Author: Hannah

Categories
Finance

What’s best for a small business to outsource?

Small businesses have a limited budget and can’t always afford to have full-time employees on their payroll to handle different tasks. This doesn’t mean you need to handle all essential business tasks on your own. Small business owners should focus most of their energy on business tasks and processes that require their particular skill and attention.

They can delegate ordinary business processes to a third party through outsourcing. You can maintain a lean organisation, stay within your operations budget and still get work done.

What can you outsource?

Different businesses have different requirements so it’s important to study your business processes, understand your budget and look at your employees’ skills and abilities before you determine what you should and shouldn’t outsource. Mentioned below is a list of services you can easily outsource. You can study the pros and cons of every option and make your decision.

HR outsourcing

When you have employees, you need to manage their needs and requirement though a Human Resource system. The HR department of a company maintains employee records, keeps track of their insurance cover, performance reports, leaves and absences, complaints and requests and other such information. All of these records need to be properly managed and maintained.

HR is also responsible for employee development and helps organise training. If your employees don’t have proper support from HR, they might not be inclined to remain in your company and seek employment elsewhere.

As a business owner you need to provide this support system and you can do it by outsourcing the task to an external HR company. They will handle all aspects of HR support and development, so your employees will be satisfied and perform well.

Payroll outsourcing

Business owners often underestimate how complex payroll management can be. It goes beyond keeping a record of employee payments and salaries. You need to keep track of their working hours, record leaves, bonuses and make sure all the employee information is up-to-date. Mistakes can lead to penalties, fines and sanctions, so it’s important to keep a good payroll record and ensure all the information in it is accurate.

One of the best ways to achieve this is to hire a professional bookkeeper and use a software program to manage the data. If you outsource payroll, you don’t need to worry about the details involved. You can trust the outsourcing professionals to keep all the information up-to-date and ensure there are no mistakes in the records

IT outsourcing

Modern businesses, especially small businesses, rely heavily on their IT systems. They use IT to get work done, store information, manage business processes, handle marketing and provide customer support. Unfortunately, IT systems aren’t infallible and can develop problems like viruses, data loss, software glitches, hardware issues, etc. Big companies have IT departments that can handle these problems and provide essential maintenance.

Smaller businesses can get the same security by outsourcing IT support and maintenance. IT support companies have expert technicians on their staff that can handle all kinds of computer and IT problems. They offer both remote and on-site maintenance and repairs.

IT support and maintenance companies also provide additional services like cloud system, processing power from their server, hosting services, etc. You don’t need to invest in data banks and servers to store your information; you can simply purchase one of the many cloud plans offered by IT support companies

Small business bookkeeping

All businesses need to keep track of their expenses and income through bookkeeping and accountancy. If you don’t keep track of your financial information, your business will suffer and eventually fail. You also need to maintain accurate financial data in order to file your taxes with the government at the year end. If you make mistakes and don’t pay as much tax as you’re supposed to, you’ll face penalties, fines and may even lose your business license.

Unfortunately, bookkeeping isn’t easy, even for small businesses. You need to keep track of all expenses, look at your cash flow, maintain a record of your income, determine what expenses are tax deductable and perform other related tasks. While accounting software can help you maintain the records, it’s not easy to consolidate all the information at the end of the financial year.

How to hire an accountant that meets your business requirements? A well-trained and experienced accountant can help you consolidate information, determine your tax burden, look for tax deductable expenses and provide other financial advice. This can be easily outsourced as well.

Contact local bookkeepers

Legal process outsourcing

Businesses need to handle a number of legal processes like registering trademarks for their brand, developing terms and conditions, creating contracts for customers, employees and business associates, etc. You need advice from a legal professional with experience in the industry to ensure there are no mistakes. Errors in legal process management can lead to law suits and other legal difficulties, so it’s a good idea to hire a company to keep track of all legal aspects of your business.

There are a number of third-party companies with excellent legal experts and lawyers on their team. They can advise you on all aspects of your business and ensure you stay on the right side of the law.

Business process outsourcing

A business is a complex machine with several moving parts. All of these parts must function well and without interruption for the business to move forward. Every business has a number of background processes like customer service, sales, marketing, internal maintenance and repair, etc. A business owner must keep track of these processes and ensure that they’re on track.

Thankfully, you can outsource a large number of these processes as well. For example, you can hire a company to clean and maintain your commercial property instead of creating a permanent cleanup crew.

Wrap up

Outsourcing is easy and affordable, so all you need to do is find a reliable service provider to handle all your processes. Outsourcing allows your business to grow at a reasonable pace and minimises the initial investment. You can direct your resources to areas of your business that truly need it.

Categories
Real estate & moving

10 moving office tips for employees

Moving office takes time, luckily, it is a burden that everyone in the company shares equally. With the right planning, organisation and coordination, a lot can be achieved with as little effort invested as possible. The work must carry on at the new workplace location, so having everyone exhausted by the move may result in turnover you don’t need. Therefore, everyone must play their part in this process. Here is our office moving checklist for employees.

1. Tell all your clients

The first thing you need to keep in mind is that this move isn’t just affecting you. For instance, what happens in a situation where an important client decides to visit you, unannounced, at your old location, only to find you absent. In this case, they might get the impression that they are not important enough to get a timely notification of your company’s relocation. To avoid this, contact your clients in advance and let them know you’re moving office, including the new office address, change of operating hours and telephone number (if any).

2. Make an announcement

When a company relocates, there are so many things to do. Most importantly, your workforce needs to make an important choice whether they will relocate with your business or quit. In a situation where the move is across the country, it isn’t that odd to assume that some staff may decide to leave, yet this is something that needs to be discussed in time.  It is vital that the employee responsible for spreading this announcement (most commonly someone from HR) does this to give employees enough time to work their notice period and recruit for new staff. This usually means weeks or even months in advance.

Source: Balanced Business Accounting

3. Hire office movers

As for the move itself, contacting professional office movers in advance to avoid the hustle. The office manager is recommended to have the full list of the items, including computers, furniture and storage, that are transported to a target location. It may be more cost effective to purchase new office furniture and equipment at the new location than to pay for the relocation of goods from your existing office. You can either sell these items or donate them to a charitable organisation. It is recommended to get an itemised quote from the office movers to work out what is the best course of action for you.

