EQUIS blog, news and articles

Passion, Purpose, Profit - LIPS Revivial Seminar, 18th October 2011

Thu, 06 Oct 2011 05:13:00 GMT

If you have ever wanted to know what is your true purpose, ever really thought about your deepest desires and passions and ever wondered how on earth you can turn them into a lifestyle with profits then "read our lips!" - you won't want to miss this event!!

Date: Tuesay 18th October 2011
Time: 5.30pm to 10.00pm
Where: See Plus Function Centre, The Wharf, Mooloolaba QLD 4557

Download Flyer : LIPS Revival on the Sunshine Coast

Click here to book your seat through the Bermingham Books website.

Think & Grow Rich Magazine

Fri, 30 Sep 2011 14:00:00 GMT

The new Think & Grow Rich magazine (founder Jamie McIntyre) is available in newsagents across Australia NOW!

Our very own Jodie McIver is expert writer and contributor for this fabulous new publication. Pick your copy up today!

Jodie is also heading down to Melbourne this month to attend the 21st Century Financial Education Summit and personally invited to the Richard Branson cocktail party.

Women's Lifestyle Expo - 9th and 10th September 2011

Mon, 05 Sep 2011 08:46:00 GMT

This year is the third Women's Lifestyle Expo and it is going to be bigger and better than ever before! Aimed at Women of all ages, there will be a wide range of exhibits including fashion, jewellery, make up, lifestyle, finance and community. There will also be 30+ FREE workshops running over the two days, demonstrations throughout each day, fashion shows, live entertainment, a free pamper room and lots more!

With free entry into the Expo, we are expecting a great turnout. Bring your friends and make a day of it. Don't miss it!!!

Date: 9th & 10th September
Time: 9am - 4 pm
Location: Lake Kawana Community Centre

Have a look at the website for more details!

SPECIAL GUESTS



On Friday at 12.30pm Lisa Curry will be sharing her expertise in a FREE workshop titled "Lose weight, feel great! It's not rocket science!". Come along and meet Lisa and learn from her years of experience in sport and the fitness industry.	We are excited to announce that bestselling female author and 'Four Ingredients' star Rachael Bermingham is attending the Expo and hosting a FREE workshop Friday at 10.00am, titled 'How to write a book and make it a bestseller'.	Another special guest is Allan Pease. Allan, also known as "Mr Body Language" is presenting a FREE workshop on Saturday at 11.00am on "Men and Women - Communicating for Results". Allan will also be signing copies of his books in demonstration area from 1.00-2.00pm.



WIN! Everyone attending the Expo has the chance to enter our free prize draw to win loads of amazing prizes and giveaways!		Fashion Parades V Management and Faye Rolph Academy will be presenting two fashion parades during the Expo. The parades will showcase the latest stylish accessories from various exhibitors! Parade times Friday 9th: 12.00 - 12.30pm Saturday 10th: 10.00 - 10.30am

Passion, Purpose, Profit LIPS Event - New Date

Thu, 01 Sep 2011 23:56:00 GMT

The Passion, Purpose, Profit Lips Seminar that was to be held on the 7th of September 2011 has now been rescheduled to Tuesday 18th October!

Make sure you put this event in your calendar and get in and purchase your tickets now!

Debt! Is it the devil in disguise?

Wed, 31 Aug 2011 00:19:00 GMT

Debt. Is it the devil in disguise or a useful tool to help us increase our standard of living?

It can be both, depending greatly on your knowledge and understanding and how to manage it.

The Global Financial Crisis can attribute much cause to the ‘out of control’ nature and panic due to debt. “Debt” as most of us know it, is receiving money up front and used for the purchase of goods and services which will be paid back at some point in the future, generally with interest.

Debt can be classified into different categories, typically “good debt and bad debt”. This helps us understand the purpose of debt and how much debt we can handle. Bad debt is where there is no return (on the purchase made) from money borrowed, it is not tax deductible or is any debt we cannot afford to repay.

This type of debt usually includes credit cards, personal loans for items such as cars, televisions and general living expenses and in technical terms your home (principal place of residence as the debt is not tax deductible, however many people would argue this is not bad debt).

Good debt is one where the asset purchased from the borrowed money generates wealth and has tax deductibility. These ‘income producing assets’ such as real estate, shares or your business may sit in this category. You might ask yourself why put ourselves into debt at all, but there is a very real need for debt as a sound way to accumulate assets, if managed correctly. Debt can be a very powerful tool allowing us to be able to purchase goods which we cannot afford to pay for outright such as a business or commercial building, but we may be able to easily service the principle and interest associated with the borrowed money.

Good debt management is the key to keeping the stress of borrowing under control. All loans and borrowing involve some form of risk and some stress can be a good thing eg: motivation to act sooner rather than later if things are not going as planned. Good management of debt involves a plan. Why do you want debt? How much debt can you manage and for how long?

Most ‘bad debt’ is accumulated on your credit card, personal loans or store cards which incur high interest charges, fees and get completely out of control very quickly. Bad debt needs to be eliminated (paid off ) as quickly as possible. A great tip is to choose credit facilities with low interest rates and has a long interest free period as possible with low or no ongoing fees. Forget about the gimmicks and perks associated with credit cards, they are only designed to ultimately get you to pay interest on a higher amount of money for a longer period. Paying off the minimum amount each month will never see you paying off your credit card debt so it is good practice to pay off a little more than you owe prior to interest free period ending. If you cannot repay your debt prior to the interest free period in full, than you may have more debt than you can manage. The same can be said for personal loans, they should also be paid off as quickly as possible and always pay more than is required if you can.

