AFFINITY MAGAZINE Is

sue

23 -

Feb

ruar

y 2

015

Our beloved EMAG is going SOLOhellip

The travel bug is ever present in all of us which makes our new amp improved travel portal so much more attractive

ASSOCIATION SPOTLIGHT

This month we focus on one of our Health Based Organisations The Lung Foundation of Australia

WHATrsquoS NEW AT AA

Check out our new organisations that have adopted the new amp improved benefits package

Whatrsquos In store for you this monthhellipEditors Letter 5

EMAG is going SOLOhellip

Association Spotlight 6

ldquoLung Foundation Australiardquo

Affinity PROFESSIONAL 13

Corporate Connectors - the story behindhellip

Legal HRIR Insurance Foreign Exchange Finance Business Coaching Safety In the Workplacehellip

Member Engagement 33

Affinity TRAVEL 39

Welcome to our new Travel Portals

Exchange Travel Seniors Holiday Travel

Affinity COMMUNICATIONS 43

Affinity LIFESTYLE amp ENTERTAINMENT 47

Affinity NETWORKING 49

Affinity FUNDRAISING 51

Affinity HEALTH amp WELLBEING 53

Affinity SHOPPER 57

MEDIA KIT 60

AFFINITY MAGAZINE

Editors Letter Well another month to cross off the calendar and we are well and truly into 2015

With so many big things on the horizon it is definitely hard to focus on any one thing and remain that way

The EMAG over the next few months will be taking on a new look and feel EMAG will even have its very own website - to be revealed very soon Still with the same great content from our dedicated providers but with some surprises added in along the way Letrsquos just say itrsquos going to be great

As we touched on in the last edition the launch of our 4 programs has been the main focus here at the AA Headquarters and we have been working hard to ensure that they go off without a hitch Just to recaphellip

Our four programs are all very different as to the kind of target market they are designed to attract They also have different levels of benefits but all equally s p e c i a l a n d e a c h c a r r y i n g particular qualities that are unique to their specific industry With all programs fully tailored to each individual organisation we are sure that we are onto something

To refresh your member the four programs are outlined below

The ldquoSupremerdquo Member Benefits P r o g r a m - d e s i g n e d f o r Associations Sporting Clubs amp Networking Groups

T h e ldquo A d m i r a l t y rdquo E m p l o y e e Rewards Program - aimed at large corporations and businesses to give Employers the edge when it comes to employee loyalty and satisfaction

The ldquoApplaudrdquo Customer Loyalty Program - for retailers and smaller businesses wanting to attract and retain their customers in todays tough economic climate

The ldquoAmbassadorrdquo Fundraising Program - Schools Charities amp Not for Profits will benefit from aligning with our Ambassador program and with our most recent alliance with Givematcher our organisations will have the opportunity to double their donations

For more information on any of our p r o g r a m s B e s u r e t o v i s i t wwwaffinityalliancecocomau or c a l l 1 3 0 0 7 9 3 0 4 4 f o r a n information pack

New Organisations A BIG WELCOME TO OUR NEWEST ORGANISATIONS

bull Corporate Connectors

bull Seniors Holiday Travel

bull Bay Audio

If you belong to one of these fantastic organisations be sure to keep on the lookout for your new Affinity members card amp kit which gives you all the access you need to a myriad of fantastic offers

New Providers

bull Training Aid Australia

bull ANYTIME FITNESS

bull OPSM

bull Lotus Living Designs

bull Exchange Travel

bull Seniors Holiday Travel

bull The Sassy Circle

bull Biizsearch

Thank you to all of our providers who have of fered fantast ic exclusive benefits for our members we could not do any of it without you

DININGWINING amp LIFESTYLE

Donrsquot forget to check out our new site with all the trimmings along w i t h t h e D i n i n g O u t amp Entertainment Guide Not only will you have exclusive access to the finest restaurants in the country with some fantastic deals for our AA members you will also be privy to the best in entertainment and events Be the first to book the latest show or concert and show off to your friends and of course donrsquot forget to tell them that you can only have access through lsquoAffinity Alliancersquohellip

If you would like the opportunity to advertise your restaurantcafe and can offer an exclusive deal to our members let us know We are always on the lookout for new providers and our members love it

Affinity Travel With the launch of our very own travel portal members will never be stuck for holiday ideas

A dedicated travel amp leisure portal its not just customers who take holidays through Affinity Travel the prices do to You will find massive savings on flights over 200000 hotels tours and transfers available across a wide range of worldwide travel destinations with many integration options

travelaffinityalliancecocomau

Fiona McTaggart AA Managing Director

If you would like to advertise your organisation or business with Affinity All iance to offer our members even more value for money please contact our head office on 1300 793 044 or email adminaffinityalliancecocomau for details and a copy of the AA Media Kit

wwwaffinityalliancecocomau

AFFINITY MAGAZINE

Whatrsquos In store for you this monthhellipEditors Letter 5

EMAG is going SOLOhellip

Association Spotlight 6

ldquoLung Foundation Australiardquo

Affinity PROFESSIONAL 13

Corporate Connectors - the story behindhellip

Legal HRIR Insurance Foreign Exchange Finance Business Coaching Safety In the Workplacehellip

Member Engagement 33

Affinity TRAVEL 39

Welcome to our new Travel Portals

Exchange Travel Seniors Holiday Travel

Affinity COMMUNICATIONS 43

Affinity LIFESTYLE amp ENTERTAINMENT 47

Affinity NETWORKING 49

Affinity FUNDRAISING 51

Affinity HEALTH amp WELLBEING 53

Affinity SHOPPER 57

MEDIA KIT 60

AFFINITY MAGAZINE

Editors Letter Well another month to cross off the calendar and we are well and truly into 2015

With so many big things on the horizon it is definitely hard to focus on any one thing and remain that way

The EMAG over the next few months will be taking on a new look and feel EMAG will even have its very own website - to be revealed very soon Still with the same great content from our dedicated providers but with some surprises added in along the way Letrsquos just say itrsquos going to be great

As we touched on in the last edition the launch of our 4 programs has been the main focus here at the AA Headquarters and we have been working hard to ensure that they go off without a hitch Just to recaphellip

Our four programs are all very different as to the kind of target market they are designed to attract They also have different levels of benefits but all equally s p e c i a l a n d e a c h c a r r y i n g particular qualities that are unique to their specific industry With all programs fully tailored to each individual organisation we are sure that we are onto something

To refresh your member the four programs are outlined below

The ldquoSupremerdquo Member Benefits P r o g r a m - d e s i g n e d f o r Associations Sporting Clubs amp Networking Groups

T h e ldquo A d m i r a l t y rdquo E m p l o y e e Rewards Program - aimed at large corporations and businesses to give Employers the edge when it comes to employee loyalty and satisfaction

The ldquoApplaudrdquo Customer Loyalty Program - for retailers and smaller businesses wanting to attract and retain their customers in todays tough economic climate

The ldquoAmbassadorrdquo Fundraising Program - Schools Charities amp Not for Profits will benefit from aligning with our Ambassador program and with our most recent alliance with Givematcher our organisations will have the opportunity to double their donations

For more information on any of our p r o g r a m s B e s u r e t o v i s i t wwwaffinityalliancecocomau or c a l l 1 3 0 0 7 9 3 0 4 4 f o r a n information pack

New Organisations A BIG WELCOME TO OUR NEWEST ORGANISATIONS

bull Corporate Connectors

bull Seniors Holiday Travel

bull Bay Audio

If you belong to one of these fantastic organisations be sure to keep on the lookout for your new Affinity members card amp kit which gives you all the access you need to a myriad of fantastic offers

New Providers

bull Training Aid Australia

bull ANYTIME FITNESS

bull OPSM

bull Lotus Living Designs

bull Exchange Travel

bull Seniors Holiday Travel

bull The Sassy Circle

bull Biizsearch

Thank you to all of our providers who have of fered fantast ic exclusive benefits for our members we could not do any of it without you

DININGWINING amp LIFESTYLE

Donrsquot forget to check out our new site with all the trimmings along w i t h t h e D i n i n g O u t amp Entertainment Guide Not only will you have exclusive access to the finest restaurants in the country with some fantastic deals for our AA members you will also be privy to the best in entertainment and events Be the first to book the latest show or concert and show off to your friends and of course donrsquot forget to tell them that you can only have access through lsquoAffinity Alliancersquohellip

If you would like the opportunity to advertise your restaurantcafe and can offer an exclusive deal to our members let us know We are always on the lookout for new providers and our members love it

Affinity Travel With the launch of our very own travel portal members will never be stuck for holiday ideas

A dedicated travel amp leisure portal its not just customers who take holidays through Affinity Travel the prices do to You will find massive savings on flights over 200000 hotels tours and transfers available across a wide range of worldwide travel destinations with many integration options

travelaffinityalliancecocomau

Fiona McTaggart AA Managing Director

If you would like to advertise your organisation or business with Affinity All iance to offer our members even more value for money please contact our head office on 1300 793 044 or email adminaffinityalliancecocomau for details and a copy of the AA Media Kit

wwwaffinityalliancecocomau

AFFINITY MAGAZINE

Editors Letter Well another month to cross off the calendar and we are well and truly into 2015

With so many big things on the horizon it is definitely hard to focus on any one thing and remain that way

The EMAG over the next few months will be taking on a new look and feel EMAG will even have its very own website - to be revealed very soon Still with the same great content from our dedicated providers but with some surprises added in along the way Letrsquos just say itrsquos going to be great

As we touched on in the last edition the launch of our 4 programs has been the main focus here at the AA Headquarters and we have been working hard to ensure that they go off without a hitch Just to recaphellip

Our four programs are all very different as to the kind of target market they are designed to attract They also have different levels of benefits but all equally s p e c i a l a n d e a c h c a r r y i n g particular qualities that are unique to their specific industry With all programs fully tailored to each individual organisation we are sure that we are onto something

To refresh your member the four programs are outlined below

The ldquoSupremerdquo Member Benefits P r o g r a m - d e s i g n e d f o r Associations Sporting Clubs amp Networking Groups

T h e ldquo A d m i r a l t y rdquo E m p l o y e e Rewards Program - aimed at large corporations and businesses to give Employers the edge when it comes to employee loyalty and satisfaction

The ldquoApplaudrdquo Customer Loyalty Program - for retailers and smaller businesses wanting to attract and retain their customers in todays tough economic climate

The ldquoAmbassadorrdquo Fundraising Program - Schools Charities amp Not for Profits will benefit from aligning with our Ambassador program and with our most recent alliance with Givematcher our organisations will have the opportunity to double their donations

For more information on any of our p r o g r a m s B e s u r e t o v i s i t wwwaffinityalliancecocomau or c a l l 1 3 0 0 7 9 3 0 4 4 f o r a n information pack

New Organisations A BIG WELCOME TO OUR NEWEST ORGANISATIONS

bull Corporate Connectors

bull Seniors Holiday Travel

bull Bay Audio

If you belong to one of these fantastic organisations be sure to keep on the lookout for your new Affinity members card amp kit which gives you all the access you need to a myriad of fantastic offers

New Providers

bull Training Aid Australia

bull ANYTIME FITNESS

bull OPSM

bull Lotus Living Designs

bull Exchange Travel

bull Seniors Holiday Travel

bull The Sassy Circle

bull Biizsearch

Thank you to all of our providers who have of fered fantast ic exclusive benefits for our members we could not do any of it without you

DININGWINING amp LIFESTYLE

Donrsquot forget to check out our new site with all the trimmings along w i t h t h e D i n i n g O u t amp Entertainment Guide Not only will you have exclusive access to the finest restaurants in the country with some fantastic deals for our AA members you will also be privy to the best in entertainment and events Be the first to book the latest show or concert and show off to your friends and of course donrsquot forget to tell them that you can only have access through lsquoAffinity Alliancersquohellip

If you would like the opportunity to advertise your restaurantcafe and can offer an exclusive deal to our members let us know We are always on the lookout for new providers and our members love it

Affinity Travel With the launch of our very own travel portal members will never be stuck for holiday ideas

A dedicated travel amp leisure portal its not just customers who take holidays through Affinity Travel the prices do to You will find massive savings on flights over 200000 hotels tours and transfers available across a wide range of worldwide travel destinations with many integration options

travelaffinityalliancecocomau

Fiona McTaggart AA Managing Director

If you would like to advertise your organisation or business with Affinity All iance to offer our members even more value for money please contact our head office on 1300 793 044 or email adminaffinityalliancecocomau for details and a copy of the AA Media Kit

wwwaffinityalliancecocomau

AFFINITY MAGAZINE

ASSOCIATION SPOTLIGHT

Start the conversation about your lungs How often do you think about your lungs

Every day we breathe in and out about 22000 times However most of us never stop to think about breathing - itrsquos just something we do

In fact we know that more than 50 of all Australians rarely or never think about the health of their lungs

We also know that in Australia three out of five Australian adults when asked report symptoms or risk factors that put them at risk of possible lung diseasei and at least one in ten people has a lung disease

Itrsquos time that Australians started taking the health of their lungs as seriously as they take the health of their heart breasts or prostate

The statistics highlight the huge disconnect between the significant impact of lung disease and the fact most people simply donrsquot think about the health of their lungs Research has found most Australians believe they have no lung health issues and very few actually gave their lung health much thought

Symptoms of lung disease tend to creep up slowly and people adjust their daily activities to accommodate or reduce their symptoms

So what can you do to look after your lungs Do the Lung Health Checklist

Take a couple of minutes to do the online lung health checklist at wwwlunghealthchecklistorgau These simple questions will help you to recognise symptoms of

lung disease and the need to act promptly if you have any

Make your life a no-smoke zone Avoid smoky bars and smoking areas in restaurants It doesnrsquot seem fair but second-hand smoke can damage your lungs just as much as the smoke from your own cigarette And if you are a smoker quitting is one if the best presents you can give your lungs Most people who smoke want to quit and quitting at any age has benefits Use the stairs whenever you can Elevators and escalators might make things seem easier But exercise that makes your heart beat faster like climbing stairs riding a bike or walking briskly is very important in keeping your heart and lungs in good shape

Eat healthily and maintain a healthy weight Healthy eating means choosing a variety of foods from each of the five food groups every day in suitable proportions including veggies fruit grain foods mostly wholegrain varieties such as breads cereals rice and pasta lean meats and poultry fish eggs tofu nuts and legumes and dairy products such as milk yoghurt and cheese

You can also take steps to protect your lungs by having the annual flu vaccination and by speaking to your doctor about whether you are eligible for the pneumococcal vaccine If yoursquore breathless or answered yes to any of the questions in the Lung Health Check speak with your doctor about your lung health

Start the conversation about your lungs How often do you think about your lungs

Every day we breathe in and out about 22000 times However most of us never stop to think about breathing - itrsquos just something we do

In fact we know that more than 50 of all Australians rarely or never think about the health of their lungs

We also know that in Australia three out of five Australian adults when asked report symptoms or risk factors that put them at risk of possible lung diseasei and at least one in ten people has a lung disease

Itrsquos time that Australians started taking the health of their lungs as seriously as they take the health of their heart breasts or prostate

The statistics highlight the huge disconnect between the significant impact of lung disease and the fact most people simply donrsquot think about the health of their lungs Research has found most Australians believe they have no lung health issues and very few actually gave their lung health much thought

Symptoms of lung disease tend to creep up slowly and people adjust their daily activities to accommodate or reduce their symptoms

So what can you do to look after your lungs Do the Lung Health Checklist

Take a couple of minutes to do the online lung health checklist at wwwlunghealthchecklistorgau These simple questions will help you to recognise symptoms of

lung disease and the need to act promptly if you have any

Make your life a no-smoke zone Avoid smoky bars and smoking areas in restaurants It doesnrsquot seem fair but second-hand smoke can damage your lungs just as much as the smoke from your own cigarette And if you are a smoker quitting is one if the best presents you can give your lungs Most people who smoke want to quit and quitting at any age has benefits Use the stairs whenever you can Elevators and escalators might make things seem easier But exercise that makes your heart beat faster like climbing stairs riding a bike or walking briskly is very important in keeping your heart and lungs in good shape

Eat healthily and maintain a healthy weight Healthy eating means choosing a variety of foods from each of the five food groups every day in suitable proportions including veggies fruit grain foods mostly wholegrain varieties such as breads cereals rice and pasta lean meats and poultry fish eggs tofu nuts and legumes and dairy products such as milk yoghurt and cheese

You can also take steps to protect your lungs by having the annual flu vaccination and by speaking to your doctor about whether you are eligible for the pneumococcal vaccine If yoursquore breathless or answered yes to any of the questions in the Lung Health Check speak with your doctor about your lung health

Lung Health ndash the stats Now stop and take a breath - here are a few facts that you probably werenrsquot aware of

bull Lung disease includes lung cancer asthma chronic obstructive pulmonary disease bronchiectasis cystic fibrosis chronic cough pulmonary fibrosis and many more

bull Lung disease contributes to more than 10 per cent of the overall health burden in Australia

bull Indigenous people die of lung disease at a rate three times higher than non-indigenous Australiansii

bull Mortality due to lung disease is significant with 14 or one in seven deaths in Australia in 2012 was as a result of lung diseaseii

bull Lung disease was the cause of 276505 hospitalisations in 2011-12 or 299 of all hospitalisations and more than 14 million hospital patient-days representing 507 of all patient-daysii

There are things you can do to manage your symptoms

Making healthy lungs Australiarsquos future Lung Foundation Australia is a national not-for-profit organisation working to make lung health a priority for all in Australia We raise awareness support those with lung disease and their carers and families develop clinical resources and advocate on behalf of those with lung disease

Late last year we launched a new innovative campaign aimed at getting the wider community talking about their lungs

Just One Breath challenges all of us to think about what we can do with our breath

With a focus on positive health and wellbeing the campaign aims to get Australians who have not previously thought about their lungs talking about their lung health and includes a series of short films with prominent Australians including Casey Dellacqua and Christine Anu who share their own personal stories about the power of breath in their professional lives

Why not jump online (wwwjustonebreathcomau) to see these champion stories or sign up to the Just One Breath Facebook or Instagram accounts to share the message with your friends

Phase two of the campaign will kick off later this year and will include lots of new content and fun and exciting ways to be involved

Find out more We have several other resources and information to support people living with lung disease which you can access by

bull visiting wwwlungfoundationcomau or

bull phoning our free call Information and Support Centre on 1800 654 301

How can you help us to achieve our vision to make lung health a priority for all in Australia Become a member ndash If you would like to become a Lung Foundation Australia member please contact us on 1800 654 301 or visit wwwlungfoundationcomau

As well as your membership being a valuable contribution to continuing the important work of the Lung Foundation members also enjoy the benefits of accessing the discounts deals and specials that the Affinity Alliance offers

Donate ndash You can help the Lung Foundation provide support resources to and advocacy on behalf of the millions of Australians affected by lung disease You can donate online here -wwwlungfoundationcomaudonate or phone free call 1800 654 301

Fundraise ndashIf you would like to raise funds you can set up an online fundraising page via Everyday Hero Alternatively if you would like to hold an event or offline fundraiser you can contact us on 1800 654 301 for more information and our fundraising guidelines We are so grateful for and reliant on the support of the community

SHOUT A MATE

Small business is Australiarsquos largest employer Every community relies on small business and what we need to remember is that farmers are small

business operators too

Help us help drought affected communities

Show your support amp Shout A Mate

For more information visit

wwwshoutamatecomau facebookcomshoutamate

Exclusive offer to Affinity Alliance Members Onlyhellip13What are your concerns as a small-medium business owner

Become a Foundation Member of the SBPA and Affinity Alliance will subsidise your membership fee of $55 Joining Fee of $22 applies

As a Foundation Member you will be the voice for representation in parliament for any policy changes required for Australian businesses to bull Eliminate unnecessary red tape bull Invest in a vibrant growing Australia bull Invest in our kids

To find out more go to wwwsmallbusinesspartyorgaujoin-us-

now use coupon code SBPA-AA14

wwwnextlistingcomau

Next Listing is a Listing Generation System designed to scrape Social Media platforms for Potential Vendors and Deliver them Directly to You

Social Media is no longer an option for Real Estate Agents This is where your Buyers and Sellersrsquo eyes are and you need to be there

We show you how

If you are not on Social Media right now AND doing it well you are losing business to your competitors that are doing it well

CALL 1300 669 530 or email infonextlistingcomau and we will take you to the next levelhellip

Become a September member Only 12 left at 43 discount Start getting new listings TODAY

Exclusive offer to Affinity Alliance Members Onlyhellip13What are your concerns as a small-medium business owner

Become a Foundation Member of the SBPA and Affinity Alliance will subsidise your membership fee of $55 Joining Fee of $22 applies

As a Foundation Member you will be the voice for representation in parliament for any policy changes required for Australian businesses to bull Eliminate unnecessary red tape bull Invest in a vibrant growing Australia bull Invest in our kids

To find out more go to wwwsmallbusinesspartyorgaujoin-us-

now use coupon code SBPA-AA14

wwwnextlistingcomau

Next Listing is a Listing Generation System designed to scrape Social Media platforms for Potential Vendors and Deliver them Directly to You

Social Media is no longer an option for Real Estate Agents This is where your Buyers and Sellersrsquo eyes are and you need to be there

We show you how

If you are not on Social Media right now AND doing it well you are losing business to your competitors that are doing it well

CALL 1300 669 530 or email infonextlistingcomau and we will take you to the next levelhellip

Become a September member Only 12 left at 43 discount Start getting new listings TODAY

wwwnextlistingcomau

Next Listing is a Listing Generation System designed to scrape Social Media platforms for Potential Vendors and Deliver them Directly to You

Social Media is no longer an option for Real Estate Agents This is where your Buyers and Sellersrsquo eyes are and you need to be there

We show you how

If you are not on Social Media right now AND doing it well you are losing business to your competitors that are doing it well

CALL 1300 669 530 or email infonextlistingcomau and we will take you to the next levelhellip

Become a September member Only 12 left at 43 discount Start getting new listings TODAY

AFFINITY MAGAZINE

Business owners around the country will identify with a common saying ndash ldquoyou spend more time working IN your business rather than ON itrdquo

We all start businesses with long term success being the goal but unfortunately most of us lack the all-round capability to do ldquoeverythingrdquo Many bosses grow their businesses by being ldquoreactiverdquo and getting a range of costly professionals on board as they go along ndash accountant solicitor insurance web design WHS checks - the list gets bigger every year

If the business has a high enough turnover it can eventually bring in a General Manager CFO or even CEO to run the ship if not they may bring in someone like a business coach to give them guidance on how to build their business in specific areas And whilst most are fine professionals who can provide such guidance they still cannot cover ldquoeverythingrdquo and need to refer in other professionals to fill the gaps increasing costs

What is a General Manager Traditionally a General Managerrsquos role in a business environment has been to ensure that the business

bull Has a strategy developed in conjunction with the business owners to compete and grow commercially in its particular market

bull Implement those strategies with ongoing financial and other reporting to the business owners

bull Sounds simple doesnrsquot it In reality a General Managerrsquos job description really entails being across all aspects of the business that make it viable-including

bull Marketing bull WebITSEO bull Legal Compliance bull WHS bull HR and Staffing bull Vehicles

bull Accounting bull Cost reduction bull Customer Management bull NetworkingPromotion bull Insurances bull Financing bull CompetitorMarket Analysis bull AllianceJoint Venture Development

The cost of hiring a great GM who is an expert across all these important areas is prohibitive for many businesses and therefore those critical tasks often fall to the business ownersrsquo themselves-sound familiar

This leads to inefficiencies and slower growth as time taken to address these issues detracts from the core objective of the business - building the worldrsquos best widgets software service - whatever it may be

There had to be a better way - which is exactly why we built YourGM-bringing all of those skills together under one roof to provide a centralized General Manager resource to growing businesses at an affordable cost

By working in partnership with businesses we bring all of those skills to help achieve our clientsrsquo business objectives - at a fraction of the cost of employing even one new member of admin staff - let alone a GM

YourGM is an exciting new model going that one step further by being proactive and improving the concepts of business coaching and temporary CFOs It bridges that gap between using a business coach and actually bringing a new GM on-board The cost is minimal in return for the benefits and wealth of knowledge and experience available The return on investment however is huge There are no lock-in contracts - YourGM works with you for as long as you need it either a short term project or a long term solution the choice is entirely yours

YOUR GM Building Better Businesses

by Rick Nash - CEO - Your GM

YourGM brings together a group of dynamic professionals who will work as a team for your business As a YourGM client you have access to all of these professionals via one dedicated consultant Covering 20 Management Areas we provide support and advice on - marketing webIT legalcompliance WHS HR staffingrecruitment vehicles accounting cost reduction insurance finance and alliance building-just to name a few

