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  "sourcesContent": ["import{jsx as e,jsxs as t}from\"react/jsx-runtime\";import{ComponentPresetsConsumer as o,Link as n}from\"framer\";import{motion as a}from\"framer-motion\";import*as i from\"react\";import{Youtube as r}from\"https://framerusercontent.com/modules/NEd4VmDdsxM3StIUbddO/fJ8vwGe6kxfz7kj9H7Sk/YouTube.js\";export const richText=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Take Control of Your Thoughts\"})}),/*#__PURE__*/e(\"p\",{children:\"But if you are a negative person, don\u2019t worry, all is not lost. You can learn to be positive. It starts with your self-talk. We all have a stream of thoughts that run through our minds constantly. Often, we don\u2019t even notice them, but our mind is always working and giving us information. Start to pay attention to those thoughts and take control of them.\"}),/*#__PURE__*/e(\"p\",{children:\"Pay attention to what you are thinking about a certain situation. Are you expecting it to go pear-shaped? Are you listing, in your mind, all the things that might go wrong? If so, just stop and take control of those thoughts. Make an effort to think about what will happen if everything goes right.\"}),/*#__PURE__*/e(\"p\",{children:\"Positive thinking is a habit, and it takes practice and time to master it. Don\u2019t give up. The outcome will be worth it.\"})]});export const richText1=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Tips to Help You be Positive\"})}),/*#__PURE__*/t(\"ul\",{style:{\"--framer-font-size\":\"16px\",\"--framer-letter-spacing\":\"-0.25px\",\"--framer-text-alignment\":\"left\",\"--framer-text-color\":\"rgb(64, 64, 64)\",\"--framer-text-transform\":\"none\"},children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Laugh\"}),\" \u2013 Don\u2019t take yourself or life too seriously. Laughter relieves stress.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Live a Healthy Lifestyle\"}),\" \u2013 Exercise gets those positive endorphins flowing, and eating right gives your body and mind the energy they need.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Take Time for Mindfulness\"}),\" \u2013 Give yourself some quiet time. We are bombarded most of our waking hours by our electronic devices. Shut them off and focus your mind on positivity.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Associate with Positive People\"}),\" \u2013 Surround yourself with positive people. Stay away from negative people.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Make Sure Your Self-Talk is Positive\"}),\" \u2013 Be kind to yourself. Don\u2019t say anything to yourself that you wouldn\u2019t say to anyone else. Pretend you are talking to a dear friend and encourage yourself.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Practice Gratitude\"}),\" \u2013 Think about the things you are thankful for.\"]})})]})]});export const richText2=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Change Your Self-Talk\"})}),/*#__PURE__*/e(\"p\",{children:\"Here are some examples of negative self-talk and how you can change it into positive self-talk:\"}),/*#__PURE__*/t(\"ul\",{style:{\"--framer-font-size\":\"16px\",\"--framer-letter-spacing\":\"-0.25px\",\"--framer-text-alignment\":\"left\",\"--framer-text-color\":\"rgb(64, 64, 64)\",\"--framer-text-transform\":\"none\"},children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[\"I don\u2019t think I can do this \u2013> \",/*#__PURE__*/e(\"em\",{children:\"I\u2019ll give it my best try. It might work, or, at least, I\u2019ll learn something from the experience.\"})]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[\"It\u2019s too complicated for me \u2013> \",/*#__PURE__*/e(\"em\",{children:\"I can figure it out by tackling one piece at a time. I can always ask someone who knows more about it than I do.\"})]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[\"The change is too big \u2013> \",/*#__PURE__*/e(\"em\",{children:\"I can give it a go. It will be a new experience.\"})]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[\"No one is interested in me \u2013> \",/*#__PURE__*/e(\"em\",{children:\"I\u2019ll make an effort to be interested in others.\"})]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[\"This area of my life is in such a mess, there is no way out \u2013> \",/*#__PURE__*/e(\"em\",{children:\"I\u2019ll keep looking until I find a solution.\"})]})})]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Practice Every Day\"})}),/*#__PURE__*/e(\"p\",{children:\"Don\u2019t expect to turn all your negative thoughts into positive ones overnight. Developing a positive outlook takes time and practice. Just aim to get a bit better each day. Eventually, you\u2019ll notice that your glass is becoming half full more often than half empty.\"})]});export const richText3=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"A Positive Attitude Towards Money\"})}),/*#__PURE__*/e(\"p\",{children:\"Finance is an area where many people have trouble thinking positively \u2013 especially if they are currently experiencing money problems or they have had problems in the past. However, just like in every other area of your life, your thoughts, whether positive or negative, have an impact on your financial success.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Tips to Have a Positive Financial Outlook\"})}),/*#__PURE__*/t(\"ul\",{style:{\"--framer-font-size\":\"16px\",\"--framer-letter-spacing\":\"-0.25px\",\"--framer-text-alignment\":\"left\",\"--framer-text-color\":\"rgb(64, 64, 64)\",\"--framer-text-transform\":\"none\"},children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[\"Get some positive self-talk going. Tell yourself that you \",/*#__PURE__*/e(\"em\",{children:\"can\"}),\" change your financial future.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[\"Educate yourself about money. There is a plethora of information out there on handling your finances. Genistar has many seminars with tips about handling your money wisely. Download the free e-book, \",/*#__PURE__*/e(n,{href:\"https://genistar.online/wp-content/uploads/2021/05/Genistar-Journey-E-Book.pdf\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"Your Journey to Financial Freedom\"})})})}),\", to get started.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"Forgive yourself for money mistakes made in the past. No one can change the past, but every day is a clean slate for us to make a new start.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"Don\u2019t compare yourself to others. We all have different situations and circumstances, and you are only responsible for doing your best.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"Start with small steps. Small steps taken consistently can make a big difference in your finances.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"Set some financial goals.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"Pay attention to your finances \u2013 Set aside time monthly or weekly to review your situation.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"Celebrate your successes. When you reach one of your financial goals, be proud of yourself and the progress you\u2019ve made.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"And finally, talk to a professional. You don\u2019t have to do it alone. At Genistar we believe that every person can understand the basics of money management if they receive the proper education. We offer a complimentary, personalised Financial Game Plan which is like a \u2018sat nav\u2019 for your finances. Based on your own goals and life objectives, it can show you how to get from where you are to where you want to be financially.\"})})]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Book Recommendations\"})}),/*#__PURE__*/e(\"p\",{children:\"Would you like to read more about becoming a positive thinker? See the below list for a few books we recommend for helping you make positive thinking a habit:\"}),/*#__PURE__*/t(\"ul\",{style:{\"--framer-font-size\":\"16px\",\"--framer-letter-spacing\":\"-0.25px\",\"--framer-text-alignment\":\"left\",\"--framer-text-color\":\"rgb(64, 64, 64)\",\"--framer-text-transform\":\"none\"},children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"em\",{children:\"The Power of Positive Thinking\"}),\" by Norman Vincent Peale\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"em\",{children:\"As a Man Thinketh\"}),\" by James Allen\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"em\",{children:\"Success Through a Positive Mental Attitude\"}),\" by Napoleon Hill and W. Clement Stone\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/t(\"p\",{children:[\"And for your free e-book, \",/*#__PURE__*/e(n,{href:\"https://genistar.online/wp-content/uploads/2021/05/Genistar-Journey-E-Book.pdf\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/t(a.a,{children:[/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"Your Journey to Financial Freedom\"})}),\", click here\"]})})]})})]})]});export const richText4=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Income protection may be one of the most important personal financial products on the market; however, it might also be one of the least understood.\"}),/*#__PURE__*/e(\"p\",{children:\"Its importance only becomes apparent when you\u2019re ill and your work-related sick pay runs out. No money is coming in but there are still bills to pay and other living expenses to take care of.\"}),/*#__PURE__*/e(\"p\",{children:\"To help you understand more about income protection, we\u2019ve put together some of the most frequently asked questions about this cover and provided responses to each one.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"What Is Income Protection?\"})}),/*#__PURE__*/e(\"p\",{children:\"Income protection insurance is a product designed to pay out a monthly income if you should become unable to work due to illness or injury and therefore are not earning your regular salary.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Why Do I Need Income Protection?\"})}),/*#__PURE__*/e(\"p\",{children:\"Many of us would find it difficult to pay our bills and other living expenses if our salary were to stop for very long. Even if you get sick pay from your workplace, it often ends after seven months \u2013 but your bills continue.\"}),/*#__PURE__*/t(\"p\",{children:[\"An income protection policy\",/*#__PURE__*/e(\"strong\",{children:\" provides monthly payments which are\\xa0\"}),\"designed to replace your salary until you can return to work. Having this financial support in place can give you peace of mind, which might help you get better quicker and back to work as soon as possible.\"]}),/*#__PURE__*/t(\"h2\",{children:[/*#__PURE__*/e(\"strong\",{children:\"What Are the Two Types of Income Protection\"}),\"?\"]}),/*#__PURE__*/e(\"p\",{children:\"There are two types of income protection: short-term and long-term.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Short-term income protection\"}),\" is more affordable, because it will have a maximum number of years that it will pay per claim, usually one, two, or five years, depending on the period you choose when taking out the policy. Once you reach the maximum claims period, you would have to return to work in order to claim again on the policy.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Long-term income protection\"}),\" costs more because it could pay out until you are well enough to work again \u2013 or until you retire, die, or the policy term ends \u2013 whichever is soonest.\"]})]});export const richText5=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"strong\",{children:\"How Much Will It Pay?\"})}),/*#__PURE__*/e(\"p\",{children:\"An income protection plan will pay a monthly amount equal to a percentage of your gross salary (usually 50-70%) so that there is an incentive to return to work. However, this payout is tax free, so it may not be as far from your regular salary as it first appears.\"}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"strong\",{children:\"How Much Cover Should I Have?\"})}),/*#__PURE__*/e(\"p\",{children:\"When looking at income protection plans, it\u2019s common to start looking at the maximum amount of cover you can take out, but it is often better to assess how much you actually need. The more cover you take out, the more it\u2019s going to cost.\"}),/*#__PURE__*/e(\"p\",{children:\"For example, if your expenses are \\xa31,500 per month do you really need to pay the extra premium for \\xa32,000 worth of cover? It is often better to think about how much income insurance cover you need in terms of monthly outgoings, rather than income.\"}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"strong\",{children:\"What Are Guaranteed Premiums for Income Protection?\"})}),/*#__PURE__*/e(\"p\",{children:\"With guaranteed premiums the monthly premiums you pay remain fixed over the entire life of the policy.\"}),/*#__PURE__*/e(\"p\",{children:\"For example, if the monthly premium was \\xa350.00 at the start of the plan it would also be \\xa350.00 at the end of the plan. The insurer \u2018guarantees\u2019 not to change the premiums unless you make changes to the policy.\"}),/*#__PURE__*/e(\"p\",{children:\"With a non-guaranteed policy, also known as reviewable, the cost of coverage will often increase every year or two. This puts individuals in a position of uncertainty, so do consider this option very carefully knowing all that you are signing up for.\\xa0\"}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"strong\",{children:\"What Does Income Protection NOT Cover?