Edition No. 1 | 29 November 2010

Welcome to this edition of our newsletter.

The lead-up to Christmas is a busy time - decorations are dusted off, food lists are being drawn-up and everyone is emptying their wallets.

As we anticipate the festivities and become a little cheerier, it’s important to keep the welfare of our loved ones (both now and in the future).

This issue gives you ideas and things to consider when buying gifts for family and friends, as well as planning your finances in 2011. If you’re interested in reviewing your current situation and setting financial goals for the New Year, please contact us.

We would really appreciate your feedback on this newsletter service, so if you have time please complete the short online questionnaire.Please click here to respond to the questionnaire.

The season of giving

Christmas is the time for being thankful for what we have, but also a chance to give to those less fortunate.

It’s the time of the year when we start laying plans to get together with friends and family for Christmas and to watch the clock tick over into the New Year.

Great silly season savings tips

With Christmas and New Year fast approaching, it’s more important than ever to manage your expenses and keep within your means.

Here are 20 great savings tips to help your dollar go further during the silly season!

The price of education

The cost of educating children keeps rising, but there are ways to ensure you can give them everything – and maintain your current lifestyle too!

Get organised and get ahead

This article illustrates how a 42 year old used her scattered super to start investing to make sure she has more than enough when she retires.

Inside hedge funds

Hedge funds are managed differently from traditional funds and come with their own risks and rewards.

In this edition

	The season of giving
	Great silly season savings tips
	The price of education
	Get organised and get ahead
	Inside hedge funds

Phone
(02) 6363 1700
Fax
(02) 6363 1300
Email
Email Us
Website
iChart Financial Solutions
Address
75 Kite Street
Orange
NSW 2800

	Register \| Feedback
Central West Financial Solutions Pty Ltd ABN 32 055 451 262, trading as Central West Financial Solutions,is an authorised representative of AMP Financial Planning Pty Limited ABN 89 051 208 327 AFS Licence No. 232706 Level 8, 33 Alfred Street Sydney NSW 2000 Australia This email, including any attachments may contain information that is confidential and commercially sensitive. Unintended Recipient: If you are not the intended recipient you must not read, use, disseminate, distribute or copy any part of this email, disclose its contents to any other party, or take any action in reliance on it. If you have received this email in error please contact the sender immediately and delete this email. Paper copies of documents: You can request a paper copy of documents attached to this email by calling our office. Any advice or compliance documents will be mailed to you free of charge. This email contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider you financial situation and needs before making any decisions based on this information. Liability limited by a scheme approved under Professional Standards Legislation