How We Work Firstly we have a no obligation discussion about your business and your ambitions for it They may be simple such as freeing up time from non-revenue producing tasks through to Global domination of your particular space Further to that discussion - if we feel that YourGM can add significant value to your business in helping achieve those objectives (and you are passionate about your business) ndash we will undertake a full review of your business across all relevant issues - marketing IT Customerclient management OHS HR vehicle management financials business planning your goals and objectives and so on

Once that review is complete we will sit down again and discuss the results of that review and prioritize in conjunction with you the areas to work on in order to achieve your stated goals YourGM will work alongside you over whatever period is needed to bring about the outcomes you are looking for

YourGM will take care of managing a significant proportion of the operational issuesrelationships that every business has as well as working on growing the business with you - thatrsquos the exciting part YourGM works on a lsquofee for servicersquo payable monthly in advance That fee will be determined in consultation with each client We do not lsquolock inrsquo clients to long term service agreements - we only want to work with businesses that value our services at any given point

The benefits of bringing in YourGM

bull Cost effective solution ndash bringing in YourGM will cost you a fraction of the salary of a full time admin staff member

bull Range of experience ndash our team covers 20 Management Areas that encompass all the crucial areas of business strategy We have over a century of management yearsrsquo experience between us

bull One contact ndash YourGM will assign you your own personal consultant You only need to deal with one person They will brief you as often as you want and can even spend time on your site or attend meetings Your consultant will work with you to build your business

bull We have a huge network of contacts across Australia ndash if you wish to develop relationships build a national brand (or even go international) we can direct you to where you want to go and find you those relationships No networking and cold calls for you

bull We have a ldquocan dordquo attitude and think outside the square ndash we keep things simple for you

bull We guarantee a return on your investment and do not pressure you to take us on or lock you into a contract you do not need We only have clients who want to take action and work with us

For any further information on YourGM what we do and how to contact us please visit our website at wwwyourgmcomau or contact us at enquiriesyourgmcomau

YourGM is the new better way to build your business-guaranteed

Business owners around the country will identify with a common saying ndash ldquoyou spend more time working IN your business rather than ON itrdquo

We all start businesses with long term success being the goal but unfortunately most of us lack the all-round capability to do ldquoeverythingrdquo Many bosses grow their businesses by being ldquoreactiverdquo and getting a range of costly professionals on board as they go along ndash accountant solicitor insurance web design WHS checks - the list gets bigger every year

If the business has a high enough turnover it can eventually bring in a General Manager CFO or even CEO to run the ship if not they may bring in someone like a business coach to give them guidance on how to build their business in specific areas And whilst most are fine professionals who can provide such guidance they still cannot cover ldquoeverythingrdquo and need to refer in other professionals to fill the gaps increasing costs

What is a General Manager Traditionally a General Managerrsquos role in a business environment has been to ensure that the business

bull Has a strategy developed in conjunction with the business owners to compete and grow commercially in its particular market

bull Implement those strategies with ongoing financial and other reporting to the business owners

bull Sounds simple doesnrsquot it In reality a General Managerrsquos job description really entails being across all aspects of the business that make it viable-including

bull Marketing bull WebITSEO bull Legal Compliance bull WHS bull HR and Staffing bull Vehicles

bull Accounting bull Cost reduction bull Customer Management bull NetworkingPromotion bull Insurances bull Financing bull CompetitorMarket Analysis bull AllianceJoint Venture Development

The cost of hiring a great GM who is an expert across all these important areas is prohibitive for many businesses and therefore those critical tasks often fall to the business ownersrsquo themselves-sound familiar

This leads to inefficiencies and slower growth as time taken to address these issues detracts from the core objective of the business - building the worldrsquos best widgets software service - whatever it may be

There had to be a better way - which is exactly why we built YourGM-bringing all of those skills together under one roof to provide a centralized General Manager resource to growing businesses at an affordable cost

By working in partnership with businesses we bring all of those skills to help achieve our clientsrsquo business objectives - at a fraction of the cost of employing even one new member of admin staff - let alone a GM

YourGM is an exciting new model going that one step further by being proactive and improving the concepts of business coaching and temporary CFOs It bridges that gap between using a business coach and actually bringing a new GM on-board The cost is minimal in return for the benefits and wealth of knowledge and experience available The return on investment however is huge There are no lock-in contracts - YourGM works with you for as long as you need it either a short term project or a long term solution the choice is entirely yours

YOUR GM Building Better Businesses

by Rick Nash - CEO - Your GM

YourGM brings together a group of dynamic professionals who will work as a team for your business As a YourGM client you have access to all of these professionals via one dedicated consultant Covering 20 Management Areas we provide support and advice on - marketing webIT legalcompliance WHS HR staffingrecruitment vehicles accounting cost reduction insurance finance and alliance building-just to name a few

How We Work Firstly we have a no obligation discussion about your business and your ambitions for it They may be simple such as freeing up time from non-revenue producing tasks through to Global domination of your particular space Further to that discussion - if we feel that YourGM can add significant value to your business in helping achieve those objectives (and you are passionate about your business) ndash we will undertake a full review of your business across all relevant issues - marketing IT Customerclient management OHS HR vehicle management financials business planning your goals and objectives and so on

Once that review is complete we will sit down again and discuss the results of that review and prioritize in conjunction with you the areas to work on in order to achieve your stated goals YourGM will work alongside you over whatever period is needed to bring about the outcomes you are looking for

YourGM will take care of managing a significant proportion of the operational issuesrelationships that every business has as well as working on growing the business with you - thatrsquos the exciting part YourGM works on a lsquofee for servicersquo payable monthly in advance That fee will be determined in consultation with each client We do not lsquolock inrsquo clients to long term service agreements - we only want to work with businesses that value our services at any given point

The benefits of bringing in YourGM

bull Cost effective solution ndash bringing in YourGM will cost you a fraction of the salary of a full time admin staff member

bull Range of experience ndash our team covers 20 Management Areas that encompass all the crucial areas of business strategy We have over a century of management yearsrsquo experience between us

bull One contact ndash YourGM will assign you your own personal consultant You only need to deal with one person They will brief you as often as you want and can even spend time on your site or attend meetings Your consultant will work with you to build your business

bull We have a huge network of contacts across Australia ndash if you wish to develop relationships build a national brand (or even go international) we can direct you to where you want to go and find you those relationships No networking and cold calls for you

bull We have a ldquocan dordquo attitude and think outside the square ndash we keep things simple for you

bull We guarantee a return on your investment and do not pressure you to take us on or lock you into a contract you do not need We only have clients who want to take action and work with us

For any further information on YourGM what we do and how to contact us please visit our website at wwwyourgmcomau or contact us at enquiriesyourgmcomau

YourGM is the new better way to build your business-guaranteed

YourGM brings together a group of dynamic professionals who will work as a team for your business As a YourGM client you have access to all of these professionals via one dedicated consultant Covering 20 Management Areas we provide support and advice on - marketing webIT legalcompliance WHS HR staffingrecruitment vehicles accounting cost reduction insurance finance and alliance building-just to name a few

How We Work Firstly we have a no obligation discussion about your business and your ambitions for it They may be simple such as freeing up time from non-revenue producing tasks through to Global domination of your particular space Further to that discussion - if we feel that YourGM can add significant value to your business in helping achieve those objectives (and you are passionate about your business) ndash we will undertake a full review of your business across all relevant issues - marketing IT Customerclient management OHS HR vehicle management financials business planning your goals and objectives and so on

Once that review is complete we will sit down again and discuss the results of that review and prioritize in conjunction with you the areas to work on in order to achieve your stated goals YourGM will work alongside you over whatever period is needed to bring about the outcomes you are looking for

YourGM will take care of managing a significant proportion of the operational issuesrelationships that every business has as well as working on growing the business with you - thatrsquos the exciting part YourGM works on a lsquofee for servicersquo payable monthly in advance That fee will be determined in consultation with each client We do not lsquolock inrsquo clients to long term service agreements - we only want to work with businesses that value our services at any given point

The benefits of bringing in YourGM

bull Cost effective solution ndash bringing in YourGM will cost you a fraction of the salary of a full time admin staff member

bull Range of experience ndash our team covers 20 Management Areas that encompass all the crucial areas of business strategy We have over a century of management yearsrsquo experience between us

bull One contact ndash YourGM will assign you your own personal consultant You only need to deal with one person They will brief you as often as you want and can even spend time on your site or attend meetings Your consultant will work with you to build your business

bull We have a huge network of contacts across Australia ndash if you wish to develop relationships build a national brand (or even go international) we can direct you to where you want to go and find you those relationships No networking and cold calls for you

bull We have a ldquocan dordquo attitude and think outside the square ndash we keep things simple for you

bull We guarantee a return on your investment and do not pressure you to take us on or lock you into a contract you do not need We only have clients who want to take action and work with us

For any further information on YourGM what we do and how to contact us please visit our website at wwwyourgmcomau or contact us at enquiriesyourgmcomau

YourGM is the new better way to build your business-guaranteed

One relationship -shy all the

EXPERTISE

3

All under one roof -‐ you have one dedicated

consultant working with you addressing

hotspots forming alliances and giving you

time to focus on more important things

2Cost effective -‐ The cost of using YourGM is

a quarter the cost of bringing in a new staff

member -‐ let alone a General Manager

1Range of experience ndash our team covers 20

Management Areas that encompass all of the

crucial areas of business strategy planning

and develeopment

WHY YourGM

YourGM takes the load off time poor business owners who

donrsquot have the time to do ldquoeverythingrdquo or the resources on

hand to recruit a full time general manager

We provide assistance in areas such as -‐ insurance finance

WHS HR accountancy car leasing web amp IT alliance and

JV building marketing and business planning to name a few

all in one centralised service

MORE THAN JUST COACHING

email enquiriesyourgmcomau web wwwyourgmcomau phone 1300 799 946

How about from a QUARTER of the cost of

one full time employee

Like 12 Management and Business Growth Experts

CALL US 1300 799 946

enquiriescorporateconnectorscomau wwwcorporateconnectorscomau

NETWORKING amp BUSINESS DEVELOPMENT WITH A BIG DIFFERENCE

AFFINITY MAGAZINE

Affinity Webinar Presentation Exclusive Training Event for Affinity Members - Register Now to avoid disappointment

MEMBER ENGAGEMENT

I was born in London but moved with my parents to New York where I grew up went to high school started work at IBM and got drafted into the US Army (a career halter that one)

When in high school I had an after hours job at a supermarket in my home town Mount K i sco in Westchester County

I started in that job as a packer ndash groceries were put into a bin placed on a conveyor belt and pushed through to me Customers would drive up present me with their ticket(s) and I would load their groceries into their car boot (or lsquotrunkrsquo as I called it then)

My little brain worked out pretty quickly that if you smiled and were friendly and loaded the shopping bags carefully you got a tip everything from 25 cents to $1

By the way Betty White and her late husband Alan Ludden used to shop at my supermarket every Friday night They drove up in their l ime green Cadillac and Alan Ludden would get out of the car to help but I also assured him that I was happy to load all the groceries in the car for him He appreciated that (they all did) and Allen Ludden was a buck ($1) tipper I also loved when Betty White would be sitting in the front seat give me a dazzling smile (it has not changed even today) and a wave She did this every time they turned up They were a lovely couple she smiled and waved he was a buck tipper

A f t e r a w h i l e m a n a g e m e n t decided I would be excellent as a cashier No one tipped cashiers My fee l ings as expres sed to management No I would not be a good cashier Management won

Now a cashier would total up the amounts and load the bags into the trolley or into the bin and onto the conveyor That was pretty much it No warmthno sense of service

Not me

I was friendly to every customer I talked to them about their kids their holidays (vacations) anything they liked I gave them double bags yep one (paper) bag inside another packed the bottom layer with cans or drinks and lighter materials on the top Cold and frozen items always went into a doub le bag Management discouraged double bagging because you used well twice as many bags Didnrsquot bother me if they had heavy items they got one or more double bags in order to e a s e t h e i r l o a d w h e n t h e y unpacked their car at home That really impressed a lot of mums on their own who had to unpack at the other end Some Thursday or Friday afternoonsevenings I would have a line of people waiting for me to serve them they preferred to wait rather than be served by my fellow employees who did not understand the concept of service (hey we were all young and probably our hormones were pointing in other directions but my

thoughts were ndash when you are at ork work)

Is your member service to a lsquodouble bagrsquo standard

What is the foundation of every member service or member loyalty program What is it that will induce your members to become your advocates What really wins lsquomembers for lifersquo

The answer although obvious is often overlooked in our high tech world The answer is ndash YOUR PEOPLE

Your people are your greatest resources for achieving member delight member retention member advocacy and long term member satisfaction Conversely your people can be the major causes of relationship breakdowns non-renewals disharmony and lack of trust on the part of members (current and ex)

Letrsquos look at how you can create Excellent member service

Read analyse and respond to surveys ndash from other internal team members as well as your own people Donrsquot be afraid to make the difficult decisions including taking a cold hard look at your management style and that of other team leaderssupervisors within your member services centre

Communicate to your people that your organisation is the paymaster ndash the member actually pays their salary (thanks to Henry Ford for this little gem)

AFFINITY MAGAZINE

Membership Service Excellence Are your Member Services Team ldquoDouble Baggersrdquo

by Kevin Cahalane - Membership Growth

People who know what they are doing why their job is important and where they are heading (team wise and career wise) are usually a lot m o r e s w i t c h e d o n a n d s e l f mot ivated than peop le who c o n s i d e r t h e m s e l v e s t o b e lsquomushroomsrsquo The answer is f e e d b a c k a n d i t i s e v e r y e m p l o y e e s rsquo r i g h t i n e v e r y organisation to be given feedback

Constant positive reinforcement allows people to re-focus their attitudes in a more dynamic way to change their behaviour to a more desirable style and to become a more productive team member Reinforcement of desired behaviour (and striving to change undesirable behaviour) is one of the best ways to promote better member service It is also one of the least used management tools

People need to understand and accept that there is no difference between internal and external service Everyone in an organisation is serving someone else If they are not what exactly are they doing there

Little things count Volunteering time to help an overworked colleague answering anotherrsquos telephone arriving at work a little earlier staying a little later Reward these little things and they will become habits Your members will benefit from these habits as well

Is the term lsquoownershiprsquo a reality in your organisation or just another buzz word Can your people solve problems and make on-the-spot decisions relating to a memberrsquos needs Are they encouraged to take the initiative when dealing with other departments Or is your organisation totally rigid inflexible and a slave to paperwork and forms

Is teamwork and team building e n c o u r a g e d w i t h i n y o u r

o rgan i sat ion or do you p lay departmental mind games Is support and recognition the norm or is rudeness and isolation more in vogue within departments Is there a company wide information flow or inter-departmental blocks

Finally every internal survey I have ever observed has (a) lack of l e a d e r s h i p a n d ( b ) l a c k o f communication very high up on the negative side of the list while lsquoIrsquom currently doing a wonderful jobrsquo is usually very high on the positive side Somewhere there is a balance but the reality is most people think they are doing OK from a service perspective managers included Sorry thatrsquos not good enough

Your service to your members is not great because you think it is it is great because your members say it is

If people in organisations large and s m a l l w e r e m o r e t o l e r a n t understanding friendly supportive a p p r e c i a t i v e r e s p e c t f u l encouraging and co-operative there would be a lot more positive (and rewarding) focus on the needs of members

I f t ra in ing and deve lopment programs were to reflect the above issues it would lead to record results in ter ms of product iv i ty and response to the needs of your members

If managers made the above issues part of their organisationrsquos culture and if they worked together to make their departments more open and their people were encouraged to communicate freely just imagine all the benefits this will bring

One final thing encourage an atmosphere of fun It works

ldquoA good leader inspires their people to have confidence in himher A great leader inspires people to have confidence in themselvesrdquo

Contact Kevin Cahalane today for a frank discussion on your membership growth needs in key areas such as membership sales training team bu i ld ing member service excellence training telemarketing training and coach ing you r team to s u c c e s s kevinmembershipgrowthcom a u o r 0 3 5 9 7 6 8 9 6 6 (Australia)

AFFINITY MAGAZINE

20off MEMBERS

spend over $200 wwwlotuslivingdesignscomau

Grand Opening 12 MARCH 2015

10am-7pm 805 The Entrance Rd Wamberal

wwwlotuslivingdesignscomau

DISCOVER SOME OF THE FUN STUFF

Great discounts on holidays flights accommodation amp car hireSave up to 70 on your travel needs with your very own concierge

Theme Parks Adventure Experiences Adrenalin SportsSave up to 25 on various FUN activities through Affinity Alliance

Love Dining Out Choose from a wide range of participating restaurants and saveFrom 10-50 off at participating restaurants across Oz

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

enquiriescorporateconnectorscomau wwwcorporateconnectorscomau

NETWORKING amp BUSINESS DEVELOPMENT WITH A BIG DIFFERENCE

AFFINITY MAGAZINE

Affinity Webinar Presentation Exclusive Training Event for Affinity Members - Register Now to avoid disappointment

MEMBER ENGAGEMENT

I was born in London but moved with my parents to New York where I grew up went to high school started work at IBM and got drafted into the US Army (a career halter that one)

When in high school I had an after hours job at a supermarket in my home town Mount K i sco in Westchester County

I started in that job as a packer ndash groceries were put into a bin placed on a conveyor belt and pushed through to me Customers would drive up present me with their ticket(s) and I would load their groceries into their car boot (or lsquotrunkrsquo as I called it then)

My little brain worked out pretty quickly that if you smiled and were friendly and loaded the shopping bags carefully you got a tip everything from 25 cents to $1

By the way Betty White and her late husband Alan Ludden used to shop at my supermarket every Friday night They drove up in their l ime green Cadillac and Alan Ludden would get out of the car to help but I also assured him that I was happy to load all the groceries in the car for him He appreciated that (they all did) and Allen Ludden was a buck ($1) tipper I also loved when Betty White would be sitting in the front seat give me a dazzling smile (it has not changed even today) and a wave She did this every time they turned up They were a lovely couple she smiled and waved he was a buck tipper

A f t e r a w h i l e m a n a g e m e n t decided I would be excellent as a cashier No one tipped cashiers My fee l ings as expres sed to management No I would not be a good cashier Management won

Now a cashier would total up the amounts and load the bags into the trolley or into the bin and onto the conveyor That was pretty much it No warmthno sense of service

Not me

I was friendly to every customer I talked to them about their kids their holidays (vacations) anything they liked I gave them double bags yep one (paper) bag inside another packed the bottom layer with cans or drinks and lighter materials on the top Cold and frozen items always went into a doub le bag Management discouraged double bagging because you used well twice as many bags Didnrsquot bother me if they had heavy items they got one or more double bags in order to e a s e t h e i r l o a d w h e n t h e y unpacked their car at home That really impressed a lot of mums on their own who had to unpack at the other end Some Thursday or Friday afternoonsevenings I would have a line of people waiting for me to serve them they preferred to wait rather than be served by my fellow employees who did not understand the concept of service (hey we were all young and probably our hormones were pointing in other directions but my

thoughts were ndash when you are at ork work)

Is your member service to a lsquodouble bagrsquo standard

What is the foundation of every member service or member loyalty program What is it that will induce your members to become your advocates What really wins lsquomembers for lifersquo

The answer although obvious is often overlooked in our high tech world The answer is ndash YOUR PEOPLE

Your people are your greatest resources for achieving member delight member retention member advocacy and long term member satisfaction Conversely your people can be the major causes of relationship breakdowns non-renewals disharmony and lack of trust on the part of members (current and ex)

Letrsquos look at how you can create Excellent member service

Read analyse and respond to surveys ndash from other internal team members as well as your own people Donrsquot be afraid to make the difficult decisions including taking a cold hard look at your management style and that of other team leaderssupervisors within your member services centre

Communicate to your people that your organisation is the paymaster ndash the member actually pays their salary (thanks to Henry Ford for this little gem)

AFFINITY MAGAZINE

Membership Service Excellence Are your Member Services Team ldquoDouble Baggersrdquo

by Kevin Cahalane - Membership Growth

People who know what they are doing why their job is important and where they are heading (team wise and career wise) are usually a lot m o r e s w i t c h e d o n a n d s e l f mot ivated than peop le who c o n s i d e r t h e m s e l v e s t o b e lsquomushroomsrsquo The answer is f e e d b a c k a n d i t i s e v e r y e m p l o y e e s rsquo r i g h t i n e v e r y organisation to be given feedback

Constant positive reinforcement allows people to re-focus their attitudes in a more dynamic way to change their behaviour to a more desirable style and to become a more productive team member Reinforcement of desired behaviour (and striving to change undesirable behaviour) is one of the best ways to promote better member service It is also one of the least used management tools

People need to understand and accept that there is no difference between internal and external service Everyone in an organisation is serving someone else If they are not what exactly are they doing there

Little things count Volunteering time to help an overworked colleague answering anotherrsquos telephone arriving at work a little earlier staying a little later Reward these little things and they will become habits Your members will benefit from these habits as well

Is the term lsquoownershiprsquo a reality in your organisation or just another buzz word Can your people solve problems and make on-the-spot decisions relating to a memberrsquos needs Are they encouraged to take the initiative when dealing with other departments Or is your organisation totally rigid inflexible and a slave to paperwork and forms

Is teamwork and team building e n c o u r a g e d w i t h i n y o u r

o rgan i sat ion or do you p lay departmental mind games Is support and recognition the norm or is rudeness and isolation more in vogue within departments Is there a company wide information flow or inter-departmental blocks

Finally every internal survey I have ever observed has (a) lack of l e a d e r s h i p a n d ( b ) l a c k o f communication very high up on the negative side of the list while lsquoIrsquom currently doing a wonderful jobrsquo is usually very high on the positive side Somewhere there is a balance but the reality is most people think they are doing OK from a service perspective managers included Sorry thatrsquos not good enough

Your service to your members is not great because you think it is it is great because your members say it is

If people in organisations large and s m a l l w e r e m o r e t o l e r a n t understanding friendly supportive a p p r e c i a t i v e r e s p e c t f u l encouraging and co-operative there would be a lot more positive (and rewarding) focus on the needs of members

I f t ra in ing and deve lopment programs were to reflect the above issues it would lead to record results in ter ms of product iv i ty and response to the needs of your members

If managers made the above issues part of their organisationrsquos culture and if they worked together to make their departments more open and their people were encouraged to communicate freely just imagine all the benefits this will bring

One final thing encourage an atmosphere of fun It works

ldquoA good leader inspires their people to have confidence in himher A great leader inspires people to have confidence in themselvesrdquo

Contact Kevin Cahalane today for a frank discussion on your membership growth needs in key areas such as membership sales training team bu i ld ing member service excellence training telemarketing training and coach ing you r team to s u c c e s s kevinmembershipgrowthcom a u o r 0 3 5 9 7 6 8 9 6 6 (Australia)

AFFINITY MAGAZINE

20off MEMBERS

spend over $200 wwwlotuslivingdesignscomau

Grand Opening 12 MARCH 2015

10am-7pm 805 The Entrance Rd Wamberal

wwwlotuslivingdesignscomau

DISCOVER SOME OF THE FUN STUFF

Great discounts on holidays flights accommodation amp car hireSave up to 70 on your travel needs with your very own concierge

Theme Parks Adventure Experiences Adrenalin SportsSave up to 25 on various FUN activities through Affinity Alliance

Love Dining Out Choose from a wide range of participating restaurants and saveFrom 10-50 off at participating restaurants across Oz

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

AFFINITY MAGAZINE

Affinity Webinar Presentation Exclusive Training Event for Affinity Members - Register Now to avoid disappointment

MEMBER ENGAGEMENT

I was born in London but moved with my parents to New York where I grew up went to high school started work at IBM and got drafted into the US Army (a career halter that one)

When in high school I had an after hours job at a supermarket in my home town Mount K i sco in Westchester County

I started in that job as a packer ndash groceries were put into a bin placed on a conveyor belt and pushed through to me Customers would drive up present me with their ticket(s) and I would load their groceries into their car boot (or lsquotrunkrsquo as I called it then)

My little brain worked out pretty quickly that if you smiled and were friendly and loaded the shopping bags carefully you got a tip everything from 25 cents to $1

By the way Betty White and her late husband Alan Ludden used to shop at my supermarket every Friday night They drove up in their l ime green Cadillac and Alan Ludden would get out of the car to help but I also assured him that I was happy to load all the groceries in the car for him He appreciated that (they all did) and Allen Ludden was a buck ($1) tipper I also loved when Betty White would be sitting in the front seat give me a dazzling smile (it has not changed even today) and a wave She did this every time they turned up They were a lovely couple she smiled and waved he was a buck tipper

A f t e r a w h i l e m a n a g e m e n t decided I would be excellent as a cashier No one tipped cashiers My fee l ings as expres sed to management No I would not be a good cashier Management won

Now a cashier would total up the amounts and load the bags into the trolley or into the bin and onto the conveyor That was pretty much it No warmthno sense of service

