{"id":154647,"date":"2025-06-28T07:18:59","date_gmt":"2025-06-28T07:18:59","guid":{"rendered":"https:\/\/websitedesigns.com.au\/elankanew\/?p=154647"},"modified":"2025-06-28T07:19:27","modified_gmt":"2025-06-28T07:19:27","slug":"noel-news-75","status":"publish","type":"post","link":"https:\/\/websitedesigns.com.au\/elankanew\/noel-news-75\/","title":{"rendered":"NOEL NEWS"},"content":{"rendered":"<h2 style=\"text-align: center;\"><span style=\"color: #000000;\">\u00a0NOEL NEWS\u00a0<\/span><\/h2>\n<p style=\"text-align: center;\"><span style=\"font-size: 16px; color: #000000;\"><strong><i>Special Bulletin<\/i><\/strong><\/span><\/p>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-154648\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2025\/06\/NOEL-NEWS-01-e1751093306561.jpg\" alt=\"NOEL NEWS 01\" width=\"600\" height=\"336\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #000000;\"><i>The journey of a thousand miles\u00a0<\/i><\/span><br \/>\n<span style=\"color: #000000;\"><i>begins with a single step.<\/i><\/span><br \/>\n<span style=\"color: #000000;\">LAO TZU<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Good morning, this is a special early bulletin, sent ahead of the usual July newsletter\u2014which will land in your inbox in about a week and be the full, jam-packed edition you\u2019ve come to expect.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">I\u2019ve brought this one forward for a simple reason: there\u2019s a very special webinar coming up on Tuesday 8 July, and I didn\u2019t want you to miss out.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Timing\u2019s been a bit tricky\u2014my podcast partner John Deeks isn\u2019t free until Wednesday 2 July, and waiting for him would\u2019ve meant telling you about the webinar far too late. I know how much many of you enjoy the events I\u2019m involved in, so I wanted to make sure you had plenty of notice.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">I&#8217;m also telling you about an event in Brisbane on the 23 July and flagging a seminar to be held in the eastern suburbs of Sydney in September.<\/span><\/p>\n<h3 style=\"text-align: justify;\" align=\"center\"><span style=\"font-size: 16px; color: #000000;\">The Senior Webinar<u><\/u><u><\/u><\/span><\/h3>\n<h3 style=\"text-align: justify;\" align=\"center\"><span style=\"font-size: 16px; color: #000000;\"><strong>How to manage your money in retirement<\/strong><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-154649\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2025\/06\/NOEL-NEWS-02-e1751093706634.jpg\" alt=\"NOEL NEWS 02\" width=\"600\" height=\"273\" \/><\/span><\/p>\n<p style=\"text-align: justify;\" align=\"center\"><span style=\"font-size: 16px; color: #000000;\">Tuesday July 8, 2pm AEDT<u><\/u><u><\/u>\u00a0<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\" align=\"center\"><span style=\"font-size: 16px; color: #000000;\">If you click on this link, you&#8217;ll find all the information about it.<\/span><br \/>\n<span style=\"font-size: 16px; color: #000000;\">I hope you can join us.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 16px;\"><a style=\"color: #000000;\" href=\"https:\/\/www.thesenior.com.au\/story\/8954753\/boost-your-retirement-income-with-expert-tips-from-noel-whittaker-during-free-webinar\/\" target=\"_blank\" rel=\"noopener noreferrer\">Event Info &amp; Registration<\/a><\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>The 2025 GemLife Over-50s Lifestyle Forum<\/strong><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-154650\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2025\/06\/NOEL-NEWS-03-e1751093832453.jpg\" alt=\"NOEL NEWS 03\" width=\"600\" height=\"192\" \/><\/span><\/p>\n<p style=\"text-align: justify;\" align=\"center\"><span style=\"font-size: 16px; color: #000000;\">Wednesday 23 July<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">\u00a0<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">If you&#8217;re looking to make the most of life after 50, the 2025 GemLife Over-50s Lifestyle Forum is not to be missed.\u00a0<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Taking place at\u00a0<strong>Brisbane\u2019s Victoria Park Golf Club<\/strong>\u00a0in Herston, this\u00a0<strong>free, half-day event\u00a0<\/strong>brings together a panel of expert presenters including Noel Whittaker, Rachel Lane, and Carly Barlow, with Jamie Durie as MC.<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">The forum will cover key topics relevant to the over 50s, including financial wellbeing, downsizing, health, and lifestyle planning \u2013 all designed to help you make smart, informed choices for the years ahead.<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Full details can be found by clicking on\u00a0<a style=\"color: #000000;\" href=\"https:\/\/byhme.r.sp1-brevo.net\/mk\/cl\/f\/sh\/1t6Af4OiGsF30rRDo2Qkj4d6rdWaJy\/QKhjQoIEcck3\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/byhme.r.sp1-brevo.net\/mk\/cl\/f\/sh\/1t6Af4OiGsF30rRDo2Qkj4d6rdWaJy\/QKhjQoIEcck3&amp;source=gmail&amp;ust=1751179263941000&amp;usg=AOvVaw00sH9gV8ZYFpD1rA-7HNqs\">gemlife.com.au\/forum<\/a>\u00a0and you could also book seats there &#8211; remember seats are limited.<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">If you can\u2019t attend in person, register for the post-event recording by emailing\u00a0<a style=\"color: #000000;\" href=\"mailto:sarka@gemlife.com.au\" target=\"_blank\" rel=\"noopener\">sarka@gemlife.com.au<\/a>.