Blogs
CHRISTMAS MESSAGE FROM THE BALANCE TEAM
It’s been a busy year for the team at Balance. Once again, we have enjoyed the relationships that have grown throughout the year.
IMPLEMENTING HEALTH AND SAFETY SO IT STICKS
Have a health and safety policy and plan in place? Great! But how can you ensure everyone’s 100% on board?
HOLIDAY PAY SORTED?
Working out what an employee gets paid for taking a day off on annual leave is not always easy.
DOES YOUR BUSINESS HAVE A CSR STRATEGY?
Having a corporate social responsibility (CSR) strategy was something that used to be the sole preserve of giant corporations.
CONTRACTOR VS EMPLOYEE: GETTING IT WRONG COULD BE COSTLY!
Is that team member an employee or a contractor? It’s important to know the difference, because getting it wrong could be an expensive mistake.
WHANGANUI JUNIOR TENNIS OPEN
Balance was a proud sponsor of both the Boys’ and Girls’ 16’s & under grades playing in the 2022 Whanganui Junior Open held recently.
MANAGING PROJECTS IN A REMOTE TEAM
We’re living in a world where remote and hybrid working are now the norm. Driven by lockdowns and the pandemic, businesses have been forced to adopt a....
COULD STARLINK SOLVE YOUR RURAL CONNECTIVITY ISSUES?
Good, reliable, fast internet in rural and remote locations is a bit of an urban myth. When the traditional broadband internet network can’t reach you....
WHY EMPLOYEE ONBOARDING IS SO IMPORTANT
Nothing says “Welcome to the company, we’re so happy to have you join us” like a good onboarding process.
25 YEARS OF SERVICE CELEBRATED
Two members of the Balance team have recently celebrated 25 years of service with the Institute of Chartered Accountants Australia New Zealand (CAANZ)....
5 QUICKS WINS FOR A GREENER BUSINESS
There has been a huge drive towards sustainable business practices recently with people choosing to spend their money to support greener businesses.
BROOKE REUTERS PROMOTED TO PARTNER
We’re thrilled to announce that as of 1 October 2022, Brooke Reuters has been promoted to Partner, and joins our existing partners Craig McKinnon, Yvo....
SMART MOVERS WEBINAR
Balance and Smart Movers invite you an online webinar on the latest Economic Update. The webinar is Thursday 3 November at 12pm and Mark Lister, Inves....
DRAWING UP A NEW STAFF CONTRACT THIS SUMMER?
As we now head towards the end of the year and the coming Christmas rush, it can be easy to miss something in your new staff members’ contracts. To en....
BALANCE SEMINAR AT WHANGANUI CHAMBER OF COMMERCE
Come along to our informative seminar at the Whanganui Chamber of Commerce, aimed at small to medium size businesses. Brooke and Craig will be talking....
IS YOUR BUSINESS FOCUSED ENOUGH ON CYBER SECURITY?
We live in a digital world where our company’s data and (crucially) our customers’ data is under constant attack. Hackers are always looking for new w....
CONTRACTOR VS EMPLOYEE: GETTING IT WRONG COULD BE COSTLY!
Is that team member an employee or a contractor? It’s important to know the difference, because getting it wrong could be an expensive mistake.
MARKETING AND DESIGN TOOLS FOR YOUR SMALL BUSINESS
As a business owner, you have access to a huge variety of online channels for sharing your marketing message. But if your business is small and you do....
SAFEGUARD YOUR BUSINESS WITH SIMPLE CHECKS AND PROCESSES
As a business owner, you want to know you can trust your team to work well for you and your business. Introducing a few simple processes can make it m....
WHAT IS INFLATION?
Inflation is the term used to describe an increase in the average prices for goods and services through the economy. Inflation is a loss of purchasing....
WHAT’S THE VALUE OF CASHFLOW FORECASTING?
Everyone’s talking about cash flow forecasting and you know it’s important but how does cash flow forecasting actually help your business?
SHOULD I FOCUS ON PROFITS OR CASH FLOW?
Everyone knows how important turning a profit is for the successful running of a business. However, if you’re looking to create a stable, long-term bu....
SHOULD YOU BUY OR LEASE YOUR BUSINESS ASSETS?