\"})}),/*#__PURE__*/e(\"p\",{children:\"Income protection insurance covers\\xa0most illnesses and injuries that prevent you from working \u2013 either in the short or long term\\xa0\u2013 however, it does not pay out if you\u2019re made redundant.\"}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"strong\",{children:\"What\u2019s the Difference Between Life Insurance and Income Protection Insurance?\"})}),/*#__PURE__*/e(\"p\",{children:\"Life insurance and income protection are two very different products: Life insurance pays out a lump sum in the event of your death, while income protection pays a percentage of your salary while you recover from an illness or injury.\"}),/*#__PURE__*/e(\"p\",{children:\"What\u2019s the Difference Between Income Protection and Critical Illness?\"}),/*#__PURE__*/e(\"p\",{children:\"While both these products pay out in cases of serious medical conditions, there are differences.\"}),/*#__PURE__*/t(\"p\",{children:[\"Critical illness cover\\xa0(or serious illness cover as provided by our life insurance partner, Vitality) pays a \",/*#__PURE__*/e(\"strong\",{children:\"lump sum\"}),\" if you are diagnosed with a \",/*#__PURE__*/e(\"strong\",{children:\"specific illness\"}),\" (an illness specified in the policy).\"]}),/*#__PURE__*/t(\"p\",{children:[\"Income protection cover will pay a \",/*#__PURE__*/e(\"strong\",{children:\"monthly income\"}),\" for a set period of time if you\u2019re \",/*#__PURE__*/e(\"strong\",{children:\"too ill to work\"}),\" or have had an injury.\"]})]});export const richText6=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"strong\",{children:\"Is It Worth Buying Income Protection?\"})}),/*#__PURE__*/e(\"p\",{children:\"No one knows when they are going to need income protection insurance. No-one plans to be sick. But if/when it happens, income protection can be a life-saver.\"}),/*#__PURE__*/e(\"p\",{children:\"Getting sick pay from your employer for a number of weeks or months is great; however, if you\u2019re off sick for a while, income protection can really help \u2013 since State benefits are so low that many couldn\u2019t survive on them alone.\"}),/*#__PURE__*/e(\"p\",{children:\"If you are self-employed, the need to have income protection is even greater, as once you fall ill and can no longer work, your money may automatically halt.\"}),/*#__PURE__*/e(\"p\",{children:\"We hope this article has helped you understand Income Protection better.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"If you would like to enquire more about income protection insurance or get a quote, please contact your Genistar representative or \"})}),/*#__PURE__*/e(n,{href:\"https://genistar.online/contact/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"contact our support centre here\"})})})}),/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\".\"})})]})]});export const richText7=/*#__PURE__*/e(i.Fragment,{children:/*#__PURE__*/t(\"p\",{children:[\"In Take Control of Your Finances \",/*#__PURE__*/e(n,{href:{pathVariables:{Tu_Pd0zTZ:\"control-your-finances\"},unresolvedPathSlugs:{Tu_Pd0zTZ:{collectionId:\"VAAhE1LdG\",collectionItemId:\"erOzBTjSw\"}},webPageId:\"Nta7mKyVW\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"part 1\"})}),\", we talked about setting goals, budgeting and saving. If you haven\u2019t read that one, have a \",/*#__PURE__*/e(n,{href:{pathVariables:{Tu_Pd0zTZ:\"control-your-finances\"},unresolvedPathSlugs:{Tu_Pd0zTZ:{collectionId:\"VAAhE1LdG\",collectionItemId:\"erOzBTjSw\"}},webPageId:\"Nta7mKyVW\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"look at it here.\"})})})]})});export const richText8=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"DEBTS\\xa0\"})}),/*#__PURE__*/e(\"p\",{children:\"If you find yourself in debt, you probably didn\u2019t get there overnight. Debts usually accumulate over time and have a way of sneaking up on us. You might have started off with one loan or credit card, then you had two\u2026 then three\u2026 then four\u2026\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"No matter how you ended up in \",/*#__PURE__*/e(n,{href:\"https://en.wikipedia.org/wiki/Debt\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/t(a.a,{children:[/*#__PURE__*/e(\"strong\",{children:\"debt\"}),\",\"]})}),\" the key now is to set a plan to get yourself out. With a good plan in place,\\xa0your debts will decrease over time and money will be freed up which can then be put towards improving your financial future \u2013 whether that be adding to your retirement fund, making sure your family is \",/*#__PURE__*/e(n,{href:\"https://genistar.online/articles/6-reasons-to-consider-life-insurance%E2%80%AF/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"properly protected\"})})}),\", or saving toward your goals. \"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"strong\",{children:\"Action Step:\\xa0\"})}),/*#__PURE__*/t(\"p\",{children:[\"Make a list of each of your debts \u2013 no matter how small they might be. List the\\xa0creditor, interest rate, balance, monthly amount paid, etc.\\xa0Then make a plan to start clearing them. You can do this on your own, and many people do, however, knowing which debt to tackle first could be tricky and it will be difficult to work out exactly when you will finally be \",/*#__PURE__*/e(n,{href:\"https://genistar.online/articles/debt-consolidation-benefits/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"debt free\"})})}),\".\\xa0\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"If you want someone to help you with this process, book an appointment with your\\xa0Genistar representative who will be able to teach you a concept called Debt Stacking. Through Genistar\u2019s complimentary Financial Game Plan, we can show most people how\\xa0to become debt-free many years earlier than they expect.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/t(\"h4\",{children:[/*#__PURE__*/e(\"em\",{children:\"\\xa0\u2018A good financial plan is a road map that shows us exactly how the choices we make today will affect our future.\u2019 \u2013 Alexa von Tobel\"}),\"\\xa0\"]})]});export const richText9=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"RETIREMENT\"})}),/*#__PURE__*/t(\"p\",{children:[\"How much money do you \",/*#__PURE__*/e(\"em\",{children:\"want\"}),\" to have when you retire? How much money do you \",/*#__PURE__*/e(\"em\",{children:\"need \"}),\"to have in retirement in order to live comfortably? 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You can\u2019t go back, but you can begin to make your future better today.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/t(\"h4\",{children:[/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"\u2018You will either learn to manage money or the lack of it will manage you.\u2019 \u2013 Dave Ramsey\"})}),/*#__PURE__*/e(\"strong\",{children:\"\\xa0\"})]}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/t(\"h3\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Action Step:\"}),\"\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Decide how you are going to start planning for your retirement. Are you in a position to put away money on a monthly basis for your retirement? If yes, how much?\\xa0\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Do you think you could live on \\xa31,000 a month if you had no mortgage or debts to pay \u2013 just living expenses? 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See \",/*#__PURE__*/e(n,{href:\"https://genistar.online/articles/rule-of-72/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"The Rule of 72 video\"})})}),\" and this article about \",/*#__PURE__*/e(n,{href:\"https://genistar.online/articles/invest-100-per-month-for-retirement/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"investing for retirement.\\xa0\\xa0\"})})})]}),/*#__PURE__*/e(\"p\",{children:\"Book an appointment with your Genistar representative for a complimentary Financial Game Plan which will help you see what you need to do in order to have a comfortable retirement regardless of your state\\xa0or\\xa0company pension.\\xa0\\xa0\"})]});export const richText10=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"MORTGAGE\"})}),/*#__PURE__*/e(\"p\",{children:\"Did you know that it is simple and easy to cut years off the term of your mortgage and potentially save thousands of pounds in interest? Below are two ideas to help you pay off your mortgage more quickly.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Add to your monthly payment:\"}),\" One way you can accelerate your mortgage is by adding an additional sum to your monthly mortgage payment. You need to check with your mortgage provider to find out the minimum or maximum amount that you can add each month to prepay your mortgage.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Fortnightly payments:\"}),\" Another simple way to save interest and pay off your mortgage sooner is by making fortnightly payments. This basically means that\\xa0you pay half of your regular mortgage payment every two weeks. By doing this you will make 26 half payments per year, and because you are paying upfront, more of your payment is credited to the capital instead of going to interest. Making fortnightly payments means that you\u2019ll be paying 13 full payments over a 12-month period and accelerating the payoff of your loan. This strategy can provide significant savings in total interest over the life of the loan.\"]}),/*#__PURE__*/e(\"p\",{children:\"Many people with mortgages don\u2019t know about these options because when they take out a mortgage, they are automatically set up to make their mortgage payment once per month.\\xa0\"}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"strong\",{children:\"Action Step:\"})}),/*#__PURE__*/e(\"p\",{children:\"Find out the balance of your mortgage by checking your latest mortgage statement or calling your mortgage provider directly.\\xa0\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"Use the Genistar \",/*#__PURE__*/e(n,{href:\"https://genistar.online/wp-content/uploads/2021/05/Fat_Finder_Fillable2.pdf\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"FAT FINDER\"})})}),\" form to work out how much monthly net income you have (monthly income minus your monthly outgoings), and then decide how much you want to put towards your mortgage.\\xa0\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Set up a one-to-one appointment with your Genistar representative. They will be able to show you specifically how this strategy can work for you in relation to your mortgage. So take action and book an appointment today.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/t(\"h4\",{children:[/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"The distance between dreams and reality is called action\"})}),/*#__PURE__*/e(\"strong\",{children:\"\\xa0\"})]})]});export const richText11=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"WE CAN HELP\"})}),/*#__PURE__*/t(\"p\",{children:[\"Genistar\u2019s mission is to help families become debt-free and \",/*#__PURE__*/e(n,{href:\"https://genistar.online/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"financially independent\"})}),\". Why not let us help you start working towards a better financial future for your family and yourself?\\xa0\"]}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/t(\"h3\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Action Steps\"}),\":\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"If you haven\u2019t had a complimentary\",/*#__PURE__*/e(n,{href:\"https://genistar.online/articles/genistars-financial-game-plan/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"\u202FFinancial Game Plan\"})})}),\" done yet, book an appointment with a Genistar representative today. Let us help you plan for a better financial future. See \",/*#__PURE__*/e(n,{href:\"https://uk.trustpilot.com/review/genistar.co.uk\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Trustpilot\"})})}),/*#__PURE__*/e(\"strong\",{children:\" \"}),\"for reviews by many of our satisfied clients.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"If you would like to make extra income, why not take a look at the \",/*#__PURE__*/e(n,{href:\"https://genistar.online/business-opportunities/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Genistar business opportunity\"})})}),\". Speak to a Genistar representative to find out when the next Business Opportunity Meeting is taking place.\\xa0\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Happy Financial Planning!\\xa0\"})]});export const richText12=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Scammers can contact you by telephone, email, post, or by showing up at your door. They sometimes advertise online as well. They pretend to be someone they\u2019re not, sometimes claiming to be from a well-known company or even from a company that you do business with.\"}),/*#__PURE__*/e(\"p\",{children:\"Criminals are resourceful, and we are seeing an increasing number of scams. And more people are being tricked by them. 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Phone scammers often try to get personal or identifying information such as your bank account number, credit card number, etc. If they succeed, they might be able to access your accounts or even steal your identity.\"}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"strong\",{children:\"What to Do:\"})}),/*#__PURE__*/e(\"p\",{children:\"If you receive a phone call claiming to be from an organisation that you normally do business with, and you have any doubts about the identity of the caller, hang up and contact the company directly. Never give out personal or identifying information unless you are certain of the identity of the person you are talking to.