ABF Bulletin - July 2018

VOLUME 4 ISSUE 2

Bulletin ABF

Connecting business across Australia - China

Develop your China digital strategy

B2B EXPO - SMALL BUSINESS IS BIG BUSINESS

MEMBER OF THE ABF GROUP

JOIN ABF CORPORATE CLUB 2018

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ABF Bulletin June Issue

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China Digital Conference 2018 Melbourne 21st August – Sydney 23rd August Now in the seventh year China Digital Conference 2018 (CDC) will present a major focus on the key drivers across the ecommerce platforms in China. This year’s CDC will host over sixty high profile keynote speakers from China, Asia, NZ and Australia.

CDC provides an important insight to the NEW RETAIL developments and how Australian retailers, producer’s suppliers and marketers’ can benefit from this growing new retail trend in China.

CDC will also provide an update to the latest e-commerce developments and opportunities for Australian companies.

China’s “scramble for new retail” Mark Tanner Founder China Skinny Shanghai Earlier this month JD launched its first 7FRESH, a 4,000 square metre grocery store in Beijing that follows many of the new retail concepts from Alibaba’s Hema stores. JD heralded the supermarket the first of 1,000 stores that could open in the next three to five years. Hema also plans to significantly ramp up its presence, with 2,000 stores planned over the same period.

The focus of 7FRESH is a “personal and educational” hands-on shopping experience including “magic mirrors” that sense when customers pick up a product, and display product information such as nutritional facts and origin. JD also plans to introduce smart shopping carts allowing consumers to shop hands-free, which will be particularly helpful for shoppers with kids in tow. Facial recognition allows shoppers to check out and pay using the technology, able to walk out directly with the purchases or have them delivered within 30 minutes.

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ABF Bulletin June Issue

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Marketers need to understand that the difference between the China and Australia markets is not only about the “Great Firewall” and language barriers, but more importantly, the consumer motivations and behaviours. In other words, why do they buy?

One important fact is the Chinese government’s implementation of the one-child policy in 1979.

Demographers estimate that the policy averted at least 200 million births between 1979 and 2009.

From an online marketing perspective, it is important to recognize that the majority of China’s online consumers between ages 20 to 40 are from those only-child families.

For the parents and grandparents (post-50s) of the ‘one-child’ children, having lived through The Great Leap Forward and Cultural Revolution, they consider it an imperative to improve the conditions and experience for their children. Similar to parents in post-WWII America and Europe who wanted their children to benefit from the rising global economy in the 1950s and 1960s, consumption behaviour of China’s parents reflect their desire to enhance the lives of their children, and subsequently their own lives, by providing products and opportunities that they may, in the past, have been denied.

WHAT DOES THIS MEAN TO MARKETERS? The 20 to 40 age group presents is a huge market and, unlike their elders, they are more willing to try new things, to indulge in luxury goods, are more brand conscious and more receptive to foreign ideas.

The older generation are hesitant to spend money on themselves, but are more compelled to buy for the benefit of their child/grandchild. One way to reach China’s older generation, one could argue, and as many local companies and increasingly more foreign enterprises are beginning to realise, may be by appealing to the Confucian values of respect for family elders; adopting an indirect marketing strategy.

WHY ATTEND

HOW TO ATTEND

Hear from the over sixty digital experts from Australia, China and Asia including representatives from some of China’s ecommerce giants. With the many opportunities now available for enterprises to engage with China via cross border e-commerce platforms

China Digital Conference is ideally positioned for enterprises engaged or about to enter the China market with delegates including senior management, business owners, government, industry associations and entrepreneurs.

China Digital Conference is an excellent platform and starting point with a unique opportunity to develop your China digital strategy

CDC is also well attended by digital agencies and digital departments.

Registration to attend isWWW.ABF.EVENTS now available with excellent Team 9 Tickets(3 +) and packages.

Visit www.ABF.events

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SOCIAL MEDIA

SEO E-Commerce

It is part of the growing new retail trend in China which has seen online giants shake up the bricks & mortar scape by creating richer, more convenient shopping experiences which drive significantly higher sales than traditional retail stores. Much like Alibaba’s ema, D is using big data from its 266. million shoppers to help craft the experience.

Physical stores still account for more than 0 of China’s retail overall and well over 90 of grocery sales, so JD and Alibaba’s battle for supremacy will be interesting to watch.

Unlike the pure ecommerce world, where libaba has significantly higher margins by farming out most marketing, stock holding, fulfilment and customer service to brands, in the physical world it will be operating a more full service’ model like D. hilst D’s market cap is ust one-seventh of libaba’s, it has some very powerful organisations behind it. Tencent is the largest shareholder of D, owning a fifth of the retailer. Its super-app WeChat leads China’s o2o and social media spheres, which will provide valuable data and influence to assist

in the success of 7FRESH. Tencent’s new retail grocery ambitions will also be supported by the stake it purchased in Yonghui in December, yesterday’s investment in Carrefour’s China business and aturday’s launch of its first unmanned WeChat store in Shanghai. almart the world’s largest company by revenue owns 12 of D and is likely to provide insights and support to 7FR from its wealth of retail experience including 22 years in China. It will not only help Walmart gain traction in China’s previously elusive ecommerce and new retail segments, but it will also provide plenty of learnings to roll out in its almart stores in China, and potentially to its stores in the US and globally.

