44ad

i know that professionals  are not eligible to opt section 44AD presumtive taxation and file ITR-4S instread of ITR-4.

i need clarification whether following incomes/clients are eligible to opt for sec 44AD assuming that their turnover is less than the limit for tax audit.

1. lic agent  ( commission income so cannot opt for 44AD)
2. civil contractor with material ( can opt)
3. civil contractor (only labour)( can opt)
4. estate agents ( no commission income)
5. tax consultants (  bcoz , its a consulting charges )
6. beauty parlour ( yes)
7. interior decorator (no fin act 2011)
8. accounting charges received

 whether i am correct or not ?