Our November Newsletter features articles on the below topics:   Christmas and tax – for business owners Reducing your tax bill while topping up your super Division 296 tax revisited – for super balances over $3 million Home equity access scheme (HEAS) - for older Australians Renting your holiday home - key tax rules Using your home to produce income     Click here to download our November Newsletter   Contact us on 03 9597 9966 if you have any questions relating to matters raised in any of our Client Newsletters.