There are certain items of equipment, machinery, and hardware that are essential to the operation of your business. Whether it’s the delivery van you ....
INNOVATE WHANGANUI AWARDS 2022
The Innovate Whanganui Awards are in their second year. It’s a local competition based on the “Dragon’s Den” idea that supports an entrepreneur from i....
FIVE TIPS FOR YOUR NEXT BUSINESS NEGOTIATION
FIVE TIPS FOR YOUR NEXT BUSINESS NEGOTIATION The world of business negotiations often has a lot of contradictions. You need to be firm but flexible; o....
IS YOUR COST OF SALES AFFECTING YOUR GROSS PROFIT?
How much does it cost you to produce your product(s)?
FIVE FACTORS FOR FARM ACCOUNTING
We all know that farming is a different business to any other, not to mention that farm accounting is much more complex when you factor in the assets,....
THE COVID-19 SMALL BUSINESS CASHFLOW SCHEME (SBCS)
The Inland Revenue Small Business Cashflow Scheme (SBCS) was announced to support struggling small and medium businesses with a loss of actual revenue....
HOW MUCH TIME SHOULD YOU SPEND ON STRATEGY?
HOW MUCH TIME SHOULD YOU SPEND ON STRATEGY? We see many business owners, who work tirelessly in their businesses and are excellent at what they do, ne....
BUSINESS TIPS: WRITING A MISSION STATEMENT
You’ve had your initial business idea and written a plan. But do you know WHY you’re creating this business, or HOW you’ll deliver your end product/se....
DON’T BET YOUR HOUSE ON THE BUSINESS
Landlords and suppliers can sometimes ask you for a personal guarantee on a contract.
THE PROS AND CONS OF HELPING YOUR CHILD TO BUY A HOUSE
The ‘Bank of Mum and Dad’ is one of New Zealand’s largest lenders, with between half and 70% of all first-time buyers estimated to be getting assistan....
THE COVID-19 SHORT-TERM ABSENCE PAYMENT
The Short-Term Absence payment is for businesses (including self-employed) to help pay for workers who can’t work from home or attend work while they ....
FIVE STEPS TO SEAMLESS HIRING
So you’ve found the right person for the job, now what? Here are the next five steps you need to take. Step 1: Make an offer Check the candidate can l....
HOW TO IMPROVE YOUR PROCUREMENT SPENDING
One of your biggest areas of business expenditure will be buying the goods and services that are needed for the company to operate. Whether these are ....
HAVE YOU GOT A STRATEGY FOR A FINANCIALLY STRESS-FREE HOLIDAY PERIOD?
Christmas holiday breaks are a chance to recharge for the year ahead especially after the year we have had. We look forward to warmer weather and fina....
GETTING A TAX BREAK ON YOUR INSURANCE
One of the advantages of owning a business is the many tax deductions that aren’t available to employees. Most of these deductibles are well known, li....
SMART WAYS TO GET RID OF EXCESS STOCK
For retailers, having excess stock will not only take up precious backroom or shelf space, but can also tie up capital and can keep you from re-invest....
NEW RULES FOR TRUST COMPLIANCE
With a new top tax rate of 39% now in place, other tax rules have also been tweaked to make sure they all align.
NEW COVID-19 FRAMEWORK AND BUSINESS SUPPORT
The Government’s announcement on the next stage in the COVID-19 response plan introduces a new framework of measures that will commence when 90% of el....
REDEFINING SUCCESS
If there’s one positive to take from the events of the last two years, it’s the opportunity to consider what’s important. For those of us in business,....
RENTAL TAX CHANGES: DETAILS ANNOUNCED
The Government has now released the draft legislation around the removal of tax deductions on loan interest for rental properties. Previously, interes....
COULD A 4-DAY WEEK BE A GOOD FIT FOR YOUR TEAM?
The pandemic has acted as an impetus for reflection, with many workers and business people reassessing the hours they work and the priority that work ....
CAN COMPANIES CLAIM HOME OFFICE EXPENSES?
Sole traders using home offices for business have long been able to claim deductions for home office expenses. Now, through lockdowns and increased ac....
COVID-19 BUSINESS SUPPORT – NEW UPDATE
It’s important to keep current. Catch up with the detail below, including changes to resurgence support, wage subsidy payments and working from home (....
