It’s difficult to understand why some of us value our motor vehicles more than we value ourselves. How do we know this? Motor vehicle insurance is paid without question but personal insurance in the main is not even considered. Motor vehicle insurance protects our vehicles and a third party should they become involved in an accident. With personal insurance we protect ourselves and therefore our families against accident should we become involved in one and we all know accidents happen.

A group that is particularly prone to accident is young people between the ages of 18 and 25. The statistics show that 36% of this group are hospitalised as a result of accidents.

Jason’s Mum didn’t fall into the category above. She was aware of the risks, to her son, of accidents and illnesses such as testicular cancer etc. An Electrician during the day with an income around $60,000p.a., Jason surfs and his latest thing is kite-surfing. Because kite-surfing is new, Jason’s skills are lets say in the ‘being tuned’ category, in short he comes a cropper ‘too wet and too often’ Jason’s mum was only too aware of the potential dangers associated with this and Jason’s other sporting activities and as a precaution against injury leading to time off work, very wisely sought advice regarding insurance protection.

The insurance protection available to Jason was Income Protection, Life insurance, Total Permanent Disability insurance and Trauma insurance.

Income Protection insurance would provide Jason with an income if he were unable to work for more than a month. It would also continue to make Jason’s superannuation contributions.

Life insurance would meet those finite expenses.Total and Permanent Disability insurance would provide a lump sum if Jason was unable to work again.Trauma insurance will provide lump sum payments for such illness as Cancer, Heart Problems and Diabetes etc.

Recent research by the Commonwealth Bank found that most Australians do NOT have adequate insurance protection.

Jason now has…Thanks to his MUM………………Do you !

Finance  and investing are part of your lives, however a bit like computers, you know that you should have a better understanding of them. More often than not it is off to the " to do another day" box (another day never comes).

So you leave your money to the ups, downs of currency and share markets, low interest rates,high interest rates,bad tennants, no tennants, taxation and inflation.Many of which, can be good long term investments. The problem is Time. The Time when you need to use your money and the markets are down...a lot.

What can you do about it? You can invest in most of the above with an assured Capital Guarantee.

iMeritus will show you how can invested in Australian and Overseas Share markets and Currencies, Term Deposits etc and still be able to sleep at night.An investment platform that guarantees your capital and/or income against market falls is now available.

Come along to our seminar on Wednesday 14th. July ----5:30 pm to 7pm and find out more  Call 5474 4428 to book (essential)

Typically when we least expect it, we,re hit with another blow, this time from Greece and some of her Euro zone sister countries, the mining tax and currency flight.

The negative effect on your investments and/or life savings may have been significant.

However some  investors have avoid this latest downturn by protecting the value of their investments. The costs of such protection are minimal when compared to the losses that could have resulted, thus proving what very good value this stategy has proven to be.

For those of you interested in a protection strategy, it,s not to late ...it,s essential.