{"id":52651,"date":"2020-11-14T06:43:57","date_gmt":"2020-11-14T06:43:57","guid":{"rendered":"https:\/\/websitedesigns.com.au\/elankanew\/?p=52651"},"modified":"2020-11-14T06:43:57","modified_gmt":"2020-11-14T06:43:57","slug":"noel-news-7","status":"publish","type":"post","link":"https:\/\/websitedesigns.com.au\/elankanew\/noel-news-7\/","title":{"rendered":"Noel News"},"content":{"rendered":"<h1 style=\"text-align: center;\"><span style=\"color: #3366ff;\">Noel News<\/span><\/h1>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; color: #000000;\"><em>Knowledge is the ultimate currency which can never be destroyed. It can be used over and over again without ever depleting its supply.<\/em><\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">GEORGE GILDER<\/span><\/p>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-52652 alignright\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/11\/Retirement-Made-Simple.png\" alt=\"Retirement Made Simple\" width=\"351\" height=\"332\" \/><\/p>\n<p style=\"font-weight: 400; text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Good morning,<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">First let me thank you for the magnificent support you have given my new book Retirement Made Simple. Despite not even arriving in most bookstores yet, sales have already exceeded 7,000 copies.<\/span><\/p>\n<p style=\"font-weight: 400; text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">The official launch date is Monday, 16<sup>th<\/sup>\u00a0November, which means a couple of very busy weeks coming up for me doing various media interviews. The feedback has been fantastic and it\u2019s on track to be an even more popular book than\u00a0<em>Making<\/em>\u00a0<em>Money Made Simple<\/em>.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">We did have some software glitches that caused a few orders to be lost. They have been fixed \u2013 but if you placed your order before October 31, and have not received your books yet please email me urgently at\u00a0\u00a0<a style=\"color: #000000;\" href=\"mailto:noel@noelwhittaker.com.au\">noel@noelwhittaker.com.au<\/a>\u00a0and we will chase it up.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Right now, the two most asked questions are:<\/span><\/p>\n<ul style=\"font-weight: 400;\">\n<li style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">What\u2019s my reaction to the election of Joe Biden as the US President?<\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">What is going to happen in a world where interest rates look like staying low for years to come?<\/span><\/li>\n<\/ul>\n<p><!--more--><\/p>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-52653 aligncenter\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/11\/noil-news.jpg\" alt=\"\" width=\"600\" height=\"338\" \/><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">There are no easy answers, but I have long believed that success requires you to follow some basic principles. A favourite of mine, as we face such uncertain times ahead, is that if you take care of the things you can control, you won\u2019t need to worry too much about the things you can\u2019t control. Let\u2019s face it, there is nothing you or I can do to affect the outcome of the American election.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">However, it\u2019s an odds-on bet that there will be a couple of months of euphoria, before reality sets in as the new government faces the challenges of skyrocketing debt, and the difficulty of combating coronavirus once it gets out of control. The change in government in America won\u2019t make much different to that \u2013 the gap between the haves and have-nots will continue to grow.<\/span><\/p>\n<h1 style=\"text-align: center;\"><span style=\"color: #000000;\">Interest Rates<\/span><\/h1>\n<p style=\"font-weight: 400; text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Last week the Reserve Bank acted dropped interest rates even further. To make matters worse for retirees, there are hints that the next move is more likely to be down not up. Consequently I have been receiving a flood of emails from readers asking where they could find the best bank interest rates on their deposits.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">There are two major issues here:<\/span><\/p>\n<ul style=\"font-weight: 400;\">\n<li style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">First, finding the best rates; and<\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Second, solving the problem of how to exist in a low in terest rate environment.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_52654\" aria-describedby=\"caption-attachment-52654\" style=\"width: 400px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-52654\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/11\/noel-news-400x400.jpg\" alt=\"\" width=\"400\" height=\"400\" \/><figcaption id=\"caption-attachment-52654\" class=\"wp-caption-text\">Interest Rate Shopping, Businesswoman shopping for a good interest rate percentage.<\/figcaption><\/figure>\n<p style=\"font-weight: 400; text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">To find the best rate I suggest you search online using websites such as Finder, Canstar and RateCity. At time of writing, the best I could find was 1.50% from Judo Bank for a three-year term, but keep in mind that rates change continually in the light of the banks cash position on the day. Furthermore, many so-called honeymoon rates may be good for six months, and then revert to the bank\u2019s normal rate.