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"strong\",{children:\"2. Pressure\"})}),/*#__PURE__*/e(\"p\",{children:\"Are you being pressured to make an immediate decision? Scammers want to get your sensitive information quickly \u2013 before you have time to realise it\u2019s a scam. They might claim that the offer is only good for a limited time or that you will get a bonus or discount for acting quickly.\"}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"strong\",{children:\"What to Do:\"})}),/*#__PURE__*/e(\"p\",{children:\"Don\u2019t let anyone pressure you. Take your time to consider whether the offer is a scam. If necessary, get independent or legal advice. Professional people from legitimate organisations will always give you time and enough information to make an informed decision. If anyone tries to rush your decision, they should not be trusted.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"strong\",{children:\"3. Too Good to Be True\"})}),/*#__PURE__*/e(\"p\",{children:\"Does the offer sound too good to be true? Financial scams often promise high returns for very little financial commitment. They might tempt you by promising much better interest rates than elsewhere. However, they may also offer realistic returns to make them seem more legitimate.\"}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"strong\",{children:\"What to Do:\"})}),/*#__PURE__*/e(\"p\",{children:\"If a deal sounds too good to be true, it probably is. Be suspicious of all such deals and offers.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"strong\",{children:\"4. Problem or Prize\"})}),/*#__PURE__*/e(\"p\",{children:\"Have you been told there is a problem or that you\u2019ve won a prize? Scammers might claim that you have a problem. For example, they might say you owe money, or that someone in your family has an emergency, or that there\u2019s a virus on your computer. Or they might claim that there\u2019s a problem with one of your accounts and that you need to verify some information.\"}),/*#__PURE__*/e(\"p\",{children:\"Other fraudsters might say that you\u2019ve won money or a prize, but you have to pay a fee to get it. After you\u2019ve paid your fee, you discover that there is no prize.\"}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"strong\",{children:\"What to Do:\"})}),/*#__PURE__*/e(\"p\",{children:\"If you have any doubts, look up the phone number of the organisation that the person claims to be from, and call the company directly. Don\u2019t call the number they give you or the one on your caller ID, as those might be fake.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"strong\",{children:\"5. Keep it Quiet\"})}),/*#__PURE__*/e(\"p\",{children:\"Are you being asked to keep it quiet? Scammers might ask you not to tell anyone about the special offer they are giving you. This is just a way to keep you from getting advice from others and realising it\u2019s a scam.\"}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"strong\",{children:\"What to Do:\"})}),/*#__PURE__*/e(\"p\",{children:\"Legitimate companies making a legitimate offer have nothing to hide and no reason to keep it quiet.\"})]});export const richText14=/*#__PURE__*/e(i.Fragment,{children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"When you do business with Genistar, we refer you to trusted, reliable companies that have a reputation for treating customers fairly. Be sure to make a note of your Genistar representative\u2019s name and contact details as well as the company\u2019s contact details. Then if you are ever contacted by someone claiming to be from Genistar or one of our partners, you can call us to verify that it is legitimate\"})})});export const richText15=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"About home insurance\"})}),/*#__PURE__*/e(\"p\",{children:\"The insurers rely on you agreeing to a small premium without paying much attention to the details of the cover. Then, if you don\u2019t shop around for a better deal, your premiums could increase year on year, and you could be stuck with a low level of cover.\"}),/*#__PURE__*/e(\"p\",{children:\"The problem with choosing the cheapest option is that many things you would expect to be covered may not be. Which isn\u2019t a problem \u2013 until it is. The stressful situation that leads to making an insurance claim can really be made worse by finding out you are not fully covered.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Read the two true examples below:\"})})]});export const richText16=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Water Damage Cover\"})}),/*#__PURE__*/e(\"p\",{children:\"Jen and Josh had been on holiday with their family and came home to find their kitchen ceiling had collapsed because of a leak. A small valve on the toilet in the upstairs bathroom had perished, and over the 10 days of their trip, water had leaked into the floor and subsequently into the kitchen ceiling below.\"}),/*#__PURE__*/e(\"p\",{children:\"They called their insurance company to find out that the leak was covered. Brilliant news! However, the not so brilliant news was that the damage caused by the leak was not covered. That meant the replacement of the bathroom floor, replacement of the kitchen ceiling, and redecorating of the kitchen was not covered because their policy didn\u2019t include cover for water damage.\"}),/*#__PURE__*/e(\"p\",{children:\"So what was covered? The cost of calling out an emergency plumber and replacing the one perished valve. That came to a total of \\xa3450, and the excess on their policy was \\xa3500. So, unfortunately, they couldn\u2019t claim at all. Not the best welcome home from a fantastic family holiday!\"})]});export const richText17=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Trace and Access Cover\"})}),/*#__PURE__*/e(\"p\",{children:\"Another element of cover that you should consider is trace and access cover. When Gary and Andrea had a new kitchen fitted, they installed an expensive new tiled floor. After a couple of weeks, they noticed a smell and discovered that some of the piping under the floor wasn\u2019t correctly fitted and somewhere under their beautiful new tiles, the drainpipe was exposed. Their insurer covered the cost of the pipe repair. But since they didn\u2019t have trace and access cover, the cost of ripping up their new tiled floor to find the problem and replacing the floor once the problem had been fixed was not covered. Many basic, lower cost insurances don\u2019t include this type of cover, and unless you know to ask for it, you probably won\u2019t know what you are missing \u2013 until you need it.\"}),/*#__PURE__*/e(\"p\",{children:\"Good quality home insurance is important. That\u2019s why Genistar have teamed up with Nest GI who provide a comprehensive insurance advice service for all Genistar customers. Nest have access to hundreds of insurers, and they can help you find a high quality, low cost cover. 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Genistar just seems to attract people who want to help others.\u202F\u202F\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Below we\u2019ve highlighted a few of the recent charitable initiatives supported by Genistar: some were at a company level, some were sponsored by teams within the company, and others were efforts by individual representatives.\u202F\"}),/*#__PURE__*/t(\"h2\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Genistar donation to Centrepoint\"}),\"\u202F\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"In October 2021, our CEO, Jeff Lestz announced that his birthday wish was to raise money for charity. He chose Centrepoint, a UK charity dedicated to helping homeless young people have a brighter future. He invited the entire company to join him in raising funds.\u202F\u202F\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"This charity is close to Jeff\u2019s heart because he experienced homelessness himself as a teenager. Jeff set up a JustGiving page so all Genistar members could contribute. Then he announced that he and his wife, Margo would be personally matching the total amount raised, up to \\xa310,000.\u202F\u202F\u202F\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"The entire company pulled together, and everyone got in on the act. Our Field Support Centre had two bake sales, and two Chilli Challenges where members of the team ate burning-hot chillies in return for donations. Then at our conference, we held an auction of donated items.\u202F\u202F\\xa0\"})]});export const richText19=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"We raised more than \\xa310,000 (and had fun in the process), then Jeff and Margo Lestz matched funds to bring it up to\",/*#__PURE__*/e(\"strong\",{children:\" \\xa322,562.56\"}),\".\u202F\u202F\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"The funds were transferred to Centrepoint in December. However, Jeff met with the director of fundraising in March to present a large symbolic cheque for \\xa322,562.56. This donation will help more than 100 young people get off the street, get counselling and provide them with accommodation for an entire year. We are so proud that our Genistar teams, friends, and family were able to raise so much money for this fantastic charity. All funds go to helping homeless young people gain accommodation, education, and training.\u202F\u202F\\xa0\"})]});export const richText20=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/t(\"h2\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Charity for Young Women in Botswana\"}),\"\u202F\u202F\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Sometimes people join Genistar with the intention of being charitable. When Tshepho Sempheng joined Genistar in February 2021, her goal was to earn an extra income to support her charity work in Botswana (Kamogelo House of Hope, for young women with complex support needs). 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This was symbolic of the many other schools in less privileged parts of the world who could not afford online classes.\u202F\u202F\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"The solution that San Antonio Elementary School sought was two-way radios, but they had only 7 sets to rotate among 158 students and their teachers. Genistar\u2019s Eagles Team (led by Arvin and Genevieve Burgos) were touched by their plight. Many on the Eagles team are from the Philippines and have family members there. They had parties and fundraisers and raised enough to purchase 250 radios and 3 booster antennas \u2013 enough for every child to be able to keep up with their schoolwork.\u202F\u202F\\xa0\"}),/*#__PURE__*/e(\"img\",{alt:\"books for school donation\",className:\"framer-image\",height:\"172\",src:\"https://framerusercontent.com/images/pKKhSbXYFQCUk8tiKp4U7qVr6PE.png\",style:{aspectRatio:\"344 / 344\"},width:\"172\"}),/*#__PURE__*/t(\"h2\",{children:[/*#__PURE__*/e(\"strong\",{children:\"CEO\u2019s Book Being Taught in His Former High School\u202F\"}),\"\u202F\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"Our CEO, Jeff Lestz, was orphaned at a very young age. In his memoir, \",/*#__PURE__*/e(\"em\",{children:\"Against All Odds\"}),\", he reveals intimate details of his life struggles that made him a success. As a troubled teenager, he moved from the city of Chicago to Elkville, a small town in Southern Illinois, where his life began to turn around. He\\xa0remembered the town and his former high school when he published his book about his life story. He donated copies to the local library and to the high school. The school is now using his book to teach lessons about overcoming adversity. He hopes his life story will inspire others to not give up when things are tough.\u202F\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"You can access the full story \",/*#__PURE__*/e(n,{href:\"https://genistar.online/in-the-press/genistar-ceo-in-the-southern-illinoisan/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"here\"})}),\".\\xa0\"]}),/*#__PURE__*/t(\"h3\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Budget for Charity\u202F\"}),\"\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"You don\u2019t have to have a large amount of money set aside to be able to make a difference. 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The Free Spirit\\xa0\"})}),/*#__PURE__*/e(\"p\",{children:\"As a free spirit, you refuse to be defined by the job you do and the salary you earn. Secretly you wish everyone could just share what they own and live together off the fruits of the land in peace and harmony. You may never have had a budget in your life, and you won\u2019t let money determine any of your major life decisions. You like to enjoy life to the full, and that includes working hours too.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"TIP\"}),\" \u2013 As a Free Spirit, there are probably plenty of other things you would prefer to do, but don\u2019t ignore your finances. Make an effort to educate yourself about money and make a plan for your future. 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You lack the confidence to make financial decisions pertaining to your future. Even if you have a solid financial plan in place, you keep double-checking for other options as you are doubtful of your own decisions.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"TIP\"}),\" \u2013 If you are a Worrier struggling with confidence and find making financial decisions stressful, educate yourself. A Genistar representative can take you through our financial education programme. After you learn how money works, you will have a solid foundation and the confidence to make informed financial decisions.