At its meeting today, the Board decided to leave the cash rate unchanged at 3.0 per cent.
Global growth is forecast to be a little below average for a time, but the downside risks appear to have lessened over recent months. The United States is experiencing a moderate expansion and financial strains in Europe are considerably reduced compared with the situation through much of last year. Growth in China has stabilised at a fairly robust pace. Around Asia generally, growth was dampened by the earlier slowing in China and the weakness in Europe, but again there are signs of stabilisation. Commodity prices are little changed recently, at reasonably high levels.
Sentiment in financial markets is much improved compared with the middle of last year. Risk spreads have narrowed and funding conditions for financial institutions are more favourable. Long-term interest rates faced by highly rated sovereigns, including Australia, remain at exceptionally low levels. Borrowing conditions for large corporations are very attractive. Share prices have risen substantially from their low points. However, the task of putting private and public finances on sustainable paths in several major countries is far from complete. Accordingly, as seen most recently in Europe, financial markets remain vulnerable to occasional setbacks.
In Australia, most indicators available for this meeting suggest that growth was close to trend over 2012, led by very large increases in capital spending in the resources sector, while some other sectors experienced weaker conditions. Looking ahead, the peak in resource investment is approaching. As it does, there will be more scope for some other areas of demand to strengthen.
Present indications are that moderate growth in private consumption spending is occurring, though a return to the very strong growth of some years ago is unlikely. The near-term outlook for non-residential building investment, and investment generally outside the resources sector, is relatively subdued, though recent data suggest some prospect of a modest increase during next financial year. Dwelling investment appears to be slowly increasing, with higher dwelling prices and rental yields. Exports of natural resources have been strengthening, though recent bad weather is affecting some shipments at present. Public spending, in contrast, is forecast to be constrained.
Inflation is consistent with the medium-term target, with both headline CPI and underlying measures at around 2¼ per cent on the latest reading. Looking ahead, with the labour market softening somewhat and unemployment edging higher, conditions are working to contain pressure on labour costs, as was confirmed in the most recent data. Moreover, businesses are focusing on lifting efficiency under conditions of moderate demand growth. These trends should help to keep inflation low, even as the effects on prices of the earlier exchange rate appreciation wane. The Bank's assessment remains that inflation will be consistent with the target over the next one to two years.
During 2012, there was a significant easing in monetary policy. Though the full impact of this will still take more time to become apparent, there are signs that the easier conditions are having some of the expected effects. On the other hand, the exchange rate remains higher than might have been expected, given the observed decline in export prices, and the demand for credit is low, as some households and firms continue to seek lower debt levels.
The Board's view is that with inflation likely to be consistent with the target, and with growth likely to be a little below trend over the coming year, an accommodative stance of monetary policy is appropriate. The inflation outlook, as assessed at present, would afford scope to ease policy further, should that be necessary to support demand. At today's meeting, taking into account the flow of recent information and noting that there had been a substantial easing of policy as a result of previous decisions, the Board judged that it was prudent to leave the cash rate unchanged. The Board will continue to assess the outlook and adjust policy as needed to foster sustainable growth in demand and inflation outcomes consistent with the target over time.

