November 2020 Newsletter

As summer & Christmas is nearly with us & 2020 is about to come to a close, we would all acknowledge it has been a year like no other year. With the unwanted arrival of COVID-19 we saw 2020 change all of our lives in some way, some for a short period, some people & companies are now starting to come out the other side, some have experienced growth in their business & opportunities & some are still locked into the unknown & life & business changes COVID-19 has delivered.

However, we can not dwell entirely on the downside of COVID-19, we can all be rightly proud of where NZ globally sits at present as we now work our way in what post-COVID-19 may look like. We can proudly reflect what our role has been in been part of a proud nation to deliver so many positives & why the NZ passport is viewed globally as a “Gold Medal” passport. This highlights the strength of NZ as a preferred country to call home.

In the main, we have community control of COVID-19 and yes, with some “blips” at the border which can realistically be expected with a large number of Kiwis etc returning home. When we were faced with a “new experience”, the reality is New Zealand & New Zealanders have all played a role to get us back to a life of 95% normality. COVID-19 is not going away anytime soon but we have sound internal controls & tracing and not many countries are doing that. Compare that with the UK, Europe & USA & Melbourne.

We have had an election, and taking into account whatever individual political preferences we may have we have strong political stability which as a key to the COVID 19 financial recovery. Compare that to what we are seeing every day in the USA & now becoming a concern in the UK, France & Germany.

Lower than ever interest rates for home buyers & Yes acknowledging in that house prices are climbing daily are a concern but highlight the strength of  NZ as a preferred country to call home  & the market interest.

Financial market predictions for SME’s & the post-COVID-19 business recovery & jobs is more positive than earlier predictions & we saw examples of that in September end quarter numbers & Kiwisaver funds have in the main “bounced back” to pre COVID-19.

We have live sports, concerts & social gatherings with crowds & can go to the movies—One of the few countries in the world that can do that.

We can go to restaurants, shopping malls & move around freely virtually “mask free” & we have the ability & encouragement to travel around our wonderful country & visit some of the best scenic journeys around the world & in doing so support our hard-hit tourism & hospitality sector – try doing that in the UK & parts of Europe at present.

The All Blacks are going well (a slight hiccup on the weekend) with the Silver Ferns in front of supportive crowds along with numerous other Kiwis in various sports around the globe. Again, our small country is a dominant performer in so many sporting arenas.

We are about to see a full summer of international cricket & other summer sports & of course America’s Cup once they sort out their “normal” America’s Cup feuds & we can be part of the live-action -not many countries doing that. We are even going to see the historic Melbourne Cup been held on the first Tuesday of November with no crowds at Flemington whereas here in NZ we had thousands of people enjoying being part of the Melbourne cup scene at restaurants, race meetings & social gatherings around the country.

I am confident that we are about to see some border relaxation in the not too distant future between ourselves, Australia & the Pacific. As we hopefully relax our borders some countries around the world are tightening their borders.

I am delighted & proud of what New Zealanders & our country have achieved in this year we can never forget & we can look forward with pride & a positive mindset on our future in Aotearoa a “Global Jewel” in these trying times. Well done & best wishes & good luck to all & stay positive we have good times ahead.

Kevin – Mobile (027) 204 4301 or E-Mail kevinh@apexgroup.co.nz

Regards & thanks,

Kevin.

P.S. If you are in business, then you really do need to protect yourself with some form of insurance. Download my free resource on the 10 Reasons to have Insurance if you are in Business. Grab your copy here

Can you actually strengthen your self-discipline?

Is discipline holding you back from your wellbeing goals? We ask a few AIA Vitality ambassadors to weigh in on how we can develop better self-discipline and impulse control. We know that we need to eat better, move more, spend less time on screens and more…

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Updates from AIA & AIA Vitality -New Zealand’s No 1 Life Insurer

710,000 Kiwis are protected with AIA cover, 94% of claims lodged with AIA over the last 12 were settled & paid by AIA NZ, AIA in the 2019 year paid out $NZ613 million in claims, AIA paid $85 million in claims during the March/April lockdown…

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Advice for sole traders struggling with debt

Being in debt can be a normal part of being in business. But it’s important to know how much debt is too much for you. Read on for advice about: how to spot warning signs, ways to get back on track, government financial support for sole traders…

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Is Your To-Do List Incredibly Long?

