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The Importance of Cash Flow
The Impact of Online Reputation Management in the Business Field
A small business will only grow when you let go
Reasons Why Companies Should Invest in Background Checks
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Your Mission is to Know Why Your Organization Exists! Do You Accept?
Topshop no longer want me as a customer – and that’s not a bad thing
Could the cloud save your company money?
Retiring Early
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The future of business communication through technology tools
Do You Need A Digital Detox?
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Should You have a Close Friend at Work?
PropertyTutors appoints new General Manager
Think Big, Work Smart: 5 Technologies to Increase Team Productivity
How Safe are Your Bank Deposits?
Have Your Say on Retirement Income Policy
How to Lower the Cost of Your ACC Premiums
Business coaches – are they worth it?
The Flight from Bonds
When Helpers Are Leaders – Three Lessons from the Boston Marathon and UNH
How to Lower the Cost of Your ACC Premiums
Self employed people are burdened with heavy expenses to comply with Government requirements and one of these is the cost of ACC cover. For tradespeople in particular, who have a high risk of injury, the cost can be significant.

Many self employed people are unaware they may be eligible for ACC Cover Plus Extra, a product designed to suit the needs of self employed people. With standard ACC CoverPlus and Workplace Cover, your policy will pay out 80% of your previous year’s earnings and you must prove loss of income.

If you employ your spouse in your business for income splitting purposes, he or she may have difficulty proving loss of income in the event of a claim. If you return to work part time, your payout is reduced accordingly.

By comparison, with ACC Cover Plus Extra, your cover is set at an agreed level, which can be either more or less than your typical earnings. You do not have to prove loss of earnings and you are paid regardless of whether you work part time.

If you choose an agreed level of cover that is lower than your usual earnings, the premium for ACC Cover Plus Extra can be significantly lower than for a standard policy. As an example, a builder earning $64,000 per annum would pay a total premium including all levies of $3,847 on a standard policy. By choosing Cover Plus Extra with agreed cover of $35,000, the total premium reduces to $2,454.

The downside of lowering your cover is that in the event of a claim, you receive less compensation. It is very important to work with your insurance broker to put in place income protection insurance, which can provide top-up cover for accidents as well as cover for illness, based on a percentage of earnings.
Business with Australia: A right time?
Business with Australia: homework
Bring Home Your Aussie Super
Psychometric Assessment – It’s not so daunting!
Business with Australia: Culture clash
Searching for the Epiphany Moment
Are your affairs in a mess?
Leadership Lessons from July 4th – 237 Years Ago
5 Ways Your Logo Impacts Your Social Presence
Business with Australia: long distance relationship
Can You Adjust Your Leadership to the Situation?
Managing conflict: How MBTI helps me create team harmony
How to Incorporate a Business: Choosing a State for Incorporation
Practicing without attachment encourages collaborative teamwork
Property Investment for Retirees
Online Reputation Management For New Zealand Business
5 Ways to Improve Local SEO and Drive Sales
Fighting over the Family Fortune
KiwiSaver Options for Retirees
Conducting a Redundancy Process
When and How to Use a Financial Adviser
Value Reputation and New Zealand Business
Buying Property with a Low Deposit
When is the best time to rebrand your business? Probably not Monday
A Few Leadership Lessons from the Coast Guard’s Eagle
Why it’s worth renegotiating with your bank
Is Your Team Damaging Your Business Reputation?
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Doing Business in China 5 Kiwi Tips
Using Deviant Behavior to Change Outcomes
How to be Financially Secure
Orcon needs to improve its customer service
The Masters – Watch-out for Leaders Who Pursue Perfection
Frugality is not the Key to Riches
Marketing and the maturing manufacturer
The Three Reasons J.C. Penney will not survive
Have you ever lied or deceived by omission?
How Much Should You Care About Broken Processes?
Avoiding Disaster with House Insurance
The Pitfalls of Overseas Investments
Awesome Team Icebreakers Business Meetings
Trial Periods – the first 90 days
Two Lessons on How Business and Culture Impact Gender Motivation
How to get your employees to do what you want them to
Record Lows for Mortgage Interest Rates
The Happiest Man in the World
Turn Knowledge into Action
The most common business mistakes and how to embrace them
Business with Australia: Play down the Kiwi bit
Are Business Cards Still a Necessity?
Engage Your Team – Dream On!
Proposals have a special place in the mind of many sales people
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