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If you use '+' in front of a word, then that word will be present in the search results.
ex: Harry +Potter will return results with the word 'Potter'.
If you use '-' in front of a word, then that word will be absent in the search results.
ex: Harry -Potter will return results without the word 'Potter'.
If you use 'AND' between two words, then both of those words will be present in the search results.
ex: Harry AND Potter will return results with both 'Harry' and 'Potter'.
If you use 'OR' between two words, then bth of those words may or may not be present in the search results.
ex: Harry OR Potter will return results with just 'Harry', results with just 'Potter' and results with both 'Harry' and 'Potter'.
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ex: Harry NOT Potter will return results without the word 'Potter'.
Placing '""' around words will perform a phrase search. The search results will contain those words in that order.
ex: "Harry Potter" will return any results with 'Harry Potter' in them, but not 'Potter Harry'.
Using '*' in a word will perform a wildcard search. The '*' signifies any number of characters. Searches can not start with a wildcard.
ex: Pot*er will return results with words starting with 'Pot' and ending in 'er'. In this case, 'Potter' will be a match.
The fastest growing demographic in Australia are retirees, with the number of people over 75 expected to double within 10 years. Retirement is often touted as a worry-free time - but it's also a time full of unique challenges.
First is the money issue - will there be enough money for a successful retirement, and what assets should you invest in. The rules regarding the age pension are continually changing - what do you need to do to maximise it. Next is superannuation, an ever-changing landscape where the performance of your fund depends on the assets you choose. A major issue is estate planning - what is the best way to handle the disposal of your assets in a tax effective way, and avoid the 17% death tax on the taxable component of your superannuation. Rising life expectancies mean the possibility of new relationships between retirement and death, but it also means one partner may suffer from dementia with all that entails. Of course, there's also the possibility of home care, and friction between siblings. Another major issue is whether you stay in the family home or downsize to another property, or even go to a retirement community.
This updated edition of Retirement Made Simple includes the major superannuation and pension changes due to take affect from July 2022; such as people up to age 75 can contribute to superannuation, people who downsize can make special downsize contributions from age 55 instead of 65, eligibility for the Commonwealth seniors health card has changed making more retirees eligible.
These are just a few of the major issues covered in Retirement Made Simple - by acclaimed financial expert Noel Whittaker, who has been writing about these issues for more than 35 years
Another gem from Australia's most trusted personal finance author. An excellent, no-nonsense guide to taking control of your future - Stephen Miles, Investment Editor, Sydney Morning Herald, The Age
Noel's greatest gift is his ability to explain complex matters in everyday terms - Des Houghton, former editor, Sunday Mail
This book fills a big gap - seniors need all the financial literacy they can get, and now more than ever - Ian Henschke, National Seniors Australia
Noel Whittaker has a rare ability to translate complex matters into plain English. This book is a must read for anybody who is retired or planning for it. - Anthony Deceglie, Editor, Sunday Times