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Mastering your cash flow
We all want to retire. When can you?
Cash flow management is often simple but it is never easy. It is also the most important ingredient to your financial success, explains Key Financial Planners Director, Anthony Prior. Here’s a six step programme to get you inspired and started on the journey to achieving your financial goals. 1. Identify your goals – Without concrete goals, your budgeting efforts are doomed to failure. Sit down with someone you trust to work out what is most important to you. From that discussion, write down one or two specific goals that are realistic and that you are able to measure in dollar terms. 2. Visualise success – Close your eyes and imagine what it will feel like to achieve that goal. Visualise walking into the bank to make your last mortgage payment, getting your passport checked before
Secure your future, talk to us. Looking for a plan to help bridge the gap to your retirement? With Key Financial Planners, we not only make a plan, we’ll help you put it into action. We’ll track your investment choices and ensure they are best suited to the market and achieving your future goals.
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embarking on your dream trip or seeing your children graduating from university. 3. Know your cash-flow – Take the time to make an accurate stocktake of all your income and expenses using a budget calculator from the web or iPad app. 4. Get a personal trainer – Choose a financial planner who specialises in cash-flow management to devise a programme tailored to your needs and then keep you accountable to your goals. 5. Pay yourself first – Set up an automatic transfer from your day-to-day bank account on the day your salary is paid to an account that is dedicated to your goals. Key Financial are local Planners that understand local needs. To take up their initial consultation at no cost, contact them on 8561 2400 or admin@ keyfinancial.net.au
• Individual and Business Tax Returns • Accounting and Secretarial Services • Business Services and Advice • Succession Planning • Accounting Computer Systems • Audit Services • Self managed superannuation
Our Barossa office is conveniently located at 17 Murray Street, Nuriootpa.
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2 - Business, Tax & Finance, “The Leader”, June 17, 2015
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Nick Wood of Assured Class Electrical is an expert in Solar Power and LED Lighting.
One of Australia’s major banks recently had this advice for small business, “Cutting costs is arguably the quickest and easiest way to improve the profitability of your business, and ensure that you remain competitive in the longer term”. An investment in Solar For Your Business is typically a cost cutting strategy that is simply a stand out, however often overlooked in the busy day to day challenges faced by business. Assured Class Electrical are local experts in Solar and LED Lighting systems. With no up-front expense, a Solar or LED lighting solution can be configured and installed and result in immediate savings in ongoing power costs. A portion of what you would have
paid in power costs is then paid as a monthly finance instalment, to cover the cost of your clean energy systems. In many applications your business is in-front from the outset resulting in a savings to business, without the typical disruptions that cost cutting can entail. Assured Class Electr ical understands the valuable incentives available to many small businesses via the Clean Energy Regulator, and with new incentives announced in the May Federal Budget for Accelerated Depreciation for business with <$2 Mil turnover per year there has never been a better time to consider the benefits. Talk with Nick Wood at Assured Class Electrical on 0409 622 280 or email: nick@acecleanenergy.com. au, or www.acecleanenergy.com.au
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Delivering Value... Business, Tax & Finance, “The Leader”, June 17, 2015 - 3
Tax Breaks for Small Business Take advantage now! In the recent budget, the government announced several benefits for small business including accelerated depreciation. In summary: • Who Benefits: business with an annual turnover of less than $2 million a year. • What does it apply to: The write off can be used for anything to help run a business; gym equipment, tools, machinery, kitchen equipment, computers, office furniture, coffee machines and the like. The write-off cannot be used to buy stock, office software or marketing materials.
BUSINESS, TAX & FINANCE
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Tax break supports BUSINESS, & FINANCE small TAX business Small businesses across the region are encouraged to take advantage of the Federal Government’s $20,000 tax break. Announced last month in the Federal budget, the temporary increase allows for an instant asset write off. The Co-op’s marketing manager, Ms Amber Rushton said they are already seeing businesses across the region make the most of the initiative. “For small or mum and dad businesses there is a huge amount of reductions,” said Amber. “Personal trainers at home, software for the office, coffee machines… things you may have put off buying.” Amber said it is a great opportunity for business owners to “go on a bit of a shopping spree” given the initiative is uncapped. “It covers anything that requires you to run a small business,” said Amber. “So for a car mechanic you could buy a small car, tools, a coffee machine for your customers to use, new desks and chairs… you could update the staff room.”