\\xa0\"]}),/*#__PURE__*/e(\"img\",{alt:\"The Status Seeker\",className:\"framer-image\",height:\"1800\",src:\"https://framerusercontent.com/images/sFbPfo1s5sIJnxSvaZSRXYNruY.jpg\",srcSet:\"https://framerusercontent.com/images/sFbPfo1s5sIJnxSvaZSRXYNruY.jpg?scale-down-to=512 512w,https://framerusercontent.com/images/sFbPfo1s5sIJnxSvaZSRXYNruY.jpg?scale-down-to=1024 1024w,https://framerusercontent.com/images/sFbPfo1s5sIJnxSvaZSRXYNruY.jpg?scale-down-to=2048 2048w,https://framerusercontent.com/images/sFbPfo1s5sIJnxSvaZSRXYNruY.jpg?scale-down-to=4096 4096w,https://framerusercontent.com/images/sFbPfo1s5sIJnxSvaZSRXYNruY.jpg 5644w\",style:{aspectRatio:\"5644 / 3601\"},width:\"2822\"}),/*#__PURE__*/t(\"h3\",{children:[/*#__PURE__*/e(\"strong\",{children:\"5. The Status Seeker \"}),\"\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"You attach importance to the outward show of wealth, often going into debt to improve your image. You own the best of everything and keep growing your collection with every shiny new item that comes out. Your self worth is tied to an image of wealth and success.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"TIP\"}),\" \u2013 There\u2019s nothing wrong with having the best of everything \u2013 as long as you can afford it. But if you are going into debt for it, you may have a problem. There\u2019s no shame in living within your means, and it\u2019s much more satisfying than carrying a heavy burden of debt. Don\u2019t worry about what others think, your true friends won\u2019t care whether you wear Armani or Primark.\\xa0\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Did you see yourself in any of these money personality types? Most people will fall into more than one category.\\xa0\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"The idea is to become aware of your intrinsic attitude towards money. This can help you change the long-term effects your money habits will have on your life.\\xa0 And remember, it\u2019s never too late to improve your relationship with money \u2013 as on old Chinese proverb says: The best time to plant a tree was 20 years ago. The second-best time is now. We can revise that to say that the best time to make your financial plan was when you were in your 20s, but the second-best time is now.\\xa0\"})]});export const richText24=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Changing Financial Perceptions\"})}),/*#__PURE__*/e(\"p\",{children:\"I came from a middle-class family where both my parents worked full-time to support the household. We always had just-enough to make ends meet and our holidays were spent working in my father\u2019s business to help out. My parents only spent what they made each month, and they lived a humble life while raising us.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Poor Financial Choices\"})}),/*#__PURE__*/e(\"p\",{children:\"When I was introduced to Genistar, I had no idea what the company did or what services they offered. I attended because my husband had heard about the founder, Jeffrey Lestz, and really wanted to hear his story. Prior to this, I hadn\u2019t realised that I was a textbook example of a middle-class person without any financial education, who tries to work hard, tries to save, and borrows the rest. I felt that even though I earned a good wage, it was always gone so quickly.\"}),/*#__PURE__*/e(\"p\",{children:\"At the Genistar meeting, I came to understand that I was making very poor financial choices! I learnt that I was stuck in a system of debt and borrowing that was designed to keep me there. At this point, I personally had two credit cards \u2013 I thought you NEEDED to have a credit card in order to prove that you could work with credit. We used our credit cards to pay for family holidays, without one holiday ever being fully paid off before we went on another.\"})]});export const richText25=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"A Step in the Right Direction\"})}),/*#__PURE__*/e(\"p\",{children:\"My husband and I decided that we would implement one of the strategies that we learnt from Genistar: to get out of debt by focusing on certain debts ahead of others (debt stacking). This allowed us, over time, to push more money into the bigger debts and settle them earlier than planned, and to save more money. In addition, we started to use a budget and make amendments to our financial choices. We started living within our means.\"}),/*#__PURE__*/e(\"p\",{children:\"It took us a while to implement the changes we wanted to make in our personal finances. And to be honest, we still don\u2019t get it right all the time.\"}),/*#__PURE__*/e(\"p\",{children:\"I now know there are very important building blocks you need to prepare yourself as a player in the intricate workings of the financial industry. I have learnt that the right knowledge, even acquired at a later stage, is crucial to ensure you set yourself on a different path to live debt-free and not be stuck in the debt system of this world.\"})]});export const richText26=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Passing on the Knowledge\"})}),/*#__PURE__*/e(\"p\",{children:\"Now, as I raise my children, I am focusing on giving them the knowledge they need to understand the role that money plays in our lives. Robert T. 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Alan Palmer met with me one day, and he\u2019s the one who introduced me to Genistar.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Alan Palmer\"}),/*#__PURE__*/e(\"br\",{}),\"I met Gavin about 10 years ago. I introduced Gavin to Genistar and what we do as a company and how we help families. And Gavin said, \u2018Hey, I\u2019d love to hear more\u2019. Then he invited me across to his home to meet him and his wife. And we sat down and went through the financial education to empower them to make smarter financial decisions for themselves. And through that process, Gavin identified that he needed some help in the area of protection.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Gavin\"}),/*#__PURE__*/e(\"br\",{}),\"One of the things that struck me and my family was the fact that my friend was able to go through a plan with us, They termed it a Financial Game Plan, and basically, it gave us a snapshot of where we were at that moment in time, the goals we had and what we wanted to achieve \u2013 where we were going. But also, it showed us sort of like a roadmap of how we were going to get there, and how we could actually protect that, with insurance.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Alan\"}),/*#__PURE__*/e(\"br\",{}),\"We had been friends for many years. Then it came to a point where Gavin\u2019s wife fell ill. And I remember, the day he made the phone call to me to ask me about the protection he had in place. My heart just sank. But it did remind me of why we do what we do. Because when you sit in front of a family, and these things are put in place, they\u2019re there for a reason. And I just remember to this day, I remember breaking down and just not knowing what to say or what to do. After steadying myself a bit, I said, look, I need to take control of this. You know, it was my first client that had fallen ill. And sadly, a few years later, Ana passed away.\"]})]});export const richText29=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Gavin on loosing his wife\"})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Gavin\"}),/*#__PURE__*/e(\"br\",{}),\"When my wife passed away, the plan that we had put in place actually helped me be able to clear the mortgage off. So I didn\u2019t have to worry about where we were going to live. And that was a major help for us. I actually was at a point where I was grieving and my wife was gone, and I wasn\u2019t sure exactly what to do next. Alan was that point of contact that I was able to call and he actually met with me. And one of the things that we discovered when he started asking questions about the cover we had and everything else, he actually noticed that there was a payment that needed to be made. It was a death in service payment from my wife\u2019s previous job, and I wouldn\u2019t have even picked up on that, if not for him.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Alan\"}),/*#__PURE__*/e(\"br\",{}),\"I remember Gavin said to me \u2018Alan, Anna\u2019s requested something: that, you be a pallbearer at the funeral. And that really struck a chord with me, that it\u2019s really what we do here and now for the future. And being there for Gavin the whole way through, whether it was being there through the sad times and helping him, but also through the claims process. We sat down together, and Gavin couldn\u2019t look at his wife\u2019s passport picture, which is understandable. And I helped him bit by bit through that. And what\u2019s important, is that Gavin went back and paid off his mortgage and did smart things with the money. The family\u2019s financially secure, and both kids now are growing up and just living a better lifestyle. And subsequently, Gavin is now part time with his with his employer, loves what we do for families. And now I\u2019m coaching him to do the very same thing: to go out and help educate families and to empower them to make smarter financial decisions.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Gavin\"}),/*#__PURE__*/e(\"br\",{}),\"A lot has happened since my wife passed away, since Ana passed. But I\u2019ve learned a lot. I\u2019ve learned a lot from Genistar. One of the things looking back is my interaction with Alan, who has constantly been there. And as a representative of Genistar, he\u2019s actually taught me a lot of principles that I still use today. And what I love about this company is that the agents have an interest in the families that they actually meet and serve. They put their heart in the game.\"]})]});export const richText30=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Goal setting is simply making a plan in order to achieve the things that are important to you. You can set goals in any or all areas of your life. Common areas include finance, health, and self-improvement. 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Stick with your plan\"}),/*#__PURE__*/e(\"p\",{children:\"Work toward your goal every day, even if it\u2019s just a small step. Regular small steps can take you far.\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019ve seen that goal setting is much more than just wishing for something. It is clearly defining your goals and making a plan to reach them.\"}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/t(\"em\",{children:[/*#__PURE__*/e(\"strong\",{children:\"'\u2026the people who get things done, who lead, who grow and who make an impact, those people have goals.'\"}),/*#__PURE__*/e(\"br\",{}),\"- Seth Godin\"]})})})]});export const richText34=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"SMART Goals\"})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"S \u2026 Specific \"}),/*#__PURE__*/e(\"br\",{}),\"\u2013 Your goals must be specific. Describe them in detail. You can\u2019t reach a fuzzy goal, you need to know exactly what you are working towards.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"M \u2026 Measurable\"}),\" \",/*#__PURE__*/e(\"br\",{}),\"\u2013 You should be able to break down your goals into steps so you can see your progress. What steps do you need to take to reach your goals?\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"A \u2026 Achievable\"}),/*#__PURE__*/e(\"br\",{}),\"\u2013 Make sure that your goals are achievable. They shouldn\u2019t be too difficult, or too easy. But you should have to stretch your abilities a bit in order to reach them. If you want to become a millionaire next year and you have nothing now, that may not be a realistic goal. You don\u2019t want to set yourself up for failure.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"R \u2026 Relevant\"}),/*#__PURE__*/e(\"br\",{}),\"\u2013 Make sure that your goals are in line with your core values and aspirations. Do they fit in with the big picture of your life? Your goals must be something that matters to you.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"T \u2026 Time-limited\"}),/*#__PURE__*/e(\"br\",{}),\"\u2013 You need to set a deadline to accomplish your goal. Deadlines create a sense of urgency, so you don\u2019t dawdle or get distracted along the way. They help you focus on doing the most productive thing.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})})]});export const richText35=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"When Covid-19 came into the world early 2020, it came without warning. People didn\u2019t know they would be made redundant, be furloughed, or that their children wouldn\u2019t be able to go to school and have to learn online. We had no idea that entertainment venues would close, and that many of the facilities and services we use would be shut down. It was all unexpected!\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Plan for the Unexpected\"})}),/*#__PURE__*/e(\"p\",{children:\"Covid-19 is an extreme example, but unexpected emergencies happen all the time. We never know when a family member might fall ill, when the fridge is going to break down or when that unexpected redundancy will hit us.\"}),/*#__PURE__*/e(\"p\",{children:\"Planning for the unexpected is not just sensible, but critical if you want to be in a position to prevent, or at least reduce, the negative impact that unplanned expenses can have on your finances.