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A Blueprint for Wealth Creation

By baccountant - December 11th, 2012, 23:03, Category: General

Wealth creation is a term given to the structured and purposeful methods used to grow the value of an asset or assets over an extended period of time. Many people use wealth creation during their working years to fund an enviable lifestyle in retirement or to provide an inheritance for their families. Others need to feel financially secure and use it to create a buffer between themselves and financial adversity in the event of ill health and loss of income.

Slow and Steady Wins the Race

Creating the level of wealth that would assist a person to achieve these goals is not something that generally happens over a few months or even a few years. It is also not an exercise solely for people who are already wealthy. In fact, given reasonably secure employment and a modest salary, almost anyone can build wealth over the long term. It depends on the individualís level of commitment, setting clear, achievable goals and being consistent with the strategy devised.

Once the decision has been made to fully commit to creating wealth, advice should be sought from experienced accounting Brisbane professionals. They can help a client crystallise goals that seem too far away to be seen with any clarity. By defining these goals and setting some objectives to assist with reaching them, they can then devise a comprehensive, well-researched plan to set the client on the road to wealth building.

As an example, a young person in their early twenties could decide that property was their starting point. By saving a deposit and buying a modest investment property using a negative gearing strategy, a tenant pays much of the mortgage. At tax return time, the cost of holding the property is more than the income. This loss is offset against the total taxable income, producing a reasonable tax refund which could then be used to purchase, for example, some shares.

By repeating this exercise for several years running, the person now not only has a reasonable portfolio of shares, but some equity in the property. This equity is used to purchase another rental property, fully negatively geared which produces a similar result as the first. Now the person has more choices about what to do with the tax refund. They could continue as they have done, or branch out into other investment areas.

Professional Accounting Advice Essential

Accounting advice is essential all the way along this journey. The tax laws change almost every year, with some deductions available one year and not the next. Legislation is introduced to stimulate a certain sector of the economy. Strategies that were viable a couple of years ago are not as attractive now as the market and the economy change and develop. Accountants are required to keep in touch with all these types of changes, and are the best people to advise if and when a wealth creation strategy should change direction.

Having some wealth behind you is a security blanket against adversity. Unfortunately, most Australians who are nearing retirement age have only meagre superannuation balances to supplement their government pensions. The ship has sailed for the immediate post-war generation, but there are ample opportunities for the rest of the workforce to take stock and start setting some wealth goals. Click here for more informationÖThere is still time for many people in the workforce to get on board and secure their financial future.

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A Blueprint for Wealth Creation

By baccountant - December 10th, 2012, 22:07, Category: General

Wealth creation is a term given to the structured and purposeful methods used to grow the value of an asset or assets over an extended period of time. Many people use wealth creation during their working years to fund an enviable lifestyle in retirement or to provide an inheritance for their families. Others need to feel financially secure and use it to create a buffer between themselves and financial adversity in the event of ill health and loss of income.

Slow and Steady Wins the Race

Creating the level of wealth that would assist a person to achieve these goals is not something that generally happens over a few months or even a few years. It is also not an exercise solely for people who are already wealthy. In fact, given reasonably secure employment and a modest salary, almost anyone can build wealth over the long term. It depends on the individualís level of commitment, setting clear, achievable goals and being consistent with the strategy devised.

Once the decision has been made to fully commit to creating wealth, advice should be sought from experienced accounting Brisbane professionals. They can help a client crystallise goals that seem too far away to be seen with any clarity. By defining these goals and setting some objectives to assist with reaching them, they can then devise a comprehensive, well-researched plan to set the client on the road to wealth building.

As an example, a young person in their early twenties could decide that property was their starting point. By saving a deposit and buying a modest investment property using a negative gearing strategy, a tenant pays much of the mortgage. At tax return time, the cost of holding the property is more than the income. This loss is offset against the total taxable income, producing a reasonable tax refund which could then be used to purchase, for example, some shares.

By repeating this exercise for several years running, the person now not only has a reasonable portfolio of shares, but some equity in the property. This equity is used to purchase another rental property, fully negatively geared which produces a similar result as the first. Now the person has more choices about what to do with the tax refund. They could continue as they have done, or branch out into other investment areas.