BU
Amber said a lot of the stores within The Co-op are able to assist business owners in this deal, which runs until July 2017. “It gives businesses an opportunity to spread purchases out over a period of time,” said Amber. “With the rebate coming up soon you can reuse your rebate for buying things for the business.” Amber added staff are more than happy to help businesses take advantage of this scheme, which in turn helps business to prosper and keeps money within the region. “There is so much opportunity,” said Amber. “There has never been a better time to buy for business. There’s huge sales coming up… you can buy on sale and buy local and get the rebate.” And Amber said the best part is you can buy beyond June 30. “We have seen a lot of our products marked at tax time deals walking out the door,” said Amber. “People realise the end of financial year is coming up and they need to get their tax affairs in order.”
Top 5 products to make the most of the tax break: Computers
• How many times can a business claim: It is uncapped - it applies every time a new asset is acquired for under $20,000.
Tool B ox or Tool T rolley
• When does this apply: It is effective as of 7.30pm on budget night, and will continue until the end of June 2017.
Treadmill/ gym set for the personal trainers
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ce New offi e fur nitur
The Co-op’s marketing manager, Ms Amber Rushton said now is a great time to update your business assets.
Update the staff kitchen with coffee machine, fridge, microwave
At Jonas and Associates Accounting, our goal is to provide comprehensive financial services which empower our clients to achieve their financial goals and aspirations. We can help you with:
Taxation
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Superannuation
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Personal Finance
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Assisting you to become more efficient, boost your profits and grow your business. www.barossa.coop T&Cs: all info from http://budget.liberal.org.au/pdf/download/Growing_Jobs_and_Small_ Business.pdf Please ensure you seek your own advice from your trusted financial adviser.
4 - Business, Tax & Finance, “The Leader”, June 17, 2015
Adelaide office: 8 Grenfell St, Kent Town 5067 Phone: (08) 7226 2142 M: 0439 334 884 E: john@jonasassociates.com.au Barossa Valley office: 8 Murray St, Tanunda 5352
EW1092
2015 BUSINESS, TAX & FINANCE
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Household budgeting
By John Stankevicius, Jonas and Associates Over the past few weeks I have been writing about the advantages of cloud accounting for businesses but it is also tremendously advantageous to the household. Householders are able to access their bank statements on line and process them to prepare the family’s “Profit and Loss Statement” and “Balance Sheet.” This is a great way to measure the worth of the family. When I ask clients if they have prepared a household budget the majority of them say “no” followed by “I am too scared to see how much we spend.” But it is never too late to start accounting for the family’s budget and a savings plan. This has become an increasingly major issue over the years with high real estate price, big loans and the cost of day to day living. I have had numerous clients come in after continually going to their mortgage broker and refinancing for an additional $20,000 or more. We sit them down and work out what money comes in and what it is spent on. One of the biggest reasons for financial duress seems to be the rental property. In one instance a high earning couple were netting $120,000 after tax while their loan repayments totalled close to $100,000. It is little wonder they were going to their mortgage broker to increase their loan just to live. A family budget compared to the family financial statement is an extremely powerful tool as the family is able to plan for future events and therefore take control of their financial future. Savings plans begin to form, investments are purchased and tax minimisation arrangements are put in to place to maximise the family’s wealth. The savings plans are affordable by the family and all sorts of ingenious ideas are forwarded to improve the family’s lifestyle. Further, the family is working from their actual figures and not from the banker’s average figures of 40% of salary or some other percentage measure. These averages seldom are met in reality and are one of the reasons why people have over extended financially. This is especially the case for real estate where the average percentages of what is affordable are low and do not take into account abnormal circumstances such as strata levies or land taxes. Cloud accounting if used diligently is a valuable tool for the family to plan for their financial survival and saving for retirement.
Electronic Lodgement of Tax Returns Business & Personal Taxation Accounting & Taxation for Companies,Trusts, Super Funds Sole Proprietors & Partnerships Anthony and David along with Paul and Scott will be available to help with your Income Tax requirements.
