Tag: Insurance (page 1 of 7)

Ansvar Community Education Grants

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At Adroit, we’re always happy to share things that benefit the community. This month, our valued insurer Ansvar Insurance has opened applications for their 2017 Community Education Program, offering grants up to $50,000 for programs supporting Australian youth which fall under two categories; empowerment and education or outreach programs. Since the program’s launch in 1994, Ansvar has contributed over $15 million to education and life skills programs that have benefited thousands of youths across Australia.

Ansvar is dedicated to providing support and protection to Community Services & Not-for-profit Organisations, have a long history of involvement in the Australian community and philanthropic giving. They provide support to community groups and organisations through a range of activities, including donation drives, sponsorships, strategic partnerships and provide all of their staff members with a community service leave day each year, to enable them to spend time volunteering with organisations and activities close to their hearts. Ansvar’s values align closely with our own, and we’re proud to work alongside them.

To apply for the Community Education Grants or for more information, visit their website.

How to minimise hazards in the home

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There a number of prevalent yet often overlooked hazards in the home that can have the potential to cause some serious safety issues for your family. It’s important to be aware of these hazards to prevent accidents or injuries from occurring.

Below are 5 hazards to be aware of around the home, along with some of the top ways you can minimise them.

Fire

  • Ensure there are fire or smoke alarms installed in your home and check the batteries regularly.
  • Never leave candles or oil burners unattended.
  • Unplug appliances after use and ensure electronic charging devices are not left plugged in when no one is home.

Poisoning

  • Keep all poisonous materials (like heavy cleaning products, insect killer, etc) in a safe place, preferably high up and out of reach of young children.
  • Never empty poisonous materials into unlabelled containers as they can easily be mistaken for other things.
  • Ensure all medication is secured and out of easy reach from children.

Drowning

  • If you have a pool, make sure you have a regulation fence which is kept closed at all times.
  • Empty small leisure pools immediately after use and monitor young children in and around water, especially in the bath. Remember, children can drown in less than 6cm of water.

Slips & Falls

  • Keep steps and pathways leading to the house and interior staircases clear from debris and clutter to avoid tripping and falling down the stairs.
  • In wet areas such as the bathroom, ensure there are non-stick bathmats on the floor, and even on the bottom of the tub.

Mould

  • Ensure wet areas, such as bathrooms, are properly ventilated, and regularly open the windows in bedrooms to encourage natural air circulation throughout your home.
  • Immediately remove any mould you notice it around the house, calling a specialist where necessary.

 

With an increased awareness of potential household hazards like these, you may be able to prevent certain things from going wrong, however, it’s impossible to predict everything. Home and Contents insurance gives you financial protection for your home and possessions should an unexpected event occur.

Keep your home and contents safe!

 

 

7 Classic Financial Quotes

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Sometimes in financial strategy, the best tactic is to call on the advice of those who have come before us. You’ll find that more often than not, the best advice is timeless, and considering it can bring you back to basics – grounding your mind in what your true financial goals are. We asked our team at Adroit Financial Group for some of their top finance quotes. Consider these the next time you need some extra financial guidance.

Ash Dowie – General Manager

“Compound interest is the eighth wonder of the world. He who understands it, earns it…he who doesn’t, pays it.” – Albert Einstein

Most people relate compound interest to debt, however, it is as beneficial to those who are willing to save and make money, as it is detrimental to those borrowing it. Basically, compound interest is the act of having money invested and allowing it to accumulate over that period at a rate of interest/return, then allowing that increased amount to make more money. The lesson…use the power of time, start early and let the money work for you while you sleep.

Samantha Clarkson – Financial Planner

“We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful” – Warren Buffett

This quote is in relation to contrarian investing. This means we should aim to ignore the emotional factors at play, and go against the masses: buy when the market is low and stocks are underpriced (when others are fearful, and selling), and sell when the market is high and stocks are over-priced (when others are greedy, and buying).

Bart Healy – Financial Planner

 “By failing to prepare, you are preparing to fail.” – Benjamin Franklin

Although not a financial quote, it’s definitely applicable.  I like this quote as it’s how I approach my work; I’m one of those people who writes a list each morning with what I need to do for the day and then plans accordingly.  It’s the same for personal insurance – with some foresight and good advice; you can start planning for the unexpected.

