Generated by Rank Math SEO, this is an llms.txt file designed to help LLMs better understand and index this website. # MaxMargin Accountants ## Sitemaps [XML Sitemap](https://www.mmcpa.com.au/sitemap_index.xml): Includes all crawlable and indexable pages. ## Posts - [Do You Need GST Registration? The $75,000 Threshold Explained in Plain English](https://www.mmcpa.com.au/general/do-you-need-gst-registration-the-75000-threshold-explained-in-plain-english/): GST registration is one of those things that sounds straightforward until you sit down and try to work out whether it actually applies to you. The threshold is $75,000, but how exactly is it measured? What counts towards it? And what happens if you cross it without realising?  - [Negative Gearing Is Changing in July 2027. Here Is How Melbourne Property Investors Can Prepare Now](https://www.mmcpa.com.au/general/negative-gearing-is-changing-in-july-2027-here-is-how-melbourne-property-investors-can-prepare-now/): The May 2026 Federal Budget changed the negative gearing rules for established residential property, and since then, the question we hear most from Melbourne investors is a simple one: what should I actually be doing right now?  - [The $20,000 Instant Asset Write-Off Is Now Permanent. Here Is How to Actually Use It Without Getting It Wrong](https://www.mmcpa.com.au/general/the-20000-instant-asset-write-off-is-now-permanent-here-is-how-to-actually-use-it-without-getting-it-wrong/): You bought a new laptop for the business. Or maybe it was a coffee machine for the cafe, a pressure washer for the tradie van, or a secondhand ute you found on Facebook Marketplace. Someone told you to "just write it off." Easy, right? Not quite. The instant asset write-off is one of the most useful small business tax deductions in Australia, but it comes with rules that trip people up every year. Claim something that does not qualify, get the timing wrong, or miss the threshold by a few dollars, and you could end up on the wrong end of an ATO review.  - [The 50 Percent CGT Discount Ends in July 2027. Here Is What Melbourne Property Investors Should Do Right Now](https://www.mmcpa.com.au/general/the-50-percent-cgt-discount-ends-in-july-2027-here-is-what-melbourne-property-investors-should-do-right-now/): In June 2026, the Federal Government quietly passed a law that rewrites how capital gains tax works in Australia. From 1 July 2027, the 50 percent CGT discount that property investors have relied on since 1999 disappears entirely. What replaces it is a system that adjusts your cost base for inflation and slaps a 30 percent minimum tax on the gain. Whether that leaves you better off, worse off, or roughly the same depends on your property, your tax rate, and how long you plan to hold.  - [Victoria’s Land Tax Rules and What They Mean for Your Tax Return](https://www.mmcpa.com.au/general/victorias-land-tax-rules-and-what-they-mean-for-your-tax-return/): Most property investors in Victoria do not think much about land tax until the assessment turns up. You run the numbers before you buy, the rent coming in, the loan, the rates, the insurance, and land tax in Victoria sits somewhere between a footnote and an afterthought. Then the notice arrives, the figure is larger than you expected, and you are left wondering whether you got your sums wrong.  - [How to Actually Reduce Your Tax as a Sole Trader (Without Risking an ATO Audit) ](https://www.mmcpa.com.au/general/how-to-actually-reduce-your-tax-as-a-sole-trader-without-risking-an-ato-audit/): Most sole traders do not lie awake worrying they have paid too little tax. They worry about the opposite: that they have paid too much, missed something obvious, or claimed one thing they were not meant to. If that is you at tax time, you are in good company.  - [Small Business Accounting Tips for Melbourne Owners](https://www.mmcpa.com.au/general/small-business-accounting-tips-for-melbourne-owners/): Running a small business in Melbourne means keeping an eye on a lot more than sales and service, your books need just as much attention. The good news is that most small business accounting comes down to a handful of habits done consistently, plus knowing which 2026 changes are worth planning around. Here are the tips we give our own clients, starting with the one that affects almost every employer.  - [Tax Accountant vs DIY: Which Saves More Money?](https://www.mmcpa.com.au/business/tax-accountant-vs-diy-which-saves-more-money/): Every year, millions of Australians open the ATO's myTax platform and try to make sense of pre-filled income data, deduction categories, and lodgement deadlines. It feels free. But choosing to go DIY on your tax return instead of hiring a tax accountant has real costs. Sometimes those costs are invisible until the assessment arrives. - [Still Waiting on Your Melbourne Tax Refund? 7 Reasons Your Return Might Be Delayed (And How to Fix It)](https://www.mmcpa.com.au/tax-return/still-waiting-on-your-melbourne-tax-refund-7-reasons-your-return-might-be-delayed-and-how-to-fix-it/): You lodged your EOFY tax return, the ATO sent a confirmation, and then... nothing. Weeks pass. The refund tracker sits at "In progress." If this sounds familiar, you are not alone and the reason your Melbourne tax refund is taking longer than expected is almost always one of seven specific, fixable things.  - [Why Melbourne Small Business Owners Are Ditching DIY Tax & Switching to a Registered Tax Agent](https://www.mmcpa.com.au/tax/why-melbourne-small-business-owners-are-ditching-diy-tax-switching-to-a-registered-tax-agent/): That is the job of a registered tax agent. And once Melbourne business owners discover what that actually means - legally, financially, and practically, very few go back to doing it themselves.  - [10 Tax Tips for New Business Owners](https://www.mmcpa.com.au/tax/10-tax-tips-for-new-business-owners/): Whatever your business type is, whether a small café, beginning an online business from home, or venturing into a more specialised service market, your knowledge of tax requirements will prevent you from stress and money. To help you begin on the right note, below are ten practical tax tips that every new Australian entrepreneur should remember. - [Maximise Your Financial Efficiency with Expert Accounting Services in Melbourne](https://www.mmcpa.com.au/accounting-and-bookkeeping-services/maximise-your-financial-efficiency-with-expert-accounting-services-in-melbourne/): Running a business in Melbourne is both exciting and demanding. Whether you’re managing a start-up or expanding your family-run business, one thing is true for all business owners: sound financial management is critical to your long-term success. This is where the value of a professional accounting services in Melbourne becomes undeniable.  - [Expert Tips to Get the Biggest Refund from Your EOFY Tax Return This Financial Year](https://www.mmcpa.com.au/tax-return/expert-tips-to-get-the-biggest-refund-from-your-eofy-tax-return-this-financial-year/): As the financial year wraps up on 30 June, Australian taxpayers are already eyeing that sweet refund. But rushing your EOFY tax return is as risky as diving into Bondi without checking for sharks. With smart moves and legit deductions, you can maximise your payout. Whether you’re lodging yourself or working with tax accountants Melbourne like us here at MaxMargin Accountants, use these seven strategies to keep more cash in your pocket. - [Xero, MYOB or QuickBooks – What’s the Best Fit for Your Small Business?](https://www.mmcpa.com.au/general/xero-myob-or-quickbooks-whats-the-best-fit-for-your-small-business/): Running a small business in Australia is no walk in the park. Between managing clients, staff, and the occasional kangaroo on the road, the last thing you need is accounting software that adds to the chaos. Choosing the right platform—be it Xero, MYOB, or QuickBooks—can make a world of difference in streamlining your finances and keeping the ATO off your back.  - [Tax Agents for NDIS Providers – Stay Compliant and In Control](https://www.mmcpa.com.au/general/tax-agents-for-ndis-providers-stay-compliant-and-in-control/): Let’s be honest, most people don’t jump out of bed excited about tax time – unless you’re a tax agent or a real spreadsheet junkie. But for NDIS providers across Australia, it’s not just about dotting i’s and crossing t’s. Getting your tax right is a critical part of staying compliant with the National Disability Insurance Scheme and ensuring your services remain strong, trusted and, most importantly, funded. And if you think the ATO gives out gold stars for guessing – think again.  - [NDIS Accounting Support – What Every Provider Needs to Know](https://www.mmcpa.com.au/ndis-accounting-support/ndis-accounting-support-what-every-provider-needs-to-know/): Being an NDIS-registered organisation means more than delivering life-changing support — it also means staying sharp with your finances. The National Disability Insurance Scheme (NDIS) has transformed the way support services operate across Australia. That’s great news for participants, but it also raises the bar for providers when it comes to financial accountability. And not just any kind of bookkeeping — we’re talking squeaky-clean, audit-ready, NDIS-compliant financials.  - [Boost Your Tax Return – What You Might Be Missing This Year](https://www.mmcpa.com.au/tax/boost-your-tax-return-what-you-might-be-missing-this-year/): It’s that time of year again. The Bunnings sausages are sizzling, the EOFY sales are everywhere, and you’re wondering if you’ve squeezed every dollar out of your tax return. If your annual tax ritual feels like digging through your junk drawer for a receipt from three months ago – you’re not alone.  - [Smart Reasons to Hire Tax Accountants Melbourne This Financial Year](https://www.mmcpa.com.au/general/smart-reasons-to-hire-tax-accountants-melbourne-this-financial-year/): There is a kind of satisfaction to doing your own taxes until something falls through the cracks or that refund is not quite as large as you had hoped. For many business owners in Melbourne, tax time comes around with a healthy dose of fear, confusion, and crossed fingers. But what if things were different this year?  - [How to Find a Qualified Tax Accountant: Top 5 Qualifications to Look For](https://www.mmcpa.com.au/tax/how-to-find-a-qualified-tax-accountant-top-5-qualifications-to-look-for/): Taxes are complex so relying on a credible tax accountant will make a significant difference. If you're a business person wanting to make the right decisions on your taxes or you want to make the most deductions as possible, turning to a tax accountant is a smart move. But with so many options available, are there things to consider as you select the one that would work best for you?   - [Top Factors to Consider When Picking a Tax Accountant in Point Cook](https://www.mmcpa.com.au/tax/top-factors-to-consider-when-picking-a-tax-accountant-in-point-cook/): Are you struggling to organise your financial statements and tax forms the way they should? Or do you feel your financial challenges grow so large that you can’t quite solve them? - [Everything You Need to Know to Unlock Tax Savings with a Tax Accountant in Melbourne ](https://www.mmcpa.com.au/tax/everything-you-need-to-know-to-unlock-tax-savings-with-a-tax-accountant-in-melbourne/): Dealing with taxes sometimes becomes an uphill task but often, whenever you fully utilize your savings while adhering to the book of rules, it remains a laborious task. A tax accountant in Melbourne can do a lot to help bring forth hidden tax savings that perhaps you are not even aware of at all.   - [5 Tax Deductions Most People Miss and How a Melbourne Accountant Can Help](https://www.mmcpa.com.au/tax/5-tax-deductions-most-people-miss-and-how-a-melbourne-accountant-can-help/): Most of us scramble to gather receipts and documents in the hopes of putting it all together in time for tax season. Continued updates of tax law and so many potential deductions make it very easy to miss little savings here and there. Fortunately, a qualified tax accountant Melbourne can come to your rescue.  - [Expert Tips How to Overcome Tax Challenges in Melbourne](https://www.mmcpa.com.au/general/expert-tips-how-to-overcome-tax-challenges-in-melbourne/): Taxes in Melbourne can get confusing, especially for people with businesses. With regulations constantly changing and what seem like a million requirements, it could be overwhelming. But with proper knowledge and strategy, tax challenges can be manageable. Here are expert tips on tackling everyday tax challenges, hopefully making your experience less stressful. - [Small Business Accounting Tips for 2024](https://www.mmcpa.com.au/general/small-business-accounting-tips-for-2024/): The year is fast rolling to its last quarter, and you wonder whether, as a small business owner, there are some accounting tips you still need to acquire to maximize your business dealings before the year ends. Effective accounting is crucial for financial growth and health. - [What is the Family Tax benefit, and Who is Eligible for it?](https://www.mmcpa.com.au/general/what-is-the-family-tax-benefit-and-who-is-eligible-for-it/): The family tax benefit scheme of the Australian government aims to support low- and middle-income families who find it challenging to raise their children due to financial constraints. - [Can a Small Business Tax Accountant Save Your Money? Find Out How!](https://www.mmcpa.com.au/business/can-a-small-business-tax-accountant-save-your-money-find-out-how/): A professional tax accountant Melbourne will make a significant contribution and difference in your business. Here’s how a small business tax accountant Melbourne can save you resources: - [How Melbourne’s Tax Accountant Service Maximizes Your Refund](https://www.mmcpa.com.au/tax/how-melbournes-tax-accountant-service-maximizes-your-refund/): Tax season can be stressful, but with the right help, it doesn’t have to be. A professional Tax Accountant Melbourne can make a big difference in maximising your tax refund. These experts know all the latest ATO tax laws and can help you find deductions you might miss on your own. - [6 Reasons Why Bookkeeping is Vital for NDIS Providers](https://www.mmcpa.com.au/general/6-reasons-why-bookkeeping-is-vital-for-ndis-providers/): Bookkeeping