Below is a flyer from Liquidity Finance, who can assist our clients obtain a fleet discount and car loans with competitive interest rates. If you are interested, please don't hesitate to contact us on 02 92902777. Click here and a member of our team will get back to you, With kind regards  save thousands on vehicle prices           low interest rates available call now and let us help you save              ph 02 92902777 michael luca * ivan kaye * danny luu

Perfect time to Review Your Insurances

During our regular research review of various insurance providers, we have identified that there is considerable difference between the various insurance providers and some major providers are currently offering personal insurance at extremely competitive and low rates.

These low rates won’t be around forever as they are currently undertaking their review to increase their insurance rates in mid February.

If you have an existing insurance policy (Life/TPD, Income Protection or Trauma) you may be able to replace these insurances at a lower cost to create additional cash flow or if your insurance is held within super it will give you more money to invest in the market.

If you have an insurance policy that has been underwritten within the last 5 years you can potentially roll your insurance over without completing any additional medical forms.

Below is an example of a client whose insurance we re-structured in December;


Current Insurance

Life/TPD and Income Protection all held outside of super costing $5,644 per annum from their cash flow.


New Insurance

Life/TPD moved to inside super and all insurances moved to new provider at a total cost of $3,962 per annum. This reduced their premiums by 29% and their cash flow was increase as the Life/TPD insurance is now funded through their super.

If you would like a complimentary review of your personal insurances please contact 02 9262 3333 or click here.

Ark Informer December 2010 -The 2 year rollercoaster... but has the ride finished?

If you cast your mind back to just before Christmas two years ago the financial world appeared destined for the grave. Lehman Brothers had just collapsed, the Governments started taking on toxic assets and the Australian Government implemented a guarantee on deposits to restore confidence amongst the consumers.

Australian Interest Rates started falling but at nowhere near the rapid reduction that was seen in the United States and Europe. The word ‘sub-prime’ became an everyday conversation and it was later discovered that American Banks gave out NINJA loans (no income, no jobs or assets) to unsuspecting American citizens. This resulted in almost one in five Americans owning a home with more debt than the actual value of the house.
The Australian Market was down 52% and price to earnings ratio’s sitting at around 8 times (long term historical levels are 14.8).

That Christmas was a pretty nervous one for many investors and employees.

This Christmas holiday season paints a much brighter picture with the market recovering 46% and price to earnings ratios now sitting at closer to 13 times. We are currently living in a rising interest rate environment which demonstrates the power and resilience of our economy. Although our markets are still linked to the movements in the US, we now have other influences such as Asia and the emerging markets. The expectation is that the Australian economy will grow at 3.5 to 3.8% per cent next year and the resources boom is expected to continue for another 20 years (as announced by the RBA).
So are we still on the rollercoaster?

There are some more expected dips in light of recent financial system collapses in Ireland, Spain and Portugal and whilst Europe and US get back on the track but the positives seem to outweigh the negatives with the power economies of Asia providing great momentum for the world economy.
Based on this, it is suggested that you review your current investment portfolios in the new year to ensure you have allocations to the growing economies as opposed to those on a dip.
In our recent e-book, ‘Investing in Equities’, (click here to download) we explain our investment theory behind maintaining and increasing exposure to the market. This is the core strategy and it is employed to try to achieve long term capital growth, irrespective of the short term fluctuations in the market.

This strategy is validated based on the recent Russell and ASX report comparing 10 and 20 year performances of various asset classes. It showed year on year returns of between 8 and 11% per annum in both the Australian Residential Markets and Australian Share Market. (for more information click here)

We want to take this opportunity to wish you and your loved ones a happy christmas and a 2011 filled with health, wealth and wisdom.

The Ark Team  
Click here to Contact an Advisor

Good International Stocks

I went top an adviser briefing in Feb 2010 see http://www.arktotalwealth.com.au/gvi-market.aspx

He recommended the following international stocks... he was on the money with Nestle and Colgate!!

