Navigating the R&D Tax Incentive for Tech Startups
Has anyone used Waterford Accountants for R&D tax claims? I’m worried our software development doesn't meet the ATO's 'Core Activity' definition.
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Meeting Spaces Group
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Can TENS Help with Migraines?
Has anyone used a TENS device specifically for migraines or tension headaches? Where did you place the electrodes, and did it reduce intensity or frequency of attacks? I’m curious whether it works preventively or only once pain has already started.
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Reydan Rey
Feb 19
I’ve tried using a TENS device for tension headaches, and while results varied, I did notice some relief when placing electrodes near the temples or at the base of the neck. It didn’t completely prevent migraines, but it sometimes reduced intensity once pain had started. Some users report better outcomes with consistent use, though it’s not a guaranteed preventive tool. In the middle of my research, I came across tensmachines , which highlighted electrode placement as crucial. Overall, it can be a helpful complementary option, but effectiveness depends on individual response.
Where can I find health advice?
I always start out super motivated when I decide to live healthier — new workout plan, new diet goals, more sleep — but after a few weeks it’s so easy to fall back into old habits. I know consistency is key, but I struggle with maintaining momentum over time.
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Andrew Zarudnyi
Feb 04
I totally understand — consistency is often the hardest part of any health journey. What helped me was realizing that healthy living isn’t about perfection, it’s about building sustainable, enjoyable habits. I learned a lot from a site I found that explains this very well drjohnreed . They cover the psychology of habit change, how small routines stack up over time, and ways to keep your wellness goals realistic and flexible so you don’t get discouraged when life gets busy. It shifted my mindset from “all or nothing” to “progress over perfection,” and honestly that made a world of difference.
Investment Property Daydreamer
Is 'using your equity' a real financial strategy, or is it just something people say at fancy dinner parties to sound smart? I’ve been looking at mortgage brokers to see if I can buy an investment property without actually having another $100k in cash sitting under my mattress. Does a broker actually find a way to make the numbers work, or am I just setting myself up to live in a cardboard box? Asking for a friend who really wants to retire before they're 95.
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Reydan Rey
Feb 03
“Using your equity” is actually a real and widely used strategy, not just dinner-party finance talk. If your current property has grown in value, that equity can sometimes be leveraged as security for an investment loan, reducing the need for huge cash savings. A good mortgage broker brisbane helps stress-test the numbers, structure loans correctly, and check serviceability so you’re not overextending yourself. It’s not a free lunch, but when done properly, it’s a strategic tool—not a shortcut to cardboard-box living.
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I haven’t personally done an R&D claim with them, but I did ask around and a few people I know have used Financial Services for R&D tax work. They seemed to understand the ATO’s requirements and helped structure documentation so the activities clearly aligned with eligibility criteria — not just ticking boxes, but explaining how the work met definitions like core and supporting R&D. If you’re unsure about whether your software development qualifies, it’s worth getting a specialist involved sooner rather than later to avoid wasted effort or a rejected claim.