Professional Accounting Advice Essential

Accounting advice is essential all the way along this journey. The tax laws change almost every year, with some deductions available one year and not the next. Legislation is introduced to stimulate a certain sector of the economy. Strategies that were viable a couple of years ago are not as attractive now as the market and the economy change and develop. Accountants are required to keep in touch with all these types of changes, and are the best people to advise if and when a wealth creation strategy should change direction.

Having some wealth behind you is a security blanket against adversity. Unfortunately, most Australians who are nearing retirement age have only meagre superannuation balances to supplement their government pensions. The ship has sailed for the immediate post-war generation, but there are ample opportunities for the rest of the workforce to take stock and start setting some wealth goals. Click here for more informationÖThere is still time for many people in the workforce to get on board and secure their financial future.

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Business Budgets are Essential Management Tools

By baccountant - November 27th, 2012, 19:51, Category: General

For business owners and managers accustomed to working with budgets on a daily basis, it is hard to imagine anyone going into business without a properly structured, working budget. Believe it or not, many one-person operators start their businesses without undertaking this vital exercise. Typically, the business is in a service or sub-contracting area, such as a mobile mechanic, carpenter, concreter or landscaper, or perhaps a home-based on-line business like a virtual assistant or internet entrepreneur.

At this start-up stage with no employees, as long as money is coming in to cover expenses and a wage for the operator, a budget is not a priority. But what happens to the budding business as it starts to grow beyond the capacity of one person to operate it? For an in-demand service, this can happen quite quickly, sometimes within the first year. Suddenly, the owner needs to hire staff, purchase plant and equipment and move out of the home office to proper business premises.

Oops Ė Maybe We Need a Budget

Now the owner needs to approach a financial institution for a business loan without having some of the basic documents any loan application would require, and one of these is a budget. For many small business operators, this is a watershed moment. To get the loan they need, they are now forced to do what they should have done at the start Ė get some professional accounting Brisbane assistance to implement a business plan and a budget. MSI Taylor is a firm of accountants and business advisors that do this every day of the week.

A typical budget structure for a small business is usually created on spreadsheet software. Every income and expense account is listed down the left hand side of the spreadsheet, and across the top is a series of columns for each month of the year. For extra control over budget spending, having two columns for each month is even better Ė one for the budget figure and one for the actual figure, once it is known for that month.

Taking Budgeting Seriously

For the budget to be meaningful, it cannot be a crystal ball gazing exercise. Some serious thought must go into the figures to make them as close as possible to the likely outcome. For example, in the income columns, if the business closes down for a month over Christmas, the income for December should be much less than for November and January.

Once the expenses for December are then added and a total generated of the difference between the two, a lack of cash flow will be immediately obvious and therefore indicate that an overdraft will be required. It is much better to approach the bank about an overdraft in August, rather than leave it to mid-November and go cap in hand because the business is in trouble. MSI Taylor works with their business clients to design a budget to suit their individual business.

With the budget done and the owner using the information, it is easy to find savings and use them elsewhere. For example, the owner may look at the budget cost to move to new premises this financial year. If that move isnít time critical, it may be decided to wait a year and use that money to increase the repayment amount on the business loan. When the time comes for the move, the loan will already be paid and the cost of the new premises will not be a burden.

Budgets are one of the most powerful ways to manage finances, for both businesses and households. Failure is through lack of diligence to include every single income and expense item, spending on items not budgeted for, and not keeping the budget figures accurate and up to date. Go to www.msitaylor.com.au for information about business budgets.

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Long-term Survival Depends on Succession Plans

By baccountant - November 13th, 2012, 17:50, Category: General

Any successful business that has been in existence for some years has, at its core, a framework of planning. Annual financial and business plans, long-term strategic plans, performance management plans and production plans all serve to place structure into daily operations. Businesses need plans because they serve as a directional tool to keep everyone focused on set goals. When day-to-day operations become chaotic, as they can, the plan is a reference point to bring them back to reality.

Failing to Plan Ė Planning to Fail

Businesses that donít plan typically donít survive in the long term. They may have everything else going for them, but at the first sign of crisis, they are like a rudderless ship. They may weather the first few storms, but eventually there will be a major wave that causes them to flounder. Good business operators know this, so it almost defies belief that many businesses operating long term, sometimes for 40 or more years, have no succession plan in place.

