B2B in Canberra July 2010 (Issue 50)

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PUBLISHER I editor Tim Benson Liz Lang editorial@b2bincanberra.com.au 02 6161 2751

B2B in canberra business and government magazine july 2010 issue 50

published by Man Bites Dog Public Relations ABN 30 932 483 322 PO Box 4106 Ainslie ACT 2602 t 02 6161 2751 f 02 6262 7721 b2b@b2bincanberra.com.au www.b2bincanberra.com.au DESIGN www.voodoocreative.com.au photography www.art-atelier.com.au PRINTED BY Blue Star Print Group distributed BY Fairfax

contents

ADVERTISING ENQUIRIES Tim Benson 0402 900 402 Michael Inacio 0459 024 368 advertising@b2bincanberra.com.au

EVERY month 06

UPFRONT Read about local business success Donate to Vinnies CEO Sleepout until end of July Give your business operations the edge you’ve been looking for Soothe aching muscles at Woden Integrated Physiotherapy clinic Queanbeyan’s ‘Yes’ to people with mental illness

10 OPINION Hear from people in the know Remember the three Ps – Process, Process, Process, Juliette Ford, Consensus Family Lawyers

ISSN 1833-8232

20 CULTURE

LEGAL NOTICE

Page Break Short story by Monica Carroll

Arts, sports, and charities Alastair Swayn: ACT Government Architect

Man Bites Dog Public Relations (‘MBD’) owns the copyright in this publication. Except for any fair dealing as permitted by the Copyright Act 1968 (Cwth), no part of this publication may be reproduced without the prior written permission of MBD. MBD has been careful in preparing this publication, however: it is not able to, and does not warrant that the publication is free from errors and omissions; and it is not able to verify, and has not verified the accuracy of the information and opinions contained or expressed in, or which may be conveyed to readers by any advertisement or other publication content. MBD advises that it accepts all contributed material and advertisements contained in this publication in good faith, and relies on various warranties and permissions provided to it by the persons who contribute material and/or place advertisements. Those warranties and permissions include that neither the material and/or advertisements are misleading, deceptive or defamatory, and that their use, adaptation or publication does not infringe the rights of any third party, or any relevant laws. Further, MBD notifies readers that it does not, nor should it be understood to endorse, adopt, approve or otherwise associate MBD with any representations made in contributions and/or advertisements contained in the publication.

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features 12 ENTERPRISE CONNECT Canberra business takes the creative route to the top 14 NEW HEAD FOR Canberra Grammar School Introducing Dr Justin Garrick 16 kELTON cONSTRUCTIONS Giving you exactly what you want... on time...on budget...guaranteed 18 COVER STORY To buy or not to buy? the property investment question

2Business 36

A2B: Associations to Business Canberra Business Council CollabIT ACT & Region Chamber of Commerce & Industry Chamber of Women in Business ACT Exporters' Network

45 U2B: Universities to Business The University of Canberra

24 ADVICE Advice from business experts Accounting Banking Business coaching Business training Corporate governance Estate planning Human resources Information technology Safety Websites 34 HOT TOPIC Our political leaders views on the issue of the day Topic: The future of Canberra’s CBD 46 NETWORKING See who’s out and about in Canberra

Cover photo: Left to right, Andrew Sykes, RSM Bird Cameron and Neil Loveday, Ray White Canberra Photography: Andrew Sikorski

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July 2010 | B2B in Canberra

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B2B in Canberra | July 2010

5

"Before you can really start setting financial goals, you need to determine where you stand financially."

David Bach, Personal finance author

Donate to Vinnies CEO Sleepout until end of July

Y

ou have until the end of July to donate to the Canberra Vinnies CEO Sleepout.

It’s a great cause with all of the money raised being spent in the Canberra region to address the issue of homelessness.

111 CEOs (including B2B Publisher Tim Benson) slept out in the Australian Garden of

upfront

Dreams at the National Museum of Australia on 17 June and have so far raised almost $350,000 for the St Vincent de Paul Society.

Canberra CEOs experienced the harshest weather conditions of all the participating cities in the Vinnie’s CEO Sleepout with temperatures as low as 1°c and gale force winds.

“The cold wasn’t a factor for me. It was much like international travel in economy class,” joked Carrie Graf, Canberra Capitals Coach, “But I was lucky enough to rug up. Not many of the homeless people in Canberra and across Australia would be rugged up for this weather.”

The 111 participating CEOs arrived at the National Museum of Australia on Thursday evening L-R: Tim Benson, Andrew Sykes, Tim Hyde, Frank Lopilato and Rod Drury bringing nothing but

a sleeping bag. They were provided with three pieces of cardboard and a bowl of soup. A panel of speakers, including a couple of Vinnie’s clients who used to sleep rough every night, discussed the issues surrounding homelessness, culminating in a charity auction to raise more funds.

“It took me a while to get to sleep,” said Andrew Sayers, the new director of the National Museum of Australia, “But as I was desperately trying to keep warm, all I could think about was how people have to go through this night after night – even children. It got me thinking.”

“For every one CEO who participated in the Vinnies CEO Sleepout, there was one Canberran sleeping out in the harsh, cold weather,” said Bob Wilson, CEO of St Vincent de Paul Society Canberra/Goulburn Central Council, “The only difference is that when the CEOs got up and went to work, they had something to look forward to for the day; our homeless people don’t have much to look forward to, and they would be sleeping rough again that night, and for many other nights to come.”

Canberra participants have so far raised almost $350,000, and will be continuing to raise funds until the cut-off date of 30 July 2010.

To sponsor a CEO or make a donation, please visit www.ceosleepout.org.au.

Give your business operations the edge you’ve been looking for

D

o you often wonder why some businesses flourish and can seem to do no wrong while others struggle every step of the way?

According to 10X Canberra South business coach, Darleen Barton, it is because the flourishing businesses have invested in their business operations, performance and staff.

Kingston-based Bolin Accountants partnered with 10X earlier this year to bring the successful group business coaching model to Canberra South business owners. 10X also operates in Brisbane, Melbourne, Sydney, Adelaide, Hobart, Perth and in many locations in New Zealand.

“10X is designed to help business owners increase the revenue and profitability of their businesses – and assist them with strategies that over time will also improve their quality of life,” Darleen said.

Darleen explained that most people will begin their 10X journey by participating in the free Boardroom Edge sessions. As many as 17 businesses can participate in the half-day Boardroom Edge sessions which are held either in the morning or afternoons. Strategies are covered to help businesses operate in better, faster and more effective ways.

These include creating lasting change, building trust with clients, doing more with less, marketing

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July 2010 | B2B in Canberra

L-R: Mitchell Falzon , Annie Barton, Darleen Barton, Felicity Raeside, Carl Falzon, Tim Benson, Derek Gillet, Heidi McCoullongh, Arran Curll, Tony Friend and Samantha Andrewartha

excellence and how to gain a competitive advantage. The free introduction to 10X includes a follow-up business coaching session.

“I also hold a one-on-one consultation with the businesses that attend the Boardroom Edge. As part of this session, I undertake an analysis of how healthy their business is," Darleen said.

The Boardroom Edge is designed for small to medium business owners with up to a $12 million portfolio. Other 10X Canberra South services available include the Coaching Club, 10X Performance Planner, and the interactive tutorialbased 10X Business School.

Darleen stresses that 10X is also of great

benefit to new business owners who may be considering how best to market their business and which strategies to use.

“For example, a new business may be considering doing a letterbox drop. But the return for a letterbox drop in Canberra is less than 0.1 per cent so I would work with the business on other more effective strategies to market their business.”

A small business owner herself, Darleen believes, “If you develop the people in the business, the business comes along for the ride.”

Contact: Darleen Barton 1300 855 109 or Wayne Bolin 02 6295 9800, www.10x.com.au or visit Unit 3/ 71 Leichhardt St, Kingston.

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"The fact is, everyone is in sales. Whatever area you work in, you do have clients and you do need to sell."

Jay Abraham, Marketing expert

Soothe aching muscles at Woden Integrated Physiotherapy clinic

L

upfront

ocated just across the road from the Woden Plaza, Woden Integrated Physiotherapy clinic offers an improved range of services and facilities for new and existing clients needing physiotherapy care for aching bodies.

Woden Integrated Physiotherapy is the result of the merger of two successful practices: Corinna Physiotherapy and Southside Physiotherapy Fyshwick.

Director Liz Abbott ran Corinna Physiotherapy Centre for eleven years and has been with her current business partner for two years. Liz is now joined by two partners from Southside Physiotherapy Fyshwick.

“We wanted to stay in our existing premises at Corinna Chambers because of the quality of the facilities and convenience of its location.

