{"id":105813,"date":"2022-12-15T19:04:18","date_gmt":"2022-12-15T19:04:18","guid":{"rendered":"https:\/\/websitedesigns.com.au\/elankanew\/?p=105813"},"modified":"2022-12-15T19:06:53","modified_gmt":"2022-12-15T19:06:53","slug":"noel-news-merry-christmas","status":"publish","type":"post","link":"https:\/\/websitedesigns.com.au\/elankanew\/noel-news-merry-christmas\/","title":{"rendered":"Noel News Merry Christmas!"},"content":{"rendered":"

Noel News<\/span>\u00a0\"🎄\"\u00a0Merry Christmas!<\/span><\/h2>\n

\"Noel<\/p>\n

Most investors have great intentions. So why is it so many fail? Simple. They lack the long-term perspective needed to help get them through short-term chaos.<\/em><\/span>
\nKEITH FITZGERALD<\/span><\/p>\n

Welcome to our last\u00a0newsletter of the year!<\/strong><\/u><\/u><\/span><\/p>\n

And what a year it\u2019s been. Volatile share markets, property markets in a downturn, inflation roaring, a war in Ukraine, interest rates going sky-high and a change of government. That\u2019s just a bit of it.<\/span><\/p>\n

\"Noel<\/span><\/p>\n

There is so much to talk about, which I will do in various newsletters as 2023 goes by. But today, because this is our last newsletter for the year and it\u2019s a bit late to be putting new strategies in place, I will focus on two topics \u2013 both of which could have a huge effect on your finances:<\/span><\/p>\n

The first is the psychology of investment, and the second is the huge increase in scams which are getting more plausible by the day.<\/span><\/p>\n

Understand the markets<\/strong><\/u><\/u><\/span><\/p>\n

For years I\u2019ve been putting out the message that growth investments are a long-term strategy and that the share market, while giving the best returns available, is volatile. This means that in some years the returns will be negative. The historical average is six good years and four bad years every decade.<\/span>
\n\u00a0<\/span>
\nI have followed this strategy with my own investments, which are 85% in shares even at my age. Yet, every time the market falls, I get bombarded with emails asking me whether they should cash out. Even worse, some tell they have cashed out and are waiting for the market to turn. It\u2019s not that simple.<\/span>
\n\u00a0<\/span>
\nThe chart below shows superannuation returns to the end of November. For a Balanced Fund in accumulation the return was 2.6% for the month \u2013 for Pension Funds, 3% for the month. That takes the return for the year to -1.3% and -1.8% respectively which is not too bad for the turbulent year we have been through. The difference in returns is that accumulation funds pay 15% tax on their income, whereas pension funds pay zero tax.<\/span><\/p>\n

<\/span><\/p>\n

Stay the course<\/strong><\/u><\/u><\/span><\/h1>\n

I started this newsletter with a quote from American money man Keith Fitzgerald. The information that follows is a direct quote from his recent newsletter. I\u2019m a subscriber, and I love his material.<\/span>
\n\u00a0<\/em>
\n\u201cWe\u2019ve talked about the importance of having long-term perspective before, but recent trading conditions make it abundantly clear that we need to revisit the subject. There\u2019s just too much opportunity out there not to! I know that\u2019s hard to imagine with the markets down again this morning. That\u2019s\u00a0exactly\u00a0why you should! The smartest money in the world plays the \u201clong game,\u201d not the short-term fear that\u2019s roiling headlines. In fact, I\u2019ll bet you dimes to dollars they\u2019re snapping up shares right now rather than running in the other direction. Billionaire Warren Buffett has made no bones about\u00a0\u201cbeing greedy when others are fearful.\u201d\u00a0<\/em><\/i><\/span><\/p>\n

