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Welcome to the October Edition of the ProMonthly.
As the year is quickly drawing to an end and the shops are filling with Christmas
decorations, it‟s a good time to reflect how fast life is flying by and think back on
what goals you have set and reached during 2013.
As the saying goes, never put off what you can achieve today. This issue contains a
great story on designing your life for yourself by helping you to map out your dreams
and vision with clarity.
With a few months left in the year, now‟s the time to be inspired and make positive
moves to energise the decisions you make about your life. As the Nike boys
say….‟Just do it‟.
Warm regards,
Joe, Tony, Julie, Lucy, Amy and the ProLoan Team
In this month’s newsletter; Maximising CGT exemptions on
your main residence
Limited time offer for your clients -
exceptional motor vehicle finance
Keith Abraham – Pursuing Your
Passion
Are you in the Top 10 this month?
Tony Tech Head – PhotoSync
ProLoan is listening to…
ProLoan is reading…
Maximising CGT exemptions on your main residence
As financial planners and accountants we‟re often asked by our clients about the
ramifications of moving out of their current place of residence „main residence‟
and the tax impact they will incur when the property is sold.
It‟s important to make your clients aware that capital gains tax (CGT) legislation
exempts the „main residence‟ from CGT and that exemption can continue if the
home is temporarily vacated.
A „main residence‟ technically refers to a dwelling and is typically a house, unit or
apartment (together with any associated land).
So what factors determine whether a dwelling qualifies as a ‘main residence’?
Your client will also need to be aware of the following in applying for a „main
residence‟ tax exemption;
only one dwelling can be classified as a „main residence‟ regardless of how
many properties are owned
whether or not the dwelling was purchased with an existing tenant or
remains as a rental. It cannot be deemed a „main residence‟ until
occupied by the owner
obtaining the exemption will rely on providing proof that the dwelling
actually exists
The following provides some scenarios of CGT exemptions that may be applicable to
your client’s needs.
duration of residency. There is no minimum
period a person needs to live in a home
before it is considered a „main residence‟
intention to reside within the dwelling
whether the individual‟s family also resides
there
the address both postal and on the
electoral role needs to be in line with the
dwelling
whether the dwelling contains personal
property and belongings, i.e. furniture
whether supply services such as phone, gas
and electricity are connected allowing the
residence to be occupied
Source: Financial Standard, January 2013 and Financial Planning Magazine June 20122: Lisa
Limited time offer for your clients - exceptional motor vehicle finance
We are pleased to confirm exceptional rates on finance for your client‟s motor
vehicles. Sharon Piening at Westpac can offer your clients nationwide the following:
• An exceptionally low rate of 5.90%;
• Pre-approval of up to $150,000 for Medical Professionals;
• Outstanding, personalised service and rapid turn-around of
documentation.
Sharon has never been beaten on
providing Bongiorno Group clients with a
comprehensive motor finance package
that is tailored best for their individual
needs. Clients have consistently expressed
delight with her professional and friendly
service.
Save your clients both time and money by
introducing them to Kaine Ransom from
Autobrokers Australia. Kane has assisted
Bongiorno Group clients in finding their ideal
wheels for the past three years and is highly
regarded as sourcing the best deals around
the country.
Operating nationwide, Kaine takes pride in delivering a highly personalised service to
his clients, including;
• Sourcing quotes from dealers (saving your clients time and the “hard sell”
from the car dealer)
• Delivering cars to your clients for a test drive (or having the dealer deliver
the car to your client if not Victorian based)
• Coordinating a trade-in valuation
• Coordination of the purchase
• No charge at all to your client for the above services (the car dealer
directly pays Kaine a flat referral fee)
Kaine and Sharon have worked closely together over the years and completely
understand the exceptional service your clients deserve. You can be confident that
they will turn your client‟s pursuit of a new vehicle into a very pleasurable, time and
money saving experience.
Kaine and Sharon look forward to hearing from you.
Sharon Piening
Equipment Finance Manager, Westpac
M 0408 526 238
Kaine Ransom
Owner, Autobrokers Australia
M 0418 597 800
Keith Abraham – Pursuing your Passion
Most people spend their lives earning a living instead of designing a life. Which is it for
you? In the next few paragraphs my goal is to prompt you to ask yourself how much
time you plan for your own life. In actual fact you may have more questions than
answers when you finish reading this article.
