<?xml version="1.0" encoding="UTF-8" ?><!-- generator=Zoho Sites --><rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:content="http://purl.org/rss/1.0/modules/content/"><channel><atom:link href="https://www.rbizz.com.au/blogs/latest-business-news-and-alerts/feed" rel="self" type="application/rss+xml"/><title>RBizz Corporate Accountants - Resources , News Alerts</title><description>RBizz Corporate Accountants - Resources , News Alerts</description><link>https://www.rbizz.com.au/blogs/latest-business-news-and-alerts</link><lastBuildDate>Wed, 30 Sep 2026 18:47:27 +1000</lastBuildDate><generator>http://zoho.com/sites/</generator><item><title><![CDATA[The ATO Doesn't Care How Busy You Were. Here's What Actually Protects You When a Deadline Slips.]]></title><link>https://www.rbizz.com.au/blogs/post/the-ato-doesn-t-care-how-busy-you-were.-here-s-what-actually-protects-you-when-a-deadline-slips.</link><description><![CDATA[<img align="left" hspace="5" src="https://www.rbizz.com.au/the-ato-doesn-t-care-how-busy-you-were.-here-s-what-actually-protects-you-when-a-deadline-slips.png"/>Being busy isn't a defence the ATO recognises, but proactively communicating before a deadline slips — and lodging on time even when payment must follow separately — genuinely changes how a late obligation is treated.]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_rLr27Q5WTT2JxXs4zzUz0A" data-element-type="section" class="zpsection "><style type="text/css"></style><div class="zpcontainer-fluid zpcont-full-stretch"><div data-element-id="elm_LcxFI6lSQSaYJNUM7lFJyQ" data-element-type="row" class="zprow zprow-container zpalign-items-flex-start zpjustify-content- " data-equal-column="false"><style type="text/css"></style><div data-element-id="elm_vsJMgL9DR329hnOEhe1Ojg" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"> [data-element-id="elm_vsJMgL9DR329hnOEhe1Ojg"].zpelem-col{ background-color:#CEE0F3; background-image:unset; } </style><div data-element-id="elm_Ks9fxmFlf0wAAV6ye_a86A" data-element-type="image" class="zpelement zpelem-image "><style> @media (min-width: 992px) { [data-element-id="elm_Ks9fxmFlf0wAAV6ye_a86A"] .zpimage-container figure img { width: 979.64px ; height: 383px ; } } </style><div data-caption-color="" data-size-tablet="" data-size-mobile="" data-align="center" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimage-container zpimage-align-center zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-fit zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit hb-lightbox " data-lightbox-options="
                type:fullscreen,
                theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/The%20ATO%20Doesn-t%20Care%20How%20Busy%20You%20Were.%20Here-s%20What%20Actually%20Protects%20You%20When%20a%20Deadline%20Slips.png" size="fit" alt="If Your Tax Bill Ever Surprises You, Your Accountant Isn't Doing Their Job" data-lightbox="true"/></picture></span></figure></div>
</div><div data-element-id="elm_BZZsTInKaToy96W1KKwp9Q" data-element-type="heading" class="zpelement zpelem-heading "><style></style><h2
 class="zpheading zpheading-align-center zpheading-align-mobile-center zpheading-align-tablet-center " data-editor="true"><span>The ATO Doesn't Care How Busy You Were. Here's What Actually Protects You When a Deadline Slips.</span><br/></h2></div>
<div data-element-id="elm_2kKy5S8AbGT88R2wStMBAg" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_2kKy5S8AbGT88R2wStMBAg"].zpelem-divider{ margin-block-start:-12px; } </style><style> [data-element-id="elm_2kKy5S8AbGT88R2wStMBAg"] .zpdivider-container .zpdivider-common:after, [data-element-id="elm_2kKy5S8AbGT88R2wStMBAg"] .zpdivider-container .zpdivider-common:before{ border-color:#3004EA } </style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q"].zpelem-text { margin-block-start:7px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;">Every business owner has, at some point, missed a deadline while genuinely swamped running the business itself. It's an understandable reason. It's also not one the ATO treats as a valid excuse — being busy doesn't pause interest charges or stop a failure-to-lodge penalty from applying. What actually changes the outcome isn't the reason for the delay. It's what you do about it before the deadline passes, not after.</div></div>
</div><div data-element-id="elm_hXxdrlR8q2TlsYNolmsPSQ" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_hXxdrlR8q2TlsYNolmsPSQ"].zpelem-divider{ margin-block-start:-6px; } </style><style> [data-element-id="elm_hXxdrlR8q2TlsYNolmsPSQ"] .zpdivider-container .zpdivider-common:after, [data-element-id="elm_hXxdrlR8q2TlsYNolmsPSQ"] .zpdivider-container .zpdivider-common:before{ border-color:#3004EA } </style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_a1LdKGKu7BDi5M9MH9c3Zw" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><p><span style="font-size:24px;color:rgb(19, 80, 197);"><strong><span><strong></strong></span></strong></span></p><div><h3></h3></div>
<p></p><h3><strong><span><span style="font-size:20px;"><strong><div></div></strong></span></span></strong></h3><h3><span><strong><span><strong><div></div></strong></span></strong></span></h3><h3><div></div></h3><h3><strong><span style="font-size:24px;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>Why &quot;We Were Busy&quot; Doesn't Help</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong><br/></h3></div>
</div><div data-element-id="elm_xPwY5DwPI_O4GS9DF66ETg" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_xPwY5DwPI_O4GS9DF66ETg"].zpelem-text { margin-block-start:7px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;">The ATO's systems and penalty frameworks are built around whether an obligation was met, not why it wasn't. A genuinely hectic quarter and simple negligence are treated identically once a lodgment is late — the penalty and interest calculations don't distinguish between the two.<br/></div></div>
</div><div data-element-id="elm_TR9w7GT2hxbDnp-8c0B9kw" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><p><span style="font-size:24px;color:rgb(19, 80, 197);"><strong><span><strong></strong></span></strong></span></p><div><h3></h3></div>
<p></p><h3><strong><span><span style="font-size:20px;"><strong><div></div></strong></span></span></strong></h3><h3><span><strong><span><strong><div></div></strong></span></strong></span></h3><h3><div></div></h3><h3><strong><span style="font-size:24px;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>What &quot;Being Tracked Properly&quot; Actually Looks Like&nbsp;<span>What Actually Does Make a Difference</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong><br/></h3></div>
</div><div data-element-id="elm_6nAeB7ALlTXKzTHSGnThdg" data-element-type="imagetext" class="zpelement zpelem-imagetext "><style> @media (min-width: 992px) { [data-element-id="elm_6nAeB7ALlTXKzTHSGnThdg"] .zpimagetext-container figure img { width: 302px !important ; height: 302px !important ; } } </style><div data-size-tablet="" data-size-mobile="" data-align="left" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimagetext-container zpimage-with-text-container zpimage-align-left zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-custom zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit hb-lightbox " data-lightbox-options="
            type:fullscreen,
            theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/CALL%20FIRST%20NOT%20AFTER.png" size="custom" alt="Reaching out before the deadline, not after. A business that proactively flags it won't make a deadline — and asks about options — is treated very differently to one that simply goes quiet and misses it." data-lightbox="true"/></picture></span></figure><div class="zpimage-text zpimage-text-align-left zpimage-text-align-mobile-left zpimage-text-align-tablet-left " data-editor="true"><p></p><p style="line-height:2;"><span style="font-size:16px;"><br/></span></p><p style="line-height:2;"><span style="font-size:16px;"><br/></span></p><p style="line-height:2;"><strong style="font-size:16px;"><br/></strong></p><p style="line-height:2;"><strong style="font-size:16px;"></strong><span style="font-size:16px;"><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong>Reaching out before the deadline, not after.</strong> A business that proactively flags it won't make a deadline — and asks about options — is treated very differently to one that simply goes quiet and misses it.</span></span></span></span></span></span></span></span></span></span></span></span></span><span style="font-size:16px;"></span></p></div>
</div></div><div data-element-id="elm_guKyqCk7wAC13UO8--T8NQ" data-element-type="imagetext" class="zpelement zpelem-imagetext "><style> @media (min-width: 992px) { [data-element-id="elm_guKyqCk7wAC13UO8--T8NQ"] .zpimagetext-container figure img { width: 302px !important ; height: 302px !important ; } } </style><div data-size-tablet="" data-size-mobile="" data-align="left" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimagetext-container zpimage-with-text-container zpimage-align-left zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-custom zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit hb-lightbox " data-lightbox-options="
            type:fullscreen,
            theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/ONE%20SIP%20NOT%20A%20PATTERN.png" size="custom" alt="A track record of on-time lodgment otherwise. An isolated, communicated delay against a strong compliance history carries far less weight than a pattern of repeated lateness." data-lightbox="true"/></picture></span></figure><div class="zpimage-text zpimage-text-align-left zpimage-text-align-mobile-left zpimage-text-align-tablet-left " data-editor="true"><p></p><p style="line-height:2;"><span style="font-size:16px;"><br/></span></p><p style="line-height:2;"><span style="font-size:16px;"><br/></span></p><p style="line-height:2;"><strong style="font-size:16px;"><br/></strong></p><p style="line-height:2;"><strong style="font-size:16px;"></strong><span style="font-size:16px;"><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong></strong><span><strong>A track record of on-time lodgment otherwise.</strong> An isolated, communicated delay against a strong compliance history carries far less weight than a pattern of repeated lateness.</span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="font-size:16px;"></span></p></div>
</div></div><div data-element-id="elm_0VVOVojYL1_W7SSHhAqk-Q" data-element-type="imagetext" class="zpelement zpelem-imagetext "><style> @media (min-width: 992px) { [data-element-id="elm_0VVOVojYL1_W7SSHhAqk-Q"] .zpimagetext-container figure img { width: 302px !important ; height: 302px !important ; } } </style><div data-size-tablet="" data-size-mobile="" data-align="left" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimagetext-container zpimage-with-text-container zpimage-align-left zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-custom zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit hb-lightbox " data-lightbox-options="
            type:fullscreen,
            theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/LODGE%20NOW%20PAY%20LATER.png" size="custom" alt="Lodging even when you can't pay. Separating the lodgment from the payment matters enormously — lodging on time while genuinely short on cash preserves options that disappear entirely once lodgment itself is also late." data-lightbox="true"/></picture></span></figure><div class="zpimage-text zpimage-text-align-left zpimage-text-align-mobile-left zpimage-text-align-tablet-left " data-editor="true"><p style="line-height:2;"><span style="font-size:16px;"><span><span><span><span><span><span><span><span><span><span><span><span><span><br/></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p><p style="line-height:2;"><span style="font-size:16px;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><strong><br/></strong></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p><p style="line-height:2;"><span style="font-size:16px;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><strong><br/></strong></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></p><p style="line-height:2;"><span style="font-size:16px;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><strong>Lodging even when you can't pay.</strong> Separating the lodgment from the payment matters enormously — lodging on time while genuinely short on cash preserves options that disappear entirely once lodgment itself is also late.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><span style="font-size:16px;"></span></p></div>
