First published in 2014 by John Wiley & Sons Australia, Ltd
42 McDougall St, Milton Qld 4064

Office also in Melbourne

Typeset in 11/13.5 pt ITC Giovanni Std Book

© Dare 2 Be Central Pty Ltd

The moral rights of the author have been asserted

National Library of Australia Cataloguing-in-Publication data:

All rights reserved. Except as permitted under the Australian Copyright Act 1968 (for example, a fair dealing for the purposes of study, research, criticism or review), no part of this book may be reproduced, stored in a retrieval system, communicated or transmitted in any form or by any means without prior written permission. All inquiries should be made to the publisher at the address above.

Cover design by Xou Creative, www.xou.com.au

Cover image: iStockphoto.com/Photomorphic

Author photo taken by Kon Iatrou of Ikon Images, www.ikonimages.com.au

Disclaimer

The material in this publication is of the nature of general comment only, and does not represent professional financial advice. It is not intended to provide specific guidance for particular circumstances and it should not be relied on as the basis for any decision to take action or not take action on any matter which it covers. Facts and figures are accurate as at the time of writing and should be checked by the reader. Dollar amounts stated in this book are examples only and should not be relied upon. Readers should obtain professional advice where appropriate, before making any such decision. To the maximum extent permitted by law, the author and publisher disclaim all responsibility and liability to any person, arising directly or indirectly from any person taking or not taking action based on the information in this publication.