A publication of. Contractor Compliance

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "A publication of. Contractor Compliance"

Transcription

1 A publication of Contractor Compliance

2 Written by Peta Walker Hi! I m Peta a Chartered Accountant and business coach at BW Chartered Accountants. I m a born and bred Wellingtonian and I live on a lifestyle property in the rugged Makara Valley. Grab a coffee and let s talk about your compliance requirements as a contractor! It s easy when you know how! FOLLOW US ON

3 CONTENTS 4 Issues and Challenges 9 Taxes you have to pay 14 Helpful software and apps 16 Help is on the way! - Contractor Cohort 19 Got questions? 22 Join our contractor compliance crusade

4 Issues and Challenges While it can seem fabulous to be independent, in charge of your own professional destiny, it also adds layers of responsibility and the compliance that needs to be taken care of can be daunting 4

5 Lack of paid leave When you re an employee, you also get paid for statutory holidays, annual leave and sick leave. The employer pays you for over 6 weeks a year that you don t even walk in the door nice, eh. As a contractor you only get paid for the hours that you work. So it s critical to make sure your rate covers this. (We can help you calculate this). Scheduling your own time off is also important and being savvy about when you do this keeping in mind that you may not have continuous work so the quiet times of the year are probably better for holidays and adventures! 5

6 Having to pay your own taxes When we are employees we never have to think about paying our tax. It s taken out of our pay before we even see it. Becoming selfemployed is a whole other matter and we now have to take care of tax payments, ourselves. At first it can seem as if you re earning more money than you ever have before, until you really understand that you have to pay a significant portion of it to the Inland Revenue Department. Making that payment to the IRD can hurt and many people don t prepare for this, so when it comes time to pay their tax bill, finding the money is a struggle. 6

7 Here s a curly question how do you minimise your tax bill? Aside from doing less work and therefore earning less. Or spending up large to save a third on tax (why spend a dollar, to save 33 cents?) Tax is an expense like any other! We ll take a look at how you operate your self-employed contractor business and ensure you aren t missing out. It s our job to make sure you only pay the minimum amount of tax you have to. 6

8 There is a misconception that you get your first year tax free. You don t. You just don t have to pay it to the IRD, yet! Once you ve passed 31 March you file your return, work out what s owing, then pay that a year later AND start paying Provisional tax for the current year. You get to pay two years worth of tax in one year! Not fun! There is a possibility to get a discount on your first years tax if you make voluntary payments early. We strongly recommend every contractor puts funds aside to pay their tax, and make the payments out of that, based on their earnings now. Not last years. To make matters worse, the IRD can charge huge penalties and interest. Believe us, owing money to the IRD is expensive and many people have got themselves into a real financial mess! 6

9 Expenses that can be claimed The basic rule is that if an expense is incurred in gaining the income, then you can deduct that expense off the income when working out how much profit you made from your contracting business 7

10 Independent contractors can claim more expenses than their employed counterparts but this is limited to things that you have to pay to earn the income. When you re an IT consultant what you re mainly selling is your time and skill. The main expenses you can claim are: Any professional organisation subscriptions Training and development Use of equipment, if you provide your own Phone expenses Income protection insurance If you work for multiple clients at a time you may also be able to claim: Transport costs Use of home office expenses SHARE THIS E-BOOK! 8

11 Taxes You Have to Pay 9

12 Income Tax Because your income isn t taxed at source you must file an income tax return every year. To calculate the tax you need to pay, you have to add up all your income from 1 April until 31 March the following year. That s all your income, it includes any interest on savings, any other earnings that may have had tax deducted, then you deduct off any expenses you can claim and work out the tax that s payable on that total. 10

13 If you ve already paid some, you only have to pay what s left over, or if you ve overpaid, you ll get a refund. This is called residual tax. Fun! Once you re in the system and owe more than $2500 in tax, (total tax owing, not the residual) the IRD will expect you to pay provisional tax. This is a bit like PAYE except you pay it 3 times each year. And it s calculated on what you earned last year. 11

14 GST Once you earn (or expect to earn) more than $60,000 per annum you become a GST tax collector for the government. This means you have to pay 3/23rds of the money you bring in, to the tax department. You can add this onto your invoices going out, collecting this from your customers. You can claim 3/23rds of the expenses you pay that include GST, as long as you keep copies of receipts. Paying your GST to the IRD every 2 months is a smart idea, unless you re super self-disciplined with your money - then it s OK to choose the six-monthly option 12

15 ACC This isn t technically a tax but many people consider it one. When you re self-employed you get to pay both the employee and the employer levy. ACC will invoice someone once they have filed an income tax return that shows that they have self-employed earnings. The rate varies depending on the type of work you do. Like income tax, you don t have to pay it for the first year, but essentially, end up with a double whammy the following year. ACC have a couple of schemes. You can pay based on your previous years earnings, or you can take out ACC CoverPlus Extra, where you agree on a level of earnings to be covered by ACC. Click this link if you d like to read more about ACC for self-employed contractors. Or, if it feels like this process is sucking your self-employed will, we can do it all for you with our ACC Administration service (that s in another E-Book!) 13