</div></div><div data-element-id="elm_LyU0xggEnNBAnGUdgah5xw" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><p><span style="font-size:24px;color:rgb(19, 80, 197);"><strong><span><strong></strong></span></strong></span></p><div><h3></h3></div>
<p></p><h3><strong><span><span style="font-size:20px;"><strong><div></div></strong></span></span></strong></h3><h3><span><strong><span><strong><div></div></strong></span></strong></span></h3><h3><div></div></h3><h3><strong><span style="font-size:24px;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>The Distinction Worth Understanding</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong><br/></h3></div>
</div><div data-element-id="elm_4TaZTp6BVJLKnWT3RuT4qw" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_4TaZTp6BVJLKnWT3RuT4qw"].zpelem-text { margin-block-start:7px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span>Missing a deadline because you were busy isn't a defence. But the businesses that come through a missed deadline without serious consequences are almost always the ones who communicated early, kept lodging even when payment was delayed, and didn't let one missed date become a pattern of silence.</span></span></div></div>
</div><div data-element-id="elm_Wk5kncqS-MdAm4_fEUjQpg" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><p><span style="font-size:24px;color:rgb(19, 80, 197);"><strong><span><strong></strong></span></strong></span></p><div><h3></h3></div>
<p></p><h3><strong><span><span style="font-size:20px;"><strong><div></div></strong></span></span></strong></h3><h3><span><strong><span><strong><div></div></strong></span></strong></span></h3><h3><div></div></h3><h3><span><strong><span><strong><span><strong><span><strong><span><span><span><span><span><span><span><span><span><span><span><span><span><div></div></span></span></span></span></span></span></span></span></span></span></span></span></span></strong></span></strong></span></strong></span></strong></span></h3><h2><span><span><span><span><span><span><div></div></span></span></span></span></span></span></h2><h3><span><span><span><span><span><span><div></div></span></span></span></span></span></span></h3><h2></h2><h2><span style="font-size:28px;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>What to Do If a Deadline Is Genuinely at Risk</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></h2></div>
</div><div data-element-id="elm_zT8VXuwf9HXzycki5oERKg" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_zT8VXuwf9HXzycki5oERKg"].zpelem-text { margin-block-start:8px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div><ol><li>Identify the risk before the due date, not on it.</li><li>Contact your accountant or the ATO directly to flag the situation and explore options.</li><li>Prioritise lodging on time even if payment needs to follow separately — the two aren't the same obligation, and treating them as one is a common, costly mistake.</li></ol><p><strong>RBizz keeps client deadlines tracked and flagged well in advance, so a busy quarter never quietly turns into a missed obligation. Get in touch if you're worried about an upcoming deadline right now.</strong></p></div></div>
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</div></div></div></div></div></div> ]]></content:encoded><pubDate>Fri, 25 Sep 2026 04:17:29 +1000</pubDate></item><item><title><![CDATA[Q1 of This Financial Year Closes in Eight Days — Here's What's Worth Fixing Before It Locks In]]></title><link>https://www.rbizz.com.au/blogs/post/q1-of-this-financial-year-closes-in-eight-days-—-here-s-what-s-worth-fixing-before-it-locks-in</link><description><![CDATA[<img align="left" hspace="5" src="https://www.rbizz.com.au/q1-of-this-financial-year-closes-in-eight-days-—-here-s-what-s-worth-fixing-before-it-locks-in.png"/>With Q1 closing on 30 September, this is the last real window to correct anything — a fix made now is a course adjustment, while the same fix in October becomes a more expensive cleanup exercise.]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_rLr27Q5WTT2JxXs4zzUz0A" data-element-type="section" class="zpsection "><style type="text/css"></style><div class="zpcontainer-fluid zpcont-full-stretch"><div data-element-id="elm_LcxFI6lSQSaYJNUM7lFJyQ" data-element-type="row" class="zprow zprow-container zpalign-items-flex-start zpjustify-content- " data-equal-column="false"><style type="text/css"></style><div data-element-id="elm_vsJMgL9DR329hnOEhe1Ojg" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"> [data-element-id="elm_vsJMgL9DR329hnOEhe1Ojg"].zpelem-col{ background-color:#CEE0F3; background-image:unset; } </style><div data-element-id="elm_Ks9fxmFlf0wAAV6ye_a86A" data-element-type="image" class="zpelement zpelem-image "><style> @media (min-width: 992px) { [data-element-id="elm_Ks9fxmFlf0wAAV6ye_a86A"] .zpimage-container figure img { width: 979.64px ; height: 383px ; } } </style><div data-caption-color="" data-size-tablet="" data-size-mobile="" data-align="center" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimage-container zpimage-align-center zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-fit zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit hb-lightbox " data-lightbox-options="
                type:fullscreen,
                theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/Q1%20of%20This%20Financial%20Year%20Closes%20in%20Eight%20Days%20%E2%80%94%20Here-s%20What-s%20Worth%20Fixing%20Before%20It%20Locks%20In.png" size="fit" alt="Q1 of This Financial Year Closes in Eight Days — Here's What's Worth Fixing Before It Locks In" data-lightbox="true"/></picture></span></figure></div>
</div><div data-element-id="elm_BZZsTInKaToy96W1KKwp9Q" data-element-type="heading" class="zpelement zpelem-heading "><style></style><h2
 class="zpheading zpheading-align-center zpheading-align-mobile-center zpheading-align-tablet-center " data-editor="true"><span></span><span>Q1 of This Financial Year Closes in Eight Days — Here's What's Worth Fixing Before It Locks In</span><span></span><span><span><span></span></span></span><br/></h2></div>
<div data-element-id="elm_2kKy5S8AbGT88R2wStMBAg" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_2kKy5S8AbGT88R2wStMBAg"].zpelem-divider{ margin-block-start:-12px; } </style><style> [data-element-id="elm_2kKy5S8AbGT88R2wStMBAg"] .zpdivider-container .zpdivider-common:after, [data-element-id="elm_2kKy5S8AbGT88R2wStMBAg"] .zpdivider-container .zpdivider-common:before{ border-color:#3004EA } </style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q"].zpelem-text { margin-block-start:7px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div></div><div><div></div><div style="line-height:2;"><div></div>The first quarter of this financial year closes on 30 September — just over a week away. Once it closes, the numbers are what they are. Anything worth adjusting needs to happen now, while there's still a genuine window to act, rather than after the quarter becomes a fixed part of the year's story.<div style="line-height:2;"></div></div><div style="line-height:2;"></div></div><div style="line-height:2;"><span><span><span></span></span></span></div></div>
</div><div data-element-id="elm_hXxdrlR8q2TlsYNolmsPSQ" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_hXxdrlR8q2TlsYNolmsPSQ"].zpelem-divider{ margin-block-start:-6px; } </style><style> [data-element-id="elm_hXxdrlR8q2TlsYNolmsPSQ"] .zpdivider-container .zpdivider-common:after, [data-element-id="elm_hXxdrlR8q2TlsYNolmsPSQ"] .zpdivider-container .zpdivider-common:before{ border-color:#3004EA } </style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_a1LdKGKu7BDi5M9MH9c3Zw" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><p><span style="font-size:24px;color:rgb(19, 80, 197);"><strong><span><strong></strong></span></strong></span></p><div><h3></h3></div>
<p></p><h3><strong><span><span style="font-size:20px;"><strong><div></div></strong></span></span></strong></h3><h3><span><strong><span><strong><div></div></strong></span></strong></span></h3><h3><div></div></h3><h3><strong><span style="font-size:24px;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>Why This Specific Week Matters</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong><br/></h3></div>
</div><div data-element-id="elm_xPwY5DwPI_O4GS9DF66ETg" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_xPwY5DwPI_O4GS9DF66ETg"].zpelem-text { margin-block-start:7px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;">A small correction made this week is a course adjustment. The same correction made in October is a cleanup exercise — still possible, but nowhere near as clean, and often more expensive once interest, penalties, or missed opportunities are factored in.<div style="line-height:2;"><div style="line-height:2;"></div></div></div><div style="line-height:2;"><div style="line-height:2;"></div></div></div>
</div><div data-element-id="elm_nlVjIyzepqgdLPdfUutnow" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><h3><strong><span style="font-size:24px;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>What's Worth Checking Before 30 September</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong><br/></h3></div>
</div><div data-element-id="elm_6idjxcr7-wbGftjxWfvT4g" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_6idjxcr7-wbGftjxWfvT4g"].zpelem-text { margin-block-start:7px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><div><p><strong>Are your PAYG instalments still based on last year's figures</strong>, or have they been reviewed against how Q1 has actually played out?</p><p><strong>Is your Q1 BAS genuinely reconciled</strong>, or being assembled at the last minute from three months of loosely tracked transactions?</p><p><strong>Has anything material changed since the year began</strong> — a client won or lost, a cost that shifted, a new hire — that isn't yet reflected in your forecast for the rest of the year?</p><p><strong>If you're planning any contribution or structuring decision tied to this quarter</strong>, is there still time to act, or has the window already effectively closed?</p></div><div style="line-height:2;"><div style="line-height:2;"></div></div></div><div style="line-height:2;"><div style="line-height:2;"></div></div></div>
</div><div data-element-id="elm_Wk5kncqS-MdAm4_fEUjQpg" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><p><span style="font-size:24px;color:rgb(19, 80, 197);"><strong><span><strong></strong></span></strong></span></p><div><h3></h3></div>
<p></p><h3><strong><span><span style="font-size:20px;"><strong><div></div></strong></span></span></strong></h3><h3><span><strong><span><strong><div></div></strong></span></strong></span></h3><h3><div></div></h3><h3><span><strong><span><strong><span><strong><span><strong><span><span><span><span><span><span><span><span><span><span><span><span><span><div></div></span></span></span></span></span></span></span></span></span></span></span></span></span></strong></span></strong></span></strong></span></strong></span></h3><h2><span><span><span><span><span><span><div></div></span></span></span></span></span></span></h2><h3><span><span><span><span><span><span><div></div></span></span></span></span></span></span></h3><h2></h2><h2><span style="font-size:28px;"><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span><span>This Isn't a Full Review — It's a Fifteen-Minute Gut Check</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></h2></div>
