Cms/stephanfakossw/ssw.rules.content/rule/maximize superannuation benefits/rule

rules/maximize-superannuation-benefits/rule.md

@@ -1,22 +1,22 @@
 ---
 type: rule
 tips: ""
-title: Payroll - Do you know how to maximize Superannuation benefits? (Aussie only)
-seoDescription: "How to choose the best Super fund? "
+title: Payroll - Do you maximize your Superannuation benefits? (Aussie only)
+seoDescription: Superannuation isn’t just savings, it’s a powerful investment. Maximize your future wealth with compound interest, strategic contributions, and smart management today!
 uri: maximize-superannuation-benefits
 authors:
   - title: Stephan Fako
     url: https://www.ssw.com.au/people/stephan-fako
 related:
   - salary-terminology
   - salary-sacrifice-electronic-devices
+  - salary-terminology
 created: 2024-10-22T11:36:00.000Z
 guid: b455ea0e-0b1c-41e3-a97a-2e2315b20d08
 ---
+Almost everyone gives a low care factor to their Superannuation because it is so far away. That is a mistake!
 
-Superannuation (Super) is a compulsory retirement savings system in Australia. Your employer makes contributions on your behalf, which are invested and managed by your chosen Super fund until retirement.
-
-Superannuation isn’t just a passive savings account — it’s an investment vehicle where your money earns interest and grows over decades.
+Superannuation is more than just a retirement savings account - it's a long-term investment that benefits greatly from the power of compound interest, strategic salary sacrifice, and good fund management. Use these tools and strategies to maximize your financial future!
 
 <!--endintro-->
 
@@ -26,6 +26,10 @@ Let’s break it down by exploring 3 key aspects you need to understand:
 * How to grow Super through salary sacrifice (going beyond mandatory) 
 * How to check your Super fund is giving you strong returns
 
+### What is Superannuation?
+
+Superannuation (Super) is a compulsory retirement savings system in Australia. Your employer makes contributions on your behalf, which are invested and managed by your chosen Super fund until retirement.
+
 ## 1. The power of compound interest
 
 You may have heard people say that the sooner you start saving, the better off you'll be. That’s because of compound interest.
@@ -48,7 +52,7 @@ When investment returns are higher, your Super fund’s investments generate mor
 
 Conversely, a lower return rate reduces the speed at which your Super balance grows. Although your investment still benefits from compounding, the overall growth is more modest compared to higher rates.
 
-![Figure: It looks the same but increasing the investment return rate from 6% to 7% over 30 years will increase your ending balance for almost $190k (a slightly better fund, can give you higher returns)](coumpound-interest-2.jpg)
+![Figure: It looks the same but increasing the investment return rate from 6% to 7% over 30 years will increase your ending balance for almost $20k (a slightly better fund, can give you higher returns)](coumpound-interest-2.jpg)
 
 ## 2. Increasing your Super balance through salary sacrifice
 
@@ -60,7 +64,7 @@ Learn more about the [benefits of salary sacrificing](/salary-sacrifice-electron
 
 Super Salary Sacrifice offers 2 key benefits:
 
-✅ **Tax Savings** - Your salary sacrifice contributions are taxed at 15%, which can be up to 30% lower than your marginal [income tax rate](https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents)     
+✅ **Tax Savings** - Your salary sacrifice contributions are taxed at 15%, which can be up to 30% lower than your marginal [income tax rate](https://www.ato.gov.au/tax-rates-and-codes/tax-rates-australian-residents)\
 ✅ **Super Boost** - Extra contributions into Super lead to faster compounding growth
 
 The important thing to remember with Super is that your contributions are subject to the Superannuation Contributions Cap. The Cap is $30,000 per year in FY2025, but it changes over time.
@@ -69,7 +73,7 @@ The important thing to remember with Super is that your contributions are subjec
 **Warning**: It’s essential to check the current Cap each year and consider both your employer’s contributions and any Super Salary Sacrifice contributions to avoid exceeding the Cap.
 :::
 