16 Helpful Software and Apps 14

17 Have you heard of Xero? We love it, it makes life very easy for you and very clear for us to help you. It s beautiful Accounting Software, designed for the non-accountant. Xero offer a small package that suits most contractors. It handles up to 5 invoices going out each month and up 20 lines on your bank statement. It costs $29 per month. You can even access it from your smartphone! Nifty! As it is cloud software, we can easily review your records to make sure they re accurate and that your GST returns are reliable. The flow on from having awesome accounts that make sense, is when we come to do your income statement and tax return for you, it s reasonably straight forward so no messing around requiring lots of your precious billable time, explaining your expenses to us! You can also upload copies of all your expenses and store them in the software. Even by taking photos of them on your phone! Say cheese, receipts! 15

18 Help is on its way! 16

19 Contractor Cohort is our package especially designed for contractors! Xero accounting software subscription Monthly checks and help with your books GST return filled and filed advice every month on how much money you should have tucked aside for your tax Annual income statement and tax return preparation $149 + GST per month 17

20 What this means for you For the price of an hour or two of your time each month, we make sure your accounts are correctly completed and up to date No surprises at the end of the year in your tax bill You get a handy extension on your tax due date, by having us as your tax agent 18

21 Got questions? 19

22 Should I have a separate bank account for your business? Yes, you should. And all business income and expenses should go through it. Two things the IRD really care about are that you declare all your income and that you don t claim personal expenses. So if you have a completely separate bank account for your contractor business, it s very easy to prove to the IRD that you keep your business life and your personal life separate. It also makes it more straight-forward to calculate how much tax you ve got owing and it s really easy to set up you could even just add another suffix on your base account number for your earnings to be paid into and another interest earning saver account where your tax dollars can live quite happily until the IRD pay day! Brilliant! 20

23 Should I incorporate as a company? Tempting, isn t it? Companies pay income tax at a cheaper rate than an individual. The dreadful bore, though, is if more than 80% of your income comes from one client then all income has to be attributed for tax to you. Even if it s from multiple clients but you use most of the funds earned for personal use, the income has to be allocated to you as income and taxed at your personal rate anyway. Companies are separate legal entities, would be GST registered in their name and require full accounts that comply with the financial reporting act every year. (So actually, in the long run, it d probably cost you more in compliance!) On the other hand, you can have more than one shareholder and/or director and if the work load is shared the income can be shared. But really, you should chat with us before you decide to incorporate! 21

24 Join us? 22

25 Get on our Contractor Cohort band wagon and banish tearful tax nightmares forever! Here s what you need to do: ring us tweet or message us on facebook.com/bwcaltd Thanks, Lego, for helping illustrate our story 23

Best Practice Manual for Accounts people working for Not for Profit organisations BY PETA WALKER. bwaccountants.co.nz

Best Practice Manual for Accounts people working for Not for Profit organisations BY PETA WALKER. bwaccountants.co.nz Best Practice Manual for Accounts people working for Not for Profit organisations BY PETA WALKER Hi! I m Peta a Chartered Accountant and business coach at BW Chartered Accountants. I m a born and bred

More information

First-time employer s guide

First-time employer s guide First-time employer s guide Information you ll need if you re thinking of employing workers for the first time IR 333 February 2014 Contents About this guide 3 Why paying tax matters 3 Are you an employer?

More information

Paying your way. Tax issues for the self employed

Paying your way. Tax issues for the self employed Paying your way Tax issues for the self employed May 2012 Tax issues for the self employed This is a brief overview of tax issues that affect the self employed. Understanding your tax responsibilities

More information

Provisional tax. Paying your income tax in instalments. IR 289 May 2015. Classified Inland Revenue Public

Provisional tax. Paying your income tax in instalments. IR 289 May 2015. Classified Inland Revenue Public Provisional tax Paying your income tax in instalments IR 289 May 2015 Classified Inland Revenue Public Contents About this guide 3 Why paying tax matters 4 How provisional tax works 5 Your options for

More information

FINCH & OAK WEDDING COLLECTIONS

FINCH & OAK WEDDING COLLECTIONS FINCH & OAK WEDDING COLLECTIONS [ just a little bit different ] Hello You re getting married - that s awesome! Now you re looking for an awesome photographer - there s a lot of choice, and it s a big decision,

More information

IR 261 August 2014. Direct selling. Tax facts for people who distribute for direct selling organisations

IR 261 August 2014. Direct selling. Tax facts for people who distribute for direct selling organisations IR 261 August 2014 Direct selling Tax facts for people who distribute for direct selling organisations www.ird.govt.nz 3 Contents Introduction 4 www.ird.govt.nz 4 How to get our forms and guides 4 Part

More information

TAX GUIDE FOR THE TAXI AND SHUTTLE INDUSTRIES

TAX GUIDE FOR THE TAXI AND SHUTTLE INDUSTRIES TAX GUIDE FOR THE TAXI AND SHUTTLE INDUSTRIES Information to help your business IR 135 October 2010 Help is at hand This tax guide gives you, as a self-employed person, an overview of your tax entitlements

More information

Our Compliance Focus 2014 15

Our Compliance Focus 2014 15 Our Compliance Focus 2014 15 Helping you get it right November 2014 IR 969 Contents Commissioner s introduction 3 Basics for everyone 4 Basics for business 6 Our key focus areas 9 How you can stay up to

More information

BUSINESS TAX UPDATE REMINDERS. Getting your tax invoices right. Swinton Appliances. Inland Revenue s tax news for businesses.

