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According to Professor Asha Rao, while many individuals don’t consider their data “important” enough to feel vulnerable to cyber security threats, it’s precisely that attitude that is preyed upon by cyber criminals.

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The associate dean of mathematical sciences at RMIT University joins host Grace Ormsby on this episode of The nestegg Podcast to discuss the recent cyber attacks affecting the Australian government, the importance of remaining vigilant around cyber security, and the common scams that people should be wary of.

Professor Rao explains how automated technology makes cyber crime more profitable, why the pandemic has increased our exposure risk to such threats, and what to do if you think you’ve compromised your cyber security.

Thanks Professor Rao, for sharing your insights with the nestegg podcast team!

Have an investment story to share? Get in touch at [email protected] and you might get featured on the next episode.

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HomeBuilder is here: Who is set to benefit?

By Grace Ormsby

June 04 2020
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Invest

HomeBuilder is here: Who is set to benefit?

By Grace Ormsby
June 04 2020

The government has unveiled the HomeBuilder scheme, which will see eligible owner-occupiers who are either building or undertaking a substantial renovation given $25,000 for doing so. But who will actually benefit from the stimulus?

HomeBuilder is here: Who is set to benefit?

By Grace Ormsby

June 04 2020
Share

In an information package revealed overnight, the Treasury said the HomeBuilder is a time-limited grant program designed to help Australia’s residential construction market bounce back from the coronavirus crisis.

HomeBuilder will provide eligible owner-occupiers, inclusive of first home buyers, a grant of $25,000 to build a new home or substantially renovate an existing home where the contract is signed between 4 June 2020 and 31 December 2020.

Construction works on the home must commence within three months of the contract being signed.

Who is eligible for HomeBuilder?

To access HomeBuilder, property purchasers and renovators must be an owner-occupier of the property.

They must also:

Be a natural person (not a company or a trust)
Be aged 18 years or older
Be an Australian citizen

Eligibility will also require having an income below one of the following income caps:

$125,000 per annum for an individual applicant based on your 2018-19 tax return or later; or
$200,000 per annum for a couple based on both 2018-19 tax returns or later

The building contract must be entered into between 4 June 2020 and 31 December 2020 and must fall into either of the following categories:

The construction of a new home must be for the purpose of being a principal place of residence, where the property value (of the house and land) does not exceed $750,000; or
Substantially renovate your existing home as a principal place of residence, where the renovation contract is between $150,000 and $750,000, and where the value of your existing property does not exceed $1.5 million

Construction must be commenced within three months of the contract details.

According to the Treasury, HomeBuilder will complement all existing state and territory First Home Owner Grant programs, stamp duty concessions and other grant schemes.

It will also complement the Commonwealth government’s First Home Loan Deposit Scheme and First Home Super Saver Scheme.

Who is not eligible for HomeBuilder?

Owner-builders and anyone who is seeking to build a new home to be used as an investment property will not be eligible for HomeBuilder.

Investors seeking to renovate an existing home in use as an investment property will also not be eligible for the scheme.

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About the author

Grace Ormsby

Grace is a journalist on Momentum Media's nestegg. She enjoys being able to provide easy to digest information and practical tips for Australians with regard to their wealth, as well as having a platform on which to engage leading experts and commentators and leverage their insight.