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What does the Reserve Bank rate cut mean for you?

Earlier this month, the Reserve Bank of Australia slashed the official cash rate by 25 basis point to a record low of 2.25 per cent. What does this mean for you? CHJ Financial finance expert, Eddie Harrison, has the answers. Cheaper loans By banks passing on the savings, money will be cheaper, meaning home buyers can lock in finance at a lower rate – leaving more money in your pocket. Savings, of course, depend on the amount borrowed. Based on an average Gold Coast loan size of $500,000 and an interest rate of 4.69%, home owners paying both principal and interest…

We’re a lucky country, but will you have enough for retirement?

If you were to watch the news recently (by recently I mean in the last 2 decades) you would think that Australia maybe about to lose its ‘Lucky Country’ tag. However research released by Credit Suisse Research Institute has Australia fairing very well in the wealth rankings. The richest nations in the world are classed as those with a wealth per adult figure of over USD 100,000. Below is a table ranking these nations in order of wealth per adult. *Dollar appreciation and strong equity performance has resulted in this significant increase and new world record for the Swiss. Australia…

Lets make your money work better for you!

Happy New Year to our valued clients and friends, If you’re considering a new car, home or want to be smarter with your money in 2015, CHJ Financial now has a dedicated finance arm available exclusively to our clients. Introducing Eddie Harrison. With extensive financial and accounting experience, Eddie can offer you expert advice and extremely attractive rates for car loans, home loans, investment loans and Self Managed Superannuation Fund loans. As part of the CHJ Financial team, Eddie will work closely with Shaun, James and the team to make the process simple for you. More importantly, the team will ensure your debt is structured effectively,…

Streamline Your Sales Process With Xero Quotes

Some good news to kick off 2015 — a new release of Xero! The standout feature of this release is Quotes, giving you the ability to quickly and easily create and send a quote and turn it into an invoice (when the quote is accepted). Quotes can also be customised to meet the specific needs of a business. An updated Sales Dashboard also makes it easy to look up the status of a quote and see what quotes are in play. Xero have made some other nifty improvements, so you can customise titles in text blocks in the latest reports,…

Can we FIX it? The Fixed or Variable Loan Debate

It’s inevitable that with a historically low cash rate coupled with fixed home loan rates at never seen before lows as of late last year, the debate to fix your home loan or stick with the variable rate is on. Fixing your home loan raises many questions… Is it too early? Is it too late? What features will I lose? Is it hard to do? If you’re asking these questions then you’re asking the right questions. Fixing your home loan can be an incredibly smart option while rates are low but as with all financial matters it depends on your…

How can Xero help your retail business?

Retail is about record keeping Theres a lot to think about when running a retail business. Good accounting software can make life easier, helping you manage jobs like inventory, staff payroll and taxes. Heres how it could work for you. There are many different types of retail operations, from eCommerce and mail order to direct retail, pop-up shops, catalogues and more. As a small business owner you might use more than one type, depending on the products youre selling. But as any retailer knows, success involves more than just exchanging goods for money. You need to understand product merchandising, advertising and marketing, stock control, customer…

Are you the Tax Man’s Target?

If you work then the answer is probably YES. Unlike recent years, instead of a specific industry, this year the ATO intends to target specific work related expenses. These areas include: 1. Claiming a computer, phone or other electronic device as a work-related expense 2. Transporting bulky tools and equipment 3. Overnight work-related expenses This pretty much covers everyone. If you use a computer, phone, tablet or ‘other electronic device’ the good news is that there’s a good chance you can make a claim. However, it does mean that your claim must be accurate and you must be able to…

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