Do you have a task list from the floor to the ceiling? Is it overwhelming you? You’re not alone — lots of people have this problem. If we’re fairly organised, our task list has everything we could possibly want to do on it, and it’ll get longer an…

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August 2020 Newsletter

The challenging times with COVID-19 are certainly still with us & who knows how long this unwanted global pandemic will remain with us is anyone’s guess there are stories, predictions, social media speculation & stories virtually on the hour every day along with a host of media commentary speculating their newly found medical knowledge on all aspects COVID-19. And, then throw in a forthcoming election, this delivers trying times for all New Zealanders with so much uncertainty around jobs, household & business incomes education & economic outcomes over the next couple of years & most importantly our general well being of ourselves & our family. We can but only hope that over the next few weeks we can return to a level of normality whatever that future normality may be or what it may look like.

One of the upsides of the “Lockdown” has certainly seen New Zealanders out & about travelling around our great little country & supporting the local business operators & long may this continue. We are seeing New Zealanders enjoying travel & holidays in a local environment that was very much the norm in years gone by & we are so lucky to have so many great places & attractions to enjoy & also instil some very much needed funds into local economies & confidence back into the country.

I for one & soon to embark upon a “first-time” experience which both Marlene & I are looking forward to as we fly into Christchurch & pick up a Maui Campervan & start on a tour of the South Island, to places like Westport, then driving down the coast & then visiting a number of our great scenic locations through to Milford Sound  & spending time in & around Central Otago & no doubt on our journey we will meet up with numerous Kiwis enjoying the same unique scenic locations New Zealand offers. I can certainly say that without the “stay at home” life we have at present we may well have never taken the opportunity to have a good look around “Postcard New Zealand”.

At Apex we have certainly seen those levels of uncertainty evident in & around clients risk protection. their mortgage, Kiwisaver & Investments & that is totally understandable however we are totally committed to work, advice & assist with all of our clients in these challenging times. I am only a phone call away to assist & advise.

There are also a number of people who are feeling the pressure that these challenging times bring & we know only too well that can be the catalyst for anxiety, depression & stress. It is so important that if we have that concern or we know of friends or family who may be feeling those unwanted pressure that we talk, pick up the phone & have a chat, go out for a coffee but don’t “bottle it up” talk to someone & I am only too happy for anyone that just wants to have a chat I am always more than happy to have a chat.

Or you may like to take a look at the Sir John Kirwan App ‘Mentemia’. Well worth signing up to this App, the Mentemia App is part of the AIA Vitality program.

My contact details are below, look after yourselves & your family, stay positive the good times are coming & please any assistance, advice you may want please just contact me.

Kevin – Mobile (027) 204 4301 or E-Mail kevinh@apexgroup.co.nz

Regards & thanks,

Kevin.

P.S. If you are in business, then you really do need to protect yourself with some form of insurance. Download my free resource on the 10 Reasons to have Insurance if you are in Business. Grab your copy here

11 Reasons to take up Business Coaching

A colleague & client of mine John Francis who is a well-known business coach & business mentor in Auckland has put together the benefits a business coach can bring to our business, our business activity & our wellbeing & with this “bullet point”…

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This is Cecilia’s story

We know insurance premiums are a significant expense for most Kiwis. Most premiums would go up as we get older, that’s just how insurance works. But we also know how important it is to be covered. When our clients are facing affordability issues, we…

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The Power Of Exercise

We have all heard the lecture that we should be more active, and to get more exercise. But did you know that exercise does more than help you lose weight? According to recent research, it can also help to protect against cancer, stroke, heart…

