How Much Fluid Do You Need?

Not drinking enough water can affect your saliva production and dental health.

How much fluid do you need per day?

Men: 2.6 litres (about 10 cups)

Women: 2.1 litres (about 8 cups)

Pregnant Women: 2.3 litres (about 9 cups)

Boys 14-18: 1.9 litres (about 8 cups)

Boys 9-13: 1.6 litres (about 6 cups)

Girls 14-18: 1.6 litres (about 6 cups)
Girls 9-13: 1.4 litres (about 5-6 cups)
Children 4-8: 1.2 litres (about 5 cups)
Toddlers 1-3: 1 litres (about 4 cups)


Drinking plenty of water keeps your heart health, boosts brain power and reduces headaches, may lead to weight loss and beats fatigue, just to mention a few.

Source: Australian National Health and Medical Research Council

DO YOU HAVE TYPE 2 DIABETES?

Blacktown Hospital are seeking volunteers to participate in a long-term cardiovascular research study with a new treatment for type 2 diabetes.

To participate in the trial you must:

• Be over 50 years old
• Have type 2 diabetes and cardiovascular disease
• Be able to attend seven visits during the first year of the trial and two annual visits until the end of 2015

Participants receive all study related care and study medication at no cost and will be compensated for travel.

For further information please contact:

Sue Hendon
Blacktown Hospital
02 9851 6031
Susan.Hendon@wsahs.nsw.gov.au

This research project has been approved by the Western Sydney Local Health Network Human Research Ethics Committee (Westmead Campus)

Melanoma - The dark side of summer

As temperatures and UV levels rise towards summer, sunburn and skin cancer climb up our 'worry lists' - and for good reason: excluding non-melanoma skin cancer, melanoma is Australia's fourth most common cancer.

So it comes as good news that recent studies have found four new genes associated with skin cancer which may lead to improved diagnosis and treatment. The studies, conducted by GenoMEL Consortium and Queensland Institute of Medical Research (QIMR), also improve the prospect of identifying people at increased risk of developing melanoma so they can take action to minimise their chance of developing it in the first place.

Did you know?

• Off all cancers, melanoma makes up 9.5% of all cancers, with more than 10,300 cases diagnosed annually.
• The risk of being diagnosed by age 85 is 1 in 15 for men and 1 in 24 for women.
• In 2008, there were 1,430 deaths from melanoma.
• Melanoma risk increases with UV exposure - particularly with sunburn, and especially during childhood,
• The chance of getting melanoma rises for people with:

                        - increased numbers of unusual moles
                        - depresses immunity
                        - a first degree relative who's had melanoma
                        - a history of melanoma or non-melanoma skin caner
                        - fair skin, freckles, light eye colouring, light or red hair and burn easily

As well as slip, slop, slapping, it's important to cover ourselves against illnesses like melanoma by having comprehensive trauma insurance. Trauma Insurance offers cover for skin caners like melanoma, making it ideal for the people of this sunburned country.

5 Ways to Ensure Your Website Doesn't Turn Into a Lemon

1. Make sure your website isn't leaking customers

Check your website statistics and look specifically at how many visitors leave shortly after arriving on your homepage. This may mean they do not like what they see and you should consider making changes.

2. Make sure you know exactly how many leads or sales your website is delivering

Your website should have clear business objectives, like delivering leads or online sales. If you don't measure how many calls, enquiries or sales your website is generating you won't know if you need to take action.

3. If you build it (your website) they won't just come

Unlike a physical shop front it is very unlikely that anyone will ever just stumble across your website. It needs to be visible to the major search engines or you can forget about getting new customers. Search Engine Optimisation (SEO) and Pay-per-click advertising (PPC) are very effective ways you can get your online shop on front of millions of potential customers.

4. Don't let your website be the ugly duckling

Do you wince when you compare your website with competitor sites? Too many business people accept and even acknowledge that their website is ugly and not all what is should be. With advancements in technology over the last few years, in most cases you can now get a brand new website for less than it would normally cost to rebuild your old one.

5. Make sure the information on your website is up-to-date. Shout yourself a CMS!

Remember the days when you had to chase your brother's best friend's uncle just so you could make a small text change to your website? Well, with a content management system (CMS) those days are over. Nearly every new website developed today comes standard with a CMS. This means you can change your website by yourself whenever you want and your website will never be out-of-date.

