Edition No. 13 | 08 November 2013

Spring/Summer eNewsletter

We are coming to the end of another busy year. 2013 was certainly eventful with some of the lowest interest rates on record; the standoff in the US Congress that almost completely shutdown the US government; and, of course our own elections and change to a Liberal government here at home.

With this in mind, we wanted to share some thoughts on ways to help improve your own financial position for 2014 and beyond and we have put together two articles. One on the benefits of having the proper insurance for yourself. The second article is aimed at helping you think (if you haven't already) about your retirement and how long your savings will really last.

Finally, we have also included a link to our blog with a recent video from Dr. Shane Oliver discussing the partial US Shutdown and what the likely implications are over the coming months.

If you have any questions or concerns about the articles in this newsletter, please don't hesitate to contact us on 02 6363 1700.

Kind regards,

The Central West Financial Team

It won’t happen to me….. or will it?

We all insure our cars, and would not dream of taking to the road without insurance. We know, instinctively, that it doesn’t matter how careful we are in our own car, somewhere at sometime, another reckless or careless driver can impact our own car and safety.

What now for markets?

Whilst the US debt crisis is over for the time being, what do the next few months hold for investors? Dr. Shane Oliver discusses what the recent US standoff means for investors globally and what implications we can expect early next year.

In this edition

	It won’t happen to me….. or will it?
	What now for markets?

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NSW 2800

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