REVIEW YOUR EXPENSES – AND SAVE YOURSELF MONEY
Running a business will always mean incurring certain expenses, or ‘spend’.
RENTAL TAX CHANGES ARE ABOUT TO KICK IN – BE READY
Earlier this year, the Government announced the removal of tax deductions on loan interest for rental properties. Previously, interest payments could ....
WHAT’S THE DIFFERENCE BETWEEN FINANCIAL ACCOUNTING AND MANAGEMENT ACCOUNTING?
You’re running a business, so you know the legal requirements around producing accounts and submitting tax returns. But do you truly know WHY you’ve e....
ACHIEVING YOUR GOALS WITH THE ROCKS, PEBBLES AND SAND MINDSET
Have you ever found yourself struggling to achieve your goals because you just don’t have enough time to commit to them? Chances are, you’re doing thi....
USING THE VALUE LADDER TO INCREASE SALES
One of the best ways to increase sales is to use the Value Ladder to build a relationship with your customers. The higher the customer values their re....
FEES ON UTES – THREE THINGS YOU NEED TO KNOW.
Plenty of Kiwi businesses buy utes as company vehicles. If you’re in the trades, for instance, a ute can be the perfect way to haul everything around ....
HOW’S THE FORECAST LOOKING FOR YOUR BUSINESS?
Whenever we’re going on holiday or have plans for the weekend, we always check the weather forecast so we can plan accordingly.
P IS FOR PURPOSE, NOT PROFIT
Why does your business exist?
NOW, WHERE, HOW
For any sort of planning, whether it’s your Strategic Plan, Business Plan, or Personal Development Plan, you must first know your starting point to pl....
THE GOLDEN CIRCLE
Do you understand your ‘why’? Does your team understand it? How about your customers? Your ‘why’ is why your business exists for your customers (and i....
WHAT’S THE DIFFERENCE BETWEEN FINANCIAL ACCOUNTING AND MANAGEMENT ACCOUNTING?
You’re running a business, so you know the legal requirements around producing accounts and submitting tax returns. But do you truly know WHY you’ve e....
5 SIGNS YOU’RE UNDERCHARGING
Are you undercharging for your services? It can be hard to tell, particularly if you’re in a niche industry or you’re a contractor. Costs have been ri....
SELF-EMPLOYED? GET THE FULL KIWISAVER CONTRIBUTION
When you’re self-employed, you’re the one in charge of your KiwiSaver contributions. Without an employer to make contributions on your behalf, you nee....
BUYING OR SELLING A SMALL BUSINESS? NEW TAX COULD AFFECT YOU
Thinking of buying or selling your business? A new tax rule comes into effect on 1 July 2021 that will have an impact on the way you negotiate.
BUDGET 2021: WHAT’S IN IT FOR YOU?
Budget 2021 was all about big spending on benefits, health and infrastructure. With some critics saying the Government was spending too little and oth....
CAN YOU CLAIM CLOTHING AS A BUSINESS EXPENSE?
We often get questions about what business expenses are tax deductible, and one of the more confusing topics is clothing.
MINIMUM WAGE: EXPECT MORE INCREASES
With the minimum wage having recently increased to $20, you might be thinking that it won’t go up again for a while. But in fact you should probably p....
NEW SUPERANNUATION RATE: ARE YOU ON TRACK FOR RETIREMENT?
There’s a new superannuation rate for 2021: from April 1, it increases by at least $10 a week for everyone. Singles living alone will receive $437 a w....
IS PROPERTY STILL A GOOD INVESTMENT?
The rules for property investors have changed, removing tax deductibility for rental loan payments and extending the bright line test to 10 years. How....
THE FIVE A’S OF CHANGE – ACHIEVING CONTINUOUS IMPROVEMENT
We’ve spent more than the past year responding to things outside of our control. Everyone has experienced huge change, a lot of it while in crisis mod....
COVID19 BUSINESS SUPPORT UPDATE
Since 2020, measures to help support businesses adversely affected by COVID-19 have been introduced in several waves. Initially the intention was to b....
SHOULD I FOCUS ON PROFITS OR CASHFLOW?
Turning a profit is at the heart of running any successful company But should profits be the only financial focus if you’re looking to create a stable....