Nestle - View the full NSRGY http://www.wikinvest.com/wiki/NestleSince Feb 2010 share price has gone from $35 - $55 (57% increase)

Colgate – good branding – endorsed by dentists, 75% revenue in emerging markets http://www.wikinvest.com/stock/Colgate-palmolive_(KAR:COLG) Since Feb 2010 share price has gone from $42 - $92 (120% increase)

Telefonica (Spain), http://www.wikinvest.com/stock/Telefonica_SA_TEF) Since Feb 2010 share price has gone from $70 - $65 (7% decrease)

Exxon, Shell http://www.wikinvest.com/stock/Exxon_Mobil_(XOM) Since Feb 2010 share price has gone from $67 - $74 (10% increase)

What to look for in a Company

• Look to buy good quality businesses cheaply
• Either 1,2 or 3 in a space and is difficult to displace
• Transparent
• Good Point of Difference
• Regular and Increasing Dividends to Shareholders – generally outperform companies with low dividend yields re growth.
• Strong and Lazy Balance Sheets are good!!
• Grow earnings and Dividends over time
• Good Margins
• EBIT has consistent growth
• Strong Brand

Trend to Refinance your Loans in 2011

A national survey has found many investors seem to have made a new year's resolution to refinance their home loan this year.

A poll conducted by Australia's largest independently owned mortgage broker, Loan Market, found 54 per cent of brokers believe refinancing will dominate the home finance market this year, surpassing first home loans which dominated the past few years.

Australians traditionally are reluctant to change lenders, but the Reserve Bank of Australia (RBA) lift official interest rates up to 4.75 per cent during 2010, the banks lifting standard variable rates by even greater margins, plus moves to make it easier to switch banks have changed this trend.

"Homeowners on an average $400,000 mortgage can save up to $4,000 years if they can be bothered switching lenders to get a better home loan deal.

Michael Luca of Liquidity Finance says that there can be as much as a percentage point difference between the variable home mortgage rates currently on offer and people are start comparing rates.

Michael says that this is a good time to look at consolidating your debts, taking the opportunity to reduce debt on credit cards, which have interest rates often more than triple that of an average variable home loan.

If you would like a complimentary meeting to review your debt situation, and identify whether you can save money on restructuring or switching your loans, please contact Michael or Danny at Liquidity Finance on 92902777 or email http://www.blogger.com/goog_551273287

For more information see http://www.liquidityfinance.com.au/

Drakensberg 2010

CHAMPAGNE CASTLE Dec 2010

From berg

From berg

From berg

Hans Rosling's 200 Countries, 200 Years, 4 Minutes - The Joy of Stats - ...

The world is getting smaller... Asia and China is catching up. We are becoming a converging world

Have you taken out Travel Insurance on your Holiday

The holiday season is approaching, and many of us are looking forward to our annual holidays. My family is travelling to South Africa for our Annual Holiday, and I am in the process of looking to take out a travel insurance policy to mitigate any risks that might occur on our holiday.

After searching the Web for articles on travel insurance and what the best deals are, (I have reposted the relevant articles on our website  - click here ), we have decided to take out a Chartis Travel Insurance Policy (who are the leaders in this space).

If Travel Insurance is critical for me when travelling, it will also be critical for our clients and subscribers.

I have negotiated a deal with Chartis, so that our clients will be able to get a 20% discount on regular travel insurance prices if they book though the attached link. Click here to access this link.

I hope you enjoy the festive season, and wish you “health, wealth, wisdom and happiness” for 2011.