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">There may also be special conditions. Right now, my wife has an at call account with St George Bank which pays a face rate of 0.20% but which moves up to 0.70% provided she deposits at least $50 each month.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">But the bigger picture here is the role of cash in your portfolio. If you are extremely nervous, and have total financial assets of say $200,000, a difference of 0.5% is only worth $1,000 a year to you. That\u2019s not much in the scheme of things. And changing banks continually to grab an extra 0.5% is a mugs game \u2013 you will pay more than you save by incurring extra fees and possibly a loss of interest while funds are being cleared.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">If the sum is bigger, it is not prudent to keep your whole portfolio in cash. Let\u2019s face it \u2013 cash is the most expensive asset class you can own as it\u2019s selling at 100 times earnings.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">The obvious solution is to seek financial advice about a balanced portfolio, or simply do it yourself via an index fund such as Vanguard Australian Shares Index which currently has a yield of around 4.5%. The cream on the cake is that the yield is mostly franked so if you are retired with a tax-free income, you will get all the franking credits back. This would take an effective yield to close to over 6%. Full details are given in Retirement Made Simple.<\/span><\/p>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-52655 aligncenter\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/11\/noel-news-1.jpg\" alt=\"noel news\" width=\"600\" height=\"315\" \/><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">I appreciate that shares are volatile, but by definition an index cannot go broke, and the index fund should keep on paying the dividends irrespective of the normal ups and downs of the share price.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">And the great thing about shares is that you don\u2019t need to outlay a massive sum. Let\u2019s say you were rather risk averse, and your financial assets were $300,000 all in cash. You could simply leave $250,000 in cash, and put your toe in the water by investing $50,000 in an index fund. That huge cash buffer would give you heaps of time to ride out any falls in stock market, and the investment in the index fund would give you great experience with shares.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Of course, if you\u2019re on the pension and are asset tested, every $10,000 you spend returns the equivalent of 7.8% per annum via a reduction in assessable assets. So instead of chasing an extra 0.05% on your $200,000 cash portfolio, you could simply spend $15,000 on a trip, or home renovations, and get an immediate increase in your pension of $1,170 a year. That\u2019s much more fun than chasing a few more basis points on your term deposit.<\/span><\/p>\n<h1 style=\"text-align: center;\"><span style=\"color: #000000;\">Noel at the Morningstar Conference<\/span><\/h1>\n<p style=\"font-weight: 400; text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">I\u2019ve often thought about starting a podcast for all of you, but there always seems too much to fill the day without taking anything extra on. However, I did do a 40 minute session with Graham Hand at the Morningstar conference, and Morningstar have generously give me permission to include it in this newsletter. I do hope you enjoy it.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/WXZntU_uwY8\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h1 style=\"text-align: center;\"><a href=\"https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u=da9eb27efd0124961082a497a&amp;id=339912be75&amp;e=d75f854b0e\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u%3Dda9eb27efd0124961082a497a%26id%3D339912be75%26e%3Dd75f854b0e&amp;source=gmail&amp;ust=1605418299407000&amp;usg=AFQjCNFoZE1flezdJaEpugyYv2da71xy3A\"><span style=\"font-size: 20px; color: #000000;\">Retirement Made Simple<\/span><\/a><span style=\"font-size: 20px; color: #000000;\">\u00a0Ebook now Available<\/span><\/h1>\n<p style=\"font-weight: 400; text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Printed book sales of\u00a0<a style=\"color: #000000;\" href=\"https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u=da9eb27efd0124961082a497a&amp;id=668780a00a&amp;e=d75f854b0e\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u%3Dda9eb27efd0124961082a497a%26id%3D668780a00a%26e%3Dd75f854b0e&amp;source=gmail&amp;ust=1605418299407000&amp;usg=AFQjCNGHfgsjc4waPzTX79VgkJD8g9lvdw\">Retirement Made Simple<\/a>\u00a0have shown me just how much pent up demand there is for this clear and implementable guidance. Now the print book has been digitised, it\u2019s available on our\u00a0<a style=\"color: #000000;\" href=\"https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u=da9eb27efd0124961082a497a&amp;id=cbc53fff5f&amp;e=d75f854b0e\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u%3Dda9eb27efd0124961082a497a%26id%3Dcbc53fff5f%26e%3Dd75f854b0e&amp;source=gmail&amp;ust=1605418299407000&amp;usg=AFQjCNHX2iRTmSpIxSX3u8upMcdV8sNbuQ\">Ebook store<\/a>\u00a0for those of you who like all your knowledge in the palm of your hand.