WHAT DOES THE NEW TOP TAX RATE MEAN FOR YOU?
On April 1, we move into a new financial year for most Kiwi businesses – and the new top personal tax rate comes into effect. For individuals earning ....
HOW GOOD IS YOUR AFTER-SALES SERVICE?
When someone has just bought from you, that’s a golden opportunity to start building a customer relationship. Take advantage of being top-of-mind and ....
LOOKING FOR BUSINESS FUNDING? WE CAN HELP
Applying for funding is tough. Ensure you have all the data to prove the viability of your business, in order to secure the support. We have the exper....
SHOULD YOU BUY OR LEASE YOUR BUSINESS ASSETS?
Should you buy or lease your new equipment? We’ll review your current financial position, cashflow and cost base to decide whether buying or leasing i....
IS YOUR BUSINESS ELIGIBLE FOR THE RESURGENCE SUPPORT PAYMENT?
The Resurgence Support Payment was launched to assist small businesses to cover expenses as wages and fixed costs, when there is move to Alert Level 2....
THE MINIMUM WAGE INCREASES ON APRIL 1ST 2021
From April 1 2021, the adult mimimum wage will increase from the current rate of $18.90 per hour to $20 per hour. There are 3 types of minimum wage — ....
THE FOUR AND A HALF-DAY WORK WEEK FOR BALANCE CHARTERED ACCOUNTANTS
At Balance Chartered Accountants ‘better business’ means a sustainable business that thrives now and well into the future, while also looking out for ....
DEVELOPING YOUR CONTACTLESS BUSINESS OPERATION POLICY
Emerging from lockdown will allow a sense of normality. Bring on the simple pleasures of takeaway coffee, McDonald’s drive through and online shopping....
HOW DO YOU INVOICE DURING A CRISIS?
It’s not easy to request payment right now, but it is important to keep cash flowing into your business so you can cover expenses and meet your obliga....
COVID-19 BUSINESS SUPPORT FACT SHEET
The Government has announced new relief measures to boost confidence and help small and medium-sized businesses get through the COVID-19 crisis.
TIPS FOR GETTING YOUR FINANCIAL YEAR END WORK COMPLETED QUICKER
A new financial year is upon us and that means that it’s time to check the accuracy of your financial information in your accounting software for the ....
INSOLVENCY RELIEF FOR NZ BUSINESSES IMPACTED BY COVID-19
Urgent law changes to the Companies Act seek to give company directors temporary relief from potential personal liability when the business faces sign....
ARE YOU PUTTING YOUR PROFESSIONAL DEVELOPMENT FIRST?
Without the 360 degree feedback and annual reviews, that employees get in a corporate business, entrepreneurs can be left out in the cold, not underst....
COVID-19 EMPLOYER SUPPORT
We understand how new this scenario is and the confusion that has arisen for some in relation to the assistance offerings from the Government.
YOUR GST RETURN IS DUE SOON
You need to file your GST return at the end of every taxable period (this may be monthly, 2 monthly or 6 monthly depending on the frequency you have c....
REMOTE WORKING: HOW TO GET YOUR BUSINESS READY
In a crisis, the ability for your staff to work remotely could, quite literally, be a lifesaver. But how do you set up your team to become remote work....
KEEPING YOUR CASHFLOW STRONG IN TOUGH TIMES
Small businesses are particularly vulnerable in tough economic times. When sales are slow, there are still overheads and salaries that need to be sort....
YOUR 2019 INCOME TAX RETURN IS DUE SOON
Your income tax return for the 2019 financial year is due on 31 March. (unless your industry has a recognised balance date).
HOW TO SCALE UP YOUR BUSINESS
Scaling up isn’t just a case of letting organic growth take its course – genuine hypergrowth means achieving accelerated 20% growth over a 3-year peri....
THE BENEFITS OF CREATING A HOLDING COMPANY
Once your business gets to a certain size and turnover, there’s real value in assessing the company structure and how to make things more tax-efficien....
YOUR GST RETURN IS DUE ON THE 28TH
You need to file your GST return at the end of every taxable period (this may be monthly, 2 monthly or 6 monthly depending on the frequency you have c....
