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Need a New Year Resolution?

15-Jan-2015

PROSPERITY e-news JANUARY

We’re looking forward to partnering with you to make 2015 your most prosperous year yet! With this short newsletter you can quickly pick up some tips & advice and then get back to enjoying the sun.

 

Need a New Year resolution? Choose one that will actually stick!

New year’s resolutions are pointless. We all set them, yet less than 10 per cent of us will see them through till the end of the year – and most of us don’t last much more than a month. 

However, new research shows that those who resolve to make money-based improvements at the start of the year get ahead at a faster rate than those who don't. Of those who made financially orientated resolutions at the beginning of 2014, 51 per cent report feeling better about their money now, according to new research by American multinational financial services corporation Fidelity Investments. By contrast only 38 per cent of those who didn’t make a money resolution said they felt better. There is also proof that financial based resolutions are easier to stick with. Of those who made a financial resolution last year, 29 per cent reached their goal and 73 per cent got at least half way there. However, only 12 per cent of resolutions to do with things like fitness and health do not end in failure.

So, our advice is this January make a money-based resolution and make sure it sticks! The trick is to track your progress and check in often – two thirds of those who set goals find monitoring progress is the ultimate motivation. And remember, if you need some advice or inspiration get in touch with your Prosper adviser, we’re here to help.

 Enjoy the summer sun… Sensibly!

Skin cancer is something none of us can ignore. It’s the most common cancer to affect Kiwis, making up around 80 per cent of all new cancers each year. To make matters worse, Kiwis have the highest incidence of malignant melanoma – the most serious type of skin cancer. While the highest risk group for skin cancer is males over 50, in 2010 melanoma was the leading cancer among males aged 25 – 44 and the second most common cancer among females aged 25 – 44. Put simply, we’re all at risk.

Do a self check

The Cancer Society advises everyone to look out for the A,B,C,D and E of melanoma, even in areas not usually exposed to the sun. You need to look for:

  • Asymmetry: not equal on all sides
  • Border: irregular edges
  • Colour variation within the mole
  • Diameter: moles growing or changing in size
  • Elevation/evolution: Moles that are raised or change over time.

Check your insurance cover

Various policies offer various levels of cover for skin cancer surgery. Most policies cover minor skin lesion surgeries performed by a GP  (up to a maximum of approx. $750) and skin lesion surgery performed by a registered specialist (up to a maximum of approx. $6000). There is also cover for the surgical removal of melanoma, which can be up to a maximum of $300,000). If you’re not sure what your cover extends to check in with your Prosper adviser.

 *Skin Cancer Facts and Figures, Cancer Society 2013, Melanoma, Ministry of Health 2008, Cancer Society Position Statement on Screening and Early Detection of Skin Cancer, Cancer Society 2010.

 Tell us what you want

In 2015 our goal is to make the information we share with your more relevant and helpful than ever. So, please let us know what you want to know more about. Whether it’s regular market updates, insurance tips, savings advice, mortgage rate news or something entirely different please let us know

 

We want to make this monthly Prosperity E-update an insightful, helpful and interesting read that you’ll pass on to your friends and family. If there’s anything you’d like to see in future issues just let us know. 

 

Our Adviser Disclosure Documents are available upon request. If you’d like a copy, please email us

 Keen on staying up-to-date on industry news and exclusive Prosper special offers?  Be sure to visit prosper.org.nz and check us out on Facebook andTwitter

 

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