Good debt and bad debt can be blurred in their definition and purpose, however education and clarification around what kind of debt you have will go a long way in allowing you to manage and utilise ‘good debt’ where possible. Rules of thumb in relation to lending include;

• Minimise ‘bad debt’ and embrace ‘good debt’ where you can
• Do not create more debt than you can honestly afford
• Do not restrict your cash flow so tight you have no room for emergency funds
• Don’t be afraid of debt but respect, understand and constantly manage it

Yours in prosperity,
The EQUIS Team

Billionnaire bargain hunt!

Sun, 28 Aug 2011 02:28:00 GMT

For many investors, this is a time when cash is guarded closely and they are hesitant in investing in anything other than a bottle of wine! But for some investors, especially the rich, who have seen market turmoil before, aren’t afraid to buy in where other's fear to tread!

With the price of many assets tumbling, wealthy investors are diving into markets around the world looking for buying opportunities.

A classic recent example is one of the world's best and most famous investors, Warren Buffett. Mr Buffett has always said investors should be greedy when others are fearful, and he made that very clear this week by investing $US 5 billion in Bank of America.

This 'bargain hunting' purchase comes after the Bank of America had seen it's share price fall by almost half this year and Mr Buffett not only paid a good price for the stock, it also included 700 million warrants (which have a strike price of $US7.12!)

Some reports suggest Buffet’s paper profit is already as much as $US3 billion!

So, are you an investor who dives in where others fear to tread, or waiting patiently in the wings for the anticipated recovery? Definitely food for thought.

Passion, Purpose, Profit - LIPS Revivial Seminar 7th September 2011

Tue, 16 Aug 2011 14:00:00 GMT

Date: Wednesday 7th September 2011
Time: 5.30pm to 10.00pm
Where: See Plus Function Centre, The Wharf, Mooloolaba QLD 4557

Download Flyer : LIPS Revival on the Sunshine Coast

Click here to book your seat through the Bermingham Books website.

Credit Card Scam

Fri, 29 Jul 2011 06:01:00 GMT

We have received a message regarding a current credit card scam that is operating and believed it would be valuable to share this with as many people as possible.

Please click on the link below to read the briefing from the Australian Federal Police.

Credit Card Scam

Gen Y Making Smart Decisions

Wed, 27 Jul 2011 00:55:00 GMT

Building a 'nest egg' rather than a place to nest....great work Gen Y!! A recent survey by Mortgage Choice has found that Gen Y are a savvy generation when it comes to money and appreciate the need to grow assets and minimise their living expenses were possible. Read more here: http://www.moneymanagement.com.au/news/gen-y-purchase-for-investment-first

Free Financial Tools

Tue, 12 Jul 2011 11:12:00 GMT

Got questions? Get answers! Seriously sort out your situation! With our quick, easy to use FREE Financial tools - our Facebook family LOVES them - budget planners, investment calculators and business balance sheets!

How much do I need to retire? Should I refinance our mortgage? How much tax am I paying? EQUIS Group has developed a series of FREE Financial Tools available on our website for immediate download, together with our Advanced Financial Tools to help answer even the toughest of YOUR questions!

http://www.equisgroup.com.au/free_downloads

Will a carbon tax cost you more?

Mon, 11 Jul 2011 03:10:00 GMT

This interesting article suggests our 'living expenses' are set to rise by $200 a year, with a new survey suggesting Victoria will be hit "first and hardest" as a result of reliance on coal-fired electricity plants in the Latrobe Valley, which provides about 90 per cent of the state's electricity - there is a lot of negative publicity around the issue however there are still many who believe we are better off with a Carbon Tax. What are your thoughts?

Wish to own your home sooner?

Wed, 06 Jul 2011 14:00:00 GMT

Home ownership - the great Australian Dream!

Now is a great time to think about ways to reduce your home loan and whilst many of us high personal debt, today’s household savings have reached 10.7% of disposable income – the most in 24 years - according to data by Mortgage Choice an Australian Mortgage Broker. There are plenty of advantages to owning your home earlier but most people feel that small extra amounts don't create a real dint in their mortgage.

Truth be told, any small 'extra' amounts paid can be a great way to reduce the debt overall. For example, just by making fortnightly repayments (equal to half your minimum monthly repayment) means you pay one extra monthly repayment each year! In addition, try and contribute lump sums whenever possible. Not only does this reduce interest owed and the loan term, but you may also build up home equity earlier which may be put to good use in other investment areas - if your risk profile and time frame allows.

This time of year is also perfect to consider making additional lump sum contribution with your tax return - for example, $1,000 into a $300,000 loan (at 7% over 30 years) at Yr 1, reduces the term by one month and the interest owed by just over $2,360. It doesn't sound like a lot but if you did this each year the savings are enormous. Some home loans also allow you to build a 'buffer' into your mortgage by contributing to an offset account - to use later if you need it, but it reduces the interest owed in the meantime. If you put your savings ie. $5,000 into an offset account the loan term on that $300,000 loan would be reduced by almost a whopping two years and you would save over $33,000!

Definitely great tools in allowing you to 'own your home' sooner - which still appears to be the great Australian dream!

Do you control your money, or does it control you?

Wed, 29 Jun 2011 14:00:00 GMT

Are you making the most of every cent that comes into your household? Do you know how much comes in, and how much goes out each month? Do you have any money left over for saving?

A budget can answer these questions and many more. It doesn’t need to be a tedious or time consuming exercise, a simple ‘spending plan’ is quick to create and may provide valuable harmony that comes from being ‘financially’ in control.