Need to know more? Visit http://www.webcentral.com.au to request a free 15min website evaluation

Healthy Workplace Challenge

Full time workers spend half of their waking hours at work on 5 or more days of the week.  They will usually eat at least one meal and 2 snacks at work and as many of us are finding ourselves in more sedentary jobs, finding time to be physically active can be a challenge.

Simple changes at work can make all the difference to our overall health and well being.  The trick is for employees and employers to be part of the solution when it comes to healthy work places.  Healthy, active workers have more energy, improved job satisfaction and a better quality of life.  The workplace benefits from improved productivity, reduced staff sick leave, reduced staff turnover and better moral in the workplace.

Workplace Tips for Employees

Eat breakfast everyday.  If you don't have time at home in the morning then make sure you eat at work.  Good choices that are also quick are wholegrain toast, fruit bread, fresh fruit, low fat yoghurt and high fibre cereal with skim milk.

Keep healthy snacks at work. Good snacks include low fat yoghurt, fresh fruit or fruit cups, snack size tin of tuna and low fat crackers.

Choose low fat milk. Especially if you are drinking lattes or cappuccinos where the milk content is much higher.

Take time to move. Remember if you are in front of a computer all day to move around as much as you can.  Getting up to go and speak in person to a colleague instead of using email or the phone.  Standing up while on the phone and make sure you have a couple of stretch breaks throughout the day and if you have time try to squeeze in a quick walk around the block at lunch.

Promote healthy choices at work. Become a workplace health advocate by encouraging others to make healthy choices or providing a poster promoting good health tips in the staff lunch room or rest rooms.

Workplace tips for employers

Offer healthy food at meetings, functions and events.  If your workplace has a cafe or canteen provide some healthy options at competitive prices.  Identify healthy food choices in vending machines.

Make water the drink of choice by ensuring it is readily available throughout the day.

Promote healthy living through your communication channels, such as company newsletters and websites.

Promote cycling to work by providing bike racks.

Offer flexible work hours to allow for physical activity during the day.

Organise a special event to show you support healthy living like a walkathon or healthy BBQ challenge

Lessons From Steve Jobs

The recent passing of Steve Jobs got me wondering what the rest of us mere mortals could learn from such a visionary businessman and creative genius...18 October 2011 Jayne Tancred

Carmine Gallo's book The Innovation Secrets of Steve Jobs, distils Jobs' philosophy down to seven principles.

1. Do what you love: Think differently about your career

After a recent period of stress, I'm keen for the next phase of my business-life to be all about flow, fun and good vibes.

2. Put a dent in the universe: Think differently about your vision

Can a couple of humble small business owners from Sydney put a dent in the universe too?

3. Kick-start your brain: Think differently about how you think

I'm so passionate and excited about the new business that I've noticed a huge burst in creative energy and I'm now actively looking out for new ways to do things differently, just to see what unfolds.

4. Sell dreams, not products: Think differently about your customers

As a marketer and copy writer, I've long been familiar with the principle of selling in a way that solves a problem or relieves a pain.

5. Say 'No' to 1000 things: Think differently about design

Design applies to more than just the look and feel of a product or page. I'm applying this principle to our marketing plan to ensure we don't try to be all things to all people with our new products.

6. Create insanely great experiences: Think differently about your brand experience

How awesome would it be for someone to describe their experience of our bran as 'insanely great'? So far I've only got the tiniest inkling about how we're going to achieve this, but I love the idea, and am going to try to weave it into everything we do.

7. Master the message: Think differently about your story

The way we tell the stories of our products, and the way people respond to those stories is what sets one business apart from another. 

Have you been inspired by Jobs' legacy too or perhaps you're suffering from fawning fatigue? Please share your thoughts.

WITH SUMMER FAST APPROACHING YOUR HOUSEHOLD BILLS ARE SURE TO INCREASE! HAVE A LOOK AT THESE TIPS TO HELP YOU SAVE MONEY!

1. Switch off stand-by power - Save up to $80 per year. Entertainment systems are the worst offenders so switch appliances off at the power button or at the wall were practical.

2. Use energy efficient light bulbs - Save more than $60. They use about 80 per cent less energy and last up to fifteen times longer compared to standard incandescent bulbs.

3. Don't over heat or over cool rooms - Save over $80 per year. Only heat or cool the room you're using and close blinds and curtains to help keep the heat out in summer or in during winter.

