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101 Ways To Save Money On Your Tax - Legally! 2015-2016

توضیحات

Have you really maximised your tax refund? Why give up more of your hard-earned money than you need to?

101 Ways to Save Money on Your Tax — Legally! is your ultimate guide to minimising your tax burden and maximising your return. Fully updated for the 2015–2016 tax year, this book is packed with tips, tricks and FAQs, and shows you which traps to avoid.

Author Adrian Raftery, aka Mr Taxman, is one of Australia's leading tax experts. In this book, he shows you how to leverage your deductions, including property, education, medical expenses, levies and more, so you can get the full refund you're entitled to, at any stage of life. Pay what you owe, and not a cent more, with this essential tax-time guide.

These invaluable tips apply to everyone at any age or income, including:

  • employees
  • business owners
  • students
  • families
  • superannuation fund members
  • investors with interests in rental properties and share portfolios.

Whether you take advantage of all 101 tips or just a few, this (taxdeductible!) book is the resource all tax-paying Australians need.


DR ADRIAN RAFTERY has over 20 years' experience as an awardwinning accountant and tax expert. One of Australia's leading tax and finance commentators, Adrian regularly appears on TV and contributes to magazines and newspapers. Visit him at www.mrtaxman.com.au

About the author xi

How to use this book xiii

Introduction xvii

Part I You and your family 1

1 Marriage 2

2 Income splitting 5

3 Dependant (invalid and carer) tax offset 7

4 Children 10

5 Paid parental leave 13

6 Dad and partner pay 14

7 Child care 15

8 Low-income earners 17

9 Senior and pensioner tax offset 19

10 Other government benefits 21

11 Family breakdown 25

12 Death 27

13 Trusts 30

Part II Your employment 33

14 Car usage 35

15 Methods to claim car travel 38

16 Travel 40

17 Uniform 43

18 Home office 45

19 Other work-related deductions 48

20 Keeping those receipts 51

21 ATO hit lists 53

22 Redundancy 56

23 Working a second job 58

24 Salary sacrif ice 61

25 Fringe benef its 63

26 Living-away-from-home allowance 67

Part III Your education 73

27 Claiming self-education expenses 74

28 The $250 threshold 77

29 Self-development courses 79

30 Higher Education Loan Program 82

31 Student Financial Supplement Scheme 86

32 Austudy and ABSTUDY 88

33 Trade Support Loans 91

34 Scholarships 93

35 School building funds 96

36 Education savings plans 98

37 Other government assistance 101

Part IV Your investment property 105

38 Negative gearing 107

39 Interest 110

40 Depreciation 114

41 Low-value pooling 117

42 Repairs and maintenance 119

43 Travel to see your investment property 122

44 Borrowing expenses 124

45 Legal expenses 127

46 Other rental property deductions 128

47 Foreign investment properties 132

48 Capital gains tax 134

49 PAYG withholding variation 137

50 Property genuinely available for rent 140

Part V Your shares 143

51 Dividends 145

52 Franking credits 148

53 Dividend reinvestment plans 151

54 Lower income earners 152

55 Borrowing to buy shares 155

56 Other allowable deductions 158

57 Shares and capital gains tax 160

58 Realising capital losses 162

59 Inheriting share portfolios 164

60 Share traders versus share investors 166

61 Rights and options 169

62 Employee share schemes 171

63 Share portfolios within self managed superannuation funds 174

Part VI Your superannuation 177

64 Contribution limits 180

65 Compulsory employer contributions 183

66 Salary sacrifice 186

67 Super co-contribution 189

68 Transferring foreign super 191

69 Self managed superannuation funds 194

70 Buying property within SMSFs 197

71 Gearing through a super fund 200

72 Accessing your super 203

73 Transition to retirement 205

74 Account-based pensions 207

75 Death benefits 209

76 Lost or unclaimed super 211

Part VII Your business 215

77 Choosing the right business structure 217

78 Tax obligations 221

79 Record keeping 225

80 Deferring tax 228

81 Trading stock 230

82 Bad debts 232

83 Home-based businesses 234

84 Employing people 237

85 Tax concessions and offsets 240

86 Selling or closing down 243

87 Personal services income 245

88 Non-commercial losses 247

89 Franchising 248

Part VIII Miscellaneous 251

90 Overseas income 252

91 Getting a great accountant 255

92 Lodging your tax return 258

93 Amending returns and objecting to assessments 261

94 ATO data matching 264

95 Problems paying your tax 267

96 Medical expenses tax offset 269

97 Levies 272

98 Zone and overseas forces tax offsets 277

99 Tax-effective investments 279

100 Tax planning as a 365-day process 281

101 Just do it! 283

Glossary 285

Bibliography 303

Index 305