Do you have a passion or a love for life? You see, not everyone leads their life the
way they choose, they just get by, not ahead. Here are 8 steps to consider if you
want to achieve your potential and be continually fulfilled in the process.
1. Dare to be Different
Statistics tell us that only 3% people sit down and write out their goals. So if you want
to be different write out your life plan. Where do you want to be in 10 years? Before
you say, “That is years away!”, think about your age and then take off 10 years. Ask
yourself, was that so long ago?
3. Discover your Passion
What is your passion? What do you love to do? I think we all have passions but as we
go through our lives they become stifled and die. The one thing I know about people
who pursue their passion is that they have an energy and enthusiasm for life. Your
passion could be a hobby, a sport or an activity you loved to do as a child. Pursuing
your passion fuels your fire which motivates and inspires you to go on.
4. Destination to Pursue
What is your current destination? You wouldn‟t get on a flight not knowing where
your final destination was going to be, but how many people go through life with no
flight plan? Where are you going in the next 12 months, 2 years, 5 years or the next 10
years? Have you mapped out your flight plan?
5. Design your Plan
The great by-product of being disciplined is that our self-esteem is enhanced. What
action steps are you going to take today?
2. Desire to Change
Nothing happens until someone changes
something. What do you need to
change to tap into your current
opportunities and your true potential? I
believe that if you want to master
change, then all you have to do is make
a small change this week that will effect
next week. If you continue to do these
small changes then you will perfect
whatever you are trying to change or
improve upon.
Once you know your destination, then you need to
have a month-by-month plan to follow. What are
you doing this month to pursue your goals? Every
task or goal broken down into small steps becomes
easier to achieve over time. If you remember to put
these small steps in place it will make a huge
difference to your level of focus.
6. Discipline to do it
Good intentions won‟t make it happen for you.
Sooner or later you need to take action. You need
to be disciplined to follow through with your plan of
action.
7. Develop Yourself
If you don‟t spend time, energy and money developing yourself, then you are a poor
judge of a good investment. What have you done in the last 12 months to develop
your skills and enhance your knowledge? Jim Rohn has a great quote, “Formal
education will make you a living, but self education will make you a fortune”.
Remember it is OK to stop, rest and celebrate where you have come from. You
determine whether the roadblock will be a setback or simply a stepping-stone! I
grew up as a young man with no goals, no direction and no desire. I‟m glad that I
have implemented these 8 “D‟s” into my life over the past 16 years. As adults we
don't stop enough and think about where we are going because we sometimes are
too busy thinking about our family, our team and our businesses. I hope these 8
points have made you think about where you are in your life now and where you
want to be in the future. Give something back to yourself, so you can reap the
rewards for years to come.
Top 10 – are you in the top ten of our network?
8. Determination to Achieve
Whenever you set a goal, you will be
challenged by life. Roadblocks will be put
in front of you to test you, to see if you are
really serious about the goals you want to
achieve. This is when you need to be
determined to achieve what you have
set out to accomplish.
Tony Tech Head
It's genius, really. It's an app that can get your pictures from your iPhone and bring it
to your iPad or computer. Or get pictures from your computer and bring them to
your iPad or iPhone. Or...yeah you get the point. It's wireless photo syncing that
Apple should have implemented to iOS a long, long time ago. Working over Wi-Fi
and Bluetooth, it's fast! Grab your pictures and go!
Great for people who take a lot of pictures on their iPhone (think lunches, babies,
girl‟s nights out and “my morning workout”). People who want to see their lovely
pictures on their iPad. People who think having to plug in to a computer to sync is
just so 2011.
PhotoSync is heralded to be better than its alternatives as other apps use a
workaround with a Dropbox set up. There‟s also no limit to how many transfers you
can do at one time. Absolutely better than using Apple's prehistoric method of
plugging in and iTunes.
Although this particular design is only available to Apple products, Android also has
a highly celebrated and similar app that is also receiving great feedback.
PhotoSync
How do you get your awesome iPhone pictures onto your
computer? Plug it in? No! That's beyond annoying.