is vital for NDIS providers, ensuring smooth operations and compliance with regulations. It’s the foundation that supports informed decision-making and growth. By managing finances efficiently, providers can concentrate on their core mission of assisting individuals with disabilities. - [TurboTax or Accountant: Which One Suits Your Tax Needs Best?](https://www.mmcpa.com.au/general/turbotax-or-accountant-which-one-suits-your-tax-needs-best/): Choosing the right method for preparing and filing your taxes in Australia is a critical decision affecting your financial health and peace of mind during tax season. This choice often boils down to two popular options: using a tax software program like TurboTax or hiring a professional accountant. Each approach has advantages, suited to different tax situations and personal preferences. - [7 Tax Reduction Strategies for High-Income Earners in Australia](https://www.mmcpa.com.au/tax/7-tax-reduction-strategies-for-high-income-earners-in-australia/): In Australia, high-income earners have the potential to reduce their tax liabilities through well-informed strategies significantly. This blog will introduce seven effective tax reduction techniques, each tailored to the unique financial landscape of high earners. We’ll cover a range of approaches, from intelligent property investment decisions to optimising deductions and setting up a discretionary trust. - [What Happens If You Don’t File Your Tax Return on Time?](https://www.mmcpa.com.au/tax/what-happens-if-you-dont-file-your-tax-return-on-time/): Tax season can be a stressful time, and for some, it may slip by without filing a tax return. But what are the consequences of not lodging your tax return on time? MaxMargin Accountants offers a comprehensive look at what awaits those who miss the deadline. - [5 Reasons Why Your NDIS Business Needs An Accountant](https://www.mmcpa.com.au/accounting-and-bookkeeping-services/5-reasons-why-your-ndis-business-needs-an-accountant/): 5 Reasons Why Your NDIS Business Needs An Accountant - [MYOB vs Quickbooks vs Xero: Which Accounting Software is Best for Your SMB?](https://www.mmcpa.com.au/general/myob-vs-quickbooks-vs-xero-which-accounting-software-is-best-for-your-smb/): Managing your finances effectively is crucial for your small or medium-sized business (SMB) success. With the advent of technology, numerous accounting software options are available to streamline your financial processes and make your life easier. - [How To Apply for an ABN as a Contractor?](https://www.mmcpa.com.au/general/how-to-apply-for-an-abn-as-a-contractor/): Working as a contractor offers flexibility and autonomy, making it an increasingly popular choice for professionals across various fields. If you’re venturing into contracting in Australia, one of your first essential steps is to apply for an Australian Business Number (ABN). - [Top 5 Tax Deductions for Small Businesses in Melbourne](https://www.mmcpa.com.au/general/top-5-tax-deductions-for-small-businesses-in-melbourne/): Running a small business comes with many complexities, not the least of which is navigating Australia’s tax laws and regulations. While daunting, understanding how to legally minimize your tax burden through deductions and exemptions can provide a major boost to your bottom line. - [3 Reasons to Opt for MaxMargin Accountants for Your NDIS Bookkeeping Needs](https://www.mmcpa.com.au/business/3-reasons-to-opt-for-maxmargin-accountants-for-your-ndis-bookkeeping-needs/): Navigating the financial intricacies of NDIS (National Disability Insurance Scheme) can be a challenge. Proper bookkeeping is essential for effective fund management and compliance. This is where MaxMargin Accountants step in. Our specialised services cater to your NDIS business bookkeeping needs, providing you with the peace of mind and support you deserve. - [The Hidden Puzzle of Business Finance: Current Business Liabilities Explained](https://www.mmcpa.com.au/business/the-hidden-puzzle-of-business-finance-current-business-liabilities-explained/): Unravelling the mysteries of business finance may seem like a daunting task. With terms like balance sheets, equity, accounts payable, and accruals, it’s easy to feel overwhelmed. But amongst these terms lies a critical piece of the business finance puzzle that is both crucial and intriguing – Current Business Liabilities. - [Preparing for End of Financial Year: A Checklist for Sole Traders](https://www.mmcpa.com.au/general/preparing-for-end-of-financial-year-a-checklist-for-sole-traders/): Finally, once you’ve organised all your documentation and worked out your deductions, it’s time to submit your tax return. As a sole trader, you can lodge your tax return via myTax, the ATO’s online tool, or with the help of a tax agent. Ensure you lodge your tax return on time to avoid penalties – typically, the deadline is October 31, but you might have an extended deadline if you’re lodging through a registered tax agent. - [5 Benefits of Tax Planning: As Essential Guide for Small Business Owners in Melbourne](https://www.mmcpa.com.au/general/5-benefits-of-tax-planning-as-essential-guide-for-small-business-owners-in-melbourne/): Are you a small business owner worried about how taxes might affect your profits? Don’t worry – with strategic tax planning; you can deal with the situation most effectively and improve your bottom line. - [Overcoming Seasonal Cash Flow Challenges: A Guide for Melbourne’s Small Businesses](https://www.mmcpa.com.au/general/overcoming-seasonal-cash-flow-challenges-a-guide-for-melbournes-small-businesses/): Melbourne’s small businesses, like many around the world, often face seasonal cash flow challenges that can significantly impact their financial health. Seasonal fluctuations in demand, tourism, and even weather can lead to periods of reduced revenue and heightened expenses. By understanding these challenges and implementing effective strategies, small businesses can minimize the impact of these fluctuations and maintain steady growth. In this blog post, we will discuss the common seasonal cash flow challenges faced by Melbourne’s small businesses and offer practical solutions to overcome them. - [Why Bookkeeping is Vital for the Success of Your Business in 2023](https://www.mmcpa.com.au/accounting-and-bookkeeping-services/why-bookkeeping-is-vital-for-the-success-of-your-business-in-2023/): Bookkeeping is the process of recording, organizing, and maintaining financial transactions for a business. This includes everything from tracking income and expenses to preparing financial statements and tax returns. While it may not be the most glamorous aspect of running a business, bookkeeping is absolutely essential for success. - [8 Monthly Accounting Tasks for Businesses to stay updated](https://www.mmcpa.com.au/business/8-monthly-accounting-tasks-for-businesses-to-stay-updated/): As a business owner, it’s important to stay on top of your financials. Keeping accurate records and tracking your income and expenses can help you make informed decisions and avoid potential issues with taxes and financial reporting. To help you stay organized, here are some essential