<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Future Accounting]]></title><description><![CDATA[Empowering Your Financial Future with Expert Accounting Services and Enhanced Client Communication]]></description><link>https://www.4psfutureaccounting.com.au/insights-news-updates</link><generator>RSS for Node</generator><lastBuildDate>Thu, 05 Nov 2026 03:20:17 GMT</lastBuildDate><atom:link href="https://www.4psfutureaccounting.com.au/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[The Family Trust Tax Debate Is Missing Something Important: How Family Businesses Actually Operate ]]></title><description><![CDATA[Proposed changes to discretionary trust taxation raise important questions for family businesses. Beyond tax obligations, existing trust structures can support business operations, succession planning and family wealth. Discover why understanding the practical implications is essential before considering restructuring.]]></description><link>https://www.4psfutureaccounting.com.au/post/family-trust-tax-family-businesses</link><guid isPermaLink="false">6aebe01cf2cd548a57884657</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><category><![CDATA[Agribusiness]]></category><pubDate>Thu, 05 Nov 2026 02:19:40 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_f0e3567eb70c4d26ac4068d031dab0ac~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[When Did You Last Check Whether Your Home Loan Is Actually a Good Deal? ]]></title><description><![CDATA[A competitive interest rate does not automatically make a home loan the right choice. Discover why borrowers should compare fees, loan features, refinancing costs and existing business financial arrangements before deciding whether to switch lenders.]]></description><link>https://www.4psfutureaccounting.com.au/post/home-loan-review</link><guid isPermaLink="false">6aea7199bc7fa2636a7206e0</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><pubDate>Wed, 04 Nov 2026 00:54:26 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_25f10d98e052412eb50034d8698e9829~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[You Can No Longer Add a Card Surcharge. So, Should You Increase Your Prices? ]]></title><description><![CDATA[With separate card surcharges no longer permitted under the network rules described in this article, small businesses need to reconsider how they manage payment processing costs. Learn why reviewing merchant fees, product margins and pricing decisions matters before increasing prices.]]></description><link>https://www.4psfutureaccounting.com.au/post/card-surcharge-price-increases</link><guid isPermaLink="false">6ae948fcad017b70020d7e95</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><pubDate>Tue, 03 Nov 2026 02:49:41 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_764a7b7dd3af4b0fa223b547ee325ab3~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[We’ve Had Our Family Trust for 20 Years — Should We Be Worried About the New Tax Rules? ]]></title><description><![CDATA[Proposed changes to Australia's discretionary trust tax rules have raised questions for families who have relied on their existing structures for years. Discover what the proposed 30% minimum tax could mean, which exclusions may apply and why reviewing your trust deed, distributions and long-term family plans is important before making structural changes.]]></description><link>https://www.4psfutureaccounting.com.au/post/family-trust-new-tax-rules</link><guid isPermaLink="false">6ae428d10f4ce9ea490d94f4</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><category><![CDATA[Agribusiness]]></category><pubDate>Mon, 02 Nov 2026 05:32:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_d1f40c97ddf54d839f5232c732fc51a8~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[Customers Are Still Spending — So Why Does Your Business Feel Slower? ]]></title><description><![CDATA[A business can maintain customer numbers and still experience declining profits and tighter cash flow. Explore how average transaction values, gross profit margins, operating costs and payment patterns can affect financial performance, and discover four key figures business owners should monitor each month.]]></description><link>https://www.4psfutureaccounting.com.au/post/customers-still-spending-business-performance</link><guid isPermaLink="false">6ae3e07d6d98ad9b02781d0e</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><category><![CDATA[Agribusiness]]></category><pubDate>Fri, 30 Oct 2026 00:55:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_81dd0c0072144313955e4b1ae87d5e73~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[Is Your Business Developing Something New? You Could Be Missing a Tax Opportunity ]]></title><description><![CDATA[Businesses developing new products, improving equipment or testing solutions to technical problems may be undertaking research and development without realising it. Learn about the proposed R&#38;D tax reforms, how eligible activities differ from routine business improvements, and why documenting project costs and experimental work is important.]]></description><link>https://www.4psfutureaccounting.com.au/post/tax-opportunity</link><guid isPermaLink="false">6ae29ee99629dc8023ca7bfc</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><category><![CDATA[Agribusiness]]></category><pubDate>Thu, 29 Oct 2026 02:04:16 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_bc4c2b6f3b7b42c6ad067fbfa503cadb~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[Can You Move Business Assets into Another Company to Protect Them from Creditors? ]]></title><description><![CDATA[Moving business assets into another company may form part of a legitimate business structure, but timing and commercial purpose matter. Understand how creditor defeating dispositions, insolvency rules, valuations and proper documentation can affect asset transfers between related entities.]]