Make Smart Decisions About Your Future

Australian Notes in different denominations with transparent background

What Does A Financial Advisor Do?

A Financial Advisor, as the name suggests, helps an individual plan and achieve personal financial goals.  They also do the same for a business.

Personal financial goals may include:

  • establishing college funds for your children
  • purchasing a vacation home
  • early retirement
  • paying off all debts
  • setting-up a well-subsidized emergency fund
  • purchasing insurance for long-term care and/or disability
  • estate and tax planning
  • saving and budgeting
  • investing

Business financial goals may include:

  • increase revenue
  • decrease costs
  • audits
  • tax obligations
  • better and wiser money management
  • avoidance of unnecessary spending
  • increase profit margins
  • boost cash flow

Why Do You Need A Financial Advisor?

If you hope to effectively reach any of the aforementioned personal financial goals, or if a business owner ever hopes to do the same, then, yes, they need a Financial Advisor.

Of course, you might be able to reach those goals on your own.  But, sound financial choices involve intense dedication – the kind an educated, skilled, and meticulous Financial Advisor provides.  And, a Financial Advisor focuses all their time on such work.  Finance is all they do and they spend all their time knowing it and perfecting their expertise.  So, why would you even try?  When you’re sick, you don’t try to diagnose your medical condition.  You see a doctor.  A doctor is your body’s expert.  Well, it’s the same for your money.  A Financial Advisor is your money’s expert.

Business Adviser

Business Adviser offers highly trained and experienced, licensed Financial Advisors.   It is an extremely skilled, trustworthy practice that maintains the maximum standards of responsibility, quality, and ethics.

For more than twenty-five years, Business Advisor has been offering personal and business financial planning.  It keeps up with new developments and ensures that its clients receive “big city” advice for a much more reasonable cost.

Personal Finances

Business Adviser can help you identify and reach all your personal goals.   You receive a Personal Financial Planner as part of a Total Financial Package.

Your Financial Planner will only suggest investments and insurances that indicate potential dividends for you and your family.

Business Finances

Business Adviser also offers financial planning for businesses.  It fully understands how a businesses’ monetary situation can instantly change.  Its Business Consultancy Service maximizes your prosperity, safeguards your interests, and delivers calm and reassurance through stressful times. Should you also be in financial trouble, Business Adviser guarantees to provide the remedy?

Business Adviser’s Chartered Accountants can also take care of your businesses’ accounting, as well as assist with management operations, such as succession planning and location changes.

Should you fill out an online inquiry form, Business Adviser will offer an Obligation Free Visit Valued at $320

Business Adviser’s Services

A Business Adviser fully understands both personal and business finance.  Their services simply make sense.  For more information see Retire Invest Wide Bay.

Chiropractic Care if Injured

If you have never been to a chiropractor in Toowoomba, you might be wondering what’s so special about chiropractic care. You would be surprised to know the number of people who have found numerous health benefits by visiting chiropractors for treatment of ailments which were not responding to medications.

The major reason why people are turning towards chiropractic care is because it’s safe and non-invasive. The following are a few things which you should know about chiropractic care

  • Chiropractors are strong believers of the fact that there is a close connection between the nervous system and the spine.
  • According to most chiropractors any structural disarrangement in the spine can lead to a plethora of health problems
  • By providing the necessary manual adjustment, the spine can be aligned once again and reduces the undue pressure on the nerves and in turn help provide relief from a variety of health issues.
  • Chiropractic care works best for patients who suffer from continuous neck and back pain.
  • Those who suffer from repetitive headaches could also find relief when undergoing chiropractic treatment.
  • Chiropractic care is considered as an alternative form of medicine. What sets it apart from other medical disciplines is that they first examine the health and structure of the spine and then make a diagnosis on their findings.

What is chiropractic adjustment?

Chiropractic adjustment is also known as manual or spinal manipulation. It’s commonly used for treating lower back pain. The chiropractor applies pressure to various parts of the vertebrae, especially those which seem to be misaligned. As a result the patient often hears a popping sound and a subsequent relief in the pain and its intensity.