Instead, use PhotoSync for iPhone and iPad. It wirelessly
transfers photos to and from your iOS device and
computer. No cables allowed.
This month‟s Tony Tech Head should really be Julie Tech
Head, as she‟s an avid user of this application. “I use it ALL
the time”, she says.
ProLoan Is Listening to…
Shawn Achor: The happy secret to better work
Shawn Achor is the winner of over a dozen distinguished teaching awards at
Harvard University, where he delivered lectures on positive psychology in the most
popular class at Harvard.
Shawn outlines five simple ways to train your brain to become more positive in 2
minutes every day, for 21 days in a row. These changes have a ripple effect that
creates a lasting positive change on the way you behave:
1. Three Gratitude’s – write down three new things you are grateful for each
day.
2. Journaling – write down one positive experience you have had over the past
24 hours each day. This allows your brain to relive the moment.
3. Exercise – teaches your brain that your behaviour matters.
4. Meditation – allows your brain to get over the ADHD that we‟ve been
creating by doing multiple tasks all at once and to focus on the task at hand.
5. Random Acts of Kindness – do one positive thing each day, like opening your
outlook and writing one positive email praising or thanking someone in your
social support network.
He is the CEO of Good Think Inc., a
Cambridge-based consulting firm which
researches positive outliers -- people who
are well above average -- to understand
where human potential, success and
happiness intersect. Based on his
research and 12 years of experience at
Harvard, he clearly and humorously
describes to organizations how to
increase happiness and meaning, raise
success rates and profitability, and
create positive transformations that
ripple into more successful cultures.
This exercise reverses the traditional
“formula of happiness and success” and
instead creates ripples of success and
can lead to a real revolution.
If you have a spare 12 minutes of your
day, sit down and listen to Shawn. He‟s
pretty entertaining too, you can check
him here. Give yourself a 21 day
challenge and take part in a revolution.
ProLoan Is Reading…
Tell to Win: Connect, Persuade, and Triumph with the Hidden Power of Story by Peter
Guber
Today everyone, whether they know it or not, is in the emotional transportation
business. More and more, success is won by creating compelling stories that have
the power to move partners, shareholders, customers, and employees to action.
Simply put, if you can‟t tell it, you can‟t sell it. Tell to Win tells you how to do both.
Indeed, what began as knack for telling stories in the entertainment industry
executive has evolved into a set of principles that anyone can use to achieve their
goals.
In Tell to Win, Guber shows how to move beyond soulless Power Point slides, facts,
and figures to create purposeful stories that can serve as powerful calls to action.
Among his techniques:
• Capture your audience‟s attention first, fast and foremost
• Motivate your listeners by demonstrating authenticity
• Build your tell around “what‟s in it for them”
• Change passive listeners into active participants
• Use “state-of-the-heart” technology online and offline to make sure
audience commitment remains strong
To validate the power of telling purposeful stories, Guber includes in this book a
remarkably diverse number of “voices”, master tellers with whom he‟s shared
experiences. They include YouTube founder Chad Hurley, NBA champion Pat Riley,
“Mission to Mars” scientist Gentry Lee, former South African president Nelson
Mandela, film director Steven Spielberg, novelist Nora Roberts, and rock legend
Gene Simmons, and these are just a handful.
Tony has always been a huge advocate for great storytelling. To learn how to craft,
deliver, and own a story that is truly compelling and capable of turning others into
viral advocates for your goal, you can find Tell to Win here.
Historically, stories have always been
instigators of action, moving people
to do things. Only recently it has
become clear that purposeful stories,
those created with a specific mission
in mind, are absolutely essential in
persuading others to support a vision,
dream or cause.
Peter Guber, whose executive and
entrepreneurial accomplishments
have made him a success in multiple
industries, has long relied on
purposeful storytelling to motivate, win
over, shape, engage and sell.
Disclaimer: As this newsletter has been prepared without taking account of your objectives, financial situation or needs, you
should consider the appropriateness of this advice before acting on it. As this newsletter relates to general advice and ideas
of acquiring a financial product, you should obtain a Credit Terms / Product Disclosure Statement before deciding to
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