ALLARS, Simon

ISBN 978-1-923265-85-1
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Taking Care of Business

Business is immensely rewarding yet extremely tough, rather like parenting. My purpose in writing this book is to encourage you that you are not alone in your daily struggles and the various challenges you encounter.

Our business began to provide us the flexibility needed to work around our young family, and twenty years later it has matured into adulthood. This didn’t happen without the inevitable growth spurts and pains, triumphs and tantrums, highs and lows.

I hope that some of the twenty lessons I’ve shared will motivate you on your own journey, and help you to enjoy the adventure of business more daily.

ISBN 978-0-645156-23-2
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Plan G

Your life is your opportunity to encounter God and His intentions for you.

Plan G is the blueprint to discover God’s plan and purpose for your life. It’s worth remembering that only God can enter your life knowing your future and with the correct viewpoint. Given this foreknowledge, what we all really need is His Plan G – God’s plan – which is about His unfailing goodness to all generations and comes with an eternal, not just a lifetime, guarantee.

It’s God’s great rescue plan for His most precious creation – mankind. It’s like no other plan ever devised. It is timeless, priceless and matchless and there’s a place within it just for you. If you’ve tried plan A without success and your plan B hasn’t worked either, it’s time for you to discover Plan G: the grand design for all time; the plan for mankind from beginning to end. May God bless you and reveal His truth to you as you read about and join the dots of His marvellous plan.

Hill of Grace quality Christian content

ISBN 978-0-648586-21-0
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George

George tells the life story of George T Tilston, who experienced his fair share of trouble and sorrow in his first threescore and ten years: two world wars, a great depression and a deep recession to name a few.

On the verge of reaching his seventieth birthday he did ‘fly away’ – not off the perch exactly, but off to Perth in Western Australia – propelled by the love for his family and the promise of a new beginning.

Hill of Grace quality Christian content
Simon Allars Author of George

About the Author

Simon Mark Allars was born in Chester, England and now lives in Melbourne, Australia.

A former failed bank teller, often lost backpacker, tin-opening chef and communications consultant, he now works with his wife Sandra in their aged care service business.

Simon is the proud dad of three lovely daughters: Abbey, Olly and Hannah – all of whom have inherited his wacky sense of fun and love of Liverpool Football Club. He has written several manuscripts before, but George was his first in print.

 
 

ZHAO, Hongzhan

ISBN 978-1-922452-42-9
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Accidents

 

Their Evolution, Assessment, Investigation, and Prevention

The main motivation for writing this book is to provide, at a minimum, a current and concise resource on accident causation, the accompanying theories and models, and their impact and importance on the investigation, analysis, and prevention of accidents. The primary goal of the book is to present the different methods of accident analysis and investigation and explain why it is important to consider the various theories of accident causation, system behavior, human factors, dynamic situations, and risk management. The goal is also to share knowledge and up-to-date information about these topics.

ISBN 978-1-922629-19-7
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EFFECTIVE Health, Safety and Environment COMMUNICATIONS

Good communication practises lie at the heart of every successful business. Communication serves to disseminate information essential for employees to get things done, and it also builds relationship of trust and commitment. Without good communication, employees end up working “in the dark” with no clear direction, vague goals, and little opportunity for improvement.

This book serves to help leaders and HSE professionals to achieve effective HSE communications that is interactive, informative, positive, and productive. If followed closely, its information, can help an organization or entity to achieve positive results and benefits.

ISBN 978-1-922527-16-5
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A Compendium of Hazard and Risk Knowledge + HSE Terminology

An indispensable resource for anyone who needs to know the vital terms used by HSE practitioners when communicating occupational health, safety and environment issues.

That liquid spill on your factory floor – is it an incident, an accident or a hazardous event? The question might seem a bit nonsensical but each of these terms has a very specific meaning in the fi eld of health, safety and environment (HSE).

