{"id":152414,"date":"2025-05-01T13:02:43","date_gmt":"2025-05-01T13:02:43","guid":{"rendered":"https:\/\/websitedesigns.com.au\/elankanew\/?p=152414"},"modified":"2025-05-01T13:03:17","modified_gmt":"2025-05-01T13:03:17","slug":"noel-news-73","status":"publish","type":"post","link":"https:\/\/websitedesigns.com.au\/elankanew\/noel-news-73\/","title":{"rendered":"NOEL NEWS"},"content":{"rendered":"

\u00a0NOEL NEWS<\/span><\/h2>\n

\"NOEL<\/p>\n

“Children are the living messages we send to a time we will not see.\u201d<\/i><\/strong><\/u><\/u><\/span><\/p>\n

JOHN F. KENNEDY<\/span><\/p>\n

The Podcast<\/u><\/u><\/span><\/h1>\n

Renowned broadcaster John Deeks and I discuss all the big topics covered in this newsletter in detail each month.<\/span><\/p>\n

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

Listen Now on Spotify<\/a><\/span><\/p>\n

Welcome to our May newsletter<\/strong><\/span><\/p>\n

Can you believe 30 June is just around the corner? Now\u2019s the time to start thinking seriously about ways to trim your tax bill before the financial year wraps up, especially if you\u2019re facing a potential capital gains tax liability.<\/u><\/u><\/span><\/p>\n

A reminder: for CGT purposes, it\u2019s the contract date that matters, not the settlement date. It\u2019s crucial to get expert advice\u00a0before<\/i>\u00a0you even put an asset on the market.<\/u><\/u><\/span><\/p>\n

And if you\u2019re between 60 and 75, talk to your adviser about whether catch-up contributions could help reduce your CGT liability. I\u2019ve explained this strategy in detail in earlier newsletters, and I\u2019ll be sharing even more tips in the June edition.<\/u><\/u><\/span><\/p>\n

We\u2019re also just a few days away from the federal election. Right now, the outcome is uncertain, but no matter who wins, there\u2019ll be plenty to talk about once the dust settles. Watch this space.<\/u><\/u><\/span><\/p>\n

Meanwhile, it\u2019s been chaos in the markets this month \u2013 more like a Netflix thriller than a finance report. One day it\u2019s panic, the next euphoria, then straight back to fear. Headlines have screamed meltdown, bloodbath and $9 trillion wiped off the boards. One of the sharpest plunges in history was followed by a record-breaking surge \u2013 only to be flattened again by yet another slump. Volatility is back with a vengeance, and investors are gripping their seats.<\/span><\/p>\n

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

Naturally, I\u2019m receiving a heap of questions about my view on all this, and my response is always the same:<\/u><\/u><\/span><\/p>\n

“I\u2019ve been investing for 60 years and this is nothing new.”<\/strong><\/u><\/u><\/span><\/p>\n

One of the earliest \u2013 and most dramatic \u2013 crashes of my investing life came in\u00a01974<\/strong>, when a severe credit squeeze hit the country. Interest rates soared, inflation was rampant, and banks virtually stopped lending. It became almost impossible to get a loan, paralysing the property market and strangling business activity.<\/u><\/u><\/span><\/p>\n

The next came in\u00a01987<\/strong>, when Australia was swept up in the global share market crash known as Black Monday. The All Ordinaries plunged more than 40% in just a few weeks, wiping out years of gains and decimating retirement savings. The index fell from over 2300 to under 1400 almost overnight.<\/u><\/u><\/span><\/p>\n

Just three years later, in\u00a01990<\/strong>, it was the property market\u2019s turn. In Melbourne, a commercial building once valued at $60 million suddenly sold for $6 million. Over-leveraged investors were wiped out, and banks scrambled to recover loans now drastically under-secured. The crash sparked a broader recession.<\/u><\/u><\/span><\/p>\n

Fast forward to\u00a02000<\/strong>: we dodged the predicted Y2K bullet, but the dot-com crash arrived and lasted until 2002. The NASDAQ fell a staggering 78% as internet hype gave way to harsh reality. Hundreds of tech companies vanished, but a few survivors like Amazon and Apple emerged stronger and went on to become juggernauts. It was a classic case of short-term pain leading to long-term transformation.<\/u><\/u><\/span><\/p>\n

