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HOW TO STOP ZOMBIES FROM EATING INTO YOUR LIFE SAVINGS

These additional insurances, (like Income Protection), can often only be claimed through one policy.

What does this mean?

It means that you are paying premiums for insurance that will never pay out.
That’s what we call Zombie Insurance.

The Productivity Commission reported that $2 billion is being spent annually on duplicate Life Insurance policies. Yes! You read that right. $2 billion! The same amount that Chadstone Shopping Centre announced in annual sales. It’s a haunting amount which is impacting people without them even realising.
“While many members are getting aff

ordable life insurance through their super, some end up with cover that is manifestly unsuitable, including ‘zombie’ insurance policies they can’t even claim on. And many unknowingly have duplicate insurance policies, which can erode their super balances at retirement by over $50,000,” commissioner Angela MacRae said.

From 2016-2017 alone, $1.9 billion in excess insurance premiums were shelled out, making multiple insurance premiums paid due to unintended multiple superannuation accounts the leading contributor of balance erosion.

The Commission’s Report flags income protection as a distinct and problematic area.
This is because Members who are not working cannot claim, as they do not have an income to offset. This is information that is not clearly disclosed, and many Members are being left in the dark as a consequence.

What’s more is that having multiple income protection covers restricts the ability to claim because payments from one policy reduce eligibility to claim against another, and total payments cannot exceed a set proportion of pre-existing income.
It’s important to understand that what you have included and what you need included in your Superannuation Policy may be two completely different things.
Be aware.
Be prepared.
Be proactive, and talk to the experts.
It’s time to stop spending money on unnecessary Zombie Insurance, and have the team at Partners In Planning review your situation obligation free.
The offer is valid for all chocolate moneyour clients. Zombies not included.

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Have You Grown Tired of Fighting That Unwanted Belly Fat?

If you have been fighting to get rid of unwanted belly fat and it seems like no matter what you try you are not seeing the results that you desire, here is a great way to watch that unwanted belly fat melt away. Research has shown that Chirositol works to normalize the blood sugar and insulin levels and therefore can offer in the fight against unwanted belly flab and other unwanted ailments like acne, facial hair growth, elevated androgens, insulin resistance, and diabetes. Lorna Vanderhaeghe products have harnessed the power of Chirositol into her product Glucosmart. This product can be found on Vitasave. The Chirositol mimics the activity of the insulin and begins to control the glucose levels, the storage of the glucose, and it’s interaction with the cell. The best part is that if you don’t have high blood sugar and you take Glucosmart from Vitasave, you will not have to worry that it will lower your blood sugar from normal blood sugar levels.

What else can it do?

Chirositol will also elevate serotonin, which is the happy hormone. If you are experiencing low serotonin levels or a poor metabolism of the serotonin in your body, this leads to those crazy sugar cravings. When the serotonin and blood sugar are balanced, you will be able to control your appetite.

What are the benefits of using Glucosmart from Vitasave?

Like other Lorna Vanderhaeghe products, glucosmart has many advantages. The vantages of taking this product include:

- Decrease in belly fat for both men and women

- Assistance in losing weight

- Leveling out the blood sugar levels and the glucose levels to normal

- Great for reducing the chances of getting diabetes

- Enhances the happy hormone, serotonin

- Reduces those sugar cravings

- Stops skin tags that are associated with pre-diabetes

- Halts Polycystic Ovarian Syndrome

- Controls the level of elevated testosterone that cause facial hair in women

- Made for both men and women

As you can see, this Vitasave product is very useful and can prevent some hardship in the future. Diabetes is a global epidemic. Many people have to deal with diabetes every day. They have to take medication and possibly even insulin shots to control the levels of sugar in their blood. Don’t put yourself in this predicament and protect your health by taking care of the problem now. You can benefit from using this product even if you don’t have problems with your weight or diabetes.

Vitasave is the leading health and beauty supplier based out of Canada. You can get this and many other products from visiting their website. Take advantage of their discounts and free shipping.

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4 Different Types of Tea You Didn’t Know About

We’ve all had (or at least heard of) a nice iced tea, green tea, English breakfast, and spicy chai. But these are some of the more popular types of tea out there.

Did you know that there are hundreds of different types of tea? You’re not limited to the chamomile you buy at the store — tea can be made of almost anything and provide a myriad of health benefits to those who drink it!

In this post, we’re going to be looking at 4 different types of tea that you probably didn’t know about. Who knows — maybe you’ll discover your new favorite drink! Maybe because of the taste, maybe because of the ways they will help your body, mind and overall wellness! Let’s dive in.

Mushroom Tea
Did you know that mushroom tea has been around for thousands of years? It was often used by monks in order to calm the mind, focus, and stay grounded to the Earth.

Many cultures around the world depend on mushrooms for health and medicinal treatment methods. However, mushroom tea is now also becoming more mainstream with people all over the world finding the many benefits of these teas, including:

Anxiety reduction
Improved focus
Natural energy (without the crash caffeine brings!)
Relaxation and serenity
Balance
Connection with the Earth
Some studies have even linked the adaptogens in mushrooms to helping patients during cancer treatments and improving the immune system.

If the taste of mushrooms doesn’t excite you, no worries. Mushroom tea can be delicious and paired with a variety of familiar flavors and spices like chai, cinnamon, turmeric, and more.

Yerba Mate
You might’ve seen “yerba mate” making the rounds on some energy drinks, and that’s because it’s packed full of energy in the form of caffeine. The caffeine in yerba mate is completely natural, making it one of the few plants to naturally produce the energy-boosting chemical.

Yerba mate is a tea made from an herb native to South America. Traditionally, it was used to help increase the stamina of the local people while they worked. It was relied upon so heavily that it was dubbed “an herb of the gods.”

With a slightly bitter taste, this interesting type of tea can keep you going all day long.

Maple Tea
Not much to explain with this one. Maple tea originated from, you guessed it, Canada!

Using twigs, leaves, and other parts of the maple tree can provide you with a sweet and earthy tea that tastes like a dessert! Be warned though: it has a very strong maple taste. So if you don’t have a sweet tooth or maple isn’t your favorite, this won’t be the type of tea for you.

Panda Dung Tea
Let’s keep things interesting, shall we? We’re going from the delicious and sweet maple tea to something with “dung” in the title.

Panda dung tea is considered a delicacy in many parts of the world, and it’s one of the most expensive teas you can buy. 50 grams of this stuff will cost you a whopping $3,500… and that only makes about 16 cups of tea! That’s over 200 dollars per cup!

Why are people drinking panda dung tea? Well, the panda’s digestive system is pretty poor — they only digest about 30 percent of what they eat.

That means that their dung is loaded with vitamins and nutrients that can provide a ton of health benefits… if you want to drink their dung, that is.

The teas don’t stop here. We encourage you to explore what flavors you like and try something new or out of the box!

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