In short, there is no better player than JD to take on the mighty Alibaba in the new retail game. Two hungry, data-focused, well-funded and well-oiled players, and a host of other competitors, will ensure the rate of innovation in China’s retail segment will continue to dazzle. It will also create another segment where China is likely to lead the world and possibly export its systems globally.

“New retail in China is happening, and happening fast, and brands that best understand and embrace it are most likely to succeed in the years ahead” China Digital Conference will explore this new platform in detail with industry experts.

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SEO

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E-commerce

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Develop your China Online Strategy Travel the Digital Silk Road 21st August - Melbourne 23 rd August - Sydney SEO

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AUSTRALIA CHINA BUSINESSWEEK 2018 25 OCTOBER | MELBOURNE 31 OCTOBER | SYDNEY

A

ustralia hina usiness eek (ACBW), will be presented in Australia’s major eastern cities; Melbourne-August and Sydney. Now in its tenth year, ACBW is the major annual Sino-Australia business forum series, ACBW brings together heads of industry, business owners, government agencies and thought leaders from across the Australia-China business sector.

ARE YOU READY FOR A CHINESE PARTNER ?

ENGAGE WITH CHINESE BUSINESS, DEVELOP YOUR CHINA STRATEGY

ACBW provides a forum for businesses that are already engaged, or are looking to commence their journey into the expansive China market.

Australian businesses now need to consider the paths to successfully connect in China.

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Previously, the ACBW forums have welcomed high profile speakers to deliver the annual Australia-China BusinessWeek Keynote Address including the Hon. Malcolm Turnbull MP, Prime Minister of Australia, Hon. Daniel Andrews MP, Premier of Victoria and Hon. Bob Carr former Minister for Foreign Affairs.

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China experts, entrepreneurs, industry leaders and internationally renowned keynote speakers present at across a diverse range of critical topics, including Health, Agribusiness, Tourism, Financial Services, Property and “Are you ready for a Chinese partner�. hosts a number of networking events and key forum sessions including Pathways to China Forum, Chinese Forum (presented in Mandarin), Mix at Six Networking Function, Business Matching Sessions and the ACBW Keynote Luncheon.

Pathway to China Forum is highly recommended for enterprises about to enter the China market and provides an excellent insight with case studies, panel discussions. ustralia hina usiness eek

speakers from across China Asia and Australia and provides an excellent platform to develop your China strategy.

Delegate registrations are now available at www.ABF. events.

ABF invites interested parties who wish to partner with to contact info abf.events or visit www.ABF.events

will host over sixty

CONNECTING BUSINESS ACROSS AUSTRALIA AND CHINA

25 OCTOBER, MELBOURNE & 31 OCTOBER, SYDNEY www.abfbusiness.com.au | +61 3 8689 9898 | info@abfbusiness.com.au WWW.ABF.EVENTS

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THE AUSTRALIAN BUSINESS FORUM: CORPORATE CLUB

JOIN THE CLUB

ABF Corporate Club is perfect for business’s who value the long term commitment and benefit of the ustralian hinese relationship. he lub provides an exclusive opportunity to engage and participate in the growing Sino- Australian relationship in a unique way.

03 8689 9898

Contact info@abf.events www.abf.events

ABF Corporate Club Membership is ideally placed for SME’s and Corporates who are activelyengaged or seeking to engage in the Australia China trade space, and particularly those who want to take their engagement to the next level.

The ABF Corporate Club connects Australian and Chinese business counterparts across a major national Australia-China events platform presented in both Australia and China.

The ABF Corporate Club is ideally positioned for small and mid-market enterprises, industry and business associations and government organisations, who are engaged or seeking to enter the China and Asia business sector.

Australian Business Forum (ABF) has established a unique platform which includes ABF Events, ABF Media, and usiness as well as high profile Preferred Partners.

Attend exclusive Member functions including the China Lunch Club, inbound Chinese HNW delegations, Networking & Business Matching functions.

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ABF Corporate Club ABF Corporate Club Membership is ideally suited for companies involved in, and seeking further engagement with, international business and trade between Australia and China/Asia.

Australian Business Forum has, over the last 10 years, positioned itself on the frontier of the Australia-China business space with an extensive information base and network. ABF keeps abreast of the constantly shifting trends of the Australia-China relationship with our longstanding involvement and presence across various key industries. It presents premium opportunities for members to get up to speed with China business activities and digital trends. Through the ABF Corporate

Join before 30th June and receive special membership fees lub, members will effectively reďŹ ne their China marketing strategies, whether at early-entry stage or established in the market.

ABF Corporate Club helps members to analyse and make informed public comment on relevant policy matters by providing a platform on which these issues can be discussed, explained and explored. ABF Corporate Club, members are entitled to complimentary passes, discounted prices and a variety of other benefits for ABF’s full calendar of diverse events including the annual Australia China BusinessWeek Series, China Digital Conference, China Lunch Club and B2B Expo Forum.

ABF Corporate Club members enjoy invitations to participate in a number of exclusive events with inbound delegations of high-net-worth Chinese investors and businesses seeking to invest in Australian business. ABF Corporate Club members enjoy favourable discounts.

Single and Dual City Memberships are available.