The late Sir John Templeton, who is widely regarded as one of the most successful stock pickers ever to play the game, said simply\u00a0\u201cto buy when others are despondently selling.\u201d Lord Nathan Rothschild, an 18th-century nobleman and scion of the House of Rothschild who made a fortune buying during the panic of the Battle of Waterloo, reportedly said,\u00a0\u201cBuy when there\u2019s blood in the streets,\u201d\u00a0to which I\u2019ve added,\u00a0\u201ceven if it\u2019s your own.\u201d<\/em><\/span><\/p>\n

Buy low, sell high is how you play the game. Admittedly, it\u2019s not easy. The headlines are filled with reasons to give up. Inflation rages, the threat of a recession is very real, Russia refuses to back down in Ukraine, China\u2019s got it out for Taiwan, politics\u2026 you name it.\u00a0 Many people are tempted to bury their head in the sand with a sign on their rear end saying,\u00a0Kick me when it\u2019s over. Yet, that\u2019d potentially be one of the most expensive mistakes any investor can make.<\/em><\/span><\/p>\n

Again, I know this is hard to imagine. Emotions are running high. Fear is creeping in around the edges. That\u2019s a problem because emotions lead to suboptimal decisions. Usually, the unprofitable kind. Here are two simple ways to play the long game\u2026 and why you\u2019ll want to.<\/em><\/span><\/p>\n

\"Noel<\/span><\/p>\n\n\n\n
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\n

#1) Get your emotions out of the picture.<\/em><\/strong><\/span><\/p>\n

Read, learn, turn off the damn TV, and shut down your cell phone. Headlines are designed to provoke an emotional response, so remove that input.<\/span><\/p>\n

#2) Play the long game.<\/strong><\/span><\/p>\n

I mean it\u2014consciously make the decision that the short-term ___ (a word I won\u2019t use this morning) isn\u2019t going to bother you. You\u2019ll be amazed at how liberating that can be when you do!\u00a0 People tell me frequently, \u201cBut there could be more selling. They\u2019re right. That\u2019s definitely possible as the Fed\u2019s follies continue and our government lacks anything remotely resembling financial literacy.\u201c<\/span>
\n\u00a0<\/span>
\n\u00a0<\/span>
\nBut this does raise a question. For example, my own self-managed fund consists of really good assets such as index funds and companies like BHP which I have no intention of selling. Plus I have a few crap shares with possible potential but which have fallen so much that any money I could get by selling them would be minimal in the scheme of things.<\/span>
\n\u00a0<\/span>
\nSo I just hold. Think of it this way \u2013 if you have $100,000 worth of shares in an index fund, you have choices. You can cash them in and have over $100,000 in the bank in a couple of days, or you could hold them. But in this case a decision to hold is almost the same as a decision to buy because I could convert that asset to $100,000 at short notice. I reckon holding the good stuff if you don\u2019t have the spare cash to buy in the downturns is the same as buying in the downturns anyway. Also, I reinvest dividends wherever a dividend reinvestment scheme is available, so I automatically get my quality shares at a good price whenever dividend time comes along.<\/span>
\n\u00a0<\/span>
\nOne of the smartest guys in the investment area is Professor Paul Marsh of the London School of Business and I\u2019m proud to call him a friend. This is his advice, \u201cInvestment is a marathon, not a sprint. The long-run attractiveness of equities, in my view, is undiminished. You should take a long-term view, and the long run is at least 20 years. You should focus on time in the market, not on timing the market.\u201d<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

More thoughts on living with a disability<\/strong><\/u><\/u><\/span><\/p>\n

<\/span><\/p>\n

Thank you all so much for the emails of support you have sent me since my last newsletter. I have always regarded my subscribers as family, and it\u2019s great to know there is so much family support out there. It\u2019s now three weeks since the accident and progress has been slow but steady. The plaster has been replaced by a moon boot, and I\u2019m getting more mobility each day. It\u2019s also continued to teach me more about the problems faced by people with a disability.<\/span><\/p>\n

Last week we had an appointment with the ankle doctor at 9:30 AM, and because I was unsure of my ability to get into a car, I booked a maxi taxi with wheelchair access. I booked it for 8:45 AM to give us plenty of time. When the time came there was no maxi taxi. I rang the taxi company who told me there were \u2018none available\u2019.<\/span><\/p>\n