Many of our clients walk here from work without having to move their cars,” Liz said.

Woden Integrated Physiotherapy has renovated its clinic to enable the practice to offer a greater range of services to clients. Clinic rooms are three times larger than they were previously and a gym area is now available.

The merger will also enable Woden Integrated Physiotherapy to employ a broader range of physiotherapists.

“With our increased capacity and range of knowledge and experience with them,” facilities, we will be able to provide services Martin said. for almost any injured person requiring physiWoden Integrated Physiotherapy is located otherapy assistance who walks through our at Corinna Chambers, Corner of Brewer and door,” Liz said.

Corinna Streets, Woden. T: 6282 5010.

The clinic looks after treatment areas such Business hours: 7 am – 6-7 pm Monday – Friday as women’s health, hip pain, chronic pain, and Saturday by appointment. For further inforTMJ disorder, pre-and-post orthopaedic sur- mation email: info@wodenintegrated.com.au gical, whiplash, workplace injuries, sports and spinal injuries.

On a professional development level, the increased size of the practice provides greater possibilities for the sharing of expertise.

“With increased staffing, if someone goes away to a course then they will be able to come back and teach everyone else what they have learnt."

"It also means that we are able to spend time guiding younger Photo: David Byrnes graduates and sharMartin Pogson and Liz Abbott of Woden Integrated Physiotherapy ing our professional

Queanbeyan’s ‘Yes’ to people with mental illness

A

fter nearly five years of planning and hard work, HOME in Queanbeyan hosted its official opening on 1 July.

HOME is a residential facility with 20 self-contained, one-bedroom apartments (18 long-term care and 2 respite care). It will provide 24 hour supported accommodation for our most vulnerable citizens.

HOME patron, former Governor-General Sir William Deane ‘cut the ribbon’, and Australian of the Year, Prof Pat McGorry delivered the keynote address.

“The provision of long-term, supported accommodation for the chronically mentally ill

who are presently unable to live with the basic dignity to which every human being is entitled is not simply a ‘good idea’. It is an absolute must,” The Honourable Sir William Deane said.

“The opening was a wonderful community event,” HOME Co-chair, Fr Peter Day said, “We’re thrilled to be finally in a position to offer a safe and loving home for some of our most vulnerable and neglected citizens.”

According to Fr Peter, HOME is the first of its kind in Australia and is a wonderful example of a local community offering national leadership in a cause that is not very ‘sexy’.

Photo: Michael Inacio L-R Tony Carey, Brian Brown, Jayson Hinder, Anne Pratt, Sir William Deane and Father Peter Day

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July 2010 | B2B in Canberra

“Simply put, HOME will seek to gently and persistently walk alongside its residents, helping them to live active and meaningful lives in their community,” Fr Peter said.

The local business community, various foundations and trusts, Australian Government and NSW Government and the Queanbeyan Anglican Church are all responsible for coming together to ensure that HOME has become a reality. The local Wanniassa and Calwell Bendigo Bendigo Banks have also donated $50,000 to HOME over the next five years.

“We are very pleased to be able to support this much needed local facility and services for people with chronic mental illnesses,” Jayson Hinder, chairman of Wanniassa and Calwell Bendigo Community Banks, said.

“We would like to congratulate the governments, businesses and people that have come together to make this facility a reality,” Jayson said.

“Importantly, HOME is a community initiative, one in which the citizens of Queanbeyan (with strong support from Canberrans) have had the courage to say, “Enough is enough. No more”, to the plight of people too often left to fend for themselves; isolated and alone,” Fr Peter said.

More information: www.homeinqueanbeyan.org

B2B in Canberra | July 2010

9

OPINION: Consensus family lawyers Opinion

Remember the three Ps – process, process, process.

A fair division of property and arrangements for the care and support of children that work are the goals that most separating couples have and hope to achieve in their settlement.

By Juliette Ford, Director, Consensus Family Lawyers

T

he process that is used to achieve those goals will have an enormous impact on not only what the settlement looks like at the end of the day, but also how the separating couple and their children feel about it.

If you find a process that fits you, works with what you value, and suits your needs then you will be more likely to reach a settlement that also does all those things. Because it is so important the process which will be used to achieve a settlement should not be the thing which is discussed last, once your rights and entitlements have been explained to you, it should be first. To do it the other way around is like walking out your front door to go to Paris, without knowing how to get there. Instead, the question to ask is ‘Where do I want to end up, and how do I want to get there?’.

If you want a fight, and to have another person determine what should happen, then there is one process for you – court. If you want to reach agreement and feel good about it (or as good about it as possible), because you have had control, and you have had your needs addressed, then there are many processes to choose from.

So, what are the options?

Collaboration Collaboration has been written about in this column before. The essence of the process is that each party engages a lawyer, and that the separating couple and the lawyers all sign a contract stating that they will not go to court. This means that the lawyers are engaged to help the couple reach agreement, in a way that meets their values, and if the lawyers cannot do this, and the parties want to go to court, the lawyers must bow out.

Everyone in the process puts their money where their mouth is, and works together to come up with solutions which meet what the couple (and their children) want and need.

Cooperative negotiation Many lawyers see this as an alternative to collaboration. In this process, no contract is

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July 2010 | B2B in Canberra

sidelines and help with advice where needed or may be involved in the process too.

Mediation Mediation is usually conducted by someone trained in helping reaching agreement, but without the specialisation and knowledge of family law. Mediators cannot give advice, and do not work as lawyers. Lawyers are rarely involved in the process and the parties must put their own arguments and present their own views to the other.

This process is good for people who have an equal understanding of the law, their rights and their situation, and who are both equally able to discuss difficult isIf you want to reach agreement and feel sues. Lawyers can give the parties advice both before a mediation good about it (or as good about it as to help them understand their possible), because you have had control, entitlements.

Standard negotiation and you have had your needs addressed, This is the process that is most used, and has been used since the then there are many processes to choose from. start of the legal profession. Each party has a lawyer who negotitheir cards and if agreement is not reached, then ates with the other party’s lawyer in letter, by telthose cards can be used against them in court. It ephone and based on the general principle of ask also means that lawyers will get paid regardless for far more that you know you’re entitled to and of whether settlement is reached or whether lit- work backwards from there. Each party points igation follows. It is a process which people can out to the other the flaws in their case hoping enter into while saying that they are committed that the other party will cave. In the background, to reaching agreement, but with their proverbial the court looms and threats of court cases and fingers crossed behind their backs. applications are made whenever one party won’t Facilitation agree to what the other party wants. This process This is mediation with a trained family lawyer. can work, and often does. However, people often Rather than being engaged to give one person feel that they have given in and given up, rather legal advice, the lawyer is brought in to help two than have been given what they really want. people reach agreement. The lawyer cannot give Different people will suit different processes. legal advice, but as they understand and are expe- At Consensus Family Lawyers we specialise in rienced in family law they bring a realistic perspec- collaboration, facilitation and out of court solutive to negotiations in terms of what may or may tions. We put our money where our mouth is not be achievable, and they use their skills to help and work with you and with your ex-partner to the couple come up with solutions that work for reach agreement.

For an out of court solution, contact them. The parties in this process are free to have independent legal advisors who may sit on the Consensus Family Lawyers. signed and the parties are free to go to court without changing lawyers. This process can use face-to-face meetings to try to reach agreement, just as collaboration does. The big difference is that the rules that apply in collaboration, and which ensure that everyone must be committed to reaching agreement do not apply. Although this process can seem like a good compromise between the formality of collaboration and the contract it requires and being able to reach agreement at the kitchen table, it has big risks. Parties can be tempted to show all

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FEATURE

Canberra business takes the creative route to the top Canberra-based businesses are now reaping the benefits of their association with an innovative Australian Government business advisory program called Enterprise Connect.

E

nterprise Connect works to boost the capabilities of small to medium sized businesses across a broad spectrum of industry sectors by helping them to improve their business processes, test new products and find new markets. The services are delivered by a team of around 100 highly skilled Business Advisers located across Australia.

Bearcage Productions is an established Canberra business that decided to invite Enterprise Connect in for a business health check.

In consultation with Business Adviser, Dominic Dolan, Bearcage’s Michael Tear undertook a Business Review to look at how it could establish a cost-efficient, growth driven business model. Dominic’s relevant industry background and senior management experience meant he could offer a combination of relevant strategic and practical advice.

With Dominic’s guidance, Bearcage reviewed its business structure, benchmarked its operations, defined key issues facing the business and highlighted the business outcomes that needed to be achieved.

The overall outcome of the Business Review was the establishment of a new business structure. This change has led to the business forecasting a doubling of profit over the next 15-18 months.

