Noel News A credit card is an anaesthetic which simply delays the pain. HELEN MASON Welcome to our last newsletter of 2023 It’s been another eventful year with no progress with the war in Ukraine and the unexpected attack by Hamas on Israel. I don’t think either of these battles will end soon. Next year’s presidential election in the United States will further complicate matters. The good news in Australia is that the interest rate cycle is getting very close to the top, with some economists even predicting a drop in rates within 18 months. I doubt that will happen, but I do think we won’t see many more rises. Keep in mind that the Albanese government is about 18 months from an election, so expect the May 2024 budget to have more sweeteners than nasties. The controversial topic is the personal tax cuts that have been legislated to take ...