Edition No. 3 | 03 October 2013

(Oct 2013)

We welcome you to our October TWM newsletter.

Since our last newsletter we have a new government in place and early indications are positive for both financial and housing markets. Let's hope that this continues.

We are continuing to work hard to implement the new FOFA (Federal Government Future of Financial Advice) legislation along with co-ordinating our new software with our client database.

The following articles are not only informative but also very topical within our current market conditions, please make some time to read them through.

Regards

The TWM team

Savvy share market investing

With markets up one day and down the next, it can be difficult to feel comfortable about investing in shares. Here are five savvy strategies to help you manage your portfolio:

Good debt, bad debt

Unproductive debt can be an enormous drag on your ability to grow wealth, but not all debt is bad. Used well, borrowing to invest can help you create a larger portfolio sooner. Here’s how to make good debt work for you as you approach retirement.

In this edition

	Savvy share market investing
	Good debt, bad debt

Whats new

Local events for October

Jazz in the Courtyard

Normanby Wines at Harrisville presents Jazz in the Courtyard. Be entertained by the Fassifern Five. Cost: $25 per head - bookings essential. Hot finger food provided by Platinum Platters. Extra cheese platters must be pre ordered for $20 each. Enjoy the music, food, great company and large range of wines including Verdelho, Viognier, Durif, Shiraz, Chambourcin, Grenache, Merlot as well as red and white fortifieds - all made from grapes carefully hand picked for premium quality

.

Date: 13 OctoberVenue: Normanby Wines, 178 Dunns Ave, Harrisville

Contact Details:

178 Dunns Avenue, Harrisville QLD 4307
Ph: (07) 5467 1214 or 0458 647 204
Email: jenny@normanbywines.com.au

Explore one of our cities historic homes

How would you like to explore one of the citys historic homes and play a role in helping grow the Ipswich Art Gallery Collection at the same time? You're invited to join the Friends of the Ipswich Art Gallery for afternoon tea at the beautifully restored historic home Karragaroo. This stunning property was originally built in 1884 and has been home to some of Ipswich's most renowned residents including the Foote and Whitehead families. Discover Karragaroo's story and hear first-hand from the current owners about their dedication to restoring this grand residence and how they are continuing to lovingly refurbish the property today. Take in magnificent views of the city from the sweeping verandahs. Bid in the silent auction for the chance to take home a unique artwork specially created on the day. Time: 2 - 4.30pm Cost: $40 per person (General Admission). Price includes afternoon tea with sparkling wine on arrival. Bookings: Essential.

Date: 12 OctoberVenue: Karragaroo

Contact Details:

Ipswich Art Gallery d'Arcy Doyle Place between Limestone & Brisbane Streets Ipswich CBD, Queensland 4305 Telephone: 07 3810 7222 Email: info@ipswichartgallery.qld.gov.au Website: www.ipswichartgallery.qld.gov.au

Discover Brisbane's Top 10 Coffee Shops

Short and strong or tall and creamy, what’s your preference?

Take your pick from Brisbane’s home grown boutique coffee roasters and discover coffee worth travelling for. I’m talking places where you can kick back with a cup of coffee made, blended and roasted on premise or by the owners. It’s as fresh as you’ll get.

http://www.visitbrisbane.com.au/Travel/About-Brisbane/Feature-Story.aspx?id=23587

Phone
07 3281 1226
Fax
07 3282 9900
Email
Email Us
Website
Total Wealth Management
Address
Suite 2, Level 5,
Ipswich Corporate Centre
14-16 East Street,
Ipswich QLD 4305

PO Box 48,
Ipswich QLD 4305

Total Wealth Management Pty. Ltd. ABN 14 079 194 808 trading as Total Wealth Management is an Authorised Representative of GWM Adviser Services Limited ABN 96 002 071 749, trading as Garvan Financial Planning an Australian Financial Services Licensee, Registered office at 105 –153 Miller St North Sydney NSW 2060 and a member of the National Australia group of companies.

This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial and tax and/or legal advice prior to acting on this information. The material contained in this newsletter is based on information received in good faith from sources within the market, and on our understanding of legislation and Government press releases at the date of publication, which are believed to be reliable and accurate. Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this email.