4. Get the packaging material

Simply contacting office movers isn’t enough, it is also your job to secure all the materials that you’re going to take to your target location. For this, you need to get a sufficient amount of boxes, duct tape, labels and other important items. It is important that you are as organised as possible during this process.  It is common for many items to get misplaced and mishandled during the move as people don’t know the importance of the contents of the box. For this reason alone, some companies purchase, borrow or rent out a label printer.

5. Prepare the new destination

Apart from worrying about your current office, you must also adequately prepare your new destination for your arrival. So, if one of those destinations is Sydney, for example – the next sensible move would be to hire a Sydney removalists who satisfy your company’s standards. With the removal services on your side, you can prepare the office for your inevitable arrival. Aside from this, the office in question might require some additional work especially if you have complicated computer or server setups, which is why you might also want to inquire about local contractors.

6. Official address change

The issue about relocation bears some legal complications, as well. Your company is probably registered at your current location so this will have to be changed. Next, you also want to cancel all subscriptions you have at your current location or just redirect them to the next one.

7. Situational company name change

In the same manner, you might be also compelled to change the name of the company. Imagine a scenario where your company name has the name of your city or region as the part of the phrase. Furthermore, your entire marketing might suffer from it, yet the consequences you will experience at the target destination if you fail to do so are even greater. Sometimes, it might be a good idea to organise a great brainstorming session amongst the team and try to figure out how to deal with this situation as painlessly as possible.

8. Think about the insurance

Another thing you should take into consideration is the one of insurance of your equipment, office and company in general. Sure, this is something that is already handled at your current location but you need to ask yourself one thing: “Does the insurance on our computer equipment and furniture cover any damage made during the office move”. Pointing this out to some of your supervisors might earn you some extra credit with them, as well as save your company a small fortune in repairs and re-purchases. It might also be worth your while to inquire about things like plumber and handyman insurance types, for your future headquarters.

9. Organise the packing

In one of the previous sections we mentioned the issue of acquiring the right packing materials and while this helps you immensely in the process of packing, there is still a lot you have to do. In order to ensure nothing is accidentally misplaced or mishandled, a manager might want to hire people responsible for packing. Each of the people responsible might have their own area, which includes certain items or types of items. With the right organisation, everything becomes considerably easier.

10. Try to alleviate the tension

Finally, the process of moving office is always a difficult one, especially since some of your partners, employees and clients may abandon you for good. Therefore, it is a job of every responsible team member to try and alleviate the tension around the office as best as they can.

FAQs

What to do with office equipment that you don’t need at your new office?

When moving offices it isn’t uncommon to have extra furniture that doesn’t quite fit into the new office. Depending on your financial and logistical position, you may want to try one of the following avenues:

  • Sell your unwanted office furniture online or in the classifieds
  • Donate it all to a local charity or another business starting up
  • Store it. This might be helpful if you’re looking to expand in the near future, however, the cost for storage may quickly outweigh the benefits.

How to safely move computers and electrical equipment?

Quite possibly the most important aspect of any move is ensuring the computers and computer networks are transported safely. Computers will need specialist moving equipment to ensure they do not receive any damage en route to the new office. Taking special care to preplan the move and how cords and accessories will travel will decrease your downtime at the other end.

Here are a few things to consider when moving your computers:

  • Wrap them well using special padded wrapping.
  • Consider how the computers will be moved. Specific computer moving trollies can make the process safer by reducing vibrations from the road during moving.
  • Is your equipment insured while in transit? Check with your insurance company and make any adjustments to your policy if needed.

Wrap up

By following this office move checklist, your moving office experience will become as simple and efficient as possible. Sure, there are always some unforeseen difficulties you might encounter along the road, but as you progress through each of the above steps, you will feel the weight on your back getting lighter and lighter.

Categories
Finance

Car allowance tax guide

Saving money at tax time is something that everyone wants to do. If you have work-related car expenses, then you might be able to deduct work-related car expenses under certain circumstances. Let’s explore when and how you can deduct your vehicle expenses at tax time.

Here are a few examples of times when you might be able to deduct your car expense when using it for business.

  • Hauling tools and equipment used for your job.
  • Pick-up and delivery of items for your employer.
  • Travelling between two different places of employment.
  • Your work begins at home and involves various sites.
  • Travel for meetings, conferences, and other work-related events.
  • Travel to your workplace, but only under certain circumstances.

How do I track & claim my car-related expenses?

The Australian government allows two different methods for claiming the car allowance tax deduction. When claiming car expenses, you can use either method. Here is a break down of how they work.

Cents per kilometre method

Using this method, you can deduct a set rate for each kilometre that you travel for business-related activities. If you use this method, you must demonstrate that you used the kilometres claimed for work. A simple logbook that includes the miles travelled is sufficient. Let’s take a look at an example.

Jim is a manager for the construction industry. He uses his personal car to deliver and drop off supplies to a remote worksite that is 7km away. The round trip is 14 km to and from the home office. He does this once a week, every week of the year except for two weeks of vacation. The current allowable rate is $0.68/kilometre.

  • 14km per week X 50 weeks = 700 kilometres that can be claimed
  • 700 allowable kilometres X $0.68 = $47.60 that can be deducted

Pros

  • Easy to calculate using a simple formula.
  • Computed using a standard rate set by the government.
  • Suitable for people who use their car less than the maximum allowable kilometres.
  • Record keeping is simple for this method.

Cons

  • Limited to 5,000 kilometres per vehicle per year.
  • Cannot claim separate vehicle expenses.

Logbook method

This method requires more record keeping of motor vehicle expenses. Still, if you use your personal vehicle for work frequently, it can add up to a more significant deduction. Let’s see an example.

Now, let’s say Jim uses his own vehicle for 1,000 km during the 12 week period when he tracked vehicle mileage in his logbook. Let’s also say that Jim kept records of fuel, repairs, service, insurance, and took depreciation on his new vehicle. The current deduction rate using the logbook method is 85%.

  • 1,000 km X 0.85 = $85
  • $8,430 of vehicle expenses X 0.85 = $7,165.50
  • $7,165.50 + $85 = $7,250.50 deductible expenses

Pros

  • Only have to keep a motor vehicle logbook for 12 consecutive weeks.
  • You only need to complete the logbook once every five years.
  • More detailed record keeping.
  • Can deduct expenses such as registration, fuel, service, insurance, etc.
  • Based on a percentage of all costs.
  • An excellent choice for those who exceed the 5,000 km limit for the cents per km method.

