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The difference between offset and redraw (and why it matters)

If you prefer to directly overpay into your loan, then redraw back to loan available if and when required, you will have to pay a great deal of attention to what/when/how much/from where etc, to ensure your money is always working for you. I'm an accountant and even I don't have the desire (let alone the time) to do that!

Home Loans For Builders

Builder-owner loans are for actual licensed builders who are trying to get a mortgage/construction loan for the building of their own home. Although in most cases, lenders consider them as being similar to owner-builders, they are practically different. To put it simply, builder-owners are builders with registered building/construction companies that will undertake the project themselves. With this, some lenders see this as a risk because of lack of accountability.

It is becoming more and more difficult to get finance

Are sales people being replaced by technology?

Sometimes you can feel totally overwhelmed by the demands of learning and using not only the technology, but the up line pressure that forces us to use that technology. Unless you are really tech-savvy and a super-fast learner you can soon start to feel inadequate in your role, even though you are the best closer in Australia. This article takes a realistic view of how technology is impacting sales jobs, the pros and cons surrounding it and what you should do.

Is Your Family Business Prepared For The Future!

Natural Disasters – Is Your Business Prepared?

4 tips for better cash flow

This article includes 4 super-fast and easy to implement ways to significantly improve cash flow in your business. A must to secure your business future!

7 tips to stop your business from closing (despite finance warnings!)

There are some preventative solutions you can take to stop your business from closing despite the finance warnings you may experience. Find out what they are in this article.

Tax and Cash flow initiatives COVID

Second payment Eligibility To be eligible for the second payment, the employer is required to be active and to lodge the fourth quarter BAS. The second payment will be provided automatically as a credit in the activity statement when the fourth lodgement is done. Payments will be capped at $50,000 over the 2 quarters $50,000. Timing of payments The ATO will provide payment as a credit, once lodgements are made. The ATO will generally provide the refund within 14 days.

How Xero has impacted year end services

Have you ever wondered why your bookkeeper or accountant suddenly moved across to Xero? It's more convenient for you - you can now sign things online, but what does it mean for them? And how is it that their services are now a little bit cheaper? This article explains the evolution of Xero and also what is more beneficial to you - a bookkeeper or an accountant. Find out!

Top 3 mistakes in rental tax returns

Most of the taxpayers think going to the tax experts is a costly affair. In reality, it is just the opposite. By taking assistance of tax specialists in your tax matters you don't increase the costs rather increase the benefits that could easily be lost otherwise.

A Single Touch Payroll (STP) guide for employers

Simply put - with the new Single Touch Payroll (STP) employers will be reporting to the ATO, as part of every pay event, their workers earnings as a year to date figure - it affects every employer no matter your size. If you're an employer operating in Australia, you need to read this article.

An introduction to 'The Cloud' for business

There is a lot of talk about cloud computing, however people seem generally unaware of exactly what "the cloud" is, the risk level from a safety concern and full benefits of moving to the cloud.<br><br> This is a short guide to bring you up to speed with the future of business operations.

Top 15 finance warnings that could close your business

There are 15 finance warnings that could force your business to close, and this article explores each of them in depth so you can tell if your business is at risk.

How to choose a good accountant

Choosing the right accountant can save you time and money every year – whereas the wrong accountant could potentially have the opposite impact. The question is, in a world with so many practicing accountants and book keepers to choose from – how can you be sure if the person you’re talking to is any good?

The business and life equation - finding the balance

Employees are fast becoming more valuable than their employers as they hold the resources in the business. Comparing stability to visionary, this article promotes the strengths in both roles and how they can work together to create a successful business and workforce.

10 things an accountant can do for you

There are many reasons for engaging an accountant to assist you with your finances. Numbers may not be your strong suit, you could be looking to make a large investment or perhaps you need a loan. Here are ten reasons why you may be looking to find an accountant - and what they can do for you.