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[av_heading heading=’The News Brief_20200729′ tag=’h1′ style=’blockquote modern-quote modern-centered’ subheading_active=’subheading_below’ size=’6vw’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’20’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” color=’custom-color-heading’ custom_font=’#000000′ margin=’0′ margin_sync=’true’ padding=’0′ link=’manually,http://’ link_target=” id=” custom_class=” av_uid=’av-kd6imavt’ admin_preview_bg=’rgb(34, 34, 34)’][/av_heading]

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[av_heading heading=’ATO reveals biggest tax return mistakes you need to avoid’ tag=’h1′ style=” subheading_active=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” color=” custom_font=” margin=” margin_sync=’true’ padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” av_uid=’av-kd6iu5dw’ admin_preview_bg=”][/av_heading]

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Cash-strapped Aussies have rushed to file their tax affairs early this year – but if you make this one mistake, it could cost you dearly.

The Australian Taxation Office has revealed the key areas it is cracking down on this year after experiencing the busiest July 1 on record.

With the coronavirus pandemic continuing to squeeze household budgets, the start of the new financial year brought with it a spike in early tax return lodgements along with applications for the COVID-19 early release of superannuation and other government programs.

But the tax office is already noticing a few common mistakes, with assistant commissioner Karen Foat warning taxpayers to be vigilant – or face tough consequences.

“There is one particular thing we’re really focused on this year – of course, we expect working from home claims to go up, but we naturally expect other areas to go down, such as work-related travel and laundry costs,” Ms Foat told news.com.au.

“We will be looking for people who have a really big working from home claim – which might be fine – but who are still claiming a full year’s worth of work-related travel and laundry costs.

“It really does depend on circumstance but we contact over two million people every year about their claims, and that ranges from a little prompt, like ‘this is a bit high, please review’ all the way through to an audit, and the ramifications for doing the wrong thing are wide-ranging.”
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[av_heading heading=’Australia’s median rental prices plunge during COVID-19 restrictions’ tag=’h1′ style=” subheading_active=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” color=” custom_font=” margin=” margin_sync=’true’ padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” av_uid=’av-kd6izt8v’ admin_preview_bg=”][/av_heading]

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Australia’s median rent price has been shellshocked by COVID-19, dropping half a per cent in three months and reversing almost two years of straight growth.

New data from property research firm CoreLogic shows that in the June Quarter national rents fell by 0.5 per cent, marking the largest quarterly drop since September 2018.

When separated by location, capital city rental prices were hit hardest dropping by 0.7 per cent compared to just 0.2 per cent in regional centres.

“Closed international borders created a significant shock to rental demand, as historically the majority of new migrants to Australia have been renters,” said Ms Owen.

“Furthermore, job losses in sectors such as hospitality, tourism and the arts, which ABS payroll data estimates has been around 20 per cent, have also impacted demand, because households in these sectors are more likely to rent than in other industries.”

The data revealed Hobart – which is predominantly composed of houses for rent as opposed to units – suffered the most during the pandemic.

“COVID-19 has pivoted the trajectory of rental market performance, with six of the capital city dwelling markets seeing a quarterly decline in rental values,” CoreLogic noted in its report.

“The Hobart rent market had the largest value falls in the June quarter at 2.3 per cent, followed by Sydney at 1.3 per cent.”

The researchers noted that in the midst of tighter rents a small upside for landlords was the ability to better negotiate a saving on their mortgages.

“One positive for landlords is that mortgage rates are settling to a new record low, as the RBA set the cash rate to an effective lower bound of 0.25 per cent in late March,” CoreLogic noted.

“The cash rate is expected to stay at this record low for years to come, until the unemployment rate reflects full employment, and inflation is comfortably within a 2-3 per cent target band.

“As a result, average new mortgage rates reported by the RBA hit a new record low in May, at 3.15 per cent.”

AUSTRALIA’S MEDIAN RENTAL PRICES JUNE 2020*

City: Quarterly change: Median rent per week:
Sydney – 1.3 per cent $568
Melbourne – 1.0 per cent $453
Brisbane – 0.6 per cent $439
Adelaide + 0.1 per cent $397
Perth + 0.9 per cent $396
Hobart – 2.3 per cent $454
Darwin – 0.1 per cent $442
Canberra – 0.4 per cent $566
National – 0.5 per cent $441

*CoreLogic data, includes both units and houses.
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Treasurer defends phased withdrawal of JobKeeper and lower rates for part-timers

Josh Frydenberg has defended the phased withdrawal of wage subsidies and lower rates of JobKeeper for part-time workers after the Treasury cautioned against the move and the Greens released an analysis showing it will hit women hardest.

The treasurer told ABC’s Insiders on Sunday the lower tier of JobKeeper will pay part-time workers closer to their pre-Covid income and also confirmed the government is “very favourably disposed” to extending the coronavirus supplement for JobSeekers beyond December.

Under changes announced on Tuesday, the fortnightly JobKeeper payment will shrink to $1,200 a fortnight from September to January then $1,000 from January to March, with lower rates of $750 and $650 to apply to those who worked less than 20 hours a week in February.

JobKeeper and JobSeeker payment: what do the changes mean for recipients?