Chiropractors use the term subluxation to refer to the altered position of the spinal vertebrae. It also refers to the abnormal separating of the articulating surfaces of the joints.  The following are some types of chiropractic adjustments which are practiced by a chiropractor

  • A highly intense arm thrust which is applied to the spinal region
  • This thrust results in the release of gases like oxygen, nitrogen and carbon di oxide. This also in turn releases the pressure on the nerves thus providing immediate relief and a sense of relaxation
  • In case cracking fails to occur, it is up to the chiropractor to ensure that the patient remains as relaxed as possible. This can be done by placing ice packs and providing massage to ensure complete relaxation during chiropractic adjustments.
  • However, there are certain instances when manipulation should not be performed. This often relates to instances where the chiropractor would determine that the underlying condition is best left to a medical practitioner.

Though there are no specific side effects of manual adjustments, some people might find they face a temporary soreness. This can be relieved by taking some over the counter medication and applying ice packs.

Chiropractic treatments help many people improve their quality of life. Most people who visit a chiropractor often claim to see improvement from the very first few treatments. Make sure you visit a Toowoomba chiropractor today.

Hervey Bay Accountants

The Advantages of Hiring an Accountant for the Road Safety Conference

Are you facing trouble getting your start up running smoothly? It’s a known fact that establishing a new business is no easy feat. It requires a great deal of effort on your part. It’s important that you hire the right team members who could actually help your business grow. The most important decision which you as a business owner would make is to hire a professional accountant to help manage your finances.

While hiring the right person could help your business go places, the wrong person can often be the cause of a business failing in its initial stages. Choose an accountant after a great deal of deliberation and careful thought.

The following are a few benefits of hiring professional accountants.


Keeps track of all your finances

When it comes to book keeping and business expenses, most business owners are totally stumped. This is exactly where a professional accountant could actually help you. Hiring an accountant keeps you stress free because you can focus on the more important aspects of your business. They manage all the mundane and boring work while you can devise strategies for expanding your business.

To make sure that all payments are sent and received on time as well as keep track of all financial details can help you save a great deal of trouble. Though initially you might feel you have to make an investment but consider it a greater return on investment.

Makes Tax time seem less confusing

Tax forms can confuse just about anyone. Combine them with the stress of setting up a new business and things can slide downhill pretty fast. An accountant can help you manage all your taxes. They make sure all your papers are in order. Plus if you have fallen behind your taxes, they can actually help you out pretty quick. After all accountants are pretty experienced when it comes to tax matters and this is why you should be hiring someone who is a thorough professional.

Help you make smart financial decisions

Not only do accountants help you manage your business but they can provide great financial advice when it comes to new investments. Smart investments pay off in the long run. If you want to be a successful entrepreneur, hiring the right professional accountant would be a wise decision.

New business owners would benefit greatly from the financial advice offered by an accountant. They can actually help you make the right financial decisions and investments.

Helps you stay focused

When you don’t have to pay attention to the financial side of your business, you can focus more on developing contacts and the right marketing strategies. Having the financial side up and running can release the stress and keep you burden free. You know your business is in good hands and that makes you feel confident enough to forge ahead.

Hiring the right professional accountant is very important. If you are searching for a reputable Hervey bay accountant, make sure you contact a chartered accountant. They have been helping many business owners manage their finances.

Finding The Right Childcare in Rockhampton

 Childcare Centres Available when Attending the Conference

Searching for a childcare centre to leave your kids while you go to the conference? The biggest worry which most working moms have is child care. Trusting your child with someone you may not know might be difficult. However, there are many child care centers across Rockhampton where you could easily leave your child in safe hands.

The staff at the childcare in Rockhampton is well trained and completely professional. They are skilled to handle children of all ages and besides providing them with basic childcare needs, they also help them grow socially as well as academically.

Before selecting a childcare in Rockhampton, make sure you keep the following things in mind.