“In today’s market you need to be equipped to drive sustainable business growth” says Dominic. “A successful company, striving to be an employer of choice, not only minimises resourcing costs but it also improves business productivity.”

Enterprise Connect services are available to eligible businesses involved in manufacturing, manufacturingrelated services, defence, mining technology, clean energy and creative industries.

To learn more about Enterprise Connect, check eligibility and, to apply on line for a Business Review, visit the website at www.enterpriseconnect.gov.au.

Alternatively you can call the Enterprise Connect hotline on 131 791.

Photos: Bearcage Productions in action

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July 2010 | B2B in Canberra

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Phone +61 2 6282 9500 | Fax +61 2 6282 9200 | www.beamesandassociates.com.au B2B in Canberra | July 2010

13

Introducing Dr Justin Garrick... feature FEature

New Head of Canberra Grammar School

At 37 years of age, Dr Justin Garrick BA, MEd, PhD, MBA has been appointed to head-up Canberra Grammar, a school which has a long and proud history.

A

s an accomplished educator, it’s expected that Dr Garrick will lead an educational renewal at Canberra Grammar School which will best prepare students to succeed in a rapidly-changing and increasingly international environment.

Announcing the appointment, Canberra Grammar School Board Chairman, Mark Baker said the Board was excited about securing a candidate with such intellect, experience and energy.

Currently, Dr Garrick is Deputy Head (Academic) at Wellington College in the United Kingdom where he has achieved impressive educational outcomes for the school over a seven year period.

“Justin has led Wellington’s academic turnaround to become a first division school in the UK, an exceptional achievement for a non-selective school,” Mr Baker said.

Born and bred in Sydney, Justin Garrick completed his HSC at Sydney Grammar School. After finishing his Arts Degree with First Class Honours in English Literature at the University of Sydney, he returned to Sydney Grammar for three years as an English teacher. During this time he completed a Master of Education at the University of New England. In 1998, Justin travelled to the UK where he taught at St Paul’s School, London, before taking a PhD scholarship to Cambridge. He then taught at Oundle School.

Justin’s educational achievements also include a Masters in Business Administration from the University of London, where he focused on financial management and educational leadership. His dissertation was on achieving sustainable school improvement.

The Canberra Grammar School Board led an extensive recruitment process to appoint the new Headmaster which included consultation with the Grammar School community in 2009, national and international advertising, and a rigorous round of candidate interviews.

Commenting on Dr Garrick’s appointment, Mr Baker said, ”Justin’s outstanding qualities were evident at every stage of an exhaustive recruitment process, which culminated in observing him in his current role as Deputy Head (Academic) at Wellington College in the UK and meeting with colleagues, students and parents at the school.”

“We were particularly impressed with the strong relationships we observed between Justin and the staff and students at Wellington. Everyone we met commented on his warmth and ability to consult, listen and be supportive, yet at the same time establish clearly defined directions,” he said.

Mr Baker said of particular benefit to Canberra Grammar School would be Dr Garrick’s familiarity with international educational trends, in particular national curriculum and school benchmarking

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July 2010 | B2B in Canberra

(which have been established in the UK for more than a decade) as similar systems are introduced in Australia.

“Importantly, Justin’s educational philosophy aligns perfectly with that of Canberra Grammar in being focused on each individual student’s progress. He believes strongly in the need for a holistic education and at Wellington regularly attends sporting matches, coaches tennis, is engaged in activities such as debating and is passionate about the importance of the school music program,” he said.

Dr Garrick will take-up his appointment at the beginning of next year. Speaking from the UK, he said he looked forward to returning to Australia and to joining what was obviously a vibrant and committed school community.

“The sense of aspiration that I have felt at Canberra Grammar is tremendous, whether that is expressed in sport, the arts or in its academic ambitions. It's obviously a School that values the potential of every student, and that's the most important thing to me as a teacher.

“The School is ideally placed to play a major role in Australia's educational culture but, more important than that, its experienced staff and unique location mean that its students clearly have every opportunity to realise their potential as leaders of our future,” Dr Garrick said.

Justin is married to Dharini, an independent IT and business consultant.

Early childhood learning at Canberra Grammar School Give your child a great start in life Do you want to give your child a great start in life at a school where the focus is on early childhood learning and development?

T

hen come and experience what Canberra Grammar School has to offer at its forthcoming Early Childhood Open Days on Saturday 31 July and Thursday 2 September.

Canberra Grammar School has been providing an early childhood education program for boys and girls (up to Year Three) for more than forty years. Its teachers are early childhood experts who are dedicated to the education, development and care of young children. Children

are recognised and valued as unique individuals who have an extraordinary capacity for learning and exploring the world around them.

Combined with strong early literacy and numeracy learning programs, students at Canberra Grammar School take part in a broad range of regular activities including music, physical education, library and visual arts.

Children can also participate in extra-curricular activities including chess, dance and creative movement, French, and Mandarin.

The School’s early childhood education program is available at two locations – Northside Infants School in Campbell and at the main Canberra Grammar School campus in Red Hill which includes a purpose-built and designed Early Learning Centre. Both early childhood campuses are welcoming, creative, and colourful environments where children can make friends, and have fun, as they embark on their learning journeys.

For more information: Canberra Grammar School Registrar T: 6260 9744 or E: enrolments@cgs.act.edu.au

OPEN DAY

CANBERRA GRAMMAR SCHOOL

EARLY CHILDHOOD Laying strong foundations www.cgs.act.edu.au

Saturday 31 July 10am-12pm Thursday 2 September 11am-1pm Northside: 33 Blamey Crescent, Campbell, ACT 2612 Southside: 15 Alexander Street, Red Hill, ACT 2603 To arrange a visit please contact the Registrar 02 6260 9744 | enrolments@cgs.act.edu.au

C G S A A D  B S   B2B in Canberra | July 2010

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KeltonConstructions feature

Givingyouexactlywhatyouwant… ontime…onbudget…guaranteed Have you ever heard of a builder that will give you: a fixed price contract; a cash-back guarantee your project will be delivered on time and a five-year guarantee on materials and workmanship? Kelton Constructions does.

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K

elton Constructions is a local family-owned company that has specalised in quality extensions and home remodelling for more than 20 years.

Offering a complete construction service incorporating: design; approval; construction and management, Kelton Constructions will see your home remodel or extension right through from concept to occupancy.

“We take pleasure in the quality of our work and our many satisfied clients are testimony to our professionalism, attention to detail and service,” proprietor Anthony Sutton said.

Kelton Constructions has built its reputation and growth on meeting the needs of customers in the Canberra and Queanbeyan urban areas and nearby rural holdings.

“Our values of honesty, respect and trust are reflected in all dealings with our clients, employees, tradespeople and suppliers.

This is why we are prepared to guarantee our work and give as much peace of mind to clients as possible,” Anthony said.

A true family business, Anthony, his wife Janet, and their three children, Laura, Chantelle and Kelvin all work in the business. In fact the business name ‘Kelton’ comes from a combination of ‘Kelvin’ and ‘Tony’.

Anthony says when they started the business they mainly did smaller projects such as bathroom renovations, deck and pergolas.

Twenty years on Kelton Constructions now concentrates on larger projects such as creating parent retreats, improved family areas, home expansions and whole home remodelling.

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July 2010 | B2B in Canberra

According to Anthony many people are looking to create a separate space to accommodate their children or parents in their home that can be converted to useable living space once they are gone. There are also those that want to upgrade and add value to their homes.

“We also adhere to environmentally sustainable criteria throughout all our building processes but our Be Green service takes this commitment to the next level,” Anthony said.

Through Kelton Constructions’ Be Green service the following design focus points can make a big difference: • Orientation – Face the sun, not the street • Water – Reuse, recycle & reduce • Insulation • Window glazing options • Heating and cooling • Energy efficient light fittings & appliances • Interior finishes – paint, flooring etc.

“Having larger eaves and window shading, waste water for garden use, skylights to bring in natural light, and using light coloured roof materials can also be incorporated into the design for a more sustainable home,” Anthony said.

Kelton Constructions has undergone substantial growth in the past ten years. In 2004 they built their own office and warehouse in Queanbeyan on previously purchased land.

“This was a good move for us as it gave us our own space for administration and to meet clients, and a warehouse to store clients’

“Kelton Constructions takes pleasure in the quality of their work and is prepared to make guarantees other builders do not. ”

goods, such as ovens, toilets and vanities, so they don’t risk getting damaged on site,” Anthony said.

Kelton Constructions takes pleasure in the quality of their work and is prepared to make guarantees other builders do not, such as a fixed price contract, a cash-back guaranteed completion date and a five-year warranty on materials and workmanship.