Then came the Global Financial Crisis of\u00a02008<\/strong>. I remember walking through Threadneedle Street in London at the height of the panic, seeing stunned faces and posters showing burning Ferraris, declaring \u201cCapitalism is finished.\u201d Banks collapsed, credit markets froze, and Australia braced for impact. Yet we pulled through.<\/u><\/u><\/span><\/p>\n

In early\u00a02020<\/strong>, the COVID-19 pandemic hit. Lockdowns froze economies and markets fell off a cliff. The All Ordinaries dropped 37% in a few weeks, super balances shrank, businesses shut their doors, and fear spread like wildfire. Yet just as swiftly, recovery began and markets bounced back long before the headlines did.<\/u><\/u><\/span><\/p>\n

Each of these episodes felt, at the time, like the end of the world. And yet here we are, still standing, still investing, still navigating uncertainty. Volatility isn\u2019t a flaw in the financial system; it\u2019s a feature.<\/u><\/u><\/span><\/p>\n

History reminds us that even the deepest valleys are eventually followed by recovery.<\/u><\/u><\/span><\/p>\n

Let me finish with a Chinese fable, a perfect parable for the times we\u2019re living through.<\/u><\/u><\/span><\/p>\n

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

A farmer\u2019s horse ran away, and the neighbours came to commiserate.<\/span>
\n<\/u><\/u><\/p>\n

\u201cHow terrible,\u201d they said. The farmer replied, \u201cMaybe so, maybe not.\u201d<\/u><\/u><\/span><\/p>\n

A week later, the horse returned with three wild horses.<\/span>
\n<\/u><\/u><\/p>\n

\u201cHow wonderful!\u201d said the neighbours. \u201cMaybe so, maybe not,\u201d said the farmer.<\/u><\/u><\/span><\/p>\n

Soon after, the farmer\u2019s son tried to tame one, was thrown, and broke his leg.<\/span>
\n<\/u><\/u><\/p>\n

\u201cWhat a disaster!\u201d cried the neighbours. \u201cMaybe so, maybe not,\u201d said the farmer.<\/u><\/u><\/span><\/p>\n

Then the army came through the village, conscripting every able young man, but left the injured son behind.<\/span>
\n<\/u><\/u><\/p>\n

\u201cHow lucky!\u201d said the neighbours. Once again, the farmer replied, \u201cMaybe so, maybe not.\u201d<\/u><\/u><\/span><\/p>\n

The fable leaves us with the only question that\u00a0where does the story end?<\/strong><\/span><\/p>\n

From the Mail Box<\/strong><\/span><\/h1>\n

“Back in 1989\/90, my father gave my brother and me a copy of your book\u00a0Making Money Made Simple<\/i>. I\u2019ve recently reread it and realised what a huge difference it\u2019s made to my life.<\/u><\/u><\/span><\/p>\n

We saved the first 10 percent, always ate before shopping, and stuck to our list \u2014 except when a regular item was on special. When we bought our first home, we lived off the smaller salary and put the larger one on the mortgage. We each had \u201cno questions\u201d money and paid the mortgage fortnightly, matching our pay cycle. We also wrote down short- and long-term goals.<\/span><\/p>\n

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

Image by gpointstudio on Freepik<\/span><\/p>\n

Today we\u2019re debt-free on a small farm, with rental income from modest two-bedroom properties, rented at the lower end of the market to terrific long-term tenants. We\u2019re still growing our super.<\/u><\/u><\/span><\/p>\n

My only regret is not rereading your book sooner \u2014 we could have used a few more advanced strategies. Over Easter, our eldest daughter, an accountant, read it and took it home for her fianc\u00e9. She even pointed out the $416 child income limit is still the same as in 1989! After he\u2019s done, she\u2019ll pass it to her sister.<\/u><\/u><\/span><\/p>\n

So, Noel, thank you for the life-changing advice \u2014 and thanks to your wife for pushing you to start the book on that Boxing Day.”<\/u><\/u><\/span><\/p>\n

Remember \u2014 the right book can change a young person\u2019s life and their future.<\/span>
\n<\/u><\/u><\/p>\n

