or reduce them.  For example mornings in a house with children who have to go to day care or school and both parents have to get to work too, you can't change the situation you need to go to work and the kids have to go to school but you can minimise the stress by preparing the kids the night before.  Making lunches, setting the table for breakfast the night before, having uniforms etc organised the night before and having a schedule for the bathroom will all help make the situation less stressful.  Learning to recognise stress will help you manage it and most importantly take time out to relax!

I think the secret to good mental health is living a balanced life, it's not easy finding that balance and maintaining it but following the guidelines above will give you a starting point.

WL

Click her for more information on Mental Health

FINDING AND CONSOLIDATING YOUR SUPER

Proposed changes in the Superannuation laws regarding lost super mean that any super account that has less than $200 and is unclaimed will be transferred to the Commonwealth.  You will then need to lodge an application to the ATO to reclaim your lost super. 

This proposed law will also affect accounts with higher values if the members are deemed lost and the accounts have been inactive for more than 5 years.  These laws if passed will commence in December 2010, so now is the time to look for any lost super.

Most people don't even know when they have lost super, but you can check by visiting the ATO website and using their online Superseeker program to see if you have any.  You need to provide some personal information and your Tax File Number so they can cross reference it with the fund databases.

I found some lost super, what do I do next?

If you have a super account that is currently recieving contributions you can rollover the funds into that account.  If you don't have another super account because you don't work you will need to set one up to roll the super into or you can advise the fund that is currently holding your super and advise them of your new contact details.  They will explain what your options are in regards to withdrawing the money or rolling it over.

By locating and consolidating any lost super you will reduce your management fees and associated costs, plus you will know where all your super is!

Visit the SuperSeeker or the ATO for more details.

WANTED: 10,000 Australians to lend a helping hand

Aritcle by Christie Birch

Child sponsorship is one of those subjects that raise various opinions around the "water cooler".  The most common comment I hear is "there are people in need in our own country".  While this may be true it's worth noting the same people that use this retort to justify their decision not to sponsor usually don't contribute to any charity, not even the local ones!



My family and I have sponsored 2 children overseas through World Vision for nearly 10 years.  Sponsorship has not only made us feel like we are helping to make the world a better place but it has taught our children to appreciate how lucky they are to live in Australia and have the opportunities most kids take for granted.

The other popular objection is "I would but I can't afford it".  When we first sponsored our kids we were living on one income and had just bought our first home.  I know lot's of people who use this argument who are much better off than we are or are ever likely to be.  Child sponsorship is about $43 per month which isn't a lot when you think about how much we spend a month on coffee, morning tea or lunch at work.

Your money not only helps your child with their education and medical needs but some of it is also contributed to community projects such as agricultural education, wells and water pumps and medical facilities.

Our own children have grown up alongside our sponsored children and our family always looks forward to the annual updates and new photos of our sponsored kids. They have become an extension of our family and one day I hope that we will have the opportunity to visit them and to see first hand how we have helped them and the communities they live in.

If you have ever considered sponsoring a child now is the time.  World Vision are currently looking for 10,000 sponsors.  You can pick your own child or you can let them pick one for you.  There is a wealth of information on the World Vision website including stories from the children, sponsors and about the difference sponsorship has made in communities all over the world.

Visit World Vision and help to make the world a better place for one child.  Don't forget to share this with your friends too!