\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"148\",src:\"https://framerusercontent.com/images/P5qhcKrMxYJgYrbY48lzsceOw.jpg\",srcSet:\"https://framerusercontent.com/images/P5qhcKrMxYJgYrbY48lzsceOw.jpg?scale-down-to=512 512w,https://framerusercontent.com/images/P5qhcKrMxYJgYrbY48lzsceOw.jpg?scale-down-to=1024 1024w,https://framerusercontent.com/images/P5qhcKrMxYJgYrbY48lzsceOw.jpg 1920w\",style:{aspectRatio:\"1920 / 296\"},width:\"960\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Insurance Helps\"})}),/*#__PURE__*/t(\"p\",{children:[\"Although we can\u2019t see into the future, we can prepare and have a plan to cover unforeseen expenses. Insurance products are designed to help us with major emergencies. \",/*#__PURE__*/e(n,{href:{pathVariables:{Tu_Pd0zTZ:\"6-life-insurance-reasons\"},unresolvedPathSlugs:{Tu_Pd0zTZ:{collectionId:\"VAAhE1LdG\",collectionItemId:\"SOcLwtpSp\"}},webPageId:\"Nta7mKyVW\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Life cover\"})}),\", health cover, \",/*#__PURE__*/e(n,{href:{pathVariables:{Tu_Pd0zTZ:\"cheap-home-insurance\"},unresolvedPathSlugs:{Tu_Pd0zTZ:{collectionId:\"VAAhE1LdG\",collectionItemId:\"K0f6goDOF\"}},webPageId:\"Nta7mKyVW\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"buildings and contents\"})}),\" insurance, car insurance, gadget insurance and many other types of insurances all exist for this reason.\"]}),/*#__PURE__*/e(\"p\",{children:\"An emergency fund works in a very similar way \u2013 but with a difference\u2026\"})]});export const richText36=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Emergency Fund\"})}),/*#__PURE__*/t(\"p\",{children:[\"So, what is an emergency fund? An emergency fund is money you put aside to cover \",/*#__PURE__*/e(\"strong\",{children:\"unexpected\"}),\" expenses \u2013 the small, or large, emergencies that we all face from time to time such as unplanned home repairs, automobile breakdowns, or even a loss of, or decrease in, your income.\"]}),/*#__PURE__*/e(\"p\",{children:\"Setting up an emergency fund is an essential way to protect yourself, and it\u2019s one of the first steps you can take on your road to financial freedom. By putting money aside \u2013 even a small amount \u2013 you\u2019ll be able to get back on your feet quicker when these unexpected expenses arrive. And you\u2019ll be able to get back on track towards reaching your larger savings goals.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"The Importance of an Emergency Fund\"})}),/*#__PURE__*/e(\"p\",{children:\"Without an emergency fund, when an unexpected expense occurs, you will very likely need to do at least one \u2013 but possibly more than one \u2013 of the following:\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Take the extra money from your monthly income. \"}),\"However, many households, find that their income is already stretched, so doing this could leave you unable to pay other bills and expenses such as food, petrol, etc.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Use money that you had set aside for paying off your debts. \"}),\"If you\u2019ve worked hard to save up enough to pay off your credit cards, loans, or your mortgage, an unforeseen expense could wipe out your savings.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Pull money from other savings\"}),\". If you don\u2019t have an emergency fund, you may have to take money from long-term savings like retirement funds or other investment pots that you have. For example, you might be saving for a car or house in a cash ISA, however, if you need \\xa32,000 or \\xa35,000 at short notice, you may have to dip into your ISA to get the money.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Rely on credit cards or loans\"}),\". Borrowing to cover emergencies will set you back by putting you even further into debt. This would be detrimental for a family\u2019s long-term financial plan.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Borrow money from family or friends\"}),\". No one likes to borrow money if they don\u2019t have to, many feel this is the only option when money is needed at short notice. The negative side of this, however, is that even if that \u2018nice\u2019 family member is happy to help, if you don\u2019t pay them back within the agreed timeframe, things could go very sour.\"]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"148\",src:\"https://framerusercontent.com/images/SToEc82ArmHQZMIvs5Ak3EC4u1A.jpg\",srcSet:\"https://framerusercontent.com/images/SToEc82ArmHQZMIvs5Ak3EC4u1A.jpg?scale-down-to=512 512w,https://framerusercontent.com/images/SToEc82ArmHQZMIvs5Ak3EC4u1A.jpg?scale-down-to=1024 1024w,https://framerusercontent.com/images/SToEc82ArmHQZMIvs5Ak3EC4u1A.jpg 1920w\",style:{aspectRatio:\"1920 / 296\"},width:\"960\"})]});export const richText37=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Set up your Emergency Fund\"})}),/*#__PURE__*/e(\"p\",{children:\"There\u2019s no time like the present, so why not get your emergency fund started?\"}),/*#__PURE__*/e(\"p\",{children:\"Here are a few considerations to help you get on the right track:\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"How Much?\"}),\" Decide how much you want to have in your emergency fund. It\u2019s generally recommended that you have at least 3 months\u2019 worth of living expenses in an emergency fund. For example, if your total monthly outgoings \u2013 including rent or mortgage payments \u2013 are \\xa32,000, you should aim to have at least \\xa36,000 set aside. However, any amount will be helpful and the more you can save, the better.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Set a Goal\"}),\" \u2013 Work out how long it is going to take you to save the desired amount. Set a target date and set milestones along the way. Reward yourself when you\u2019ve achieved certain amounts.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Where Will You Save?\"}),\" Decide where you are going to save your emergency fund: Which savings account will you use? Do you need to set up a new account?\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Saving Strategy\"}),\" \u2013 Decide how often you will save money in this account ie. every week, every month. Set it up so that your funds are regularly transferred into your emergency fund automatically. Then you\u2019ll never need to worry about forgetting to save.\"]}),/*#__PURE__*/e(\"p\",{children:\"Whatever you do, get started on that emergency fund today. You will be glad you did when the unexpected happens!\"}),/*#__PURE__*/t(\"p\",{children:[\"And if you would like to have more funds to save, why not consider earning extra money by taking on more hours at work, getting a part-time job or considering our \",/*#__PURE__*/e(n,{href:\"https://genistar.online/business-opportunities/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Genistar business opportunity\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Happy Saving!\"})]});export const richText38=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Help to Buy loans have been a welcome assistance for those wishing to get onto the property ladder but did not have the funds to put down a substantial deposit. The scheme allowed first-time buyers to purchase a home with as little as a 5% deposit and access a 20% equity loan from the government (in London this was up to 40%).\"}),/*#__PURE__*/e(\"p\",{children:\"The equity loans were offered on a 5-year interest-free basis, and for many, the 5 years is soon coming to an end. Many who have accumulated savings during that time are now wondering whether they should pay back their loan, or whether they should begin paying interest on it and invest their savings instead?\"})]});export const richText39=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Property Value\"})}),/*#__PURE__*/e(\"p\",{children:\"If you are thinking about whether now is the time to pay off that loan, it\u2019s sensible to consider your property\u2019s value. Specifically, whether the value of your property is increasing or decreasing. The 20% equity loan is not a fixed amount, it is 20% of the value of your property. So, if the value of your house increases, so will the amount of the equity loan. The loan is interest-free for the first 5 years, but if your property value has risen (as many have in the last few years) you may have to pay back more than you originally borrowed.\"}),/*#__PURE__*/e(\"p\",{children:\"Example: If you bought your house in 2017 for \\xa3200,000 and accessed a 20% equity loan, that 20% was \\xa340,000. Fast forward to 2021, your house is now worth \\xa3240,000 so that 20% is now \\xa348,000 which is the amount you would repay.\"}),/*#__PURE__*/e(\"p\",{children:\"The same principle applies if the value of your house has decreased. You could pay back less than you originally borrowed. You\u2019ll need a surveyor from the Royal Institute of Chartered Surveyors (Rics) to determine the value of your property, and this will also determine how much you need to pay to clear the loan.\"})]});export const richText40=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Interest Rate\"})}),/*#__PURE__*/e(\"p\",{children:\"The interest charged on the equity loan after the 5-year interest-free period ends is less than the interest charged on most typical mortgages, but it isn\u2019t a fixed interest rate and could rise each year. Using the same example above, the monthly repayment on your original \\xa340,000 equity loan might be \\xa3629 per month whilst it\u2019s interest-free, but your monthly repayments may increase to \\xa3697 once interest is charged. *\"}),/*#__PURE__*/e(\"p\",{children:\"Besides the obvious savings on interest, other advantages of paying off the equity loan can be things such as not having to seek permission should you wish to rent out the property or make any structural changes.\"}),/*#__PURE__*/e(\"p\",{children:\"If you have the capital to pay off your equity loan, this may be particularly appropriate If your property\u2019s value has decreased, and you now have to pay less than you originally borrowed. If your repayment has increased because your property value increased, and you don\u2019t have the capital to pay it all, you can make a part payment of 10% of your current property value.\"}),/*#__PURE__*/e(\"p\",{children:\"Depending on your level of savings and the likely amount of interest or gains you could make, consider whether paying off the loan or investing the funds would be better in the long run. You might want to seek the help of an expert for this, in which case Genistar can help. **\"}),/*#__PURE__*/e(\"p\",{children:\"* Example assumes a 20% equity loan of \\xa340,000 with interest rates, after the 5-year period, of 1.75% in year 6, rising to 2.05% In year 10.\"}),/*#__PURE__*/t(\"p\",{children:[\"** Genistar can help you understand your options and create a \",/*#__PURE__*/e(\"em\",{children:\"Financial Game Plan\"}),\" for reaching your goals. Genistar work with professional partners who offer financial advice and could assist you in working out the best option for your situation.\"]})]});export const richText41=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"The start of a new year offers an opportunity to reflect on the past and set goals for the future. Give yourself the best chance of reaching your money goals in the coming year and preparing yourself for a better financial future by starting to plan now.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"SET FINANCIAL GOALS\"})}),/*#__PURE__*/t(\"p\",{children:[\"As you look back at the past year, what did you achieve? Did you \",/*#__PURE__*/e(n,{href:{pathVariables:{Tu_Pd0zTZ:\"achieving-financial-goals\"},unresolvedPathSlugs:{Tu_Pd0zTZ:{collectionId:\"VAAhE1LdG\",collectionItemId:\"UbFw4Qz7F\"}},webPageId:\"Nta7mKyVW\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"reach the financial goals\"})}),\" that you had hoped to? Did you buy that new car, go on that dream holiday or clear some of your debts?\"]}),/*#__PURE__*/e(\"p\",{children:\"If you did, congratulations! If you didn\u2019t, why didn\u2019t you? Was it because you didn\u2019t have the money to achieve those goal or was it because you didn\u2019t make a written plan and take action? If you don\u2019t write down your financial goals and set a deadline with clear targets, you are much less likely to achieve them.\"}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"strong\",{children:\"Action Step:\"})}),/*#__PURE__*/t(\"p\",{children:[\"Set your financial goal. Write it down and set a deadline. Then work out how much you need to put towards your goal each month to make it happen. If your plan isn\u2019t realistic, you may need to push your target date back. However, another option is to earn extra income to put toward your goal. You might think about taking on more hours at work, getting a part-time job or taking a look at \",/*#__PURE__*/e(n,{href:{webPageId:\"J8Wv_AaA5\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Genistar\u2019s business opportunity\"})}),\".\"]}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"\u201CA goal without a plan is just a wish\u201D \u2013 Antoine de Saint-Exup\\xe9ry\"})})})]});export const richText42=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"BUDGETING\"})}),/*#__PURE__*/t(\"p\",{children:[\"Re-examining your\\xa0\",/*#__PURE__*/e(n,{href:\"https://fortune.com/recommends/article/what-is-a-budget/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"budget\"})}),\" can help you figure out where you\u2019ll need to make adjustments. Despite the cost-of-living crisis and inflation being at an all-time high, many people are probably spending over the odds for various household purchases.\"]}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"The distance between dreams and reality is called action\"})})}),/*#__PURE__*/e(\"p\",{children:\"Reducing your mobile phone bill, getting rid of premium TV services (that you don\u2019t use), dropping magazine subscriptions (for magazines you don\u2019t read), ordering fewer take-aways and reducing your monthly shopping bill are all ways you can reduce your outgoings in order to free up more money which can be put to better use.