Tudor Times October 2010

Posted by Naomi Rosenthal on Monday, October 18, 2010 In : Newsletter 

Where does the year go? It seems just a few short months ago we were worrying about economic depression and market volatility was at an all time high.
With the world still trying to recover from the biggest recession since the Great Depression, volatility is still a concern to many investors.
In this issue, we explore how you can successfully ignore market fluctuations and focus on what's important; we offer some great tips on how to feel good about your purchases; and provide some ideas on set...


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Escape Buyer’s Remorse

Posted by Naomi Rosenthal on Monday, October 18, 2010 In : Cashflow & Budgeting 

After buying that new outfit, have you ever felt that you shouldn’t have done it? That you’d wasted your money? That you really didn’t need it anyway? Or did you spend the hour following your purchase running through reasons of rationalisation to justify spending the money?

Buyer’s remorse is the feeling of regret after a purchase. It’s usually associated with the purchase of higher value items such as a home or a car. It may stem from a sense of not wishing to be wrong, of guilt o...


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Volatility and short-sightedness (myopia)

Posted by Naomi Rosenthal on Monday, October 18, 2010 In : Investment 

Myopia [mī-ō’pē-ə] noun: Lack of discernment or long-range perspective in thinking or planning.
Volatile [väl′ə-tīl′] adjective: (of prices, values, etc.) tending to fluctuate sharply and regularly.
The biggest investment mistake you can make is not getting started. But a close second is bailing out of the market before your financial plan has a chance to come to fruition.
You zig, when you should have zagged. You jump ship with the intention of getting back in at a later date. But ...


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Creating the Whole

Posted by Naomi Rosenthal on Monday, October 18, 2010 In : Goal Setting 

I came across an activity sheet that I had completed as part of a Toastmasters education session a couple of years ago. It was split into three sections.
The first was a list of 10 things I needed to do to have a complete week, month or year. Looking back over the list there are only two things I’m not currently doing – the first because I have undertaken studies and something had to be put on the backburner, and the second because I just plain old forget to walk outside the office for a s...


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Business Expenses Insurance

Posted by Naomi Rosenthal on Thursday, September 9, 2010 In : Small Business 
If you run a small business, you’ll likely have considered a range of insurances that protect your business.
Depending on the nature of your business, you may need a range of covers for various circumstances. If you’re self-employed or in a small partnership, it’s essential to be able to keep the business going if something went wrong. Here, we explore business expense insurance.

Business expense insurance.
Business expense cover is your financial back up plan for your business.
It gives yo...

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Death or Disability of a Business Partner

Posted by Naomi Rosenthal on Thursday, September 9, 2010 In : Small Business 
As a small business owner running an established and successful business, you’ve invested your time and effort into creating a profitable enterprise and it has become not only your present but your future too. Many small and medium business owners come see their company as a large part of their retirement plans, anticipating to sell the business and extract value from it based on the sale of any business assets, stock or the all important “good will”.
Retirement is not the only way to ex...

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Hassle-free employer super

Posted by Naomi Rosenthal on Thursday, September 9, 2010 In : Small Business 
What does Choice of Superannuation Fund mean for employers?
Choice of Superannuation Fund (COF) legislation allows employees, with some exceptions, to choose an eligible super fund into which their employer Superannuation Guarantee (SG) contributions are paid.
COF was introduced to provide employees with the freedom to select their own super fund, and to encourage people to take control of what for many will be their biggest source of retirement savings.
For employers, this means you may have to...

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