“We aim to take the stress out of what can be a difficult time for clients.

A fixed price means exactly that, the price will not change unless the client makes changes,” Anthony said.

The building trade is very well known for unforeseen costs, including unsuspected variations, creeping into the cost of a project and substantially increasing the cost to clients.

“We put all the costs upfront and are therefore usually initially more expensive than other building companies. If someone wants quick and cheap work then we are probably not for them,” Anthony said.

Kelton Constructions also offers a comprehensive free onsite or office based consultation to ascertain what is feasible and what can be achieved within a budget.

“This can save clients considerable time and money of going to an architect or designer for an initial consultation,” Anthony said, “We can undertake all of the building process. A client can be involved in their project as little or as much as their time or desire allows them.”

This means that Kelton Constructions has the capacity to design and draft your project, get all the paperwork completed to have the work approved and undertake the work.

“Canberra has sustained itself during the downturn. We are fortunate to have the stability of the public service and a lot of Baby Boomers that will want to prepare their homes for retirement,” Anthony said, “The home is generally the largest asset for many people in Canberra and we are passionate about ensuring that we maximise the value of their homes.”

Kelton Constructions is dedicated to achieving results that are what you want.

If you are considering extending or remodelling your home, and want a builder you can trust, then Kelton Constructions is for you.

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after

Contact Kelton Constructions for an obligation free appointment and appraisal on your home improvement.

Phone: 02 6299 3622, Fax: 02 6299 4833 Email: email@keltonconstructions.com.au www.keltonconstructions.com.au.

B2B in Canberra | July 2010

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cover story

To buy or not to buy? the property investment question

Would you like insight into the information that accountants, real estate agents and property professionals use to assess and make their own investment property decisions?

O

Andrew Sykes RSM Bird Cameron Level 1, 103-105 Northbourne Avenue, Canberra Phone (02) 6217 0300 www.rsmi.com.au

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July 2010 | B2B in Canberra

ne of Canberra's leading accounting firms, RSM Bird Cameron has joined forces with Ray White Real Estate to present a seminar which will provide you with tools to assist you make the best property investment decisions you can.

In 2008, Ray White Canberra managing director Doug O’Mara and Neil Loveday, owner of LJ Hooker Woden discussed acquisition and expansion options with Andrew Sykes, director with the accountancy firm RSM Bird Cameron. The result was a merger between the two real estate businesses to form the only real estate firm in Canberra which offers body corporate, commercial, strata and residential sales and property management services under one roof.

This move created the fastest growing real estate brand in Canberra.

B2B spoke with Andrew and Neil about their experience in the property market and why they are keen to share their knowledge on how to make good judgements and informed decisions to achieve maximum potential and positive results from investment choices.

Neil explained that some of the most commonly asked questions from potential property buyers are: Why is the vendor selling?

How long has the property been on the market? What else do you have at this price? How much do you think it will sell for?

Often these initial questions do not address in enough depth how to assess a property for growth and rental over the long term, especially with regard to cash flow management. Neil would recommend firstly sitting down and discussing with the buyer what their long terms plans are and then considering where to find quality information about properties, demographics, location and rental potential.

Neil will also provide tips on other important features to consider such as body corporate and property cycles. He will speak about current market forecasts such as those from the RP Data-Rismark index.

These figures from June showed that average city property prices are up by 0.6 per cent for the month of May and that the Australian real estate market is moving towards more sustainable growth.

The B2B Business Seminar 5: Professionals Guide to Property aims to dispel common myths about identifying property hotspots and finding bargains. Andrew and Neil will explain the tools that can be used to identify if a property is really 'cheap' or not and how to compare properties and locations in an objective way.

Andrew commented that many potential buyers think that investing in property is something they 'should' do, yet they haven't properly considered the potential for growth that could be generated across their business or other assets.

At the seminar, Andrew will examine what negative gearing really means and how to develop a sustainable portfolio of properties

including the possibility of leveraging trusts and other investment structures. Andrew believes that it's possible for everyone to gain a basic understanding of the financial mathematics of property.

He will also focus on some simple formulas for judging property investment decisions and how to avoid common mistakes.

Andrew’s focus is on creating strategies to help investors learn how to purchase property that will put money in their pockets.

“One of the first things property investors ask about is negative gearing. We don’t call it negative gearing – we call it losing money.

For us, the focus is on getting properties to be cashflow positive and maximising tax advantages to help investors do this,” Andrew says.

"Sometimes this is as simple as using the economic cycle or demographic analysis to help time purchase decisions. For other purchases, it can be looking at financing methods and non-cash taxation advantages."

There are lots of different type of property deals available to investors and lots of properties on the market. Neil has come up with some rules that will help create an effective purchasing strategy. He will also share how to maximise the value that a property is sold for.

According to Neil, “Many investors forget that real estate is a market, created by buyers and sellers. It’s how these two see value that ends up creating price. The way you manage the expectations of both sides can often be the difference in getting the price you want.”

Neil Loveday is director of Residential Sales and Property Management at Ray White Canberra. He believes that a successful real estate agent must have a passion for people and must strive to meet an individual's needs and requirements. Neil has extremely high ethical standards, and believes this is a strong contributing factor as to why he receives so much repeat business from his past clients.

Andrew Sykes is director of the Business Solutions Division with RSM Bird Cameron, a role in which he manages large business consulting assignments and is responsible for providing clients with high level financial advice and strategic initiatives. He is a chartered accountant with 19 years experience in advising on taxation and financial affairs and he offers specialist services in compliance with government regulatory authorities for all types of enterprises. This includes advising on income tax, GST, land tax and stamp duty.

According to Andrew and Neil, this seminar is not offering to expose any 'property secrets' nor sell any high price courses. Their aim is to provide an insight into what professionals do. The plus for investors in attending this seminar is that they will gain knowledge about how to to avoid many of the common mistakes made in purchasing real estate.

“

Andrew and Neil will explain the tools that can be used to identify if a property is really 'cheap' or not and how to compare properties and locations in an objective way.

B2B Business Seminar 5 Professionals Guide to Property Wednesday 8 September 2010 at the James Fairfax Theatre, National Gallery of Australia, Parkes Place. Andrew and Neil will present from 6-7pm and there will be a chance to network over drinks and canapés from 7-8pm.

Register Now: Complete the form on page 21 or email: b2bbusinessseminars@b2bincanberra.com for more information.

”

Neil Loveday Ray White Canberra Address 17-23 Townshend Street, Phillip Phone 02 6162 0681 www.rwcanberra.com.au

Photography: Andrew Sikorski B2B in Canberra | July 2010

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159 is enough

by Monica Carroll

Need a break from the world of business?

Take a few minutes to read this story from Canberra writer, Monica Carroll

Anxiety #137 Leaving lip-stick on my glass then drinking from a different spot each sip until I’m left with the embarrassment of more make-up on my stem-ware than my face.

Anxiety #142 That all my anxieties are insanely, extremely, pathetically trivial. And that is all I am. The moment had arrived. The prawn platter was a scattering of tails and stray whiskers. The Macarena, Nut Bush and Time Warp had been drunkenly danced by those so inclined. Bill felt fuzzy with table-wine and bravado. Lydia was leaning against the bar. Her cheeks flushed and her belly pressing the roundness of a big lunch into her fitted skirt. Bill focussed on her ankles to walk a straight line.

“Lyd,” said Bill approaching. She turned to him, “Mr Clickety click,” she smiled. “Wha?” Lydia pressed an imaginary pen top with her thumb, “Mr Sign-Your-Life-Away.”

Bill laughed and dove in the deep end, “Wanna?” he said flapping an elbow to the dance-floor.

Lydia hooked her arm into his, “Lead on.”

The parquetry square was a jostle of drunken moves and Christmas jewellery flashes. Lydia and Bill stumbled into each other, laughing.

“I’ve always…,” said Bill taking her hand and placing his warm palm on her waist. She felt soft and curved and right.

“Me too,” she said dropping a hand on his shoulder. It felt bigger than it looked under the pressed plackets of his business shirt. The small of her back tingled under his touch. Lydia noticed feelings; excitement, quivering, anticipation.

Anxiety #158 I am unlovable. The song became another. They stepped back from each other not wanting to but knowing they should.

“This is crazy,” she said. Bill leaned towards her, whispering, “Are you scared?”

Lydia nodded, her hair brushing his cheek. “I have anxiety,” she said.

Anxiety #159 to #9999999999999999999 !

This is a mistake !

“It’ll be okay,” said Bill, giving her the strength to lead them through the gossip and jealousies awaiting them Monday morning.

Lydia decided to end it before it began.

“How many fears should one person have Bill?”