BSI Learning - Diploma of Management

There is an opportunity to take advantage of the Federal Government’s initiative in upskilling Australians to further enhance workforce capabilities and to address skills shortages within the workplace. You or a member of your team may be eligible to Complete the accredited Diploma of Management Course at a cost to your Employer of $3,250 over the next 6 months – and the Government will reimburse your employer $4,000*!. *subject to eligibility This course will give the applicant new management and leadership skills to enhance their career and business initiatives. If you or someone you might know has not completed a qualification above a Certificate IV level, and are seeking to gain new skills for your current employment or future job role then you should apply. send to a friend This course will give the applicant new management and leadership skills to enhance their career and business. If you are interested in finding out more CLICK HERE to register your interest. With kind regards Course Overview The Department of Education and Training NSW has recently approved the inclusion of the Diploma of Management qualification which means eligible employees will qualify for federal government incentives. BSIL Hume Learning’s Diploma of Management is a fantastic way for your  employees to gain new management and leadership skills, enhance their career and knowledge of business operations. It is ideal for the business owner, senior manager, or developing business leader to: Reinforce, enhance and grow skills Apply critical and contemporary management principles, tools and techniques Develop new networks and opportunities. Course Structure The Diploma covers the following units of learning:         BSBFIM501A Manage Budgets and Financial Plans      BSBMGT616A Develop and Implement Strategic Plans        BSBPMG510A Manage Projects         BSBMGT502B Manage People Performance        BSBWOR502A Ensure Team Effectiveness        BSBMGT516A Facilitate Continuous Improvement        BSBRSK501A Manage Risk        BSBMGT515A Manage Operational Plan The program combines 5 days of non consecutive workshops with online and self paced learning, including small group work. The course is typically completed in a timeframe of around 6 months. Eligibility and Course requirements The approved Diploma Traineeship is available to all employees and employers can qualify for $4000* in Federal Government incentives for each eligible participant that commences and completes the course, which more than offsets the cost of the Diploma, at only $3,250 per person. *Subject to eligibility checks To be eligible for this funding, a participant must not have previously completed a qualification higher than a Cert IV. If you are interested in finding out more CLICK HERE to register your interest. To enquire about your employees’ eligibility and for further details please contact Donatella  Ottaviano on 02 9993 0703 or email info@bsilearning.com.au SEND TO A FRIEND ABOUT BSIL                                                                                BSI  Learning (BSIL) is a leading provider of Organisational and People Development Services and outsourced training solutions in Australasia.Our vision is to deliver value across the entire Employee Lifecycle. We  utilise the full spectrum of learning methodologies including Workshop,  Action Learning, Distance Learning, Coaching and e Learning and our global training partnerships keep us abreast of the latest learnings and  product developments from around the world. Visit our website... BSI Learning Pty Ltd Suite 1, Level 3. 55 Holt Street, Surry HIlls NSW 2010 www.bsilearning.com.au Telephone: +61 2 9215 0196 Fax +61 2 9212 5545 "Realise your potential"

The Ark Informer - November 2010 An Economic Update

In this Ark Informer "Where to Now?", we give an update on interest rates, an international snapshot, the rising australian dollar, inflation and our view of where the market is heading. For those of you who haven't downloaded the ebook "investing in equities", please feel free to do so. There is also an excellent whitepaper written by Russell Investments and the ASX analysing asset classes over the past 10 and 20 years. We are holding a Webinar next week on Property and Self Managed Super Funds to register, please click here If you require any further information, please don't hesitate to contact us. With Kind Regards Ivan Kaye www.arktotalwealth.com.au Join Me on LinkedIn http://au.linkedin.com/in/ivankayebsi Tel +612 92623333 Mobile +61413339888