Not me

I was friendly to every customer I talked to them about their kids their holidays (vacations) anything they liked I gave them double bags yep one (paper) bag inside another packed the bottom layer with cans or drinks and lighter materials on the top Cold and frozen items always went into a doub le bag Management discouraged double bagging because you used well twice as many bags Didnrsquot bother me if they had heavy items they got one or more double bags in order to e a s e t h e i r l o a d w h e n t h e y unpacked their car at home That really impressed a lot of mums on their own who had to unpack at the other end Some Thursday or Friday afternoonsevenings I would have a line of people waiting for me to serve them they preferred to wait rather than be served by my fellow employees who did not understand the concept of service (hey we were all young and probably our hormones were pointing in other directions but my

thoughts were ndash when you are at ork work)

Is your member service to a lsquodouble bagrsquo standard

What is the foundation of every member service or member loyalty program What is it that will induce your members to become your advocates What really wins lsquomembers for lifersquo

The answer although obvious is often overlooked in our high tech world The answer is ndash YOUR PEOPLE

Your people are your greatest resources for achieving member delight member retention member advocacy and long term member satisfaction Conversely your people can be the major causes of relationship breakdowns non-renewals disharmony and lack of trust on the part of members (current and ex)

Letrsquos look at how you can create Excellent member service

Read analyse and respond to surveys ndash from other internal team members as well as your own people Donrsquot be afraid to make the difficult decisions including taking a cold hard look at your management style and that of other team leaderssupervisors within your member services centre

Communicate to your people that your organisation is the paymaster ndash the member actually pays their salary (thanks to Henry Ford for this little gem)

AFFINITY MAGAZINE

Membership Service Excellence Are your Member Services Team ldquoDouble Baggersrdquo

by Kevin Cahalane - Membership Growth

People who know what they are doing why their job is important and where they are heading (team wise and career wise) are usually a lot m o r e s w i t c h e d o n a n d s e l f mot ivated than peop le who c o n s i d e r t h e m s e l v e s t o b e lsquomushroomsrsquo The answer is f e e d b a c k a n d i t i s e v e r y e m p l o y e e s rsquo r i g h t i n e v e r y organisation to be given feedback

Constant positive reinforcement allows people to re-focus their attitudes in a more dynamic way to change their behaviour to a more desirable style and to become a more productive team member Reinforcement of desired behaviour (and striving to change undesirable behaviour) is one of the best ways to promote better member service It is also one of the least used management tools

People need to understand and accept that there is no difference between internal and external service Everyone in an organisation is serving someone else If they are not what exactly are they doing there

Little things count Volunteering time to help an overworked colleague answering anotherrsquos telephone arriving at work a little earlier staying a little later Reward these little things and they will become habits Your members will benefit from these habits as well

Is the term lsquoownershiprsquo a reality in your organisation or just another buzz word Can your people solve problems and make on-the-spot decisions relating to a memberrsquos needs Are they encouraged to take the initiative when dealing with other departments Or is your organisation totally rigid inflexible and a slave to paperwork and forms

Is teamwork and team building e n c o u r a g e d w i t h i n y o u r

o rgan i sat ion or do you p lay departmental mind games Is support and recognition the norm or is rudeness and isolation more in vogue within departments Is there a company wide information flow or inter-departmental blocks

Finally every internal survey I have ever observed has (a) lack of l e a d e r s h i p a n d ( b ) l a c k o f communication very high up on the negative side of the list while lsquoIrsquom currently doing a wonderful jobrsquo is usually very high on the positive side Somewhere there is a balance but the reality is most people think they are doing OK from a service perspective managers included Sorry thatrsquos not good enough

Your service to your members is not great because you think it is it is great because your members say it is

If people in organisations large and s m a l l w e r e m o r e t o l e r a n t understanding friendly supportive a p p r e c i a t i v e r e s p e c t f u l encouraging and co-operative there would be a lot more positive (and rewarding) focus on the needs of members

I f t ra in ing and deve lopment programs were to reflect the above issues it would lead to record results in ter ms of product iv i ty and response to the needs of your members

If managers made the above issues part of their organisationrsquos culture and if they worked together to make their departments more open and their people were encouraged to communicate freely just imagine all the benefits this will bring

One final thing encourage an atmosphere of fun It works

ldquoA good leader inspires their people to have confidence in himher A great leader inspires people to have confidence in themselvesrdquo

Contact Kevin Cahalane today for a frank discussion on your membership growth needs in key areas such as membership sales training team bu i ld ing member service excellence training telemarketing training and coach ing you r team to s u c c e s s kevinmembershipgrowthcom a u o r 0 3 5 9 7 6 8 9 6 6 (Australia)

AFFINITY MAGAZINE

20off MEMBERS

spend over $200 wwwlotuslivingdesignscomau

Grand Opening 12 MARCH 2015

10am-7pm 805 The Entrance Rd Wamberal

wwwlotuslivingdesignscomau

DISCOVER SOME OF THE FUN STUFF

Great discounts on holidays flights accommodation amp car hireSave up to 70 on your travel needs with your very own concierge

Theme Parks Adventure Experiences Adrenalin SportsSave up to 25 on various FUN activities through Affinity Alliance

Love Dining Out Choose from a wide range of participating restaurants and saveFrom 10-50 off at participating restaurants across Oz

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

Affinity Webinar Presentation Exclusive Training Event for Affinity Members - Register Now to avoid disappointment

MEMBER ENGAGEMENT

I was born in London but moved with my parents to New York where I grew up went to high school started work at IBM and got drafted into the US Army (a career halter that one)

When in high school I had an after hours job at a supermarket in my home town Mount K i sco in Westchester County

I started in that job as a packer ndash groceries were put into a bin placed on a conveyor belt and pushed through to me Customers would drive up present me with their ticket(s) and I would load their groceries into their car boot (or lsquotrunkrsquo as I called it then)

My little brain worked out pretty quickly that if you smiled and were friendly and loaded the shopping bags carefully you got a tip everything from 25 cents to $1

By the way Betty White and her late husband Alan Ludden used to shop at my supermarket every Friday night They drove up in their l ime green Cadillac and Alan Ludden would get out of the car to help but I also assured him that I was happy to load all the groceries in the car for him He appreciated that (they all did) and Allen Ludden was a buck ($1) tipper I also loved when Betty White would be sitting in the front seat give me a dazzling smile (it has not changed even today) and a wave She did this every time they turned up They were a lovely couple she smiled and waved he was a buck tipper

A f t e r a w h i l e m a n a g e m e n t decided I would be excellent as a cashier No one tipped cashiers My fee l ings as expres sed to management No I would not be a good cashier Management won

Now a cashier would total up the amounts and load the bags into the trolley or into the bin and onto the conveyor That was pretty much it No warmthno sense of service

Not me

I was friendly to every customer I talked to them about their kids their holidays (vacations) anything they liked I gave them double bags yep one (paper) bag inside another packed the bottom layer with cans or drinks and lighter materials on the top Cold and frozen items always went into a doub le bag Management discouraged double bagging because you used well twice as many bags Didnrsquot bother me if they had heavy items they got one or more double bags in order to e a s e t h e i r l o a d w h e n t h e y unpacked their car at home That really impressed a lot of mums on their own who had to unpack at the other end Some Thursday or Friday afternoonsevenings I would have a line of people waiting for me to serve them they preferred to wait rather than be served by my fellow employees who did not understand the concept of service (hey we were all young and probably our hormones were pointing in other directions but my

thoughts were ndash when you are at ork work)

Is your member service to a lsquodouble bagrsquo standard

What is the foundation of every member service or member loyalty program What is it that will induce your members to become your advocates What really wins lsquomembers for lifersquo

The answer although obvious is often overlooked in our high tech world The answer is ndash YOUR PEOPLE

Your people are your greatest resources for achieving member delight member retention member advocacy and long term member satisfaction Conversely your people can be the major causes of relationship breakdowns non-renewals disharmony and lack of trust on the part of members (current and ex)

Letrsquos look at how you can create Excellent member service

Read analyse and respond to surveys ndash from other internal team members as well as your own people Donrsquot be afraid to make the difficult decisions including taking a cold hard look at your management style and that of other team leaderssupervisors within your member services centre

Communicate to your people that your organisation is the paymaster ndash the member actually pays their salary (thanks to Henry Ford for this little gem)

AFFINITY MAGAZINE

Membership Service Excellence Are your Member Services Team ldquoDouble Baggersrdquo

by Kevin Cahalane - Membership Growth

People who know what they are doing why their job is important and where they are heading (team wise and career wise) are usually a lot m o r e s w i t c h e d o n a n d s e l f mot ivated than peop le who c o n s i d e r t h e m s e l v e s t o b e lsquomushroomsrsquo The answer is f e e d b a c k a n d i t i s e v e r y e m p l o y e e s rsquo r i g h t i n e v e r y organisation to be given feedback

Constant positive reinforcement allows people to re-focus their attitudes in a more dynamic way to change their behaviour to a more desirable style and to become a more productive team member Reinforcement of desired behaviour (and striving to change undesirable behaviour) is one of the best ways to promote better member service It is also one of the least used management tools

People need to understand and accept that there is no difference between internal and external service Everyone in an organisation is serving someone else If they are not what exactly are they doing there

Little things count Volunteering time to help an overworked colleague answering anotherrsquos telephone arriving at work a little earlier staying a little later Reward these little things and they will become habits Your members will benefit from these habits as well

Is the term lsquoownershiprsquo a reality in your organisation or just another buzz word Can your people solve problems and make on-the-spot decisions relating to a memberrsquos needs Are they encouraged to take the initiative when dealing with other departments Or is your organisation totally rigid inflexible and a slave to paperwork and forms

Is teamwork and team building e n c o u r a g e d w i t h i n y o u r

o rgan i sat ion or do you p lay departmental mind games Is support and recognition the norm or is rudeness and isolation more in vogue within departments Is there a company wide information flow or inter-departmental blocks

Finally every internal survey I have ever observed has (a) lack of l e a d e r s h i p a n d ( b ) l a c k o f communication very high up on the negative side of the list while lsquoIrsquom currently doing a wonderful jobrsquo is usually very high on the positive side Somewhere there is a balance but the reality is most people think they are doing OK from a service perspective managers included Sorry thatrsquos not good enough

Your service to your members is not great because you think it is it is great because your members say it is

If people in organisations large and s m a l l w e r e m o r e t o l e r a n t understanding friendly supportive a p p r e c i a t i v e r e s p e c t f u l encouraging and co-operative there would be a lot more positive (and rewarding) focus on the needs of members

I f t ra in ing and deve lopment programs were to reflect the above issues it would lead to record results in ter ms of product iv i ty and response to the needs of your members

If managers made the above issues part of their organisationrsquos culture and if they worked together to make their departments more open and their people were encouraged to communicate freely just imagine all the benefits this will bring

One final thing encourage an atmosphere of fun It works

ldquoA good leader inspires their people to have confidence in himher A great leader inspires people to have confidence in themselvesrdquo

Contact Kevin Cahalane today for a frank discussion on your membership growth needs in key areas such as membership sales training team bu i ld ing member service excellence training telemarketing training and coach ing you r team to s u c c e s s kevinmembershipgrowthcom a u o r 0 3 5 9 7 6 8 9 6 6 (Australia)

AFFINITY MAGAZINE

20off MEMBERS

spend over $200 wwwlotuslivingdesignscomau

Grand Opening 12 MARCH 2015

10am-7pm 805 The Entrance Rd Wamberal

wwwlotuslivingdesignscomau

DISCOVER SOME OF THE FUN STUFF

Great discounts on holidays flights accommodation amp car hireSave up to 70 on your travel needs with your very own concierge

Theme Parks Adventure Experiences Adrenalin SportsSave up to 25 on various FUN activities through Affinity Alliance

Love Dining Out Choose from a wide range of participating restaurants and saveFrom 10-50 off at participating restaurants across Oz

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

MEMBER ENGAGEMENT

I was born in London but moved with my parents to New York where I grew up went to high school started work at IBM and got drafted into the US Army (a career halter that one)

When in high school I had an after hours job at a supermarket in my home town Mount K i sco in Westchester County

I started in that job as a packer ndash groceries were put into a bin placed on a conveyor belt and pushed through to me Customers would drive up present me with their ticket(s) and I would load their groceries into their car boot (or lsquotrunkrsquo as I called it then)

My little brain worked out pretty quickly that if you smiled and were friendly and loaded the shopping bags carefully you got a tip everything from 25 cents to $1

By the way Betty White and her late husband Alan Ludden used to shop at my supermarket every Friday night They drove up in their l ime green Cadillac and Alan Ludden would get out of the car to help but I also assured him that I was happy to load all the groceries in the car for him He appreciated that (they all did) and Allen Ludden was a buck ($1) tipper I also loved when Betty White would be sitting in the front seat give me a dazzling smile (it has not changed even today) and a wave She did this every time they turned up They were a lovely couple she smiled and waved he was a buck tipper

A f t e r a w h i l e m a n a g e m e n t decided I would be excellent as a cashier No one tipped cashiers My fee l ings as expres sed to management No I would not be a good cashier Management won

Now a cashier would total up the amounts and load the bags into the trolley or into the bin and onto the conveyor That was pretty much it No warmthno sense of service

Not me

I was friendly to every customer I talked to them about their kids their holidays (vacations) anything they liked I gave them double bags yep one (paper) bag inside another packed the bottom layer with cans or drinks and lighter materials on the top Cold and frozen items always went into a doub le bag Management discouraged double bagging because you used well twice as many bags Didnrsquot bother me if they had heavy items they got one or more double bags in order to e a s e t h e i r l o a d w h e n t h e y unpacked their car at home That really impressed a lot of mums on their own who had to unpack at the other end Some Thursday or Friday afternoonsevenings I would have a line of people waiting for me to serve them they preferred to wait rather than be served by my fellow employees who did not understand the concept of service (hey we were all young and probably our hormones were pointing in other directions but my

thoughts were ndash when you are at ork work)

Is your member service to a lsquodouble bagrsquo standard

What is the foundation of every member service or member loyalty program What is it that will induce your members to become your advocates What really wins lsquomembers for lifersquo

The answer although obvious is often overlooked in our high tech world The answer is ndash YOUR PEOPLE

Your people are your greatest resources for achieving member delight member retention member advocacy and long term member satisfaction Conversely your people can be the major causes of relationship breakdowns non-renewals disharmony and lack of trust on the part of members (current and ex)

Letrsquos look at how you can create Excellent member service

Read analyse and respond to surveys ndash from other internal team members as well as your own people Donrsquot be afraid to make the difficult decisions including taking a cold hard look at your management style and that of other team leaderssupervisors within your member services centre

Communicate to your people that your organisation is the paymaster ndash the member actually pays their salary (thanks to Henry Ford for this little gem)

AFFINITY MAGAZINE

Membership Service Excellence Are your Member Services Team ldquoDouble Baggersrdquo

by Kevin Cahalane - Membership Growth

People who know what they are doing why their job is important and where they are heading (team wise and career wise) are usually a lot m o r e s w i t c h e d o n a n d s e l f mot ivated than peop le who c o n s i d e r t h e m s e l v e s t o b e lsquomushroomsrsquo The answer is f e e d b a c k a n d i t i s e v e r y e m p l o y e e s rsquo r i g h t i n e v e r y organisation to be given feedback

Constant positive reinforcement allows people to re-focus their attitudes in a more dynamic way to change their behaviour to a more desirable style and to become a more productive team member Reinforcement of desired behaviour (and striving to change undesirable behaviour) is one of the best ways to promote better member service It is also one of the least used management tools

People need to understand and accept that there is no difference between internal and external service Everyone in an organisation is serving someone else If they are not what exactly are they doing there

Little things count Volunteering time to help an overworked colleague answering anotherrsquos telephone arriving at work a little earlier staying a little later Reward these little things and they will become habits Your members will benefit from these habits as well

Is the term lsquoownershiprsquo a reality in your organisation or just another buzz word Can your people solve problems and make on-the-spot decisions relating to a memberrsquos needs Are they encouraged to take the initiative when dealing with other departments Or is your organisation totally rigid inflexible and a slave to paperwork and forms

Is teamwork and team building e n c o u r a g e d w i t h i n y o u r

o rgan i sat ion or do you p lay departmental mind games Is support and recognition the norm or is rudeness and isolation more in vogue within departments Is there a company wide information flow or inter-departmental blocks

Finally every internal survey I have ever observed has (a) lack of l e a d e r s h i p a n d ( b ) l a c k o f communication very high up on the negative side of the list while lsquoIrsquom currently doing a wonderful jobrsquo is usually very high on the positive side Somewhere there is a balance but the reality is most people think they are doing OK from a service perspective managers included Sorry thatrsquos not good enough

Your service to your members is not great because you think it is it is great because your members say it is

If people in organisations large and s m a l l w e r e m o r e t o l e r a n t understanding friendly supportive a p p r e c i a t i v e r e s p e c t f u l encouraging and co-operative there would be a lot more positive (and rewarding) focus on the needs of members

I f t ra in ing and deve lopment programs were to reflect the above issues it would lead to record results in ter ms of product iv i ty and response to the needs of your members

If managers made the above issues part of their organisationrsquos culture and if they worked together to make their departments more open and their people were encouraged to communicate freely just imagine all the benefits this will bring

One final thing encourage an atmosphere of fun It works

ldquoA good leader inspires their people to have confidence in himher A great leader inspires people to have confidence in themselvesrdquo

Contact Kevin Cahalane today for a frank discussion on your membership growth needs in key areas such as membership sales training team bu i ld ing member service excellence training telemarketing training and coach ing you r team to s u c c e s s kevinmembershipgrowthcom a u o r 0 3 5 9 7 6 8 9 6 6 (Australia)

AFFINITY MAGAZINE

20off MEMBERS

spend over $200 wwwlotuslivingdesignscomau

Grand Opening 12 MARCH 2015

10am-7pm 805 The Entrance Rd Wamberal

wwwlotuslivingdesignscomau

DISCOVER SOME OF THE FUN STUFF

Great discounts on holidays flights accommodation amp car hireSave up to 70 on your travel needs with your very own concierge

Theme Parks Adventure Experiences Adrenalin SportsSave up to 25 on various FUN activities through Affinity Alliance

Love Dining Out Choose from a wide range of participating restaurants and saveFrom 10-50 off at participating restaurants across Oz

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

I was born in London but moved with my parents to New York where I grew up went to high school started work at IBM and got drafted into the US Army (a career halter that one)

When in high school I had an after hours job at a supermarket in my home town Mount K i sco in Westchester County

I started in that job as a packer ndash groceries were put into a bin placed on a conveyor belt and pushed through to me Customers would drive up present me with their ticket(s) and I would load their groceries into their car boot (or lsquotrunkrsquo as I called it then)

My little brain worked out pretty quickly that if you smiled and were friendly and loaded the shopping bags carefully you got a tip everything from 25 cents to $1

By the way Betty White and her late husband Alan Ludden used to shop at my supermarket every Friday night They drove up in their l ime green Cadillac and Alan Ludden would get out of the car to help but I also assured him that I was happy to load all the groceries in the car for him He appreciated that (they all did) and Allen Ludden was a buck ($1) tipper I also loved when Betty White would be sitting in the front seat give me a dazzling smile (it has not changed even today) and a wave She did this every time they turned up They were a lovely couple she smiled and waved he was a buck tipper

A f t e r a w h i l e m a n a g e m e n t decided I would be excellent as a cashier No one tipped cashiers My fee l ings as expres sed to management No I would not be a good cashier Management won

Now a cashier would total up the amounts and load the bags into the trolley or into the bin and onto the conveyor That was pretty much it No warmthno sense of service

Not me

I was friendly to every customer I talked to them about their kids their holidays (vacations) anything they liked I gave them double bags yep one (paper) bag inside another packed the bottom layer with cans or drinks and lighter materials on the top Cold and frozen items always went into a doub le bag Management discouraged double bagging because you used well twice as many bags Didnrsquot bother me if they had heavy items they got one or more double bags in order to e a s e t h e i r l o a d w h e n t h e y unpacked their car at home That really impressed a lot of mums on their own who had to unpack at the other end Some Thursday or Friday afternoonsevenings I would have a line of people waiting for me to serve them they preferred to wait rather than be served by my fellow employees who did not understand the concept of service (hey we were all young and probably our hormones were pointing in other directions but my

thoughts were ndash when you are at ork work)

Is your member service to a lsquodouble bagrsquo standard

What is the foundation of every member service or member loyalty program What is it that will induce your members to become your advocates What really wins lsquomembers for lifersquo

The answer although obvious is often overlooked in our high tech world The answer is ndash YOUR PEOPLE

Your people are your greatest resources for achieving member delight member retention member advocacy and long term member satisfaction Conversely your people can be the major causes of relationship breakdowns non-renewals disharmony and lack of trust on the part of members (current and ex)

Letrsquos look at how you can create Excellent member service

Read analyse and respond to surveys ndash from other internal team members as well as your own people Donrsquot be afraid to make the difficult decisions including taking a cold hard look at your management style and that of other team leaderssupervisors within your member services centre

Communicate to your people that your organisation is the paymaster ndash the member actually pays their salary (thanks to Henry Ford for this little gem)

AFFINITY MAGAZINE

Membership Service Excellence Are your Member Services Team ldquoDouble Baggersrdquo

by Kevin Cahalane - Membership Growth

People who know what they are doing why their job is important and where they are heading (team wise and career wise) are usually a lot m o r e s w i t c h e d o n a n d s e l f mot ivated than peop le who c o n s i d e r t h e m s e l v e s t o b e lsquomushroomsrsquo The answer is f e e d b a c k a n d i t i s e v e r y e m p l o y e e s rsquo r i g h t i n e v e r y organisation to be given feedback

Constant positive reinforcement allows people to re-focus their attitudes in a more dynamic way to change their behaviour to a more desirable style and to become a more productive team member Reinforcement of desired behaviour (and striving to change undesirable behaviour) is one of the best ways to promote better member service It is also one of the least used management tools

People need to understand and accept that there is no difference between internal and external service Everyone in an organisation is serving someone else If they are not what exactly are they doing there

Little things count Volunteering time to help an overworked colleague answering anotherrsquos telephone arriving at work a little earlier staying a little later Reward these little things and they will become habits Your members will benefit from these habits as well

Is the term lsquoownershiprsquo a reality in your organisation or just another buzz word Can your people solve problems and make on-the-spot decisions relating to a memberrsquos needs Are they encouraged to take the initiative when dealing with other departments Or is your organisation totally rigid inflexible and a slave to paperwork and forms

Is teamwork and team building e n c o u r a g e d w i t h i n y o u r

o rgan i sat ion or do you p lay departmental mind games Is support and recognition the norm or is rudeness and isolation more in vogue within departments Is there a company wide information flow or inter-departmental blocks

Finally every internal survey I have ever observed has (a) lack of l e a d e r s h i p a n d ( b ) l a c k o f communication very high up on the negative side of the list while lsquoIrsquom currently doing a wonderful jobrsquo is usually very high on the positive side Somewhere there is a balance but the reality is most people think they are doing OK from a service perspective managers included Sorry thatrsquos not good enough

Your service to your members is not great because you think it is it is great because your members say it is

If people in organisations large and s m a l l w e r e m o r e t o l e r a n t understanding friendly supportive a p p r e c i a t i v e r e s p e c t f u l encouraging and co-operative there would be a lot more positive (and rewarding) focus on the needs of members

I f t ra in ing and deve lopment programs were to reflect the above issues it would lead to record results in ter ms of product iv i ty and response to the needs of your members

If managers made the above issues part of their organisationrsquos culture and if they worked together to make their departments more open and their people were encouraged to communicate freely just imagine all the benefits this will bring

One final thing encourage an atmosphere of fun It works

ldquoA good leader inspires their people to have confidence in himher A great leader inspires people to have confidence in themselvesrdquo

Contact Kevin Cahalane today for a frank discussion on your membership growth needs in key areas such as membership sales training team bu i ld ing member service excellence training telemarketing training and coach ing you r team to s u c c e s s kevinmembershipgrowthcom a u o r 0 3 5 9 7 6 8 9 6 6 (Australia)

AFFINITY MAGAZINE

20off MEMBERS

spend over $200 wwwlotuslivingdesignscomau

Grand Opening 12 MARCH 2015

10am-7pm 805 The Entrance Rd Wamberal

wwwlotuslivingdesignscomau

DISCOVER SOME OF THE FUN STUFF

Great discounts on holidays flights accommodation amp car hireSave up to 70 on your travel needs with your very own concierge

Theme Parks Adventure Experiences Adrenalin SportsSave up to 25 on various FUN activities through Affinity Alliance

Love Dining Out Choose from a wide range of participating restaurants and saveFrom 10-50 off at participating restaurants across Oz

