<?xml version="1.0" encoding="UTF-8"?>
<root>
  <posts>
    <post_id>6</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[Under 18? Tax and Super questions answered]]></post_title>
    <post_content_short><![CDATA[So you've landed your first gig before you can even rent a car — congratulations! Here's the honest (but friendly) rundown of what the tax office and your super fund expect from you: lodging a tax return, how superannuation works when you're under 18, and a point-form list of things to watch out for as a young employee.]]></post_content_short>
    <post_icon>https://www.caliyanassociates.com.au/media/website_posts/6/doordash-LbUQQVRazIY-unsplash.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.caliyanassociates.com.au/news/under-18-tax-and-super-questions-answered/</post_content_url>
    <post_date>2026-09-28 10:50:13</post_date>
  </posts>
  <posts>
    <post_id>5</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[No More Card Surcharges From 1 October: What It Means For Your Wallet (And Your Local Café)]]></post_title>
    <post_content_short><![CDATA[The Government is banning credit card surcharges from 1 October. Honest take: the fees don't vanish — they move into prices. Here's what the 1–2% shift means for your business, your customers, and why "cash discount" signs might be making a comeback.]]></post_content_short>
    <post_icon>https://www.caliyanassociates.com.au/media/website_posts/5/pexels-aukid-phumsirichat-3095759-4691474.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.caliyanassociates.com.au/news/no-more-card-surcharges-from-1-october-what-it-means-for-your-wallet-and-your-local-cafe/</post_content_url>
    <post_date>2026-09-27 16:45:47</post_date>
  </posts>
  <posts>
    <post_id>3</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[Why Business Advisory Matters]]></post_title>
    <post_content_short><![CDATA[Australia's tax system is complex, its deadlines are unforgiving, and late lodgement fines are real. Here's why business advisory matters for staying ahead of all three.]]></post_content_short>
    <post_icon>https://www.caliyanassociates.com.au/media/website_posts/3/pexels-avarpartaapsingh-36599616.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.caliyanassociates.com.au/news/why-business-advisory-matters/</post_content_url>
    <post_date>2026-06-30 14:55:00</post_date>
  </posts>
  <posts>
    <post_id>4</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[Payday Super]]></post_title>
    <post_content_short><![CDATA[Payday super is on the way from July 1st . ]]></post_content_short>
    <post_icon>https://www.caliyanassociates.com.au/media/website_posts/4/pexels-silverkblack-36729736.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.caliyanassociates.com.au/news/payday-super/</post_content_url>
    <post_date>2026-06-10 05:57:23</post_date>
  </posts>
  <posts>
    <post_id>1</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[Tax Planning Before EOFY]]></post_title>
    <post_content_short><![CDATA[As the end of the financial year approaches, now is the ideal time to review your tax position and identify opportunities to improve your
	outcome.
]]></post_content_short>
    <post_icon>https://www.caliyanassociates.com.au/media/website_posts/1/tyler-franta-iusJ25iYu1c-unsplash.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.caliyanassociates.com.au/news/tax-planning-before-eofy/</post_content_url>
    <post_date>2026-04-10 13:38:00</post_date>
  </posts>
  <posts>
    <post_id>2</post_id>
    <post_category_id>1</post_category_id>
    <post_title><![CDATA[Is an SMSF Right for You?]]></post_title>
    <post_content_short><![CDATA[A Self-Managed Super Fund (SMSF) can provide greater control and flexibility over your retirement savings, but it also comes with additional
	responsibilities and compliance requirements.
]]></post_content_short>
    <post_icon>https://www.caliyanassociates.com.au/media/website_posts/2/towfiqu-barbhuiya-nApaSgkzaxg-unsplash.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.caliyanassociates.com.au/news/is-an-smsf-right-for-you/</post_content_url>
    <post_date>2026-02-01 13:49:00</post_date>
  </posts>
</root>
