The world has changed. Work has changed. The possibilities provided by cloud and mobile technologies are beyond what most people would even have considered possible just a decade ago. But have you adapted and updated your systems to keep up with — and take advantage of — these exciting and fast-moving changes? Or are you …
Read more “Better team collaboration: The top email, team chat & project management tools”
Still using spreadsheets for rosters, timesheets, and payroll? The administrative load involved in efficiently rostering staff, preparing accurate timesheets, and ensuring that everyone is paid correctly can be a huge burden on a small business – especially if you are doing it all manually. If your business involves shift work or hourly work in hospitality, …
Read more “Xero Users: Streamline rostering, timesheets & payroll using these tools…”
Contemplating residential aged care is extraordinarily complex. There are difficult emotional, physical and financial questions to consider. Typically it comes when the older person is particularly vulnerable, perhaps after a fall or health scare. They might be in hospital or in respite care and the decision to considerformal care needsto be made. Who makes this …
Image from Hunter Headline’s article “Newcastle firm receives Australian Unity Award“ The team at KLM Financial Planners*, the financial advising arm of KLM Accountants based in Charlestown, recently won the award for Australian Unity Best Financial Planning in an Accountancy Practice for 2017. The prestigious national award was presented by the CEO of Australian Unity …
Read more “Newcastle financial planning firm earns Australian Unity National Award”
Let’s face it: no-one likes to think of death, especially their own. It’s not exactly a great conversation starter, is it? This might explain why so many people end up “dying Intestate” which means they die without a will and, as a consequence, have their assets distributed according to State law. Sadly, the way State …
Read more “How to leave your assets with your family, rather than to chance”
As a business owner, there are plenty of things you need to manage, and two of the most important of these are assets and risks. In other words, building your wealth and protecting your wealth. There’s no point building a lot of wealth if the way you have things structured behind the scenes means that …
Read more “Is your family home at risk? The one mistake many business owners make”
The principles behind winning in business and winning in sport are similar in many ways. Take tennis, for example. If you’ve ever watched a match on television, you’ll know that along with all the hitting, running and grunting there are a lot of numbers involved. And we’re not just talking about the score here. Each …
Read more “How to win in the game of business: Lead vs Lag Indicators”
The recent changes to the superannuation rules are designed to further limit the amount of money Australians can keep in the tax advantaged superannuation system. So, where does that leave you for your superannuation planning for this financial year? Here’s a brief summary of the key issues: Contributions which qualify for a tax deduction: This …
Read more “A quick glance at how the new superannuation rules could affect you”
Think back to the days before you started your business, when you were working for a boss. Chances are you were rewarded for your hard work with a regular salary. It may not have always been the same amount, but it came through like clockwork. And for the next week, month or however often you …
Read more “It Pays Off: 7 reasons business owners should pay themselves a salary”
2017-4-27 Australian Unity Money Insights Not many people risk being uninsured when it comes to their car or home. But many choose to not insure their most valuable asset — that is, their ability to earn an income. This is despite the -fact that most people will earn a fortune between now and when they …
Read more “How much money are you placing at risk by not insuring your ability to earn an income?”