How to avoid delays when processing your Tax Return this year


Avoiding delays when lodging your tax return this year could be quite challenging because of the ongoing pandemic.

Moreover, you can still lodge your tax return electronically until 31 October 31 or 15 May 2021 if you are using the service of a specialist tax accountant.

Before you start lodging your tax return, make sure you have everything covered to avoid delays. You should also make sure that you are aware of all the COVID-related deductions that you can claim.

On the flip side, take note that the ATO can sometimes delay the processing of your tax return, especially if you have old overdue tax returns to lodge.

The normal processing will only continue once you get your tax affairs up to date. If you want to save time, hiring a tax accountant is recommended when taking care of outstanding tax returns.

Tax Office

With the lifting of the lockdown restrictions, accountants are permitted to open their offices to accommodate their clients. However, with stringent social distancing guidelines still in effect, professional service firms do not have access to their offices.

Online Tax Return Service

If you’re taking precautionary measures and don’t have a way to see a qualified accountant in person, utilising an online tax return service would be a perfect alternative.

With an online tax return service, you can claim everything you are eligible for. We at Glance Consultants offer this valuable service.

When lodging your tax return this year, make sure to have a checklist of the necessary things that you need to do to avoid delays.

If you need further assistance, you can seek assistance from Glance Consultants to help you lodge your tax returns successfully. Our firm can provide a comprehensive checklist to cover your requirements.

Contact us on 03 9885 9793 or fill out our contact form to get in touch.

How to establish a long-Term business strategy amid the COVID-19 Pandemic



Today, various businesses in Australia have begun developing long-term strategies to help minimise the adverse effects of the coronavirus pandemic within the industry. Moreover, identifying the most effective way to maximise your market value relies heavily on your innovative solutions, specifically when it comes to generating leads, boosting ROI, and raising conversion rates.

While establishing a long-term strategy may sound like an easy thing to do, finding the best one that fits perfectly with your business needs is not that simple. So to help you develop a strategy that can support your business in these trying times, here are several points to consider:

Be Customer-Focused

Avoid focusing too much on numerical information — you need to understand the specific challenges that your consumers might be facing. For example, some of your consumers may be more price-conscious than usual due to a recent job loss or financial strain.

Stay Relevant

To get ahead of the curve against your competitors, you need to be able to answer and solve the problems that your consumers face amidst the ongoing crisis. However, take note that the issues you are attempting to address and solve could change – especially during a pandemic. That is why it is vital to be attuned to the current disposition of the business climate. By understanding the current state of the industry and staying up-to-date with the latest news, you should be able to arm yourself with the correct strategy while addressing the key issues that may affect your business.

Keep Your Message Clear

Due to the pandemic, many businesses continue to change the way they distribute products or services to their customers. Whether you are releasing a new product, offering innovative delivery options, or changing your time or availability, always make sure to keep your messaging clear in every digital marketing channel you utilise.

The COVID-19 pandemic is still on (at least until a vaccine is developed) and coming up with a long-term strategy is necessary for business survival. If you’re currently struggling with your finances, Glance Consultants will be able to extend help by providing you with expert advice and more.

Contact us 03 9885 9793 at or fill out our contact form to get in touch with us today.

The new Director Identification Regime



Background

The Director Identification Number (DIN) regime is coming.

The Treasury Laws Amendment (Registries Modernisation and Other Measures) Bill 2019 (Cth) (the Bill) was passed on 12 June 2020 and subsequently received Royal Assent on 22 June 2020.

The Bill, together with other legislative changes, is part of the Federal Government’s ‘Modernising Business Registers Program’ that is aimed at unifying the Australian Business Register and more than 30 other business registers that are administered by the Australian Securities and Investments Commission.

The introduction of the DIN regime is a central component of the Bill’s objective and is given effect through amending the Corporations Act 2001 (Cth) and the Corporations (Aboriginal and Torres Strait Islander) Act 2006 (Cth).

What to remember

  • Directors will be required to have their identity verified and have a unique and permanent identifier issued to them.
  • Companies will need to put processes in place to ensure that all existing directors apply for a DIN within the prescribed timeframe once the DIN regime is implemented.
  • Once the DIN regime is implemented, companies will also need to ensure that director appointment processes include the necessary steps for new directors to apply for a DIN. Once the transitional period ends, this process will need to be undertaken prior to a director appointment.

