Welcome to the Summer Edition of ‘Your Personal Wealth’. For most of us, we can’t wait to see the end of 2020; it has been a horrible time in many ways. In the words of one ancient Philosopher, ‘This too shall pass’ is our fervent hope. However, once again, Australia is the lucky country with the elimination now of lockdown, freedom to travel to see the country, visit friends and relatives and enjoy all our many blessings. And so, we wish you a joyous Christmas and New Year break and a very prosperous 2021.