\"}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"strong\",{children:\"Action Step:\"})}),/*#__PURE__*/t(\"p\",{children:[\"Write down your monthly outgoings and input them into our very useful \",/*#__PURE__*/e(n,{href:\"https://genistar.online/wp-content/uploads/2021/05/Fat_Finder_Fillable2.pdf\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Fat Finder Tool\"})}),\" to help you see which of your monthly expenses you could reduce in order to make some beneficial savings. You\u2019ll be surprised at how much you can save.\"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"SAVING AND INVESTING\"})}),/*#__PURE__*/t(\"p\",{children:[\"If you haven\u2019t got any \",/*#__PURE__*/e(n,{href:\"https://genistar.online/resources/calculators-2/savings-calculator/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"savings\"})}),\" in place, one of the best places to start is with \",/*#__PURE__*/e(n,{href:\"https://genistar.online/articles/the-importance-of-an-emergency-fund/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"an emergency fund\"})}),\" which will be hugely beneficial for a variety of reasons.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Once you have your emergency pot of cash in place, you can start working to accumulate money for your long-term goals such as a holiday home abroad, university fees, etc. For these long-term goals, you may want to look at \",/*#__PURE__*/e(n,{href:\"https://genistar.online/articles/invest-100-per-month-for-retirement/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"investing\"})}),\". Investing is likely to help your money grow faster in the long-term than leaving it in a savings account. However, be aware that when you invest, you need to plan on putting away your money for at least five years in order to see a good return.\"]}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"strong\",{children:\"Action Step:\"})}),/*#__PURE__*/t(\"p\",{children:[\"Write down your goals and how much is needed for each one. Decide whether saving or investing would be best for that goal \u2013 depending on when you want to achieve it, the amount, etc. If you are \",/*#__PURE__*/e(n,{href:\"https://genistar.online/articles/debt-consolidation-benefits/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"debt-free\"})}),\" and want to simply start working towards your retirement fund or another goal, why not let a Genistar representative refer you to our investment provider.\"]}),/*#__PURE__*/e(\"h4\",{children:/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"\u2018If you fail to plan, you plan to fail\u2019 \u2013 Bear Bryant\"})})})]});export const richText43=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"WE CAN HELP\"})}),/*#__PURE__*/e(\"p\",{children:\"Genistar\u2019s mission is to help families become debt-free and financially independent, so why not let us help you make this the year you start working towards a better financial future for yourself and your family?\"}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"strong\",{children:\"Action Steps\"})}),/*#__PURE__*/t(\"p\",{children:[\"If you haven\u2019t had a complimentary \",/*#__PURE__*/e(n,{href:\"https://genistar.online/articles/genistars-financial-game-plan/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Financial Game Plan\"})}),\" done yet, book an appointment with a Genistar representative. The beginning of a new year is a time when many people review their life and decide on how they are going to have a better year than the year before. So book your appointment today.\"]}),/*#__PURE__*/e(\"p\",{children:\"If you would like to increase your income in the new year, whether for the purpose of reaching your financial goals, clearing your debts or investing for your retirement, speak to a Genistar representative to find out when the next Business Opportunity Meeting is taking place.\"}),/*#__PURE__*/e(\"p\",{children:\"Watch for part 2 of \u2018Take Control of Your Financial Future in the New Year\u2019 where we will be sharing more ways in which you can get a grip on your finances.\"})]});export const richText44=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Your Estate\"})}),/*#__PURE__*/e(\"p\",{children:\"You should have a think about your assets \u2013 including houses or other property, cash, savings, investments, bonds, ISAs, cars or other vehicles, jewellery, antiques, any other items of value, etc.You should also have a think about any debts or liabilities that you have as well. This will help to determine the overall value of your estate and whether inheritance tax may be due on your death, which may affect the advice you receive.It is also useful to have as much information to hand as possible about life insurance policies, pension funds and business assets as well.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Your Executors\"})}),/*#__PURE__*/e(\"p\",{children:\"You should consider who you want to manage your estate after your death \u2013 this includes safeguarding your possessions, applying for a Grant of Probate, collecting your assets in, paying inheritance tax and any debts and ultimately ensuring your instructions in the Will are carried out. Your executors can be anyone over the age of 18, even if they are named elsewhere in your Will. It is a good idea to name reserve executors in case your first choice can\u2019t act for any reason. You can also choose to appoint professional executors but bear in mind there may be extra costs for this.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Your Family\"})}),/*#__PURE__*/e(\"p\",{children:\"If you have children under 18 and they are to be beneficiaries, you will need to appoint at least 2 trustees. The trustees can be, and often are, the same as your Executors. You should consider who you would like to be the guardians of any children of yours who are under 18. This would generally only come into effect if the other parent dies before you or at the same time. A guardian is someone responsible for the day-to-day care of your children. It is a good idea to appoint a sole person as your first choice with a reserve who could step in if needed.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Your Gifts/Legacies\"})}),/*#__PURE__*/e(\"p\",{children:\"You can leave sums of money or specific items in your Will as long as they belong solely to you. If the gift is to children, you will have to decide at which age they will be able to receive it. If you do not stipulate, they will be able to access it at 18. If you are making a number of gifts of specific items such as furniture, jewellery etc, it may be worth considering writing them into a \u2018letter of wishes\u2019 and in your Will the items will be given to your Executors to distribute in accordance with your wishes. You can then change the list at any time without making a new Will.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Your Residue\"})}),/*#__PURE__*/e(\"p\",{children:\"This is what is left of your estate (except any jointly owned assets), after payment of debts, gifts/legacies, any inheritance tax, and legal fees. Jointly owned assets will usually pass automatically to the other joint owner(s) regardless of what you state in your Will. You must specify who is to inherit the residue, and if more than one person, in what proportions. You should also cover what should happen to the residue if any of these people die before you. If children are to benefit, you can specify the age at which they become entitled to receive their share.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Other Factors\"})}),/*#__PURE__*/e(\"p\",{children:\"On marriage, any previous Will is automatically revoked unless it contains a specific clause saying otherwise. On divorce, any gift in your Will to your ex-spouse is cancelled as is any appointment as Executor, but the rest of the Will still stands. In either of these circumstances you should review your Will as it can cause problems. If you are not making any provision for a spouse or partner, or a former spouse, or a child, it is possible that they could claim against your estate. If this applies to you, you should seek further advice to protect your estate as far as possible.\"})]});export const richText45=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"When setting out on a journey in your car, the first thing you must do is decide upon a destination. Then you choose the best route to take you there. Setting financial goals works in the same way. 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By creating a budget and taking a careful look at your finances, you might be surprised at what you can save. Look at each expense and ask yourself whether you would be prepared to give that up\u202Fin order to\u202Fachieve your goal.\"})]});export const richText46=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Finding money to save\"})}),/*#__PURE__*/e(\"p\",{children:\"Think about which expenses might be unnecessary: Are you paying a monthly bank fee for insurances you don\u2019t need or use?\u202FOr a gym membership? So many things now are offered on subscription, and it\u2019s easy to forget what you have that you don\u2019t use. For example, fitness services, tv subscriptions, magazine subscriptions, etc. Check old direct debits and see what you can cut out. Most online banking services have a \u2018direct debits and standing orders\u2019 section where you can view what is set up from your account. Be careful not to cancel anything important!\"}),/*#__PURE__*/e(\"p\",{children:\"Are you already spending \\xa350 per week on unnecessary items? What about takeaway food or expensive coffees on the way to work? Do you munch on artisan sandwiches instead of a packed lunch? Over 12 months, spending \\xa36 per workday on lunch equates to over \\xa31,000!\u202FSwapping to a cheaper supermarket for your family food shop can also help you to save substantial amounts over the year.You might\u202Flook into\u202Fcomparing the cost of your utilities to see whether you could get a better deal on things like:\u202Fmobile phone tariffs,\u202FTV services, internet packages, and utilities.\u202FReview your car and home insurance to make sure you have the coverages that\u2019s right for you.\"}),/*#__PURE__*/e(\"p\",{children:\"You might consider making some money by selling unwanted items online, starting an online business, or taking a part-time job.\"}),/*#__PURE__*/e(\"p\",{children:\"If you are an impulse spender, try waiting 72 hours before purchasing something you think you need or want. This should help you avoid impulse purchases, because if you have forgotten about it over 3 days, you probably didn\u2019t need it.\"}),/*#__PURE__*/e(\"p\",{children:\"To keep yourself focused on your goal, put pictures of it around your house. This will remind you what you are working towards\u202Fand serve as a constant motivator.\"}),/*#__PURE__*/t(\"p\",{children:[\"For more on goal setting, read \",/*#__PURE__*/e(n,{href:{pathVariables:{Tu_Pd0zTZ:\"goal-setting-8-easy-steps\"},unresolvedPathSlugs:{Tu_Pd0zTZ:{collectionId:\"VAAhE1LdG\",collectionItemId:\"vWcuEHt5X\"}},webPageId:\"Nta7mKyVW\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Goal Setting in 8 Easy Steps\"})})]})]});export const richText47=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"Your Genistar representative can offer you a complimentary Financial Game Plan which is like a \u2018sat nav\u2019 for your finances. Based on your own goals and objectives, it can show you how to get from where you are to where you want to be financially.\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"And if you\u2019re thinking about planning a trip, get in touch with your Genistar Representative to see how they can help. Alongside our partners at Not Just Travel, we can help you to plan your dream getaway\u202Fwith special offers and bespoke packages available now.\"})})]});export const richText48=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Save Energy as a Family and Have Fun in the Process\"})}),/*#__PURE__*/t(\"p\",{children:[\"Genistar has developed a free, short \",/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"Family Energy Challenge\"})}),\" course which is designed for families to work through together. It will help parents educate their children about energy and engage them in the process of saving energy in the home.\"]}),/*#__PURE__*/e(\"p\",{children:\"With the price of gas, electricity, and other household costs on the rise, we are all looking to cut costs. One way to do this is to reduce the amount of energy we waste at home. We all need to be more conscious of the energy we use, and it works best if the entire family gets involved.\"}),/*#__PURE__*/t(\"p\",{children:[\"This course is free and can be found on\\xa0\",/*#__PURE__*/e(n,{href:\"https://genistar.courses/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"genistar.courses\"})})}),\".