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Five financial tips from an older generation
When it comes to money, some things stay relevant regardless of your generation. This article provides five financial tips that all generational groups can benefit from.
Investing: asset classes and indexing
Whether it’s taking a more active interest in our superannuation, starting to build an investment portfolio, or even trying our hands at playing the stock market, we can all benefit by understanding the language and key concepts of investing. Here’s a quick introduction.
The growing popularity of neobanks in Australia
Neobanks are becoming increasingly popular in Australia as people look for different avenues to manage their money. The recent banking royal commission has also seen people look for solutions outside the big banks for financial products. In this article, we’re looking at how neobanks have become popular and what different they offer customers.
The benefits of using a mortgage broker
In this article, we look at the role of mortgage brokers and the key benefits of using one. We also set out a list of questions and documents for clients to prepare themselves for a meeting with their mortgage broker.
5 tips to survive a decline in income
Since precautionary measures were heightened to slow the spread of COVID-19, almost 1 million Australians have lost their jobs. According to the Australian Bureau of Statistics, Australia lost 7.5 per cent of its jobs between 14 March and 18 April. If you're one of...
Shares: investing in a business
This article explains what it means to buy shares in a business. It focuses on the emotional side of investing by explaining you are not just buying a piece of paper but a share of a business, and discusses the benefits and responsibilities of a shareholder.
When an SMSF may be the wrong idea
With the growing popularity of SMSFs, this article looks in the other direction and explores the reasons why establishing a SMSF may not be the best idea.
Waiting in cash until share markets fall
This article uses a case study to demonstrate the strategy of holding in cash and waiting for market opportunities (or volatility) before investing.
Your health and wealth during the COVID-19 pandemic
This article summarises what we can expect from the COVID-19 pandemic. It covers Government support packages for both individuals and businesses, how banks are approaching home loans, the impact of past market crashes and corrections, what to focus on when it comes to personal finance, as well as how to best look after your health during this pandemic.
Defining your defined benefit fund
Defined benefit funds are superannuation funds where members’ contributions are pooled instead of being allocated to particular fund members.
The growing popularity of neobanks in Australia
Neobanks are becoming increasingly popular in Australia as people look for different avenues to manage their money. The recent banking royal commission has also seen people look for solutions outside the big banks for financial products. In this article, we’re looking at how neobanks have become popular and what different they offer customers.
1 July company tax rate reduction
Despite the current economic environment, the company tax rate will reduce to 26% for small and medium businesses from 1 July 2020.
Have casual workers been granted annual leave?
News headlines recently stated that casual workers have won the right to paid leave following a decision in the Federal Court. As usual, the devil is in the detail.
HomeBuilder: What is it and how do you access it?
The Government has announced grants of $25,000 to encourage people to build a new home or substantially renovate their existing home.
The ATO’s JobKeeper audit targets
The JobKeeper subsidy has progressed beyond the rush for eligibility and entered its second phase: compliance. Late last month, the Australian Taxation Office (ATO) released guidance highlighting where the regulator will focus its compliance resources.
Compliance: What’s changing on 1 July?
This article is a quick summary of what will be changing on 1 July 2020, beginning of the 2021 financial year, regarding the ATO’s JobKeeper audit targets.
Withdrawing your super early
This article discusses the potential advantages and consequences of withdrawing superannuation under the government’s COVID-19 initiative.
The JobKeeper Payment – A Snapshot
The JobKeeper payment is a subsidy of $1,500 per fortnight per eligible employee paid in arrears to the employer by the ATO. It’s for businesses that have suffered a detrimental decline in business because of
COVID 19 to help keep their staff employed.
To receive the JobKeeper payment, there are a series of eligibility criteria and reporting and notification obligations that need to be met. It’s important to talk to your accountant and adviser to make sure you get it right.
Here’s a summary of what you need to do to claim JobKeeper payments for April. If these conditions are not met, you might still qualify for JobKeeper payments later in the year.
The upsides and downsides of multitasking
This article explains the upsides and downsides of the phenomenon of multitasking and its potential effects on our minds. It offers some tips on how to manage our focus more effectively.
Hands up – who wants to save tax?
Most investors and business owners are aware that the interest paid on an investment loan is generally tax deductible. These deductions can be maximised by prepaying the interest on the loan.
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