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Get Motivated – Think Positively

1024 777 Sara Taylor, Personal Trainer & Nutritionist


Now is the time for you to start thinking about how you are going to shed those unwanted pounds,  but the big question is –  how will you get motivated to get fit and healthy and how will you think positively?Well it is out with the old year and in with new.  Happy New Year!

Most of us firstly need to adopt  positive lifestyle changes. We need to start the New Year with trying to change just one thing each week, the chocolate, cheese, wine.  Maybe some of you need to add something each day  – “Breakfast” , the most important meal of the day which kickstarts  your metabolism and keeps blood sugar levels from dipping. Whatever you do take it slowly and do not rush your new regime.  Make your new lifestyle changes a habit and here are some tips of how you can motivate yourself to do so:


All of our feelings, beliefs and knowledge are based on our internal thoughts, both conscious and subconscious. We are in control, whether we know it or not. We can be positive or negative, enthusiastic or dull, active or passive.

The biggest difference between people is their attitudes towards fitness and health. For some, learning to change ones lifestyle can be enjoyable and exciting, others may find it challenging and difficult.

“Most folks are about as happy as they make up their minds to be.” – Abraham Lincoln

Our present attitudes are habits, built from the feedback of parents, friends and society, that form our self-image and our world-image.


These attitudes are maintained by the inner conversations we constantly have with ourselves, both consciously and subconsciously.  So the first step we need to do is change our attitude and get motivated and think positively.

One approach is called the three C’s: Commitment, Control and Challenge.



Make a positive commitment to yourself, to eat more healthily, eat breakfast, get more fit and active, get more sleep, be organized with your shopping list, drink less alcohol. Praise yourself if you achieve any of these by having a small treat, or treating yourself to something. Book an appointment with yourself to fit in exercise or get the help of a Personal Trainer who will make the appointment for you. Dream of success and be enthusiastic!



Keep your mind focused on the importance of keeping fit and eating well for health benefits.  You do not want to develop heart conditions or diabetes as a result of being overweight or unfit.  Keep control of your food portions.  Try to set goals and priorities for what you think and do. Visualize and practice your actions. Develop a strategy for dealing with problems. Learn to relax. Enjoy successes. Be honest with yourself.



Be courageous. Change and improve each day. Do your best and don’t look back. You will see that making positive lifestyle changes gives you more opportunities. Try new things. Consider several options. Join slimming groups to meet new people, or book to see a local Nutritionist for advice on you eating plan and ask lots of questions. Keep a food diary and keep track of your mental and physical health. Be most of all be optimistic.

Studies show that people with these characteristics are winners in good times and survivors in hard times.

Research shows that,

“… people who begin consciously to modify their inner conversations and assumptions report an almost immediate improvement in their performance. Their energy increases and things seem to go better …”

Commitment, control and challenge help build self-esteem and promote positive thinking. Here are some other suggestions.


7 Suggestions for Building Positive Attitudes

•            In every class, look for positive people to associate with.

•            In every lecture, look for one more interesting idea.

•            In every chapter, find one more concept important to you.

•            With every friend, explain a new idea you’ve just learned.

•            With every teacher, ask a question.

•            With yourself, keep a list of your goals, positive thoughts and actions.

•            Remember, you are what you think, you feel what you want.

If you need any help with your 2014 goals and any nutritional or fitness advice,  then please contact Sara at SK-Life Fitness and I will be happy to help you.  I have a private studio for your comfort and to help build your self-esteem.



Reiki and Anger….

1024 576 Dawn Waterhouse


“Do not anger…..” – Why would there be spiritual wisdom in telling us not to get angry? It is difficult holding anger in, and if you have tried it, you will know that it can negatively affect your whole day. You taint everything with the moment that rubbed you up the wrong way, but why?

Our emotions are very powerful; they are a combination of chemical messengers, emotions and cellular memories. Have you ever stopped and questioned why you react the way that you do when you get angry? Part of it is learnt, either ancestrally or through your own experiential journey.

