{"id":133949,"date":"2024-04-20T06:10:05","date_gmt":"2024-04-20T06:10:05","guid":{"rendered":"https:\/\/websitedesigns.com.au\/elankanew\/?p=133949"},"modified":"2024-04-20T06:12:35","modified_gmt":"2024-04-20T06:12:35","slug":"noel-news-58","status":"publish","type":"post","link":"https:\/\/websitedesigns.com.au\/elankanew\/noel-news-58\/","title":{"rendered":"NOEL NEWS"},"content":{"rendered":"

NOEL NEWS<\/span><\/h2>\n

\"NOEL<\/p>\n

He is terribly afraid of dying because he hasn\u2019t yet lived.\u00a0<\/i><\/strong><\/u><\/u><\/span><\/p>\n

FRANZ KAFKA<\/span><\/p>\n

Welcome to our April newsletter.<\/strong><\/span>
\nFirst of all, let me thank you for your overwhelming support of my new book. Orders have been coming in non-stop, and I\u2019m humbled by your confidence in me by buying a product yet unseen. It\u2019s a fairly big book \u2013 350 pages \u2013 with a wealth of information. Friends who have read the proofs have all been very impressed and particularly like the simple language and how well the book is set out.<\/span><\/p>\n

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

Buy Now<\/a><\/span><\/p>\n

The printing process has been much quicker than we thought and the books have now arrived at our distribution centre in Brisbane for posting.This means you should have your orders within 14 days, but let\u2019s plan on 30 April to allow for delays in the post. If you haven\u2019t received it by that date, just email me on noel@noelwhittaker.com.au and I\u2019ll look up the tracking.<\/span><\/p>\n

E-books<\/strong><\/span><\/p>\n

I\u2019ve had many queries asking if there\u2019ll be an e-book for Wills death and taxes.The answer is yes but it may be a couple of weeks. I\u2019ll let you know in our next newsletter.<\/span><\/p>\n

Estate Planning<\/strong><\/span>
\nI\u2019m going to focus on estate planning for the next few newsletters and as part of this, I\u2019ll further explain the questions I asked in the special bulletin. Here are the first four questions and their answers.<\/span><\/p>\n

\"NOEL<\/span>
\nImage by Johnny Cohen on Unsplash<\/span><\/p>\n

1. What 80% of people fail to do after they\u2019ve made their will. The consequences may be horrendous<\/u><\/span><\/h4>\n

Less than 50% of Australians have a will, and research shows that most people leave it to their late 40s before getting around to making a will. What they fail to understand is that life is a dynamic journey and circumstances change. As a result, they never review and update their will, which may be inappropriate if major events have happened since it was made. These major events could include death, relationship breakdowns, children, changing jobs and moving house. In the book, we stress the importance of regularly reviewing the will. Think about a couple in their mid-40s with teenage children and parents in their 70s. Their family dynamics will be different in just 10 years. The children may be in relationships and have children of their own, and the parents may be contemplating a move to age care.<\/u><\/u><\/span><\/p>\n

2. \u00a0The difference between a superannuation member benefit and a superannuation death benefit. Not understanding this could cost hundreds of thousands of dollars in unnecessary tax.<\/u><\/u><\/span><\/h4>\n

A superannuation member benefit is paid to somebody who is alive and it\u2019s usually tax-free. A death benefit means what it says: it\u2019s paid on death.\u00a0 What you need to be aware of is that the taxable component of a death benefit paid to a non-dependent attracts a tax of between 15% and 17% depending on whether it goes directly to the person or via the estate. A recontribution strategy can reduce the taxable component, but the simplest way is to withdraw the whole balance before the member dies and place the money in the member\u2019s bank account.<\/u><\/u><\/span><\/p>\n

Just don\u2019t get caught \u2013 there is an increasing number of cases being written about members who are very close to death and have instructed their people to lodge a withdrawal notice with the fund. Then they die after signing the documentation but before it\u2019s received by the fund. That becomes a challenging situation, especially because the tax office is now taking a harder line and is less likely to treat the payment as a member benefit.<\/span><\/p>\n

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

Image by Nicolas Gonzalez on Unsplash<\/u><\/u><\/span><\/p>\n

3. \u00a0A common misunderstanding about enduring powers of attorney.<\/u><\/u><\/span><\/h4>\n