This threw us into a tailspin, but the ever-resourceful Geraldine decided we would just have to go in her car. We quickly worked out how to fold up the wheelchair, used the walking frame to get me into her car, and set off for the hospital. So far so good. When we got to the hospital at 9:15 AM we discovered there were just three lifts, and two were out of order. Imagine all the people waiting outside. To make it worse, when the lift did arrive it was already full of people on walking frames and wheelchairs.<\/span><\/p>\n

Of course, this begs the question as to what would a person have done if they had a critical appointment and had no facilities to get there because there were no taxis available. As we all know, specialist appointments can be hard to get, and you often wait a long time when you do get to their surgery. The final challenge was the \u2018ambulant toilet\u2019 on the same floor as the doctor\u2019s surgery. This was a joke \u2013 it was just a normal male toilet with three urinals plus one toilet bowl in a small room with rails at the site. The wheelchair wouldn\u2019t even go in!<\/span><\/p>\n

As I said in my last newsletter, I am now learning first-hand the challenges for anybody who has any sort of disability. I had no idea how difficult and frustrating their life must be at times.<\/span><\/p>\n

From a reader \u2013 accidents do happen quickly<\/strong><\/u><\/u><\/span><\/h1>\n

\u2018We had planned to go out. \u00a0My wife was already in the car and as I went to get in, I noticed bird droppings on the car\u2019s roof \u2013 I grabbed a hose and cleaned up the mess. As I turned to go to the car, I tripped over the hose and landed very heavily on the lawn. I hollered to my wife for help but there was no answer.<\/em>
\n\u00a0<\/em>
\nI gradually got to my feet checking for any injuries. As I walked to the car, I discovered to my horror that she was lying on the cement. Apparently when I called out, she tried to get out of the car quickly, got tangled up with the seat belt and her handbag and landed headfirst on the cement path. Luckily, apart from shock, there were no serious injuries, except for two black eyes. Just shows how quickly accidents can happen.\u2019<\/em><\/i><\/span><\/p>\n

<\/span><\/p>\n

I think one of the lessons here is the danger of quick movement as you get older. I fractured my ankle because I was walking very quickly in the garage \u2013 a friend of ours broke her hip when she ran to answer a telephone. Better to go slowly and safely.<\/span><\/p>\n

Keep your guard up \u2013 Scammers abound<\/strong><\/u><\/u><\/span><\/p>\n

The scammers are getting smarter and smarter, and seldom a day passes without another sad story being revealed in the newspapers. The latest one involves people receiving a phone call claiming to be from Suncorp, and which comes from a number which is the same as Suncorp\u2019s main number. The victim is told that their account has been compromised and they need to transfer their funds to a new account that Suncorp has just happened to set up for them. Naturally, they need access to the victim\u2019s computer to do this. Quickly, the payee limits are increased, and the accounts sucked dry.<\/span>
\n\u00a0<\/span>
\nIn the several cases reported recently, the funds were transferred to a Commonwealth Bank of Australia account, but neither Suncorp nor CBA were interested in rectifying the matter.<\/span>
\n\u00a0<\/span>
\nI think that\u2019s pathetic. Australian banks operate under a know-your-client rule which is the reason for the hundred-point ID to open a bank account. Obviously, the scammers must\u2019ve had a CBA bank account as the funds were transferred to it \u2013 why can\u2019t the Fraud Squad or the Federal Police and the Commonwealth Bank get together to find out the identity of the scammers?<\/span><\/p>\n