BUSINESS TAX UPDATE REMINDERS. Getting your tax invoices right. Swinton Appliances. Inland Revenue s tax news for businesses. BUSINESS TAX UPDATE Inland Revenue s tax news for businesses Getting your tax invoices right Issue No 53 July 2014 IR 381 Businesses that are GST registered need to provide a correct tax invoice within

More information

NOTES TO ASSIST COMPLETION OF BUSINESS QUESTIONNAIRE

NOTES TO ASSIST COMPLETION OF BUSINESS QUESTIONNAIRE NOTES TO ASSIST COMPLETION OF BUSINESS QUESTIONNAIRE Never change company shareholding without conferring with us because there are tax implications. Please note the following comments 1. Cars If you sell

More information

RIDICULOUSLY EASY GUIDE TO SOCIAL MEDIA TWITTER

RIDICULOUSLY EASY GUIDE TO SOCIAL MEDIA TWITTER RIDICULOUSLY EASY GUIDE TO SOCIAL MEDIA Alberta s a big place and while you could run round the province telling everyone you see about Change Day AB, it s probably not the best use of your time and could

More information

ACC invoice guide for the self-employed 2012

ACC invoice guide for the self-employed 2012 Working for business ACC invoice guide for the self-employed 2012 Helping you understand ACC s invoices 404279-ACC6507-Pr09.indd 1 20/08/12 11:56 404279-ACC6507-Pr09.indd 2 20/08/12 11:56 Contents Introduction

More information

Club Accounts. 2011 Question 6.

Club Accounts. 2011 Question 6. Club Accounts. 2011 Question 6. Anyone familiar with Farm Accounts or Service Firms (notes for both topics are back on the webpage you found this on), will have no trouble with Club Accounts. Essentially

More information

F.A.T Newbie for Employed and Self-Employed Zumba Instructors

F.A.T Newbie for Employed and Self-Employed Zumba Instructors F.A.T Newbie for Employed and Self-Employed Zumba Instructors By Andrew Crawford ACMA www.fitnessindustryaccountants.com 1 2 Special Guide Are You a Employed and Self-Employed Zumba Instructor? Well This

More information

Your energy tariff explained Direct Debit Saver

Your energy tariff explained Direct Debit Saver Your energy tariff explained Direct Debit Saver Our most popular Direct Debit Saver Say goodbye to bills and hello to statements Helping you spread the cost of your energy, with predictable monthly payments.

More information

Debt options. What to do if you re having trouble paying your tax on time. IR 582 April 2015. Classified Inland Revenue Public

Debt options. What to do if you re having trouble paying your tax on time. IR 582 April 2015. Classified Inland Revenue Public Debt options What to do if you re having trouble paying your tax on time IR 582 April 2015 Classified Inland Revenue Public Contents About this guide 3 Why paying tax matters 4 Struggling to pay a tax

More information

Self-employed or an employee?

Self-employed or an employee? IR 336 April 2009 Self-employed or an employee? How to work out your tax status Introduction It is important to know if you are employed or self-employed, because the tax and Accident Compensation laws

More information

Injury cover for self-employed people

Injury cover for self-employed people Working for business Injury cover for self-employed people ACC CoverPlus As soon as you start self-employment, ACC CoverPlus, our standard 24/7 no-fault personal injury cover automatically applies to you.

More information

PARBHU GALLAGHER PARAG LIMITED BUSINESS CHECKLIST. 2012 Financial Year

PARBHU GALLAGHER PARAG LIMITED BUSINESS CHECKLIST. 2012 Financial Year Client Name: (must be completed) PARBHU GALLAGHER PARAG LIMITED BUSINESS CHECKLIST 2012 Financial Year Please take the time to complete this checklist as it is a very important part of the accounting process.

More information

Created in conjunction with. 2014 CRM Report

Created in conjunction with. 2014 CRM Report Created in conjunction with 2014 CRM Report BACKGROUND With our increased sales and marketing activity, finding a better way to track and manage our contacts and sales conversations has risen up the to-do

More information

awesome photos for awesome people

awesome photos for awesome people awesome photos for awesome people HELLO THERE IS A LOT OF PHOTOGRAPHERS OUT THERE. CHOOSE ONE THAT FITS YOU. Gone are the days of the formal, serious and traditional weddings, now weddings are like parties

More information

Reducing Customer Churn

Reducing Customer Churn Reducing Customer Churn A Love Story smarter customer contact Breaking up is hard to do The old adage that it s cheaper (and better) to hold onto an existing customer than to acquire a new one isn t just

More information

FREE REPORT: Don t Be Embarrassed It Is NOT Your Fault!