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

People who know what they are doing why their job is important and where they are heading (team wise and career wise) are usually a lot m o r e s w i t c h e d o n a n d s e l f mot ivated than peop le who c o n s i d e r t h e m s e l v e s t o b e lsquomushroomsrsquo The answer is f e e d b a c k a n d i t i s e v e r y e m p l o y e e s rsquo r i g h t i n e v e r y organisation to be given feedback

Constant positive reinforcement allows people to re-focus their attitudes in a more dynamic way to change their behaviour to a more desirable style and to become a more productive team member Reinforcement of desired behaviour (and striving to change undesirable behaviour) is one of the best ways to promote better member service It is also one of the least used management tools

People need to understand and accept that there is no difference between internal and external service Everyone in an organisation is serving someone else If they are not what exactly are they doing there

Little things count Volunteering time to help an overworked colleague answering anotherrsquos telephone arriving at work a little earlier staying a little later Reward these little things and they will become habits Your members will benefit from these habits as well

Is the term lsquoownershiprsquo a reality in your organisation or just another buzz word Can your people solve problems and make on-the-spot decisions relating to a memberrsquos needs Are they encouraged to take the initiative when dealing with other departments Or is your organisation totally rigid inflexible and a slave to paperwork and forms

Is teamwork and team building e n c o u r a g e d w i t h i n y o u r

o rgan i sat ion or do you p lay departmental mind games Is support and recognition the norm or is rudeness and isolation more in vogue within departments Is there a company wide information flow or inter-departmental blocks

Finally every internal survey I have ever observed has (a) lack of l e a d e r s h i p a n d ( b ) l a c k o f communication very high up on the negative side of the list while lsquoIrsquom currently doing a wonderful jobrsquo is usually very high on the positive side Somewhere there is a balance but the reality is most people think they are doing OK from a service perspective managers included Sorry thatrsquos not good enough

Your service to your members is not great because you think it is it is great because your members say it is

If people in organisations large and s m a l l w e r e m o r e t o l e r a n t understanding friendly supportive a p p r e c i a t i v e r e s p e c t f u l encouraging and co-operative there would be a lot more positive (and rewarding) focus on the needs of members

I f t ra in ing and deve lopment programs were to reflect the above issues it would lead to record results in ter ms of product iv i ty and response to the needs of your members

If managers made the above issues part of their organisationrsquos culture and if they worked together to make their departments more open and their people were encouraged to communicate freely just imagine all the benefits this will bring

One final thing encourage an atmosphere of fun It works

ldquoA good leader inspires their people to have confidence in himher A great leader inspires people to have confidence in themselvesrdquo

Contact Kevin Cahalane today for a frank discussion on your membership growth needs in key areas such as membership sales training team bu i ld ing member service excellence training telemarketing training and coach ing you r team to s u c c e s s kevinmembershipgrowthcom a u o r 0 3 5 9 7 6 8 9 6 6 (Australia)

AFFINITY MAGAZINE

20off MEMBERS

spend over $200 wwwlotuslivingdesignscomau

Grand Opening 12 MARCH 2015

10am-7pm 805 The Entrance Rd Wamberal

wwwlotuslivingdesignscomau

DISCOVER SOME OF THE FUN STUFF

Great discounts on holidays flights accommodation amp car hireSave up to 70 on your travel needs with your very own concierge

Theme Parks Adventure Experiences Adrenalin SportsSave up to 25 on various FUN activities through Affinity Alliance

Love Dining Out Choose from a wide range of participating restaurants and saveFrom 10-50 off at participating restaurants across Oz

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

AFFINITY MAGAZINE

20off MEMBERS

spend over $200 wwwlotuslivingdesignscomau

Grand Opening 12 MARCH 2015

10am-7pm 805 The Entrance Rd Wamberal

wwwlotuslivingdesignscomau

DISCOVER SOME OF THE FUN STUFF

Great discounts on holidays flights accommodation amp car hireSave up to 70 on your travel needs with your very own concierge

Theme Parks Adventure Experiences Adrenalin SportsSave up to 25 on various FUN activities through Affinity Alliance

Love Dining Out Choose from a wide range of participating restaurants and saveFrom 10-50 off at participating restaurants across Oz

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

20off MEMBERS

spend over $200 wwwlotuslivingdesignscomau

Grand Opening 12 MARCH 2015

10am-7pm 805 The Entrance Rd Wamberal

wwwlotuslivingdesignscomau

DISCOVER SOME OF THE FUN STUFF

Great discounts on holidays flights accommodation amp car hireSave up to 70 on your travel needs with your very own concierge

Theme Parks Adventure Experiences Adrenalin SportsSave up to 25 on various FUN activities through Affinity Alliance

Love Dining Out Choose from a wide range of participating restaurants and saveFrom 10-50 off at participating restaurants across Oz

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

Grand Opening 12 MARCH 2015

10am-7pm 805 The Entrance Rd Wamberal

wwwlotuslivingdesignscomau

DISCOVER SOME OF THE FUN STUFF

Great discounts on holidays flights accommodation amp car hireSave up to 70 on your travel needs with your very own concierge

Theme Parks Adventure Experiences Adrenalin SportsSave up to 25 on various FUN activities through Affinity Alliance

Love Dining Out Choose from a wide range of participating restaurants and saveFrom 10-50 off at participating restaurants across Oz

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

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Great discounts on holidays flights accommodation amp car hireSave up to 70 on your travel needs with your very own concierge

Theme Parks Adventure Experiences Adrenalin SportsSave up to 25 on various FUN activities through Affinity Alliance

Love Dining Out Choose from a wide range of participating restaurants and saveFrom 10-50 off at participating restaurants across Oz

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

Who We Arehellip WE ARE MAKERS OF HIGH QUALITY

WOODEN PET PRODUCTS SUCH AS

DOG BEDS CAT TREES NEST BOXES

BIRD PLAY STANDS GUINEA PIG

RABBIT HUTCHES AND BREEDING

CABINETS PARROT amp POULTRY

BROODERS

WHY BUY FROM US bullWe are the manufacturer

bullWe only use pet safe materials

bullWe can make anything for any animal

as long as it is made from wood

bullWe can make our designs or turn your

ideas into a reality

W W W A N I M A LW O O D W O R X W E B S C O M Phone 07 54190353

Email enquiriesanimalwoodworxcomau

ANIMAL Woodworx

AFFINITY ALLIANCE MEMBERS RECEIVE A 10

DISCOUNT OFF ALL ANIMAL WOODWORX

PRODUCTS INCLUDING SALE ITEMShellip

PRESENT YOUR AFFINITY ALLIANCE CARD

UPON ORDERING

AFFINITY OFFER

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

Affinity PROFESSIONAL LEGAL NETWORK

INSURANCE

FINANCE

HUMAN RESOURCES

INDUSTRIAL RELATIONS

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

The Reserve Bank of Australiarsquos decision to drop the official cash rate to 225 per cent is a wake-up call for people who sat on the sidelines of the property market during 2014 convinced that property prices were too high

With interest rates dropping ndash and another reduction probable this year ndash consumers have to focus on what they can control rather than concerning themselves with huge factors such as RBA decisions The components of the property market most people can control is loan affordability and buying well

Letrsquos start with affordability there havenrsquot been interest rates this low for half a century and consumers shouldnrsquot ignore the opportunity even if low interest rates come with rising property prices When you consider the alternative ndash the 19 per cent mortgages that my generation paid for their first homes ndash itrsquos amazing that people are baulking at the current mortgage market

Within the broader argument about affordability is the question of whether yoursquore in the right mortgage Some of the big advertising that came after the rate cut emphasised which lenders had lsquogonersquo first and their cuts But there is already a range of variable rate mortgages stretching from around 46 per cent to more than 56 per cent with big banks in that higher interest rate range and the lenders outside the Big Four are down around the 46 per cent mark

This means you start with a big range of home loan interest rates If you take a home loan of $400000 over 25 years at 56 per cent it will cost you around $234 more per month more than the same loan at 46 per cent

When thinking-through loan affordability and your ability to repay a loan if the rates rise by ndash say ndash two per cent remember that by shopping around now you can already build-in a 1 per cent buffer on the expensive lenders This is entirely within your control and the options exist

And what about the other component of the property market buying well

When people have an approval from a lender they can become carried away perhaps they missed out at a couple of auctions and donrsquot want to be gazumped again Perhaps they are panicked about rising prices

I suggest you take your time do your homework and donrsquot become bogged down in the property indices Develop your own criteria and stick to it Do your own research talk to real estate agents walk around suburbs and talk to people

As for worries about rising property prices ndash and the potential for a correction ndash remember that Australian residential property prices may rise by around 6 per cent a year but these figures are averages over 10 years Therersquos always corrections but over the full decade most owners make gains The Reserve Bank has set the low-interest rate environment for 2015 Now itrsquos your turn to take control focus on loan affordability and buying well In all property markets these are still the basics of getting it right

Affinity FINANCE New Year New Start Plan for Success in 2015hellip

by Ian Birtles-Crute Wealth Manager and Principal Yellow Brick Road Browns Plains

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

Many responsible Austral ians ensure that their families are well provided for in the event of their death However what many fail to consider is the personal debt they incur in their lifetime and what would happen if they become critically ill

In Australia many small business owners take on individual debt as start-up capital or to expand the business About 74 of these business owners offer their home as security against the debt This means that failure to settle their financial obligations would risk the loss of both their business and their home

This is a frightening scenario but many business owners willingly take on this risk

Think about it Businesses are insured against fire flood and theft while most business owners also have some form of l ife insurance in place However the majority of business owners do not have a contingency plan in place if they become ill especially if the illness would take them out of the picture for an extended period of time If the business owner plays a major role in the operation of the business the ability to make debt repayments can be seriously compromised

Minimising the Risk with Critical Illness or Trauma Cover

Illness or injury can happen to anyone and it is good business sense to make su re that a contingency plan to cover this is put in place The most practical

solution to protect against this risk is a trauma insurance or critical illness cover This is easier said than done First of all most business owners try to control liquidity or c a s h f l o w o f t h e b u s i n e s s P remiums fo r c r i t ica l i l l ness coverage can be really expensive and many start-up businesses canrsquot make this a priority Many bankers and accountants also do not recommend it because the capi ta l ga ins tax (CGT) on proceeds from critical illness and trauma insurance claims can run as high as 30-465

The traditional practice in small businesses particularly where partnerships exist i s for the company to own insurance policies or guarantees against the partnersrsquo debts In case one of the partners become ill his critical illness claim can be taxed by 30 and not enough could be left to pay for his debt To solve this problem they may increase the insured amount which would also mean higher premiums

A n e w a p p r o a c h t o d e b t protection is to take a level premium on part or the entire cover This will make it possible for a bus iness owner to pay a premium based on his age minimizing the risk that his policy would lapse In addition a Risk Specia l i s t Network has a l so partnered with legal entities to come up with more practical solutions that provide for

bull no capital gains tax on insurance proceeds and

bull greater control given to the o w n e r o r h i s b e n e f i c i a r i e s regarding the release of assets used to secure the debt

This way the business becomes the ownerrsquos creditor rather than a lending institution which is really a more posit ive and favorable position

Donrsquot risk losing your assets in the event of illness or injury Learn how you can gain a more favourable advantage with debt protection

Right Choice Financial Services are insurance experts assisting both individuals and businesses to address their insurance needs For your cost and obligation free consultation please contact 1300 5 5 8 3 7 4 o r e m a i l salesrighcfscomau to see how our staff can help protect those you love

Right Choice Financial Services Pty L t d ( A B N 4 9 1 6 8 5 9 5 0 3 3 ) i s a C o r p o r a t e A u t h o r i s e d Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139) AFSL 307248

General Advice warning This article contains general information only It does not take into account any of your personal c i r c u m s t a n c e s o b j e c t i v e s financial situation or needs Please consider the appropriateness of the information in light of your personal circumstances and seek proper advice prior to acting on this information

Protect Your Assets from Debt by Adam Pile from Your Risk Adviser

AFFINITY MAGAZINE

FREE Retirement Review

Right Choice Financial Services Pty Ltd (ABN 49 168 595 033) is a Corporate Authorised Representative (CAR No 455286) of Dover Financial Advisers Pty Ltd (ABN 87 112 139 321) AFSL 307248

PCOrsquos Advertise your business and services with interactive adverts on every single email your staff send daily

CORPORATESPromote your upcoming eventsfunctionslaunches with interactive adverts on every email your staff send Recipients can easily click through to your registration or info page

A New Advertising Platform

VIEW MORE rarr wwwWizidscom

in your email signatures

or contact us at infowizidscomor +61 07 5530 4375

AFFINITY MAGAZINE

AFFINITY MAGAZINE

Affinity HRIR Interpretation of Terms of Employment Contract

by Sharon Collitt from Employment Tool Kits

What do you mean by an employment contract An employment contract is basically a kind of agreement between the employee and employer in which an employee agrees to work for with an employer for a specific time span and most importantly for a specific job

Here are basically two types of an employment contract ie

1 Undetermined Employment Contract

2 Determined Employment Contract

U n d e r U n d e t e r m i n e d employment contract there is no fix duration regarding employment whereas in case o f a d e t e r m i n e d employment contract both employee and employer agree to work for a specific yet fixed time frame

Employment contracts may be called a forced labor contract as both employee and employer agree for a specific contract between readily and most importantly w i t h e x t r e m e l e v e l o f willingness and commitment However under a default forced labor contract an employer and employee fix for duration in long run and it i s m a n d a t o r y f o r a n employee to stick with the employer for that agreed long term time span He or she canrsquot leave the employer before that specific duration

However if an employee des i re to cont inue with employer after that agreed specific time span then an

employment contract can be signed by the employee with a clear statement that he or she intended to work for m o r e n u m b e r o f y e a r s specified on employment contract After signing an employment contract an employee will lose his right if desire to quit the job before that agreed time frame

If talk about employment prerequisites in United Arab Emirates then we can easily inspect that all pertinent rights and obligations are i t e m i z e d i n i t s a f f l u e n t constitution However these pertinent rights are only for the nationals of United Arab Emirates For rests of people who reside in United Arab Emirates as emigrants have to m a j o r l y f o c u s o n a n employment contract In this article we present a few common grounds itemized f o r r e p e a l i n g o f t h e employment without any initial notice

In case the employees presumes a fake recognition or nationality or apply for a set of false documents

If the worker is employed under probation period and dismissal is occurred at the end or during that probation period

If the employee reveals any o f t h e s e c r e c y o f t h e organization where he is employed

If the employee condemned in a final manner by the knowledgeable court for a misdeed activity related to public ethics sincerity and honor

AFFINITY MAGAZINE

AFFINITY MAGAZINE

AFFINITY MAGAZINE

WANT TO ADVERTISE IN OUR MONTHLY EMAGAZINE CALL 1300 793 044 OR EMAIL US TODAY FOR A MEDIA KIT

AFFINITY MAGAZINE

AFFINITY TRAVEL Have baggage - will travel Longing for an overseas trip or just simply a

weekend getaway interstate or planning a honeymoon With Affinity

Travel you have your very own concierge who will handle all the details

and all you need to do is sit back and relax We take the stress out of

holiday planning and all while saving you up to 70 on flights

accommodation airport lounges and car hirehellip

What are you waiting for Use your Affinity Alliance membership today

and get on your way Call 1300 793 044 for details

Personalised Service Impartial Advice Right Price No Stress

AustrAlAsiAn

Experience something special on your next car purchase

Call 1300 76 49 49 or visit wwwavbscomau

VEHIclE BUYING SERVIcESAustrAlAsiAnAvbsAvbs

TDAVBS0001

This is a free member service endorsed by your association and is available on all makes and models

AFFINITY MAGAZINE

Affinity TRAVEL

Save up to 70 off by booking with Affinity Travelhellip Here are some of our valued partners Check out our exclusive RESORT

SPECIALS - Call 1300 793 044 travelaffinityalliancecocomau

PCOrsquos Advertise your business and services with interactive adverts on every single email your staff send daily

CORPORATESPromote your upcoming eventsfunctionslaunches with interactive adverts on every email your staff send Recipients can easily click through to your registration or info page

A New Advertising Platform

VIEW MORE rarr wwwWizidscom

in your email signatures

or contact us at infowizidscomor +61 07 5530 4375

AFFINITY MAGAZINE

AFFINITY MAGAZINE

Affinity HRIR Interpretation of Terms of Employment Contract

by Sharon Collitt from Employment Tool Kits

What do you mean by an employment contract An employment contract is basically a kind of agreement between the employee and employer in which an employee agrees to work for with an employer for a specific time span and most importantly for a specific job

Here are basically two types of an employment contract ie

1 Undetermined Employment Contract

2 Determined Employment Contract

U n d e r U n d e t e r m i n e d employment contract there is no fix duration regarding employment whereas in case o f a d e t e r m i n e d employment contract both employee and employer agree to work for a specific yet fixed time frame

Employment contracts may be called a forced labor contract as both employee and employer agree for a specific contract between readily and most importantly w i t h e x t r e m e l e v e l o f willingness and commitment However under a default forced labor contract an employer and employee fix for duration in long run and it i s m a n d a t o r y f o r a n employee to stick with the employer for that agreed long term time span He or she canrsquot leave the employer before that specific duration

However if an employee des i re to cont inue with employer after that agreed specific time span then an

employment contract can be signed by the employee with a clear statement that he or she intended to work for m o r e n u m b e r o f y e a r s specified on employment contract After signing an employment contract an employee will lose his right if desire to quit the job before that agreed time frame

If talk about employment prerequisites in United Arab Emirates then we can easily inspect that all pertinent rights and obligations are i t e m i z e d i n i t s a f f l u e n t constitution However these pertinent rights are only for the nationals of United Arab Emirates For rests of people who reside in United Arab Emirates as emigrants have to m a j o r l y f o c u s o n a n employment contract In this article we present a few common grounds itemized f o r r e p e a l i n g o f t h e employment without any initial notice

In case the employees presumes a fake recognition or nationality or apply for a set of false documents

If the worker is employed under probation period and dismissal is occurred at the end or during that probation period

If the employee reveals any o f t h e s e c r e c y o f t h e organization where he is employed

If the employee condemned in a final manner by the knowledgeable court for a misdeed activity related to public ethics sincerity and honor

AFFINITY MAGAZINE

AFFINITY MAGAZINE

AFFINITY MAGAZINE

WANT TO ADVERTISE IN OUR MONTHLY EMAGAZINE CALL 1300 793 044 OR EMAIL US TODAY FOR A MEDIA KIT

AFFINITY MAGAZINE

AFFINITY TRAVEL Have baggage - will travel Longing for an overseas trip or just simply a

weekend getaway interstate or planning a honeymoon With Affinity

Travel you have your very own concierge who will handle all the details

and all you need to do is sit back and relax We take the stress out of

holiday planning and all while saving you up to 70 on flights

accommodation airport lounges and car hirehellip

What are you waiting for Use your Affinity Alliance membership today

and get on your way Call 1300 793 044 for details

Personalised Service Impartial Advice Right Price No Stress

AustrAlAsiAn

Experience something special on your next car purchase

Call 1300 76 49 49 or visit wwwavbscomau

VEHIclE BUYING SERVIcESAustrAlAsiAnAvbsAvbs

TDAVBS0001

This is a free member service endorsed by your association and is available on all makes and models

AFFINITY MAGAZINE

Affinity TRAVEL

Save up to 70 off by booking with Affinity Travelhellip Here are some of our valued partners Check out our exclusive RESORT

SPECIALS - Call 1300 793 044 travelaffinityalliancecocomau

AFFINITY MAGAZINE

Affinity HRIR Interpretation of Terms of Employment Contract

by Sharon Collitt from Employment Tool Kits

What do you mean by an employment contract An employment contract is basically a kind of agreement between the employee and employer in which an employee agrees to work for with an employer for a specific time span and most importantly for a specific job

Here are basically two types of an employment contract ie

1 Undetermined Employment Contract

2 Determined Employment Contract

U n d e r U n d e t e r m i n e d employment contract there is no fix duration regarding employment whereas in case o f a d e t e r m i n e d employment contract both employee and employer agree to work for a specific yet fixed time frame

Employment contracts may be called a forced labor contract as both employee and employer agree for a specific contract between readily and most importantly w i t h e x t r e m e l e v e l o f willingness and commitment However under a default forced labor contract an employer and employee fix for duration in long run and it i s m a n d a t o r y f o r a n employee to stick with the employer for that agreed long term time span He or she canrsquot leave the employer before that specific duration

However if an employee des i re to cont inue with employer after that agreed specific time span then an

employment contract can be signed by the employee with a clear statement that he or she intended to work for m o r e n u m b e r o f y e a r s specified on employment contract After signing an employment contract an employee will lose his right if desire to quit the job before that agreed time frame

If talk about employment prerequisites in United Arab Emirates then we can easily inspect that all pertinent rights and obligations are i t e m i z e d i n i t s a f f l u e n t constitution However these pertinent rights are only for the nationals of United Arab Emirates For rests of people who reside in United Arab Emirates as emigrants have to m a j o r l y f o c u s o n a n employment contract In this article we present a few common grounds itemized f o r r e p e a l i n g o f t h e employment without any initial notice

In case the employees presumes a fake recognition or nationality or apply for a set of false documents

If the worker is employed under probation period and dismissal is occurred at the end or during that probation period

If the employee reveals any o f t h e s e c r e c y o f t h e organization where he is employed

If the employee condemned in a final manner by the knowledgeable court for a misdeed activity related to public ethics sincerity and honor

AFFINITY MAGAZINE

AFFINITY MAGAZINE

AFFINITY MAGAZINE

WANT TO ADVERTISE IN OUR MONTHLY EMAGAZINE CALL 1300 793 044 OR EMAIL US TODAY FOR A MEDIA KIT

AFFINITY MAGAZINE

AFFINITY TRAVEL Have baggage - will travel Longing for an overseas trip or just simply a

weekend getaway interstate or planning a honeymoon With Affinity

Travel you have your very own concierge who will handle all the details

and all you need to do is sit back and relax We take the stress out of

holiday planning and all while saving you up to 70 on flights

accommodation airport lounges and car hirehellip

What are you waiting for Use your Affinity Alliance membership today

and get on your way Call 1300 793 044 for details

Personalised Service Impartial Advice Right Price No Stress

AustrAlAsiAn

Experience something special on your next car purchase

Call 1300 76 49 49 or visit wwwavbscomau

VEHIclE BUYING SERVIcESAustrAlAsiAnAvbsAvbs

TDAVBS0001

This is a free member service endorsed by your association and is available on all makes and models

AFFINITY MAGAZINE

Affinity TRAVEL

Save up to 70 off by booking with Affinity Travelhellip Here are some of our valued partners Check out our exclusive RESORT

SPECIALS - Call 1300 793 044 travelaffinityalliancecocomau

Affinity HRIR Interpretation of Terms of Employment Contract

by Sharon Collitt from Employment Tool Kits

What do you mean by an employment contract An employment contract is basically a kind of agreement between the employee and employer in which an employee agrees to work for with an employer for a specific time span and most importantly for a specific job

Here are basically two types of an employment contract ie

1 Undetermined Employment Contract

2 Determined Employment Contract

U n d e r U n d e t e r m i n e d employment contract there is no fix duration regarding employment whereas in case o f a d e t e r m i n e d employment contract both employee and employer agree to work for a specific yet fixed time frame

Employment contracts may be called a forced labor contract as both employee and employer agree for a specific contract between readily and most importantly w i t h e x t r e m e l e v e l o f willingness and commitment However under a default forced labor contract an employer and employee fix for duration in long run and it i s m a n d a t o r y f o r a n employee to stick with the employer for that agreed long term time span He or she canrsquot leave the employer before that specific duration

However if an employee des i re to cont inue with employer after that agreed specific time span then an

employment contract can be signed by the employee with a clear statement that he or she intended to work for m o r e n u m b e r o f y e a r s specified on employment contract After signing an employment contract an employee will lose his right if desire to quit the job before that agreed time frame

If talk about employment prerequisites in United Arab Emirates then we can easily inspect that all pertinent rights and obligations are i t e m i z e d i n i t s a f f l u e n t constitution However these pertinent rights are only for the nationals of United Arab Emirates For rests of people who reside in United Arab Emirates as emigrants have to m a j o r l y f o c u s o n a n employment contract In this article we present a few common grounds itemized f o r r e p e a l i n g o f t h e employment without any initial notice

In case the employees presumes a fake recognition or nationality or apply for a set of false documents

If the worker is employed under probation period and dismissal is occurred at the end or during that probation period

If the employee reveals any o f t h e s e c r e c y o f t h e organization where he is employed

If the employee condemned in a final manner by the knowledgeable court for a misdeed activity related to public ethics sincerity and honor

