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CIA Tax Videos

MONEY MATTERS 21 10 26 Well, well, well, well, well…. - As an accountant I have never paid tax on credit, but I’ve changed! - It started as anti-small business expected to absorb the bank charges yet with government not doing the same. - Embarrassing backdown by the government to allow it for a while longer. - Ultimately the banks never lose they will still surcharge us, businesses will raise prices beyond the surcharge (more inflation) and we’ve just punched a likely $2b hole in the budget. - In the meantime, the only way we can fightback is to make sure we responsibly pay everything (not just taxes) on card to accumulate points as higher prices, even lesser reward points are on their way and dare I say it probably another look at the fringe benefits tax exemption on business points. - On the other hand, I never charged the surcharge to my clients and took the approach it was better to have money in my account sooner. Maybe its a smart move from the government where time will tell!! The information on Ticker is for general information only. It is not financial advice, just an opinion/tips. It should not be taken as constituting professional advice from the network owner Ticker Studios Pty Ltd or the sponsors of the show or any of its hosts. Dr Steven Enticott is a Chartered Tax Advisor and is not a registered financial planner. You should consider seeking independent legal, financial, taxation or other advice to check how the show’s information relates to your unique circumstances. The show and hosts are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this program.
Paying the ATO for flight rewards
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Paying the ATO for flight rewards

Acknowledgement is the start of education well done. Stop using them, personal loan replacement, or focus on repaying. Swap to interest free deals etc • Pay Fortnightly: Split your monthly payment into two equal fortnightly chunks. This lowers your daily balance and reduces the compounding interest. • Consolidate: Look into a fixed-rate personal loan [Ref: 1]. This locks in a lower interest rate and a strict end date, mimicking a predictable car loan structure. Recessions and safety nets - a modern young Aussie's safety net is split into three main categories: personal savings, government support, and the informal "Bank of Mum and Dad." The information on Ticker is for general information only. It is not financial advice, just an opinion/tips. It should not be taken as constituting professional advice from the network owner Ticker Studios Pty Ltd or the sponsors of the show or any of its hosts. Dr Steven Enticott is a Chartered Tax Advisor and is not a registered financial planner. You should consider seeking independent legal, financial, taxation or other advice to check how the show’s information relates to your unique circumstances. The show and hosts are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this program.
MONEY MATTERS (Credit Cards & Recessions)
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MONEY MATTERS (Credit Cards & Recessions)

Automate savings, ruthlessly slash fixed overheads, and gamify daily spending. Raising GST would counterproductively spike inflation, disproportionately hurt low-income earners as they spend all income (not high-income earners) and business will increase prices to protect profits. Increasing super a better way in my view. The information on Ticker is for general information only. It is not financial advice, just an opinion/tips. It should not be taken as constituting professional advice from the network owner Ticker Studios Pty Ltd or the sponsors of the show or any of its hosts. Dr Steven Enticott is a Chartered Tax Advisor and is not a registered financial planner. You should consider seeking independent legal, financial, taxation or other advice to check how the show’s information relates to your unique circumstances. The show and hosts are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this program.
MONEY MATTERS (Your savings & the RBA)
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MONEY MATTERS (Your savings & the RBA)

New Capital Gains Tax Rules “Is it time to turn off dividend reinvestment” Pros • Compounds return – Dividends buy more shares & can generate more dividends. • Increases share ownership – Automatically accumulate more shares over time. • Convenient – Reinvestment happens without manually buying shares. Cons • Less cash available – You don't receive the dividend as spending money. • Can buy at high prices – Reinvesting when shares are expensive. • May reduce diversification – More invested in the same company or fund. The new CGT indexation effect with dividend reinvestment from 1/7/27: • Each reinvested dividend creates a new share parcel with its own cost base. • Each parcel will have a different indexation period because it was acquired on a different date. • This makes CGT calculations more complicated, because you may need to calculate the indexed cost base separately for each reinvestment. Simple example: You buy shares in & reinvest bi-annual dividends for 2026, 2027 & 2028. You now have 6 acquisition dates and potentially 6 different cost bases/indexation calculations when you eventually sell. Mind you it’s great for accountants’ fees and to a degree software will assist us all, but for Dr Steve mine are now turned firmly off. The information on Ticker is for general information only. It is not financial advice, just an opinion/tips. It should not be taken as constituting professional advice from the network owner Ticker Studios Pty Ltd or the sponsors of the show or any of its hosts. Dr Steven Enticott is a Chartered Tax Advisor and is not a registered financial planner. You should consider seeking independent legal, financial, taxation or other advice to check how the show’s information relates to your unique circumstances. The show and hosts are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this program.
Are You Dividend Reinvesting... ?
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Are You Dividend Reinvesting... ?