</div><div data-element-id="elm_zT8VXuwf9HXzycki5oERKg" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_zT8VXuwf9HXzycki5oERKg"].zpelem-text { margin-block-start:8px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div><div><p>The goal this week isn't a deep financial audit. It's a genuine, honest look at three months of real numbers against what you assumed back in June, with just enough time left to adjust anything that's clearly off before the quarter locks in.</p><p><strong><br/></strong></p><p><strong>RBizz can run a quick Q1 check against your plan before 30 September. Get in touch this week if you haven't looked at your actual numbers since the quarter began.</strong></p></div></div></div>
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</div></div></div></div></div></div> ]]></content:encoded><pubDate>Fri, 25 Sep 2026 04:16:54 +1000</pubDate></item><item><title><![CDATA[Alternatives to the Small Business Superannuation Clearing House]]></title><link>https://www.rbizz.com.au/blogs/post/alternatives-to-the-small-business-superannuation-clearing-house</link><description><![CDATA[<img align="left" hspace="5" src="https://www.rbizz.com.au/alternatives-to-the-small-business-superannuation-clearing-house.jpg"/>On 1 July 2026, the Small Business Superannuation Clearing House (SBSCH) will close permanently as part of the Payday Super reforms. With only a few months left, employers still using the SBSCH need to find an alternative option, and soon.]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_rLr27Q5WTT2JxXs4zzUz0A" data-element-type="section" class="zpsection "><style type="text/css"></style><div class="zpcontainer-fluid zpcontainer"><div data-element-id="elm_LcxFI6lSQSaYJNUM7lFJyQ" data-element-type="row" class="zprow zprow-container zpalign-items-flex-start zpjustify-content- " data-equal-column="false"><style type="text/css"></style><div data-element-id="elm_vsJMgL9DR329hnOEhe1Ojg" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"></style><div data-element-id="elm_qAozCBjvTfeJ6imtBIm2OA" data-element-type="heading" class="zpelement zpelem-heading "><style></style><h2
 class="zpheading zpheading-align-center zpheading-align-mobile-center zpheading-align-tablet-center " data-editor="true"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><br/><span style="font-weight:700;"><span><span><span><strong style="text-align:center;"><span><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><span><span style="font-weight:700;"><span><strong style="text-align:center;"><span><span><span><strong style="text-align:center;"><span><span><span style="font-weight:700;"><span><span><span><span><span><strong><span><span><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span><span><span><span><span><span><span><span><span style="font-weight:700;"><span><span><span><span><span style="font-weight:700;"><span><span><span style="font-weight:700;">Alternatives to the Small Business Superannuation Clearing House</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong><br/></span></span></span></span></span></span></span></span></strong></span></span></span></strong></span></span></span></span></span></span></span></span></span></span></strong></span></span></span></span></span></span></span></span></span></span></span></span></span></span></h2></div>
<div data-element-id="elm_2kKy5S8AbGT88R2wStMBAg" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_2kKy5S8AbGT88R2wStMBAg"].zpelem-divider{ margin-block-start:5px; } </style><style></style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_sygdFSB5z16GN9zuxquAtw" data-element-type="image" class="zpelement zpelem-image "><style> @media (min-width: 992px) { [data-element-id="elm_sygdFSB5z16GN9zuxquAtw"] .zpimage-container figure img { width: 1110px ; height: 555.00px ; } } </style><div data-caption-color="" data-size-tablet="" data-size-mobile="" data-align="center" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimage-container zpimage-align-center zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-fit zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit hb-lightbox " data-lightbox-options="
                type:fullscreen,
                theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/alternatives-to-the-small-business-superannuation-clearing-house%20-1-.jpg" size="fit" alt="SBSCH closure and Payday Super alternatives" data-lightbox="true"/></picture></span></figure></div>
</div><div data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q"].zpelem-text { margin-block-start:36px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p><span><span></span></span></p><div><p></p><div><p></p><span><span></span></span><span></span><span><span></span></span><div><p></p><span></span><span><span><span><span><span><span><span><span><p></p><span><p></p><div><p></p><div><p></p><div><p></p><div><p></p><div><div></div>
<div><p></p><div><p></p><div><p><em></em></p><div><p><em></em></p><span><span><span><div><p></p><div><p></p><div><p></p><div><blockquote><p></p></blockquote><div><p></p></div><span><span><div><p></p><span></span></div></span></span><span><div><p></p><div><p></p><span><span>On 1 July 2026, the Small Business Superannuation Clearing House (SBSCH) will close permanently as part of the Payday Super reforms. With only a few months left, employers still using the SBSCH need to find an alternative option, and soon.</span></span><p></p></div><p></p></div></span></div><p></p></div><p></p></div><p></p></div></span></span></span><p></p></div>
<p></p></div><p></p></div><p></p></div><div></div></div><p></p></div><p></p></div>
<p></p></div><p></p></div><p></p></span><p></p></span></span></span></span></span></span></span></span></div>
</div></div><p></p></div></div></span></span></div></div></div><div data-element-id="elm_OPweokMf5yTcMNbXPRioIg" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_OPweokMf5yTcMNbXPRioIg"].zpelem-text { margin-block-start:31px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><div><h3 style="text-align:center;"></h3><h3 style="text-align:center;"><div></div></h3><h3></h3></div>
<h3 style="text-align:center;"><span><span><div></div></span></span></h3><h3 style="text-align:center;"><span><span></span></span></h3><h3></h3><h3><strong><span style="font-size:24px;"><span><strong><span><strong><span><strong><div></div></strong></span></strong></span></strong></span></span></strong></h3><h3 style="text-align:center;"><div></div></h3><h3><span><div></div></span></h3><h3></h3><h3><span style="font-size:26px;"><em><span><div></div></span></em></span></h3><h3><span style="font-size:26px;"><div></div></span></h3><h3><strong><span><strong><span><strong><span><strong><span><span><span><strong><span><strong><div></div></strong></span></strong></span></span></span></strong></span></strong></span></strong></span></strong></h3><h3></h3><h3><strong><span style="font-size:24px;"><strong><div></div></strong></span></strong></h3><h3><div></div></h3><h3><span><strong><span><strong><span><span><div></div></span></span></strong></span></strong></span></h3><h3></h3><h3><strong><span><strong><div><p><strong>Don’t wait until the last minute</strong></p></div></strong></span></strong></h3><p></p></div>
</div><div data-element-id="elm_NY_Qkp9Yu8Zr2MIGwedWNg" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_NY_Qkp9Yu8Zr2MIGwedWNg"].zpelem-text { margin-block-start:9px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p><span><span></span></span></p><div><p></p><div><p></p><span><span></span></span><span></span><span><span></span></span><div><p></p><span></span><span><span><span><span><span><span><span><span><p></p><span><p></p><div><p></p><div><p></p><div><p></p><div><p></p><div><div></div>
<div><p></p><div><p></p><div><p></p><div><p></p><div><p></p><span><span><p></p><div><p></p><div><p><span><span></span></span></p><div><p></p><div><p><strong></strong></p><div><p></p><div><p></p></div></div></div></div><span></span></div><span></span><div><p></p><div><p></p><div><p>If you currently pay your superannuation quarterly, the Australian Taxation Office (ATO) recommends that the super payment for the January-March 2026 quarter (due 28 April 2026) be the last payment you make through the SBSCH. That way, you give yourself time to find and adjust to a new provider before you need to pay super for the April-June 2026 quarter.</p><p>Remember, the April –June quarter payment (due 28 July 2026) cannot be made using the SBSCH after 30 June 2026.</p></div><p></p></div><p></p></div><div><p></p></div>
</div><p></p></span></span><p></p></div><p></p></div><p></p></div><p></p></div><p></p></div><div></div></div><p></p></div><p></p></div><p></p></div><p></p></div>
<p></p></span><p></p></span></span></span></span></span></span></span></span></div>
</div></div><p></p></div></div></span></span></div></div></div><div data-element-id="elm_kvCn75N1uxNnp9GmZ-EW7Q" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_kvCn75N1uxNnp9GmZ-EW7Q"].zpelem-text { margin-block-start:31px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><div><h3 style="text-align:center;"></h3><h3 style="text-align:center;"><div></div></h3><h3></h3></div>
<h3 style="text-align:center;"><span><span><div></div></span></span></h3><h3 style="text-align:center;"><span><span></span></span></h3><h3></h3><h3><strong><span style="font-size:24px;"><span><strong><span><strong><span><strong><div></div></strong></span></strong></span></strong></span></span></strong></h3><h3 style="text-align:center;"><div></div></h3><h3><span><div></div></span></h3><h3></h3><h3><span style="font-size:26px;"><em><span><div></div></span></em></span></h3><h3><span style="font-size:26px;"><div></div></span></h3><h3><strong><span><strong><span><strong><span><strong><span><span><span><strong><span><strong><div></div></strong></span></strong></span></span></span></strong></span></strong></span></strong></span></strong></h3><h3></h3><h3><strong><span style="font-size:24px;"><strong><div></div></strong></span></strong></h3><h3><div></div></h3><h3><span><strong><span><strong><span><span><div></div></span></span></strong></span></strong></span></h3><h3></h3><h3><strong><span><strong><span><strong><span><strong>Choosing a new provider</strong></span></strong></span></strong></span></strong></h3><p></p></div>
</div><div data-element-id="elm_C3208Y6MqXhbqR1fD8cU_A" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_C3208Y6MqXhbqR1fD8cU_A"].zpelem-text { margin-block-start:9px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p><span><span></span></span></p><div><p></p><div><p></p><span><span></span></span><span></span><span><span></span></span><div><p></p><span></span><span><span><span><span><span><span><span><span><p></p><span><p></p><div><p></p><div><p></p><div><p></p><div><p></p><div><div></div>
<div><p></p><div><p></p><div><p></p><div><p></p><div><p></p><span><span><p></p><div><p></p><div><p><span><span></span></span></p><div><p></p><div><p><strong></strong></p><div><p></p><div><p></p></div></div></div></div><span></span></div><span></span><div><p></p><div><p></p><div><p></p><div><p>There are a lot of different options out there to replace the SBSCH:Check your existing payroll software, as it may well already have super functions that you can use to pay your employees’ super guarantee contributions.</p><p>Check other payroll software or providers that meet all SuperStream requirements.</p><p>Find a commercial clearing house or super fund that provides payment options—that might include your default super fund.</p><p>Once you’ve picked your new provider, make sure to trial it out well before 1 July 2026. That way, you can get comfortable with the new platform while also having the chance to troubleshoot any potential errors before Payday Super comes into effect.</p><p>As a reminder, Payday Super requires that employers pay their employees’ super at the same time as their salary and wages, with funds to be received into employees’ nominated funds within seven business days of payday.</p></div></div><p></p></div><p></p></div><div><p></p></div>