></description><link>https://www.4psfutureaccounting.com.au/post/business-asset-protection-creditors</link><guid isPermaLink="false">6ae12e0862ff045f557b9adc</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><category><![CDATA[Agribusiness]]></category><pubDate>Tue, 27 Oct 2026 23:26:53 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_6f21273764b94e8b8e7c72f6cadc417a~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[The ATO Credit Card Ban Has Not Been Scrapped - It Has Been Delayed. It Should Be Reversed Entirely. ]]></title><description><![CDATA[The Government has extended direct credit card payments to the ATO until 30 June 2027, but the proposed ban has not been reversed. Discover why the distinction matters for small businesses, how third-party payment providers may affect payment arrangements, and what businesses should consider when planning future tax obligations.]]></description><link>https://www.4psfutureaccounting.com.au/post/the-ato-credit-card-ban-has-not-been-scrapped-it-has-been-delayed-it-should-be-reversed-entirely</link><guid isPermaLink="false">6adff86e62ff045f5578b9b8</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Agribusiness]]></category><pubDate>Tue, 27 Oct 2026 01:15:51 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_68890f48cf4f4821b559145e45591694~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[Negative Gearing Changes: Will You Lose Your Tax Benefits If You Inherit an Investment Property? ]]></title><description><![CDATA[Australia’s new negative gearing rules introduce important considerations for inherited investment properties and changes in ownership. Learn how qualifying transfers involving deceased spouses, co-owners and relationship breakdowns may retain protected tax treatment, and why historical ownership records matter.]]></description><link>https://www.4psfutureaccounting.com.au/post/negative-gearing-changes-inherited-property</link><guid isPermaLink="false">6adea8a8f402f8bdef3a1cf2</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><pubDate>Mon, 26 Oct 2026 01:39:20 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_3787a88423e642849c4f36be165530c4~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[Payday Super: What Happens When Something Goes Wrong? ]]></title><description><![CDATA[Payday Super is changing how employers manage superannuation, making compliance a payroll-by-payroll responsibility rather than a quarterly task. While the ATO may grant limited relief during exceptional events such as natural disasters or widespread technology outages, ordinary cash flow challenges do not qualify. This article explains what happens when super payments fail, how to handle rejected contributions, and the practical controls businesses need to reduce risk, maintain compliance and b]]></description><link>https://www.4psfutureaccounting.com.au/post/payday-super</link><guid isPermaLink="false">6adab25a47b5c2b34304d2d8</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><pubDate>Fri, 23 Oct 2026 01:41:06 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_a92342f0e83c41b39033077715609ef3~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[Genetic Testing Can No Longer Be Used Against You for Life Insurance - What Changed on 8 October ]]></title><description><![CDATA[A major change to Australian life insurance rules took effect on 8 October 2026, preventing insurers from using protected genetic-testing information in underwriting decisions. While this removes a significant barrier for many Australians, family business owners should use the change as an opportunity to review their insurance, succession and wealth-protection strategies to ensure they remain aligned with their current needs and circumstances.]]></description><link>https://www.4psfutureaccounting.com.au/post/genetic-testing-can-no-longer-be-used-against-you</link><guid isPermaLink="false">6ad95b7ca670c5db38872e6a</guid><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><category><![CDATA[Staying Compliant Staying Confident]]></category><pubDate>Thu, 22 Oct 2026 01:33:24 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_42e93d7ec30a484f8f0e91fe91149317~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[Australia Might Avoid a Recession - But Your Business Can Still Be in One ]]></title><description><![CDATA[National economic growth does not always reflect the conditions facing individual businesses. Learn how SMEs can monitor sales volume, gross margins, debtor days and operating cash flow to identify financial pressure early and prepare for changing economic conditions.]]></description><link>https://www.4psfutureaccounting.com.au/post/business-recession-australia</link><guid isPermaLink="false">6ad7f8c5e9685d6138c591d2</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><category><![CDATA[Agribusiness]]></category><pubDate>Tue, 20 Oct 2026 23:45:58 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_3c0b99eb98b34c979b6ae0c32eb985dd~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[The $20,000 Instant Asset Write-Off Is Permanent - But That Does Not Mean You Should Spend $20,000 ]]></title><description><![CDATA[The permanent $20,000 instant asset write-off offers eligible small businesses greater certainty, but it should not drive unnecessary spending. Understand how tax deductions affect cash flow, what eligibility rules matter and how to assess the commercial value of an asset before buying.]]