FREE REPORT: Don t Be Embarrassed It Is NOT Your Fault! FREE REPORT: The Top 5 Tax Secrets The IRS Doesn t Want You To Know And How To Use Them To Reduce Your Stress And Save You Money ESPECIALLY During Tough Economic Times Guaranteed! Dear Taxpayer, Believing

More information

Contractors Guide to Choosing an Accountant

Contractors Guide to Choosing an Accountant Contractors Guide to Choosing an Accountant Genie Accountancy have produced this guide to illustrate the importance of selecting the correct accountant, an accountant who will strive to support your business

More information

ICS Umbrella A professional employment solution

ICS Umbrella A professional employment solution ICS Umbrella A professional employment solution Established in 2002, ICS work in partnership with recruitment agencies providing a professional employment solution known as ICS Umbrella as well as specialist

More information

SMALL BUSINESS QUESTIONNAIRE. 2010 Financial Year

SMALL BUSINESS QUESTIONNAIRE. 2010 Financial Year Name: Balance Date: SMALL BUSINESS QUESTIONNAIRE 2010 Financial Year Please take the time to complete this questionnaire as it is a very important part of the accounting process. It helps you: Identify

More information

The Mortgage Guide. Helping you find the right mortgage for you. Brought to you by. V0050713a

The Mortgage Guide. Helping you find the right mortgage for you. Brought to you by. V0050713a The Mortgage Guide Helping you find the right mortgage for you Brought to you by Hello. Contents We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us ever

More information

Novated Lease Explained

Novated Lease Explained Novated Lease Explained At nlc, we provide you with the easiest, lowest-cost way to own and run the car of your choice. We take care of all your automotive needs, including car purchase, finance, insurance,

More information

Mortgage Advisers. The Mortgage Guide Helping you find the right mortgage for you

Mortgage Advisers. The Mortgage Guide Helping you find the right mortgage for you Mortgage Advisers The Mortgage Guide Helping you find the right mortgage for you Hello. We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us ever make.

More information

Wholesaling Mark Ferguson

Wholesaling Mark Ferguson TRANSCRIPT OF EPISODE 14 OF THE INVEST FOUR MORE PODCAST Wholesaling Mark Ferguson Mark: Hi everyone. Mark Ferguson here with another episode of the Invest More Real Estate podcast. Today is just going

More information

AUSTRALIA S TOP 30 HOME LOAN MYTHS BUSTED

AUSTRALIA S TOP 30 HOME LOAN MYTHS BUSTED AUSTRALIA S TOP 30 HOME LOAN MYTHS BUSTED Australia s Top 30 Home Loan Myths BUSTED! Fairer home loans for Australians Hi, I m Mark Bouris from Yellow Brick Road. Australia, it s time for a fairer deal

More information

Your energy tariff explained

Your energy tariff explained Your energy tariff explained Pay As You Go Saver Fixed January 2015 Our ultimate pre-pay Pay As You Go Saver Fixed until January 2015 The freedom to top up at a time and place that suits you Only pay for

More information

Business Tax Guide An introductory guide for businesses

Business Tax Guide An introductory guide for businesses Inland Revenue Department P.O. Box 99 Brades Montserrat Business Tax Guide An introductory guide for businesses Table of Contents Part 1 General...1 Introduction... 1 Business types... 1 Getting an IRD

More information

Diploma of Management 1 BSB51107

Diploma of Management 1 BSB51107 Diploma of Management Diploma of Management 1 BSB51107 Diploma of Management BSB51107 Employers are looking for individuals who can demonstrate skills and techniques to effectively manage staff and take

More information

Guidelines on Agreement for Contract for Services

Guidelines on Agreement for Contract for Services Guidelines on Agreement for Contract for Services 1. Introduction -Employment Agreement (Agreement of Service) applies to a person who is an employee of the University -Contractor Agreement (Contract for

More information

Kim: Thank you Todd, I m delighted to be here today and totally looking forward to our conversation.

Kim: Thank you Todd, I m delighted to be here today and totally looking forward to our conversation. Filename: P4P 019 The Facts of Life Insurance Todd: [0:00:18] Hey everybody, welcome to another edition of The Prosperity Podcast, this is No BS Money Guy Todd Strobel. Once again, we re lucky enough to

More information

10 EASY STEPS TO MANAGING CONTRACTING

10 EASY STEPS TO MANAGING CONTRACTING 10 EASY STEPS TO MANAGING CONTRACTING Working as a contractor is incredibly rewarding, both financially and professionally. The challenge of contracting is simple you are an independent professional judged

More information

KiwiSaver employer guide

KiwiSaver employer guide KS 4 MAY 2015 KiwiSaver employer guide What employers need to know about KiwiSaver WHAT IS KIWISAVER? KiwiSaver is a voluntary, work-based savings initiative designed to make regular saving for retirement

More information

Payroll giving IR 617 1

Payroll giving IR 617 1 Payroll giving IR 617 1 October 2009 Payroll giving 2 www.ird.govt.nz Contents What is payroll giving? 3 The employer s role 4 The employee s role 6 What is a donee organisation? 7 Calculating tax credits