<\/span><\/p>\n

Just recently one of my golfing mates ordered a new Mercedes. For some reason it was all done by email, and you can guess what happened. He transferred $85,000 by bank transfer as requested and it went straight to the scammers bank account. Once again, the banks declined to be involved.<\/span>
\n\u00a0<\/span>
\nSo the first rule is never to get involved in a conversation with any cold caller no matter where they say they are from. If they claim to be from your bank, don\u2019t accept the number you are being called from, use the official bank number from your own contact list or from their website.<\/span>
\n\u00a0<\/span>
\n\u00a0<\/span>
\nLast week we were having trouble with our home internet with Aussie Broadband, which has an unbelievably good service level. It turned out that my own internal hardware was causing the problem and my friendly IT man came out and replaced a dud part \u2013 problem solved. During that time, I got a ring from a woman who claimed she was from Telstra. She told me there had been internet troubles in our street, and she needed to check my computer to solve them. I couldn\u2019t hang up quickly enough.<\/span>
\n\u00a0<\/span>
\nAnd I\u2019m sure like us, you\u2019re getting heaps of text messages along the lines of \u201cit\u2019s your daughter here I\u2019ve broken my phone and I need you to help me.\u201d That\u2019s an obvious one, but apparently quite a few people have been conned.<\/span><\/p>\n

<\/span><\/p>\n

Recording assets for capital gains tax purposes<\/strong><\/u><\/u><\/span><\/p>\n

This is from Julia Hartman of Bantacs. She writes following on from last newsletter\u2019s estate planning section, \u2018Have you got your capital gains tax records in order?\u2019\u00a0Only your own home and your pre-1985 assets can be sold by your beneficiaries or executor free of capital gains tax or continue to be owned by them with an opening cost base of their market value at the date of your death.\u00a0All your other assets will be subject to capital gains tax when they are sold by either your executor or beneficiary.<\/span><\/p>\n

Capital gains tax is also triggered if you or your beneficiary gift assets.\u00a0In order to calculate the capital gains tax liability, your beneficiary or executor will need to know your cost base.\u00a0That is how much you originally paid for the asset plus ongoing expenditure such as holding costs, improvements and dividend reinvesting.\u00a0In the event of your death, is this information available?<\/span>
\n\u00a0<\/span>
\nIf you think this is a big job, think about how impossible the task will be for your executor or how much they will spend in legal and accounting fees.\u00a0Your heirs could end up paying tax on the full sale proceeds because they have no record of your original and ongoing costs.\u00a0Don\u2019t make the ATO a major beneficiary of your estate.\u00a0Every detail you can leave behind will help.<\/span>
\n\u00a0<\/span>
\nIf you don\u2019t know where to start, Julia has created a great tool. You can check it out at\u00a0https:\/\/www.bantacs.com.au\/shop-2\/getting-your-affairs-in-order-made-simple\/\u00a0<\/a><\/span>
\n\u00a0<\/span>
\nFull details are in that link.<\/span><\/p>\n

<\/span><\/p>\n

Noel Whittaker Ebook Store News<\/strong><\/span><\/p>\n

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I\u2019d like to thank the many hundreds of readers who took up my free offer to upgrade their older eBook versions of Superannuation Made Simple to the 4th edition with updated tax and pension information for the 2022-2023 financial year, I hope this updated edition brings you greater insight and guidance to ensure you have your superannuation strategy and settings right for the future.<\/span>
\n\u00a0<\/span>
\nIf you have purchased an earlier edition of the Superannuation Made Simple eBook (not the printed book)\u00a0you can still click here to claim your free upgrade<\/a>.<\/span>
\n\u00a0<\/span>
\nPlease note, you must have purchased an earlier version of the Superannuation Made Simple eBook from\u00a0noelwhittakerebooks.com.au<\/a>\u00a0and use the same contact details as your original purchase to qualify for the free upgrade. Offer Ends 24th Dec 2022.<\/span>
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Christmas Offer:<\/strong>
\n$5 off Retirement Made Simple 2nd Edition Ebook<\/strong><\/span><\/h3>\n

Retirement can be a jungle of decision-making and I wrote Retirement Made Simple to help you navigate your way to a prosperous and comfortable retired life. I\u2019ve updated the tax and pension information in the Retirement Made Simple Ebook for the 2022-2023 financial year as well, so am offering $5 off this updated edition to all my readers for Christmas.<\/span><\/p>\n