Mastering the specific terminology or jargon is key to HSE, like any area of business. In the case of HSE, however, knowing the exact meaning of terms is particularly critical because confusion over terminology can, and does, lead to dangerous situations and accidents. This is partly because many of the terms have generic wider meanings in addition to their specific HSE meaning, as suggested above, for example ‘incident’, ‘accident’, ‘event’, ‘hazard’ and even ‘bowtie’. These all have very specific meanings and if all parties aren’t using them in the same way then it’s harder to manage or even describe a potentially dangerous situation.

This alphabetical guide describes many key terms in the HSE fi eld clearly and concisely, to make sure there’s no doubt what they mean. It’s written in English that’s easy for everyone to understand because in this area there’s no room for confusion or ambiguity.

STEVENS, Anthony

ISBN 978-1-923214-49-1
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AI and the Future of GRC

 

A Guide for Cybersecurity Risk & Compliance Leaders

IN TODAY’S RAPIDLY EVOLVING BUSINESS LANDSCAPE, USING ARTIFICIAL INTELLIGENCE (AI) IS NO LONGER A LUXURY—IT’S A NECESSITY.

As organizations grapple with the complexities of governance, risk management, and compliance (GRC), AI emerges as a powerful ally, offering unprecedented efficiency, accuracy, and decision-making prowess.

AI and the Future of GRC: A Guide for Risk and Compliance Leaders serves as a comprehensive roadmap for embracing this transformative technology. Author Anthony Stevens, a seasoned expert in AI and GRC, draws upon his extensive experience to guide readers through the intricate web of opportunities and challenges that AI presents.

Whether you’re a seasoned risk and compliance professional or a forward-thinking leader seeking to stay ahead of the curve, AI and the Future of GRC is an indispensable guide. Unlock the power of AI, drive innovation, and fortify your organization’s resilience in an everchanging business environment.

This groundbreaking book is divided into three comprehensive sections:

  1. The AI Revolution in GRC: Explore the paradigm shift AI brings to governance, risk, and compliance processes, unveiling its game changing potential.
  2. Practical Applications of AI in GRC: Delve into real-world case studies and tangible strategies for leveraging AI to enhance decision-making, streamline operations, and mitigate risks.
  3. Accelerating Change and Building Trust: Discover frameworks for fostering organizational buy-in, navigating ethical considerations, and cultivating trust in AI driven GRC initiatives.

About the Author

Anthony Stevens

Anthony Stevens is a visionary leader in the world of AI and enterprise software. As the CEO and co-founder of 6clicks, a groundbreaking AI-powered GRC platform, he has established himself as a pioneer in the industry.

His first book, “Chasing Digital: A Playbook for the New Economy,” reflects his deep understanding of digital transformation and the application of advanced technologies. With a career overseeing over $750 million in IT procurement and numerous shifts in the enterprise software market, Anthony brings a wealth of experience to the table.

Prior to founding 6clicks, Anthony held several high-profile executive roles. Notably, he was a Partner and Chief Digital Officer at KPMG, where he was instrumental in digitally transforming the firm’s business model. He also served as a CIO Adviser for Zoom.

Anthony holds a Bachelor of Commerce, a Bachelor of Information Systems, and a Masters of Commercial Law from the University of Melbourne. He is also a graduate of the Australian Institute of Company Directors and was recognized as the Young Executive of the Year in 2011 by AFR BOSS.

Anthony’s passion for technology and his commitment to leveraging AI for enhancing operational efficiency and effectiveness has made him a respected figure in driving digital transformation. Under his leadership, 6clicks has become a trusted platform for global businesses, revolutionizing their risk and compliance programs with the power of AI.

COLLINS, Damian

ISBN 978-1-923156-82-1
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Property Investing Roadmap

How to build an income from property for life

Residential or commercial? Renovate or redevelop? Australians enjoy a feast of options when it comes to the nation’s favourite investment – property. But while most people only achieve one investment property, you can take your wealth to far greater heights using the right strategies.

In Property Investing Roadmap – How to build an income from property for life, Damian Collins, one of Australia’s most respected property experts, guides you through the spectrum of property-related choices, from how to buy your first rental property through to sophisticated strategies such as leveraging equity, property development, and diversifying a portfolio through commercial property.

