Wealth Tips and Education

Your 12 Step Guide to Creating Work / Life Flow in 2012

2011-11-27T17:36:00.000-08:00

Wednesday 7 December 2011
Brisbane Workers' Community Centre
7.00 - 9.00pm

How would you like 2012 to be the best year ever? The year where your work life balance was achieved?

Yes I hear you say? But how?

Expert Brigitte Hinneberg has the answer to that question!

Register here...

As a Top 10 Business Book Best Selling Author and Personal Coach, Brigitte teaches you how to bring exceptional organisation into your home and your life freeing up time and money to focus on the important things like being your with loved ones, connecting with family and designing your future!

Delivering a unique and customised event for Wealthyfrog Members and friends, Brigitte presents a 12 dimensional interactive workshop on how you can get the most out of your 2012. Everything from targeting areas that need addressing to making those shifts in habits and those elusive mental shifts that may have been holding you back from being and living the best life you can.

Brigitte generously shares some of the secrets to getting organised which hundreds of her clients benefit from every day - this event will surely change your life and is simply not to be missed! “

Read more about Brigitte here...

Who Wants to be an Entrepreneur?

2011-04-28T20:54:00.001-07:00

Wednesday, 18 May 2011, 6.45pm, Paddington, Brisbane
click here for more info

Entrepreneur: noun a person who sets up a business or businesses, taking on financial risks in the hope of profit

We are very happy to welcome two brilliant speakers at this very special Entrepreneur's event.

Welcoming our first speaker, Mike O'Hagan of MiniMovers, whose story of building his $25m company from a mere $200 over 25 years is absolutely inspiring. Mike will share his passion for building businesses with his "do it differently" approach and "out of the box" thinking. Mike says “my education at the very best school (of hard knocks), guarantees I’ll challenge many commonly held beliefs”. Mike has recently returned from speaking at Kochie's Business Builder's Boot Camp in Sydney.

John Rivett of Kixstaart is our second speaker and equally has an awesome story to tell about his experience building businesses from concept to inception and beyond. John's passion lays with providing capital investment from "Angel investors" to help kick start new ventures. John will share the process of accessing funds, using them and the next steps to take to pursue business ambition and the pitfalls to watch for along the way.

YOU SHOULD ATTEND IF:
- You are thinking about starting a business - big or small
- You want to be inspired by some of the best in the business
- You think you are already an entrepreneur and want to challenge your beliefs
- You need more information about angel investing and how to get your concept funded
- You have burning questions about the reality of being in business for yourself

We look forward to welcoming you - register now

Your Steps to becoming a Property Developer Event

2011-03-21T20:51:00.000-07:00

FREE Event | All Welcome | Register NOW

Wednesday, 13 April 2011, 6.5pm, Brisbane Worker's Community Centre, Paddington

What you absolutely must know BEFORE getting started!

Craig Christie, Director and Principal Planner of ASI Planning has been a Town Planner for over ten years helping hundreds of clients with their development applications. More about Craig here...

1. Learn how to identify the highest and best use of land
2. How to buy land before it gets rezoned for higher and more intense uses and make money
3. How to develop land you don’t even own
4. How to find development opportunities that may be right under your nose
5. How one client developed that big corner block and made over $150k
6. How to get a development application that would typically take 3 months to get a decision approved in 5 days
7. The biggest change to property developing that few property developers know about and how you can take advantage of it immediately
8. How to reduce the risk in your next property deal
Craig will be sharing his knowledge and will showcase a current "real deal" of a 4 lot subdivision at Boondall with an on target profit of $200,000.

All Welcome - we look forward to seeing you then, register here...

Economic Update Evening - FREE Event - All Welcome

2010-10-14T19:26:00.000-07:00

Tuesday 26 October 2010
6.45pm - 9.00am
Brisbane Worker's Community Centre, Paddington
Register now...

We are very pleased to welcome David Wright of the Treasury Division at Bank of Queensland as our next Guest Speaker to deliver an Economic Update.

