It’s an age-old question and one of the most important ones to answer as you plan your retirement savings – what exactly are you saving for and how much will it cost?

Most investors have more exposure to international stock markets that they think, especially via their superannuation funds. For the sake of your portfolio it’s worth keeping an eye on the performance of these markets.

Once the owner of a small business has qualified for the capital gains tax exemptions, by either having a business turning over less than $2 million a year or having a total net worth of less than $6 million, there are four concessions available.

This month’s Business in Focus is local website designer, Jeff Hall from Website Guy.

We speak with Jeff on the success of his business and discuss the future goals for the business.

A statement by the ATO said there would be greater ongoing examination of self-managed superannuation funds and their auditors, especially those identified as “high risk”, and that penalties of up to $10,200 would be imposed on funds falling foul of the law. This warning takes effect from July 1 2014.

The Central Coast has one of the highest teenage unemployment levels in NSW with more than 28% of the coast’s young people aged between 15 and 19 who are looking for full-time work and cannot find a job.

With more than 100 billion business emails sent each day, it remains an essential business tool.

This month’s Client in Focus is Ben Blue, owner of Central Coast business, LAB Fire Services.

Ben shares his enthusiasm about the success of his business and discusses the current challenges facing him and his team.