https://myprm.com.au/blog/Guides for Brisbane business owners from PRM.en-auhttps://myprm.com.au/blog/company-vs-trust-structure/https://myprm.com.au/blog/company-vs-trust-structure/Fri, 23 Oct 2026 07:00:00 +1000Sole trader, partnership, company or trust? How each structure handles tax, liability and growth, and when to review your structure. General information.https://myprm.com.au/blog/contractor-or-employee/https://myprm.com.au/blog/contractor-or-employee/Fri, 23 Oct 2026 07:00:00 +1000How to work out whether a worker is a contractor or employee, why an ABN doesn’t decide it, and the super guarantee rule for contractors paid mainly for labour.https://myprm.com.au/blog/director-penalty-notices/https://myprm.com.au/blog/director-penalty-notices/Fri, 23 Oct 2026 07:00:00 +1000Directors can be personally liable for unpaid PAYG withholding, GST and super guarantee. How director penalty notices work and how to avoid one.https://myprm.com.au/blog/division-7a-loans-2026-27/https://myprm.com.au/blog/division-7a-loans-2026-27/Fri, 23 Oct 2026 07:00:00 +1000Taking money out of your company? How Division 7A works, the 8.77% benchmark interest rate for 2026–27, minimum repayments and how to avoid a deemed dividend.https://myprm.com.au/blog/equipment-and-truck-finance/https://myprm.com.au/blog/equipment-and-truck-finance/Fri, 23 Oct 2026 07:00:00 +1000Chattel mortgage, finance lease, hire purchase or cash? How equipment and truck finance options differ on GST, ownership and tax for Australian businesses.https://myprm.com.au/blog/gst-progress-claims-retentions/https://myprm.com.au/blog/gst-progress-claims-retentions/Fri, 23 Oct 2026 07:00:00 +1000How GST works on construction progress claims, retentions and variations, and how your accounting basis (cash or accrual) changes when you pay it.https://myprm.com.au/blog/gst-registration-and-bas-cycles/https://myprm.com.au/blog/gst-registration-and-bas-cycles/Fri, 23 Oct 2026 07:00:00 +1000When you must register for GST ($75,000 turnover), when BAS must be monthly ($20 million), and choosing a reporting cycle that helps cash flow.https://myprm.com.au/blog/job-costing-for-builders/https://myprm.com.au/blog/job-costing-for-builders/Fri, 23 Oct 2026 07:00:00 +1000How to set up job costing in Xero or MYOB so you see profit per job, not just one revenue line. Tracking, WIP, variations and reviewing quoted vs actual.https://myprm.com.au/blog/month-end-close-checklist/https://myprm.com.au/blog/month-end-close-checklist/Fri, 23 Oct 2026 07:00:00 +1000A practical month-end checklist for owner-run businesses: bank recs, debtors, WIP, GST, super, payroll and a one-page report you’ll actually read.https://myprm.com.au/blog/payday-super-for-employers/https://myprm.com.au/blog/payday-super-for-employers/Fri, 23 Oct 2026 07:00:00 +1000From 1 July 2026 employers pay super guarantee with each pay. What changed, how it affects cash flow for construction and trade businesses, and a set-up checklist.https://myprm.com.au/blog/pool-builders-cash-flow-seasonality/https://myprm.com.au/blog/pool-builders-cash-flow-seasonality/Fri, 23 Oct 2026 07:00:00 +1000Pool builders face seasonal demand, big deposits and long build times. A practical cash flow plan for pool and landscape businesses in South East Queensland.https://myprm.com.au/blog/pricing-markup-vs-margin/https://myprm.com.au/blog/pricing-markup-vs-margin/Fri, 23 Oct 2026 07:00:00 +1000The difference between markup and margin, a quick conversion table, and how to price jobs for overheads, payroll tax and super. For construction and trades.https://myprm.com.au/blog/qbcc-annual-reporting-checklist/https://myprm.com.au/blog/qbcc-annual-reporting-checklist/Fri, 23 Oct 2026 07:00:00 +1000QBCC annual financial reporting: who must lodge, the 31 December and 31 March due dates, and a checklist so renewal isn’t a scramble.https://myprm.com.au/blog/qbcc-minimum-financial-requirements/https://myprm.com.au/blog/qbcc-minimum-financial-requirements/Fri, 23 Oct 2026 07:00:00 +1000QBCC minimum financial requirements in plain English: net tangible assets, current ratio of 1, maximum revenue categories and what triggers an MFR report.https://myprm.com.au/blog/queensland-payroll-tax-2026/https://myprm.com.au/blog/queensland-payroll-tax-2026/Fri, 