More information

Working for business. A guide to ACC for agents and advisors

Working for business. A guide to ACC for agents and advisors Working for business A guide to ACC for agents and advisors Who to contact with a question The best person to talk to is your ACC Business Relationship Manager. We have dedicated teams who work with small

More information

INDEX: WWW.FIRSTBOOKKEEPING.COM.AU

INDEX: WWW.FIRSTBOOKKEEPING.COM.AU INDEX: ü Step 1 Getting started in business registrations Page 3-4 ü Step 2 What you need to know about business income tax Page 5 6 ü Step 3 Business Expenses what to claim Page 7 ü Step 4 Working from

More information

Buying and selling residential property. What you need to know about your tax obligations. www.ird.govt.nz

Buying and selling residential property. What you need to know about your tax obligations. www.ird.govt.nz Buying and selling residential property What you need to know about your tax obligations www.ird.govt.nz This guide will help you to understand whether you should be paying tax when you sell a property

More information

Sage One. Our 5 top tips to stress-free payroll. tress-free. ayroll

Sage One. Our 5 top tips to stress-free payroll. tress-free. ayroll Sage One tress-free ayroll Our 5 top tips to stress-free payroll What do I need to think about? Setting up and running a small business takes a lot of time and effort, so you need enthusiasm, confidence

More information

Certificate IV in Work Health and Safety 1 BSB41412

Certificate IV in Work Health and Safety 1 BSB41412 Certificate IV in Work Health and Safety Certificate IV in Work Health and Safety 1 BSB41412 Certificate IV in Work Health and Safety BSB41412 Our Certificate IV in Work Health and Safety will prepare

More information

CONTRACTOR PAY TAKE MORE HOME FREE GUIDE CONTRACTORS RETAIN UP TO 90% OF YOUR INCOME ARE YOU CONTRACTING THE BEST WAY?

CONTRACTOR PAY TAKE MORE HOME FREE GUIDE CONTRACTORS RETAIN UP TO 90% OF YOUR INCOME ARE YOU CONTRACTING THE BEST WAY? TAKE MORE HOME FREE GUIDE CONTRACTORS RETAIN UP TO 90% OF YOUR INCOME ARE YOU CONTRACTING THE BEST WAY? 1CONTRACTING? Contracting Being a contractor can allow you greater flexibility in the hours you work

More information

LOCUM TENENS GUIDE FOR OPTOMETRISTS

LOCUM TENENS GUIDE FOR OPTOMETRISTS LOCUM TENENS GUIDE FOR OPTOMETRISTS CONTENTS PAGE Contents 2 Introduction 3 Steps to Take (In Approximate Order) 4 Attachment A Sample Tax Invoice (GST Purposes) 9 Attachment B Sample Locum Agreement 10

More information

Xero reviewers guide

Xero reviewers guide Xero Reviewers Guide 1 Xero reviewers guide Xero is the world s leading online accounting solution. Use this guide to understand Xero s key features and how we are helping small businesses thrive. Updated

More information

TIME IS MONEY. A revealing study into the cost of today s poor time tracking habits & technology.

TIME IS MONEY. A revealing study into the cost of today s poor time tracking habits & technology. TIME IS MONEY A revealing study into the cost of today s poor time tracking habits & technology. Introduction While the phrase time is money is true to many people in business, nowhere is it more true

More information

Credit Card Repayment Protection

Credit Card Repayment Protection Credit Card Repayment Protection Product Disclosure Statement and policy wording Effective 13 July 2015 1 Introducing Credit Card Repayment Protection. What is it? Credit Card Repayment Protection is insurance

More information

So HJ you and Rachel are managing our Social Media Desk but before I ask you how all that works let s talk about the programme.

So HJ you and Rachel are managing our Social Media Desk but before I ask you how all that works let s talk about the programme. PodMag 03_09_2015 demo 2 The PodMag Hi and welcome to the September PodMag, the news audio magazine from the Faculty of Social Sciences at the Open University. I m Karen Foley and I m here in the studio

More information

Issue No 165 February 2014 IR 787

Issue No 165 February 2014 IR 787 AGENTS ANSWERS Inland Revenue s tax agents update End-of-year filing performance tips Issue No 165 February 2014 IR 787 Welcome to the first issue of Agents Answers for 2014. We hope you had a great break.

More information

TAKING AWAY THE HASSLE OF KEEPING THE BOOKS

TAKING AWAY THE HASSLE OF KEEPING THE BOOKS TAKING AWAY THE HASSLE OF KEEPING THE BOOKS 2 LESLIE ERIERA & CO PAPERWORK AAAAARGHHHH Every business owner hates bookkeeping and paperwork. Unfortunately it has to be done. And it has to be done in a

More information

FREQUENTLY ASKED QUESTIONS Business start up

FREQUENTLY ASKED QUESTIONS Business start up FREQUENTLY ASKED QUESTIONS Business start up Q: Do I have to form a company before I go into business? A: No, you don t have to form a company to start your business. There are three basic business structures