Our three bestselling titles \u2014\u00a010 Simple Steps to Financial Freedom<\/i>,\u00a0Making Money Made Simple<\/i>, and\u00a0Beginners Guide to Wealth<\/i>\u00a0\u2014 are packed with simple, practical advice.<\/u><\/u><\/span><\/p>\n

They\u2019re available now from our online bookshop \u2014 just click below to buy!<\/span><\/p>\n

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

Book Shop<\/b><\/span><\/p>\n

Noel’s Next Presentation<\/strong><\/u><\/u><\/span><\/h2>\n

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

It gives me great pleasure to invite you to my next public presentation at Seasons Mango Hill in Brisbane. You can read all about the venue via the website below.<\/u><\/u><\/span><\/p>\n

I\u2019ll be sharing\u00a0practical tips and strategies to help seniors thrive<\/strong>\u00a0in today\u2019s economy and enjoy a\u00a0stress-free retirement<\/strong>. I\u2019ll also be answering questions from the audience, so feel free to bring along anything you\u2019re curious about.<\/u><\/u><\/span><\/p>\n

Entry is free, and everyone who attends will receive a copy of my book. Tea and coffee will be provided, making it a wonderful opportunity to relax, learn, and connect.<\/u><\/u><\/span><\/p>\n

Date:\u00a0<\/strong>June 3rd, 2025<\/span>
\n<\/u><\/u><\/p>\n

Time:<\/strong>\u00a010:00 AM<\/span>
\n<\/u><\/u><\/p>\n

Location:<\/strong>\u00a0Seasons Mango Hill \u2013<\/span>
\n28 Akuna Way, Mango Hill (Building B)<\/u><\/u><\/span><\/p>\n

or<\/span>
\nonline via the event link here<\/a><\/span><\/p>\n

About the venue:<\/strong><\/span><\/p>\n

seasonsliving.com.au<\/a><\/span>
\nI look forward to seeing you there!<\/span><\/p>\n

Taxing unrealised capital gains<\/strong><\/span><\/p>\n

Tax has been a major issue in this election campaign, and the one grabbing headlines as we write is Labor\u2019s proposal to tax you on unrealised capital gains.<\/span><\/p>\n

I\u2019m not making this up.<\/span><\/p>\n

Their plan is that if you have over $3 million in your self-managed superannuation fund, you will be required to pay tax not just on gains you\u2019ve realised, but also on gains you haven\u2019t. That\u2019s right: tax on increases in value, even if you haven\u2019t sold anything.<\/span><\/p>\n

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

Let\u2019s take a classic case. You bought Tesla shares back in 2020 when they were trading around $85. By 30 June 2021, they\u2019d soared to about $400. But after 30 June, Tesla shares plunge \u2013 say, by 50%. Even though the value of your shares has halved, you\u2019re still liable for capital gains tax on the rise to 30 June \u2013 on gains you never actually received.<\/u><\/u><\/span><\/p>\n

And here\u2019s an even bigger problem that\u2019s barely been mentioned: this is a widow\u2019s tax. Suppose a couple has $4 million in superannuation between them. While both are alive, they stay under the $3 million threshold individually. But if one partner dies, the survivor immediately becomes liable for tax on any unrealised gains \u2013 simply because the superannuation balances have combined into one. The survivor could face a major tax bill at exactly the time they are most vulnerable.<\/span><\/p>\n

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

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

It gets worse. The Greens have vowed to lower the threshold from $3 million to $2 million if they get elected and form a co-government with Labor. If the Greens approach is implemented, according to ASIC\u2019s Moneysmart and ATO data, as reported by the Australian Financial Review, it would see 1,811,952 Australians immediately captured in this policy plus 780,000 people under the age of 30 would also be included over their working life. A stark contrast to earlier claims by Treasury of only 80,000 people being impacted.<\/span><\/p>\n

Negative gearing<\/strong><\/u><\/u><\/span><\/h1>\n

Housing is front and centre in this election campaign, and a flood of opinions is swirling around how to solve the crisis. One of the least realistic comes from the Greens: scrap negative gearing and freeze rents.<\/u><\/u><\/span><\/p>\n