Tel 613 + 8689 9898 Email info@abforum.com.au

ABF CORPORATE CLUB JULY China Lunch Club Luncheon

AUGUST China Digital Conference

SEPTEMBER China Lunch Club Luncheon

OCTOBER Australia China Business Week

NOVEMBER China Lunch Club Luncheon

FEBRUARY ABF Lunar New Year Banquet Dinner

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PROUD SUPPORTERS OF SMALL BUSINESS 16

ABF Bulletin June Issue

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FOR SMALL BUSINESS, GETTING THE RIGHT PROFESSIONAL HELP CAN BE CRUCIAL TO BUSINESS SUCCESS As your business expands and diversifies, you’ll need to grapple with all the tax, accounting and financing issues which come with setting up your business in the first place, purchasing assets, taking out leases, and changing the business structure to accommodate growth.

So, getting a tax expert on board who can give you the advice you need is crucial.

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ABFBULLETIN BULLETIN ABF JUNEISSUE ISSUE JUNE

TOP TAX TIME TIPS FOR SMALL BUSINESS Runningaabusiness businesscan canbe bebusy busyand andatattimes timesstressful, stressful,especially especiallyatattax taxtime. time.Thankfully, Thankfully,the theATO ATOisishere heretotohelp help Running youget getorganised organisedwith withthese thesetop toptax taxtime timetips tipsfor forsmall smallbusiness businessowners. owners. you

if you usehave yourbeen car for business.

1.expenses The money must spent for your business –not a private expense.

1. The money must have been spent for your private expense.

2.business If it is for–not a mixa of business and private use, only claim the portion that is related to your 2. If it is for a mix of business and private use, only claim the business. portion that is related to your 3.business.

You must have records to prove it. Record keeping is a crucial part of any business. In addition to meeting your 3. obligations, You must have records prove it. keeping is tax having goodtorecords willRecord give you a more a crucialpicture part ofto any business.

In addition to meeting your accurate help you understand how your business obligations, having good records will give you a more istax doing accurate picture to help you understand how your business is doing Visit ato.gov/businessdeductions for more information.

Visit ato.gov/businessdeductions for more information

INCLUDE ALL INCOME INCLUDE ALL INCOME Check that you’re including all your business income in your

Considersmall smallbusiness businesstax taxconcessions concessions Consider There’saarange rangeofoftax taxconcessions concessionsthat thatcould couldhelp helpyou youatattax tax There’s time. For example, when using simplified trading stock rules, youestimate estimatethat thatthe thedifference differencebetween betweenyour youropening openingand and ififyou closingtrading tradingstock stockisis$5,000 $5,000or orless, less,you youdon’t don’tneed needtotodo do closing stocktake. aastocktake.

Small businesses who use simplified depreciation rules can takeadvantage advantageofofthe the$20,000 $20,000instant instantasset assetwrite-off. write-off.To Tobe be take abletotowrite writeoff offthe thebusiness businessportion portionininyour your2018 2018tax taxreturn return able youhave havetotobuy buyand andinstall installthe theasset assetthat thatcost costless lessthan than you $20,000by by30 30June June2018.

2018. $20,000 Findout outmore moreatatato.gov.au/concessionsataglance. ato.gov.au/concessionsataglance.

Find

Checkyour yourdeductions deductions Check Thistax taxtime, time,take takeaamoment momenttotoconsider considerdeductions deductionsyou you This areeligible eligibletotoclaim claimfor foryour yourbusiness. business.You Youcan canclaim claimmost most are expensesyou youincur incurininrunning runningyour yourbusiness businesssuch suchas asevery every expenses dayoperating operatingexpenses expensesand andbusiness businesspremises premisescosts costslike like day electricity,rent rentand andwater. water.IfIfyou youtravel travelfor foryour yourbusiness businessyou you electricity, canalso alsoclaim claimthe thecosts costsrelated relatedtotothat thattravel, travel,ininaddition additiontoto can motorvehicle vehicleexpenses expensesififyou youuse useyour yourcar carfor forbusiness. business. motor

tax return – including all your cash, EFTPOS, credit or debit Check you’re including all your business income in your card, andthat online sales.

It’s really important when you lodge tax return – including all your cash, EFTPOS, credit or debit your tax return or speak with your tax agent that you have card, and sales.you It’s really important when lodge included anyonline payments receive.

There are lotsyou of different your of taxincome return or with your tax agent that you have types youspeak may receive including: included any payments you receive. There are lots of different types of income you may receive including: - Foreign income - Personal services income - Foreign income - Income sourced through the sharing economy - Personal services income - Government payments - Income sourced through the sharing economy - Government payments

Find out more at ato.gov.au/businessincome Find out more at ato.gov.au/businessincome

STAY UP TO DATE UP TOtaxDATE ASTAY registered or BAS agent can help you with your tax.

The ATO also offers a range of services to help you stay up registered tax webinars, or BAS agent can helpand youitswith your tax. toAdate including workshops Small The ATONewsroom. also offers a range of services to help you stay up Business to date including webinars, workshops and its Small Business Newsroom.

Findout outmore moreatatato.gov.au/SBsupport ato.gov.au/SBsupport Find

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Five steps to ensure lasting data security Network security built on perimeter defences are no longer enough so businesses need to quickly identify the issues inside their networks.

