Covid-19 has caused major disruptions for people all over the world, imposing travel bans, the minimisation of social gatherings and even more importantly introduced the idea of ‘social-distancing’ which is to become a part of our daily lives for the foreseeable future. Your employer would most likely have discussed with you a contingency plan in … Continued
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Since the Global Financial Crisis hit (GFC), banks have become a lot more cautious about lending to consumers, and the conditions have only become tighter after the last Royal Banking Commission. The guidelines that a consumer must meet to obtain a loan have become more stringent in an effort for banks to ensure they are … Continued
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With lower interest rates and the saga of the housing crisis easing, first homebuyers now hold a good spot in the buyers’ market. According to the Australian Bureau of Statistics (ABS), first homebuyers accounted for 29% of home loans in May this year. This is the highest that number has been since 2012, and it … Continued
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What does a typical week in spending look like for your family? If you were tasked with listing how much money you spent and what it was spent on over a 7-day period, would you be able to accurately complete it? Answer, truthfully probably not. Even if you were able to come up with the … Continued
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Have you reached a point in your career where you don’t necessarily want to leave your job and start fresh on a new path, but at the same time want to boost your income? Maybe you have thought about it, but are put off the idea because you thought it would cost too much, or … Continued
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Have you ever looked at a toddler and wondered where their curiosity comes from? Children when they reach around the age of four often begin to ask what parents fondly refer to as the “W” questions. The word “why” becomes a part of their daily vocabulary and thus begins their learning process. Toddlers learn through … Continued
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“Never get so busy making a living that you forget to make a life.” —Dolly Parton, Singer. Famous words or famous last words? Our world today is a busy one. Regardless of the role you play and what your ‘job’ is, we as a society put a lot of pressure on ourselves to achieve and … Continued
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In today’s society, there are many reasons, that all seem valid (at the time) that we chose not to exercise enough and look after our bodies. Being a mum and balancing motherhood, business, family and career whilst pursuing an additional university degree, I would say I am one of the most time poor people in … Continued
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Entrepreneurs are unique. They have brilliant business ideas, often with a natural ability to think outside the box and deliver products and services that reflect their creativity. Some of the best businesses in Australia have come from entrepreneur minds such as John Illhan (Crazy Johns), Dick Smith (Dick Smith electronics, Dick Smith Foods &Australian Geographic) … Continued
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Insurance is often thought of as something that you must have, to satisfy requirements and to achieve peace of mind. Peace of mind isn’t all that hard to achieve either, as the assumption is that if you have insurance you are covered. Right? The answer is no. Critical mistakes are made every day when purchasing … Continued
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SME’s have been a common target for scammers, but the latest research by The Westpac State of SME Scam Report has shown that on average SME’s are losing a staggering $38,845 and are only able to recover 44% of the monies lost. The report shows that 46% of SME’s are affected by a scam, however … Continued
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With the start of the warmer weather, for many this is the perfect time to think about spring-cleaning. The feeling you get from achieving organisation in your life can often create peace, when you step into the house after a long day of work and the drawers are clean, there is nothing hiding under the … Continued
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The Australian Financial Review (AFR) Top 100 Accounting Firms in Australia for 2019 list has been released revealing a significant growth in advisory services which accounted for 29% of revenue of the top firms. CAAA continues to steadily rise in the ranks, moving up from 59 to 54 this year. In line with this year’s … Continued
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The Australian housing market crisis might be slowly improving but there is still little relief for younger investors who want to enter the market. These investors might be first time property buyers, or they may simply be finding it difficult to save the 20% deposit required to avoid paying hefty fees in Lenders Mortgage Insurance … Continued
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If you inherit a dwelling and later sell or are looking to sell it, you may be exempt from Capital Gains Tax (CGT); however, there are conditions that need to be taken into consideration. Generally, a resident individual taxpayer is exempt from capital gain tax on disposal of a dwelling that is his/her main residence. … Continued
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Superfund members around the country last year made some of the most winning investments, with Superfund’s on average demonstrating an overall growth of 7%, and the top two growth super funds and taking out poll position yet again with a whopping 9.9% growth each. A growth Superfund is one that allocates between 61% to 80% … Continued
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The stresses of running a business are very real, and often the business owner feels that they must take these on as part of the job. Many owners find themselves in a position where their everyday obligations such as bills, cash flow, pay roll or other operational tasks are often keeping them up at night. … Continued
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“Never get so busy making a living that you forget to make a life.” —Dolly Parton, Singer. Famous words or famous last words? Our world today is a busy one. Regardless of the role you play and what your ‘job’ is, we as a society put a lot of pressure on ourselves to achieve and … Continued
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No matter what your financial position is, or how much money you make in your job I think we can all agree that money is more fun when it’s spent rather than sitting aside in a savings account. However, the reality is that most of us want to maintain a certain level of lifestyle when … Continued
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Being a business owner is a tough gig. You are responsible for the daily operations, the all-important profit margins which keep your business afloat, but most importantly you are the gatekeeper to the livelihood of your employees and their families. It is common that due to this daily juggling act business owners are required to … Continued
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