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# pmwPlus

pmwPlus

## Sitemaps

- [XML Sitemap](https://pmwplus.com.au/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://pmwplus.com.au/blog/)
- [Superannuation changes – before 30 June 2017.](https://pmwplus.com.au/superannuation-changes-before-30-june-2017/) - Recently we’ve seen some major changes to many areas of superannuation. Most of the changes are effective from July 1st, however there are some changes that need to be considered and acted on before 30th June 2017. The biggest change is the tax exempt pension which will now be capped at $1.6M, from 1st July
- [Get a head start on your business and investment planning this tax season](https://pmwplus.com.au/get-a-head-start-on-your-business-and-investment-planning-this-tax-season/) - With the end of the 2017 financial year fast approaching, it’s time to take a closer look at your business and investments for the tax season. The ups and downs of your business success, your future plans and legislative changes throughout the year can all have an affect on your tax at the end
- [EOFY Superannuation Tax Strategies](https://pmwplus.com.au/eofy-superannuation-tax-strategies/) - At this End of the Financial Year, there are a number of smart strategies you could consider to effectively reduce your individual tax liability. Superannuation is a sometimes complicated topic, with ongoing legislation changes, we encourage you to discuss these ideas with your PMW Advisor before making any decisions. Contact us for more information or
- [EOFY18 Tax Return Tips](https://pmwplus.com.au/eofy18-tax-return-tips/) - EOFY18. The 2018 tax year has just finished and regulatory reporting is just beginning with tax returns, financial statements, payroll tax and more. At PMW we're looking forward to getting all that sorted for you. This is a big post dedicated to getting you organised and on your way. Completing your records Receipts and recording Every claim, every
- [Drought Relief Assistance](https://pmwplus.com.au/drought-relief-assistance/) - Emergency Drought Relief Assistance The NSW Government has announced a $500 million Emergency Drought Relief Package to help farmers manage the effects of the current drought. Below is a summary of the assistance available and some links to further information. The three major elements of the $500 million Emergency Drought Relief Package are: $190
- [If you pay wages, are you Single Touch Payroll ready?](https://pmwplus.com.au/if-you-pay-wages-are-you-single-touch-payroll-ready/) - We're here to help! All businesses with one or more employees, no matter the size, must report their employees’ tax and super information to the ATO through a digital reporting system known as Single Touch Payroll (“STP”), reporting from 1 July 2019. Recording from our STP webinar on Thursday 21st March, 2019 STP effectively
- [2019-2020 Federal Budget - what might it mean for your personal finances](https://pmwplus.com.au/2019-2020-federal-budget-what-does-it-mean-for-your-personal-finances/) - Here’s a breakdown of what you need to know about the 2019-2020 Federal Budget impact on your personal finances On Tuesday 2 April, the Federal Government handed down its Budget for the 2019-2020 financial year. This is the first Budget delivered by Treasurer Josh Frydenberg and will be the final Budget before the next
- [Cutting through the 2019-2020 Budget fog](https://pmwplus.com.au/cutting-through-the-2019-2020-budget-fog/) - Understanding how the 2019-2020 budget really impacts us By Weston Ryan, Principal at Pigot Miller Wilson Let’s take a breath. Despite being bombarded with the heavy artillery of Budget articles and commentary generated from the release of the 2019-2020 Federal Budget last night, let’s pause a moment. Budget night is not too relevant to
- [10 Ways to Protect Your Business from Online Threats](https://pmwplus.com.au/10-ways-to-protect-your-business-from-online-threats/) - Businesses of all sizes are under constant threat from cybercriminals and malicious software, with even some of the world's largest and apparently impenetrable organizations making headlines in recent years after falling victims to cyberattacks. Although the risk is generally lower for smaller companies, since they don't tend to be primary targets for hackers, it is
- [Tax tips for new business owners](https://pmwplus.com.au/tax-tips-for-new-business-owners/) - Want to avoid paying more than you should come tax time? Or a frantic last minute search for missing financial records? New business owners have a lot on their plate, and can easily lose track of an approaching tax deadline or financial data needed to submit their return. Organization is key when preparing for tax
- [How to network with local business owners](https://pmwplus.com.au/how-to-network-with-local-business-owners/) - Making a few good local business connections can go a long way helping your business grow. Networking can spark mutually beneficial partnerships, lead to new opportunities, and attract more customers through word of mouth. In the age of social media, small business owners may think networking isn’t as valuable as it used to be. On
- [Tips for choosing a business credit card](https://pmwplus.com.au/tips-for-choosing-a-business-credit-card/) - It can be a challenge for new business owners to find a bank that will approve them for even a small business loan. Most will see a young company as too high a risk to qualify for corporate lending. A credit card can serve as a short term solution for small scale financing, offering entrepreneurs
- [How to learn from failure in business](https://pmwplus.com.au/how-to-learn-from-failure-in-business/) - Ask any successful entrepreneur about their path to greatness and you’ll get the same answer: failure is an inevitable part of the journey. It took Thomas Edison 1,000 failed attempts before he finally invented the light bulb. Tim Ferris received 25 rejections before his bestselling book, “The 4 Hour Workweek” was finally published and sold
- [Tips for choosing a small business bank](https://pmwplus.com.au/tips-for-choosing-a-small-business-bank/) - Finding the right bank to serve your small business needs can be a daunting task. With so many competing financial institutions to choose from, business owners simply don’t have the time for the in-depth research required to carefully weigh all the options. This guide to choosing a small business bank will help you narrow down
- [What is financial planning?](https://pmwplus.com.au/what-is-financial-planning/) - To many people, financial planning sounds like something for the very rich. The wealthiest people take their piles of money to someone who tells them where to invest it so they can make even more money. The rest of us just focus on saving what we can while paying off debt and hoping we don't
- [Essential Tips to Help You Sell Your House Quickly](https://pmwplus.com.au/essential-tips-to-help-you-sell-your-house-quickly/) - Once you've made the decision to sell your home, chances are you'd like to do it as soon as possible. While some houses sell almost as quickly as they hit the market, others sit for a considerable amount of time without generating any offers from prospective buyers. Fortunately, there are several steps that you can
- [8 easy ways to promote events online](https://pmwplus.com.au/8-easy-ways-to-promote-events-online/) - Online marketing tools make it inexpensive and easy to promote your events online. If you want to expand your business and offer webinars or offline events, these eight tools will create online buzz about your event to a worldwide audience. When interacting with people on the Internet, remember to always act in a polite and
- [Using KPIs to monitor and improve business performance](https://pmwplus.com.au/using-kpis-to-monitor-and-improve-business-performance/) - The key performance indicators (KPIs) for one company will invariably be different from the KPIs of another firm. What both hypothetical companies share however, is the challenge of selecting which KPIs are best suited for measuring the goals and progress of their particular business model. Indeed, entrepreneurs have a vast array of reports and data
- [Efficient business systems really pay off](https://pmwplus.com.au/efficient-business-systems-really-pay-off/) - Too many businesses fall over because the owner has not established efficient business systems. This typically happens because the business owner is so caught up in the day-to day running of the business that the fundamentals of good business management get forgotten. Often too it must be said that the owner simply doesn’t like bookkeeping
- [Tips to Keep Your Business Finances in Order](https://pmwplus.com.au/tips-to-keep-your-business-finances-in-order/) - If you’re like most small business owners, you spend the majority of your time managing daily operations, keeping customers happy, and looking for new ways to grow. Spreadsheets, cash flow analysis, and financial projections are probably not your first passion. However, measuring profitability, creating realistic budgets, and planning ahead for the future are crucial to
- [Strengthening your balance sheet](https://pmwplus.com.au/strengthening-your-balance-sheet/) - Your balance sheet (now more correctly called a Statement of Financial Position) reveals a great deal about your business, including the total value of your assets – the things you own; how much you owe to others – your liabilities; and the level of your solvency. These three aspects will be studied carefully by lenders
- [What to Look For In A Payment Management System](https://pmwplus.com.au/what-to-look-for-in-a-payment-management-system/) - Quick and efficient payment options benefit both small business owners and their customers. Consumers are used to flexibility – cash, check or charge? – when buying from large retailers. If you’re a cash-or-check only operation, consider how many sales you may be losing – and how your business would grow if your customers could pay
- [How to Avoid Costly Inventory Problems](https://pmwplus.com.au/how-to-avoid-costly-inventory-problems/) - Inventory is the lifeblood of your business. It is the largest asset on your balance sheet and your company's biggest revenue-generator. It goes without saying that poorly managed inventory can do serious damage to your bottom line. Businesses without clear strategies for streamlining the in and out flow of goods will have trouble meeting their
- [The three most important financial reports](https://pmwplus.com.au/the-three-most-important-financial-reports/) - While many small business owners prefer brainstorming new ideas to pouring over financial reports, getting a handle on financial analysis can be remarkably empowering. Taking the time to regularly review financial statements can help you assess and improve current performance, avoid risk and make scalable plans for future growth. Protect your company’s financial health by
- [Advantages of digital signing](https://pmwplus.com.au/advantages-of-digital-signing/) - Electronic signature software offers small business a number of time and cost-saving benefits. If you’ve considered going paperless but haven’t yet made the plunge, here are 6 excellent reasons to start using digital signatures today. 1.Get paid faster Digital signatures make it easy to close a sale on the spot, turn around contracts faster, and
- [Wealth the Warren Buffett way – a short guide to value investing](https://pmwplus.com.au/wealth-the-warren-buffett-way-a-short-guide-to-value-investing/) - Value investing is the stock selection strategy famously used by business magnate and third wealthiest person in the world, Warren Buffett, whose total net worth exceeds $91.5 billion. Developed in the 1930s by Columbia University professor and economist, Ben Graham, value investing involves screening securities to find stocks undervalued relative to peers and the market.
- [Should you bill by the hour or offer fixed rate packages?](https://pmwplus.com.au/should-you-bill-by-the-hour-or-offer-fixed-rate-packages/) - If you’re like most freelancers, knowing how to price your services can be a real struggle. Charging an hourly rate can feel less scary than asking for a higher priced fixed rate package because you know you’ll be compensated for every hour you spend on a project. But there are drawbacks to trading time for
- [Do you know your break-even point?](https://pmwplus.com.au/do-you-know-your-break-even-point/) - All business owners need to be aware of their break-even point — that is, the number of units they need to sell in order to cover their operating costs. Once you’ve reached your break-even point, it’s time to celebrate: your business is no longer in the red, and you are officially earning a profit. This
- [Smart money tips for business owners](https://pmwplus.com.au/smart-money-tips-for-business-owners/) - Small business owners know how important it is to save money. They know that one day that dollar could come in handy, especially during slower times. Saving money is definitely important, but there are also things small business owners can - and should - spend their money on today. It might seem counterproductive to spend
- [Lean canvas – a new way to do business planning](https://pmwplus.com.au/lean-canvas-a-new-way-to-do-business-planning/) - Few business owners have extra time to devote to a lengthy business planning process. But every entrepreneur needs a solid blueprint to get their business successfully up and running. The Lean Canvas—designed by Sparks59 CEO and Running Lean author, Ash Maurya—is a simple, effective planning tool that helps entrepreneurs assess and test their ideas before
- [How to Maximize your Assets before Retirement with Tactical Investing](https://pmwplus.com.au/how-to-maximize-your-assets-before-retirement-with-tactical-investing/) - Risk tolerance, time horizon, and asset allocation - you've dealt with these factors for a good part of your life, but now, in the face of retirement, they take on a more urgent and significant role. These factors - particularly tactical asset allocation - are vital to maximizing your assets before your retire in a
- [9 Steps to Leading People Successfully through Major Organizational Change](https://pmwplus.com.au/9-steps-to-leading-people-successfully-through-major-organizational-change/) - Change in business is almost always a good thing, but often poor management means that the workforce becomes disengaged and the change process painful. In the worst cases, this results in irreparable damage being done. It doesn't need to be this way. Follow these nine steps and empower yourself to successfully lead your people through major
- [4 Tips for Getting Your Business Through Tough Times](https://pmwplus.com.au/4-tips-for-getting-your-business-through-tough-times/) - If you’re a small business owner whose company hasn’t gone through hard times, that’s great but it’s likely to happen at some point. As much as we dream about being brilliant enough at business that we’ll never face slow times, there are many things beyond our control that can negatively affect our business. Here are
- [Creating a financial plan](https://pmwplus.com.au/creating-a-financial-plan/) - Depending on the current state of your finances, financial freedom might seem a long way away. For many people, financial freedom—when you don’t have to worry about how to pay the bills and your money is invested and making money for you—is a far off dream. What they don’t understand is how close financial planning
- [Combat interest rate rises in three easy ways](https://pmwplus.com.au/combat-interest-rate-rises-in-three-easy-ways/) - Rising interest on debt can be a curse when running a small business. However, there are some quick and easy policies you can start using to combat interest rate rises. Individually, small steps can add some value to a business, but when combined they can make significant differences. Think of your business like a car
- [Finding money within your business](https://pmwplus.com.au/finding-money-within-your-business/) - Most small businesses experience cash flow problems from time to time and urgently need working capital. Many business owners immediately think of the bank or loans when they’re short of money. But there are other resources you can tap before you ask for that expensive overdraft or overdraft extension. The money you need might already
- [Is Now the Right Time to Buy a Home?](https://pmwplus.com.au/is-now-the-right-time-to-buy-a-home/) - If you've frequently been asking yourself if it's the right time to buy a home, there are several things to first consider. Three things to think about are the current market conditions, the interest rates, and the amount of available housing. Current Market The current market conditions may help you determine if it is the
- [Creating an Effective Performance Target: 7 Key Questions to Ask](https://pmwplus.com.au/creating-an-effective-performance-target-7-key-questions-to-ask/) - It's essential for any business to have a robust set of performance targets for its workforce. These will drive employees to achieve in the areas that are critical for success. Therefore, it's important to ensure that the targets are calibrated correctly in order to realise the desired results. Before introducing any new target, make sure
- [Preparing an exit strategy](https://pmwplus.com.au/preparing-an-exit-strategy/) - Research has repeatedly shown that businesses that have been prepared for the owner’s exit are significantly more likely to endure than unprepared businesses. These guidelines around an exit strategy can help your business legacy live on – and get you a satisfactory result. Preparation delivers the best results The key message to take away is
- [How Crowdfunding Can Help your Business](https://pmwplus.com.au/how-crowdfunding-can-help-your-business/) - If you haven’t been in business long, it can be tough to qualify for a loan. Lenders want to see a detailed business plan, backed by income and cash flow statements, that prove you’re a good risk. Often strict lending requirements can freeze out new businesses when they need funding the most. Crowdfunding offers an
- [Tips for keeping your business data secure](https://pmwplus.com.au/tips-for-keeping-your-business-data-secure/) - It’s no secret that data loss can be a costly nightmare for a small business, with recent estimates citing the total cost of data breaches exceeding $2.1 trillion by 2019. Unfortunately, cyber attackers increasingly target small businesses because they are less likely to have security protection in place. Accidental loss or loss due to a
- [5 Ways to Save Money for your Business](https://pmwplus.com.au/5-ways-to-save-money-for-your-business/) - Looking for simple ways to cut costs? These tips will help you make a noticeable difference to your bottom line. 1. Reduce staff costs Without a doubt, having someone to help deal with routine tasks can greatly improve productivity. The rub is that hired help is often too expensive for small business owners. Internships can
- [The importance of documenting processes and systems](https://pmwplus.com.au/the-importance-of-documenting-processes-and-systems/) - Many entrepreneurs operate with their business processes and systems in their heads. They know what they need to do each day and the way they want to get things done. Unfortunately when a business grows and staff need to be hired – or the owner needs to take time away from the business – it’s
- [How business dashboards can help you drive your business](https://pmwplus.com.au/how-business-dashboards-can-help-you-drive-your-business/) - As a business owner, you may appreciate the importance of monitoring key performance indicators but feel overwhelmed by the process—especially if you need to sign into to various applications to access a wealth of unconsolidated data. A business dashboard provides an at-a-glance view of your business intelligence, so it’s quick and easy to make sense
- [Money Saving Tips - 5 Times When Buying Used Makes Sense](https://pmwplus.com.au/money-saving-tips-5-times-when-buying-used-makes-sense/) - If you are trying to save money, switching from brand new goods to used items can make a lot of sense. Buying used does not always make sense, but exploring the pre-owned market is one of the best ways to save on many different classes of products. These 5 types of consumer goods are particularly
- [Common Homeowner's Insurance Terms That You Should Know](https://pmwplus.com.au/common-homeowners-insurance-terms-that-you-should-know/) - While homeowner's insurance isn't required by law, it is often required if you are taking out a mortgage in order to purchase your home. There are a lot of things that you need to think about when purchasing homeowner's insurance, including what types of coverage you think you need. This can be a challenging task,
- [Which home loan is right for you?](https://pmwplus.com.au/which-home-loan-is-right-for-you/) - Considering home ownership? Congratulations! Buying a home is an exciting milestone and for most people, one of the biggest investments they’ll ever make. Among the many decisions to be made along the way, you’ll need to choose the best mortgage option for your circumstances. In this blog we’ll weigh the pros and cons of fixed,
- [Reasons to consider hiring a financial planner](https://pmwplus.com.au/reasons-to-consider-hiring-a-financial-planner/) - For business owners who want financial security now and freedom in retirement, having a financial planner on the team is a must. A financial planner will create a customized, strategic action plan to help you achieve your personal financial goals. Getting to know you and your business inside out is the first step a financial
- [What to do if you get audited](https://pmwplus.com.au/what-to-do-if-you-get-audited/) - No business owner looks forward to a letter from the taxman requesting a closer look at the books. If you’ve received an audit letter – an official request by the tax authority to review your accounts and confirm your taxes have been paid to date – don’t panic. Prepare. These four steps will help you
- [There's More to Risk Than Volatility: How to Invest Beyond Speculation](https://pmwplus.com.au/theres-more-to-risk-than-volatility-how-to-invest-beyond-speculation/) - Most investors would love to be the next Warren Buffet, arguably the most successful investor ever, and yet many investors ignore his investment methods. Instead, they follow simple tricks and use simple definitions that miss undervalued stocks primed for growth. Successful investors such as Buffet take a broader view of investing and consider many commonplace investment
- [Nine Ways to Become a Better Investor](https://pmwplus.com.au/nine-ways-to-become-a-better-investor/) - Everyone would like to become a better investor. People get into a twist trying this method and that only to abandon them for the next new thing. There's an easier way, and it involves following a few simple suggestions. Stop watching the market and start your watching stocks Just because the market is frothy doesn't
- [What you need to do before you retire](https://pmwplus.com.au/what-you-need-to-do-before-you-retire/) - If you haven’t given any thought to what your retirement will look like, now’s a great time to start. It might not be the most fun thing to think about—not when there are vacations to plan or houses to buy—but retirement planning is a vital part of your overall financial plan. Most people dream about
- [Why Bookkeeping is Crucial to Your Success](https://pmwplus.com.au/why-bookkeeping-is-crucial-to-your-success/) - Keeping track of sales, earnings, expenses, and purchases is fundamental to the overall health and sustainability of your business. Effective bookkeeping produces the data you need to evaluate your current practices, anticipate challenges, and set attainable future goals. But despite their proven importance, many business owners dread and avoid accounting tasks. In fact, 40% of
- [Use your Accounting Software to Boost Sales](https://pmwplus.com.au/use-your-accounting-software-to-boost-sales/) - If you think accounting software is just for tracking expenses and generating financial reports, you’re losing out on an opportunity to improve your bottom line. By taking advantage of insights provided by your software solution, you’ll benefit from a more informed approach to marketing and customer service – and by making the most of all
- [Tips for getting rid of slow moving stock](https://pmwplus.com.au/tips-for-getting-rid-of-slow-moving-stock/) - Stale inventory is a costly nuisance for any business owner. Ideally the rule of thumb is to sell the goods taking up space on your sale floor within 90 days; after the three month mark stale inventory becomes dead inventory. Products are much harder to move and nearly impossible to get top dollar for. Fortunately
- [New ideas for business goals this year](https://pmwplus.com.au/ideas-for-business-goals-this-year/) - The start of the year is the perfect time to dust off last year’s business plan and set some new goals for the future. While some entrepreneurs love planning, others feel overwhelmed by the process. How do you decide on just a handful of goals that take priority, with so many moving parts that make
