These additional insurances, (like Income Protection), can often only be claimed through one policy.

What does this mean?

It means that you are paying premiums for insurance that will never pay out.
That’s what we call Zombie Insurance.

The Productivity Commission reported that $2 billion is being spent annually on duplicate Life Insurance policies. Yes! You read that right. $2 billion! The same amount that Chadstone Shopping Centre announced in annual sales. It’s a haunting amount which is impacting people without them even realising.
“While many members are getting aff

ordable life insurance through their super, some end up with cover that is manifestly unsuitable, including ‘zombie’ insurance policies they can’t even claim on. And many unknowingly have duplicate insurance policies, which can erode their super balances at retirement by over $50,000,” commissioner Angela MacRae said.

From 2016-2017 alone, $1.9 billion in excess insurance premiums were shelled out, making multiple insurance premiums paid due to unintended multiple superannuation accounts the leading contributor of balance erosion.

The Commission’s Report flags income protection as a distinct and problematic area.
This is because Members who are not working cannot claim, as they do not have an income to offset. This is information that is not clearly disclosed, and many Members are being left in the dark as a consequence.

What’s more is that having multiple income protection covers restricts the ability to claim because payments from one policy reduce eligibility to claim against another, and total payments cannot exceed a set proportion of pre-existing income.
It’s important to understand that what you have included and what you need included in your Superannuation Policy may be two completely different things.
Be aware.
Be prepared.
Be proactive, and talk to the experts.
It’s time to stop spending money on unnecessary Zombie Insurance, and have the team at Partners In Planning review your situation obligation free.
The offer is valid for all chocolate moneyour clients. Zombies not included.

From Setup to Sales: Maximizing Your Potential with Vendor Central Amazon UAE

In the rapidly evolving landscape of e-commerce, establishing a robust online presence is crucial for businesses seeking growth and success. For entrepreneurs in the United Arab Emirates (UAE), Vendor Central Amazon emerges as a powerful tool for navigating the complexities of the digital marketplace. In this comprehensive guide, we will explore the journey from setting up your Vendor Central account to maximizing sales potential in the UAE, unraveling the steps and strategies to help businesses thrive on this dynamic platform.

Setting the Stage: Vendor Central Setup
The journey begins with the setup of your Vendor Central account on Amazon. This process involves a series of steps aimed at onboarding your business onto the platform seamlessly. From providing necessary business details to adhering to Amazon’s guidelines, a meticulous setup lays the foundation for a successful venture on Vendor Central in the UAE.

Step 1: Account Registration
Initiate the process by visiting the Vendor Central registration page on Amazon. Provide accurate and comprehensive information about your business, ensuring alignment with Amazon’s requirements. A verified and approved account is the key to accessing the suite of tools and features offered by Vendor Central.

Step 2: Product Onboarding
Once your account is established, the next crucial step is to onboard your products onto Vendor Central. This involves creating detailed product listings, including accurate descriptions, high-quality images, and essential product information. Ensuring completeness and accuracy at this stage sets the tone for a positive customer experience.

Navigating Vendor Central Features
Vendor Central comes equipped with a range of features designed to empower businesses in managing their operations efficiently. Understanding and leveraging these features is instrumental in maximizing your potential on the platform.

1. Inventory Management
Vendor Central provides a centralized hub for managing your inventory. Utilize tools to monitor stock levels, set up automated reorder alerts, and optimize your supply chain. Maintaining a healthy stock ensures consistent availability of products to meet customer demand.

2. Pricing and Negotiation
Vendor Central allows businesses to engage in pricing negotiations with Amazon. Carefully strategize your pricing to remain competitive in the UAE market. Negotiating favorable terms can contribute to maximizing profits while offering customers competitive pricing.

3. Marketing and Promotions
Explore the marketing and promotional tools available on Vendor Central to enhance your product visibility. From running special promotions to leveraging Amazon’s marketing features, strategic use of these tools can significantly impact sales and brand awareness.