A power of attorney document allows another person to act on your behalf \u2013 this is particularly important as people age and they may lose capacity. Once, a power of attorney lapsed if the donor (the person who gives the power) became incapacitated. The enduring power of attorney came into being to stop this happening, because so often the power of attorney is most needed when the donor is incapacitated. This is why it is called an\u00a0enduring<\/i>\u00a0power of attorney. Unfortunately, many people wrongly believe it endures after the donor dies.<\/u><\/u><\/span><\/p>\n

During our research for the book, we came across many cases of widows going to their bank to use the power of attorney because they thought it would last after their husbands died.<\/u><\/u><\/span><\/p>\n

4. \u00a0Which assets fall outside the will, and cannot be bequeathed in terms of the will.<\/u><\/u><\/span><\/h4>\n

The most common example is properties held as joint tenants whereby the property passes to the survivor, irrespective of the terms of the will. This can cause problems for age pensioners who hold shares and managed funds in joint names. We recommend they write their will to divide the assets so that the survivor can still keep the age pension when the partner dies. However, jointly-owned assets don\u2019t have this flexibility. Other assets are insurance bonds which sit outside the terms of the will, superannuation where it\u2019s the trustee who has the final say and any assets owned by a family trust or a family company.<\/span><\/p>\n\n\n\n
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Help Wanted<\/u><\/u><\/span><\/h2>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n

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When I asked my accountant what are the main issues that caused hold-ups in finalising estates, she told me they were lack of record keeping and family squabbles. That\u2019s why there is a big section on record keeping in\u00a0Wills, death and taxes<\/i>. I even added an appendix that explains a simple record keeping system. In those nine pages, I offer tips such as keeping separate folders for your home, investment properties and insurance. If you need a more comprehensive approach, there\u2019s also a link to Julia Hartman\u2019s Excel spreadsheet collection \u2013 and you get a discount if you buy it through that link.<\/u><\/u><\/span><\/p>\n

 <\/p>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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

Image by Sweet Life on Unsplash<\/u><\/u><\/span><\/p>\n

But there\u2019s more \u2013 we\u2019re inventing an executors\u2019 and attorneys\u2019\u00a0 cheat sheet to make available on my website. You\u2019ll be able to download a fillable PDF form in which we\u2019ve tried to include the things that apply to most people, and to prompt for the other many things that may be relevant to your situation. So it includes items such as the location of your will, contact details of your executors and relatives, and the whereabouts of the trust deed, if you have a self-managed\u00a0 superannuation fund.<\/u><\/u><\/span><\/p>\n

It\u2019s currently 41 pages long, but there\u2019s no requirement to fill in anything at all \u2013 you can enter information as it comes to hand, or simply use it to check your existing records don\u2019t have any major gaps. And there are handy \u2018skip to\u2019 links that help you jump past sections that are not relevant to you.<\/u><\/u><\/span><\/p>\n

This unique document will be something you can save to your computer, retrieve and amend when you wish, and also print a copy to leave with your other estate planning documents.<\/u><\/u><\/span><\/p>\n

We\u2019d hoped to have the cheat sheet working at the time the book was launched, but it\u2019s been a far bigger task than we imagined. So right now we have a PDF that you can look at on the computer, and download and print out, but at this early stage you cannot make any entries to it on the computer. It is not interactive. That\u2019s our next goal.<\/span><\/p>\n

Download the PDF <\/a><\/span><\/p>\n\n\n\n
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Help Wanted<\/span><\/h2>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n

When I asked my accountant what are the main issues that caused hold-ups in finalising estates, she told me they were lack of record keeping and family squabbles. That\u2019s why there is a big section on record keeping in\u00a0Wills, death and taxes<\/em>. I even added an appendix that explains a simple record keeping system. In those nine pages, I offer tips such as keeping separate folders for your home, investment properties and insurance. If you need a more comprehensive approach, there\u2019s also a link to Julia Hartman\u2019s Excel spreadsheet collection \u2013 and you get a discount if you buy it through that link.<\/span><\/p>\n