monthly accounting tasks that you should prioritize: - [5 Benefits of Cloud Accounting For Small Businesses](https://www.mmcpa.com.au/general/5-benefits-of-cloud-accounting-for-small-businesses/): Digital technology has made a significant impact across sectors that result in increased efficiency, better productivity, and cost savings. The finance sector is no exception which has successfully adopted internet-based cloud accounting that simplifies business processes. - [5 Reasons Why Tax Planning is Important for Businesses](https://www.mmcpa.com.au/tax/5-reasons-why-tax-planning-is-important-for-businesses/): Tax planning is a strategy or plan that aims to minimize the amount of tax to be paid in a year on account of your income, wealth, and assets. It is the process of assessing an individual’s or business’ tax liability and reducing the tax through careful planning. It involves the implementation of certain measures that help you reduce your tax liabilities without any complications. - [7 Benefits of Hiring an Accountant for Your Small Business](https://www.mmcpa.com.au/tax/7-benefits-of-hiring-an-accountant-for-your-small-business/): An accountant in an organization is responsible for handling the budget, monitoring daily financial transactions, providing updates about expenses and income, and interpreting financial records. The owner of a small business or an entrepreneur needs to maintain, analyze, and compile financial records and get a clear idea of regular expenses to get better control over business affairs. - [Tips to combat the Economic crisis during the COVID-19 Pandemic](https://www.mmcpa.com.au/general/tips-to-combat-the-economic-crisis-during-the-covid-19-pandemic/): We understand. 2020 is one of our least favourite years right now. Nations from all over the globe are taking the necessary interventions to gear up for a significant recession period during the Covid-19 Pandemic. - [Best ways for Small Business to survive during lock-down](https://www.mmcpa.com.au/business/best-ways-for-small-business-to-survive-during-lock-down/): Innumerable business from all over the world is collapsing while coping up with the catastrophe of the coronavirus. People are quarantined, and work from home is the new norm. - [Jobkeeper Payment – What You Need to Know?](https://www.mmcpa.com.au/news/jobkeeper-payment-what-you-need-to-know/): While the whole world is grappling with the corona pandemic, its effect on the economies is now visible. Governments all over are trying to work out policies that may minimize the impact to some level. The challenges that the coronavirus has posed to different businesses are enormous – retaining the employees and paying their wages is getting increasingly difficult. - [Business Background Analysis](https://www.mmcpa.com.au/business/business-background-analysis/): Confidential business often manifests particular issues in family law settings. Usually, a single spouse retains active participation in business. Therefore, it is not only the responsibility of the spouse to manage family finance but he/she can even manage the entire business records. When a spouse endeavouring to evaluate the income or value of the business, the spouse actively engaged in business can deliberately (and religiously active) strive to get effective and comprehensive data. - [Why you need a Registered Tax Agent?](https://www.mmcpa.com.au/tax/why-you-need-a-registered-tax-agent/): TAX TIME: Should I DIY or should I hire a professional accountant and tax agent in order to accomplish my job? - [Questions to be asked before you turn your hobby into business](https://www.mmcpa.com.au/business/questions-to-be-asked-before-you-turn-your-hobby-into-business/): So your hobby is running faster than Pokémon Go! It may or may not be faster than that- but you are struggling to maintain orders with Great Auntie Sheila and Uncle Bob and are remembering about leaping into the breach and transforming your hobby into a business. So what is the difference between a business and a hobby? - [Keep Safe Online during Tax Time – Scam Alert](https://www.mmcpa.com.au/general/keep-safe-online-during-tax-time-scam-alert/): FEW IMPORTANT POINTERS BELOW SHOULD BE CONSIDERED TO STAY SAFE ONLINE - [How to accelerate cash flows with debtor financing?](https://www.mmcpa.com.au/general/how-to-accelerate-cash-flows-with-debtor-financing/): If your business is tackling the cash flow problem then you are not only one to tackle this issue. Only about 50% of small businesses in Australia are generating positive cash flows in a month. This highlights the most important questions that how businessmen clear their overheads, purchase inventory and flowing their business without taking extra debts. The answer to this important question is Debtor financing. - [Is your business growing or downsizing](https://www.mmcpa.com.au/business/is-your-business-growing-or-downsizing/): Every business established in the market are either green and growing or ripped and rotting. Where is your business now? - [Tax office launches bowler service to trace suspected business owners](https://www.mmcpa.com.au/business/tax-office-launches-bowler-service-to-trace-suspected-business-owners/): With the Whistleblower service launched by tax office on July 2019. The hotline helps the people can easily expose business owners that are suspected of operating black economy. - [How to minimise your business risk](https://www.mmcpa.com.au/business/how-to-minimise-your-business-risk/): BUSINESS STRUCTURE - [Why it is necessary to lodge an FBT returns?](https://www.mmcpa.com.au/tax/why-it-is-necessary-to-lodge-an-fbt-returns/): Fringe Benefits Tax will be imposed on the employer even if it is framed to seize the benefits enjoyed by an employee.  Even if your employment agreement permits you for any FBT returns that becomes payable to be regained from the employees, the employer will have no possibility for reimbursement. - [Six important points every employee should know about the Fringe Benefit tax](https://www.mmcpa.com.au/tax/six-important-points-every-employee-should-know-about-the-fringe-benefit-tax/): Fringe Benefits Tax a year ends on 31 March. The ATO has a responsibility to examine whether every employee is paying FBT and the amount payable is right. - [Do your Business Conscious keep you awake overnight?](https://www.mmcpa.com.au/business/do-your-business-conscious-keep-you-awake-overnight/): It is strain for entrepreneur to establish and operate business in Sydney. Administering obstructions of financial affairs, satisfying customers by attaining their requirements, prioritize employee’s capabilities to cherish them are stressful situations which can surely underestimate common man - [What your business requires to aware about single touch payroll (STP)](https://www.mmcpa.com.au/business/what-your-business-requires-to-aware-about-single-touch-payroll-stp/): Strategies used to notify wages, superannuation and other figures data conveyed to the ATO will promptly be reform via Single Touch Payroll. Prior transferring information a couple of activities are required to perform. - [Engaging the seasonal workers in small scale