APS Financial Planning

Transcription

1 EPEBER 0 IN HI IUE pg Nw mbrship & L Pck is w vilbl Upt yur prsl tils with AP Oli pg AP ills & Estts pg Fct ht - cur Cr Ls pg AP x & Accutig AP Isurc Brkig AP Prprty Ls pg AP Ficil Plig pg Crit Cr Dbt & Chilr s Furl Bfit pg Dcs mbrs AP A x ssg & Accutigfrm Crig l Richr CEO f Frrr th Austrli t AP x, Public Accutig rvic Bvlt Busiss city rvics Lt is (AP xpric Bfits) CPA txti ccutt. hthr it is sttig up busiss, mgig yur supruti fu r just btiig qulity srvic, Richr c hlp yu. AP Ficil Plig AP Bvlt Futi Dtis pprch $00,000 imthy Fstr prvis ccss t vic ifrmti th imprtt ficil r cisis vry xcit w t ll uc fc, whthr tht th it b AP supruti, Bvlt ivstmts, pr Futi pst rtirmt hs rciv plig, $0, lif i isurc, tis. grig, Our im isbility trum isurc, t rch $00,000 mg by fus th r svigs f 0. pls. h Futi is rgistr chrity uctibl gift rcipit AP rtgg s such y Brkig tis it rcivs bv $ m r Aths tx uctibl. trts vry h mrtgg Futi s is if miistr it wr his w. by th H hs ccss t 0 stff f th Austrli Public rvic Bvlt city Lt mrtgg lrs hs vr 0 yrs xpric i bkig. with ll csts br by th city, s tht ppl mkig Lt tis us th r lg ssur wrk fr tht yu. vry llr is us t fu bvlt prjcts. h Crbrl Plsy Eucti Ctr (CPEC) thrugh AP Isurc thir ssciti (Grl with th Isurc AP Brkig) Dill Bvlt Rw Futi hs up ur is w isurc f brkig th ly tm is slri mply ctrs i f Austrli AP Bfits. with Ey ith Gz vr chlgy, yrs xpric i th iustry, Dill t hs thrugh ccss fuig t pructs frm th tht Futi. iclu hm ctts, mtr vhicl, CPEC rciv bt/crv, $,00 llr, frm th AP public Bvlt libility, icm prtcti, ARGE lif, isbility Futi. & trum his is isurc. gig t h mk xt th tim wrl yu rciv yur isurc $00,000 //0 f iffrc i big bl t immitly rwl scrti tic whr r wt chil s isurc ys r fr fcusig. th first tim, cll Dill giv xmpl f hw this cul hlp, if thrpist hs b stig i frt f th chil AP Prsl Ls $0, $00,000 thir visi ly llws thm t s frm th h si AP th Bfits th thrpist prsl hs ls wst tm tim c ctiully ssist mmbrs t bti uscur l, r thy c pply stig li i t th wrg Eithr wy, ls c b pprv withi psiti. hurs. y chilr with Crbrl Plsy hv limit $00,000 visi wh thy r yug AP Furl Cvr. Ault ct & Chil cmmuict Cvr Avilbl. AP Bfits mbrship Critr tht thy Jss ct Clrk s. c his ssist mmbrs t gi immit furl cvr up t mchi $0,000 fr will ults trmi $,000 tht fr pt chilr (g t xt birthy). sv D s yu much hv tim. cvr i th grtst $00,000 tim f? Cll us will s mr rpi rsults i cmmuictig with th kis. AP vigs AP Bfits ss this $00,000 AP ctributi vigs Lt s is whlly itgrl w prt f subsiiry its cmmitmt f AP t Bfits th ffrs Fix rm cmmuity Ivstmt pruct. i th Ask fmilis m Aths f isvtg but th itrst rt ffr yu chilr. will b plstly supris. h trm c b 0 ys, mths, mths r mths. Cll us h city hs lg histry f prviig bvlt grts t its mmbrs i tims f f supprtig AP plthr ills f cmmuity & Estts vts th Futi will bl us t xp ur lvl f bvlc. Phil Lmbur frm AP ills & Estts hs vr yrs xpric s lwyr. h Futi Phil c hlp is ttlly yu trsprt with wills, pwrs s t th f bvlt ttry, prbt stt miistrti. prjcts it supprts. Is yur If will yu up-t-t? wul lik mr Hv ifrmti yu rviw i rlti yur t will th rctly? Futi It ffcts pls g mr t th th AP just Bfits yu! wbsit t r cll us ummry: AP Bvlt Futi Dtis r tx uctibl Rctly luch, All xpss th will Futi b pi by is th rgistr city chrity uctibl gift rcipit. All Dtis tis bv r vilbl $ r fr tx bvlt uctibl. prjcts h Futi will bl th city Drs t xp will b kpt ur ifrm lvl f f bvlc. th Futi s N prjcts t kw mr? Cll us Furthr t Dfc this, AP is w mbrs by its mmbrs, - Urgt s y cti prfits r rquir chll bck Pls t mmbrs. rfr t th Hlp tp spr f pg th wr f by yur itrucig bfit w sttmt mmbrs (cls AP hri) will s fr ifrmti yu, yur mit r th cssti chrity r yur f fc stff scil pyrll club $0 uctis fr ch t w mmbr yu mit. APB frm Fbrury 0, r cll us fr ifrmti. Fr mr ifrmti cll us r visit AP Bvlt Futi Lt (ACN 9) is trust fr th AP Bvlt Futi (ABN 00). h AP Bvlt Futi is rgistr chrity th Austrli Chritis Nt-fr-prfits Cmmissi rgistr Austrli xti Offic rs Ductibl Gift Rcipit.