A Budget or Spending Plan does three very important things:

It can provide some stability and regularity to a de-cluttered, disorganised financial situation.
It can uncover any potential financial problems, when and how they are occurring, so that you can make changes to improve the situation.
It can provide ‘peace of mind’ to ensure you are doing everything within your power to maximise your financial situation – good, bad or ugly!

There are 3 simple ways you can create a budget:

You can cash in your pay or income each month/week, divide the cash into different envelopes marked with the intended purpose i.e. Rent/mortgage, groceries, fuel, school fees, electricity bill, credit card etc.
Set up a spread sheet or download from our website and fill in the variable
Get 3 highlighter markers and your bank statements (savings & credit cards). Highlight all your ‘fixed’ spending in one colour - these are the bills that you have to pay and don’t really change in value i.e. rent/mortgage, school fees etc. Then with your next colour highlight the spending that you need to make but could reduce a little i.e. food, fuel, electricity. Finally, with the last colour, highlight all those expenses that you could have really gone without if you needed to ‘baton down the hatches’ for a bit to make real change….you know the ones; the clothes, shoes or bags you ‘had’ to have, the regular trips to the local bottle shop or stopping on your way home for milk, and buying chocolate, chips or magazines too! All of these purchases can be reduced or even eliminated if money is tight, you are saving for something special or your credit cards are overdue!

A budget is not just about limiting what and how you spend your money. A budget is simply a measure of ‘what comes in to the household verses what goes out’ each month.

From there, this tracking of income and expenditure allows you to see crucial spending patterns you may be able to address, errors in statements or income payments and any other issues or over-commitments. Ignorance is not bliss when it comes to your financial matters. When you become aware of just exactly where your money is going each month, it is up to you to make the changes.

Change can be difficult for the best of us however, it is crucial if you are to improve your financial outcomes. Remember the old saying - if you always do what you’ve always done, then you will always get what you’ve always got.

Below is a list of hints & tips that can also assist in saving the odd dollar here and there – don’t forget ‘every cent saved, counts’. Monitor where your hard-earned money goes and you will reap the rewards over time with peace of mind, reduced debt and increased savings!

Financial Hints & Tips to getting the most out of your money!

Start now, regardless of how small – DE cluttering your office, organising your paperwork, saving the gold coins in your car, handbag or wallet – it all adds up.

Keep all receipts, regardless of how small as they may be useful in claiming tax deductions end of financial year.

Read your bank statements each month to ensure you are not ‘incorrectly or mistakenly’ overcharged for any items or paying too many fees/charges etc.

Plan your meals a week in advance, what grocery items do you need? Prepare a list and only purchase items on your list.

Speaking of which, don’t go grocery shopping when you are hungry. Do one grocery shop and not lots of regular little trips to the convenience store and consider buying dry food goods in bulk – all to save money.

Limit your budget busters - on-line shopping, eating out and alcohol purchases - as like most things, if buy or do these things regularly, they can wreak havoc on the very best of intentions and budget plans!

Consider only buying fruit and vegetables that are in season as it will be a lot cheaper, fresher and readily available. Consider that any ‘labour saving packaged’ foods such as grated cheese, bagged lettuce or ready-made meals are convenience foods, and you pay a lot more for – perhaps consider buying your own ingredients and do the work yourself to save money.

Brand name foods are not necessarily any cheaper than generic brands. It is hard these days to consider buying organic, Australian made and owned, when a lot of our fresh food is sent offshore and we sometimes import substandard goods cheaper. Harder, but not impossible so keep an eye out for changes you can make and then spread the word when you find a good product meeting your standards.

Shop at discount stores for everything from groceries to stationery and toys.

Try not to buy impulsively – if after 14 days you still really need/want the item then the purchase becomes planned - you have allowed yourself time to remove emotion from the mix.

If there is a beauty school or Hairdressing College in your area – get your hair and beauty treatments done there for a fraction of the price of regular salons – they are supervised by professionals and staff learn the latest styles and techniques.

Consider avoiding regularly buying bottled water – buy yourself a water filter jug and refill your bottle as often as you like.

Coffee habits are the same as bottled water - make a cuppa at home and save your $3 a day. Some people can save upwards of $1,000 a year by removing their regular coffee and bottle water habits.

Check with your banks that you have the very best mortgage, bank accounts and credit cards available. Ask them for better deals, to save you money and make you a happier customer.

Consider selling unwanted items such as furniture, white goods, DVDS, clothes etc. on-line (i.e. EBay). This is a great way to de-clutter your home and free up some cash flow. Just be mindful not to purchase as much as you are trying to sell!

Quit any vices – such as smoking, regularly eating chocolates/lollies or large alcohol consumption – not only will it improve your health but your wallet will be forever grateful too.

Make large meals when cooking and freeze leftovers for your lunches or another dinner when you are too tired or busy to cook. It saves both time and money down the track.

Rent library books, DVDs and look for FREE activities for the kids such as the park or beach rather than expensive theme parks, movie theatre or shopping trips on a weekend.

Bundle your insurances, utilities (phones, internet, cable) and superannuation policies to potentially save you hundreds of dollars in each sector.

Pay your bills before the due date to save penalties and incur the often offered ‘discount’ if paid on or before their due date.

Never boil a full kettle, turn off all lights when not in use, turn switches off at walls rather than on ‘standby’ and not only will you save electricity dollars, the environment will thank you too.

Look for coupons, happy hour, cheap Tuesday or two for one deals when considering eating out or takeaway meals. Often restaurants will give discounts or ‘kids eat free’ to encourage patronage on their quiet days.

