McMasters’ Accountants in Moorabbin, Victoria, Australia | Financial service

McMasters’ Accountants

Locality: Moorabbin, Victoria, Australia

Phone: +61 3 9583 6533

Address: 71 Tulip Street 3189 Moorabbin, VIC, Australia

Website: http://www.mcmasters.com.au

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24.01.2022 In this newsletter, we look at whos who in share investing. Specifically, we talk about who you are likely to be buying from or selling to when you invest directly in shares. We also examine the Reserve Banks recent decision on interest rates and recommend an approach that we think will suit anyone with debt.

24.01.2022 What I am doing on the investment side of things I am very lucky. I enjoy my work. A particularly pleasant part of my work week is sitting down with clients and discussing what they should be doing on the investment side of things. (If we have not done this for while please ring and make an...

23.01.2022 Debt and its effective management can make all the difference to your financial wellbeing. Almost nobody can get ahead financially without using some debt even if it is simply a home mortgage that lets you buy the all-important family home. But not all debt is the same. And just as the right kind of debt can make a huge positive difference to your finances, so the wrong kind of debt can be a true millstone around your neck.This month, we have published a comprehensive ebook on debt and how to manage it as effectively as possible. The ebook shows you how to get the most out of debt while avoiding the common (and not so common) pitfalls that can trip up unwary borrowers. So please read on, and, as always, feel free to get in touch with us to discuss any aspect of your financial management. We would love to hear from you.

23.01.2022 Keep your worries about investments in perspective http://ow.ly/j51c3061S7P

22.01.2022 Buy a home or buy a practice? Part 5: The best investment - your practice. Have a read here: https://t.co/Q1kSFJjQhY

22.01.2022 Income protection insurance is essential for all people who would suffer financially if they were unable to earn income from working. This includes single people whose own lifestyle would suffer if they were unable to earn income as well as people who have financial dependents, such as parents.

22.01.2022 Many working Australians or Australians who used to work have insurance of which they are unaware. This can be a huge relief if ever something goes wrong and you cannot work. If you or someone you know has become unable to work, then this article is a must-read. And if you think you might need help with a claim, please make sure you contact us.

22.01.2022 Part 9: Managed funds or direct investments? Which one? Read our thoughts here: http://ow.ly/4mY89m

22.01.2022 Part 4: Introducing our clients. Read some case studies here: http://ow.ly/4mY7HD

21.01.2022 One of the hardest things about running your own business is changing your mindset from what works for employees to what works for employers. Employees are usually paid for their time, and so they use time to measure how much work they get done. For the person owning the business, time is the wrong metric.

21.01.2022 Part 4: Introducing our clients. Read some case studies here: https://t.co/P8nWPCtcsy

21.01.2022 If knowledge is power then budgets give you powerful knowledge. This ebook helps you create your own spending and earning budgets, a critical first step in gaining control over your financial future.

21.01.2022 McMasters App Launch and Motor Vehicle Logbooks: http://ow.ly/sDFH302uzUX

20.01.2022 McMasters is now known as Curve - be sure to join the conversation on Facebook - https://www.facebook.com/curveaccountants/ and LinkedIn - https://www.linkedin.com/company/curve-accountants/

20.01.2022 A quick guide to Discretionary Trusts: https://t.co/TexBv0X3Fe

20.01.2022 Xero and CBA unveil new innovations in small business banking: http://ow.ly/lnua302gtIL

19.01.2022 Single Touch Payroll (STP), is the new streamlined way for the ATO to receive payroll and superannuation data from employers. It represents a significant change and businesses will need to ensure they are ready to meet the new obligations. http://ow.ly/ryyM30kQnz5

19.01.2022 This newsletter combines our regular property and sharemarket updates. We discuss the latest findings of the ASX Russell Long-Term Investing Report, which show that residential investment property has once again been the best performing asset class over the last 10 and 20 year periods. Interestingly, the share market has not done as well - although this has much to do with the point-to-point nature of the 10 and 20-year time periods that were examined.

18.01.2022 We are often asked to value practices, either acting for the vendor or the potential purchaser. A practice is often the best investment a doctor makes, providing the potential to generate higher income than what would otherwise be generated as a non-owner. http://ow.ly/uLlH30kF9gX

17.01.2022 Did you know you can pay the same rate of interest to a bank but that the actual cost to you of that debt will differ depending on whether the interest is deductible or not? This makes managing debts for tax effectiveness one of the most useful things any business owner or investor can do. This is a simple idea but it is important that you get the detail right. So, please read on and dont hesitate to contact us if you would like to hear how you can take advantage of this simple mathematical truth.