</div><p></p></span></span><p></p></div><p></p></div><p></p></div><p></p></div><p></p></div><div></div></div><p></p></div><p></p></div><p></p></div><p></p></div>
<p></p></span><p></p></span></span></span></span></span></span></span></span></div>
</div></div><p></p></div></div></span></span></div></div></div><div data-element-id="elm_mWYfn1F6NxpFlPC6PPZwtw" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_mWYfn1F6NxpFlPC6PPZwtw"].zpelem-text { margin-block-start:24px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><div><h3 style="text-align:center;"></h3><h3 style="text-align:center;"><div></div></h3><h3></h3></div>
<h3 style="text-align:center;"><span><span><div></div></span></span></h3><h3 style="text-align:center;"><span><span></span></span></h3><h3></h3><h3><strong><span style="font-size:24px;"><span><strong><span><strong><span><strong><div></div></strong></span></strong></span></strong></span></span></strong></h3><h3 style="text-align:center;"><div></div></h3><h3><span><div></div></span></h3><h3></h3><h3><span style="font-size:26px;"><em><span><div></div></span></em></span></h3><h3><span style="font-size:26px;"><div></div></span></h3><h3><strong><span><strong><span><strong><span><strong><span><span><span><strong><span><strong><div></div></strong></span></strong></span></span></span></strong></span></strong></span></strong></span></strong></h3><h3></h3><h3><strong><span style="font-size:24px;"><strong><span><strong><div></div></strong></span></strong></span></strong></h3><h3><div></div></h3><h3><span><span><span><div></div></span></span></span></h3><h3><span><strong><span><strong>Closing up your SBSCH account</strong></span></strong></span></h3><p></p></div>
</div><div data-element-id="elm_jP6yxzNgIXpxrhJ7XFZFJQ" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_jP6yxzNgIXpxrhJ7XFZFJQ"].zpelem-text { margin-block-start:9px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p><span><span></span></span></p><div><p></p><div><p></p><span><span></span></span><span></span><span><span></span></span><div><p></p><span></span><span><span><span><span><span><span><span><span><p></p><span><p></p><div><p></p><div><p></p><div><p></p><div><p></p><div><div></div>
<div><p></p><div><p></p><div><p></p><div><p></p><div><p></p><span><span><p></p><div><p></p><div><p><span><span></span></span></p><div><p></p><div><p></p><span><span><span><span><div><p></p><span><span><div><p></p><div><p></p><div><p></p><span><span><span><span><span><span><span><span><span>After 11:59 pm AEST on 30 June 2026, you won’t be able to log in to the SBSCH to submit instructions or view records, so make sure that you’ve finalised any payments and downloaded any reports from the SBSCH before it closes for good.</span></span></span></span></span></span></span></span></span><p></p></div><p></p></div><p></p></div></span></span></div></span></span></span></span><p></p></div><p></p></div></div></div></span></span><p></p><p></p></div>
</div><p></p></div></div></div></div></div></div></div></div></span></span><p></p></span></span></span></span></span></span></span></div><p></p></div><p></p></div><p></p></div>
<p></p></div><div></div></span></span></div><p></p><p></p><p></p><p></p><p></p><p></p><p></p></div>
</div><div data-element-id="elm_R16p_VQUuUGLCKneANaHCg" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_R16p_VQUuUGLCKneANaHCg"].zpelem-text { margin-block-start:24px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><div><h3 style="text-align:center;"></h3><h3 style="text-align:center;"><div></div></h3><h3></h3></div>
<h3 style="text-align:center;"><span><span><div></div></span></span></h3><h3 style="text-align:center;"><span><span></span></span></h3><h3></h3><h3><strong><span style="font-size:24px;"><span><strong><span><strong><span><strong><div></div></strong></span></strong></span></strong></span></span></strong></h3><h3 style="text-align:center;"><div></div></h3><h3><span><div></div></span></h3><h3></h3><h3><span style="font-size:26px;"><em><span><div></div></span></em></span></h3><h3><span style="font-size:26px;"><div></div></span></h3><h3><strong><span><strong><span><strong><span><strong><span><span><span><strong><span><strong><div></div></strong></span></strong></span></span></span></strong></span></strong></span></strong></span></strong></h3><h3></h3><h3><strong><span style="font-size:24px;"><strong><span><strong><div></div></strong></span></strong></span></strong></h3><h3><div></div></h3><h3><span><span><span><div></div></span></span></span></h3><h3><span><strong><span><strong><span><strong>Make sure you’re Payday Super ready</strong></span></strong></span></strong></span></h3><p></p></div>
</div><div data-element-id="elm_HROhC4pWhcttYXPUFmgEcg" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_HROhC4pWhcttYXPUFmgEcg"].zpelem-text { margin-block-start:9px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p><span><span></span></span></p><div><p></p><div><p></p><span><span></span></span><span></span><span><span></span></span><div><p></p><span></span><span><span><span><span><span><span><span><span><p></p><span><p></p><div><p></p><div><p></p><div><p></p><div><p></p><div><div></div>
<div><p></p><div><p></p><div><p></p><div><p></p><div><p></p><span><span><p></p><div><p></p><div><p><span><span></span></span></p><div><p></p><div><p></p><span><span><span><span><div><p></p><span><span><div><p></p><div><p></p><div><p></p><span><span><span><span><span><span><span><span><span><span><span>Need help picking an alternative to the Small Business Superannuation Clearing House, or looking for further advice about Payday Super? Get in touch with a member of our team – we’d be happy to walk you through your options, and put a plan in place to get your business ready ahead of 1 July.</span></span></span></span></span></span></span></span></span></span></span><p></p></div><p></p></div><p></p></div></span></span></div></span></span></span></span><p></p></div><p></p></div></div></div></span></span><p></p><p></p></div>
</div><p></p></div></div></div></div></div></div></div></div></span></span><p></p></span></span></span></span></span></span></span></div><p></p></div><p></p></div><p></p></div>
<p></p></div><div></div></span></span></div><p></p><p></p><p></p><p></p><p></p><p></p><p></p></div>
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</div></div></div></div></div></div> ]]></content:encoded><pubDate>Fri, 10 Apr 2026 13:42:39 +1000</pubDate></item><item><title><![CDATA[Keeping your cashflow strong in tough times]]></title><link>https://www.rbizz.com.au/blogs/post/keeping-your-cashflow-strong-in-tough-times1</link><description><![CDATA[<img align="left" hspace="5" src="https://www.rbizz.com.au/keeping-your-cashflow-strong-in-tough-times1.jpg"/>Weathering the storm? Small businesses are particularly vulnerable in tough economic times. We can help with strategies for healthy cash flow, so you can continue to thrive.]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_rLr27Q5WTT2JxXs4zzUz0A" data-element-type="section" class="zpsection "><style type="text/css"></style><div class="zpcontainer-fluid zpcontainer"><div data-element-id="elm_LcxFI6lSQSaYJNUM7lFJyQ" data-element-type="row" class="zprow zprow-container zpalign-items-flex-start zpjustify-content- " data-equal-column="false"><style type="text/css"></style><div data-element-id="elm_vsJMgL9DR329hnOEhe1Ojg" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"></style><div data-element-id="elm_qAozCBjvTfeJ6imtBIm2OA" data-element-type="heading" class="zpelement zpelem-heading "><style></style><h2
 class="zpheading zpheading-align-center zpheading-align-mobile-center zpheading-align-tablet-center " data-editor="true"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><br/><span style="font-weight:700;"><span><span><span><strong style="text-align:center;"><span><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><span><span style="font-weight:700;"><span><strong style="text-align:center;"><span><span><span><strong style="text-align:center;"><span><span><span style="font-weight:700;"><span><span><span><span><span><strong><span><span><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span><span><span><span><span><span><span><span><span style="font-weight:700;"><span><span><span><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;">Keeping your cashflow strong in tough times</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong><br/></span></span></span></span></span></span></span></span></strong></span></span></span></strong></span></span></span></span></span></span></span></span></span></span></strong></span></span></span></span></span></span></span></span></span></span></span></span></span></span></h2></div>
<div data-element-id="elm_2kKy5S8AbGT88R2wStMBAg" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_2kKy5S8AbGT88R2wStMBAg"].zpelem-divider{ margin-block-start:5px; } </style><style></style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_sygdFSB5z16GN9zuxquAtw" data-element-type="image" class="zpelement zpelem-image "><style> @media (min-width: 992px) { [data-element-id="elm_sygdFSB5z16GN9zuxquAtw"] .zpimage-container figure img { width: 1110px ; height: 555.00px ; } } </style><div data-caption-color="" data-size-tablet="" data-size-mobile="" data-align="center" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimage-container zpimage-align-center zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-fit zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit hb-lightbox " data-lightbox-options="
                type:fullscreen,
                theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/keeping-your-cashflow-strong-in-tough-times1%20-1-.jpg" size="fit" alt="small business cashflow protection" data-lightbox="true"/></picture></span></figure></div>
</div><div data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q"].zpelem-text { margin-block-start:36px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p><span><span></span></span></p><div><p></p><div><p></p><span><span></span></span><span></span><span><span></span></span><div><p></p><span></span><span><span><span><span><span><span><span><span><p></p><span><p></p><div><p></p><div><p></p><div><p></p><div><p></p><div><div></div>
<div><p></p><div><p></p><div><p><em></em></p><div><p><em></em></p><span><span><span><p></p><div><p></p><div><p></p><div><blockquote><p></p></blockquote><div><p></p></div><span><span><div><p></p><span></span></div></span></span><span><p></p><span><p><em></em></p><div><div></div>
<div><p></p><div><div style="line-height:2;"><p>Small businesses are particularly vulnerable in tough economic times.</p><p>When sales are slow, there are still overheads and salaries that need to be sorted. Pre-planning and being proactive can help you weather tighter economic periods and allow you to continue to thrive.</p><p>Make sure you have a clear picture of your payroll, and any other planned expenses that will need to be accounted for.</p><p>If there’s even a possibility that there could be a shortfall, it’s essential to meet this head-on. Whether this means talking to your supplier or creditors to figure out an arrangement, or compromising on other business outgoings, you must make a plan to ensure that the business, or your staff, won’t suffer.</p><p><br/></p><p></p><div><h3>Minimise the stress of cash-flow</h3></div><div><p><strong>Invoice early</strong>&nbsp;- Send any invoices that you can, and in advance if possible. Perhaps consider whether you have any regular clients or customers that you could offer a retainer or similar deal to if they book services or make a purchase from you in advance.</p><p><strong>Chase payment</strong>&nbsp;- Use this opportunity to chase up any outstanding payments. Strong communication and relationships matter - talk to clients and chase invoices.</p><p><strong>Talk to suppliers</strong>&nbsp;- A little honesty can go a long way. Perhaps they can extend a line of credit for your payments to them. In most cases, a good supplier would rather offer a little flexibility to keep an ongoing business relationship.</p><p><strong>Review Inventory</strong>&nbsp;- Can you find a cheaper supplier locally to avoid the shipping costs or discuss alternative products that allow you to reduce expenses?</p><p><strong>Review your costs</strong>&nbsp;- It’s also a good idea to do a general review of expenses. Business costs can creep up, and it’s a great idea to make a time to check on your expenses regularly, no matter what your financial situation. Review all of your regular payments and subscriptions as well as upcoming costs. There may be travel, functions or purchases which you can decide on an alternative approach to.</p><p><strong>Talk to the bank or tax department</strong>&nbsp;- If cashflow is tight, make sure you have conversations early so you have everything in place to see you through.</p><p><br/></p><p><em>We can help you implement strategies to protect your business for the long term and help you alleviate cashflow worries.</em></p></div><br/><p></p></div></div><p></p></div>
