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  <posts>
    <post_id>1440</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[A Major Change for SMSF Property Buyers]]></post_title>
    <post_content_short><![CDATA[<table>
	<tr>
		<td>
			Planning to buy property through your SMSF? A key rule change from 10 August 2026 could impact your options. Understanding the deadline now
			may help you avoid missing an important opportunity.
		</td>
	</tr>
	<tr></tr>
</table>]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1440/Picture-1.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/insights/a-major-change-for-smsf-property-buyers/</post_content_url>
    <post_date>2026-07-28 01:08:00</post_date>
  </posts>
  <posts>
    <post_id>1439</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[Two Jobs, One Tax-Free Threshold]]></post_title>
    <post_content_short><![CDATA[<table>
	<tr>
		<td>
			Working more than one job this year? You could end up paying less tax throughout the year and more at tax time. Here's why it happens and
			how to avoid an unexpected bill.
		</td>
	</tr>
	<tr></tr>
</table>]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1439/Counting-Coins-lo-res.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/insights/two-jobs-one-tax-free-threshold/</post_content_url>
    <post_date>2026-07-27 23:45:36</post_date>
  </posts>
  <posts>
    <post_id>1437</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[Negative Gearing - What Actually Changes]]></post_title>
    <post_content_short><![CDATA[The headlines say negative gearing is "gone." For most investors, that is not what the new law does.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1437/Monochrome-living-room-with-wood-and-grey-tiling-accents.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/insights/negative-gearing-what-actually-changes/</post_content_url>
    <post_date>2026-07-20 00:09:35</post_date>
  </posts>
  <posts>
    <post_id>1436</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[The 30% Floor on Capital Gains]]></post_title>
    <post_content_short><![CDATA[From 1 July 2027, the 50% CGT discount will be replaced — for individuals, trusts and partnerships — by two mechanisms working
together: indexation of the asset's cost base, and a minimum 30% tax on the resulting net gain.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1436/Investment-property.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/insights/the-30-percent-floor-on-capital-gains/</post_content_url>
    <post_date>2026-07-14 06:52:53</post_date>
  </posts>
  <posts>
    <post_id>1435</post_id>
    <post_category_id>30</post_category_id>
    <post_title><![CDATA[outsource Elite Broker 2026]]></post_title>
    <post_content_short><![CDATA[]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1435/ELITE-BROKER-LEGENDS-and-LEGACIES-2026.png</post_icon>
    <post_content_type>none</post_content_type>
    <post_date>2026-07-07 23:44:00</post_date>
  </posts>
  <posts>
    <post_id>1424</post_id>
    <post_category_id>32</post_category_id>
    <post_title><![CDATA[Melbourne office tenants urged to act as supply window closes]]></post_title>
    <post_content_short><![CDATA[Since the beginning of 2025, 62 per cent of occupiers leasing more than 1,000 square metres have either expanded or maintained their footprint.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1424/Picture4.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartmortgagebroking.com.au/learning-centre/insights/melbourne-office-tenants-urged-to-act-as-supply-window-closes/</post_content_url>
    <post_date>2026-07-06 06:08:00</post_date>
  </posts>
  <posts>
    <post_id>1423</post_id>
    <post_category_id>32</post_category_id>
    <post_title><![CDATA[Investors circle darwin as commercial market momentum]]></post_title>
    <post_content_short><![CDATA[Darwin's commercial property sector is strengthening with rising rents.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1423/Picture3.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartmortgagebroking.com.au/learning-centre/insights/investors-circle-darwin-as-commercial-market-momentum/</post_content_url>
    <post_date>2026-07-03 05:32:00</post_date>
  </posts>
  <posts>
    <post_id>1434</post_id>
    <post_category_id>37</post_category_id>
    <post_title><![CDATA[Josh Underhill Appointed Partner at SMART Business Solutions]]></post_title>
    <post_content_short><![CDATA[<table>
	<tr>
		<td>
			SMART Business Solutions is pleased to announce the appointment of Josh Underhill as Partner, recognising his outstanding contribution to
			the firm and the clients he supports every day.