- [What you need to know this tax season](https://pmwplus.com.au/what-you-need-to-know-this-tax-season/) - With tax season in full bloom we've compiled a list of a few things we think you should be aware of. Individuals Waiting for your payment summary? Check out myGov If you are waiting for your annual payment summary from your employer, make sure they are not reporting through Single Touch Payroll (“STP”). If they
- [Time for a Payroll Health Check](https://pmwplus.com.au/time-for-a-payroll-health-check/) - As we predicted with the introduction of GST, the ATO is focusing on ensuring employers are meeting their obligations to employees. As there have been a number of changes and in the light of increased scrutiny, we recommend that you conduct a review of your payroll processes. This includes but is not limited to
- [Using Smart Goals to Achieve More](https://pmwplus.com.au/using-smart-goals-to-achieve-more/) - As a small business owner, you’re likely to be always looking for ways to achieve more. Maybe you made a New Year’s resolution about it. You might have resolved to make more money, find more clients, or grow your business. It’s fantastic to have an idea of what you want to do, but how will
- [Avoid These 5 Costly Accounting Mistakes](https://pmwplus.com.au/avoid-these-4-costly-accounting-mistakes/) - A Canadian bank recently surveyed over 500 small business owners about what they love and hate most about owning their own business. Unsurprisingly, flexibility and feeling in control ranked first in the “love” category. Meanwhile, almost 60% said bookkeeping was hands-down their most hated task. Most business owners understand that effective financial management is key
- [Tips for switching off during the holidays](https://pmwplus.com.au/tips-for-switching-off-during-the-holidays/) - The holiday season is once again here and with it comes time to relax, focus on family and friends and take stock on what is really important in life. Unless you’re a small business owner. Every small business owner knows that being away from the office can be just as stressful as being in it.
- [Weirdest Tax Time excuses the ATO has ever seen](https://pmwplus.com.au/weirdest-tax-time-excuses-the-ato-has-ever-seen/) - The ATO have recently given examples of some of the weirdest Tax Time excuses they've ever received, and they're hilarious! Read all about them below: 1. "Someone has stolen my pants" One taxpayer claimed to have a thief break into their car and steal their pants containing all proof of purchase. 2. "I've
- [Cyber-security tips for business owners](https://pmwplus.com.au/cyber-security-tips-for-business-owners/) - It’s natural for small business owners to think that they won’t be victims of cyber attacks. Most of the news surrounding hacking and data breaches involves large corporations, but that is because that’s where a high number of victims are affected. Hackers may find they have an easier time going after small businesses and start-ups
- [Useful resources for you & your business amidst the COVID-19 landscape](https://pmwplus.com.au/a-checklist-for-your-business-amidst-the-covid-19-landscape/) - Accounting and business resources to help navigate through the Coronavirus Pandemic. Over the past couple of weeks, the team at pmwPlus have pooled their resources in order to provide as much support and information to you while we navigate our way through the current landscape. On this page you will find access to the following
- [Public holidays and paying stood down employees](https://pmwplus.com.au/public-holidays-and-paying-stood-down-employees/) - It’s stated pretty clearly on the Fairwork Australia website, “Employees that are stood down remain employed during the period of the stand down.” This means employees who are stood down by their employer under the Fair Work Act are entitled to be paid for public holidays that occur during the stand down period. This is
- [We must support local businesses through Coronavirus](https://pmwplus.com.au/we-must-support-local-businesses-through-coronavirus/) - Managing Partner pmwPlus, Ray Miller was featured in The Central Western Daily this week for his commentary on how to support the local Central West economy through COVID-19. Click here to read the original article on The Central Western Daily online or see below. Orange community urged to buy local to help businesses through
- [What is the JobKeeper Alternative Test?](https://pmwplus.com.au/covid19-business-resources/) - Wondering what to do if you don't meet the Basic Decline in Turnover Test requirements for JobKeeper? The ATO has released its guidelines for the Alternative Decline in Turnover Test which are available now on the ATO website. In an effort to simplify the guidelines, we've summarised the rules for the test in this
- [What home office expenses am I allowed to claim now I'm working from home?](https://pmwplus.com.au/covid19-home-office-expenses/) - If you work part of all of your job from home, you may be able to claim a deduction for the costs incurred in running your home office in your next Tax Return.
- [How to get your business noticed on a shoestring budget](https://pmwplus.com.au/how-to-get-your-business-noticed-on-a-shoestring-budget/) - Very few small businesses have a huge marketing budget to work with. Fortunately, there are a number of simple, free and low cost ways to get the word out about your company that are also highly effective. With Coronavirus restrictions starting to ease, now is the time to evaluate your impact in your industry and
- [How cash flow forecasts can help you](https://pmwplus.com.au/how-cash-flow-forecasts-can-help-you/) - Managing cash flow is a vital part of running a successful business. Some business owners think managing cash flow simply means keeping track of how much money enters and leaves their business, but there’s actually more that goes into it. Cash flow forecasting, for example, is an incredibly valuable tool that helps you anticipate cash
- [Is it better to buy or lease a company vehicle?](https://pmwplus.com.au/is-it-better-to-buy-or-lease-a-company-vehicle/) - If you need a car to operate your business, you may wonder whether it makes more sense to purchase or lease. On the one hand, if your business owns the car you’ll have a long-term asset and may qualify for more tax deductions. On the other hand, buying a car is a huge expense and
- [Social Media Etiquette: 8 Quick Tips for Professionals](https://pmwplus.com.au/social-media-etiquette-8-quick-tips-for-professionals/) - As you know, social media can connect you with new business associates, help build your personal or business brand and more! But this communication mode is not without risk. It's important to remember that social media is a public forum - no matter how secure your privacy settings are - your social media profile and
- [How to create good habits in business](https://pmwplus.com.au/how-to-create-good-habits-in-business/) - If you’re like most small business owners, there are never enough hours in the day to complete every task on your list. Often you’re faced with prioritising what you need to do right now – deal with a customer, meet a deadline, attend an event – and the things you know you should do for
- [Eight Ways to Become a Better Investor](https://pmwplus.com.au/eight-ways-to-become-a-better-investor-2/) - Everyone would like to become a better investor. People get into a twist trying this method and that method only to abandon them for the next new thing. There’s an easier way, and it involves following a few simple suggestions... 1. Stop watching the market and start your watching stocks Just because the market is
- [Presentations – Saying It Without Words](https://pmwplus.com.au/presentations-saying-it-without-words/) - It’s easy to believe that the key skill in giving a presentation is making sure you say the right thing, but studies have shown that 55% of your message comes from non-verbal cues and people remember more if they see something than if they just hear it. This article looks at the eight areas you
- [Your End of Financial Year (eofy) Checklist](https://pmwplus.com.au/your-end-of-financial-year-eofy20-checklist/) - It's almost the end of another financial year, a year we can all agree will be one not soon forgotten. All of us at pmwPlus are incredibly proud of the resilience and the mateship shown across the country. We've worked together to keep each other safe and have no doubt we will continue to do
- [New $3k Small Business Recovery Grant](https://pmwplus.com.au/new-3k-small-business-recovery-grant/) - Further support to small businesses expected from the NSW State Government in coming weeks. This past week the NSW Treasurer announced a new Recovery Support Grant to help small businesses reopen following the easing of restrictions state wide. The Service NSW website has (to date), published minimal information about how the grant will work. We
- [Ways to benchmark your business](https://pmwplus.com.au/ways-to-benchmark-your-business/) - For many business owners, determining the success of a business comes down to how much profit the company makes. Of course, finances are an important measure of an company’s overall success. If you don’t bring in more than you spend you won’t be in business for long. Profit, however, isn’t the only important benchmark by
- [pmwFinance team featured in The Adviser & TAFE NSW website](https://pmwplus.com.au/pmwfinance-team-featured-in-the-adviser-tafe-nsw-website/) - Our very own Matt Derham and Glenn Atkinson, from the pmwFinance team have been featured in The Adviser (Australia's leading mortgage and finance broking publication), and on TAFE NSW's website for their experience with the new NSW Government's fee-free traineeships. Here's a brief excerpt from both articles: NSW-based brokerage pmwFinance – a division of accounting,
- [JobKeeper 2.0, What we know so far](https://pmwplus.com.au/jobkeeper-2-0-what-we-know-so-far/) - On Tuesday 21 July 2020, the Government announced changes to the JobKeeper program. While information is still being released about JobKeeper 2.0, we thought it best to summarise what we know so far. We will be sure to keep you up to date on the latest changes as and when new information is available.
- [Organise your day! Handy business tips to get productive.](https://pmwplus.com.au/creating-your-business-to-do-list/) - When you’re a business owner, your to-do list is often long and constantly growing longer. There are an overwhelming number of things you need to do, and it can feel like they’re all urgent. In such cases, it’s easy to push important tasks to the side and focus on less-vital activities, but that often means
- [Federal Budget 2020](https://pmwplus.com.au/federal-budget-2020/) - Key Takeaways for Individuals & Businesses Last night, Treasurer Josh Frydenburg delivered this years long awaited Federal Budget. Typically presented early in the calendar year, the 2020 Budget was pushed back to October due to the Coronavirus Pandemic. There is a lot to unpack following last nights announcement, so we’re going to look at the
- [8 things your invoice needs in order to get paid faster](https://pmwplus.com.au/8-things-your-invoice-needs-in-order-to-get-paid-faster/) - So you’ve set up your business and sold some products and/or services. Now, you have to send an invoice to collect your payment but what should you include on your invoices in order to get paid faster? Even if you’ve been running your business for a while, you might be missing other information that you
- [Five Ways to Manage a Healthy Cash Flow](https://pmwplus.com.au/five-ways-to-manage-a-healthy-cash-flow/) - We cannot stress the importance of properly managing your cash flow to ensure the smooth running of your business. Especially in times such as these (eg. the ongoing Coronavirus pandemic), this becomes more than a check-box task. Keeping a close and watchful eye on your cash becomes a necessity for the future of your business.
- [COVID-19 Business Update – March 2021](https://pmwplus.com.au/covid-19-business-update-march-2021/) - JobKeeper ends soon: what to do if you’re worried about your business If your business is struggling with cashflow or other issues at the moment, it’s time to have a chat. Now is a good time to take stock and think about your business more broadly. It’s likely that any underlying issues have been compounded
- [Is Your Family Home At Risk?](https://pmwplus.com.au/asset-protection-for-small-business-owners/) - If you are a business owner, there are plenty of things you need to manage, and two of the most important of these are assets and risks. In other words, building your wealth and protecting your wealth. There’s no point building a lot of wealth if the way you have things structured behind the scenes
- [Why Every Company Director Now Needs a Director ID (DIN)](https://pmwplus.com.au/director-identification-number/) - If you’re a director of an Australian company—or you plan to be—please read on. All existing directors (and intending directors) of Australian companies should be aware that the Australian Government has announced the introduction of a new mandatory Director Identification Number (DIN) system. (You’ll notice the term director ID is also used for DIN.) This
- [Top Small Business Leadership Tips](https://pmwplus.com.au/better-small-business-leader/) - As an entrepreneur, you must have functional leadership skills. It goes with the territory. These skills are key to managing and motivating employees, communicating with customers and inspiring people through your clear company vision. No, leadership is not one-dimensional: there are plenty of different approaches to the practice of good leadership. In this blog post,
- [Where Did It All Go?: Taking The Mystery (And Pain) Out Of Managing Your Money](https://pmwplus.com.au/personal-household-budgeting-xero-cashbook/) - Most people will quite literally earn millions of dollars in their lifetime. Yet many people struggle financially and live from one pay period to the next. With our ageing population and many Baby Boomers continuing to work, at least on a part-time basis, past the traditional retirement age, people are working more years than ever.
- [4 Types of Personal Insurance That Are Worth Considering](https://pmwplus.com.au/personal-insurance/) - It’s easy to be wise after the event. Taking out certain types of personal insurance is being wise before the event! What happens if you’re in a bad accident and need to take an extended period off work to recover? Or you were left permanently disabled - or worse? What would happen if you got
- [Has Your Regular Contractor Become Your Employee?](https://pmwplus.com.au/contractor-vs-employee/) - In a lot of situations, hiring a contractor to get a particular job done makes perfect sense. It may require expertise or skills none of your employees have. You may only need someone for a short timeframe to clear a backlog of work, or maybe you just want to avoid having to go through a
- [The Power of Setting Financial Goals](https://pmwplus.com.au/power-of-setting-financial-goals/) - Meeting your ideal financial situation in life doesn't need to remain a dream. Every day, we work to help our clients achieve their desired lifestyles and strive for financial success. While success looks different for everyone, the way to arrive at financial success remains the same — to set financial goals. It can be easy
- [Meet the pmwPlus Finance Team](https://pmwplus.com.au/meet-the-pmwplus-finance-team/) - The pmwPlus Finance team come together to bring a combined 80 years of industry experience for our clients to leverage to their advantage
- [How to Access the Flood Relief Payment and Other Flood Grants for the New South Wales Floods of November 2022](https://pmwplus.com.au/flood-relief-payment-and-grants/) - Based in Orange, NSW, we at pmwPlus are acutely aware of the devastation caused by the recent flooding across New South Wales and South Australia. Many of our clients have been affected, and we are here to support you in whichever way we can. If you're one of the people impacted by the November 2022
- [How to Help Your Adult Children Purchase Property](https://pmwplus.com.au/help-your-adult-children-purchase-property/) - Many parents can attest to wanting to do anything they can to help their kids — including being able to purchase a property. There's no doubt that the recent triple whammy of the property boom, increased cost of living and rise in interest rates has placed even more pressure on young adults to live the
- [Is It Harder to Get a Home Loan When Interest Rates Are High?](https://pmwplus.com.au/home-loans-when-interest-rates-are-high/) - It seems that lately, even if you turn off the TV and put your phone down, news of interest rate hikes is hard to escape. People are making a lot of noise about the interest rate increases, but for most Aussies looking to get a home loan, the rise in rates may affect them in
- [pmwPlus Welcomes a New Partner](https://pmwplus.com.au/pmwplus-welcomes-a-new-partner/) - We have some very good news to share with you all. Many of you will know and have worked with Nathan Byrne, in our Business Services team. It is with great excitement that we announce the promotion and appointment of Nathan as Partner at pmwPlus. What started as a work experience opportunity for Nathan ten
- [Understanding the 2022 Superannuation Contribution Rules](https://pmwplus.com.au/2022-superannuation-contribution-rules/) - In July 2022, a change was introduced to the superannuation landscape in Australia. Under these new circumstances, you must stay informed and plan wisely.
- [Strategise to Maximise: Elevating Your Business with Strategic Planning](https://pmwplus.com.au/how-to-elevate-your-business-with-strategic-planning/) - Your passion fuels the business, but more than passion is needed to ensure success. This is where strategic planning comes in!
- [Small but Mighty: How Small Businesses Outshine Corporate Giants](https://pmwplus.com.au/how-small-businesses-outshine-corporate-giants/) - We will explore why small businesses like yours often, in certain areas, have the upper hand when competing with industry giants.
- [Vision Unblurred: Keeping Your 'Why' in Focus](https://pmwplus.com.au/keeping-your-why-in-focus/) - A guide for business owners to never lose sight of their 'why' and ensure that it remains at the forefront of their business
- [Tech Revolution: How Technology is Transforming Businesses in the Digital Age](https://pmwplus.com.au/how-technology-is-transforming-businesses-in-the-digital-age/) - Technology has revolutionised everything. Are you ready to take the leap and make the most of technology for your business
- [Embracing Retirement: A Smooth Transition into a New Chapter](https://pmwplus.com.au/seamlessly-transition-into-retirement/) - Transitioning into retirement can be a challenging time, however, a TTR strategy can help you transition into retirement seamlessly
- [Is the 4-Day Work Week for You? Pros, Cons and Tips](https://pmwplus.com.au/is-the-4-day-work-week-for-you-pros-cons-and-tips/) - When was the last time you felt that you had a week’s worth of energy to pour into just four days of work? As COVID-19 has reshaped our work-life balance and continues to redefine what is essential in our professional world, the concept of a shorter workweek is gaining traction. With proposed legislation in various
- [The key to growing your business: unlock new customers and markets](https://pmwplus.com.au/the-key-to-growing-your-business-unlock-new-customers-and-markets/) - For a business to thrive and grow, it essentially needs two things: a strategic plan and an ability to continually find new customers and tap into promising markets. Here’s how you can do that. The untapped potential in existing markets Start by re-evaluating your existing customer base. Profiling them will help you to more accurately
- [Stop putting off the little things](https://pmwplus.com.au/stop-putting-off-the-little-things/) - As a business owner, you often find yourself pulled in different directions by competing responsibilities. It can feel daunting to classify tasks and tackle the most time-consuming ones first. But why is it so hard for us to start – or even finish – seemingly insignificant tasks? Why do these tiny tasks become the bane
- [How do I adapt my small business strategy in the midst of a cost of living crisis?](https://pmwplus.com.au/how-do-i-adapt-my-small-business-strategy-in-the-midst-of-a-cost-of-living-crisis/) - So, we’re officially in the thick of a cost of living crisis. This presents a challenge for entrepreneurs and is a nerve-wracking time for many small business owners. If you’ve had sleepless nights worrying about how you’re going to pay your suppliers or support your staff, you’re not alone. It’s likely you’ve already looked at
- [How To Nurture Success in Family-First Businesses](https://pmwplus.com.au/how-to-nurture-success-in-family-first-businesses/) - Are you looking for a secret recipe for building a successful business? Well, the "family-first" approach might just be the thing for you!
- [Discovering the Best Way to Build an Ethical Business](https://pmwplus.com.au/discovering-the-best-way-to-build-an-ethical-business/) - Discover why ethical business practices are key to success. How they build trust, enhance reputation, attract top talent, and reduce legal risks
- [How to Manage Your Money: Budgeting for Beginners](https://pmwplus.com.au/budgeting-for-beginners/) - Want to take control of your finances and start saving? Discover some of our tips and tricks for budgeting and saving money like a pro!
- [Chaos to Clarity: The Revolutionary Power of Automated Bookkeeping](https://pmwplus.com.au/chaos-to-clarity-the-revolutionary-power-of-automated-bookkeeping/) - Say goodbye to tedious financial tasks! Automate your business's bookkeeping to save time, reduce errors, and allow you to focus on growing your business
- [Redundancy Equals Opportunity: Financial Empowerment and New Beginnings](https://pmwplus.com.au/how-redundancy-equals-opportunity/) - Are you aware of the different redundancy options available to you? Let's dive in and check out your entitlements and explore ways to maximise your payment!
- [Estate Planning: How to secure your legacy](https://pmwplus.com.au/estate-planning-how-to-secure-your-legacy/) - pmwPlus provides peace of mind for you and your loved ones with compassionate assistance during this difficult time. Discover the importance of estate planning
- [Thrive Through Inflation: Here's What you NEED to Know](https://pmwplus.com.au/thrive-through-inflation/) - We understand that high inflationary environments creates challenges for businesses. Here's what you need to know for your business to thrive through inflation.
- [Be a Purple Cow: Stand Out in the Herd](https://pmwplus.com.au/stand-out-in-the-herd-be-a-purple-cow/) - In a world where competition is fierce, and there are endless options to choose from, it's crucial to make your business stand out. Be a Purple Cow!
- [Why Is Personal Risk Insurance So Important?](https://pmwplus.com.au/the-importance-of-personal-risk-insurance/) - Safeguard your family's finances by considering personal risk insurance to cover financial obligations in case of injury or illness preventing you from working.
- [5 key steps to prepare for the successful sale of your business](https://pmwplus.com.au/5-key-steps-to-prepare-for-the-successful-sale-of-your-business/) - If you’re considering selling your business, the process should begin long before you put the ‘For Sale’ sign up. Selling a business is not just a major financial decision but a life-changing one that requires meticulous planning and a strategic approach. In order to get the maximum return on your investment, you need to understand
- [Unlocking the secrets to stellar customer service](https://pmwplus.com.au/unlocking-the-secrets-to-stellar-customer-service/) - Customer service is the heartbeat of any successful business. It’s the unsung hero that transforms a potential disaster into an opportunity, and a mere transaction into a lifelong relationship. In the narrative of customer loyalty and retention, service is the protagonist. Your approach to customer service has the power to attract and retain customers. Why
- [Marketing your business: where to start and how to make it easier](https://pmwplus.com.au/marketing-your-business-where-to-start-and-how-to-make-it-easier/) - Marketing can feel like a daunting task for small business owners. If you’re new to the game, or maybe you’ve been in business for a while and just haven’t quite cracked the code, navigating the world of marketing can be overwhelming. But it doesn’t have to be. Your business deserves to be seen, heard, and
- [pmwPlus welcomes Mark Bettinzoli as a new partner](https://pmwplus.com.au/pmwplus-welcomes-mark-bettinzoli-as-a-new-partner/) - pmwPlus is thrilled to share a significant update with the regional business community – the welcoming of Mark Bettinzoli as a new partner