 <\/td>\n<\/tr>\n

<\/td>\n<\/tr>\n
Image by Sweet Life on Unsplash<\/span><\/p>\n

 <\/p>\n

But there\u2019s more \u2013 we\u2019re inventing an executors\u2019 and attorneys\u2019\u00a0 cheat sheet to make available on my website. You\u2019ll be able to download a fillable PDF form in which we\u2019ve tried to include the things that apply to most people, and to prompt for the other many things that may be relevant to your situation. So it includes items such as the location of your will, contact details of your executors and relatives, and the whereabouts of the trust deed, if you have a self-managed\u00a0 superannuation fund.<\/span><\/p>\n

 <\/p>\n

It\u2019s currently 41 pages long, but there\u2019s no requirement to fill in anything at all \u2013 you can enter information as it comes to hand, or simply use it to check your existing records don\u2019t have any major gaps. And there are handy \u2018skip to\u2019 links that help you jump past sections that are not relevant to you.<\/span><\/p>\n

 <\/p>\n

This unique document will be something you can save to your computer, retrieve and amend when you wish, and also print a copy to leave with your other estate planning documents.<\/span><\/p>\n

 <\/p>\n

We\u2019d hoped to have the cheat sheet working at the time the book was launched, but it\u2019s been a far bigger task than we imagined. So right now we have a PDF that you can look at on the computer, and download and print out, but at this early stage you cannot make any entries to it on the computer. It is not interactive. That\u2019s our next goal.<\/span><\/td>\n<\/tr>\n

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Download the PDF\u00a0<\/strong><\/a><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
\n

We would love some of you to download this cheat sheet, print a copy and jot some notes on it \u2014 this will help you see what information you may need to track down. Then let me know if there\u2019s anything about the form you think should be improved before we launch the interactive version. Maybe some parts are confusing, or redundant, or an important area has been missed… As always, it\u2019s you \u2014 my readers \u2014 who make my work its best.<\/span><\/p>\n

\n

The beauty of this web-based resource is that we can update it as needed. And this is why I\u2019m asking for your help: we need people to try this out and send us feedback.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n
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The Value of Franking<\/u><\/u><\/span><\/h2>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n

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Whenever I give a presentation about investing, I ask the audience how much they know about franked dividends. It doesn\u2019t matter whether they\u2019re working or retired, the response is always the same: they know nothing.<\/span><\/p>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\"NOEL<\/span><\/p>\n\n\n\n
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Image by shurkin_son on Freepik<\/span><\/p>\n

 <\/p>\n

So I give them a quick summary of the franking system, explaining how companies that have paid Australian company tax have franking credits available, which they then pass on to their shareholders. This lack of knowledge is a sad state of affairs given that from 1 July 2024 the franked dividend system will allow almost everybody earning under $135,000 a year to receive tax-free dividend income.<\/span><\/p>\n

 <\/p>\n

Let\u2019s assume a person is earning $130,000 a year and has a $100,000 portfolio of Australian shares paying fully franked dividends. In the year ending 30 June 2025 the dividend was $4000 and the growth was $5000. That\u2019s a total return of $9000. There is no capital gains tax to pay, because CGT is not payable until the investment is cashed in, while the 30% tax on the dividend is cancelled by the 30% franking credit.<\/span><\/p>\n

 <\/p>\n

These thoughts came to mind as I was chatting to a cousin who has been widowed for six years, and who is now 76. She had a long and happy marriage, and her thrifty husband left her some good investments, including a bundle of Commonwealth Bank shares. When I remarked to her how much she must enjoy the franked dividends, her response came out of left field: \u2018They are great; I use them to buy more CBA shares.\u2019<\/span><\/p>\n

 <\/p>\n

I responded that dividend reinvestment is a great strategy, but she can still have the money back in cash. She said, \u2018I don\u2019t think you understand \u2013 I don\u2019t take the dividends, they\u2019re automatically reinvested, so I get more shares to make compounding work for me.\u2019<\/span><\/p>\n

 <\/p>\n

I asked her to show me the dividend statement so I could talk her through the way the system works. The last statement showed that she owned 1,100 CBA shares worth around $115 each. The half-yearly dividend was $2,365, at $2.15 a share. Thanks to being a participant in the dividend reinvestment scheme, this $2,365 was used to acquire an additional 20 shares, bringing her total holding to 1,120 shares.<\/span><\/p>\n