Their proposal reveals a deep misunderstanding of how negative gearing works and the long-term benefits it brings, not just to investors but to the broader economy. Let\u2019s start with the basics.<\/span><\/p>\n

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

Image by gpointstudio on Freepik<\/span><\/p>\n

Negative gearing simply means that when the costs of owning a rental \u2013 interest, maintenance, land tax, insurance \u2013 exceed the rent it earns, the investor can offset the loss against other income. Most negative gearers today are in the 30% tax bracket, not the top one. So if they lose $10,000 a year, the tax deduction is worth about $3,000. The remaining $7,000 is paid by the investor. It\u2019s hardly the \u201crort\u201d that critics claim.<\/span><\/p>\n

This is a long-term play. Consider a common scenario: someone buys an investment property, and over time it moves through three phases. In the first five years, it\u2019s negatively geared and might cost the government $15,000 in forgone tax. In the next five years, it\u2019s neutrally geared \u2013 no deduction, no tax. From year ten onwards, it becomes positively geared, producing income and tax revenue for decades.<\/span><\/p>\n

Fast forward 35 years. The investor reaches pension age. The property has appreciated, but they fail the asset test and miss out on the age pension. To fund retirement, they sell and get hit with a capital gains tax bill. That\u2019s another big payday for the government. For a modest up-front cost, the return to Treasury is substantial. It\u2019s not a loophole; it\u2019s delayed revenue.<\/span><\/p>\n

Now imagine if the Greens also froze rents. What happens then? Landlords still face rising costs, but their income is capped. Over time, maintenance gets deferred, properties deteriorate, and tenants suffer. It\u2019s happened in all the major cities where rent controls were tried \u2013 New York, San Francisco, Berlin. Supply dries up, quality crashes, and renters end up with fewer options and worse outcomes.<\/span><\/p>\n

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

Tiny New York Apartment<\/span><\/p>\n

The principle is simple: the more hostile you make property investment the fewer rentals will exist. And when supply falls, rents rise.<\/span><\/p>\n

Some argue that discouraging investors would free up more homes for first home buyers, and maybe it would. But it would also mean far fewer rental properties available for tenants. Rental supply would shrink, competition would intensify, and rents would skyrocket. Hurting investors doesn\u2019t magically help first home buyers. It just shifts the crisis from one group to another.<\/span><\/p>\n

Then there\u2019s the claim from Greens MP Adam Bandt that share market volatility will drive Australians to dump shares and rush into property, pushing prices even higher. That completely misunderstands how superannuation works.<\/span><\/p>\n

Australians have over $4 trillion invested in super \u2013 much of it in shares \u2013 and most of it is locked away until age 60. You can\u2019t simply cash it out to buy a house. And experienced investors don\u2019t panic during market swings. They ride it out \u2013 that\u2019s investing 101. In fact, we recently saw the biggest single-day gain in the share market\u2019s history. Volatility is normal. It\u2019s no excuse for panic-driven housing policy.<\/span><\/p>\n

Then there\u2019s the claim that abolishing negative gearing will reduce house prices. Maybe it would. Maybe not. But investor confidence is already fading. New restrictions, higher costs and more red tape have taken a toll. That\u2019s one reason rental supply is shrinking and rents are rising.<\/span><\/p>\n

And what about affordability? In Queensland, the median house price is now about $950,000. Stamp duty on that is $32,500 \u2013 a massive burden for first home buyers before they\u2019ve even moved in.<\/span><\/p>\n

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

If governments really want to help people into the housing market, they should reform stamp duty and increase housing supply.<\/span><\/p>\n

Those are the kinds of changes that actually make a difference.<\/span>
\nBlaming negative gearing might win headlines, but it solves nothing.<\/span><\/p>\n

Superannuation in the news once more<\/strong><\/span><\/p>\n

Super funds keep making headlines for all the wrong reasons \u2013 here\u2019s how to protect yourself and your family.<\/span><\/p>\n

The superannuation industry is heading for a reckoning. The latest uproar over death benefits is just one more chapter in a long-running saga. In October 2024, ASIC Commissioner Simone Constant slammed the industry for poor service, weak trustee expertise and a failure to reform. Her message was loud and clear but as usual, it fell on deaf ears.<\/span><\/p>\n

