21 BOOK GIVEAWAY AFTER YOUR LIGHTS GO OUT by Kevin Freeman Act Now To Ease Stress On Your Loved Ones After You Have Gone This book explains: • What to consider when planning for your future years. • Learn about sensitive issues that are not in your Will. • Minimise unexpected disputes over personal possessions. • Discover the benefits of clear personal and financial records. • Use this book as a ‘second opinion’ to compare with your current book-keeping methods. • Your loved ones, and your Executor, will appreciate your efforts. • Enjoy peace of mind knowing that your Estate will be finalised as you wish. Bonus: • Suggestions for writing a eulogy; plus • Tips for writing your own life story. • Retail $22-00 The Author’s 37 years banking experience is reflected throughout this book. Visit amazon.com.au Books to purchase a copy “After Your Lights Go Out” by Kevin Freeman ABOUT THE AUTHOR - Kevin Freeman joined the Bank of New South Wales (now Westpac) in 1957. Over the next thirtyseven years he served in branches in Sydney; Regional NSW; interstate and overseas. He gained extensive administrative experience in Head Office, Personnel, as well as Credit and Lending Regions of the bank. He was appointed Regional Credit Manager for the integration of the Chase AMP Bank and Westpac banks. He represented those combined Banks in dispute resolutions before the Australian Banking Ombudsman. He retired as Senior Manager, Special Projects, Retail Banking Group in 1992. This booklet previews the wider practical issues that are not covered in Wills. Throughout his career Kevin saw, first hand, where customers and their families often encountered totally unexpected conflicts and confusion following the death of a loved one. Partucularly if the death was sudden and thus unexpected wherein the loved ones were totally unaware of what they should do next. Some seemingly trifling concerns can prove contentious, leading to arguments within families and even litigation which can cause havoc – and tear families apart. The author has assembled a few basic sign posts to help clarify your wishes while maintaining clear personal and financial record knowing that your actions now will ease stress on your loved ones after you have gone. The booklet also has guidelines for writing a eulogy, and tips to assist in writing your life story. Since 2006 Kevin and his wife Beverley have resided on the Gold Coast, Queensland, Australia. WIN A COPY! TO WIN A COPY...EMAIL: info@localnewsletters.com with LIGHTS GO OUT in the SUBJECT LINE. Please include your name, address and phone number in the email Winner’s Book will be courieried • Entries close 30.11.2025 NO NEED TO REPLACE YOUR KITCHEN Kitchen Rescue ENJOY THE LOOK & FEEL OF MARBLE prestigebenchtopcoatings.com.au 0422 757 163 ABN 453 739 803 48 FREE QUOTE MarbleCoteTM Benchtop Restoration: Repairs & Resurfacing Stain, Heat & Scratch Resistant 1/5 of the replacement cost Splashbacks: MarbleCote TM to match benchtops Cabinet doors & panels: Repairs & Satin or gloss finish The first question people ask when enquiring about the MarblecoteTM benchtop restoration system is “how does it compare to a brand new factory produced laminate or socalled ‘stone’ benchtop?” The MarblecoteTM system first developed here on the Gold Coast over 10 year ago, has been refined and improved to where we are today. MarblecoteTM is completely seamless (there are no joints). A brand new factory made ‘stone’ or laminated benchtop will have joins sometimes only one or two, often three or four. Does this difference really matter? Well, yes, it does, especially if you want your benchtop to be hygienically superior. A quick question... how many bacteria can fit on a pinhead? Answer... (fun fact) six million. Bacteria includes e-coli, salmonella, Covid and many more. The second most popular place for bacteria to dwell and thrive in the home - after doorknobs - is the kitchen benchtop. And no matter how tight those joins appear to be, to bacteria they are like the Grand Canyon... party central! MarblecoteTM is stain, heat and scratch resistant. Whilst very resilient (finished with ceramic coating), it is not bulletproof. So if someone drops a brick on it (yes, we’ve had that happen!) damage will occur. Unlike other benchtops, damage like that can be repaired in around one hour and the repair won’t be visible. MarblecoteTM is handcrafted so that each benchtop is unique and there’s a three year warranty. Cost comparison - the MarblecoteTM System if one quarter to one fifth the cost of a new replacement bench. For contact details and website, please refer to the advertisement below. KITCHEN MAKEOVER MAGIC Introducing MarblecoteTM – Your Durable, Handcrafted Benchtop Solution BEFORE AFTER
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