2 NE EBERHIP & LOAN PACK I NO AVAILABLE Avilbl frm th AP Bfits wbsit is ur w mbrship & L Pck. EBERHIP A.pf ADVER COVER.pf 0/0/ ric is xp yur rvics ig Busiss s, mg. tig busis c hlp yu &, Accu it is sttig up r r ic, Rich t AP x Frrr utt. hth ig qulity srv Richr i cc bt ti just CPA tx ti fu r rtt th imp supru s, ti ifrm ti, ivstmt m ic u tru ss t v b supr rig, isbility vis cc, whthr it OUN rc, g fc Fstr pr ACC JULY imthy cisis w ll ig, lif isus. G 0 pl l IN igs pl rmt fici AV pst rti fus r sv pr g m t 0 ccss isurc,. H hs r his w bkig. s if it w c i mrtgg yrs xpri ts vry vr 0 s tr m Ath lrs hsyu. mrtggth lg wrk fr 0 ri 9 Lt us is sl ustry, HED i tm BLI brkig ric i th tr EA isurc tts, m rs xp s up ur h vr y hm c, lif, Rw h s. it u prtcti frm i Dill f AP Bfit ucts tht icl, icm yur isurc 09. t lic libility t pr iv 00 mply uc i with ccss lr, pub t tim yu rc l Dill hs l ill, D b h x p tim, cl t/crv c t c b icl, b m isurc. c fr th first t vh & tru isur t (th vr th isbility tic r wt G igh i), LN i rwl r frt rl c s), LIFE r yu rs t btu. Eithr wy, 0 p th fu st mmb u t, c ssi w.psbs.cm. f $.0s yu t m titls y ss bf pg s tm ww s l sl l pply li t r v xt ripti tit fits pr t c ight ks cil th, h AP Bl, r thy c subsc css) t w r frt cvr th hurs. Fi i 0 r ip v with r h tur 0p f c rl h AP P uscu gi mst ig ( pprv brs f $.0 t fu ftr yu lvls mbrs t s suc kig, A P ls c b m slry i ur pss & t ssist m s A rvic r p. Clrk c yu urs f y bscripti rstrict rs is FREE 0. th il s gg Br r Ls, $,000 fr grtst tim tr Jss rt su Cri,000 fr ults i th t b mmb -0 prfss P ur C s, h hip cvr mbrship brs ( fits l cvr up t $0 y). D yu hv ll g ig rvics, A P c rfit pric AP B m BErHIp fur xist bl t cil A t birth p r t rx s, i f g f t.. imm fi ss te rship (g vil 0 09 vi OFI Busi t b chilr Cll us 0 fits Fix R-PR tig & s, AP ts ll, ffrs m l b us!? f -FO t 90 u fits ffr r. ll NO x, Acc ryy L ills & Es ilt sic rt s f AP B u w Fu t subsiiry ut th itrst ths, mth, fit. Y. L ccss, AP Ev g, AP bu lly w s, m s b licti rl b A b ERA ki s ig Lt is wh t. Ask m Ath c b 0 y pp hs t FUN. vigs uc fit trm l Purp c Br pr fu AP h Pl OUN E r t th r IN Ivstm stly supris. 09. ci s, yingu ACC sy, l b rm p rl Isu f i usti s ONL sig AV ARD r will b plcll us 00 IP RE c yu ur fu y icr li it Clu b ERH r q rti g G P f y mths. c s ks b r p EB ri c r il rs ss xp t c c h r yrs rity / st Ch l c rust vr mb pt prg i t ts hs ttry, prbt r will rctly? & ic cc t m ck its. r / Nm rs f yu ills & Est AP mb N m t tur Bfits D ll ch fit s AP frm AP with wills, pwrs yu rviw r f g B r Fi fty