Consider taking a second job – secret shopper, typist/administrator on-line,

Look for daily deal or discount websites offering some great bargains – just be sure you really need or want those items before purchasing otherwise it blows the budget and falls under impulse buying.

Consider teaching your children the value of the dollar by paying an allowance for jobs they do around the home – they can save up and spend the money they ‘earn’ on whatever they like, teaching them valuable decision making values - and it frees up your cash flow by not constantly buying them items each week.

School fees - can we claim some of it?

Tue, 28 Jun 2011 14:00:00 GMT

The answer is - probably YES.   

Hopefully your school issues an itemised account so that you can see what the lump sum is made up of (if they don’t, you might be able to request it). There are many elements that have no impact on your tax, but there are two components to look for:

1) Building Levy - this is an eligible Gift or Donation at Item D9 on your tax return; and
2) Resource Levies, book levies, stationery charges - these are all claimable under the Education Tax Refund, so long as you are eligible for Family Tax Benefit Part A.

Just some food for thought at tax time.

Do you have Health Insurance?

Sun, 26 Jun 2011 14:00:00 GMT

Health Insurance - it could be costing you without it!

Are you aware that if your taxable income is above $77,000 (for singles) or $154,000 (family), then you will be required to pay a Medicare Levy Surcharge of 1% - that’s on top of the 1.5% Medicare Levy that is paid on all incomes above $18,488 - unless you have eligible private hospital cover.

If your taxable income is $80,000, then that will be $800 less in your tax refund. 'Hospital Only' cover premiums may come in below $800 a year, so you could be saving money and have the benefit of private hospital cover too - certainly worth researching a little more.

At this point, it’s too late to obtain cover to avoid the charge for the 2010-11 year, but you would be exempt on a pro-rata basis for the number of days in the year that you do have cover. And of course, if you start today, you will be covered from the very beginning of the 2011-12 year.

Check the ATO website for details and to ensure you get complying cover.

Do you have school age children? You may be entitled to an Education Tax Refund!

Thu, 23 Jun 2011 04:43:00 GMT

Do you have school age children? A few years ago, the government introduced the Education Tax Refund. For the 2010-11 financial year, you can claim up to $397 for every child you have in primary school and $794 for every high school student. But this only applies if you qualify for Family Tax Benefit Part A (see this EQUIS news item) and you must keep receipts.

The claim is based on 50% of the purchase price of items such as stationery, textbooks and computer supplies - which can include - the computer itself, repairs, printer, printer cartridges, internet connection, software, USB sticks.

The Education Tax Refund does not cover school fees, school uniforms (however, this may change from July 1, 2011), tutoring costs, musical instruments, excursions, and many other items that you might be hoping for!

For full details, check out: www.educationtaxrefund.gov.au

Start the new 'financial' year off on the right foot!

Thu, 23 Jun 2011 04:20:00 GMT

A great tip EQUIS can give you at this time of year is:- On the 1st July, write down the balances of your debts, bank balances, share portfolios, managed investments and the mileage on your car! Why you may well ask?

Well, you will need all of these figures for the next tax year and it will save you a lot of time, not to mention money as some of this data will be tricky or even nearly impossible to find later on!

Just a quick tip to make life a little easier and help you remain on track.

Family Tax Benefit - eligible? You need to ask for it!

Tue, 21 Jun 2011 14:00:00 GMT

Most families with dependent children are eligible for Family Tax Benefit. But you need to ask for it!

Family Tax Benefit Part A is based on your family income and some money may still be paid on incomes over $100,000 depending on the number of dependent eligible children. Family Tax Benefit Part B is based on the income of the lower earning spouse and is designed to supplement the family income in those instances where one partner is the main breadwinner.

If you are eligible for these payments, you can claim them fortnightly or at the end of the tax year when completing your tax return. Check all the details on the Centrelink site:
https://www.centrelink.gov.au/internet/internet.nsf/payments/index.htm

Keep in mind that these thresholds are on your taxable income. So, if you are close to the threshold, you may wish to consider reducing your taxable income through deductible donations or salary sacrificing into super (which may have its own benefits, as we have discussed previously)! (hyperlink to salary sacrifice item)

Even if you only just qualify for Family Tax Benefit, there may be added benefits, such as then being able to claim the Education Tax Refund.

Are you fortunate enough to be getting a BONUS this year?

Sun, 19 Jun 2011 14:00:00 GMT

What will you do with your bonus this year?

If you are in the very fortunate position to be receiving a cash bonus for this financial year, you might want to consider 'sacrificing' it into your super. There are multiple benefits to this.

Firstly, instead of paying your marginal tax rate - probably 30c or 37c out of every dollar - you will only lose 15c per dollar in tax on the portion you are contributing to super. A good saving in the long term.

Secondly, you benefit from the power of compound interest! If you add $1000 to your super this year and your fund returns you just 7% p.a. for the next 10 years, you will have nearly doubled your money! ($1967).

In addition, if you have dependent children, by reducing your taxable income, you may qualify for more Family Tax Benefit. click here to read about the Family Tax Benefit.

Do be aware however, that there are limits to how much you can contribute to superannuation at the concessional tax rate. This may be $25,000 if you are under 50 or $50,000 if you are 50 years or over, and these amounts include what your employer contributes.

Also, if you are paying off a mortgage, other loans or have credit card debts, consider that it may be preferable to put your bonus towards those debts as you are more than likely paying at least 7% interest on that outstanding amount anyway!

