Are You Paying Too Much Tax? Some Simple Things to Check
As we start on the downhill run to the end of the financial year in Australia, that is, 30 June, we should be starting now to put our tax affairs in order, if we haven’t already done so. Part of that process should be asking ourselves if we are paying too much tax....
Credit Cards vs. Personal Loans – Is There a Clear Winner?
Most Australians with a good credit history and a regular source of income have little difficulty in accessing credit when they want it. However, with different credit products now available, borrowers are not sure which one is best for their particular situation....
Business Insurance – a Complex Issue Needing Expert Input
In a consumer society, the name of the game is to buy things to use, consume, display or wear, so within that context, insurance is an interesting concept. As consumers, insurance is the one expense we gladly accept but never want to use. Put another way, we spend...
Accounting and Taxation Best Left to the Professionals
If the continuing popularity of do-it-yourself reality programmes on television is anything to go by, people just love to try their hand at things they would not normally do. Cooking, landscaping, gardening and home renovations are just a few of the programmes on...
Improve Your Business – Join a Business Advisory Programme
Every business gets to the stage where, regardless of how well it is managed it needs an injection of new ideas and perspectives from outside the organisation. Owners and managers are immersed in operational issues that seem to just grind on from day to day. In this...
Exit Planning Lets You Leave Your Business With Dignity
Customers and shareholders of Apple are beginning to wonder if the company can continue to be as successful as it was when Steve Jobs was at the helm. Their last two new product releases have not sold as well as expected, and fans are disappointed with what they see...
Unplanned Tax Liabilities Can Damage a Business
Managing an SME (small to medium enterprise) is a complex task involving sales, production, innovation, marketing, human resources, health and safety, accounting and payroll. Every business strives for the best outcome in all these areas, knowing that getting it right...
Exit Stage Right is Not a Valid Succession Plan
Every great leader knows that there is a time to take the helm and provide the direction needed to achieve goals and objectives, whether they are heading a sports team, a school, an emergency response group or a business. Great leaders also know that there will...
Planning for a Successful Retirement Starts Now
Before compulsory superannuation was introduced, only a select part of the Australian workforce had access to superannuation and most workers believed the aged pension would be sufficient for their retirement needs. People knew little about investments and didn’t have...
A Financial Planner will make your Superannuation Work Harder
The bulk of working Australians have access to compulsory superannuation funded by their employers, with the option available to them to add their own regular contributions. Unfortunately, it seems we are not as careful with our superannuation as we should be. For...