More information

MEDIABURST: SMS GUIDE 1. SMS Guide

MEDIABURST: SMS GUIDE 1. SMS Guide MEDIABURST: SMS GUIDE 1 SMS Guide MEDIABURST: SMS GUIDE 2 Contents Introduction 3 This guide will cover 3 Why use SMS in business? 4 Our products 5 How do I add existing contacts? 6 Who are you sending

More information

Employers guide to auto enrolment and NEST. How NEST can help you meet your new employer duties

Employers guide to auto enrolment and NEST. How NEST can help you meet your new employer duties Employers guide to auto enrolment and NEST How NEST can help you meet your new employer duties Auto enrolment is the biggest change to pensions provision in the UK for generations. NEST will play a key

More information

Certificate IV in Small Business Management 1 BSB40407

Certificate IV in Small Business Management 1 BSB40407 Certificate IV in Small Business Management Certificate IV in Small Business Management 1 BSB40407 Certificate IV in Small Business Management BSB40407 With our Certificate IV in Small Business Management,

More information

Certificate IV in Business Certificate IV in Business 1 BSB40212. opentraining.edu.au. Course Guide

Certificate IV in Business Certificate IV in Business 1 BSB40212. opentraining.edu.au. Course Guide Certificate IV in Business Certificate IV in Business 1 BSB40212 Certificate IV in Business BSB40212 No matter what aspect of business you re interested in, you ll often be asked to solve problems, assess

More information

Taking Payments Online Do You Care About Your Customers?

Taking Payments Online Do You Care About Your Customers? Taking Payments Online Do You Care About Your Customers? I love the freedom of being able to sell information products and services remotely, and the ease of taking payments online. I equally love the

More information

opentraining.edu.au Course Guide Diploma of International Business 1 BSB50807

opentraining.edu.au Course Guide Diploma of International Business 1 BSB50807 Diploma of International Business Diploma of International Business 1 BSB50807 Diploma of International Business BSB50807 How to develop export opportunities in today's competitive business climate is

More information

INDIVIDUAL TAX RETURN PREPARATION CHECKLIST 2014

INDIVIDUAL TAX RETURN PREPARATION CHECKLIST 2014 The checklist provides a general list of major issues that should be addressed. (The checklist is not designed to be an exhaustive list of all issues that may warrant consideration) CLIENT S NAME RESIDENCY

More information

0:00:18 Todd: 0:00:30 Kim: 0:01:15 Todd: 0:02:10 Kim: 0:04:10 Todd:

0:00:18 Todd: 0:00:30 Kim: 0:01:15 Todd: 0:02:10 Kim: 0:04:10 Todd: 0:00:18 Todd: Hey everybody, welcome to another edition of The Prosperity Podcast, this is No BS Money Guy Todd Strobel. Once again, we have my cohost and bestselling financial author Kim Butler with us,

More information

INBOUND MARKETING. should do online. Put up a website? Google Adwords? Facebook Ads? Both? Something else?

INBOUND MARKETING. should do online. Put up a website? Google Adwords? Facebook Ads? Both? Something else? 1 INBOUND MARKETING Digitally marketing a product or service can get complicated. Before digital came along things seemed easier. Consider a farmer s market: a farmer has a product and displays it on a

More information

Tax Planning Checklist

Tax Planning Checklist Tax Planning Checklist For the year ended 31 March 2014 Contents Year end tax planning checklist 1 General tips on minimising tax 4 Help us to process your records efficiently and quickly 5 Help yourself

More information

Contractor s Guide. Moving from Permanent to Contracting. Step-by-step Guide. S J D Accountancy Chartered Tax Advisers and Accountants

Contractor s Guide. Moving from Permanent to Contracting. Step-by-step Guide. S J D Accountancy Chartered Tax Advisers and Accountants Contractor s Guide Moving from Permanent to Contracting 1 2 3 Step-by-step Guide S J D Accountancy Chartered Tax Advisers and Accountants Contracting through your own Limited Company Who are SJD Accountancy?

More information

If you are VAT registered you must charge VAT on the products or services you sell.

If you are VAT registered you must charge VAT on the products or services you sell. An Introduction to VAT VAT (value added tax) is a tax levied on sales of goods and services. If you are VAT registered you must charge VAT on the products or services you sell. Upon submission of each

More information

Put your money to work for you ANZ Investment Funds

Put your money to work for you ANZ Investment Funds Put your money to work for you ANZ Investment Funds INVESTMENT STATEMENT 17 DECEMBER 2014 Important information (The information in this section is required under the Securities Act 1978.) Investment decisions

More information

The 12 Step Follow Up System Finally A Follow Up System That s Simple, FUN and Most Importantly PROFITABLE!