Office hours during July, August and September 9 a.m. to 5 p.m. Monday - Friday Monday - Thursday evenings and Saturday morning appointments by prior arrangement only. 82A Murray Street, Tanunda 5352 Telephone (08) 8563 3033 Facsimilie (08) 8563 3010 Holiatt Daant Pty Ltd A.C.N. 109 828 551
DH3291
You must keep a dairy detailing the representative use of the office space for a four week period, each year, to substantiate the claim. From the recent federal budget for small business, the purchase of each and any business related asset costing less than $20,000 (net of GST if registered) after 7.30 p.m. on May 12, can be claimed as an immediate deduction once installed ready for use or is being used (i.e. must be physically in your presence to make the claim, not just ordered). From 1 July 1, 2015, the tax rate for small businesses that operate through a company will reduce from 30% to 28.5% and for other tax payers (i.e. sole traders, partnerships) will receive a a discount of 5% of the tax payable attributable to business income (to a maximum of $1,000. From 1 July 1, 2016, all primary production businesses can immediately deduct the full cost of fencing, construction of water facilities (dams, windmills, pumps, etc.) and depreciate over three years the cost of new fodder storage assets (i.e. silos, hay sheds). Where a primary production business qualifies as a small business they are able to choose to claim the full costs of fodder storage if the items are less than $20,000. This information is of a general nature and may not suit your specific circumstances. See Holiatt Daant, Murray Street, Tanunda, for all your accounting and taxation needs.
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Taxpayers should make sure that all income received is detailed, even if you have not physically received it in cash, you may still have taxable income (for example share dividend reinvestment plans, interest rolled over on term deposits). This information is now made available direct to the ATO from the institutions and they can come back in future years and give you a nasty surprise if omitted. To maximise deduction in this current year: • If you own a rental property maybe bring forward minor repair expenses beforeJune 30; • Prepay tax deductible expenses for the next 12 months, for example income protection insurance, investment property or margin loan interest. • Keep details of every one of your deductible expenses, no matter how big or small they are, they all add up. When making a work related motor vehicle claim using the kilometre rate, you can only claim 5,000 kms per car you own. The 5,000 kilometres is per car per owner so if you rotate cars with your spouse and you both use your car for work purposes you could claim up to 10,000 kms each. To be eligible to claim donations, make sure that the charity is a registered “deductible gift recipient” (including school building fund contributions). A charities status can be checked at www.abn.business. gov.au. Remember to claim the costs associated with preparing your tax return including travel to and from your accountant. If you perform all or part of your employee duties from home, in addition to claiming for the actual work expenses (ie. stationery, telephone, internet use, decline in value of equipment, except furniture) with doing those duties, a claim can be made for the running expenses of an associated home office (ie heating, cooling, electricity use and decline in value of furniture). The ATO has a set rate of 34 cents per hour for the use of a home office.
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Business, Tax & Finance, “The Leader”, June 17, 2015 - 5
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16 OLD STUR 6 - Business, Tax & Finance, “The Leader”, June 17, 2015
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WHEN YOU TREAT YOURSELF TO A CANON PRINTER OVER $60 THIS TAX TIME Ben Gillard, Barossa Communications Store Manager displaying the Samsung Galaxy Tab S. Ben and the team at Barossa Communcations have been busy with NBN related enquiries and continue to encourage customers to call in store to discuss the many benefits of this new network.
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Are merging with
Henson Lloyd employ Chinese specialists who can assist with either Chinese investment here in South Australia or, where opportunities exist, by expanding your business into China, particularly Shandong Province, the Chinese focal point of the South Australian government.
BAROSSA FINANCIAL SERVICES
“We are now able to offer Mortgage Broking and Investment Advice including Self Managed Superannuation. When integrated into your business structure, this can become very tax effective,” says Brad Reynolds.
Barossa Financial Services Contact On P: 08 8563 2874 61A Murray Street, TANUNDA, SA, 5352 PO Box 754, TANUNDA, SA, 5352 8 Union Street, GAWLER, SA, 5118 Ph: 08 8563 2874 • Fax 08 8563 3419 Email: admin@barossafs.com.au
TAKING CARE OF BUSINESS MORE THAN EVER Morgan Reynolds are now pleased to announce the merger of its business with Adelaide accounting firm, Henson Lloyd. With a focus on “Taking Care of Business”, they have contacts and direct experience in the agricultural, racing and health industries as well as wide experience in retail and manufacturing. This merger will bring a wealth of knowledge and experience to the Barossa.