The DIN regime

The DIN regime is part of the Federal Government’s wider objective of:

  • tackling illegal phoenix activity;
  • making company directors more traceable and accountable;
  • streamlining business registers by providing a single-point of contact; and
  • furthering the Government’s ‘Deregulation Agenda’ by creating an electronic system than is readily accessible to everyone.

The DIN regime will involve a one-time application that requires directors of private and public companies (including foreign-born or foreign domiciled directors) and alternate directors to have their identity verified and then be allocated a DIN as a unique and permanent identifier. A DIN will continue to apply to the director even if he or she leaves their position.

DINs will be recorded in a new database that will be administered and operated by a registrar from an existing Commonwealth body. The identity of that Commonwealth body is yet to be announced.

The regime will make it easier for the registrar to verify director identities and refuse/cancel a DIN where an individual’s identity is in question. The requirements for identity verification remain to be confirmed, but will be contained in data standards made be the relevant registrar.

Additionally, the regime will also aid regulators and external administrators by establishing a transparent system that will in turn create a more timely and cost-effective process when investigating and commencing proceedings against directors.

When does a DIN need to be obtained?

The implementation date for the DIN regime has yet to be officially announced, with implementation to occur 2 years after the Bill received Royal Assent unless an earlier date is set. It is anticipated that the roll out will occur in the first half of 2021. However, commencement may well be later given the impacts of COVID-19.

Within the first 12 months following implementation, new directors will have 28 days after appointment as a director to apply for a DIN. Following this period, individuals must apply for a DIN before becoming a director. For existing directors, transitional provisions will provide a period during which they will need to obtain a DIN.

Whilst directors will be required to have a DIN, the obligation is to have applied for, rather than obtained, a DIN prior to appointment as a director.

This is to provide flexibility, and a defence, for circumstances where a DIN has not been issued for reasons outside the control of the relevant person (e.g. processing delays).

Consequences for non-compliance

Under the proposed regime, there will be civil and criminal penalties for:

  • failing to apply for a DIN within the prescribed timeframes;
  • failing to apply for a DIN if directed by the registrar;
  • intentionally applying for more than one DIN
  • intentionally providing a false DIN to a government body or relevant body corporate; and
  • being actively involved in the contravention of any the above offences.

Changes on July 1st 2020

According to the Treasury and the Australian Taxation Office, an error has been made regarding the estimated number of employees who can access the JobKeeper program. It was initially planned to cover around 6 million workers, but they had revised the estimate to only around 3.5 million. They stated that the estimate reflects the not-so-severe impact of health restrictions being imposed as expected.

Meanwhile, the ATO has extended the deadline to lodge the monthly declaration to every 14th day after the end of the month instead of the initial 7th day after the end of the month.

However, they stated that JobKeeper payments will be released based on when the declaration has been lodged. This means that the sooner businesses comply, the sooner they will be able to receive their JobKeeper payments.

On another news, the ATO has released guidance aim to soften the rules regarding the claiming of deductions for home office expenses. This is in line with the increasing number of taxpayers who were forced to work from home due to the pandemic.

First, they have decreased the requirements individuals need to be able to claim expenses. In most cases, this can be applicable to individuals who need a specific area at home for work-related purposes. Specifically, the ATO allows individuals to claim home office expenses if they are working from home to fulfill their office duties or are running their own business which, as a result, caused them to incur additional running expenses.

There are three main mechanisms that will allow taxpayers to calculate the allowed deduction:

  • First is the actual expenses which can be computed by taking the actual expenses incurred alongside the percentage of business or work for calculating the deduction.
  • Second is the “normal” set rate method using the set rate of 52 cents per hour then claiming separate deductions for other expenses like phones, computers, and the internet.
  • The last one is the “shortcut” set rate method which allows individuals to claim 80 cents per hour, though this one will cover all expenses mentioned in the “normal” set rate method.

Taxpayers will have the freedom to choose which method works for them, specifically the one that can provide them with the biggest deductions.

 

How to Keep Your Business Going During Rough Times

Can you Claim Deductions for Employee Training?“You have to understand accounting and you have to understand the nuances of accounting. It’s the language of business.” – Warren Buffett

A misconception among small business owners is that accounting only involves managing your books and paying your dues. But there are many little things in accounting that you should consider. This is where the problem usually starts. If you’re not careful, you might end up messing up your cash flow, or worse, paying penalties for unpaid taxes. It’s time to look at your accounting practices and make sure you’re not making any of these mistakes.