Annette Ros – Financial Planning Assistant

“Planning is bringing the future into the present so that you can do something about it now.” – Alan Lakein

We all have goals in life that we want to achieve, whether it’s achieving the great Australian dream, developing your own business or raising a family.
All goals are different, but one thing they have in common is that there is always a plan outlining the steps required to reach that goal. Putting together a plan now, can provide comfort and peace of mind – if something happens, you are prepared and what you have worked hard to accomplish is protected.

Lisa Tran – Financial Planning Assistant

“Think ahead. Don’t let day-to-day operations drive out planning” – Donald Rumsfeld

It is important to make time during your busy day to prepare for the future. Having a financial strategy in place is important for creating wealth and protecting what you already have, as success will not come to people who do not take action.

Matt Hills – Financial Planner

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for” – Robert Kiyosaki

My view on the above quote is to spread your risk! Don’t have all your eggs in one basket. This will help maintain and grow wealth.

Sean Myles – Practice Manager

“Someone’s sitting in the shade today, because someone planted a tree many years ago” – Warren Buffett

With any financial strategy, it is important to realise that it will take time to achieve your financial goals – it won’t happen overnight. But with the right environment (a strong and prosperous economy), proper pruning (reviewing of strategy), water and fertiliser (contributions and reinvested dividends) a seed (small initial investment) can grow into a magnificent tree (a really fruitful investment). Truly great things can grow from the smallest of beginnings.

This article does not consider your personal circumstances and is general advice only – unless otherwise stated. You should not act on any recommendation without considering your personal needs, circumstances and objectives.  Adroit Financial Group recommends you obtain professional financial advice specific to your circumstances.

What does an insurance broker do?

photo-1425421669292-0c3da3b8f529You know you need insurance, whether it’s for personal or business purposes. It’s a fact of life – you simply cannot predict what’s going to happen or eliminate all risk. But going to an insurance provider on your own and wading through all of the available products can be daunting.

“Insurance policies are generally written by lawyers, who are trying to cover all bases and all situations which can become very long winded and confusing for the average person to read. I’ve worked in the industry for 30 years and still know people who don’t completely understand policies, so no average consumer would stand a chance,” says Albury/Wodonga Branch Manager Michael Myers.  An insurance broker takes on this challenge for you, by finding tailored policies and packages for your needs.

An insurance broker can help in many ways. Aside from ensuring your policy is specifically designed for your needs, a broker can help you assess what those needs and risks are, assist you with insurance documentation and act as an agent on your behalf through any claim settlements made under your insurance – just to name a few benefits.

Why should I use an insurance broker?

As insurance brokers have access to a broad spectrum of policies and packages and deal with a range of insurance providers directly, sometimes brokers can access policies you may not otherwise be able to find. Even without that access there are a huge number of policies out there to choose from, which can be difficult to sort through on your own.

Using a broker means having someone on your side to do the hard work for you, saving yourself valuable time. They will assess your needs and risks, then find the appropriate packages for those needs and present them to you. They will walk you through the finer details, making sure you understand everything you will be covered for. While your insurance policy certainly isn’t something you want to cut corners on, a broker can help make sure you have the best possible rates without compromising any coverage.

How is using a broker different than going to different providers myself?

Sure, you could visit different providers on your own and evaluate the different packages presented to you. However, that’s going to take a lot of time and effort on your part. A broker knows these products already, and will be able to go through them quickly while ensuring you aren’t missing out on any crucial coverage.

Alongside that, the biggest advantage to having a broker on your side is the ongoing relationship you’ll develop. Periodically, you and your broker will be able to hold policy ‘health checks’ to make sure your policies are still meeting the needs you had initially.

Damon Edwards, the general manager of our Ballarat location puts it like this, “Risks evolve around changing society and changing workplaces, and so too should the insurance packages. It’s a common misconception that insurance policies are something you just set and forget – this is something you should constantly be reviewing in conjunction with your broker.”

In short, using a broker means having someone in your corner who knows your risks and coverage when you need them to.

 

An insurance broker works for you

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Insurance claims are naturally made at a stressful time in your life. Whether it’s a minor fender-bender or something more serious it’s not a time when you want to be put on hold or waiting days to hear a response to your claim.

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