Western Leader : February 10th 2011
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PQvwkvkqp HGGU 272: ;48486 O VISI O W BSI WWW W enrol now GFWECVKQP HQT GXGT[QPG S HOL RSHIPS V IL BLE O DITIO S PPLY CKL N | WH K ĀN | WH NG I M LB C MP S, SI NI C N 1, 95 C ING ON , B IL ING 8, CKL N ENROL NOW FOR 2011 Contact us today; text or phone George Perenara on 027 605 0058 All courses are subject to student numbers, confrmation and accreditation. Every effort has been made to ensure that the content of this advert is correct at the time of print. CERTIFICATE IN CABLE LOGGING LEVEL 3 Duration: 40 weeks per year | Start: March 2011 | Fees apply This programme is an industry-based, practical programme designed to help you train for a career in the forestry industry. It will provide you with the skills and knowledge you'll need to begin working in a cable logging crew. In this programme, you'll learn about: • cable logging systems, processes and capabilities • how to apply what you've learned in a practical, real-world forestry or logging operation. 0800 355 553 I www.twoa.ac.nz TAM011B Education& trainingAdvertising Feature Financial literacy in schools By ALLISTAR WALKER Is school the right place to teach our kids financial literacy and financial coping skills or should they be left up to themselves to seek out the appropriate infor- mation? I believe that financial coaching should be an integral part of the edu- cation process. Isn't the purpose of school to prepare us for working life, of which reading, writing and maths are but one part? Maybe the syllabus needs to be extended and outside experts could be brought in to teach finance and lifestyle skills, which are essen- tial to our economic wellbeing. If these skills were better understood would we have 80 percent of our population retiring with insufficient cash of their own? Would we have had people lose so much money with the likes of Blue Chip and Hanover? Would we have people getting seriously ill or dying without some sort of insurance protection plan in place? Would so many people have uninsured prop- erty? Above all, our savings record would not be one of the worst in the west- ern world. Financial literacy in schools is no longer an option, it is a necessity. In my work as a mort- gage and insurance adviser, I all too often see little evidence of informed budgeting or a life plan setting out realistically achievable financial goals. Ifyouareasoldasme, you will remember the old Post Office Savings Bank collecting savings at school before ASB came along and did a similar thing. These sorts of things create habits, which are best imbued in us when we are young. Children's eyes can be opened to what is achiev- able in later business or working life. Surely it is just as important to show how the prudent use of money can provide the fuel for the dream. Money is not the root of all evil, but improper use of it can be. We are in the process of modifying our seminar series for employees as we have found that those with good money habits are better and happier workers. Many adults comment that the sort of thing we do should be taught in schools, almost accusing the system of being neg- ligent toward their edu- cation. The habit is the key and so many of our habits are formed as we are formed. Being into a new year and a new decade, it is timely to plan ahead to avoid nasty surprises at certain times of the year and in future years. Do you need to consoli- date debt because of past overspending - it is easier to repay one debt than six or seven? Consolidation though, is not always the best solution as it can attract more fees and dig the hole deeper. Have you budgeted for a reserve funds' account, or checked that you are not paying too much for the likes of insurances and mortgages or loans? An unbiased broker or adviser like us could be a first step in this process toward a solution. The pace of change and increased consumer temptations make budgeting and a living lifestyle plan essential in today's environment -- essential that is if you wish to make the most of your potential. Iwouldgosofarasto say, even more import- ant than some of the stuff taught at school, as one's financial nous will determine how far one goes in life and be able to survive a long retire- ment. Care has been taken to ensure that any infor- mation is accurate. No liability is accepted for its use. Enquiries are welcome. Allistar Walker is a Senior Fellow of Financial Services Institute of Australasia and an accredited mortgage/ insurance advisor. His full disclosure is available free at www.mortgage help.co.nz or he can be contacted at 410 6023 and enquiry@mortgage help.co.nz. Review looks for drowning answers Six children under the age of five have drowned in New Zealand so far during 2011. This represents nearly a quarter of the total drowning toll of 26. In 2010 only six pre- school children drowned and the average number over the previous five years is eight. Following this alar- ming number of inci- dents involving small children in such a short period of time, Water Safety New Zealand (WSNZ) is conducting a review to consider the circumstances surround- ing all preschool drow- ning deaths in the last five years. It is expected that the review will consider cur- rent strategies and actions before making recommendations. WSNZ general man- ager, Matt Claridge says, Preschool drowning incidents in New Zea- land occur at an unac- ceptable rate. The recent spate of these makes it all the more difficult for parents, caregivers, lifeguards and others who all have a role to play in supervision, be it in the home, at pools or open spaces.'' There is no question that the most important message for parents is to supervise children when in or around water. There has been a consoli- dation of effort with regard to reminding parents of this message, but it appears we need to take a closer look at that strategy to see if some- thing needs to change.'' WSNZ and Plunket are partnering to deliver over 50,000 bathmats to parents of new born chil- dren every year. The bathmats carry the supervision message and are distributed at the first Well-Child visit. Sue Campbell, Plunket national safety advisor says, The bathmats and subsequent discussion with parents about drowning prevention measures go some way to increase awareness but we need to find other ways to get the message across to parents and caregivers that young children need to be kept within grabbing distance and constantly super- vised around all forms of water at all times.'' WSNZ will seek to implement any findings as soon as practical, along with its efforts to ensure all New Zealand- ers understand their role when looking after small children around water. These recent drown- ings are a reminder for parents and caregivers of their supervision oblig- ations,'' Claridge says.
February 8th 2011
February 11th 2011