Friday, August 22, 2025
Tuesday, August 12, 2025
Grumpy
adjective informal
uk /ˈɡrʌm.pi/ us /ˈɡrʌm.pi/
easily annoyed and complaining:
I hadn't had enough sleep and was feeling kind of grumpy.
a grumpy old man.
being in a slightly angry mood because you are annoyed at something or are feeling tired:
Dad is always grumpy on Monday mornings.
Thursday, August 7, 2025
Explained: How negative gearing affects Aus property market
QUESTION TIME
Anthony Albanese and Jim Chalmers are under pressure to act on negative gearing reform. Picture: Martin Ollman
Calls are growing louder for bold reform on negative gearing in a bid to open the door to the Australian housing market for young Aussies currently locked out.
Unions and other advocates have thrown their support behind a plan to limit negative gearing tax breaks to those with one investment property only, which they believe would stop disproportionate benefits going to the wealthy and encourage the freeing up of housing supply for buyers seeking to own and occupy a home.
Negative gearing delivers billions of dollars in annual tax benefits and has long been a target for those who want to see the process scrapped.
But what exactly is negative gearing, why is it so important and how did it become such a divisive issue? We answer some of the most common questions below.
MORE:Explosive new crackdown on property tax breaks
What is negative gearing?
Negative gearing is a situation where an investor spends more on the costs of their rental property – interest, strata fees, maintenance and upkeep – than they receive in rent.
It means they made a loss on their investment for that financial year.
And in Australia that loss can be deducted from their taxable income when they do their tax returns. Treasury figures showed 1.1 million Australians had negatively geared properties in the 2021-22 financial year.
QUESTION TIME
Federal Treasurer Jim Chalmers during Question Time. Picture: Martin Ollman
Why does Australia have negative gearing?
Negative gearing was introduced in the 1930s in Australia as a way to address housing shortages. It was designed to incentivise Australians to invest in property and boost the number of rental homes available.
Being able to deduct rental losses from your other income (such as wages) comes about because of two features of the Aussie tax system.
First: we tax income comprehensively. That means we add up all sources of income – wages, bank account interest, dividends from shares, investment property rents – and tax them together, rather than taxing each separately.
MORE: Shock RBA twist as house prices surge
Second: the costs of earning income are deducted from the income – essentially, you’re taxed on your net income. That’s not just true for rental properties: interest expenses or strata fees incurred on investment property can be deducted for the same reason that uniform costs or work-from-home expenses can be deducted. They are the costs of earning that income and would not have been incurred otherwise.
Negative gearing currently allows investors to offset losses of multiple properties against their taxable income.
Who benefits from negative gearing?
People on higher incomes benefit the most as it minimises the amount of income tax they are liable to pay while allowing them to reap capital gains over time through investing.
According to Treasury analysis, individuals in the top 30 per cent of taxable income received about 65 per cent of the total benefit of negative gearing in the 2021-22 financial year.
What are the arguments for negative gearing?
By incentivising property investment, negative gearing helps Australians with higher incomes grow their wealth through property while adding to the supply of available rentals.
Many worry that if negative gearing was abolished, a large number of investors would either hike up their rents to cover the loss, or sell their properties, reducing the rental stock available in an already tight market.
MORE:Sudden rise in Aus homeowner wealth stuns
Due to high property prices, it can be hard to find properties that earn enough rent to cover the mortgage. If negative gearing wasn’t an option, investing wouldn’t be so attractive.
What are the arguments against negative gearing?
Treasury figures show negative gearing cost $2.7 billion in lost tax in 2020-21 – a figure likely to be much higher now due to the rise in interest rates since.
Many believe negative gearing has helped push up property prices by driving demand among wealthy investors. Since the bulk of investors buy established properties, they compete against homebuyers for housing, which tightens supply even more.
Housing affordability has become a huge problem. Research from AHURI shows while high income families accounted for just 8 per cent of renters in Australia in 1996, families earning about $140,000 or more made up 24 per cent of the renting population in 2021.
QUESTION TIME
Prime Minister Anthony Albanese has previously ruled out negative gearing changes. Picture: Martin Ollman
What is the federal government’s stance on negative gearing?
Both the Albanese government and the Coalition have previously made it clear that neither plan to change Australia’s current policy around negative gearing, however, there is added pressure mounting on Labor to change its position on the matter.
MORE:Bathroom mistakes that ruin a home sale
The Greens, however, have been staunch in their opposition to negative gearing, arguing the tax help has made it easier for wealthy investors to buy properties than first home buyers.