Click here to claim the latest Retirement Made Simple Ebook for $14.95 down from $19.95<\/a><\/span><\/p>\n

<\/span><\/p>\n\n\n\n
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Retirement Made Simple<\/strong>
\nAudiobook now available<\/strong><\/span><\/h3>\n

Retirement Made Simple\u00a0is now available as an audiobook from Audible<\/a>. If you want to plan for your retirement while gardening, on a long drive over the holidays, or simply swinging in a hammock, then this audiobook, with excellent narration from Daniel Moore is an easy way to while away the hours and gain the knowledge and strategies to retire comfortably.<\/span>
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\nClick here to view, listen and buy the Retirement Made Simple Audiobook on Audible.<\/a><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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10 Steps to Financial Freedom<\/strong><\/u><\/u><\/span><\/p>\n

Know someone just getting started on their financial journey? Our young people are constantly hearing in the media how they may never own their own home, or get ahead financially, but that is only true if they do what most people do (or do not).<\/span><\/p>\n

The good news is that I want to share the timeless principles of building wealth while starting young – and give your children and grandchildren the information and inspiration they need to get their financial journey off to the best start.<\/span><\/p>\n

This book is also a handy guide for the seasoned investor on the basic principles that underpin all wealth building.<\/span><\/p>\n

Click here to purchase your eBook copy of 10 Steps to Financial Freedom.<\/span><\/p>\n

And Finally\u00a0<\/strong><\/u><\/u><\/span><\/h1>\n

<\/span><\/p>\n

Honouring Charles Darwin, the father of evolution, the Darwin Awards commemorate those who improve our gene pool \u2013 by removing themselves from it in the most spectacular way possible. The awards are given out every year; these are the latest:<\/span><\/p>\n

Nominee No. 1: [San Jose Mercury News]:<\/span>
\nAn unidentified man, using a shotgun like a club to break a former girlfriend\u2019s windshield, accidentally shot himself to death when the gun discharged, blowing a hole in his gut.<\/span><\/p>\n

Nominee No. 2: [Kalamazoo Gazette]:<\/span>
\nJames Burns, 34, (a mechanic) of Alamo, MI, was killed in March as he was trying to repair what police describe as a “farm-type truck.” Burns got a friend to drive the truck on a highway while Burns hung underneath so that he could ascertain the source of a troubling noise. Burns\u2019s clothes caught on something, however, and the other man found Burns “wrapped in the drive shaft.”<\/span><\/p>\n

Nominee No. 3: [Hickory Daily Record]:<\/span>
\nKen Charles Barger, 47, accidentally shot himself to death in December in Newton, NC. Awakening to the sound of a ringing telephone beside his bed, he reached for the phone but grabbed instead a Smith & Wesson 38 Special, which discharged when he drew it to his ear.<\/span><\/p>\n

Nominee No. 4: [UPI, Toronto]:<\/span>
\nPolice said a lawyer demonstrating the safety of windows in a downtown Toronto skyscraper crashed through a pane with his shoulder and plunged 24 floors to his death. A police spokesman said Garry Hoy, 39, fell into the courtyard of the Toronto Dominion Bank Tower early Friday evening as he was explaining the strength of the building\u2019s windows to visiting law students. Hoy previously had conducted demonstrations of window strength according to police reports. Peter Lawson, managing partner of the firm Holden Day Wilson, told the Toronto Sun newspaper that Hoy was “one of the best and brightest” members of the 200-man association. A person has to wonder what the dimmer members of this law firm are like.<\/span><\/p>\n

Nominee No. 5: [The News of the Weird]:<\/span>
\nMichael Anderson Godwin had spent several years awaiting South Carolina’s electric chair on a murder conviction before having his sentence reduced to life in prison. While sitting on a metal toilet in his cell attempting to fix his small TV set, he bit into a wire and was electrocuted.<\/span><\/p>\n

