the new headmistress has the opportunity to provide her expectations to her charges.

It’s a new year & this provided the new headmistress the opportunity to provide her expectations to her charges.

At our first Assembly, I suggested that beginnings are a good time for reflection and I asked the girls to consider how we could ensure that we get the most out of our year and live a life that truly matters.

Time is precious and fleeting.

Do we want this to be a great year, or just another year?

 I am hopeful that by Christmas we will all feel a little exhausted and wrung out, but satisfied that we’ve lived a good one.

 Not just another year of ‘same same’, of ‘could have’ or ‘should have’.

It begins with asking ‘why are you here?’

Not necessarily, ‘what is the meaning of life?’ but quite simply, why are you really here  in 2015?

I asked the girls if it’s to be the most popular girl on Facebook, or is it to make a personal best time in running, master a very difficult piece of music, or lead a House Group to be unified and supportive of one another?

We considered what it would take to achieve it, who to surround ourselves with to enjoy it, and how much it might be worth in the end to have accomplished it.

 So we will encourage all of our girls in every moment, of every class, of every day this year to try their best and always to remember why they are here.

We all need to ask ourselves the same questions so let’s reread the above.

Surely this is the expectation of all teachers, headmasters,  coaches , parents , CEO, Small businesses &  you & I.

We recall that success is much more likely to result if they are written down.

 We observed when the reserves came on in the Asian Cup final that notes were read on the sideline.

 We wrote at this time last year what Stan had tattooed on his arm to become winner last year at the Australian Open.

Lets start if you haven’t already to write down where you want to be in a year or Five.

The very first English class at the new school was to write down your first day at school & to be opened in Grade 12. 

Let’s do the same.

Let’s get an institution, a coach a teacher or a mentor to help us turn wishes into action. As the godfather repeats ‘The harder you work the luckier you get’.

We viewed a lifestyle programme yesterday titled ‘ Restoration Country house’. 

The huge House & estate in North East England had been in the same family for seven generation. However the income could not provide enough to continue maintain the house & estate.

As a last result they brought in Andrew a business coach who with his suggestions & expectations  significantly improved their financial position & their hope for the future.

They cooperated.

We all need that outside opinion if we are to improve our lot. It can take courage to call for help.

However the headmistress or the coach or the parent is not going to delve into the detail immediately. 

They need to orientate themselves & obtain the big picture or top Down view to help you better. Remember the dentist needs the X-Ray & the GP a 100 tests.

We have this year been asked to review insurances or how would you invest 2.5 million?.

It is never that simple.

There are new rules into life insurance from 28^th June 2014. There are often different ways to fund it.

There are pros & cons & challenges.

There are new rules from the recent G20 meeting that we all left town from.

As part of industry-wide reforms, Australian Prudential Regulation Authority (APRA) has brought in new rules to improve the liquidity position of Australian banks.
As a result there are some changes to  Bank Term Deposits. You have clients invested in these Term Deposits.

What this means
From 1 January 2015, if your clients wish to access their Term Deposit prior to maturity, all new and existing term deposit customers will be required to: 

•       provide 31 days notice, in addition to our processing time, and
• ·         pay Adelaide Bank any economic cost associated with early access to part or all of your investment prior to maturity.

These changes are needed to encourage that term deposits are held to maturity.

[P.s there is more to this also ]

As for investing 2.5 Million then who owns the money, who needs the income, what is your comfort zone in investing & what is your asset allocation & knowledge & how do you build a portfolio & much more? Remember ‘they all want your money’ we said.

And just arrived on email this idea for you. Its worked for us which we heard 30 years ago.

The most important lesson is this: 
if you set aside two hours on Saturday morning to work on a big project in your life, you will get more quality work done than if you tried to do the same work at any other time during the week.

We believe that we can generate significant financial certainty for you throughout our relationship & importantly add substantial value to ensuring you achieve all that is important & valuable to you as you have articulated to us.

If we were to sit down in three years time & looked back what do we need to do today so that you are financially & personally better off & happier.



As others do call us on 07 3848 1088 or email us or visit our websites.

  John McAuliffe