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Making Time for Some Solitude

How often do you take time to go out for an hourlong walk? To just sit out in nature doing nothing but contemplating and enjoying the silence? Sure, there are a few of you who indulge in this luxury regularly, but most of us don’t make time for…

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July 2020 Newsletter

As our COVID-19 lockdown is behind us & life is returning to normality & day to day life goes on. We can reflect on this changing event that was a unique event for New Zealand we can sit back now & ponder & discuss as the media are doing hourly on what went right & what went wrong & the “issues” as opinionated at the border & the good the bad & the ugly around isolation.

But, at the end of the day at this point, we have come through this pandemic far better than so many other countries, thanks to everyone’s efforts & care. Certainly, I acknowledge the hardship & challenges it has delivered with people’s loss of jobs, redundancies, loss of income for business owners & some of the self-employed sector. The stark reality is for us resilient Kiwis it is time for us as a nation to move on with a positive attitude, we know there are changes with unknown time frames with overseas tourism, hospitality & retail & household spending is under some pressure & these situations bring imposed change to many.

The economic commentary & outlook is been described as somewhat brighter & more positive than were the early indications, which is a positive & let’s hope that is a reality in the medium to longer-term & we can all play a role in this & come out the other side better people & a better country doing better things…

  • Shop local
  • NZ Travel
  • Look & talk about opportunities
  • Look at where & how you can run a more cost-effective household or business
  • If you want or need advice, seek it & seek it from a qualified source
  • Be positive that costs nothing but can deliver a lot
  • Make sure we have a financial plan & financial “safety valve” in the event of an unplanned & tragic event

I urge people as we work through the changes that you take a good look at your financial plan & financial “safety valve”. If the “What if” was to happen to you, your family or your business you have the peace of mind that you have a risk protection plan that will make sure that any financial stress is not an outcome of the “What if ” occurrence.

Please feel free to contact me for advice to discuss your “peace of mind” risk protection plan & if you have a family member or friend, neighbour or business colleague that you feel my experienced advice would be of benefit to them just contact me, all my contact details are below.

Kevin – Mobile (027) 204 4301 or E-Mail kevinh@apexgroup.co.nz

Regards & thanks,

Kevin.

P.S. If you are in business, then you really do need to protect yourself with some form of insurance. Download my free resource on the 10 Reasons to have Insurance if you are in Business. Grab your copy here

What is our greatest asset? Is it our house, our car, or our income?

Phil aged 41 & Amy aged 39 & their 2 children Nathan aged 11 & Trudi aged 9 lived in a normal happy family life in Napier Phil worked in middle management in the IT industry earning $90,000 per annum (Nett $64,529 after tax & Kiwisaver contribution per…

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Insurance Spotlight March 2020 – Financial Services Council

We hear often hear, read & see in some media platforms that insurance companies just reel in the money & payout very little in the way of claims. However, Risk Protection insurance plays a significant role in the NZ economy, in the year ending 31-03-2020 the insurance companies in NZ paid out $NZ1.49 billion in risk protection claims to clients as published by the NZ Financial Services Council & at Apex alone in the month of June 2020 we managed just on $700,000 of paid claims to our clients (Not counting medical insurance claims). The information from the NZ Financial Services Council with their “Spotlight on Insurance” gives you an insight & overview of the role risk protection insurance plays in our country of 5,000,000…

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How To Stay Healthy When You’re Stressed At Work

Some days it is easy to think that stress is a part of daily life. When you are busy at work and there are deadlines to meet, it is hard to feel anything but stressed. Suddenly you find yourself reaching for the wrong foods, not sleeping well and getting…

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June 2020 Newsletter

It’s been a unique, unusual, and distressing time over the last few months, but New Zealanders have held tough and remained resolute in our “Team of 5 million” to work hard to stamp out COVID-19 & every Kiwi has played a key role to achieve that goal & all Kiwis deserve a “pat on the back” for their efforts.