Nominee No. 6: [The Indianapolis Star]:<\/span>
\nA Dunkirk, IN man, using a cigarette lighter to check the barrel of a muzzleloader, was killed Monday night when the weapon discharged in his face, sheriff’s investigators said. Gregory David Pryor, 19, died in his parents’ rural Dunkirk home at about 11:30 PM. Investigators said Pryor was cleaning a .54 caliber muzzle-loader that had not been firing properly. He was using the lighter to look into the barrel when the gunpowder ignited.<\/span><\/p>\n

Nominee No. 7: [Reuters, Mississauga, Ontario]:<\/span>
\nA man cleaning a bird feeder on the balcony of his condominium apartment in this Toronto suburb slipped and fell 23 stories to his death. “Stefan Macko, 55, was standing on a wheelchair when the accident occurred,” said Inspector Darcy Honer of the Peel Regional Police. “It appears that the chair moved, and he went over the balcony,” Honer said.<\/span><\/p>\n

Nominee No. 8: [Arkansas Democrat Gazette]:<\/span>
\nTwo local men were injured when their pickup truck left the road and struck a tree near Cotton Patch on State Highway 38 early Monday. Woodruff County deputy Dovey Snyder reported the accident shortly after midnight Monday.<\/span><\/p>\n

Thurston Poole, 33, of Des Arc, and Billy Ray Wallis, 38, of Little Rock, were returning to Des Arc after a frog-catching trip. On an overcast Sunday night, Poole’s pickup truck headlights malfunctioned. The two men concluded that the headlight fuse on the older model truck had burned out. As a replacement fuse was not available, Wallis noticed that the .22 caliber bullets from his pistol fit perfectly into the fuse box next to the steering wheel column. Upon inserting the bullet the headlights again began to operate properly, and the two men proceeded on eastbound toward the White River Bridge.<\/span><\/p>\n

After traveling approximately 20 miles, and just before crossing the river, the bullet apparently overheated, discharged and struck Poole in the testicles. The vehicle swerved sharply right, exited the pavement, and struck a tree. Poole suffered only minor cuts and abrasions from the accident but will require extensive surgery to repair the damage to his testicles, which will never operate as intended. Wallis sustained a broken clavicle and was treated and released. “Thank God we weren’t on that bridge when Thurston shot his balls off, or we might be dead,” stated Wallis.<\/span><\/p>\n

“I’ve been a trooper for 10 years in this part of the world, but this is a first for me. I can’t believe that those two would admit how this accident happened,” said Snyder.<\/span><\/p>\n

Upon being notified of the wreck, Lavinia Poole (Poole’s wife) asked how many frogs the boys had caught and did anyone get them from the truck?<\/span><\/p>\n

<\/span>
\nLet me conclude by wishing you all a very Merry Christmas and a healthy and prosperous New Year. Like all previous years it will be a challenging one but we will get through it together.<\/span><\/p>\n

Thanks for all your kind comments. Please continue to send feedback through; it’s always appreciated and helps us to improve the newsletter.<\/span><\/p>\n

And don’t forget you’ll get much more regular communications from me if you follow me on twitter – @NoelWhittaker.<\/span><\/p>\n

Noel Whittaker<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Noel News\u00a0\u00a0Merry Christmas! Most investors have great intentions. So why is it so many fail? Simple. They lack the long-term perspective needed to help get them through short-term chaos. KEITH FITZGERALD Welcome to our last\u00a0newsletter of the year! And what a year it\u2019s been. Volatile share markets, property markets in a downturn, inflation roaring, a […]<\/p>\n","protected":false},"author":3,"featured_media":105814,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"aside","meta":{"footnotes":""},"categories":[20],"tags":[29468,18893],"class_list":{"0":"post-105813","1":"post","2":"type-post","3":"status-publish","4":"format-aside","5":"has-post-thumbnail","7":"category-articles","8":"tag-noel-news","9":"tag-noel-whittaker","10":"post_format-post-format-aside"},"yoast_head":"\nNoel News Merry Christmas!<\/title>\n<meta name=\"description\" content=\"And what a year it\u2019s been. 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