business](https://www.mmcpa.com.au/business/engaging-the-seasonal-workers-in-small-scale-business/): Procuring the necessity of workforce in outstretch needs productive planning over the long duration for functioning a business. Differs in the production quantity or sales number in organization may compel short term workers later. Agricultural industries where business requirement may vary in erratic weather impels recruitment of short term workers. - [Stop Misusage of Your Hard-Earned Money in Taxes](https://www.mmcpa.com.au/general/stop-misusage-of-your-hard-earned-money-in-taxes/): The Australian Taxation Office (ATO) surprised humans the previous year when it is been disclosed that a large number of investors who invested in property failed to claim capital works or plant and equipment withdrawals worth on average $2,029 and $1,139 respectively. Why does the taxpayer fail to claim during tax return? This occurs as a result of unorganized or lost receipts reported by the Australian Security and Investments Commission (ASIC). - [How is your business misspending hard work money?](https://www.mmcpa.com.au/business/how-is-your-business-misspending-hard-work-money/): World is all about earning hard money, Nobody in an entire world affords to waste a penny especially if an individual is operating Small Scale Business. Entire savings are considered while commencing business. - [Is it appropriate to transform from a sole trader to limited company?](https://www.mmcpa.com.au/business/is-it-appropriate-to-transform-from-a-sole-trader-to-limited-company/): Business is intended to grow and desires to attain its goal through huge efforts. Organisations may stumble across the needs which were boosting formerly but are no longer significant. It can be business structure, payroll system or size of commercial space. The transformation from sole trader to a limited company is not peculiar in Australia. But few things should be kept in mind before transforming - [A Key to Easy Record Keeping | Helpful in Maximum Tax Refund](https://www.mmcpa.com.au/tax/a-key-to-easy-record-keeping-helpful-in-maximum-tax-refund/): Australians lose huge chunks of money every year because they are unable to produce bills of expenses for claiming the deductions. This casual attitude toward record-keeping costs huge in terms of tax planning. - [Tax Office Blitz Bears Fruit As Workers Cut Expense Claims](https://www.mmcpa.com.au/general/tax-office-blitz-bears-fruit-as-workers-cut-expense-claims/): Since the day Australia’s tax office has come up with publicity blitz, cracking down on all incorrect claims , all the Australians have taken an extra mile to be “cautious” while claiming excessive work related discussions . - [Know the Importance of your Business | 8 Strong Reasons](https://www.mmcpa.com.au/business/know-the-importance-of-your-business-8-strong-reasons/): Every day we hear people complaining about not knowing how to plan their growth and expansion strategies, or how to know what would be the status of their business when they retire. But when these people are advised to get a business valuation done, the simple answer is, “I don’t want to sell my business, then what is the need for valuation”. This is a wrong misconception people have in mind that the business needs to be evaluated only at the time of sale. - [Small Business Owners – Tax Concessions Key (2016-17)](https://www.mmcpa.com.au/general/small-business-owners-tax-concessions-key-2016-17/): Tax planning is a step that can help boost savings. This step holds more importance for small business owners and individual traders who have limited funds. The laws have been made to facilitate tax savings and various concessions are deductions are available for the businessmen. However, the sad part is that most of the people are not aware of these available reliefs. - [Importance of choosing a Right Business Structure](https://www.mmcpa.com.au/business/importance-of-choosing-a-right-business-structure/): Business is not everyone’s cup of tea. It demands for a lot of hard work and efforts. Business structure is one thing which cannot be taken for granted as a wrong business structure could make you pay harder at tax time. Basically the tax you pay depends on your business structure only. From your personal liabilities, the amount of paper work your business has to do, the risk to your assets and liabilities to your ability to raise money is all dependent on your business structure. - [Is your small business ready for 2019?](https://www.mmcpa.com.au/accounting-and-bookkeeping-services/is-your-small-business-ready-for-2019/): With their eyes on the future we are sure all those self employed (in bigger businesses or smaller) are thinking about ways and means and tactics to make the coming year ( 2018-2019) more profitable than ever . - [What your Business need; an Accountant or a Bookkeeper, or both?](https://www.mmcpa.com.au/accounting-and-bookkeeping-services/what-your-business-need-an-accountant-or-a-bookkeeper-or-both/): While you running a business an thinking to hire an Accountant or  Bookkeeper. Its hard to make the difference between whether you need a bookkeeper or an accountant. The clear purpose is to maintain the cash-flow and keep the things in right place for your business. - [11 Things to consider while choosing a TAX ACCOUNTANT](https://www.mmcpa.com.au/general/11-things-to-consider-while-choosing-a-tax-accountant/): If you are running a reputable business in the market, we highly recommend to take some time before choosing a BEST TAX ACCOUNTANT for your business. This decision helps to secure your business from every side while in future. There are various factors and question may arise in mind before choosing a Tax Accountant nearby your suburb and local. Like most people, you’re probably not sure how to choose a tax accountant.  Here are the top 11 questions (not in priority order) we think you should ask: - [Tips to increase your Tax Refund this Financial Year](https://www.mmcpa.com.au/tax/tips-to-increase-your-tax-refund-this-financial-year/): June 30 is quickly drawing nearer, which implies there are things you ought to do soon to enhance your monetary circumstance. - [How Tax Deduction works for Car Mechanics](https://www.mmcpa.com.au/tax/how-tax-deduction-works-for-car-mechanics/): While you are working as a Mechanic or you have your own Auto Mechanic Garage Shop. There are number of ways that you are able to claim on your Personal Tax Return. Followings are the types; - [The many factors to consider when starting a business](https://www.mmcpa.com.au/general/the-many-factors-to-consider-when-starting-a-business/): It doesn’t make a difference whether a business is begun without any preparation, or any current business is bought, there are various variables that must be considered. Albeit one of the fundamental contemplations is augmenting tax cuts for the proprietors, there are different issues that must be considered. - [New Changes For GST On Residential Property – How It Could Affect You?](https://www.mmcpa.com.au/general/new-changes-for-gst-on-residential-property-how-it-could-affect-you/): – 1/eleventh of the price