Inside you’ll discover:

  • Why you need to invest
  • Signs that a property and location have growth potential
  • Strategies to manage cash flow as a property investor
  • How to build a team of experts to guide you on your property journey
  • Why the time to take action is now
  • How to complete a successful development project
  • Why it makes sense to start with residential and end with commercial property
Damian Collins self-published author

About the Author

A professional property investor for over 30 years, Damian Collins left his career as a Chartered Accountant to build a multi-million dollar personal property portfolio. As founder and Managing Director of residential property investment advisory, Momentum Wealth, and Chairman of property funds management company Westbridge Funds Management, Damian has championed opportunities for all Australians to reap the rewards of property investing. A former President of the Real Estate Institute of WA, Damian is regularly sought-after for commentary in media outlets as diverse as the Australian Financial Review, Australian Property Investor and Money magazine.

ORFORD, David, Peter Rowe & Jim Hennington

ISBN 978-1-923088-73-3
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Retirement Income for Life

Solving the longevity equation

A guide for financial planners

It’s a brand-new world of retirement planning in Australia and this ground-breaking book supports financial planners to empower their clients to manage longevity risk with a lifetime income strategy that seamlessly blends the best of new and traditional retirement products. Written by an elite team of experienced actuaries, superannuation and retirement experts this book introduces a new breed of retirement income streams to help provide Australians with the long-term security they need.

*All the information and calculations are current at the time of writing.

David Orford self-published author

About the Authors

David Orford

David has enjoyed a long career in financial services as an actuary to 4 life insurers, 12 friendly societies and several superannuation funds. He was also the founder of Financial Synergy, which grew to become Australia’s leading provider of superannuation administration software before being acquired by IRESS in 2016. Throughout his career, David has worked towards his personal mission to help Australians lead a comfortable retirement and now devotes his time to researching and creating innovative retirement solutions and directing The Orford Foundation. David has made several submissions focussed on the provision of retirement incomes to financial systems inquiries and strongly believes “The objective for our country should be to provide every citizen in their retirement with an income stream which lasts for the rest of their life.”

Peter Rowe self-published author

Peter Rowe

Peter has spent over 30 years in senior management roles in the superannuation industry, covering a wide range of functions, including administration, finance, investments, members services, IT and Systems. He has had extensive experience with both defined benefit and accumulation plans that included lifetime pensions and account-based pensions as well as a variety of other income products. Peter’s experiences advising retirees, and deep knowledge of the financial services market supports his current passion to increase the use of the new range of lifetime retirement income streams to benefit all Australians.

Jim Hennington self-published author

Jim Hennington

Jim Hennington is an actuary who has spent 30 years working in superannuation, financial planning and retirement software both in the UK and Australia. With over 10 years’ experience as a director of licenced advice firms, Jim has built a strong track record applying actuarial thinking to the personal planning space. A thought leader and financial services innovator, Jim specialises in retirement incomes and advice technology, and was part of the team driving the design and modelling tools to launch Optimum Pensions products to superannuation funds, financial planners and retirees. Jim works tirelessly to educate financial planners and others about longevity risk. He is skilled in unpacking wordy and complex legislation, and he has written landmark papers for Actuaries Institute of Australia, dealing with how to fairly project retirees’ income, expenses etc into the future.

Testimonials

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“Compared to many professions, financial advice as it is becoming, is relatively new. Founded by a combination of broking, accounting, insurance, and legal, combined with a world class superannuation system, the proposition of the adviser continues to evolve, moving from ‘below the line’ (money, products, investments etc) to ‘above the line’ (advice and strategy to help people make smart decisions about money) – or, as I say, from product to people, and from money to meaning.

As our population ages and accrues wealth, conversations shift from accumulation of assets to the focus on retirement planning and the strategic advice provided to prospective retirees. People are living longer, which means that their retirement savings may well need to last longer. Retiring with confidence is important.

As the industry evolves and the profession emerges, visionaries and leaders find solutions out of problems and black spots. Until recently, financial advisers have had to deal with the deck of cards they have. Concerned about fixed term or lifelong annuities, advisers have tended to focus on retirement solutions on account-based pensions (ABPs). The issue with traditional solutions has been loss of capital due to premature death (in the case of annuities), or expiring well after your money does (in the case of an accountbased pension).