We now enter an even more challenging time than we have ever experienced, with uncertainly around jobs, possible reduced turnover & personal income & market uncertainty & we can all now play a role in helping each other to drive our economy, positivity and strengthen our country back to where it was and stretch to even greater heights, New Zealand has a proud history of moving past harsh & challenging times & doing our bit to make NZ the great country it is.

We believe we will again achieve a positive outcome, it will not happen overnight but with each of us with a positive attitude, we will achieve this.

At these times it is imperative we have a sound risk protection plan & it will deliver to your expectations at claim time. I am there to assist & advise you & the team at Apex are there to assist & advise with the full suite of financial services, advice & assistance.

Please just contact me & I welcome the opportunity to have a chat.

Kevin – Mobile (027) 204 4301 or E-Mail kevinh@apexgroup.co.nz

Regards & thanks,

Kevin.

P.S. If you are in business, then you really do need to protect yourself with some form of insurance. Download my free resource on the 10 Reasons to have Insurance if you are in Business. Grab your copy here

The Breakthrough – Podcast

The COVID-19 lockdown has seen so many of us working from home along with ZOOM meetings & other new methods of communication, it is fair to say that a number of us moved into this new style of work method as the unknown but now working from home has become an everyday occurrence that so many of us have enjoyed & maintained an excellent level of productivity & being able to get a good blend of work & life balance & working from home will no doubt become a normal reality for a large percentage of the workforce—I have included a Podcast from the “The Breakthrough” a NZ company owned by Ryan Castle & Dr Mike Ashby who specialise in leadership development & offer innovative, enjoyable & thought provoking methods to enhance our individual & leadership skills & outcomes—–I trust you enjoy their Podcast “How to make working from home work for you” & may I suggest have a look at the website wwwthebreakthrough.com & get a greater insight into the offerings & workings of The Breakthrough…

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Earn up to 2,000 AIA Vitality Points

Introducing Mentemia & Sir John Kirwan with a unique opportunity for your health & well being for AIA Vitality members. To those who may not be an AIA Vitality member it does not prevent you downloading the Mentemia App! Click for more…

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The Road To Success Has Many Twists And Turns

Rarely is the road to success in life a smooth and straight one. Even the most successful achievers experience setbacks and bumps along the way. It’s how you respond and deal with these challenges that’s important. And so if you want…

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May 2020 Newsletter

Welcome to our latest newsletter. The clouds are parting for us all, and we’re looking forward to working with you in a greater capacity now Level 4 restrictions have lifted & we start to move into some normality in our daily lives

Hopefully, we continue to see the downward trend of new cases of COVID-19 continues & the upward trend of recovered cases we will soon move to Level 2 & onto Level 1.

As the PM & others have continued to communicate the move to Level 2 & Level 1 has a high dependency on all Kiwis doing the right thing & sticking to the rules & guidelines. As 95% of us have done to date & I am sure that will continue going forward & will deliver NZ a great outcome in our control of COVID-19 & we can as a united country, start to restore confidence  & rebuild the uniqueness of our great little country 

During Level 4 lockdown we have seen so many things change & become normal day to day activity, & hopefully what will continue…

  • Zoom conversations have become part of our daily communications.
  • So many Kiwis have embarked upon baking & cooking will this become a normal trend & possibly in doing so reduce the supermarket weekly bill.
  • We have learned once again to have more “downtime & family time” this surely is a big plus on so many fronts.
  • Do companies need to have everyone working in a large office environment & can productivity & bottom line be enhanced by having the opportunity for some staff to work from home.  
  • Far less traffic on our roads which certainly has a number of positive outcomes

At Level 3 the Apex staff continue to work of-site but it is certainly business as usual. Myself & the Apex team are available to assist & advise so please make contact with me if we can assist you with your risk protection cover, your Kiwisaver or mortgage or investment portfolio or any insurance or financial services matter.

