Dear All,

Since the last “reflect” life has continued to be very busy as we start to enjoy the fabulous sunny weather.

Kelly is in yet another show – South of Broadway – playing this weekend & next at Berowra – free tax return for all clients that attend!

As you all know I recently made it through to the semi finals of the female financial adviser of the year award, but alas that was to be as far as I was to go. Still a great achievement and I certainly learned a lot in the selection process. A huge thanks goes to all those kind enough to nominate me. We are now looking for testimonials for the website – so feel free to send them on in.

We have a new blog up and running which you can access here. If you have any tax or finance questions that you think others might be interested in, let me know and I’ll write them up. There is lots on there already.

I won another spring board diving competition – in the over 40’s ladies division – and have another competition in November, and during all this the dog was sick – very sick! It would appear that the ticks were also enjoying the recent sunny weather and unfortunately chose widget as a host. After 4 days at the vet and a bill over $2k he is back at home, apparently totally unaware of the upset caused, shaved and looking suspiciously like a grey hound, not the German shepherd he purports to be.

Luckily, as a person who likes to mitigate financial risk (as opposed to my attitude to trying to learn the reverse dive, where there is significant head whacking risk), puppy was insured, so no $ harm done. Yes in-case you are wondering, all the family are insured and yes the 10 year old already has a superfund!

Continuing on the theme of keeping financial risks low, on the low risk investment side, the Flexi 100 December offering is now open. This is a twice a year opportunity to take a punt on the market being higher in either two and a half or five and a half years time (your choice) than it is now. If the market goes up you take the profit, if the market goes down you walk away. Honestly, that simple no need for credit checks or for you to arrange a loans – it’s all done for you. If you are interested then please get in touch to discuss further – applications close 23rd November.

For those that are happier investing without protection for downside risk, check out the returns on our recommended direct share dividend yield portfolio which have just published a result for the year of 26%. Of course this may never be repeated, and the value of investments can go down as well as up, but this is a great professionally managed direct share investment (ie not units in a fund) option available to all (minimum $20k). Just call to discuss.

New things in the newsletter this month include the difference between a SMSF and a SAF, moving overseas and the CGT small business exemptions. Click here with a cup of tea to enjoy.

So there we have it – rather a long one this month, but there is so much to tell you all.

Please feel free to forward to family and friends, and call me if you want to discuss any of these further. 02 8090 4112 or 07 3103 0771.