Having a strong perimeter for protection is the basic foundation for network security today. However, that network border is losing its defensive barrier as businesses migrate their applications and infrastructure to the cloud, so businesses need to take a new approach.

In its recent report, 2017 State of the Hybrid Cloud, Microsoft found that 63 per cent of organisations are already using hybrid cloud environments. The result is that gaps are starting to appear in perimeter defences, which can be exploited by hackers or malware to steal information and personal data. Organisations need to focus less on perimeter defences and focus their efforts on identifying unusual user or network behaviour, which may be an early sign of a potential breach or attack.

Take these five steps to safeguard your network security: 1. Assign roles specific to new threats

2. Audit data and infrastructure

Rather than spreading responsibility across the IT department or giving an existing manager additional responsibility, organisations should put a single person or team in charge of security to ensure the security strategy is given the attention it deserves.

It’s important to know what type of data an organisation is dealing with, including policies attached to each type of data, who has access, and where workloads accessing critical data are running. It’s also crucial to document data-capture methods for compliance. An initial audit and ongoing asset discovery can provide visibility into security and compliance postures in real time. It also lets organisations identify how and where it may be vulnerable, so it can act to close gaps.

3. Create baselines

4. Monitor for abnormalities

Once an organisation understands its data profiles, it needs to capture expected behaviours. This includes aspects like who is authorised to see data, and how that access is granted or denied, all of which should be recorded and turned into a baseline of expected behaviour.

Monitoring user and network behaviour against baselines can help organisations identify anomalies which could signal a potential breach.

This could include a user downloading terabytes of data when their role doesn’t normally require them to do so, or a member of the marketing team accessing server logs. The security team can then investigate further to either stop a breach from happening or verify that the activity is legitimate.

5. Secure data Organisations need to secure their own processes and data. For example, personally-identifiable information needs to be secured through data masking to ensure security itself isn’t the weak link.

Security strategies focused on perimeter defences can no longer protect sensitive data against theft in today’s complex IT environments. Organisations need to be able to quickly identify threats and vulnerabilities inside their networks, to keep information safe.

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ABF BULLETIN JUNE ISSUE

TOP TAX DEDUCTIONS FOR SMALL BUSINESS ADVICE FROM THE ATO 1. The money must have been spent for your business (not a private expense).

2. If it is for a mix of business and private use, only claim the portion that is related to your business.

3. You must have records to prove it.

For example, you can claim a deduction for a laptop if you bought it for your business – just claim for the proportion of business use (not private use) and keep your receipt.

TAX CONCESSIONS YOU CAN CLAIM If you buy and install business assets by 30 June, and they You can claim a deduction for most costs you incur in running your small business. For example, you can generally claim the following expenses in the

cost less than $20,000 each, you can deduct the business portion in your 2018 tax return. (In the last Federal Budget, the Government proposed extending the $20,000 instant asset write-off threshold to 30 June

year you incur them:

2019. This change is not yet law.)

- advertising expenses - clothing expenses (corporate wardrobes and uniforms, protective clothing) - costs for sunglasses, sunhats and sunscreen when your business activities require outdoor work

Do you need to do a stocktake? If you estimate that the difference between your opening and closing trading stock is $5,000 or less, you don’t need to do a stocktake. Instead, you can include the same amount for your opening and closing stock in this year’s tax return.

- business premises expenses such as electricity, rent, rates and phone expenses - subscription fees to trade, business or professional associations and magazines

MY DEDUCTIONS If you’re a sole trader with simple tax affairs, you can use myDeductions in the ATO app to track your income and deductions throughout the year.

- transport and freight expenses - business travel expenses - motor vehicle expenses.

THERE ARE THREE GOLDEN RULES FOR CLAIMING YOUR BUSINESS EXPENSES:

Visit ato.gov.au/mydeductions For more information visit: ato.gov.au/businessdeductions Subscribe to the ATO’s small business newsroom. The newsroom delivers what you need to know, when you need to know it – straight into your inbox.

Visit ato.gov.au/sbnews

.

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YOUR MESSAGE IS BIGGER ON THE CIVIC MEDIA OUTDOOR NETWORK Book an ad through Civic Media and you’re tapping into one of Victoria’s largest and furthest-reaching outdoor networks. With over 400 locations, we put your message in front of more people, at the right time, in the right place.

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Digital Marketing Meets Billboards Grow Your Business With Both!

Studies show that people who have seen an outdoor marketing campaign are 17% more likely to follow up and engage with that brand on mobile.

Rather than debating whether to pool efforts and resources into digital marketing versus print advertising, it should be common practice for businesses to invest in both.

So, what exactly are the benefits?

#1 Reach With 72% of Australians travelling on roads to and from work and over 3.5 billion searches per day on Google, you’re bound to reach a more significant portion of the marketplace by using both online and offline media.

Offline media, like billboards, are great for driving traffic to your website and your other online presences. Following this, investment in digital advertising tools such as SEM (search engine marketing) and SEO (search engine optimisation) keep you on the front page of relevant searches when people are looking for information and/or are ready to buy.

Digital marketing solutions provide a means of converting the billboard-generated leads into sales.

Let’s take the example of theatre companies that use both online and billboard advertising. A customer may be driving and notice a billboard for a new stage-play. The billboard creates the call-to-action, but it’s not until that same customer searches online that they can make an actual ticket purchase through the theatre company’s website.