We appreciate your support and we look forward to your continued support & working with myself & Apex as we continue to move through these challenging times & look forward to positive times ahead. Please if you have any questions, queries or need advice in these changing times, please do not hesitate to contact me.

 

Kevin – Mobile (027) 204 4301 or E-Mail kevinh@apexgroup.co.nz

Regards & thanks,

Kevin.

P.S. If you are in business, then you really do need to protect yourself with some form of insurance. Download my free resource on the 10 Reasons to have Insurance if you are in Business. Grab your copy here

We Are NOW Ready For Your Insurance Requirements

After four weeks of lockdown, we are back up and running. The green light for Level 3, of course, has restrictions, but we are delighted to be back and serving you in the capacity allowed! Click to our website below to get in touch…

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Why supporting your local businesses helps us all

When thinking about why we should Shop Local, I believe the answer is obvious to many. There are resounding economic benefits of spending locally, of keeping the money in the local economy, of creating a resilient marketplace, of building a…

AIA Update – Covid-19

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April 2020 Newsletter

As we enter the halfway mark of the lockdown we need to applaud 99% of New Zealanders who are adhering to the Government Level 4  “lockdown” to do our bit for New Zealand to arrive at a positive outcome & rid the country of this rapidly spreading pandemic that has disrupted our lives, business & income & overall family living & lifestyle, it is challenging for all of us & I feel for all Kiwis who are going to be presented with so many unwanted & unexpectant challenges over the coming months.

A big thank you to that number of our fellow Kiwis who are working at the frontline in so many varied occupations especially those in the large numbers of roles in the healthcare sector & all the other Kiwis delivering essential & emergency services around Aotearoa —–Thank you.

Myself & Apex are fully aware that we are going to see individuals, families & business owners under unwanted financial & social & well-being pressure & we want to be able to assist in whatever way we can to lessen or lighten the burden that so many Kiwis will face & this newsletter is really to give you an update on what myself & Apex are doing & offering in the financial services & insurance sector to play our role & assist & where we can we are more than happy to offer advice & seek what assistance we can give during this challenging time. The goal is that we all come out the other side with a positive, virus-free, healthy, secure & a country that we all proud of & we return to as much as possible our normal lives, lifestyle, work & sporting activity.

What we must do to reduce the possibility of a continued lockdown is practice the words that are been put out in front of us every day by the Government & Dept of Health officials…

  • Stay safe
  • Stay Home
  • Be Kind
  • Stay well
  • Save Lives
  • Wash your hands
  • Stay in your “bubble”
  • Don’t travel
  • Get some exercise & fresh air near your dwelling
  • There is plenty of food for everyone
  • If you are feeling unwell visit a health clinic or see your GP
  • Make sure you explore the various subsidies & assistance packages that have been made available & what entitlements you or your business may have
  • Talk to your bank
  • Don’t be afraid to ask for help, advice or assistance NZ is there to help, assist & advice no matter how small or large the issue maybe, Kiwis are there to assist
  • Talk to me, I am there to help, assist & advice wherever I can all my contact details are in this newsletter.

Stay well & Stay safe & please do not hesitate to contact me & the team at Apex are there to help.

If I can or you wish me to assist you or your family & friends, I am only a phone call, text or e-mail away.

Kevin – Mobile (027) 204 4301 or E-Mail kevinh@apexgroup.co.nz

Regards & thanks,

Kevin.