tag (if the edge conspire isn’t connected); or - [How to use better of Research & Development TAX incentives in SaaS and IT industries](https://www.mmcpa.com.au/general/how-to-use-better-of-research-development-tax-incentives-in-saas-and-it-industries/): Every year you should apply to enlist for the R&D Tax Incentive and the application must be held up inside 10 months of your organization’s wage year. - [Working in partnership? When refinancing, loan interest may be deductible](https://www.mmcpa.com.au/general/working-in-partnership-when-refinancing-loan-interest-may-be-deductible/): A general law partnership is framed when at least two individuals (and up to, yet close to, 20 individuals) start a new business as partners. Partnerships are by and large set up with the goal that all accomplices are similarly in charge of the administration of the business, yet each additionally has obligation for the obligations that business may bring about. - [Property sellers pay mortgage brokers, financial planners and accountants for client referrals](https://www.mmcpa.com.au/general/property-sellers-pay-mortgage-brokers-financial-planners-and-accountants-for-client-referrals/): Real estate organisations are utilising huge commissions to entice mortgage brokers, monetary organisers and bookkeepers to pitch overrated properties to clueless customers. - [Discharge on Labor’s Tax Plan](https://www.mmcpa.com.au/news/discharge-on-labors-tax-plan/): The government opposition has retreated on its change of overabundance profit ascription credits, affirming noteworthy cut outs for more seasoned customers. - [Do you want to pay less tax? Ask us how.](https://www.mmcpa.com.au/general/do-you-want-to-pay-less-tax-ask-us-how/): We suggest all the business owners to join us and have a fruitful benefit from the way we optimise tax position before 30 June. Planning to grow your business? We believe the power of tax planning and preparation can empower owners to get the most out of their business. Email us as soon as possible so we can make a time to sit down and start planning. - [A French baker is fined $4700 for working too hard](https://www.mmcpa.com.au/news/a-french-baker-is-fined-4700-for-working-too-hard/): Kid, those Europeans truly do value their occasions! To such an extent that one entrepreneur got fined €3000 euro ($4744) for not taking one. - [CBA to refund $16m to 140,000 customers, scraps insurance products](https://www.mmcpa.com.au/news/cba-to-refund-16m-to-140000-customers-scraps-insurance-products/): The Commonwealth Bank hopes to return $16 million to up to 140,000 individuals after it conceded clients were sold protection in spite of the way that they were not qualified to make claims. - [Tax vs Cash Payment (Working in Australia)- International Student Guide](https://www.mmcpa.com.au/laws-legistalation/tax-vs-cash-payment-working-in-australia-international-student-guide/): To work in Australia you require a visa that enables you to work here. You ought to likewise have a tax file number (TFN). - [Alert Tax Payers – ATO’s audit on work-related Deductions](https://www.mmcpa.com.au/news/alert-tax-payers-atos-audit-on-work-related-deductions/): The Tax Office has begun undertaking arbitrary reviews of taxpayers to show signs of improvement thought of how much cash might be owed by individuals over-guaranteeing on work costs. - [ATO’s action on Corporate Tax](https://www.mmcpa.com.au/news/atos-action-on-corporate-tax/): Late media scope has concentrated on corporate tax straightforwardness information discharged by the ATO last December. The latest informational index was for the 2015-16 salary year, and incorporates tax data for in excess of 2,000 expansive organizations working in Australia. - [Tax Return Guide for International Student in Australia 2018](https://www.mmcpa.com.au/accounting-and-bookkeeping-services/tax-return-guide-for-international-student-in-australia-2018/): You can lodge an Australian Tax Return as an International Student if you are Studying longer than 6 months. Therefore, if you are an international student, then you are eligible to pay tax on your Income at the same rate as an Australian Resident / Citizen. - [Is Business Plan Important?](https://www.mmcpa.com.au/general/is-business-plan-important/): Designing and keeping up an efficient and characterized marketable strategy is fundamental for any business paying little respect to estimate. - [Uber & Taxi rides charge $1 Tax from Thursday](https://www.mmcpa.com.au/news/uber-taxi-rides-charge-1-tax-from-thursday/): An email has been conveyed by Uber to NSW clients cautioning them about a $1 levy that will be charged from this Thursday on every ride by the State Government. This also affects the Other Ride share and Taxi Services - [PAYG System Confuses Tax Payers](https://www.mmcpa.com.au/accounting-and-bookkeeping-services/payg-system-confuses-tax-payers/): Pay As You Go, PAYG instalment framework of Tax office is tipping people without revealing to them why and without them knowing how to follow the administration, an audit has found. - [How Laws are Made – A report by ATO](https://www.mmcpa.com.au/laws-legistalation/how-laws-are-made-a-report-by-ato/): The Legislation controlled by us is made by parliament. - [Accounting and Bookkeeping Services for the Small Business](https://www.mmcpa.com.au/accounting-and-bookkeeping-services/accounting-and-bookkeeping-services-for-the-small-business/): Accounting and Bookkeeping services is the essential elements for any type of business. Keeping exact money related records is fundamental for little business achievement. Accounting includes more than following the cash coming all through the business. - [A Stress-Free Approach to Tax Returns for International Students Studying in Australia](https://www.mmcpa.com.au/general/a-stress-free-approach-to-tax-returns-for-international-students-studying-in-australia/): As an international student studying in Australia, managing your finances and understanding your tax obligations can be challenging. With so many rules and regulations to keep track of, the process of filing a tax return might seem overwhelming. Worry not! In this comprehensive guide, we’ll walk you through everything you need to know about Australian tax returns for international students, and how partnering with MaxMargin Accountants can make the process stress-free. ## Pages - [Thank You](https://www.mmcpa.com.au/thank-you/): Enquiry Submitted Thanks for submitting the enquiry form. One of our firneldy staff member will be in touch with you shortly. Visit Home - [Locations](https://www.mmcpa.com.au/locations/): Home // Tax Accountants Melbourne Tax Accountants Laverton Tax Accountants Point Cook Tax Accountants Hoppers Crossing Tax Accountants Tarneit Tax Accountants Werribee Tax Accountants Derrimut Tax Accountants Truganina Tax Accountants Seabrook Tax Accountant Wollert Tax Accountant Williams Landing Tax Accountant Wyndham Vale - [Trust](https://www.mmcpa.com.au/services/business-structuring/trust/): A trust is a flexible business structure often used for family businesses, asset protection, and tax planning. It involves a trustee managing the