## Pages

- [Accountants & Advisors Orange NSW - pmwPlus](https://pmwplus.com.au/)
- [Calculators](https://pmwplus.com.au/calculators/)
- [TASA Disclosure Statement](https://pmwplus.com.au/tasa-disclosure-statement/) - Information we are required to Disclose to our Clients As BAS Agents, our services are performed for you in accordance with the law, including the Tax Agent Services Act 2009 (TASA). The following information is provided in compliance with the disclosure requirements of s45 of the Tax Agent Services Act 2009: Please see following relevant
- [Business Guides](https://pmwplus.com.au/business-guides/)
- [pmwPlus Terms & Conditions](https://pmwplus.com.au/pmwplus-terms-conditions/) - Published August 2024 1. Terms and conditions 1.1 This document sets out our standard Terms and Conditions. It should be read in conjunction with the Scope of Work issued to you and your entities[1] by one of the service entities in the pmwPlus Group (“pmwPlus”). If there are inconsistencies between these Terms and Conditions and
- [Our Firm](https://pmwplus.com.au/accountant-orange-nsw/) - About pmwPlus pmwPlus is the leading accounting and advisory firm in Orange NSW. With over 60 years’ history serving the community, pmwPlus is a multi-disciplined business consulting, accounting and financial planning firm. pmwPlus is your go-to for all things finance and business. We aim to be your accountant and advisor in business and in life.
- [Loan Restructuring](https://pmwplus.com.au/mortgage-broker-home-loans-orange-nsw-pmwplus/loan-restructuring/) - Loan Restructuring Process If your current loan is no longer suitable, have a chat with us. We’ll find you a suitable alternative and help you through the restructuring process. You can rest assured knowing you’re getting the best deal possible with pmwPlus. Contact us today
- [Investment Loans](https://pmwplus.com.au/mortgage-broker-home-loans-orange-nsw-pmwplus/investment-loans/) - Practical mortgage solution Are you looking at purchasing an investment property but need the right finance to do so? This practical mortgage solution helps you buy the property and rent it out for income. It can be a tricky process if you don’t know what you’re doing, so it’s wise to enlist the advice of
- [Home Loans](https://pmwplus.com.au/mortgage-broker-home-loans-orange-nsw-pmwplus/home-loans/) - Personalised and individual loan service by Black Pen Lending We’re dedicated to opening doors for individuals and business owners. Whether you’re buying your first home, finding a new home or refinancing your current mortgage, our team will ensure you secure the necessary finance you need. Our personalised and individual service means you’ll get the star
- [About Black Pen Lending](https://pmwplus.com.au/mortgage-broker-home-loans-orange-nsw-pmwplus/) - Helping you secure finance Are you looking to make the next big move in your business? Looking for a vehicle, property, asset or investment is an exciting process. But dealing with banks and other lenders isn’t fun. We take the stress out of the process!
- [Our Team](https://pmwplus.com.au/our-team/) - Meet the team at pmwPlus Put simply, we love our team. Our team is a group of 35+ amazing people who bring a wealth of experience from across the Central West and the world. We operate as a single unit but with five different arms - almost like a starfish! Not everyone wants to live
- [Audit, Governance and Control Processes](https://pmwplus.com.au/audit-and-assurance-for-business-orange-nsw-pmwplus/audit-governance-control-processes/) - pmwPlus is an independent audit partner in Orange offering expert services for public and private companies, including governance and control services.
- [SMSF Audit](https://pmwplus.com.au/audit-and-assurance-for-business-orange-nsw-pmwplus/smsf-audit-pmwplus-advisory-firm-in-orange-nsw/) - pmwPlus is an accredited SMSF auditor in Australia that ensures your fund meets all compliance requirements. Contact us today to schedule your SMSF audit!
- [Individual Tax Returns](https://pmwplus.com.au/financial-planning-orange-nsw/individual-tax-returns/) - Let pmwPlus handle your tax and compliance needs. Book a financial review now to save time and money while achieving your goals.
- [About pmwAssurance](https://pmwplus.com.au/audit-and-assurance-for-business-orange-nsw-pmwplus/) - Helping you stay squeaky clean Squeaky clean books make audits a whole lot easier. At PMW Plus, our team love to find the tiny little details that others may miss. It’s this commitment to our clients and their data that has earnt us such a reputation in the Assurance space. Accurate reporting With an overactive
- [Risk Management](https://pmwplus.com.au/audit-and-assurance-for-business-orange-nsw-pmwplus/risk-management/) - Minimise the risk with pmwPlus If you’re a business owner, you’re probably used to facing risks now and then. We try to minimise the risks you’re exposed to and prevent potentially negative situations before they occur. Our pmwPlus team have extensive experience, spanning more than 7 decades, in helping business owners. We’ll analyse the risk
- [About pmwBusinessCentre](https://pmwplus.com.au/business-accounting-bookeeping-orange-pmwplus/) - Run your business without the stress of red tape Let us take the pressure off and empower you and your team to focus on business goals. Dedicated to understanding your business, the PMW Plus Business Centre team has a wide variety of skills and years of experience in the business arena. From bookkeeping support services,
- [About pmwPrivateWealth](https://pmwplus.com.au/financial-planning-orange-nsw/) - pmwPrivateWealth – Helping you grow your wealth The financial advice provided by pmwPlus is tailored to you. Our financial planning and wealth creation services are designed around your needs, your goals – your future. We have a tried-and-tested process customised to suit your individual situation. We start by understanding your life goals, needs and aspirations
- [About Xero](https://pmwplus.com.au/cloud-accounting/about-xero/) - We're experts in Xero! Xero - online accounting software that's easy to love. Find out more about Xero below or drop us a line to get started. Why Xero? A better way to work – together Share access to your latest business numbers with us – so everyone is up to speed.
- [QuickBooks Resources](https://pmwplus.com.au/quickbooks-resources/)
- [MYOB Resources](https://pmwplus.com.au/myob-resources/)
- [Xero Resources](https://pmwplus.com.au/xero-resources/)
- [Cadetship](https://pmwplus.com.au/cadetship/)
- [Cadetship program application](https://pmwplus.com.au/cadetship-program-application/)
- [My AI Account](https://pmwplus.com.au/myai-account/) - [wpaicg_my_account]
- [Senior Accounting and Bookkeeper roles (multiple positions available!)](https://pmwplus.com.au/careers/bookkeeper/) - Job Summary section Opportunity to join values driven Business Services & Corporate Advisory Company Work in beautiful Orange, the food and wine haven of the Central West Not your typical firm – enjoy a day off a month on us! - Enjoy a diversity of development and growth opportunities – only limited by your
- [Current Positions](https://pmwplus.com.au/careers/current-positions/) - Interested in joining our team? We have multiple positions available, click here to apply now.
- [pmwFinance: Testimonials](https://pmwplus.com.au/pmwfinance-testimonials/) - "Incredibly easy and stress-free process" I would like to thank pmwFinance so very much for all of the help we received. The team made the process incredibly easy and stress-free. I honestly do not think we would have gotten everything done if it wasn’t for the knowledge, skills, and organisation provided. I appreciate all of
- [Weekly Digests](https://pmwplus.com.au/blog/covid-19-economic-support-for-businesses-in-australia/) - Coronavirus economic support for businesses in Australia Useful accounting and business resources to help you navigate through the Coronavirus pandemic Over the past couple of months, we have pooled our resources in order to provide as much support and information to you and your business while we all navigate our way through the current landscape.
- [pmwWealthHub](https://pmwplus.com.au/financial-planning-orange-nsw/pmw-wealth-hub/) - Start today, organise your life Let us help you achieve a better financial future Do you understand your net worth? The most important number when it comes to your personal finances isn't how much you need to retire, or how well your assets are stacking up. Yes, those numbers are important but they don't
- [Let us help you with your Bookkeeping](https://pmwplus.com.au/business-accounting-bookeeping-orange-pmwplus/bookkeeping/) - Don’t waste your valuable time on crunching the numbers and trying to keep up with bookkeeping tasks. Free yourself and put more effort into working on growing your business by outsourcing administrative bookkeeping services. Benefits of outsourcing bookkeeping services to pmwBusinessCentre Save your business money Outsourcing means you don’t have the overheads in having to
- [Community](https://pmwplus.com.au/community/) - Giving back is so important to us Here are examples of local events, organisations and charities we support At pmwPlus, we are passionate about supporting the Central West and giving back to our community. We thrive as a society when we encourage one another and work together to make great things happen. We’re proud
- [pmwPlus Terms & Conditions - July 2020](https://pmwplus.com.au/pmwplus-terms-conditions-july-2020/) - Published July 2020 1.Terms and conditions 1.1 This document sets out our standard Terms and Conditions. It should be read in conjunction with the Scope of Work issued to you and your entities[1] by one of the service entities in the pmwPlus Group (“pmwPlus”). If there are inconsistencies between these Terms and Conditions and the
- [pmwAssurance: Testimonials](https://pmwplus.com.au/pmwassurance-testimonials/) - "We wouldn't go anywhere else!" pmwPlus have been doing our audits for over 20 years and we wouldn’t go anywhere else! The team are highly professional and their auditing process is exemplary. They don’t hide behind glass doors, the whole team are very approachable and I wouldn’t hesitate to recommend pmwPlus to anyone.” Karyn Sullivan,
- [pmwPrivateWealth: Testimonials](https://pmwplus.com.au/financial-planning-orange-nsw/pmwprivatewealth-testimonials/) - "The team helped me navigate my way through a really tough time" The pmwPrivateWealth team are absolutely amazing! I have been a client for almost 30 years and they’re always there for me and my family. The team have helped me manage all my financials and recently helped me navigate my way through a really
- [pmwBusinessCentre: Testimonials](https://pmwplus.com.au/pmwbusinesscentre-testimonials/) - "Honest, up-front and direct approach" I just wanted to offer a huge thank you for all pmwPlus have done for me and the company! I personally find that working with pmwPlus has been so professional. Their ability to be honest and have an up-front and direct approach is really refreshing. pmwPlus have been supportive and
- [Business Valuations](https://pmwplus.com.au/business-accounting-bookeeping-orange-pmwplus/business-valuations/) - Business valuations services in Orange Knowing the value of a business is necessary when you’re looking to buy, wanting to sell a business or a share in a business, trying to secure funding, attracting investors or working out your net worth. It takes a combination of expert skill and practical knowledge to accurately value a
- [Management Reporting](https://pmwplus.com.au/business-accounting-bookeeping-orange-pmwplus/management-reporting/) - Helping you see the bigger picture Understand your organisation's financial health and performance. We can help you clear a path to achieving your business goals. Management reports will help you monitor performance, effectively project manage plans and make strategic business decisions. The information provided in Mangement Reports allows a true understanding of the financial and
- [About MYOB](https://pmwplus.com.au/cloud-accounting/about-myob/) - Find the right MYOB product for you MYOB online solutions help you keep control of your finances, be more productive and reduce risk. Find the solution that best suits your needs - from helping with the day to day accounts, to more complex business management. MYOB Products MYOB Essentials MYOB AccountRight MYOB AccountEdge MYOB
- [Tax Consulting](https://pmwplus.com.au/business-accounting-bookeeping-orange-pmwplus/tax-consulting/) - Growth through risk management Our tax methodology encompasses a risk-based system which not only works to save you money, but reduces the risk of you becoming targeted by revenue authorities. Tax governance framework (also called a tax risk management framework), is the guide to how tax risk is addressed in business. We define tax risk
- [Accounting & Compliance](https://pmwplus.com.au/business-accounting-bookeeping-orange-pmwplus/accounting-compliance/) - Saving you time & money so you can grow your business We are dedicated to understanding your business and working with you to deliver on your business objectives. To support your ambitions, we've recognised the importance of being agile and responsive, which is why we've embraced innovative cloud technologies since 2010. As a result, we
- [pmwPlus Privacy Policy](https://pmwplus.com.au/pmwplus-privacy-policy/) - We are committed to ensuring the privacy and security of your personal information. You can review our pmwPlus Privacy Policy for more information on data privacy below. We are committed to ensuring the privacy and security of your personal information. As an Authorised Representative of Count Financial Limited, we are bound by Count’s Privacy Policy. From
- [Testimonials](https://pmwplus.com.au/what-our-clients-say-about-us/) - We are fortunate to work with some of the greatest people and businesses in the Central West. Our mission is to be a trusted partner and help you achieve your goals in business and life. So when one of our clients confirms we are helping them with this, we're beyond grateful. But enough from us,
- [Strategic Business Advice](https://pmwplus.com.au/business-accounting-bookeeping-orange-pmwplus/strategic-planning/) - In need of guidance or support to help you make the right business decisions? We're here to help. We offer a wide variety of strategic business advice services, everything from helping you find funding to restructuring or change management. See our services below or contact us today to see how we can help you. Contact
- [Careers](https://pmwplus.com.au/careers/) - Join our team! We are always looking for talented and fun individuals to join our team. Feel free to complete our form below and we'll be in touch.
- [Audit Shield Service](https://pmwplus.com.au/business-accounting-bookeeping-orange-pmwplus/audit-shield-service/) - Helping you stay protected The financial effects of an audit can be significant for a business of any size. That’s not to mention the emotional stress of audits as well! In the event of an ATO audit, enquiry or review, you need to be prepared. Audit Shield is an optional service to protect you from
- [pmwWealthHub Resources](https://pmwplus.com.au/pmwwealthhub-resources/)
- [Cloud Accounting](https://pmwplus.com.au/cloud-accounting/) - Cloud Accounting is designed to make your life easier We’re experts in multiple accounting software platforms and apps and we can help you choose the most suitable one for your business. Some of the many benefits of cloud accounting software It saves you time Automatic bank feeds, simple reporting, online dashboards and no
- [Superannuation Advice](https://pmwplus.com.au/financial-planning-orange-nsw/superannuation-advice/) - Making superannuation easy A well performing self-managed superannuation fund (SMSF) can be a really profitable and tax effective way to retire comfortably. However, a superannuation fund like this needs the guidance of an experienced professional. That’s where pmwPlus can help. How we help with super pmwPlus are superannuation and SMSF specialists. We understand the ins
- [Quickbooks Online](https://pmwplus.com.au/cloud-accounting/quickbooks-online/) - We're experts in Quickbooks Online! All the features you need to grow your business SIMPLE ACCOUNTING SOFTWARE Organization Organise your expenses easily by connecting bank and credit card accounts for automatic downloads and categorization. Plug into apps you already use for seamless integration. Cash Flow Easily manage who owes you, how much and when
- [Terms & Conditions](https://pmwplus.com.au/terms-conditions/) - 1. About this website Website Owner = Pigot Miller Wilson (“ pmwPlus ”) (Domain name = www.pmwplus.com.au the “website”) 2. About these terms of use These website terms of use (“terms of use”) and the associated Privacy Statement (“privacy policy”) govern your access to and use of the website. You should read these terms of
- [Privacy](https://pmwplus.com.au/privacy-pmwplus-advisory-firm-in-orange-nsw/) - This privacy policy sets out how pmwPlus uses and protects any information that you give pmwPlus when you use this website. pmwPlus is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that
- [Contact Us](https://pmwplus.com.au/contact-accountants-advisors-orange-nsw-pmwplus/) - Contact Details Get in contact with expert Accountants & Advisors in Orange NSW today. Complete the form to get in touch with Financial Planners, Accountants & more. 65 Hill St (cnr Hill and Summer Streets) Orange Post: PO BOX 143, Orange NSW 2800 Ph: (02) 6362 1966 Fax: (02) 6362 7872 admin@pmwplus.com.au Questions? Let's
- [Resources](https://pmwplus.com.au/resources/) - We’re there - to help you grow your business
- [Weekly Digests](https://pmwplus.com.au/covid19-resources/)
- [pmwPlus Terms & Conditions - June 2020](https://pmwplus.com.au/pmwplus-terms-conditions-june-2020/) - Terms and conditions 1.1 This document sets out our standard terms and conditions. It should be read in conjunction with the engagement letter issued to you and your entities by members of pmwPlus[1]. If there are inconsistencies between these terms and conditions and the engagement letter, the engagement letter will prevail. 1.2 Our terms and
- [Financial Planning & Advice](https://pmwplus.com.au/financial-planning-orange-nsw/financial-planning-advice/) - Looking for personal financial planning support and advice? Do you need help with budgeting, cash flow management, savings plans, superannuation or tax planning? We're here to help. The financial advisors at pmwPlus are experts in their field with decades of experience under their belt. The team understand just how difficult it can be to manage
- [Graduate/Under-Graduate Accountant](https://pmwplus.com.au/graduate-under-graduate-accountant/) - Job title: Graduate/Under-Graduate Accountant Hours: Full time is 37.5 hours per week (sometimes more are required due to work demands). Part time is pro rated with a minimum of 3 days or 22.5 hours. Location: Orange office. About pmwPlus With over 50 years serving Central West communities, pmwPlus have earned a reputation for providing
- [pmwMarketing](https://pmwplus.com.au/pmw-marketing/)
- [Accountants Orange](https://pmwplus.com.au/accountants-orange/) - Accountants in Orange, NSW Are you looking for an experienced Accountant in the Orange area? Look no further than pmwPlus! We’re an accounting, tax and business advisory firm based in Orange, Central West, NSW. Accountants Orange - Our Services The team at PMW Plus help business owners make smart decisions. We don’t just prepare financial
- [Personal Branding and Public Relations](https://pmwplus.com.au/pmw-marketing/personal-branding-and-public-relations/) - Why? Because it’s inescapable. And you’re the Captain of your own brand Almost three decades ago, before Facebook, before MySpace and just after ICQ, academic Tom Peters wrote a book titled “The Brand You” where he predicted that we all need to be Captains of our own brand. He said…. “Regardless of age, regardless of
- [Corporate Communications](https://pmwplus.com.au/pmw-marketing/corporate-communications/) - It’s just proper speak for businesses We have a passion for systematic processes and corporate communications. All this means is we like to help create the communication tools businesses need in order to communicate effectively with stakeholders (internally/staff and target audiences/clients/customers). Consistency is so important across all forms of corporate communications. It is key to
- [Campaign and Event Management](https://pmwplus.com.au/pmw-marketing/campaign-and-event-management/) - Make the most of your investment Have a big launch event or new product about to hit the market? Maybe you’re facing a specific marketing problem you need assistance with? Maximise your investment by engaging a campaign manager. We at pmwMarketing have experience working on a variety of business-to-business (B2B) and business-to-consumer (B2C) campaigns and
- [Social Media Strategy](https://pmwplus.com.au/pmw-marketing/social-media-strategy/) - Take control of your digital footprint Do you have trouble understanding how to manage your social media? Or ever wonder if you’re posting the right thing? Having a social media policy and strategy in place can help you sort these very two problems. The digital engagement of a business with its online community believe it
- [Marketing Workshops](https://pmwplus.com.au/pmw-marketing/marketing-workshops/)
- [pmwMarketing: Testimonials](https://pmwplus.com.au/pmwmarketing-testimonials/) - "I highly recommend working with pmwMarketing" I went to pmwMarketing to create a 12 month marketing plan and strategy for my new brand. After completing a half-day workshop with Brenton & Bo, I walked away with new strategies and further clarification of where I wanted to take my brand in the marketplace. Working with Bo
- [Corporate Social Responsibility](https://pmwplus.com.au/corporate-social-responsibility/)
- [Price Packages](https://pmwplus.com.au/price-packages/)
- [404](https://pmwplus.com.au/404-2/) - Page not found Sorry, we couldn't find the page you were looking for.
- [Strategic Business Consulting in Orange, NSW](https://pmwplus.com.au/strategic-business-consulting-in-orange-nsw/) - Strategic Business Consulting Orange and Central West Are you in the Orange and Central West and looking to make some significant changes to your business structure, culture, operations, management or marketing? Look no further than PMW Strategic! PMW Plus is not just an accounting, tax and business advisory firm. We also have a dedicated team
- [Packages](https://pmwplus.com.au/packages/) - Itaque earum rerum At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti quos dolores et quas molestias excepturi sint occaecati cupiditate non provident, similique sunt in culpa qui officia deserunt mollitia animi, id est laborum et dolorum fuga. Et harum quidem rerum facilis est et expedita distinctio.

## Fixed Price Packages

- [Full day strategic marketing workshop](https://pmwplus.com.au/fixed-price-packages/full-day-strategic-marketing-workshop/)
- [Deep Dive Strategic Marketing Plan](https://pmwplus.com.au/fixed-price-packages/deep-dive-strategic-marketing-plan/)
- [Half Day Marketing Workshop](https://pmwplus.com.au/fixed-price-packages/half-day-marketing-workshop/)

## Testimonials

- [Peter Finn](https://pmwplus.com.au/testimonials/peter-finn/)
- [Neil Southcombe](https://pmwplus.com.au/testimonials/neil-southcombe/)
- [Jacqui Hayes](https://pmwplus.com.au/testimonials/jacqui-hayes/)
- [Karyn Sullivan](https://pmwplus.com.au/testimonials/karyn-sullivan/)
- [Gai McBurnie, Farmer and happy customer](https://pmwplus.com.au/testimonials/gai-mcburnie-farmer-and-happy-customer/)
- [Dean Budd](https://pmwplus.com.au/testimonials/dean-budd/)
- [Jen A, Happy Home Owner](https://pmwplus.com.au/testimonials/jen-a-happy-home-owner/)
- [Chloe Whitney, Happy Home Owner](https://pmwplus.com.au/testimonials/chloe-whitney-happy-home-owner/)
- [Clint Harwood, Happy Home and Investment Property Owner](https://pmwplus.com.au/testimonials/clint-harwood-happy-home-and-investment-property-owner/)
- [Grace Rummery, Happy Home Owner](https://pmwplus.com.au/testimonials/grace-rummery-happy-home-owner/)
- [Ben Chopping, Director at Kanwhen Pty Ltd](https://pmwplus.com.au/testimonials/ben-chopping-director-at-kanwhen-pty-ltd/)
- [Thomsons Denture Clinic](https://pmwplus.com.au/testimonials/thomsons-denture-clinic/)

## Team Members

- [Mark Bettinzoli](https://pmwplus.com.au/team-members/mark-bettinzoli/)
- [Jacob Tyack](https://pmwplus.com.au/team-members/jacob-tyack/)
- [Nikolas Kraljevic](https://pmwplus.com.au/team-members/nikolas-kraljevic/)
- [Nathan Byrne](https://pmwplus.com.au/team-members/nathan-byrne/)
- [Glenn Atkinson](https://pmwplus.com.au/team-members/glenn-atkinson/)
- [Graham Spalding](https://pmwplus.com.au/team-members/graham-spalding/)
- [Weston Ryan](https://pmwplus.com.au/team-members/weston-ryan/)
- [Hannah Voican](https://pmwplus.com.au/team-members/hannah-voican/)
- [Luci Hazzard](https://pmwplus.com.au/team-members/luci-hazzard/)
- [William Richard](https://pmwplus.com.au/team-members/william-richard/)
- [Julie Mastronardi](https://pmwplus.com.au/team-members/julie-mastronardi/)
- [Matt Derham](https://pmwplus.com.au/team-members/matt-derham/)
- [Ray Miller](https://pmwplus.com.au/team-members/ray-miller/)
- [Dan Miller](https://pmwplus.com.au/team-members/dan-miller/)
- [Deborah Harper](https://pmwplus.com.au/team-members/deborah-harper/)
- [Mark Baker](https://pmwplus.com.au/team-members/mark-baker/)
- [Olivia Duncan](https://pmwplus.com.au/team-members/olivia-duncan/)
- [Robert White](https://pmwplus.com.au/team-members/robert-white/)
- [Amanda Stibbard](https://pmwplus.com.au/team-members/amanda-stibbard/)
- [Pamela Lewis](https://pmwplus.com.au/team-members/pamela-lewis/)
- [Sabita Nepal](https://pmwplus.com.au/team-members/sabita-nepal/)
- [Krischelle McFall](https://pmwplus.com.au/team-members/krischelle-mcfall/)

