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<root>
  <posts>
    <post_id>916</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Why your borrowing capacity can change even if your income hasn’t]]></post_title>
    <post_content_short><![CDATA[It’s been a while since you last had a salary increase, so the amount you could borrow as a home loan is the same as last time you checked,
	right?
]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/916/Website-Why-your-borrowing-capacity-can-change-even-if-your-income-hasnt.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/why-your-borrowing-capacity-can-change-even-if-your-income-hasnt/</post_content_url>
    <post_date>2026-09-23 04:05:00</post_date>
  </posts>
  <posts>
    <post_id>915</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Planning For Success]]></post_title>
    <post_content_short><![CDATA[While it’s important for older people to follow a financial plan, it’s equally important – if not more-so – for younger people to develop a
	strategy for their future.
]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/915/Website-Planning-for-success.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/planning-for-success/</post_content_url>
    <post_date>2026-09-23 03:36:00</post_date>
  </posts>
  <posts>
    <post_id>914</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Market Snapshot: August 2026]]></post_title>
    <post_content_short><![CDATA[In this month's market snapshot, we take a glimpse at what the market has been up to and what the key developments were for August 2026.
]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/914/Website-Market-Snapshot_-August-2026.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/market-snapshot-august-2026/</post_content_url>
    <post_date>2026-09-22 23:17:00</post_date>
  </posts>
  <posts>
    <post_id>912</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Market Snapshot: July 2026]]></post_title>
    <post_content_short><![CDATA[In this month's market snapshot, we take a glimpse at what the market has been up to and what the key developments were for July 2026.
]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/912/Website-Market-Snapshot_-July-2026.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/newsletter/market-snapshot-july2026/</post_content_url>
    <post_date>2026-08-24 03:52:00</post_date>
  </posts>
  <posts>
    <post_id>911</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Budgeting on an irregular income: A guide for sole-trader contractors and freelancers]]></post_title>
    <post_content_short><![CDATA[Being your own boss offers flexibility, but it can also mean dealing with uneven income. Learn how contractors and freelancers can budget
more effectively, prepare for tax obligations and super contributions, and build financial buffers to help smooth out the ups and downs of
self-employment.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/911/Website-Budgeting-on-an-irregular-income_-A-guide-for-sole-trader-contractors-and-freelancers.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/newsletter/budgeting-on-an-irregular-income-a-guide-for-sole-trader-contractors-and-freelancers/</post_content_url>
    <post_date>2026-08-24 03:24:00</post_date>
  </posts>
  <posts>
    <post_id>910</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Common SMSF scams to be aware of]]></post_title>
    <post_content_short><![CDATA[Protecting your retirement savings starts with knowing the red flags.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/910/Website-Common-SMSF-scams-to-be-aware-of.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/newsletter/common-smsf-scams-to-be-aware-of/</post_content_url>
    <post_date>2026-08-24 01:12:00</post_date>
  </posts>
  <posts>
    <post_id>909</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[ASIC’s 30 June focus areas]]></post_title>
    <post_content_short><![CDATA[In keeping with ASIC’s enduring financial-reporting focus areas, the commission will monitor financial-report preparers’ major judgements.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/909/Website-ASICs-30-June-focus-areas.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/asics-30-june-focus-areas/</post_content_url>
    <post_date>2026-08-18 00:50:00</post_date>
  </posts>
  <posts>
    <post_id>908</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[ACNC guides charities on investing]]></post_title>
    <post_content_short><![CDATA[The Australian Charities and Not-for-profits Commission has released new guidance to help charities wanting to invest cash.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/908/Website-ACNC-guides-charities-on-investing.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/acnc-guides-charities-on-investing/</post_content_url>
    <post_date>2026-08-18 00:37:00</post_date>
  </posts>
  <posts>
    <post_id>907</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Twelfth edition of Australian Charities Report released]]></post_title>
    <post_content_short><![CDATA[The Australian Charities Report provides a comprehensive annual analysis of information submitted by registered charities in annual
	information statements.