4. Use the clothes line instead of a dryer - Save up to $60 per year. Apartment dwellers can now dry clothes on the balcony with strata approval.

5. Get rid of that second fridge - Save up to $250 per year. Fridges older than 15 years can use 2-3 times the electricity of an equivalent new model.

6. Shave two minutes off your shower - Save up to $100 per year. Hot water is the biggest energy user in the average home and two minutes less in the shower saves enough electricity to run a standard TV for 8 hours.

7. Install a triple star shower head - Save up to $140 a year on energy and water bills. Prices start at less than $20.

8. Buy high star rating appliances - You will save on running costs. Each extra star on a new air conditioner will reduce running costs by around 10 per cent per year.

9. Wash clothes in cold water - Save around $60 per year. The cost per cycle on a warm wash can be five times more than on a cold wash.

10. Don't run your pool pump for too long - Save up to $120 per year. Households with smart meters can save up to $374 a year, by running their pool pump outside the peak times.

*NOTE: These estimates are based on Energy Australia NSW regulated retail pricing.

ONLINE PURCHASING...ARE YOU REALLY SAVING MONEY? OR IS IT COSTING YOU MORE?

There are many things people purchase online. It may be cheaper to purchase online but there is probably a reason why it is cheaper. It may not meet all your needs and expectations and when it comes to the crunch you may not be covered. The money you may save buying a cheaper product online will not cover the greater loss you may encounter. 

A recent example was a Newcastle lady who bought travel insurance online and they said that her and her dependants are covered for travel. Her daughter got sick while on holidays and had to be flown back to Newcastle. She thought she would be covered through travel insurance but it cost her $42,000 to find out that her daughter was not classified as a dependent so she was not covered!

Another example is the recent floods in Queensland. People bought their house insurance online because it was cheaper but no-one told them it doesn't cover flood damage! So the cheaper policy did not save them money only cost them more.  

I was recently referred to a person to review their insurance policies and they advised my policies were more expensive than their existing policies. They thought they had death cover for each other but it was only accidental death. Imagine the distress and trauma caused if your loved one died and you thought you had life insurance but it only paid out accidental death. How would you tell your family?  

It's better to be sure and talk to a professional who can explain the fine print! If you would like a review of your own personal insurance policies to check you are covered for what you think you are, please give me a call, just for your own piece of mind!

Did you know that every day, 32 men learn that they have prostate cancer?

Movember, the official moustache season, kicks off this week. The initiative raises awareness around men's health issues with a focus on prostate cancer and depression.

With this in mind, these's no better time to talk to your financial planner about the importance of Critical Illness and Income Protection cover.

• FACT: One in 9 Australian men will develop prostate cancer in their lifetime
• FACT: Prostate cancer is the most common cancer in Australian men and the second most common cause of cancer deaths in men
• FACT: Simple testing by a GP can detect prostate cancer

As an insurance expert, i also play a role in raising awareness about health risks and their consequences. In addition to raising awareness, you can provide my clients with security, assurance and support by ensuring they are adequately covered.

Contact me now for a free appointment or a free quote. Or contact your financial planner to discuss further.

If you would like more information on Movember, head to http://au.movember.com

Mental Health Week - talking about the silent illness

Article courtesy of AXA insurance

Mental Illness can affect how a person feels, behaves and interacts with others.  The symptoms can be so wverwhelming that sufferers have great difficulty with daily tasks that others take for granted.  In more severe cases people with depressive disorders may not be able to get out of bed or care fro themselves properly.

During Mental Health Week, from October 9-15 2011, beyondblue will be helping to raise awareness of depression and anxiety and reduce the stigma associated with these conditions.

DID YOU KNOW.....

• Around 1 million Australian adults have depression and 2 million have anxiety disorders.
• 1 in 5 women and 1 in 8 men will experience depression in their lifetime
• Depression and anxiety are the most common mental disorders experienced by Australians, Depression alone is predicted to be one of the world's biggest health problems by 2020.
• Depression can be linked to family conflict, isolation or loneliness, unemployment, serious medical illness, and drug and alcohol abuse.

Depression is an illness, not a weakness - those struck down shouldn't be ashamed to seek help and they deserve to be free of financial worries while they are receiving treatment.

Income Insurance can help protect your lifestyle and support you through the financial stress that depression can cause.