Anger is an out of control emotion; it is the signal that something is wrong and is upsetting your perception of being harmonious. In some it can stir violent reactions and behaviours, others may experience physical health symptoms such as headaches or internal pains, whilst yet others may seem unaffected.

If you find yourself in the first two categories, take note carefully: it is not bad to feel angry! Nor is it bad to react to a situation that has made you angry. But (and you knew there would be one), it is how you react that has an outcome on the centre of your wellbeing.

I am going to take you through a simple exercise to help you start creating more positive outcomes from your anger:

1. When you feel angry, slowly and deeply breathe in… and out several times to give you time to regain your control and also to help oxygenate your brain to help you stay focused on the moment in hand.

2. Pause for a moment – what is your desired outcome? Do you want to continue in a place of angst and animosity? Then go ahead and verbalise as grumpily as you like. You know how the story goes – you spend the whole day being grumpy or having everyone treading around on egg shells – not one for optimum office efficiency – or one for a happy home and relationships. There is another option. Breathe slowly and deeply again. How do you want to feel? Think of something calming, re-educate your body’s cellular memories, take back your control. You should now be feeling calm enough to make rational decisions.


3. Listen to your inner feeling that something is not right; pull that towards the sense of how you want the outcome to be. What can you do to make it right? Remember to keep breathing slowly and deeply so that you can stay positively focused and in control.

4. Feel better? Are you ready to act yet? Wait until you are ready – do not rush yourself. Be the person you want to be. Anger is just a message to let you know something needs to change – and it starts with you. You are the catalyst to make the positive changes you need in your life. Practise them: life is just continued practise of different challenges.

I know some things are not quick to resolve – they can seem to take an age to bring right – but choosing to hold on to your anger and forgetting to focus on your positive potential outcome is detrimental to your health and to those around you and will stop you from reaching your goal.

So perhaps instead of ‘do not anger’ we should strive to be its opposite – balanced, calm, harmonised. What would you call it?

Of course, that is not the only secret to Reiki and seeking our inner health and power. The next is ‘do not worry’. That is a story for next time.



office site

Establishing Insurance Companies in Malta

1023 683 Jatco Insurance


Since Malta joined the European Union (EU) in May 2004, it has become an attractive domicile for establishing an insurance company or an affiliated insurance company.

A Maltese insurance undertaking is defined as a company authorised in terms of the Insurance Business Act, whose head office is in Malta, and is entitled to carry on business of insurance in a member/EEA state in exercise of a European Right.

Malta has an established regulatory framework that operates to EU standards and which accommodates insurance companies. Thus, Malta is worth considering as the location for a captive where the ability to issue policies directly into the EU/EEA may provide significant savings on fronting and collateral costs. This offers cost saving advantages to:

Multinationals with operations in EU locations;
UK corporations paying significant Employers’ Liability and Motor Third Party premiums;
Companies using captives to provide insurance to their customer base, e.g. travel, warranty, credit protection, room cancellation insurance.

The benefits of setting up an insurance company in Malta

1. Ability to write policies directly into the EU and European Economic Area – Full EU membership enables Maltese captives to dispense with the need for fronting companies into the EU/European Economic Area (EEA).
2. Effective and responsive regulation – Regulation is to EU standards while being flexible and responsive for which the most successful established captive domiciles are favoured.
3. Established financial centre – Insurance, legal and accounting expertise is all available within Malta’s highly trained professional workforce.
4. Tax efficiency – The standard rate of corporate tax in Malta is 35%, but an insurance company insuring risks outside Malta could benefit from the Malta tax refund system.
5. In addition, Malta has double taxation treaties with 60 countries.
6. Protected cell companies – PCC legislation enables a PCC to be formed in Malta whereby each cell’s assets and liabilities are legally separated.
7. Migration from other jurisdictions – The Continuation of Insurance Companies Regulations 2003 enables captives to be easily relocated from other jurisdictions which have similar legislation.