<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-52656 aligncenter\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/11\/Retirement-Made-Simple-2-600x373.png\" alt=\"\" width=\"600\" height=\"373\" \/><\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u=da9eb27efd0124961082a497a&amp;id=7345eec005&amp;e=d75f854b0e\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u%3Dda9eb27efd0124961082a497a%26id%3D7345eec005%26e%3Dd75f854b0e&amp;source=gmail&amp;ust=1605418299407000&amp;usg=AFQjCNFrdpvRPU5iiSzXpAP9NFES_fNQDg\"><span style=\"font-size: 20px;\">Click here for the Ebook version of Retirement Made Simple<\/span><\/a><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px;\">With the\u00a0<a href=\"https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u=da9eb27efd0124961082a497a&amp;id=63fb9b02be&amp;e=d75f854b0e\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u%3Dda9eb27efd0124961082a497a%26id%3D63fb9b02be%26e%3Dd75f854b0e&amp;source=gmail&amp;ust=1605418299407000&amp;usg=AFQjCNE1gBdyfHJM5iZ8-3HwDxesvH9xFg\">Beginner\u2019$ Guide to Wealth<\/a>\u00a0I wanted to help young people get started on their financial journey. With\u00a0<a href=\"https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u=da9eb27efd0124961082a497a&amp;id=3e9a281cca&amp;e=d75f854b0e\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u%3Dda9eb27efd0124961082a497a%26id%3D3e9a281cca%26e%3Dd75f854b0e&amp;source=gmail&amp;ust=1605418299407000&amp;usg=AFQjCNGaIAzzUdhZgYgyi8LnMoq_XgoLeQ\">Making Money Made Simple<\/a>, I\u2019m here to help you build, grow and protect your wealth during your most productive years. So\u00a0<a href=\"https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u=da9eb27efd0124961082a497a&amp;id=b13aee0284&amp;e=d75f854b0e\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u%3Dda9eb27efd0124961082a497a%26id%3Db13aee0284%26e%3Dd75f854b0e&amp;source=gmail&amp;ust=1605418299407000&amp;usg=AFQjCNH5WZbIDukQiA8znLN-KYyhqpV8RQ\">Retirement Made Simple<\/a>\u00a0is about this final and most significant chapter. The printed book is a weighty tome at 424 pages, so the eBook is a great way to have all your advice in a light, easy to read format that you can also search.<\/span><\/p>\n<h1 style=\"text-align: center;\"><span style=\"font-size: 28px; color: #000000;\">The Death Tax<\/span><\/h1>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong><span style=\"font-size: 20px;\">One of the most memorable things about the Queensland state election campaign has been Clive Palmer\u2019s full-sized advertisements warning \u201ca death tax could be Labor\u2019s plan.\u201d<\/span><\/strong><\/span><\/p>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-52657 aligncenter\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/11\/Retirement-Made-Simple-3.png\" alt=\"\" width=\"600\" height=\"345\" \/><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Apparently the advertisements did frighten a lot of people, so let\u2019s look at whether a death tax is likely in the near future.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Let\u2019s get real. Going to an election with a policy of bringing in death duties would be highly risky for any party. But there are situations already occurring in which a tax on death can occur.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">If you cast your mind back to the 2019 Federal election, Labor went to the voters with a proposal to abolish the refund of franking credits for everybody except age pensioners. At the time I wrote that this had the potential to be a tax on widows, because of the difference between the pension assets test cut-off points for a couple and a single. If a couple had assets of $700,000 and were receiving a pension of $13,700 a year between them, the survivor would lose their pension on their partner\u2019s death, because the cut-off point for a single pensioner is just $583,000.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Yes, under that proposal, the survivor would have lost the entire age pension, and their franking credits, as well their life partner. But the proposal sank like a stone at the polls.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">There are two other areas where death can create a tax situation. The first is superannuation \u2013 remember that the taxable portion of your superannuation currently suffers a death tax of 17% if left to a non-dependent. This may not be relevant to a couple, because a partner is automatically classed as a dependent under superannuation rules, but it has huge implications for a single person. In the normal course of events, by the time people pass away their children have long ceased to be dependents, so any superannuation they inherit is subject to this tax.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Of course, it is easy to avoid, as long as you have at least one trustworthy person you are close to. The person with the superannuation just needs to execute an Enduring Power of Attorney with instructions for the attorney to withdraw their superannuation tax-free and deposit it in the member\u2019s bank account if death becomes imminent.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">The other existing tax often associated with death is capital gains tax. In most cases death does not trigger CGT, it transfers the liability to the beneficiaries of the estate, who will be liable for CGT when they dispose of the asset.