r bur. t AP mb i Py t? Hv hlp yu Phil Lm Gu s r li s m (xclu Phil c yur will up-t- f prfit l. lwyr. u s th sum rti. Is yu! Our r t ji k y miist mr th just f t ibl th ly 9. th uct l It ffcts App i 0 s v r). rity will $ B r fr r ch v ti 0. Rf rciv rl C th AP. is rgist uctibl. h Fu t kw mr? ti. th Fu r tx lc. N L r s Fu grss f iffrc ERA FUN luch, bv $ f bv INE ONL Rctly t. Dtis ur lvl Chil th pr kig ipi w ll gift rc m ity t xp Diry Fll ti fits r chmbrs kt bl th c 09. y pr m Pc ll us 00. fr ch mbrs, s ucig w Fu C club $0 itr by its m is w th wr by yur stff scil this, AP spr rity r Furthr t mbrs. Hlp t ch m r mi yu, bck t yu s it. AP will 0 09 ON LOAN r yu m 0 mb NDAI AL m l us ON FOU w N & PER.u ti cl OLE EDIORIAL h mbrship & L Pck iclus; Cmpy Histry Busiss Dirctry mbrship Rwrs Prgrm & Pit-f-l Ifrmti Furl Bfit Cvr tbl Cmpy Ctcts mbrship Applicti Itificti Rquirmts L Applicti Ficil rvics Gui & Pruct Disclsur ttmt, Evryy L Rpymt chul. c u ti g AP x Ac AP Fi ci EB HE AU RAL bti hr cpis, cll ur custmr srvic r wl cpy frm ur wbsit i th Dwls scti. E R H IP IA N P U H A I B L IC B R EARD LEN ENEVO l Pl i g AP rt g O C IE : A A : /0/ Y g Br k ig AP Is ur c (G r l AP P rs BU I NE DIRECORY AP Is ur c Br k ig ) AURALIAN l L s C Fu r l Ch il C v v r. A ul t r Av il b l PUBLIC ERVICE. BENEVOLEN OCIEY LD AP vi gs $0 HED BLI AP i ll s 90 EA Es t t s c c rvi Publi Limit li city t Austr vl B P O IN O VING F A L E A : /0 / P / f APB pf Diry : Fu ti l t vn B U AP O ACC P /0 0. Cvr t.p NDAR E AP Nw A v il bl! Frigt g 0 - fr CALE POCK m.u psbs.c kt Pc r Cl 0 ch F R Ry Ru F 0 FEb y F ur JN E F JuN y F il F PR 0 9 ber E F sep us F ug F 0 July ER Eb F 9 9 Ec ER 9 0 Eb F 9 NV R F be 0 c ys hli C l r F F F F F issubfits ttiv Nt. Nby AP vigs ERAL ll RY f AP AP issu FUN bfit F Rprs 0CE s t furl ulist0 ERVI mmbr yubcm is 9prspctu Authris 0 titls t Crprt it is th pruct, 9 0 ERAL 9 clly is cisi 0 0Lt bk ccmp. 9 0 FUN utmti 9 Pty is t whichs Lgislti 9 0 mkig 0 y 9 bfr Plig r: his Frm9 0 9 f AP Bfits cit ltr Applicti hip s.cm.u)ap Ficil Disclim 9 0 lt t mbrs Ivstm Prfssi vigs. AP ur Bv N. th AFLN. 09. rvic m pprv trt AFL ly b schm 9 0 BER c Hwr 0 by li Public -0 F0 DECE 9 limit VIC Austr, ur BER Lvl 9 0 F NOVE lb 09 ER Nrth OCOB F BER Fr 00 (0) F ll EPE 9 0 Ph 0 AUGU (0) F 9 9 0Fx JULY F 0 0 R.i NDA 9 9 CALE KE POC JANUA Cl PUBLIC POCKE Limit :0 P r 0 HOLIDAY R.i 0 ifrm psbs.cm Fr mr r visit www. ING www. ING BROK NEV, CAR ANCE RY PLANN EN BE INUR OPE L E ERAL G PR CIA ING GEN KIN INV NAN N E sitbrok wb its BRO t ER FI ER r