The Ark Informer - November 2010 An Economic Update

The United States, Europe and Japan are struggling to support a sustained recovery, Emerging Asian economies are motoring along, supported by domestic demand. The Australian economy seems to be riding the Asian wave! Interest Rates In Australia, as we all know, the RBA were sneaky on announcing an increase to the official cash rate from 4.5% to 4.75% on Melbourne Cup day, thinking that we would not notice. We wait to see how the lenders respond. We have already seen the Commonwealth Bank increase rates by 0.45%, almost double the RBA increase. We expect lenders to start to announce their positions in the next few days. With interest rates at less than 1% in USA and Europe – governments are doing all in their power to stimulate the economy. Australia – Interest rates are 4.75% and forecast to rise (see graph below). The Australian Dollar strengthening as high interest rates are attracting overseas money. International Snapshots USA Interest rates are .25%, and the only tool left in the Federal Reserves belt is to stimulate the economy is to print more money. No matter how low interest rates are this will not help families with negative equity and no jobs The outlook for the US economy remains bleak, and deflation concerns are still present. However, financial market performance will be effected by any further decisions surrounding more quantitative easing in the near future But – one should invest in times of despondency! See the Emotional Investment - Rollercoaster http://arktotalwealth.com.au/news1.aspx EUROPE Interest rates remain at all time lows of 1% in Europe and 0.5% in the UK The share market remains volatile in response to mixed recovery signals Germany and France experiencing a relatively strong resurgence, while other nations suffer from persistently high unemployment ASIA China is a major driver of this growth with GDP growing 10.3% over the year during the second quarter, compared to 11.9% in the first quarter. This provides a sustainable growth story, as inflation is well contained India has also experienced vigorous growth with leading indicators such as business and consumer confidence,  as well as the production manufacturing index continuing to rise. Growth is projected at 9.7% in 2010 and 8.4% in 2011 according to the IMF The likes of Singapore, Korea and Taiwan are also showing double digit growth AUSTRALIA The Reserve Bank of Australia (RBA) has raised interest rates seven times between October 2009 and November 2010  The Australian economy is showing steady growth, with a strong reliance on the resource sector There’s a lot of planned investment over the coming year but business is not putting that into play at the moment Investment, consumption, employment and confidence improving across most sectors  The IMF forecasts economic expansion of 3% this year and 3.5% in 2011 Australia and the Resources Sector China’s insatiable need for our resources has boosted terms of trade, leading to wage growth and rising employment Overseas investors are looking to Australia for an exposure to China Market, 40% of our market is owned by foreign investors and they will be looking to invest here to get access to the Chinese growth story  Huge disparity between the 2 economies  wage growth in the mining sector has boomed, with the average wage being $103,000, the average wage across Australia is $62,000 pa In the last financial year, company profits across Australia were up 18%. Strip out the mining sector and profits were only up 3% The Rising Aussie Dollar Its highest level since the currency was floated in 1983 Vacancy rates which are very, very low here — 2 to 3%, whereas in the US you’ve got 15% vacancy rates Unemployment is going south and that means sub 5% - USA 10% Government net debt levels of around 5% of GDP, compared with over 68% in the UK and 65% in the US The Aussie Dollar could move beyond parity in the next 6–12 months as further quantitative easing looks likely in the US A high Aussie Dollar is positive for Australian consumers (who will see the cost of goods fall), as well as for airlines and retailers, but not good for the tourism sector, manufacturing and exporters Inflation Growth prospects in the Asian region and a booming commodity sector has a risk of causing inflation The RBA has kept a lid on inflation by steadily increasing interest rates Housing affordability and consumer spending needs to remain robust 200,000 first home buyers may not be able to pay their mortgages if rates increase! There needs to be a careful balance of managing interest rates and inflation The Market ‘The Australian market has been trading in a pretty tight band from 4300 to about 4600–4700. Are we ready for a rally? Economy – good A relative bond yield  -good Dividend yields –good Employment – good Solid corporate profits and above average equity yields that are currently averaging 5 – 5.5% fully franked make shares good income generators. We believe it is possible that the market will hit 5,000 by March 2011 and 5500 by Dec 2011. What should you be doing now? We believe that adopting a process of investing into the market on a regular basis is a sound strategy,Once you have a financial strategy in place, regularly review it, but don't deviate from a sound plan.   For a free Financial Health Check, please don't hesitate to contact us  graphs and tables sourced from ANZ

November Economic Update

How to achieve optimal performance

Inflow is positive, channelled, energised and aligned emotions related to the task at hand.
In order to achieve this state of performance, you need to have a clear set of goals, and confidence that you have the skills to achieve them.