></description><link>https://www.4psfutureaccounting.com.au/post/instant-asset-write-off</link><guid isPermaLink="false">6ad6b765a1a9e63e33fd40f8</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><pubDate>Tue, 20 Oct 2026 00:42:26 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_d3951e903e3d4572a9b92208729b9cf2~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[The Cost Increase Hiding at the Bottom of Your Supplier Invoice ]]></title><description><![CDATA[Your supplier's product price may stay the same while freight, fuel levies and logistics surcharges quietly reduce your margins. Learn how to identify hidden costs, calculate true landed cost and make informed pricing and supplier decisions.]]></description><link>https://www.4psfutureaccounting.com.au/post/supplier-invoice-hidden-costs</link><guid isPermaLink="false">6ad5536b77c2d30a8a6a8390</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Agribusiness]]></category><pubDate>Sun, 18 Oct 2026 23:31:40 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_d4ca9ed30f364cb793f45eb5dee238b2~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[Tax Complexity Has a Cost - Even When Your Tax Bill Does Not Change ]]></title><description><![CDATA[Tax compliance costs extend beyond accounting fees. Complex rules can consume valuable time, increase administrative expenses and delay important business decisions. Discover practical ways to streamline processes and reduce unnecessary compliance work.]]></description><link>https://www.4psfutureaccounting.com.au/post/tax-complexity-compliance-costs</link><guid isPermaLink="false">6ad1888cba2fe4448eabfc27</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><pubDate>Fri, 16 Oct 2026 02:24:38 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_87232e2ac6f34837b11c37f3f960abbb~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[A Startup Tax Concession Is Only Useful If Founders Can Actually Prove They Qualify ]]></title><description><![CDATA[The proposed Innovative Business CGT Concession could offer tax benefits for qualifying investments in innovative startups. But founders need to understand the eligibility requirements, document their innovation and plan carefully while the legislation remains subject to change.]]></description><link>https://www.4psfutureaccounting.com.au/post/startup-tax-concession</link><guid isPermaLink="false">6ad01e4df01b30c0f5067c46</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><pubDate>Wed, 14 Oct 2026 16:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_9db430b1aec840f5aacd434b46825a7d~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[When Fuel Prices Rise, It Does Not Stop at the Bowser - It Hits Your Margins, Inflation and Interest Rates ]]></title><description><![CDATA[Rising fuel prices can affect far more than transport expenses. From freight and supplier increases to inflation and working capital pressure, discover how businesses can assess their exposure, protect margins and make better pricing decisions.]]></description><link>https://www.4psfutureaccounting.com.au/post/fuel-prices-business-margins</link><guid isPermaLink="false">6aced78378450223e11587dc</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><pubDate>Tue, 13 Oct 2026 16:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_9f482b88e96a42598325808ea90ed5fa~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[The Most Expensive Contract in Your Business Might Not Be Your Loan - It Could Be Your Lease ]]></title><description><![CDATA[A commercial lease can affect cash flow, profitability and the future value of your business. Understanding the full occupancy cost, annual rent increases, guarantees and exit obligations can help you make more informed leasing decisions.]]></description><link>https://www.4psfutureaccounting.com.au/post/lease-costs-business</link><guid isPermaLink="false">6acd88822ce454f110af534d</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><pubDate>Mon, 12 Oct 2026 16:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_db7fb37688d74ec4817608f3be5b185c~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[Winning the Contract Is No Longer Just About Having the Lowest Price ]]></title><description><![CDATA[Being competitively priced may no longer be enough to win larger contracts. Discover how SMEs can strengthen governance, demonstrate compliance and assess the true cost of delivery to pursue opportunities that support sustainable business growth.]]></description><link>https://www.4psfutureaccounting.com.au/post/lowest-price-contracts</link><guid isPermaLink="false">6acc43d97ea08a33d77d5263</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><pubDate>Sun, 11 Oct 2026 16:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_ef94db7eebe54f8ba1b853b9cf4587b4~mv2.png/v1/fit/w_1000,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item><item><title><![CDATA[The Rate Rise Has Happened - Now Work Out What It Actually Costs Your Business ]]></title><description><![CDATA[An interest rate increase can affect more than loan repayments. Discover how to assess your debt exposure, calculate additional interest costs and stress test your business finances to make more informed decisions.]]></description><link>https://www.4psfutureaccounting.com.au/post/rate-rise-business-costs</link><guid isPermaLink="false">6ac821187e593533d022cb2e</guid><category><![CDATA[Staying Compliant Staying Confident]]></category><category><![CDATA[Retirement & Legacy Planning]]></category><category><![CDATA[Agribusiness]]></category><category><![CDATA[Growing & Protecting your Wealth]]></category><pubDate>Fri, 09 Oct 2026 01:28:41 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e6271a_33678fe79d6a485caabbcfdd03d179bd~mv2.png/v1/fit/w_937,h_700,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Future Accounting</dc:creator></item></channel></rss>