He looked into her eyes and realised this was the first test. Before the first kiss, the first fight, the first gift, he must pass the first test.

Tilting his head Bill squinted into the pulsing gels of the overhead disco rig. Thinking.

“159,” he said.

The worry twisting her forehead faded. Bill had passed.

Anxiety #159 I am loved.

July 2010 | B2B in Canberra

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July 2010 | B2B in Canberra

20

ill found his feet walking to Lydia’s office with another piece of not-so-important paper. It felt strange to see her hunched over a keyboard behind the silent glass of an office wall; they’d spent years beside each other on the floor. Desk buddies. Her promotion had left not only an empty desk beside him but a gnawing space inside him.

B Anxiety #7 One day I will walk into work and someone will point and say, Hey what’s she doing here? She’s faking. Hey! Everybody! Bill swerved to avoid walking under the holly hanging in the corridor. Decorations, a rash of reindeer neck-ties and giving trees, all meant one thing to Bill; Office Christmas Party. Office Christmas parties were Bill’s worst part of December.

Anxiety #34 Having something stuck to my clothes. I threw away my favourite cream trousers after that day with chocolate stuck on the thigh-bum crease. Sometimes, if I close my eyes I still feel the gooey weight of it even though I didn’t know it was there until later.

“I just need, um,” said Bill holding up a D3 Form as he shuffled and pen clicked in Lydia’s doorway.

“Just a signature Bill?” said Lydia.

Click click. Bill wondered if Lydia had always sounded so authoritative. So in control.

“Come in.” Click click. Bill stumbled in, losing himself in the space of Lydia’s domain. He looked at the series of coloured trays; none marked In. Click click. Bill noticed his body odour and coffee breath. Lydia looking up, smiling.

Clickety click click. “I can sign it now, Bill.”

Anxiety #57 I host the bacteria of life. Under fingernails, in the grain of my elbows, scalp, nostrils. I am an incubator for invisible creatures that thrive below the microscope.

Anxiety #57A So long as I think like this I will continue to attract bacteria men. Click click. Bill opened the departmental email titled Workplace Functions and Ethical Behaviour. He read with hope that the party might be cancelled or postponed until he was on leave, “With Christmas approaching and the anticipated increase in workplace functions, Management would like to remind all staff of the requirement for ethical behaviour…

Bill dreaded the hum of office gossip and cheap wine. The music with the too old DJ spinning too old tunes. The buffet of economical food presented on economical trays. Bill added one more detail. Lydia.

Anxiety #99 Someone will find this list and read it. Party day. The first thing Bill noticed as he entered the heartily decorated function-room was the platter of shelled prawns. Shelled! The second thing he noticed was Lydia. Sitting at a Management table flanked by the stuffiness of Executive. She looked vulnerable, soft. Bill, caught in the sweep of feet, arrived at the bar and accepted both his complimentary beer-or-bottom-shelf drinks at once. Happiness was his as he walked to his table, an icy beige tower beginning to bead in each hand.

culture

Page break

B2B Business Seminar 5 Professionals Guide to Property Would you like insight into the information that accountants, real estate agents and property professionals use to assess and make their own investment property decisions?

Yes? Then Register Now. Hear presentations by Andrew Sykes, RSM Bird Cameron and Neil Loveday, Ray White Canberra Complete the form below or email: b2bbusinessseminars@b2bincanberra.com for more information.

REGISTRATION FORM B2B Business Seminar 5: Professionals Guide to Property, Wednesday 8 September 2010, James Fairfax Theatre, National Gallery of Australia, Parkes Place. The Seminar commences at 6pm sharp.

Name(s) of attendees 1.

2.

3.

4.

Company name Email address

Telephone

Payment details (please tick one)

Mastercard

Visa card

Total amount (AUD $20 per person including GST) Credit card number _ _ _ _ /_ _ _ _ / _ _ _ _ / _ _ _ _ Name of card holder

$20

$40

$60

$80

Expiry date _ _ / _ _ Signature

Please return form and payment details to: b2bbusinessseminars@b2bincanberra.com OR B2B in Canberra, PO Box 4106 Ainslie ACT 2602

culture

Alastair Swayn

ACT Government Architect

by Liz Lang, B2B Editor

A

lastair Swayn is mindful of the large responsibility that lies ahead of him when he begins his three year term as the ACT’s first Government Architect on 1 August this year.

“I am conscious that any decision I make about a building, or any advice that I provide to government, is going to have to stand the test of time,” Alastair says. “The question that I’ll be constantly asking myself is, ‘What will people say about this building, or Canberra’s architecture in general, in 50 or 100 years time?”

One of the nation’s leaders in sustainable design and director in charge of the Daryl Jackson Alastair Swayn Canberra office since 1981, Swayn and his team have consistently undertaken award-winning architectural projects for universities and research organisations such as CSIRO, as well as the design of commercial buildings at Brindabella Business Park at the Canberra Airport.

Primarily funded by the University of Canberra as part of its contribution to Canberra’s Centenary celebrations, and through a unique partnership with the ACT Government, Alastair Swayn will provide leadership and strategic advice to the ACT Government and its agencies on architecture and urban design. The position of ACT Government Architect is part-time.

Swayn has also been appointed as a Professorial Fellow in Architecture at the University of Canberra and will share his skills and expertise with budding student architects.

He is keen to engender a sense of pride in Canberra’s architecture and to promote Canberra as a ‘city of design’ through his government and university roles.

“I think Canberra can achieve the ‘city of design’ mantle as we have a heritage of very good buildings and architecture. It is a question of making people aware of their surrounds and further developing some civic pride,” he said. “I think there is a Canberra psyche, and we are all guilty of it to some extent, where we don’t outwardly celebrate the positives of our city including its architecture.”

“If you go to other cities in the world such as Chicago or even Palm Springs, a town of 300,000 people in California, that has a fine array of 1950s housing, you are able to visit the local tourist

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authority, pick up a guide book, and then go on a walking tour of the local architecture. This is exactly what I would like to see happen in Canberra – for Canberrans to be proud of their buildings and architecture and happily promote this fact to visitors, and for architectural walking tours to be available.”

Swayn refers to the new Gallery of Australian Design on the lake’s edge, formerly the National Portrait Gallery, which is being promoted by the University of Canberra, the Institute of Architects, and the National Museum of Australia, and is sponsored by his company.

“I would like to see the gallery become a centre for architectural tourism in Canberra where people can pick up information and explore the built environment. The gallery is in a wonderful location and the right setting for a future museum of design.”

When asked what he has in his sights during his first weeks as ACT Government Architect, Alastair diplomatically responds that he will first need to receive briefings and read through background materials. But he does indicate that Civic will be the ‘first cab off the rank’ for his review.

“Civic needs a lot of tender loving care,” he says “London Circuit is our main civic boulevard which requires a lot of attention – as do the main public buildings on it and the open spaces surrounding it.

“If you looked at other cities in the world with comparable boulevards, London Circuit should be a reasonably ceremonial street. As part of the advisory role of the ACT Government Architect, I will form a view and give guidance as to how London Circuit should evolve.”

Passionate about design and architecture after 30 years in practice, Swayn admits to still getting a ‘buzz’ out of seeing a building develop and emerge, whether it is a large or small structure.

One for good design, Alastair drives an Alfa Romeo because of some of the car’s appealing design features. He surrounds himself with well designed items which he refers to as ‘little pieces of joy’ whether it is a cup, chair or light fitting.

As the first ACT Government Architect, Alastair Swayn will be remembered in history. Canberrans will need to wait and see how his advice will shape the look and feel of our city.

Photography by Andrew Sikorski

accounting

DVP: change formula for great results

By Andrew Sykes advice

U

nderstanding what drives change in an business can be difficult – sometimes change will work and sometimes, despite best efforts it fails. The DVP formula for change is a great, quick tool which can help you plan change efforts.

It’s an important planning tool, allowing you to develop an understanding of what it will take to implement a change and where you must increase your efforts to succeed. It’s also a diagnostic tool that can help you quickly assess what’s missing or what’s going wrong.

Dissatisfaction – This is the 'Why' or the motivational factor in the formula. In most cases the level of dissatisfaction needed to support significant change efforts must be quite high. Most organisations do not take on change unless there is a very strong reason to do so and often because of fear that by doing things differently they won’t work such as sales will drop, competitors will get an advantage. If the 'Dissatisfaction' in your formula is missing or insufficient then great 'Vision' or 'Plan' will not save you, it will fail.

Vision – The 'Dissatisfaction' above pushes the individuals to change but does not provide a direction. They know that they are not happy but don't know how to make it better. The 'Vision' pulls

D

x

V

x

P

the individuals towards change by providing a direction for change.