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Let\u2019s suppose your parents owned a bundle of CSL shares bought 10 years ago for just $10 each, and which are now worth over $300 each. If they died tomorrow and left those shares to you, you would be able to receive them free of CGT. But the moment you disposed of them, your CGT would be calculated from the original cost that the deceased paid for them, and you would be liable for CGT on any increase in value over that $10.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">So there are definitely situations where death can trigger a taxable event. Notice though, that all the examples above relate to Commonwealth legislation, which has nothing to do with what any state government may decide to do.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">But bringing in a death tax would not be easy. In the late 1970s Queensland Premier Sir Joh Bjelke-Petersen abolished death duties in Queensland, and this action was quickly followed by all the other states, as it would be impractical to have death duties in some states and not in others.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">And there is one more issue \u2013 you can\u2019t have death duties without imposing gift duty as well. Otherwise, people close to death would simply give their assets away to avoid a tax on the estate. Our tax system is continually under review, but I reckon that death duties will stay in the too hard basket for many years to come.<\/span><\/p>\n<h1 style=\"text-align: center;\"><span style=\"color: #000000;\">Health Matters<\/span><\/h1>\n<p style=\"font-weight: 400; text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">I have devoted the last 50 pages of\u00a0<a style=\"color: #000000;\" href=\"https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u=da9eb27efd0124961082a497a&amp;id=de47f72165&amp;e=d75f854b0e\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u%3Dda9eb27efd0124961082a497a%26id%3Dde47f72165%26e%3Dd75f854b0e&amp;source=gmail&amp;ust=1605418299407000&amp;usg=AFQjCNHTHZvh10lheYsCYzQbrd3v7ri0zw\"><em>Retirement Made Simple<\/em><\/a>\u00a0to ways we can live healthier, happier and longer. After all, good mental and physical health are our greatest assets, and research shows by nurturing these two aspects of our life we can improve it dramatically. In the book I mentioned Blue Zones which are areas in the world were people commonly live to 100 in good health.\u00a0<a style=\"color: #000000;\" href=\"https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u=da9eb27efd0124961082a497a&amp;id=0d26578669&amp;e=d75f854b0e\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/noelwhittaker.us7.list-manage.com\/track\/click?u%3Dda9eb27efd0124961082a497a%26id%3D0d26578669%26e%3Dd75f854b0e&amp;source=gmail&amp;ust=1605418299407000&amp;usg=AFQjCNF0IzwO0gNHtWz-aSDninJlidUYeA\">I recommended you subscribe to their free newsletter here.<\/a><\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Their latest newsletter talks about Marta Zaraska who has just released a book called\u00a0<em>Growing Young<\/em>. I have already ordered a copy from Booktopia. She has been studying health for years and has produced some remarkable figures about the way optimism and happy relationships can be good for your health. According to Zaraska, building a strong network of family and friends can lower mortality risk by around 45%. This is much more than exercise which can lower that risk by about 30%, and eating six servings of fruit and vegetables a day which can cut the risk of early death by 26%.<\/span><\/p>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-52658 aligncenter\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/11\/noel-news-3.jpg\" alt=\"\" width=\"600\" height=\"350\" \/><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">She points out that many people think that living to 100 means spending the last 20 years of your life in a frail state. But that\u2019s a common misunderstanding. Most super-centenarians escape disease until the very last three months of their life.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">She also writes about a town in Pennsylvania called Roseto that attracted attention in the 1960 because the population had much lower rates of cardiovascular disease than the rest of America. It turned out that what made them different was their very tight community of people. It was relationships that made the difference.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">She concludes by telling us that major drivers of longevity are kindness and volunteering. Volunteers have a 29% lower risk of high blood glucose, a 17% lower risk of high inflammation levels, and spend 38% fewer nights at hospital than people who shy away from involvements in philanthropic work.<\/span><\/p>\n<h1 style=\"text-align: center;\"><span style=\"color: #000000;\">And Finally<\/span><\/h1>\n<p style=\"font-weight: 400; text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Why was the fraction apprehensive about marrying the decimal?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">Because he would have to convert.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Why did the student get upset when his teacher called him average?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">It was a mean thing to say!<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Why was the math book depressed?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">It had a lot of problems.<\/span><\/p>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-52659 aligncenter\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/11\/noel-news-4.jpg\" alt=\"\" width=\"600\" height=\"343\" \/><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Why can you never trust a math teacher holding graphing paper?