• HOME LOANS • SUPERANNUATION • PERSONAL INSURANCE • RETIREMENT PLANNING
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Corey Parsons and Liam O’Brien are authorised representatives and Credit representatives of AMP Financial Planning Pty Limited, Australian Financial Services Licence 232706. Barossa Financial Services | ABN 78 138 929 398 BA17156
8 - Business, Tax & Finance, “The Leader”, June 17, 2015
The business will still remain local with Brad still running the Tanunda office in the same location with Gill continuing to attend to the local administration and bookkeeping for the office. However, it will now operate with the enhanced resources of Henson Lloyd to give all clients an expanded range of services and access to offices in Adelaide, Melbourne and Port Lincoln.
Give us a call on 8563 2620.
For all your strategic business, taxation and planning needs 5 Diagonal Road, Tanunda SA 5352 Ph 8563 2620 Also Adelaide, Melbourne & Port Lincoln
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& Finance, “The Leader”, June 17, 2015 - 9
BUSINESS, TAX & FINANCE
TA X AT I O N & A C C O U N T I N G PROFESSIONAL SERVICES YOU CAN TRUST
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ü Individual and Business Tax Returns
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ü BAS and IAS ü Rental Properties & Capital Gains Tax ü Bookkeeping and Electronic Lodgement
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51 Adelaide Road, Greenock www.carolkalleske.com E: carol@carolkalleske.com
WFI Area Managers, Dean Cutting and David Rawlinson offer local service based in the Tanunda Office.
Advice we specialise in
Top five tips for Barossa Insurance
PUBLIC ACCOUNTANTS REGISTERED TAX AGENTS
Specialists in Small Business, Tradies & Rural Accounting
REDUCE YOUR TAX LIABILITIES BY PLANNING BEFORE 30TH JUNE
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Lawyer available at Riverton Office by appointment.
Riverton - Phone 8847 2002 Eudunda - Phone 8581 1506 (Thursdays)
10 - Business, Tax & Finance, “The Leader”, June 17, 2015
Experience the e-Edition Any device. Any time. The Barossa’s Favourite Newspaper
iPad
Volume 96,
No. 4855
Barossa
For farm and business insurance that comes to you contact your local WFI Area Manager.
Wednesday,
April 22, 2015
The Barossa’ Celebrating
$1.40 (inc. GST)
still buz zing
s Favourite
the 2015 Barossa Jess Greatwich,Vintage Festival
108 PAGES
Ph: 8564 2035 Fax: leadernewspaper@bigpon 8564 3084 d.com
Newspaper
project officer Official Opening Rockin’ last week - marketing fantastical popes, scarecrow were Andrew and membership Dundon, assortment foods were just trails and Tourism Cathy says Vintage of sights presented some of the Barossa, days of Barossa that and Chris Festival Director; over the five pleased with the the organisers were Vintage Festival Pfeiffer, president Cathy Wills, held over decision, as really the the festivities families and children Festival president; it enabled individual Tourism Ms Cathy past week. many family-friendly to participate more sold ticketed events Barossa. Wills, Regional out, or had Manager, in the being events programmed. There was was Tourism The Vintage very high numbers.” either of this years’ delighted with also If a little the outcome interstate touristsa noticeable amount cold, the high standard Parade was majority anticipation Barossa Vintage rain held executed enticed to of also, of the Festival, “The travelling from off for the the region, of fun and exciting with a fantastic to a absolutely leading up to the Perth, Brisbane The Vintageevents. South Australia. range showcase displays. Although and regional Festival buzz in the fantastic, and there event was difficult to continues A selection all that the air. was a real people watched estimate to of over 95 “The excitement beautiful how many has to offer, as a expressions unique events, expected there the vintage surge of people Barossa and and been brought throughout were around parade, it is have again the event.” positivity continued was something venues ensured that people. to experience 6,000 to 7,000 this year. for all ages This year, there local businesses The attendance to enjoy. Other entertaining had a changethe Barossa Vintage It has yet in date, re-positioning Festival across the majority rate remained strong Grape Treading events community again proved to be its usual of events, Ziegenmarkt, Championshipssuch as the Easter timetable an excellent celebration, Harvesters’, including from holidays. Yalumba merging Paul Noack titled ‘The Barossa heritage to the school Let’s Go Fly Festival Garden the as the the a and Festival winners for theand Steve Schiller art culture alive with the food, wine rich Cathy said, Kite. in the region and second Vintage “We are in a row. with the today. Cathy said attendance just absolutely thrilled how they rate, such with the were very Extensive as many weather fortunate of been coverage predictions conditions, as there of the 2015 for very wintery BAROSSA VALL had EY weather. Barossa