As investors, staying informed about the state of the market you are investing in is crucial. This event is not to be missed.

David will be providing an update on the current market conditions including a forecast on interest rates and the Australian Dollar. He will cover the activity in the financial markets prior to the GFC and explain the effects on the economy and what the future holds.

David will also provide us with a current financial market overview and his informed view on how the share and property markets may behave into 2011 and beyond.

As usual, please send through any questions or issues you would like addressed by David in advance of the event.

We look forward to welcoming you on the 26th!

Register here...

Advanced Property Strategies Event

2010-09-01T02:48:00.000-07:00

Putting Your Property Strategy Into Action - Interactive Q & A Panel!
Wednesday 15 September 2010 6.45pm - Paddington
More information here...

Following on from the August event on "5 Ways To Buy Property That You Never Knew Existed" - the "Putting Your Property Strategy Into Action - Interactive Q & A Panel" will cover the logistics of tackling your next investment.

Three case studies will be discussed:

1. Renovation Strategy
2. Spec House and Land
3. Small Sub-Division

The Panel Members are:

Nhan Nguyen - Director - Green Mint
Craig Christie - Town Planner - The Planning Place
Brent Smith - Licensed Builder, Building and Pest Inspector - Twenty20 Building Inspections
Kane Woolmer - Mortgage Broker - Australian Specialty Financial Services
Michael Quinn - Lawyer - Quinn & Scattini
Richard Starr - Wealth Coach - Wealthyfrog

We look forward to welcoming you to this interactive event!

Register here...

Understanding The Real Story Behind Investing in the Share Market: Current Local and International Issues

2010-06-07T20:52:00.000-07:00

Wednesday 23 June 2010 - 6:45 pm

Fear, Greed and Lack of Trust Revisted…. OR “Fat-fingers, Greece and Tax”?

This market update will cover the key issues for investors around the most recent events in the local and international markets – the main questions on the investor’s mind are:

• What has happened?
• Why has this happened?
• What does this mean for investors?

Put the events of the previous months into a longer term perspective…

Register here...

Get your questions answered by our good friend and Investment Specialist Nicole Morrell from Perennial Partners. Nicole’s professional and energetic presentations are always well received by our members and guests – this event is not to be missed! Please send any specific questions in advance of the event!

Read more about Nicole here...

VENUE DETAILS:
Brisbane Workers' Community Centre,
Address: Rear of 2 Latrobe Terrace, Paddington
Location: Cnr Latrobe & Given Terraces Paddington
Entry: Off Given Terrace into rear carpark
Google Map: http://bit.ly/RlaCL

Register here...

Join us for a FREE Property Q and A Panel Event....

2010-05-17T20:20:00.001-07:00

Wednesday, 19 May 2010 - FREE entry...

There's so much information out there! How do you get the answers to your questions?

This panel of five property experts will interactively share their knowledge and experience with you via a Moderator.

Joining us is an Accountant, Mortgage Broker, Professional Property Investor, Real Estate Professional and a Wealthyfrog Coach. View the panel here...

The basics of property investing will be covered through to the more complex issues including:

* Research, research, research

* Portfolio structuring options and benefits

* Tax considerations

* Finance - leverage through structure

* Short and long term investment strategies; and

* Creative property scenarios.

This is a FREE event and seats are limited - we look forward to seeing you at this exciting event! Don't miss out - book now

Could you benefit from a mindset makeover? Join us at this very special event...

2010-04-01T22:41:00.000-07:00

Building your own successful mindset can deliver you a balanced life of choices, money and time - the good news is that YOU CAN learn how!

Do you ever:
- set goals but lack the commitment to achieve results?
- sabotage your success with negative thoughts?
- desire to live a fulfilled, happy life but face the same old problems over again?
- suffer from the same health problems year after year?
- feel lost or lacking direction in life or career and don't know how to change it?
- create or earn good money only to lose it again?