Is your Christmas Card list growing out of control?

Do you dread spending hours organising your Christmas cards every year? Whether it is for your family and your friends or for clients and business colleagues, sending Christmas cards can be time consuming. Finding quality cards that are meet your expectations can be a  chore in itself, let alone the hours it takes to write them out, addressing envelopes and sticking on stamps.



The fact is you would love to be able to remember everyone, have the time to sit down and write your message of good tidings and well wishes to all but unless you are lucky enough to have a personal assistant with nothing else to do chances are you just won't send them.
Well there is a new way to send your cards out this year and not only is it cost effective (around $1.50 for a standard card which includes printing and postage) it is also time efficient.

In past years it has taken my office staff days to complete all our cards to our clients and business associates but last year we changed the way we do it and it took just 15 minutes. Yes that’s right we sent out over 400 cards and it only took 15 minutes to do it.

This new system for sending greeting cards is called SendOut Cards and for my business it has become and invaluable tool in our overall business procedures. Not only do I use it for our Christmas Cards we also use it for client birthdays, thank you cards even review reminders and invitations to special events. 

I still get to write my heartfelt message to each client, but without having physically do it.  You can even personalise it with your own family or staff photo.

It is so easy to use, there is an inbuilt client management system, much like and address book and you can import your contacts from Outlook or any other database system. To send a card you simply create a card, choosing a designed card or you can design one from scratch using your own photos. Write your message (you can even have your own handwriting set up as a font) and sign your card. Select your recipients and press send.

It is as convenient as email put with the personal touch of a real greeting card. This system has made a huge difference to my business. I often have several phone calls from clients every month thanking me for their beautiful cards. In fact for some clients it is the only card they get.

Never underestimate the power of a card with a special message.

Also with this system there is the opportunity to earn an extra income if you choose, otherwise you can just be a retail member and enjoy all the convenience and value of SendOut Cards.

If you are interested in finding out more about sendout Cards you can visit www.sendoutcards.com/wayne1 or call Wayne Lennan on 0412 494 243

Top 5 misconceptions about life insurance

1. It won't happen to me
It's easy to take your health for granted, particularly if your young, fit and active.  But everyone knows someone who's experienced a serious illness or injury.  You know it happens and it can happen at any age.

• 1 in 2 Australians will get cancer
• 1 in 6 men and 1 in 4 women will suffer a disability that will prevent them from working for more than 6 months
• 1.7 million Australians under the age of 65 live with a physical disability
• 2 out 5 Australians will suffer a critical illness before they reach 65

2. I've got life insurance inside my super

If you're an employee, chances are you will have some group life insurance cover inside your superannuation fund.  But do you actually know how much you have?

Group life cover is usually based on your level of salary.  But it doesn't take into account your level of debt or the number of dependents you have which are crucial factors to consider when determining your insurance needs.

If you have a young family, Rice Walker Actuaries recommend insurance 10 to 13 times your annual pre-tax income.  Your actual insurance needs may be higher or lower than this range, depending on your age, your debt levels and the number of dependents you have.  Based on the Australian average wage that's between $662,000 and $860,000.  Considering that the average insurance amount payable from superannuation is only about $70,000, it is clear that many Australians are dangerously under insured.

3. I'll be covered in some other way

Many people believe that if something happens that they will rely on financial assistance from Worker's Compensation, Government Assistance or Health Insurance.  While some level of assistance is often available from these sources there are some things you need to know about the level of support you will receive.

• Worker's Compensation Insurance - gives you financial protection against work related injury and provides income replacement and payment of medical costs for eligible workers.  It doesn't cover injuries that happen away from work, nor does it cover self employed, sole traders or independent contractors.  Payments are also capped so the level of protection may not meet all your needs.
• Social Security Payments - will provide some financial assistance for people with an illness, injury or disability, however you do need to meet eligibility guidelines to get this assistance.  Current cover for a couple aged of 21 years is $505.70 per fortnight each.  That's a combined income of $26,296 per year, which is less than half of the average Australian income.
• Private Health Insurance - it can help with a number of specified medical expenses but it can't help you keep up with your everyday living expenses, like your mortgage.  Benefits are often capped and may still leave you with a gap to pay out of your own pocket.