The 12 Step Follow Up System Finally A Follow Up System That s Simple, FUN and Most Importantly PROFITABLE! The 12 Step Follow Up System Finally A Follow Up System That s Simple, FUN and Most Importantly PROFITABLE! Copyright 2013, All Rights Reserved Nancy Matthews Page 1 Congratulations! Welcome you to the

More information

Build Your Mailing List

Build Your Mailing List Introduction MailChimp makes it fun and easy to send email newsletters, manage subscriber lists and track newsletter performance, but what does that have to do with you? Why should churches be concerned

More information

opentraining.edu.au Course Guide Diploma of Human Resources Management 1 BSB50613

opentraining.edu.au Course Guide Diploma of Human Resources Management 1 BSB50613 Diploma of Human Resources Management Diploma of Human Resources Management 1 BSB50613 Diploma of Human Resources Management BSB50613 Human resources is often the lifeblood of any business or organisation,

More information

opentraining.edu.au Course Guide Diploma of Business 1 BSB50207

opentraining.edu.au Course Guide Diploma of Business 1 BSB50207 Diploma of Business Diploma of Business 1 BSB50207 Diploma of Business BSB50207 Our Diploma of Business will equip you with skills to lead and support a wide range of enterprise functions. You'll become

More information

Certificate IV in Marketing Certificate IV in Marketing 1 BSB41307. opentraining.edu.au. Course Guide

Certificate IV in Marketing Certificate IV in Marketing 1 BSB41307. opentraining.edu.au. Course Guide Certificate IV in Marketing Certificate IV in Marketing 1 BSB41307 Certificate IV in Marketing BSB41307 The best brands are the ones that cut-through because they offer something relevant. It s about creating

More information

BUSINESS PLAN PRICING OPTIONS Your Business Compliance & Management Accounting Partnering with Xero

BUSINESS PLAN PRICING OPTIONS Your Business Compliance & Management Accounting Partnering with Xero In affiliation with Stott Accounting & Taxation Services BUSINESS PLAN PRICING OPTIONS Your Business Compliance & Management Accounting Partnering with Xero Sales Payroll Budgeting BUSINESS ADVISOR GST

More information

SAMA CONFERENCE Tax and the Doctor Presented By Hassen Kajie

SAMA CONFERENCE Tax and the Doctor Presented By Hassen Kajie SAMA CONFERENCE Tax and the Doctor Presented By Hassen Kajie 2 Contents Introduction Income Tax Pay as you earn Value added Tax Capital Gains Tax Donations Tax Estate Duty To incorporate or not Examples

More information

Flexi Loan Repayment Protection

Flexi Loan Repayment Protection Flexi Loan Repayment Protection Product Disclosure Statement and policy wording 1 Effective 13 July 2015 Introducing Flexi Loan Repayment Protection. What is it? Flexi Loan Repayment Protection is insurance

More information

INTRODUCING MAXXIA MYCAR A GUIDE TO NOVATED LEASING AND SALARY PACKAGING THE CAR YOU WANT

INTRODUCING MAXXIA MYCAR A GUIDE TO NOVATED LEASING AND SALARY PACKAGING THE CAR YOU WANT INTRODUCING MAXXIA MYCAR A GUIDE TO NOVATED LEASING AND SALARY PACKAGING THE CAR YOU WANT X Communication Plan (0909) Maxxia Pty Ltd Have you thought about buying a car and wondered if a novated lease

More information

Business Introduction Script Introduction

Business Introduction Script Introduction Business Introduction Script Introduction Hi NAME, this is YOUR NAME from Online Business Systems. We had an appointment set up to discuss the details of our work from home business. Are you still available

More information

Certificate III in Business Administration 1 BSB30412

Certificate III in Business Administration 1 BSB30412 Certificate III in Business Administration Certificate III in Business Administration 1 BSB30412 Certificate III in Business Administration BSB30412 With our Certificate III in Business Administration,

More information

IR 361 April 2011. Tax and your property transactions

IR 361 April 2011. Tax and your property transactions IR 361 April 2011 Tax and your property transactions 2 Tax and your property transactions www.ird.govt.nz Go to our website for information, services and tools. Secure online services login to check your

More information

Individual income tax return guide

Individual income tax return guide IR 3G March 2014 Individual income tax return guide 2014 Please read page 5 to see if you need to file this return. Complete and send us your IR 3 return by 7 July 2014, unless you have an extension of

More information

Certificate IV in Training and Assessment 1 TAE40110

Certificate IV in Training and Assessment 1 TAE40110 Certificate IV in Training and Assessment Certificate IV in Training and Assessment 1 TAE40110 Certificate IV in Training and Assessment TAE40110 Our Certificate IV in Training and Assessment will prepare

More information

Certificate IV in Human Resources Certificate IV in Human Resources 1 BSB41013. opentraining.edu.au. Course Guide

Certificate IV in Human Resources Certificate IV in Human Resources 1 BSB41013. opentraining.edu.au. Course Guide Certificate IV in Human Resources Certificate IV in Human Resources 1 BSB41013 Certificate IV in Human Resources BSB41013 Human Resources is the kind of job where you have many different responsibilities,

More information

you are here 10 Questions to Ask About Your Web Design Project a product of the minds @

you are here 10 Questions to Ask About Your Web Design Project a product of the minds @ you are here x 10 Questions to Ask About Your Web Design Project a product of the minds @ What s Inside When your business needs a new website, deciding what you want is sometimes the hardest part. You

More information

Travel agents guide to SMS messaging. How to use SMS messaging for marketing, booking, and customer support