\"]})]});export const richText49=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"In this course the family will work together to:\"})}),/*#__PURE__*/t(\"ul\",{style:{\"--framer-font-size\":\"16px\",\"--framer-letter-spacing\":\"-0.25px\",\"--framer-text-alignment\":\"left\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-transform\":\"none\"},children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"Identify items at home which use gas and electricity\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"Create a plan showing how they will take steps to reduce the energy consumption\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"Put that plan into action and begin to use less energy\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"Monitor the results of their energy-saving actions\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"Have fun in the process of saving energy\"})})]})]});export const richText50=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"Family Energy Challenge\"})}),\" is designed to be led by the parents, and it challenges the entire family to reduce energy usage and save money on the bills. It is flexible enough so that it can be used with children of almost all ages. Parents are encouraged to adapt it to their child\u2019s age and interest level.\"]}),/*#__PURE__*/e(\"p\",{children:\"There are printable charts for everyone to fill showing their energy-saving actions, and there is a certificate at the end.\"})]});export const richText51=/*#__PURE__*/e(i.Fragment,{children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"If you would like to get your children involved in saving energy in the home, have a look at Genistar\u2019s Family Energy Challenge on \"})}),/*#__PURE__*/e(n,{href:\"https://genistar.courses/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"genistar.courses\"})})})}),/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\". 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I did well in sciences, and the process was, you\u2019re gonna go to medical school, and you\u2019re going to become a medical doctor. And I did really well. I was working towards that. I went into medical school and was doing really well. And then a few months before I graduated, I had an accident, quite severe accident, where I had complete amnesia for a few months. So for, I think, four months, I didn\u2019t know anybody around me. So my memory came back slowly. But it did mean that I couldn\u2019t go back and finish medical school when I only had a few months remaining. And that just threw me into a really dark place, I had grown up knowing this was what I was going to be, that I was gonna be a medical doctor. And then a few months before finishing, that path just ended.\"}),/*#__PURE__*/e(\"p\",{children:\"So, I ended up in the UK because I had family here, my sister\u2019s a medical doctor. So I ended up coming here. But my journey was never really to come to the UK. It was to study medicine, I\u2019m from Cameroon and Cameroon is majority French speaking, so I was going to train as a medical doctor, go to France, get my specialisation done and go back to practice in Cameroon. But the accident changed that completely. So I came to the UK, got treatment and my memory came back slowly. I\u2019m not sure if it\u2019s fully back yet. But it came back enough for me to go and do a degree in Marketing with Business.\"}),/*#__PURE__*/e(\"p\",{children:\"I did that and worked in payroll and worked my way up really quickly because there was this part of me that was just dissatisfied. So any job that I got, I would work really hard. I wanted to get to the top. I got a job in payroll, and I hated it. I moved over and started working as a business analyst. I was contracting, making lots of money, but I still hated it. There was just the emptiness that I was carrying around. 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And then I learned what it is that Genistar really does. And I liked it. Because it came back to the place where its service.\"}),/*#__PURE__*/e(\"p\",{children:\"I found that I was able to deliver the service. I\u2019m not able to prescribe medication, but I feel like I\u2019m able to help people and stop them from even going to the doctor. And for me it just clicked it\u2019s like I found that purpose again. After going around and trying everything and just trying to fit in I found it.\"})]});export const richText55=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"This article is contributed by Genistar\u2019s partner, APS Legal & Associates.\"}),/*#__PURE__*/t(\"p\",{children:[\"End-of-life planning is a topic which is hard to address and all too easy to put off. Many people find it challenging to make a Will and all the \",/*#__PURE__*/e(n,{href:{pathVariables:{Tu_Pd0zTZ:\"things-to-consider-before-making-a-will\"},unresolvedPathSlugs:{Tu_Pd0zTZ:{collectionId:\"VAAhE1LdG\",collectionItemId:\"Pm1oZsibg\"}},webPageId:\"Nta7mKyVW\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"things to consider before making a will\"})}),\" as it can raise some difficult issues and questions. Hopefully this guide can help you to approach the subject of making a Will by explaining the many \",/*#__PURE__*/e(n,{href:{pathVariables:{Tu_Pd0zTZ:\"should-you-have-a-will\"},unresolvedPathSlugs:{Tu_Pd0zTZ:{collectionId:\"VAAhE1LdG\",collectionItemId:\"jjG3MtQkH\"}},webPageId:\"Nta7mKyVW\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"benefits of making a will\"})}),\".\"]}),/*#__PURE__*/e(\"h2\",{children:\"Do I need a Will?\"}),/*#__PURE__*/e(\"p\",{children:\"In short, yes. Regardless of your circumstances, it is advisable for everyone over the age of 18 to have a Will in place. You may be asking yourself if your Will needs to be prepared by a solicitor or professional Will writer (with the cost that that entails) or whether you can use a more \u2018DIY\u2019 option. Almost without exception, a professionally drafted Will is the better option. Not only can you be confident that your estate will pass according to your wishes and instructions, but you will be guided in thinking about your assets and family circumstances to ensure that all matters are appropriately dealt with.\"}),/*#__PURE__*/e(\"p\",{children:\"The format of a DIY Will is likely to be limited, and your particular estate and circumstances may benefit significantly from a particular type of Will. For example, some people may be well advised to set up a trust in their Will for reasons of asset protection or flexibility and this would certainly require professional and careful drafting. Without the assistance of a professional, you may be missing the opportunity of leaving your estate in the most secure and efficient way possible.\"})]});export const richText56=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Terminology\"}),/*#__PURE__*/e(\"p\",{children:\"Before we consider the benefits of making a Will, you may find the following table useful to help you understand some words that are frequently used in Will drafting. These include:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Testator\"}),\" \u2013 You, the person making the Will.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Estate\"}),\" \u2013 All of your assets (the property you own or have a right to) and possessions whether on your own or with someone else, as well as any debts or liabilities you have (for example, credit card debt or a mortgage) (the liabilities will reduce the value of the assets to leave a \u2018net\u2019 estate).\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Executors\"}),\" \u2013 These are the people who will collect in and look after your estate (i.e., establish what assets you have and ensure liabilities are settled), pay any inheritance tax and distribute your estate according to the terms of your Will.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Beneficiary\"}),\" \u2013 This is a person who stands to benefit from your Will.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Residuary estate or residue \u2013 This is the amount or assets left of your estate (often it is the bulk of your estate) after gifts have been made, debts settled and tax paid.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Intestate\"}),\" \u2013 Dying without a valid Will in place, with the result that intestacy laws (i.e., a set of prescriptive rules) will determine who gets what from your estate.\"]})})]})]});export const richText57=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"What are the benefits of making a Will?\"}),/*#__PURE__*/e(\"p\",{children:\"There are many benefits to making a Will. These include:\"}),/*#__PURE__*/e(\"p\",{children:\"Giving you control by ensuring you do not die intestate\u2014this means that your assets pass to those you intended (and are not dictated by general intestacy rules) and that your estate is administered by people you choose\"}),/*#__PURE__*/e(\"p\",{children:\"Ensuring you have appointed executors which makes it much easier and quicker to administer your estate\"}),/*#__PURE__*/e(\"p\",{children:\"Ensuring that the people who matter most to you are looked after if you die\u2014this is particularly important if you have young children or if someone vulnerable is dependant on you\"}),/*#__PURE__*/e(\"p\",{children:\"Helping you focus on and think about what your assets and liabilities may be if you die\u2014this helps you put your affairs in order during your lifetime if you need to\"}),/*#__PURE__*/e(\"p\",{children:\"Ensuring your estate and what you leave behind is maximised by using tax planning and tax reliefs appropriately, particularly in relation to inheritance tax\"}),/*#__PURE__*/e(\"p\",{children:\"Ensuring (either through the Will itself or in a supplementary document) that some other very important matters are dealt with, for example appointing guardians if you have young children or detailing your funeral wishes\"}),/*#__PURE__*/e(\"p\",{children:\"Securing benefits which arise in relation to particular assets you may have, for example:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"a foreign property (e.g. if you have a home abroad, it will be important to establish how and to whom this will pass on your death and to ensure as far as possible that this is in accordance with your wishes and not local law)\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"business property \u2013 if you are a company or business owner, preparing a Will allows you to plan the succession of the business, as well as maximise any possible tax reliefs for passing the business to the next generation\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"farming or agricultural land \u2013 as above, if you own or manage farmland a Will would allow you to do succession planning, and also maximise tax reliefs\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Allowing you to make gifts to particular people or charities/organisations that are important to you\"}),/*#__PURE__*/e(\"p\",{children:\"Allowing you to the opportunity to discuss your estate planning with your family which will significantly reduce the risk of Disputes arising after your death\"}),/*#__PURE__*/e(\"p\",{children:\"On behalf of APS Legal & Associates Ltd, Head office: Worksop Turbine Innovation Centre, Shireoaks Triangle Business Park,Coach Close, Worksop, Nottinghamshire, S81 8AP | APS Legal & Associates is a member of the Institute of Professional Willwriters | APS Legal & Associates complies with the Trading Standards Institute Approved IPW Code of Practice\"}),/*#__PURE__*/e(\"p\",{children:\"Contact your Genistar representative If you are interested in making a will, and they will be able to give you further information.\"})]});export const richText58=/*#__PURE__*/e(i.Fragment,{children:/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"em\",{children:\"With the right mindset, you will begin to see challenges as opportunities, and failures become a chance to learn and grow.\"})})});export const richText59=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"A Winning Mindset Course\"})}),/*#__PURE__*/e(\"p\",{children:\"Having a winning mindset will help you in every area of your life, and mastering the four simple steps covered in this course can set you on the path to a happier future.\"}),/*#__PURE__*/e(\"p\",{children:\"This free, short, video course is presented by Steve Jenkins. Steve has been in the financial services business for many years and was one of the founders of Genistar. In addition to educating his many clients about financial concepts, he has trained up a large team of leaders to do the same. A winning mindset is an important part of Steve\u2019s philosophy, both in his personal and business life.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"strong\",{children:\"In this course, Steve presents four simple steps to set us on the right track toward developing a winning mindset:\"})}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Focus On What\u2019s Going Right in Your Life\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Take the Challenge to Go Seven Days without a Negative Thought\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Become Curious\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Appreciate Others\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Decide Not to Be Perfect\"})})]})]});export const richText60=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"You might also like this article: \",/*#__PURE__*/e(n,{href:{pathVariables:{Tu_Pd0zTZ:\"positive-look-at-life-and-money\"},unresolvedPathSlugs:{Tu_Pd0zTZ:{collectionId:\"VAAhE1LdG\",collectionItemId:\"LRh2Ra0O8\"}},webPageId:\"Nta7mKyVW\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"A Positive Look at Your Life and Your Money\"})})})]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"If you are interested in taking \"}),/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"A Winning Mindset\"})}),/*#__PURE__*/e(\"strong\",{children:\" course, go to \"}),/*#__PURE__*/e(n,{href:\"https://genistar.courses/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"genistar.courses\"})})}),/*#__PURE__*/e(\"strong\",{children:\". You will need to register on the site then enrol in a membership to take this free course.