<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000; font-size: 16px;\"><a style=\"color: #000000;\" href=\"https:\/\/www.gemlife.com.au\/events\/over-50s-lifestyle-forum-2025\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.gemlife.com.au\/events\/over-50s-lifestyle-forum-2025\/<\/a><\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>Proposed seminar in Sydney&#8217;s eastern suburbs<\/strong><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-154651\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2025\/06\/NOEL-NEWS-04-e1751093944744.jpg\" alt=\"NOEL NEWS 04\" width=\"600\" height=\"347\" \/><\/span><\/p>\n<p style=\"text-align: justify;\" align=\"center\"><span style=\"font-size: 16px; color: #000000;\">Thursday 11 September<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">\u00a0<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">A couple of months ago, Rachel Lane and I ran four packed-out seminars across Sydney\u2019s Northern Beaches.\u00a0<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Now we\u2019re getting strong interest from the eastern suburbs.<strong>\u00a0I floated the idea<\/strong>\u00a0with Shadforths\u2014a national firm with a 100-year history and a focus on comprehensive financial advice\u2014and they\u2019re keen to partner with us.<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">We\u2019re planning an event from 6pm to 8.30pm on Thursday 11th September. The only unknown is numbers\u2014and that affects the venue.<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>If you think you might like to attend<\/strong>, please email\u00a0<a style=\"color: #000000;\" href=\"mailto:noel@noelwhittaker.com.au?subject=I%E2%80%99m%20interested%20in%20coming%20to%20the%20seminar%20on%20Thursday%2011th%20September%20in%20Sydney\" target=\"_blank\" rel=\"noopener\"><strong>noel@noelwhittaker.com.<wbr \/>au<\/strong><\/a><strong>\u00a0<\/strong>with the message:\u00a0<i>\u201cI\u2019m interested in coming to the seminar on Thursday 11th September in Sydney.\u201d<\/i>\u00a0<u><\/u><u><\/u><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">There\u2019s absolutely no obligation\u2014we\u2019d just appreciate your help with planning.<\/span><\/p>\n<table style=\"font-weight: 400;\" width=\"285\">\n<tbody>\n<tr>\n<td><span style=\"font-size: 16px; color: #000000;\"><a style=\"color: #000000;\" href=\"mailto:noel@noelwhittaker.com.au?subject=I%E2%80%99m%20interested%20in%20coming%20to%20the%20seminar%20on%20Thursday%2011th%20September%20in%20Sydney.\"><strong>Email Noel expression of interest<\/strong><\/a><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 style=\"text-align: justify;\" align=\"center\"><span style=\"font-size: 16px; color: #000000;\"><strong>Questions on the new Division 296 tax<\/strong><u><\/u><u><\/u><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Labor&#8217;s attempt to tax unrealised capital gains in super has resulted in an avalanche of emails. Today we&#8217;ll look at some of the most asked questions.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-154652\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2025\/06\/NOEL-NEWS-05-e1751094625474.jpg\" alt=\"NOEL NEWS 05\" width=\"600\" height=\"377\" \/><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Image by tartila on Freepik<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>Question<\/strong><\/span><br \/>\n<span style=\"font-size: 16px; color: #000000;\">Regarding the proposed extra tax on earnings for super balances over $3 million &#8211; I agree taxing unrealised capital gains is a major concern and a complete shift from established principles. I thought any tax paid on unrealised gains would at least offset CGT when the asset is sold. But your article says otherwise:<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">\u201cWhen you do eventually sell those assets and realise a profit, you will pay capital gains tax. And no, there is no credit for the tax you have already paid on the unrealised gains \u2026\u201d<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Is that really correct? Surely there must be either a credit for tax already paid, or at least a cost base adjustment for the amount taxed.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>Answer<\/strong><\/span><br \/>\n<span style=\"font-size: 16px; color: #000000;\">You need to keep in mind that the tax on unrealised capital gains is calculated by taking the difference between the opening and closing values\u2014adjusted for withdrawals and contributions for the financial year ending 30 June 2026. This is simply a method of calculation. It does not alter your cost base for capital gains tax purposes.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">In other words, when assets in your fund are eventually sold, normal CGT rules will still apply. Taxation of specific assets within your fund is an entirely separate issue from the government\u2019s decision to levy a tax on the difference in valuations.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>Question<\/strong><\/span><br \/>\n<span style=\"font-size: 16px; color: #000000;\">I understand the Transfer Balance Cap (TBC) is $1.9 million for 2024\u201325, increasing to $2 million from 1 July 2025.Amounts transferred above this cap are taxed at 15%. Given this, individuals with $3 million in the accumulation phase already face a 15% tax on earnings.