Patricia Howard

The No-Regrets Newsletter

Welcome to the July 2022 edition of the new, bigger, better version of my monthly newsletter. Simply click on the view-online button above to read the following articles in full or visit https://patricia-howard-financial-planning.ghost.io/ Economic Update So, for two years, during the pandemic, the Australian economy appeared to

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The Share Market: Where to next?

Why you should put your savings into super

Significant changes to the superannuation contribution rules, which come into effect from July 1, means anyone who is still under 75 and is retired, should start looking at moving any spare cash they might have into super. The reason for this is that once the funds are in super and

Silver splitters hit the headlines again

Sadly, the issue of so-called 'silver splitters' hit the headlines again this month, with the sad news media baron Rupert Murdoch and his fourth wife, Jerry Hall appear to have decided to divorce. Statistics show people entering divorce are gradually getting older and have been married longer with

Proposed Work Bonus increase should be fully supported

The Opposition leader, Peter Dutton, has raised the prospect that the Work Bonus should be doubled from its current level of $300 per fortnight or $7,800 a year to $15,600 a year. While it was promptly dismissed by the Federal Government as costing too much, this is a

Economic Update

So, for two years, during the pandemic, the Australian economy appeared to be performing well, particularly compared to our trading partners, and yet suddenly, everything seems to have turned upside down. Economist across the country appear to be talking only doom and gloom with many forecasting inflation will continue to

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Looking beyond the investment horizon

The No-Regrets Retirement Newsletter

Welcome to the June 2022 edition of the new, bigger, better version of my monthly newsletter. Simply click on the view-online button above to read the following articles in full or visit https://patricia-howard-financial-planning.ghost.io/ Economic Update Inflationary pressures were up and now appear to be easing. Interest rates

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The Golden Rule Of Investing

The Banks' Big Payout

Something that was almost overlooked by the media in recent weeks, is the fact the three big banks, ANZ, Nab and Westpac, all reported their half yearly profits this month with the CBA doing so a few weeks earlier. So, with interest rates on the rise, inflation hitting a record

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Another Reason to Close Your Self-Managed Super Fund

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Woodside Update

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Creating the Right Mindset in Retirement

Economic Update

How quickly economics can change. At year start, the Australian economy appeared to have dodged a bullet. It survived the pandemic relatively untouched, had record low interest rates and with it, record low levels of unemployment. Then, seemingly out of nowhere, inflationary pressures erupted in the US economy, breaching an

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Will you run out of money in retirement?

Why the economy is suddenly all about interest rates

While Australia has been enjoying record low interest rates for some years, the sudden jump of the annual inflation rate to 5.1 per cent this month, has ignited fears of a sudden interest rate hike. This is because the inflation rate, or how quickly prices are increasing, is a

Time is running out to close your SMSF

Procrastination is the biggest enemy to building wealth and this has never been truer then when putting off closing that expensive, time-consuming self-managed super fund that you are sick of owning. While there are many good reasons for establishing a self-managed super fund, particularly if you are self employed, these

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Lithium: The gold of the 21st Century?

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Paying tax in retirement: think again!

The No-Regrets Retirement Newsletter

Welcome to the April 2022 edition of new, bigger, better version of my monthly newsletter. Simply click on the view-online button above to read the following articles in full or visit https://patricia-howard-financial-planning.ghost.io/ Economic Update The Federal Government's 2022 budget provided an interesting insight to the

Economic Update

The Federal Government's 2022 budget provided an interesting insight to the strength of the domestic economy and the Government's efforts to further boost long-term efficiencies. Basically, the economy has not just bounced back from the impact of the pandemic, it has bolted back! Economic growth is

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A Beginners Guide to Cryptocurrency

Record high pension increases!

The Federal Government has lifted the aged pension rates by $20.10 to $ 987.60 a fortnight for single pensioners and by $30.20 to $1488.80 a fortnight for couple pensioner. This is the largest increase since 2013. Both amounts will be further boosted by the minimum pension supplements

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Is the Retirement Income Covenant A Pact with the Devil or with God?

Could you be saving big time?

Following on from my post last month about the various pension cards that are available to older Australians, one of my clients pointed out a very good tip during the week. The Seniors Card is available to all Australian's age over 60 and working less than 35 hours