Business Investment

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Small business loans – relief packageAustralian banks will provide support to eligible small businesses by deferring loan payments for up to six months, where assistance is required as a result of COVID-19. The intention is for banks to implement this as soon as possible. If you haven’t yet been contacted…

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Updated: Stimulus relief package and what this could mean for you

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A number of measures have been announced to support Australians and the economy in response to the Coronavirus. We have put together some information to summarise the key measures and to assist you in understanding the help that could be available to you.

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Is your small business covered?

According to a 2018 survey by research firm East & Partners for Scottish Pacific, nearly 80 per cent of small and medium enterprises (SMEs) said cash flow issues caused them the most sleepless nights,1 whilst a 2019 survey by the same group highlighted that the number of SMEs planning to borrow from their bank to fund business growth has halved in the past five years to 18.3 per cent2. If small businesses are struggling with cash flow, but not willing to borrow from their bank what strategies are they considering to improve cash flow, grow their business and ensure longevity of their livelihood?

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Recovering from a loss

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We cannot control or influence curve balls life throws at us such as sudden trauma or loss, but we can protect ourselves from the impacts by having a sound estate plan in place and appropriate insurance cover.

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TimesharesBuying holiday timeTimeshares are a form of ownership or right to use a particular property or properties, such as a holiday villa, apartment or cabin for a set period of time. You can buy timeshares in Australia or overseas but be aware they are a long term commitment and can be…

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Senior couple planning their investments with financial advisor in living room


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Franklin Templeton’s 2019 Retirement Income Strategies and Expectations (RISE) Survey uncovered four findings that may surprise you.


12 money tips for Christmas

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Save yourself this Christmas If the festive season usually leaves you out of pocket and feeling like you spent more time and money battling the crowds than relaxing with friends and loved ones, why not simplify things this year? Here are some quick and easy tips to help you enjoy the holiday season without breaking the bank.

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Tax Tips and Tax Return Checklist

  • Post Category:General 2019 Tax tips and tax return checklist To help you complete your tax return, this checklist outlines income and expenses you need to disclose to the Australian Taxation Office (ATO) when lodging your return. We’ve also provided an overview of the types of tax offsets and deductions you may…

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2019 Federal Budget

In 2018/19 • Low and middle income earners will benefit from tax savings as a result of an increase in the low and middle income tax offset. • The instant asset write-off threshold will increase from $20,000 to $30,000 for small and medium sized businesses with aggregated turnover of less than $50 million. • A one-off payment will assist eligible social security and DVA recipients with the cost of energy bills. • Aged Care funding will increase. From 1 July 2019 • The Partner Service Pension will be available to former spouses of veterans. From 1 July 2020 • People aged 65 and 66 will be able to make voluntary super contributions without having to meet the work test. • The age limit for spouse contributions will increase to 74. • More flexibility will be provided when calculating exempt current pension income

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Ponzi Schemes

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Here are tips on how to pick a ponzi scheme from a real investment. Warning signs of a ponzi scheme Where do ponzi schemes operate? How long can the scheme last? How ponzi schemes work What to do if you have invested in a ponzi scheme

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Four ways to manage the rising cost of living

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Be smart with your spending. The increasing cost of goods and services is a reality most Australians have to deal with. Data from the Australian Bureau of Statistics shows that living expenses for employee households were up by 2 per cent in September 2018 compared to a year ago.1

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Five financial moves to make in your 40s

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In your 40s? Here’s what you need to consider to financially get ahead. Being in your 40s often involves balancing many responsibilities that it becomes easy to neglect your own financial wellbeing. But it’s not too late to secure your future. Here are some tips that may help you financially…

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Labor announcements –considerations and implications

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The Federal election is due to be held between May to August this year and, if the Labor Government is elected, significant change is likely. This article provides a summary of some of the proposals they have announced.

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9 Foods You Should Eat The Moment You Are Stressed

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If you’re feeling stressed and overwhelmed you may reach for certain foods to make you feel better. This is not a problem, so long as the foods, you’re eating are actually helping you manage your stress and not making the situation worse. Eating ‘comfort foods’, like a bag of chips,…

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A Money Wise Wedding

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Whether you’re planning a large, luxurious wedding or a small, intimate affair, smart budgeting could help free you from financial worries, so you can enjoy your special day.

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