P.S. If you are in business, then you really do need to protect yourself with some form of insurance. Download my free resource on the 10 Reasons to have Insurance if you are in Business. Grab your copy here

APEX AT YOUR SIDE SUGGESTIONS

Kiwisaver, there has been a lot of talk about what we should do with our Kiwisaver at Apex we have a Kiwisaver expert in Stephen France & he is able to offer you advice on your Kiwisaver fund whether you are an Apex client or not & this overview from…

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Covid-19 Business Continuity

Apex are committed to supporting our clients as the impact of the COVID-19 outbreak evolves. Below you will find details of our free Business Continuity Plan (BCP) template to help meet your business-critical needs during this period…

AIA Update – Covid-19

We want to ensure you remain informed about the developing Covid-19 situation, and our responses to this. Your insurance cover: Covid-19 has no impact on your insurance cover with us. Our insurance products do not contain exclusions for pandemics…

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Tips When Working From Home

We’re all in this together! While we are all at home following the rules laid down by the government here are some tips to keep in mind when working remotely…

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March 2020 Newsletter

This week we have seen history in NZ! Not the sort of history six months ago any of us were expecting as New Zealand goes into a virtual “lockdown” for at least the next month, it’s a very stressful and unpredictable time currently with Coronavirus Covid-19 affecting so many countries, economies, businesses and individuals – and it doesn’t look like disappearing anytime soon but I am sure with a united Kiwi effort we will repel this nasty virus over time & normality will return to our lives & day to day living & leisure & let’s hope with our united effort the wait will not be that of a long duration.

During this extremely anxious time, I do want to assure you that I am here to assist you, at I understand fully so many of you will have questions around your Risk Protection & Mortgage & your financial wellbeing & I wanted to assure you I am available at any time to talk with you  & address any questions or queries.

We are also taking all precautions necessary, to keep our team and office environment safe and abide by all Ministry of Health guidelines at present & this sees Apex in lockdown with all of our staff working from home for the next month this will not in any way detract from myself & the Apex staff attending to your risk portfolio, offering advice on your present cover & any additional cover you may wish to consider & also claims, questions & queries you may have & you have our assurance as clients of mine & Apex we are there to help, advice & assist.  

I have in this newsletter endeavoured to give you an overview regarding insurance & CORONA-VIRUS & I hope that this will address a number of your questions & queries.  

All I ask please that each of us adhere to the requests & requirements of the Government & Ministry of Health & we play our role as caring Kiwis, take care of yourself, your family, neighbours & our older fellow Kiwis & please be kind to one another, we are a strong nation as we have displayed previously when we have been faced with adversity & in 2020 we face a new challenge & a challenge as a nation we will come out the other side with renewed positive & exciting opportunities for each of us  & for our families, employment & business opportunities.

If I can or you wish me to assist you or your family & friends, I am only a phone call, text or e-mail away.

Kevin – Mobile (027) 204 4301 or E-Mail kevinh@apexgroup.co.nz

Regards & thanks,

Kevin.

P.S. If you are in business, then you really do need to protect yourself with some form of insurance. Download my free resource on the 10 Reasons to have Insurance if you are in Business. Grab your copy here

Covid-19 – A Q&A Session with Kevin Hickland!

Over the last 24 hours as reality re the Level 4 lockdown arrives & rightly & expected I have had several questions & this newsletter is really all about giving you certainty in & around your Risk Protection & assurance in & around Covid-19 & I trust the…

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Covid-19 – What is the insurance effect?

We have pieced together information that we think will be helpful but realise that you will already have some of this information…

AIA Update – Covid-19

We want to ensure you remain informed about the developing Covid-19 situation, and our responses to this. Your insurance cover: Covid-19 has no impact on your insurance cover with us. Our insurance products do not contain exclusions for pandemics…

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Tips When Working From Home

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February 2020 Newsletter

Welcome to our first newsletter of 2020, and a brand-new exciting year!

We hope you have had an enjoyable and relaxing summer break. We have returned refreshed and looking forward to a busy 2020.

The year has started with plenty of international & domestic activity, with the end of the long-running Brexit saga in the United Kingdom, the somewhat “Clayton’s” Trump impeachment, the devastating Australian bushfires & the worrying & ongoing Coronavirus & starting Super Rugby in the middle of summer & cricket. Why please NZ Rugby.

We saw our victorious Silver Ferns rightly winners at the recent Halberg sports awards & Auckland has gone 40 plus days as have several regions around NZ without any rain of significance, while other regions have had floods.