Building Brand Presence
Establishing a compelling brand presence is essential for success on Vendor Central. The platform offers opportunities for businesses to showcase their brand through customization and branding features.

1. Brand Customization
Optimize your Vendor Central storefront with brand customization. Incorporate a professional logo, create a captivating brand story, and showcase your product offerings in a visually appealing manner. A well-curated storefront enhances brand credibility and attracts potential customers.

2. Enhanced Content
Leverage Enhanced Brand Content (EBC) features to enrich your product listings. Use multimedia elements such as images and videos to provide a more immersive and informative shopping experience. Enhanced content not only differentiates your products but also engages customers on a deeper level.

Sales Optimization Strategies
To maximize your sales potential on Vendor Central in the UAE, businesses need to implement strategic approaches that align with the dynamics of the e-commerce landscape.

1. Data-Driven Decision Making
Regularly analyze the performance metrics provided by Vendor Central. Monitor sales, customer feedback, and product performance data. Utilize these insights to identify trends, adjust your strategies, and make informed decisions to stay ahead of the competition.

2. Customer Relationship Management
Prioritize customer satisfaction to build a positive reputation on Vendor Central. Respond promptly to customer inquiries, address concerns professionally, and strive for positive reviews. Positive customer interactions contribute not only to sales but also to long-term brand loyalty.

Overcoming Challenges
While Vendor Central offers immense opportunities, businesses may encounter challenges along the way. Understanding these challenges and implementing strategies to overcome them is crucial for sustained success.

1. Inventory Management Challenges
The dynamic nature of e-commerce can lead to inventory management challenges such as stockouts or overstocking. Utilize Vendor Central’s tools for real-time monitoring and set up automated alerts to optimize your inventory management and meet customer demand effectively.

2. Competitive Pricing Pressures
The competitive landscape on Vendor Central can exert pressure on pricing strategies. Regularly assess competitor prices, understand customer expectations, and adjust your pricing strategies strategically to remain competitive without compromising profitability.

Looking Ahead: Future Growth and Adaptability
The journey on Vendor Central is not static; it requires businesses to stay ahead of market trends, technological advancements, and evolving consumer preferences.

1. Embracing Technological Innovations
Stay informed about technological advancements in e-commerce and on the Vendor Central platform. Adopting new features, automation tools, and emerging technologies can provide a competitive edge and enhance your operational efficiency.

2. Adapting to Market Shifts
The e-commerce landscape is dynamic, and market shifts are inevitable. Monitor industry trends, consumer behavior, and changes in the competitive landscape. Businesses that can adapt swiftly to market shifts are better positioned for sustained success on Vendor Central.

Conclusion: Thriving on Vendor Central Amazon UAE

Vendor Central Amazon in the UAE presents a wealth of opportunities for businesses looking to expand their reach, increase sales, and establish a strong foothold in the e-commerce landscape. From the initial setup to navigating the diverse features, building brand presence, and implementing sales optimization strategies, the journey on Vendor Central is multifaceted.

Success on Vendor Central hinges on a strategic approach that includes meticulous setup, leveraging features effectively, building a compelling brand presence, and implementing data-driven strategies for ongoing success. Overcoming challenges, such as inventory management and pricing pressures, requires a proactive and adaptive mindset.

As businesses in the UAE embark on their journey with Vendor Central, it is crucial to not only optimize current operations but also look ahead to future growth. Embracing technological innovations, staying informed about industry trends, and adapting to market shifts are essential elements for continued success.

In the dynamic world of e-commerce, Vendor Central Amazon in the UAE offers a dynamic platform for businesses to thrive. By maximizing your potential with Vendor Central, you can position your business for sustained success, catering to the diverse needs of customers in the UAE and beyond. The journey from setup to sales is an ongoing process that requires dedication, adaptability, and a commitment to providing exceptional customer experiences. As you navigate Vendor Central Amazon in the UAE, remember that each step is an opportunity to optimize your operations, enhance your brand presence, and maximize your potential for success in the digital marketplace.