The business world is littered with the remains of once-successful businesses, many of them quite large and well-known, which slowly faded into oblivion. Usually the major driving force has either retired suddenly without a proper hand-over process, or died, leaving a vacuum. Without a clear line of succession, power struggles begin and the management team becomes so dysfunctional, they can no longer run the company. Competitors take their markets, and the company dies a slow death.

Every business owner should have a succession plan. Many know it but have put it aside to get on with their day to day management. It doesnít have to be this way, especially when there are many 
accountants Brisbane ready and available with the skills to help owners put a succession plan together. Engaging an external accountant to work on it allows the owner to get on with running the business.

Use a Professional Ė Itís not a DIY Exercise!

Some owners try to draw up a succession plan themselves, but in doing this, they often miss important details or donít ask themselves the right questions. Items that need to be considered include setting a definite date for the current owners or directors to retire and issues of ownership and how that will pass into other hands. There are also financial considerations such as having capital available to pay capital gains tax if the decision is to sell the business upon retirement.

If the business is a family company and the plan is to hand over to the next generation to manage, this is a different scenario altogether. Sibling and family rivalries can quickly bubble to the surface and disrupt the process of sound management. Having an accountant involved in getting the plan together can be useful when people who have been overlooked question motives. It is much easier to refer them to a document that includes role descriptions and necessary qualifications developed by an objective outsider, than to tell them they donít have the appropriate skills.

Succession plans pave the way for a smooth transition to new ownership. They set out guidelines, give direction when questions are asked, set actions and timelines for certain processes to occur, and cut through most emotions and illogical assumptions. Anyone responsible for a business or organisation that has no succession plan is leaving the way open for all their hard work to come to nothing. 
For more information on succession planning, click here.

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Invest for the Future Ė Take Action Now!

By baccountant - October 30th, 2012, 21:24, Category: General

Most working Australians donít think of themselves as investors, but with millions of wage and salary earners having compulsory superannuation, this is exactly what they are. Even though they have shares, term deposits, and other investments in their superannuation accounts, they donít take an active interest in their financial affairs. Consequently, they leave decision-making up to the fund managers.

How People Can Build Wealth through Investing

These same people most likely have other assets outside of superannuation. If they have been working for some years, they probably own or are buying a residence, have a couple of vehicles and some cash in the bank. Without knowing it, they have the foundations of an investment portfolio. By contacting MSI Taylor they could be accessing investment strategies researched and compiled by authorised financial planners.

MSI Taylor is a firm of accountants and business advisors based in Brisbane. Since 1990 the company has been a member of the MSI Global Alliance, an organisation with 250 member firms in 100 countries. As well as providing accounting Brisbane services to local clients and client businesses, MSI Taylor helps local enterprises with overseas ventures through membership of the Alliance. They are authorised financial planners as well as accountants, and this allows them to review and advise on current and future investments.

MSI Taylor has been in business since 1972 so they have experienced the volatility of investment markets. They developed a range of investment strategies designed to negate this volatility by spreading the risk. This means that when one sector of the investment market is performing poorly, other more robust sectors are gaining ground. For example, if residential property is seeing only modest returns, their property accountant may be recommending commercial property to investors. By investing across a broad range of alternatives, all the eggs are not in the same basket, so the risk is spread.

What About the Ups and Downs of the Market?

Investing has sometimes been compared to gambling on the horses. While there is no doubt that the market can fluctuate, and in times of financial crisis, these fluctuations can be major movements, the comparison is unfair. The variables in a horse race are unknown and uncontrolled, while there are all kinds of information available regarding investment markets.

MSI Taylor readily admits that timing the financial and investment markets can be as uncertain as the outcome of a horse race. However, they have a strategy to even out the bumps. Called dollar cost averaging, itís an excellent strategy for uncertain times. The investor makes regular, small contributions to their investment strategy instead of one lump sum payment. In this way, they are working with the market on a continual basis rather than trying to ďcatch the waveĒ, which is something that even the smartest investors can get wrong.

Knowing when to invest and what to invest in is not a job for an amateur. The experienced professionals at MSI Taylor monitor investment performance and balance the blend in the portfolio between property, shares, cash, and bonds/fixed interest. They do all the hard work, while their clients relax in the knowledge that their investments are in good hands. To obtain more information, go to MSI Taylor.