What to achieve at Board Meetings.... I have attended too many board meetings that are focussed on historical performance of financial results, and arguments on where to allocate costs that are fundamentally necessary to run an effective business. Is this because the board members are not independent and have vested interests in each of their own service lines?

Board Members are generally chosen for the VALUE THAT THEY CAN ADD to a business with the intention of maximising returns to shareholders. In order to do this, most of the meeting should be to review the goals set, and together work out, in a harmonised, positive and energised way a course of action to achieve the goals set.

Without goals, one is treading water - There is so much untapped power and potential within these board members.... A solution is to have a set agenda.... and a facilitated meeting of the masterminds... with the objective of unleashing the power and potential of the group. Two or more minds come together create a third, invisible, intangible force that can be likened to a third mind.

"Effective Organised Effort = Power - Organised effort is produced through the coordination of effort of 2 or more people, who work to a definite end, in a spirit of Harmony" - Napoleon Hill - Think and Grow Rich.

An example - a car battery has the power to drive a car - many car batteries, working together, have the power to light a stadium!! Without the batteries working together... they are merely inert objects of matter!!

Investing in Equities - the next 10 years

I found an amazing graph the other day.... the 2009 Andex Chart for Australian Investors

From Recently Updated

A quick summary of the past 50 years:-

1. Australian Equities have compared well to the rest of the world over the past 60 years, 30 years, 20 years and 10 years.
Since 1950, $100 invested in shares would have generated $84,598

2. Australian Population - since 1950, the population has increased from 8m to 212m, with life expectancies of both men and women increasing by 13 years... Males 79 and Females 83.

3. Australian Shares have compared well with other asset classes (12.6% pa over 30 years.

From Recently Updated

4. Since 1980, $100 invested would have generated $2,414, majorly outperforming the CPI

From Recently Updated

5. Since 1970 $100 invested would have generated $5,500. Australia represented 2.1% of Capitalisation of World Markets, China 5%, Europe and USA 62%. My view is the pie will change substantially over the next 30 years, with China and India being significant contributors.

From Recently Updated

6. The Aussie $ has hit parity to the US$ since being floated in 1982.

7. The markets have shat themselves during the Whitlam years and Rudd years of Government. Menzies, Frazer, Hawke, Keating and Howard were good for the Economy.

Observations:-

1. Events will affect markets... but over the long term, markets will rise... Invest regularly and over a long period of time...

2. After a downturn, there is usually a sustained period of growth.... We are in a good position at the moment.

3. Australia is well placed for growth over the next 30 years.... Growth in Population is good

Vic Government announces $17 million in SME grants in $110 million ICT action plan

Vic Government announces $17 million in SME grants in $110 million ICT action plan


Wednesday, October 20, 2010 - bsi

Thursday, 14 October 2010 09:51

Patrick Stafford

smart company

The Victorian Government has pledged over $110 million in new funding as part of its ICT Action Plan, including funding for SMEs in a number of grants and programs.

State ICT minister John Lenders announced the action plan at an industry function yesterday. He also used the occasion to pledge the State Government's support for the National Broadband Network, claiming each SME connected to a high-speed internet connection receives a $5,000 productivity savings.

The action plan consists of six elements –

· supporting development of industry expertise,

· increasing the global profile of the Vic ICT industry,

· establishing VIC as the centre for ICT R&D,

· using ICT to foster innovation,

· increasing skills and

· establishing a productive broadband economy.

Lenders said yesterday the Government wants to increase the use of ICT within the state's economy, setting a number of benchmarks including the creation of 800 new ICT jobs each year.

"If we are re-elected, we have the action plan here to support the ICT industry," he said. "The Government's objectives are to increase the use of ICT across the entire economy, and contribute to economic growth and to sharpen Victoria's innovative edge."