Cons

  • You must own the car.
  • Must record all business and all personal trips.
  • Must keep all receipt for related expenses.
  • More restrictions apply to this deduction method.

What car-related costs can’t I claim on my taxes?

Both vehicle expense deduction methods have different rules that apply to when you can and cannot take the deduction. Here are a few examples that might apply to your circumstances.

  • Travelling from home to your regular place of employment.
  • Car expenses that are reimbursed or are included as part of a salary package.
  • Picking up something for your employer on your way to your regular work location.
  • Fuel when using the cents per km method.
  • An employee is driving your personal car for work.
  • You are working overtime, and public transportation is not available.
  • You have to drive back to work for after-hours calls.

What about owned or leased cars?

You can deduct expenses from a car that you own, lease, or is under a lease-to-own agreement. This can be claimed using either the logbook or cents per km method. In some cases, you might be able to claim the car tax deduction for vehicles, such as motorcycles, passenger vans, or trucks fitted to haul equipment.

How to hire a tax accountant

Sometimes, deciding how the rules for the car tax deduction apply to you can be tricky. Hiring a tax accountant can help you take the maximum allowable deduction for your circumstances and help you to avoid any penalties for claiming something that is not allowed. Here are a few tips for hiring a tax accountant.

How to create an accurate estimate

To claim your tax deduction and get the proper credit for your circumstances, you need to do a few things to help your tax professional:

  • Keep all vehicle-related receipts.
  • Print out all electronic receipts.
  • Place all of your receipts in a file.
  • Keep your logbook with you at all times.
  • Place your logbook in a place where you will see it.

Licencing & qualifications

Hiring a tax professional is an important decision. You must choose carefully because utilising the wrong one can land you in trouble. Here are some of the requirements needed to become a tax accountant.

  • Must have a Bachelor’s degree in accounting.
  • Must participate in the Certified Practising Accountants (CPA) program or be a member of the Institute of Public Accountants or Chartered Accountants Australia.
  • Be sure to ask how long they have been a tax accountant and their experience with similar tax circumstances.

Contact local tax accountants

How to save money hiring a tax accountant

Tax accountants use different methods of charging for services. Some charge a flat fee, while others work on a percentage basis. Here are a few tips for saving money when hiring a tax professional.

  • Ask what they charge and how they charge upfront.
  • Save your receipts, or you cannot deduct all of your eligible expenses.
  • Keep your records in the proper order to save your preparer time.

FAQs

Can you claim fuel on tax?

Claiming fuel on tax is only allowed if you choose the logbook tax method. A matching receipt must accompany a fuel claim, and you must keep a travel logbook for tax purposes. You can only claim a portion of your fuel expense that was used for work purposes. You cannot claim this deduction if you use the cents per km tax deduction method.

Categories
Design & technology

How to plan your web design

There is seemingly no end to web design businesses in the market. They price themselves from as low as $199, and all the way up to $25,000. Sometimes there is little difference between what you get as an end result.

After 10+ years running my web design business I have learnt that there is a way of doing things which will ensure the highest chance of success for your website build.

The biggest mistake people make when buying a website is looking for web design right off the bat. Then a web designer will ask them to pull together their content, some images and make them a website without really knowing their business or their clients.

Planning your website build will help save time and money in the long run / Source: MG Datacomm

There are 5 clear steps to building a quality website, if followed step by step you should end up with an awesome website and great results.  These are website planning, content creation, web design, web development and hosting.  In this article we will focus on planning your website and follow up with a little more about the other areas.

Web design planning

When you open a new business you would rarely do so without a business plan. Any real investor will not release funding until they have seen a strong business plan. This should be the case for your website as well. Why would you invest time, energy and money into building a website without planning its future and how it will benefit your business?

When you plan your website in advance you get to choose who it will appeal to and therefore the calibre of your future sales leads.  You also get the chance to plan your search engine ranking, content direction, the user experience and the way they think about your industry – their worldview.

Search engine ranking

I have rarely met a business owner who doesn’t want to ensure their website is benefiting from regular search engine traffic. Some people even pay Google thousands per month for this honour. By researching your keywords and planning each page to be compatible with those search terms you will give yourself the best chance of that happening. Planning the next 12 months of your blogging efforts is also wise, ensure you base each blog article on a search term which you want to be seen on as well.

Content direction

Your written content is of huge importance, people actually will read your website. If it’s boring or not what they were looking for, you will lose them in the first 10 seconds.

When writing your content you need guidelines planned. The guidelines should give an idea of the goal of your article, how it will help your reader and what you want the reader to do after reading it. If you have someone write your content for you professionally, that person should be able to ensure they shape the content in a way that compels your reader to want to spend money with your business. That’s called ‘converting content’.

User experience

When planning your website it’s important to think about what the visitor will experience on your site, how the site will encourage them to move between pages and the overall subconscious emotional response you want to trigger. Ensure that you plan the site so there is not too many clicks between landing on the site and converting as a customer. The more clicking a visitor has to do the more likely they are to get annoyed and look elsewhere for their information. Likewise on forms, the more fields a user must fill in – the more chance there is of abandonment.

Website images

In the planning of your website you need to ensure you select the images which will be used in the web design phase. Ensure they are high quality and represent your business well. Ensure you choose images with people who are similar demographic to your potential clients. Don’t forget to use images with people smiling! You can also get some wonderful images from Stock Photo sites. These can really make a difference and save you a fortune on photography.

Check out sites like Pexels, iStock, Shutterstock and Adobe Stock. They are often a real help to Web Design.

Website framework

The most common web design framework in the industry today is WordPress. Once you get used to it you will find it is not too hard to use and has a lot of added bonus features which can be installed as plugins from within the CMS.

When selecting a WordPress theme, make sure you don’t just buy the first theme you find.  Many of the cheap themes are sourced from hobby web developers who want to make extra money while they study. They may look great but they often let you down in the code department. This leaves you open to future malfunction not to mention security holes allowing some hackers to penetrate your website. I like to stick with premium theme clubs for my web design. I use Yootheme for many of my projects due to their clean code and great layouts. Yootheme does have the ability to build your site with a site builder, however I avoid complications by just using Widgetkit and raw wordpress.