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">If the government&#8217;s proposed legislation passes, will it impose an additional 15% tax on earnings above $3 million, effectively bringing the tax rate to 30%? Or will the new tax apply only to the portion of the super balance exceeding $3 million that remains in accumulation? Additionally, how does this proposed tax interact with the existing lifetime TBC?<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>Answer<\/strong><\/span><br \/>\n<span style=\"font-size: 16px; color: #000000;\">The transfer balance cap is simply a mechanism to limit how much can be transferred into pension phase within superannuation. It\u2019s unaffected by the proposed changes. An example may help: suppose you have $3.6 million in super\u2014$2 million in pension phase and $1.6 million in accumulation\u2014at 30 June 2026. If your total balance then rises to $4 million, the increase is $400,000. However, only $1 million is above the $3 million threshold, so just 25% of the gain is taxable. That means the proposed tax of 15% would apply on $100,000, resulting in a $15,000 tax bill.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>Question<\/strong><\/span><br \/>\n<span style=\"font-size: 16px; color: #000000;\">I&#8217;m concerned about the proposal to tax unrealised capital gains in my super. If the fund holds franked shares, my understanding is that franking credits are refunded because tax has already been paid at the company level. If so, how can a franking refund be included in the year-end balance as a \u201ccontribution\u201d? Shouldn\u2019t it be excluded from the new tax calculation?<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>Answer<\/strong><\/span><br \/>\n<span style=\"font-size: 16px; color: #000000;\">That\u2019s not quite how franking works. When a fund receives a franked dividend, the statement shows the cash dividend and the franking credit. The credit isn\u2019t a contribution\u2014it\u2019s a tax offset that forms part of taxable income. It\u2019s used to reduce tax payable, and any excess is refunded. These amounts either boost the fund\u2019s bank balance or reduce its tax, improving its net position. It\u2019s not double taxation\u2014it\u2019s what prevents it<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>From the mailbox<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-154653\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2025\/06\/NOEL-NEWS-06-e1751094778469.jpg\" alt=\"NOEL NEWS 06\" width=\"600\" height=\"336\" \/><\/span><br \/>\n<span style=\"font-size: 16px; color: #000000;\">Image by Bob Rich for Hedgeye<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>Question<\/strong><\/span><br \/>\n<span style=\"font-size: 16px; color: #000000;\">With global political unrest threatening a potential market downturn, should we hold our share portfolio or shift a significant portion to term deposits?<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">We\u2019re a retired couple, aged 79 and 76, and have been retired for 16 years. Our assets include an $805,000 share portfolio generating about $40,000 a year, $177,000 in combined super earning roughly 6% annually, and $15,000 in the bank. We also own cars, a caravan, and our home. We\u2019re in good health and still active.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><strong>Answer<\/strong><\/span><br \/>\n<span style=\"font-size: 16px; color: #000000;\">I appreciate that we\u2019re in interesting times &#8211; and naturally, any conflict of the current magnitude generates massive headlines. Just remember, the share market has always had a long-term upward trend, and the secret of success is staying in and riding out the normal volatile periods. When you own shares, you\u2019re investing in businesses, and there\u2019s no doubt whatsoever that the major businesses making up the world\u2019s stock exchanges will continue to prosper over the long term.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">You may well have 15 years of investing ahead of you, and you\u2019ve got plenty of assets to see you through that time. The dividends from your shares should keep coming, regardless of what the markets are doing. Just make sure you always hold enough in the cash-type asset class, either inside or outside super, so you\u2019re never forced to dump quality assets when the market is going through one of its inevitable downturns. And remember\u2014nobody can accurately and consistently predict where markets are heading.<\/span><\/p>\n<h2 style=\"text-align: justify;\" align=\"center\"><span style=\"font-size: 16px; color: #000000;\"><strong>And finally<\/strong><u><\/u><u><\/u><\/span><\/h2>\n<h3 style=\"text-align: justify;\" align=\"center\"><span style=\"font-size: 16px; color: #000000;\"><strong>EMBARRASSING MEDICAL SITUATIONS<\/strong><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-154654\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2025\/06\/NOEL-NEWS-07-e1751094886226.jpg\" alt=\"NOEL NEWS 07\" width=\"600\" height=\"377\" \/><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Image by mdjaff on Freepik<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">A man comes into the ER and yells&#8230;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">&#8220;My wife&#8217;s going to have her baby in the cab.&#8221;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">I grabbed my stuff, rushed out to the cab, lifted the lady&#8217;s dress and began to take off her underwear.