business and assets for the benefit of the beneficiaries. - [Company](https://www.mmcpa.com.au/services/business-structuring/company/): Setting up a company is a smart option if you're looking for a more formal business structure with limited liability. A company is a separate legal entity, meaning your personal assets are generally protected from business debts and liabilities. - [Tax Accountants Wyndham Vale](https://www.mmcpa.com.au/tax-accountants-wyndham-vale/): Providing Expert Taxation, Accounting & Business Advisory Services in Wyndham Vale & Nearby Suburbs. - [Tax Accountants Wollert](https://www.mmcpa.com.au/tax-accountants-wollert/): There is no single best answer, since the right structure depends on income, asset protection and growth plans. A tax accountant Wollert business owners trust will model the outcome before recommending a change. - [Tax Accountants Seabrook](https://www.mmcpa.com.au/tax-accountants-seabrook/): Keep more of your money at tax time. We handle your returns, bookkeeping, and business advice from one office. Our registered tax agents work with clear pricing and a maximum refund review on every return. - [Tax Accountants Truganina](https://www.mmcpa.com.au/tax-accountants-truganina/): Trusted by businesses in Truganina for accounting, taxation and business advisory services that drive long-term success. - [Tax Accountants Derrimut](https://www.mmcpa.com.au/tax-accountants-derrimut/): MaxMargin Accountants is an Accountancy Firm with registered Tax Agents and Certified Practising Accountants based in Laverton & covers most of the Western Suburbs of Melbourne including Derrimut. Our team of registered Tax Accountants in Derrimut are keen to help you with all your Taxation, Bookkeeping & Business Advisory matters. We keep focusing on providing you best in class Accounting experience under one roof. - [Tax Accountants Werribee](https://www.mmcpa.com.au/tax-accountants-werribee/): Clear advice, real deadlines met. MaxMargin Accountants supports Werribee individuals, sole traders, and small businesses with tax returns, BAS, and bookkeeping you can rely on. - [Tax Accountants Tarneit](https://www.mmcpa.com.au/tax-accountants-tarneit/): Simplify your finances with professional guidance you can rely on. - [Tax Accountants Hoppers Crossing](https://www.mmcpa.com.au/tax-accountants-hoppers-crossing/): MaxMargin Accountants is an Accountancy Firm with registered Tax Agents and Certified Practising Accountants based in Laverton & covers most of the Western Suburbs of Melbourne including Hoppers Crossing. Our team of registered Tax Accountants in Hoppers Crossing are keen to help you with all your Taxation, Bookkeeping & Business Advisory matters. We keep focusing on providing you best in class Accounting experience under one roof. - [Tax Accountants Point Cook](https://www.mmcpa.com.au/tax-accountants-point-cook/): A good tax accountant in Point Cook understands your business, not only your paperwork. MaxMargin Accountants is a registered CPA firm that helps local business owners and families lodge accurate tax returns, meet ATO deadlines, and improve their tax outcomes year after year. - [Tax Accountants Laverton](https://www.mmcpa.com.au/tax-accountants-laverton/): A tax accountant in Laverton offers a range of services to help individuals and businesses stay compliant and financially healthy. At MaxMargin Accountants, our services include: - [Tax Accountants Melbourne](https://www.mmcpa.com.au/tax-accountants-melbourne/): Looking for a reliable Tax Accountants Melbourne? We provide expert taxation, accounting, and business advisory solutions tailored to individuals, small businesses, and companies across Melbourne. As registered and experienced professionals, we ensure maximum tax refunds, full compliance, and strategic financial planning to grow your wealth. - [Terms of Service](https://www.mmcpa.com.au/terms-of-service/): The following terms and conditions govern all use of the mmcpa website and all content, services and products available at or through the website (taken together, the Website). The Website is owned and operated by MaxMargin Accountants Pyt. Ltd. (“MaxMargin Accountants”). The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, MaxMargin Accountants Privacy Policy) and procedures that may be published from time to time on this Site by MaxMargin Accountants (collectively, the “Agreement”). - [Privacy Policy](https://www.mmcpa.com.au/privacy-policy/): MaxMargin Accountants Pyt. Ltd. (“MaxMargin Accountants“) operates mmcpa and may operate other websites. It is MaxMargin Accountants policy to respect your privacy regarding any information we may collect while operating our websites. - [Contact Us](https://www.mmcpa.com.au/contact-us/): Please use any mode of communication for any enquiry or appointment booking. - [Blog](https://www.mmcpa.com.au/blog-news/): Home // - [Uber & Taxi Drivers](https://www.mmcpa.com.au/industries/uber-taxi-drivers/): Providing Taxation, Accounting and Business Advisory Services for Uber and Taxi Drivers - [Tradies](https://www.mmcpa.com.au/industries/tradies/): Providing Taxation, Accounting and Business Advisory Services for Tradies - [Property Investors](https://www.mmcpa.com.au/industries/property-investors/): Providing Taxation, Accounting and Business Advisory Services to Property Investors - [eCommerce](https://www.mmcpa.com.au/industries/ecommerce/): Providing Taxation, Accounting and Business Advisory Services for eCommerce Businesses​ - [NDIS Business](https://www.mmcpa.com.au/industries/ndis-business/): Providing Taxation, Accounting and Business Advisory Services for NDIS Business across Melbourne - [Medical Practitioner](https://www.mmcpa.com.au/industries/medical-practitioner/): Providing Taxation, Accounting and Business Advisory Services to Doctors/GPs/Medical Practitioners across Melbourne - [Small Businesses](https://www.mmcpa.com.au/industries/small-businesses/): Providing Taxation, Accounting and Business Advisory Services to Small Businesses Across Melbourne - [Gym & Personal Trainer](https://www.mmcpa.com.au/industries/gym-personal-trainer/): Providing Taxation, Accounting and Business Advisory Services to Gyms and Personal Trainers across Melbourne - [Family Day Care](https://www.mmcpa.com.au/industries/family-day-care/): While operating and running any form of business is not an easy task, Family Day Care owners have to face some unique challenges while meeting the needs of their physically demanding jobs. They need to handle the stress of working long hours and working on weekends many other tasks. - [Computer & IT Industry](https://www.mmcpa.com.au/industries/computer-it-industry/): Providing Taxation, Accounting and Business Advisory Services for Computer and IT Consultants and Companies - [Cleaner](https://www.mmcpa.com.au/industries/cleaner/): Providing Taxation, Accounting and Business Advisory Services to Professional Cleaners and Cleaning Companies across Melbourne - [Cafe & Coffee Shop](https://www.mmcpa.com.au/industries/cafe-coffee-shop/): Providing Taxation, Accounting and Business Advisory Services to Cafe & Coffee Shops - [Home Builders and