AFFINITY MAGAZINE

AFFINITY MAGAZINE

AFFINITY MAGAZINE

WANT TO ADVERTISE IN OUR MONTHLY EMAGAZINE CALL 1300 793 044 OR EMAIL US TODAY FOR A MEDIA KIT

AFFINITY MAGAZINE

AFFINITY TRAVEL Have baggage - will travel Longing for an overseas trip or just simply a

weekend getaway interstate or planning a honeymoon With Affinity

Travel you have your very own concierge who will handle all the details

and all you need to do is sit back and relax We take the stress out of

holiday planning and all while saving you up to 70 on flights

accommodation airport lounges and car hirehellip

What are you waiting for Use your Affinity Alliance membership today

and get on your way Call 1300 793 044 for details

Personalised Service Impartial Advice Right Price No Stress

AustrAlAsiAn

Experience something special on your next car purchase

Call 1300 76 49 49 or visit wwwavbscomau

VEHIclE BUYING SERVIcESAustrAlAsiAnAvbsAvbs

TDAVBS0001

This is a free member service endorsed by your association and is available on all makes and models

AFFINITY MAGAZINE

Affinity TRAVEL

Save up to 70 off by booking with Affinity Travelhellip Here are some of our valued partners Check out our exclusive RESORT

SPECIALS - Call 1300 793 044 travelaffinityalliancecocomau

AFFINITY MAGAZINE

AFFINITY MAGAZINE

WANT TO ADVERTISE IN OUR MONTHLY EMAGAZINE CALL 1300 793 044 OR EMAIL US TODAY FOR A MEDIA KIT

AFFINITY MAGAZINE

AFFINITY TRAVEL Have baggage - will travel Longing for an overseas trip or just simply a

weekend getaway interstate or planning a honeymoon With Affinity

Travel you have your very own concierge who will handle all the details

and all you need to do is sit back and relax We take the stress out of

holiday planning and all while saving you up to 70 on flights

accommodation airport lounges and car hirehellip

What are you waiting for Use your Affinity Alliance membership today

and get on your way Call 1300 793 044 for details

Personalised Service Impartial Advice Right Price No Stress

AustrAlAsiAn

Experience something special on your next car purchase

Call 1300 76 49 49 or visit wwwavbscomau

VEHIclE BUYING SERVIcESAustrAlAsiAnAvbsAvbs

TDAVBS0001

This is a free member service endorsed by your association and is available on all makes and models

AFFINITY MAGAZINE

Affinity TRAVEL

Save up to 70 off by booking with Affinity Travelhellip Here are some of our valued partners Check out our exclusive RESORT

SPECIALS - Call 1300 793 044 travelaffinityalliancecocomau

AFFINITY MAGAZINE

WANT TO ADVERTISE IN OUR MONTHLY EMAGAZINE CALL 1300 793 044 OR EMAIL US TODAY FOR A MEDIA KIT

AFFINITY MAGAZINE

AFFINITY TRAVEL Have baggage - will travel Longing for an overseas trip or just simply a

weekend getaway interstate or planning a honeymoon With Affinity

Travel you have your very own concierge who will handle all the details

and all you need to do is sit back and relax We take the stress out of

holiday planning and all while saving you up to 70 on flights

accommodation airport lounges and car hirehellip

What are you waiting for Use your Affinity Alliance membership today

and get on your way Call 1300 793 044 for details

Personalised Service Impartial Advice Right Price No Stress

AustrAlAsiAn

Experience something special on your next car purchase

Call 1300 76 49 49 or visit wwwavbscomau

VEHIclE BUYING SERVIcESAustrAlAsiAnAvbsAvbs

TDAVBS0001

This is a free member service endorsed by your association and is available on all makes and models

AFFINITY MAGAZINE

Affinity TRAVEL

Save up to 70 off by booking with Affinity Travelhellip Here are some of our valued partners Check out our exclusive RESORT

SPECIALS - Call 1300 793 044 travelaffinityalliancecocomau

AFFINITY MAGAZINE

AFFINITY TRAVEL Have baggage - will travel Longing for an overseas trip or just simply a

weekend getaway interstate or planning a honeymoon With Affinity

Travel you have your very own concierge who will handle all the details

and all you need to do is sit back and relax We take the stress out of

holiday planning and all while saving you up to 70 on flights

accommodation airport lounges and car hirehellip

What are you waiting for Use your Affinity Alliance membership today

and get on your way Call 1300 793 044 for details

Personalised Service Impartial Advice Right Price No Stress

AustrAlAsiAn

Experience something special on your next car purchase

Call 1300 76 49 49 or visit wwwavbscomau

VEHIclE BUYING SERVIcESAustrAlAsiAnAvbsAvbs

TDAVBS0001

This is a free member service endorsed by your association and is available on all makes and models

AFFINITY MAGAZINE

Affinity TRAVEL

Save up to 70 off by booking with Affinity Travelhellip Here are some of our valued partners Check out our exclusive RESORT

SPECIALS - Call 1300 793 044 travelaffinityalliancecocomau

AFFINITY TRAVEL Have baggage - will travel Longing for an overseas trip or just simply a

weekend getaway interstate or planning a honeymoon With Affinity

Travel you have your very own concierge who will handle all the details

and all you need to do is sit back and relax We take the stress out of

holiday planning and all while saving you up to 70 on flights

accommodation airport lounges and car hirehellip

What are you waiting for Use your Affinity Alliance membership today

and get on your way Call 1300 793 044 for details

Personalised Service Impartial Advice Right Price No Stress

AustrAlAsiAn

Experience something special on your next car purchase

Call 1300 76 49 49 or visit wwwavbscomau

VEHIclE BUYING SERVIcESAustrAlAsiAnAvbsAvbs

TDAVBS0001

This is a free member service endorsed by your association and is available on all makes and models

AFFINITY MAGAZINE

Affinity TRAVEL

Save up to 70 off by booking with Affinity Travelhellip Here are some of our valued partners Check out our exclusive RESORT

SPECIALS - Call 1300 793 044 travelaffinityalliancecocomau

Personalised Service Impartial Advice Right Price No Stress

AustrAlAsiAn

Experience something special on your next car purchase

Call 1300 76 49 49 or visit wwwavbscomau

VEHIclE BUYING SERVIcESAustrAlAsiAnAvbsAvbs

TDAVBS0001

This is a free member service endorsed by your association and is available on all makes and models

AFFINITY MAGAZINE

Affinity TRAVEL

Save up to 70 off by booking with Affinity Travelhellip Here are some of our valued partners Check out our exclusive RESORT

SPECIALS - Call 1300 793 044 travelaffinityalliancecocomau

Affinity TRAVEL

Save up to 70 off by booking with Affinity Travelhellip Here are some of our valued partners Check out our exclusive RESORT

SPECIALS - Call 1300 793 044 travelaffinityalliancecocomau

Save up to 70 off by booking with Affinity Travelhellip Here are some of our valued partners Check out our exclusive RESORT

SPECIALS - Call 1300 793 044 travelaffinityalliancecocomau

Asia is high on the list of travel destinations for Australians Itrsquos exotic

energetic alluring and most importantly easy to get to You can jump on a flight at any major airport and be in the midst of it all in as little as eight

hours

Affinity Alliance is excited to introduce travel deals for members to key Asian destinations

Thailand Bali and the very popular Vietnam Wersquove sourced some amazing deals with

special member only inclusions and a sharply discounted exclusive rates Read and get

excited about your next holiday

Vietnam Vietnam is the new hotspot for Australians looking for the seminal Asian experience travel This amazing country offers old world appeal with splashes of sublime sophistication The cities bustle with street markets artisans merchants and two wheelers Architectural vestiges of a fading colonial past evoke the imagination The beaches and islands that stretch along its long coast offer up postcard perfect scenery

Nha Trang is the beach capital of Vietnam and a must see destination The high energy city of Nha Trang enjoys stunning setting ringed by mountains and a sweeping 7 mile long crescent beach the citys turquoise bay is dotted with tropical islands

Amiana Resort is located at one end of Nha Trang Bay and only a short distance from Nha Trang city This luxury resort looks over a private edge water pool the bay and mountains

Deal Deluxe Villa Location Nha Trang Bay Vietnam

Guests 2 Nights 7 nights

Was $2799 Sale price $1745

Thailand Where can you go where the exchange rate makes you as rich as a Princess (or Prince) and treated like one too In Thailand you get extraordinary service that you will never forget from friendly people who enjoy making your holiday special The country is famous for its beaches smiles food and friendliness

Patong Beach in Phuket is popular for all the right reasons Shopping nightlife amazing eateries and of course a great beach You can get to Patong Beach from the Airport in 40 minutes by bus or taxi and Phuket Airport from most Australian ports is around seven to nine hours

Avista Resort is located in the popular Thailand holiday destination of Phuket The resort offers guests 45 star private luxury accommodation set amongst a peaceful backdrop but still only 2 minutes by car from the areas night-life restaurants and the world famous Patong Beach

Deal Buena Vista Location Phuket Thailand

Guests 2 Nights 6 nights

Was $1999 Sale price $1105

Bali Have you been to Bali too Just a

short hop away bustling Bali is a great place to find yourself somewhere different quickly Itrsquos a great place to party or to relax Itrsquos a small island with the most popular places accessible from the airport in under an hour

Shop go to nightclubs hang out on the beach all day unwind by

the pool or spoil yourself with a massage and spa

Vi l la Kayu Ra ja Ba l i o f fe r s luxu ry accommodation ideally located in the heart of Seminyak just 18 minutes from Ngurah Rai International Airport

Affinity COMMUNICATIONS

Manipulating graphics is a fun pastime and can even become a profitable venture if you know where to find the right tools Today there are so many different software applications to choose from You can find anything from high-end and expensive graphics software to fully functional but free graphics software

Here are a few to try out

pixlrcom

This is a completely free photo editor that lets you do all kinds of things to your graphics and photos You can even use this software on your phone or tablet computer It takes a bit of practice to get it to work but itrsquos relatively simple so that anyone can figure it out You can even make up a picture using the different features on Pixlr such as overlays stickers and more

FotoFlexercom

T h e p o p - u p a d s c a n b e a distraction here but FotoFlexercom is a very advanced online image editor You can use it to edit images that are already on Photobucket in Facebook Flickr MySpace and more So even if the image is not on your computer to upload you can get to it and make it shine There are a lot of effects fonts shapes etc

You can get rid of red eye improve skin tone and more You have to kind of understand what yoursquore doing to use FotoFlexer well

gimporg

This is a fully featured graphics software comparable to Photoshop Itrsquos free open-source software that has al l the features that any professional editing software should have It can be used with Windows Mac and Linux There are many different plug-ins available such as a Photoshop overlay in case yoursquore used to working with graphics software that looks like Photoshop along with the abi l i ty to use Photoshop plug-ins Plus there is plenty of documentation and help a v a i l a b l e w i t h i n t h e G i m p community

CorelDRAW Graphics Suite

If you use a Windows PC then this software will work fine for you to edit images and vectors The suite has a vector and illustration program as well as photo paint for editing images Along with the website creator screen capture utility and a few other features this graphics software is for those who donrsquot need all the bells and whistles that is involved in Adobe There are many video tutorials that come along with this software

Adobe Creative Cloud

By signing up for a membership plan you can have access to any creative tool that you will ever need Through creative cloud yoursquoll have full versions of Photoshop Illustrator InDesign Dreamweaver After Effects Adobe Premiere Pro Adobe Muse and more You can work from any computer from any place as long as you have an internet connection But you can also use the programs on your desktop when you donrsquot have a connection

There really isnrsquot anything you cannot do with Adobe Creative Cloud It is not free though there are membership plans that start with a free 30-day trial and go up to 75 dollars per month There are even plans for teams and businesses

If you need to edit graphics and create graphics try out a few of these different graphics software options to see what works best for your needs Donrsquot be afraid of ldquofreerdquo Sometimes free can be the best of both worlds But if you are a graphic designer also donrsquot be afraid to spend money on what you need to ensure you get great support and products that are always available to you

Awesome Graphics Software by Lauren Perrow from Creative Ground amp iPressAhead

Manipulating graphics is a fun pastime and can even become a profitable venture if you know where to find the right tools Today there are so many different software applications to choose from You can find anything from high-end and expensive graphics software to fully functional but free graphics software

Here are a few to try out

pixlrcom

This is a completely free photo editor that lets you do all kinds of things to your graphics and photos You can even use this software on your phone or tablet computer It takes a bit of practice to get it to work but itrsquos relatively simple so that anyone can figure it out You can even make up a picture using the different features on Pixlr such as overlays stickers and more

FotoFlexercom

T h e p o p - u p a d s c a n b e a distraction here but FotoFlexercom is a very advanced online image editor You can use it to edit images that are already on Photobucket in Facebook Flickr MySpace and more So even if the image is not on your computer to upload you can get to it and make it shine There are a lot of effects fonts shapes etc

You can get rid of red eye improve skin tone and more You have to kind of understand what yoursquore doing to use FotoFlexer well

gimporg

This is a fully featured graphics software comparable to Photoshop Itrsquos free open-source software that has al l the features that any professional editing software should have It can be used with Windows Mac and Linux There are many different plug-ins available such as a Photoshop overlay in case yoursquore used to working with graphics software that looks like Photoshop along with the abi l i ty to use Photoshop plug-ins Plus there is plenty of documentation and help a v a i l a b l e w i t h i n t h e G i m p community

CorelDRAW Graphics Suite

If you use a Windows PC then this software will work fine for you to edit images and vectors The suite has a vector and illustration program as well as photo paint for editing images Along with the website creator screen capture utility and a few other features this graphics software is for those who donrsquot need all the bells and whistles that is involved in Adobe There are many video tutorials that come along with this software

Adobe Creative Cloud

By signing up for a membership plan you can have access to any creative tool that you will ever need Through creative cloud yoursquoll have full versions of Photoshop Illustrator InDesign Dreamweaver After Effects Adobe Premiere Pro Adobe Muse and more You can work from any computer from any place as long as you have an internet connection But you can also use the programs on your desktop when you donrsquot have a connection

There really isnrsquot anything you cannot do with Adobe Creative Cloud It is not free though there are membership plans that start with a free 30-day trial and go up to 75 dollars per month There are even plans for teams and businesses

If you need to edit graphics and create graphics try out a few of these different graphics software options to see what works best for your needs Donrsquot be afraid of ldquofreerdquo Sometimes free can be the best of both worlds But if you are a graphic designer also donrsquot be afraid to spend money on what you need to ensure you get great support and products that are always available to you

Awesome Graphics Software by Lauren Perrow from Creative Ground amp iPressAhead

AFFINITY MAGAZINE

Affinity LIFESTYLE amp ENTERTAINMENT

Some exciting newshellip

The exciting news is only the beginning with the continued growth of our Dining amp Wining Directory Aff inity Al l iance is certainly expanding in leaps and bounds

Adding up to 6000 more restaurants to our Dining Directory

Thanks to our dedicated team members Affinity Alliance has been able to offer our members more value for money than we could ever imagine The new Dining amp Wining Directory is available in your Generic Member Directory or to view via your allocated login details With so many additions it has been a work in progress but we know yoursquore going to love it

About the Dining Directory

Restaurants Cafes and Bistros from all over Australia amp NZ have become involved in what we can only describe as colossal It has been a huge work in progress but

we can now start to see the light at the end of the tunnel Members will be able to show their Affinity Alliance Membership Card or Virtual card at participating restaurants and venues to receive their discounted offer The online directory will make it easier for members to search state by state and dine at their favourite little bistro cafe or fine dining venue

Become Involved

If you own a restaurant or venue and you feel that this is an opportunity not to be missed then you would be right The Affinity

Alliance team is awaiting your submission The requirements are simple and the return is great There is no cost involved All that we ask is that you can offer an exclusive discountbenefit or service to our members upon dining at your venue It really is that simple

We will even set up your webpage and directory page if required

Not only will you receive a full page in the AA Dining amp Wining Directory you will also receive a full page on the Affinity Alliance website

wwwaffinityalliancecocomau

a n d r e g u l a r m o n t h l y advertisements in our Affinity EMAG and infinite exposure to our 500000 strong member database

This is a FREE offer and one that is ending by April 1 so best you get in early as submissions will be closing at the end of March 30

For more information on how you can become a part of the Affinity Alliance Dining amp Wining Directory Contact our head office on

1300 793 044 or email your request to adminaffinityalliancecocomau and we will email you the requirements

Affinity DINING Choose from over 6000 Restaurants across Australia amp New Zealandhellip

ldquoAdd your Restaurant to our Dining Directory and get more exposurerdquo

AFFINITY MAGAZINE

Affinity LIFESTYLE amp ENTERTAINMENT

Some exciting newshellip

The exciting news is only the beginning with the continued growth of our Dining amp Wining Directory Aff inity Al l iance is certainly expanding in leaps and bounds

Adding up to 6000 more restaurants to our Dining Directory

Thanks to our dedicated team members Affinity Alliance has been able to offer our members more value for money than we could ever imagine The new Dining amp Wining Directory is available in your Generic Member Directory or to view via your allocated login details With so many additions it has been a work in progress but we know yoursquore going to love it

About the Dining Directory

Restaurants Cafes and Bistros from all over Australia amp NZ have become involved in what we can only describe as colossal It has been a huge work in progress but

we can now start to see the light at the end of the tunnel Members will be able to show their Affinity Alliance Membership Card or Virtual card at participating restaurants and venues to receive their discounted offer The online directory will make it easier for members to search state by state and dine at their favourite little bistro cafe or fine dining venue

Become Involved

If you own a restaurant or venue and you feel that this is an opportunity not to be missed then you would be right The Affinity

Alliance team is awaiting your submission The requirements are simple and the return is great There is no cost involved All that we ask is that you can offer an exclusive discountbenefit or service to our members upon dining at your venue It really is that simple

We will even set up your webpage and directory page if required

Not only will you receive a full page in the AA Dining amp Wining Directory you will also receive a full page on the Affinity Alliance website

wwwaffinityalliancecocomau

a n d r e g u l a r m o n t h l y advertisements in our Affinity EMAG and infinite exposure to our 500000 strong member database

This is a FREE offer and one that is ending by April 1 so best you get in early as submissions will be closing at the end of March 30

For more information on how you can become a part of the Affinity Alliance Dining amp Wining Directory Contact our head office on

1300 793 044 or email your request to adminaffinityalliancecocomau and we will email you the requirements

Affinity DINING Choose from over 6000 Restaurants across Australia amp New Zealandhellip

ldquoAdd your Restaurant to our Dining Directory and get more exposurerdquo

AFFINITY MAGAZINE

Some exciting newshellip

The exciting news is only the beginning with the continued growth of our Dining amp Wining Directory Aff inity Al l iance is certainly expanding in leaps and bounds

Adding up to 6000 more restaurants to our Dining Directory

Thanks to our dedicated team members Affinity Alliance has been able to offer our members more value for money than we could ever imagine The new Dining amp Wining Directory is available in your Generic Member Directory or to view via your allocated login details With so many additions it has been a work in progress but we know yoursquore going to love it

About the Dining Directory

Restaurants Cafes and Bistros from all over Australia amp NZ have become involved in what we can only describe as colossal It has been a huge work in progress but

we can now start to see the light at the end of the tunnel Members will be able to show their Affinity Alliance Membership Card or Virtual card at participating restaurants and venues to receive their discounted offer The online directory will make it easier for members to search state by state and dine at their favourite little bistro cafe or fine dining venue

Become Involved

If you own a restaurant or venue and you feel that this is an opportunity not to be missed then you would be right The Affinity

Alliance team is awaiting your submission The requirements are simple and the return is great There is no cost involved All that we ask is that you can offer an exclusive discountbenefit or service to our members upon dining at your venue It really is that simple

We will even set up your webpage and directory page if required

Not only will you receive a full page in the AA Dining amp Wining Directory you will also receive a full page on the Affinity Alliance website

wwwaffinityalliancecocomau

a n d r e g u l a r m o n t h l y advertisements in our Affinity EMAG and infinite exposure to our 500000 strong member database

This is a FREE offer and one that is ending by April 1 so best you get in early as submissions will be closing at the end of March 30

For more information on how you can become a part of the Affinity Alliance Dining amp Wining Directory Contact our head office on

1300 793 044 or email your request to adminaffinityalliancecocomau and we will email you the requirements

Affinity DINING Choose from over 6000 Restaurants across Australia amp New Zealandhellip

ldquoAdd your Restaurant to our Dining Directory and get more exposurerdquo

AFFINITY MAGAZINE

Affinity NETWORKING

5 Tips to Build A Brand in 2015 Owen Shapiro - The Networking Business Directory

AFFINITY MAGAZINE

For the past seventy years business branding has been largely guided by principles developed in the 1950s and 1960s when there were only three television networks messaging through advertising was easy to control and information flowed from a few trusted news sources to millions of people

This one-to-many model of information flow has been upended since the advent of the Internet and social media Now information flows in millions of different directions at oncemdashto from and by people all over the globemdashin an all-to-all free-for-all for eyeballs and market share Some of the well-established rules of branding still apply in this new hyper-connected environment But that doesnt change the fact that building and differentiating a brand is harder than ever and will only prove even tougher in 2015

In the coming year the technological connectedness of everyone on Earth will reach a level never before experienced by humanity The old rules dont apply in this world New rules must be developed

Here are a few to start with

Be Worthy Of Your Customers Trust At its core effective branding is about a consistent connection between a company its products and its promise to customers No matter what physical product or service you sell your true product is trust On the Internet trust in a brand can be destroyed in an instant so safeguarding it is of paramount importance The good news for serious brands is that because the Internet is so full of scams half-truths and outright lies people will continue to look to brands as a trusted resource Earn their trustmdashthen work every day as hard as you can to keep it

Dont Just Avoid EvilmdashDo Good Googles infamous tag line Dont be evil is not the same thing as Do be goodmdashand the latter is a much better motto to live by Young people particularly Millennials and the generation after them Digital Natives like their consumption to reflect their values More often than not they make buying decisions based on what certain brands stand for whether its environmental friendliness (Prius) fair-wage pay (Costco) LGBT equality (Kellogg) sustainable energy (3M) or whatever Spin will only get you so far thoughmdashat some point it has to be backed up by honest well-intentioned action The world is full of cheaters and liars Dont be one of them

Fewer Memes More Me

Because messaging can no longer be controlled by the messenger brands have had to figure out how to get customers themselves to spread the word One of the most effective ways to do this is through a meme that grabs peoples imaginationmdashsuch as the Ice Bucket

Challengemdashand goes viral Modern marketers spend a great deal of time trying to figure out how to create successful memes Some work but most dont because the nature of memes is that they are spontaneous and unpredictable

So-called meme-marketing is still in its infancy but it is already giving way to a more me-oriented form of messaging the sort of super-targeted hyper-personalized messaging that is becoming possible with the convergence of Big Data artificial intelligence and ubiquitous mobile and personal devices of all kinds There will always be a place on the Internet for absurd humor but Big Data allows companies to understand and connect with each individual customer in ever more intimate ways In turn each of those customers has unprecedented control over the messages they receive Memes may work for a long time to come but more me is what people really want Learn how to give it to them

Comfort The Afflicted The speed of technological and cultural change people are experiencing today isnt just mind-bogglingmdashits disorienting and for some people quite scary The world they used to know is disappearing and the world that is replacing it isnt always reassuring Time-tested brands can often serve as psychological anchors in turbulent times People are creatures of habit and they seek out comfort particularly when they are uncomfortable Brands that can provide that comfort (Campbells LL Bean) or serve as signposts to a better future (Charles Schwab Apple) will continue to attract loyal customers even as the retail marketplace continues to fragment and choices multiply Sometimes the tried and true is the only thing people will try

Share Dont Sell All social-media platforms in existence today rely upon one basic principle people like to share Brands too can benefit from sharingmdashbut many are still too focused on selling Sharing for brands means connecting customers with information ideas and resources that can help customers improve their lives The selling is done by associating the brand with related networks of information that may or may not have much to do with the brands products The term of art for this approach is curated content but its really about offering help to people in ways that dont feel like a direct sales pitchmdashbecause they arent Theyre just useful pieces of information that you gave them with no strings attachedmdashand for that they will remember you all the way into 2016

Affinity FUNDRAISING

Affinity Fundraising introduces ldquoThe Ambassador Programrdquo

Affinity Alliance has now introduced a Fundraising Program which is suitable for Schools Sporting Clubs Charities and Private Fundraisers

Why Affinity Fundraising

We are the new Rewards program with massive incentives with the potential to profit $3500 There are no upfront costs and your campaign is easy and provides a 66 return

PLUS $500 bonus for every 100 memberships sold

PLUS for every membership sold members will receive 1 entry into the end of year raffle

Prizes

bull 1st prize ndash $2000 travel voucher

bull 2nd prize ndash $1000 Woolworths voucher

bull 3rd prize ndash $500 Caltex Petrol Voucher

Affinity Alliance has partnered with Givematcher which enables Charities amp Non-for-Profit Organisations the opportunity to double their fundraising efforts with our program

Givematcher wil l match businesses and philanthropists to your Charity or Non-for-Profit which will double the $30 your member has donated