1. Mixing Personal Spending with Business Spending

Confusing your personal spending as a business spending is a common mistake among entrepreneurs. For instance, when you’re doing your monthly supplies run, it’s easy to pick up some items for personal use and unintentionally tag all them as a business cost. The key is to keep all your receipts. This way, you have proof of your expenses should your business requires to be audited. Worried about losing receipts? Scan or take photos of them, so you have a digital copy. Consider filing them by month or year and labelling them appropriately by category or department. When you categorise your business expenses, you won’t have problems finding records or receipts.

2. Taking Sales Tax for Granted

It’s quite easy to forget about your sales tax —especially if you have no idea how to deal with them. To make sure you’re complying with all your tax requirements, consider consulting or hiring experts to look into your finances.

3. Working with an Inexperienced CPA or Bookkeeper

Your CPA and bookkeeper are your sidekicks to managing the financial side of your business. It’s essential to work with professionals who have enough experience in their field. If you’re new to accounting and will have to depend on your CPA or bookkeeper’s knowledge and skills, take the time to choose candidates and professionals to hire.

4. Thinking Every Deal Closed Always Equates to Cash Flow

When you’re updating your books and forecasting cash flows, be mindful of how you record your deals. When you don’t consider the money your company needs to put out to complete a project, your books could give an inaccurate picture of your business’s financial status. What happens when instead of earning from a deal, you end up losing money? Do you need assistance with accounting? Glance Consulting offers bookkeeping, accounting, and cash flow forecasting services. Let us help you get the peace of mind that you have your books in order and your finances straightened out.

Please fill out our contact form or give us a call at 03 9885 9793 to learn about our accounting services.

Do You Have a Pandemic Business Plan

pandemic business planAs the world continues to fight against the coronavirus pandemic and countries try to flatten the curve, businesses have started adapting to a “new normal.” But if there is one lesson many entrepreneurs are learning from our situation, it’s the importance of having a pandemic business plan.

What is a pandemic business plan?

A pandemic business plan is your company’s guide to responding to emergencies, particularly in a long-term crisis like the coronavirus spread. It contains policies for communicating among employees and clients. This plan also includes budget contingencies and other strategies to ensure your business stays in operation during any situation.

How do you create a pandemic business plan?

The first step to creating a pandemic business plan is to build a team of experienced and trusted individuals who truly understand how your company operates. When possible, try to include members from all departments, like your HR, operations, and your top management team. This way, you’re able to see the bigger picture and how each department would play a role in an emergency.

When you have your risk management team all set up, it’s time to do the work:

1. Set up guidelines

Lay the foundation of your pandemic business plan. Create the guiding principles that everyone must follow during a situation like a pandemic. Your guidelines should include how the company will continue providing and supporting your employees.

Will you be offering medical care for your staff? Who will be responsible for caring and communicating with your team? Additionally, this is the part where you may need to decide whether to temporarily pause any ongoing programs to ensure you have enough budget for your business essentials.

2. Develop a communications plan

Communication is vital in an emergency and especially during a pandemic. Set up a communications program or policy that ensures your staff receive important company updates and messages even when they’re not in the office. The same goes for your clients. How do you plan to reach out to them and let them know of significant company changes or updates?

3. Create a flexible workforce schedule

Understandably, you may want to continue providing services to your clients and maintaining business operations even during this time. However, you should make sure that your company can do this safely.

Think about setting up a flexible work schedule for your staff. When possible, give them the option to work from home.

The coronavirus pandemic is changing the way many entrepreneurs and companies do business. What changes have you implemented in your workplace? If you need help adapting to our current situation, Glance Consultants can assist you. We offer strategic business advice and planning, business performance management, and cashflow management.

Call us at 03 9885 9793 or fill out our contact form for your enquiries. We continue to commit ourselves as your trusted advisor in your ever-changing business journey.

Leadership Characteristics To Help Your Business Outlast the Coronavirus Outbreak

leadership in times of crisis

Do you feel like you’re being pulled from every direction while trying to keep your business afloat during the COVID-19 outbreak?