Architects](https://www.mmcpa.com.au/industries/home-builder-architect/): Providing Taxation, Accounting and Business Advisory Services Across Melbourne - [Car Wash](https://www.mmcpa.com.au/industries/car-wash/): Providing Accounting, Taxation and Business Advisory Services to Car Wash Business - [Beauty Therapists](https://www.mmcpa.com.au/industries/beauty-therapist/): Providing Taxation, Accounting and Booking Services to Beauty Therapists in Melbourne - [Barber and Hair Dresser](https://www.mmcpa.com.au/industries/barber-hair-dresser/): Providing Taxation, Accounting and Business Advisory Services to Barber and Hair Dresser - [Bars and Hotels](https://www.mmcpa.com.au/industries/bar-hotel/): Providing Taxation, Accounting and Booking Services to Bars and Hotels across Melbourne - [Automotive Mechanic](https://www.mmcpa.com.au/industries/automotive-mechanic/): Providing Taxation, Accounting and Business Advisory Services to Automatic Mechanics across Melbourne - [Industries](https://www.mmcpa.com.au/industries/): Home // Industries We Serve Automotive Mechanic Bar & Hotel Barber & Hair Dresser Beauty Therapist Car Wash Home Builder & Architecture Cafe & Coffee Shop Cleaner Computer & IT Industry Family Day Care Gym & Personal Trainer Small Businesses Medical Practitioner NDIS Business eCommerce Property Investors Tradies Uber & Taxi Drivers - [Limited Partnership](https://www.mmcpa.com.au/services/business-structuring/limited-partnership/): A Limited Partnership business can avail the benefits of the company tax rate and the capital gains tax concessions of an individual in a trust. A Limited Partnership serves the following characteristics if well organised: - [Partnership](https://www.mmcpa.com.au/services/business-structuring/partnership/): It is a voluntary contract between two or more persons for undertaking a lawful business and has agreed to share the profits and losses of business. Partners are jointly and severally responsible for the company’s debts and litigations - [Sole Proprietorship](https://www.mmcpa.com.au/services/business-structuring/sole-proprietorship/): A sole proprietorship is a simplest form of business structure that is owned and operated by single individual. Entire business of sole proprietorship business can be operated under the name of its owner. Registration of business name can be done in owners own state in order to protect against violations of trade practices. - [Business Planning](https://www.mmcpa.com.au/services/business-planning/): We are very passionate about helping our clients with regards to their business structure, bookkeeping, financial planning, inventory management, cost saving initiatives etc. It is essential from a business planning perspective as a business owner Is required to consider the economic outcomes you would like to achieve from the get-go and the financial implication of steps and initiatives taken by them. - [Business Structuring](https://www.mmcpa.com.au/services/business-structuring/): Choosing a right structure for your business is vitally important from every aspect because this is the first step to be taken. We, at MaxMargin Accountants, provide best strategy, Business Planning, & Business Structuring for Business Start-up. While seeking the best corporate organization for your business, we can help you with: - [Goods & Services Tax](https://www.mmcpa.com.au/services/goods-services-tax/): The Australian taxation laws are very complex, and the GST tax system places much emphasis upon compliance and adherence deadlines. To keep in line with the latest legislative developments, our team of professional staff undertake extensive professional development to ensure both our individual clients and business owners deliver a comprehensive accounting and good & services tax. - [Accounting & Bookkeeping](https://www.mmcpa.com.au/services/accounting-bookkeeping/): We, at MaxMargin Accountants, ensure to reduce the burden of accounting and bookkeeping off the shoulders of our clients. Maintaining your books and accounts and bookkeeping is a statutory requirement by law, and also knowing your numbers and financials is very critical for any business owner.  - [Income Tax Return](https://www.mmcpa.com.au/services/income-tax-return/): As a tax specialist, we at MaxMargin Accountants use up to date information about business taxation, tax laws. Our knowledge of client’s particular circumstances assists us to provide them with specific advice and plans for tax minimisation. In addition, with the best accountants available, we organise the preparation and lodgement of income tax returns, for individuals and all types of business entities, and provide the following services in Laverton, Tarneit, Hoppers crossing, Point cook, Williams Landing, Werribee and Wyndham Vale. - [Tax Planning & Advice](https://www.mmcpa.com.au/services/tax-planning-advice/): Organising your financial affairs to give yourself the greatest tax advantage is called tax planning. Tax planning is legitimate when you do it within the letter and the spirit of tax law. 1st of July is too late to start thinking about your last year’s tax. That is why, MaxMargin Accountants, provide tax planning services to high income earners and small businesses to get your tax strategy in place as early as possible. - [Business Start-up](https://www.mmcpa.com.au/services/business-start-up/): MaxMargin Accountants guide you through the whole process of how to set up your business correctly after analysing your short term as well as long term business plans. We at MaxMargin Accountants also make sure that all the registrations with different government bodies like ASIC, Australian Tax Office are done properly so as to run your business smoothly and profitably.  - [Services](https://www.mmcpa.com.au/services/): Home // Your Service Options Business Start-up  Tax Planning & Advice  Income Tax Return  Accounting & Bookkeeping  Goods & Services Tax  Business Structuring  Business Planning - [Small Business Accountants](https://www.mmcpa.com.au/small-business-accountants/): MaxMargin Accountants is an Accountancy Firm with registered Tax Agents and Certified Practising Accountants based in Laverton & covers most of the Western Suburbs of Melbourne. Our team of registered Tax Accountants is keen to help you with all your Taxation, Bookkeeping & Business Advisory matters. We keep focusing on providing you with the best accounting experience under one roof. - [About Us](https://www.mmcpa.com.au/about-us/): How We Can Help Your Business Succeed Through - [Why Us](https://www.mmcpa.com.au/why-us/): Unlocking the power of innovation for your business. - [Home](https://www.mmcpa.com.au/): Registered Accounting Firm based in Williams Landing. ## ElementsKit items - [dynamic-content-megamenu-menuitem116](https://www.mmcpa.com.au/elementskit-content/dynamic-content-megamenu-menuitem116/): Automotive Mechanic Bar & Hotel Barber & Hair Dresser Beauty Therapist Car Wash Home Builder & Architecture Cafe & Coffee Shop Cleaner Computer & IT Industry Family Day Care Gym & Personal Trainer Small Businesses Medical Practitioner NDIS Business eCommerce Property Investors Tradies Uber & Taxi Drivers