If history is any guide, we know what happens next: apologies, vague promises and token changes. Nothing close to the overhaul that\u2019s needed.<\/span><\/p>\n

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

That\u2019s why it\u2019s vital to protect ourselves from the indifference of big institutions. And that starts by understanding two key member benefit and death benefit.<\/span><\/p>\n

A member benefit is a payment to a living member \u2013 and it\u2019s tax-free. A death benefit is paid after death and if it goes to a non-dependent, it may attract a death tax of up to 17%.<\/span><\/p>\n

Obviously, it\u2019s better to receive a member benefit: you get the money immediately and sidestep the death tax. So when is the right time to start pulling money out of super?<\/span><\/p>\n

Let\u2019s think about super\u2019s natural life cycle. Throughout your working life, your fund grows steadily, boosted by employer contributions and investment earnings, taxed at just 15%. When you retire and start a pension, the fund becomes tax-free, and you can withdraw as needed.<\/span><\/p>\n

Many retirees leave their money in super because it\u2019s simple: investments are managed, drawdowns are arranged, and earnings remain tax-free.<\/span><\/p>\n

But if your super is still there when you die, there can be drawbacks: delays, administrative hurdles and potentially a death tax.<\/span><\/p>\n

I\u2019ve always advised keeping at least three years\u2019 planned expenditure in cash.<\/span><\/p>\n

Ideally, this buffer account should be accessible to both members of a couple and to your attorney. It provides peace of mind during market downturns, so you\u2019re never forced to sell investments at the wrong time.<\/span><\/p>\n

You might hold, say, $150,000 in a bank account, topping it up each year from super. It\u2019s a safety net if one partner dies and there are delays in releasing super. And when a single member dies, the cash buffer ensures funds are available to the estate and attorney to meet expenses while probate is finalised.<\/span><\/p>\n

This kind of planning protects you from super fund inertia, keeps money accessible and gives investments time to recover.<\/span><\/p>\n

A critical step in estate planning is appointing a trustworthy enduring power of attorney and ensuring they have the authority to act before death.<\/span><\/p>\n

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

To avoid the death tax, you can instruct them to withdraw your super tax-free when death is near, but timing is everything.<\/span><\/p>\n

I recently heard from a friend who battled Catholic Super and their trustee, Mercer. Her grandmother, terminally ill, had six months to live. They notified the fund to withdraw the super as a member benefit. But delays and administrative mix-ups meant the payment wasn\u2019t made before her death. Despite appeals, the death tax applied.<\/span><\/p>\n

The lesson is clear: don\u2019t leave it to the last minute.<\/span><\/p>\n

If your intention is to receive your super as a member benefit, notify your fund well in advance and have clear instructions ready. Otherwise, your estate \u2013 and your loved ones \u2013 could end up paying the price.<\/span><\/p>\n

That strategy of withdrawing super before death can work well, but it\u2019s only relevant if death is imminent.<\/span><\/p>\n

For the average retiree, the more practical safeguard is simple:<\/span>
\nmake sure you have a serious financial buffer in place.<\/span><\/p>\n

Solar batteries<\/strong><\/span><\/p>\n

A major election promise from Labor is a $2.3 billion Cheaper Home Batteries Program to cut battery costs by around one third. The rebate is based on a battery\u2019s usable storage capacity (excluding installation costs) and offers roughly $370 per kilowatt-hour. For example, a 13.5 kWh Tesla Powerwall 2, priced at about $11,900 (plus installation), would attract a rebate of nearly $5,000.<\/span><\/p>\n

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

When COVID hit, cancelled trips left us with spare cash, so we installed a Tesla Powerwall. It\u2019s been reliable \u2013 it even sent a text before a cyclone saying it was charging from the grid in case of a blackout.<\/span>
\nSadly, the numbers don\u2019t stack up.<\/span><\/p>\n

Consider a typical day for a household with solar and a battery. It starts with the battery nearly empty and no solar power. Early electricity comes from the grid. As the sun rises \u2013 if it does \u2013 solar begins offsetting grid use. If conditions are good, solar output exceeds usage and the battery charges. But by afternoon, solar drops. When it can\u2019t meet demand, the house draws from both the battery and the grid. Often the battery ends the day nearly empty, especially in winter.<\/span><\/p>\n