]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/907/Website-Twelfth-edition-of-Australian-Charities-Report-released.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/twelfth-edition-of-australian-charities-report-released/</post_content_url>
    <post_date>2026-08-18 00:30:00</post_date>
  </posts>
  <posts>
    <post_id>906</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[New Restrictions on SMSF Property Borrowing from 10 August 2026]]></post_title>
    <post_content_short><![CDATA[The Government has introduced significant changes to the way Self Managed Superannuation Funds (SMSFs) can use Limited Recourse Borrowing
	Arrangements (LRBAs) to acquire property.
]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/906/LRBA-Changes-Website-Header-August-2026.svg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/new-restrictions-on-smsf-property-borrowing-from-10-august-2026/</post_content_url>
    <post_date>2026-08-04 23:43:00</post_date>
  </posts>
  <posts>
    <post_id>903</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Why budgeting is about managing cash flow, not just cutting costs]]></post_title>
    <post_content_short><![CDATA[Cutting costs can be a useful starting point when you’re struggling to make ends meet. But true financial progress comes from mastering your
cash flow.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/903/Website-Why-budgeting-is-about-managing-cash-flow-not-just-cutting-costs.svg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/why-budgeting-is-about-managing-cash-flow-not-just-cutting-costs/</post_content_url>
    <post_date>2026-07-28 02:00:00</post_date>
  </posts>
  <posts>
    <post_id>905</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Market Snapshot: June 2026]]></post_title>
    <post_content_short><![CDATA[In this month's market snapshot, we take a glimpse at what the market has been up to and what the key developments were for June 2026.
]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/905/Website-Market-Snapshot_-June-2026.svg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/market-snapshot-june-2026/</post_content_url>
    <post_date>2026-07-27 07:27:00</post_date>
  </posts>
  <posts>
    <post_id>901</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Celebrating Two Decades of SMSFs]]></post_title>
    <post_content_short><![CDATA[From its early beginnings to a thriving specialist division, the SMSF team has helped shape financial futures for hundreds of clients across
20 years, and the journey is only just beginning.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/901/MCS-Email-Header-SMSF-20-Years-.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/celebrating-two-decades-of-smsfs/</post_content_url>
    <post_date>2026-07-14 23:00:00</post_date>
  </posts>
  <posts>
    <post_id>904</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Important Changes to How We Work With You]]></post_title>
    <post_content_short><![CDATA[From 1 July 2026, new laws changed how every accounting practice in Australia works with their clients.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/904/Website-Important-changes-to-how-we-work-with-you.svg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/important-changes-to-how-we-work-with-you/</post_content_url>
    <post_date>2026-07-14 22:25:00</post_date>
  </posts>
  <posts>
    <post_id>899</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Jerry Reading Appointed Associate at McConachie Stedman]]></post_title>
    <post_content_short><![CDATA[McConachie Stedman is pleased to announce the appointment of Jerry Reading to Associate, effective 1 July 2026.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/899/MCS-Newsletter-Tile-Jerry-Associate.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/jerry-reading-appointed-associate-at-mcconachie-stedman/</post_content_url>
    <post_date>2026-07-09 02:00:00</post_date>
  </posts>
  <posts>
    <post_id>898</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Alistair Taylor-Spry Appointed Associate at McConachie Stedman]]></post_title>
    <post_content_short><![CDATA[McConachie Stedman is pleased to announce the appointment of Alistair Taylor-Spry to Associate, effective 1 July 2026.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/898/MCS-Newsletter-Tile-Alistair-Associate-Announcement.svg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/alistair-taylor-spry-appointed-associate-at-mcconachie-stedman/</post_content_url>
    <post_date>2026-07-02 02:00:00</post_date>
  </posts>
  <posts>
    <post_id>897</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Kent Paroz Appointed Director at McConachie Stedman]]></post_title>
    <post_content_short><![CDATA[McConachie Stedman is pleased to announce the appointment of Kent Paroz to Director, effective 1 July 2026.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/897/MCS-Newsletter-Tile-Kent-Director.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/kent-paroz-appointed-director-at-mcconachie-stedman/</post_content_url>
    <post_date>2026-07-01 01:00:00</post_date>
  </posts>
  <posts>
    <post_id>900</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Market Snapshot: May 2026]]></post_title>
    <post_content_short><![CDATA[In this month's market snapshot, we take a glimpse at what the market has been up to and what the key developments were for May 2026.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/900/Website-Market-Snapshot_-May-2026.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/market-snapshot-may-2026/</post_content_url>
    <post_date>2026-06-15 05:12:00</post_date>
  </posts>
  <posts>
    <post_id>894</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Rent or buy: What’s best for your super?]]></post_title>
    <post_content_short><![CDATA[Home ownership, is it still the Great Australian Dream? According to a recent survey, it is, but the option of renting for life is becoming
	increasingly attractive.