The Hawke/Keating Government wound back negative gearing in 1985 but it was reinstated again in 1987 after lobbying from property investors and skyrocketing rental prices in Sydney.
In the 2019 election campaign, then ALP leader Bill Shorten proposed only allowing negative gearing for newly built properties. Labor lost the election.
Do other countries have negative gearing?
Countries like Germany, Japan and Canada have negative gearing concessions. In the US, rental losses from a property can only be offset against rental income earned from another property or investment, but not against employment income.
In the UK, rental income and employment income are taxed separately and rental losses can only be offset against profits from other properties or carried forward to a later year. New Zealand is phasing out negative gearing.
staunch
adjective
uk /stɔːntʃ/ us /stɑːntʃ/The Hawke–Keating government is an all-encompassing term to describe the duration of the Hawke government and the Keating government, which together spanned from 11 March 1983 to 11 March 1996. Both governments were formed by the Australian Labor Party, and were led from 1983 to 1991 by Bob Hawke as Prime Minister, and from 1991 to 1996 by Paul Keating as Prime Minister, with Keating serving as Treasurer throughout the Hawke government.
Wednesday, August 6, 2025
လေ့ကျင့်ခန်းအလွန်အကျွံလုပ်ခြင်းက ကိုယ်ခံအားကျစေသလား
ခန္ဓာကိုယ်အချိုးအစားလှပချင်လို့ဆိုပြီး တစ်ရက်မပျက် Gym သွားပြီးလေ့ကျင့်ခန်းပြင်းပြင်းထန်ထန်လုပ်နေသူတွေများရှိနေလား။ ဒါဆိုရင်တော့ ဒီဆောင်းပါးလေးကိုဖတ်ကြည့်ဖို့လိုမယ်ထင်ပါတယ်နော်။
ဒီအချက်တွေကြောင့်ဖျားနာနိုင်ပါတယ်
လူတစ်ယောက်က ဒီအချက်တွေကြောင့်ဖျားနာနိုင်ပါတယ်။
- စိတ်ဖိစီးမှုများတာ
- အာဟာရပြည့်ဝလုံလောက်အောင်မစားသုံးတာ
- ပင်ပန်းနွမ်းနယ်တာ
- အိပ်ရေးပျက်များတာ
- ဆေးလိပ်သောက်တာ
- အသက်အရွယ်အရမ်းကြီးနေတာ
- လေ့ကျင့်ခန်းတွေ အလွန်အကျွံလုပ်တာ
- လေ့ကျင့်ခန်း နဲ့ ကိုယ်ခံအား
အရင်ဆုံး သုတေသနတွေ့ရှိချက်လေးတွေအကြောင်းပြောပြပေးမယ်နော်။ လေ့ကျင့်ခန်းပုံမှန်လုပ်ခြင်းနဲ့ ကိုယ်ခံအားတို့ကြားက ဆက်စပ်မှုကိုလေ့လာခဲ့တဲ့အခါမှာတော့ နေ့စဉ်နေ့တိုင်းလေ့ကျင့်ခန်းတွေ ပြင်းပြင်းထန်ထန်လုပ်တာက ကိုယ်ခံအားကို ကျစေနိုင်ပြီး ဖျားနာတာမျိုးဖြစ်စေနိုင်တယ်၊လို့ လေ့လာတွေ့ရှိခဲ့ပါတယ်။
