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Cash flow tips for businesses thriving and surviving the pandemic

Cash flow tips for businesses thriving and surviving the pandemic

Australia is a tale of two economies right now, depending on the state or sector your business is based in. Today we’ll run you through three cash flow tips for your business, whether it’s growing or struggling.
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Buy Now Pay Later users put on notice by credit agency

Buy Now Pay Later users put on notice by credit agency

Do you use a Buy Now Pay Later (BNPL) service like Afterpay or Zip? If so, be warned that one leading credit reporting agency has made a big change that means your BNPL data will go onto your credit report.
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What’s the best day to auction your house?

What’s the best day to auction your house?

Drive or walk around your local suburb mid-morning on a Saturday and chances are you’ll pass a few freshly banged up ‘Auction’ signs. But is Saturday actually the best day to auction your home? New data suggests perhaps not.
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Need help paying your insurance and workers comp premiums this year?

Need help paying your insurance and workers comp premiums this year?

As if Australian business owners hadn’t faced enough challenges this past year - now the dreaded annual insurance and workers compensation premiums will soon arrive in mailboxes. Here’s how to smooth ‘em all out (and get an early bird discount!).
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Green thumbs beware: one-third of veggie gardens contaminated with lead

Green thumbs beware: one-third of veggie gardens contaminated with lead

One of the most exciting things about moving into your own home is doing whatever you want with it, such as growing your own veggie patch. But did you know more than a third of Aussie backyards are contaminated with lead? Here’s how to get your soil tested for free.
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How much extra will your mortgage cost when interest rates rise?

How much extra will your mortgage cost when interest rates rise?

After 18 straight RBA cash rate cuts it can be easy to dismiss the notion that interest rates might rise again. But if the cash rate returned to mid-2019 levels, how much extra would an average new mortgage holder expect to pay each month? Let’s take a look.
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It’s on! First home loan deposit schemes open for applications

It’s on! First home loan deposit schemes open for applications

If you’d like to buy your first home with just a 5% deposit and pay no lenders mortgage insurance (LMI), then you better act quick, as thousands of first home buyers are expected to rush to apply for the limited spots up for grabs.
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EOFY alert! Financial year end just days away

EOFY alert! Financial year end just days away

Small business owners wanting to buy a vehicle, asset or important piece of equipment and immediately write off the cost only have a few days to act this financial year.
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Property price caps increased for first home loan deposit scheme

Property price caps increased for first home loan deposit scheme

First home buyers can now purchase more expensive properties under the federal government’s hugely popular 5% deposit, no LMI scheme.
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Size matters: how to get more bang for your buck on property sizes

Size matters: how to get more bang for your buck on property sizes

An increasing number of Australians are prioritising larger homes and bigger blocks in their house-hunting endeavours since the pandemic began. But where to look? Well, a new search tool helps you calculate which suburbs offer the best bang for your buck.
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Aussie businesses load up on light commercial vehicles

Aussie businesses load up on light commercial vehicles

Australian businesses have shifted things up a gear this year, with new asset finance figures revealing a 187% rise in light commercial vehicle purchases since January.
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33 suburbs where buyers still have the upper hand over sellers

33 suburbs where buyers still have the upper hand over sellers

Most of Australia may be a seller’s market right now, but there are still a few dozen suburbs around the country where there’s more housing stock available than in previous years. Today we’ll check out which 33 suburbs are still offering plenty of options for buyers.
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4 in 5 hopeful buyers don’t understand key financial concepts

4 in 5 hopeful buyers don’t understand key financial concepts

While most Australians dream of owning their own home, the majority of hopeful homeowners admit they don’t fully understand how home loans or mortgage rates work. That’s why we make it our mission to enlighten you during your home buying journey.
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Pedal to the metal: EOFY is officially bearing down on us

Pedal to the metal: EOFY is officially bearing down on us

Keen to buy a vehicle, asset or another vital piece of equipment for your business and immediately write off the cost? Well, you better get cracking, as we’re officially entering end-of-financial-year territory.
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“Tide turning on interest rates”: CBA hikes fixed rates

“Tide turning on interest rates”: CBA hikes fixed rates

Australia’s biggest bank has hiked its three-year fixed rate for owner-occupiers in a further sign that “the tide is turning on interest rates”. So if you’ve been thinking about fixing your interest rate, it could be high time to do so.
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Want to switch home loans? Here are ASIC’s top tips for refinancing

Want to switch home loans? Here are ASIC’s top tips for refinancing

With interest rates at record low levels, we’ve seen a big increase in homeowners wanting to refinance this year. So this week we’ll look at some of ASIC’s top tips for refinancing, plus some of our own for good measure.
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SMEs to get full asset write-off extension and fairer go with ATO

SMEs to get full asset write-off extension and fairer go with ATO

Small businesses in dispute with the ATO over their tax debt will get “a fairer go” under new rules proposed in the federal budget. Meanwhile, one-year extensions have been granted for the full asset write-off and loss carry-back schemes. Let’s break it all down.
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Single parents and first home buyers get big budget boost

Single parents and first home buyers get big budget boost

Single parents saving for a property and first home buyers are the big winners from this year’s federal budget. Today we’ll break down the three schemes that will help them crack the property market sooner.
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Is it cheaper to buy or rent your next home? You might be surprised

Is it cheaper to buy or rent your next home? You might be surprised

While it might feel like property prices are skyrocketing out of reach, the majority of Australian homes are actually cheaper to buy than rent over the next decade, according to a new report.
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Has the housing market’s latest record-breaking run peaked?

Has the housing market’s latest record-breaking run peaked?

Property prices climbed at a breathtaking pace in early 2021, which has been good news for homeowners and heartbreaking for house hunters. However, there are seven key signs that the pace of capital gains has peaked, says CoreLogic.
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Shop 12, Kingscliff Shopping Village

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PO Box 1218

Kingscliff NSW 2487

paul.cluff@moneysmithgroup.com.au

M 0433 149 788

AUTHORISED REPRESENTATIVE

Paul Cluff and PCFC Group Pty Ltd, ACN 615 084 243, ATF The PCFC Group Trust ABN 56 993 890 932 trading as MoneySmith Financial.

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AUTHORISED REPRESENTATIVE

Paul Cluff Credit Representative Number 383304 and Skyeblu Pty Ltd, ACN 108 370 341, trading as Moneysmith Australia.

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GENERAL ADVICE WARNING

Please be aware that any advice that may have been given or implied is general advice only. We have not taken into consideration your individual needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.