 <\/p>\n

She thought she had me: \u2018I told you I was using the dividend to buy more shares \u2013 I\u2019ve now got another 20 of them.\u2019 But then I pointed out the notation that there was a franking credit of $1,014. She seemed puzzled by this. I said, \u2018I\u2019ve got good news for you. The actual dividend is what is used to buy more shares in the bank \u2013 the franking is a bonus which you can use to pay your tax, or get a refund if you have no tax to pay.\u2019<\/span><\/p>\n

 <\/p>\n

We went through all the previous dividend statements and I calculated she had at least $12,000 due to her. After consultation with her accountant, it appeared she hadn\u2019t lodged a tax return for years. By lodging returns, she could claim all those franking credits back. It was a $12,000 windfall, and it made her day.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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

Superannuation<\/strong><\/span><\/p>\n

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

It\u2019s been another great month for superannuation funds, and the returns for the three months ended 31 March have been very good for nearly all investments. But realistically, I don\u2019t see good returns for the month of April. Markets are driven by what happens in America and the hoped for interest rate cuts have not happened because the economy is going better than forecast. Just keep in mind that markets do fluctuate and don\u2019t get spooked by the normal short term volatility.<\/span><\/p>\n

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

Noel’s Next Gigs<\/strong><\/span><\/p>\n

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

The first one is on\u00a0Thursday 16 May\u00a0<\/strong>at the\u00a0Currumbin RSL\u00a0<\/strong>on the\u00a0<\/strong>Gold Coast.<\/u><\/u><\/span><\/p>\n

View the invitation with all of the event details\u00a0here:<\/span><\/p>\n

Details & RSVP<\/a><\/span><\/p>\n

The event has been capped at 190 pax and all attendees need to register.<\/span><\/p>\n

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

The second one is on\u00a0Wednesday 22nd<\/sup>\u00a0of May<\/strong>\u00a0in\u00a0Townsville<\/strong>\u00a0at 6 pm.\u00a0<\/u><\/u><\/span><\/p>\n

It\u2019s been put on by the financial planning firm My Fortress I\u2019ll be talking about the budget, the state of the economy and all the things you need to know for successful estate planning. Attendees, will be given a\u00a0 free copy of my new book\u00a0Wills death and taxes made simple<\/i>.<\/span><\/p>\n

Register Now<\/a><\/span><\/p>\n

Looking forward to seeing you there!<\/span><\/p>\n\n\n\n
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Chasing Mozzies<\/u><\/u><\/span><\/h2>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n

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There are many trees around our home, which make it a haven for mosquitoes during the wet season. I\u2019m a gadget freak, and over the years I\u2019ve tried many gadgets that are supposed to keep the mozzies away and have had no success with any of them. Yes, you can use Aerogard but it stinks and I don\u2019t like rubbing it into my skin.<\/u><\/u><\/span><\/p>\n

 <\/p>\n

Our daughter and her outdoor-loving husband have four children under 10 and have recently taken up camping. A few weeks ago she came over with a gift for us: a mosquito-repellent device that she said worked perfectly. I was highly sceptical given my experience with these types of gadgets, but we tried it and have been 100% satisfied from day one.<\/span><\/p>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\"NOEL<\/span><\/p>\n\n\n\n
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Chasing Mozzies<\/span><\/h2>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n

There are many trees around our home, which make it a haven for mosquitoes during the wet season. I\u2019m a gadget freak, and over the years I\u2019ve tried many gadgets that are supposed to keep the mozzies away and have had no success with any of them. Yes, you can use Aerogard but it stinks and I don\u2019t like rubbing it into my skin.<\/span><\/p>\n

 <\/p>\n

Our daughter and her outdoor-loving husband have four children under 10 and have recently taken up camping. A few weeks ago she came over with a gift for us: a mosquito-repellent device that she said worked perfectly. I was highly sceptical given my experience with these types of gadgets, but we tried it and have been 100% satisfied from day one.<\/span><\/td>\n<\/tr>\n

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Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum.<\/span><\/td>\n<\/tr>\n
It\u2019s a Thermacell EX90 Rechargeable Mosquito Repeller Unit which retails for $99.99 at Bunnings and is about the size of a big mango. It is rechargeable, but the battery seems to last for a long time. All you have to do is put it near you when you are sitting around or eating. When you switch it on it emits an invisible and odourless vapour that keeps the mozzies away. I just wish we had found it years ago.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n
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From the Mailbox<\/u><\/u><\/span><\/h2>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n