လေ့ကျင့်ခန်းလုပ်တာက ကြွက်သားတွေကို သန်မာစေနိုင်တယ်။ နှလုံးကျန်းမာပြီး ခန္ဓာကိုယ်ကို သန်စွမ်းစေနိုင်တယ်ဆိုပေမယ့် အမြဲတမ်းနဲ့ အလွန်အကျွံ လုပ်မယ်ဆိုရင်တော့ ကိုယ်ခံအားပေါ်မှာ ထိခိုက်မှုတွေရှိလာနိုင်ပါတယ်။ တစ်နေ့တာလုံးမှာ ဗိုင်းရပ်စ်တွေနဲ့ ထိတွေ့နေရသူတွေက အအေးမိတုပ်ကွေးဖြစ်နိုင်ခြေပိုများတယ်ဆိုတာကို ပြောနေစရာတောင်မလိုအောင်ပါ။
လူတစ်ယောက်ဟာ နာရီဝက်လောက် ဆက်တိုက်လေ့ကျင့်ခန်းတွေကို ပြင်ပြင်းထန်ထန်လုပ်မယ်ဆိုရင် ကိုယ်ခံအားစနစ်ရဲ့လုပ်ဆောင်နိုင်စွမ်းက ယာယီကျဆင်းသွားနိုင်ပါတယ်။ လေ့လာမှုတွေအရကတော့ လေ့ကျင့်ခန်းတွေကို ပြင်းပြင်းထန်ထန်လုပ်တဲ့အခါ ခန္ဓာကိုယ်က ဟော်မုန်းတွေကိုထုတ်လုပ်ပေးတဲ့အတွက် ကိုယ်ခံအားယာယီကျဆင်းသွားတာမျိုးဖြစ်နိုင်ပါတယ်။
မကြာသေးခင်ကလေ့လာမှုတွေအရ လူတစ်ယောက်နေ့စဉ်လုပ်ဆောင်နေတဲ့ ကိုယ်လက်လှုပ်ရှားမှုပမာဏက အသက်ရှုလမ်းကြောင်းကနေတဆင့်ရောဂါပိုးတွေ ကူးစက်ခံရနိုင်မှု၊ အအေးမိတာ၊ ဖျားနာတာနဲ့ ကိုယ်ခံအားစနစ်ကို ထိခိုက်စေနိုင်မှုတို့အပေါ်မှာ တိုက်ရိုက် အချိုးကျနေပါတယ်။ လူတော်တော်များများယူဆထားတာက နေ့တိုင်းလေ့ကျင့်ခန်းလုပ်မယ်ဆိုရင် အအေးမိဖျားနာမှုကနေ ခပ်ကင်းကင်းနေနိုင်မယ်လို့ပေါ့။ တကယ်တော့ ဒီအယူအဆက အပြည့်အဝမမှန်ပါဘူး။ လိုအပ်တဲ့ပမာဏထက်ကျော်ရင်တော့ ပြဿနာရှိစမြဲပါ။
စိတ်ဖိစီးမှုကိုဖြစ်စေတဲ့ ဟော်မုန်းတွေလို့သိကြတဲ့ ကော်တီစော နဲ့ အက်ဒရီနယ်လင်ဟော်မုန်းတွေက သွေးတိုးစေနိုင်သလို သွေးတွင်းကိုလက်စထရာပမာဏကို မြင့်တက်စေနိုင်ပြီး ကိုယ်ခံအားနည်းစေနိုင်ပါတယ်။ လေ့ကျင့်ခန်းကို မလုပ်ရဘူးလို့မဆိုလိုပါဘူး။ အရာရာကတန်ဆေးလွန်ဘေးဆိုသလိုပေါ့။ နေ့စဉ်ကို တစ်နာရီခွဲလောက်နှုန်းနဲ့ တစ်ပတ်လုံးကို ပြင်းပြင်းထန်ထန်လေ့ကျင့်မှုတွေလုပ်မယ်ဆိုရင်တော့ ခန္ဓာကိုယ်က ခံနိုင်ရည်နည်းသွားတာမျိုးဖြစ်ပြီး မလိုအပ်ဘဲ ဖျားနာမှုကို ခံစားရမှာဖြစ်ပါတယ်။ တကယ်ကို ကျန်းမာလှပချင်တယ်ဆိုရင် တစ်ပတ်တာမှာ တစ်နေ့ကို (၄၅) မိနစ်လောက်နှုန်းနဲ့ တစ်ပတ်မှာ (၅) ရက်လောက်ပဲလုပ်ပေးရင်ကို အဆင်ပြေနေပါပြီ။ ပုံမှန်အားဖြင့်တော့ ဖျားချင်သလိုဖြစ်လာတဲ့အခါ ကိုယ်လက်လှုပ်ရှားမှုလေးလုပ်ပေးပြီး ချွေးလေးထွက်အောင်လုပ်ပေးမယ်ဆိုရင် နေလို့ကောင်းသွားတာ အသေအချာပါ။
တကယ်လို့ သင့်အနေနဲ့ လေ့ကျင့်ခန်းကို ပြင်းပြင်းထန်ထန်လုပ်နေတာမဟုတ်ဘဲ ဖျားချင်သလိုလိုဖြစ်တယ်၊ နှာစေးတာမျိုးဖြစ်မယ်ဆိုရင်တော့ လေ့ကျင့်ခန်းလုပ်တဲ့နေရာမှာ သင်နဲ့ ဓာတ်မတည့်တာတစ်ခုခုရှိနေတာမျိုးဖြစ်နိုင်တာကြောင့် ဆရာဝန်နဲ့ သွားရောက်ပြသကြည့်သင့်ပါတယ်။
ကျန်းမာစေဖို့ လေ့ကျင့်ခန်းလုပ်ဆောင်သင့်တဲ့ အတိုင်းအတာ -
