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• Thursday, September 06th, 2018

If you are like most Western Australians, you probably don’t think about your credit score unless you’re getting ready for a loan like a credit card loan. In fact, there are some who have never checked their credit scores.

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Credit Card Holder

Normally, we don’t pay much attention to our credit score just like how often we want to know about our checking balance or credit card balance. Some people avoid checking their credit scores because they’re afraid of what they’ll find when they look. Meanwhile, there are some who fell into the misconception that checking their credit score will affect their credit.

So why do you need to check your credit score? It is not ideal to go without checking your credit score, or just checking it every few years. To have control over your credit and your financial life, you must check your credit score regularly. It is important to know your credit score so that you’ll know where you stand. It is better to know your credit score than to have no idea where your credit stands, whether it is good or bad. Luckily, there are some steps you can take to improve your bad credit score. Or if you already have good credit score, you can focus on maintaining it.

Another reason why you should always check your credit score in order to make sure that your credit information is accurate. If your credit score is lower than you expect, it could be a sign that your credit report contains errors that need to be corrected by your credit card provider.

One important reason why you should check your credit score is for you keep on the loop with the changes and respond quickly. If your credit score falls, you can use the information in your credit report to figure out what might have caused the change.

Want to know the recent changes that every Australian credit card holders should know? Check this out: https://www.perthnow.com.au/lifestyle/personal-finance/the-changes-that-will-affect-your-credit-score-ng-f5b5eeca819ce10c6bd6ac1290014b30

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Author:
• Wednesday, May 30th, 2018

No matter how large or small your business is, running a business involves making difficult decisions. Should I spend more on my advertising efforts? How much am I willing to spend for my new machineries and equipment? How till my workers cope with me during my trip outside of Perth?

Image result for tax accountant

Making the right decisions is one of the biggest challenges in business especially for new business owners. That is why it is very important for them to seek for an expert advice. In a small business, one of the critical areas that new and some old entrepreneurs that need advice on is income tax.

Your small business needs tax advice when you first start as to what type of entity to operate from the start. It is not enough that you focus on how to innovate your business, but it is also need to decide on whether or not you want to continue the business type each year so that you can maximise your income tax benefits, and when the business is sold so they can minimise the tax payable through the small business capital gains tax concessions.

However, the most common problem that most small business owner experience is that they do not know whether they’ll use a tax agent or an accountant to help them with taxes. They do not know which one is equipped with skills and knowledge to provide you with the advice you need.

What’s the difference? Tax agents are those who are highly specialised in preparing and lodging Income Tax Returns. They focus purely on Income Tax. On the other hand, accountants are specialised in assessing and advising you on what actions to take to maximise your income tax. Nearly every financial move you make has some level of taxation involved, so it makes sense to have the advice of an accountant on hand.

Read more about this topic at: https://www.watoday.com.au/business/small-business/are-you-using-a-tax-agent-or-an-accountant-20180529-p4zi32.html

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