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</div></div></div></div></div></div> ]]></content:encoded><pubDate>Fri, 10 Apr 2026 02:21:09 +1000</pubDate></item><item><title><![CDATA[Counting Down to EOFY]]></title><link>https://www.rbizz.com.au/blogs/post/counting-down-to-eofy</link><description><![CDATA[<img align="left" hspace="5" src="https://www.rbizz.com.au/counting-down-to-eofy -1-.jpg"/>The end of the financial year is fast approaching on 30 June. To get the best tax outcome for your business, you should look at a few things now.]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_rLr27Q5WTT2JxXs4zzUz0A" data-element-type="section" class="zpsection "><style type="text/css"></style><div class="zpcontainer-fluid zpcontainer"><div data-element-id="elm_LcxFI6lSQSaYJNUM7lFJyQ" data-element-type="row" class="zprow zprow-container zpalign-items-flex-start zpjustify-content- " data-equal-column="false"><style type="text/css"></style><div data-element-id="elm_vsJMgL9DR329hnOEhe1Ojg" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"></style><div data-element-id="elm_qAozCBjvTfeJ6imtBIm2OA" data-element-type="heading" class="zpelement zpelem-heading "><style></style><h2
 class="zpheading zpheading-align-center zpheading-align-mobile-center zpheading-align-tablet-center " data-editor="true"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><br/><span style="font-weight:700;"><span><span><span><strong style="text-align:center;"><span><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><span><span style="font-weight:700;"><span><strong style="text-align:center;"><span><span><span><strong style="text-align:center;"><span><span><span style="font-weight:700;"><span><span><span><span><span><strong><span><span><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span><span><span><span><span><span><span><span><span style="font-weight:700;"><span><span><span><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;">Counting Down to EOFY</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong><br/></span></span></span></span></span></span></span></span></strong></span></span></span></strong></span></span></span></span></span></span></span></span></span></span></strong></span></span></span></span></span></span></span></span></span></span></span></span></span></span></h2></div>
<div data-element-id="elm_2kKy5S8AbGT88R2wStMBAg" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_2kKy5S8AbGT88R2wStMBAg"].zpelem-divider{ margin-block-start:5px; } </style><style></style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_sygdFSB5z16GN9zuxquAtw" data-element-type="image" class="zpelement zpelem-image "><style> @media (min-width: 992px) { [data-element-id="elm_sygdFSB5z16GN9zuxquAtw"] .zpimage-container figure img { width: 1110px ; height: 555.00px ; } } </style><div data-caption-color="" data-size-tablet="" data-size-mobile="" data-align="center" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimage-container zpimage-align-center zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-fit zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit hb-lightbox " data-lightbox-options="
                type:fullscreen,
                theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/counting-down-to-eofy.jpg" size="fit" alt="EOFY small business tax planning" data-lightbox="true"/></picture></span></figure></div>
</div><div data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q"].zpelem-text { margin-block-start:36px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p><span><span></span></span></p><div><p></p><div><p></p><span><span></span></span><span></span><span><span></span></span><div><p></p><span></span><span><span><span><span><span><span><span><span><p></p><span><p></p><div><p></p><div><p></p><div><p></p><div><p></p><div><div></div>
<div><p></p><div><p></p><div><p><em></em></p><div><p><em></em></p><span><span><span><p></p><div><p></p><div><p></p><div><blockquote><p></p></blockquote><div><p></p></div><span><span><div><p></p><span></span></div></span></span><span><p></p><span><p><em></em></p><div><div></div><div><p>The end of the financial year is fast approaching on 30 June. To get the best tax outcome for your business, you should look at a few things now:</p><p><br/></p><ul><li><strong>Instant Asset Write-Off</strong>: If you’re planning to purchase equipment, ensure it is &quot;first used or installed ready for use&quot; by 30 June to claim it this year.</li><li><strong>Super Contributions</strong>: Consider making personal super contributions before 30 June to reduce your taxable income.</li><li><strong>Stocktake</strong>: Plan your end-of-year stocktake for the close of business on 30 June.</li></ul><p><br/></p><p>Let’s book a quick chat to see which strategies will work best for you.</p></div><div></div></div><p></p></span><p></p></span></div><p></p></div><p></p></div><p></p></span></span></span><p></p></div>
<p></p></div><p></p></div><p></p></div><div></div></div><p></p></div><p></p></div>
<p></p></div><p></p></div><p></p></span><p></p></span></span></span></span></span></span></span></span></div>
</div></div><p></p></div></div></span></span></div></div></div><div data-element-id="elm_XalisdmOS8OGJIlChfW7eg" data-element-type="button" class="zpelement zpelem-button "><style></style><div class="zpbutton-container zpbutton-align-center zpbutton-align-mobile-center zpbutton-align-tablet-center"><style type="text/css"> [data-element-id="elm_XalisdmOS8OGJIlChfW7eg"] .zpbutton.zpbutton-type-primary{ background-color:#23165A !important; } </style><a class="zpbutton-wrapper zpbutton zpbutton-type-primary zpbutton-size-md zpbutton-style-none " href="/support" target="_blank" title="Contact Us"><span class="zpbutton-content">Contact Us</span></a></div>
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</div></div></div></div></div></div> ]]></content:encoded><pubDate>Fri, 10 Apr 2026 02:20:48 +1000</pubDate></item><item><title><![CDATA[Q3 Super & Easter/Anzac Hours]]></title><link>https://www.rbizz.com.au/blogs/post/q3-super-easter-anzac-hours</link><description><![CDATA[<img align="left" hspace="5" src="https://www.rbizz.com.au/q3-super-easter-anzac-hours.jpg"/>April is a busy month with several public holidays and tax deadlines. If you’re planning to be away over the school holidays, let’s get your numbers sorted early so you can enjoy your break without any compliance worries!]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_rLr27Q5WTT2JxXs4zzUz0A" data-element-type="section" class="zpsection "><style type="text/css"></style><div class="zpcontainer-fluid zpcontainer"><div data-element-id="elm_LcxFI6lSQSaYJNUM7lFJyQ" data-element-type="row" class="zprow zprow-container zpalign-items-flex-start zpjustify-content- " data-equal-column="false"><style type="text/css"></style><div data-element-id="elm_vsJMgL9DR329hnOEhe1Ojg" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"></style><div data-element-id="elm_qAozCBjvTfeJ6imtBIm2OA" data-element-type="heading" class="zpelement zpelem-heading "><style></style><h2
 class="zpheading zpheading-align-center zpheading-align-mobile-center zpheading-align-tablet-center " data-editor="true"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><br/><span style="font-weight:700;"><span><span><span><strong style="text-align:center;"><span><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><span><span style="font-weight:700;"><span><strong style="text-align:center;"><span><span><span><strong style="text-align:center;"><span><span><span style="font-weight:700;"><span><span><span><span><span><strong><span><span><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span><span><span><span><span><span><span><span><span style="font-weight:700;"><span><span><span><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span style="font-weight:700;">Q3 Super &amp; Easter/Anzac Hours</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong><br/></span></span></span></span></span></span></span></span></strong></span></span></span></strong></span></span></span></span></span></span></span></span></span></span></strong></span></span></span></span></span></span></span></span></span></span></span></span></span></span></h2></div>
<div data-element-id="elm_2kKy5S8AbGT88R2wStMBAg" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_2kKy5S8AbGT88R2wStMBAg"].zpelem-divider{ margin-block-start:5px; } </style><style></style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_sygdFSB5z16GN9zuxquAtw" data-element-type="image" class="zpelement zpelem-image "><style> @media (min-width: 992px) { [data-element-id="elm_sygdFSB5z16GN9zuxquAtw"] .zpimage-container figure img { width: 1110px ; height: 555.00px ; } } </style><div data-caption-color="" data-size-tablet="" data-size-mobile="" data-align="center" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimage-container zpimage-align-center zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-fit zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit hb-lightbox " data-lightbox-options="
                type:fullscreen,
                theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/q3-super-easter-anzac-hours%20-1-.jpg" size="fit" alt="April tax deadlines and office hours" data-lightbox="true"/></picture></span></figure></div>
</div><div data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_2pgBBvKAH-hDTZRJqQSb3Q"].zpelem-text { margin-block-start:36px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p><span><span></span></span></p><div><p></p><div><p></p><span><span></span></span><span></span><span><span></span></span><div><p></p><span></span><span><span><span><span><span><span><span><span><p></p><span><p></p><div><p></p><div><p></p><div><p></p><div><p></p><div><div></div>
<div><p></p><div><p></p><div><p><em></em></p><div><p><em></em></p><span><span><span><p></p><div><p></p><div><p></p><div><blockquote><p></p></blockquote><div><p></p></div><span><span><div><p></p><span></span></div></span></span><span><p></p><span><p><em></em></p><div><div>April is a busy month with several public holidays and tax deadlines.</div><br/><div>Office Hours: Our office will be closed for the Easter break (3–6 April) and Anzac Day (27 April observation).</div><br/><div>Superannuation: Q3 Super payments are due by 28 April. Because of the holiday clusters, we strongly suggest processing these by 20 April to ensure they clear in time.</div><br/><div>Quarterly BAS: Your March quarter BAS is also due on 28 April.</div><br/><div>If you’re planning to be away over the school holidays, let’s get your numbers sorted early so you can enjoy your break without any compliance worries!</div></div><p></p></span><p></p></span></div><p></p></div><p></p></div><p></p></span></span></span><p></p></div>