## Mail Posts

- [GST invoicing changes are coming!](https://pmwplus.com.au/mail-posts/gst-invoicing-changes-are-coming/) - New rules modernising GST invoicing and record-keeping requirements will apply from 1 April 2023. The key change is removing the requirement to issue and hold a “tax invoice” document (which meets certain prescribed requirements on details required), and instead having GST requirements met provided specific GST information is held through various business records,
- [Let’s talk tax: changes to GST and KiwiSaver](https://pmwplus.com.au/mail-posts/lets-talk-tax-changes-to-gst-and-kiwisaver/) - GST Goods that are exported from New Zealand can be zero-rated, with GST being able to be claimed on purchases or expenses incurred in providing those exports. Recent changes to the GST rules which impact the export of goods include: where goods are imported or exported, the domestic (New Zealand) transport portion of the goods
- [Inflation and the cost of living](https://pmwplus.com.au/mail-posts/inflation-and-the-cost-of-living/) - The irony of two years’ trying to keep the economy as healthy as the population, is that the economy is currently running well enough but ordinary New Zealanders can’t keep up. Soaring global inflation is predicted to ease from later this year. The Budget introduces measures designed to get New Zealanders through the meantime. Reductions
- [Managing farm debt](https://pmwplus.com.au/mail-posts/managing-farm-debt/) - If you’re feeling uncertain about your next year of farming, you’re not alone. Farmer confidence is at its lowest point in 13 years with more than 11% of respondents to a Federated Farmers survey expecting a drop in profit over the next 12 months. On a more positive note, when Federated Farmers asked members about
- [How to maximise damaged crops](https://pmwplus.com.au/mail-posts/how-to-maximise-damaged-crops/) - If you’ve been adversely affected by this year’s wet weather, the Foundation for Arable Research (FAR) can help you figure out how to make the most of your damaged crop. FAR Board Chair Steven Bierema and CEO Alison Stewart met with grower representatives in May for a post-harvest look at grain drying and seed cleaning facilities. These
- [Keeping tabs on stressed staff and why you need to check in](https://pmwplus.com.au/mail-posts/keeping-tabs-on-stressed-staff-and-why-you-need-to-check-in/) - A Southland counsellor researching mental health issues facing young men in the rural sector has confirmed what she suspected: there’s a perception of shame in speaking up. “Young rural men don’t seek help,” says Kathryn Wright. “They suffer in silence.” As the wife of a Te Anau deer farmer and mother of a shepherd, Kathryn’s
- [Fewer accidents = less financial strain](https://pmwplus.com.au/mail-posts/fewer-accidents-less-financial-strain/) - New Zealanders are among the best in the world at looking after their livestock and crops, but are we missing something when it comes to looking after our people? In 2020, there were more than 22,700 farm-related ACC injury claims, which came at a recovery cost of $84 million. That’s over 60 farmers injured every
- [Why it’s important to define roles in a family-owned business](https://pmwplus.com.au/mail-posts/why-its-important-to-define-roles-in-a-family-owned-business/) - Whether you’re running a small family business or one that employs dozens of people, defining roles and governance is vital for any SME. The basic roles in a company include ownership, governance, management, and operational. Setting out a clear structure can bring long-term benefits and prepare your company for growth. Ownership aside from literally
- [Building trust through branding](https://pmwplus.com.au/mail-posts/building-trust-through-branding/) - When it comes to the public perception of your business, creating a brand that resonates with the right audience is key. A logo isn’t just a picture to represent your company, Case In Point Design’s Zoe Sizemore describes it as a ‘communication tool’. “Good marketing is all about repetition,” says Zoe, a graphic designer with 18
- [Mastering the art of Instagram](https://pmwplus.com.au/mail-posts/mastering-the-art-of-instagram/) - If you’re already on Instagram, then you’re among the 1.4 billion users making it the fourth most ‘active’ social media platform. With a more visual format, it’s also one of the easiest to get right. Here’s the latest insight from Insta expert, Tasha Meys, who co-hosts the top ranked Instagram podcast: Ace The Gram. Q:
- [9 things you need to know before you blog](https://pmwplus.com.au/mail-posts/9-things-you-need-to-know-before-you-blog/) - If you’re on a tight budget, blogs are an effective way to build trust, boost your reputation, and provide value advice while subtly promoting your business. Not a writer? Too hard basket? Spending time pulling together a few words to educate, inform, inspire your customers or clients is worth the effort. 1. Blog writing is
- [Take a targeted approach with Facebook](https://pmwplus.com.au/mail-posts/take-a-targeted-approach-with-facebook/) - Gone are the scattergun style leaflet drops. Now, Facebook targeted advertising allows you to choose your audience and track the success of each post. Facebook automatically shows your ads to people most likely to find them relevant, but you can also further target your ad delivery in three ways. Core Audiences: Define an audience based on
- [Which social media platform is right for me?](https://pmwplus.com.au/mail-posts/which-social-media-platform-is-right-for-me/) - Facebook – the original platform for brands looking to attract Baby Boomers and Gen X (people aged 40 – 70). Twitter – where you can chime in on any conversation. Pinterest – more female-focused with content on design, fashion, fitness, lifestyle, and food. Instagram – your best photos and video clips for the older millennial demographic (people aged mostly
- [This week’s to do list](https://pmwplus.com.au/mail-posts/this-weeks-to-do-list/) - 1. Commit to moving your online marketing forward No excuses. This is important. 2. Actively invite followers A sign on the counter, cross platform promotion, or simply ask. 3. Conduct casual research Ask people, “How did you find us?” So simple yet so valuable. 4. Reassess How do your social posts stack up? Wordy? Overly
- [Top tips for running a thriving family business](https://pmwplus.com.au/mail-posts/top-tips-for-running-a-thriving-family-business/) - There are so many upsides to running a family business: working together as a close-knit unit and sharing the good times together. However, being in charge of one can be complicated as you juggle company interests with those of your loved ones. Family is loyal and dedicated, but problems can arise when emotions get in
- [The key to succession planning success](https://pmwplus.com.au/mail-posts/the-key-to-succession-planning-success/) - So you’ve created your company from nothing, put years of blood, sweat and tears into its success, and retirement is just around the corner. What do you do next? If you’re one of the lucky people who have an exit strategy, congratulations. If you’re unsure what will happen, it’s time to think about succession
- [The benefits of family advisory boards](https://pmwplus.com.au/mail-posts/the-benefits-of-family-advisory-boards/) - Every business, large or small, deserves to be run as professionally as possible. By setting up the right structure you can give your family business the best chance of success. While the family knows your business inside out, it can be helpful to have independent parties on hand to provide an external perspective.
- [Tough choices under proposed water reforms](https://pmwplus.com.au/mail-posts/tough-choices-under-proposed-water-reforms/) - Changes proposed to drinking water, wastewater, and stormwater legislation are ruffling feathers in rural communities. If adopted, the Three Waters Reforms could mean water systems, currently owned and originally set up by locals to supply each other with water, will be run by four new entities and regulated by a new authority, Taumata Arowai. What
- [What’s in it for business?](https://pmwplus.com.au/mail-posts/whats-in-it-for-business/) - While some cost of living and climate initiatives may assist businesses, certain industry priorities are targeted specifically: Financial support for employers to retain and take on new apprentices is extended until end December 2023 Funding for Industry Transformation Plans (ITPs) includes allocations for the Construction Sector Accord Transformation Plan, the Advanced Manufacturing Plan, the Agritech
- [Broadband Infrastructure](https://pmwplus.com.au/mail-posts/broadband-infrastructure/) - $60 million is allocated to improve broadband in under-served areas of the country. Given how many New Zealand businesses are small and how many start up and carry on in rural areas, this may be a welcome leg up to frustrated business owners trying to grow online presence and streamline access to online services and
- [Climate](https://pmwplus.com.au/mail-posts/climate/) - Climate change initiatives in Budget 2022 follow the Government’s recently released Emissions Reduction Plan, and several initiatives have already been announced in that plan. $2.9 billion of funding (sourced from cash proceeds from the Emissions Trading Scheme) is allocated to investments to be made by the Climate Emergency Response Fund (CERF), such as: a vehicle
- [Hotmilk a hit on the global stage](https://pmwplus.com.au/mail-posts/hotmilk-a-hit-on-the-global-stage/) - When long-time friends Lisa Ebbing and Ange Sloan teamed up to launch fashion-forward maternity lingerie, they had a global brand in mind. Now, just 7% of their business is local with international sales streaming in via their thriving website and the 300 stores across the globe selling their provocative but practical products. Here’s what Lisa and Ange have to
- [Business Growth Fund](https://pmwplus.com.au/mail-posts/business-growth-fund/) - There’s $100 million in capital funding for the new Business Growth Fund for SME businesses needing money to grow. The Government will buy minority stakes in small businesses that want to expand, investing alongside banks. Banks will refer businesses “where equity finance would be more appropriate than debt finance”, Minister for Small Business, Stuart Nash,
- [JobKeeper changes coming this September](https://pmwplus.com.au/mail-posts/jobkeeper-changes-coming-this-september/) - The government has announced changes to the JobKeeper scheme. The Treasury’s review found that the subsidy was still “needed” but required a “test to ensure that JobKeeper is well targeted”. Be prepared This means there will be changes to your current situation and your entitlements will be affected. The details of the changes are being

