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Our Finance Blog

At SMC Advisers our ethos is Simplify, Grow, Profit because we believe good systems (and Accountants) should make accounting work easy so you can relax or focus on what's important to you. That's why we love cloud-based accounting and other time-saving apps and systems as they simplify the process, are enjoyable to use and give you back time to grow your business and/or spend time with family and friends. That's also why we are committed to increasing our expertise and skills so that we can offer the best advice to our valued clients through the services we provide. We have been building our client relationships and providing a broad range of services including accounting and taxation, financial planning, leasing and lending, coaching, and mentoring since 1996. SMC Advisers. Simplify. Grow. Profit.

Disclaimer: Our finance blog is for information and marketing purposes only and will cover a broad range of financial topics that may be of interest or illustrate some of the ways in which we can assist you reach your financial goals. If these topics are of interest we encourage you to contact us to make an appointment to discuss your specific situation and obtain advice. This blog is not to be used to make financial decisions or in lieu of financial and accounting advice.

FBT - Fun Business Taxes?

The end of March marks the end of the 2016 Fringe Benefit's Tax (FBT) year. That's right, more tax. This means that there will be some action required by companies that provide fringe benefits to their employees, and also the employees who receive those fringe benefits.

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Refinancing Reluctance?

A recent article published in the 'Mortgage Professional's Australia' magazine really got me thinking about why some people don't take an active role to save themselves money on their home loan. The article titled 'Refinancing Reluctance' discusses how brokers may not be asking the right questions that allow their client's to realise that they are paying too much interest to the bank, instead of using it to repay their debt sooner.

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Is Christmas Sending you Broke?

This morning I saw a meme that said "5 weeks 'til Christmas, 4 weeks 'til I'm broke". Christmas is often seen as a joyous time that we spend with friends and family, however for lots of people it can be an extremely stressful time because they haven't planned for it financially.

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Fixed V Variable - The Great Debate

Interest rates are at an all-time low! There is very little room for them to continue to move further downwards, so why not consider fixing some or all of your home loan?

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SMSF: Why is Everyone Talking about Them?

A self-managed super fund (SMSF) is a super fund where the members of the fund are also the trustees and therefore, they have full control over how their retirement savings are invested.

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The 'Immediate Tax Deduction' Explained

Since the release of the 2015-16 Federal budget on 12 May 2015, there has been a lot of talk about the proposed changes. We recommend that you are fully informed about these changes before you make any financial or business decision, as most of the announcements are still proposed legislation and not yet law.

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The Super Stats

Many people think that superannuation is a set-and-forget situation. Who can predict what Government allowances will be available, or how much the benefit will be by the time you retire? Wouldn't you rather know exactly how much money you will have each year so that you can look forward to that overseas holiday you have been dreaming about?

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It's FBT Time!

The Fringe Benefits Tax (FBT) year finishes today, meaning that companies that provide a fringe benefit to their employees (including themselves) can now send their information in to our office so we can complete your return.

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