<p></p></div><p></p></div><p></p></div><div></div></div><p></p></div><p></p></div>
<p></p></div><p></p></div><p></p></span><p></p></span></span></span></span></span></span></span></span></div>
</div></div><p></p></div></div></span></span></div></div></div><div data-element-id="elm_XalisdmOS8OGJIlChfW7eg" data-element-type="button" class="zpelement zpelem-button "><style></style><div class="zpbutton-container zpbutton-align-center zpbutton-align-mobile-center zpbutton-align-tablet-center"><style type="text/css"> [data-element-id="elm_XalisdmOS8OGJIlChfW7eg"] .zpbutton.zpbutton-type-primary{ background-color:#23165A !important; } </style><a class="zpbutton-wrapper zpbutton zpbutton-type-primary zpbutton-size-md zpbutton-style-none " href="/support" target="_blank" title="Contact Us"><span class="zpbutton-content">Contact Us</span></a></div>
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</div></div></div></div></div></div> ]]></content:encoded><pubDate>Tue, 31 Mar 2026 15:30:24 +1100</pubDate></item><item><title><![CDATA[Could Junior Pay Rates Be Abolished?]]></title><link>https://www.rbizz.com.au/blogs/post/could-junior-pay-rates-be-abolished</link><description><![CDATA[<img align="left" hspace="5" src="https://www.rbizz.com.au/could-junior-pay-rates-be-abolished -1-.jpg"/>The SDA is pushing for the abolition of junior rates for younger workers. We’ve outlined the details of the campaign and the potential impact on your wage costs.]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_rLr27Q5WTT2JxXs4zzUz0A" data-element-type="section" class="zpsection "><style type="text/css"></style><div class="zpcontainer-fluid zpcontainer"><div data-element-id="elm_LcxFI6lSQSaYJNUM7lFJyQ" data-element-type="row" class="zprow zprow-container zpalign-items-flex-start zpjustify-content- " data-equal-column="false"><style type="text/css"></style><div data-element-id="elm_vsJMgL9DR329hnOEhe1Ojg" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"></style><div data-element-id="elm_qAozCBjvTfeJ6imtBIm2OA" data-element-type="heading" class="zpelement zpelem-heading "><style></style><h2
 class="zpheading zpheading-align-center zpheading-align-mobile-center zpheading-align-tablet-center " data-editor="true"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><br/><span style="font-weight:700;"><span><span><span><strong style="text-align:center;"><span><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><span><span style="font-weight:700;"><span><strong style="text-align:center;"><span><span><span><strong style="text-align:center;"><span><span><span style="font-weight:700;"><span>Could Junior Pay Rates Be Abolished?</span></span></span></span></strong></span></span></span></strong></span></span></span></span></span></span></span></span></span></span></strong></span></span></span></span></span></span></span></span></span></span></span></span></span></span></h2></div>
<div data-element-id="elm_2kKy5S8AbGT88R2wStMBAg" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_2kKy5S8AbGT88R2wStMBAg"].zpelem-divider{ margin-block-start:5px; } </style><style></style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_sygdFSB5z16GN9zuxquAtw" data-element-type="image" class="zpelement zpelem-image "><style> @media (min-width: 992px) { [data-element-id="elm_sygdFSB5z16GN9zuxquAtw"] .zpimage-container figure img { width: 1110px ; height: 433.59px ; } } </style><div data-caption-color="" data-size-tablet="" data-size-mobile="" data-align="center" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimage-container zpimage-align-center zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-fit zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit hb-lightbox " data-lightbox-options="
                type:fullscreen,
                theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/could-junior-pay-rates-be-abolished.jpg" size="fit" alt="junior wage rates debate" data-lightbox="true"/></picture></span></figure></div>
</div><div data-element-id="elm_TSWJrO6CoxRYHF4Bd8gMNg" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p></p><div><p></p><div><p></p><span><span><p></p><div><p></p><div><p></p></div>
<div><p></p><div><p></p><span><span></span></span></div></div><div><p></p><div><p></p></div>
</div><div><p></p><span><em>“It's about ensuring that anyone who's 18 years or older gets paid the adult rate of pay. They can drink, they can drive, they can vote — we as a community treat them as adults on every level, except when they walk in the door to work.”</em></span><p></p></div>
<ul></ul></div><p></p></span></span><p></p></div><p></p></div><p></p></div><p></p></div></span></span></div>
</div></div><div data-element-id="elm_LSTIoGhpdjYPJKKDBPG7eg" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p></p><div><p></p><div><p></p><span><span><p></p><div><p></p><div><p></p></div>
<div><p></p><div><p></p><span><span></span></span></div></div><div><p></p><div><p></p></div>
</div><div><p></p><div><p><strong></strong></p><div><p>Gerard Dwyer, National secretary for the SDA</p><p><br/></p><p>The Shop, Distributive and Allied Employees' Association (SDA or ‘Shoppies’) most recent campaign focuses on the right for young Australian workers to be paid the same as their older colleagues.</p><p>Under the current wage rules for junior rates, workers under 21 years of age only get paid a percentage of the rate earned by older workers.</p><p><br/></p><ul><li>Workers under 20 are paid 90% of the adult award rate.</li><li>Workers who are 19 are paid 80% of the award rate.</li><li>Workers who are 18 get just 70% of the full award rates in retail, fast food and pharmacies.</li></ul><p><br/></p><p>There’s a growing weight of opinion from younger workers and their unions that people should earn the same wage, regardless of their age.</p><p>The Fair Work Commission held a hearing on the future of junior rates, but, at present, no decision has been handed down.</p></div><p></p></div>
<p></p></div><ul></ul></div><p></p></span></span><p></p></div><p></p></div><p></p></div>
<p></p></div></span></span></div></div></div><div data-element-id="elm_RYaw5_iUE2NMKTNbjIXMfg" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_RYaw5_iUE2NMKTNbjIXMfg"].zpelem-text { margin-block-start:31px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><div><h3 style="text-align:center;"></h3><h3 style="text-align:center;"><div></div></h3><h3></h3></div>
<h3 style="text-align:center;"><span><span><div></div></span></span></h3><h3 style="text-align:center;"><span><span></span></span></h3><h3></h3><h3><strong><span style="font-size:24px;"><span><strong><span><strong><span><strong><div></div></strong></span></strong></span></strong></span></span></strong></h3><h3 style="text-align:center;"><div></div></h3><h3><span><div></div></span></h3><h3></h3><h3><strong><span style="font-size:26px;"><span><strong>How could a change to junior rates affect your business?</strong></span></span></strong></h3><p></p></div>
</div><div data-element-id="elm_InGByOWWH9LlQLHeLyUuiA" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_InGByOWWH9LlQLHeLyUuiA"].zpelem-text { margin-block-start:9px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p></p><div><p></p><div><p><span><span></span></span></p><div><p></p><div><p></p><span><span></span></span><span></span><span><span></span></span><div><p></p><span></span><span><span><span><span><span><span><span><span><div><p></p><span><div><p></p><div><p>If you employ a large number of younger workers under the age of 21, the abolishment of junior rates could have a significant impact on your payroll.</p><p>With the junior rates removed, all workers, regardless of their age, would be paid at the same standard rate. This would increase your payroll costs and impact your cashflow.</p></div><p></p></div></span><p></p></div></span></span></span></span></span></span></span></span></div>
</div></div><p></p></div></div></div></div></span></span><p></p></div><p></p><p></p><p></p></div>
</div><div data-element-id="elm_Uid7CORGrIFJYjFWSA8fpA" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_Uid7CORGrIFJYjFWSA8fpA"].zpelem-text { margin-block-start:31px; } </style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><div><h3 style="text-align:center;"></h3><h3 style="text-align:center;"><div></div></h3><h3></h3></div>
<h3 style="text-align:center;"><span><span><div></div></span></span></h3><h3 style="text-align:center;"><span><span></span></span></h3><h3></h3><h3><strong><span style="font-size:24px;"><span><strong><span><strong><span><strong><div></div></strong></span></strong></span></strong></span></span></strong></h3><h3 style="text-align:center;"><div></div></h3><h3><span><div></div></span></h3><h3></h3><h3><span style="font-size:26px;"><em>Talk to us about the impact of a change to junior wage rates</em></span></h3><p></p></div>
</div><div data-element-id="elm_4tAXJarOcKf8X3EBST1Dmw" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><div style="line-height:2;"><span><span><div style="line-height:2;"><p></p><div><p></p><div><p></p><div><p></p><span><span><p></p><div><p></p><div><p></p></div>
<div><p></p><div><p></p><span><span></span></span></div></div><div><p></p><div><p></p></div>
</div><div><p></p><span><span></span></span></div><div><p>If you’re worried about the potential impact of the removal of junior rates, and the subsequent increase in wage costs, book some time for a chat with our team.</p><p>We can run scenarios to outline the potential costs and the overall impact on your cashflow.</p></div><ul></ul></div>
<p></p></span></span><p></p></div><p></p></div><p></p></div><p></p></div></span></span></div>
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</div></div></div></div></div></div> ]]></content:encoded><pubDate>Mon, 09 Mar 2026 10:42:20 +1100</pubDate></item><item><title><![CDATA[The Right to Work From Home: What It Means for You]]></title><link>https://www.rbizz.com.au/blogs/post/the-right-to-work-from-home-what-it-means-for-you</link><description><![CDATA[<img align="left" hspace="5" src="https://www.rbizz.com.au/the-right-to-work-from-home-what-it-means-for-you.jpg"/>Proposed legislation from the Victorian Labor Government could offer your employees the right to work from home 2 days per week. We’ve outlined how to make the most of WFH.]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_KE7qoqccQ3-lSbw-nmXEXA" data-element-type="section" class="zpsection "><style type="text/css"> [data-element-id="elm_KE7qoqccQ3-lSbw-nmXEXA"].zpsection{ padding-block-end:98px; } </style><div class="zpcontainer-fluid zpcontainer"><div data-element-id="elm_9srt1xSeSjm9c5xJ8I2ouA" data-element-type="row" class="zprow zprow-container zpalign-items- zpjustify-content- " data-equal-column=""><style type="text/css"></style><div data-element-id="elm_wKfP7xmvTVWVIdojNPjBVw" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"> [data-element-id="elm_wKfP7xmvTVWVIdojNPjBVw"].zpelem-col{ background-color:#FFFFFF; background-image:unset; } </style><div data-element-id="elm_B07EJ9mGSlWlNQnATcZSIg" data-element-type="heading" class="zpelement zpelem-heading "><style> [data-element-id="elm_B07EJ9mGSlWlNQnATcZSIg"].zpelem-heading { background-color:#A1C4E8; background-image:unset; } </style><h1
 class="zpheading zpheading-align-center zpheading-align-mobile-center zpheading-align-tablet-center " data-editor="true"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span><strong style="text-align:center;"><span><strong style="text-align:center;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span>The Right to Work From Home: What It Means for You</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong></span></strong></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br/></span></span></span></span></span></h1></div>