Contact local web designers

Planned web design

There have been many sites I have planned or re-planned in the past. Here are a few of those which were planned for success and succeeded as a result.

I have a client who owns a web hosting company which specialises in looking after businesses who have large server needs. His business Website is Amaze.com.au.  I was commissioned to re-plan their website. It was built by a large agency who had done nothing about planning the SEO or implementing onsite SEO. 

I planned the site over the course of 1 month. I created a development version of the website to work on so as not to cause any issues with the live site. The plan was then implemented onto the website page by page until I was finished. Once the site was put live, it saw great results within just a few days of launching!

One of my longest held clients is Occupational Safety Solutions, who sells SWMS Templates through their online store. We planned the search engine success for this site as well as the visual user experience. This client had huge benefits from our web design planning and went on to grow their business. 

Wrap up

I sincerely hope this article helps you realise the benefits in web design planning and what it will do for your future web design project. If you have any questions feel free to contact myself or one of my team for some great answers!

Categories
Legal

Conveyancer vs solicitor: What’s the difference?

The Australian government deliberately developed PEXA so that electronic settlements do not take place until the solicitors representing property buyers have filed their details with the (OSR) Office of State Revenue online system.

Electronic conveyancing defined

Electronic conveyancing is a national system that permits for an automatic completion of a property sale or purchase by uploading the entire documentation, and electronic funds transfer into the PEXA system.

Clients cannot automatically log in to the E-conveyancing system to obtain details of their particular conveyancing transaction progress. The Property Exchange of Australia (PEXA) developed the system to streamline and monitor all conveyancing transactions.

eConveyancing minimises the manual paperwork and processes associated with property transactions by allowing the legal parties to carry out the settlement online. The system enables clients to file documents and financial agreements electronically. eConveyancing reduces the risk of delays and errors giving customers greater successful, prompt settlements.

Source: Conveyancing.com.au VIC

The regulatory structure in conveyancing

Electronic conveyancing legislation was amended in the 2015 Property Amendment Bill of the (SA) Real Property Act 1886. The revised act and the launch of E-Conveyancing in South Australia commenced on 4 July 2016.

ARNECC, the Australian Registrars’ National Electronic Conveyancing Council, is an organisation involved with the Registrars from all Australian States, developed the national regulatory law for electronic conveyancing.

Two sets of rules made include:

  • The (MPR) Model Participation Rules govern the connection linking the (ELNO) electronic lodgment network operator and participants, such as solicitors.
  • The (MOR) Model Operating Requirements manage the connection between ELNO and the land title registry.

The activities and tasks of lawyers opting to use e-conveyancing work under the ECNL and the MPR, governance.  In South Australia, version 4 of the MPR and MOR already began operations in the SA Registrar-General office and commenced on 27 May 2017.

Once adopted by a particular authority, the MPR and the MOR essentially become the Operating Requirements and the Participation Rules, respectively.

What are the advantages of eConveyancing over hiring a lawyer?

If all the parties involved in a property transaction have subscribed to PEXA then e-conveyancing process involving stamp duty payment, lodgement of settlement records, transfer documents and funds takes place electronically.

This happens if all participating parties in the transaction agree. This e-process could potentially save you about $200 in transaction fees alone. The major setback faced by clients today is the few PEXA subscribers.

However, more companies have slowly begun migrating to the automated system. The advantages experienced by e-conveyancing include:

  • Decreased transaction costs – Solicitors and conveyancers will no longer have to pay extra fees passed on to their clients. This will bring a significant reduction in overall transaction costs.
  • Easier use – Excessive paperwork no longer applies for lodgment at different Forms will no longer need physical lodging at venues. All documents require digital signatures.
  • Regular updates – Clients receive conveyance-processing updates in real time through text messages or email.
  • Electronic transfers – This is from the solicitors provide printed e-receipts for all the transfers drawn in the settlement process.
  • Quick transactions – You can buy or sell your home faster than in a paper agreement.

Costs involved

With the new conveyancing system, one of the main concerns faced by the stakeholders was the time involved in the preparation of documents. This process alone cost clients huge transaction fees and expenses involved in real estate contracts.

It is crucial that you know all these costs and budget for them accordingly. It is disastrous if you do not plan for all possible property transaction expenditure.

Costs and operating expenses arise in different areas of the business deal. Some may not seem obvious or expected. Typically, you should set aside some cash when buying property for the following costs:

  • Any loan charges payable for obtaining a mortgage
  • Registration fees (Payable at the Lands Titles Office)
  • Stamp duty
  • Search costs
  • Property rates and taxes
  • Minor extra costs and conveyancing fees
  • Costs of moving

You may incur additional costs involved in your particular transactions. Ask your conveyance official for details of the entire purchase before proceeding into the contractual detail.

Individual conveyancing, is it possible?

Unless you have a thorough understanding of conveyancing and precisely know what to do; you can enter into a property transaction without representation. However, here is the downside of self-representation; you cannot expect any technical support from the other party.

If you make any errors, the settlement may delay until you fix it, or worse still, have the other party terminate the entire contract. If you considering representing yourself in the conveyancing deal, carefully examine the list of tasks and tick those that you can handle individually.

Interestingly, not all property agents carry out conveyancing on their own when performing personal transactions. Conveyancing is a professional skill. To be safe, it is best to engage an expert for a smooth, faster transfer of property.

Contact local conveyancing experts

Do you require a solicitor?

Registered conveyancers provide expert skills involving conveyancing work. You may not need to hire an attorney for your property deals. Some conveyancers have complete certified solicitors education. The majority of practicing lawyers have the primary, tertiary education in conveyancing.

In fact, local law firms employ registered professional conveyancers to carry out their conveyancing jobs. A conveyance expert must provide proof of Membership of the AIC as an assurance of professionalism.

Conveyancers or solicitors, who’s cheaper?

When these two professional services collide, both conveyancers and solicitors provide consultant, expert advice and charge for their services accordingly. Frequently, the fees charged reflect the bulk of the contract.

This is common whether you either procure the services of a registered solicitor or hire a conveyancer. The real distinction is that conveyancers provide expertise in this particular field whereas lawyers handle several areas of the law.

As with nearly all business costs, you will end up paying for the services required. Therefore, a professional conveyancer charges slightly higher fees for their swift expert assistance. A registered and certified conveyancer provides peace of mind, knowing all your transactions will go through smoothly.

