Paying off your home loan will most likely be the largest debt that you pay off in your lifetime and reduce the amount of interest you pay.
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A professional business valuation provides you with profound insight into your own business as well as businesses with which you are considering mergers or acquisitions.
Typically, a business valuation is a pre-requisite for financing and sale as well as when you are re-structuring your business or allocating the value of shares. It is also usually required for many legal settlements including resolving succession or estate disputes and re-negotiating supplier contracts.
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Are you an employee that has been underpaid super by your employer? If you think that’s the case, and you’re keen to claw back what’s rightfully yours, there’s a few routes you can take.
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Did you know that you can boost your super savings by using the unused carry forward concessional contributions cap?
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In what has been touted as the most significant changes to Australia’s insolvency framework in 30 years, the government has implemented changes aimed at reducing costs and cutting red-tape which are designed to help small businesses recover from the impacts of COVID-19 on the economy.
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When it comes to investing, the main asset classes are cash, fixed interest, property, and shares. Importantly, each asset class (and sub-asset class) has its own unique characteristics.
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Much like new year celebrations, Australian shares ended 2020 without fanfare. The ASX 200 added a modest 1.2% in December to end the year up only 1.4% in what was a tumultuous year for all markets.
The IT sector was the best performing in December, returning 9.5% over the month and 57.8% over the year. Unsurprisingly it was Afterpay that led the tech pack in 2020, tripling in value as consumers continued to flock online and ditch their credit cards. Afterpay announced that it exceeded $2 billion of monthly underlying sales in November—more than double the $1 billion of underlying sales in November 2019. Machine learning and AI specialist Appen downgraded its 2020 earnings guidance, citing the impact of lockdowns globally— especially in California where its heavyweight technology clients reside—and a weaker US dollar.
Australia’s economic recovery has found solid footing, underpinned by low Covid-19 case numbers nationwide and news of successful vaccine trials. After weeks of zero new case numbers, Victoria has relaxed its restrictions. Up to 100 people can attend public gatherings such as weddings, while one quarter of office workers can return to the office (this will increase to one half from 11 January 2021). At its December meeting the Reserve Bank of Australia left interest rates unchanged at a record low 0.10%. The board anticipates no increase in the cash rate for at least three years, while the size of the bond purchase program will remain under review and dependent on the outlook for jobs and inflation.
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According to the World Health Organisation, physical activity is any bodily movement produced by skeletal muscles that requires energy expenditure. Examples of this can include activities such as sporting and leisure
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