<div data-element-id="elm_phVHVGGxUqqyq1pHXfe_IA" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_phVHVGGxUqqyq1pHXfe_IA"].zpelem-divider{ margin-block-start:-18px; } </style><style> [data-element-id="elm_phVHVGGxUqqyq1pHXfe_IA"] .zpdivider-container .zpdivider-common:after, [data-element-id="elm_phVHVGGxUqqyq1pHXfe_IA"] .zpdivider-container .zpdivider-common:before{ border-color:#2D0B0B } </style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_xbMibK6qxOIliCvJFGWGtQ" data-element-type="image" class="zpelement zpelem-image "><style> @media (min-width: 992px) { [data-element-id="elm_xbMibK6qxOIliCvJFGWGtQ"] .zpimage-container figure img { width: 1110px ; height: 433.59px ; } } [data-element-id="elm_xbMibK6qxOIliCvJFGWGtQ"] .zpimage-container[class*='zpimage-overlay-effect-'] figure:hover figcaption , [data-element-id="elm_xbMibK6qxOIliCvJFGWGtQ"] .zpimage-container[class*='zpimage-overlay-effect-'] figure figcaption { background:rgba(255,0,0,0) ; } [data-element-id="elm_xbMibK6qxOIliCvJFGWGtQ"] .zpimage-container figure figcaption .zpimage-caption-content { color:rgba(255,0,0,0) ; } </style><div data-caption-color="" data-size-tablet="" data-size-mobile="" data-align="center" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimage-container zpimage-align-center zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-fit zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit zpimage-overlay zpimage-overlay-effect-static-bottom hb-lightbox " data-lightbox-options="
                type:fullscreen,
                theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/the-right-to-work-from-home-what-it-means-for-you%20-1-.jpg" size="fit" alt="WFH rights and hybrid work law changes" data-lightbox="true"/></picture></span><figcaption class="zpimage-caption zpimage-caption-align-center"><span class="zpimage-caption-content">Practical steps for workplace wellbeing</span></figcaption></figure></div>
</div><div data-element-id="elm_SFvjE0ryfxjDtB_sZ9b0og" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_SFvjE0ryfxjDtB_sZ9b0og"].zpelem-divider{ margin-block-start:-25px; } </style><style> [data-element-id="elm_SFvjE0ryfxjDtB_sZ9b0og"] .zpdivider-container .zpdivider-common:after, [data-element-id="elm_SFvjE0ryfxjDtB_sZ9b0og"] .zpdivider-container .zpdivider-common:before{ border-color:#2D0B0B } </style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_r7y-bHsKb7McOIqOoHB36A" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p></p><div><div style="text-align:justify;"></div>
<div><p style="text-align:justify;"></p><div><p></p><div><p></p><div><p>Having the option to work from home (WFH), without the commute and the cost, has proved to be a very popular benefit for many time-strapped employees.</p><p><br/></p><p>But until now, this ability to do your job from home has never been enshrined in law. This may be about to change, with Jacinta Allan’s Labor government proposing new legislation that would give employees the right to work from home two days per week.</p><p><br/></p><p>This is great news for the flexible working arrangements of many hard-working Victorian workers. But what would this legislation mean for your business?</p></div><p></p></div><p></p></div><p style="text-align:justify;"></p></div>
<div style="text-align:justify;"></div></div><p></p></div></div><div data-element-id="elm_Oxm5-iE-F02Ima1nqNDKnQ" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"></style><style> [data-element-id="elm_Oxm5-iE-F02Ima1nqNDKnQ"] .zpdivider-container .zpdivider-common:after, [data-element-id="elm_Oxm5-iE-F02Ima1nqNDKnQ"] .zpdivider-container .zpdivider-common:before{ border-color:#2D0B0B } </style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_fKmoYdduso4AyE9LYAVaeQ" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"> [data-element-id="elm_fKmoYdduso4AyE9LYAVaeQ"].zpelem-divider{ margin-block-start:-40px; } </style><style> [data-element-id="elm_fKmoYdduso4AyE9LYAVaeQ"] .zpdivider-container .zpdivider-common:after, [data-element-id="elm_fKmoYdduso4AyE9LYAVaeQ"] .zpdivider-container .zpdivider-common:before{ border-color:#2D0B0B } </style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_AXSfk_JIFbSX3IO37hvGMQ" data-element-type="text" class="zpelement zpelem-text "><style></style><div class="zptext zptext-align-left zptext-align-mobile-left zptext-align-tablet-left " data-editor="true"><p><strong style="color:rgb(52, 34, 135);"><span style="font-size:18px;">What does the proposed legislation suggest?</span></strong></p><p></p><div><p><strong><br/></strong></p><p>Under the legislation proposed by the Victorian State Government, the right to work from home would be made a legal right, available to employees that can work from home.</p><p><br/></p><p><strong style="color:rgb(52, 34, 135);"><span style="font-size:18px;">The Government proposes that:</span></strong></p><ol><li>All employees have the right to work from home at least two days per week</li><li>Employees would have this right if they can ‘reasonably do your job from home’</li><li>It would apply to both public sector and private sector workers.</li></ol><p><strong><br/></strong></p><p><strong style="color:rgb(52, 34, 135);"><span style="font-size:18px;">What are the advantages of working from home?</span></strong></p><p><strong><br/></strong></p><p>The Allan Government believes there are plenty of advantages to encouraging the move to hybrid working, where workers work both from the workplace and their own home.</p><p><br/></p><p>The Government’s recent media release states that:</p><ol><li>WFH is a more flexible way to work. More than a third of Australian workers – including 60% of professionals – regularly work from home.</li><li>WFH saves families money. It saves Australians on average $110 a week or $5,308 every year, helping families make their dollars go further.</li><li>WFH cuts congestion. Victorians are now spending less time commuting, saving more than three hours in their week on average.</li><li>WFH gets more people working. Work from home supports women with children, carers and people with a disability to work.</li><li>WFH is good for business. Those who work from home work nearly 20% more hours than those who are working in the office full time.</li></ol><p><strong><br/></strong></p><p><strong style="color:rgb(52, 34, 135);"><span style="font-size:18px;">Is WFH good or bad for your business?</span></strong></p><p><strong><br/></strong></p><p>Once the COVID pandemic was over, many businesses mandated a ‘return to work’ policy that was at odds with their employees’ desire to continue with hybrid working.</p><p><br/></p><p>The worry among less enlightened business leaders was that your workforce needed to be in the office or place of work 5 days a week – and that this was the only practical way to manage a team and keep employees productive.</p><p><br/></p><p>However, most research has shown that employees are happier, more motivated and more productive when allowed at least some time working from home.</p><p><br/></p><p>80% of survey respondents in a recent survey by the Australian HR Institute expect that hybrid working levels will increase or stay the same in the coming two years.</p><p><br/></p><p>Increasingly, employees feel that a hybrid mix of working from the office and from home is a standard expectation of their role – and one of their hard-won, work-related benefits. So, what can you do to get the best from hybrid working and WFH?</p><p><strong><br/></strong></p><p><strong style="color:rgb(52, 34, 135);"><span style="font-size:18px;">Here are five key ways to achieve WFH productivity:</span></strong></p><ol><li>Build a culture of trust and autonomy: Empower your employees by making it clear that you trust them to manage their own time and workload from home. Don’t micro manage your team. Instead, show respect that will boost their motivation and get good results.</li><li>Invest in the right technology and tools: Your team will need access to communication and collaboration tools like video conferencing, and messaging platforms like Teams and Slack. They’ll also need project management software to keep workflow organised and efficient.</li><li>Maintain strong, regular communication: Use scheduled check-ins and team-wide video calls to keep everyone aligned and engaged. This stops solo team members feeling isolated and helps to build and reinforce that feeling of being part of a wider team.</li><li>Promote a good work-life balance: Encourage all your employees to set boundaries between their work and home life. Respect their non-working hours and make sure everyone has time to rest and recharge, to prevent burnout and poor wellbeing issues.</li><li>Focus on outputs, not hours: Make sure you judge your employee’s performance on the quality and completion of their work, not on how many hours they’re visibly online. This really helps to reinforce trust and incentivise the whole team to be as productive as possible.</li></ol><p><br/></p><p>Whether you’re a fan or an opponent of hybrid working and WFH, the reality is that most employees will expect some kind of flexible working from their employer.</p><p><br/></p><p>Book some time with our team to talk through more strategies for making WFH both a positive and a productive change for your business.</p></div></div>
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</div></div></div></div></div></div> ]]></content:encoded><pubDate>Wed, 27 Aug 2025 15:45:32 +1000</pubDate></item><item><title><![CDATA[Interest rates come down: how could this affect your business finances?]]></title><link>https://www.rbizz.com.au/blogs/post/interest-rates-come-down-how-could-this-affect-your-business-finances</link><description><![CDATA[<img align="left" hspace="5" src="https://www.rbizz.com.au/interest-rates-come-down-how-could-this-affect-your-business-finances.png"/>The Reserve Bank of Australia has lowered interest rates. What does a drop in interest rates mean for you, your business and your financial opportunities?]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_KE7qoqccQ3-lSbw-nmXEXA" data-element-type="section" class="zpsection "><style type="text/css"> [data-element-id="elm_KE7qoqccQ3-lSbw-nmXEXA"].zpsection{ padding-block-end:98px; } </style><div class="zpcontainer-fluid zpcontainer"><div data-element-id="elm_9srt1xSeSjm9c5xJ8I2ouA" data-element-type="row" class="zprow zprow-container zpalign-items- zpjustify-content- " data-equal-column=""><style type="text/css"></style><div data-element-id="elm_wKfP7xmvTVWVIdojNPjBVw" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"> [data-element-id="elm_wKfP7xmvTVWVIdojNPjBVw"].zpelem-col{ background-color:#FFFFFF; background-image:unset; } </style><div data-element-id="elm_B07EJ9mGSlWlNQnATcZSIg" data-element-type="heading" class="zpelement zpelem-heading "><style> [data-element-id="elm_B07EJ9mGSlWlNQnATcZSIg"].zpelem-heading { background-color:#A1C4E8; background-image:unset; } </style><h1
 class="zpheading zpheading-align-center zpheading-align-mobile-center zpheading-align-tablet-center " data-editor="true"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span><span style="font-weight:700;"><span><span><strong style="text-align:center;"><span><strong style="text-align:center;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;">Interest rates come down: how could this affect your business finances?</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong></span></strong></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span><br/></span></span></span></span></span></h1></div>
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                theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/interest-rates-come-down-how-could-this-affect-your-business-finances%20-1-.png" size="fit" alt="How lower interest rates affect small business" data-lightbox="true"/></picture></span><figcaption class="zpimage-caption zpimage-caption-align-center"><span class="zpimage-caption-content">Practical steps for workplace wellbeing</span></figcaption></figure></div>