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check to make sure that the insurance plan will actually cover your requirements. Make sure you also read what is not covered in the exclusions section. #4. Risk: Don’t risk being under insured. Thoroughly review your sum insured every year, remembering to increase it if you purchase new equipment for your business or make changes to your business. #5. Finances: If your finances are tight, you may want to consider a higher level of excess rather than reducing your sum insured. This will ensure that you are properly covered. By considering these five tips you will be well placed to choose insurance that is right for your business. A friendly face for your local business insurance needs is not far away. “At WFI, we believe very strongly in personal service and the value of local knowledge, that’s why we have a network of over 170 area managers helping our clients across Australia,” Mr Rawlinson said. WFI, is a business, farm and strata insurance specialist with over 90 years’ experience serving the Australian community. To find out for yourself why WFI are good people to know for insurance call your local Area Manager on 1300 934 934 or visit wfi.com.au.
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Regardless of the type of service your company offers, having the correct insurance will ensure that your risks are covered and that you are free to focus on your business, regardless of the stage of its journey. Mr David Rawlinson, Area Manager of the Tanunda office, WFI outlines the following five tips to ensure that you have the correct insurance for your business. “These tips are really important to consider when you are looking for insurance coverage that suits your needs,” Mr. Rawlinson said. #1. Insurance Types: Make sure you know what kind of insurance you need for your business. Many businesses are either under insured or don’t have the right insurance covers in place. Talking with an insurance representative can help you tailor your insurance package. #2. Disclosure: Don’t withhold any important information from your insurance representative about your business and its exposure to loss to ensure you are offered the right level of insurance cover. Providing the insurance company a complete history of your business may also result in a lower insurance premium. #3. Cover: The cheapest quote is not always the best. Business insurance can be complex,
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BUSINESS, TAX & FINANCE
BUSINESS, TAX & FINANCE
BUSINESS, TAX & FINANCE
BUSINESS, TAX & FINANCE
Why cloud accounting is good for business We don’t just do tax! If you want your business to work smarter and faster, cloud accounting software is a wise investment. Working in ‘the cloud’ will give you an improved overview of your finances, improve team collaboration and save time and money. Mr Trevor Bromley of Tax Matters said he has received good feedback about the new cloud accounting system. One of his clients, Diana Wheeler, a local café proprietor and coffee roaster said, “It releases a lot of hours from doing my admin work for my business. There is no more slaving over bookwork and admin, freeing up time for me to run my business and have more family time. “I am able to view my progress and results in a timely way live 24/7. It’s one of the best business decisions I have made!” The cloud is a platform that allows access to data and software online anytime and anywhere, providing the device has Internet connection. For example, it is very similar to the way that people use Internet banking. There are a number of problems with traditional accounting software. It quickly becomes out of date in the fast paced ever changing modern world. It also only works on one computer system, with data bouncing from place to place which may render it unsecure and unreliable.
Accounting software is costly and time consuming to keep backups, or upgrade. Customer service can also be expensive and slow. The ‘Cloud’ and its related accounting software are the perfect match. It means that small business owners can stay easily connected to their accounts, and integrate with additional software if necessary. Cloud software is paid for in monthly subscriptions, and there is no need to install and run applications over a desktop computer. The cloud is one of the most secure ways to store information. If someone were to steal your storage device, no one would be able to access your data unless they have a login password to your personal account. In the event of a natural disaster, all information stored in the cloud will remain safely stored off site and can easily be retrieved. Upfront business costs are also significantly reduced by using the cloud, such as version upgrades, maintenance, system administration costs and server failures. Mr Bromley said a number of tradesman are using Cloud Apps for quoting on site and at the same time are able to produce Invoices instantly that relay back into the accounting records. He went on to say the most attractive part of working in the cloud is the flexibility it provides to run business from work, your i-phone, home or on the go with ease.