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">They must be plotting something.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Why was the equal sign so humble?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">Because she knew she wasn\u2019t greater than or less than anyone else.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">What do you call the number 7 and the number 3 when they go out on a date?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">The odd couple though 7 is in her prime.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">What do you call a number that can\u2019t stay in one place?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">A Roamin\u2019 numeral.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Did you hear the one about the statistician?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">Probably.<\/span><\/p>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-52660 aligncenter\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/11\/noel-news-5-467x400.jpg\" alt=\"\" width=\"467\" height=\"400\" \/><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">You\u2019ll do algebra, you\u2019ll do trigonometry, you\u2019ll even do statistics. Will you do graph?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">No, graphing is where I draw the line!<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Why should you never talk to Pi?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">Because she\u2019ll go on and on and on forever.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">You\u2019ll do algebra, you\u2019ll do trigonometry, you\u2019ll even do statistics. Will you do graph?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">No, graphing is where I draw the line!<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Why should you never talk to Pi?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">Because she\u2019ll go on and on and on forever.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Why are parallel lines so tragic if they have so much in common?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">It\u2019s a shame they\u2019ll never meet.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Are monsters good at math?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">Not unless you Count Dracula.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">What\u2019s the best way to flirt with a math teacher?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">Use acute angles.<\/span><\/p>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-52661 aligncenter\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/11\/noel-news-6.jpg\" alt=\"\" width=\"600\" height=\"343\" \/><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Did you hear about the mathematicians who are afraid of negative numbers?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">They\u2019d stop at nothing to avoid them.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">How do you stay warm in any room?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">Just huddle in the corner, where it\u2019s always 90 degrees.<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Why is six afraid of seven?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">Because seven eight &#8211; &#8220;ate&#8221;\u00a0 nine!<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Why DID seven eat nine?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">Because you\u2019re supposed to eat 3 squared meals a day!<\/span><\/p>\n<p><span style=\"font-size: 20px; color: #000000;\">Why does nobody talk to circles?<\/span><br \/>\n<span style=\"font-size: 20px; color: #000000;\">Because there is no starting point.<\/span><\/p>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-44274 alignleft\" src=\"https:\/\/websitedesigns.com.au\/elankanew\/wp-content\/uploads\/2020\/05\/Noel-Whittaker-302x400.jpg\" alt=\"Noel Whittaker\" width=\"302\" height=\"400\" \/><\/p>\n<p style=\"font-weight: 400; text-align: justify;\"><span style=\"font-size: 20px; 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: 20px; 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: 20px; color: #000000;\">And don&#8217;t forget you&#8217;ll get much more regular communications from me if you follow me on twitter &#8211; @NoelWhittaker.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 20px; color: #000000;\">Noel Whittaker<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Noel News Knowledge is the ultimate currency which can never be destroyed. It can be used over and over again without ever depleting its supply. GEORGE GILDER Good morning, First let me thank you for the magnificent support you have given my new book Retirement Made Simple. Despite not even arriving in most bookstores yet, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":52653,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"aside","meta":{"footnotes":""},"categories":[20],"tags":[30660,18893],"class_list":{"0":"post-52651","1":"post","2":"type-post","3":"status-publish","4":"format-aside","5":"has-post-thumbnail","7":"category-articles","8":"tag-george-gilder","9":"tag-noel-whittaker","10":"post_format-post-format-aside"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Noel News<\/title>\n<meta name=\"description\" content=\"Knowledge is the ultimate currency which can never be destroyed. 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