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COVID-19: Understanding Finance Blog #3

[vc_row css=”.vc_custom_1586327456672{margin-right: 40px !important;margin-left: 40px !important;}”][vc_column width=”1/4″][vc_single_image image=”3176″ img_size=”full” onclick=”custom_link” css=”.vc_custom_1586397375176{border-top-width: 0px !important;border-right-width: 0px !important;border-bottom-width: 0px !important;border-left-width: 0px !important;}” link=”http://www.charltons.com.au/”%5D%5Bvc_single_image image=”3189″ img_size=”full”][/vc_column][vc_column width=”3/4″][vc_column_text]by Charlton’s Accounting and Tax Specialists

Improvisation in Isolation

Written by Chris Charlton.

    After the initial upheaval in our professional and financial lives we are getting used to what we have, not what we want.

The good news is that most of us are healthy, rediscovering the family and have moved past the shopping and consumer withdrawal.[/vc_column_text][/vc_column][/vc_row][vc_row css=”.vc_custom_1586327470031{margin-right: 40px !important;margin-left: 40px !important;}”][vc_column][vc_column_text]The facts in summary are that –

  •   The National  (bipartisan) Cabinet [ NC ] is working. [ The state governments remain dysfunctional]
  • We are in the main complying


  •  We believe that it will be over by the end of September [ as much normal as we can handle]
  • In the short term things we otherwise took for granted will be slowly relaxed


  •  The regulations around business closures were announced by the NC by legislated by the states. With NSW,  the relevance of this is there is a “sunset clause” when the laws cease being 29th June. So this is an actual date the NSW government is working towards.
  • Most of those who lost their jobs/businesses  have tried for Jobkeeper status and if they were ineligible defaulted to Jobseeker.
  • Whilst Jobseeker will take time it’s at least worth registering [ if you haven’t already] as its around $1100pfn no tax, whereas the Jobseeker its subject to tax so net is $1330.
  • If you factor in some of the jobseeker potential concessions e.g. rent assistance, there isn’t a big a gap as some commentators are suggesting.
  •  Both of these schemes end  September anyway.
  • Sole traders that don’t have employees, missed out on the business boost after it was first thought they would be included. Rules were a little easier potentially if they were directors of a P/L company. But essentially that ship has sailed.
  • The businesses due the cashflow boost get the good news once they actually lodge the March BAS [ if no March Qtr. BAS then alternate ways to do it]
  • Jobkeepers are essentially in the system [ should have been mostly paid by their designated employer by now]. Employer will be reimbursed around mid- May.
  • NSW small business grant ended up excluding sole traders with no employees too, and made eligibility harder.
  • Super is available as a realistic option [ the gloomy future predicted by those that are usually connected with the industry isn’t anywhere as bad]. If it bothers you, play catch-up when good times return. Check out  the MyGov site


Without delving into too much of the detail, the takeaways are

  •  Form a relationship with an accountant who can help ongoing [ yes the cost benefit should go your way]
  • Make sure you understand why/why not you are eligible for any of the benefits as they won’t be around forever and you will need some forward planning
  • Note that the Fair Work Act still lives [ with temporary wings clipped] when they grow back in September  the full provisions will apply again.  So relationships between employees and employers remain an enduring part of things.
  • Lastly, residential rental in NSW remains inadequately thought through. I find the Tenants Union NSW site a good resource.

Keep smiling



Chris Charlton loves music and is a massive metal head. He is also the Director of Chartlons, an Accounting and Tax Specialist firm with more than 35 years of experience in tax accounting, business strategy and advice. A fully registered company auditor with the Australian Securities and Investments Commission, and a registered examiner with the Law Society, Chris has also served as a non-executive Chairman and Director of a publicly listed company. Legend.

Favourite bands: Dream Theatre, Opeth, Disturbed

Favourite genre: PROG Metal

SIMA Spirit Band: Scoredatura

[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width=”1/3″][vc_single_image image=”3189″ img_size=”full” onclick=”custom_link” img_link_target=”_blank” link=”http://www.charltons.com.au/”%5D%5B/vc_column%5D%5Bvc_column width=”1/3″][vc_column_text]http://www.charltons.com.au
(02) 8267 6666[/vc_column_text][/vc_column][/vc_row]