Influenza – or the flu – is a virus that spreads quickly from person to person. Symptoms include fever, chills, aches, runny nose, a cough and stomach upset. Immunisation is your best defence against the flu.
Did you know? The Influenza vaccination is FREE for people who are most at risk.
Eligibility criteria for FREE seasonal influenza vaccination for 2018:
Pregnant women (any trimester).
People aged 65 years and older.
People aged under 65 years with any of the medical conditions listed HERE
Children aged 4 years or under who have been hospitalised for respiratory illness or have a history of significant respiratory illness.
Also, people under 18 years of age living in the:
Seddon/Ward and rural Eastern Marlborough region (within the Nelson Marlborough District Health Board).
Kaikoura and Hurunui areas (within the Canterbury District Health Board).
who have been displaced from their homes in Edgecumbe and the surrounding region.
For anyone not listed here – the flu vaccination can cost upward of $25 depending on the provider, but some workplaces will provide you with immunisation as a workplace initiative.
If you choose to get immunised, you can find a registered participating provider HERE
According to the Ministry of Health there are other precautions you can take to avoid spreading the flu.
If you are unwell, stay at home until you are better.
Follow basic hygiene practices:
Avoid touching your eyes, nose and mouth.
Don’t share drinks.
Avoid crowded places.
Cover your mouth and nose with a tissue when you cough or sneeze – then put the tissue in a lined bin.
AdviceFirst Adviser and Regional Manager Mark Holtom says that in the past, fund managers could exclude assets that disagreed with their personal values – such as weapons manufacturing – but that was a reactive rather than proactive strategy.
In today’s environment, any investor can potentially help the planet or influence social change by investing in specific funds. For example, AMP has a Responsible Investment Leaders fund, and is trying to lead from the front in this area. There are also other large funds that specialise in Sociable Responsible and Environmental, Social and Governance (ESG) funds.
“There are options where you can proactively invest in renewable energy projects all over the world, including wind and solar farms, sustainable forestry options and low carbon public transport.”
Mr. Holtom believes investors could have the ability to accomplish two feel-good objectives when they invest in responsible funds:
1. The potential to maintain a fully diversified portfolio in-line with an investors risk appetite (to help meet future goals and objectives); and
2. Investors can feel good about the potential to influence positive change in society and the environment.
“Investment managers can engage with companies to find how they are managing their company strategy and mitigating risk. For example, the investment manager can ask the potential recipient of a client’s investment, if they are working as a company to reduce their carbon footprint. This responsible approach to investing can encourage companies to be transparent about their impact on the environment, and their commitment to changing their behaviour to keep up with social expectations.”
Mr. Holtom says investors can also help tackle gambling, alcohol abuse, tobacco, and obesity because their decision to invest in responsible and sustainable assets may impact the share price of a company.
Companies that don't adapt or change in response to social change or environmental issues could go the way of organisations like Kodak, who notoriously failed to adapt their film-based business model to incorporate the digital camera movement, until it was too late.
“It’s not inconceivable to measure the risk of an investment by the company’s ability to adapt. Those that won’t change or are slow to evolve – for example demonstrating a reluctance to reduce emissions – might be considered a riskier investment.
“Simply by being conscious of how their money is used, investors can choose to help make a difference. Have a conversation with your adviser about how you can make your money count for the environment,” Mr. Holtom said.
Check out our insightful presentation by respected financial commentator Bernard Hickey - on behalf of AdviceFirst... you’ll pick lots of useful tips on what really matters.
The views, thoughts, and opinions expressed in this video are not necessarily those of AdviceFirst.
The information in this video is of a general nature only and is no substitute for personalised advice. If you would like advice that takes into account your particular financial situation or goals, please contact your Financial Adviser.
A Disclosure Statement is available from your Adviser, on request and free of charge.
If you are a regular contributor there’s a good chance you have already reached, if not exceeded, your contribution requirement. Not sure? simply take a closer look at your contributions, for example:
If you're earning at least $35,000 a year and contribute the minimum 3% for the whole year, you should receive the full $521.43*.
If you earn less than $35,000, you're self-employed or you've taken a contribution holiday, you might like to think about making a voluntary lump-sum contribution so you can receive the Government Contribution.
If you don’t already look after your KiwiSaver account with help from an AdviceFirst Adviser who specialises in KiwiSaver, get in touch and one of our team would be happy to help make any of the complicated KiwiSaver stuff easier to understand.
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