We are living in difficult times. As we start adapting to our current situation, however, here’s something to keep in mind as business owners and leaders of your organisation:

 

 

“It is in times of crisis that good leaders emerge” — Rudolph Giuliani

While it may seem difficult, there is no better time than now to be visible and take charge in all aspects of your business. Your customers need you. Most importantly, your employees need your support and direction.

Here are some leadership characteristics to help you during this time:

Confident and Calm

If you’re the first one to go screaming out the door, then don’t expect your employees to be calm.

Your staff, customers, and other stakeholders are relying on your leadership to get your business through the challenging months ahead. This isn’t the time for self-doubt and inaction. It’s the time to implement your crisis management plan or create one if you don’t have any.

While your leadership is essential during this period, it doesn’t mean that you have to do everything on your own. Get everyone on board and remember, “We are all in this together.”

Transparent

Communication is critical in times of crisis. When everyone understands the challenges that your company is facing and what you’re doing to solve those issues, there will be no cause to panic. Your staff won’t have to worry about the future of your business, which directly affects their future.  

Innovative

Now is a great time to think out of the box. Since the outbreak, many businesses have opted to continue their operations from home. Can your business do the same? If yes, what technologies will you and your staff need to get the business going?

Some basic applications and services you may need are: 

  • A video messaging application for your weekly meetings
  • An online file hosting service so your team could access documents conveniently
  • Online accounting software to keep your books up-to-date
  • An online calendar to schedule workflows, team huddles, and client meetings

Compassionate

If there is one important characteristic a leader should have during this time, it’s compassion. Don’t get too caught up with managing your business that you end up forgetting the needs of your people.

Every member of your staff is handling the situation differently. Check-in on them regularly and see how you can help make things easier for them.

The Coronavirus pandemic has caught many businesses off guard. While the future may seem uncertain, one thing is for sure. Your business could thrive and survive any crisis with good leadership.

For assistance and support, get in touch with Glance Consultants. We offer a range of services for Small to Medium Enterprise. You can send an email to enquiries@glanceconsultants.com.au or call us at 03 9885 9793.

How to Maintain Customer Relationships During the Coronavirus Outbreak

how to maintain customer relationships during the coronavirus outbreakCOVID-19 has forced many organisations to scale down their business activities, if not temporarily stop their operations altogether. 

While we’re all going through a difficult time and struggling to adapt to our present situation, let’s not forget about our customers. What you do right now could determine the way your customers will work with you in the future. 

Here are some tips to help you nurture customer relationships during the outbreak. 

Humanise Your Brand

Empathy can go a long way — especially during these times. Show your customers that your organisation is more than the services or products you provide. Let them know the steps you’re taking to support your customers, employees and stakeholders. 

The best way to do this is through social media channels. Additionally, consider sending out email newsletters regularly.   

Develop a Customer Communication Strategy

Uncertainties can easily lead to anxiety in the part of your customers. Communication is important. Please don’t leave your customers in the dark. But make sure everyone in your company is saying the same things when reaching out to them. 

To avoid wrong information being sent out or miscommunication, it’s best to create a customer communication task force within your company. This group will be responsible for creating your customer communication strategy. Keep the team small and when possible, choose key individuals that are familiar with the customer-facing side of your business.

Prioritise Customer Issues and Inquiries

It’s understandable for customers to reach out to you more often during a crisis. To ensure you’re providing support promptly, develop a system that prioritises more pressing issues. This way, you could provide immediate assistance to customers who need your support ASAP.

Additionally, never forget to reach out to customers for follow-up. This way, you can make sure that you provided appropriate assistance for them.  

Stick to Your Company Values

It’s easy to forget about your company values, mission, and vision when you’re trying to keep your business afloat. 

Remember that it’s during these times that your customers need you to stick to your promises. Assure them that you will continue to provide the level of support they’ve come to love about your organisation. 

Do you need help managing your business during this time? Glance Consultants is here to assist you. We can help you find a stimulus package that your business is eligible for and get you the financial support you need. 

To learn more about our services, you may call us at 03 9885 9793 or send an email to enquiries@glanceconsultants.com.au

How to Protect Your Business During the Coronavirus Outbreak

Protect Your Business During the Coronavirus OutbreakThe world continues to fight Coronavirus (Covid-19) and stop it from spreading four months since the first case was discovered in November. With over 700,000 cases recorded worldwide and approximately 3,900 cases in the country, SMEs and enterprises struggle to keep their businesses afloat.