Our mission and Givematcherrsquos mission is to help charities acquire new donors and corporate donors and to drive higher donations

How does it work

Affinity Alliance will support your fundraising campaign with promotional material fundraising tips and continued support to help your campaign be successful

All you need to do is promote the campaign to your database Memberships are only $45 with $30 going towards your fundraising efforts If 100 memberships are sold your campaign will receive a bonus of $500 potentially raising $3500 Memberships can be purchased online which saves your volunteers the stress of organisation Itrsquos a simple program with massive rewards

The Affinity Fundraising program is an online directory offering members exclusive deals to over 3000 plus providers Australia wide and in your local area We have thousands of dollars worth of deals for our members and the number of our providers are increasing monthly

AFFINITY MAGAZINE

ldquoAMBASSADORrdquoFUNDRAISING

We have thousands of dollars worth of deals for our members and the number of our providers are increasing monthly Some of our current providers include Woolworths Caltex Hoyts OPSM Dick Smith Coles Officeworks Harvey Norman Zanui Petals Network Qantas Club Virgin Lounge and much more We have chosen providers that offer exclusive benefits from selected professionals to bring your clients (members) the best products and services We offer brand name benefits without the brand name price tag Our program offers something for everyone

No coupons and the majority of our offers continue throughout the year

Members will gain

bull Discounted Travel amp Accommodation up to 70

bull Discounted Shopping Facilities

bull Discounted Fuel Offers

bull Car Acquisition Services

bull Discounted Dining and Entertainment

bull Discounted Health Insurance

bull Discounted Professional Services

bull Discounted Merchant amp Financial Services

and so much morehellip

Our Mission is to assist you with all facets of fundraising

bull We will provide you with your own personal account manager who will create all promotional material tailored to your fundraising event They will help you with sales tips and direct you to make the most out of your fundraiser

bull You will have your own personal website page so your clients can purchase a membership under your fundraising event

bull We will promote your fundraising event on social media

bull Our discounts are offered by either shopping online or by showing your Virtual Membership Card to the retail provider Shopping online all members will need to login before they start shopping

bull Our search engine will also assist members in locating the product or service they need Australia wide or in their local area

To REGISTER your interest please call Danielle on 0409 968 831 or email danielleaffinityalliancecocomau

AMBASSADOR PROGRAM

Does your business donate to support your Community

Become an Ambassador for the Affinity Fundraising Program and be rewarded whilst supporting your Community

As an ambassador you will be sponsoring 100 fundraising programs throughout Australia with schools sporting clubs or charities

Your logo will be placed on potentially 30000 Reward Cards the Affinity Alliance website and the Affinity Emagazine distributed to over 600000 plus social media exposure

Reward cards are purchased for $45 by members of the community who are supporting a school sporting club or charity with our fundraising program with $30 returned to their fundraising cause

If a fundraising cause sells 100 cards they receive a bonus of $500 This program could potentially help raise over $3500 for each fundraiser

You cannot miss this opportunity to be promoted to potentially 30000 reward card holders

To become an Ambassador please contact Danielle on 0409 968 831 or email for further information

AFFINITY MAGAZINE

5 Tips to Build A Brand in 2015 Owen Shapiro - The Networking Business Directory

AFFINITY MAGAZINE

For the past seventy years business branding has been largely guided by principles developed in the 1950s and 1960s when there were only three television networks messaging through advertising was easy to control and information flowed from a few trusted news sources to millions of people

This one-to-many model of information flow has been upended since the advent of the Internet and social media Now information flows in millions of different directions at oncemdashto from and by people all over the globemdashin an all-to-all free-for-all for eyeballs and market share Some of the well-established rules of branding still apply in this new hyper-connected environment But that doesnt change the fact that building and differentiating a brand is harder than ever and will only prove even tougher in 2015

In the coming year the technological connectedness of everyone on Earth will reach a level never before experienced by humanity The old rules dont apply in this world New rules must be developed

Here are a few to start with

Be Worthy Of Your Customers Trust At its core effective branding is about a consistent connection between a company its products and its promise to customers No matter what physical product or service you sell your true product is trust On the Internet trust in a brand can be destroyed in an instant so safeguarding it is of paramount importance The good news for serious brands is that because the Internet is so full of scams half-truths and outright lies people will continue to look to brands as a trusted resource Earn their trustmdashthen work every day as hard as you can to keep it

Dont Just Avoid EvilmdashDo Good Googles infamous tag line Dont be evil is not the same thing as Do be goodmdashand the latter is a much better motto to live by Young people particularly Millennials and the generation after them Digital Natives like their consumption to reflect their values More often than not they make buying decisions based on what certain brands stand for whether its environmental friendliness (Prius) fair-wage pay (Costco) LGBT equality (Kellogg) sustainable energy (3M) or whatever Spin will only get you so far thoughmdashat some point it has to be backed up by honest well-intentioned action The world is full of cheaters and liars Dont be one of them

Fewer Memes More Me

Because messaging can no longer be controlled by the messenger brands have had to figure out how to get customers themselves to spread the word One of the most effective ways to do this is through a meme that grabs peoples imaginationmdashsuch as the Ice Bucket

Challengemdashand goes viral Modern marketers spend a great deal of time trying to figure out how to create successful memes Some work but most dont because the nature of memes is that they are spontaneous and unpredictable

So-called meme-marketing is still in its infancy but it is already giving way to a more me-oriented form of messaging the sort of super-targeted hyper-personalized messaging that is becoming possible with the convergence of Big Data artificial intelligence and ubiquitous mobile and personal devices of all kinds There will always be a place on the Internet for absurd humor but Big Data allows companies to understand and connect with each individual customer in ever more intimate ways In turn each of those customers has unprecedented control over the messages they receive Memes may work for a long time to come but more me is what people really want Learn how to give it to them

Comfort The Afflicted The speed of technological and cultural change people are experiencing today isnt just mind-bogglingmdashits disorienting and for some people quite scary The world they used to know is disappearing and the world that is replacing it isnt always reassuring Time-tested brands can often serve as psychological anchors in turbulent times People are creatures of habit and they seek out comfort particularly when they are uncomfortable Brands that can provide that comfort (Campbells LL Bean) or serve as signposts to a better future (Charles Schwab Apple) will continue to attract loyal customers even as the retail marketplace continues to fragment and choices multiply Sometimes the tried and true is the only thing people will try

Share Dont Sell All social-media platforms in existence today rely upon one basic principle people like to share Brands too can benefit from sharingmdashbut many are still too focused on selling Sharing for brands means connecting customers with information ideas and resources that can help customers improve their lives The selling is done by associating the brand with related networks of information that may or may not have much to do with the brands products The term of art for this approach is curated content but its really about offering help to people in ways that dont feel like a direct sales pitchmdashbecause they arent Theyre just useful pieces of information that you gave them with no strings attachedmdashand for that they will remember you all the way into 2016

Affinity FUNDRAISING

Affinity Fundraising introduces ldquoThe Ambassador Programrdquo

Affinity Alliance has now introduced a Fundraising Program which is suitable for Schools Sporting Clubs Charities and Private Fundraisers

Why Affinity Fundraising

We are the new Rewards program with massive incentives with the potential to profit $3500 There are no upfront costs and your campaign is easy and provides a 66 return

PLUS $500 bonus for every 100 memberships sold

PLUS for every membership sold members will receive 1 entry into the end of year raffle

Prizes

bull 1st prize ndash $2000 travel voucher

bull 2nd prize ndash $1000 Woolworths voucher

bull 3rd prize ndash $500 Caltex Petrol Voucher

Affinity Alliance has partnered with Givematcher which enables Charities amp Non-for-Profit Organisations the opportunity to double their fundraising efforts with our program

Givematcher wil l match businesses and philanthropists to your Charity or Non-for-Profit which will double the $30 your member has donated

Our mission and Givematcherrsquos mission is to help charities acquire new donors and corporate donors and to drive higher donations

How does it work

Affinity Alliance will support your fundraising campaign with promotional material fundraising tips and continued support to help your campaign be successful

All you need to do is promote the campaign to your database Memberships are only $45 with $30 going towards your fundraising efforts If 100 memberships are sold your campaign will receive a bonus of $500 potentially raising $3500 Memberships can be purchased online which saves your volunteers the stress of organisation Itrsquos a simple program with massive rewards

The Affinity Fundraising program is an online directory offering members exclusive deals to over 3000 plus providers Australia wide and in your local area We have thousands of dollars worth of deals for our members and the number of our providers are increasing monthly

AFFINITY MAGAZINE

ldquoAMBASSADORrdquoFUNDRAISING

We have thousands of dollars worth of deals for our members and the number of our providers are increasing monthly Some of our current providers include Woolworths Caltex Hoyts OPSM Dick Smith Coles Officeworks Harvey Norman Zanui Petals Network Qantas Club Virgin Lounge and much more We have chosen providers that offer exclusive benefits from selected professionals to bring your clients (members) the best products and services We offer brand name benefits without the brand name price tag Our program offers something for everyone

No coupons and the majority of our offers continue throughout the year

Members will gain

bull Discounted Travel amp Accommodation up to 70

bull Discounted Shopping Facilities

bull Discounted Fuel Offers

bull Car Acquisition Services

bull Discounted Dining and Entertainment

bull Discounted Health Insurance

bull Discounted Professional Services

bull Discounted Merchant amp Financial Services

and so much morehellip

Our Mission is to assist you with all facets of fundraising

bull We will provide you with your own personal account manager who will create all promotional material tailored to your fundraising event They will help you with sales tips and direct you to make the most out of your fundraiser

bull You will have your own personal website page so your clients can purchase a membership under your fundraising event

bull We will promote your fundraising event on social media

bull Our discounts are offered by either shopping online or by showing your Virtual Membership Card to the retail provider Shopping online all members will need to login before they start shopping

bull Our search engine will also assist members in locating the product or service they need Australia wide or in their local area

To REGISTER your interest please call Danielle on 0409 968 831 or email danielleaffinityalliancecocomau

AMBASSADOR PROGRAM

Does your business donate to support your Community

Become an Ambassador for the Affinity Fundraising Program and be rewarded whilst supporting your Community

As an ambassador you will be sponsoring 100 fundraising programs throughout Australia with schools sporting clubs or charities

Your logo will be placed on potentially 30000 Reward Cards the Affinity Alliance website and the Affinity Emagazine distributed to over 600000 plus social media exposure

Reward cards are purchased for $45 by members of the community who are supporting a school sporting club or charity with our fundraising program with $30 returned to their fundraising cause

If a fundraising cause sells 100 cards they receive a bonus of $500 This program could potentially help raise over $3500 for each fundraiser

You cannot miss this opportunity to be promoted to potentially 30000 reward card holders

To become an Ambassador please contact Danielle on 0409 968 831 or email for further information

AFFINITY MAGAZINE

Affinity FUNDRAISING

Affinity Fundraising introduces ldquoThe Ambassador Programrdquo

Affinity Alliance has now introduced a Fundraising Program which is suitable for Schools Sporting Clubs Charities and Private Fundraisers

Why Affinity Fundraising

We are the new Rewards program with massive incentives with the potential to profit $3500 There are no upfront costs and your campaign is easy and provides a 66 return

PLUS $500 bonus for every 100 memberships sold

PLUS for every membership sold members will receive 1 entry into the end of year raffle

Prizes

bull 1st prize ndash $2000 travel voucher

bull 2nd prize ndash $1000 Woolworths voucher

bull 3rd prize ndash $500 Caltex Petrol Voucher

Affinity Alliance has partnered with Givematcher which enables Charities amp Non-for-Profit Organisations the opportunity to double their fundraising efforts with our program

Givematcher wil l match businesses and philanthropists to your Charity or Non-for-Profit which will double the $30 your member has donated

Our mission and Givematcherrsquos mission is to help charities acquire new donors and corporate donors and to drive higher donations

How does it work

Affinity Alliance will support your fundraising campaign with promotional material fundraising tips and continued support to help your campaign be successful

All you need to do is promote the campaign to your database Memberships are only $45 with $30 going towards your fundraising efforts If 100 memberships are sold your campaign will receive a bonus of $500 potentially raising $3500 Memberships can be purchased online which saves your volunteers the stress of organisation Itrsquos a simple program with massive rewards

The Affinity Fundraising program is an online directory offering members exclusive deals to over 3000 plus providers Australia wide and in your local area We have thousands of dollars worth of deals for our members and the number of our providers are increasing monthly

AFFINITY MAGAZINE

ldquoAMBASSADORrdquoFUNDRAISING

We have thousands of dollars worth of deals for our members and the number of our providers are increasing monthly Some of our current providers include Woolworths Caltex Hoyts OPSM Dick Smith Coles Officeworks Harvey Norman Zanui Petals Network Qantas Club Virgin Lounge and much more We have chosen providers that offer exclusive benefits from selected professionals to bring your clients (members) the best products and services We offer brand name benefits without the brand name price tag Our program offers something for everyone

No coupons and the majority of our offers continue throughout the year

Members will gain

bull Discounted Travel amp Accommodation up to 70

bull Discounted Shopping Facilities

bull Discounted Fuel Offers

bull Car Acquisition Services

bull Discounted Dining and Entertainment

bull Discounted Health Insurance

bull Discounted Professional Services

bull Discounted Merchant amp Financial Services

and so much morehellip

Our Mission is to assist you with all facets of fundraising

bull We will provide you with your own personal account manager who will create all promotional material tailored to your fundraising event They will help you with sales tips and direct you to make the most out of your fundraiser

bull You will have your own personal website page so your clients can purchase a membership under your fundraising event

bull We will promote your fundraising event on social media

bull Our discounts are offered by either shopping online or by showing your Virtual Membership Card to the retail provider Shopping online all members will need to login before they start shopping

bull Our search engine will also assist members in locating the product or service they need Australia wide or in their local area

To REGISTER your interest please call Danielle on 0409 968 831 or email danielleaffinityalliancecocomau

AMBASSADOR PROGRAM

Does your business donate to support your Community

Become an Ambassador for the Affinity Fundraising Program and be rewarded whilst supporting your Community

As an ambassador you will be sponsoring 100 fundraising programs throughout Australia with schools sporting clubs or charities

Your logo will be placed on potentially 30000 Reward Cards the Affinity Alliance website and the Affinity Emagazine distributed to over 600000 plus social media exposure

Reward cards are purchased for $45 by members of the community who are supporting a school sporting club or charity with our fundraising program with $30 returned to their fundraising cause

If a fundraising cause sells 100 cards they receive a bonus of $500 This program could potentially help raise over $3500 for each fundraiser

You cannot miss this opportunity to be promoted to potentially 30000 reward card holders

To become an Ambassador please contact Danielle on 0409 968 831 or email for further information

AFFINITY MAGAZINE

Affinity Fundraising introduces ldquoThe Ambassador Programrdquo

Affinity Alliance has now introduced a Fundraising Program which is suitable for Schools Sporting Clubs Charities and Private Fundraisers

Why Affinity Fundraising

We are the new Rewards program with massive incentives with the potential to profit $3500 There are no upfront costs and your campaign is easy and provides a 66 return

PLUS $500 bonus for every 100 memberships sold

PLUS for every membership sold members will receive 1 entry into the end of year raffle

Prizes

bull 1st prize ndash $2000 travel voucher

bull 2nd prize ndash $1000 Woolworths voucher

bull 3rd prize ndash $500 Caltex Petrol Voucher

Affinity Alliance has partnered with Givematcher which enables Charities amp Non-for-Profit Organisations the opportunity to double their fundraising efforts with our program

Givematcher wil l match businesses and philanthropists to your Charity or Non-for-Profit which will double the $30 your member has donated

Our mission and Givematcherrsquos mission is to help charities acquire new donors and corporate donors and to drive higher donations

How does it work

Affinity Alliance will support your fundraising campaign with promotional material fundraising tips and continued support to help your campaign be successful

All you need to do is promote the campaign to your database Memberships are only $45 with $30 going towards your fundraising efforts If 100 memberships are sold your campaign will receive a bonus of $500 potentially raising $3500 Memberships can be purchased online which saves your volunteers the stress of organisation Itrsquos a simple program with massive rewards

The Affinity Fundraising program is an online directory offering members exclusive deals to over 3000 plus providers Australia wide and in your local area We have thousands of dollars worth of deals for our members and the number of our providers are increasing monthly

AFFINITY MAGAZINE

ldquoAMBASSADORrdquoFUNDRAISING

We have thousands of dollars worth of deals for our members and the number of our providers are increasing monthly Some of our current providers include Woolworths Caltex Hoyts OPSM Dick Smith Coles Officeworks Harvey Norman Zanui Petals Network Qantas Club Virgin Lounge and much more We have chosen providers that offer exclusive benefits from selected professionals to bring your clients (members) the best products and services We offer brand name benefits without the brand name price tag Our program offers something for everyone

No coupons and the majority of our offers continue throughout the year

Members will gain

bull Discounted Travel amp Accommodation up to 70

bull Discounted Shopping Facilities

bull Discounted Fuel Offers

bull Car Acquisition Services

bull Discounted Dining and Entertainment

bull Discounted Health Insurance

bull Discounted Professional Services

bull Discounted Merchant amp Financial Services

and so much morehellip

Our Mission is to assist you with all facets of fundraising

bull We will provide you with your own personal account manager who will create all promotional material tailored to your fundraising event They will help you with sales tips and direct you to make the most out of your fundraiser

bull You will have your own personal website page so your clients can purchase a membership under your fundraising event

bull We will promote your fundraising event on social media

bull Our discounts are offered by either shopping online or by showing your Virtual Membership Card to the retail provider Shopping online all members will need to login before they start shopping

bull Our search engine will also assist members in locating the product or service they need Australia wide or in their local area

To REGISTER your interest please call Danielle on 0409 968 831 or email danielleaffinityalliancecocomau

AMBASSADOR PROGRAM

Does your business donate to support your Community

Become an Ambassador for the Affinity Fundraising Program and be rewarded whilst supporting your Community

As an ambassador you will be sponsoring 100 fundraising programs throughout Australia with schools sporting clubs or charities

Your logo will be placed on potentially 30000 Reward Cards the Affinity Alliance website and the Affinity Emagazine distributed to over 600000 plus social media exposure

Reward cards are purchased for $45 by members of the community who are supporting a school sporting club or charity with our fundraising program with $30 returned to their fundraising cause

If a fundraising cause sells 100 cards they receive a bonus of $500 This program could potentially help raise over $3500 for each fundraiser

You cannot miss this opportunity to be promoted to potentially 30000 reward card holders

To become an Ambassador please contact Danielle on 0409 968 831 or email for further information

AFFINITY MAGAZINE

We have thousands of dollars worth of deals for our members and the number of our providers are increasing monthly Some of our current providers include Woolworths Caltex Hoyts OPSM Dick Smith Coles Officeworks Harvey Norman Zanui Petals Network Qantas Club Virgin Lounge and much more We have chosen providers that offer exclusive benefits from selected professionals to bring your clients (members) the best products and services We offer brand name benefits without the brand name price tag Our program offers something for everyone

No coupons and the majority of our offers continue throughout the year

Members will gain

bull Discounted Travel amp Accommodation up to 70

bull Discounted Shopping Facilities

bull Discounted Fuel Offers

bull Car Acquisition Services

bull Discounted Dining and Entertainment

bull Discounted Health Insurance

bull Discounted Professional Services

bull Discounted Merchant amp Financial Services

and so much morehellip

Our Mission is to assist you with all facets of fundraising

bull We will provide you with your own personal account manager who will create all promotional material tailored to your fundraising event They will help you with sales tips and direct you to make the most out of your fundraiser

bull You will have your own personal website page so your clients can purchase a membership under your fundraising event

bull We will promote your fundraising event on social media

bull Our discounts are offered by either shopping online or by showing your Virtual Membership Card to the retail provider Shopping online all members will need to login before they start shopping

bull Our search engine will also assist members in locating the product or service they need Australia wide or in their local area

To REGISTER your interest please call Danielle on 0409 968 831 or email danielleaffinityalliancecocomau

AMBASSADOR PROGRAM

Does your business donate to support your Community

Become an Ambassador for the Affinity Fundraising Program and be rewarded whilst supporting your Community

As an ambassador you will be sponsoring 100 fundraising programs throughout Australia with schools sporting clubs or charities

Your logo will be placed on potentially 30000 Reward Cards the Affinity Alliance website and the Affinity Emagazine distributed to over 600000 plus social media exposure

Reward cards are purchased for $45 by members of the community who are supporting a school sporting club or charity with our fundraising program with $30 returned to their fundraising cause

If a fundraising cause sells 100 cards they receive a bonus of $500 This program could potentially help raise over $3500 for each fundraiser

You cannot miss this opportunity to be promoted to potentially 30000 reward card holders

To become an Ambassador please contact Danielle on 0409 968 831 or email for further information

AFFINITY MAGAZINE

Affinity HEALTH amp WELLBEING

Dont ldquoFALLrdquo behind with the change of season by Michelle OrsquoHara - Your Corporate Lifestyle

Autumn (the beginning of March) represents a new season a transition period It starts to get dark earlier and the temperature begins to cool considerably

From a business perspective statistics show that sales tend to slow during the cooler months (unless you sell winter clothing of course) in comparison to the summer months Based on this here are some tips our Sassiologists can give you to boost yourself and your Staff up to ensure you sail through the cooler winter months rather than ldquoFALLrdquo flat on your face business wise

Different Choices - Different Results from our Pocket Rocket Coach - Debbie Hogg

ldquoThe choices you make in life will make your liferdquo

Michael Josephson

We may find ourselves struggling at times and feeling alone We may even consider where we went wrong if indeed we have gone wrong or wonder if this too shall pass We contemplate our thoughts about wanting to have a life where we just want to be happy content and have things run calmly in life We can find ourselves sometimes tackling the thoughts of being trapped in the sameness of every day It is when we are caught up in these thoughts that nothing will change and we continue to go around and around day after day month after month doing what we always do We can feel tired drained annoyed upset sad frustrated and often lost

We then look for things to blame we sometimes even blame other people and this pushes us further into a state of lsquopoor mersquo Choosing to stay in this state of unhappiness will not serve us and we are well advised to consider turning our attitude around if we donrsquot we will get sick If we are sick we are unable to do our job to the best of our ability unable to support our family

the way we want to unable to be the role model we want to be to our children and more

Is it possible to move on from this unproductive space Yes it is It is a little challenging to do something different to change our behaviour Yes it can be Will it be worth the effort to make different choices to have a result that is aligned with what we want from life Yes it is Now the next step is choosing to do something different

If we truly want to have a more positive and productive attitude that will serve us differently creating healthier behaviour giving us better results in our life there are many things we can do to start our journey Some of these may include the following

bull Make the choice to make a change get support from a friend partner neighbour andor coach

bull Surround ourselves with positive supportive people lsquoBirds of a Feather Flock Togetherrsquo

bull Listen to inspirational people Wayne Dyer Sonia Choquette Louise Hay Gregg Braden etc

bull Seek medical help if we feel this is what is required

bull Work with a coach for focus support and accountability

bull Do workshops outdoor activities a weekend retreat meditation or something new

bull Take time out for lsquoourSELFrsquo reconnection is important

bull Call a long lost friend and say hello

bull Go for coffee with a friend

bull Purchase a bunch of flowers this will lift our spirits

bull Hire a cleaner gardner or someone who can help us out to take the pressure off

bull Book a weekend away or a holiday - alone or with the family

bull Arrange a date night and reconnect with our partner - get intimate

bull Join a membership club for support

bull Start a bucket list

bull Itrsquos important to get clear on what we truly want to have in our life By taking one small step in doing something different it will start to change our way Enjoy the journey

ldquoYou can make your own choicesrdquo Eating your way into the new season

from our Personal trainer - Kaylene Gray

Dont ldquoFALLrdquo behind with the change of season by Michelle OrsquoHara - Your Corporate Lifestyle

Autumn (the beginning of March) represents a new season a transition period It starts to get dark earlier and the temperature begins to cool considerably

From a business perspective statistics show that sales tend to slow during the cooler months (unless you sell winter clothing of course) in comparison to the summer months Based on this here are some tips our Sassiologists can give you to boost yourself and your Staff up to ensure you sail through the cooler winter months rather than ldquoFALLrdquo flat on your face business wise

Different Choices - Different Results from our Pocket Rocket Coach - Debbie Hogg

ldquoThe choices you make in life will make your liferdquo

Michael Josephson

We may find ourselves struggling at times and feeling alone We may even consider where we went wrong if indeed we have gone wrong or wonder if this too shall pass We contemplate our thoughts about wanting to have a life where we just want to be happy content and have things run calmly in life We can find ourselves sometimes tackling the thoughts of being trapped in the sameness of every day It is when we are caught up in these thoughts that nothing will change and we continue to go around and around day after day month after month doing what we always do We can feel tired drained annoyed upset sad frustrated and often lost