Benefits for SMEs include $8 million for the Smart SMEs Innovation Commercialisation Program. This will include funding for the Regional Technology Commercialisation Program, which assists regional companies taking their products to national and international markets, helping develop business cases and obtaining funding.

Another $5 million will be provided to the Collaborative Internet Innovation Fund in order to support a second round of funding.

The Collaborative Internet Innovation Fund delivers grants of up to $500,000 to adopters of new technology so they can create new projects, and promote the use of that technology in internet-based activities.

Funds are matched by a ratio of 1:1 and can be spent on salary and costs for new staff, purchase of equipment or professional services. Businesses can read more about the project here.

A second round of funding will be promoted for the Smart SMEs Market Validation Program. The program helps pre-commercial SMEs with R&D initiatives the opportunity to help develop technology solutions for Government.

Successful SMEs receive grants of up to $100,000 to undertake a feasibility study over three months, while further funding of up to $1.5 million can be provided to take a R&D project through to proof of concept.

Another $700,000 will also be provided to the Australian Information Industry Association to continue business development forums, including the CollabIT program which helps SMEs build relationships and network.

A further $550,000 with the Australian Interactive Media Industry Association will be used to hold business development forums and promote mobile technology.

Lenders also said another $4.1 million will be pledged towards an online publishing strategy, which will feature successful business models in digital publishing and journalism, along with supporting new businesses and applications "that allow the gathering and distribution of local content".

Another $2 million will also be used for the Government's digital media programs, which "encourage the development of digital media, console and online games".

Shaw also said the Victorian Government is hoping to recapture some of the publishing industry lost to Sydney. "We can recapture the national voice but in the online space," he said.

He said the Government is putting the finishing touches and details for the program will be released soon.

Another $1 million will be given to the ICT Trade Events program, which will help export-ready companies attend overseas trade fairs.

A further $33 million will be provided to the NICTA VRL to 204-15 to help improve research and development. Australian Industry Group Victorian director Tim Piper particularly approved of this announcement.

"It's not necessarily coming out of the Federal Government, where legislation being discussed is looking more at research than the development," he said. "We think both the 'R' and the 'D' are important for Australian businesses."

Lenders also said the Government will place a large focus on developing skills and post-secondary education for the ICT industry. The TAFE sector will be called upon to work with young ICT professionals and enhance VET qualifications.

He also said the Government is putting a large focus on enhancing broadband. He pledged another $20 million for the VicFibreLINKS program to help establish backbone links in regional areas including routes to Mildura and Warrnambool.

He also took the opportunity to welcome the NBN, saying that "the NBN is locked in, it's certain". He also said the "economics stand up" regarding the network, and stated that every new business signing up to high-speed broadband generates a $5,000 gain in productivity per year.

"We think the economics stand up," Lenders said. "If we are re-elected, we have the action plan here to support the ICT industry."

He said the state government will work with NBNCo. To exceed its minimum rollout obligations in Victoria and said it will help businesses and local governments track the progress of the rollout.

The Australian Information Industry Association welcomed the comments, saying it "applauds the minister and the Government for supporting the National Broadband Network".

RBA Maintains Interest Rates - A Reprieve!

Below is an update from our Mortgage Brokers, Liquidity FInance.. Please feel free to phone Michael or  Danny to set up a free health check on your mortgages and loans. With kind regards Today, the Reserve Bank of Australia decided to keep the cash rate at 4.5%. Although the reprieve may be short lived, as the RBA tries to keep inflation under control, we await an inevitable increase to the cash rate within the next few months. http://www.smh.com.au/business/rba-rates-surprise-20101005-165ij.html We have seen the lending market over the last few months become more and more competitive as lenders start to remove previous constraints on lending policies, reduce fixed rates and increase loan to value ratios – all positive signs that our economy remains strong. We do understand the pressures that any interest rate increase may have on your cash flow, and there may be many ways in which we can assist, whether it be consolidating   higher interest rate payments, such as personal loans and credit cards, into your home loan; or finding a better option to the home loan you currently have, we are only too happy to speak to you. Please feel free to call us today on 02 9290 2777 for a home loan health check.  Best regards Michael and Danny