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<div><p style="text-align:justify;"></p><div><p></p><div><p>The Reserve Bank of Australia recently cut interest rates to 3.6%, down from 4.1%. This takes the cash rate to 3.6% for the first time since April 2023.</p><p>The final impact of this drop can be both positive and negative for your small business, so it’s worth understanding the effect that interest rate changes can have.</p></div><p></p></div><p style="text-align:justify;"></p></div>
<div style="text-align:justify;"></div></div><p></p></div></div><div data-element-id="elm_Oxm5-iE-F02Ima1nqNDKnQ" data-element-type="divider" class="zpelement zpelem-divider "><style type="text/css"></style><style> [data-element-id="elm_Oxm5-iE-F02Ima1nqNDKnQ"] .zpdivider-container .zpdivider-common:after, [data-element-id="elm_Oxm5-iE-F02Ima1nqNDKnQ"] .zpdivider-container .zpdivider-common:before{ border-color:#2D0B0B } </style><div class="zpdivider-container zpdivider-line zpdivider-align-center zpdivider-align-mobile-center zpdivider-align-tablet-center zpdivider-width100 zpdivider-line-style-solid "><div class="zpdivider-common"></div>
</div></div><div data-element-id="elm_p8CQkoIC3iUpLoH1PLi0FA" data-element-type="text" class="zpelement zpelem-text "><style> [data-element-id="elm_p8CQkoIC3iUpLoH1PLi0FA"].zpelem-text { margin-block-start:11px; } </style><div class="zptext zptext-align-justify zptext-align-mobile-justify zptext-align-tablet-justify " data-editor="true"><div><p></p><div><h3>Let’s take a look at how a drop in interest rates may affect your finances</h3><div><br/></div><p><strong style="color:rgb(70, 45, 180);"><span style="font-size:18px;">Reduced cost of borrowing</span></strong></p><p><strong><br/></strong></p><p><em><strong>Lower interest rates on loans:</strong></em><strong>&nbsp;</strong>This directly translates to lower interest payments on your existing loans and potentially more favourable interest rates on any new loans you take out.</p><p><br/></p><p><em style="font-weight:bold;">Increased access to credit:</em>&nbsp;With lower borrowing costs, you may find it easier to secure financing for expansion, investment in new equipment, or to overcome and present challenges.</p><p><br/></p><p><strong><span style="font-size:18px;color:rgb(70, 45, 180);">Improved cashflow</span></strong></p><p><strong><br/></strong></p><p><em><strong>Reduced debt service:</strong></em><strong>&nbsp;</strong>Having lower interest payments frees up cashflow. This can be used to reinvest in the business, used for marketing, or distributed to shareholders.</p><p><br/></p><p><span style="color:rgb(17, 11, 45);"><em><strong>Increased consumer spending:</strong></em>&nbsp;</span>Lower interest rates help to stimulate consumer spending. This can mean increased demand for goods and services, higher sales and boosted revenues.</p><p><br/></p><p><strong style="color:rgb(70, 45, 180);"><span style="font-size:18px;">Better opportunities for investment</span></strong></p><p><strong><br/></strong></p><p><em><strong>Lower cost of capital:</strong></em>&nbsp;With cheaper borrowing costs, you can invest in growth, including research and development, technology upgrades or hiring new staff.</p><p><br/></p><p><span style="font-weight:bold;"><em>Increased confidence:</em>&nbsp;</span>Lower interest rates can boost investor confidence. This makes it easier for you to find investors and raise capital through equity financing.</p><p><br/></p><p><strong><span style="font-size:18px;color:rgb(70, 45, 180);">Economic growth</span></strong></p><p><strong><br/></strong></p><p><em><strong>Stimulate the economy:</strong></em><strong>&nbsp;</strong>Lower interest rates can boost economic growth by encouraging borrowing, investment and consumer spending. This creates a more favourable environment for your businesses to thrive in. A stronger economy = a more stable future.</p><p><br/></p><h3>Get the funding to secure your business future</h3><p>Investing in the future of your business is a vital step. With interest rates currently lower, now’s the time to think about borrowing and putting your 2025 strategy into action.</p><p><br/></p><p>Talk to our team about your growth plans and how these interest rate changes may impact your business. We’re here to help you reinvest, grow and keep on evolving.</p></div><p><br/></p><div><h3></h3></div></div><div><div></div></div><p></p><p></p><span><span></span></span></div>
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</div></div></div></div></div></div> ]]></content:encoded><pubDate>Wed, 27 Aug 2025 15:45:12 +1000</pubDate></item><item><title><![CDATA[Foreign resident CGT integrity changes - start date deferred]]></title><link>https://www.rbizz.com.au/blogs/post/foreign-resident-cgt-integrity-changes-start-date-deferred</link><description><![CDATA[<img align="left" hspace="5" src="https://www.rbizz.com.au/foreign-resident-cgt-integrity-changes-start-date-deferred.png"/>Announced in the 2024 Federal Budget as an integrity measure, are changes to the foreign resident CGT regime that will ensure foreign residents pay their fair share of tax.]]></description><content:encoded><![CDATA[<div class="zpcontent-container blogpost-container "><div data-element-id="elm_rLr27Q5WTT2JxXs4zzUz0A" data-element-type="section" class="zpsection "><style type="text/css"></style><div class="zpcontainer-fluid zpcontainer"><div data-element-id="elm_LcxFI6lSQSaYJNUM7lFJyQ" data-element-type="row" class="zprow zprow-container zpalign-items-flex-start zpjustify-content- " data-equal-column="false"><style type="text/css"></style><div data-element-id="elm_vsJMgL9DR329hnOEhe1Ojg" data-element-type="column" class="zpelem-col zpcol-12 zpcol-md-12 zpcol-sm-12 zpalign-self- "><style type="text/css"></style><div data-element-id="elm_qAozCBjvTfeJ6imtBIm2OA" data-element-type="heading" class="zpelement zpelem-heading "><style></style><h2
 class="zpheading zpheading-align-center zpheading-align-mobile-center zpheading-align-tablet-center " data-editor="true"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;"><span><span style="font-weight:700;">Foreign resident CGT integrity changes - start date deferred</span></span></span></span></span></span></span></span></span></span></span></span></h2></div>
<div data-element-id="elm_wtkRUKwvTXareRIdzGjybg" data-element-type="image" class="zpelement zpelem-image "><style> @media (min-width: 992px) { [data-element-id="elm_wtkRUKwvTXareRIdzGjybg"] .zpimage-container figure img { width: 1110px ; height: 624.38px ; } } [data-element-id="elm_wtkRUKwvTXareRIdzGjybg"].zpelem-image { margin-block-start:-7px; } </style><div data-caption-color="" data-size-tablet="" data-size-mobile="" data-align="center" data-tablet-image-separate="false" data-mobile-image-separate="false" class="zpimage-container zpimage-align-center zpimage-tablet-align-center zpimage-mobile-align-center zpimage-size-fit zpimage-tablet-fallback-fit zpimage-mobile-fallback-fit hb-lightbox " data-lightbox-options="
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                theme:dark"><figure role="none" class="zpimage-data-ref"><span class="zpimage-anchor" role="link" tabindex="0" aria-label="Open Lightbox" style="cursor:pointer;"><picture><img class="zpimage zpimage-style-none zpimage-space-none " src="/foreign-resident-cgt-integrity-changes-start-date-deferred%20-1-.png" size="fit" data-lightbox="true"/></picture></span></figure></div>
</div><div data-element-id="elm_2GxPPeamT6udkf4ww0_5oA" data-element-type="text" class="zpelement zpelem-text "><style> @media (max-width: 767px) { [data-element-id="elm_2GxPPeamT6udkf4ww0_5oA"].zpelem-text { margin-block-start:-7px; } } @media all and (min-width: 768px) and (max-width:991px){ [data-element-id="elm_2GxPPeamT6udkf4ww0_5oA"].zpelem-text { margin-block-start:-3px; } } </style><div class="zptext zptext-align-center zptext-align-mobile-center zptext-align-tablet-center " data-editor="true"><div><p><span></span></p><p style="text-align:left;"></p><span><span><p style="text-align:left;"></p><span><span><p style="text-align:left;"></p><div><div style="text-align:left;"><div><div>As announced in the 2025 Federal Budget, the start date of the 2024 Budget measure to strengthen the foreign resident CGT regime will be deferred from 1 July 2025 to the later of 1 October 2025 or the first day of the quarter that starts after the amending legislation receives royal assent.&nbsp;</div><div><br/></div><div>Treasury is currently consulting on reforms to strengthen the foreign resident CGT regime to ensure foreign residents pay their fair share of tax.</div><div><br/></div><div>These reforms aim to provide certainty to foreign investors by aligning Australian tax law closely with the OECD standards and international best practice.</div><div><br/></div><div><div><strong>T<span style="font-size:18px;">ypes of assets</span></strong></div></div><div><br/></div><div>A foreign resident’s liability for CGT is based whether the relevant asset is taxable Australian property (TAP). As per s 855-15 the following assets are a TAP:</div><div><br/></div><div><ul><li>Taxable Australian real property</li><li>an indirect interest in Australian real property</li><li>a business asset of a permanent establishment in Australia</li><li>an option or right to acquire any of the CGT assets listed above</li><li>a CGT asset that is deemed to be Australian taxable property where a taxpayer on ceasing to be an Australian resident, makes an election under s 104-165.</li></ul></div><br/><div>The proposed measure will look to clarify and broaden the types of assets that the foreign residents are subject to, details of which should be released in the near future.</div><div><br/></div><div><div><strong><span style="font-size:18px;">Principal asset test</span></strong></div></div><div><br/></div><div>The principal asset test determines whether the membership interest of a foreign resident in another entity (the test entity) is above 50% of the value of the test entity’s total assets attributable to Australian real property at the point-in-time when the CGT event occurs. Under the announced measures, this test will be changed to a 365-day testing period.</div><div><br/></div><div><div><strong><span style="font-size:18px;">ATO to be notified of high value transactions</span></strong></div></div><br/><div>As per the Federal Budget announcement, foreign residents will be required to notify the ATO each time they dispose of shares and other membership interests exceeding $20 million in value, prior to the transaction being executed.</div><div><br/></div><div><div><strong><span style="font-size:18px;">Foreign resident CGT withholding</span></strong></div></div><div><br/></div><div>A 12.5% non-final withholding tax obligation applies to the purchaser of certain Australian real property and related interests where the property is acquired from a foreign resident vendor. The CGT withholding is calculated on the first element of the cost base of the CGT asset, payable to the Commissioner at the time of acquisition (settlement).</div><div><br/></div><div>Also announced in the Federal Budget, is a new ATO notification process which will oversee transactions that should be liable to the CGT withholding tax where a vendor self-assesses their sale as non-taxable real property. This will improve oversight and compliance with the foreign resident CGT withholding rules.</div><div><br/></div><div><div><strong><span style="font-size:18px;">Next steps</span></strong></div></div><div><br/></div><div>The ATO will be scrutinising foreign residents who become liable to pay CGT as the information related to CGT events falling within the expanded definitions and stringent tests filters through to the ATO under various data matching and monitoring programs.</div><div><br/></div><div>Please free to contact our office should you have any queries in relation to these announcements.</div></div></div>
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</div></div></div></div></div></div> ]]></content:encoded><pubDate>Wed, 02 Jul 2025 14:19:50 +1000</pubDate></item></channel></rss>