Have you been affected by the Covid-19 Shutdown? Here are some tips to help you cope with our current situation.

Working From Home

If your business can continue its operations remotely, think about creating a set of work-from-home guidelines to support your team. This is especially important if it’s the first time that you will be implementing a work-from-home set-up.

Which positions or employees are eligible to work from home? Please keep in mind that not everyone is suited to work from home. For instance, if the job requires a high degree of supervision and you won’t be able to provide that, it might not be a good idea to have that position on a work-from-home set-up. Additionally, if the position requires equipment and resources that your employees don’t have at home, and you can’t offer, a work-from-home set-up might not be applicable.

To help your team transition to a work-from-home set-up, consider following the same schedule that you have in the office. If you have regular meetings at 10 am, think about doing virtual meetings at the same time. The key is to create a routine that is as close to what you have in your office as possible.

Other key considerations for working from home are as follows:

  • Work hours and breaks
  • Environment, such as noise, lighting, and home safety
  • Workstation set-up, including computers, printers, and a reliable Internet connection

Scaling Down Operations

Scaling down your operations could help limit your business expenses while still providing essential services to your clients. This way, you won’t have to shut down your operations entirely, and you’re still able to provide your employees with financial support.

Since the shutdown, many businesses have chosen to lessen their employee hours. Another thing you could do is to reduce supplementary labour. Whenever you can, delegate the crucial tasks you usually outsource to contractors or labour hire workers to your employees.

If your business is in the position to provide extended service leave at half-pay, it might be a great idea to do that to scale down your operations.

Getting Financial Support

The government is prepared to help SMEs during these trying times. Through the Economical Survival Packages, you could get financial support for business-related payments, wage subsidies, and short-term loans.

Do you need help managing your business and making sure things are in order? Please don’t hesitate to reach out to us. You could send an email to enquiries@glanceconsultants.com.au or call us at 03 9885 9793.

 

Summary of the Government’s $84 billion coronavirus stimulus package

A. SME Tax & Cashflow measures

Cash flow assistance for businesses

  • Small and medium-sized business entities and not-for-profits with aggregated annual turnover under $50 million turnover that employs workers will be eligible for these tax-free payments. Payments will now be a minimum of $20,000 up to $100,000 and extended to eligible not-for-profits (including charities).
  • The enhanced scheme will be delivered in two phases: Firstly, with employers set to receive a first tax-free payment equal to 100 per cent of their salary and wages withheld, up to a maximum of $50,000, when businesses lodge their activity statements for the 28 April and 28 July quarterly due dates.
    Secondly, an additional payment equal to the first payment will be made after businesses lodge their BAS by the 28 July and 28 October quarterly due dates.
    Eligible businesses that pay salary and wages will receive a minimum payment of $10,000, even if they are not required to withhold tax.
  • Monthly BAS lodgers will receive the first payment for the March 2020, April 2020, May 2020 and June 2020 lodgements, with a 300 per cent calculation in the March activity statement to provide the same treatment as quarterly lodgers.
  • The second payment for monthly BAS lodgers will be released once they lodge their June 2020, July 2020, August 2020 and September 2020 lodgements.

 

Tax Incentives

  • From Thursday 12 March 2020, the instant asset write-off threshold has been increased from $30,000 (for businesses with an aggregated turnover of less than $50 million) to $150,000 (for businesses with an aggregated turnover of less than $500 million) until 30 June 2020.
  • A time-limited 15-month investment incentive (through to 30 June 2021) which will operate to accelerate certain depreciation deductions. 

This measure will also be available to businesses with a turnover of less than $500 million, which will be able to immediately deduct 50% of the cost of an eligible asset on installation, with existing depreciation rules applying to the balance of the asset’s cost.
As announced, this measure will only apply to new depreciating assets first used, or installed ready for use, by 30 June 2021.

  • Wage subsidies to support the retention of apprentices and trainees – Employers with less than 20 full-time employees may be entitled to apply for Government-funded wage subsidies amounting to 50% of an apprentice’s or trainee’s wage for up to nine months from 1 January 2020 to 30 September 2020. 

The maximum subsidy for each apprentice/trainee is $21,000. Importantly, where an employer is not able to retain an apprentice, the subsidy will be available to a new employer that employs that apprentice. It is proposed that employers will be able to register for the subsidy from early-April 2020.

