This article by Vicki Ammundsden from her Blog Matters of Trust is interesting.

"Trustees act personally.  Where a trustee enters into a transaction the trustee is personally liable unless that liability can be limited.  Sometimes this is possible by way of a contract term, in some instances standard from agreements can include a limitation of liability.

However, in other instances, for example where liability is imposed by statute for policy reasons, it may not be possible to contract out of, or limit liability.  Cox v Green Gecko Limited  provides a sobering example.

In this case, Mr Cox, a solicitor, acted personally as a trustee for a trust settled by a client.  The trust owned shares that were issued in circumstances where  a prospectus should have been  registered and provided.  As a consequence of this failure, the subscriber was entitled under the [then] Securities Act 1978 to seek a refund of the subscription price of $700,000 from the offeror."... see the full article here.

This is an article written about a presentation made to a Rural Women NZ group in Golden Bay last month. Thanks to Jo Richards and GB Weekly for the article.  

We've all heard about the of being 'on the waiting list' before getting medical treatment. What a lot of people don't realise is that you have to get on the waiting list first - which can mean an even longer wait. This article talks about this. That's why we recommend health insurance to our clients (and paying for your adult children's health insurance as well!). Insure only for hospital/surgical treatment and use a high excess to keep the premium down. For a family of four you're talking in the order of $100 a month (depending on the parents age). 

This is a great book