လေ့ကျင့်ခန်းလုပ်တာက နှလုံးရောဂါခံစားရနိုင်ခြေကို ကျဆင်းစေနိုင်သလို အရိုးတွေကို ကျန်းမာသန်စွမ်းစေနိုင်ပါတယ်။ ဒါတွေအပြင်လေ့ကျင့်ခန်းလုပ်တာကြောင့် ခန္ဓာကိုယ်မှာ အခုလိုပြောင်းလဲမှုတွေဖြစ်လာနိုင်ပါသေးတယ်။
၁ ။ အဆုတ်နဲ့လေပြွန်တလျှောက်က ဘက်တီးရီးယားတွေကို ခန္ဓာကိုယ်ပြင်ပကိုရောက်ရှိအောင်လုပ်ဆောင်ပေးနိုင်တယ်။
၂ ။ သွေးဖြူဥဆဲလ်တွေဖြစ်ပေါ်စေနိုင်တယ်။
၃ ။ ခန္ဓာကိုယ်အပူချိန်ကို ထိန်းညှိပေးပြီး ဘက်တီးရီးယားတွေပေါက်ဖွားတာမျိုးမဖြစ်အောင်ကာကွယ်ပေးပါတယ်။
၄ ။ စိတ်ဖိစီးမှုကိုကျဆင်းစေတယ်။
၅ ။ ကိုယ်ခံအားကောင်းစေနိုင်တယ်။
လေ့ကျင့်ခန်းလုပ်တာက ကောင်းမွန်တဲ့အလေ့အထဆိုပေမယ့် အလွန်အကျွံတော့မဖြစ်သင့်ပါဘူး။ ကိုယ်ခံအားကိုကောင်းစေနိုင်တဲ့အဆင့်လောက်ပဲလုပ်သင့်ပါတယ်။ အပေါ်မှာပြောပြခဲ့တဲ့ အကျိုးကျေးဇူးတွေရရှိစေဖို့ လုပ်ဆောင်ပေးသင့်တဲ့ လေ့ကျင့်ခန်းအတိုင်းအတာကတော့
- တစ်ရက်ကို နာရီဝက်၊ ၄၅ မိနစ်နှုန်းလောက်နဲ့ တစ်ပတ်ကို ၃ ကြိမ် ကနေ ၅ကြိမ်လောက် စက်ဘီးနင်းမယ်
- နေ့တိုင်း မိနစ် ၂၀ ကနေ နာရီဝက်လောက် လမ်းလျှောက်မယ်
- နှစ်ရက်ခြားတစ်ခါ Gym သွားမယ်
- နေ့တိုင်း နာရီဝက်လောက် အေရိုးဗစ်ဆော့မယ်
- တစ်နေ့ကို (၄၅) မိနစ်လောက် ယောဂဆော့မယ်။
ဒါတွေအပြင် လေ့ကျင့်ခန်းလုပ်တဲ့အခါ အသုံးပြုတဲ့ ပစ္စည်းတွေကို သန့်သန့်ရှင်းရှင်းထားဖို့၊ တစ်ကိုယ်ရေသန့်ရှင်းရေးကိုဂရုစိုက်ဖို့။ အာဟာရပြည့်ဝအောင်စားသုံးဖို့၊ စိတ်ဖိစီးမှုခပ်ကင်းကင်းနေဖို့လည်း မမေ့ဖို့ပြောပါရစေနော်။
Team (ရိုးရာလေး)
Monday, August 4, 2025
‘A lot of money’: Brutal reason you could be in for a tax bill this year
Aussies have been issued a stark warning this tax time, after an accountant noticed an unusual rise in clients being hit with ATO debts.
A little-known tax return detail is seeing an increasing number of people hit with unexpected bills this year, with Australians warned that even past returns could come under scrutiny.
Melbourne-based accountant, Michael Fox, first encountered this issue a few months ago, when he received a notice from the Australian Taxation Office (ATO)
The message related to a review of the private health insurance information provided in one of his client’s past returns, stating that client now owed money to the ATO.
The tax bill was a result of the Medicare Levy Surcharge (MLS) being retroactively applied, despite the client believing they did not have to pay it at the time.