Tips for Successful Mobile App Development

In today’s tech-driven world, mobile applications play a crucial role in shaping our daily lives. With millions of apps available across various platforms, the competition in the mobile app development industry is fierce. Success in this landscape requires more than just a great idea – it demands careful planning, strategic execution, and continuous improvement. In this blog, we will explore essential tips for achieving success in mobile app development.

Clear Understanding of the Target Audience:
Before diving into the development process, it’s crucial to have a comprehensive understanding of your target audience. Knowing their preferences, behaviors, and pain points will help you design an app that resonates with them. Conduct market research, analyze competitor apps, and gather user feedback to refine your app concept.

Focus on User Experience (UX) Design:
A seamless and intuitive user experience is paramount for the success of any mobile app. Invest time and resources in creating a user-friendly interface, ensuring that navigation is smooth and features are easily accessible. Pay attention to the visual design, keeping it clean, consistent, and aligned with your brand identity.

Cross-Platform Compatibility:
To maximize your app’s reach, consider developing it for multiple platforms, such as iOS and Android. While native development offers optimal performance, cross-platform frameworks like React Native or Flutter allow you to write code once and deploy it on different platforms. This approach can save time and resources while ensuring a consistent user experience.

Performance Optimization:
Mobile users have little patience for slow or buggy apps. Optimize your app’s performance by minimizing load times, optimizing images, and refining code for efficiency. Regularly test your app on various devices to identify and address potential performance issues.

Security Measures:
User data protection is a top priority. Implement robust security measures to safeguard sensitive information. Use encryption protocols, secure authentication methods, and regularly update your app to patch any vulnerabilities. Building trust with users by ensuring the security of their data is crucial for long-term success.

Scalability and Flexibility:
Anticipate the future growth of your app by designing it with scalability in mind. Ensure that the architecture can handle increased user loads and feature expansions. Flexibility is also key – allow room for updates and improvements without causing disruptions to the existing user base.

Regular Testing:
Thorough testing is a non-negotiable step in app development. Conduct rigorous testing at various stages of development, including unit testing, integration testing, and user acceptance testing. Identify and address any bugs or glitches promptly to deliver a polished and reliable app.

Feedback Integration:
Encourage user feedback and reviews to understand how your app is performing in the real world. Positive feedback can validate your efforts, while constructive criticism provides valuable insights for future enhancements. Establish channels for users to report issues and make sure to address them promptly.

Effective Marketing Strategy:
Even the most well-designed app needs a strong marketing strategy to gain traction. Develop a pre-launch and post-launch marketing plan that includes social media, app store optimization, and other promotional activities. Building a buzz around your app before and after its release can significantly impact its success.

Analytics for Continuous Improvement:
Integrate analytics tools into your app to gather data on user behavior, preferences, and performance metrics. Analyzing this data provides valuable insights for making informed decisions on updates, new features, and overall improvements. Continuous monitoring and improvement are essential for staying competitive in the dynamic app market.


Successful mobile app development requires a holistic approach, combining technical expertise with a deep understanding of user needs. By prioritizing user experience, security, scalability, and effective marketing, developers can increase the chances of creating an app that not only meets expectations but also stands out in a crowded marketplace. Keep these tips in mind throughout the development process, and remember that continuous improvement is the key to long-term success in the ever-evolving world of mobile applications.

The success of mobile app development lies in a strategic blend of technical excellence and user-centric design. Whether you are crafting a gaming app, a utility app for law enforcement, a communication-centric chat app, or any other category, the fundamental principles remain the same. By prioritizing user experience, ensuring security, scalability, and implementing effective marketing strategies, developers can increase the likelihood of creating standout applications in their respective domains.

For gaming apps, the emphasis should be on creating an immersive and entertaining user experience, leveraging cutting-edge graphics and responsive controls. For police or law enforcement apps, the focus should extend to robust security measures, efficient data handling, and real-time communication capabilities to aid in emergency response.