17.01.2022 Superannuation, or super as it is more commonly known, is a cornerstone of most peoples personal financial management. Apart from their own home, for many people superannuation comprises their entire personal wealth.

17.01.2022 Diary Notes February 2017: Managing the cash flow burden of high cost school fees http://ow.ly/e1wx308WoDN

16.01.2022 Superannuation is an often-forgotten area of estate planning. This article discusses the best ways to make sure your super goes where you want it to go when you dont need it any more.

16.01.2022 Part 10: Tax planning for doctors. Read our approach here: https://t.co/uo949W37Q3

15.01.2022 Index funds don't try to beat the market, instead they try to match the index. Watch our latest video guide here: https://t.co/RpHYrfoaRn

15.01.2022 The 2016 Federal budget introduced a number of changes to superannuation. Many of these changes take effect on 1 July 2017. This weeks article follows on from our article of a fortnight ago. We continue to explore the coming changes and how you can ensure you are prepared for them. We hope you enjoy it!

14.01.2022 Did you know that the share market has produced a 20% return in the last 12 months? It has seeming without too many people noticing. You can read all about it in our April newsletter, which also contains an update on the residential property market and three separate articles on different aspects of debt and its effective management.

14.01.2022 Can practitioners claim meals consumed at work? Read our Diary Notes to find out more: http://ow.ly/Oev1303K1Od

14.01.2022 The 2016 mid-year review of active vs passive investing shows most fund managers can't even beat the index. http://ow.ly/bXxp304Wdpz

13.01.2022 In this newsletter, we look at ‘who’s who’ in share investing. Specifically, we talk about who you are likely to be buying from or selling to when you invest directly in shares. We also examine the Reserve Bank’s recent decision on interest rates and recommend an approach that we think will suit anyone with debt.

12.01.2022 After many years as McMasters’, we have changed our name officially to Curve accountants. Please be sure to follow us on our new social channels to stay up to date with the latest news and information.

12.01.2022 Just a reminder that the McMasters offices will be closed Monday 26th December to Tuesday 3rd January. See you in 2017! https://t.co/WJN3IOax3a

11.01.2022 Guide to Custody Trusts - watch our video explaining how SMSF borrowing works https://t.co/rMJp2cx8xY

11.01.2022 Marriage usually means you need a new will. And if this is not your first marriage, then you may need a will that reflects that you have obligations in different directions.

10.01.2022 October 2016 Diary Notes: Deductible Overseas Travel http://ow.ly/Og4f305v4dj

10.01.2022 UPCOMING BRISBANE SEMINAR: FINANCIAL PLANNING FOR GPs. Presented by Terry McMaster on Saturday Nov. 26th. 9am-12pm at Rydges 601 Gregory Tce, Bowen Hills QLD Financial Planning for GPs is a morning seminar essential for all GPs and other doctors from Brisbane, Gold Coast, Sunshine Coast and surrounding areas to attend. ... Topics will include choosing the correct practice structure, investing in property, super and estate planning. Book your seat today: http://ow.ly/zypl304Wi3o

10.01.2022 Dollar Notes September 2016: Our Property Crystal Ball https://t.co/q38y6KfhKo https://t.co/fxiI9EWQI1

09.01.2022 A quick guide to Custody Trusts: https://t.co/yGCC3ds0I7

09.01.2022 Often, businesses are the best investments. We regularly recommend clients buy or start businesses, or further develop existing businesses, wherever a client is suited to this by inclination, personality or training. The extra economic benefits, improved tax planning and, hopefully, the CGT free profit on the ultimate sale of the business mean this is an option clients cannot afford to overlook. In this ebook, we look at the business plan, staffing and time management aspects of a successful business.

08.01.2022 A quick guide to Discretionary Trusts: http://ow.ly/IHwO301lLdy

08.01.2022 Super contributions are a legitimate expense of a business. As long as the business uses a company structure, it can even borrow to make contributions on behalf of all of the staff including the company directors. This can create a nice little tax saving that might not otherwise be possible.