It's THAT time of year again!

Wed, 15 Jun 2011 14:00:00 GMT

Yes, the end of the 2010-11 financial year is fast approaching. Now is the time to start getting all your records in order.

If you are due a refund (and many are) then the sooner you get your tax return in, the sooner you will get that cash back in your hands to use as you choose. The 2011 Tax Pack will be available in newsagents or from the Tax Office (www.ato.gov.au) after July 1, and all 'end of year' statements will start arriving in your letterbox from your financial institutions, employer, health insurer, and other relevant organisations at that time too.

In the meantime though, you can be collecting and organising receipts and other relevant records you already have. The EQUIS Records Summary is not designed just for tax time specifically, however, if you use this record summary to keep track of your accounts and financial matters throughout the year, then this can be a good starting point to ensure you don’t forget any bank accounts or investments that need to be considered in your tax return - either as income or for potential deductions.

Also create yourself a simple spreadsheet to add up your donations, your claimable work expenses, your dividends (and franking credits), your investment deductions, and home office expenses, if relevant. Then you can ‘hit the ground running’ in July.

Over coming weeks, EQUIS will publish additional tips for maximising your tax deductions, so check back regularly!

If you could get one financial question answered, what would it be?

Tue, 14 Jun 2011 14:00:00 GMT

So, have you ever wished you could get a question about money answered without being embarrassed to ask or worry if there are any hidden agendas?

We speak to many people about personal and business financial matters and often the questions they ask are the same or similar in nature. With this in mind, we are developing a book that will be published shortly as an 'easy to read' summation of everything you wanted to know about money! Full of crucial principles, theories and practical ways of implementing solid information that will certainly improve your financial future.

Chances are, if YOU have a question in mind then there will be thousands of Australians wondering the same thing....and we'd love to hear about it - so drop us a line and we will post the answers for our website and Facebook family to read (and potentially put it in our book too). Be sure to let the EQUIS Team know if you wish to have your name and suburb published or remain anonymous!

NetConnect Seminar - 15th June 2011

Mon, 13 Jun 2011 02:02:00 GMT

This NetConnect Seminar will bring you up-to-date business tools and strategies and help build your network on the Sunshine Coast.

For further details read the information below or click here to download the flyer.

EQUIS Business Cashflow Tip!

Tue, 24 May 2011 14:00:00 GMT

Do you electronically send Invoices? A great social media tip EQUIS heard about recently to potentially increase sales was to use any blank spaces on the invoices you send each month to further engage your customers.

How? By using this space to publish your blog posts or new/sale products with a link through to your website or facebook page. The EQUIS team has heard from four Sunshine Coast businesses recently that included links on their email invoices to the 'sale stock' on their websites. Their response was excellent with their customers linking into otherwise unknown discount opportunities. End of month invoices will be going out soon, is this something you can implement?

Gen Y - Our Future Leaders

Mon, 23 May 2011 14:00:00 GMT

GEN Y - Do YOU want an 80 year career?

If you are an Aussie Gen Y person, you are the future leaders of our country. At some point, sooner rather than later, you will need to start thinking about money, saving and investing. In fact, Gen Y makes up for one-fifth of our total population, that's about 4.65 million of you (born 1980-1994). Gen Y is currently 18% of the workforce and will be the biggest generation in the workforce within 10 years. Why is this interesting? Because Gen Y will be living longer than previous generations, be working later in life and will accumulate more money in your lifetime than those before you. In fact, all the BIG companies and institutions worldwide recognise this and have already started formulating marketing strategies to sell you products and services - you are a huge 'target market'.

With this in mind, navigating all the 'noise' about being smart with your money, including what to buy and when can be a tough thing to do, but learning about money now is a crucial life skill that will never go to waste. It isn't always about 'saving for a rainy day' but rather some smart decisions now that will let you have the life you want as well as preparing a little for your future. The Australian Government has only recently included financial literacy in the national school curriculum and this is to be applauded, however EQUIS wants Ausralian Gen Y to feel empowered and not overwhelmed and challenged. With this in mind, we have created a 2 hour seminar called Start Smart to properly educate our 'Future Leaders' on the fundamentals of money, saving and investing to as to teach a life skill they will forever value. Book your seat by clicking here.

What is a SMSF?

Sun, 22 May 2011 14:00:00 GMT

SMSF for Property Investing?

Self-managed superannuation fund (SMSFs) are super funds that you run yourself. Instead of paying super contributions into an industry fund, you can pay it into a fund where you choose what to invest in, including property. There are significant rules in order for a SMSFs to be compliant, however for almost 2 years SMSFs have been allowed to borrow money to purchase assets such as property and some investors believe this is one of the best tax incentives for property investing.

For more information regarding SMSFs contact your Accountant, Financial Adviser or see www.ato.gov.au/superfunds/

Identity Theft - Safe ATM Use

Tue, 17 May 2011 14:00:00 GMT

Some tips from the Australian Bankers' Association when using ATMs:

Be wary of 'skimming devices' - make sure there is a visible flashing light at the front of the card slot, if not, a skimmer may have been installed.
Regularly check your statements to make sure there is no 'nasty' transactions & contact your bank immediately if you find any.
The most important rule, never write down your card PIN or give it to anyone - seriously, this is a problem as people have been known to save the secret number in their phones under 'pin'!

Reclaim your lost super before it's too late!

Mon, 16 May 2011 14:00:00 GMT

Your chance at FREE MONEY

If you are an employee and have had more than 1 job in the past, chances are you have money sitting in a super policy somewhere that you have forgotten about.

