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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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The 1 January policy changes now affecting Australians

By Grace Ormsby

January 06 2020
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The 1 January policy changes now affecting Australians

By Grace Ormsby
January 06 2020

Salary sacrificing employees, first home buyers, students and some cancer sufferers are among those impacted by federal policy and legislative changes from 1 January 2020.

The 1 January policy changes now affecting Australians

By Grace Ormsby

January 06 2020
Share

Salary sacrificing employees, first home buyers, students and some cancer sufferers are among those impacted by federal policy and legislative changes from 1 January 2020.

A statement from Treasurer Josh Frydenberg has outlined four separate groups impacted by a number of measures that came into effect with the new year.

We’ve outlined them below:

Salary sacrificed superannuation contributions

“Unscrupulous employers will no longer be able to short-change employees who make salary sacrificed superannuation contributions”.

Employers will no longer be able to use a loophole that saw salary sacrificed contributions satisfying their superannuation guarantee obligations for employees.

The First Home Loan Deposit Scheme

Forming a cornerstone of election policies in the 2019 federal election, the First Home Loan Deposit scheme is now live.

In a separate article, nestegg has noted that new buyers have been advised to use caution with regard to the scheme, outlining both the potential pros and cons for first home buyers.

Mr Frydenberg reiterated that the concession provides up to 10,000 guarantees to eligible first home buyers each financial year.

Despite recent criticism about the policy leaving first home buyers “mostly in the dark”, the Treasurer said applications can be made as part of the standard home loan application process through participating lenders.

Affordable medicine for cancer and epilepsy patients

New medicines have also been added to the Pharmaceutical Benefits Scheme for the new decade.

Mr Frydenberg said these include Verzenio® (Abemaciclib) for patients with advanced breast cancer and APO-Primidone® (Primidone) for patients with epilepsy.

HELP loan changes

Students will see changes to the structure of HELP loans taken out after 1 January this year, with one single loan limit combining FEE-HELP, VET student loans, VET FEE-HELP and new HECS-HELP.

The HELP loan limit has now increased to $106,319 for most students.

Students studying medicine, dentistry, veterinary science and eligible aviation courses will have access to loans to the value of $152,700.

According to the Treasurer, the new measures “build on what the Morrison government has delivered since the election, including the largest tax cuts in more than two decades, vital support to farmers and communities affected by natural disasters and more funding for aged care”.

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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.