#3 Tracking ROI Billboards are often incredibly eye-catching, but the pitfall is that it’s near impossible to track your return on investment without using an online marketing solution.

Digital marketing tracking platforms and tracking phone numbers are arguably the only way to quantifiably determine whether your billboard is generating results for your business.

Balancing marketing efforts between online solutions and print media, like billboards, seems to be the recipe for success when it comes to increasing audience reach and analysing results by tracking the impacts of your advertising.

Want to know more? Contact: Nicole Wagenecht from ReachLocal on 0432 621 450 or Mark Buckley from Civic Guides Media on 0401 909 400.

In short, investing in both is an opportunity to cast a much wider audience net, in order to capture a greater number of people, in varying situations.

#2 Impact and Conversion 88% of people say that brands on billboards stand out to them, and 78% say that they notice outdoor advertising generally. But, how do customers follow up on information they’ve seen on a billboard?

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THE TOTAL DIGITAL MARKETING SYSTEM All your digital marketing under one roof, backed by our team of experts working as hard as you do to grow your business locally.

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BUILD YOUR PRESENCE Get found and make a lasting impression with solutions like a mobile-optimised website, strong search engine optimisation, local listings management, and social media management.

MANAGE LEADS & CUSTOMERS Manage and engage with your audience through automated tools that respond to and nurture leads. Keep track of your projects and customers in one place.

DRIVE LEADS & AWARENESS Grow your reach and get new leads with our data-driven approach to paid search, display advertising, and more.

KNOW WHAT WORKS Real-time visibility of leads, phone calls, live chats, and more to evaluate which tactics are driving results. Improve your marketing with insights and recommendations from our experts.

ABF Bulletin June Issue

Š2018 ReachLocal. All Rights Reserved. REACHLOCALŽ is a registered trademark.

reachlocal.com.au

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Smart solutions across Australia from business IT experts Tech to build your business

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We want to know your tech problems

As a full service IT management solutions provider, we’re focused on the end user of every business. Whether your IT is about boosting productivity inhouse or making life easier for your own customers, we’ll get you there.

It’s possible we’re the only IT provider to talk you out of spending more money.

Getting to know you and your business means we’re part of the team, and we care about your bottom line. We design customised, cost-effective solutions with the technology your business needs – and nothing it doesn't.

Tell us what bugs you about your IT and we’ll bring solutions.

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Part of Asia for 35 years P

ublication of ASIA2018 marked a true milestone – the beginning of our 35th year of publication.

It’s been a fascinating journey – watching Asia develop, mature, and, in the process, shift the balance of global economic and political power.

Asia will continue to offer the world’s best business opportunities and the world’s fastest-growing markets. We’ll be there, reporting on the policies and trends creating new business opportunities for those involved in cross-border trade and investment.

The nuances of geo-political developments won’t be forgotten, either, along with the occasional touch of thought leadership.

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ABF Bulletin June Issue

Back in 1983, we created Asia Today International as a credible source of market intelligence, assessing issues with potential to impact on both existing and future business - with input from business and government leaders in Asia and across the world.

We remain committed to excellence in reporting.

www.asiatodayinternational.com

Subscribe for your copies of ATI Magazine in print, daily online updates and our archives; a weekly subscriber e-brief alert; and a free online listing in our Asia Directory.

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HACKED - A GUIDE TO CYBER INSURANCE

business is done today. While technology in business has many advantages, it has opened the door to many new dangers and risks that didn’t exist before the digital era.

You may be a local business, but your reach is global the moment you’re online and at risk.

[BOOK EXCERPT] According to Ponemon Institute, the average cost an Australian business incurs with a data breach is $139 per affected record. If you had just a 1000 records (that may include customer information, vendor information, email subscribers, anyone who signed up to your website with a password), your average cost would be $139,000.

Do you have this money set aside to cover a cyber breach incident? If not, read on.

Learn more about how to protect your business with cyber insurance and grab your FREE copy of the book at: www.indagard.com.au

ABOUT THE AUTHOR

What is Cyber insurance?

Cyber Insurance is designed to help offset your costs in the event of a data breach. Like any other insurance, it’s a risk mitigation solution that allows you to transfer some of that risk to an insurer. Let’s face it; every business nowadays uses technology. Whether you sell online, or simply have your customer information on a server in a cloud, if your computer is connected to the internet, the data is at risk.

The truth is, the data you are responsible for is never 100% secure and hackers make it their mission to steal your information. Technology has massively changed the way

John Catibog is a Business Insurance Broker and the Director of Indagard Insurance Services.

With a Diploma in Insurance Broking and a Bachelor in Computer Science with Deakin University, he can help you understand, and protect against, the threats to your business in the digital age. His added knowledge in business, marketing and supply chain helps in giving you expert advice on the right cover to keep your business connected and thriving.

indagard.com.au | 0456 456 085 Small Business | Public Liability | Cyber Insurance | Professional Indemnity | Property Owners | Marine Cargo

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When It Comes To Selling Gen X And Millennials, Most Businesses Suck-diddily-uck, Flanders The face of small business is changing.

Gen X’ers and Millennials are BACK - in pog form! and account for 55% of all business owners in Australia.

They don’t wear suits. They don’t trust authority. They’re the post-punk generation. The social media generation. They believe in loyalty. They were raised on pop culture.