And we still have to come to our own September election with 2 referendums attached to that, National going to court, Winnie in “Hot Water” again & an American election. It just highlights yet again that change is constant & it can be quick, it can be unexpected or it could be a long drawn out affair, there are certain aspects of change we can do nothing about but there are some aspects of change to our lives & health & well being we can do something about & we need to take heed. One being the continual messages around cancer & melanoma, I saw some recent NZ medically researched & published numbers & statistics that were to say the least frightening & alarming & once again highlights to us all.

PLEASE THIS YEAR MAKE SURE WE ALL HAVE THE RELEVANT HEALTH CHECKS DONE & PLEASE ADOPT THE CANCER SOCIETY WARNING ABOUT THE HARSH NZ SUN & WE FOLLOW—THE SLIP, SLOP & SLAP MESSAGE. And, If we find ourselves or friends or family in a dark space please encourage & assist them to talk to someone & if help is needed seek help – PLEASE.

We all hear of stories of people who have “out of the blue” be affected from major health issues/occurrences, it costs very little to get the re-assurance of Health Checks & warnings, the cost to ourselves, family & friends of doing nothing can be severe, significant & long-lasting. We all have heard the message be “A tidy Kiwi” my message to everyone for 2020 is be “A sensible & caring Kiwi” of course I can assist you with your Health & Wellbeing with the AIA Vitality program an inexpensive & effective way of assisting you & your family being “A sensible & caring Kiwi” you will see information in my newsletter in regards to AIA Vitality & if you wish to explore this further as is my recommendation don’t hesitate to contact me.

All the best for 2020 to you & your families, have a great year & may it be a year of good health, prosperity, opportunities, good times & success & if I can or you wish me to assist you or your family & friends in this regards, I am only a phone call, text or e-mail away.

Kevin – Mobile (027) 204 4301 or E-Mail kevinh@apexgroup.co.nz

Regards & thanks,

Kevin.

P.S. If you are in business, then you really do need to protect yourself with some form of insurance. Download my free resource on the 10 Reasons to have Insurance if you are in Business. Grab your copy here

Become part of the AIA Vitality program

Enhance your & your families Health & Wellbeing for as little as $0.40 cents per day. And you could receive discounted insurance premiums! Please just contact me for a chat on how you & your family can become part of the AIA Vitality Family…

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Insurance: What do you really need?

Insurance is the ultimate grudge purchase. In the best cases, you spend tens of thousands of dollars (and more) over your lifetime paying for something that you never get a chance to use. But having it when you need it can change your life…

Income Protection Insurance

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Make This Year, Your Year!

Ways to Get on the Track to Fitness. Making a commitment to get healthier, break bad habits and lose weight is a common resolution made by countless people every new year. Gyms are joined, recipes are collected and to-do lists are written…

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December 2019 Newsletter

As 2019 draws to a close & we are about to start another decade in 2020, I would like to wish you all a very Merry Christmas & a Happy New Year & all the best for 2020!

Have a great Christmas with family & friends & if you are embarking upon an out of town or overseas Christmas holiday have a great time, travel safe, drive with care for yourself & others & look after yourself & your family & come back refreshed & motivated to start another year.

We have certainly seen some dramatic & sad & changing events here in NZ in 2019 with the 15th of March tragic & barbaric shooting & in the last 24 hours the White Island eruption & significant loss of life it highlights & confirms sadly that life can change in a split second as we have seen & these occurrences were beyond the control of the innocent loss of lives & these are only two examples of how these life-changing occurrences can & do change lives for some people that has a lifelong impact.

I just suggest to each & everyone of my newsletter recipients that on a wet, rainy, windy day over the holiday period, of which there will be one for sure, take some time to reflect, question, ask yourself one simple question & that is the simple words of “WHAT IF ?”