Now, let\u2019s pretend it\u2019s a perfect day.<\/span><\/p>\n

Remember: solar batteries must keep about 15% of their capacity in reserve to power gates, lights and essential systems during a blackout. That reserve isn\u2019t available for normal household use, reducing effective storage further.<\/span><\/p>\n

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

Image by wirestock on Freepik<\/span><\/p>\n

On a perfect day, your battery fills completely, powered by your own solar panels.<\/span><\/p>\n

But this also happens just as most people come home from work and demand surges, while solar generation fades.<\/span><\/p>\n

Right now, power costs around 30 cents per kilowatt-hour. So a full battery holds just $3.60 worth of electricity.<\/span><\/p>\n

It\u2019s satisfying to use your own power, but in dollar terms, it\u2019s a modest saving.<\/span><\/p>\n

Assume you fully charge and use your battery on 200 days a year. Total annual saving: about $720. Helpful, but hardly the game-changer it\u2019s often claimed to be.<\/span><\/p>\n

Even with Labor\u2019s proposed $5,000 rebate, a homeowner would still pay around $12,000 once installation is included, pushing the total cost to about $17,000.<\/span><\/p>\n

At annual savings of $720, it would take 16 years to recover the cost, and that\u2019s about the estimated lifespan of a Tesla Powerwall.<\/span><\/p>\n

In other words, just as you break even, the battery may need replacing.<\/span><\/p>\n

There\u2019s also a basic unfairness.<\/span><\/p>\n

The people most likely to be struggling \u2013 renters \u2013 can\u2019t install solar and batteries because they don\u2019t own the roof. There\u2019s an argument that savvy landlords might install them to justify higher rents, but that idea runs into Greens policy, which demands a freeze on all rents.<\/span><\/p>\n

Why would a landlord spend thousands installing solar when they can\u2019t adjust the rent?<\/span><\/p>\n

The contradictions are obvious. Good intentions don\u2019t always make good policy.<\/span><\/p>\n

And finally<\/strong><\/span><\/p>\n

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

With tariffs popping up faster than weeds, The Spectator in Great Britain held a competition to see who could come up with the best verse about them. Here are three of the finest efforts. Enjoy!<\/span><\/p>\n

O sweetest fees! My sacred vow,<\/span>
\nCarved deep upon my furrowed brow \u2014<\/span>
\nTo shield, with tariffs strong and wide,<\/span>
\nMy pure and perfect MAGA bride.<\/span>
\nO gallant heart, refuse to quake!<\/span>
\nThese noble levies I shall make.<\/span>
\nThe order inked \u2014 let taxes soar!<\/span>
\nLet global markets howl and roar!<\/span>
\nI clutch the chart \u2014 the chart of doom \u2014<\/span>
\nYet strut and preen through gathering gloom.<\/span>
\nFor in my blaze of orange might,<\/span>
\nI claim confusion as my right.<\/span><\/p>\n

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

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

A big thank you to all you good people who read my newsletter.<\/span><\/p>\n

If you were forwarded this newsletter by a friend and you would like to subscribe, you can do so here:<\/span><\/p>\n

Subscribe to Noel News<\/a><\/span><\/p>\n

You can also find the subscription box in the footer of all website pages.<\/span><\/p>\n

For more Noel News:<\/span><\/p>\n

View past Noel News editions<\/a><\/span><\/p>\n

Download recent Noel News as a PDF<\/a><\/span><\/p>\n

\"Noel<\/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 – @NoelWhittaker.<\/span><\/p>\n

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


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

\u00a0NOEL NEWS “Children are the living messages we send to a time we will not see.\u201d JOHN F. KENNEDY The Podcast Renowned broadcaster John Deeks and I discuss all the big topics covered in this newsletter in detail each month. Listen Now on Spotify Welcome to our May newsletter Can you believe 30 June is […]<\/p>\n","protected":false},"author":3,"featured_media":152415,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"aside","meta":{"footnotes":""},"categories":[20],"tags":[29468,18893],"class_list":{"0":"post-152414","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<\/title>\n<meta name=\"description\" content=\""Children are the living messages we send to a time we will not see.\u201dJOHN F. 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