23 Oct 2026 07:00:00 +1000Queensland payroll tax in 2026: the $1.3 million threshold, 4.75% and 4.95% rates, grouping, registration at $25,000 a week, and the mental health levy.https://myprm.com.au/blog/security-of-payment-queensland/https://myprm.com.au/blog/security-of-payment-queensland/Fri, 23 Oct 2026 07:00:00 +1000An overview of Queensland’s security of payment rules for construction: payment claims, payment schedules, adjudication and trust account obligations.https://myprm.com.au/blog/single-touch-payroll-basics/https://myprm.com.au/blog/single-touch-payroll-basics/Fri, 23 Oct 2026 07:00:00 +1000What Single Touch Payroll is, what you report each pay, finalisation by 14 July, and common STP mistakes in trade businesses.https://myprm.com.au/blog/tpar-for-builders-and-trades/https://myprm.com.au/blog/tpar-for-builders-and-trades/Fri, 23 Oct 2026 07:00:00 +1000Who has to lodge a taxable payments annual report, what to include for contractor payments, and the 28 August deadline. For builders and trades.https://myprm.com.au/blog/what-is-a-financial-health-check/https://myprm.com.au/blog/what-is-a-financial-health-check/Fri, 23 Oct 2026 07:00:00 +1000What happens in a free 15-minute Financial Health Check with PRM: income, tax, the business, mortgage, insurance and super, and what you get after.https://myprm.com.au/blog/13-week-cash-flow-forecast/https://myprm.com.au/blog/13-week-cash-flow-forecast/Thu, 15 Oct 2026 07:00:00 +1000How to build a rolling 13-week cash flow forecast in a spreadsheet, what to include (BAS, PAYG, super, tax) and how to use it to avoid cash crunches.https://myprm.com.au/blog/buying-a-car-through-your-business-tax/https://myprm.com.au/blog/buying-a-car-through-your-business-tax/Thu, 15 Oct 2026 07:00:00 +1000The 2026–27 car limit ($69,883), business-use percentage, GST credits, FBT and why a car purchase alone rarely fixes a big tax bill. Plain English for…https://myprm.com.au/blog/fractional-cfo-brisbane-what-it-costs/https://myprm.com.au/blog/fractional-cfo-brisbane-what-it-costs/Thu, 15 Oct 2026 07:00:00 +1000What a fractional CFO in Brisbane does, what you get, and what it typically costs an owner-run business, explained in plain English.https://myprm.com.au/blog/how-much-tax-to-set-aside-small-business/https://myprm.com.au/blog/how-much-tax-to-set-aside-small-business/Thu, 15 Oct 2026 07:00:00 +1000How much tax a small business should set aside from each sale, how to work it out, and simple habits that stop a surprise ATO bill.https://myprm.com.au/blog/owe-the-ato-what-to-do/https://myprm.com.au/blog/owe-the-ato-what-to-do/Thu, 15 Oct 2026 07:00:00 +1000Owe the ATO money? The options small business owners have, from payment plans to talking to the ATO early, and what to avoid.https://myprm.com.au/blog/tax-planning-before-30-june-checklist/https://myprm.com.au/blog/tax-planning-before-30-june-checklist/Thu, 15 Oct 2026 07:00:00 +1000Start tax planning in March, not June. A plain-English checklist: estimate profit, review structure, super, assets, debtors and records before 30 June.https://myprm.com.au/blog/cash-flow-and-bas-habits/https://myprm.com.au/blog/cash-flow-and-bas-habits/Mon, 12 Oct 2026 07:00:00 +1000Simple weekly and monthly habits for Australian business owners: a tax account, BAS due dates, reconciling and record keeping, with ATO sources.https://myprm.com.au/blog/instant-asset-write-off-2026-27/https://myprm.com.au/blog/instant-asset-write-off-2026-27/Mon, 12 Oct 2026 07:00:00 +1000The ATO’s $20,000 instant asset write-off is now permanent for small businesses under $10M. How it works, who it applies to and the common mistakes.https://myprm.com.au/blog/small-business-tax-concessions-under-10-million/https://myprm.com.au/blog/small-business-tax-concessions-under-10-million/Mon, 12 Oct 2026 07:00:00 +1000Which ATO small business concessions open up under $10M, $5M and $2M aggregated turnover, and the questions to ask your accountant before 30 June.https://myprm.com.au/blog/when-to-bring-in-a-fractional-cfo/https://myprm.com.au/blog/when-to-bring-in-a-fractional-cfo/Mon, 12 Oct 2026 07:00:00 +1000What a fractional (part-time) CFO does, the signs a $500k–$2M business is ready for one, and how it differs from your accountant and bookkeeper.