WHY YOU NEED TO TAKE A BREAK FROM YOUR BUSINESS
Running your own business takes up most of your time, as an owner – and finding a window in your diary to take a break can be tricky.
YOUR GST RETURN IS DUE ON THE 28TH
You need to file your GST return at the end of every taxable period (this may be monthly, 2 monthly or 6 monthly depending on the frequency you have c....
SET THE RIGHT GROWTH GOALS FOR YOUR BUSINESS THIS YEAR.
If you’re going to grow your company in the right way, pinning down your goals and having a clear vision for the business from the outset is vital. Yo....
HAVE YOU GOT A STRATEGY FOR A FINANCIALLY STRESS-FREE HOLIDAY PERIOD?
Holiday breaks are a time to spend with family, friends & have a chance to recharge for the year ahead. But, for a business owner this time can be....
BUSINESS HEALTH CHECK
Cash flow is essential at this time of year, so if chasing late payments makes you feel uncomfortable, outsource those phone calls to a trusted virtua....
NEW GST ON LOW-VALUE IMPORTED GOODS
Overseas businesses selling goods valued at $1,000 or less online to New Zealanders are now required to register for, collect and return GST where the....
NEW TRUSTS ACT 2019
WHAT YOU NEED TO DO If you’re protecting your family property in a trust, there may be changes you need to make before the new Trusts Act comes into f....
GETTING HOLIDAY PAY RIGHT
Do you have staff taking leave over Christmas? Are systems in place to make sure everyone gets what they’re entitled to? Even if someone else handles ....
SIX PLANET-FRIENDLY WAYS TO SHOW STAFF YOU CARE THIS CHRISTMAS
Got your staff Christmas gifts sorted? There’s still time! Think outside the box and be good to your people, and the planet, with these sustainable Ch....
GOOD LEADERSHIP IS MORE THAN BUSINESS ACUMEN
Being the boss isn’t just about getting the strategy and financial management of your business right. It’s also about becoming a good leader who can g....
PLANNING FOR SEASONAL DIPS IN INCOME
Seasonal dips in income can be highly challenging when you’re a small business. But there are proactive ways to predict, plan for and overcome these d....
HEALTH AND SAFETY: SAY IT LOUD AND PROUD TO LOWER THE RISK
A ‘she’ll be right’ attitude towards health and safety won’t cut it. You’ve got to make a conscious decision to be safe and get everyone in your team ....
TAKE STOCK AND THRIVE
Top tips for working ON your business in 2019 When you’re head down in the day-to-day running of your business, it’s hard to know what needs to be don....
AGRICULTURAL APPRENTICESHIPS – ARE THEY FRUITFUL?
Struggling to recruit ambitious workers? Find out how two new apprenticeships, developed by Primary ITO and Federated Farmers, could help you tackle y....
PROOF YOU CAN PROFIT FROM GOING ‘ECO’ ON YOUR FARM
Sustainable business practices are good for the planet and its people, but can you make money from it? Here are three of the 2019 Ballance Farm Enviro....
CHANGES TO NZ GST RULES FOR LOW-VALUE IMPORTED GOODS
In an increasingly disrupted world, the laws surrounding consumer processes sometimes need to play catch up.
WHAT ROLE DOES YOUR BOARD PLAY? UNDERSTANDING LEADERSHIP
Once your business is incorporated and becomes a limited company, you’ll need to have a ‘board of directors’ in place to provide your core leadership ....
WHANGANUI CANCER SOCIETY – CALENDAR DESIGN
Balance teamed up with the Whanganui Cancer Society to design their 2020 calendar. Featuring the works from local photographers, this calendar would b....
LOOKING TO IMPROVE PRODUCTIVITY? THERE’S AN APP FOR THAT!
Overwhelmed with paperwork? Wading through administrative tasks? or needing more time for key staff communications? As life gets more frenetic, it’s w....
BUILDING A PRODUCTIVE NATION
Innovation is seen as the key to assist New Zealand industries in the transition to an economy high in productivity but low in emissions. The challeng....
TEACHING YOUR KIDS ABOUT MONEY
Mom and daughter are shopping at the supermarket, the concept of family relationships and healthy eating The money we spend each day tends to be invis....
WHAT MY NETFLIX ALGORITHM SHOWED ME ABOUT BUSINESS
Whanganui Chronicle – By Russell Bell I grew up with a love of statistics and mathematics. So much so that as a child I used to while many hours away ....