Donna Groves and Shaun O'Gorman from Live it Up Coaching & Kinesiology have created this unique interactive event for Wealthyfrog so you can experience how to:

- Get in tune with your "thinking behaviour" ie. your positive and negative thoughts
- Use your thoughts to drive your success and drop the unhealthy ones all together!
- Understand your relationship with money and how it affects your success
- See the opportunities in everything you experience on the journey to your goals
- Regain control of the important areas in your life

Read more about Donna and Shaun here: http://bit.ly/d5rrcU

This is a FREE event and seats are limited - we look forward to seeing you at this exciting event! Don't miss out - book now! http://bit.ly/96Z2cs

Mini Eat That Frog Event hosted by Wealthyfrog - first time offered in Brisbane!!

2010-01-21T22:06:00.000-08:00

Wednesday
17 February 2009
6.00pm - 9.00pm
Brisbane Worker's Community Centre, Paddington

If procrastination or not having enough time in your day is stopping you from achieving all of your goals, and you are not living up to your full potential, this one off "Mini Eat That Frog" Networking/Training Seminar is for you!
You will experience in less than 120 minutes how to...

- Set Clear Written Goals
- Problem Solve Your Goals
- Set Deadlines On Your Goals
- Eliminate Obstacles Preventing You From Achieving Your Goals
- Connect With People To Achieve Your Goals
- Create A To Do List To Achieve Your Goals
- Prioritise Your To Do List Using The A,B,C,D,E Method
- Understand The Pareto "80/20" Rule Principle
- Eliminate Procrastination And Take Action

Register now: http://bit.ly/6MWVKw

Guest Speaker: Mark Garbelotto, Master Brian Tracy International Trainer
An accredited licensed provider of the Brian Tracy International seminar programs in Australia. The "Eat That Frog" workshops are written by world renowned Brian Tracy.
Read more about Mark here: http://bit.ly/4Lw11F

FREE BONUSES for every attendee .. see more here... http://bit.ly/60pccO

FREE Bonus Gift #1 - ($29.97 value) "Time Power" ebook. A Proven System For Getting More Done In Less Time Than You Ever Thought Possible by Best Selling Author Brian Tracy.
FREE Bonus Gift #2 - ($29.97 value) "21 Ways To Manage Your Time And Double Your Productivity" MP3 Download Audio By Brian Tracy.
FREE Bonus Gift #3 - ($47.00 value) "Mini Eat That Frog" Participant Work Book. Work Book Written by Brian Tracy and Mark Garbelotto. NB: Training workbook provided at the Workshop

FREE Bonus Gift #4 - ($34.97 value) "Goals!" Ebook. How To Get Everything You Want - Faster Than You Ever Though Possible by Brian Tracy

FREE Bonus Gift #5 - ($53.97 value) "Goals!" MP3 Download Audio.
How To Get Everything You Want - Faster Than You Ever Though Possible by Brian Tracy

Address:

Brisbane Worker's Community Centre, Paddington
Address: 2 Labtrobe Terrace
Location: Rear of 2 Latrobe Terrace - cnr Given Terrace & Latrobe Terrace
Entry: Off Given Terrace via carpark
Parking: At venue or 2 hour street parking on Latrobe Terrace & Given Terrace
Google Map:

If procrastination or not having enough time in your day is stopping you from achieving all of your goals, and you are not living up to your full potential, this one off "Mini Eat That Frog" Networking/Training Seminar is for you!

FREE for Wealthyfrog Members and welcoming attendees @$47.00 per person payable at registration. Register now: http://bit.ly/6MWVKw

We look forward to seeing you at this exciting event! Don't miss out!

"Small differences in your performance can lead to large differences in your results...Brian Tracy

Why Wealthyfrog? http://www.youtube.com/watch?v=74YBh-B_D6M

Economic Overview - Shares & Property - the year that was and what's ahead...

2009-11-26T17:13:00.000-08:00

Thursday, 10 December 2009
6.45pm for a 7.00pm start

Nicole Morrell, Investment Specialist, Perennial Partners
Clive Bancroft – Australian Property Masters

What a year 2009 has been! Join us at the final event for the year.