And here’s the truth: most businesses don’t know how to sell to them. It’s like they’re trying to convince them that they want a peanut instead of $20, when $20 can buy many peanuts. Explain how? Money can be exchanged for goods and services. Woo hooo!

At Strategic Anarchy, we deliver cromulent and embiggening, world-famous sales and marketing systems designed to speak to Gen X and Millennials in a way they get - and in a way that helps them to get you.

From the legendary Sword of Sales - our text-based video game that not only teaches about sales, but rewards players with a customised sales script - to our 8 Percent Thought Leaders program, Strategic Anarchy’s revolutionary tools are backed by 15 years of industry experience.

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ABF Bulletin June Issue

’m Leela Cosgrove. You may remember me from such bios as being a heavily tattooed and proudly outspoken Gen X /Millennial cusper, and breaking stereotypes and destroying boxes for most of my life.

An entrepreneur, speaker, Simpsons fan, and mentor, I’ve turned Strategic Anarchy into one of the Top 50 Australian fast-growth companies assisting like-minded leaders in the pursuit of their great work. See, the problem with most businesses is that they used to be with “it”, but now we’ve changed what “it” is, so what they’re were with isn’t “it” anymore, and what is “it” seems scary and strange. It’ll happen to you!

Strategic Anarchy is cutting-edge.

We’re unlike anything you’ve seen before.

And we’re ready to take your business to the next level.

Dad, what’s the point of this story? I like stories.

Be sure to see us at our exhibition booth, or visit www.strategicanarchy.com/fortune Especially if you have any idea what this article says - special prizes if you get it and have the secret code word: Purple monkey dishwasher.

ABF BULLETIN JUNE ISSUE

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6 Reasons to Start Using a Hosted PBX System Hosted PBX is the replacement technology for traditional telephone systems and delivers functionality unmatched by on-premise PBX systems. With the rollout of the NBN and other brotadband infrastructure, Australian businesses can now take advantage of this powerful and highly flexible technology.

of offices, remote sites and even overseas. And there is no need to change PBX systems or upgrade your phone lines if your business connects to the NBN.

Fully Scalable and Completely Portable

Hosted PBX is delivered as a complete service that’s always up to date with the latest software. Ongoing maintenance is limited to replacing the IP handset when and if required.

All enterprise grade features and functions are included and there is no need to purchase additional functionality.

From 1 extension to 20+, add and change the number according to your business requirements. Apart from the handsets, there is no on premise equipment. Just pick up the handsets and go. Handsets will function the same way as long as they’re connected to a suitable broadband service, even overseas.

Low Equipment Cost and Free Inter-Office Calls The cost of Hosted PBX equipment is a fraction of traditional on-premise PBX. And apart from connecting to a suitable broadband service, there is no further installation required.

Calls are free between PBX extensions, regardless of where they are in the world.

Superior Flexibility and Rapid Provisioning Make changes to the Hosted PBX configuration when required and without a technician having to visit the premises. Make immediate changes to call handling and call management functions. Rapid provisioning means any new extensions are activated and configured within hours, not days.

One System for All Sites and NBN Ready Hosted PBX extensions can be configured onto one system and used anywhere there is a suitable broadband connection. Extensions can be deployed across any number 30

ABF Bulletin June Issue

Fully Featured and Virtually No Maintenance

Complete Redundancy and Superior Reliability Being an enterprise grade system, it comes with full redundancy and a disaster management process. Automatic failover to an alternative site and immediate restoration through auto-provisioning will ensure your business stays connected. It has an uptime SLA of 99.999% and utilises some of the best technology available.

Hosted PBX comes with features, functions and pricing that outclasses any of the traditional telephone systems. If your business has access to a suitable broadband connection, then you should seriously consider upgrading soon.

For an obligation free quote please contact us on: 1300 000 100 or visit our website www.businesspbx.com.au We’ll review your current telco setup and suggest the best possible solution for your business requirements.

ABF BULLETIN JUNE ISSUE

121 Creative Cq designs Raphael’s new website

In the 2014 edition of the Louis Vuitton City Guide to Sydney, Raphael Jewellers was the only boutique jewellery brand to be included, seen in their view as the “king of bespoke jewellery”, with their store being described as recreating “the warm luxury of a European boutique of the 1900s”.

We are very proud of our recent web designs for a very unique client.

Raphael Jewellers is owned and managed by the creative brothers, Raphael and Joseph Akelian, specialising in the design and manufacture of fine jewellery. The business was established in 1989, opening its first store on the second gallery level of the iconic Strand Arcade in the heart of Sydney.

Over the past 25 years the brothers have developed enviable position as one of Australia’s leading jewellery houses, for both their ready to wear collections and their more acquired individual bespoke pieces.

Send us your briefs...

...and we’ll put our reputation on the line.

Circular Quay PH 8080 7300 121CREATIVE.COM.AU

strategy design advertising web & digital print

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Mobile Apps

The new standard for business consumer interaction

By Avanti Karve

We use our mobile phones to consume businesses like never before. But research indicates that consumers tend to turn away from the websites they find difficult to use on their phones. nlike websites, apps are specifically designed for mobile devices and have a range of device specific features that are not available on websites.

So why is it that globally, less than 4% of businesses have adopted a Mobile App.