RING FENCING OF RESIDENTIAL LOSSES
Are you aware that legislation is before parliament that will deny taxpayers the ability to claim rental losses against other sources of their income?....
HIRING? LOOK FOR TRAITS NOT TALENT
Soft skills are the personal qualities that make people easy to work with and they’re key for business success. Here are five important soft skills an....
BUSINESS HEALTH CHECK
Six ways to ‘do good’ by your staff Celebrate! Write down one thing you’ll do in the next six months to reward your team. Book in staff performance me....
TAX POOLING – WHAT IS IT?
Tax pooling is an IRD – approved service offered by a commercial provider such as Tax Traders. It primarily allows taxpayers to pay income tax at a ti....
MINIMUM WAGE GLIDES CLOSER TO $20
More than 200,000 New Zealanders and their families will benefit from the minimum wage going up to $17.70 an hour on 1 April 2019 – an increase of $1.....
WHAT’S NEW IN THE WORLD OF TAX?
Payday filing We have mentioned this in the past, but don’t forget payday filing for employers is compulsory from 1 April 2019. Please contact us if y....
10 SMART YEAR-END TAX TIPS
Fill your drawers: Can you stock up on stationery, postage and courier bags before 31 March? Claim now and save. Staff expenses: If you owe employees ....
BUSINESS HEALTH CHECK
Do your Christmas housekeeping! Chase up unpaid invoices to encourage payment before Christmas to get cashflow off to a good start for the New Year. M....
WATCH OUT FOR SPAM!
With the recent increase in spam emails supposedly from the IRD, keep an eye out for the subject heading: “GST returns due in 5 days”. If you get one,....
SERVICES OF THE FUTURE
This month Balance had the privilege of being featured in the Annual Report of our professional body (Chartered Accountants Australia and New Zealand)....
IS A FAMILY TRUST RIGHT FOR ME?
Family trusts are a popular way to protect and manage your assets, such as the family home, for you and your family, now and in the future. They can h....
WHAT CHANGES WILL AFFECT MY BUSINESS?
#1 Extending perpetuity laws At the moment, when you set up a family trust, it has a time limit of 80 years. Then you have to wrap it up and distribut....
HOUSING | BUDGET SPECIAL ALERT 2018
December’s mini-Budget allocated $2.1 billion for KiwiBuild to deliver 100,000 affordable houses across the country, including 50,000 in Auckland over....
SUPPORTING INNOVATION – R&D | BUDGET SPECIAL ALERT 2018
The Budget allocates $1 billion over four years to finance tax incentives for more research and development (R&D) by Kiwi businesses. R & D ha....
TAX | BUDGET SPECIAL ALERT 2018
“Our tax system will be fairer and more balanced to encourage investment in the productive economy.” Grant Robertson
HEALTH | BUDGET SPECIAL ALERT 2018
Health spending is the headliner of the 2018 budget, with an extra $750 million allocated to capital spending and an additional $3.2 billion to operat....
BUSINESS HEALTH CHECK
Things to do this month By now you should be thinking about whether you have all the information you need to give us to complete your annual accounts.....
BUSINESS HEALTH CHECK NOVEMBER 2017
Things to do this month:
NEW ZEALAND TRUST LAW TO BE OVERHAULED
Parliamentary plastic surgery is in store for the Trustee Act, to make trust law easier to access and understand.
NEW ZEALAND A DIGITAL STANDOUT, BUT IS YOUR BUSINESS?
New Zealand is a “standout nation” according to the latest Digital Evolution Index, released by Tufts University in Boston in July.
BUSINESS CULTURE TIED TO BUSINESS PERFORMANCE
While it’s easy to think of business culture as a bit soft compared with, say, achieving sales, in fact it’s anything but. A 2014 study reported that ....
GST MADE EASY
Do you hate it when GST return time rolls around? If so, you’re in good company. For many business owners, the pain isn’t so much having to hand money....
PROTECT YOURSELF FROM FRAUDULENT INVOICES WITH E-INVOICING
Scams involving fraudulent invoices are surprisingly common in New Zealand, and they’re getting quite sophisticated. Often, everything looks right on ....
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