## Mail Templates

- [Tax time is coming around again](https://pmwplus.com.au/mail-templates/tax-time-is-coming-around-again/) - Hey How’s business been? This is just a friendly reminder that [name event, such as tax time] is coming up again, and we’re currently booking our clients. If you’d like us to help you with your [name of event] or any other accounting activities, please reach out to let us know. We anticipate a busy
- [Met you at [event]](https://pmwplus.com.au/mail-templates/met-you-at-event/) - I would love to chat more about how we can help you Dear We met [list approximate time frame, such as last week] at the [event or location]. It was great to hear about [refer to something they said in your conversation]. Based on our conversation, I thought you might be interested in learning more
- [Would you endorse us with a testimonial?](https://pmwplus.com.au/mail-templates/would-you-endorse-us-with-a-testimonial/) - Hi I’m reaching out to you because I’ve really enjoyed working with you, it’s clients like you that make this job worthwhile and rewarding! We’d really appreciate a testimonial from you that we will place on our website and social media. If you are interested, could you please email me with your feedback on working
- [Would give us a Case Study?](https://pmwplus.com.au/mail-templates/would-give-us-a-case-study/) - Hi I hope you’re well. We’re looking to add case studies from our valued clients to our website and use them in our marketing. We’d love to interview you and get your feedback, is that alright? I’ll ask you a few questions about why you chose us, how you’ve found it working with us, and
- [We’d appreciate your Google review](https://pmwplus.com.au/mail-templates/wed-appreciate-your-google-review/) - Hi I’m reaching out to you because I’ve really enjoyed working with you over the last little while. Clients like you make this job incredibly worthwhile and rewarding. Google has become really important for how we continue to grow your firm name. I’d really appreciate it if you’d take a couple of minutes to leave
- [Asking Clients for Referrals](https://pmwplus.com.au/mail-templates/asking-clients-for-referrals/) - Hi Thanks for choosing us as your accountant/bookkeeper. We love working with you and we’d love to have more clients like you. We rely on referrals from our clients to help us grow our business. With that in mind, is there anyone in your network you think we could help? If so, would you mind
- [Our holiday hours](https://pmwplus.com.au/mail-templates/our-holiday-hours/) - Subject line: We’ll be closed between (date) and (date) Preview line: We hope you have a relaxing holiday, too! Hi (first name), It’s hard to believe it’s the holiday season once again! We’d like to extend a hearty thank you for all your support this year. Our firm will be closed from (date) to (date),
- [Learn more about our virtual CFO services](https://pmwplus.com.au/mail-templates/learn-more-about-our-virtual-cfo-services/) - Subject line: Are you ready to take your business to the next level? Hi (first name) At (firm name), we work with clients like you, to help them accelerate their growth, scale their operations and take their business to the next level. Our expertise lies in helping businesses in (industry or niche) grow their business,
- [Email to client – Book your spot in our [webinar/seminar/special event] today](https://pmwplus.com.au/mail-templates/email-to-client-book-your-spot-in-our-webinar-seminar-special-event-today/) - Hi (Their name), [Your firm name] is excited to host a [webinar/seminar/special event] designed to help business owners [or your target client] like you better understand their finances [or their specific pain point]. At our event, we’ll be sharing tips on [share top goals for the event, such as hiring and recruiting top employees or
- [Email to a lead to promote an event](https://pmwplus.com.au/mail-templates/email-to-a-lead-to-promote-an-event/) - Book your spot at our event today Hi Are you looking for ways to [share top goals for the event, such as eliminating payroll headaches, remaining compliant, managing payroll more effectively]? If so, you’re not alone. We’ve talked to many people who have the same questions as you. That’s why we’re hosting an upcoming [webinar/seminar/special
- [Spaces are limited, don’t miss your chance to take part in our [webinar/seminar/special event]](https://pmwplus.com.au/mail-templates/spaces-are-limited-dont-miss-your-chance-to-take-part-in-our-webinar-seminar-special-event/) - Hi (Their name), We’re thrilled that people are excited about our [webinar/seminar/special event] that they’re snapping up seats. We want to make sure you don’t miss your opportunity to join us! If you want to learn about [share top goals for the event, such as increasing revenue, saving money on taxes], join us on [include
- [Ready to grow your business?](https://pmwplus.com.au/mail-templates/ready-to-grow-your-business/) - Hi (first name) If you have a lot on your plate with limited hours to take care of everything, we’re here to help. Our Business Advisory services are designed to support your business growth. We’ll work with you to monitor your business performance and translate your numbers into clear language. We use and recommend smart
- [If you already have a lot on your plate, we can help you.](https://pmwplus.com.au/mail-templates/if-you-already-have-a-lot-on-your-plate-we-can-help-you/) - Hi (First name) Our business advisory services help you make the critical decisions vital to your success. Get in touch with us by phone or email to book a free discussion on taking your business to the next level. Many thanks, Your name
- [Promote virtual CFO services](https://pmwplus.com.au/mail-templates/promote-virtual-cfo-services/) - Subject line: Are you ready to take your business to the next level? Preview line: Learn more about our virtual CFO services Hi (first name) Do you feel you’ve got a full handle on your company’s finances? At (firm name), we work with clients like you, to help them accelerate their growth, scale their operations
- [Asking for a review on Facebook](https://pmwplus.com.au/mail-templates/asking-for-a-review-on-facebook-2/) - Hi {First Name} I’m reaching out to you because I’ve really enjoyed working with you over the last {time period}. It’s clients like you that make this job worthwhile and rewarding! Facebook has become really important for how we continue to grow {firm name}. I’d really appreciate it if you’d take a couple of minutes
- [Asking for a review on Google](https://pmwplus.com.au/mail-templates/asking-for-a-review-on-google-2/) - Hi {First Name} I’m reaching out to you because I’ve really enjoyed working with you over the last {time period}. It’s clients like you that make this job worthwhile and rewarding! Google has become really important for how we continue to grow {firm name}. I’d really appreciate it if you’d take a couple of minutes
- [We’d appreciate your feedback](https://pmwplus.com.au/mail-templates/wed-appreciate-your-feedback/) - Hi [subscriber:firstname | default:there] Thank you for your support this year. We are committed to delighting you with our services and response to your needs. We kindly ask you to fill our our short Client Survey to let us know how we’re doing. It should only take a few minutes. Oops! We could not locate
- [Free Business Plan Course](https://pmwplus.com.au/mail-templates/free-business-plan-course/) - Create a bulletproof business plan Everything moves so quickly when you’re running a business. Before you know it, you can be on a totally different path to the one you envisioned. A business plan is like a roadmap. It helps guide your business, direct your staff and keep you on track to reach your goals.
- [Want to grow your business?](https://pmwplus.com.au/mail-templates/want-to-grow-your-business/) - Get a clear picture of what’s really going on in your business Do you find it hard to figure out what’s really going on in your business? Have you ever looked at your Profit & Loss or Balance Sheet and wondered what the numbers all mean? We can help. If you’re like most business owners,
- [Free Course: Increase profits and keep more cash in your business](https://pmwplus.com.au/mail-templates/free-course-increase-profits-and-keep-more-cash-in-your-business/) - Take our course to increase profits and improve cashflow We know cashflow is the lifeblood of every business and it’s not a nice feeling to experience the cashflow squeeze. We’re committed to helping entrepreneurs build successful businesses that are profitable and cashflow positive. We’ve put together a 7 step course full of our tips on
- [Free COVID-19 resources for your business](https://pmwplus.com.au/mail-templates/free-weekly-digests-for-your-business/) - Hi [subscriber:firstname | default:] We’ve put together a page of COVID-19 resources (link to your COVID-19 resources page) which you may find helpful. There’s information about government help available plus articles and tools to help with cash flow, staff and remote working and other business topics. If you need help with anything during this difficult
- [We’re here to help during the COVID-19 crisis](https://pmwplus.com.au/mail-templates/were-here-to-help-during-the-covid-19-crisis/) - Hi [subscriber:firstname | default:] Clearly this is an incredibly tough times for business owners. I just wanted to let you know we’re here to help. If you want to chat about your business, finances or what help is available from the government and other places, let’s make a time. Let me know when works for
- [Webinar recording – How to market and sell remotely](https://pmwplus.com.au/mail-templates/webinar-recording-how-to-market-and-sell-remotely/) - Thanks for registering for the How to market and sell remotely webinar. For those who came along to the live session – we hope you found it useful. For those who couldn’t make it, the recording is below for you to watch. Useful links The following resources were mentioned during the webinar, which you might
- [Our new website is live!](https://pmwplus.com.au/mail-templates/our-new-website-is-live/) - We’re so proud to announce our new website is live! We’re really excited to launch our new website which you can check out here ADD LINK We hope you like the fresh look. After a few months of planning and editing, we are really proud to reveal the results. The site features a crisp, new
- [How to market and sell remotely – free webinar](https://pmwplus.com.au/mail-templates/how-to-market-and-sell-remotely-free-webinar/) - We’ve teamed up with the company that helps with our website and marketing to bring you a free webinar on how to market and sell remotely. They’ve been 100% remote for seven years but have built a global business and they want to share how they did it with you. I’ve attended webinars from them
- [Asking for a review on Facebook](https://pmwplus.com.au/mail-templates/asking-for-a-review-on-facebook/) - Hi {First Name} I'm reaching out to you because I've really enjoyed working with you over the last {time period}. It's clients like you that make this job worthwhile and rewarding! Facebook has become really important for how we continue to grow {firm name}. I’d really appreciate it if you’d take a couple of minutes
- [Asking for a review on Google](https://pmwplus.com.au/mail-templates/asking-for-a-review-on-google/) - Hi {First Name} I'm reaching out to you because I've really enjoyed working with you over the last {time period}. It's clients like you that make this job worthwhile and rewarding! Google has become really important for how we continue to grow {firm name}. I’d really appreciate it if you’d take a couple of minutes
- [Asking for website testimonials](https://pmwplus.com.au/mail-templates/asking-for-website-testimonials/) - Hi {First Name} I'm reaching out to you because I've really enjoyed working with you over the last {time period}. It's clients like you that make this job worthwhile and rewarding! We are building a new website and we'd really appreciate a testimonial/endorsement from you that we will place on our website and social media.
- [Asking for referrals - general](https://pmwplus.com.au/mail-templates/asking-for-referrals-general/) - Hi {First Name} Our firm relies on referrals from valued clients like you to continue to grow. Would you consider referring {Your Firm Name} to someone you know who would find our services valuable? Optional - describe the exact type of lead you’re looking for. Example: {A good referral for us is an owner operator
- [We'd love more clients like you](https://pmwplus.com.au/mail-templates/wed-love-more-clients-like-you/) - Hi {First Name} We’ve really enjoyed working with you on {project} and we’d love to have more clients like you. Do you know of any other business owners that would appreciate our services? We offer all new referrals a {free hour} consult where we discuss their business and how we can help. If you know
- [Invitation to a free event for {local businesses or local  businesses}](https://pmwplus.com.au/mail-templates/invitation-to-a-free-event-for-local-businesses-or-local-businesses/) - Hi {First Name} Would you like to discover how business like yours overcome {insert pain point you’ll cover in the event} and {insert great outcome you’re going to demonstrate to them} (for example: Would you like to discover how local cafe’s like yours overcome payroll and HR issues by using cloud apps to get rid
- [When {Client X} used the {insert your service name} we got {result}](https://pmwplus.com.au/mail-templates/when-client-x-used-the-insert-your-service-name-we-got-result/) - Hi {First Name} We’ve worked with several businesses like yours and the key issues for them are: Pain Point 1 Pain Point 2 Pain Point 3 Does this sound familiar? In response, we created the {insert your service name}. When {Client X} used the {insert your service name} we got {result} for them. I think
- [When we worked with {client x} we got {result}](https://pmwplus.com.au/mail-templates/when-we-worked-with-client-x-we-got-result/) - Hi {First Name} When {Your Firm Name} worked with {Client X} we got {result} for them. Would you be free on {time and date} to chat about how this could work for your business as well? Cheers, {Your name}
- [Following up meeting you at {insert event or conference}](https://pmwplus.com.au/mail-templates/following-up-meeting-you-at-insert-event-or-conference/) - Hi {First Name} It was great meeting you at {event or conference name}. Would you like to receive our {Business Newsletter / Lead Magnet}? A lot of our clients have said they find it useful. Best, {Your name}
- [How we help restaurants like {Their Company Name}](https://pmwplus.com.au/mail-templates/how-we-help-restaurants-like-their-company-name/) - Hi {First Name} I’m reaching out because {explain how you relate to them} (example: I saw your company online, we work with a lot of restaurant owners). {Your Firm Name} has a service that will help your team at {Their Company Name}. We’ve helped companies like yours {improve their profitability, become cashflow positive and secure
- [Business idea that could improve your profitability by {X} in {6 months}](https://pmwplus.com.au/mail-templates/business-idea-that-could-improve-your-profitability-by-x-in-6-months/) - Hi {First Name} I have a business idea to help {Their Company Name} enhance its {profitability} (or insert thing you can help them with). This same concept has helped other businesses such as {Client X} (works best if they would know the client you mention) improve their profitability by {X} in the last {6 months}
- [Would you give a Google review?](https://pmwplus.com.au/mail-templates/would-you-give-a-google-review/) - Hi {First Name} I'm reaching out to you because I've really enjoyed working with you over the last {time period}. It's clients like you that make this job worthwhile and rewarding! Google has become really important for how we continue to grow {firm name}. I’d really appreciate it if you’d take a couple of minutes
- [Would you endorse us?](https://pmwplus.com.au/mail-templates/would-you-endorse-us/) - Hi {First Name} I'm reaching out to you because I've really enjoyed working with you over the last {time period}. It's clients like you that make this job worthwhile and rewarding! We are building a new website and we'd really appreciate a testimonial/endorsement from you that we will place on our website and social media.
- [Business idea that could improve your profitability by {X} in {X months}](https://pmwplus.com.au/mail-templates/business-idea-that-could-improve-your-profitability-by-x-in-x-months/) - Hi {First Name} I have a business idea to help {Their Company Name} enhance its {profitability} (or insert thing you can help them with). This same concept has helped other businesses such as {Client X} (works best if they would know the client you mention) improve their profitability by {X} in the last {6 months}

