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    Secure your family’s future


    2019 - 01.14

    For many of us, providing for our family is a primary motivation that prompts us to make plans and set goals for both our personal and business lives.
    Nanjing Night Net

    Buttoo many of us don’t give adequate consideration to the risks that could potentially derail the attainment of those goals and objectives.Let’s consider some facts and their potential implications:

    83 per cent of people in Australia have car insurance, yet only 31 per centhave income protection insurance.20 per centof all mortgage defaults are due to illness or accident.If you are in business with a partner the chance of one of you becoming disabled or dying before age 65 is 52 per cent.Generally speaking, the thought of losing your motor vehicle pales into insignificance when it is stacked against the potentially devastating impact of losing our capacity to generate income. Far more than just the motor vehicle is on the line if we are unable to generate regular income for six months, 12 months, two years or even the rest of our working lives.

    The thought of losing one’s home is also sobering. Hence the second statistic is another important one that points to the fact that for every person who can’t afford the repayments on their home mortgage, one in five was not due to the fact they didn’t budget appropriately or earned insufficient income. Rather, it was due to them becoming sick or injured in an accident.

    The final statistic is a side-step away from the importance of protecting income for an individual, to consider the likelihood that there could be a serious challenge where your business income is partly dependent on another individual.

    This additional layer of complexity and risk prompts the question, “Why would I not insure my income, or my business’ income, as a priority?”

    Too often, this is the missing piece of sound personal and business planning.

    Many people give consideration to addressing their personal insurance needs but end up placing it in the ‘too hard basket’ after thinking:What cover do I need?What are the differences in the types of cover and policies?It’s too expensive.

    Your insurance recommendations should also be co-ordinated with wills and estate planning needs, as well as with any business structures that your accountant has implemented or is recommending. An experienced financial adviser will provide guidance and assistance to ensure that you not only have an insurance portfolio tailored for your needs but that it works seamlessly with the advice you receive from other specialists who support you.

    Don’t wait until it’s too late to put appropriate insurance cover in place.

    Alex Myers, Financial Adviser, PKF Wealth

    Know the social media traps


    2019 - 01.14

    RIGHT LURE: Put in the work, do the research and you’ll attract more customers.Sometimes social media is a deal that sounds too good to be true, from a business perspective.
    Nanjing Night Net

    You have sites with millions of users, all of them looking to read and share content created by those they follow, and it costs nothing to tap in to?

    No business in its right mind would pass up that opportunity.

    However, social media marketing isn’t as easy as it may sound.

    You may be able to cast your lure for free, but people on social media are canny.

    They aren’t going to bite at just anything.

    So here are three mistakes you need to avoid if you want to catch potential customers.

    Getting on your soap box

    Social media is not a place where you can geton your soap box, shout louder than anyone else, and attract a long-term audience.

    It’s an interactive medium, which means you need to show people passing by your page that you are a person, and that you are willing to engage with them.

    You aren’t giving a speech,you are having a conversation.

    Not putting in the hours

    Social media marketing isn’t something you fiddle with in your free time.

    In order for it to succeed, it has to be a viable, vital part of your business plan.

    So make sure you dedicate time, planning, and human resources to making sure your social media marketing efforts are successful.

    Just winging it

    Before you get started, make sure you do your research, get an idea of what will make your marketing efforts successful, and watch the numbers associated with your posts.

    Adjust your plans based on the results your posts get, and re-evaluate your strategy every time you notice changes.

    Social media can be an excellent way to engage potential customers if you use it as part of a professional marketing plan.

    Craig Wilson is managing director of Sticky.Digital

    It’s taken 355 games, but Sydney’s learning to love Cameron Smith


    2019 - 01.14

    And then, just like that, we all finally got it with Cameron Smith.
    Nanjing Night Net

    The accountant-ish footballer who strolled into the Melbourne Storm 17 seasons ago without giving the slightest indication of the greatness within on Saturday will break Darren Lockyer’s record for most games played.

    In the qualifying final against Parramatta, in Melbourne Storm’s first step towards the premiership they apparently had locked up months ago, Smith will play his 356th match.

    For how many of those games, though, has he been warmly loved and respected and supported by a code that is so bitterly divided by state lines?

    Few players transcend the hatred vomited out by six weeks of State of Origin. In modern times, only Lockyer and Johnathan Thurston have really done it.

    It took a while, but Smith is finally there.

    “If people don’t like the way I play, that’s fine,” Smith says. “I’d just like to be respected for how I’ve gone about my business. If they don’t like me because of who I play for or who I’ve represented, that’s fine as well. Not everyone’s going to like you in sport: I got my head around that a long time ago. Whether this game changes people’s opinions, I don’t know.”

    Melbourne coach Craig Bellamy puts it this way: “He must be doing something right. Because I don’t think there was too much out of Origin this year about how much of a grub he is. If Cameron had played his career at a Sydney or Brisbane club, he would’ve been considered the statesman that he is now much sooner. His qualities and some of the things he’s done have been overlooked.”