Nicole Morrell, Investment Specialist at Perennial Partners will revise the year that was for our equity markets, and look to 2010 to address 10 key issues regarding how the Australian equities market could behave in the new year.

Clive Bancroft from Australian Property Masters will highlight significant market activity for Australian Property Market in 2009 and the affect it may have on the outlook for 2010. Clive will cover the main areas of consideration for existing property investors and those wishing to enter the market in 2010.

This event will provide an insight into the year ahead, so don’t miss it! The information delivered at this event is vital for your future investment decisions.
Free for Wealthyfrog Members and welcoming attendees @ $20 per person (payable at the door). We look forward to seeing you at this exciting event! Don't miss out!

Registration Link: http://bit.ly/20iQIE

How to renovate property for financial gain - the easy way! Wednesday 28 October 2009, 6.45pm - 9.00pm Guest Speaker: Jane Eyles-Bennett – Hot Spac

2009-10-26T21:36:00.000-07:00

Renovating for profit is a very popular investment strategy for those who can do the handy work themselves - but is there a better way?

Watch what you will learn at this event here

Come to this event and be inspired about your next renovation - whether it's to spruce up your home or turn a profit to continue investing.

Jane Eyles-Bennett comes to us with a world of experience in renovating for profit and will help you discover how to:

Create a ‘designer style’ property regardless of your budget
Increase the value of your property dramatically
Carry out a low risk, budget conscious, cosmetic renovation that makes you money
Sell or rent your property faster and for more money
Renovate your property swiftly, smoothly and easily
Make a ‘smoking’ profit from your renovation
Modernise your property dramatically

Free for Wealthyfrog Members and Welcoming Guests @ $20 per person (payable at the door). We look forward to seeing you at this exciting event! Don't miss out! This event has limited seating.

Register now!

Location Details:

Brisbane Workers' Community Centre

Cnr Latrobe & Given Terraces Paddington

Entry off: Given Terrace

Google Map of the Venue

PROPERTY TWIST EVENT

2009-09-03T22:12:00.000-07:00

Wednesday
23 Sep 2009
6.45pm - 9.00

Brisbane Worker's Community Centre, Paddington
Address: 2 Labtrobe Terrace
Location: Rear of 2 Latrobe Terrace - cnr Given Terrace & Latrobe Terrace
Entry: Off Given Terrace via carpark
Parking: At venue or 2 hour street parking on Latrobe Terrace & Given Terrace
Google Map: http://bit.ly/RlaCL

Justin bio
www.thewebconsole.com/process/articlesView.php?articleId=8616

"Property deals with a profitable twist are definitely out there, you just need to know how to find them!" Justin Eslick

We all know the deals are out there, but how do we find and secure them? Guest Speaker, Justin Eslick's earliest and childhood memories are of property renovations and building sites which he regularly visited with his father Paul Eslick (one half of the Reno Kings). Register me now!

Since then, he's worked professionally on both sides of the fence, as an Investor, Developer, and as a Buyer's Agent. Justin merges his unique research, acquisition skills and experience into an energetic and informative workshop designed to help you make better property investments.

Justin will share his secrets with you at this very special event. Come and hear it from the best! You will learn the following:

- Top 10 Tips to Discovering Bargains

- 5 Ways to Beat the Agent and Buy Better

- Town Planning Secrets

FREE for Wealthyfrog Clients, and welcoming Wealthyfrog Guests @ $20 per person (payable at the door). We look forward to seeing you at this exciting event! Don't miss out! This event has limited seating.