Categories
Ceremony

Wedding readings for every bride and groom

The written word has a way of evoking intense feelings and setting the right mood. Many people consider a ceremony incomplete without a wedding reading. Unfortunately, it’s not easy to choose the right text to read. Many couples spend hours scouring different websites and reading different books to find the perfect passage.

This list contains a few recommendations for wedding readings. You can browse the options listed here and decide if any of them fit your requirements. You can then read the entire chapter or poem the passage originates from to get a sense of the context and pick the part of the passage that suits you best.

Your choice of wedding reading can help set the tone and mood of the ceremony / Source: Francine O’Brien Marriage Celebrant

Modern wedding readings

Modern wedding readings usually don’t have any religious connotations and the quotes are taken from contemporary novels and other such sources. These quotes can be just as meaningful and important as those taken from religious texts. Here are some options for you to consider:

1. The Notebook

The Notebook is one of the most romantic novels in contemporary literature. There are several lines and scenes in this book that would work well for a wedding reading. The book was written by Nicolas Sparks and was turned into a movie recently.

The movie has become Valentine’s Day ritual for many couples. The most popular quote is, “I’m nothing special; just a common man…”. This quote is simple yet meaningful and highlights the importance of loving your partner with all your heart and soul.

2. The Bridge Across Forever

What could be more uplifting and suitable for a modern wedding reading than a novel based on a true love story? The Bridge Across Forever by Richard Bach was published in 1984 and was on the New York Times Best Seller List for a long time. It’s considered a timeless classic and is a great read even if you don’t want to quote it at your wedding ceremony.

The most popular quote from this book is, “A soulmate is someone who has locks that fit our keys, and keys to fit our locks.” The paragraph that follows this line is very popular in modern readings and will set a wonderful mood.

3. The Alchemist

The Alchemist by Paolo Coelho isn’t a romance novel but don’t let classifications stop you from finding passages to read at your wedding. This book was published in 1988 and is a story of a young boy’s quest to find treasure. It’s the author’s most well-known book and has been translated from the original Portuguese into 69 languages.

One of the most romantic and relevant passages in this book follows this quote, “When he looked into her eyes, he learned the most important part of the language that all the world spoke — the language that everyone on earth was capable of understanding in their heart. It was love.” Quotes from this book would be an excellent addition to your wedding.

4. The Princess Bride

This fantasy romance novel is fun to read, and quotes from this book are an excellent addition to any wedding. The Princess Bride was first published in 1973 by William Goldman and combines comedy with romance, fantasy, and adventure. Quotes from this novel can add a lighthearted feel to your wedding.

One of the best quotes to read from this book is, “Do I love you? My God, if your love were a grain of sand, mine would be a universe of beaches…” This passage is bound to make everyone smile or laugh but it also showcases the depth of love and what people are willing to do for their loved ones.

5. Captain Corelli’s Mandolin

This is another novel that was adapted and turned into a movie. It’s a historical romance novel set during a time of war, which lends some seriousness and gravity to the story.

The relationship between Antonio Corelli and Pelagia is interesting and intense with lines such as, “Love is a temporary madness. It erupts like an earthquake and then subsides. And when it subsides, you have to make a decision.” The entire passage explores the deeper and more practical aspect of love.  Love is not always about romance, flowers, and adventure. It’s also about growth and learning to become a single unit.

6. Wild Awake

Wild Awake is a story about a teenager’s journey during a summer without her parents. It’s a contemporary young adult novel that teaches several lessons and contains many quotes you can read at your wedding.

One of the most popular passages to read from this novel is, “People are like cities: we all have alleys and gardens and secret rooftops and places where daisies sprout between the sidewalk cracks, but most of the time, all we let each other see is a postcard glimpse of a skyline or a polished square…” This and the lines that follow are perfect for wedding readings as they contain wisdom and explain how people relate to one another.

Wedding readings from classical literature

Classical literature is full of quotes and passages that will work well with all types of modern weddings.  In fact, you’ll find some of the most romantic and meaningful quotes on weddings, relationships, and romance in classic literature. Here are some of the most popular novels to read and source quotes from:

Classical literature can be a great source of wedding readings inspiration / Source: Tie the Knot Celebrant

1. Les Misérables

Victor Hugo’s eloquent work is a popular source of quotes and inspiration for brides and grooms. Les Misérables is a potent book with powerful stories. The book takes a deeper look at the nature of love and relationships and should be on everyone’s reading list.

This quote is just one of the many you could pick from, “The future belongs to hearts even more than it does to minds. Love is the only thing that can occupy and fill eternity. In the infinite, the inexhaustible is requisite.” You can find something unique that suits your relationship in this book.

2. Adam Bede

This was the first novel published under the pseudonym George Eliot in 1859. The story is set in the late 1790s and is told from George’s perspective.

While the story itself is a grim reading, there are some memorable quotes you can include in your wedding such as, “What greater thing is there for two human souls, than to feel that they are joined for life…” This line and the passage that follows is a perfect match for a wedding filled with joy.

3. Jane Eyre

Jane Eyre is a classic romance novel that almost everyone has read at some point in their life. The Bronte sisters were known for their gritty and realistic tales, which were a marked contrast to the relatively light-hearted works of Jane Austen.

Jane Eyre has several inspiring quotes such as this example, “I have for the first time found what I can truly love — I have found you. You are my sympathy — my better self — my good angel — I am bound to you with a strong attachment.”

4. Letters to a Young Poet 

This book contains a series of ten letters written by the Bohemian-Austrian poet Rainer Maria Rilke to a 19-year old officer cadet Franz Xaver Kappus. The poems are wonderful reads, offering much wisdom.

Quotes like, “For one human being to love another human being: that is perhaps the most difficult task that has been entrusted to us, the ultimate task, the final test and proof, the work for which all other work is merely preparation,” are perfectly suited for weddings.

5. A Farewell to Arms 

This novel was written by Ernest Hemingway in 1929 and is set during the First World War. It tells the story of Frederic Henry, a Lieutenant in the Italian army’s ambulance corps and his love affair with Catherine Barkley. There are several themes to explore in this novel and many quotes that can give you a unique look at wartime romance.

But one quote captures the magic of the wedding day and marriage perfectly, “That night, there was a feeling that we had come home, feeling no longer alone, waking in the night to find the other one there, and not gone away; all other things were unreal.”

