Dale W.

Ormiston, QLD

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I have just set up my own business and want to ask about super. I’m a sole trader and just starting out so do I have to make super contributions based on the income I earn or can I wait until the business is making more money

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6 years ago

Cathy D.

Rosebery, NSW

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Last year the bank cut the rate on our home loan from 4.72% to 4.25% - at the time we were very happy but can I ask if our rate is too high and is now a good time to be looking at fixing some of the loan?
Thanks

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6 years ago

Sally T.

Balgowlah, NSW

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Hi, I started a little business making cakes and sell at the markets and privately through word of mouth. It’s starting to do really well and would like to ask if I should have some sort of insurances in place. The turnover was just over 40k to June 2018 and now doing about $7,000pm. I’d appreciate some help, thank you

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6 years ago

Diane S.

Oxenford, QLD

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Asking for a friend who lives in an Retirement Village -
She has a small unit, half the size of many other dwellings, the house takes up the whole block. She pays the same land rental as the larger dwellings and their larger sized blocks which can accommodate caravans, boats,etc.
Is there any avenue that can be tried to get her payments more in line with her
very small imprint. ????

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6 years ago

Isabel G.

Lilli Pilli, NSW

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0 Followers

Hi, we have put an offer on a new home and concerned the agent hasn’t passed it through to the owner. Is it ok for us to submit the offer directly to the owner … put in their letterbox?

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6 years ago

Jason F.

Hamilton, NSW

2 Likes
0 Followers

I have been running my online business for 2 years ago and 6 months ago an old business colleague started helping out with advice. I haven’t been able to pay him a full salary but we’ve spoken about having some equity as a reward and ongoing incentive. Some of the advice relates to him having to pay capital gains tax straight away of the value of the shares. Is this correct and what other options are available?

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6 years ago

Matt P.

Pennant Hills, NSW

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Hi, I finished up with my employer of 18 years yesterday and have a good sum of money to invest. What options are there to get a reasonable return instead of the money sitting the in the bank?

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6 years ago

Jonah W.

Ormond, VIC

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0 Followers

Hi,
I have a SMSF and finding it difficult to maintain it time wise. Is it possible to unwind and what do I need to do?
Thanks

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6 years ago

Seb A.

Randwick, NSW

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0 Followers

Hi,
Are there any lenders that will look at 6 units on the one title?
Property is in Abbotsford and but we keep being told the maximum number of units is 4 – the refinance is about 65% of the value of the property. Any advice?

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6 years ago

Mark T.

Charlestown, NSW

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Hi, we are putting our business on the market and want to ask if a buyer gets any benefits from the carried forward loses from our first 2 years setting up the business. Thanks?

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6 years ago

Daniela P.

Taren Point, NSW

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We have been trying to find out if there is a limit to how much we can gift our eldest son and remain tax free. We have been getting mixed messages as it is a significant amount, is there a limit… thanks in advance

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6 years ago

Phillipe C.

Rosebery, NSW

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About to sign commercial lease for the first time. The owner is offering 3 months rent free and the fit out which is about $25,000.... 3 x 3 years . They want a make do clause after the 3 years which we don’t understand.... is this normal?

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6 years ago

Jane C.

Chermside, QLD

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Hi,
Our mum wants to gift some money to the kids and grandchildren. We need a second opinion and whether she or we have to help her (she’s in her late 70’s) set up a trust account and is there anything else we need to know?

Thanks

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6 years ago

Gurinder P.

Campsie, NSW

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My wife and I work full time ..have a 3 year old in child care. We have $100,000 deposit from an inheritance from overseas and want to buy a home. My salary is $78,000 and my wife is a contractor and earns about $60,000. How much could we borrow?

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6 years ago

Joel K.

Summer Hill, NSW

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I’m in my last year at Uni and have a job starting in February next year in I.T.
For the last 6 months I have been doing freelance work and have earned around $30k. I want to keep doing this work when I start the job but as my starting salary is $85k will that mean I will need to set up a company and register for GST for the freelance work?

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6 years ago

Tony M.

Gymea, NSW

2 Likes
0 Followers

Hi, we are about to engage a builder for renovations and the quote has come in at $600,000. The builder is buying the materials on our behalf and we assume paying GST on the costs so if we breakdown the quotes should we then be paying further GST based on the builders overall quote?

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6 years ago

Mel W.

Dee Why, NSW

1 Likes
0 Followers

Hi - I have been contracting for 4 years and just been using a business name and ABN. My income is now consistently $12-13,000 a month and wondering whether it’s time to set it up under a company – what would be the benefits to do so?

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6 years ago

Nathan B.

North Wonthaggi, VIC

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Hi i had been working for an employer for 12 months and they did not oay super my question is if they were to pay what was owed do i have the right to ask for it in cash so i can oay it into my fund personally or do they just have to pay into a nominated fund i am not confident they will pay unless i ask fir cash but im unsure if i can ask legally for it in cash thankyou

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6 years ago

Mitch G.

Williamstown, VIC

4 Likes
0 Followers

We are on a variable rate loan at 3.82 and thinking about fixing all of part of the loan for 2 or 3 years. Is now a good time and what are the best fixed rates at the moment?

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6 years ago

Patrick M.

Leonay, NSW

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Home Loan $523,000
Rate – 4.17%
My income – 97k plus super
My wife’s income – 102k plus super
Credit card limit $3k
2 kids 9 and 7
No other loans or debts and we have been in the same job for over 3 years

What is the best rate we could get by refinancing?

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6 years ago