Seasons Greetings Save up to 20% off your Electricity bill  simply by changing suppliers.   RaboDirect Term Deposit, Up to 6.20% p.a. Multiple fixed terms to suit you. Min balance $1000 - $1m.   Westpac Low Rate,   0% for first 6 months then  13.49% Purchase rate,   $45 Annual fee,    Balance transfer rate 0% for 6 months,  Cash Advance rate 21.49%   Samsung Galaxy Ace from iPrimus No Worries 39 Plan,  includes $700 calls per month,  Unlimited SMS and MMS 2GB,  Cost per month $39        Where Are We Now TOBEINFRONT is continuing to provide a point of reference for individuals, families and business to achieve savings wherever possible. We update our site several times a day to ensure that you have the most up to date information and we keep searching, searching, searching for the best deals possible.  You may have noticed some changes to the major landing pages. We hope this makes it easier for you to see what you are looking for quicker. If you see that we are missing an opportunity to share even better deals please let us know.  Our Service is FREE and this is our gift to you What have we got for you? Well actually, it’s the holiday season for all. We have planned to ensure the experience is not negated by the cost and effort required to make it all happen.   Step one: Insurances Make sure all your life, household and motor vehicleinsurances are covered before you leave if they are falling due over the next two months. Jump on thetravel insurance page for all cover needed whilst holidaying ie   That wasn’t so hard was it? Now, lets go through the rest of the list. Step two: Money Check your credit card balances, credit available and costs such as interest rates etc. Now jump on the Credit Card page and COMPARE! Make these changes early so you can take advantage of potential savings and having emergency funds available in case of difficulties whilst on holidays. Also take the time to check your savings and debit accounts are working as well as they possibly can for you. Make any changes now to ensure you have several methods of accessing your hard earned cash whilst you are away from your normal services. Also take the time to set your savings schedule in place for the next 12 months. To quote Mr Banks from Mary Poppins “Tuppence patiently, cautiously trustingly invested in the …” Step three: Gifts Select your Christmas and holiday gifts with care! Always make sure you know exactly what the package will contain when it is opened ie batteries and activate phone plans before gifting if possible! Be aware of gift voucher expiry dates and exchange conditions. Order early to allow lots of time for delivery and forwarding to those not with you on that special day. Don’t forget all our sites that have beautiful gift baskets and wonderful wines for the ones you love.  And best of all …. Step four: Your TRAVEL!   TRAVEL SAFE, PLAY SAFE, CONSIDER THE ENVIRONMENT AND MOST OF ALL BE HAPPY! We need you help to tell your friends and family about TOBEINFRONT  Pass this newsletter on to as many of your friends and family as you like, it will save them time and save them money! Follow us on our Blog, Facebook, Twitter and YouTube for up to date ideas and specials from the team at TOBEINFRONT.

Apartment living is becoming a popular lifestyle for Australians looking for affordable property, but there are costs and considerations you may not be aware of...

As lifestyles have changed and affordability has become more of a challenge, apartments have become increasingly popular - the 'great Australian dream' may no longer be a big house on a big block.

And you only need to look at the data to see the price difference. According to the August RP Data-Rismark Daily Home Value Index, while the median Australian house price is $595,000 the median unit price is $480,000 – a difference of more than $115,000*.

Apartment living offers many benefits – as well as a generally smaller price tag – and for the time-poor, having to do less maintenance than would be required for a house, would be close to top of the list.

Meanwhile, units may offer investors a better investment yield than a house, with generally lower purchase prices and currently strong rental amounts. 
According to research by RP Data, units are a more popular choice for investment than houses. Their data show that nationally, 58 per cent of units are investor-owned, compared to 21 per cent of houses*.

Don't, however, let the lower price tag blind you to other important considerations, such as ongoing costs for which you may not have budgeted.

When purchasing an apartment there are the added considerations of strata titles and body corporates.
With strata title, you also become a joint-owner of the common property of the complex which is an important factor to consider, as it may impact your ability to renovate or alter the property.

You may also be obliged to contribute to body corporate fees. The body corporate makes many important decisions –including those around major capital expenditure – so you should ask to review the minutes of previous meetings to get a sense of what the executive is like.

Are they likely to oversee the upkeep of the property responsibly? Are there a lot of expenses on the horizon?

Also, while the price tag might be cheaper, getting a loan may not be as easy as for a house (although it obviously depends on how much you can put down as a deposit). This is because some lenders prefer houses – and are more likely to approve a loan – because of the added security of land value.

* RP Data-Rismark Hedonic Index July 2012, published 1 August 2012 http://blog.rpdata.com/2012/07/what-makes-forthe- more-popular-investment-units-or-houses/

Residential property can be a great investment selection – but you need to buy well in order to secure the best return.
Property is widely considered a great investment and a powerful wealth creation strategy. But as with anything in life, there are no guarantees.
Yet if you back yourself with the power of knowledge and employ the right nvestment strategy, there is no reason why property investment can't be a powerful wealth creation strategy for you and your family.
If property investment is on the horizon for you, try to keep the following tips in mind, and you'll be well on track to securing yourself a great investment.

Know your limits

A core function of the Bank is to issue secure banknotes. Australia has one of the safest and most secure currencies in the world. It has experienced relatively low levels of counterfeiting for many years. To ensure that this remains the case, the Bank continually researches new anti-counterfeit technologies and developments in banknote design. In addition, over recent years, the Bank has had in place a program to upgrade the security of Australia's banknotes.

