December 2011

Hello !

Welcome to the latest issue of The Gym's newsletter.
You're receiving this newsletter because you've visited The Gym in the past. We'll continue to send you newsletters from The Gym for the next few months and then we'll check with you to see whether you find them helpful and entertaining. Remember, you can visit The Gym at any time by logging in to your AUSCOAL Super Member Account. 

Today we're going to look at improving your financial position, comparing ways to contribute to super, Will Ferrell as an elf, interest free loans and a different way to give this Christmas.
Don't forget to access The Gym via your Member Account and enter the competition.

Five practical ways to improve your financial position for 2012 In this article we provide five practical ways to improve your financial position in 2012. It may be too much of a mountain to review everything, but by just reviewing and refining one or two things you can provide significant benefits to your situation. Read More...
Two different ways to contribute to super There are many different ways to contribute to superannuation. While each scenario needs to be considered on a case by case basis, understanding the theory and implications of different choices is valuable. Today we look at the difference between making a concessional contribution verses a non-concessional contribution Read More...
A hilarious reminder from Will Ferrell the elf Will Ferrell demonstrates just how we respond when we really believe in something. In this short scene, you can see that Will's colleagues clearly don't believe in Santa as Will does. Hilarious! Watch this video...
Pro's and con's of interest free loans Now more than ever, interest free finance is everywhere we look. Consumer finance is a great tool for retailers to make expensive items affordable to customers and an ideal way for customers to purchase goods that may have otherwise been out of reach due to low savings.  But beware...  Read more...
A different way to give this Christmas In the era of consumption, it seems if you’re not buying new then you’re cheating the system. While purchasing new items can assist retailers, there are other ways to engage in the gift giving spirit. There was a family who went to their grandmother’s house each Christmas Eve. Read more...

You will find the competition in the quiz or activities section of The Gym. Get four or more right and you're in the draw to win a $100 Westfield voucher.

The Gym is provided solely by innergi Pty Ltd ABN 43 120 557 539, an independent provider of financial education. AUSCOAL Super has arranged for members to access The Gym, but has no oversight of information or services innergi provide.