Register Here: https://www.thewebconsole.com/process/myevents/eventDetails.php?evId=2827

PS: Have you got your FREE copy of 6 Steps to Financial Freedom e-book yet? Click here to get your copy now... http://www.6steps2financialfreedom.com/

Smart Money Workshop

2009-09-01T19:25:00.000-07:00

SMART MONEY EVENT

Wednesday, 16 September 2009
6.45pm for 7.00pm start

Brisbane Worker's Community Centre, Paddington
Address: 2 Labtrobe Terrace
Location: Rear 2 Latrobe Tce, cnr Given Tce & Latrobe Tce
Entry: Off Given Terrace via carpark
Parking: At venue or 2 hour street parking
Google Map

Registration Link: Click Here

Learn how to make your money work for you, so you can rest assured you are on the path to financial freedom that's right for you.

Money is an essential part of life, but if you are not managing what you have with a plan, saving regularly and investing it wisely - then it isn't working for you!
Join us for this interactive Workshop and discover how you can get get on top of your money using our proven wealth building strategies.

Learn the tools for good money management - what definitely works (and more importantly what doesn't work!) and how to protect your money in today's economy.

We will also be discussing the importance of having goals, having a strategy that you stick to, how to get started and stay on track.

Suitable for people from all walks of life, this seminar will expand your knowledge about money, raise your awareness about your potential and empower you to take control of your financial future.

Limited to just 40 people and at just $20 per person at the door or $30 per couple (bring a friend!) - it's great value! Avoid disappointment and BOOK NOW...

Have you been frogged?

2009-06-08T04:09:00.000-07:00

If you've been frogged, it means that you have been touched by Wealthyfrog and are starting to realise the potential of your financial future....

Property SWOT and End of Financial Year Party

2009-06-06T18:43:00.000-07:00

Thursday 25 June 2009 - 6.45 pm
Brisbane Worker's Community Centre

What are the strengths, weaknesses, opportunities and threats in the current property market?

Whether you are a first home buyer, investor or homeowner - your next move in property needs to be the right one!

The experts at Morpheus Property offer a market overview that will cover the state of the property market Australiawide with a focus on Brisbane.

We will also be celebrating the end of the Financila Year see you there!

Wealthyfrog is hitting the street...

2009-06-05T00:54:00.001-07:00

Wealthyfrog is coming to the streets of Brisbane City next Wednesday morning...

Fund managers are an expensive luxury paid for from your pocket!

2009-05-17T00:00:00.000-07:00

"Most investors, both institutional and individual, will find that the best way to own common stocks ("shares") is through an index fund that charges minimal fees. Those following this path are sure to beat the net results (after fees and expenses) of the great majority of investment professionals." - Warren Buffett, Berkshire Hathaway letter to shareholders 1996

So what is an index fund? It is an investment fund that is managed to track a particular sharemarket index, and so provide a very similar return that would be achieved from an investment in every company that is represented in the index.

An index fund is considered a passive fund, which differs from an actively managed fund that attempts to outperform the index. However, active funds employ teams of highly-paid analysts in their pursuit of outperforming their particular index, and as a consequence the fees that are paid out of investor’s funds are much higher.

Active management fees range from 1 - 2% pa of the capital that you invest, and a further 2 - 4% in commission is paid to the Financial Planner who helps you get into them. This means that you would need to earn a return of at least 3 – 6% on your funds in the first year just to break even!

The question that arises is whether you are receiving true value, or indeed a better return on your investment, from paying these extra charges in an actively managed fund?

Research has shown that less than 20% of fund managers will outperform the overall market in any given year, and those top-performing fund managers are not the same from year to year. Therefore investing in one of last years winners makes it unlikely that they will outperform the market again this year or next.

It is therefore almost impossible to consistently beat the index. Warren Buffett has said: “Cheap tracker funds will beat most managed funds over the long term.”

So if managed funds don’t regularly outperform the index, why not go straight to the source and buy an index fund direct? Here are some good reasons to buy an index fund:

• It takes the pressure off your expectations – slow and steady proves itself time and time again
• It’s cheaper to invest, it costs you just 0.3% of your invested capital or less in some cases
• Takes the stress out making individual investment decisions
• You can invest in them without having to go through a financial planner
• Index funds deliver better returns than most actively managed funds

Paying unnecessary fees for no additional benefit is not a good strategy in anyone’s book. These fees come out of your capital before your funds are invested. Why pay for expertise when there is not a long term consistent result. Reducing the drain of fees on your investment capital will have a compounding effect over the long term, making a difference of tens or hundreds of thousands of dollars in your retirement capital.