Travel agents guide to SMS messaging. How to use SMS messaging for marketing, booking, and customer support Travel agents guide to SMS messaging How to use SMS messaging for marketing, booking, and customer support Why should you use SMS messaging? When was the last time you didn t have your mobile? Chances

More information

Make your move for a secure fi nancial future GESB FINANCIAL ADVICE

Make your move for a secure fi nancial future GESB FINANCIAL ADVICE Make your move for a secure fi nancial future GESB FINANCIAL ADVICE ISSUE DATE: 1 July 2012 Who needs fi nancial advice anyway? Financial advice isn t just for those breathing the rarefi ed air. It s for

More information

Individual income tax return guide

Individual income tax return guide IR 3G May 2013 Individual income tax return guide 2013 Please read page 5 to see if you need to file this return. Complete and send us your IR 3 return by 7 July 2013, unless you have an extension of time

More information

Financial Tip Sheet For NQTs

Financial Tip Sheet For NQTs 15 Gold Hill, Shaftesbury, SP7 8HB www.ez-isa.com mark@ez-isa.com 079 8376 9606 023 8022 2410 Financial Tip Sheet For NQTs Table of Contents Financial Tip Sheet For NQTs... 1 Why is this written?... 1

More information

Discover Broadband. A quick guide to your Virgin Broadband service

Discover Broadband. A quick guide to your Virgin Broadband service Discover Broadband A quick guide to your Virgin Broadband service Contents Discover the internet with Virgin Broadband 2 Getting to know your Super Hub 4 Top tips on getting the best 6 wireless connection

More information

3-2: Open a Savings Account

3-2: Open a Savings Account MODULE 3: SAVINGS/SPENDING PLAN 3-2: Open a Savings Account Cast List Darryl Terri Millie Dunn, consumer financial expert with Lifetime Savings and Loan; 60-65, motherly Caucasian woman Synopsis Terri

More information

CommBank Small Business app User Guide

CommBank Small Business app User Guide CommBank Small Business app User Guide CommBank Small Business app user guide 2 Contents Welcome to the CommBank Small Business app 4 CommBank Small Business app in 5 easy steps 4 We re here to help 4

More information

GET THE CAR YOU LOVE THE SMART AND EASY WAY

GET THE CAR YOU LOVE THE SMART AND EASY WAY GET THE CAR YOU LOVE THE SMART AND EASY WAY What is Novated Leasing? NOVATED LEASING MADE EASY A Novated Lease is a three way agreement between you, Custom Fleet and your employer. It can potentially save

More information

TAX DIRECTIONS. What you need to know about GST

TAX DIRECTIONS. What you need to know about GST TAX DIRECTIONS Information to help your business Information to help your business What you need to know about GST IR 214 April 2014 IR 214 June 2007 This brochure gives you an overview of GST (goods and

More information

Individual income tax return guide

Individual income tax return guide IR 3G April 2012 Individual income tax return guide 2012 Please read page 5 to see if you need to file this return. Complete and send us your IR 3 return by 7 July 2012, unless you have an extension of

More information

New Business Start-up & Business Purchase Package

New Business Start-up & Business Purchase Package Ph. (07) 5592 3644 Fax: (07) 5527 6739 Unit 10, The Pegasus Centre, 42 Bundall Road, Bundall QLD 4217 PO Box 7826 GCMC, Bundall QLD 4217 www.walshaccountants.com info@walshaccountants.com New Business

More information

Employment and Support Allowance

Employment and Support Allowance Employment and Support Allowance Help if you are ill or disabled Contents 3 About Employment and Support Allowance 4 Who can get Employment and Support Allowance 6 What happens when I claim? 7 Helping

More information

Entrepreneur Systems: Business Systems Development Tool

Entrepreneur Systems: Business Systems Development Tool Creating Your Follow Up System Create an 8 series autoresponder sequence for a prospect Create a 6 series autoresponder sequence for one of your products or services Create a content template for a newsletter

More information

Personal Loan Protection. Product Disclosure Statement and policy wording

Personal Loan Protection. Product Disclosure Statement and policy wording Personal Loan Protection Product Disclosure Statement and policy wording Effective 13 July 2015 Introducing Personal Loan Protection. What is it? Personal Loan Protection is insurance designed to help

More information

Be more prepared. Is contracting the right choice for you?

Be more prepared. Is contracting the right choice for you? Be more prepared Is contracting the right choice for you? Working as a contractor or freelancer what s it all about? Working as a contractor or freelancer is very different from standard employment. When

More information

Admarkt User Guide. Your best advertising solution

Admarkt User Guide. Your best advertising solution Admarkt User Guide Your best advertising solution What s Inside Welcome to Admarkt by Kijiji How Admarkt will help your business shine! Sounds good so tell me about the benefits! More of what you want,

More information

Manage your. The 8 best ways to ask for payments. Increase your sales through customer feedback. How to stay on top of your.

Manage your. The 8 best ways to ask for payments. Increase your sales through customer feedback. How to stay on top of your. Manage your cash flow Increase your sales through customer feedback The 8 best ways to ask for payments How to stay on top of your cash flow What is cash flow? As any small business owner or adviser will

More information