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MYA CLIENT NEWSLETTER

In this edition:

• Avoid chasing returns – Keep your end goal in sight
• Matter of the heart
• Recipe: Chicken and vegetable pilaf
• Spotting what is too good to be true
• Five tips for the wine drinker
• Financial Tip: How you is your financial wealth tracking?

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BEHAVIOURS THAT THREATEN YOUR FINANCIAL SECURITY

For most investors, recent market volatility has resulted in heightened anxiety and concern. While we believe that risks do remain in what might ultimately go down as one of the most significant crises in financial markets history - it is clear that many investors are being guided by an unprecedented level of fear and emotion.  We’re all emotionally involved with our money at some level. Nobody is immune to factors that influence behavior. Fear, greed, indecision and regret are the emotions most frequently linked to harmful investment decisions. They all render people susceptible to a variety of pitfalls.

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WHAT WOULD HAPPEN IF THERE WAS NO WAGE?

We are up to our ears in debt, most of us living pay packet to pay packet. In just 20 years, household debt as a percentage of disposable income, has quadrupled, from around 40 per cent to close to 160 per cent.  According to figures compiled three years ago (and the levels would be higher now) the average monthly home loan repayment in Australia was $1500 a month, while other debt averaged $14,000 per household. That's the debt; then there are the future obligations. Right, so you have a mortgage, the car insurance due, the school bills to meet, the family to feed and clothe -- and you get injured in a car smash, or develop cancer. After the sick-leave payment runs out, and you get diagnosed with 40 or 50 days up your sleeve, there is suddenly no money. With over 345,000 cancer cases in Australia diagnosed every year this is a reality. So what happens if there was no wage?

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INTRODUCTION TO DEBT MANAGEMENT

Managing your finances to meet your day to day requirements as well as your long-term goals can be a complex task. There are all sorts of issues you need to consider such as taxation, legislation, protecting your wealth and assets, associated costs and the inherent risks of investment. When undertaking a financial plan it is important that you understand how these issues will impact on you and what you should expect over time.

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My Adviser (formerly Australian Investment & Financial Planners) is a group of specialists - specialists in comprehensive financial services for young and for old - for those who are striving to get started on the road to financial independence as well as those who want their hard-earned assets to be protected and to grow as they work towards retirement.

At My Adviser we don't promise miracles, but we do offer professional solutions coupled with caring service. Above all, we offer value. We are proud of what we do and of our place in the community. There are no shortcuts to excellence, so we couple the latest technology and techniques with personal commitment to bring you superior solutions that you can afford.

My Adviser Pty Ltd has been issued by the Australian Securities & Investments Commission (ASIC) with the Australian Financial Services Licence Number 238307. We are a Principal Member of the Financial Planning Association of Australia.

This means that all your needs can be met through just one professional who can coordinate your requirements by making use of all our resources and specialist staff. Just one personal adviser will take care of and be responsible for all your investment, saving, borrowing and risk management needs.