The upgraded banknotes will incorporate a number of new features that will mean Australia's banknotes will remain secure into the future. The banknotes will retain many of the key design elements of the current banknote series, such as the colour, size and portraits, but some design changes will be necessary to accommodate the new security features. 

Considerable work has already been undertaken on this project, including the development and review of banknote designs and production trials of new security features. But it is important that the new features are rigorously tested, durable and effectively incorporated into the banknote designs. The Bank will also consult extensively with relevant stakeholders to ensure that Australia's banknotes continue to meet community needs. As such, it is anticipated that it will be several years before the first of the upgraded banknotes will be issued.

Further details will be announced as they become available. Courtesy of Reserve Bank of Australia.

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THE NSW Treasurer, Mike Baird, is proposing a dramatic lowering of the GST-free threshold for goods bought online from overseas retailers in a move that would raise hundreds of millions of dollars in extra tax.

Mr Baird wants the Commonwealth to look at cutting the threshold from $1000 to about $30 to capture millions more transactions in the GST net and bring Australia into line with countries such as Britain.

The move, which was a recommendation of the Productivity Commission report into retailing last year, would add 10 per cent to most international online purchases.

But the trade-off is that it could help pave the way for the abolition of stamp duty on housing and other taxes by replacing the revenue that would otherwise be lost by the states.

The Productivity Commission raised concerns that lowering the threshold would not be cost effective because the expense of having Customs police a lower threshold would outweigh the tax benefit. But Mr Baird said predictions of a surge in online retailing in the next few years meant the point at which revenue would exceed costs was likely to be close.

''It's clear that the GST base is growing less than anticipated and the government needs to look at all options to replace revenue that is essential to deliver services and the building of infrastructure,'' he said.

''It's time that we seriously consider online retailing because it is growing exponentially and means that our domestic retailers aren't competing on a level playing field.''

The commission report estimated that about 2 per cent of all retail sales, worth about $4.2 billion, were from overseas online retailers. About 77 per cent of those were worth less than $100.

The report quoted market analysts who predicted online retailing would grow by between 10 and 15 per cent a year.

The NSW budget papers estimate the stamp duty revenue from housing at $4.5 billion this financial year, rising to $5.8 billion in 2015-16.

Mr Baird said there was ''more work to do'' to determine potential administration costs and the exact amount of revenue that might be raised by the change. But he would be putting it to state treasurers to consider as part of the state tax reform process,'' he told the Herald.

In Britain, value added tax is payable on most online purchases worth more than £18 ($28). In Canada the threshold is $C20 ($19) and in the US it is $US200 ($187).

Mr Baird and the South Australian Treasurer, Jack Snelling, were asked by the federal Treasurer, Wayne Swan, to devise a plan and timetable for the abolition of state taxes such as stamp duty by the end of the year. Mr Swan has ruled out increasing the GST as a means of replacing lost revenue to the states.

Mr Baird has previously proposed that the Commonwealth quarantine a proportion of income or excise tax for the states.

In response to the commission's recommendation, the federal government established a taskforce to investigate new approaches to the handling of low-value imported goods.

The taskforce's report, released yesterday, recommended the creation of ''simplified GST assessment arrangements'' for imports worth less than $1000.

It says a steering committee consisting of senior representatives from agencies such as the Customs and Border Protection Service, the Tax Office, Australia Post, bio-security authorities and the states and territories would be required to oversee the development and implementation of the new processes.

The report estimated that at a threshold of $100 it would cost about $15 per item to collect $22 in GST. By 2018, as volumes increased, the cost per item would fall to below $14 and the GST collected would rise to almost $23.

The chief executive of the Australian National Retailers Association, Margy Osmond, said the report ''states a clear case for change'' and called on the federal government to ''act quickly''.

"This modelling shows a cut will raise significant revenue … which could earn both state and federal governments millions of dollars in additional money'' .

Courtesy SMH

 

Around one in seven Australian phone and internet users has difficulty paying their telco bills with unexpectedly high costs a key cause.

Research carried out for the Australian Communications and Media Authority (ACMA) found 14 per cent of telco users had difficulty paying a bill in the year to May 2012.

Of those, 47 per cent reported that so called bill shock - receiving an unexpectedly high bill - was one of the main reasons for their difficulty paying. Only 16 per cent nominated financial difficulties such as poor budgeting and low income as reasons.

