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This month’s Client in Focus is Shaun Clayton, owner of new Central Coast business, Mini Excavator Sales.

We speak with Shaun on the recent startup of his excavator sales business and discuss the challenges he has encountered.

Don’t let the Christmas holidays undo your great work throughout the year. Be aware of spending patterns to turn silly season into savings season.

Given the choice between a job candidate with a perfect resume and one who has fought through difficulty, human resources executive Regina Hartley says to always give the “Scrapper” a chance.

As someone who grew up with adversity, Hartley knows that those who flourish in the darkest of spaces are empowered with the grit to persist in an ever-changing workplace.

“Choose the underestimated contender, whose secret weapons are passion and purpose,” she says. “Hire the Scrapper.”

Robson Partners recently raised a significant sum of money and chose to donate this money to Coast Shelter, a local organisation helping those in need here on the Central Coast. We speak with Executive Officer, Laurie Maher, to discuss the support they provide to disadvantaged people and how they have grown to become a well known “safe place” on the Coast.

A lifetime of sensible investment experience could mean you have the opportunity to change a younger person’s life for the better.

At the recent Xero Road Show, the Australian Product Manager, Laura Cardinal provided a sneak preview of the significant features that will be released into the product within the next 90 days. Most importantly and after years of the refrain ‘coming soon’ will be the long awaited inventory module which CEO Rod Drury has previously described as ‘the end of the beginning’ as it would complete the accounting engine of the software.

The NSW Parliament has passed the Retail Trading Amendment Bill 2015 (NSW) which will allow all shops across NSW to open their doors on Boxing Day. It is important to note that employees must freely elect to work and there are significant penalties for employers who roster workers without their consent.

As Benjamin Franklin most famously said, “If you fail to plan, you are planning to fail”.

A financial plan is a powerful thing, but it’s most potent when supported by a solid insurance strategy. What are the specific purposes of the main types of personal insurance?