		</td>
	</tr>
	<tr></tr>
</table>]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1434/SBS_AU_EDM-Partner-Announcement-Cover.gif</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/learning-centre/business-news-and-media/josh-underhill-is-appointed-to-partner-at-smart-business-solutions/</post_content_url>
    <post_date>2026-07-01 06:10:39</post_date>
  </posts>
  <posts>
    <post_id>1432</post_id>
    <post_category_id>37</post_category_id>
    <post_title><![CDATA[Ryan Smit WINS Accounting Student of the Year]]></post_title>
    <post_content_short><![CDATA[Smart Business Solutions is proud to announce that Ryan Smit, an accounting student at RMIT University and Assistant Accountant at
	SMART Business Solutions, has been named <strong>Accounting Student of the Year</strong>, recognised for his forward-thinking approach
	to the profession and his commitment to integrating AI, intelligent workflows and technology into modern accounting practice.
]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1432/SBS-Awards-WEB-Post-(1920-x-1080-px).png</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/learning-centre/business-news-and-media/ryan-smit-wins-accounting-student-of-the-year/</post_content_url>
    <post_date>2026-06-30 02:36:00</post_date>
  </posts>
  <posts>
    <post_id>1431</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[Planning Your Super Contributions for the Year Ahead]]></post_title>
    <post_content_short><![CDATA[For many business owners, superannuation is something that gets attention in June — when tax planning comes into focus. But the real opportunity lies in planning your super contributions <strong>at the start of the financial year</strong>, not the end.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1431/Cheerful-man-with-beard-laughing-against-blue-background.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/insights/planning-your-super-contributions-for-the-year-ahead/</post_content_url>
    <post_date>2026-06-30 01:33:00</post_date>
  </posts>
  <posts>
    <post_id>1430</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[July is Lodgement Season: Your STP, WorkCover & Payroll Tax Cheat Sheet]]></post_title>
    <post_content_short><![CDATA[The new financial year has officially clicked over – and with it comes the trio of mid-year obligations every employer needs on the radar: <strong>Single
	Touch Payroll (STP) finalisation</strong>,
	<strong>WorkCover</strong> declarations, and <strong>Payroll Tax</strong> annual reconciliation.
]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1430/SML-LOOKING-AT-FIGURES.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/insights/july-is-lodgement-season-your-stp-workcover-and-payroll-tax-cheat-sheet/</post_content_url>
    <post_date>2026-06-30 01:05:03</post_date>
  </posts>
  <posts>
    <post_id>1429</post_id>
    <post_category_id>2</post_category_id>
    <post_title><![CDATA[SMSF & Residential Property: What the New LRBA Ban Means for You]]></post_title>
    <post_content_short><![CDATA[On 26 June 2026, the Federal Government passed a significant change to how Self-Managed Super Funds (SMSFs) can invest in residential
property. New Limited Recourse Borrowing Arrangements (LRBAs) to purchase residential property inside an SMSF will be banned
from approximately 10 August 2026  — 45 days after Royal Assent.
]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1429/Glod-coast-with-beach-front.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartprivatewealth.com.au/learning-centre/insights/smsf-and-residential-property-what-the-new-lrba-ban-means-for-you/</post_content_url>
    <post_date>2026-06-30 00:13:00</post_date>
  </posts>
  <posts>
    <post_id>1419</post_id>
    <post_category_id>48</post_category_id>
    <post_title><![CDATA[Episode 24: From The Pool To The Boardroom With Grant Hackett]]></post_title>
    <post_content_short><![CDATA[Grant Hackett joins Shannon Smit to share what it takes to perform at the highest level - from Olympic success to leading an ASX-listed
business. This episode unpacks the mindset, discipline and leadership habits that drive long-term success, including key lessons on
consistency, blind spots and building sustainable high performance.