ur ur DAIO GAG Bfits Ptr s NCE XED AL COV ty Limi 0 00 OR AP r prvi ur AP Nts N FOUN frm Lt FI Libility URA prvi s fr LOAN G EVOLEci VIC t city NER Lt r ONAL & Estts: BEN vltlburfx (0) rvics Gui (vilbl Bvl Pty t. Applicti ills PER AL IN BROKIN FU rvic Plig ivstmt. AP B h Public LOAN NER E priciplivstm JUNE ic t, NrtLOAN t & Ficil AP Ficil 000 NG BAE Austrli by f thir PERY ING GE CAR9 GAG NI ttm by prvi y t mk G ic rv tr PRO lsigwhthr prvi PLANN OU & PRO Disclsur OR srvicsivstrsay Publ r (0) NCIAL ACCOUNIN Pruct srvics t ciig & ACC AE Ficil ). Ficil th risk bfr EN & rli 0 Hw Ph FINA APRIL th Cmbi X AE Bfits. ( Ptr but crfully Aust, - 09 AX 0 E & PROB csirby AP Avicb m s INVE E A 9 l / shul ffr Ficilt D hs ER ARCH th prspctu Yu Lv r EA ILL 0/0 Ptr ssssm FIXE Bfits.y pructsf 00 RY R t Lt. Pls ILL by AP r buy 09) ip 0 Fr FEBRUA 9 COVE (N. 0/0/ :0 0 ED 9 P BLIH EA CALENDA c Publi $BE0 RHIP E D REAR P : 0/0/ mbr.i wr m $0 r Etr AP Oli t ccss upt yur prsl ifrmti. RAL UNE NE F ONLI Hv yu chck tht yur ctct tils r up-t-t ltly? cmmuict with yu ithr i writig r lctriclly s w t sur yur hm r busiss rss is currt, yur mil rss is currt ls yur hm/busiss ph r mbil tlph umbrs r currt. hv cls t,000 mmbrs clits, but my t hv sm f ths ctct tils my t kp thm up-t-t. It is sy t upt thm. Etr AP Oli vi ur wbsit t click th AP Oli img th right h si f th hm pg (shw lft). his is li fcility tht bls yu t ccss upt yur prsl ifrmti. sur yur ifrmti is scur, yu will t lg i usig yur Lgi Nm (which is yur mbrship Numbr big up t umric igits) Accss C (r psswr). Yur Accss C (ulss yu hv lry upt it) is yur t f birth i igit frmt DDYY. Oc yu lgi fr th first tim, yu will b rquir t chg yur ccss c by fllwig th prmpts. If yu hv frgtt yur Accss C ctct th ffic mbrship f AP Bfits utmticlly titls yu t furl bfit issu by AP Bfits. Yu shul csir th Cmbi Pruct Disclsur ttmt & Ficil rvics Gui (vilbl frm AP Bfits r ur wbsit bfr mkig cisi t bcm mmbr f AP Bfits r buy y pructs ffr by AP Bfits. Ficil srvics prvi by Austrli Public rvic Bvlt city Lt r prvi ur its AFL N.. AP Ficil Plig Pty Lt is Crprt Authris Rprsttiv (N. 09) f Ptr Ficil Avic ( Ptr ). Ficil srvics prvi by AP Ficil Plig Pty Lt r prvi ur Ptr s AFL N. 09. AP vigs Disclimr: his is t bk pruct, it is ulist AP Nt. N ipt ssssmt hs b m but th risk t ivstrs lsig y f thir pricipl ivstmt. Applictis fr AP Nts c ly b m th Ivstmt Applicti Frm which ccmpis th prspctus issu by AP vigs Lt. Pls r th prspctus crfully bfr ciig whthr t mk ivstmt. AP ills & Estts: Libility limit by schm pprv ur Prfssil trs Lgislti.