This is the 'What' factor of the formula. If you do not know where you are going then the chances are you will go nowhere.

Plan – This is the 'How' factor of the formula. A high level project plan with the major activities, deliverables, and benefits can help increase your motivation to change. People often underestimate resistance to change and it is also common to misjudge the amount of time, barriers, money, effort, training, communication and planning needed.

Tip: The three variables above must form a believable package that is fully supported. A vision and a plan without resources will not work.

If your change formula stalls, the chances are one or more of the variables in this formula are the problem.

You can apply this formula by rating each area out of 10. The higher the score the more likely it is that change will be successful.

= Potential Change

Dissatisfaction

Vision

Plan

5/10

2/10

1/10 = =

10/100 1%

Andrew Sykes is a partner at RSM Bird Cameron.

For information on business improvements, contact our experienced team, 103 – 105 Northbourne Ave Canberra, T.6247 5988. www.rsmi.com.au

banking

How to deal with rising interest rates

By Toby Mahoney

I

nterest rates have moved rapidly over the last 12 months and are likely to continue to rise. But there are ways to manage this risk.

Given that we readily pay insurance premiums for other risks – people, buildings, and motor vehicles for example, it’s hard to justify not taking some protection for exposure to rising interest rates.

Our bank’s Financial Markets desk can provide interest rate risk management solutions including: forward start options; deferred start fixed rate, and interest rate caps and collars.

These solutions can be tailored to the borrower’s situation. They are relatively simple in structure and have been around for many years to enable businesses to get on with running their own affairs without being put at risk by financial markets.

Described in general terms below, I encourage you to discuss your particular situation with our business banker so that we can tailor a solution for you.

There is a wide range of business loan alternatives available through Bendigo Community Bank® including: Forward start options: This provides your business with the option of being able to take up a loan with a pre-set interest rate and term on a nominated future date. Generally this would be used to cover the rollover of debt at the end of a current loan period. This in turn provides a level of certainty and financial stability for your business. Should a cheaper loan be available at the time, the option does not have to be used, however the initial premium is not refundable.

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Deferred start fixed rate: Similar to the forward start option, the deferred start fixed rate is for a loan which commences at a future date.

The key difference is that there is a commitment to this loan by both parties. Again this provides a level of certainty and financial stability for your business; however it is possible that when the day arrives, you may find you are paying above market rates for the loan.

Interest cap and collar: The interest cap and collar loan establishes a minimum and maximum range for the interest rate on a loan to start on a nominated future date. If the market rate on that date (the spot rate) is within the range, then it is used. If the market range is higher, then the cap rate is used, and if the market rate is lower, then the collar rate is used.

For more information or assistance, please call me on 6231 9024 or Deb McLellan at Calwell Community Bank on 6291 3385.

Toby Mahoney is Wanniassa Community Bank's branch manager . T: 02 6231 9024, F: 02 6231 9643, M: 0422 605 505, toby.mahoney@bendigobank.com.au

INTERIOR PLANTSCAPING DESIGN • INSTALLATION • SERVICE

Ambius offer a superior selection of plants, containers and artwork.

Legendary service to keep your plants healthy & looking great!

Greener on the inside

Phone: (02) 6241 1451 www.ambiusindoorplants.com.au B2B in Canberra | July 2010

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BUSINESS COACHING

Communicate for A1 business success advice

By Darleen Barton

R

egardless of the economic environment, the basic communication principles still apply: be clear, objective, transparent and most importantly, straightforward. Your team needs to understand how the market is affecting your business and what has to be done, by when and how – on both a strategic and operational level.

According to business communication experts, there are four essential steps that will help you to successfully communicate with your team.

They are known as the As of communication.

4 steps to successful communication 1. Attention – Getting the attention of your staff is the obvious first step. Respect for the other person is very important as well as showing real empathy to the person you are talking to.

2. Apprehension – Establishing the degree of understanding with the other person. Ensuring a free flow of input from the other person is also a good way to see that the message is being understood.

3. Assimilation – Even though someone has understood a message, they may not take it on board or accept that type of information.

Making sure that the message is taken on board ensures good cooperation and participation in the workplace.

4. Action – It is here that all of the above is transferred into action of the message. You must not forget however, that the originator of the message must give continuous support and encouragement.

There are many resources available that can enable you and your

team to identify and interact with different communication styles, such as DISC profiling.

Entrepreneurs within the 10X network have found that taking advantage of this type of system produces instant benefits in the workplace, and that the time invested in staff communication has ultimately paid dividends for their businesses.

What better communication means for your business • Effective and efficient communication between you and your employees • Increased productivity – from managers and team members • Effective conflict and problem resolution • A more positive atmosphere at work • A more moral work culture.

Please contact Darleen Barton on 1300855109 for an appointment and start working on your business!

Darleen Barton is the 10X Canberra South business coach.

For more information please visit Unit 3/71 Leichhardt St Kingston, or phone 1300 855 109, www.10x.com.au

business training

Training for small business

By Jerome de Rose

A

lot of small businesses fail in their first year but there are ways to avoid the pitfalls. When Kirsten Vivian had a great idea for a new shop, she wanted to make sure that she wasn’t a statistic.

Having previously studied tourism at university and worked in both public and private sector jobs, Kirsten wanted to strike out on her own and in 2008 set up a gourmet takeaway and grocer, called ‘The Cook and Grocer’, in Gungahlin. “I thought there was an opportunity for something a bit different in Gungahlin but I wanted to do it properly – get the skills and knowledge to set up the business.”

The Certificate IV in Small Business Management from CIT provided Kirsten with the opportunity to set up all the processes and plans for her new business while she studied, bringing a real life quality to her assignments. “This place took shape as I did the course,” she said.

The occupational health and safety (OH&S) section was a big eye opener for Kirsten. “I didn’t know it was so extensive!” But now, with the luxury of coming into an empty space, her shop is set up with great OH&S and potential for the future.

The Cook and Grocer offers a Manuka experience in Gungahlin, with home-made takeaway meals, breakfasts, wine and specialty groceries.

The business has been successful and Kirsten says because of the CIT course, “the procedures are all well documented, so if we are looking at a second store down the track it will be a lot easier.” Still operating in 2010, despite the closure of a number of small businesses around her, CIT’s training has helped Kirsten manage the challenging few years of a

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new business, especially in times of the Global Financial Crisis (GFC).

Mark Rolfe, from Rolfe Property Services Pty Ltd, comments that “there can be no dispute as to the entrepreneurial talent that exists in the ACT business community but that getting training before or during the setup of a small business could mean the difference between success or failure.”

Mark facilitates the small business course at CIT and points to the practicality, opportunities of benchmarking ideas and strategies with fellow students, and the opportunity to engage with industry professionals. “CIT provides an integrated, innovative and business oriented course that prepares and enlightens participants to the challenges, pitfalls and success that may impact on them in the small business arena,” he said.

If you need help creating a business plan or practical training in running a small business, contact CIT – we are enrolling now!

Jerome de Rose is the director of the CIT Centre for Business.

Call 6207 3542 to find out how CIT can work with your organisation to up – skill your staff. http://www.cit.act.

‘See your Business in Canberra – Australia’s Capital 2010-11’ is a new inward investment prospectus that showcases the advantages of private sector investment in the ACT. Covering the range of economic and lifestyle factors, and with supporting data, the prospectus will be used to support ACT business events in the Australian Pavilion in Shanghai in July and September.

Copies of the prospectus will be available locally from 14 July.

To receive a free copy (limited numbers available), phone 1800 244 650 or email business.mailbox@act.gov.au From 14 July the prospectus is also available at www.business.act.gov.au B2B in Canberra | July 2010

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corporate governance

What’s in a minute?

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aving attended a variety of formal meetings throughout their suggestions. Some directors may wish to have their names recorded if they careers, most people will be familiar with the general concept do not agree on a point of discussion, however all directors must be aware of recording minutes. that decisions made in a meeting are binding on the entire board.

When asked a question about minutes recently, however, I One suggestion is to distribute draft minutes as soon as is practical was reminded that there is still a great deal of confusion surrounding good after a meeting is held. That way any discrepancies can be quickly noted practices of minute-taking for boards and other governance committees. by board members and rectified while still fresh in everyone’s mind.

While it is true that much has changed sinceThe the days of needing to guide, the levelDirectors of detail recorded in the minutes should be sufAustralian InstituteAsofa Company record every word spoken at a meeting ‘Hansard style’, the James Hardie ficient to show that due consideration has been given to decisions made, (AICD) is Australia’s membership institute for case (Australian Securities and Investments Commission v Macdonald but not so much that re-states every individual director’s thoughts. directors delivering and continuing (No. 11)) again highlighted to directors the importance of board minutes. knowledge As with most things in corporate governance, there is more art than the field directorship.