6. Mark Twain’s Letters 

Mark Twain is one of the most well-known and recognised authors in classical literature. His books are filled to the brim with quotes and comments that can apply to any social situation and circumstance. However, what he wrote in his letters is equally interesting.

This quote from a compilation of his letters is perfect for any wedding reading, “This will be the mightiest day in the history of our lives, the holiest, & the most generous toward us both — for it makes of two fractional lives a whole.”

Funny readings for weddings

Some people don’t want a serious and solemn atmosphere at their wedding. They want the event to be full of joy, laughter, and humour. What better way to achieve this result than to add some funny quotes and readings to the event?

Some couples prefer a joyful, lighter mood during the marriage ceremony / Source: Dianne Sherrington Townsville Celebrant

1. Albert Einstein

Einstein was a genius but he didn’t have much to say about love. What he did say can add a very light-hearted touch to a wedding.

“Gravitation cannot be held responsible for people falling in love. How on earth can you explain in terms of chemistry and physics so important a biological phenomenon as first love? Put your hand on a stove for a minute and it seems like an hour. Sit with that special girl for an hour and it seems like a minute. That’s relativity.” Who hasn’t experienced this in their life? This reading will make everyone at your wedding smile.

2. Dr. Seuss

The Dr. Seuss series is well-known for imparting pearls of wisdom in a playful manner. When you read these tales as an adult, you notice subtleties and lessons that weren’t clear to you as a child.

Readings from these stories are always a charming addition to any wedding. For example, you can read, “Congratulations! Today is your day. You’re off to Great Places! You’re off and away!” and the entire page that follows injects playful meaning to the ceremony. This quote describes a new journey with new challenges, which is exactly what a marriage is.

Contact local celebrants

Wedding poems

If you want a traditional wedding and wish to incorporate a softer and more romantic element to it, you can read a poem. Unlike quotes, poems are inherently romantic and have a beautiful rhythm. There are many romantic poems you can choose; but the ones mentioned below are the most popular.

1. Sonnet 116

William Shakespeare was a masterful playwright and his words still have the ability to move people. Shakespeare’s sonnets are in a league of their own and convey deep meaning about love and relationships.

Sonnet 116 is popular because it’s true. It’s the best possible description of what love and marriage should be, “Let me not to the marriage of true minds, admit impediments. Love is not love which alters when it alteration finds or bends with the remover to remove: o no; it is an ever-fixed mark…” Whether you have a traditional wedding or a modern one, Sonnet 116 will never be out of place.

2. Hope is a thing with feathers

Emily Dickenson captures the hope and happiness that a marriage can bring with this poem.

“Hope is the thing with feathers that perches in the soul, and sings the tune without the words, and never stops at all…” This poem captures brides and grooms feel on their wedding day.

Wrap up

The right reading will set the mood for your wedding. Readings can move people to tears of happiness or bring some light-hearted relief. Let these examples inspire you to find a reading that suits your wedding.

Categories
Resources

4 Australian winter wedding destinations

Having your wedding during the cooler months may seem odd at first, but if you’re looking to host a unique and unforgettable wedding, then winter is your winning month. It can also be a lot cheaper to host your wedding in the winter-time, as it avoids peak season, and that means you’ll probably have more flexibility and freedom when it comes to hiring the best professionals in the business.

A winter wedding can be a magical event / Source: Peter J de Vries Celebrant

While Australia is known for its heat and a glistening endless coastline, there are four beautiful alpine resorts that are picture perfect to host your winter wedding:

1. Thredbo, NSW

Thredbo is set 500km west of Sydney, and depicts a European-style ski village. The Denman is a hotel that boasts 4 stars, 33 rooms and a 55 seat restaurant, along with a day spa and cocktail bar, and acts as the perfect venue to get hitched in winter. It’s perfect if you’d prefer a more intimate affair, and the hotel provides wedding packages too.

2. Charlotte Pass, NSW

Charlotte Pass is Australia’s highest village, and is found within the Mt Kosciuszko National Park. During winter months, the village is completely covered in snow and is amongst one of the quieter ski resorts in Australia. The Kosciuszko Chalet Hotel boasts the aesthetics of a medieval castle and provides sweeping views of the Charlotte Pass village. The chalet can accommodate for up to 120 guests, and provides a restaurant that can host 35 people and an inner lounge space for 85 people.

3. Falls Creek, VIC

Source: Jason Robins Photography

Falls Creek is located 350km east of Melbourne and is at the base of Mount Beauty in Alpine National Park. Falls Creek is a fully serviced resort that offers a selection of restaurants, hotels and nightlife. The Quay West Resort & Spa is an apartment-style property, providing an uninterrupted, breathtaking view of the mountains from 63 luxury suites, a five-room day spa and four different venues available for private hire that can accommodate 20 to 100 seated guests.

4. Mount Buller, VIC

Only a three hour drive from Melbourne, Mount Buller has Victoria’s largest ski resort. There’s a range of accommodation to choose, from simple dorms and lodges to luxurious and opulent retreats such as the Mount Buller Chalet; containing 61 rooms and penthouse suites, a day spa and a restaurant area that can seat up to 150 people.

Winter wedding ideas

There’s a certain charm in having a winter wedding. It can be a magical experience with cosy and decorative touches that are unique to the colder seasons.

Traditionally, wedding flowers boast bright florals and decorations but for a winter wedding, there’s charm in holding a bouquet of earthy florals with unique colours such as rich reds, leafy greens, muted greys and warm oranges.

Opt for warm, wintry tones in your decor and florals for a winter wedding / Source: Shutterstock

A simple string of fern can add an elegant touch to a wedding invitation and pinecones tied to a gold ribbon can hang off the back of guests’ chairs or complement the candles on your wedding table. You can also bring some light to the decor with fairy lights.

wedding-2.2

Wrap up

Planning for your wedding to take place in winter doesn’t have to be dreary or dull, quite like the weather. Venturing to these alpine resorts will assure a unique wedding that will make the day even more special and memorable.

Categories
Resources

Australian wedding costs 2021

The highly anticipated wedding of Prince Harry and Meghan Markle is estimated to have cost the Royal Family a staggering $58.3 million. Whilst it’s unlikely you have the budget of the Windsors, you can still make your wedding a royal success through some careful planning and research.

Here, we’ll breakdown the average cost of a wedding in Australia, and look at what’s trending for those looking to tie the knot.