Childcare Centres

What to look for when choosing childcare facility in Rockhampton

  • Before enrolling your child in a childcare facility always get to know whether they are licensed. Any organization which possesses the necessary license is pretty much legit and you can rest assured that it’s an establishment which you can trust.
  • Ask around the parents within your vicinity or the area where you are looking to enroll your child. Most parents who are happy would be enthusiastic and would offer positive feedback. However any negativity must not be frowned upon immediately but must be followed through to assure your complete peace of mind.
  • Check out their ratings. If the childcare is listed on the internet, it would be helpful to check out the reviews left for them by parents. The better their reviews, the happier your child would be spending their time there.
  • Get to know how they work. While most childcare facilities allow for tours for parents, some might even allow parents to spend some time with their own child in there.
  • Whilst at the childcare facility, make sure you check out how other children are faring. Do they look happy and well kept? Are they active? Whether the caretakers are actually involved with the children.
  • Also avoid sending your child to a facility which is overcrowded. It would only make your child feel a bit neglected and prone to difficulties as well.
  • Choose an establishment which provides quality childcare for your child. Even if it means having to spend a bit extra. Nothing should come between your child’s happiness and you have to ensure that the childcare facility which you choose would fulfill your child’s emotional as well as basic needs.
  • Also look at the way the caretakers handle the children. Are they kind and attentive or busy doing their own thing? All these things matter a great deal.
  • Ask them about their policy for dealing with a child of different ages. Whether they allow time for TV viewing or if a child misbehaves, do they get a time out? Getting to know how your child would be disciplined would allow you to feel assured that he or she is getting the right opportunities to develop as an individual.

Keeping the above mentioned things in mind would help you select the right childcare facility in Rockhampton when attending the Road Safety Conference in 2010.


Road Safety Conference

Post Conference Survey is now closed.

The recipient of the Myer Voucher is: C Bonner, Road Safety Officer, Goulburn.

Thank you to all those who took the time to provide feedback, it was greatly appreciated.

The Australasian Road Safety Research, Policing and Education Conference is the most important annual road safety event in Australia. In 2010 the conference will be held at the National Convention Centre, Canberra from 31 August to 3 September 2010.

The Safe System approach has been endorsed by the Australian Transport Council (ATC) as the basis for Australia’s road safety improvement efforts. The 2010 conference theme, Safe System – from knowledge to action, highlights the importance of both the understanding and application of Safe System concepts that will underpin the next National Road Safety Strategy. As we head into a new decade, the challenge for researchers, policy makers and practitioners will be to harness the potential of the Safe System paradigm to drive road safety improvements. The conference will provide an important opportunity to share your expertise, experience and aspirations.

The conference will:

Present current research and best practice in road safety, particularly in those areas identified as national road safety priorities.
Provide a venue for discussion of advances in road safety research and practice including in education, enforcement, engineering and the road environment.
Showcase innovation, progress and new directions in road safety policy, planning, research, practice and evaluation.
Bring together road safety stakeholders to facilitate collaboration and information sharing

Key dates

Tuesday, 1 December 2009 Call for abstracts opens
Monday, 14 December 2009 Registration opens
Monday, 1 March 2010 Call for abstracts closes
Friday, 2 July 2010 Early bird registration closes
Friday, 30 July 2010 Accommodation bookings close

Tuesday, 31 August 2010 Welcome reception and exhibition opening
Wednesday, 1 September 2010 Conference
Wednesday, 1 September 2010 Conference Dinner
Thursday, 2 September 2010 Conference
Friday, 3 September 2010 Post-Conference Workshops

Who should attend?

If you work or have an interest in any field associated with road safety, then this conference is a must for you to attend.

Past conferences have attracted up to 400 delegates across government, corporate and association sectors:
Local/State/Territory/Commonwealth Government Agencies
State road agencies
Research Institutions
Vehicle manufacturers

This conference brings together key decision-makers in road safety from all over Australia, together with delegates from New Zealand and other countries.