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  • October 31, 2014
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  1. Business - Money - ASK MELANIE

    Ask Melanie: How to avoid falling off your own fiscal cliff

    Posted Dec 31st 2012, 12:00am by Melanie Nutbeam

    ... or spending plan. Use a spreadsheet or Word document to list all monthly income and expenses. Tax payments, rent or mortgage repayments, utilities, domestic help, food and groceries, school fees, ... keep separate spreadsheets of income and outflows for each investment. If, for example, you have an investment property, record rental income and subtract all outflows for the property (for ...

  2. Business - Money - ASK MELANIE

    Rules shift on Australian pensions, assets

    Posted Jun 03rd 2013, 12:00am by Melanie Nutbeam

    ... surprises. Most of the proposals, which may or may not pass into law, had already been announced. The greatest controversy raged around renewed fiddling with the retirement income (superannuation) ... to restrict concessional contributions based on account balances, but it confirmed its 2012 budget plan to effectively double the tax on concessional super contributions for those with annual income ...

  3. Business - Money - ASK MELANIE

    Making a cautious case for insurance-linked annuity plans

    Posted Nov 05th 2012, 12:00am by Melanie Nutbeam

    ... of income in retirement. I could add a bit more each month, but my adviser suggests using the extra savings to buy a lifetime annuity instead. What are your thoughts on this? Your current arrangements assume you can manage your retirement portfolio to provide income and capital to last your lifetime. Most people attempt this through a combination of timed withdrawal of income yield ...

  4. Business - Money - ASK MELANIE

    Break free from foreign tax shackles and embrace Hong Kong's low rate

    Posted Mar 25th 2013, 12:00am by Melanie Nutbeam

    ... elsewhere, it is only income and gains on assets left behind that might be subject to tax there. For those assets left behind, out of sight is not out of mind. File any required home tax returns each ... are only taxed on income earned in the SAR, not elsewhere. Income tax, at a maximum of 15 per cent, is strikingly modest. Added to that is the delight of completing a Hong Kong salaries tax return ...

  5. Business - Money - ASK MELANIE

    Ask Melanie: Tax loans

    Posted Nov 12th 2012, 12:00am by Melanie Nutbeam

    ... open to all taxpayers. You estimate how much tax is payable on your income and buy tax credits as you earn through autopay, by telephone, internet or ATM. Autopay is ideal for those receiving regular income. Those receiving irregular income might use autopay to cover average base income per month or per quarter, with top-ups each time lump sums are earned. TRCs credited to your account ...

  6. Business - Money - ASK MELANIE

    How is financial planning different for women?

    Posted Mar 04th 2013, 12:00am by Melanie Nutbeam

    ... and cultural disparity also affect their income. Timed for International Women's Day on Friday, the Civic Exchange has issued three reports profiling women from 15 to 60 years. The report notes ... in the private, public and academic sectors. Income differentials between twenty- and thirty-something men and women decline but do not disappear, perhaps as a result of gender-driven occupational ...

  7. Business - Money - ASK MELANIE

    Calling all retiring types: make sure your superannuation fund stays super

    Posted Feb 04th 2013, 12:00am by Melanie Nutbeam

    ... don't pay as much tax when we're there? Yes, transferring retirement capital to a superannuation fund can be a highly effective strategy for anyone retiring to Australia. Income tax rates ... achieve within the fund will be determined by returns on your investment choices and the costs of running the fund. Income and gains from investment of your capital will be taxed within the fund ...

  8. Business - Money - ASK MELANIE

    Ask Melanie: Can you retire on HK$10m?

    Posted Oct 15th 2012, 12:00am by Melanie Nutbeam

    ... per cent). We own our home and have no debt. We want to generate cash income of HK$400,000 per year. Is this a realistic target and how might we improve our returns? (Name withheld) ... are higher than for shares and bonds: you need to factor maintenance and management fees into the property's contribution to your target income. With your four A-rated bonds, annual returns ...

  9. Business - Money - ASK MELANIE

    Prospect of property slump adds to risk

    Posted May 20th 2013, 12:00am by Melanie Nutbeam

    ... the property appreciates by the time you want to repay your loan. Finally, as you are buying overseas, if you are planning to use rental income from the offshore property to support your Hong Kong ...

  10. Business - Money - ASK MELANIE

    A bird in the hand may cost you a flock

    Posted Apr 29th 2013, 12:00am by Melanie Nutbeam

    ... rates but not buyer's stamp duty. On a HK$10 million property you save HK$1.5 million. In both cases you can claim allowances against rental income for property outgoings without detailed ...




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