A Business without Appropriate Insurance is a Disaster Waiting to Happen

By baccountant - October 15th, 2012, 23:52, Category: General

One of the issues often missed in the excitement and flurry of starting up a business is insurance. Registering a business name, getting an ABN and other essential licenses, opening a business bank account and finding premises are where the sole trader usually starts. They may know or have been advised to also take out public liability insurance in the event that something associated with their business causes injury to someone else. However, they are often so preoccupied with servicing their new customers/clients and running the business that other insurances are put on the back-burner to be addressed at a later date.

Unfortunately, insurance by its very nature is something that only becomes necessary after a major incident has occurred, and of course, then itís too late. This can mean the difference between a fledgling business surviving or going into bankruptcy, as the costs associated with the incident are impossible for the owner to cover. Along with tax and accounting advice, many accountants also have qualified advisors who can provide information about insurance, so this is a good place for the new business owner to start.

Apart from public liability insurance, the next important policy to take out is income protection insurance. As its name indicates, this type of policy is designed to replace the income of the business operator if that person is unable to work. The ownerís capacity to earn an income is not only vital to the ongoing operation of the business, but also to any family dependent on the income from that business. A mortgage, car loan, household debts, school fees, daily living expenses, all these commitments require a regular income, and income protection insurance provides this.

It is almost a given that a business owner should have life insurance, for many of the same reasons that they should hold income protection insurance. The difference of course, is that life insurance is only payable on the death of the insured, and as tragic as the situation may be in the short-term, having that insurance can give the family the time they need to make more permanent decisions. Business protection insurance covers more scenarios again than the others just mentioned and is designed to protect the equity the owner has in the business. It can cover situations such as being in a partnership and having one partner die or become too ill to work the business. The policy will provide funds to buy out the interests of the deceased or departing partner while at the same time, protecting the interests of that partner.

These are just some of the scenarios and threats that can cripple a business that has not prepared for them by arranging the appropriate insurance policies. If you are a business owner who has not considered some of these measures, your
accountant Brisbane is a good starting point.

Getting Ready for the Hand over Ė the Challenge Facing Every Business Owner

By baccountant - October 2nd, 2012, 21:07, Category: General

If you are running a business, regardless of size, you should have structured and documented plans in place to ensure that the entity continues to exist and thrive beyond the time frame where the current management or owners would be expected to be involved. The process by which these documents are developed is called business succession planning, and failure to do this with sufficient thought and detail is the reason why many businesses struggle or fail completely when the time comes to hand over to the new guard.

MSI Taylor is an experienced accounting firm specialising in assisting clients to develop succession plans. If your business doesnít have these plans in place, it is already at risk of unravelling should key people in the organisation leave abruptly with no successors selected or trained. Even though your company or business may be solid, with long-term contracts, skilled staff and sound management systems, there are key questions that need to be answered and actions taken based on those answers. And the time to act is now.

Some of the questions are quite basic e.g. when are the current directors/owners planning to retire? This seems simple enough but without a definite time frame, it is very difficult to prepare people for new roles while they are still giving all their attention to their current duties. A consultation with a business accountant at MSI Taylor who specialises in business succession planning will identify many more questions. Discussing possible answers with such an expert is an excellent place to start.

Now that weíve started the ball rolling, letís throw in another question. How will ownership of the entity pass to the new guard? This will depend, of course, on the existing ownership structure and what the intentions are e.g. if it is a family business, it may be that a change of directors is required. In that case, how will the purchase of shares be funded? If the intention is to sell the business to fund retirement, this is a whole different ball game. How will the sale be managed? Will the sale attract capital gains tax? These are questions best answered by an accountant Brisbane.

MSI Taylor has assisted many clients through the business succession planning process, and this experience allows them to raise issues that they are aware of, but you as the business owner or manager, may not have thought about. Issues such as protection of existing staff entitlements, guarantees of employment for a specified period of time after the transfer, the ownership of product licences and patents, the distribution of shares and many other considerations all need to be worked through and documented in the succession plan.

