It may seem as though I’ve been sitting on the sidelines after the release of the Royal Commission (RC) report. This could not be further from the truth - I have been biding my time to reply so cooler heads prevail. It has occurred to me over the last week after speaking with several clients – that many people are unaware of how the RC recommendations will impact them. I could provide evidence for days which would clearly demonstrate why and how the recommendations will dest

Find the right finance to fuel growth. One of the biggest opportunities many small businesses struggle with is finding the right business finance to fuel growth. Aligning the right loan to your needs, both short and long-term, isn’t easy. There are many different sorts of loans, with multiple products for each type offered by most lenders. It takes an experienced professional to navigate business finance, and that’s where we come in. As a finance broker who offers business fi

You may think, “I have a great relationship with my bank, why would I use a broker?” And that is fair. If you are truly over the moon with your bank – well done you – no need to read further. If, however, you are less than ecstatic or even slightly curios read on. Aside from the fact we have access to multiple lenders, it is the experience that is important. Dealing with a bank may be an occasional job for you – at Cliff & Moss we are speaking to, negotiating with and dealin

Cash is king. A popular phrase – but is how it relates to business truly understood? Firstly – we are not talking about hard currency, rather Cash Flow. Basically, it doesn’t matter how much money is promised in the future if you don’t have enough money to get from now until then. Lack of profit isn’t generally the reason why businesses fail – it is lack of cash flow. How? Because owners are often unrealistic with their expectations – overestimating income and underestimat

Why the headline rate is just the tip of the iceberg. Have you ever heard – my rate is better rate because it is lower? This sentiment pulses daily across the airwaves and weaves through the internet like a law unto itself – it is a truth you can be forgiven for believing. Dalby based broker Johnathon Reeves from Cliff&Moss provides a personalised service and sets the record straight on all things finance as well as what brokers do. "Firstly – the headline rate – a marvellou

A big thank you to Hannah from HR Imagery for making me look good (its all in the editing!!) Find Hannah on Facebook @hrimagery Also check out the new Dalby co-working space COMING SOON!! coworksonmarble.com.au

Cliff & Moss has joined the growing community movement powered by people who believe in our region, and who believe that we deserve great connectivity for our families and businesses. With your help, we will grow air services for an even better-connected region. From Toowoomba to the World. Check it out here...wellcamp.com.au

The very short answer is…NOTHING! We are paid by the bank but we work for you, finding the best deal for your situation. We only charge fees for: - People with a complex structure. - Commercial or business loans. - Loans that are paid off or refinanced within 2 years. We are fully upfront about our fees and will let you know if they apply to you. We can help you lower your costs of a loan, help you increase your borrowing capacity by choosing the lender who gives you

We are very excited to announce that we are opening an office in Dalby at 7/8 Stuart Street (via Marble Street). In addition, Cliff & Moss is also proud to announce - Co-works on Marble. A collaboration with Square Peg Marketing to bring you a co-working office space suitable for entrepreneurs, freelancers, reps and anyone that needs a desk or huddle-room for a day, week, month. Like a hotel for your business. The services we provide are centred on the growing trend for flex

Live chat can drive higher rates of satisfaction than any other form of customer support1. However, it pays to remember that while customers will excuse a mistake, frustrate them when they have a problem and you've lost them forever. We lead you through some golden rules for implementing live chat software on your website. It was a relatively mundane problem - a book order gone astray. But the customer support live chat that ensued was anything but ordinary. Customer: Trackin

Cracking the export market is becoming easier than ever for SMEs. Take your brand to the world in 2018 with new grants, easy finance and advice from those who've done it. In the past year, the federal government has turned its focus to helping launch Australian SMEs on the world stage, with government-backed finance and new grants for advice and training. Here are four key things you should do in 2018 to explore or expand your export opportunities. Get Out There If your busin

SMEs are turning away from traditional banks as lending to small businesses becomes big business for a slew of innovative new lenders. Traditional methods of getting a business loan involve patience, piles of paperwork and a few trips to the bank and your accountant. These days, SMEs can apply online and get loans approved within 24 hours, with a host of new players disrupting the small business lending market. The boom in non-bank lending is great news for business owners, a

Welcome to our first edition of Procure for 2018. At Procure we aim to keep you up to date with the ever-changing opportunities and issues facing business. Australian small businesses can take advantage of a growing range of business loans, thanks to an unprecedented boom in non-bank lending. But the sector is growing so fast it can be confusing. Find out how to navigate your way to loans that work for you, adding increased flexibility compared to traditional lenders. Make th

Just because it is Valentine’s day - why having a broker in your corner is like true love. You are number one And it’s about time! To us you are not just a number. A finance broker works for you using their expertise to give you more choice, providing customised finance solutions for all your lending needs - home loans, personal loans, business finance, agri lending, refinance, consolidation, equipment finance (... and much more!) It’s about knowing the right questions to a

With the new year underway, we’ve come to the first rate news for 2018. I’d like to share today’s rate announcement and the thoughts on why the Reserve Bank of Australia has made this decision. In its first meeting of the year, the Reserve Bank of Australia decided to once again leave the official cash rate unchanged at 1.5%. The last rate move was in August 2016. With inflation remaining well constrained, a number of commentators are suggesting that rates appear to be firmly

Haven likes Double, double toil and trouble Witch Agatha solves the age-old culinary dilemma of the spoon falling into the pot. And she doubles as a steam releaser too – multi-skilled this witch! www.ototodesign.com Lights, camera, action! Disguise your pooch poo bags in this nifty camera waste bag dispenser which hangs off Fido’s collar ready for action. www.thirddrawerdown.com Haven review In this ode to one of his favourite foods – the toasted sandwich – chef Darren Purche

Best travel photo Travel is fatal to prejudice, bigotry and narrow mindedness. – Mark Twain With the festive season within touching distance, here at Haven we’re gearing up for summer holidays. Do you have a ripper travel photo that might inspire us in our planning? Be it close to home or on the other side of the planet, send in your most spectacular holiday photo (letting us know where it is) for the chance to win $1,000. How: Email your photo to havencompetitions@afgonline.

The countdown to Christmas seems an unlikely time to suggest ways to save. But why wait for the New Year to make financial resolutions? We’re tipping the spending season on its head to get your money working harder for you over Christmas and into 2018. Where does it all go? Keep tabs on your spending and get into better budget habits ahead of Christmas with ASIC’s Track My Spend app. Track your household budget or savings for a special occasion, such as a wedding or travel. T

Despite regulatory attempts to cool their heels, property investors still account for nearly one in three1 residential loans. Even first-time home buyers, who may not be able to own where they want to live, are dipping their toe in the investment market. With many Australians still eyeing property as part of their wealth and retirement strategy, it’s more important than ever to make a wise investment. Vacancy rates Capital growth is important but so too is cash flow. Do your

“Flipping” might be the new word on the block but Australians have long been part of the reno revolution. Some are looking for fast returns (the flip), while others are upgrading after being in a home for several years. Whichever your strategy, chances are the goal remains the same: to renovate for profit. Here are Haven’s tips to ramp up your returns. Start with the end What’s the micro-market in which you’re selling? Each suburb, and even a neighbourhood, has a price ceilin