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You are here: Home / Blog

Late Payment Research From Amex and Xero Highlights the Cashflow Burden for SMEs

04/04/2017

By James Harkness

Coinciding with the anticipated release of the Small Business Ombudsman’s report on its inquiry into payment times and practices, American Express has released research showing mid-sized Australian businesses…

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Using Superannuation for a First Home Deposit Is a Dangerous Idea

03/04/2017

By Anthony Keane

IT sounds like a tempting idea — let young Australians withdraw their superannuation early to use the money as a house deposit.

They get into their own home…

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The Facts About Bad Debt Deductions

01/04/2017

 

A debt to a business that is unpaid and deemed to be a “bad” debt can be an allowable deduction as long as it was included as assessable income…

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Five Ways to Better Manage Cash Flow

31/03/2017

By Yanir Yakutiel 

The numbers are in and the news isn’t great for Australian small business owners. The latest research by East & Partners shows more than half of SMBs…

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Myth Busting Claims About the Cost of Company Tax Cuts

30/03/2017

By Jim Minifie and Cameron Chisholm, Grattan Institute

In the drawn-out debate on the value of a company tax cut to our economy, there have been a number of claims: that the…

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StartupAUS Concerned by Absence of a ‘best Practice’ Copyright Protection in New Bill

29/03/2017

By: James Harkness

Copyright reforms tabled in Parliament, this week, exclude a ‘best practice’ mechanism that would have protected young companies against online infringement, according to Australia’s peak advocacy group for start-ups.

The Copyright…

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Unpaid Superannuation ‘far Worse’ Than First Thought

28/03/2017

By: Jackson Stiles

A Senate committee has been told that the devastating problem of unpaid superannuation is at least $2 billion worse than previous estimates.

Back in December, a joint Industry…

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Are You Hard-wired to Be a Start-up Founder?

27/03/2017

By: Clayton Howes

I’ll be honest: the reality of being an entrepreneur is far removed from the fantasy of sleeping in and days spent working from the couch between yoga classes…

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The Process (and Pros and Cons) of ‘electing’ to Be a Family Trust

25/03/2017

 

Trusts are an important and very useful concept for managing one’s financial affairs, as well as estate planning. The pros and cons of ‘electing’ to be a family trust

…

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GST Confusion for Cars

24/03/2017

By: Max Newnham

Businesses registered for GST can claim input tax credits, the GST included in payments, and reduce the amount of GST collected that must be paid to the…

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Testimonials

  • Dr Krish Perananthan

    Cosmetic and Implant Dentistry

    Ritchie was recommended to me by my father and I have also continued to recommend him to my friends. He is reliable, efficient and has a…

    Read full testimonial
  • Napoleon Guines

    Director, Travel Company Operations

    Ritchie Cruz and Co are accommodating and have excellent service.

    Cruz & Co have impressed me the most is due to their efficient service.  They are…

    Read full testimonial
  • Daniel Robey

    I have and continue to recommend Cruz and Co to many businesses and individuals who are looking for a business advisor and accountant that goes over and above…

    Read full testimonial
  • Regina Wang

    Business Tax – Beauty Salon 

    Ritchie has been managing my tax matters as a sole trader for 2 years+. Always very responsive to my questions and make effort to reply…

    Read full testimonial
  • Vanita Aloda

    Restaurant Owner

    Ritchie Cruz is my Accountant. We have a solid 10 year relationship.

    Ritchie as always provide me with honest and efficient service.

    Is a great communicator, always replies efficiently to…

    Read full testimonial
  • Jonathan Yeoman

    Director, Technical Design Company

    This is a new business startup and Cruz&Co. have provided great help, guidance and reassurance from the beginning.

    Ritchie has provided us with excellent service and…

    Read full testimonial
  • Jae Kwon Yoo

    Business Tax – Electrical Contractors

    Ritchie is awesome. He is very professional and responsive and he is always there to help you. He even replies during weekend. He needs some…

    Read full testimonial
  • Zac Fryer

    Director, Import and Distribution Company

    Ritchie Cruz provides and high level of accounting expertise and goes above and beyond in answering any queries we have.

    Read full testimonial
  • Jonathan Fambart

    Business Tax – Travel Industry

    Cruz & Co was introduced to me this year and it was the best decision for my sole trader and personal taxation affairs. Ritchie the…

    Read full testimonial
  • Kellie Pincham

    Director
    Automotive Parts Retailing business

    Cruz & Co offer a great professional and friendly service. Ritchie gave me confidence running the business knowing that he was readily available for…

    Read full testimonial

© 2025 Cruz & Co.

  • Home
  • About
    • Meet the Team
    • Our Clients
    • Testimonials
  • Services
    • Tax Consultant and Compliance Services
    • Small Business and Sole Trader Accountant
    • Outsourced Accounting Solutions
    • Business Structure
    • Outsourced CFO
    • Working Visa Refunds
  • Resources
    • Tax Refund Process
    • Client Assistant Schedule forms
    • Downloadables
    • Helpful Links
    • Rental Property Cashflow calculator
    • SMSF Tax Refund Process
  • Contact Us
  • Blog