 

B. Access to superannuation

  • Employees who have been made redundant, or eligible to receive jobseeker payment, youth allowance parenting payments, special benefit or farm household allowance, or those who have their working hours reduced by 20 per cent or more, or sole traders whose businesses have been suspended or see a reduction in turnover by 20 per cent or more (where this has happened on or after 1 January 2020) will also now be allowed to access up to $20,000 of their superannuation.
  • Eligible individuals will be able to apply online through myGov to access up to $10,000 of their superannuation before 1 July 2020, and be able to access up to a further $10,000 from 1 July 2020 for approximately three months. The amounts released will not be taxable and will not affect Centrelink or Veterans’ Affairs payments.
  • The government will also reduce the minimum drawdown requirements for account-based pensions and similar products by 50 per cent for the 2019–20 and 2020–21 income years.
  • Deeming rates for pensioners will be reduced by another 0.25 of a percentage point.

 

C. Support to workers and households

  • Temporarily expanding eligibility to income support payments and establishing a new time-limited Coronavirus supplement to be paid at a rate of $550 per fortnight for the next 6 months. This applies to permanent employees who are stood down or lose their employment, sole traders, the self-employed, casual workers and contract workers will be able to access the new coronavirus supplement under expanded access to the JobSeeker Payment, formerly known as Newstart. The payments are set to commence from 27 April 2020. 
  • Tax-free payments of $750 to social security, veteran and other income support recipients and eligible concession cardholders. It is estimated that around half of those who will benefit will be pensioners. These payments will commence being automatically made from 31 March 2020.
  • In addition to the previous $750 payment announced, there will be a further $750 payment to social security and veteran income support recipients and eligible concession card holders except for those who are receiving an income support payment that is eligible to receive the Coronavirus supplement. This second payment will be made automatically from 13 July 2020. 
  • The Government has set aside $1 billion to support those regions and communities that have been disproportionately affected by the economic impacts of COVID19, including those heavily reliant on industries such as tourism, agriculture and education.

 

D.ATO administrative relief

On 12 March 2020, the Australian Taxation Office (ATO) announced a series of administrative concessions to assist businesses impacted by COVID19, which include:

  • deferring by up to 4 months the payment of tax amounts due through the BAS (including PAYG instalments), income tax assessments, FBT assessments and excise by affected businesses;
  • allowing affected businesses on a quarterly reporting cycle to opt into monthly GST reporting to get quicker access to any GST refunds;
  • allowing affected businesses to vary PAYG instalment amounts to zero for the March 2020 quarter. Businesses that vary their PAYG instalment to zero can also claim a refund for any instalments made for the September 2019 and December 2019 quarters;
  • remitting any interest and penalties, incurred by affected businesses on or after 23 January 2020, that have been applied to tax liabilities; and
  • allowing affected businesses to enter into low-interest payment plans for their existing and ongoing tax liabilities.

The ATO assistance is not automatic, taxpayers must first contact the ATO to request assistance, and if eligible, the ATO will ‘tailor the assistance package for the relevant taxpayer.

 

E. Payroll tax refund & Land Tax Deferral

  • Businesses with annual taxable wages up to $3 million will have their payroll tax for the 2019-20 financial year waived. This will support 24,000 businesses and up to 400,000 workers.
  • The State Revenue Office will directly contact eligible businesses to reimburse them for payroll tax already paid in the financial year.
  • Eligible businesses must continue to lodge returns but do not need to make further payments for this financial year.
  • These businesses can also defer paying payroll tax for the first quarter of the 2020-21 financial year.
  • Landowners that have at least one non-residential property and total taxable landholdings below $1 million have the option of deferring their 2020 land tax payment until after 31 December 2020.
  • The State Revenue Office will contact all taxpayers who are eligible for this deferral.

 

F. Temporary relief for financially distressed businesses

  • Temporarily increasing the threshold at which creditors can issue a statutory demand on a company and to initiate bankruptcy proceedings against an individual
  • Increasing the time companies and individuals have to respond to statutory demands they receive
  • Temporary relief for directors from any personal liability for trading while insolvent and providing temporary flexibility in the Corporations Act 2001 to provide targeted relief from provisions of the Act to deal with unforeseen events that arise as a result of the Coronavirus health virus.

 

Please do not hesitate to contact our office if you wish to discuss how this could affect you.

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