]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/894/Website-Rent-or-Buy_-Whats-Best-For-Your-Super.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/rent-or-buy-whats-best-for-your-super/</post_content_url>
    <post_date>2026-06-04 00:59:00</post_date>
  </posts>
  <posts>
    <post_id>893</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Announcing Steve’s Retirement from McConachie Stedman]]></post_title>
    <post_content_short><![CDATA[McConachie Stedman would like to announce the retirement of Steve Kirkman, Director and valued member of our team.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/893/Newsletter-Tile-Steves-Retirement-Image.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/announcing-steves-retirement-from-mcconachie-stedman/</post_content_url>
    <post_date>2026-05-27 22:43:00</post_date>
  </posts>
  <posts>
    <post_id>892</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Market Snapshot: April 2026]]></post_title>
    <post_content_short><![CDATA[In this month's market snapshot, we take a glimpse at  what the market has been up to and what the key developments were for
	April 2026.
]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/892/Website-Market-Snapshot_-April-2026.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/market-snapshot-april-2026/</post_content_url>
    <post_date>2026-05-18 02:03:00</post_date>
  </posts>
  <posts>
    <post_id>891</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[10 Common Financial Myths Busted]]></post_title>
    <post_content_short><![CDATA[Navigating the world of personal finance can be challenging, especially with the myriad of myths that can cloud your judgment.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/891/Website-10-Common-Financial-Myths-Busted.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/10-common-financial-myths-busted/</post_content_url>
    <post_date>2026-05-18 01:53:00</post_date>
  </posts>
  <posts>
    <post_id>890</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Meet the Expert: Financial Planning Associate Kent Paroz]]></post_title>
    <post_content_short><![CDATA[When it comes to making confident financial decisions, having the right guidance can make all the difference. That is where Kent Paroz,
	Associate and Financial Planner, comes in.
]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/890/Meet-the-Expert-Kent-Paroz.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/meet-the-expert-financial-planning-associate-kent-paroz/</post_content_url>
    <post_date>2026-05-18 01:08:00</post_date>
  </posts>
  <posts>
    <post_id>886</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Understanding Tax Planning: What It Is and Who It Applies To]]></post_title>
    <post_content_short><![CDATA[Tax planning is not just something for large businesses or wealthy people. It is a smart process that helps individuals and business owners
legally manage how much tax they pay and avoid surprises.]]></post_content_short>
    <post_icon>https://www.mcs.au/media/website_posts/886/Understanding-tax-planning-What-it-is-and-who-it-applies-to-Website.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/understanding-tax-planning-what-it-is-and-who-it-applies-to/</post_content_url>
    <post_date>2026-05-07 05:17:00</post_date>
  </posts>
  <posts>
    <post_id>885</post_id>
    <post_category_id>4</post_category_id>
    <post_title><![CDATA[Findings on charities that operate as groups]]></post_title>
    <post_content_short><![CDATA[The ACNC has released a summary of a review into charities operating with a complex structure, identifying how they practise good governance
	and manage risk.
]]></post_content_short>
    <post_icon></post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.mcs.au/about-us/news/findings-on-charities-that-operate-as-groups/</post_content_url>
    <post_date>2026-04-30 23:20:00</post_date>
  </posts>
</root>