3 AP ILL & EAE h imprtc f biig supruti mitis D yu hv supruti i y f th fllwig? PAP (.g. if yu hv ji th Cmmwlth Public rvic withi th lst 9 yrs), A iustry Fu (.g. CBus, HEA, Hstplus), A public rtil fu (.g. AP upr, Clil First tt, B upr), r A slf-mg supruti fu (yu r trust r irctr f trust). If s, th it is imprtt tht yu csir puttig i plc biig th bfit miti (BDBN) t cvr wht hpps t yur supruti wh yu pss wy. If yu lry hv BDBN i plc, yu shul chck tht it is still wht yu wt tht it hs t lps. If yu t hv BDBN th it will b up t th trust f th supr fu t ci whr yur supr is pi, which my t b wht yu wul hv wt t ll. Als, th bsc f BDBN will mst likly cus ucssry itil tim, cst icvic t th prss yu hv ppit s xcutrs i yur will. If yu t hv will th th pttil prblm is cmpu. A rct curt cs hs highlight this issu. h cs ccr mthr wh ws i chrg f th stt f hr lt s, whr thr ws will thr ws supruti t cvr by BDBN. h curt ci tht th mthr ws ur uty t rqust tht th supr b pi t th stt (whr it wul hv t b shr with th lt s s fthr, wh ws strg frm th mthr). his mt tht th mthr ws ur uty t ct i wy which ws: ctrry t hr w bst itrsts s pttil bficiry (sh wul rciv ly hlf th supr ist f it ll); ctrry t g tx vic (s mr tx wul likly b pybl if th supr ws pi t th stt); ctrry t th lt s s kw wishs (h wt ll th supruti t g t his mthr). h ly wy t vi ths issus with crtity is t hv vli BDBN i plc, but hvig vli will ls hlps. Di yu kw... c ssist yu with vrity f lgl mttrs prt frm wills stts? Fr xmpl, if yu r buyig r sllig rl stt i Victri th w c th cvycig fr yu t cmptitiv rts. Or if yu hv cmpy, fmily trust r sm thr busiss r ivstmt structur th w c ssist yu with th lgl spcts f stblishig r mitiig tht busiss structur. Phil Lmbur I Pricipl Lwyr Dirct: bil: 00 0 Fx Dirct: 0 0 Rcpti: Libility limit by schm pprv ur Prfssil trs Lgislti.

4 FAC HEE ECURED CAR LOAN Itrst rts: Nw Crs.90% Us Crs (t lr th yrs).90% Us Crs (lr th yrs) 9.90% Critri: c l up t 00% f purchs pric. will rquir prf f purchs r wrship (if rficig). Applicti will b ssss ur ur rml lig critri withi th NCCP Act. Fus will b pi irctly t sllr. (Bk chqu r crit t lrs ccut, if rqust lttrh). y b pprv fr ths ls i iti t y xistig AP Bfits Ls. Vhicl must b cmprhsivly isur fr mrkt vlu with AP Bfits big t s itrst prty. (AP Isurc will prvi cmptitiv qut). Itrst rt is fix fr th trm f th l. rm f th l t t xc yrs. N plty fr rly rpymt. Prcur: Applict pplis by cmpltig ur str fur pg l pplicti frm. Applicti t iclu tils f Rgistrti Numbr & Vhicl Itificti Numbr (VIN). ithr th VIN r Chssis umbr t cuct srch th Prsl Prprty curitis Rgistr (PPR). Applictis fr pr-pprvls r curg. Applict t prvi ltst py slip qut (if vilbl). L is pprv subjct t vrificti f purchs pric tht th purchs is t list th PPR. Oc pprv : - Ctrcts r rw up. A srch f th PPR is cuct t sur tht th purchs vhicl is clr f y cumbrcs. h fllwig cumts will th b frwr t th brrwr. Apprvl lttr sttig ut trms citis. Rqust t prvi vic f isurc. L ctrcts. Dirctis t py (whr th fus shul b frwr). Dirct Dbit Rqust (DDR) r Alltmt Authrity.

5 AP AX & ACCOUNING AX IP YOUR UCCE I OUR BUINE D yu ru busiss? D yu it strtig busiss? ul yu lik t kw th criticl pprchs t GROING yur busiss? Is th mul trig f t rstrictig yu? D yu wt t mk yur busiss mr prfitbl? I c t tlk t my xistig busiss visr. I kp lvig mssgs - rturs my clls. D yu fl lik tht? All yu r yur busiss prtr t is INVE YOUR IE. Richr Frrr frm AP x, Accutig & Busiss rvics c hlp yu. Cll Richr Ay tx rtur, ccutig fucti r busiss srvic w c prvi t yu, yur fmily r fris. D yur tgrs hv prt-tim jbs? Chck thir pymt summry t s if thy h icm tx uct. If thir icm is lw but thy v h tx uct, thy c tx rtur pply fr rfu. AP INURANCE BROKING Dill Rw Hv yu hr f AP Isurc? Dill Rw hs up ur Isurc Brkig srvic. Nw yu, ur mmbrs, yur fris fmilis will b bl t sur yu r gttig vlu fr my frm yur isurc prvir. hv ccss t rg f isurc prvirs cvrig isurc pructs which iclu Hm Ctts, tr Vhicl, Bt / Crv, Llr, Busiss Pcks, Prfssil Imity, Public Libility, rvl, Icm Prtcti, Lif, Disbility rum. h yu rciv yur rwl tic frm yur currt isurr, r yu wt isurc cvr fr th first tim ll yu t is cll Dill with yur currt (r upt) isurc cvr t s hw w c ssist yu. AP PROPERY LOAN m Aths m Aths kws hw t hlp ppl. m mgs ur ls tm ls th mrtgg brkig tm. hthr yu my b lkig t rficig r purchsig prprty (t liv i r ivst), lt m hlp yu slct th right pruct fr yu withut pushig yu t prticulr lr. Yu c ctct m r s him mil s.ths@psbs.cm.u