-![Figure: Salary Sacrificing $100 per month, with a 7% investment return over 30 years will increase your compounded interest by almost $80k](coumpound-interest-3.jpg)
+![Figure: Salary Sacrificing $50 per week, with a 7% investment return over 30 years will increase your compounded interest by almost $170k](coumpound-interest-3.jpg)
 
 ## 3. How to choose the right investment option in your Super
 
@@ -132,10 +136,10 @@ This strategy can help you save for a deposit faster, while still benefiting fro
 
 Check out ATO’s website for further information on the [First Home Super Saver Scheme](https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/early-access-to-super/first-home-super-saver-scheme).
 
----
+- - -
 
 ## Maximize your financial future
 
-Almost everyone gives a low care factor to their Superannuation because it is so far away. That is a mistake!
+Remember, even small adjustments today can lead to big rewards down the road. Whether you’re comparing funds, adjusting your risk level, or considering salary sacrifice, each step brings you closer to a more comfortable retirement.
 
-Super is more than just a retirement savings account - it's a long-term investment that benefits greatly from the power of compound interest, strategic salary sacrifice, and good fund management. Use these tools and strategies to maximize your financial future!
+Before making decisions about your financial future, don’t forget to seek independent professional advice.

rules/use-figma-dev-mode/rule.md

@@ -0,0 +1,43 @@
+---
+type: rule
+title: Do you use Figma Dev Mode to improve developer handovers?
+seoDescription: Learn how Figma Dev Mode streamlines developer handovers by providing a seamless bridge between design and development
+uri: figma-dev-mode
+authors:
+  - title: Betty Bondoc
+    url: https://www.ssw.com.au/people/betty-bondoc/
+created: 2024-10-30T14:20:35.753Z
+guid: 83be089e-9cad-4d55-8f77-26b1ce2d2fbc
+---
+
+One of the biggest pain points during design-to-development handover is the loss of information or miscommunication between teams. Designers might create stunning designs, but without clear specifications, developers can struggle to implement them accurately. This often results in back-and-forth clarifications, missed deadlines, and frustration.
+
+<!--endintro-->
+
+[Figma Dev Mode](https://help.figma.com/hc/en-us/articles/15023124644247-Guide-to-Dev-Mode) solves this issue by offering developers all the necessary design details in a developer-friendly format. With access to measurements, code snippets, and assets, developers can easily translate designs into code without needing constant input from designers.
+
+`youtube: https://www.youtube.com/watch?v=__ABPkb0aF8`
+**Video: Intro to Dev Mode (4 min 25 sec)**
+
+## Benefits of Using Figma Dev Mode
+
+* **Reduced Friction:** All design assets are presented in a format developers can immediately use, reducing misunderstandings.
+* **Code Snippets Ready to Use:** Extract CSS, Swift, or Android code directly from the design elements.
+* **Access to Design Properties:** Measurements, spacing, and font details are available in one place, eliminating the need to switch between tools.
+* **Downloadable Assets:** Developers can directly download production-ready images and icons from Figma without requesting files from designers.
+* **Version Control Visibility:** See updates and changes in real-time, ensuring everyone is aligned with the latest design iteration.
+
+## How to Use Dev Mode Effectively
+
+1. **Enable Dev Mode:** Designers need to switch to Dev Mode before handing over a file.
+2. **Use Comments for Clarifications:** Encourage designers to leave notes for developers on any specific behaviors or constraints.
+3. **Organize Components:** Properly named layers and components help developers quickly find relevant assets.
+4. **Test Asset Downloads:** Ensure assets are correctly prepared and named for development to prevent rework.
+
+::: bad  
+![Figure: Bad Example - A basic mockup or prototype with no technical details, forcing developers to guess measurements and styles.](figma-preview.png)  
+:::
+
+::: good  
+![Figure: Good Example - The design includes useful developer details such as color codes, font styles, measurements, and spacing.](figma-dev-mode.png)  
+:::