Santosh Acharya's Blog

 नेपाल सरकारको आ.व. २०८३/८४ को बजेटले राजस्व, खर्च, ऋण, पूर्वाधार, शिक्षा, स्वास्थ्य, कृषि र प्रविधि क्षेत्रमा विभिन्न प्राथमिकता देखाएको छ। यस लेखमा बजेटका मुख्य तथ्यहरूलाई सरल भाषामा विश्लेषण गरिएको छ। आर्थिक वर्ष २०८३/८४ को बजेट वक्तव्य अनुसार आम्दानी (राजस्व) र खर्चका मुख्य स्रोतहरू देहाय बमोजिम रहेका छन्: १. आम्दानीका स्रोतहरू (Sources of Revenue/Income) सरकारले कुल रू. २१२४ अर्ब ३४ करोड खर्च व्यहोर्नका लागि देहायका स्रोतहरू परिचालन गर्ने लक्ष्य राखेको छ [११८]: राजस्व (Revenue): रू. १४०५ अर्ब ३१ करोड राजस्वबाट व्यहोरिनेछ [११८]। यसमा आयकर, मूल्य अभिवृद्धि कर (VAT), भन्सार महसुल र अन्त:शुल्क जस्ता करहरू समावेश छन् । वैदेशिक अनुदान (Foreign Grants): वैदेशिक सहायता अन्तर्गत रू. ६१ अर्ब ७४ करोड अनुदान प्राप्त हुने अनुमान। वैदेशिक ऋण (Foreign Loans): राजस्व र अनुदानबाट नपुग हुने रकम रू. २४७ अर्ब २८ करोड वैदेशिक ऋण परिचालन । आन्तरिक ऋण (Internal Loans): थप न्यून पूर्तिका लागि रू. ४१० अर्ब आन्तरिक ऋण उठाइने। २. खर्चका क्षेत्रहरू (Sources of Expenses) बजेटले कुल विनियोजनलाई मुख्य तीन श...

Background Living in Australia means achieving financial freedom is definitely your top goal. But let’s be honest jumping straight into the Australian Securities Exchange (ASX) with our hard-earned money can be very risky if we don't have proper experience. To solve this problem, in this blog post, I will look into how the ASX Sharemarket Game works and how you can use it to polish your investing skills. What exactly is the ASX Sharemarket Game? Basically, it is a virtual trading simulation run by the ASX itself. It gives you a real-time experience of the stock market without any real financial risk. Virtual Cash: You get $50,000 in play money to build your portfolio. Live Market Price: The game runs on real-time data. If Commonwealth Bank (CBA) or BHP shares go up or down in the actual market, your virtual portfolio changes exactly the same way. Plenty of Options: You can practice buying and selling over 300 top ASX companies, 60+ ETFs (Exchange Traded Funds), and Listed Investm...

THE 4 KEY QUESTIONS  Before choosing a structure, ask yourself these four questions: One: How much personal risk am I taking on? Two: How much do I expect to earn? Three: Am I doing this alone or with others? Four: Am I thinking short term or building something long term? Your answers to these four questions will point you directly to the right structure. Let’s walk through each scenario. SCENERIO 1 - JUST STARTING OUT   If you’re just starting out — testing a business idea, freelancing on the side, or running a low-risk service-based business — a Sole Trader is almost always the right starting point. It’s free to set up, simple to manage, and gets you moving fast. You can always change your structure later as the business grows — and many successful business owners start here. Perfect for: freelancers, consultants, tradies, photographers, tutors, and side hustlers. Just Starting? → Sole Trader SCENARIO 2 — GOING INTO BUSINESS WITH SOMEONE  If you’re building something wi...

INTRO  You’ve seen it everywhere Pty Ltd . On business cards, invoices, websites. But what does it actually mean? And more importantly, is it the right structure for YOUR business? In this blog, I’m breaking down exactly what a company structure is in Australia, how it works, and when it makes sense to make the switch.  WHAT IS A COMPANY?  A company or Proprietary Limited company, which is what Pty Ltd stands for, is a separate legal entity from the people who own and run it. This is the fundamental difference between a company and every other structure. As a sole trader or partner, you ARE the business. But as a company the business exists independently of you. It can own property, enter contracts, sue and be sued all in its own name. The company has shareholders who own it and directors who run it. In a small business, you’ll often be both the sole director and the sole shareholder at the same time. But legally, those are two completely separate roles. HOW TO SET ON...