6 AP FINANCIAL PLANNING Chgs t upr i Rtirmt th clck is tickig! Fr ppl trig rtirmt, th ttimt f th Ag Psi plys crucil rl i th lg trm ficil futur. Fr vry llr tht c b bti i Ag Psi (r thr Icm upprt pymts frm Ctrlik), this is mr llr lft i thir w upruti fu r ivstmts. Frm st Jury 0, Ctrlik will b chgig th Icm st fr w psi pplicts. hilst fr ths lry i rcipt f Ag Psi (r Icm upprt pymt) wh ctiu with thir currt rrgmts, thy will t s y chg. hilst th chgs ffct ll w psi pplictis, th biggst impct will b t ppl with ltrtiv icm surcs i rtirmt, such s Cmupr Psis, prt tim jbs r Ivstmt Prprtis. Giv this iclus my f ur mmbrs, w hv fcus this spct f th chgs. Fr my yrs Ctrlik hs trmi ligibility bs up th Assts st (th vlu f wht yu hv) th Icm st (th icm rciv frm yur ssts). hilst th Asst st will rmi uchg, th Icm st fr upruti Psis (kw s Accut Bs Psis r Allct Psis ) is chgig st Jury 0. I vry simpl trms, t prst Ctrlik s t cut ll f th upruti Psi fr th Icm st. Frm st Jury, this xmpti is ispprig t b rplc by mig. Rthr th vry lgthy tchicl xplti, lt s xmi th impcts f this chg fr typicl clit, Jh wh is still wrkig pls t rtir i rly 0: Jh s g prir t Dcmbr Currt lry $0,000 Currt upr $00,000* Othr Icm (g. Cmupr liftim Psi) # $,000 *up rtirmt, Jh wul lik t strt psi f $0,000 pr yr frm this upr fu. # fully utx psi. imthy Fstr Crtifi Ficil Plr AP Ficil Plig Pty Lt Authris Rprsttiv N 099 f Ptr Ficil Avic AFL N. 09 wht wul Jh s Ag Psi b? If Jh rtirs prir t st Dcmbr $0. pr frtight* If Jh rtirs ftr st Jury $.0 pr frtight* *ths clcultis ssum Jh is sigl, hs $0,000 i prsl ssts, $,000 i th bk ws his w hm. It is imprtt t t tht this iffrc will ctiu thrughut Jh s rtirmt. th qustis Jh shul sk? ht is th rl lg trm bfit f wrkig by st Jury 0 if I m lry? Cul I wrk prt tim t bl m t strt climig Ag Psi, v if this is ly $ pr frtight, prir t st Jury 0? Ar thr y trps? Lik my rul chgs, thr r us implictis tht my t b flt fr sm tim t lwys by ll clits. Lt s rfr t Jh c gi: Jh ci t rtir prir t st Dcmbr 0 hs jy th high psi fr sm yrs. Jh hs rctly rviw his supruti fu wul lik t mv t ltrtiv fu. Jh rsrchs th ptis, mvs th fus is pls with his cisi. Aftr tifyig Ctrlik f th chg, h is surpris t lr tht h is w cptur ur th w ruls will hv his psi ruc by $,0 pr yr. his pit highlights th t crfully slct supruti fu tht c prvi flxibl ptis chgs withi th fu withut th t cls th ccut r r-p w ccut. hilst Jh thught this ws ly smll chg, with impct t his vrll ficil psiti, th ructi i Ctrlik psi will b flt fr th rst f his lif. ht t? Fr mst currt Ag Psi rcipits thr is impct t this chg if yu rti yur currt Psi ccut. Hwvr if yu r csirig chgs, plig fr rtirmt i th cmig mths, r r still wrkig vr th g f, th furthr csirti f ths chgs is imprtt. AP Ficil Plig Ctrlik, upruti rtirmt plig c ft b cfusig, strssful tim csumig. his is whr AP Ficil Plig c hlp. hs strtgis r hw w lry ssist ur clits, b it c-ff ssistc r rgulr gig hlp. If yu wul lik t iscuss hw w c ssist furthr, pls t hsitt t ctct us. Disclimr his cumt hs b pruc by AP Ficil Plig, uthris rprsttiv f Ptr Ficil Avic, AF Licc N. 09. h vic prvi i this cumt is Grl Avic Oly. It hs b prpr withut tkig it ccut yur bjctivs, ficil situti r s. Bfr ctig this vic yu shul csir th pprpritss f th vic, hvig rgr t yur w bjctivs, ficil situti s. If y pructs r til this cumt, yu shul bti Pruct Disclsur ttmt rltig t th pructs csir its ctts bfr mkig y cisis.