ACMA chairman Chris Chapman says the findings, released on Wednesday, support his agency's insistence that telcos must provide effective management tools such as alerts when customers are reaching data limits.

The findings also supported ACMA's focus on financial hardship provisions of the new Telecommunications Consumer Protection Code, Mr Chapman said in a statement.

Under the code, which came into effect on Saturday, telcos must have a financial hardship policy that includes a bills reminder.

Most consumers (69 per cent) were not offered advice about avoiding bill shock or payment difficulties in the future.

The study found that only one quarter of respondents who experienced bill shock or had difficulty paying bills were aware of spend management tools available to them, such as online usage meters and SMS alerts.

The study of 2400 telco users by Roy Morgan Research found that around two thirds of customers who contacted their telco with complaints about their bills were happy with the outcome.

ACMA given new powers to protect web users

Meanwhile, the federal government has given Australia's communications watchdog the power to quickly slap new rules on telcos if they fail to protect phone and internet users.

Broadband and Communications Minister Stephen Conroy on Wednesday said the new powers of the Australian Communications and Media Authority (ACMA) were a clear signal to telcos that measurable improvements to customers were expected.

He told the Australian Communications Consumer Action Network (ACCAN) conference in Sydney that the new measures were not a replacement for the new Telecommunications Consumer Protection (TCP) code.

But they would give the ACMA the flexibility to introduce consumer protection measures such as new rules on advertising, customer internet and phone usage alerts and complaint handling, the senator said.

"I still expect the industry to take primary responsibility for achieving the outcomes we all seek for consumers."

Senator Conroy said the aim was to achieve significantly better and measurable outcomes for consumers and a big reduction in complaints to telcos about their services.

He praised ACCAN for its successful consumer advocacy and announced a new five-year funding plan of more than $2 million a year to ensure consumers continued to have a strong voice in the telco sector.

AAP Courtesy SMH

The Prime Minister has called on state governments to rein in electricity price rises.
Julia Gillard has told the Energy Policy Institute in Sydney that states, including Queensland and New South Wales, are benefiting by increasing the cost of electricity.
Ms Gillard is calling on the states to reform energy markets, saying the price hikes of the past four years cannot continue.
She says electricity costs cannot continue to rise at the levels they have over the past four years.
"[There have been] 50 per cent price increases in many states over four years, linked to demonstrable inefficiencies in resource allocation in the market.
"Or in this state, New South Wales, nearly 70 per cent increases."
The Prime Minister says pensioners, the aged and the sick are feeling the most pressure from the price hikes.
Federal Opposition energy spokesman Ian Macfarlane says it provides an argument for privatisation.
"Whether [it] involves state governments running these things more efficiently, or whether it involves private companies also being involved or providing competition for state governments, that's an issue for the state governments to resolve," he said.
"The reality is where we have private companies running transmission networks such as in Victoria, electricity transmission prices are lower."

Greens leader Christine Milne has called for a Senate inquiry into the energy sector and has supported the Prime Minister's push to lower electricity prices.
"I think we must get on to this quickly," she said.
"One thing is about pricing pollution, but at least half of the power bill increase is coming from gold plating of the transmission system, which is being passed through to consumers and we've got to fix it."

States react


Queensland's Energy Minister Mark McArdle says his government is already taking action to review the electricity industry.
"I cannot believe that after almost five years in government, the Prime Minister suddenly decides she must act to do something when she should've acted years ago," he said.
"If it is the matter of the states being at fault, why didn't she challenge Anna Bligh when she was premier. For all those years she sat back and did nothing."
He said the Prime Minister is trying to blame "everybody else for her mistakes".
"The carbon tax is biting," he said.
"It is hurting Labor federally and she's trying to fight back by blaming everybody else for her mistakes. You cannot sit in the seat of power for five years and do nothing and then suddenly everybody else is at fault. It's a sham and it's a travesty."

Earlier, the NSW Government went on the defensive in preparation for the Prime Minister's address, saying the carbon tax had been the single biggest factor behind recent rises. "If the Prime Minister wants to help battling families ... then the remedy is in her hands; repeal the carbon tax," NSW Energy Minister Chris Hartcher said.

