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For those of you who are unaware, the government has introduced changes to the private health insurance rebate and the Medicare levy surcharge. From 1 July 2012, the private health insurance rebate and the Medicare levy surcharge will become tested against three new income tier thresholds.

EVERY business likes to be liked, but does it count if you’re buying your own fan base?

Over the last 2 years more than 350 businesses have attended our business improvement workshops.

Google “Ansoff’s Matrix” and you will find references to a study undertaken in Harvard in 1957, that was subsequently presented to marketing managers all over the world and has become a cornerstone principle of business growth.

Benchmarking is often used to improve performance. In sport, AFL clubs compare their marks, handballs and inside 50s with that of other teams. In the NRL it is tackles, line breaks and all run metres.

Just to refresh reader’s minds what “the cloud” is. The cloud is the name given to applications (i.e. software under the old name) that “live” on the internet.

Just like wanting financial security and success, but very few of us actually take the steps to achieve this.

We all have a plan for once we retire which may include travel, hobbies, investments, etc. but few of us sit down with their financial adviser to discuss appropriate actions to take place to maximise their financial position in the future.

The saying “it takes money to make money” is very true. Everyone’s circumstances are different, so there is no “one sizefits all”, but one thing everyone can agree on, is finding an option where you pay the least interest with the least cost and minimum credit requirements.

There are 3 simple rules which should be considered prior to putting money into superannuation, so that you don’t end up paying “extra tax”.

In the current regulatory environment, it’s important that you understand these 3 quick rules to maximise your retirement savings.