Log into www.unclaimedsuper.com.au with your name and date of birth to see if some of the $13bn in lost or unclaimed super that the government is currently holding is yours! You need to do this soon, as new laws were introduced in 2009 that allows the government to start transferring this money to themselves over the next few years!

Then, if you find a match, you can go to www.superseek.super.ato.gov.au and enter your name, date of birth & TFN to retrieve the account details. Super accounts with less than $200 can often be cashed out, you just need to fill out the forms - EASY!

Small Business Closures - See how bad it is in your area!

Sun, 15 May 2011 14:00:00 GMT

Small Business Sector under siege

Really interesting & interactive article - Enter your postcode to see how the GFC has affected Small Business in your area.

Smart Connections Event : Thriving Through Tough Times - Friday 13th May

Wed, 11 May 2011 14:00:00 GMT

Are you Serious about attracting more Clients???

Then join us at our Invitation Only Exclusive Networking Event

Research shows that successful businesses are built on relationship. As a successful business owner, you would know only too well that people don’t buy from you because you have a great product or service, they buy from you because they’ve built relationship with you.

TV host (from Channel 7’s Sunrise) and Finance Expert David Koch, who spoke recently at the Sunshine Coast business Expo, said “Now more than ever businesses need to be focusing on building good relationships with their existing clients, as well as networking to attract new clients.”

You’re invited to join us at SMART CONNECTIONS – an Invitation Only Exclusive Networking Event. Smart Connections is NOT just another Networking Event! We’re not a Business Network, however we believe in businesses growing and supporting each other. For the first time in Sunshine Coast History we’re bringing the Networks together to provide....

Plenty of time to Network and make great connections
National and International Speakers to inspire both you and your clients
The opportunity to showcase your business at our In Room Business Expo
Great food and entertainment that will leave you inspired and wanting more

Hear what others are saying about our Events:

Thanks again and well done for an amazingly successful and inspiring Event. ........Lisa Vance, Brisbane

What an absolutely AWESOME experience it was to attend your Event. I thank you profusely for the opportunity to attend and be bowled over by the calibre of speakers! .........Carol Gleeson, Sunshine Coast

Friday 13^th May, Maroochy RSL Events Centre | 6:30pm till late

“Thriving through tough times” - Jodie McIver (Equis Group) | Carren Smith (Quantum Group)

$77 per person | 2 course dinner | Drink on arrival | Mini Business Expo | DJ

Option 1: Invest in our VIP SmartBiz Package for only $497 (Valued at $1197) which includes:

4 tickets for you and your clients ($77pp) Valued at $308
4 goodies bags on arrival ($97pp) Valued at $388
4 months advertising on our site ($97pm) Valued at $388
In Room Trade Display Valued at $50
1 Minute stage time to promote your business Valued at $63

Only 30 packages available – Application only – APPLY NOW to avoid disappointment

Email fabe@whatworkingwomenwant.com or call Fabe on 0411 108 309

Option 2: Book tickets for you & your clients to be a part of this Invitation Only Exclusive Event $77pp

Book online at

www.whatworkingwomenwant.com/event_smartconnections.html

We look forward to seeing you and your clients there!

Fabe Keily | CEO & Founder | What Working Women Want

Office +61 7 5446 5335 | Mobile 0411 108 309 | fabe@whatworkingwomenwant.com

Need an Expert? Tips for getting the right person....

Sat, 23 Apr 2011 14:00:00 GMT

If I was choosing an expert (Financial Adviser, Accountant, Lawyer or Tax Expert) today, one of the first things I would be enquiring about is their own personal success - are they following the principals they are offering as advice? I would also ask a friend or trusted source if they know of a good financial planner, accountant etc and what has been their experience. Another excellent reference is to use Industry Leader or Governing Instutition websites such as the Financial Planning Association's 'Find a Planner' service (www.fpa.com.au) etc.

Look for someone you believe you can trust. Ideally, someone who really listens to your questions, offers solutions not just products, and walks their talk too.

In return, you need to be prepared for your meetings and ask lots of questions, no matter how silly they might seem. Set your expectations early. Be open and honest about what you hope to achieve from this association - you are wanting to build a working relationship with these people so sharing your thoughts on the outcomes you expect early, as well as learning as much as you can about who your expert is and what they can offer you is a great way to start.

Specifically, when sourcing a financial adviser, 10 good questions to ask a prospective financial planner when you meet them are as follows (as suggested by the Financial Planning Association of Australia):

1. Are you a member of the Financial Planning Association, are you a Certified Financial Planner™ professional, or a practitioner member of the FPA?
2. Can I see your Financial Services Guide?
3. How long have you been a financial planner?
4. What do you specialise in?
5. How do you charge for your services?
6. Will I receive written advice?
7. How often will you review my advice and what will it cost me?
8. If I have any issues with the planner’s strategy how will they be resolved?
9. Who authorises you to give advice and are you licensed by ASIC?
10. Are you doing what you are advising me to do?

A great checklist you can use when meeting with your Accountant:

http://www.business.vic.gov.au/busvicwr/_assets/main/lib60208/sbv_checklist_questions_to_ask_my_accountant.pdf

A great checklist you can use when meeting with your Solicitor or Legal Representative:

http://www.business.vic.gov.au/busvicwr/_assets/main/lib60208/sbv_checklist_questions_to_ask_my_lawyer.pdf

The right 'expert' for you is not hard to find it just takes a little homework.