The benefits of using an Affiliated Insurance Company in Malta

1. Solution to market limitations: Captives can provide cover for risks that is not available or affordable in the traditional insurance market.
2. Improved and flexible risk management: Policies are custom-designed and specially tailored to the needs of the insured.
3. Reduced risk financing expenses: Lower transaction costs and administration expenses compared to traditional insurance programmes. Companies can also retain underwriting profit and investment income earned on loss reserves.
4. Better cash flow management: Companies have control over the payment or premiums and the timing and the payment of claims. They can direct the flow of funds to and from the captive according to their own investment strategy. This leads to a more efficient use of capital.
5. Direct access to reinsurers: Companies can buy excess loss protection on a wholesale basis rather than on a retail basis (traditional insurance policy). They benefit from better conditions and the opportunity of negotiating price and contract terms directly.
6. Coordinated risk management: Multinational companies can use a captive to manage risks at group level and centralize their insurance programmes. This translates into improved risk awareness and cost-transparency.
7. Protection from price fluctuations: Pricing swings occur periodically in the traditional marketplace. Companies using a captive can negotiate a premium established on the basis of their own loss experience. Other market factors and loss experiences of other insured parties have no effect.
8. Potential tax advantages for Captives: Malta tax refund system that could be beneficial to foreign investors.

Furthermore, the growth of the insurance sector, has attracted a significant increase in the number of insurance managers in Malta. Most insurance managers offer a full range of products and services which encompass every aspect of alternative risk management, from initial consulting, to program structuring and formation, to ongoing administration and regulatory compliance for insurance companies.


Isle of Man: Why Are Family Office Services Becoming So Popular?

1024 913 Crowe Clark Whitehill


Family Offices are private wealth management advisory services offered to ultra-high net worth investors to centralise focus and control over family finances, legal, tax and administration issues. It is an outsourced solution to manage the financial and investment affairs of wealthy individuals or families. It works to provide the best solution for building, preserving and transferring family wealth onto future generations.

The first known family office was setup for the Rockefeller family of New York in the 19th Century. The family, faced with increased wealth management concerns, began hiring trusted advisors with certain expertise to assist with the management and protection of their family’s interests. Thus the concept of family office was born.

Family Offices are most commonly utilised because assets have grown in size and complexity, demanding full-time professional management. The world’s most wealthy families establish Family Offices to ensure their wealth is suitably preserved for future generations.

One of the main attractions of the use of a family office for wealthy families is having one central source for information and advice on the family’s financial matters. Having a dedicated team of professionals who are completely focused on the client’s goals and financial aspirations in a completely confidential manner who can ensure wealth management and future proofing of complex structures to ensure the wealth is managed effectively for future generations.

One of the most important parts of any family office is to consolidate all relevant financial information into one report and coordinate with various financial institutions to establish an overall investment strategy. This saves valuable time and resources for family members and can focus the mind on the main goals for the family’s wealth and is a pragmatic way to manage overall investment risk.

A family office may also act as a connection between family members and as a trusted advisor for younger generations. Research has shown that many wealthy families are not able to preserve their wealth for longer than three generations. This is often caused by a lack of strategy within the family or a lack of communication between the family members. A family office can build long-term relationships with all family members and involve and educate the younger generation on wealth management matters. As the family office is a third party, it is often easier for family members to discuss financial matters with the family office instead of dealing directly with each other.

It has been said that the most important considerations of any family office are a professional comprehensive service, discretion and extensive wealth management experience and at CCW we can offer all three.

If you are considering a family office for your family or are a trusted advisor who is looking to move a family office which is currently in existence we would be happy to discuss your needs. Crowe Clark Whitehill have looked after families and their needs for over 30 years, our people are highly skilled and qualified client professionals. We have extensive experience in the management of international structures and through our network we have links to professional advisors in almost every jurisdiction around the globe.

Crowe Clark Whitehill’s services are uniquely crafted to give each family exactly what they need. We will take the time to get to know you, your aspirations and concerns. We understand that there is nothing more important than family and that you will be in trusting personal matters to us, we will work with you to gain understanding and build long term relationships.