Chat apps, on the other hand, demand a keen eye on user interface design, real-time messaging capabilities, and data privacy. Ensuring smooth communication flows, integrating multimedia features, and implementing end-to-end encryption are pivotal for the success of such applications.

In essence, the type of app you are developing will dictate specific considerations, but the overarching principles of delivering a seamless user experience, ensuring security, scalability, and effective marketing strategies are universally applicable. Whether your goal is to entertain, inform, or assist, these tips serve as a guiding framework for achieving success in the diverse landscape of mobile app development. Keep adapting, iterating, and embracing new technologies to stay at the forefront of the dynamic and ever-evolving app market.

Digital Marketing Agency Toronto For Businesses: Clickworthy

Unlock success for our businessess with your expert digital marketing agency Toronto, delivering top-notch website solutions for significant results. Contact Us!

In the fast-paced world of digital marketing, small businesses face the challenge of standing out and reaching a wider audience. At Clickworthy, we understand the unique needs of small enterprises striving to scale up and connect with more customers. Our comprehensive suite of services is designed to empower small businesses on their journey to success.

Small Business Marketing that Packs a Punch:
At Clickworthy, we specialize in crafting marketing strategies that resonate with your target audience. Our team is dedicated to helping small businesses thrive by developing innovative and effective marketing campaigns tailored to your unique brand. From identifying your target demographic to creating compelling messaging, we ensure that every aspect of your marketing strategy is finely tuned for success.

Websites That Convert, Without Breaking the Bank:
In today’s digital age, a powerful online presence is non-negotiable. Our web design experts at Clickworthy create conversion-optimized web pages that not only captivate visitors but also drive results. Affordable pricing doesn’t mean compromising on quality — our websites are not just visually appealing but also strategically designed to turn clicks into customers. Elevate your online presence and leave a lasting impression with Clickworthy.

Digital Marketing Magic:
Our expertise goes beyond static web pages; we excel in dynamic digital marketing campaigns that deliver measurable results. Clickworthy’s team employs cutting-edge strategies to enhance your online visibility, drive traffic, and boost conversions. Whether it’s through social media, search engine optimization (SEO), or targeted advertising, we have the tools to propel your small business into the digital spotlight.

Crafting Your Unique Brand Identity:
Your brand is more than just a logo — it’s a story waiting to be told. Clickworthy’s brand design services help small businesses narrate their unique stories through distinctive logos, labels, and packaging. We understand the importance of creating a memorable and authentic brand presence that resonates with your audience, setting you apart in a crowded market.

In conclusion, Clickworthy is not just a service provider; we are your partner in growth. With our commitment to affordability, creativity, and results, we’re here to help small businesses make a big impact. Let Clickworthy be the catalyst for your business’s journey to success — because every click should lead to a customer, and every customer is a step towards scaling up.

Top 5 Luxury Brands To Consider When Buying Your Next Watch

Watch industry is very large, it involves huge money and not every watch produced is equal. Every brand has its own impressive craftsmanship and elegant looks. Mechanical watches have many complexities like perpetual calendar, moon phase, chronograph, day and date. Luxury mechanical watches are not just simple accessories these are creative arts resulted from strong imagination. Many brands like Patek Philippe or Rolex agitate feelings in just about every one not just in watch enthusiasts and collectors. The value of these time pieces does not decrease with time, they become collector items and can attract a surprising price on resale. Here are the best 5 luxury brands you should consider buying this year.

Audemars Piguet
The company was founded in 1875 by Jules Louis Audemars and Edward Auguste Piguet, hence the name Audemars Piguet. It is a Swiss luxury mechanical watch manufacturer having head office in Le Brassus, Switzerland. The company makes about 36000 watches every year. You will find their movement in fashion brand watches. Tiffany & Co and Bulgari use Audemars Piguet movement in their watches. They produced first sports watch in steel that was then renamed to Royal Oak in 1972. This brand also created first oversized watch Royal Oak Offshore in 1993.