Well, retirement planning in Australia has entered a new world with a number of lifetime income options. Efficient and effective investment-linked and Group Self Annuitised (or GSA) lifetime annuities have only become available after legislation has made it possible to invest superannuation money into these products in 2017.

These new products offer “longevity insurance” like guaranteed life annuities, but without locking in low investment returns, and allow the same investment choices as superannuation members have enjoyed through ABPs. By intergenerationally transferring the balances of members who pass away to survivors, they allow the survivors to enjoy a much higher standard of living at a lower risk of running out.

I believe the advice proposition of the future is moving to adviser, coach, educator, mentor, project manager. Combining strategies to increase income, decrease expenses, reduce taxation liabilities, protect assets, ensure security in any catastrophe – in order to achieve all that’s important to them and to live their best possible life… People want to live their best, with confidence. They want to live rich, not to die rich.

I commend the work of David, Peter, Jim and their team in the vision and leadership they have shown to painstakingly drive this necessary and important change into our market, for the betterment of current and future retired Australians.

Important reading for any serious financial advisor in Australia.”

David Haintz
AM Principal
Global Adviser Alpha Pty Ltd

“This book is a must read for planners throughout Australia. David Orford and his team have been trail blazers in the area of lifetime annuities. Their knowledge is extensive.

This is the new emerging market and those who embrace it will be well rewarded as indeed will their clients with peace of mind and a better quality retirement.

I have always been interested in this product solution as I believe that it is in a retiree’s Best Interests to include in their retirement plan, particularly for those poor at budgeting or with relatively low retirement assets and who qualify for the Age Pension.”

Peter Hawks
Annuity Brokers of Australia P/L

“Retirement planning in Australia has entered a new world. The time is therefore ripe for this book, which explains the new opportunities for planners and their clients.
New SIS regulations introduced in 2017 makes it possible to invest superannuation money into a wider range of new product categories. Favourable changes to the Age Pension Assets and Income tests were later introduced to encourage the use of certain product types. Although new products have taken time to make it onto the market, they are now appearing in approved product lists.

By using the new range of products, often in conjunction with existing products, your clients can spread some or all of their financial capital over their own indeterminate lifespan. They provide an income that can meet their spending plan. For your clients, it can be the financial magic pudding – although it will not outlive them.

It may be difficult to believe that regulatory changes can offer new opportunities – but in this case they do. I can recommend the book to everyone who wants to take advantage of the new possibilities for the benefit of their clients. Welcome to a whole New World.”

Dr Anthony Asher
Associate Professor, School of Risk and Actuarial Studies,
University of New South Wales (UNSW)
Convenor of the Actuaries Institute Retirement Income Working Group

The views expressed above are personal and do not necessarily reflect those of UNSW nor of the Actuaries Institute.

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PEARCE, John

ISBN 978-1-922722-46-1
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The Wheels of Financial Blessing

Many Christians struggle with questions like “Does it please God for us to be poor?” “Should a Christian be rich?” “Why am I struggling financially even though I tithe or give?” “Why am I always stressed about money?”

This Biblically balanced book will help you to live a life that honours God and to experience His blessing in your finances. John here uses a powerful metaphor: If your financial world was a car, your forward progress is limited to the condition of its four wheels. Each wheel is equally important and represents a vital component in your approach to money.

The Wheels of Financial Blessing is easy to read and full of personal stories, and you’ll find it immediately applicable to your life.

Hill of Grace quality Christian content
graeme andermahr breaking free from sexual barriers

About the Author

John Pearce is a pastor, businessman, and kingdom leader. Alongside his wife Danielle, for more than twenty years he has led C3 Powerhouse—a dynamic, multi-site church in Australia. He serves as the Executive Director of C3 Church Global, a movement of over 500 churches led by Phil Pringle. He has a bachelor’s degree in business, majoring in accounting and marketing, and he has run a successful manufacturing business on the Sunshine Coast in Australia for more than thirty years.

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Pastor and Teacher John Pearce Christian City Church