Once this has been achieved, the plan is useless if it simply sits on a shelf in the Board Room. MSI Taylor can also advise on implementation strategies and assist you with a structure that will guide you through the actions required and the time frames for completion. Having tools like checklists and action plans for significant milestones sets in place a process that anyone with the decision-making authority can follow.

With MSI Taylor guiding you through the whole process, you have an expert you can contact quickly if there is a problem, or a matter has arisen that needs a sounding board. Their client base is not confined to profit-making enterprises, but includes community organisations and not-for-profit companies, who all need succession plans for the same reasons that private enterprise does. Itís tragic that people spend years of their time, energy and passion giving service and providing products, and it often falls apart when the key driving force leaves the business. Donít let that happen to your legacy.

Franchisor or Franchisee Ė Understanding the Difference

By baccountant - September 17th, 2012, 22:25, Category: General

There are two sides to every story, and each side views events through their own filter, or perspective. Itís a similar situation with franchising. There are two sides to the franchise concept, one from the perspective of the franchisor and the other from the perspective of the franchisee. The franchisor typically has an excellent business idea which becomes successful enough for the franchisor to consider duplicating the entire concept and selling it to others for a profit. The franchisee wants to buy a business, but would rather get into something already established than start up from scratch.

Both business models suit the particular party at the time. Franchising has been spectacularly successful over the past thirty years or so, and has spawned hundreds of businesses that are now household names. Where once this type of duplication was the province of multi-national companies that established branches in every city, franchises, while spread in a similar fashion, are individual businesses with different owners.

Take as an example a simple service business like a mowing and gardening. An enterprising person starts their own mowing service, builds it up through good, reliable service and the ability to on-sell extras like replanting seasonal flower beds etc. Eventually they have more clients than they can service, and are still getting new referrals. After consulting with their accountant Brisbane, they package the whole concept including their business plan, marketing methods, branding etc. and sell it as a start-up business with a small book of established clients. They are now a franchisor.

The person who buys the franchise always wanted a small business, but didnít know how to get started. While very good at mowing and gardening, they had no idea how to market, advertise, set up business systems, invoice clients etc. By buying a franchise, everything is set up including some clients to get a kick start. All they need do now is build on that base. They are now a franchisee.

Either of these scenarios is a perfectly legal, legitimate and mostly profitable business model, especially suited to personal services or small retail outlets. There is now a national association supporting franchising from both perspectives and the concept has grown into a multi-billion dollar business and industry sector. However, like any business venture, the key to deciding which side of the fence in franchising to straddle lies in getting expert business advice.

In any industry of this size, there will always be business failures, whether through economic circumstances, poor planning, lack of start-up capital, bad management or other causes. Franchising is not immune to these factors, but getting sound advice from a business accountant who specialises in franchising will get the business started on a sound footing, or alternatively, caution the client against it for sound business reasons.

The popularity of buying a franchise for the small business owner has been the ease of entry into a business, and the on-going support provided by the franchisor. For the franchisor, the lure is often seeing a great business idea take off, and the freedom to have a continual income stream without being involved in the day to day grind of managing a business. When both come together successfully the rewards are great for everyone, but there should always be that consultation with a professional business advisor to smooth out the bumps in the ride.

Tax Planning an Essential Tool to Ensure Compliance

By baccountant - August 29th, 2012, 19:04, Category: General

Are you the owner of a business that has grown beyond your expectations and is at risk of stalling because of a structure that no longer serves its purpose? Perhaps you are an investor with multiple properties and interests, looking to minimise the impact of taxation on your returns while still discharging your legal tax responsibilities. You may be a taxpayer receiving a wage or salary who wants to take advantage of wealth building opportunities, but needs help to understand how that will affect the tax you will pay.

If any of that sounds like you, keep reading and you will be introduced to MSI Taylor, Accountants and Business Advisors. This leader among accounting firms has been providing tax and financial services to its clients since 1972 from their Brisbane offices. With six working partners and a support staff of forty specialists in their respective fields, MSI Taylor can help anyone understand how the taxation system applies to their particular circumstance.