## Resources

- [Growth checklist](https://pmwplus.com.au/resources/growth-checklist/) - Are you ready to start growing your business? Checklist Use this checklist to assess your current business growth strategies and identify new opportunities for expansion. Each section outlines key actions that successful businesses take to strengthen customer relationships, attract new clients, expand into new markets, and improve profitability. Check off the strategies you’re already implementing
- [Start-up checklist](https://pmwplus.com.au/resources/start-up-checklist/) - Are you ready to start your business? Checklist Starting a business requires careful planning and preparation to improve your chances of success. This checklist breaks the start-up process into six key areas, helping you stay organized and focused. It covers everything from validating your business idea and financial feasibility to legal compliance, competitive positioning, and
- [Business productivity checklist](https://pmwplus.com.au/resources/business-productivity-checklist/) - Can you be more efficient? Checklist Building a productivity plan takes time, but a well-structured approach can help you streamline operations, improve efficiency, and maximize results. Use this checklist to identify key areas that impact your business and create a schedule to implement improvements. Small, consistent changes can lead to significant long-term gains. Download (PDF)
- [Creating cash reserves checklist](https://pmwplus.com.au/resources/creating-cash-reserves-checklist/) - How can you create an emergency fund? Checklist Cash in the bank acts as a buffer and can help you better weather the ups and downs you may encounter in running your business. Reserve cash buys you more time if things go wrong, and it allows you to experiment and test new ideas without needing
- [Business Plan Diagnostic](https://pmwplus.com.au/resources/business-plan-diagnostic/) - The business plan diagnostic is an easy-to-use tool designed to assess how well developed your business plan is to help you succeed in your new business.
- [Start-up costs template](https://pmwplus.com.au/resources/start-up-costs-template/) - How much will it cost to start-up your business? Template The start-up cost template can help you decide how much money you’ll need to have before you start up your new business. Download (PDF) Download (XLSX)
- [Profit increase template](https://pmwplus.com.au/resources/profit-increase-template/) - How can you make more money? Template Your profit increase calculator helps you discover how much extra profit your business could make. It makes it easy to look at how minor improvements in your reach, conversion rate or repurchase rate can translate into increased profits. Download (PDF) Download (XLSX)
- [Charge out rate template](https://pmwplus.com.au/resources/charge-out-rate-template/) - How much should you charge? Template Your Charge Out Rate Template helps you work out how much your business should charge customers, in order to cover your costs and reach your desired level of income. Enter your desired income, costs of labour and the number of hours your employees will work. Download (PDF) Download (XLSX)
- [Business plan template](https://pmwplus.com.au/resources/business-plan-template/) - Plan for the future Template You need a business plan to outline your pathway when you start or grow your business. Use our free template to write your business plan. You’ll find extra guidance in this template to help you fill in each topic. Download (PDF)
- [Cashflow forecast template](https://pmwplus.com.au/resources/cashflow-forecast-template/) - Will you be able to pay your bills month by month? Template This template, helps you to make decisions by forecasting sales, estimating expenses, and predict cash flow in and out. Download (XLSX)
- [SWOT analysis template](https://pmwplus.com.au/resources/swot-analysis-template/) - What can you improve in your business? Template Use our SWOT (Strengths, Weaknesses, Opportunities, and Threats) Template to document the parts of your business that need improving, and parts that provide you true competitive advantage. Complete the template to identify the practical steps you can take to build a better business. Download (PDF)
- [Product pricing  template](https://pmwplus.com.au/resources/product-pricing-template/) - How much should you charge? Template Your Product Pricing Template can help you calculate how much you should sell your offerings for, in order to make the margin you want. You’ll be able to add in all your costs, plus whatever sales taxes you need to pay in your area. Download (PDF) Download (XLSX)
- [Break even  template](https://pmwplus.com.au/resources/break-even-template/) - How much money do you need to make? Template So you have a general idea of how much you’d like your business to earn each year – and you’ve got a viable product or service. Our break-even calculator is a simple tool you can use to work out how much you need to sell in
- [Profit & loss statement template](https://pmwplus.com.au/resources/profit-loss-statement-template/) - Did you make any money? Template Profit and loss statements are also known as income statements or a P&L. It records your income and expenses costs over a set time period (usually a year). Download (PDF) Download (XLSX)
- [Employee cost template](https://pmwplus.com.au/resources/employee-cost-template/) - What’s the real cost of adding employees into your business? Template Use this Employee Cost Template to calculate the real cost of adding employees into your business. It can help you work out the annual cost of hiring a new employee by adding their hourly wage or annual salary to additional costs they may incur.
- [How to start a business on a limited budget](https://pmwplus.com.au/resources/how-to-start-a-business-on-a-limited-budget-2/) - So you have a great business idea and are convinced you can make it work, but you don't have much capital to get your business off the ground. Juggling existing financial commitments such as a mortgage or bank loans could put a squeeze on your business plans. A growing number of entrepreneurs are using creative
- [How to develop new products and services](https://pmwplus.com.au/resources/how-to-develop-new-products-and-services/) - Markets are dynamic and constantly evolving so no business can afford to stand still. No matter how excellent your products or services, they have a finite lifespan, so they must be developed or replaced if you’re to continue growing your business. New products and services are the hallmarks of a go-ahead business. Improvements and extensions
- [Build and grow your online revenue stream](https://pmwplus.com.au/resources/build-and-grow-your-online-revenue-stream/) - If you’re in retail, there’s money to be made online and it’s important your new business finds its place in the online market. Survey your regular customers Many retail businesses are now offering online shopping features. Their keys to success involve measuring the market first to make sure their time, money and effort bring about
- [Protect Yourself and Your Data – Proactive Steps for Living Safely in the Digital Age](https://pmwplus.com.au/resources/protect-yourself-and-your-data-proactive-steps-for-living-safely-in-the-digital-age/) - These days your personal data is everywhere, and that information is valuable to marketers, hackers and everyone in between. If you want to prevent the unauthorized use of your personal information, you need to take a proactive approach to protecting yourself and your identity. You can no longer afford to be blasé about your data
- [Which accounting software fits your business best?](https://pmwplus.com.au/resources/which-accounting-software-fits-your-business-best-5/) - Accounting software is readily available at brick-and-mortar and online stores alike. As with any business decision, you’ll want to make sure to select accounting software that is a good fit for your business. Use these tips to choose the right accounting software for your operation. Assess your needs When shopping for software, it’s tempting to
- [How to value a small business](https://pmwplus.com.au/resources/how-to-value-a-small-business-2/) - If you’re buying or selling a small business, it’s critical to know what the business is worth. The challenge is that what you think a business is worth, and what the person on the other side of the fence thinks it is worth, are usually two different figures. In the end, the motivation for both
- [Market Research: What, why and how?](https://pmwplus.com.au/resources/market-research-what-why-and-how/) - A quick guide on how to conduct Market Research Whether you're thinking of starting a new business, considering adding new products, opening a new branch, or increasing the services you offer, it's common sense to research your market to make sure there is sufficient support for your idea. There's little point adding the latest top-of-the-range
- [Why it can pay to buy an existing business](https://pmwplus.com.au/resources/why-it-can-pay-to-buy-an-existing-business-3/) - If you’re looking impartially and unemotionally at the options ahead when starting your own business, you have to admit simply buying one already in operation is incredibly appealing. Not only do you get experienced staff and an existing customer base, you also get established premises, a well-known brand and a network of suppliers thrown into
- [Eight management priorities when you start your business](https://pmwplus.com.au/resources/eight-management-priorities-when-you-start-your-business-2/) - 1. Put together a strong advisory team Starting a business can be a lonely process and thinking you can do it all yourself is the road to extra stress and pressure. Study successful business owners and you’ll find they have surrounded themselves with a strong group of advisers. A typical core team would include an
- [Starting a small business - Frequently Asked Questions](https://pmwplus.com.au/resources/starting-a-small-business-frequently-asked-questions-2-2/) - Here are some of the questions about starting a business that come up frequently. Q: I'm thinking about turning my hobby into a business. Do I have to form a corporation? A: No, you don't have to form a corporation to start a business. There are four basic business structures: sole trader, partnership, trust, and
- [Calculating your break-even point](https://pmwplus.com.au/resources/calculating-your-break-even-point/) - Before you start a business, and perhaps leave a job, try working out if your idea will be worth the risk. If you’re confident there’s a genuine demand for your potential product or service (and at the price you want), the next step is to work out how much you need to sell each month
- [Why do I have to pay tax when I made a cash loss?](https://pmwplus.com.au/resources/why-do-i-have-to-pay-tax-when-i-made-a-cash-loss-5/) - How can there be a profit if the year’s ended with no cash? It’s quite common for businesses to end the year with little or no cash, only to be told by their accountant that they made a profit and must now pay tax. The reason for this is that tax is decided on the
- [Should you lease or buy assets?](https://pmwplus.com.au/resources/should-you-lease-or-buy-assets-2/) - Finding money for the essential assets you’ll need to run your business efficiently can be a challenge. You’ll need to decide whether leasing or buying is best for your business. Is borrowing money essential? Whether you need to purchase a vehicle, some computer equipment, or a bigger warehouse to expand your business or to operate
- [Pricing options for your business](https://pmwplus.com.au/resources/pricing-options-for-your-business-3/) - The prices you charge for your products or services can have a dramatic effect on sales and profits. Your pricing strategy also determines how customers view and respond to your product or service. Consider the different options when it comes to pricing, to make sure your strategy is effective. The main pricing options Since you’re
- [Planning for disaster recovery](https://pmwplus.com.au/resources/planning-for-disaster-recovery-3/) - Anyone who has been through a major earthquake, flood, fire or other disaster can confirm that a lot more could have been done – and should have been done – to lessen the impact. Forethought is the key to recovery. Assessing the risks Meet with staff and advisers to start developing a recovery plan. Set
- [Finding good mentors and business advice](https://pmwplus.com.au/resources/finding-good-mentors-and-business-advice-5/) - Most business owners receive plenty of well-intentioned advice and ‘helpful opinion’ from family and friends. However, good business advice spoken from commercial experience is another matter entirely. That’s not to say it’s hard to find, but finding a reputable source in the Internet age is sometimes less than straightforward – especially if you have a
- [Five top ways to research your market](https://pmwplus.com.au/resources/five-top-ways-to-research-your-market-2-2/) - It's easy to come up with a number of business ideas but to make sure your idea is viable and can be run at a profit, you'll need to do quite a bit of market research. The good news is that doing your own market research is not as hard as it sounds. Here are
- [Creating a promotional plan](https://pmwplus.com.au/resources/creating-a-promotional-plan-2/) - The ideal promotion plan is one that results in clear steps you can put into action immediately. This means concentrating on just the practical, promotional aspects that will lead to results. The good news is that you can do it yourself. Identify your targets Identify the exact types of customers you want to sell to
- [Buying a business how much should you invest?](https://pmwplus.com.au/resources/buying-a-business-how-much-should-you-invest-3/) - It can be easy for your heart to rule your head when you find a business you want to buy. However, if you don't do thorough research before signing on the dotted line, you may regret it. Before buying a business, you need to establish its worth and whether the returns are going to be
- [How to avoid three common profit mistakes](https://pmwplus.com.au/resources/how-to-avoid-three-common-profit-mistakes-2/) - What exactly is profit in a business? This article shows you how to avoid three common profit mistakes that can seriously affect the success of your business. 1. Sales are NOT profit The biggest beginner mistake is assuming that sales are profit. People new to business can easily confuse sales with profit, but there is
- [The power of cash flow forecasts](https://pmwplus.com.au/resources/the-power-of-cash-flow-forecasts-2/) - At some point in its lifetime, every small business suffers from cash flow problems. The trick is to think ahead and figure out when these problems are going to arise, so you don't have to unexpectedly postpone a purchase or hurriedly seek out additional finance. This is where cash flow forecasts come in. To effectively
- [The difference between cash flow and profit](https://pmwplus.com.au/resources/the-difference-between-cash-flow-and-profit/) - Sales and profit are two very different things – as a business owner, you can find yourself without the cash to pay bills despite making sales you knew were profitable. You may also be startled to discover that strong cash flows from sales deliver little profit. What exactly is cash flow? A cash flow forecast
- [Ten steps to successfully franchise your business](https://pmwplus.com.au/resources/ten-steps-to-successfully-franchise-your-business/) - Franchising can be an excellent way of growing your business rapidly and earning a good return. It can also be a pathway for ultimately exiting your business and leaving it in the capable hands of franchisees. Here, we’ll outline ten steps to successfully franchise your business with a view to leaving it behind at some
- [Key drivers to boost profitability and cash flow](https://pmwplus.com.au/resources/key-drivers-to-boost-profitability-and-cash-flow/) - It’s important to identify and monitor the key drivers of your small business to boost profitability and cash flow. Boost profitability by recognizing your key drivers Identifying the key drivers of your business is critical to boosting profitability. A key ‘driver’ is something that has a major impact on the performance of your specific business.
- [Increase your profit in 90 days](https://pmwplus.com.au/resources/increase-your-profit-in-90-days/) - Gaining larger profits depends on accomplishing all the little things better – rather than making one huge change. You’ll need to focus on every little detail to reduce your expenses and increase your sales turnover over the coming 90 days. Decreasing your costs For most small businesses, the easiest way to increase profitability is to
- [How to scale your business for growth](https://pmwplus.com.au/resources/how-to-scale-your-business-for-growth/) - Growing a business is one of the most fundamental goals for all small business owners. Successful businesses are those that are always looking for opportunities to grow and making the most of them. What is scalable growth? Scalable growth involves balancing the increase of your profits against the increasing costs of manufacturing your products or
- [How to increase your profit margins](https://pmwplus.com.au/resources/how-to-increase-your-profit-margins/) - Profit margins are fundamental to business success and growth. How you choose to increase your margins so your business can achieve sustainable development is up to you – but taking small steps on a regular basis will help keep your customers on your side. Increase margins gradually It’s vital you keep a close eye on
- [Grow your business by raising your cash potential](https://pmwplus.com.au/resources/grow-your-business-by-maximizing-your-cash-potential/) - Growth has its risks but a well-designed strategy can deliver stability, security and long-term profits. When it comes to expansion, it’s not always necessary to borrow money. You’d be surprised how your own internal resources can be maximized to provide at least some of the cash you’ll need. An important step is assessing the current
- [Five ways to increase your profit](https://pmwplus.com.au/resources/five-ways-to-increase-your-profit/) - For many small businesses, the best way to improve profitability is to increase turnover, as there’s no limit to sales but there is a limit to how much you can reduce your costs. Let’s look at how you can focus on each of the five ways in our profit increase calculator to achieve your goal
- [Cross-selling and upselling to increase your sales](https://pmwplus.com.au/resources/cross-selling-and-upselling-to-increase-your-sales/) - Both cross-selling and upselling can be useful methods for increasing your business’s sales. But there are also genuine benefits for your customers. They’ll appreciate being offered an item that either complements or adds value to their original purchase. The art of cross-selling Cross-selling is the art of convincing your customers to buy a complementary item
- [Changing your business model](https://pmwplus.com.au/resources/changing-your-business-model/) - Your current business model is the way your business earns money. A change in your business model can bring substantially more income – sometimes for less work and lower overhead costs. Technologies and markets change at an ever-increasing rate, opening new growth opportunities that may just require a shift in your thinking. First, identify your
- [How to set up a cash reserve](https://pmwplus.com.au/resources/how-to-set-up-a-cash-reserve/) - Running a successful business is a juggling act between cash coming in and cash going out. If you’ve built up a cash reserve, you’ll be better able to stay in business and handle short-term issues like falling sales. Build a cash buffer Businesses generally fail because they run out of cash. Cash in the bank
- [Handy tips for improving your cash flow](https://pmwplus.com.au/resources/handy-tips-for-improving-your-cash-flow/) - Cash flow – the lifeblood of any business. The aim of any business owner is to have more cash coming in than is going out. You’re in business to make money, and one of the most effective ways of doing this is to examine your cash flow and look for ways to improve it. You’ll
- [How to reduce your tax bill](https://pmwplus.com.au/resources/how-to-reduce-your-tax-bill/) - Taxes – there’s no avoiding them. But there are ways to reduce the amount you have to pay so that your business is more profitable. All it takes is some preparation, planning, and the advice of a good tax specialist. So one of the first things you need to do is talk to your accountant
- [How to handle debt so you always get paid on time](https://pmwplus.com.au/resources/how-to-handle-debt-so-you-always-get-paid-on-time/) - If your customers owe you money, the faster you’re able to obtain it using effective collection tactics, the better. Ideally, you want to reduce the chance of bad debts and pressure on your business’s cash flow. It can be easy to neglect managing your debtors when you’re busy growing your business, but smart credit control
- [What to do if your business is operating at a loss](https://pmwplus.com.au/resources/what-to-do-if-your-business-is-operating-at-a-loss/) - Operating at a loss simply means you’re spending more money than you’re making. And while it’s not uncommon, especially for new businesses, it’s still not an ideal situation and one that shouldn’t be allowed to continue in the long term. Otherwise, eventually you’ll run out of cash reserves and be out of business. So the
- [When to invest in more equipment](https://pmwplus.com.au/resources/when-to-invest-in-more-equipment/) - Is it time for your business to invest in some new equipment? And if so, is it a smarter business decision and more cost-effective to hire or buy? Why you might need new equipment The right equipment can enhance your processes, productivity, capacity to innovate, and bottom line, but should you buy now or wait
- [How to make your fixed assets work harder and provide a better ROI](https://pmwplus.com.au/resources/how-to-make-your-fixed-assets-work-harder-and-provide-a-better-roi/) - An asset ratio compares your assets to another part of your business. So, you could be comparing assets to revenue, profit, the number of employees or their salaries - whichever you wanted to measure. For example, if your assets/salaries ratio increases, you may have staff over-ordering on equipment. It’s a great ratio to assess the
- [How does depreciation affect small businesses?](https://pmwplus.com.au/resources/how-does-depreciation-affect-small-businesses/) - Depreciation is basically a reduction in the value of an asset over time. What this means for your business is that if you buy a substantial asset like a computer or a car, you can claim a certain amount of the loss of value over time as a business expense. It’s also a method of
- [Get better deals from your suppliers](https://pmwplus.com.au/resources/get-better-deals-from-your-suppliers/) - Being on good terms with suppliers could translate into special deals or preferential treatment. Your suppliers may also give you greater leeway in the face of a cash shortage or when you need extra time to pay. Build the relationship An efficient payment policy is a vital part of building a strong, trust-based relationship with
- [Building an online distribution channel](https://pmwplus.com.au/resources/building-an-online-distribution-channel/) - Online distribution frees you geographically. Where you might have been selling your product or service locally, opening an online distribution channel means you can sell it on a global scale, which is an effective way to grow your business and boost your brand. Identify what you can sell online You’ll have an online presence with
- [Growing your business - checklist](https://pmwplus.com.au/resources/growing-your-business-checklist/) - Once your business is up and running, it’s important not to rest on your laurels. Successful business owners are always looking at ways they can grow their business and maximize their profits. We’ve put together a guide and checklist that can help you identify ways to get the most out of your business. 1. Grow