Total wedding cost

The average wedding cost in Australia is around $51,000. The average cost of wedding venue hire is around $13,000, making it the highest cost in the overall budget. Finding the wedding venue is one of the first steps in the wedding planning process and due to popular venues being booked up far in advance, should be locked in around 12-18 months prior to the date of the ceremony.

Venue hire typically is the highest cost in the overall wedding budget / Source: Facial Beauty

Wedding dress

The next biggest expenditure is of course the dress, coming in at an average cost of $5,180. Many bride’s are now taking Ms. Markle’s lead and opting for two dresses; changing out of their traditional ball gown style dress for the ceremony to a more fun cocktail style dress for the reception. Brides are also going for less traditional dresses, coloured dresses such as, blush pink, mauve and rose gold being popular choices. Dresses with statement design features such as pockets, large bows and middle splits are also big in 2021.

Catering

The average Aussie wedding has 96 guests, with $9,000 being the typical amount spent on food and alcohol. Depending on your personal tastes and theme of your wedding, there are many different catering options you can choose from. Aside from the traditional three course meal, food stations serving quick bites like sushi, pizza, tacos and mini burgers are becoming increasingly popular, these work great if you have a large guest list and want to achieve a buzzy, social atmosphere at your reception.

Other popular trends include desert and cocktail bar setups where guests can make their own cocktails and lolly goody-bags. For country style weddings eco-menus are very in vogue, focusing on seasonal, organic and locally produced food served family style.

Photography

Wedding photographers typically spend around 8 hours capturing all of the magical moments from the day. Hiring a reputable photographer can cost around $2,600 on average, it’s important to hire a photographer that specialises in the style of imagery that you want to achieve, after all these are memories that you will want to hold onto forever. Natural and candid looking photos are popular in 2021.

Natural, candid wedding photography is the most popular style / Source: Little Glimpses

Hair & makeup

Brides typically spend 60-90 minutes getting ‘wedding-ready’ with the help of a professional hair and makeup artist. In 2017 Pinterest recorded a 1247% increase in searches for bridal ‘messy updo’ hairstyles, indicating that Australian brides are preferring a more natural, romantic look than in years gone by. Dramatic eyelashes and glossy lips are the look brides want in 2021.

Entertainment

The average cost of hiring a DJ or wedding band is around $1,600, with Ed Sheeran’s ‘Thinking out loud’ being the top first dance song choice for Aussie newlyweds. Other popular entertainment add-ons include photo booths, magicians and live caricaturists.

Transport

Vintage, classic cars like Rolls Royce and Bentley are the most choice of wedding transportation. Costs for wedding car hire is typically around the $830 mark but is dependent on the amount of cars needed in the fleet.

Contact local wedding planners

Flowers

2021 is the year of wearable florals with delicate, jewellry-like floral headpieces being very on trend. Seasonal bouquets made up of wild arrangements of bold colours and greenery are very popular, for that just picked fresh from the garden look. Hanging floral arrangements and floral ceremony arches are also in demand in 2021. Couples spend on average $1,500 on wedding flowers, however this number can significantly increase for elaborate, large scale floral interior decorations.

Whatever your budget is Oneflare have access to expert wedding service providers, from wedding planners, photographers, celebrants, hair and makeup artists, florists, DJs and transport specialists.

Categories
Reception

The order of wedding speeches

Wedding speeches give family members and friends the opportunity to share their thoughts on the couple. Speakers often narrate interesting and humorous stories about the couple’s relationship and lighten the environment at the wedding. These speeches are an important aspect of the wedding format and most guests look forward to it.

When you plan your wedding, you need to plan the order of wedding speeches as well. You need to give the speakers enough time to say what they want to. You also need to plan the order carefully to ensure no one feels slighted and your guests are entertained rather than bored. We have some tips and suggestions to help you come up with the right plan.

You can choose to follow the traditional order of speeches for your wedding, or customise it to suit you / Source: Marry Us Gary

Traditional wedding speech order

This traditional wedding order is safe, predictable, and easy to implement. You don’t need to think about where the speeches and toasts will fit in because everyone speaks at the right time and for a good reason. Traditional wedding speech order includes:

  1. The Master of Ceremonies – The MC conducts and directs all the entertainment during the wedding reception so they’re usually the first to speak. They welcome everyone to the reception and introduce themselves to the guests. They then introduce the bridal party before introducing the new bride and groom with enthusiasm and happiness. Based on the order of your wedding, the MC will introduce the father of the bride and prompt him to speak.
  2. The father of the bride – The father of the bride takes up the host’s position and speaks just before dinner is set to start and when everyone has settled into their seats. He will introduce the groom, his family, welcome the guests and talk about his daughter and her partner, before offering a toast. After this speech is over, the food is served and guests can indulge in conversation.
  3. The groom – The groom is next in line and his speech comes after everyone has finished eating dinner. The groom’s speech is usually a response to the father’s speech. He can thank the father, the hosts and the guests. Then say a few words about his new bride and toast to the bridesmaids and groomsmen.
  4. Best man – At this point, the best man responds to the toast from the groom on behalf of the bridal party. He then toasts to the bride’s parents.
  5. Bride’s father – The bride’s father will speak again in response to the best man and then toast to the groom’s parents and family. You can include anyone you feel is important to the groom in this toast.
  6. Response from the groom’s parents – The groom’s father will respond to the bride’s father’s toast with a few words of his own and a small speech about his son and new daughter in law.

After this, the MC can read messages and letters sent by people who couldn’t be present at the wedding but wanted their voices to be heard. You can even create a presentation and show these messages instead of reading them.

Non-traditional wedding speech order

You don’t have to stick with tradition if you don’t want to. For example, if the bride’s father can’t speak or the bridesmaid wants to speak, you can alter the format of the event accordingly. Here’s what you can do:

  1. Choose the MC – You don’t need to hire an MC but it’s a good idea to have someone organise the events of the reception and keep things on track. You can choose a friend or family member to act as an MC for the event. Just ensure they have a welcoming personality and can comfortably communicate with the crowd.
  2. Choose the host speaker – The host speaker doesn’t always have to be the bride’s father. It can be the bride’s mother, the groom’s father or anyone the bride considers an important part of her family. The host speaker can thank the guests, the families of the bride and groom, the bridesmaids and groomsmen, and share some interesting stories about the couple.
  3. The bride and groom – At this point, both the bride and the groom can speak about each other, about their relationship, their families and their friends. They can toast to each other and show appreciation for each other through their speech. They can also toast their parents and those who supported them throughout their relationship.
  4. Response – The people who were thanked during the speech can respond after the bride and groom have finished speaking. This can also be the closing speech where the MC thanks everyone for coming to the wedding and supporting the couple.

