WELLNESS FEATURE

This year the lending market will see change. The Reserve Bank of Australia (RBA) had its first meeting of 2022 and has decided to maintain the official cash rate at 0.10%. While the cash rate remains steady for the moment, many lenders have increased their fixed rates, and there are indications of more changes to come over the next twelve months.

Now could be a good time to: • Review your current home or investment loan. The option of fixing your interest rate ahead of possible increases in the future. • Access equity in your home for a renovation or investment.

• Ensure your insurances are up to date and that you’re covered properly. With a lot of uncertainty about what may happen later in the year, setting yourself up with the right finance and insurance structures could make sure your world of finance is set for success in 2022. f www.astutefinancial.com.au/mooloolaba/

ABN 59 093 587 010 Australian Credit Licence Number 364 253

TIME FOR A BUSINESS WELLNESS CHECK-UP

HBA Encompass was founded in 2010 by the directors of well-respected Sunshine Coast firms, HBA Accounting Pty Ltd and Encompass Tax & Accounting Pty Ltd. HBA Encompass’ passion is working closely with clients to enable them to maximise and extract value from their business operations. Although as accountants and business advisers they see many generalities among businesses, they are sufficiently experienced to understand that your business has its own unique qualities and characteristics that differentiate it from others. Their values set them apart: Strive – to delight their clients. Ethical – Always doing the right thing. Trusted advisor – Clients seek their advice before making decisions. Enjoyable – to deal with both internally and externally. Early adopters – willing to embrace cutting edge technology and systems. Listeners – to clients’ needs and circumstances Email HBA encompass to be sent a FREE business advisor health check admin@hbaencompass.com.au f www.hbaencompass.com.au

RON HILL AUTOMATICS

With 47 years under their belt, Ron Hill Automatics are busier than ever. Having maintained their position as industry leaders in the automatic transmission arena, they are extremely thankful to the trade (other mechanical workshops) that refer transmission work to them. They are also very grateful to their repeat customers that share their experience, whether it be through posting a review or just sharing a conversation with their friends and family – that’s good old-fashioned word of mouth advertising! Owners Sandra and Bill are thrilled to be surrounded by family with a son and daughter working in the business and of course the rest of the Ron Hill team, who are family not in blood but family in spirit. They are all really to enjoy each other’s company and support each other inside and outside of work. This family culture is the backbone and foundation of the business. They are extremely proud of their team, made up of pure local talent, who maintain a high level of before and after sales service. f www.ronhillautomatics.com.au

DQ250 Dual Clutch Transmission

YOU HAVE BETTER THINGS TO DO!

The Bookkeeper Hub specialises in helping small business owners take back control. Control of their time, their money, and their life! Whether you’re looking to DIY with your bookkeeping, or to get professional bookkeeping help, the Bookkeeper Hub do the work, so you save the time. Easy as 1 – 2 – 3! 1. Bookkeeping. At The Bookkeeper Hub, bookkeepers are trained Xero Consultants who know how to make things work – and can save you up to 95% of your bookkeeping time. 2. Xero Training Their training solution provides video learning sessions to suit your needs. Whether it be a full course in Xero or a tutorial top-up. Get Xero working for you the way you want! 3. Xero Fix it Centre They know that the Xero help centre doesn’t always cut it, so they have created Xero Fix-It to allow you to be the hero of your own destiny. Perfect for those who want to DIY but need a little help. Contact The Bookkeeper Hub and let them take the hassle out of managing your cashflow. f www.thebookkeeperhub.com.au