About B2B Editor

Salary sacrifice is where a portion of your income is paid to your superannuation fund rather than to yourself directly. Contributions made to superannuation through salary sacrificing are paid from your "before-tax dollars" and is a strategy that can be used to reduce your taxable income. Making regular contributions can be an effective way to reduce your income tax and...

One of the most important steps in the process of dividing your assets is to identify and value the "asset pool". Both you and your former spouse have a duty to disclose assets that exist at the time of your settlement or assets to which you may have an entitlement in the foreseeable future (such as a deceased estate or...

Regular readers of this column would be aware that the Australian Institute of Company Directors' role is to improve the quality of governance for the betterment of the economy and society. While much of our focus is seen as being at the 'top end of town', we are just as involved in assisting small family businesses or not-for-profit organisations and...

Since the global financial crisis the business and lending climate has been tighter than in previous years. Countries have experienced double dip recessions and businesses locally have been holding on to their cash for longer due to the changes. The flow-through effect of big business holding cash has put a squeeze on smaller entities' working capital. As a result there...

One of the most polarising federal bud gets in decades, talk of double dissolutions and a unpredictable Senate - with an early election not out of the question, now is a good time to ensure that both you and your business are up to speed on your disclosure obligations when it comes to making financial or other donations to political...

It's a much-vexed question in modern commercial practice; "can I trade out of a debt laden entity through a new structure?" Those at the regulatory end of the business spectrum are often quick to quip "No! That's a phoenix." - as though the mere mention of the name 'phoenix' invokes an evil connotation equivalent only to being diagnosed with the...

In my last two columns, I introduced you to two of my favourite mobile applications - Xero and Receipt Bank. I use them on a daily basis and consider them to be part and parcel of my business. The growth in use of mobile devices has led to an explosion in the development of mobile applications. Small-to-medium businesses are using...

Redraw has become a standard feature of home loans, with many home owners taking advantage of accessing extra money at their home loan interest rate. 1 Simply put, redraw gives you access to additional payments you have made to your loan, allowing you to withdraw that 'extra money' if needed. 2,3 Many people choose to contribute additional funds to their...

Research has consistently shown that most Australians are underinsured and do not possess a level of cover sufficient to protect themselves and their family's way of life. In Australia, over 5 million families have dependent children but only 4 per cent of these families possess insurance which will allow them to maintain their current lifestyle for 10 years or more....

Fiducian Financial Services (Deakin) are specialists in helping clients with tailored solutions to effectively manage their Commonwealth superannuation schemes along with a suite of other financial planning services. Principals Ian Hosking and Cameron Darrow met in the Russell Offices 18 years ago when Ian was an artillery officer and Cameron an army logistics officer. From there, the journey began. After...

"OUR RESPONSIBILITY IS TO MAXIMISE THE PROBABILITY OF YOU ACHIEVING YOUR FINANCIAL & LIFE GOALS." Up until now, Australian businesses have been able to insure against the negative financial impact that can arise if a key person dies, suffers from total permanent disability or a trauma event. However, the unexpected temporary absence of an owner or income-generating employee due to...

Specialists in personal, business and corporate financial planning services We believe financial planning is not only about the quality of advice, but more importantly it's about a trusting relationship and the reliability of the people helping you to manage your wealth. The difference at RSM Bird Cameron Financial Services (RSM BCFS) is that we take the time to understand you...

Most Australian workers are covered by a Modern Award set down by the Australian Industrial Relations Commission (now known as the Fair Work Commission or FWC). Modern Awards are generally specific to a particular industry - such as Retail Sales, or Construction, or Restaurants - and set out the minimum wages and conditions of employment that apply by default to...

The 2014 ACT Chief Minister's Export Awards celebrate the excellence of our exporting industry. We are a city of innovators and entrepreneurs and the fact that our exporting industry has grown by 10.7% over the last five years is testament to that. The ACT Government's recent trade mission to Singapore was an important stage of the Canberra's business growth. Three...

Canberra businesses have the confidence, expertise and products to make a mark in Singapore and right through South-East Asia. Canberra exporters are making an impact on the world stage and bringing to life the opportunities that are emerging from our vibrant innovation and knowledge intensive economy. It appears uncertainty from the contraction of the Commonwealth public service has only strengthened...

The goal of any online marketing or advertising is conversion. Small businesses spend hundreds and thousands of dollars on online advertisements to promote their products and services. Many of those adverts direct potential customers to the main website or a generic web page. The result is, poor lead conversion. Valuable leads are lost because of poor quality landing pages. Here...