One of the key services MSI Taylor can provide to their clients is tax planning, a crucial but often overlooked strategy that, if well executed within the boundaries of the current legislation, can mean the difference between meeting their tax obligations and being totally unprepared, scrambling for funds to pay an unexpected tax debt. Having a strategy in place requires specialised knowledge of taxation legislation, the ability to formulate action plans to put before the client, and the skills to provide advice in clear terms to the client so they are able to make a decision

MSI Taylor is not just another accountant Brisbane who knows the taxation laws and are able to complete and lodge tax returns. They have the experience to recommend courses of action that will lead to meeting tax compliance without compromising future growth. Taxation planning requires a detailed knowledge of the clientís business or situation, and an understanding of where the client wants to be financially in the foreseeable future. By knowing the goal the client wants to work towards, MSI Taylor can recommend a clear path towards that goal, and milestones to be reached on the way such as, for example, a company restructure or asset management or capital raising or even a merger.

ďI had the opportunity to expand my business due to a large contract we won, but we didnít have a lot of our own capital to fund it. We were looking at raising capital through a private investor, but we really didnít know what the tax implications would be. After meeting with a tax planning specialist from MSI Taylor, we had a clear plan of action, and fully understood what was needed to get the project up and running and still manage our tax obligations,Ē said Lee K.

Some business owners get into difficulty with the ATO by underestimating the impact of taxes associated with their role as an employer. They generally have pay-as-you-go tax under control, but often forget about fringe benefits tax, payroll tax, compulsory superannuation guarantee and Workcover Ė all obligations that must be met by any employer wanting to avoid compliance issues. Advice on these issues is part of the service that MSI Taylor can provide when they work on tax planning with a client. If these extra taxes are identified and budgeted for, there is less likely to be a nasty surprise at end of financial year.

ďAs a new business owner with only a few staff, I thought I had everything covered tax-wise, but I had little direct knowledge of FBT and it bit me big time. Now, after getting together with the FBT guru at MSI Taylor, I know my liability and how to report it every year. With a solid plan in place, I wonít get caught again,Ē said Regis OíT.

Regardless of the size of your business, your investment portfolio or your salary, you will benefit from engaging MSI Taylor 
to assist you with taxation planning. By remaining compliant, keeping on top of changes to tax legislation and hitting those milestones on your long-term journey, you can build a solid financial future, and still meet your tax obligations.

Keep Your Tax Records Organised and Increase Your Tax Refund

By baccountant - August 15th, 2012, 19:19, Category: General

Are you one of those people who donít think too much about your tax return until itís time to lodge it? Youíre not alone, with many taxpayers waiting until they get their payment summary (group certificate pre-GST) before deciding who is going to do their tax return, what documentation they should have, and when they hope to get the return lodged. With most pay-as-you-go (PAYG) taxpayers expecting a refund, however small, it is very surprising that we are not nearly as diligent as we should be to take every opportunity to maximise that refund. With just a little forethought and organisation, everyone can get the best out of lodging their tax return.

The amount of time and organisation needed to keep everything in order depends on whether or not you run a business or are a wage and salary earner. Running a business requires a much higher level of organisation and the most important place to start is to ensure that your business and personal expenses are kept completely separate from each other. If they are all going into the same bucket, it is simply too difficult at tax time to separate them and be confident that everything is accurately accounted for. It makes life much easier for your tax accountant.

Whether you are a wage and salary earner or a business person, it is important that you have invoices and receipts for all tax related expenses, accurate records of all income, and some kind of system to keep them organised until it is time to lodge your tax return. Records can be kept electronically or be paper-based. Itís entirely up to you. If your affairs are fairly basic, all you really need is an accordion file to drop all the documents into when they have been dealt with. Itís a good idea to either put them in alphabetical order, or you could also file them monthly, starting a new section for each month.

Some people are natural organisers who have a place for everything, and put things where they belong every time, and there is no doubt that keeping everything organised is much easier if itís a regular habit. If putting things away immediately is not your style, then setting aside an hour or two regularly every month to find and file your tax records will bring huge benefits at the end of the tax year. Part of this process could also be keeping a running summary of the totals, creating a month by month record of each income and expense which just needs to be totalled at the end of the tax year, and handed to your accountant Brisbane.

With just a little effort and a regular habit of keeping all your tax records in one place, you will not only make the end of the financial year a breeze, but you may just find some legitimate deductions that you would have otherwise missed. This could increase the amount of any tax refund you may be due, just by getting organised.

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