Inhibitors to Mobile App adoption Traditionally the primary inhibitor of mobile app adoption by businesses has been price, with the typical mobile app costing anywhere between $25,000$100,000+ to develop.

When you factor in the complexity and total cost of ownership of a Mobile App, including upkeep and coverage over multiple device platforms, the numbers add up.

Enter the App Designer Recently there have been many DIY Mobile App designers introduced to the market to help alleviate the cost and minimise the complexities of App maintenance.

App designers allow you to create your Mobile App by dragging and dropping predefined visual components on to a Webpage. These are then compiled and transformed into a downloadable Mobile App.

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<4% Not all app designers are the same

Of businesses have a Mobile App

Although the App Designer concept is novel, many of them turn out to be too “gimmicky” or are actually websites masquerading as mobile apps. What’s more, most of them do not offer the full range of native features that you expect from a Mobile App.

61%

Game changers One company looking to innovate the app designer space is BoonCave, a home grown start-up with a fresh idea.

With BoonCave, not only do you get a great app designer with a full compliment of native features, but it also doubles as a business directory. All apps designed on the BoonCave platform can be searched and found, meaning that finding a business and interacting with its app is now a seamless experience.

But my favourite part is the innovative experience of finding a business on BoonCave. You simply hold up your phone to your surroundings and BoonCave will use its Augmented Reality feature to display nearby businesses through the camera on your phone. Incredible!

New Directions The introduction of affordable innovative Mobile Apps is sure to be a game changer for businesses and consumers alike. AK

Of customers turn away ro we sites the fin i fic lt to se an go instead to a competitor according to Google

40% o r online tra fic comes from mobile e ices an this fig re is rising!

FOR MORE INFORMATION BoonCave specialise in tailoring mobile solutions to your business needs and offer afordable innovative solutions .

To help understand how a Mobile App from BoonCave can benefit your business, contact the founder Janahan Seelan on booncave@gmail.com or visit www.booncave.com.au

ABF BULLETIN JUNE ISSUE

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Deposit and Trade with AUD

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ABF Bulletin June Issue

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AUD Trading CoinSpot removes the risk that can be associated with foreign exchanges & allows you to deposit and trade directly with AUD.

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WHAT IS YOUR BUSINESS’ CYBER RISK? Cyber Risk is increasing for businesses.

Businesses using the Internet for making transactions and conducting activities have never been more vulnerable.

- Does your company have a network connected to the internet or a website?

- Does your business make use of mobile devices like laptops or mobile media to transport/store data including email communications?

- Do you collect and store customer information through a CRM system?

- Do you carry on trading through an e-commerce store?

- Do you hold files with personal information of your employees?

With most business operations being conducted over the Internet, cyber risk exposures are increasing. What are your business’ first-party risk exposures and the third-party liability exposures?

First- Party Cyber Liability Exposure 1: Loss or damage to digital assets – such as data or software programs (code), resulting in expense/loss/cost incurred in restoring, updating, re-creating or replacing those digital assets to the same condition they were prior to the loss or damage.

2: Business interruption from unplanned network downtime is a major cyber risk causing interruption of service or failure of the network, resulting in loss of income/ cost of operations and/or extra cost having to be incurred in minimising loss plus forensic investigation for the network failure can hurt businesses.

3. Cyber extortion risk– attempt to extort money by threatening to damage or restrict or deny service of the network/ or access to online store, threat of release of data obtained from the network and/or attempt to communicate with the customers using social engineering tools to get hold of personal information resulting in loss of revenue/ cost of ransom paid.

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ABF Bulletin June Issue

4. Reputation damage risk – due to data protection breach becoming public and resulting in loss of customers and/or increased cost of operation.

Third-Party Cyber Liability Exposures 1. Security and privacy breaches pose a constant cyber risk – iinvestigation, defense cost and civil damages associated with security breach, transmission of malicious code, or breach of third-party /employee privacy rights or confidentiality, including failure by outsourced service provider 2. Investigation, defence cost, awards and fines for privacy breach resulting from an investigation or enforcement action by a regulator as a result of security and privacy obligation can be a costly cyber risk.

3. Customer notification expenses risk – legal, postage and advertising expenses if there is a mandatory legal or regulatory requirement to notify individuals of a cyber security or privacy breach.

4. Cyber risk associated with Multi-media liability – investigation, defence cost and civil damages arising from defamation, breach of privacy, negligence in publication of any content in electronic or print media, as well as infringement of the intellectual property of a third party.

5. Loss of third party data – liability for damage to or corruption / loss of third-party data or information, payment of compensation to customers for denial of access, failure software, data errors and system security failure.

A cyber attack can cripple a business of any size. By planning in advance and purchasing a cyber insurance policy, businesses can minimize their risks, costs, and the impact of a cyber attack on their reputation and brand.

To learn how a Cyber/Data Breach Insurance policy can help you be prepared for a cyber attack, network security, or data breach event email: info@dataprivacyinsurance or call Cyber Data-Risk Managers Pty Ltd 03 8640 0962.

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Proud Supports of Small Business For small and medium enterprises, getting the right professional help can be crucial to business success. As your business expands and diversifies, you ll need to grapple with all the tax, accounting and financing issues which come with setting up your business in the first place, purchasing assets, taking out leases, and changing the business structure to accommodate growth. So, getting a tax expert on board who can give you the advice you need is crucial.