We then look for things to blame we sometimes even blame other people and this pushes us further into a state of lsquopoor mersquo Choosing to stay in this state of unhappiness will not serve us and we are well advised to consider turning our attitude around if we donrsquot we will get sick If we are sick we are unable to do our job to the best of our ability unable to support our family

the way we want to unable to be the role model we want to be to our children and more

Is it possible to move on from this unproductive space Yes it is It is a little challenging to do something different to change our behaviour Yes it can be Will it be worth the effort to make different choices to have a result that is aligned with what we want from life Yes it is Now the next step is choosing to do something different

If we truly want to have a more positive and productive attitude that will serve us differently creating healthier behaviour giving us better results in our life there are many things we can do to start our journey Some of these may include the following

bull Make the choice to make a change get support from a friend partner neighbour andor coach

bull Surround ourselves with positive supportive people lsquoBirds of a Feather Flock Togetherrsquo

bull Listen to inspirational people Wayne Dyer Sonia Choquette Louise Hay Gregg Braden etc

bull Seek medical help if we feel this is what is required

bull Work with a coach for focus support and accountability

bull Do workshops outdoor activities a weekend retreat meditation or something new

bull Take time out for lsquoourSELFrsquo reconnection is important

bull Call a long lost friend and say hello

bull Go for coffee with a friend

bull Purchase a bunch of flowers this will lift our spirits

bull Hire a cleaner gardner or someone who can help us out to take the pressure off

bull Book a weekend away or a holiday - alone or with the family

bull Arrange a date night and reconnect with our partner - get intimate

bull Join a membership club for support

bull Start a bucket list

bull Itrsquos important to get clear on what we truly want to have in our life By taking one small step in doing something different it will start to change our way Enjoy the journey

ldquoYou can make your own choicesrdquo Eating your way into the new season

from our Personal trainer - Kaylene Gray

Autumn is an exciting time for fresh produce The treats that need a long ripening time over the warmer months are at their best early in the season Watermelons and rockmelons are sweet and juicy Tomatoes are everywhere in colours from black to yellow and sizes from mini to massive Pumpkins and eggplants are readily available and this is the best season to enjoy olives

Autumns fruit basket is varied and delicious Apples are fresh and at their best The harvest starts in mid to late summer with royal galas and continues until May Pears are also at their peak with a variety of flavour options from the early-season soft golden-hued Williams and the ugly bumpy flavourful packhams Figs and grapes are also still really good

As autumn cools lovers of citrus can get sticky fingers over new mandarins grapefruit and the early varieties of navel oranges Lemons are plentiful again

Areas to watch out for to avoid weight gain during the Winter months

1 We tend to feel a little down due to the weather not being the best Dont get out the chocolates and sweets prepare some hearty soups

2 Im cold I feel like a hot pie Avoid these fatty foods and opt for healthier hot options

3 We tend to make excuses to not exercise as much during the Winter months Ensure you set your routines in place and you KEEP THEM this will also help your eating patterns

Consciously change your behaviour during this time of the year can help you to keep off those extra kilos providing you with more energy

Keep your foundations strong (garments that is) from our Professional Bra Stylist - Michelle OHara

I can tell you that I have seen over 6000 women in the last 8 years with completely different shaped bodies different ages different heights different weights And not one of them was exactly the same as any other This is the beauty of the human body

During these cooler months we do tend to exercise less eat more feel a little down and of course that means that when we look in the mirror we are not particularly happy with what we see

I would like you to go away and do one exercise for me for the next 30 days Every day I want you to look in the mirror and I want you to concentrate on something fantastic about your body Whether it be your knobbly knees your gorgeous smile your wobbly bobbly belly it doesnt matter Look in the mirror and tell yourself 3 times how absolutely beautiful it is You will find after the 30 days that you will look at your body differently - I promise you

Now whilst you are getting healthier getting more organised getting warmer you are still going to want to feel sassy EVERY Day

Firstly if you are not the happiest with your body right now you are certainly not alone For centuries women have been trying to squeeze it in squash it down push it up thatrsquos nothing new What needs to be looked at is what undergarments can we utilise to do the job for us whilst we are in the process of getting healthier whilst learning to love ourselves whilst we refresh our wardrobes

Here are some tips 1 Shape wear used to be an occasional piece in our wardrobes its now a staple get some suck me ins Note that shape wear does not have to leave you breathless and is so hard to get on that you break an arm Find something thats perfect for your body

2 A full slip is a given Ensure your material is a microfibre so it breathes for you

3 Get your Bridget Jones undies - they support you they disperse everything and give you a wonderful smooth line

4 Utilise smoothing camisoles under your workshirts for warmth and smoothing

Go from Oh NO oh WOW

Spice up your black wardrobe from our Colour and Clothing Stylist - Moana Robinson

I used to work in a legal office and remember one of my daughters asking whether my uniform was to wear black clothes If you have the right colouring black can look amazing but it can also become boring and uninspiring I said at a recent talk at a gym how everyone would feel if they walked in and EVERYONE was wearing black outfits and all the equipment was black How motivating would that be for anyone wanting to put their all into a workout hellipnot very This is why energetic colours are bright colours

Are you trying to ease out of the ldquoeverything in my wardrobe is blackrdquo syndrome

Sometimes when we dont know what to wear to work it is just easiest to have that all black outfit or suit as it seems to look smart and professional keeps clean longer and is justhellip well practical

A way to put more energy and vibrance into the workplace is to introduce colour that suits your skin tone and still looks professional A great way to also expand your ldquoall blackrdquo wardrobe and even create some new wardrobe capsules is to utilise your black staples of skirts and trousers with a new seasonal colour which will update your wardrobe Add a colourful jacket scarf tie and other accessories in any of the latest colours as a feature Be careful to not ldquofeaturerdquo too many items at once ndash either have an overall look of black with subtle touches of colour or feature a top or necklace in the contrast colour

To really be on trend and fashionable you could add Lucite Green or Marsala touches to your working corporate wardrobe or the very latest colour ldquoSpiced Pumpkinrdquo which ties in perfectly with the upcoming Modern Seventies trend

Spiced Pumpkin would look amazing with black as it is high contrast for those who suit high contrast and can be adapted to suit depending on your own preference If you are someone who cannot wear orange definitely keep this away from your face but you may want to just add a touch of spiced orange for fun ndash The best way is to have a slight black pattern on your orange garment if it is a skirt or top to tie in to the

black staple jacket or pants Choose a colour and accessorise your black Even in a corporate environment people want to see a bit of colour

The Sassy Circle comprises of 4 independent savvy business women who are passionate about giving over 1200 women their Sassy back this year The team offers online products 12 and full day workshops to provide women with the tools and strategies to regain

confidence create a fresh look and feel energetic and healthy once again so they

can step forward into their spotlight and shine

We have just released our Sassy Express 12 day workshop Perfect

for Women who are time poor and require that quick fix for Mums returning to work or requiring a pick me up or Entrepreneurs simply starting out and wanting to freshen their presentation

Find us at wwwthesassycirclecomau or call

Michelle on 0438 765 718

A first in the hearing health market Introducing

A combination of affordable repayments for the latest hearing health technology through SmartPay and the additional

benefits of our Protection Plan and Maintenance Package The simple choice to get back to living life at full volume with peace of mind

Protection Plangt Covers all Bay Audio - Hearing Experts fitted devices

up to 3 years from original fittinggt Provides automatic peace of mind for your hearing technology

investment from the moment you walk out of the storegt Offers unlimited claims for customers

SmartPay Payment Plangt The latest technology available for a simple low

monthly repayment gt 36 month payment term availablegt Allowing you to be fitted with the latest hearing

technology of a higher value that might otherwise have been out of reach

gt At the end of the term simply return your devices with no further obligation and get connected with the latest hearing technology

Maintenance Packagegt Includes everyday maintenance required for your devices

ie tube replacement and wax removalgt Free batteries for the life of the plan

Conditions apply for selected devices only see in store for details Please see in store for maintenance services covered

PROTECTION PLAN REE ATTERIE

amp MAINTENANCE

The complete hearing health package

The complete hearing health package

Up to $999daythe maximum yoursquoll pay

AFFINITY MAGAZINE

HEALTHY WEIGHT

BALANCE ENERGY IN AND OUT FOR HEALTHY WEIGHT

BUpA FIND A HEALTHIER YOU

AFFINITY MAGAZINE

MENTAL HEALTH SUPPORT

REACH OUT FOR HELP FOR BETTER EMOTIONAL WELLBEING

BUPA FINd A HEALTHIER yOU

AFFINITY MAGAZINE

Call 134 135corporate

bupacomau

Visit a

Bupa store

bupacomau

callmeback

Get Bupa hospital and extras cover by 28 February and choose one of three gifts^

^Only for new customers on hospital and extras cover policies available on your corporate health plan and issued by Bupa Australia Pty Ltd ABN 81 000 057 590

on direct debit and payroll deduction (if available) who join before 28022015 Not with other offers New Balance and Bupa Optical vouchers valued at $100

for singles or $200 for couples or families Garmin vivofittrade valued at $129 for singles or $258 couples or families New Balance vouchers can be redeemed online only Bupa Optical vouchers can be redeemed in store only Other conditions and supplier terms apply

Dental optical physio and chiro For most items covering general dental physio chiro and selected optical services Yearly limits fund rules and waiting periods apply Includes major dental in VIC and SA only Excludes orthodontics and hospital treatments Available on selected packages and standalone extras covers

Make today the day you do something good for your healthA new year comes with new resolutions

and often a determination to lead a healthier

lifestyle Now is a great time to consider

Bupa hospital and extras cover

Bupa corporate cover benefits include

Access to our national network of hospital and extras providers helping you to reduce or eliminate out-of-pocket expenses

Get 60 ndash 100 back (depending on the level of your extras cover) for selected services at Members First providers

AFFINITY MAGAZINE

feel something bettertrade

1 Join our secure payment portal httpssecure11clubwisecomauafcorporatewellnessposasp

2 Enter your unique code AFAAWP1For more information please go to page 2 of this flyer

Join now and receive our Welcome Pack (valued at $95)

with the

The Welcome Pack will contain some but not all of the items displayed above to the minimum value of $95 RRP Not valid with any other offers not redeemable for cash Not transferrable While stocks last Price of an individual 12 month membership is $714 plus $5995 for Gym access key and $45 joining fee (usual cost is $99) total cost $81895 The terms of the Anytime Fitness Membership Agreement also apply Please expect your Gym access key and Welcome Pack at your business address 3-5 business days after successful online registration Billing will start 5 days after Offer expires 111115

Plus $5950 monthly fee

Exclusive Anytime Fitness Corporate Offer

50OFFJOINING

FEE

AFFINITY MAGAZINE

MEDIA KIT

A F F I N I T Y A L L I A N C E

W W W A F F I N I T Y M A G A Z I N E C O M A U

PHONE 1300 793 044

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity EMAG is a niche market magazine produced monthly by Affinity Alliance It is a professional full colour digital publication distributed exclusively through membership to over 600000 individual businesses and professionals across Australia amp New ZealandOur reader is dynamic switched on and 25 plus They are always looking for new and interesting and exciting opportunities that stretch both personally and professionally Our readers typically balance both career and family 65 of our readers come from the ever-increasing Small Business sector with the balance of 35 being read by those employed in executive and senior management positions

Our research shows that 50 of our readers retain their magazines for one year and beyond maintaining them as a reference point for making future purchasing decisions It provides an outstanding opportunity for advertisers to showcase their products and services to the very lucrative membership market

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity Alliance advertisements are full colour The prices below DO NOT include artwork design (price on application if artwork is required) A high resolution PDF file is the preferred format for finished artwork and the following must be correct before submitting size of advertisement is exact all text is converted to outlines files are supplied as CMYK process (no RGB or spot colours) all images in the file are 300dpi at correct size If the PDF file is over 8MB it will be too large to send through your server please send your file through yousenditcom (a free service for single files up to 100MB) Maximum ink weight 340 5mm bleed is only available on double page and full page advertisements No responsibility will be taken for problems resulting from incorrectly supplied files

ADVERTISING RATES

ADVERTISING SPECIFICATIONS

Spice up your black wardrobe from our Colour and Clothing Stylist - Moana Robinson

I used to work in a legal office and remember one of my daughters asking whether my uniform was to wear black clothes If you have the right colouring black can look amazing but it can also become boring and uninspiring I said at a recent talk at a gym how everyone would feel if they walked in and EVERYONE was wearing black outfits and all the equipment was black How motivating would that be for anyone wanting to put their all into a workout hellipnot very This is why energetic colours are bright colours

Are you trying to ease out of the ldquoeverything in my wardrobe is blackrdquo syndrome

Sometimes when we dont know what to wear to work it is just easiest to have that all black outfit or suit as it seems to look smart and professional keeps clean longer and is justhellip well practical

A way to put more energy and vibrance into the workplace is to introduce colour that suits your skin tone and still looks professional A great way to also expand your ldquoall blackrdquo wardrobe and even create some new wardrobe capsules is to utilise your black staples of skirts and trousers with a new seasonal colour which will update your wardrobe Add a colourful jacket scarf tie and other accessories in any of the latest colours as a feature Be careful to not ldquofeaturerdquo too many items at once ndash either have an overall look of black with subtle touches of colour or feature a top or necklace in the contrast colour

To really be on trend and fashionable you could add Lucite Green or Marsala touches to your working corporate wardrobe or the very latest colour ldquoSpiced Pumpkinrdquo which ties in perfectly with the upcoming Modern Seventies trend

Spiced Pumpkin would look amazing with black as it is high contrast for those who suit high contrast and can be adapted to suit depending on your own preference If you are someone who cannot wear orange definitely keep this away from your face but you may want to just add a touch of spiced orange for fun ndash The best way is to have a slight black pattern on your orange garment if it is a skirt or top to tie in to the

black staple jacket or pants Choose a colour and accessorise your black Even in a corporate environment people want to see a bit of colour

The Sassy Circle comprises of 4 independent savvy business women who are passionate about giving over 1200 women their Sassy back this year The team offers online products 12 and full day workshops to provide women with the tools and strategies to regain

confidence create a fresh look and feel energetic and healthy once again so they

can step forward into their spotlight and shine

We have just released our Sassy Express 12 day workshop Perfect

for Women who are time poor and require that quick fix for Mums returning to work or requiring a pick me up or Entrepreneurs simply starting out and wanting to freshen their presentation

Find us at wwwthesassycirclecomau or call

Michelle on 0438 765 718

A first in the hearing health market Introducing

A combination of affordable repayments for the latest hearing health technology through SmartPay and the additional

benefits of our Protection Plan and Maintenance Package The simple choice to get back to living life at full volume with peace of mind

Protection Plangt Covers all Bay Audio - Hearing Experts fitted devices

up to 3 years from original fittinggt Provides automatic peace of mind for your hearing technology

investment from the moment you walk out of the storegt Offers unlimited claims for customers

SmartPay Payment Plangt The latest technology available for a simple low

monthly repayment gt 36 month payment term availablegt Allowing you to be fitted with the latest hearing

technology of a higher value that might otherwise have been out of reach

gt At the end of the term simply return your devices with no further obligation and get connected with the latest hearing technology

Maintenance Packagegt Includes everyday maintenance required for your devices

ie tube replacement and wax removalgt Free batteries for the life of the plan

Conditions apply for selected devices only see in store for details Please see in store for maintenance services covered

PROTECTION PLAN REE ATTERIE

amp MAINTENANCE

The complete hearing health package

The complete hearing health package

Up to $999daythe maximum yoursquoll pay

AFFINITY MAGAZINE

HEALTHY WEIGHT

BALANCE ENERGY IN AND OUT FOR HEALTHY WEIGHT

BUpA FIND A HEALTHIER YOU

AFFINITY MAGAZINE

MENTAL HEALTH SUPPORT

REACH OUT FOR HELP FOR BETTER EMOTIONAL WELLBEING

BUPA FINd A HEALTHIER yOU

AFFINITY MAGAZINE

Call 134 135corporate

bupacomau

Visit a

Bupa store

bupacomau

callmeback

Get Bupa hospital and extras cover by 28 February and choose one of three gifts^

^Only for new customers on hospital and extras cover policies available on your corporate health plan and issued by Bupa Australia Pty Ltd ABN 81 000 057 590

on direct debit and payroll deduction (if available) who join before 28022015 Not with other offers New Balance and Bupa Optical vouchers valued at $100

for singles or $200 for couples or families Garmin vivofittrade valued at $129 for singles or $258 couples or families New Balance vouchers can be redeemed online only Bupa Optical vouchers can be redeemed in store only Other conditions and supplier terms apply

Dental optical physio and chiro For most items covering general dental physio chiro and selected optical services Yearly limits fund rules and waiting periods apply Includes major dental in VIC and SA only Excludes orthodontics and hospital treatments Available on selected packages and standalone extras covers

Make today the day you do something good for your healthA new year comes with new resolutions

and often a determination to lead a healthier

lifestyle Now is a great time to consider

Bupa hospital and extras cover

Bupa corporate cover benefits include

Access to our national network of hospital and extras providers helping you to reduce or eliminate out-of-pocket expenses

Get 60 ndash 100 back (depending on the level of your extras cover) for selected services at Members First providers

AFFINITY MAGAZINE

feel something bettertrade

1 Join our secure payment portal httpssecure11clubwisecomauafcorporatewellnessposasp

2 Enter your unique code AFAAWP1For more information please go to page 2 of this flyer

Join now and receive our Welcome Pack (valued at $95)

with the

The Welcome Pack will contain some but not all of the items displayed above to the minimum value of $95 RRP Not valid with any other offers not redeemable for cash Not transferrable While stocks last Price of an individual 12 month membership is $714 plus $5995 for Gym access key and $45 joining fee (usual cost is $99) total cost $81895 The terms of the Anytime Fitness Membership Agreement also apply Please expect your Gym access key and Welcome Pack at your business address 3-5 business days after successful online registration Billing will start 5 days after Offer expires 111115

Plus $5950 monthly fee

Exclusive Anytime Fitness Corporate Offer

50OFFJOINING

FEE

AFFINITY MAGAZINE

MEDIA KIT

A F F I N I T Y A L L I A N C E

W W W A F F I N I T Y M A G A Z I N E C O M A U

PHONE 1300 793 044

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity EMAG is a niche market magazine produced monthly by Affinity Alliance It is a professional full colour digital publication distributed exclusively through membership to over 600000 individual businesses and professionals across Australia amp New ZealandOur reader is dynamic switched on and 25 plus They are always looking for new and interesting and exciting opportunities that stretch both personally and professionally Our readers typically balance both career and family 65 of our readers come from the ever-increasing Small Business sector with the balance of 35 being read by those employed in executive and senior management positions

Our research shows that 50 of our readers retain their magazines for one year and beyond maintaining them as a reference point for making future purchasing decisions It provides an outstanding opportunity for advertisers to showcase their products and services to the very lucrative membership market

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity Alliance advertisements are full colour The prices below DO NOT include artwork design (price on application if artwork is required) A high resolution PDF file is the preferred format for finished artwork and the following must be correct before submitting size of advertisement is exact all text is converted to outlines files are supplied as CMYK process (no RGB or spot colours) all images in the file are 300dpi at correct size If the PDF file is over 8MB it will be too large to send through your server please send your file through yousenditcom (a free service for single files up to 100MB) Maximum ink weight 340 5mm bleed is only available on double page and full page advertisements No responsibility will be taken for problems resulting from incorrectly supplied files

ADVERTISING RATES

ADVERTISING SPECIFICATIONS

A first in the hearing health market Introducing

A combination of affordable repayments for the latest hearing health technology through SmartPay and the additional

benefits of our Protection Plan and Maintenance Package The simple choice to get back to living life at full volume with peace of mind

Protection Plangt Covers all Bay Audio - Hearing Experts fitted devices

up to 3 years from original fittinggt Provides automatic peace of mind for your hearing technology

investment from the moment you walk out of the storegt Offers unlimited claims for customers

SmartPay Payment Plangt The latest technology available for a simple low

monthly repayment gt 36 month payment term availablegt Allowing you to be fitted with the latest hearing

technology of a higher value that might otherwise have been out of reach

gt At the end of the term simply return your devices with no further obligation and get connected with the latest hearing technology

Maintenance Packagegt Includes everyday maintenance required for your devices

ie tube replacement and wax removalgt Free batteries for the life of the plan

Conditions apply for selected devices only see in store for details Please see in store for maintenance services covered

PROTECTION PLAN REE ATTERIE

amp MAINTENANCE

The complete hearing health package

The complete hearing health package

Up to $999daythe maximum yoursquoll pay

AFFINITY MAGAZINE

HEALTHY WEIGHT

BALANCE ENERGY IN AND OUT FOR HEALTHY WEIGHT

BUpA FIND A HEALTHIER YOU

AFFINITY MAGAZINE

MENTAL HEALTH SUPPORT

REACH OUT FOR HELP FOR BETTER EMOTIONAL WELLBEING

BUPA FINd A HEALTHIER yOU

AFFINITY MAGAZINE

Call 134 135corporate

bupacomau

Visit a

Bupa store

bupacomau

callmeback

Get Bupa hospital and extras cover by 28 February and choose one of three gifts^

^Only for new customers on hospital and extras cover policies available on your corporate health plan and issued by Bupa Australia Pty Ltd ABN 81 000 057 590

on direct debit and payroll deduction (if available) who join before 28022015 Not with other offers New Balance and Bupa Optical vouchers valued at $100

for singles or $200 for couples or families Garmin vivofittrade valued at $129 for singles or $258 couples or families New Balance vouchers can be redeemed online only Bupa Optical vouchers can be redeemed in store only Other conditions and supplier terms apply

Dental optical physio and chiro For most items covering general dental physio chiro and selected optical services Yearly limits fund rules and waiting periods apply Includes major dental in VIC and SA only Excludes orthodontics and hospital treatments Available on selected packages and standalone extras covers

Make today the day you do something good for your healthA new year comes with new resolutions

and often a determination to lead a healthier

lifestyle Now is a great time to consider

Bupa hospital and extras cover

Bupa corporate cover benefits include

Access to our national network of hospital and extras providers helping you to reduce or eliminate out-of-pocket expenses

Get 60 ndash 100 back (depending on the level of your extras cover) for selected services at Members First providers

AFFINITY MAGAZINE

feel something bettertrade

1 Join our secure payment portal httpssecure11clubwisecomauafcorporatewellnessposasp

2 Enter your unique code AFAAWP1For more information please go to page 2 of this flyer

Join now and receive our Welcome Pack (valued at $95)

with the

The Welcome Pack will contain some but not all of the items displayed above to the minimum value of $95 RRP Not valid with any other offers not redeemable for cash Not transferrable While stocks last Price of an individual 12 month membership is $714 plus $5995 for Gym access key and $45 joining fee (usual cost is $99) total cost $81895 The terms of the Anytime Fitness Membership Agreement also apply Please expect your Gym access key and Welcome Pack at your business address 3-5 business days after successful online registration Billing will start 5 days after Offer expires 111115

Plus $5950 monthly fee

Exclusive Anytime Fitness Corporate Offer

50OFFJOINING

FEE

AFFINITY MAGAZINE

MEDIA KIT

A F F I N I T Y A L L I A N C E

W W W A F F I N I T Y M A G A Z I N E C O M A U

PHONE 1300 793 044

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity EMAG is a niche market magazine produced monthly by Affinity Alliance It is a professional full colour digital publication distributed exclusively through membership to over 600000 individual businesses and professionals across Australia amp New ZealandOur reader is dynamic switched on and 25 plus They are always looking for new and interesting and exciting opportunities that stretch both personally and professionally Our readers typically balance both career and family 65 of our readers come from the ever-increasing Small Business sector with the balance of 35 being read by those employed in executive and senior management positions

Our research shows that 50 of our readers retain their magazines for one year and beyond maintaining them as a reference point for making future purchasing decisions It provides an outstanding opportunity for advertisers to showcase their products and services to the very lucrative membership market

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity Alliance advertisements are full colour The prices below DO NOT include artwork design (price on application if artwork is required) A high resolution PDF file is the preferred format for finished artwork and the following must be correct before submitting size of advertisement is exact all text is converted to outlines files are supplied as CMYK process (no RGB or spot colours) all images in the file are 300dpi at correct size If the PDF file is over 8MB it will be too large to send through your server please send your file through yousenditcom (a free service for single files up to 100MB) Maximum ink weight 340 5mm bleed is only available on double page and full page advertisements No responsibility will be taken for problems resulting from incorrectly supplied files