We also specialise in:
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• BAS Statements • Business Consultants • Self Managed Super Funds • Deceased Estates • Finance Directions for Youth • New Business Structure
We can help you and your business today! 48B Murray Street Nuriootpa SA 5355 Phone: 8562 1604 Fax: 8562 2067
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Trevor Bromley of Tax Matters, assisting local client Diana Wheeler with her finances via cloud accounting.
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Business, Tax & Finance, “The Leader”, June 17, 2015 - 11
. . e at . r ’ s n Weteam a o s ti the ros ica
Ba mun m Co
THE NBN IS HERE! FREQUENTLY ASKED QUESTIONS ABOUT THE NBN WHAT IS THE NBN?
The National Broadband Network is one of the largest infrastructure projects in Australia’s history. They’re building a brand new network that is set to make high speed broadband available to 100% of Australian homes and businesses. The landline phone network in use today was built over many decades. In contrast, installing the NBN across Australia is expected to take about 10 years, so although it’s a long-term project, it’s also a very fast-paced rollout. they’re planning to pass more than 6,000 homes and businesses every day in the peak of the rollout. By the end of 2015, more than 3.5 million homes and businesses across Australia are planned to have construction commenced or completed.
DO I NEED NEW EQUIPMENT TO USE THE NBN?
In some NBN fibre areas, NBN Co will provide a free standard installation of a connection box on your outside wall while the network is being built in your street, and an Network Termination Device inside your house once you order a service. This is the basic equipment you need to use services over the NBN. Most equipment used to access the internet or to make phone calls today can be used on the NBN fibre but you should check with us to confirm this.
WHAT’S IN IT FOR ME?
Yes, as long as you have an active phone service over NBN fibre and your Network Termination Device is powered up. Phone services in Australia are required by law to connect calls to emergency services free of charge. A battery backup unit is also available for premises in NBN fibre areas. It provides around 4-5 hours of talk time on a standard corded phone connected the Network Termination Device’s “UNI-V” port in the case of a power outage. If you want a phone service with NBN’s battery backup, you will need to discuss this with us when ordering your internet and voice service.
With the NBN, you’ll be able to access the benefits of super-fast internet, including: • Making high quality video calls to stay connected with family and friends • Accessing health services and interactive educational content online • Working from home like you would at the office • Getting the whole family online at once • Downloading movies in minutes and streaming TV online. Plus you’ll be able to make phone calls over the NBN’s fibre optic technology.
DO I NEED TO SWITCH TO THE NBN?
It’s your choice whether you switch to the NBN and whatservices you take up. However, in the areas where NBN fibre is being installed, it will replace almost all phone lines, ADSL internet, Telstra/Optus cable internet, and some Telstra Velocity fibre services, providing a new fibre optic network for residents to use. So, when the switch-off of the above lines is announced in your area, you need to switch over to the NBN if you want to keep a landline phone or internet service, or make alternative arrangements for your phone and internet. There are some exceptions – if your phone or internet is already provided over a fibre optic cable, or through a network provided by your building owner, these services may continue to be available. To confirm, please check with your service provider. Most customers with NBN fixed wireless will not be impacted by the copper cut off.
CAN I STILL CALL 000 ON THE NBN PHONE SERVICE?
WILL IT COST ME WHAT DO NBN PLANS ANYTHNG TO SWITCH COST COMPARED TO TO THE NBN? WHAT I PAY NOW?
A standard installation of NBN Co equipment is free There’s a great range of competitive NBN of charge and there’s a great range of competitive packages on offer from Telstra. So, in NBN NBN packages available for purchase from Telstra. areas, you could access internet and phone So in NBN fibre areas, you could access internet services over the NBN for around the same and phone services over NBN fibre for around the price as you’re paying now. same price as you’re paying now. Speak to us to Speak to us about your options – you may be see if there are any other charges such as set up or able to move your existing plan to the NBN. activation fees. If you’re currently under contract If you are considering changing providers or with a provider and want to move to the NBN, ask plans you should ask your current service your service provider if any fees might be payable if you end your contract early, or whether you can provider if there are any fees associated with ending your contract early. move your plan to the NBN at no charge.
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12 - Business, Tax & Finance, “The Leader”, June 17, 2015
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