7 CREDI CARD DEB & CHILDREN FUNERAL BENEFI Urst crit cr bt wh wul yu guss hs th mst crit cr bt i Austrli? Ppl wh r lss th $,000 r ths wh r mr th $0,000 pr yr? Yu my b surpris t kw tht it is ppl wh r mr th $0,000 pr yr. hs wh r mgrs gr qulifi r mst likly t crry $,000 r mr i crit cr bt, cmpr t th grl ppulti. If ths ppl mk ly th miimum rpymt $,000 crit cr bt, it will tk thm 0 yrs t py ff th bt. ht s th lgth f yur vrg hm l! htvr yu w yur crit cr yu pl t py it ff. If yu t yu ll b pyig thuss f llrs i itrst. h itrst rt crit crs is ft highr th it is thr typs f crit lik ls. Pl bugt Bfr yu v strt srtig ut yur crit cr bt yu shul lk t ig bugt t s hw much my yu c spr ch mth t put twrs yur crit cr bts. Hl yur crit cr bt Extr rpymts Aftr cmpltig bugt tk th figur yu thik yu c spr t py ff yur crit crs yu will b bl t s hw much quickr yu ll py ff yur cr hw much my yu ll sv. Ev smll xtr mut will mk iffrc. D it! Chck yur crit cr sttmt vry tim it cms i cmmit this my t it. Yu might t st up irct bit t mk this hpp. k sur yu DO I. High Itrst Rts Crippl yu. Lk fr bttr l If yu r pyig high itrst yur crit cr (r crit crs), yu shul lk fr bttr l. It my b blc trsfr tht sts yu th right pth. Just mk sur tht th itrst yu ll b pyig ftr th hym pri is t highr th th itrst yu r currtly pyig r yu might b bck t whr yu strt... trt builig wlth with yur svigs Us th my sv i crit cr itrst t ivst i builig wlth i th futur. As rsult f th icrsig umbr f rqusts by mmbrs pttil mmbrs vr rct tims, w w ffr Chilr s Furl Bfit. h Chilr s Furl Bfit will prvi pc f mi t fmilis t vry lw cst. Fr ly $.0 pr frtight ($9 p..) ch pt chil will rciv $,000 furl bfit. Fr tils pls rfr t th mbrship Ifrmti mbrship Rwrs Brchur i th Dwls scti f ur wbsit r cll us

8 URNAE INIIAL AGE DEPAREN AE Ally L 9 Ctrlik Vic Arws G J 0 Army Ql Armstrg lcm Vic Brs G H PG Vic Brrigt E PG Vic Brrw I C Dpt Air Vic Bsri N Dpt upply Vic Brry G E Dpt Husig Vic Bw G J 0 lcm Vic Bwr J B PG Vic Brly D P 9 PG Vic Brshw B B Dpt Dfc N Brg R P pus Vic Brtll R H PG Vic Brcchi P I AA Vic Brw R K RAAF Vic Bry J Army Ql Bryt R 0 RAAF A Bub A pus N Bulck G R Army A Butlr G J Army A Crlt R B 9 Dpt Lbur Vic Crrll K J Army Vic Crrll J Hlth AC Crtr 9 PG s Cthr R Dpt Air Ql Chlr K PG Vic Chivrs A B PG Vic C PG Vic Ckr A G Civil Aviti s Cllis J B PG Vic Clly B J lcm Vic Cwy C P Army s Cpr J RAAF Ql Cpr R J PG Vic Cusis R P Dpt rsury A Crss A R Dpt rritris N Crss K H 9 Civil Aviti Ql Crwhurst G A 0 PG Vic Culh J J 90 lcm Ql Cull R Aust Pst N Cummigs J RAAF Vic Curr H pus Vic Cuttr G B Army Ql Dvis C J PG Vic Dvis J PG Vic Dvis P L RAAF Ql D Aglis G 9 Lgl Ai Vic Dig J Aust Pst N Dig R J RAAF Vic Dbs R A Dpt Dfc Vic Dl G RAAF A Dlly J R Dpt Dfc Vic Dwr K 0 lcm Vic Du J PG Vic Ewrs D