It is a name that is not much heard of but it is formidable opponent in watchmaking world. It is a subsidiary of Swatch Group that was founded in 1735. Blancpain is the one brand that went through major developments. The company saw its rapid growth during 19th century. Blancpain has many ranges of distinct watches available including minimalistic and chunky big styled time pieces.

Chopard is known not only for their unique swiss made timepieces but for their beautiful luxury jewelrey as well. Company was founded in 1860 by a watch maker, Louis Chopard. This brand is distinguishable for their great detailing and traditional designs. It has grown into a famous luxury watch brand due to its sleek designs and innovative development.

Patek Philippe
It is also a swiss brand that was founded in 1839. Watches produced by the company have complicated mechanics and classis designs. Patek Philippe has been worn by many royalties and celebrities throughout its history. The brand has kept its classic designs consistent. Innovation is key element for their success, they have over 80 patents including 20 with huge importance in watchmaking history.

Ulysse Nardin
Ulysse nardin is a company that has never went out of production since its creation in 1864. They specialize in wristwatches, writing tools and accessories. They use materials that are visually distinctive from other brands. Their craftmanship is known worldwide and they work with many modern materials.

Watches have long been used for practical function, fashion, making serious statement and for heirloom. Where it is just a device for telling time for one person, for another it is a sign of status and success. Since the watchmaking started, the craftsmanship has become an art. Above five brands are known in watchmaking world for their sleek, minimalistic or chunky designs and many complexities. These are few of the world’s top watchmakers. If you are also into smart watches then you should consider them as well. Smart watches offer many features over traditional basic watch functionality like time keeping.

Pharmacy Services for Travel Health and Vaccinations in Lamandau

In Lamandau, accessing proper health services, especially for travelers, is crucial. Pharmacies in the region play a pivotal role in providing essential services related to travel health and vaccinations. Whether you’re a tourist visiting the pristine rainforests or a local planning an international trip, understanding what pharmacy services are available can ensure a safe and enjoyable journey.

1. Importance of Travel Health

Before embarking on any journey, it’s vital to prioritize health preparedness. Travelers should be aware of potential health risks specific to Lamandau, such as mosquito-borne diseases or tropical illnesses, depending on the season and their destination.

2. Pharmacy Services Available

Pharmacies in Lamandau offer a range of services tailored to travelers’ needs:

Travel Consultations: Experienced pharmacists provide personalized advice on health risks and necessary vaccinations based on the traveler’s itinerary.

Vaccinations: Essential vaccines like hepatitis A and B, typhoid, and yellow fever are readily available. Pharmacies ensure vaccines are administered correctly and provide documentation required for international travel.

Medication: Pharmacies stock medications for common travel ailments such as diarrhea, malaria prophylaxis, and altitude sickness.

3. Preparation Tips for Travelers

Research and Plan Ahead: Visit pharmacies well in advance to discuss vaccination schedules and health precautions.

Documentation: Ensure all necessary health documents, including vaccination certificates, are prepared as per international travel requirements.

4. Accessibility and Convenience

Pharmacies in Lamandau are strategically located in urban centers and tourist areas, ensuring accessibility for both locals and visitors. Many pharmacies offer extended hours during peak travel seasons to accommodate diverse schedules.

5. Community Health Initiatives

Beyond individual services, pharmacies in Lamandau actively participate in community health initiatives. They collaborate with local health authorities to promote public health awareness and disease prevention strategies.


Pafikablamandau are integral to ensuring the health and safety of travelers through comprehensive services ranging from vaccinations to health consultations. By availing these services, travelers can mitigate health risks and focus on enjoying their journey with peace of mind. Whether you’re planning an adventure into the rainforest or a cultural exploration, prioritizing travel health at a local pharmacy is a proactive step towards a memorable and safe experience in Lamandau.