Working with a tax and accounting expert, such as H&R Block, means you can ensure your tax and accounting obligations are under control leaving you free to focus on your number one priority – building a successful business.

Day-to-day-tasks: Whether the business has 20 transactions or 500 transactions a month, it may be worth looking into outsourcing your bookkeeping function. Getting help leaves you with more time to get on with running your business and allows you to get a better view of how well your business is performing financially.

Grants for Growth:

Growing pains:

Small business owners should aim to take full advantage of specifically designed programs to enhance your own business. There are specific business grants available for SME sized businesses. H&R Block proudly offers the Grants for Growth program.

As businesses grow and change, it’s possible that their structure will evolve too. Many new businesses start out as sole traders or partnerships of individuals but as they grow, the owners may look to incorporate or introduce a trust into their structure. Whatever the reason for change, the problem has been that changing the business structure could trigger unwanted tax liabilities. Tax law has traditionally regarded a change in structure as a change in ownership. And, as a general rule where there is a change in a ownership, there is capital gains tax bill. Getting professional help can ensure that your business restructure happens tax free.

If you need advice on the best structure for your growing business (and the potential tax implications of changing) talk to your account or tax adviser.

H&R Block Proudly Supporting Small Business: stablished in , lock ustralia is the leading tax firm of tax accountants in ustralia, preparing over , tax returns annually across more than offices. ead uartered in ydney, the company works with tax consultants and uses the latest technology to prepare all types of tax returns, including individual, sole trader, partnership, trust, SMSF and company returns. Our tax consultants offer additional services specifically for small business owners to keep finances streamlined.

Block can help manage your cash flow with professional bookkeeping and BAS services and we can provide the tax advice you need to ensure your business is getting the best possible tax outcome for the present and for the future, wherever your business plan takes you.

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Simplicity is Key:

Small Business Accounting Made Easy

Understanding your accounting needs as a small business operator can feel like a daunting task, particularly when you are starting out. Often the key to success is simplicity.

Business owners deal day in and day out with a variety of issues, all of which can take up valuable time.

Implementing some effective, easy and streamlined processes to support your bookkeeping practices might be your best investment yet.

Cashflow Manager was born to partner with business owners and provide you with the support you need, in a simple, fuss-free fashion that you can rely on. This means you can spend time focusing on the things that really matter.

and accounting professionals see great value in accounting efficiency.

Judith Roberts of Julan Soft Furnishing comments on just that, and “recommends Cashflow Manager because it’s a very simple system. Anybody can operate it. It can be adjusted for any business and finding out how your business is going is so easy with the report system.”

Like hundreds of thousands of other customers Judith benefits from the simplicity of ashflow anager and en oys a host of benefits such as ongoing updates on tax compliance and free telephone support whenever she needs it.

The software is easy to implement and learn, and allows users to jump right in and begin managing costs straight away with a simple and intuitive interface. Inbuilt GST calculation and features such as Single Touch Payroll (STP), which will be mandatory for businesses with more than 20 employees from 1 July 2018, are also great advantages to ensuring you meet your reporting needs.

While simplicity is certainly key, the software is not light on with capability and offers a range of features which have been developed with the requirements of business accounting in mind. Whether you are an SME, a start-up or a micro business, you are able to select the right Cashflow Manager product for your needs.

Whether it’s invoicing, running reports, or simply reconciling your costs (money in and money out), clients

At Cashflow Manager, simplicity is key. Do the research to find out which process is right for you and take the hassle out of your day by investing in a partner you can rely on.

Simplicity you can count on

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JuneIssue Issue ABF Bulletin May

SYDNEY - ISSUE 74 | JULY - AUGUST 2015

GWP Magazine

Directors Vulnerable to Untrustworthy Advisors

The Psychology of Flawed Leadership

– IT’S MINE TO DEAL WITH ISN’T IT? Page 22

Mental Health and Leadership – Lessons from the Front Line Page 24

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PSYCHOLOGICAL ‘SECRETS’ TO SPOT GEM EMPLOYEES AND SIFT OUT THE REST!

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DELETING THE

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BEKIR KILIC

Believe in What You’re doing...

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The Concept of Outsourcing Page 28

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7 Key Legal Business Musts

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SYDNEY - ISSUE 80 | JULY - AUGUST 2016

LEGAL STRUCTURING. IT IS ALL IN THE FOUNDATIONS

Page 16

BANKRUPTCY AND THE FAMILY HOME

ABF BULLETIN JUNE ISSUE

SYDNEY - ISSUE 82 | NOVEMBER - DECEMBER 2016

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INCREASE Visibility, Credibility & Brand LEADERSHIP:

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Top 10 Questions to Ask Yourself Before Buying a Franchise?

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THE LADY’S NOT FOR GIVING UP BiziNet Magazine

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SYDNEY - ISSUE #89 | 2018

SYDNEY - ISSUE #90 | 2018

Special Edition CEBIT AUSTRALIA 2018 CONFERENCE PROGRAM ANNOUNCED PAGE 16

CORPORATE INSOLVENCY STATISTICS – DOES DANGER LIE BENEATH? PAGE 18

FREE ELECTRICITY, IS IT REALLY POSSIBLE? PAGE 30

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THE STRONG ARM OF SMALL BUSINESS BiziNet Magazine

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