- [Nine ways to retain great employees](https://pmwplus.com.au/resources/nine-ways-to-retain-great-employees/) - While your tools, skills and reputation allow you to operate, it’s your staff who can often influence your trade business’s progress. Hiring great workers is only half the solution. Once you hire them, you’ve got to retain them. Here’s how. 1. Know your people One of the simplest but most effective actions an employer can
- [Key management skills to grow your business](https://pmwplus.com.au/resources/key-management-skills-to-grow-your-business/) - Most small business owners start out with a good business idea but little concept of what it takes to manage and grow a business. But you can learn and improve your management skills as your business grows. While there isn’t a definitive list of skills, the ones listed below will help you build your initial
- [How to raise capital for your business](https://pmwplus.com.au/resources/how-to-raise-capital-for-your-business/) - Before you go down the path of seeking capital from outside your business, identify any other ways of raising capital. For example, do you have any savings (either in the business or you personally) that you could use? If you have unused assets in the business (machinery that’s not used very often, buildings or excess
- [Ten marketing priorities when you start your business](https://pmwplus.com.au/resources/ten-marketing-priorities-when-you-start-your-business-2/) - 1. Build credibility quickly Why should people buy from a new business? Your first challenge is to overcome their doubts by building trust and credibility quickly. Some tips: Promote your skills and experience, plus those of your staff and associates. Join your industry or professional organization and start building a profile. Commission a writer to
- [Improving the effectiveness of your advertising](https://pmwplus.com.au/resources/improving-the-effectiveness-of-your-advertising/) - As a small business owner, you’ll want to get positive returns on a limited marketing budget. It’s important to monitor the quantity and quality of advertising in order to be as effective as possible. Choose advertising you can monitor It’s impossible to measure the exact returns from investing in building your brand. A familiar saying
- [How to accurately forecast sales](https://pmwplus.com.au/resources/how-to-accurately-forecast-sales/) - Start-ups are at a disadvantage when it comes to their first sales forecast because, clearly, they don’t have any historical data to base it on. But there are still ways to create an accurate sales forecast, and it’s important to do so because it’ll help you work out if your business idea is financially viable.
- [Gain customer loyalty and keep your regulars for life](https://pmwplus.com.au/resources/gain-customer-loyalty-and-keep-your-regulars-for-life/) - Long-standing customers form the backbone of a strong, well-established business. Make it your mission to ensure that the vast majority of your current customers stay with your business for many years to come. Why it's vital to keep existing customers Your current customers already have personal experiences of dealing with your business and using its
- [Ways to identify new markets and customers](https://pmwplus.com.au/resources/ways-to-identify-new-markets-and-customers/) - If you want to grow your business, you’ll need a strategic plan – which should include how you’ll find new customers and get your products or services into new markets. Here’s what you need to know to identify new customers and markets. Finding new customers in existing markets Profile your existing customer base to re-establish
- [Use focus groups to understand your customer](https://pmwplus.com.au/resources/use-focus-groups-to-understand-your-customer/) - Two examples of this effective technique show you how you can set up your own focus groups. The concept of focus groups simply involves gathering a few your target market customers together, and then putting a series of questions to them. It’s best to get an outside person to conduct this type of research, because
- [Testing the market before taking the plunge](https://pmwplus.com.au/resources/testing-the-market-before-taking-the-plunge/) - Coming up with new ideas for your business is essential for growth. And it’s exciting when you’ve got a new product or service to offer. But before you launch your new offering, it’s important to find out if there’ll be a demand for it. So you need to take some time to test the market
- [10 ways to build a competitive advantage](https://pmwplus.com.au/resources/10-ways-to-build-a-competitive-advantage/) - A competitive advantage is something that you offer or have that the competitor does not. There must be some compelling reasons for people to do business with you rather than with other businesses. The need to identify your point of difference is important. The more similar your business is to many others, the greater your
- [Sure-fire marketing plan in eight easy steps](https://pmwplus.com.au/resources/sure-fire-marketing-plan-in-eight-easy-steps/) - If you’re serious about getting the best value you can for your marketing budget, you’ll need to develop a marketing plan. Below we outline eight simple steps for making your marketing efforts more effective. 1. Know your customers Firstly, you need to identify your target market. You probably have an idea of who buys from
- [Identifying your target market](https://pmwplus.com.au/resources/identifying-your-target-market/) - Choosing the best export target(s) for your business is critical because ‘getting it wrong’ can waste time, energy and money. This section provides ideas and information to help you understand the opportunities better and identify the best targets and marketplace. Note that a target can either be a specific customer (like a large company or
- [How to write a customer questionnaire](https://pmwplus.com.au/resources/how-to-write-a-customer-questionnaire/) - Questionnaires provide an excellent way of getting feedback from your customers because everyone is familiar with them and is used to filling them in. You can use the feedback from a well-designed questionnaire to improve your business procedures and your marketing. A questionnaire-based survey should be conducted on your customers at least once a year.
- [Build your marketing plan by creating awareness](https://pmwplus.com.au/resources/build-your-marketing-plan-by-creating-awareness/) - You probably already have a coordinated marketing plan, set prices, and know what you’re doing. However, to create more awareness and increase sales of your offerings, you may need to make some minor adjustments to your overall marketing strategy. Create greater awareness to sell more Even if you’ve got the world’s greatest new product or
- [Be aware of cultural differences within your customer base](https://pmwplus.com.au/resources/be-aware-of-cultural-differences-within-your-customer-base/) - Whichever industry your business is in, cultural differences can have a direct impact on your profitability. If you try to understand the cultures of your customers – their customs and differences – you’ll have a better chance of keeping them and gaining more. By being aware of the key factors that will impact your business,
- [How to pass your business onto a successor](https://pmwplus.com.au/resources/how-to-pass-your-business-onto-a-successor/) - Putting a succession plan in place helps ensure the future stability of your business when you step aside or if unforeseen events happen. Succession plans should be made well in advance if they are to be executed properly, and legal battles are to be avoided. Further benefits of a succession plan include a smooth transfer
- [Deciding to keep your business in the family or to sell up](https://pmwplus.com.au/resources/deciding-to-keep-your-business-in-the-family-or-to-sell-up/) - Planning for the succession of a business is an important and sometimes overlooked part of a business plan. It’s an inevitable period in the lifetime of all successful businesses – so it’s best to weigh up the options early. Keeping your business in the family The most obvious progression is to keep your business in
- [Weighing up succession planning options](https://pmwplus.com.au/resources/weighing-up-succession-planning-options/) - Planning for the succession of a business is an important and sometimes overlooked part of a business plan. It’s an inevitable period in the lifetime of all successful businesses – so it’s best to weigh up the options early. Keeping your business in the family The most obvious progression is to keep your business in
- [Ten steps for a financially successful exit](https://pmwplus.com.au/resources/ten-steps-for-a-financially-successful-exit/) - Successfully exiting a business is a dream for many owners. Follow these ten steps and you’ll be in great shape to make your dream become a reality. Many entrepreneurs desire to build and sell a thriving business. A financially successful exit is certainly achievable, but it requires several years of hard work and planning. Many
- [Planning your exit strategy](https://pmwplus.com.au/resources/planning-your-exit-strategy/) - Whether you complete your business objectives in a year or 20 years from now, or you just feel like you need a change of scenery, leaving a company you built with your own two hands is never easy. You’ve got to consider your employees’ futures, commitments to financial partners and even family – not to
- [Organizing your business for sale](https://pmwplus.com.au/resources/organizing-your-business-for-sale/) - It’s important to start organizing your business for sale as early as possible. Business owners often think about selling during a downward trend but the best time to sell is when your business is in good shape. If you plan ahead, you’ll be readier when the time comes. Decide whether you’ll continue to help the
- [Finding the right successor for your business](https://pmwplus.com.au/resources/finding-the-right-successor-for-your-business/) - Putting a succession plan in place helps ensure the future stability of your business when you step aside or if unforeseen events happen. Succession plans should be made well in advance if they are to be executed properly, and legal battles are to be avoided. Further benefits of a succession plan include a smooth transfer
- [Choosing how to value your business to prepare it for sale](https://pmwplus.com.au/resources/choosing-how-to-value-your-business-to-prepare-it-for-sale/) - Knowing the value of your business is vital should an unexpected buyer come along, and the timing is right for you to sell. You’ll want to get the best price you can so make sure you have an accurate idea of your business’s worth. A business's value is taken from both tangible and intangible factors,
- [How to succeed at succession planning](https://pmwplus.com.au/resources/how-to-succeed-at-succession-planning/) - A succession plan is something every business owner needs to prepare for the inevitable – the day you’ll transfer assets and control of your business to a family member, business partner, employee, or outside buyer. Many business owners put off succession planning for any number of reasons – they’re busy, they don’t like thinking about
- [Will your business idea work?](https://pmwplus.com.au/resources/will-your-business-idea-work-2/) - Coming up with a new idea is exciting, and you probably want to jump straight in and make it happen. But before you invest too much time and money, you need ensure your idea is feasible and likely to give you a reasonable return on investment. Obviously, there are never any guarantees that a business
- [Seven ways to tell if your business idea will succeed](https://pmwplus.com.au/resources/seven-ways-to-tell-if-your-business-idea-will-succeed-2/) - Document the positives in your business plan to persuade both yourself (the most important person) and stakeholders such as lenders, investors, suppliers and potential customers that your business idea is sound. 1. Your idea has a strong point of difference To survive in business, you need a compelling point of difference. Period. Something that clearly
- [Seven revenue priorities when you start your business](https://pmwplus.com.au/resources/seven-revenue-priorities-when-you-start-your-business-2/) - 1. Generate sales as quickly as possible Your first priority when you launch your business is to gain some traction in the market as quickly as possible. Some tips: Ensure you have a compelling point of difference Build and promote your credibility Work for free or less than the normal rate in return for endorsements
- [How much money do you need when starting a business?](https://pmwplus.com.au/resources/how-much-money-do-you-need-when-starting-a-business-2/) - Many people underestimate start-up costs and start their business on the back foot financially. This can mean a long crawl up to your breakeven point and into profitability. Quite often it results in the business never making a profit at all. What you need to do is prepare an estimate of capital costs you will
- [Do you have what it takes to run your own business?](https://pmwplus.com.au/resources/do-you-have-what-it-takes-to-run-your-own-business-2/) - Getting your business up and running and making a profit is usually much more difficult than it sounds. This article focuses on the skills you’ll need to make it happen, either by acquiring these yourself or consulting professionals to help you out. What it really means to be your own boss Being your own boss
- [Calculating start-up costs – how much money do you need?](https://pmwplus.com.au/resources/calculating-start-up-costs-how-much-money-do-you-need/) - Before you start a business, you need to know exactly how much money you’ll need, and where it's coming from. You’re out of business fast if you fall short before you've started. Why you need to plan ahead If you want to see your new business start-up succeed, you can reduce some of the financial
- [Break-even analysis](https://pmwplus.com.au/resources/break-even-analysis/) - The break-even point is the point at which your company makes enough money to cover its costs. Past this point, the company starts to make profit. Finding the break-even point through the analysis of costs is one of the most useful processes an entrepreneur can undertake. It helps you answer questions such as: What volume
- [Work out a price for your service](https://pmwplus.com.au/resources/work-out-a-price-for-your-service-2/) - Many service providers simply pitch their price somewhere near the middle of the prevailing market rate. But it makes sense to calculate your overhead costs and hourly rate to work out what price you should charge to ensure the income from your business meets your expectations. Your overheads The first thing you’ll need to work
- [Work out a price for your product](https://pmwplus.com.au/resources/work-out-a-price-for-your-product-2/) - There are a number of ways to arrive at the price to charge customers. Regardless of which method you use for pricing your product, you'll need to know what it costs to supply your product to be sure you’re able to operate at a profit. Alternatively, you’ll need to know the cost to your business
- [What to include in your business plan](https://pmwplus.com.au/resources/what-to-include-in-your-business-plan/) - A successful business is one that’s built around a solid business plan. It’s the architecture you base your business on, and a tool that’s always in use to make sure you’re on track. A business plan is also something that you’ll be required to share with your bank. For them to lend you money, they’re
- [The importance of business planning](https://pmwplus.com.au/resources/the-importance-of-business-planning-2/) - When you are setting out and everything is moving so quickly, it’s easy to deviate from where you intend to be. If you don’t have a business plan, you might compromise growth or miss out on opportunities by sweating the small stuff and not focusing on what matters most. Having a clear business plan from
- [Pricing strategies to beat the competition](https://pmwplus.com.au/resources/pricing-strategies-to-beat-the-competition/) - How you price can have a dramatic effect on your sales, cash flow, and profit margins. Your pricing strategy will determine how customers see your trade business in the marketplace – naturally comparing your prices with your competitors. What you need to know to build a profitable pricing strategy The prices you charge will influence
- [Preparing a business plan](https://pmwplus.com.au/resources/preparing-a-business-plan-2/) - Your business plan is a management tool and is designed to suit the structure and needs of your particular business. There is not a one-size-fits-all business plan, or a set formula that you have to follow. This leeway to design your own business plan can feel quite daunting at first, but this is easy to
- [Creating value in your business](https://pmwplus.com.au/resources/creating-value-in-your-business/) - The key to building value in your business is to plan the process in a systematic way, whether you’re aiming to grow your business or groom it to get a better price from a buyer. Looking through the eyes of buyers Whether you just want to build a stronger business, or you’re looking ahead to
- [Grow your customer base with the right accounting software](https://pmwplus.com.au/resources/grow-your-customer-base-with-the-right-accounting-software/) - More than just a book-keeper If you’re thinking that your accounting software is there just to look after your finances, chances are you’re missing out on what it can do to grow your customer base – and improve your profit margins. The right accounting software is a tool that can be used to benefit your
- [Six ways to solve 80% of your accounting problems](https://pmwplus.com.au/resources/six-ways-to-solve-80-of-your-accounting-problems/) - Accounting problems can have serious consequences for your business and are definitely worth avoiding. Here we outline six ways to solve the majority of your accounting issues. 1. Know the difference between profit and cash flow If you’re a new business owner, it can be easy to spend money on growing your business rather than
- [Why you need an accountant and how to choose one](https://pmwplus.com.au/resources/why-you-need-an-accountant-and-how-to-choose-one/) - Why accountants are necessary Unless you’re an experienced accountant yourself, it’s always best to have an expert overseeing your financial business affairs. As a business owner, you’ll probably be juggling several roles, but it’s not wise to spread yourself too thin where money is concerned. And even though accounting software does most of the hard
- [The pros and cons of outsourcing bookkeeping and payroll](https://pmwplus.com.au/resources/the-pros-and-cons-of-outsourcing-bookkeeping-and-payroll/) - Wouldn’t you like to be able to reduce your time spent on administrative tasks so you could focus on increasing profits and running your business efficiently? Now might be the right time to contract out bookkeeping and payroll. The pros of outsourcing As your business grows, it might be time to outsource these time-consuming, administrative
- [Why should I move all my accounting to the cloud?](https://pmwplus.com.au/resources/why-should-i-move-all-my-accounting-to-the-cloud/) - What’s ‘the cloud’? Think of it like this: instead of storing and accessing your data from your own computer’s hard drive, you’re accessing other computer hard drives over the Internet. So all the information you’ve stored with other companies (from Facebook to Instagram to Google Drive to your bank account) are actually in physical computer
- [How do I choose the best accounting software for my business?](https://pmwplus.com.au/resources/how-do-i-choose-the-best-accounting-software-for-my-business/) - When you’re deciding what you really need to manage the books in your small business, it’s important to focus on your core business needs. So, there are some questions you need to ask yourself before you go ahead and make the purchase. Remember – the most expensive option isn’t necessarily the best. While most accounting
- [Your export road map](https://pmwplus.com.au/resources/your-export-road-map/) - For first-time exporters, finding success in overseas markets can be an avenue towards securing long-term, sustainable growth. But thorough preparation is vital to managing the business risks involved. Building a well-researched plan Deciding to export should be part of your continuing vision for your business. In-depth research will help you understand the specific challenges and
- [Nine ways to use technology to make business easier](https://pmwplus.com.au/resources/nine-ways-to-use-technology-to-make-business-easier/) - In today’s fast paced business world, technology has become as essential to success as a great idea. It’s a real equalizer that puts even the smallest business on equal footing with the big players. To grow your business you’ll need to harness the power of technology and use it to your advantage. Here are nine
- [Decide on your exporting channels](https://pmwplus.com.au/resources/decide-on-your-exporting-channels/) - Are you planning on selling to customers in an overseas market? There are export channels galore to choose between – but which ones are right for your business? The direct route or the indirect route Generally, there are two ways your business can go – direct exporting or indirect exporting (or both). No matter which
- [Creating an export business plan](https://pmwplus.com.au/resources/creating-an-export-business-plan/) - An effective export business plan lays the foundations for overseas success. Each piece of the plan should come together to create a blueprint that will see your business prosper in the years ahead. Goals The foundation of your export business plan will be built on your goals – the markets where you intend to sell
- [Choosing payment terms for your business](https://pmwplus.com.au/resources/choosing-payment-terms-for-your-business/) - Getting paid correctly and on time by customers can be a constant frustration for business owners. Communicating your terms is the best way of making sure you aren’t out of pocket – or are left chasing debtors. Setting your terms of payment Your terms of payment let customers know when and how you expect to
- [How to complete a SWOT analysis](https://pmwplus.com.au/resources/how-to-complete-a-swot-analysis/) - A SWOT analysis is used to help fine-tune your business strategy by examining internal and external factors that may help or hinder your business. Identifying and understanding the strengths, weaknesses, opportunities, and threats – that’s what SWOT stands for – allows you to address them and make smarter decisions moving forward. A SWOT analysis will
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- [Christmas](https://pmwplus.com.au/tag/christmas/)
- [Small business](https://pmwplus.com.au/tag/small-business/)
- [cyber](https://pmwplus.com.au/tag/cyber/)
- [business](https://pmwplus.com.au/tag/business/)
- [security](https://pmwplus.com.au/tag/security/)
- [protection](https://pmwplus.com.au/tag/protection/)
- [business plan](https://pmwplus.com.au/tag/business-plan/)
- [COVID-19](https://pmwplus.com.au/tag/covid-19/)
- [Checklist](https://pmwplus.com.au/tag/checklist/)
- [coronavirus](https://pmwplus.com.au/tag/coronavirus/)
- [local economy](https://pmwplus.com.au/tag/local-economy/)
- [local business](https://pmwplus.com.au/tag/local-business/)
- [JobKeeper](https://pmwplus.com.au/tag/jobkeeper/)
- [Stimulus](https://pmwplus.com.au/tag/stimulus/)
- [Benchmarking](https://pmwplus.com.au/tag/benchmarking/)
- [2020 - 2O21 Federal Budget](https://pmwplus.com.au/tag/2020-2o21-federal-budget/)
- [Federal Budget](https://pmwplus.com.au/tag/federal-budget/)
- [asset](https://pmwplus.com.au/tag/asset/)
- [asset protection](https://pmwplus.com.au/tag/asset-protection/)
- [DIN](https://pmwplus.com.au/tag/din/)
- [director ID](https://pmwplus.com.au/tag/director-id/)
- [leadership](https://pmwplus.com.au/tag/leadership/)
- [business management](https://pmwplus.com.au/tag/business-management/)
- [personal insurance](https://pmwplus.com.au/tag/personal-insurance/)
- [life insurance](https://pmwplus.com.au/tag/life-insurance/)
- [long-term disability insurance](https://pmwplus.com.au/tag/long-term-disability-insurance/)
- [critical illness insureance](https://pmwplus.com.au/tag/critical-illness-insureance/)
- [key person insurance](https://pmwplus.com.au/tag/key-person-insurance/)
- [contractor](https://pmwplus.com.au/tag/contractor/)
- [employee](https://pmwplus.com.au/tag/employee/)

