atw: Re: Buying a new laptop

  • From: Carole Dacey <carole_dacey@xxxxxxxxxxxxxxxxxxxxx>
  • To: "'austechwriter@xxxxxxxxxxxxx'" <austechwriter@xxxxxxxxxxxxx>
  • Date: Tue, 18 May 2004 13:05:19 +1000

For those of you thinking of salary sacrifice, here is a quick method of
working out how much it will cost you:

a. Divide the laptop by 1.1 to remove GST
b. Subtract the % income tax you're on from the GST free amount to get the
cost

e.g. laptop cost is $2200 incl GST, and your tax rate is 35%.

a. 2200 / 1.1 = 2000

b. 2000 - 35%(2000) = $1300

Our company allows salary sacrifice and many of us take advantage of it.

Cheers 
Carole

-----Original Message-----
From: austechwriter-bounce@xxxxxxxxxxxxx
[mailto:austechwriter-bounce@xxxxxxxxxxxxx] On Behalf Of Elizabeth Fullerton
Sent: Tuesday, 18 May 2004 12:53 PM
To: austechwriter@xxxxxxxxxxxxx
Subject: atw: Re: Buying a new laptop

I'm about to be in the market for a new laptop, too (since mine was
recently removed from my house by someone whose fingerprints identify as
a transient).

I'm certainly going to consider the salary-packaging option, there was
an article about it in the new Choice Money magazine (or whatever it's
called) - the example they gave was someone purchasing a $5,000 computer
and saving just under half of that by packaging.

I'd like some opinions though - I'm considering buying a Mac. I'm sick
to death of all the MS patches that need to be applied, and all the
viruses that run rampant through the patches. My flatmate had a Mac
laptop (until it was removed by the same fingerprinted individual) - and
she just used the software that it came with, with no problems. She's
not a power word-processor user by any means, but she did write a book
on it. She also used it to bring work home, and I don't think she
suffered any incompatibility problems (Windows at work).

I've used both Mac and PC in my chequered career, and though I haven't
used Mac in a while I never had any issues with it, apart from Word for
Mac being so crap (at the time, might be better now).=20

Do people have preferences for Mac or PC laptops? and why?


=20

-----Original Message-----
From: austechwriter-bounce@xxxxxxxxxxxxx
[mailto:austechwriter-bounce@xxxxxxxxxxxxx] On Behalf Of Stewart Walker
Sent: Tuesday, 18 May 2004 12:25 PM
To: austechwriter@xxxxxxxxxxxxx
Subject: atw: Re: Buying a new laptop

One thing to consider is that laptops get a
concessional treatment from a fringe benefits tax
viewpoint. If your employer offers salary packaging,
it's cheaper to include a laptop in your package and
get a reduced cash salary, than it is to buy it with
your after-tax pay.

This is just my understanding, I'm not an accountant
or lawyer, get your own indepdent advice, etc, etc.

Cheers

Stewart

--- Cathy.Morison@xxxxxxxxx wrote:
> I really need a new laptop and now is probably about
> the best time of =3D
> year to
> buy one.
>=20
> However, what are your experiences on the relative
> merits (financial/tax
> advantages) of paying cash, business lease/rent or
> hire purchase?
>=20
> As you can guess, I am not a very financially
> literate person!
>=20
> Any advice appreciated.
>=20
> Cathy Morison
> Technical Writer
> Database Development, PMD
> Geoscience Australia
> ABN: 80 091 799 039=3D20
> Website: www.ga.gov.au=3D20
> **************************************************
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>=20
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>=20
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=09
        =09
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