Of course, unless you have been investing for a while and have access to impartial research, you probably haven't heard about index funds before. This is because index funds are rarely advertised, rarely make the top of the performance tables over a short period of time, and since they generally don’t pay commissions, they are not considered by financial planners and advisers.

There is a whole series of index funds listed on the Australian Stock Exchange, which can be purchased for only the cost of normal share brokerage. These funds track the Australian S&P 200, as well as international indexes such as the American S&P 500, and the Global 100, Asia 50, Euro 350, and Emerging Market indices.

Things you can do in conjunction with your Financial Coach

• Research investment options that suit you
• Develop your investment strategy and then stick with it
• Consider starting with an index fund as the core of your portfolio
• Take action today!

What you can do today to make a start:

• Look for alternatives to managed funds
• Consider exchange traded funds and listed investment companies (another avenue to invest in the index)
• Check out www.asx.com.au
• Work with your wealth coach or a mentor

“Disclaimer” Although every effort has been made to verify the accuracy of the information contained in this material, Wealthyfrog AFSL Pty Ltd, its officers, representatives, employees and agents (“Wealthyfrog”) disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this material or any loss or damage suffered by any person directly or indirectly through relying on this information. Wealthyfrog has no associations with the financial product(s) or service(s) mentioned in this material. “General Advice Warning”. This material has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this material is General Advice and does not take into account any person’s individual investment objectives, financial situation or needs. Before making an investment decision based on this advice you should consider whether it is appropriate to your particular circumstances. Where the General Advice relates to the acquisition or possible acquisition of a financial product, you should obtain a Product Disclosure Statement (“PDS”) relating to the product and consider the PDS before making any decision about whether to acquire the product. Richard Starr is an authorised representative of Wealthyfrog AFSL Pty Ltd, Authorised Representative number 296825. Wealthyfrog AFSL Pty Ltd; AFSL 276895; ACN 101 092 228 www.wealthyfrog.com.au

Copyright © 2009 Wealthyfrog. All Rights Reserved

Background information:
Wealthyfrog provides neutral, unbiased and independent expert financial coaching geared towards helping people achieve financial freedom for life. Wealthyfrog does not sell any investments and has no bias to any particular investment area or strategy.

For more information and Media Kit:
Claire Grlj - 0401 439 612
claire.grlj@wealthyfrog.com.au
www.wealthyfrog.com.au

If you would like to use this article in your own publication, permission is granted ONLY if you include the following copy in its entirety at the foot of the article:

If you're ready to take control of your finances no matter where you are now, please visit www.wealthyfrog.com.au to get your FREE e-book entitled “6 Steps to Financial freedom”.

“Other advice warning” Before acting on any of the information included in this article please seek professional financial advice. This article was re-produced with the permission of Wealthyfrog AFSL Pty Ltd; AFSL 276895; ACN 101 092 228. Richard Starr is an authorised representative of Wealthyfrog AFSL Pty Ltd, Authorised Representative number 296825. Copyright © 2009 Wealthyfrog. All Rights Reserved

Personal money management at all time lows

2009-04-13T22:11:00.000-07:00

13 April 2009

Personal money management at all time lows

Queenslander’s personal money management is at all times lows, there are a number of things that can be done to improve this that will have a positive impact if started today.

Spending money is an issue we face daily as we spend money every day and the stress of living in the current climate of economic uncertainty and rising costs are fuelling our bad money habits.

Wealthyfrog Wealth Coach Richard Starr says “people believe that if they could just earn more money they could make ends meet or if they could get a pay rise they would catch up.”

”Invariably if we earn more, we spend more – bottom line is it doesn’t matter how much you earn, it’s what you do with what you earn that counts.” says Mr Starr.