Subscribe to our Newsletter

Mon, 18 Apr 2011 14:00:00 GMT

An Equis Alert is an email that will be sent to your inbox once a month. It will be relevant, informative and keep you updated so you can make smart decisions about money. Top right-hand corner of our website! www.equisgroup.com.au

Strong Australian Dollar - what does it mean for YOU?

Tue, 12 Apr 2011 14:00:00 GMT

Our Aussie Dollar - are you a Winner or Loser? The skyrocketing Australian Dollar brings mixed emotions. Are you are shopper, traveller or importer? This is an interesting article which quickly outlines the pros and cons of our appreciating Australian Dollar and what it means to YOU!

FREE Financial software

Tue, 12 Apr 2011 04:58:00 GMT

FREE FINANCIAL TOOLS

How much do I need to retire? Should I refinance the mortgage? What is my Net Worth? How much can I save on the family budget? EQUIS Group has developed a series of FREE Financial Tools available on our website for immediate download. Our Financial Software has been specifically developed with YOU in mind! Quick to download, easy to understand and navigate, these tools will save you time and money! For those who need more technical answers or solutions we have developed our EQUIS Advanced Financial Tools - check out the EQUIS Shop for software to help answer even the toughest of questions!

Free Financial downloads - http://www.equisgroup.com.au/free_downloads
Advanced Financial Tools - http://www.equisgroup.com.au/shop/budgeting-tools

Free Webinar - Red Hot Marketing & Events

Mon, 04 Apr 2011 14:00:00 GMT

Jodie will be speaking with Sue Murphy and Toni-Louise Forsyth from Red Hot Events and Seminars LIVE from 10:00am (QLD Time) on Thursday 7th April 2011 about all things money!

Red Hot Events & Seminars

Time : Thursday 7th April 10am Queensland Australia
: Wednesday 6th April 8pm NY/EST US time

Topic : "A Wealth of Knowledge" including :-

‘What you wish you knew about money’
‘What Financial Experts don’t tell you’
‘Insights into tricks of the trade from a financial professional’
‘You owe it to yourself to improve your financial literacy’

This is YOUR opportunity to listen in and ask questions about money in a non-threatening, non-advice situation.

http://www.facebook.com/RedHotEventsAndSeminars

Listening Method : Attend via Phone or Webcast -- it's your choice)

To attend, visit : http://InstantTeleseminar.com/?eventid=18821784

For all other time zones please use the time zone converter at
http://www.timeanddate.com/worldclock/converter.html

You can listen to the replay or download the call via the link above, if you can't make it live at 10am!

A personal note from Toni & Sue - we hope you can join us to meet Jodie, find out how beautiful she is and learn a lot to help you with your own finances right now.

We'll see you 10am Thursday!

Press Release

Mon, 04 Apr 2011 14:00:00 GMT

Unique Financial Education Program Unveiled On Sunshine Coast.

1 April 2011: A Queensland businesswoman is leading the way in helping average Australians learn more about money management, launching a unique education facility on the Sunshine Coast.

Renowned financial educator, author and keynote speaker, Jodie McIver, has developed a series of independent ‘no strings attached’ educational seminars, free from financial industry endorsements.

Ms McIver said the ‘EQUIS Group’ program was the first of its kind in Australia, and met the growing demand for financial education in a non-pressured environment.

“Many people are reluctant to improve their financial literacy simply because they don’t know how to source credible and transparent information.

“We strive to ensure that participants are equipped with the appropriate level of knowledge and confidence to understand their financial position and ask the right questions when seeking advice about wealth creation opportunities.

“It’s extremely rewarding to provide practical financial information and satisfy the public’s thirst for knowledge without any sales hype, product pushing or follow-up strategies.”

Ms McIver said she was passionate about utilising the knowledge she had gained over her 15-year corporate finance career to engage and empower people to make informed decisions about their financial futures.

The two-hour workshops are tailored around different life stages from Gen-Y to retirement, and also cover personal finance and small business. The EQUIS Group is now facilitating workshops at 63 Sugar Road in Maroochydore.

For media inquiries and interview requests, please contact the EQUIS Media Team on 07 54501165 or via media@equisgroup.com.au

Smart Connections : Network The Smart Way Sunshine Coast

Thu, 31 Mar 2011 00:03:00 GMT

Smart Connections® combines business networking, social networking and a mini business expo to showcase your products or services all at the one Event. Decide today to network the Smart way!

Sunshine Coast Friday 13 May, 2011

Speaker: Jodie McIver, Financial Commentator & Co-Author Read My Lips
Topic: Thriving in tough times
Venue: Maroochydore RSL Events Centre
Time: 6:30pm to 11:30pm
RSVP: Wed 11th May

Who is Smart Connections® for:

Smart Connections® is for business owners, your existing clients, new and potential clients as well as the general public. Don't just network with other business owners, network with potential clients!

Our Background:

With over 20 years experience organising and managing events Fabe Keily and her team are committed to not only creating an event but an experience that will last. From Red Carpet Royalty to Xmas Fun and Frivolity you won't want to miss out. We look forward to seeing you at one of our upcoming Events!