    Perhaps. Maybe we’re just starting to understand him better. Maybe he’s showing us more of himself. Maybe we’ve come to understand his part in some of the game’s biggest controversies.

    Or maybe it’s just his post-match speeches. Smith loves a post-match speech. He nails a post-match speech better than anyone in the game.

    He almost stole the show from Cronulla after last year’s grand final with his graciousness and poise up there on the sparkly white podium, paying homage to Paul Gallen and long-suffering Sharks fans.

    He did something similar after the Origin decider this year as he paid tribute to teammate Johnathan Thurston, who had missed his final match for Queensland because of injury.

    “I’ve never been a good talker,” Smith says. “I was quite a shy guy through my teenage years. And I still am now. If I have to talk, I will ??? I feel I do well in those situations because it’s from the heart. It’s not fabricated. It’s just who I am. I speak what I feel. Last year I didn’t feel like talking too much, but felt strongly about saying that to the Sharks fans. It’s hard these days getting the real person to speak in front of a camera. There’s club messages and messages from the coach about stuff you can’t talk about. In those moments, I can be me.”

    So said Shakespeare: “Reputation is an idle and most false imposition; oft got without merit, and lost without deserving.” Smith’s reputation has been muddied by three significant controversies.

    He became the poster boy for the Storm’s wrestling techniques after he was suspended from the 2008 preliminary and grand finals for a tackle on Broncos forward Sam Thaiday.

    “Some will say he didn’t play in a grand final in which we were smashed [40-0 by Manly],” Bellamy says. “But I reckon he’d remember that grand final more than the others, because he wasn’t there. I can remember the next year, in 2009, in that finals series he had a look in his eye I’d never seen before. Before one of the finals, I remember going into the rooms and looked at him and thought, ‘I’ve never seen this before’. He wasn’t going to be stopped. I’ve got a point to prove here, and I’ll show it. To be honest, I’ve never seen that look in his eye since. I’d say he had it in Origin III this year.”

    Then came the devastation of the Storm’s salary cap scandal that saw them stripped of two premierships and forbidden from playing for points during the 2010 season. As the captain and the one receiving payments outside of the cap, he became the punching bag for that one, too.

    Without prompting, Smith recalls the moment his life was turned upside down.

    “We were at training at Princes Park and I realised Craig had left training,” he says. “He never leaves training, so I knew something was up. Right at the end, we were called into the meeting room and Craig told us the news.

    “We shed 11 players from that year and we came out and we were minor premiers that following year. That was a defining moment for our club. You can dish out whatever punishment you want and rip the club apart, but we can show you we are a quality organisation.”

    And then there were the dreadful events of round three at AAMI Park in 2014 when Knights backrower Alex McKinnon suffered a devastating spinal injury while playing against the Storm.

    While McKinnon was being attended to, Smith was speaking to referee Gerard Sutton and calmly defending his teammate, Jordan McLean, for his involvement in the tackle.

    “I don’t call it the ‘Alex McKinnon stuff’,” Smith says. “It’s the ’60 Minutes stuff’. That was pretty ordinary. More so for my family I was upset. My family had to sit through that and answer questions about it.”

    Smith is referring to the 60 Minutes interview with McKinnon aired in 2015 in which an edited version of Smith’s exchange with Sutton was shown to the wheelchair-bound footballer.

    McKinmon was furious and the story complicated an already delicate situation. Nine, ultimately, apologised to Smith on The Footy Show.

    “It was a hatchet job if there was one,” Smith says, still clearly wounded. “It was a stich-up on myself. In fairness to Alex, I think they stitched him up to. He was in a really difficult situation. I still haven’t seen the story, but by all reports it was a fantastic piece until they brought me into it. I don’t know why they went down the line that they did.”

    Says Bellamy: “Usually he can handle most situations, but that hurt him more than anything. It reinforced what a decent guy he is. He never fired back. He asked the question on the field at the time. He didn’t know the seriousness of the situation with Alex.”

    All three are dramatic twists and turns in an otherwise sparkling career that’s yielded premierships, Origin wins and Test victories.

    There’s the personal accolades, too. He’s broken so many records in recent years it’s hard to keep up with exactly what he’s actually broken.

    “He’s broken the record for breaking records,” joked former Storm fullback Matt Geyer when Smith played his 350th match earlier this season.

    Bellamy, of course, forecast none of this when he first laid eyes on Smith all those years ago.

    Much is made of how unimpressive Smith is in the gym, but what stands out for the coach is his captain’s mental toughness to play the position he does, for 80 minutes, and do it consistently well.

    “When I first saw him you would never have thought he was that resilient to play this amount of games,” Bellamy says. “To do it physically is one thing. But mentally, to think, ‘I have to make another 60 tackles next week’, is another. He’s a determined bastard. People outside the organisation probably don’t see how much.”

    In many respects, it’s reassuring to see a footballer like Smith break Lockyer’s record; a player who has reached the summit through footy nous and hard work and nothing more.