Michael Luca and Danny Luu Mortgage Brokers Level 1 34 Hunter Street, Sydney NSW 2000 PO Box 54, Millers Point NSW 2000 P: +61 2 9290 2777 D: +61 2 9216 4023 F: +61 2 9262 5788 E: michael.luca@liquidityfinance.com.au or danny.luu@liquidityfinance.com.au

Think and Grow Rich by Napolean Hill

Found the book gathering dust on our bookshelf.... don't know why I haven't read it yet... but is a real treat....
Written in the 1930's... I reckon that Brian Tracey, Anthony Robbins, "The Secret" and all the other Gurus used this book as a basis for there philosophies!

The Secret? DESIRE, FAITH, PLANNING and PERSISTENCE .... with Autosuggestion being the mixer....
Exchangiing Ideas and creating a "Panel of Masterminds" - who are aligned  ANYTHING CAN BE ACHIEVED

Some GEMS

• "Thoughts become dreams, become actions, become habits"
• Great 50c story
• Great story about persistance
• "I am the master of my fate and captain of my soul"
• There is always a way
• Nothing is Impossible
• Thoughts are Magnets and have real Vibrations
• Focussed Energy

More to come

Your Wealth Magazine

Nicky Boyle has issued her first edition of "Your Wealth Magazine". Subscribe at www.yourwealthmagazine.com  to get your monthly copy. There should be awesome articles that should help you on your journey to wealth creation.

Success and Failure and Noah's Rules

It was my Daughter Heidi's Graduation Ceremony Last Night... and there were a few gems spoken b at the Valedictory dinner worth sharing:-

Success and Failure

Failure is a fine friend. It gives you time to reflect, change your future, step back . You cannot recognise success until you have felt the fierce feeling of failure.

Embrace it!

Noahs rules

• Plan.. Ark was built before the flood
• Stay fit.. After 600 yrs you may be asked to be doing someething fit
• Build with faith... Ark built by amateurs ... Titqanic by profressionals
• Build on high ground
• Believe in your goals and follow your beliefs no matter what others say
• Believe
• Take action

(I am sure there were others.... help me build a set of rules by adding to this post)

Below is an update from our Mortgage Brokers. Please feel free to phone Michael or  Danny to set up a free health check on your mortgages and loans. With kind regards Ivan Kaye Join Me on LinkedIn http://au.linkedin.com/in/ivankayebsi  Fixed rates are continuing to drop! Over the past few weeks, we have seen fixed rates continue to decrease. At the moment we can source a 3 year fixed rate as low as 6.95%.  With the fixed rate moving closer to the variable rate, there has never been a better time to review your current home loan structure and try and lock in some certainty in the coming 3 years. We have also seen credit policy loosen slightly with banks beginning to increase their current Loan to Value Ratios from 90% to 95%, and we believe this is symptomatic of increasing confidence and competition amongst lenders. As always, we are here to discuss all of your home buying, investment and refinancing need. Please do not hesitate to contact us to discuss your options further. Looking forward to assisting you soon. Best regards Michael and Danny

Michael Luca and Danny Luu Mortgage Brokers Level 1 34 Hunter Street, Sydney NSW 2000 PO Box 54, Millers Point NSW 2000 P: +61 2 9290 2777 D: +61 2 9216 4023 F: +61 2 9262 5788 E: michael.luca@liquidityfinance.com.au or danny.luu@liquidityfinance.com.au

Diploma of Management - Victorian Govt's Programe "Securing Jobs for your future"