Keeping minutes of directors’ meetings is a learning requirementinunder the of science in how to record board minutes. All directors should be comCorporations Act 2001. Minutes must be lodged in the minute book fortable with the process, style and content within one month of the meeting. of minutes produced Laura – or consider suggestFor more information, contact What does this mean for organisations that only meet every two or ing how they may be improved.

Tierney on 1300 764 633 or visit the three months? The practical implication of the Hardie case is that if minThe ‘About Directorship’ section of website at should companydirectors.com.au utes are to be used as prima facie evidence in court, draft minutes www.companydirectors.com.au contains a be circulated in-between meetings. brief guide on minutes.

A recent article in Company Director magazine (the monthly magazine of the Australian Institute of Company Directors) pointed out some practical tips which may assist in the taking of effective minutes. One suggestion was to think about minutes as enabling someone who was not at the board meeting to get a sense of what took place.

Phil Butler is state manager of the Australian Institute of There is certainly no need to write down what each individual said Company Directors’ ACT Division. For more information at a meeting, nor is it necessary to write down who put forward certain about AICD 's course programs and events, call 6248 5954.

Inspiring small business to take the next step

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estate planning

Death and superannuation

By Stephen Bourke

M

any people assume that any death benefits received from superannuation is divided in accordance with your Will.

This actually is not the case.

Superannuation falls outside of the Will environment unless the funds are paid to your estate. In fact the trustee has discretion as to how any death benefit is paid.

Generally speaking the trustee will normally pay the death benefit to dependents or your spouse however this may not reflect what your intentions are or be tax effective.

You can make a Binding Death Benefit Nomination (BDBN) that directs the trustee as to how the benefit is to be paid. However, there are different sets of rules for BDBN depending on whether your superannuation is held in a industry or retail fund or in a self-managed superannuation fund (SMSF).

Death benefits in industry or retail superannuation funds: The Superannuation Industry (Supervision) Regulations 1994 regulate how any death benefit is to be paid on the death of a member. Under the regulations a member can provide a BDBN advising how they want their death benefit paid however any death benefit can only be paid to a spouse or a dependent.

Any nomination must also be signed by the member and witnessed by two adult witnesses. More importantly this nomination will expire after a three year period. The trustee rules must also accept BDBN. This is something you should check with your trustee.

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SMSF: The only restriction on the trustee of the self managed superannuation fund accepting a BDBN from a member of that fund is the trust deed itself. This means that if the SMSF trust deed allows BDBNs they do not have the three year limitation period.

This makes it vital to ensure that when setting up an SMSF that the Trust Deed has the necessary provisions for the making of a BDBN. As long as the governing rules of the SMSF are carefully drafted to allow for the making of a BDBN you can be sure that your hard earned superannuation is passed to those that you intend it to go to in event of your death.

Keeping the BDBN up to date: You have worked hard for your superannuation but if your BDBN is not effective the trustees is free to distribute the death benefit in any way they like (that is allowed under superannuation law and the SMSF Deed).

Stephen Bourke is a director in the boutique firm, Certus Law, specialising in superannuation, trusts and estate planning. He also consults to other practitioners through the consulting practice, SuperSplitting. Level 5, 28 University Avenue T: 6268 9090 www.certuslaw.com.au

Foundations of Directorship

Starting the journey

How to add value and guide your organisation towards success

Our Governance for New Directors program offers a practical introduction to the duties and responsibilities of a director and board. The program analyses the critically important role played by the board in achieving the objectives of an organisation.

Course details Governance Programs for New Directors Thursday 5 August 2010 Federal Golf Club, Red Hill

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For more information or to enrol on this course contact Renee Heins t: 1300 764 633 or visit companydirectors.com.au

Human Resources

Motivating staff during Canberra's chilly winters

By Elsa Ramiro advice

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hilly Canberra winters are synonymous with colds, flus and apa- employees and show them the value they bring to the business could thy which may strike your workforce and leave you functioning make or break your bottom line. And if your employees are tired out on skeleton staff. So how can you ensure that employees stay by the long, cold days, or just hoping to enjoy the ski season, encourage happy and motivated to work through the winter blues? them to use their annual leave for long weekends or short holidays so Research conducted by recruitment and HR services company, they come back refreshed, ready and motivated to work.

Randstad, identifies one of the biggest human capital challenges for busiWith ‘winter blues’ often translating into ‘calling in sick’, it is more ness leaders this year will be improving employee performance and pro- important than ever to understand how to build productivity and workductivity. And in winter, when everyone just wants to stay home in bed, place morale. the challenge only increases.

The Randstad 2010 World of Work Report, which is a compilation of Canberra is renowned for its icy cold winters, and the length and se- responses from 3000 participants, answers ten of the burning questions verity not only has an impact on people’s health – meaning more sick keeping business leaders awake at night. It provides important guiddays – but it can result in lower morale and decreased productivity levels. ance on issues from engagement, motivation, Office morale plays a key role in productivity, and ensuring your em- productivity, through to attraction, retenyou, hishappy success reliescanon getting right around him. ployees areLike involved, inspired, and motivated mean the differ-the tion, salary, team and leadership.

For a copy of the At Randstad, we have our own high performance support team.

Ours is meticulously trained to find the ence between eager staff who add to your bottom line, and people ‘call- Randstad 2010 World of Work Report,right please thecan’t rightfind companies and to vice versa.

Forinmore information onwww.randstad.com.au why you should choose Randstad for ing in sick’ people becausefor they the energy face a day the office. visit all your recruitmentWorld & HR of requirements, visit www.randstad.com.au According to Randstad’s Work Report, key motivators for productivity are having a belief in the organisation’s vision and goals, and having a strong relationship with a manager. The report also cites that the top motivator for employees to perform well in their role, is having an understanding of how their role contributes to the organisation’s goals.

For further information, please contact Elsa Ramiro, Identifying these motivators can help guide employers who are executive manager of Randstad’s Business Support division facing another winter where employees lack motivation. Applying 24/3/10 10:50:09 in Canberra T: 02 6245 2992 or email ElsaAM at this information in your office through strategies that motivate your elsa.ramiro@randstad.com.au, www.randstad.com.au

d 1

Information Technology

Ever wondered why your network is so slow?

By Boaz Fischer

Y

our network is a frenzy with applications which you cannot see or control. Hundreds of applications are currently traversing your Internet and your firewall cannot see them.

Have you ever wondered why your network is running slowly?

Have you ever wondered why you have huge Internet data downloads but are unsure of where it comes from? Do you know whether your staff are using Facebook at work?

Streaming audio and video, file sharing, collaboration, and social networks are just a few of the types of applications that are capable of hopping to-and-fro from the Internet to your organisation. The business value these applications provide varies widely, but without application visibility and control, all of them introduce a range of risks including loss of productivity, compliance issues, threat propagation and data leakage. Not to mention, your bandwidth clogs up, and as a result, users are complaining about the Internet being slow and you may be wondering why costs have increased.

Attempts at regaining application control by bolstering your firewall with intrusion prevention systems, anti virus solutions, URL filtering or proxies have been exercises in futility. None of these technologies are capable of seeing all the traffic on the network nor are they designed to act as the most strategic security element on the network.

To meet these challenges effectively, a new standard of security is called for which is 'The Next Generation Firewall'. This firewall has the ability to identify applications regardless of whether they are using

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encryption. It can provide granular visibility and policy control over applications and has the ability to provide real-time protection against a wide array of threats, including those operating at the application layer.

SPECIAL OFFER: CommsNet Group is providing the first 15 qualified organisations with a FREE Internet security assessment using a Next Generation Firewall. This assessment will identify all applications traversing through your Internet connection to your network and visa versa.

It will identify your top web sites, top users and top security threats. In addition, CommsNet Group will provide you with a findings report and a whitepaper about Next Generation Firewall. To qualify for this FREE assessment, please register your interest to MyInterest@commsnet.com.au

Boaz Fischer is the managing director of the CommsNet Group. For more information, contact T: 6282 5554 or visit Level 1, 67-69 Dundas Court Phillip, mail@commsnet.com.au, www.commsnet.com.au

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SAfety

How to get the right training for your workplace

By Darren Sterzenbach advice

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ll too often our busy lives result in weeks, months and even years passing us by in just a blur. Deadlines, client expectations and excessive work loads can place unrealistic demands on management and workers that result in failure to follow proper procedures or safe work practices. So, just how many risks are we exposed to during our busy days that could have impacted on our lives or the lives of our families, workmates or others should we have been injured? How do we ensure the workplace has the tools in place to identify and control these risks?

