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Money Matters Where there’s a Will… Q: Do I need a Will? A: : If you are over 18 years of age and have assets then the answer is yes! A Will offers you a degree of certainty over where your assets will go after your death. For example, it allows you to set out how you wish your assets to be distributed between your beneficiaries, how to make provision for any beneficiaries with special needs, and how to make charitable donations. If you die without a Will, legislation will dictate how your assets will be distributed after your death and even who will look after your children if they are still minors. This may not be what you had expected to happen. There are several decisions to make when writing your Will. Things such as: • Who will be responsible for distributing your assets according to your instructions (your executor); • Who will get your assets (your beneficiaries); • When and how your assets will be distributed. Even if you have a Will, it may need to be reviewed to ensure it is kept up to date with your wishes and changes in your circumstances. You should review your Will on a regular basis (every three to four years) and when certain life events occur such as: • Marriage, separation, divorce, or entering into a de facto relationship; • Birth of children or grandchildren; • Death of an executor or a beneficiary; • Change in your financial circumstances. You should also be aware that your Will is revoked or cancelled if you get married (unless you make it in contemplation of your marriage), but not if you get divorced. You can either make a Will with advice from a legal practitioner or on your own using a do-it-yourself Will kit. Be very careful if you want to write your own as the existence of blended families and jointly held assets can be important factors to be considered, and there are very strict rules about how it can be signed. At Q Invest we have relationships with legal practitioners who are able to help you prepare your Will. This article has been prepared by Q Invest Limited (ABN 35 063 511 580 AFSL 238274) and is for general information only. It does not take into account your individual goals, financial situation or needs. You should consider these before you make any decision based on this information. Q Invest is owned by the QSuper Board of Trustees.
It’s a wrap for RAAP <strong>2011</strong> <strong>QFRS</strong> Road Attitudes and Action Planning (RAAP) program presenters have enjoyed another successful year reaching out to senior high school students and educating them that with their new-found freedom comes the responsibility to be safe and responsible on our roads. RAAP presenters around the state drove their message through to almost 30 000 Year 12 students in <strong>2011</strong>, giving them an insight to what happens in a road crash, the aftermath and the effects on victims and their families. In Queensland, 17-24-yearolds account for 27 per cent of all road fatalities, despite making up only 11 per cent of licence holders. The RAAP program is a statewide initiative run by <strong>QFRS</strong> targeting novice and pre-licenced drivers, as well as passengers. The program is designed to reinforce in young drivers the need to ‘Plan Ahead’. Firefighters visit schools to conduct an interactive multi<strong>media</strong> presentation which explores the causes of crashes and explains <strong>QFRS</strong>’s role. The program seeks to provide positive outcomes and influence behaviours by encouraging students to discuss their attitudes to driving and adopt strategies to stay safe in potentially risky situations. RAAP State Coordinator Peter Derges said the presenters have done a fantastic job communicating to young adults embarking on a journey into the real world. ‘What these presenters provided to the students was a real-life and first-hand experience of what they have seen at crash sites and a genuine plea to the students to be safe on our roads,’ Peter said. roads, attitudes and action planning ‘There is no masking the passion these presenters have for the cause and the students pick up on this. ‘The presentation comes from the heart and that is why you see the students and teachers getting emotional. They truly relate to and bond with the presenters and that is what makes the program work. “It is a proactive approach to educate students before they get themselves into trouble. Regardless of whether they are in a car, on a pushbike or just walking along the road, the message is to be aware of your surroundings,’ he said. – Tamani Nair www.communitysafety.qld.gov.au Emergency December <strong>2011</strong> 29
Page 1 and 2: December 2011 A pu
Page 3 and 4: Peers award QAS for management prac
Page 5 and 6: IBM thanked for disaster donation I
Page 7 and 8: Connect with us online Facebook www
Page 9 and 10: The devastating cyclones and floods
Page 11 and 12: elationships with major partner NRM
Page 13 and 14: Paramedics award Brisbane young her
Page 15 and 16: QFRS triathlon dea
Page 17 and 18: A hero discount for SES</st
Page 19 and 20: The increasing number of large-scal
Page 21 and 22: Most of the tunnels over 1500m have
Page 23 and 24: Safety in focus as DCS</str
Page 25 and 26: An innovative collaboration between
Page 27: Paramedics test post-cyclone capabi
Page 31: A dvanced Care Paramedic Keara Baco

DCS embraces social media p6 SES Week 2011 p8 QFRS tries on ...

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