The Independent Pricing and Regulatory Tribunal (IPART) takes various factors into account in determining power prices.
Mr Hartcher says it alone determines what a fair price would be.
"[IPART] has determined the prices for the average family - two adults, two children - in this state will rise by $315 per year simply because of the Federal Government's carbon tax," he said.

The Tasmanian and Victorian state governments say they are already acting on power hikes.
Victorian Premier Ted Baillieu said his government stopped getting dividends from electricity companies when the market was privatised.
"I was staggered at the last COAG meeting, where the Commonwealth and some of the Labor states said there wasn't an issue with construction costs," he said.
"In the very next breath, they started complaining about the cost of building new poles and wires for the electricity market, because it was contributing to increased costs, and that's the very point."

But Ms Gillard says the carbon tax is not to blame for the level of recent price rises.
"While we were developing and delivering the clean energy future package and putting a price on pollution, something else was happening at the same time," she said.
"Carbon price excluded, the average electricity bill went up by at least 48 per cent in the last four years."

Mr Hartcher says the NSW Government is prepared to work with the Commonwealth on any reasonable scheme to reduce consumer costs.

DID YOU KNOW THAT WE DON’T CHARGE ANY FEES. A NEW YEAR NEWSLETTER   Save up to 20% off your Electricity bill  simply by changing suppliers.     RaboDirect Term Deposit, Up to 5.80% p.a. Multiple fixed terms to suit you. Min balance $1000 - $1m.   Westpac Low Rate,   0% for first 6 months then  13.49% Purchase rate,   $45 Annual fee,    Balance transfer rate 0% for 6 months,  Cash Advance rate 21.49%     Samsung Galaxy Ace from iPrimus No Worries 39 Plan,  includes $700 calls per month,  Unlimited SMS and MMS 2GB,  Cost per month $39          BLOGS, FACEBOOK, TWITTER and YOUTUBE we have them all covered. Just click and follow for up to date savings.  ABOUT US TOBEINFRONT is a family run business that was born out of sheer frustration at not getting up to date information. Both Managing Directors are devoted family people who want to assist others in understanding how to get the best product. We are not owned by a multi-national we are simply two ordinary Australians who decided that enough is enough. We update our site several times a day to ensure that you have the most up to date information. Our service is FREE. We obtain payment from the company that supplies the product but only after you have completed the transaction.   ELECTRICITY BILL SAVINGS Electricity prices increased recently however did you know that you could SAVE simply by switching suppliers? It sounds too good to be true, however if you switch the savings are available. Recent campaigns by the media organisations are offering a 10-12% discount, but we believe that in most cases we can offer savings in excess of this to our customers. Use our easy to use calculator  to see what you can SAVE. No gimmicks just a simple online calculator that you can use to see the savings and then switch. It takes only a minute or two and it’s finished. Watch as the savings start. Simply go to our easy to use energy comparison page and see how much you can save. SAVINGS ACCOUNTS Over the past 6 months interest rates on simple savings accounts have declined dramatically. How do you find the highest rate for your savings? Well we at TOBEINFRONT have located what we think are the best savings rates in Australia. You get to choose not only the rate, term and financial institution in one place without scrolling through pages of useless information on each finance website. Join the revolution and start achieving the best results for your savings today. We have also recently added some new suppliers to ensure that you obtain the most up to date rates available. HOME LOANS Did you know that only 43% of borrowers use a mortgage broker! Why not let a local Mortgage broker look after your Home Loan? It's FREE! At TOBEINFRONT we have over 200 Mortgage brokers Australia wide ready to look after your needs. These brokers are living in your local area, they know your local area and importantly they know lenders. They are able to find a lender who fits our needs not theirs. With over 23 lenders offering hundreds of loans you are able to get the loan that best suits your current needs. We offer all types of loans including Land, Home and Land, Construction, Refinance, Purchase or Investment.          INSURANCE A necessary evil or a necessity? This question is not easy to answer. Over the years if you are like us we have paid thousands to insurance companies not knowing if ever we would claim. Well that day did arrive and YES we lodged a claim under our Motor Vehicle insurance after a small accident. No injuries just damaged pride. What we thought would be around $400 to repair eventually amounted to $4839. A necessity YES.  At TOBEINFRONT we are able to offer Motor, Household, Travel and Life insurance. Used by us over the years with no problems just peace of mind.        MOBILE PHONES At TOBEINFRONT we have some great mobile phone plans in our easy to read comparison page. Buy the phone, plan or any combination by using a simple click of the mouse.  Follow us on our Blog, Facebook, Twitter and YouTube for up to date ideas and specials from the team at TOBEINFRONT. We need you help to tell your friends and family aboutTOBEINFRONT. Pass this newsletter on to as many of your friends and family as you like, it would be appreciated.