    It’s there for all of us to see each time one of Smith’s teammates is struggling to his feet and Smith already knows what he’s going to do when he plays the ball.

    “I do a bit of work on the opposition and their defence, especially around the ruck area. I try to find trends in what markers are going to do. But most of it is to do with my natural instincts. I’ve been very lucky to be given a skill to read the game. You read it a couple of plays ahead of where you are at that moment. It’s hard to explain: I can almost play a set out in mind before it unfolds. It’s something you can’t coach or teach, I just have that ability about where I need to go, where I need to pass, do I need to kick now? It just comes to me naturally.”

    This story Administrator ready to work first appeared on Nanjing Night Net.

    Liberals to campaign for Elliott at election


    2019 - 01.14

    POLLING DAY: Saturday is election day in Newcastle, Maitland, Port Stephens and Dungog in the Hunter. Picture: Simone De PeakLIBERAL Party volunteers will hand out material encouraging voters to support Kath Elliott on polling booths inNewcastle on election day, giving weight to a Labor Partycampaign that has sought to link the Newcastle Independent ticket to the conservative side of politics.
    Nanjing Night Net

    The material, authorised by Ms Elliott, instructs voters to choose the independent candidatewithout preferences.

    It comes after the Liberal Party earlier disendorsed its mayoral candidate, David Compton, as well as candidates in wards three and four, because of “irregularities” with their how to vote material.

    While those candidates will still appear on the ballot for the Liberal Partythey won’t be supported on polling day and could be subject to a contest in the court of disputed returns ifelected.

    Ms Elliott has not shied away from saying that she hoped to receiveLiberal Party preferences, andon Friday she said that she welcomed their support.

    But news that the Newcastle Independentswill receive direct support from the Liberal Party on polling day will give a boost to Labor, which in the final week of the campaign has dialled up the negativity on Ms Elliott’s ticket.

    The focus of Labor’s campaign has been in Ward Four, where incumbent councillor Allan Robinson is standing on the Newcastle Independent ticket with former NBN sports presenter Mike Rabbitt.

    Earlier this week the Newcastle Herald reported that Labor had begun distributingfliers linking Newcastle Independent candidates to the Liberal Party and former Newcastle Lord Mayor Jeff McCloy.

    The fliers specifically targeted Cr Robinson and Mr Rabbitt because of their links to Mr McCloy and attacked Cr Robinson’s record while on council.

    And on FridayNewcastle Lord Mayor Nuatali Nelmes releaseda statementcriticising Cr Robinsonfor voting against a motion to provide funds to modernise libraries a few monthsbefore the election.

    Cr Robinson had voted against the measure, along with the Liberal Party councillors, because it was tied up with budget measuresrelated to the 2015Special Rate Variation. But Cr Nelmes said in the statement that Labor was “the only team with a financial plan that can deliver these facilities”.

    “You can’t say one thing for fiveyears in the council chamber, and something completely different in an election campaign,” she said.

    But Ms Elliott said Labor’s tactics were proof they were “running scared”.

    “At this late stage we’re seeing a lot of negative campaigning towards us and we take that as meaning we’re a force to be reckoned with,” she said.

    And while the Newcastle Independents say they’ve run a “clean campaign”, both groups have clashed since the beginning of the campaign.

    Ms Elliott in particular has campaigned hard against Labor’s 2015 special rate variation, saying at one election forum that Cr Nelmes had run a “con” on the city by pushing for the increase.

    NRL boss to become principal


    2019 - 01.14

    Tim Cleary
    Nanjing Night Net

    FORMER Manly Warringah Sea Eagles chief executive Tim Cleary has been appointed the new principal of All Saints College, Maitland.

    Mr Cleary was principal of St Augustine’s College in Brookvale from 2002 to 2016.

    He became Sea Eagles CEO in January this year, but resigned in May.

    Mr Cleary will join All Saints College in January 2018 and head two campuses,St Peter’s (years seven to 10) and St Mary’s (years 11 and 12), under a unified leadership model that will include two heads of campus and three assistant principals responsible for welfare; faith/mission; and learning.

    Catholic Schools Office director of schools, Michael Slattery, said he was looking forward to Mr Cleary joining the Diocese of Maitland-Newcastle.

    “With 30 years of experience in the independent sector, Tim is a visionary leader, a great community builder and has high-quality education standards,” Mr Slattery said.

    “These attributes are essential to supporting All Saints College move forward to develop St Mary’s and St Peter’s campuses under the umbrella of college, enhancing the continuum of education across years seven to 12.”

    Mr Slattery said current St Peter’s principal Bernard Burgess and St Mary’s principal Phil Tobin, along with other executive leaders, will be given the opportunity to apply for the heads of campus and assistant principal positions.

    The college’s third campus, St Joseph’s atLochinvar, will separate and stand from January 2018 as its own schooland expand to take year 11 and 12.

    The St Mary’s campus will host a garden party on September 10 to mark thearrival of the Dominican Sisters in 1867.