Superannuation If not yet retired, earnings on superannuation investments are taxed at 15%. It is worth considering making super contributions as part of your tax strategy. Not only will you be saving tax you will also be saving for your retirement. Salary sacrifice contributions If your marginal tax rate exceeds fifteen percent, making contributions to […]
Superannuation issues are some of the most important considerations that taxpayers should be aware of. One such issue is the danger of super contributions exceeding the contributions cap. The contributions caps are $25,000 for taxpayers below 50 years of age and $50,000 those over 50. If the contributions that are claimed as deductible exceed these […]
The end of the financial year is approaching, and it is important to be prepared. This will ensure there are not any nasty surprises and as much cash as possible can be protected. Here are some tips to keep in mind: 1. Personal Expenses Be careful to ensure that any interest on loans for investment […]
The FBT year runs from 1 April to 31 March. FBT is one of those areas that many employers struggle with; not because the tax is complex but because of the level of detail required to fulfil your obligations. How do I know if I need to pay FBT? Here are some key questions you […]
Picture this. You have what you think is a great idea for a new business and have told a couple of family members or friends. They slap you on the back, feed your ego and tell you it sounds like a winner. Sound familiar? But does the new business idea really have a good chance […]
It can be lonely at the top. Even if, by the “top,” it’ is simply heading up a one-person or brand-new business. That is why many great companies were started by partners. Find out four important things you must consider before entering into a partnership. With a partner, there is always someone to share the […]
As we approach the holiday season, our thoughts turn to the things that matter most – family, friends, fun and freedom. Make sure you’re protecting what’s important. Learn about the different types of covers that can protect you and your family: Life cover – also known as term life insurance or death cover, pays a […]
As the saying goes, there’s a flip side to everything. In this 2 minute video from TEDX, Derek Sivers shows this is true in a few ways you might not expect. This is a great video to inspire you to think differently in your approach to business. Here are three great ways to ‘flip your […]
As the name suggests, income protection is the best way to protect your current income if you are unable to work due to illness or injury. This type of policy pays up to 75% of your gross annual income, in monthly payments, to cover your living expenses. Income protection has waiting and benefit periods. Why […]
Trauma insurance provides a lump sum benefit or equivalent instalments if you’re diagnosed with a specific illness or injury covered by the policy (such as cancer, stroke, heart disease, blindness, severe burns, loss of speech or deafness). The benefit amount, chosen by you, can be used to reduce debts, pay for medical expenses and maintain […]
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