TOBEINFRONT's Managing Director, Roger McKenna likes to read. He recently came across this article and decided to place it on our Blog so that all our customers can also see the five secrets of Financial success.

This article is great if you want some easy  This is going to be uncomfortable reading if you are looking for a quick fix, an easy way out, or an antidote to the interminable market mayhem.

There isn't one.

What there are, however, are smart techniques that, when consistently applied, deliver long-term payoffs - hopefully, large enough to achieve your dreams - each and every time.

Secret 1: What's right for you is not right for the person beside you. The biggest secret of successful investing is to ignore the hot tips and helpful hints you might hear from friends, family and even the media, and chart your own course. Your investment decisions need, first and foremost, to be about your investment time frame, your age, your risk appetite (read willingness to lose your money) and your reasons for investing - the early retirement, the boat, the trip to Antarctica.

Once you have a clear picture of those things, you can set about dividing your money into appropriate portions across a range of assets along the risk continuum; assets that we cover in the pages of this section regularly. Only if you determine you really are risk-averse should you invest wholly for capital stability and income. And only if you're happy for your funds to go backwards should you invest heavily in the ''next big thing''.

Secret 2: We all make bad decisions, and when it comes to money and the emotion associated with it, that's doubly so. Once you have split your portfolio among the asset classes (then split it further among a big enough selection of top investments within those assets), you need to do your best to leave it there. Not necessarily in particular investments, but definitely in the assets.

You need to get a grip on your fear and greed so you are not panicked into selling at the bottom or lured into buying at the top. These are the perennial errors retail investors make and why their returns are often sub-par. The fascinating discipline of investor psychology explains that reasoning is often clouded, for example, by vanity - we hold on to losing stocks longer than we should in the hope we will be proved right. Be aware that hindsight bias also causes us to place greater weight on recent past performance than on trends and long-term returns. Even volatility of the magnitude we've seen lately will appear relatively small if you chart the market's long-term performance.

Secret 3: Unsexy, yes, but successful? Just about every time, regular and early saving is your ticket to future wealth.

Let's say you manage to stash away $100 a month from age 30 - that's probably the equivalent of cutting out one coffee or sweet treat a day - and earn a pretty realistic 6 per cent average return on it. By 55, you'll have more than $70,000. Better still, what you have actually squirrelled away represents less than half that figure - most is earnings during that time. But wait 10 years before you start and to reach the same balance, you'll need to save $240 a month. You'll have to save $43,000 of your ultimate $70,000 yourself.

Procrastinate another decade and you'll need to find a painful $1000 a month to total $60,000 of your $70,000. The sooner you start, the easier building wealth is. And the less you have to rely on big returns - and the extra risks they entail - to get you across the line.

Secret 4: Debt is quicksand and one of the best money moves you'll make is to get rid of the personal stuff. That means credit cards, personal loans and mortgages - anything for which you don't earn tax deductions. This is a tax-free, risk-free effective return equal to your interest rate, which - on even the cheapest form of debt, your mortgage - will be higher than you can earn in a savings account. If you are on the top tax rate, you would need to earn about 11 per cent on an investment for that to be a smarter strategy than simply paying down your mortgage (based on a 7 per cent variable rate).

Secret 5: You've got to be in it to win it. There is a real danger right now that investors who have been burnt the most in the market downturn of the past five years will struggle the hardest to rebuild balances.

This will happen if they become too risk-averse and shelter too much money in low-risk, low-return investments to preserve what's left. Sure, every portfolio needs this component to anchor returns. But after inflation and tax, it can be very unrewarding indeed. (And some ''safe haven'' bonds actually carry heightened risk right now. Demand has pushed prices sky-high, so investors might actually lose money on them.)

Unless your dreams are very tame, you will need growth assets such as shares and property to achieve them.

Nicole Pedersen-McKinnon is the editor of Smart Investor magazine, afrsmartinvestor.com. Twitter @NicolePedMcK.

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