Traditional Wealth Formula: Create a surplus & invest it Why? More wealth more choices. However, It’s not wealth till its after-tax wealth (Dr Steve-ism) The challenges: Productivity is falling Propped up with a Ponzi scheme of immigration Spending isn’t slowing Inefficiency is growing Needs are growing Most people on some forms of government support Put your hands up if you are voting for austerity? Taxation: More taxes are certain Death taxes are coming (if not already here) Wealth based taxes will come Formula hasn’t changed: Create a surplus & invest it is still the same with a caveat. That’s a surplus of skill, time, or finances In Australia – there is always superannuation if you have no surplus The new caveat: The caveat is use it or lose is the new mantra or even worse they will spend it Create the surplus. But then... Use it. There’s no prize, or treasury thank you letter for dying with the biggest balance sheet. Because there is nothing happier than a tax-deductible life, folks. The information on Ticker is for general information only. It is not financial advice, just an opinion/tips. It should not be taken as constituting professional advice from the network owner Ticker Studios Pty Ltd or the sponsors of the show or any of its hosts. Dr Steven Enticott is a Chartered Tax Advisor and is not a registered financial planner. You should consider seeking independent legal, financial, taxation or other advice to check how the show’s information relates to your unique circumstances. The show and hosts are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this program.
Building Your (New World) Wealth
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Building Your (New World) Wealth

Ticker - 4/8/26 with Ahron Young: Using Victoria as an example (similar applies in other places like California and Canada) has become the highest-taxed state in Australia with a net debt forcing interest repayments to consume roughly 1 in every 10 dollars of state revenue. ________________________________________ The Gap Between Revenue Growth and Spending Cuts Victoria's state taxes currently sit at 6.2% of Gross State Product (GSP), compared to New South Wales at 5.7% and a national state average of 5.0%. • The Reality: Victoria has the highest tax burden in the country, which is actively damaging business competitiveness and discouraging investment. • The Fix: Moratorium on new taxes & phase out pandemic payroll & land taxes to restore confidence. ________________________________________ There's nothing wrong with borrowing for producing assets and I feel its the way out - Opinion - Yet can our political classes actually get it right? That is my concern! ________________________________________ The information on Ticker is for general information only. It is not financial advice, just an opinion/tips. It should not be taken as constituting professional advice from the network owner Ticker Studios Pty Ltd or the sponsors of the show or any of its hosts. Dr Steven Enticott is a Chartered Tax Advisor and is not a registered financial planner. You should consider seeking independent legal, financial, taxation or other advice to check how the show’s information relates to your unique circumstances. The show and hosts are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this program.
Financial Recovery - Borrow More?
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Financial Recovery - Borrow More?

When taxes go too far… Ticker 21/7/26 with Ahron Young 17th-century finance minister, Jean-Baptiste Colbert: "The art of taxation consists in so plucking the goose as to obtain the largest possible number of feathers with the smallest possible amount of hissing" Tobacco excise tells the tale - (The ABS) the share of tobacco consumption from illicit sources rose from 12% in 2017 to 80% in 2025. $8b has been wiped from expected tax revenues and that nicotine consumption increased by almost 40% between 2017 and 2025. 75% of a cigarette is tax. Critics of high excise increases argue: Making legal tobacco extremely expensive created the opportunity for criminals to supply cheaper alternatives. Public health advocates argue: The tax policy successfully reduced smoking, and the problem is that criminal networks exploited demand that remains. "These numbers put it in the starkest terms possible," said James Martin, a Deakin University criminologist who described the findings as "absolutely staggering". "It's simply not possible to enforce your way out of a mess of this size." So, let’s talk about 62.9% tax on trust to company distributions and some 80% taxes on capital gains, too high? Even the godfather of labour taxes Paul Keating said above 39% tax rate is basically theft. People will find a way – Produce less, stay under the radar, leave Australia, offshore, never sell assets, overclaim expenses, trade in cash, gold, barter, restructure, commit fraud, give up, you name it people will find a way and I’m seeing more and more of it. You cannot enforce it. The same as in tobacco. When taxes go too far. The push back is already underway. The information on Ticker is for general information only. It is not financial advice, just an opinion/tips. It should not be taken as constituting professional advice from the network owner Ticker Studios Pty Ltd or the sponsors of the show or any of its hosts. Dr Steven Enticott is a Chartered Tax Advisor and is not a registered financial planner. You should consider seeking independent legal, financial, taxation or other advice to check how the show’s information relates to your unique circumstances. The show and hosts are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this program.
When taxes go too far…
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When taxes go too far…