SMART CONNECTIONS®: WHAT TO EXPECT ON THE NIGHT

- Kick off your work shoes - put on a smile
- Enjoy inspiring Speakers
- Make great connections
- Sip Champagne on arrival*
- Enjoy a scrumptious 2 course dinner
- Explore our Smart Expo tables
- Dance the night away
* Cash bar available for extra drinks

SEATS ARE LIMITED - BOOK NOW BEFORE IT SELLS OUT - MANY THANKS TO OUR GENEROUS SPONSORS WHO HAVE SUPPORTED THIS EVENT.........MAKING IT AFFORDABLE FOR ALL

Business owners and their guests: $77 per person
General Public: $77 per person
Tables of 10: $77 per person
Smart Expo Tables: $127 (incls 1 ticket) Apply now - see below for details

All enquiries and applications for our Smart Expo tables should be made directly with our Head Office. Please contact fabe@whatworkingwomenwant.com or call Fabe on Mobile 0411 108 309

Maximise your Super

Mon, 21 Mar 2011 14:00:00 GMT

Super may not be a topic you love to discuss however the quality of your retirement years, whether a long way off or just around the corner, will be set by the amount of super you can ultimately accumulate between now and then!

Australia has roughly $13 billion sitting in unclaimed super and for those of us who are worried that we may not have enough, it is worth spending a few minutes to think through some key strategies and issues.

Most people are aware that all employers are required to contribute 9% of a person’s salary to their nominated superannuation fund, but here are some additional strategies YOU may not know about (and might boost the amount you will have to enjoy in retirement!).

Click on the link below to download our full article.

Maximise Your Super

Full-time students on youth allowance can now claim a deduction for their study expenses

Wed, 02 Mar 2011 14:00:00 GMT

As a result of a High Court decision on 11 November 2010, you may be eligible to claim a deduction for your study expenses if you received youth allowance to study full-time. This change is also retrospective, applying to 2007, 2008, 2009 and 2010.

For more information go to www.ato.gov.au/studyexpensechanges

Are you aware of the Superannuation co-contribution scheme

Wed, 02 Mar 2011 14:00:00 GMT

If your income is below $61,920 and you make a voluntary contribution to your superannuation, you may be entitled to up to an additional $1000 contribution from the Federal Government into your super. Below $31,920, the government will match dollar for dollar. If your income is between $31,920 and $61,920, your entitlement is reduced by 3.333c for every dollar you earn above $31,920. For further information click on the link below.

http://ato.gov.au/super/content.asp?doc=/content/42616.htm&page=3#P34_3099

Are you eligible for Family Tax Payments

Wed, 16 Feb 2011 14:00:00 GMT

Families with children may be eligible for a range of payments from the Federal Government, including Family Tax Benefit, Child Care rebates, Rent Assistance and Immunisation Allowance. It is worthwhile checking the following link to see if your income falls into the eligible categories:

http://www.familyassist.gov.au/payments/payment-rates.php

Assistance to individuals and businesses affected by recent natural disasters

Thu, 10 Feb 2011 14:00:00 GMT

Commissioner of Taxation, Michael D'Ascenzo has announced additional time for tax-related lodgements and associated payments for individuals and businesses affected by the recent natural disasters. For further information, including a list of identified affected postcodes, go to:

http://www.ato.gov.au/corporate/content.asp?doc=/content/00269769.htm

Paid Parental Leave

Fri, 31 Dec 2010 14:00:00 GMT

Australia's first national Paid Parental Leave scheme has commenced. The Paid Parental Leave scheme is paid at the National Minimum Wage (currently $570 a week before tax), is for up to 18 weeks, and can be taken any time within the first year after birth or adoption. For further information:

http://www.familyassist.gov.au/payments/family-assistance-payments/paid-parental-leave-scheme/

EQUIS blog, news and articles

Passion, Purpose, Profit - LIPS Revivial Seminar, 18th October 2011

Think & Grow Rich Magazine

Women's Lifestyle Expo - 9th and 10th September 2011

Fashion Parades

Passion, Purpose, Profit LIPS Event - New Date

Debt! Is it the devil in disguise?

Billionnaire bargain hunt!

Passion, Purpose, Profit - LIPS Revivial Seminar 7th September 2011

Credit Card Scam

Gen Y Making Smart Decisions

Free Financial Tools

Will a carbon tax cost you more?

Wish to own your home sooner?

Do you control your money, or does it control you?

Financial Hints & Tips to getting the most out of your money!

School fees - can we claim some of it?

Do you have Health Insurance?

Do you have school age children? You may be entitled to an Education Tax Refund!

Start the new 'financial' year off on the right foot!

Family Tax Benefit - eligible? You need to ask for it!

Are you fortunate enough to be getting a BONUS this year?

It's THAT time of year again!

If you could get one financial question answered, what would it be?

NetConnect Seminar - 15th June 2011

EQUIS Business Cashflow Tip!

Gen Y - Our Future Leaders

What is a SMSF?

Identity Theft - Safe ATM Use

Reclaim your lost super before it's too late!

Small Business Closures - See how bad it is in your area!

Smart Connections Event : Thriving Through Tough Times - Friday 13th May

Need an Expert? Tips for getting the right person....

Subscribe to our Newsletter

Strong Australian Dollar - what does it mean for YOU?

FREE Financial software

Free Webinar - Red Hot Marketing & Events

Red Hot Events & Seminars

Press Release

Smart Connections : Network The Smart Way Sunshine Coast

Who is Smart Connections® for:

Our Background:

SMART CONNECTIONS®: WHAT TO EXPECT ON THE NIGHT

SEATS ARE LIMITED - BOOK NOW BEFORE IT SELLS OUT - MANY THANKS TO OUR GENEROUS SPONSORS WHO HAVE SUPPORTED THIS EVENT.........MAKING IT AFFORDABLE FOR ALL

Maximise your Super

Full-time students on youth allowance can now claim a deduction for their study expenses

Are you aware of the Superannuation co-contribution scheme

Are you eligible for Family Tax Payments

Assistance to individuals and businesses affected by recent natural disasters

Paid Parental Leave