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Category archives for: Business & Finance

FINANCE | Good debt, bad debt

By the end of 2018 Australia had, relative to the size of its overall economy, one of the highest levels of household debt in the world. At 127 percent of Gross Domestic Product, GDP, our household debt, as a percentage of GDP, had nearly doubled over the past 20 years. So, are Australian households groaning […]

FINANCE: Let’s get started

Far from being the realm of the rich, building an investment portfolio is something most people can do. It can start as a simple savings plan – a few dollars in the bank – before expanding into a diversified portfolio containing a range of asset classes. Getting started mighty be easier than you think, so […]

FINANCE | Navigating super

If the ins and outs of superannuation leave you confused, the answers to these frequently asked questions will help you understand the basics. How much do I need to retire? According to the Association of Superannuation Funds of Australia, ASFA, a couple requires savings of $640,000 if they wish to enjoy a ‘comfortable’ lifestyle in […]

FINANCE | It’s time to put your mind at rest

Personal insurances are designed to provide protection from the financial consequences of death or disability. They form an important part of most financial plans. Following, in brief, is how they work. Types of personal insurance Life insurance: This pays a lump sum benefit if you die. Total and permanent disability insurance: This pays a lump […]

FINANCE | Plan now for a positive future

Many of us would like to think that ‘older’ means ‘wiser’, but when it comes to money that isn’t always the case. The complexity of Australia’s superannuation system doesn’t help. There are common mistakes that retiring and retired Australians make. What are those mistakes and how might you avoid them? Underestimating how much you need […]

Boost your business

Vouchers of up to $50,000 are available to eligible Northern Grampians Shire businesses as part of a State Government Boost Your Business program. Voucher categories include food innovation; advanced manufacturing; defence, aerospace and security; social enterprise capability; Asia gateway; and Victoria-Israel innovation. The vouchers are designed to create jobs and opportunities for businesses by allowing […]

Business bus to visit Halls Gap

A free mentoring service will visit Halls Gap on April 30 to provide regional residents with support in their small business ventures. The Small Business Bus gives people access to expert face-to-face advice from business mentoring specialists in marketing, finance, human resources and sales. The bus, located outside the old Halls Gap Visitor Information Centre […]

Ararat garden business set to flourish

Grampians Grow Master in Ararat is set to flourish again as owners Russell and Robyn Phillips re-open the nursery on Friday. The couple grew its roots in the business for 25 years before selling the store in 2011. Mr Phillips said Friday would be a ‘soft’ opening as the couple took its life-long passion back […]

FINANCE | Common challenges in planning

Investment planning is an important part of managing finances but underpinning the whole process of creating wealth in the first place is having a good financial strategy. For many people that strategy is taking each day as it comes and letting the future look after itself, but in a complex and ever-changing world, isn’t a […]

Information for small business in Northern Grampians

A joint project between Northern Grampians Shire Council and Small Business Victoria will help prospective small-business owners in the shire. The Better Approvals Project will help council staff make the regulatory process of opening or expanding a small business easier and more efficient. The council hosted a free launch event to give prospective St Arnaud […]


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