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From the Mailbox<\/u><\/u><\/span><\/h2>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n

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The first person out of the starting gates when the book was released was Mary. I emailed her to congratulate her on being the number one purchaser. This was her response:<\/u><\/u><\/span><\/p>\n

“I should have mentioned that I read your book,\u00a0<\/i>Making Money Made Simple\u00a0when I was a young teenage girl (I\u2019m 59 now!) \u2013 such a great gift to give a young person the ability to understand the power of their own money!\u00a0<\/i><\/u><\/u><\/span><\/p>\n

 <\/p>\n

I\u2019ve \u2018unofficially retired\u2019 and manage my own SMSF as well as a number of investment properties (inside and out of super) and also have a lovely home. I\u2019m keen to get your new books and hear your tips on how to navigate this stage and also understand super a bit more, including when is the right time to TTR.<\/i><\/span><\/p>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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

Anyhow, I essentially just wanted to say a big thank-you to you for being on my journey. As a financially secure single mother (since my kids were 3 and 5 years old), it\u2019s made a huge difference having money and making independent and confident decisions throughout my life. I do hope one day my boys \u2013 now aged 18 and 20 \u2013 will also read your book and take the same interest in their financial well-being as I did! “<\/span><\/p>\n

And Finally<\/strong>
\nI thought this was most appropriate in the current political world.<\/strong><\/span><\/p>\n

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

The Post turtle<\/strong><\/span><\/p>\n

While suturing a cut on the hand of a 75-year-old rancher, whose hand was caught in the gate while working cattle, the doctor struck up a conversation with the old man. Eventually, the topic got around to one of the political candidates.<\/span><\/p>\n

The old rancher said, “Well, ya know, that candidate is a ‘Post Turtle’.”<\/span><\/p>\n

Not being familiar with the term, the doctor asked him what a ‘post turtle’ was.<\/span><\/p>\n

The old rancher said, “When you’re driving down a country road you come across a fence post with a turtle balanced on top, that’s a ‘post turtle’.”<\/span><\/p>\n

The old rancher saw the puzzled look on the doctor’s face so he continued to explain.<\/span><\/p>\n

“You know they didn’t get up there by themselves,<\/span><\/p>\n

they don’t belong up there,<\/span><\/p>\n

they don’t know what to do while they’re up there,<\/span><\/p>\n

and you just wonder what kind of dumb ass put them up there to begin with.”<\/span><\/p>\n

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

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

\"\"I hope you have enjoyed the latest edition of Noel News.<\/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 more regular communications from me if you follow me on X –\u00a0@NoelWhittaker<\/a>.<\/span><\/p>\n

Noel Whittaker<\/i><\/span><\/p>\n

\u00ad<\/span><\/p>\n

Click here to receive your free copy of the eLanka Newsletter twice a week delivered directly\u00a0to\u00a0your\u00a0inbox!<\/span><\/strong><\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

NOEL NEWS He is terribly afraid of dying because he hasn\u2019t yet lived.\u00a0 FRANZ KAFKA Welcome to our April newsletter. First of all, let me thank you for your overwhelming support of my new book. Orders have been coming in non-stop, and I\u2019m humbled by your confidence in me by buying a product yet unseen. […]<\/p>\n","protected":false},"author":3,"featured_media":133950,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"aside","meta":{"footnotes":""},"categories":[20],"tags":[63813,29468,18893],"class_list":{"0":"post-133949","1":"post","2":"type-post","3":"status-publish","4":"format-aside","5":"has-post-thumbnail","7":"category-articles","8":"tag-franz-kafka","9":"tag-noel-news","10":"tag-noel-whittaker","11":"post_format-post-format-aside"},"yoast_head":"\nNOEL NEWS<\/title>\n<meta name=\"description\" content=\"First of all, let me thank you for your overwhelming support of my new book. Orders have been coming in non-stop, and I\u2019m humbled\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NOEL NEWS\" \/>\n<meta property=\"og:description\" content=\"First of all, let me thank you for your overwhelming support of my new book. 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