Wednesday, August 25, 2010 - bsi

There is an opportunity to take advantage of the Victorian Government’s “Securing jobs for your future” programme.
You or a member of your team may be eligible to Complete the accredited Diploma of Management Course valued at $4,000 over the next 6 months – AT NO COST TO YOU!!.
This course will give the applicant new management and leadership skills to enhance their career and business.
The cost of the course is $4,000, which will be funded for eligible participants by - the Victorian Government under the program “Securing jobs for your future” and a nominal enrolment fee of $250 by participants.
Ark Total Wealth has agreed to pay on your behalf the $250 enrolment fee for the first 100 eligible applicants as part of its commitment to help you become “health, wealthy and wise”.
If you or someone you might know, is a Victorian Resident , have not completed a qualification above a Certificate IV level, and are seeking to gain new skills for your current employment or future job role then you should apply.
For more information CLICK HERE to find out more and identify eligibility
If you are interested in finding out more CLICK HERE to register your interest.
With kind regards

Ivan Kaye
CEO
Ark Total Wealth
www.arktotalwealth.com.au
http://bsivc.blogspot.com/
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Diploma of Management BSB 51107 Providing real world principles, tools and techniques

Course Overview BSIL Hume Learning’s Diploma of Management is a fantastic way for you to gain new management and leadership skills, to enhance your career and business. It is ideal for the business owner, senior manager, or developing business leader to: Reinforce, enhance and grow skills Apply critical and contemporary management principles, tools and techniques Develop new networks and opportunities. The Diploma program is a leading Australian business management qualification. We combine online and face to face delivery via workshops, with project work and assessments to enhance and reinforce both the content and intent of the course. Participants will work individually and in small groups to experience and learn how to implement traditional and contemporary tools, techniques and models within their own role, business and industry. This is a real-world, hands-on program that enables quick but sustainable returns on your investment. The Diploma covers key components of underpinning business management and leadership. Eight (8) units cover core business topics such as: Customer Service Financial Management Learning and Development Managing people and performance Planning Occupational Health and Safety Project Management Risk Management Personal and Team Effectiveness Compliance Human Resource Management Intellectual Property Sustainability Workplace Relations Innovation Business Strategy Course Structure The program combines 4 days of workshops with online and self paced learning, including small group work. Workshops can be delivered onsite or we have regular sessions scheduled at various locations throughout Metropolitan Melbourne. Participants will enjoy the interactive workshops, online options and project work that explore issues, share experiences and maintain high flexibility to obtain optimum results for each participant. The focus is more on “how-to” rather than “what-to” implement strategies for improvement. Progressive assessment gives participants ongoing and immediate feedback on progress and understanding. The course is normally completed in 6months, with final assessments and project work to be submitted after the final workshop. Course Fees/Eligibility The course is funded for eligible participants under the Vic State Government funded program -Securing jobs for your Future – Skills for Victoria. This funding covers most of the costs of providing the complete program. Participants are expected to contribute an enrolment fee prior tocommencing the course of approximately $250. To be eligible for this Diploma qualification you must have not completed a qualification above a Certificate IV level and be seeking to gain new skills that you can apply in either your current or future employment Certification Upon completion of all components of the course you will receive a nationally recognised Diploma of Management qualification. If you complete part of the qualification and assessments you will receive a statement of attainment for those units you have fully completed.

How to Enrol CLICK HERE to find out more and identify eligibility To more information contact Gina Sulfaro on 03 9786 5636 or email Gina at gina.sulfaro@bsilearning.com.aufor more information on dates, locations, eligibility criteria and other information you need to start your Diploma of Management journey. Send to a friend DownloadBSIL Brochure View otherHOT Topics

About Us.... BSI Learning (BSIL) is a leading provider of Organisational and People Development Services and outsourced training solutions in Australasia.Our vision is to deliver value across the entire Employee Lifecycle. We utilise the full spectrum of learning methodologies including Workshop, Action Learning, Distance Learning, Coaching and e Learning and our global training partnerships keep us abreast of the latest learnings and product developments from around the world. Visitourwebsite...