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Discover if you qualify for the upcoming small business tax cuts. Get insights on eligibility criteria and maximise your savings at Geared.

In September, the RBA decided to raise the cash rate by a further half percentage point (taking it to 2.35%). It was only in April that the cash rate was 0.1% so the move up has been rapid-fire. The reasons for the aggressive shift in policy are well known:

Stay informed with the latest housing market update. Explore insights on house prices, trends, and projections with Geared.

Stay informed on the latest economic update. Discover surprising GDP growth, strong sectors, and potential risks. Get insights at Geared.

Going into the May RBA Board meeting, economists thought the three possible scenarios were possible: no move, a 0.15 rise or a 0.4 percentage point hike. Financial Markets were fully priced for a 0.15 percentage point move. By moving by 0.25 percentage points (to 0.35%) the RBA obviously wanted

Gain a competitive edge with renewable energy for your business. Discover cost-saving solutions and government incentives with our experts.

The September quarter wages data was for financial markets the most eagerly anticipated piece of economic data for the remainder of 2021. That is because the RBA made it clear that for interest rates to rise they would need to be satisfied that inflation will sustainably be 2-3%. And

As many businesses recommence full operations and begin preparations for the Christmas period, the impact of global supply chain disruptions means order fulfilment -the ability to meet customer demand - will require businesses to be agile and prepared for a multitude of scenarios Retailers, wholesalers and dealerships in all industries

The COVID news in a number of the states (and territories) over the past few weeks hasn't been good. The overseas experience suggests that at some stage we would be confronted with another virus 'wave'. Almost all countries in the OECD have been hit by at least 3

Get the latest update on the Victorian Government's $3 billion business survival and adaptation package to support your business. Learn more.

Most owners sign one finance deal and never look at it again. That is understandable. You are busy running a venue, not watching interest markets. But a lot can change in a few years, and the finances you set up when you opened might not be the best fit today. That is where refinancing comes in.

When most owners think of equipment finance, they picture the big kitchen machines. Those matter, but they are only part of the story. A lot of what makes a venue work can be financed, and knowing that can change how you plan a build or an upgrade.

Opening or refreshing a venue is exciting. It is also expensive. A fit-out pulls together a long list of costs at once, and paying for all of it out of your own pocket can leave the business short before you have served a single customer. Financing the fit-out spreads that cost out, so your cash stays where it is needed most.

For years, the instant asset write-off came with an expiry date. Every year, business owners waited to see if it would be extended. That uncertainty is now gone.

Opening a second venue is a milestone. It is also where a lot of good operators come unstuck, not because the new site fails, but because the expansion quietly drains the business that was working fine.

If you run a cafe, restaurant, bar or any seasonal venue, you already know the truth that steady-income advice ignores: your money does not arrive evenly. Summer roars, winter whispers, and the equipment bills do not care which month it is.

As the end of the financial year comes into view, a lot of business owners start thinking about buying equipment. It is a sensible time to invest, but the tax side is genuinely individual, so the best move is to go in with the right questions for your accountant rather than assumptions.

"Just pay cash and avoid the finance." It sounds like the responsible choice, and sometimes it is. But paying cash for equipment carries a cost that never appears on any invoice: the opportunity cost of what that money could have done elsewhere.

When you apply for equipment finance, your credit profile is part of the picture a lender builds of your business. It is not the whole story, but understanding it puts you in a stronger position before you apply.

Every business owner knows the feeling. The machine breaks down again, you pay for another repair, and you quietly wonder how long you can keep this up. So how do you know when repairing stops making sense and replacing becomes the smarter move?

Ottimo Coffee stands as a shining example of a business fueled by passion, dedication, and strong partnerships. The 15-year journey is not just a testament to the excellence of their coffee but also to the power of collaboration and choosing the right allies in