Mr Starr’s research suggests that 40% of people spend all of their income. 50% spend more than they earn – eating into credit cards and home equity to support lifestyle and that less than 10% actively save and invest. Less than 3% actually have a well defined plan and purpose for their money.

“Most are unaware of the price tag for their current lifestyle and need to “get real” and “separate themselves” from bad money management. What’s required is an ongoing commitment to a personal money improvement project including self education, action and planning.” Mr Starr stated.

“If we don’t identify surplus cash flow, capture it and use it, we will never get ahead – if you can’t manage your personal money habits, you can’t manage investments” Mr Starr says, “and your investments are what will change your future if you start and nurture them today”.

Mr Starr suggests that there’s a number of things you can do to manage money better that are simple and effective.

“Start a money diary and take account of spending – yes every day! The results may surprise you. Identify the areas that are sucking up your cash flow and then address them.

Break down your lifestyle costs into day to day living, fixed bills, holidays and mortgages and there should be some surplus there – if not, you need to create some. You only have two choices – you either earn more or spend less. Once you have created the surplus income, what do you do with it? Some ideas are:

• Pay down non-deductible debt first
• Start a savings plan or put it into a mortgage offset account
• Start accumulating invested assets that will produce a return
• Seek professional advice about your long term planning
• Be deliberate and have a purpose
• Commit to ongoing education, sign up to newsletters that provide regular information

Make a “note to self” – this can be an enjoyable and rewarding process and stick with it, as Lao Tzu said "The journey of a thousand miles starts with a single step.".

Try this to get you started – get your free copy of 6 Steps to Financial Freedom. This e-book is available at www.6steps2financialfreedom.com.

The live event is being on 5 May 2009 at the Brisbane Worker’s Community Centre in Paddington, Brisbane. Register here...

Background information:
Wealthyfrog provides neutral, unbiased and independent expert financial coaching geared towards helping people achieve financial freedom for life. Wealthyfrog does not sell any investments and has no bias to any particular investment area or strategy.

For more information and Media Kit:
Claire Grlj - 0401 439 612
claire.grlj@wealthyfrog.com.au
www.wealthyfrog.com.au

“Disclaimer” Although every effort has been made to verify the accuracy of the information contained in this material, Wealthyfrog AFSL Pty Ltd, its officers, representatives, employees and agents (“Wealthyfrog”) disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained in this material or any loss or damage suffered by any person directly or indirectly through relying on this information. Wealthyfrog has no associations with the financial product(s) or service(s) mentioned in this material. “General Advice Warning”. This material has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this material is General Advice and does not take into account any person’s individual investment objectives, financial situation or needs. Before making an investment decision based on this advice you should consider whether it is appropriate to your particular circumstances. Where the General Advice relates to the acquisition or possible acquisition of a financial product, you should obtain a Product Disclosure Statement (“PDS”) relating to the product and consider the PDS before making any decision about whether to acquire the product. Richard Starr is an authorised representative of Wealthyfrog AFSL Pty Ltd, Authorised Representative number 296825. Wealthyfrog AFSL Pty Ltd; AFSL 276895; ACN 101 092 228 www.wealthyfrog.com.au

Copyright © 2009 Wealthyfrog. All Rights Reserved

If you would like to use this article in your own publication, permission is granted ONLY if you include the following copy in its entirety at the foot of the article:

If you're ready to take control of your finances no matter where you are now, please visit www.wealthyfrog.com.au to get your FREE e-book entitled “6 Steps to Financial freedom”.

“Other advice warning” Before acting on any of the information included in this article please seek professional financial advice. This article was re-produced with the permission of Wealthyfrog AFSL Pty Ltd; AFSL 276895; ACN 101 092 228. Richard Starr is an authorised representative of Wealthyfrog AFSL Pty Ltd, Authorised Representative number 296825. Copyright © 2009 Wealthyfrog. All Rights Reserved