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Suddenly I noticed that there were several cabs and I was in the wrong one.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Submitted by Dr. Mark MacDonald, San Francisco<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">At the beginning of my shift I placed a stethoscope on an elderly and slightly deaf female patient&#8217;s anterior chest wall.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">&#8220;Big breaths,&#8221; I instructed.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">&#8220;Yes, they used to be,&#8221; replied the patient.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Submitted by Dr. Richard Byrnes, Seattle, WA<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">One day I had to be the bearer of bad news when I told a wife that her husband had died of a massive myocardial infarct.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Not more than five minutes later, I heard her reporting to the rest of the family that he had died of a &#8220;massive internal fart.&#8221;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Submitted by Dr. Susan Steinberg<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">During a patient&#8217;s two-week follow-up appointment with his cardiologist, he informed me, his doctor, that he was having trouble with one of his medications.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">&#8220;Which one?&#8221; I asked.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">&#8220;The patch&#8230; The nurse told me to put on a new one every six hours and now I&#8217;m running out of places to put it!&#8221;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">I had him quickly undress and discovered what I hoped I wouldn&#8217;t see.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Yes, the man had over fifty patches on his body!<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Now, the instructions include removal of the old patch before applying a new one.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Submitted by Dr. Rebecca St. Clair, Norfolk, VA<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">While acquainting myself with a new elderly patient, I asked,<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">&#8220;How long have you been bedridden?&#8221;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">After a look of complete confusion she answered&#8230;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">&#8220;Why, not for about twenty years \u2014 when my husband was alive.&#8221;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Submitted by Dr. Steven Swanson, Corvallis, OR<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">AND ONE MORE&#8230;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Baby&#8217;s First Doctor Visit<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">This made me laugh out loud.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">I hope it will give you a smile!<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">A woman and a baby were in the doctor&#8217;s examining room, waiting for the doctor to come in for the baby&#8217;s first exam.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">The doctor arrived, and examined the baby, checked his weight, and being a little concerned, asked if the baby was breast-fed or bottle-fed.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">&#8220;Breast-fed,&#8221; she replied&#8230;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">&#8220;Well, strip down to your waist,&#8221; the doctor ordered.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">She did. He pinched her nipples, pressed, kneaded, and rubbed both breasts for a while in a very professional and detailed examination.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Motioning to her to get dressed, the doctor said,<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">&#8220;No wonder this baby is underweight. You don&#8217;t have any milk.&#8221;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">&#8220;I know,&#8221; she said, &#8220;I&#8217;m his Grandma. But I&#8217;m glad I came.&#8221;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">\u00ad<img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-44274 alignleft\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/05\/Noel-Whittaker.jpg\" alt=\"Noel Whittaker\" width=\"200\" height=\"200\" \/><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">I hope you have enjoyed the latest edition of Noel News.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Thanks for all your kind comments. Please continue to send feedback through; it&#8217;s always appreciated and helps us to improve the newsletter.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">And don&#8217;t forget you&#8217;ll get more regular communications from me if you follow me on X &#8211; @NoelWhittaker.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">Noel Whittaker<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 16px; color: #000000;\">\u00ad<\/span><\/p>\n<p><span style=\"text-decoration: underline; color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/websitedesigns.com.au\/elankanew\/elanka-newsletter-sign-up\/\" target=\"_blank\" rel=\"noopener\"><strong><br \/>\n<span style=\"font-size: 18px;\">Click 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":"<p>\u00a0NOEL NEWS\u00a0 Special Bulletin The journey of a thousand miles\u00a0 begins with a single step. 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