07.01.2022 How much do shares make? Can I borrow to buy shares? Read Part 8: Investing in shares: http://ow.ly/4mY81f

07.01.2022 Until now, salary sacrifice has been one of the only ways that a person can make an extra tax-advantaged contribution into their super fund. But that changed on 1 July 2017. Now, almost everyone can make additional contributions without their employer even knowing which might come in handy next time you ask for a pay rise!

07.01.2022 Compared to previous years, the 2017 Budget was a bit of an anti-climax. In previous years, there have been a number of big-ticket changes - such as the big changes to superannuation that we have been discussing in recent articles. But this year there have simply been a whole lot of small changes, some of which will be of benefit and others will represent a small loss.

07.01.2022 Part 11: Commission free insurances for doctors. http://ow.ly/tJQu307aQtU Contact us to ensure you are on our rebate scheme today!

06.01.2022 Dollar Notes January 2017 - Down on his luck http://ow.ly/cg4h307baQQ

06.01.2022 December 2016 Diary Notes: The latest superannuation announcement and how it effects you http://ow.ly/Py1l307aPS3

06.01.2022 Recent changes to the assets test have increased the rate at which the aged pension is reduced when assets exceed a certain level. This has led to what some people describe as a superannuation sweetspot. Hitting this sweet spot can make a big difference to your retirement, so read on and contact us if you would like to discuss how you can hit your own sweetspot.

06.01.2022 Buy a home or buy a practice? Part 5: The best investment - your practice. Have a read here: http://ow.ly/4mY7K1

06.01.2022 It's vital for security that you set up a two step authentication for logging in to Xero. Read more here: http://ow.ly/4S0u3033g8I

05.01.2022 In property investing positive gearing is where the rent received exceeds the interest on money borrowed to finance the purchase. You often hear about positive gearing especially from people with a property they want you to buy! But is positive cash flow property actually worth pursuing? The answer depends on what is creating the positive cash flow situation. Sometimes, these factors combine to make positive gearing a wonderful way to reduce risk. But at other times, the factors creating the positive gearing can make an investment very risky indeed. This article shows you how to tell the difference.

05.01.2022 When it all boils down, financial advisers help people solve problems. What kind of problems? Watch our new video and find out! Read our full article here:

04.01.2022 Self-managed super funds (SMSFs) are a great way to manage your own retirement benefits. Compared to other forms of super, they give you more control, more flexibility and, if they lead to lower fees, they often give you more money as well. Some people even find managing their own super enjoyable! In this ebook, we examine SMSFs from start to finish. We have designed the book to let you answer a simple question: is an SMSF is right for you? So, please read on and, as ever, feel free to get in touch if there is any aspect of your own super that you would like to discuss.

04.01.2022 If you run a small business, or if you are thinking about doing so, then that business needs to be the foundation of all of your financial planning. After all, get the business right and you make all the other parts of your financial plan your investing, your debt management, your super, your insurances much more likely to succeed. This article gives you a little illustration of the powerful impact that effective business planning can have.

04.01.2022 Should you own a home? Part 6: The next best investment: your home. http://ow.ly/4mY7Qv

03.01.2022 December 2016 Diary Notes: The latest superannuation announcement and how it effects you https://t.co/pyiJUfHcj3

03.01.2022 Part 7: Surgery premises and other commercial property. Learn why practice premises are a good investment here: http://ow.ly/4mY7UO

03.01.2022 McMasters App Launch and Motor Vehicle Logbooks: https://t.co/9hEenAOQ6T

02.01.2022 Less $$ paid in taxes means more in a portfolio to keep compounding. Read Tax-Smart Investing by Robin Bowerman: http://ow.ly/EMg0303Kgue

02.01.2022 Successful investors know successful investing occurs over decades and across generations: http://ow.ly/dgQe303iXbo

01.01.2022 After many years as McMasters, we have changed our name officially to Curve accountants. Please be sure to follow us on our new social channels to stay up to date with the latest news and information.

01.01.2022 Dollar Notes September 2016: Our Property Crystal Ball http://ow.ly/JS0J304tJU6

01.01.2022 Superannuation, or super as it is more commonly known, is a cornerstone of most people’s personal financial management. Apart from their own home, for many people superannuation comprises their entire personal wealth.

01.01.2022 Part 10: Tax planning for doctors. Read our approach here: http://ow.ly/H8gE307aQ4E

01.01.2022 Investors should invest for the long term and not subject themselves to the political whims of the moment http://ow.ly/jMSb3061Rpk