Money Matters - Ticker 07/07/26 - With Ahron Young “The Boom Bust Cycle” - means busts are inevitable: The best protection against a crash isn’t prediction, but preparation—ensuring you have cash flow, diversification, and defensive structures so you’re not forced to sell during a downturn. Lets get excited about accepting the reality and maximising our outcomes. Black Swans are real: • A share market crash is considered inevitable over time, so investors should prepare in advance rather than try to predict it. Past crashes (GFC, COVID) showed losses can be severe and sudden. • The main risk is being forced to sell assets during a downturn, especially for retirees who rely on investments for income (“sequencing risk”). • Defensive planning focuses on ensuring liquidity and stability so you can ride out downturns without panic selling. Key strategies: • Bucket strategy (cash buffer approach) Keep 1–2 years of living expenses in cash, plus additional funds in defensive assets like term deposits and bonds. Younger investors may treat this as an “opportunity fund” to buy assets after a drop. • Maximising cash / term deposits Use high-interest cash accounts and “laddered” term deposits to generate steady income over different time periods, reducing reliance on selling shares. • Turn off dividend reinvestment plans (DRPs) Instead of automatically reinvesting dividends, take the cash to improve liquidity during uncertain markets. • Put options / defensive ETFs More advanced investors can hedge by using put options or “bear ETFs” that rise when markets fall, though these come with ongoing costs and complexity. • Diversification Spreading investments across sectors (shares, bonds, gold, emerging markets, etc.) helps reduce the impact of any single market crash and smooth returns over time. The information on Ticker is for general information only. It is not financial advice, just an opinion/tips. It should not be taken as constituting professional advice from the network owner Ticker Studios Pty Ltd or the sponsors of the show or any of its hosts. Dr Steven Enticott is a Chartered Tax Advisor and is not a registered financial planner. You should consider seeking independent legal, financial, taxation or other advice to check how the show’s information relates to your unique circumstances. The show and hosts are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this program.
Why we should love a market bust...
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Why we should love a market bust...

"Don't get angry; get even" Negative gearing, Capital gains tax changes are drastic enough but lets focus on trusts. Trust distributions to private company and back out to a top tax paying individual 62.9% Three steps to channel your emotional energy away from venting and into strategic evening of the score. 1. Retaliation (The literal approach) Time-consuming, and takes a toll on your mental health. Walk away folks and use your vote wisely. 2. Personal Success (The constructive approach) Instead of wasting time on anger pour that effort into self-improvement, moving on, or achieving a better position where the original slight no longer matters. 3. Leads to Moving on (often in a far better position) When you stop reacting emotionally you strip the situation of power. This often neutralizes the dynamic far better than an escalating conflict. How to move on 1. Restructure your affairs once legislation is out as it has been mooted CGT free rollovers will be in place for the changes. For example when all knowns become known you may: - Insert an investment company between business company and family trust to move at risk profits out of trading entity. - Or change from Family Trust to a Fixed trust to a private investment company. - Consider doing all your investing in a private family company 2. It’s a different world now and the changes will not stop, death taxes will come in eventually and you should be structuring yourself ahead of time to accept the likely fact. 3. You can still negative gear new builds, commercial properties, existing investments, share portfolio, farms – it’s not the end of the world folk. Well yet anyway. The information on Ticker is for general information only. It is not financial advice, just an opinion/tips. It should not be taken as constituting professional advice from the network owner Ticker Studios Pty Ltd or the sponsors of the show or any of its hosts. Dr Steven Enticott is a Chartered Tax Advisor and is not a registered financial planner. You should consider seeking independent legal, financial, taxation or other advice to check how the show’s information relates to your unique circumstances. The show and hosts are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this program.
62.9% tax rates !!
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62.9% tax rates !!

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