G Army Vic Ewrs J D CIRO Vic Ewrs R Dpt Dfc A Ewrs R J Dpt Emplymt Vic Erwi G Auitrs Dpt Vic Evs PG Vic Frrw K E RAAF Ql Fil G 9 Dpt Dfc Vic Fily PG Vic Fitrig H B Elctrl Offic Vic Fly L 0 AO Vic Frstr upply Vic Fri R 9 Auitr G. Vic Gl F C PG N Gvlik Dpt Nvy N hs wh hv prt us DECEAED EBER 0-0 URNAE INIIAL AGE DEPAREN AE Gr R A Dpt Dfc N Gilmur L pus AC Gwig J F 90 Dpt Nvy AC Grcr R E 9 RAAF N Grimw R P PG Vic His A PG Vic Hll A pus Vic Hmilt G 0 PG Vic Hmm H G lcm Vic Hrbr R F 90 PG A Hrris D E Army Ql Hrris R J PG s Hrris G K 9 PG Vic Hrvy R H ABC s Hwthr D A Dpt rsprt Ql Hys A E Nvy Vic Hsly B AO Vic Hth K J 9 PG Vic Hckr A J Army Ql Hicky B PG Vic Hg K B 9 Nvy Vic Hus E PG Vic Hurl J F 9 PG s Illi PG Vic Irl G Army Vic Jrmy D 0 Dpt Dfc Vic Jrvis A D 9 RAAF Ql Jhs A L 0 pus N Jhst G PG Vic Js K J PG Vic Js J PG Vic Ju J F pus Ql Khlr J 9 PG Ql Kith J Army Ql Kmp J 9 Custms Vic Ky N J 9 RAAF Ql Kily R G PG N Kciszwski L A pus N Krpf H H E 00 AA s Lil B H pus Ql Littl R A RAAF Vic Lvlc J pus Vic Lucchilli R E 9 rsury Vic rtsz Dpt Air Vic ckzi J 9 Cicil Aviti AC guir C PG Vic hr P G lcm s hr K J 0 RAAF Vic isbrig R 9 pus s lixi 9 Aust Pst N llry N J Army N rmt A E RAAF Ql tthws A J rsury Vic ccrthy B D cil rvics Vic ccrmc G 9 Army N ccrmck P J pus s ccr PG Vic cdrmtt D G PG s cew G A RAAF AC cguir L J AA s ckrrw G PG Vic cow B N 90 PG Vic cquill I D Army Vic llwship R B 9 Army Vic rkl R P PG Vic ils B Cmmuitis AC ills J R 9 AC Elctricity AC ih PG Vic r G PG Vic rris R L lcm Vic Our thughts r with thir fmilis fris URNAE INIIAL AGE DEPAREN AE urphy C J PG Vic urphy F A Dpt Pructivity Vic urry J pus Vic Nl J B RAAF Ql Nhm J RAAF Vic Nicll R J Dpt Dfc Vic Nrris K A 9 Nvy Vic Nyux G P PG Vic Nugt P 9 AO Vic O'Bri E P 9 Dpt Itrir AC O'Bri H J 90 PG A O'Cr C-A pus N O'hughssy B L 9 PG Vic Pttrs V C PG Vic Prc A 9 Army Vic Pck K pus Ql Prrt A C lcm Vic Prrtt A 9 PG N Ptty J B AO Vic Phillips J C RAAF A Plt C pus Vic Rm A G RAAF Vic Ryls A RAAF Vic Richrs F H Dpt Husig Vic Richrs J C Army Vic Rch L Dpt Air AC Rbrts P Army A Rbis G 0 PG Vic Rgrs K V 0 PG Vic Ry K 9 pus Vic rs I A lstr Vic w L RAAF N chultz R G 9 PG Ql chultz H F Immigrti AC rl L H 9 pus Vic h F B 9 PG Vic hphr D E PG Vic iclir J K PG Vic mt R Dpt Nvy AC mith F J 9 PG AC pr K A pus N tl H A RAAF AC tvs R D PG Vic t R 0 AA s trgm D F PG Vic turt B G Urb rvics AC tubbs R R 9 Dpt AC ylr J G PG Vic ylr R G Dp rsprt N ichl R 0 RAAF Ql hw K 90 PG Vic hms H R PG s hmps G D 0 DFRDB AC hmps L A Dpt Nvy AC hrp J F Ctrlik AC imms B H PG Vic gu R F lcm Vic rbl J J 90 PG Vic r P J AO Vic rr E J PG Vic ts R J RAAF Ql tt K R PG s hit R J Army Vic ils R Custms Vic R PG Vic rrll U E pus Vic Yugs V 9 RAAF Vic Yurisich G pus Vic