	
]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1419/PODCAST-Web-Post-Cover_With-Grant-Hackett.png</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/podcast/episode-24-from-the-pool-to-the-boardroom-with-grant-hackett/</post_content_url>
    <post_date>2026-06-29 02:00:00</post_date>
  </posts>
  <posts>
    <post_id>1428</post_id>
    <post_category_id>32</post_category_id>
    <post_title><![CDATA[4 Things First Home Buyers Should Do Before The New FY]]></post_title>
    <post_content_short><![CDATA[The First Home Guarantee allows eligible buyers to purchase with a 5 per cent deposit without paying Lenders Mortgage Insurance.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1428/Picture3.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartmortgagebroking.com.au/learning-centre/insights/4-things-first-home-buyers-should-do-before-the-new-fy/</post_content_url>
    <post_date>2026-06-24 08:44:00</post_date>
  </posts>
  <posts>
    <post_id>1427</post_id>
    <post_category_id>32</post_category_id>
    <post_title><![CDATA[What’s the state of the 2026 federal budget for property?]]></post_title>
    <post_content_short><![CDATA[The 2026 Federal Budget proposed the most significant changes to residential property tax settings in a generation.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1427/Picture2.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartmortgagebroking.com.au/learning-centre/insights/whats-the-state-of-the-2026-federal-budget-for-property/</post_content_url>
    <post_date>2026-06-24 08:26:00</post_date>
  </posts>
  <posts>
    <post_id>1426</post_id>
    <post_category_id>32</post_category_id>
    <post_title><![CDATA[4 ways to strenghten your cash flow before the new financial year]]></post_title>
    <post_content_short><![CDATA[How a business crosses the 30 June line matters more than many owners realise]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1426/Picture6.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartmortgagebroking.com.au/learning-centre/insights/4-ways-to-strenghten-your-cash-flow-before-the-new-financial-year/</post_content_url>
    <post_date>2026-06-24 07:46:00</post_date>
  </posts>
  <posts>
    <post_id>1425</post_id>
    <post_category_id>32</post_category_id>
    <post_title><![CDATA[What businesses with ato debt should know their options]]></post_title>
    <post_content_short><![CDATA[From 1 July 2025, interest charges on business tax debt were also deemed non-deductible by the ATO, increasing the real cost of carrying
that debt.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1425/Picture5.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartmortgagebroking.com.au/learning-centre/insights/what-businesses-with-ato-debt-should-know-their-options/</post_content_url>
    <post_date>2026-06-24 06:43:00</post_date>
  </posts>
  <posts>
    <post_id>1422</post_id>
    <post_category_id>32</post_category_id>
    <post_title><![CDATA[Quality comes first with commercial property returns]]></post_title>
    <post_content_short><![CDATA[Commercial property investors are increasingly focused on asset quality over broad sector performance.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1422/Picture2.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartmortgagebroking.com.au/learning-centre/insights/quality-comes-first-with-commercial-property-returns/</post_content_url>
    <post_date>2026-06-24 04:20:00</post_date>
  </posts>
  <posts>
    <post_id>1352</post_id>
    <post_category_id>7</post_category_id>
    <post_title><![CDATA[Skybots: Practical AI and Agentic Workflows Training Course MELBOURNE 22-23 June, 2026]]></post_title>
    <post_content_short><![CDATA[<strong>AI-Enhanced Automation for Accounting and Finance Professionals: Leveraging ChatGPT, Copilot & Claude for Innovation and
Productivity.</strong>
<br />
<br />
<small>Join SkyBots’ 2-day Workshop in MELBOURNE with automation expert Daryl Aw to revolutionise your workflow using cutting-edge</small>
<small>Agentic AI</small> <small>tools including Chat GPT, Claude, CoPilot and Gemini. This workshop is built for accountants,
bookkeepers, finance teams, and business owners who want to move beyond basic prompts and turn AI into a reliable, ethical, and practical
system for everyday work.</small>
<table>
	<tr>
		<td><br /></td>
	</tr>
</table>]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1352/Skybots-EVENT-Cover-image_web-post-(5000-x-2617-px).png</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/events/skybots-rpa-2-day-workshop-melbourne-june-2026/</post_content_url>
    <post_date>2026-06-21 22:30:00</post_date>