\"})]})]});export const richText61=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Financial planning for women\"})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"em\",{children:\"Taking control of one\u2019s financial future is highly important for both men and women who want to achieve their \"}),/*#__PURE__*/e(n,{href:\"https://genistar.online/articles/achieving-your-goals/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"em\",{children:\"financial goals \"})})}),/*#__PURE__*/e(\"em\",{children:\"and dreams. However, last year I learnt just how important it is for women in particular to take charge of their financial destiny.\"})]}),/*#__PURE__*/t(\"p\",{children:[\"One evening I decided to browse Eventbrite to see if there were any events of interest. I came across a free webinar titled \u2018\",/*#__PURE__*/e(n,{href:\"https://genistar.online/articles/take-control-of-your-finances-in-the-new-year/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Take Control of Your Financial Future\u2019\"})}),\". The title immediately caught my eye and after reading a bit further, I registered for it and put the date in my diary.\"]}),/*#__PURE__*/e(\"p\",{children:\"To say the webinar was eye-opening is an understatement. The content and presentation were interesting and informative as well as thought-provoking. It delivered many facts related to women generally and to their finances.\"})]});export const richText62=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Life Events that Affect Women\"})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"br\",{}),\"I learnt that in addition to the gender pay gap, there are a number of life events that result in women ending up with less money when they are ready for retirement. These include:\"]}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Taking a break in their career to have a baby\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Moving to part-time work to raise a family\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Stopping work due to menopause or women\u2019s problems\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Taking time off to look after elderly parents\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Women\u2019s pension pots are affected even further as women tend to miss out on promotion opportunities for career progression when they spend time out of the workplace.\"}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/t(\"em\",{children:[\"\u201CYou must gain control over your money or the lack of it\",/*#__PURE__*/e(\"br\",{}),\"will forever control you.\u201D \u2013 Dave Ramsay\"]})}),/*#__PURE__*/e(\"p\",{children:\"Divorce is another life event that affects women and their pension pots. After property, the pension pot is typically the second-largest asset in a marriage and, yet again, women tend to fare worse financially than men following a divorce.\"})]});export const richText63=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Women and Retirement\"})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Women are reaching retirement age with \\xa3136,800 less in their pension than the average man according to a report by Now Pensions [1].\"}),\" They are retiring with just 12% of the pension wealth of men.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"The \",/*#__PURE__*/e(n,{href:\"https://genistar.online/resources/pension-calculator-2/\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"pension\"})}),\" provider said women would need to work an additional 18 years in full-time employment to close the gender pension gap \u2013 which would mean working until the age of 83, rather than 65.\"]}),/*#__PURE__*/e(\"p\",{children:\"For self-employed women, their retirement savings pot is equally affected when life events such as those mentioned above happen. No work for a self-employed individual equals no pay, which undoubtedly highlights the advantages of being a business owner and having a system whereby money comes in regardless.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Planning for the Unforeseen\"})}),/*#__PURE__*/e(\"p\",{children:\"However much we plan, we know that sometimes things are simply out of our control. Covid-19 and the pandemic reminded everyone how unpredictable life can be. It came with no warning, and it showed that the need to plan as far ahead as possible is imperative to reduce any damaging effects.\"}),/*#__PURE__*/t(\"p\",{children:[\"Today, there is not a day that goes by when we don\u2019t hear news about the \",/*#__PURE__*/e(n,{href:\"https://en.wikipedia.org/wiki/2021%E2%80%93present_United_Kingdom_cost_of_living_crisis\",motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"cost-of-living crisis\"})}),\" we are in, and how rising interest rates and increases in our gas and electricity bills, grocery shopping and mortgages are inescapable.\"]}),/*#__PURE__*/t(\"h3\",{children:[/*#__PURE__*/t(\"em\",{children:[\"\u201CFinancial planning and discipline is key to one\u2019s financial freedom.\u201D \u2013\\xa0\",/*#__PURE__*/e(\"br\",{})]}),/*#__PURE__*/e(\"strong\",{children:\"Kishorkumar Balpalli\"})]}),/*#__PURE__*/e(\"p\",{children:\"Taking control and future-proofing your finances is a proactive approach that all can and should adopt at any time \u2013 and the sooner the better. Not only can planning help you achieve your financial goals, but it can also provide peace of mind and allow you to look after your loved ones in the future.\"}),/*#__PURE__*/t(\"p\",{children:[\"For women, \",/*#__PURE__*/e(n,{href:{pathVariables:{Tu_Pd0zTZ:\"control-your-finances\"},unresolvedPathSlugs:{Tu_Pd0zTZ:{collectionId:\"VAAhE1LdG\",collectionItemId:\"erOzBTjSw\"}},webPageId:\"Nta7mKyVW\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"financial planning\"})}),\" is not just important \u2013 it is crucial. 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[2]\"}),/*#__PURE__*/t(\"p\",{children:[\"This also includes increasing one\u2019s financial knowledge in order to be more confident to make those all-important financial decisions. An \",/*#__PURE__*/e(\"em\",{children:\"FCA Financial Lives\"}),\" survey [3] suggests that having low confidence in managing money, low knowledge about financial matters, or not seeing themselves as a savvy consumer is stopping women from taking an active role in managing their money.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"FGP\"}),\" \u2013 At Genistar in addition to helping you learn how money works through financial education, we can provide you with a complimentary \",/*#__PURE__*/e(n,{href:{pathVariables:{Tu_Pd0zTZ:\"achieving-financial-goals\"},unresolvedPathSlugs:{Tu_Pd0zTZ:{collectionId:\"VAAhE1LdG\",collectionItemId:\"UbFw4Qz7F\"}},webPageId:\"Nta7mKyVW\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Financial Game Plan (FGP)\"})}),\" to help you plan for your goals and achieve financial independence.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Business Opportunity\"}),\" \u2013 Additionally, if you are seeking extra income whilst you work part-time or full-time, or if you are seeking a career change, why not find out more about \",/*#__PURE__*/e(n,{href:{webPageId:\"J8Wv_AaA5\"},motionChild:!0,nodeId:\"VAAhE1LdG\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Genistar\u2019s business opportunity\"})})]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Women in Genistar\"}),\" \u2013 At Genistar we have a large percentage of women representatives. 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Why do you think that is?\"}),/*#__PURE__*/e(\"p\",{children:\"Is it because they don\u2019t know what budgeting is? Or maybe because they think they don\u2019t need to do it? Or maybe they don\u2019t know how to do it?\"}),/*#__PURE__*/t(\"p\",{children:[\"In its simplest form, budgeting is the process of creating a plan for spending your money. This spending plan is called a\\xa0\",/*#__PURE__*/e(\"em\",{children:\"budget\"}),\". Creating one allows you to see, in advance, whether you will have enough money to do the things you need or want to do.\\xa0\",/*#__PURE__*/e(\"em\",{children:\"Budgeting\"}),\"\\xa0is simply balancing your expenses with your income.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"How To Create A Budget\"})}),/*#__PURE__*/e(\"p\",{children:\"There are several different ways to go about creating a budget but one of the easiest formulas is the 10-10-10-70 principle. This principle consists of allocating 10% of your monthly income to each of the following categories: emergency fund, long-term savings, and giving. The remaining 70% is for your living expenses.\"}),/*#__PURE__*/t(\"ul\",{style:{\"--framer-font-size\":\"16px\",\"--framer-letter-spacing\":\"-0.25px\",\"--framer-text-alignment\":\"left\",\"--framer-text-color\":\"rgb(64, 64, 64)\",\"--framer-text-transform\":\"none\"},children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"10% \u2013 Long Term Savings \u2013 Saving for big expenses such as university, new home, retirement, etc.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"10% \u2013 Short Term Savings \u2013 Saving for a holiday, or for an emergency fund to handle unexpected expenses.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"10% \u2013 Charity \u2013 Helping others and making the world a better place through some form of giving.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.5em\"},children:/*#__PURE__*/e(\"p\",{children:\"70% \u2013 Living Expenses \u2013 Bills, food, daily travel, etc.\"})})]})]});export const richText65=/*#__PURE__*/e(i.Fragment,{children:/*#__PURE__*/t(\"h5\",{children:[/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/t(\"strong\",{children:[\"\u201CDefiniteness of purpose with positive mental attitude is the\",/*#__PURE__*/e(\"br\",{}),\"starting point of all worthwhile achievement.\u201D\",/*#__PURE__*/e(\"br\",{}),\"-\"]})}),\"Napoleon Hill\"]})});export const richText66=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"You Can Do It\"})}),/*#__PURE__*/e(\"p\",{children:\"The biggest challenge for many people interested in the 10-10-10-70 principle is that they might have to reduce their living expenses. This can seem difficult when you don\u2019t have a lot of money (or any money) left over at the end of the month.\"}),/*#__PURE__*/e(\"p\",{children:\"But it is achievable. Making some adjustments, such as spending more wisely on food, household items, clothes, bills, etc, will free up money which can then go towards building up an emergency fund, long-term savings, and giving.\"}),/*#__PURE__*/e(\"p\",{children:\"However, in order to achieve this, you will need to have the right mindset. Setting goals will be a big help. Knowing what you are saving for, as well as why, will help motivate you to keep working towards building up your savings pot.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Small Savings Add Up\"})}),/*#__PURE__*/e(\"p\",{children:\"Think about it, nearly everyone spends \\xa31 \u2013 \\xa35 per day on unnecessary items. That adds up to \\xa330 \u2013 \\xa3150 per month spent on things you don\u2019t need: sweets that add to your waist size, a shirt that you wear only once, an adorable little trinket that sits on your desk for a week then spends the rest of its life inside a drawer\u2026 Does this sound familiar?\"}),/*#__PURE__*/e(\"p\",{children:\"If instead, you had saved that money,, at the end of the year,, you could have an extra \\xa3360 \u2013 \\xa31800 to put toward your short-term and long-term savings goals.\"})]});export const richText67=/*#__PURE__*/e(i.Fragment,{children:/*#__PURE__*/e(\"h5\",{children:/*#__PURE__*/e(\"em\",{children:\"Knowledge + Action = Results\"})})});export const richText68=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Write It Down\"})}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s a good idea to keep your budget in a notebook (not on a scrap piece of paper which can easily get lost in the deluge of papers on your desk). Keep relevant notes that will help you along the way as you work towards the 10-10-10-70 principle.\"}),/*#__PURE__*/e(\"p\",{children:\"Write down your goals, steps you need to take, timeframes, and any other notes that will help you achieve what you have set out to do. 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Maybe for the next 6 months, or even longer, you can only achieve 5-5-5-85, don\u2019t worry. This is a good starting point. However, if you are working towards the 10-10-10-70 principle, gradually you will start to make wiser lifestyle decisions ranging from reducing your food shopping bill, eating out less, resisting the urge to buy clothes that you don\u2019t need, reducing your energy bills \u2013 and much more.\"}),/*#__PURE__*/e(\"p\",{children:\"The most important thing of all is to get started \u2013 and if you do, it won\u2019t be long before the 10-10-10-70 principle will become a way of life for you. 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I realised I could work for a company and if I pass away at that company, they\u2019re gonna tell my family, \u2018Oh she was such a hard worker. She was lovely, she was so bubbly. Well, you know, we\u2019re sorry for your loss.\u2019 And that\u2019s it.\"}),/*#__PURE__*/e(\"p\",{children:\"So when I can\u2019t be with my family because of crazy times, I say, \u2018Look, guys, I\u2019m building a legacy. You all leave me alone. Mother\u2019s on a journey.\u2019\"})]});export const richText84=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Tomorrow is a promissory note, and yesterday is a cancelled cheque. We must make the most of the time we have today. So, how can we be more productive with the time we have? 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