4. I'll use my savings or my Super

When you have a good level of savings or a large amount of superannuation it may seem like you've got a good safety net if you can't work for a while, but combine a lack of income with increased medical expenses and you might be surprised just how quickly your savings can evaporate particularly if you are still paying off debt.  Relying on your savings and super can also jeopardise your future financial plans and goals. 
Accessing your super isn't as easy as you might think, most super funds have pretty strict rules regarding accessing your super funds before the age of 65.

5. It's too expensive

When you have got so many things to spend your money on, insurance may seem like an unnecessary luxury, but think about some of the costs associated with injury and illness, like hospital and medical expenses, then think of the lost income that could result from months or even years out of the workforce. 

You wouldn't dream of not insuring your home or your car, so why would you value your ability to earn an income (your most important asset) at risk. 

$500,000 of life cover, $100,000 of TPD and Trauma Cover, and $3,000 per month of Income protection starts from as little as $3.00 a day for a 35 yr non smoking office worker.

Insurance doesn't have to be expensive, so contact us now to find out just how affordable your peace of mind is. 

Childhood expo highlights the need for insurance

I recently attended the Childhood Expo at Newcastle Panthers that was organised by the Child Alliance and couldn't believe how many businesses and products there are to service the needs of families with young children.  There were educational products and services, health products and services, child care services and much much more, in fact it was quite overwhelming!

All the products and services though had something in common, they all promoted family harmonisation as being the holy grail of a happy life and they're right.  Let's face it, if everything is going well at home pretty much everything else is going well too.

What did amaze me though was that people who were intelligent, caring parents that were looking for more options to improve their own lives and their children's were completely ignorant about their financial security.  Let's face it, we all want to give our kids the best start in life, with good health and educational opportunities, it's normal, in fact I tend to think it is hardwired into most of us to hope that our kids will do better than we did.

I spent most of my time at the expo talking to young parents, asking them about what they think is the most important thing they can offer their child besides love?  Nearly all of them answered "financial security and opportunities to be their best".  My next question was how do you give that to them, their answer "by working hard".  A great answer, as long as you can work hard.  Most of the people I spoke to had no personal insurance outside of their superannuation fund and even then, most didn't know how much they had or had even considered how much they need.

Seriously, I can't believe that people who obviously love their children and want the best for them can be so uneducated and ill informed about what could be the most important financial decision of their children's lives. 

Imagine just for a moment, the picture of the perfect family, happy, healthy and successful - there is a terrible car accident, the Mum is left fighting for her life and the father is killed instantly....what happen's to the kids?  Does anyone know?  Not one person I met could tell me what was going to happen to their kids, if something happened to them.  Most ummed and ahhed and then mumbled something about their retired parents taking the kids. 

The fact is most people don't have a plan, they usually don't even know they need one because we all walk around thinking we are going to live forever and for those of us that have come to terms with the fact we are going to die we like to picture it happening very peacefully at the ripe old age of 90 or more, after fulfilling all our ambitions and dreams.  Unfortunately for most people, that is not how it will happen - somewhere along the line there will be accidents, illnesses and maybe even premature death at a fairly young age.  While we can't always control what happens in our lives we can have a plan to deal with it.  Just like you teach your kids the family emergency plan in case of fire or flood etc, you need an emergency financial plan to help you to deal with life's unexpected turns.

Do you know what will happen to your kids if something happens to you?

If your not sure, I would urge you to sit down and talk about it with your partner, your parents and especially your insurance adviser and your solicitor.  Every parent needs a plan to make sure their children are protected even if they can't be around.

 Call us now on

02 4925 6125

we can help you with your own personal emergency plan.

Are low fat foods better for you?

In today's world, low fat labels on food products has become a powerful marketing tool. The promise of a slimmer waistline these labels are aimed at making consumers feel better about making a healthy choice, but is low fat better and healthier for you?

For many products “low fat” often equates to “high sugar” and in this case it is doing zero for your health. In many cases the high sugar content actually outweighs the low fat benefit and this is the real consumer trap. The fact is that sugar will convert to body fat faster than fat does, so eating a low fat yoghurt that has more sugar than the regular could actually be worse for you.

High sugar intake is associated with Type 2 diabetes and impaired glucose tolerance. Diabetes is considered the fastest growing disease in Australia with experts estimating that more than 4 million Australians will be living with the disease by 2015. Diabetes is associated with increased risk of heart disease, kidney disease, blindness and vascular problems that can result in amputation of limbs.

SO HOW DO YOU AVOID THIS TRAP??