Contact local wedding planners

Things to keep in mind

There are a number of things you should keep in mind before you plan the speaking order and make the needed arrangements.

  1. Verify that people actually want to speak – Some people are uncomfortable speaking to large crowds and will only speak at your wedding if they’re forced to. Try to avoid this by asking people if they’re willing to speak at your wedding before you make your plans.
  2. Hire a professional MC – We mentioned before that you don’t need to hire a professional MC to conduct the event but there are some distinct advantages to taking that step. A professional MC understands how to keep audiences engaged with humour and wit. They’ll also help you arrange the order and prepare the speeches if needed.
  3. Keep room for some flexibility – These speeches can sometimes become spontaneous conversations, so it’s a good idea to ensure the order is flexible and allows people to interact. This is especially true for casual weddings where everyone knows one another.
  4. Set a time – Allot some time for every speech and let the speakers know. This will help them prepare the speech and ensure it doesn’t exceed the time limit.

Consider your entire wedding format carefully and determine where you want to fit the toasts and wedding speeches in. You can also ask a professional wedding planner or people with experience with weddings to help you plan the format.

Categories
Finance

How to do a Tax Return in Australia

We’ve reached that time of the year when the ATO (Australian Taxation Office) and accountants begin getting ready for the slew of calculations they will be handling as people across the country lodge their tax returns. The cost of having a registered Tax Accountant lodge your tax return on your behalf can vary. If you prefer to prepare your own tax return there are quite a few things you will have to remember.

Before we take a detailed look at how to complete your tax return, here is some basic information you should be aware of:

  1. Your tax return for any particular year (eg: 2020) is for all income earned from 1 July 2019 to 30 June 2020.
  2. The tax return for 2020 will be available in June 2020, with lodgement available from 1 July 2020.
  3. If you’ve missed any tax returns for previous years, you must complete them as soon as possible to avoid any fines from the ATO.
  4. Since most of us are now working from home due to COVID-19, the ATO has introduced a new method to calculate your expenses working from home called the Shortcut Method. Find out more about the Shortcut Method in our guide explaining How to Lodge a Tax Return if You’re Working from Home.

How to do your tax return online

As an individual doing their own taxes, you may have several questions. Here are some useful tips on how to do your taxes online:

Gather your paperwork

Before you lodge your tax return you need to gather all relevant information and paperwork to ensure it will be accurate. You will notice that the ATO pre-fills certain information from superannuation funds, Centrelink and banks in your online form. However, it is recommended that you check the accuracy of this pre-filled information. Some of the documents you require for your 2017 tax return include:

Your income

  1. Payment summaries – These record the income you’ve received from superannuation funds, an employer, or any government agencies such as the Department of Veteran’s Affairs or Centrelink.
  2. Bank statements – These will detail the interest you may have earned over the past financial year.
  3. Shares, managed funds or unit trusts statements – These will be required to calculate any dividends or distributions made to you.
  4. Statements of buy and sell investments – You can acquire these from your stockbroker or investment advisor if you purchased or sold any shares.
  5. Records from rental properties– This has information relating to either a capital gain or capital loss from the sale of any property.
  6. Foreign income details – All details of foreign pensions or any other form of foreign income will be required.

Your expenses

  1. Statement of your private health insurance policy – This will be required to complete the tax return section that requires information about your private health insurance. See more information below.
  2. Donation receipts – These are needed from all the approved charities you make contributions to.
  3. Educational receipts and records – Not every expense is claimable, refer to the self-education expenses page on the ATO site for additional information.
  4. Investment property receipts – These will be required to claim the maintenance and repairs costs on any investment property you own.
  5. Your spouse’s income and expenses – If you have a spouse, you will require details of their income as well as their expenses to ensure your entitlements are correctly calculated.
  6. Union membership – The cost of your union membership can be deducted from your taxable income amount.
  7. Work-related expenses – You might be eligible to claim certain work-related expenses.

Medicare levy and private health insurance rebate

From 1 July 2015, income thresholds used while calculating the Medicare levy surcharge and the private health insurance rebate have been frozen for three years at 2014-15 levels. If there is an increase in your income, you may move into the next threshold for the private health insurance rebate. This may mean a few things:

  1. If you have private health insurance, there may be a decrease in your rebate entitlement.
  2. If you don’t have the required level of private health insurance, you may have to pay the Medicare levy.
  3. If you paid the Medicare levy surcharge payment last year, there could be an increase in the levy you pay in 2017.
  4. If you’ve received an increase in pay, contact your health insurance provider to make sure the appropriate rebate is applied. You will be able to find more detailed information about income thresholds for private health insurance on the ATO’s website.

Claim your deductions

You may be eligible to claim income tax deductions for certain job-related costs; the expenses must meet these criteria:

  1. Relevant – The expenses must be job-related.
  2. Real – The money spent must have been your own and has not been reimbursed.
  3. Recorded – You must have records such as receipts as evidence of the job-related cost.

You will find more details on the ATO website about how you can claim work-related expenses.

MyDeductions

Tax Return Australia - MyDeductions
Source: Australian Taxation Office

The myDeductions tool on the ATO app can be used to help you keep track of all your deductions. Using this tool, you can:

  • Record all work-related expenses
  • Store photos of receipts
  • Record gifts and donations
  • Track car trips

NB: myDeductions isn’t for small business owners. It’s only for those claiming various work-related expenses as employees. With effect from 1 July 2016, these deductions can be pre-filled on your online tax return via the app. Alternatively, you can share this information with your tax agent.

How to track my tax return

To lodge your tax return online, you need to ensure you have a MyGov account (this can be easily created if you do not yet have one). This account will have to be linked to the ATO. Once you have completed the process and lodged your tax return, you should check your MyGov inbox for the tax receipt and your notice of assessment.

If you are planning to use a professional to handle your tax returns, make sure the tax agent is registered. You can check the agent’s registration status via the online tax and BAS (Business Activity Statements) agent register.