  </posts>
  <posts>
    <post_id>1351</post_id>
    <post_category_id>7</post_category_id>
    <post_title><![CDATA[Skybots: Practical AI and Agentic Workflows Training Course BRISBANE 19-20 June, 2026]]></post_title>
    <post_content_short><![CDATA[<strong>AI-Enhanced Automation for Accounting and Finance Professionals: Leveraging ChatGPT, Copilot & Claude for Innovation and
Productivity.</strong><br />
<br />
Join SkyBots’ 2-day Workshop in BRISBANE with automation expert Daryl Aw to revolutionise your workflow using cutting-edge Agentic
AI tools including Chat GPT, Claude, CoPilot and Gemini. This workshop is built for accountants, bookkeepers, finance teams,
and business owners who want to move beyond basic prompts and turn AI into a reliable, ethical, and practical system for everyday work.<small></small>]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1351/Skybots-EVENT-Cover-image_web-post-(5000-x-2617-px).png</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/events/skybots-rpa-2-day-workshop-brisbane-june-2026/</post_content_url>
    <post_date>2026-06-18 22:30:00</post_date>
  </posts>
  <posts>
    <post_id>1416</post_id>
    <post_category_id>32</post_category_id>
    <post_title><![CDATA[5 costs of caravan to factor in your budget before you borrow]]></post_title>
    <post_content_short><![CDATA[A caravan loan can make the upfront cost manageable, but it’s the ongoing expenses that can catch first-time owners off guard.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1416/Picture3.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartmortgagebroking.com.au/learning-centre/insights/5-costs-of-caravan-to-factor-in-your-budget-before-you-borrow/</post_content_url>
    <post_date>2026-06-09 17:31:00</post_date>
  </posts>
  <posts>
    <post_id>1415</post_id>
    <post_category_id>32</post_category_id>
    <post_title><![CDATA[What you need to understand about fixed vs variable rates]]></post_title>
    <post_content_short><![CDATA[Fixing your rate can offer certainty, but it also involves trade-offs that are worth understanding before making a decision.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1415/Picture2.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartmortgagebroking.com.au/learning-centre/insights/what-you-need-to-understand-about-fixed-vs-variable-rates/</post_content_url>
    <post_date>2026-06-07 17:20:00</post_date>
  </posts>
  <posts>
    <post_id>1414</post_id>
    <post_category_id>32</post_category_id>
    <post_title><![CDATA[4 Reasons Your Home Loan Application Might Be Declined]]></post_title>
    <post_content_short><![CDATA[Lenders calculate how much you can borrow based on your income, existing debts, living expenses and other financial commitments.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1414/Picture1.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartmortgagebroking.com.au/learning-centre/insights/4-reasons-your-home-loan-application-might-be-declined/</post_content_url>
    <post_date>2026-06-05 03:03:00</post_date>
  </posts>
  <posts>
    <post_id>1409</post_id>
    <post_category_id>32</post_category_id>
    <post_title><![CDATA[Cash flow mistakes growing businesses commonly make]]></post_title>
    <post_content_short><![CDATA[Business Growth brings its own financial pressures, and cash flow is often where those pressures first show up. It’s a pattern that catches
many business owners off guard.]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1409/Picture5.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartmortgagebroking.com.au/learning-centre/insights/cash-flow-mistakes-growing-businesses-commonly-make/</post_content_url>
    <post_date>2026-06-03 07:18:00</post_date>
  </posts>
  <posts>
    <post_id>1421</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[Minimum Wage Is Going Up - Here's What Employers Need to Do]]></post_title>
    <post_content_short><![CDATA[<table>
	<tr>
		<td>
			The Fair Work Commission (FWC) has handed down its 2026 Annual Wage Review, and the numbers are in. From <strong>1 July 2026</strong>, the
			national minimum wage will rise by <strong>5.97%</strong>, and modern award minimum rates will increase by <strong>4.75%.</strong>
		</td>
	</tr>
	
</table>]]></post_content_short>
    <post_icon>https://www.smartbusinesssolutions.com.au/media/website_posts/1421/Cheerful-young-woman-taking-a-selfie-next-to-the-sea.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.smartbusinesssolutions.com.au/insights/minimum-wage-is-going-up-heres-what-employers-need-to-do/</post_content_url>
    <post_date>2026-06-02 01:36:17</post_date>
  </posts>
</root>