The MLS is paid by Australian tax payers who do not have private hospital cover and who earn above a certain income.
The aim of the surcharge is to encourage individuals to take out private hospital cover in order to reduce the demand on the public Medicare system.
Since receiving this first notice, Mr Fox, the Principal of Michael Fox Arts Accountant & Valuer, is now dealing with about 20 cases all relating to this same issue.
“We’re just getting these random notices, like, ‘Oh, we’ve looked through your private health insurance information for the 2022 financial year, and we, we reckon you owe us $2000’. We get these notices and we’re like, ‘what the hell?’” Mr Fox told news.com.au
The accountant said people are getting “trapped”, with the issue arising when clients either get married or enter a defacto relationship and are required to include their “spouse” on their tax return.
For tax purposes, this not only includes legally married couples but also those who live together in a domestic relationship.
Mr Fox said this can “cause a complication” in situations where couples are not under a private health insurance family plan.
To avoid the surcharge, every person in the household has to have an “appropriate level” of private patient health cover.
“Quite often, what happens is that one might not be insured, the other one is insured, and all of a sudden, bingo, you’ve got a Medicare Levy surcharge problem,” he said.
He believes the reason there has been a sudden influx in people being stung by the MLS is due to the ATO’s increased use of sophisticated data matching programs.
Data matching allows the ATO to retrieve data from a variety of third-party sources, including banks, financial institutions and other government agencies.
In a recent blog post, Mr Fox claimed there are situations where both you and your spouse may have your own singles comprehensive private health insurance policies, and still trigger the surcharge.
“With sophisticated data matching by the ATO, they can now discover that you and your spouse both have singles cover and not family cover and issue amendments to prior year returns,” he said
When it comes to the MLS, the threshold to trigger for the surcharge changes depending on your circumstances, with the rate varying between 1 per cent, 1.25 per cent or 1.5 per cent.
For the 2015-26 income year, the MLS is triggered for a single person when they reach an income of $101,001 or more.
For a family, it is triggered by an income of $202,001, with this threshold increasing by $1500 for each MLS dependent child after the first child.
In a statement to news.com.au, an ATO spokesperson said that if your spouse and any dependants have an appropriate level of private patient hospital cover for the whole financial year, then “it doesn’t matter whether that private patient hospital cover is provided by a family or singles cover”.
“As couples do not necessarily lodge at the same time, our data matching programs will review returns after they have been lodged,” the spokesperson said.
“This review is to ensure the taxpayer, spouse and any dependants have the appropriate cover, including if this is through family or singles cover.
“The same data matching processes will occur when a taxpayer has lodged an amended tax return.”
The spokesperson said there are some instances where the ATO has difficulty matching an individual taxpayer to a health insurance policy, with this often due a mismatch with the data provided to the health fund by the client or from the fund to the ATO.
“If the ATO is unable to match a health insurance policy to an ATO account, the individual may appear to not have appropriate cover,” the spokesperson said.
Many of Mr Fox’s clients who have encounted this issue surcharge issue have young families.
One of those clients, Guy, who lives in Adelaide with his partner and two young children, copped a $2500 bill from the ATO this year.
Shortly after lodging his return this year, he received a notice from the ATO that his 2022/23 tax return had been amended and he now had to pay the MLS, as his children were not covered by his private health insurance policy.
Speaking to news.com.au, the 43-year-old explained that he and his partner have their own individual health covers and his children have been using the Medicare system.
“The system for kids is so good, so we just haven’t seen the need for private health insurance (for them),” he said.
Guy’s children are aged 3 and 6 and, up until now, this has never been flagged as an issue when completing his tax returns, saying “this is the first I have heard of it”.
While he has received tax bills in the past given he runs his own business, this one left Guy “surprised and disappointed”.
“It felt like they were scraping the bottom of the barrel,” he said.
“I think it was just that sort of feeling of like, with the cost of living being what it is, for the ATO then come and just put the their hand out for another pay out historically, and then having to factor that into a family budget.”
Mr Fox noted that, as the ATO is going back through old returns, people are likely going to cop multiple bills.
“If you go back to 2022, they are going to be trapped for three years and that could be three times $2000 or $3000. That’s a lot of money,” he said, adding there is now “nothing (people) can do” as they weren’t aware of the discrepancy at the time.
Mr Fox said the “fair thing to do” would be for the government to give an amnesty period for a year to allow people to get their affairs in order.
“I just don’t think it’s fair that they are going back using AI data matching to basically trap people,” he said.
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