 Beetroot Where to plant: Sow direct in garden
Harvest: From January
Broccoli
Where to plant: grow in seed trays, and plant out in 4-6 weeks
Harvest: From January
Capsicum
Where to plant: grow in seed trays, and plant out in 4-6 weeks
Harvest: From January
Celeriac
Where to plant: grow in seed trays, and plant out in 4-6 weeks
Harvest: From February
Cucumber
Where to plant: sow in garden, bring on it pots
Harvest: From January
Eggplant
Where to plant: grow in seed trays, and plant out in 4-6 weeks
Harvest: From February
Endive
Where to plant: sow direct in garden
Harvest: From January
Fennel
Where to plant: sow direct in garden
Harvest: From February
Leeks
Where to plant: grow in seed trays, and plant out in 4-6 weeks
Harvest: From February
Peas
Where to plant: sow direct in garden
Harvest: From January |
 Other expenses Typical expenses related to your employment may include briefcases, stationery, reference books, union fees, mobile phone calls, tools, computers, PDAs, smartphones, IPads, internet etc. Some expenses will have to be apportioned according to the business use expressed as a percentage.
If you work from home regularly i.e. School Teacher marking homework, and have a study or separate room at home set up specifically for work purposes then keep a diary for 1 month each year documenting the hours that you have worked there. You can then estimate roughly how many hours you would work over the entire year and claim up to $0.26 per hour as running costs for electricity and depreciation of furniture i.e. desk, chair etc.
Other Travel Expenses
Other TravelOther business travel by air, train, taxi, bus, parking fees, tolls, car hire and accommodation away from home etc may also be claimable. In some instances, such as train travel, you may not be able to retain your receipt. In such circumstances a diary recording the date and amount of the expense up to $10 per claim, would be acceptable up to a total limit of $200. |
 Too busy planning for today like there's no tomorrow? To busy to check your superannuation statement? It's not just what could be one of your most valuable assets in the future… it could also be the sole source of your personal insurances. So it's an important part of your life today as well as in the future and there is no time like the present to ensure everything is how it should be.
Checklist:
Check your death benefit amount. Is this enough to cover your debts, future living expenses, etc should something happen to you?
Check your trauma Insurance amount. Should an incident occur and you are never able to work again, would this amount cover all living expenses inlcuding any additional medical/care expenses?
Check your income protection insurance amount. Is this enough to cover all living expenses inlcuding any additional medical/care expenses should you be off work for a period of time?
Don't put it off for 'another day'. Please check your statement to ensure your insurances are sufficient for your current circumstances. If you feel they need to be reviewed, we can help! That's right, Keystone Financial can arrange your insurances through your superannuation. So continue to deal with someone you know and trust and contact us to discuss your current insurances. |
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