Frydenberg said the government had opted to gradually reduce rates and require businesses to reapply after September because the economy is “starting to recover, and in transition” outside Victoria, which is in the grip of a second wave of coronavirus infections.

“Ultimately, this is a program that at $11bn [a month] cannot be continued,” he said.

Addressing concerns of the Reserve Bank, Frydenberg insisted that the government was “not withdrawing support” but rather had extended JobKeeper beyond its original six-month legislated lifespan.

According to a parliamentary library analysis for the Greens, released on Sunday, women would be hit hardest because 22% of women on JobKeeper work fewer than 20 hours a week compared with 10.6% of men receiving the wage subsidy.

Labor has argued for months that JobKeeper overpaid workers who normally earn less than $1,500 a fortnight by providing a flat-rate payment.

Frydenberg told Insiders the two-tiered payment “better reflects what the pre-Covid income of the people who are receiving the JobKeeper payment is”.

“What the [Treasury] review found was that women were receiving the JobKeeper payment in a larger proportion than they were as a proportion of the overall private-sector workforce,” Frydenberg said.

“And at the same time, what we’ve seen in the most recent job numbers [is] that 60% of the 210,000 jobs that were created in the month of June were women.”

In its review, Treasury urged caution on cutting JobKeeper for part-time workers, concluding it was “not clear that the net benefit of these changes would be positive for such a time-limited program” and also warned it might be “unfair” to use February as a reference month because the bushfires were affecting many businesses at the time.

Frydenberg said the tax commissioner would have “discretion” to use another month to judge normal work hours, and would issue guidance to employers so that people on leave or fighting bushfires in February were not disadvantaged.

According to the treasurer, the review found you “absolutely can” move to a two-tiered payment and Treasury “haven’t counselled against” it.

Frydenbeg revealed that about 975,000 of the 3.5 million people on JobKeeper are employed in Victoria. Treasury estimates that three-quarters of those (about 730,000) will continue to receive the payment after September, meaning Victorians will make up “roughly half” of the projected 1.5 million recipients.

Although the official unemployment rate is rising, the treasurer said the effective rate – which includes people performing zero hours of work and discouraged jobseekers – is 11.3% and trending downwards, and the Treasury believes it will match the official rate of 9.25% in the December quarter.

From September the $550 fortnightly coronavirus supplement will be cut to $250, a move estimated to throw 370,000 Australians into poverty, and then cut out in December, although Scott Morrison has signalled willingness to extend it further.

Frydenberg said the government had “given ourselves the flexibility to assess the future of JobSeeker [and the] coronavirus supplement, closer to the end of the year”.

“It means we’re favourably disposed to continuing it, but we’ve got to do an assessment of where the jobs market is at that time.”

The government will aim to get the balance right between a safety net to “cushion the blow” of unemployment and “incentives for people to return to work”.

Frydenberg defended plans to extend industrial relations powers for employers to cut workers’ hours even when the business was no longer eligible for JobKeeper.

He said changes must be “reasonable” and involve consultation with workers, and argued that there had been few disputes over employers’ uses of such powers during the pandemic.

Businesses with a 20% downturn in revenue may “no longer be eligible for JobKeeper but don’t think that they’re not doing it tough”, he said.

Although “reform is not an end in itself”, the government was pursuing “deregulation” to industrial relations and skills policy to create jobs and changes to energy policy to reduce prices.

Can we now have a less brain-dead conversation about debt and deficit?

Frydenberg defended his comments at the National Press Club on Friday about drawing inspiration from Margaret Thatcher and Ronald Reagan, arguing that Thatcher must have been “doing something right by the people of Britain” because she was in office for 11 and a half years and Reagan “cut taxes, cut red tape, and created 20 million new jobs”.

“Thatcher and Reagan are figures of hate for the left because they were so successful,” he said. “One got two terms, which was the maximum that you can get in the United States. Margaret Thatcher got 11 and a half years.

“You take inspiration from lots of different sources. I also take it from [John] Howard and [Peter] Costello. But the reality is that Thatcher and Reagan cut red tape and cut taxes and delivered stronger economies.”

Labor’s shadow treasurer, Jim Chalmers, said Frydenberg “thinks the solution to this jobs crisis is to double-down on trickle down economics, harsher industrial relations and even more job insecurity”.

“This bizarre mini-Maggie approach to the economy will make a difficult situation even worse,” he told reporters in Brisbane.
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[av_heading heading=’Open Banking: what you need to know’ tag=’h1′ style=” subheading_active=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” color=” custom_font=” margin=” margin_sync=’true’ padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” av_uid=’av-kd6j6btk’ admin_preview_bg=”][/av_heading]

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What is it?

Open banking began on July 1st and is essentially a new and improved method of providing and sharing your financial data freely between multiple banks or institutions.

 Consumer Advantages – The Rundown

Things you should know

Open banking is something that’s about to change the banking and finance industry for the better!
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Sources: news.com.au, 9News, The Guardian, CoreLogic and ATO
Disclaimer: This is general information only and is subject to change at any time. Your complete financial situation will need to be assessed before acceptance of any proposal or product. The Content provided herein has been prepared for informational purposes only. The Content does not constitute tax, legal or accounting advice and should not be relied upon as such. You should seek tax, legal or accounting advice before acting or relying on any Content.

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