## Mail Post Region

- [australia](https://pmwplus.com.au/mail-post-region/australia/)

## Mail Post Type

- [Operations](https://pmwplus.com.au/mail-post-type/operations/)
- [Succession & Exit](https://pmwplus.com.au/mail-post-type/succession-exit/)
- [Customer success](https://pmwplus.com.au/mail-post-type/customer-success/)
- [Sales & Marketing](https://pmwplus.com.au/mail-post-type/sales-marketing/)
- [Growth](https://pmwplus.com.au/mail-post-type/growth/)
- [Productivity](https://pmwplus.com.au/mail-post-type/productivity/)
- [Management](https://pmwplus.com.au/mail-post-type/management/)
- [Technology](https://pmwplus.com.au/mail-post-type/technology/)
- [People](https://pmwplus.com.au/mail-post-type/people/)
- [Accounting & Bookkeeping](https://pmwplus.com.au/mail-post-type/accounting-bookkeeping/)
- [Planning](https://pmwplus.com.au/mail-post-type/planning/)

## Mail Template Region

- [australia](https://pmwplus.com.au/mail-template-region/australia/)

## Content Topic

- [Marketing](https://pmwplus.com.au/content-topic/marketing/)
- [Finance](https://pmwplus.com.au/content-topic/finance/)
- [Management](https://pmwplus.com.au/content-topic/management/)
- [Planning](https://pmwplus.com.au/content-topic/planning/)
- [Increasing Profit](https://pmwplus.com.au/content-topic/increasing-profit/)
- [Managing Teams](https://pmwplus.com.au/content-topic/managing-teams/)
- [Starting Up](https://pmwplus.com.au/content-topic/starting-up/)
- [Exiting & Selling](https://pmwplus.com.au/content-topic/exit/)

## Content Type

- [Guides](https://pmwplus.com.au/content-type/guides/)
- [Templates](https://pmwplus.com.au/content-type/templates/)
- [Checklists](https://pmwplus.com.au/content-type/checklists/)

## Content Region

- [Australia](https://pmwplus.com.au/content-region/australia/)
- [Canada](https://pmwplus.com.au/content-region/canada/)
- [New Zealand](https://pmwplus.com.au/content-region/new-zealand/)
- [USA](https://pmwplus.com.au/content-region/usa/)
- [UK](https://pmwplus.com.au/content-region/uk/)