Financial health & well being – One step at a time Kingfisher Club - Gold standard fitness
The first week of the New Year is always a time for people to look forward and plan ahead. People all across the country focus on the things that we will do better in 2017 – with a strong focus on our long term health and well being. Most professionals tell us to set a goal, commit to it and then take one step at a time
Financial health and well being is something that also needs a bit of focus at this time of the year. We all have very busy lives and on top of that over the last decade with the property crash and subsequent job losses and tax increases it is no wonder that many people have had no time or money to spend considering their financial health. However it is as important as any other element of our lives and it won’t look after itself.
Here’s what I recommend as a first step. Ask yourself three simple questions (and get your partner to do the same thing) –
1. What will happen to my family if I was to die?
Admittedly it’s a bit morbid but it’s an important question. The mortgage will probably be paid off but what about if you were renting? What income will come into the house to pay the bills, buy the food, clothe the kids, and pay for school?
2. What if you don’t die but can’t work or can’t do the same job?
Maybe you get sick or have an accident and can’t work – who will pay the bills then? We all know people who have been lucky enough to survive cancer, heart attack or stroke but what about the real practical consequences afterwards? How would you cope financially?
3. What if it all goes well and no one dies or gets sick and you get to retirement hale and hearty?
Whilst the State Pension will be paid to most of us (at some stage), the reality is that it is not going to be sufficient to provide a real quality of life when you get to the point where you want to stop or reduce the time you spend working. What happens then? Have you any additional income? More importantly - have you a retirement plan and I don’t just mean a pension policy, I mean an actual plan for when you are going to retire and how you will live your life in retirement?
Perhaps set yourself a goal of having answers to these questions by the end of the month? And maybe make an arrangement to talk them through with an independent Financial Adviser as the next step? It’s a lot easier than going to the gym and ultimately it is just as important!
Happy New Year from all at HC Financial Advisers. . . we advise.
Brian Molloy MBA, QFA FLIA, MIIPM
Director & Chief Operating Officer
HC Financial Advisers
T: 091 788000
The Kingfisher Group swept the boards at the recent White Flag Award ceremony with three Gold awards for its clubs based in NUI Galway, Renmore and Waterford.
This year’s Ireland Active Conference and White Flag National Quality Standard Awards took place at the Hodson Bay Hotel in Athlone. The ceremony awarded leisure and fitness facilities for their remarkable standards in the areas of safety, hygiene, customer service and human resources.
The White Flag National Quality Standard, grades facilities’ operational standards, similar to the Blue Flag award which classifies Ireland’s beaches, and it is the most sought after accolade in the leisure and fitness industry. It is the only industry specific award for the Irish leisure and fitness sector and this year saw over 100 entrants for the Awards.
The White Flag National Quality Standard is based on the four essential areas when operating any leisure or fitness centre: Safety, Hygiene, Customer Engagement and HR. The standard is designed to encourage continuous improvement and it is categorised into three levels for the leisure and fitness sector: Gold, Silver and Bronze.
As well as securing the gold standard for all its clubs, the overall Leisure Centre of the Year was awarded to the Kingfisher Club Renmore.
New for January 2017
Not content with this, the Kingfisher Clubs are upgrading and adding to their already amazing facilities. This January all three clubs will have their weights areas upgraded with new weights, new machines and flooring. They are also installing new spin bikes in their state of the art studios.
Finally, all clubs will be adding a dedicated TRX functional Zone, in keeping with the Kingfisher policy of being leaders in the Fitness market, these zones are the first of their kind in Ireland.
To join visit www. Kingfisherclub.com today to arrange your Free Trial.
Kingfisher Club – ‘Your Fitness, Our Focus’.
Copyright © 2011-2017 Galway Independent