Reading the nutritional information panel is still the best way to judge a food. Consumers need to look past the marketing labels and go straight to the nutritional information. 



Here you will find the fat content, sugar and carbohydrate level and most importantly the kilo joule value for the product. Don't be fooled by marketing labels, just because something is fat free does not mean it is necessarily better for you.

Further information
Australian Diabetes Council
Health Insite
Australian Diabetes Society (ADS)

Pet ownership - good for your health!



Science is proving that a furry friend is good for you


While 12 million Australian pet owners will agree that their furry friend is an important part of their life, science is proving that is also good for your health.



According to latest research pet owners have lower cholesterol, lower blood pressure and lower stress levels than those who don't have pets.  One famous study in the U.S. by the State University of New York, conducted an experiment on stressed out stock brokers all suffering from hypertension. One group was given dogs and a second group was treated with medication. The results revealed that after 6 months the group that was given the pooches were doing significantly better than those on medication who were still suffering with high blood pressure.

Scientists are still trying to discover the exact reason for the associated health benefits but latest studies indicate that when people are in the company of those they love either human or non human the brain releases oxytocin which suppresses the production of stress hormones. Pet ownership also encouraged increased physical activity and appears to have a psychological benefit also.

Quick Facts:

• Just 15 to 30 minutes with a pet can lower cortisol and increase serotonin levels.


• In a study of 240 couples, pet owners had lower blood pressure and heart rates.


• A US study found that non cat owners were 40% more likely to die of a heart attack


• Pets provide a multitude of benefits in rehabilitation programs including less need for pain medication, improved immune systems, lower blood pressure and better respiratory patterns



Thinking about a new pet, why not consider adopting a pet through the RSPCA or Pet Rescue.



The True Value of Life Insurance & Income Protection

A moving testamonial from a client who was recently diagnosed with terminal cancer.  He loves his family and made sure that he had appropriate insurance in place.  Mike didn't suffer from "it can't happen to me" syndrome, he wanted to make sure that no matter what happened in life to him, that he could take comfort that his family would be provided for.  Mike's decision to ensure his family would be taken care of is an act of love that will continue for years to come.

10 Things You Should Know Before Joining a Gym

Well it's that time of the year when we all feel compelled to shed a few kilo's that we have accquired over Christmas and New Year.  The time of year when we all make that resolution to look after ourselves better!  Before you rush out and sign up at the first gym you come across there are some things you should consider....



1. Shop around, don’t get pressured into signing up on the spot. Visit a few gyms to work out which one is the best value for you. Consider trying a casual membership for a month or a few visits to make sure it suits your needs.

2. Be cautious of “Great Deals”, some deals may not be that great once you read the fine print.

3. Read the fine print. Never take the saleperson’s word for it. Always take the time to read the gym contract. Ask to take it home to sign so it gives you time to take a really good look before committing to it.

4. Check that there is a cooling off period which allows you to cancel the membership with in a limited time.

5. Where will you be in 6 or 12 months? The gym may be in a handy location now, but consider if you will be changing jobs or moving in the next 12 months.

6. Paying up front can sometimes be cheaper but in NSW gyms are not allowed to accept payments more than 12 months in advance so you shouldn’t be asked to pay for more than 12 months at a time.

7. Direct debit sounds like a great idea, but you can be caught out with dishonor fees not only from the bank but also the gym. Make sure you consider what time of the month it will be debited and if it fits in with your own pay schedule, getting $30 worth of fees every month will make it a very expensive gym indeed.

8. If you need to cancel your membership check your contract to see what is required. Even if the contract requires you to visit the gym in person to cancel you should always do it in writing also as this will provide a record of the date you cancelled. Also be wary of any cancellation fees in your contract before you sign it.

9. Check if the gym is a member of Fitness Australia by visiting www.fitness.org.au. If it is a member it must comply with the NSW Fitness Code of Practice. The code requires that members give a 7 day cooling off period (if the contract is over 3 months), ensure employees are registered fitness professionals, allow you to cancel contracts in certain circumstances (such as serious illness) and resolve complaints quickly and fairly.

10. If you have a dispute with a gym, check if it is a member of Fitness Australia. If they are Fitness Australia will help nbegotiate your dispute if you submit it to them in writing. If the gym is not a member you can contact NSW Fair Trading on 13 32 20 for help and advice.