ADVERTISING RATES

ADVERTISING SPECIFICATIONS

HEALTHY WEIGHT

BALANCE ENERGY IN AND OUT FOR HEALTHY WEIGHT

BUpA FIND A HEALTHIER YOU

AFFINITY MAGAZINE

MENTAL HEALTH SUPPORT

REACH OUT FOR HELP FOR BETTER EMOTIONAL WELLBEING

BUPA FINd A HEALTHIER yOU

AFFINITY MAGAZINE

Call 134 135corporate

bupacomau

Visit a

Bupa store

bupacomau

callmeback

Get Bupa hospital and extras cover by 28 February and choose one of three gifts^

^Only for new customers on hospital and extras cover policies available on your corporate health plan and issued by Bupa Australia Pty Ltd ABN 81 000 057 590

on direct debit and payroll deduction (if available) who join before 28022015 Not with other offers New Balance and Bupa Optical vouchers valued at $100

for singles or $200 for couples or families Garmin vivofittrade valued at $129 for singles or $258 couples or families New Balance vouchers can be redeemed online only Bupa Optical vouchers can be redeemed in store only Other conditions and supplier terms apply

Dental optical physio and chiro For most items covering general dental physio chiro and selected optical services Yearly limits fund rules and waiting periods apply Includes major dental in VIC and SA only Excludes orthodontics and hospital treatments Available on selected packages and standalone extras covers

Make today the day you do something good for your healthA new year comes with new resolutions

and often a determination to lead a healthier

lifestyle Now is a great time to consider

Bupa hospital and extras cover

Bupa corporate cover benefits include

Access to our national network of hospital and extras providers helping you to reduce or eliminate out-of-pocket expenses

Get 60 ndash 100 back (depending on the level of your extras cover) for selected services at Members First providers

AFFINITY MAGAZINE

feel something bettertrade

1 Join our secure payment portal httpssecure11clubwisecomauafcorporatewellnessposasp

2 Enter your unique code AFAAWP1For more information please go to page 2 of this flyer

Join now and receive our Welcome Pack (valued at $95)

with the

The Welcome Pack will contain some but not all of the items displayed above to the minimum value of $95 RRP Not valid with any other offers not redeemable for cash Not transferrable While stocks last Price of an individual 12 month membership is $714 plus $5995 for Gym access key and $45 joining fee (usual cost is $99) total cost $81895 The terms of the Anytime Fitness Membership Agreement also apply Please expect your Gym access key and Welcome Pack at your business address 3-5 business days after successful online registration Billing will start 5 days after Offer expires 111115

Plus $5950 monthly fee

Exclusive Anytime Fitness Corporate Offer

50OFFJOINING

FEE

AFFINITY MAGAZINE

MEDIA KIT

A F F I N I T Y A L L I A N C E

W W W A F F I N I T Y M A G A Z I N E C O M A U

PHONE 1300 793 044

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity EMAG is a niche market magazine produced monthly by Affinity Alliance It is a professional full colour digital publication distributed exclusively through membership to over 600000 individual businesses and professionals across Australia amp New ZealandOur reader is dynamic switched on and 25 plus They are always looking for new and interesting and exciting opportunities that stretch both personally and professionally Our readers typically balance both career and family 65 of our readers come from the ever-increasing Small Business sector with the balance of 35 being read by those employed in executive and senior management positions

Our research shows that 50 of our readers retain their magazines for one year and beyond maintaining them as a reference point for making future purchasing decisions It provides an outstanding opportunity for advertisers to showcase their products and services to the very lucrative membership market

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity Alliance advertisements are full colour The prices below DO NOT include artwork design (price on application if artwork is required) A high resolution PDF file is the preferred format for finished artwork and the following must be correct before submitting size of advertisement is exact all text is converted to outlines files are supplied as CMYK process (no RGB or spot colours) all images in the file are 300dpi at correct size If the PDF file is over 8MB it will be too large to send through your server please send your file through yousenditcom (a free service for single files up to 100MB) Maximum ink weight 340 5mm bleed is only available on double page and full page advertisements No responsibility will be taken for problems resulting from incorrectly supplied files

ADVERTISING RATES

ADVERTISING SPECIFICATIONS

MENTAL HEALTH SUPPORT

REACH OUT FOR HELP FOR BETTER EMOTIONAL WELLBEING

BUPA FINd A HEALTHIER yOU

AFFINITY MAGAZINE

Call 134 135corporate

bupacomau

Visit a

Bupa store

bupacomau

callmeback

Get Bupa hospital and extras cover by 28 February and choose one of three gifts^

^Only for new customers on hospital and extras cover policies available on your corporate health plan and issued by Bupa Australia Pty Ltd ABN 81 000 057 590

on direct debit and payroll deduction (if available) who join before 28022015 Not with other offers New Balance and Bupa Optical vouchers valued at $100

for singles or $200 for couples or families Garmin vivofittrade valued at $129 for singles or $258 couples or families New Balance vouchers can be redeemed online only Bupa Optical vouchers can be redeemed in store only Other conditions and supplier terms apply

Dental optical physio and chiro For most items covering general dental physio chiro and selected optical services Yearly limits fund rules and waiting periods apply Includes major dental in VIC and SA only Excludes orthodontics and hospital treatments Available on selected packages and standalone extras covers

Make today the day you do something good for your healthA new year comes with new resolutions

and often a determination to lead a healthier

lifestyle Now is a great time to consider

Bupa hospital and extras cover

Bupa corporate cover benefits include

Access to our national network of hospital and extras providers helping you to reduce or eliminate out-of-pocket expenses

Get 60 ndash 100 back (depending on the level of your extras cover) for selected services at Members First providers

AFFINITY MAGAZINE

feel something bettertrade

1 Join our secure payment portal httpssecure11clubwisecomauafcorporatewellnessposasp

2 Enter your unique code AFAAWP1For more information please go to page 2 of this flyer

Join now and receive our Welcome Pack (valued at $95)

with the

The Welcome Pack will contain some but not all of the items displayed above to the minimum value of $95 RRP Not valid with any other offers not redeemable for cash Not transferrable While stocks last Price of an individual 12 month membership is $714 plus $5995 for Gym access key and $45 joining fee (usual cost is $99) total cost $81895 The terms of the Anytime Fitness Membership Agreement also apply Please expect your Gym access key and Welcome Pack at your business address 3-5 business days after successful online registration Billing will start 5 days after Offer expires 111115

Plus $5950 monthly fee

Exclusive Anytime Fitness Corporate Offer

50OFFJOINING

FEE

AFFINITY MAGAZINE

MEDIA KIT

A F F I N I T Y A L L I A N C E

W W W A F F I N I T Y M A G A Z I N E C O M A U

PHONE 1300 793 044

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity EMAG is a niche market magazine produced monthly by Affinity Alliance It is a professional full colour digital publication distributed exclusively through membership to over 600000 individual businesses and professionals across Australia amp New ZealandOur reader is dynamic switched on and 25 plus They are always looking for new and interesting and exciting opportunities that stretch both personally and professionally Our readers typically balance both career and family 65 of our readers come from the ever-increasing Small Business sector with the balance of 35 being read by those employed in executive and senior management positions

Our research shows that 50 of our readers retain their magazines for one year and beyond maintaining them as a reference point for making future purchasing decisions It provides an outstanding opportunity for advertisers to showcase their products and services to the very lucrative membership market

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity Alliance advertisements are full colour The prices below DO NOT include artwork design (price on application if artwork is required) A high resolution PDF file is the preferred format for finished artwork and the following must be correct before submitting size of advertisement is exact all text is converted to outlines files are supplied as CMYK process (no RGB or spot colours) all images in the file are 300dpi at correct size If the PDF file is over 8MB it will be too large to send through your server please send your file through yousenditcom (a free service for single files up to 100MB) Maximum ink weight 340 5mm bleed is only available on double page and full page advertisements No responsibility will be taken for problems resulting from incorrectly supplied files

ADVERTISING RATES

ADVERTISING SPECIFICATIONS

Call 134 135corporate

bupacomau

Visit a

Bupa store

bupacomau

callmeback

Get Bupa hospital and extras cover by 28 February and choose one of three gifts^

^Only for new customers on hospital and extras cover policies available on your corporate health plan and issued by Bupa Australia Pty Ltd ABN 81 000 057 590

on direct debit and payroll deduction (if available) who join before 28022015 Not with other offers New Balance and Bupa Optical vouchers valued at $100

for singles or $200 for couples or families Garmin vivofittrade valued at $129 for singles or $258 couples or families New Balance vouchers can be redeemed online only Bupa Optical vouchers can be redeemed in store only Other conditions and supplier terms apply

Dental optical physio and chiro For most items covering general dental physio chiro and selected optical services Yearly limits fund rules and waiting periods apply Includes major dental in VIC and SA only Excludes orthodontics and hospital treatments Available on selected packages and standalone extras covers

Make today the day you do something good for your healthA new year comes with new resolutions

and often a determination to lead a healthier

lifestyle Now is a great time to consider

Bupa hospital and extras cover

Bupa corporate cover benefits include

Access to our national network of hospital and extras providers helping you to reduce or eliminate out-of-pocket expenses

Get 60 ndash 100 back (depending on the level of your extras cover) for selected services at Members First providers

AFFINITY MAGAZINE

feel something bettertrade

1 Join our secure payment portal httpssecure11clubwisecomauafcorporatewellnessposasp

2 Enter your unique code AFAAWP1For more information please go to page 2 of this flyer

Join now and receive our Welcome Pack (valued at $95)

with the

The Welcome Pack will contain some but not all of the items displayed above to the minimum value of $95 RRP Not valid with any other offers not redeemable for cash Not transferrable While stocks last Price of an individual 12 month membership is $714 plus $5995 for Gym access key and $45 joining fee (usual cost is $99) total cost $81895 The terms of the Anytime Fitness Membership Agreement also apply Please expect your Gym access key and Welcome Pack at your business address 3-5 business days after successful online registration Billing will start 5 days after Offer expires 111115

Plus $5950 monthly fee

Exclusive Anytime Fitness Corporate Offer

50OFFJOINING

FEE

AFFINITY MAGAZINE

MEDIA KIT

A F F I N I T Y A L L I A N C E

W W W A F F I N I T Y M A G A Z I N E C O M A U

PHONE 1300 793 044

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity EMAG is a niche market magazine produced monthly by Affinity Alliance It is a professional full colour digital publication distributed exclusively through membership to over 600000 individual businesses and professionals across Australia amp New ZealandOur reader is dynamic switched on and 25 plus They are always looking for new and interesting and exciting opportunities that stretch both personally and professionally Our readers typically balance both career and family 65 of our readers come from the ever-increasing Small Business sector with the balance of 35 being read by those employed in executive and senior management positions

Our research shows that 50 of our readers retain their magazines for one year and beyond maintaining them as a reference point for making future purchasing decisions It provides an outstanding opportunity for advertisers to showcase their products and services to the very lucrative membership market

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity Alliance advertisements are full colour The prices below DO NOT include artwork design (price on application if artwork is required) A high resolution PDF file is the preferred format for finished artwork and the following must be correct before submitting size of advertisement is exact all text is converted to outlines files are supplied as CMYK process (no RGB or spot colours) all images in the file are 300dpi at correct size If the PDF file is over 8MB it will be too large to send through your server please send your file through yousenditcom (a free service for single files up to 100MB) Maximum ink weight 340 5mm bleed is only available on double page and full page advertisements No responsibility will be taken for problems resulting from incorrectly supplied files

ADVERTISING RATES

ADVERTISING SPECIFICATIONS

AFFINITY MAGAZINE

feel something bettertrade

1 Join our secure payment portal httpssecure11clubwisecomauafcorporatewellnessposasp

2 Enter your unique code AFAAWP1For more information please go to page 2 of this flyer

Join now and receive our Welcome Pack (valued at $95)

with the

The Welcome Pack will contain some but not all of the items displayed above to the minimum value of $95 RRP Not valid with any other offers not redeemable for cash Not transferrable While stocks last Price of an individual 12 month membership is $714 plus $5995 for Gym access key and $45 joining fee (usual cost is $99) total cost $81895 The terms of the Anytime Fitness Membership Agreement also apply Please expect your Gym access key and Welcome Pack at your business address 3-5 business days after successful online registration Billing will start 5 days after Offer expires 111115

Plus $5950 monthly fee

Exclusive Anytime Fitness Corporate Offer

50OFFJOINING

FEE

AFFINITY MAGAZINE

MEDIA KIT

A F F I N I T Y A L L I A N C E

W W W A F F I N I T Y M A G A Z I N E C O M A U

PHONE 1300 793 044

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity EMAG is a niche market magazine produced monthly by Affinity Alliance It is a professional full colour digital publication distributed exclusively through membership to over 600000 individual businesses and professionals across Australia amp New ZealandOur reader is dynamic switched on and 25 plus They are always looking for new and interesting and exciting opportunities that stretch both personally and professionally Our readers typically balance both career and family 65 of our readers come from the ever-increasing Small Business sector with the balance of 35 being read by those employed in executive and senior management positions

Our research shows that 50 of our readers retain their magazines for one year and beyond maintaining them as a reference point for making future purchasing decisions It provides an outstanding opportunity for advertisers to showcase their products and services to the very lucrative membership market

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity Alliance advertisements are full colour The prices below DO NOT include artwork design (price on application if artwork is required) A high resolution PDF file is the preferred format for finished artwork and the following must be correct before submitting size of advertisement is exact all text is converted to outlines files are supplied as CMYK process (no RGB or spot colours) all images in the file are 300dpi at correct size If the PDF file is over 8MB it will be too large to send through your server please send your file through yousenditcom (a free service for single files up to 100MB) Maximum ink weight 340 5mm bleed is only available on double page and full page advertisements No responsibility will be taken for problems resulting from incorrectly supplied files

ADVERTISING RATES

ADVERTISING SPECIFICATIONS

feel something bettertrade

1 Join our secure payment portal httpssecure11clubwisecomauafcorporatewellnessposasp

2 Enter your unique code AFAAWP1For more information please go to page 2 of this flyer

Join now and receive our Welcome Pack (valued at $95)

with the

The Welcome Pack will contain some but not all of the items displayed above to the minimum value of $95 RRP Not valid with any other offers not redeemable for cash Not transferrable While stocks last Price of an individual 12 month membership is $714 plus $5995 for Gym access key and $45 joining fee (usual cost is $99) total cost $81895 The terms of the Anytime Fitness Membership Agreement also apply Please expect your Gym access key and Welcome Pack at your business address 3-5 business days after successful online registration Billing will start 5 days after Offer expires 111115

Plus $5950 monthly fee

Exclusive Anytime Fitness Corporate Offer

50OFFJOINING

FEE

AFFINITY MAGAZINE

MEDIA KIT

A F F I N I T Y A L L I A N C E

W W W A F F I N I T Y M A G A Z I N E C O M A U

PHONE 1300 793 044

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity EMAG is a niche market magazine produced monthly by Affinity Alliance It is a professional full colour digital publication distributed exclusively through membership to over 600000 individual businesses and professionals across Australia amp New ZealandOur reader is dynamic switched on and 25 plus They are always looking for new and interesting and exciting opportunities that stretch both personally and professionally Our readers typically balance both career and family 65 of our readers come from the ever-increasing Small Business sector with the balance of 35 being read by those employed in executive and senior management positions

Our research shows that 50 of our readers retain their magazines for one year and beyond maintaining them as a reference point for making future purchasing decisions It provides an outstanding opportunity for advertisers to showcase their products and services to the very lucrative membership market

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity Alliance advertisements are full colour The prices below DO NOT include artwork design (price on application if artwork is required) A high resolution PDF file is the preferred format for finished artwork and the following must be correct before submitting size of advertisement is exact all text is converted to outlines files are supplied as CMYK process (no RGB or spot colours) all images in the file are 300dpi at correct size If the PDF file is over 8MB it will be too large to send through your server please send your file through yousenditcom (a free service for single files up to 100MB) Maximum ink weight 340 5mm bleed is only available on double page and full page advertisements No responsibility will be taken for problems resulting from incorrectly supplied files

ADVERTISING RATES

ADVERTISING SPECIFICATIONS

AFFINITY MAGAZINE

MEDIA KIT

A F F I N I T Y A L L I A N C E

W W W A F F I N I T Y M A G A Z I N E C O M A U

PHONE 1300 793 044

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity EMAG is a niche market magazine produced monthly by Affinity Alliance It is a professional full colour digital publication distributed exclusively through membership to over 600000 individual businesses and professionals across Australia amp New ZealandOur reader is dynamic switched on and 25 plus They are always looking for new and interesting and exciting opportunities that stretch both personally and professionally Our readers typically balance both career and family 65 of our readers come from the ever-increasing Small Business sector with the balance of 35 being read by those employed in executive and senior management positions

Our research shows that 50 of our readers retain their magazines for one year and beyond maintaining them as a reference point for making future purchasing decisions It provides an outstanding opportunity for advertisers to showcase their products and services to the very lucrative membership market

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity Alliance advertisements are full colour The prices below DO NOT include artwork design (price on application if artwork is required) A high resolution PDF file is the preferred format for finished artwork and the following must be correct before submitting size of advertisement is exact all text is converted to outlines files are supplied as CMYK process (no RGB or spot colours) all images in the file are 300dpi at correct size If the PDF file is over 8MB it will be too large to send through your server please send your file through yousenditcom (a free service for single files up to 100MB) Maximum ink weight 340 5mm bleed is only available on double page and full page advertisements No responsibility will be taken for problems resulting from incorrectly supplied files

ADVERTISING RATES

ADVERTISING SPECIFICATIONS

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity EMAG is a niche market magazine produced monthly by Affinity Alliance It is a professional full colour digital publication distributed exclusively through membership to over 600000 individual businesses and professionals across Australia amp New ZealandOur reader is dynamic switched on and 25 plus They are always looking for new and interesting and exciting opportunities that stretch both personally and professionally Our readers typically balance both career and family 65 of our readers come from the ever-increasing Small Business sector with the balance of 35 being read by those employed in executive and senior management positions

Our research shows that 50 of our readers retain their magazines for one year and beyond maintaining them as a reference point for making future purchasing decisions It provides an outstanding opportunity for advertisers to showcase their products and services to the very lucrative membership market

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity Alliance advertisements are full colour The prices below DO NOT include artwork design (price on application if artwork is required) A high resolution PDF file is the preferred format for finished artwork and the following must be correct before submitting size of advertisement is exact all text is converted to outlines files are supplied as CMYK process (no RGB or spot colours) all images in the file are 300dpi at correct size If the PDF file is over 8MB it will be too large to send through your server please send your file through yousenditcom (a free service for single files up to 100MB) Maximum ink weight 340 5mm bleed is only available on double page and full page advertisements No responsibility will be taken for problems resulting from incorrectly supplied files

ADVERTISING RATES

ADVERTISING SPECIFICATIONS

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

Affinity Alliance advertisements are full colour The prices below DO NOT include artwork design (price on application if artwork is required) A high resolution PDF file is the preferred format for finished artwork and the following must be correct before submitting size of advertisement is exact all text is converted to outlines files are supplied as CMYK process (no RGB or spot colours) all images in the file are 300dpi at correct size If the PDF file is over 8MB it will be too large to send through your server please send your file through yousenditcom (a free service for single files up to 100MB) Maximum ink weight 340 5mm bleed is only available on double page and full page advertisements No responsibility will be taken for problems resulting from incorrectly supplied files

ADVERTISING RATES

ADVERTISING SPECIFICATIONS

$3490Includes photo on cover a double page 800 word UPFRONT feature article one full-page display advertisement and up to a maximum of 500 complimentary printed copies of the magazine carrying the feature

FRONT COVER OPPORTUNITY

MEDIA KIT AFFINITY ALLIANCE MAGAZINE

PUBLICATIONS amp DEADLINES Cover Date Publication Date Booking Deadline Material Deadline

January 20 January 1 January 10 January February 20 February 1 February 10 February March 20 March 1 March 10 March April 20 April 1 April 10 April May 20 May 1 May 10 May June 20 June 1 June 10 June July 20 July 1 July 10 July

August 20 August 1 August 10 August September 20 September 1 September 10 September

October 20 October 1 October 10 October November 20 November 1 November 10 November December 20 December 1 December 10 December

Web wwwaffinitymagazinecomau

Email adminaffinityalliancecocomau

Phone 1300 793 044

AFFINITY MAGAZINE

Affinity SHOPPER

Big Brands Low Priceshellip

As you are all abundantly aware A f f i n i t y S h o p p e r i s g o i n g gangbusters with traffic and sales Our members are shopping up an absolute storm on a host of everyday and specialty items The best part about it is everything is up to 70 off Non-members can shop as well so donrsquot be shy to visit our site but in addition to the great savings members get to enjoy additional rewards points which go towards their next spend so there is even more to celebrate

So dust off that wallet prepare your credit card and go shopping If you missed it the new site is of c o u r s e a p t l y n a m e d wwwaffinityshoppernetau and as previously mentioned will save you bucket loads on everyday items as well as specialty goods Take a trip down Affinity Shopping Lane today and see what bargains you can grab Donrsquot forget to LIKE us on Facebook so you can keep updated on daily specialshellip

Save up to 70 on well known brands and retailers across a huge range of categories including

bull Fashion

bull Health amp Beauty

bull Home amp Outdoor

bull Pet Products

bull Printer Cartridges

bull Technology

bull Toys

bull Wine amp Drink Accessories

START SHOPPING NOW

wwwaffinityshoppernetau

PHONE 1300 793 044

AFFINITY SHOPPER

AFFINITY MAGAZINE

AFFINITY MAGAZINE

Affinity SHOPPER

Big Brands Low Priceshellip

As you are all abundantly aware A f f i n i t y S h o p p e r i s g o i n g gangbusters with traffic and sales Our members are shopping up an absolute storm on a host of everyday and specialty items The best part about it is everything is up to 70 off Non-members can shop as well so donrsquot be shy to visit our site but in addition to the great savings members get to enjoy additional rewards points which go towards their next spend so there is even more to celebrate

So dust off that wallet prepare your credit card and go shopping If you missed it the new site is of c o u r s e a p t l y n a m e d wwwaffinityshoppernetau and as previously mentioned will save you bucket loads on everyday items as well as specialty goods Take a trip down Affinity Shopping Lane today and see what bargains you can grab Donrsquot forget to LIKE us on Facebook so you can keep updated on daily specialshellip

Save up to 70 on well known brands and retailers across a huge range of categories including

bull Fashion

bull Health amp Beauty

bull Home amp Outdoor

bull Pet Products

bull Printer Cartridges

bull Technology

bull Toys

bull Wine amp Drink Accessories

START SHOPPING NOW

wwwaffinityshoppernetau

PHONE 1300 793 044

AFFINITY SHOPPER

AFFINITY MAGAZINE

Affinity SHOPPER

Big Brands Low Priceshellip

As you are all abundantly aware A f f i n i t y S h o p p e r i s g o i n g gangbusters with traffic and sales Our members are shopping up an absolute storm on a host of everyday and specialty items The best part about it is everything is up to 70 off Non-members can shop as well so donrsquot be shy to visit our site but in addition to the great savings members get to enjoy additional rewards points which go towards their next spend so there is even more to celebrate

So dust off that wallet prepare your credit card and go shopping If you missed it the new site is of c o u r s e a p t l y n a m e d wwwaffinityshoppernetau and as previously mentioned will save you bucket loads on everyday items as well as specialty goods Take a trip down Affinity Shopping Lane today and see what bargains you can grab Donrsquot forget to LIKE us on Facebook so you can keep updated on daily specialshellip

Save up to 70 on well known brands and retailers across a huge range of categories including

bull Fashion

bull Health amp Beauty

bull Home amp Outdoor

bull Pet Products

bull Printer Cartridges

bull Technology

bull Toys

bull Wine amp Drink Accessories

START SHOPPING NOW

wwwaffinityshoppernetau

PHONE 1300 793 044

AFFINITY SHOPPER

AFFINITY MAGAZINE

Big Brands Low Priceshellip

As you are all abundantly aware A f f i n i t y S h o p p e r i s g o i n g gangbusters with traffic and sales Our members are shopping up an absolute storm on a host of everyday and specialty items The best part about it is everything is up to 70 off Non-members can shop as well so donrsquot be shy to visit our site but in addition to the great savings members get to enjoy additional rewards points which go towards their next spend so there is even more to celebrate

So dust off that wallet prepare your credit card and go shopping If you missed it the new site is of c o u r s e a p t l y n a m e d wwwaffinityshoppernetau and as previously mentioned will save you bucket loads on everyday items as well as specialty goods Take a trip down Affinity Shopping Lane today and see what bargains you can grab Donrsquot forget to LIKE us on Facebook so you can keep updated on daily specialshellip

Save up to 70 on well known brands and retailers across a huge range of categories including

bull Fashion

bull Health amp Beauty

bull Home amp Outdoor

bull Pet Products

bull Printer Cartridges

bull Technology

bull Toys

bull Wine amp Drink Accessories

START SHOPPING NOW

wwwaffinityshoppernetau

PHONE 1300 793 044

AFFINITY SHOPPER

AFFINITY MAGAZINE

Phone 1300 793 044 wwwaffinityalliancecocomau