Those two words bring so many meaning & possible outcomes to the table & I seriously put forward to each of you, don’t walk away from the question & the possible outcomes it could have for yourself, your family, your business, your business partners, your financial position & financial commitments & importantly your health & well being. Make a commitment to address them & make it one of your first priorities to address in 2020

I hear so many people talk about the cost of insurance & I don’t need the cover & I will be fine. The question I ask what is the cost to you, your family & your business if I did not have the cover & knowing I have the right cover & structure in a time of need.

Is the cost of $10 per day (2 cups of coffee), not an acceptable amount of money to make sure, yourself, your family, your business & business partners have peace of mind cover, should the “What if” question arrived on your doorstep.

I welcome the opportunity to having the conversation to address the “What If” question with you or anyone you know that is dear & close to you & creating for them good value for money peace of mind cover, my phone or e-mail is always on & ready to help & advice

Have a great Christmas & best wishes for 2020, have fun, sun & friendship over the Christmas break & please don’t forget the “Slip, Slop, Slap” message in the hot conditions & look forward to catching up with you in 2020.

If I can assist you before year-end also, please get in touch.

Kevin – Mobile (027) 204 4301 or E-Mail kevinh@apexgroup.co.nz

Regards & thanks,

Kevin.

P.S. If you are in business, then you really do need to protect yourself with some form of insurance. Download my free resource on the 10 Reasons to have Insurance if you are in Business. Grab your copy here

Join the AIA Vitality revolution!

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Make This Silly Season A Little Less Silly

For many people, the holiday season is the busiest, most complicated, most stressful time of year. Christmas parties, gift shopping and wrapping, decorating, travel plans, end-of-the-year projects, planning for the new year… all of this on top of…

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November 2019 Newsletter

As we race towards the end of the year November is an excellent time to pause and reflect on what you have accomplished so far, and to prepare for where you would like to be by the end of the year!

It’s important to keep your momentum going, but as the invitations to holiday celebrations start to roll in, don’t forget to schedule some time for yourself.

On the very subject of self-care, I would like to highlight this recent video on TVNZ Breakfast.

Shaun Robinson of the Mental Health Foundation talks to Matty about the importance of good mental health, and how tools like Te Whare Tapa Wha and the AIA Vitality app can help Kiwis in their wellbeing journey.

I was just recently given some numbers around mental health & the global impact it has on so many people & they highlight the serious nature of Mental Health, I am certainly not wishing to be the communicator of gloom & sadness but sadly it is a reality.

  • Depression is ranked by the WHO as the single largest contributor to global disability
  • 1 in 5 New Zealanders will experience mental health & addiction challenges in any given year
  • The annual cost in NZ of serious mental illness & addiction is approx $12 Billion which equates to approx. 5% of the countries annual GDP
  • 688 lives were lost to suicide in NZ from July 2017 to June 2018 almost twice the national road toll

The message that sums up AIA Vitality Health & Well Being program is simple, but I think effective “Take a small step to a healthier you, eat a bit better, move a bit more, take a moment”.

It is imperative that we all take on board the message to look after our own & our families health & well being but as good Kiwis we can all play a role for our fellow Kiwis to assist in making us a healthier nation.

Have a look at the AIA Vitality Program & what it can do for you & your peace of mind & wellbeing. With the right risk protection portfolio, and supported with a personal health & wellbeing program & I am sure all of us have family, friends or workmates that can benefit by taking a small step to a healthier life, eat a bit better, move a little.

I would welcome the opportunity to have a chat with them to introduce myself, Apex, AIA & the AIA Vitality program.

All my contact details are in this newsletter or my website.

Have a look at www.aiavitality.co.nz

If I can assist you before year-end also, please get in touch.

Kevin – Mobile (027) 204 4301 or E-Mail kevinh@apexgroup.co.nz

Regards & thanks,

Kevin.

P.S. If you are in business, then you really do need to protect yourself with some form of insurance. Download my free resource on the 10 Reasons to have Insurance if you are in Business. Grab your copy here

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