Risks in the workplace need effective controls. To be effective the person identifying, assessing and controlling the risks needs to be competent. Competency can be measured through the level of training, skills and/or experience in the work task and in risk management.

Getting the right training is one avenue of gaining that competency. Of course the balance for an employer is the issue of who provides the training. Today’s workplaces are quite transient and training can be expensive.

There is also the drain on the workplace while training is being delivered and then the application of the newly learnt skills. My recommendation is that you not only source a reliable training organisation but you also view the content of the proposed training to ensure it is relevant to your needs.

Evaluating training’s worth, content and relevance is a good way of ensuring management has selected the right trainer and the right course. Do not confuse this with the training organisation’s evaluation which usually addresses whether their course was delivered well, and matters such as the

trainer’s knowledge – which more serves them than you.

However, once training is completed, we often see businesses failing to yield the best results for the broader workplace. Unfortunately the new skills quickly become ineffective as there is a failure to take hold of this new information and convert it into something useful. Workers need to be consulted on the introduction of any new processes and this includes identifying risks and putting controls in place. Effective communication is paramount to ensuring a workplace takes ownership of safety processes and in turn this will influence a positive culture change. By ensuring that everyone shares in the outcomes of training a workplace can become safer through proactive approaches to risks and their controls and this optimises the business dollar spent on the training.

This months tip: Visual aids such as marking, signs and instructions work well.

Darren Sterzenbach is Matrix's national general manager.

T: 02 6239 7322, darren@matrixcompliance.com.au, www.matrixcompliance.com.au

websites

Online selling to under 18s

By Sam Gupta

A

t times I think that the new generation GenZ will even breathe online if it was possible. With this in mind, there is a new payment method for online shopping which you need to know about if your target market is under 18.

VISA has introduced PayClick.com.au – a new way for merchants to accept micro-payments ($20 or less) as well as other payments online.

Designed and developed within Australia, this new facility specifically caters for young users who don’t have a credit card.

There is no transaction fee to the user – simply create an account, add money using credit or debit cards or BPay and you are in the picture. It is very similar to PayPal. Personally, I don’t like the name ‘pay click’, but let’s wait and see how the market responds to it.

Pay Click is targeted to both GenY and GenZ who are growing-up with a large variety of online technologies in their hands.

Until now, the only missing piece was a lack of an online secure payment facility that imitates the traditional ‘pocket money’ system. This facility matches that missing piece.

Parents can create a sponsored account for their children, keep track of their purchases, control the spending as required, and top-up the account like digital pocket money.

Parents/sponsor’s details are fully confidential and funds can only be spent if added by the sponsor’s account.

With such a system, parents can feel safe and secure while their children enjoy the online shopping experience within a controlled environment.

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As a merchant, I think there is going to be very strict guidelines for the sign-ups. Keeping in mind the sensitivity of this target market, there is also likely to be very strict guidelines for selling items. But, if done correctly, this payment method could revolutionise the online shopping experience.

This year alone, micro-payments could exceed $600 million in Australia. Furthermore, speculations are that by 2014, ecommerce spending in Australia could double.

Combine the two, along with the potential of new generation technologies, and you will easily see the potential of this new facility.

Sam Gupta is the managing director of Synapse Worldwide. if you would like to discuss this new payment method, please contact Sam on 1300 785 230 or admin@synapseworldwide.com

B2B in Canberra | July 2010

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of canberra's cbd

hot topic

topic: the future

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s Canberra’s Centenary approaches it is interesting to reflect on what cities mean in 2010, compared with what they were 100 years ago.

‘New City Life’ by renowned Danish urban designer Jan Gehl and his colleagues explores the story of a transition from a time 100 years ago when a lot of activities were necessarily concentrated in cities.

City life happened, irrespective of quality. Gehl argues that over the past 100 years city life has become optional. Today, should we choose, life can be planned and organised so we don’t need to physically use our public places.

For example, people can shop or work by driving from their garage to an underground car park and never step on a street.

This concept of ‘the abandoned city’ is a cultural and economic tragedy that, in the absence of real commitment and clearly directed policies, can eat away at any city.

I am determined to apply the necessary effort that sees Civic, together with the other town centres, evolve as safe, healthy, attractive, vibrant, interesting and people friendly urban centres.

The recent Mercer Quality of Living worldwide survey of 420 cities provided some evidence that we are on the right track when Canberra was ranked 26th. This was the first time that the survey had

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anberra is easily Australia’s most planned city. This presents both challenges and opportunities. Unfortunately, Civic is an area that is proving a challenge to this government, rather than being used as an opportunity.

According to the ACT Population Projections 2007-2019 from the Chief Minister’s Department, growth of only 1,300 people is expected for the City. Compare this with the expected 20,000 more residents in Gungahlin and 10,000 extra residents in Molonglo. Civic is clearly not planned to grow under this government.

The core problem is poor planning. The government has been unable to provide a long-term and detailed plan for Canberra’s CBD, and this has resulted in ad-hoc releases of land, both commercial and residential, and uncertainty about the future uses and charges that may apply to developments. Just recently we have seen the latest government planning failure with the two premium blocks on London Circuit withdrawn after they could not attract significant bids.

There has been little fore-thought into how these potential developments will fit in with current and future sites, and with no long term strategy, it has given the industry and business a lack of certainty.

Specifically, there have been some striking recent examples of this

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ivic has been changing dramatically in recent years, and is set to continue rapid expansion in the coming years.

We’ve always been a city somewhat uncertain as to whether we should lean more towards being a country town, or trying to be a ‘proper city’.

Canberra is a planned city, with layers of plans from different eras in the past century. One of those being the design as a decentralised city, with the CBD not being much more important than other town centres. More recently a wave of development and employment in Civic has made it more recognisable as the centre of our city.

Over the last decade a considerable number of people have chosen to live in or close to the city. The Greens/ALP Agreement included more money for footpaths and cycle paths so that Canberrans can walk or cycle to Civic more easily. We have also been working to improve the frequency of our bus network which will help ease traffic congestion and parking. The new REDEX bus service is the beginning of this.

The Greens want a city which is vibrant and caters for all age groups to provide areas where a range of activities for young and

included Canberra in its top 50 cities, which serves as an indicator that our city is coming of age.

At the heart of Canberra’s international image is Civic. It is the place where our cultural identity is most positively expressed, where commerce is concentrated, where the Australian National University and Canberra Institute of Technology anchor each side of the city and where our transport networks converge.

Civic has experienced substantial growth over the past five years, broadening opportunities for people, both young and old, to live, work, shop, eat, be entertained and generally enjoy Canberra’s pre eminent urban centre. When I walk through much of the city on any day of the week the benefits of this development are obvious through the new businesses and increased activity.

Earlier this year public consultation on the draft City Area Action Plan showed that most people agree with the benefits of a stronger city centre. That support is qualified with a concern that we avoid the blights of traffic congestion and pollution that will result from a ‘business as usual’ approach to car reliance.

I want to stress that the Government’s response to Civic’s growth is much more than ‘business as usual’.

The Action Plan brings together significant steps that lead to Civic’s more sustainable future. Over the next three years Canberra will have non-congestible bus lanes that extend from Belconnen Way directly to the Civic interchange and a similar dedicated bus lanes between Civic and Gungahlin.

To make the most of opportunities created by this wave of new investment I recently announced that a senior executive in the Department of Land and Property Services will take a leading role in coordinating the numerous projects that are currently underway and that are likely to begin in the next few years.

Through this focused ‘place-making’, Civic’s role in the hearts and minds of Canberrans and international observers alike will be further enhanced.

confusion and lack of planning. Recently, Jon Stanhope unveiled his Infrastructure Plan which was riddled with mistakes and had to be pulled down the same day it was released. His city plan failed to provide any vision of future growth of the CBD and was roundly panned by industry.

To add to the ongoing planning problems, we currently have three ACT planning bodies run by two separate Ministers, while the National Capital Authority has domain over the Parliamentary Triangle. It is no wonder the ACT is experiencing long delays for new development around Canberra.

Added to all this is the introduction of a massive new tax on existing sites with up to $50,000 being added to every unit in a multi-unit development in an area such as the CBD. With no certain answers from the Minister during estimates hearings, developers are understandably wary about their future plans.

Improving the overall vibrancy of Canberra’s CBD will only happen with a long-term strategy that includes good design and certain rules.

We have developed a significant and detailed plan called Infrastructure Canberra. Infrastructure Canberra is a comprehensive plan to deliver the infrastructure we need in an efficient, effective way. It starts with the Infrastructure Canberra Bill , which provides the

legislative and structural framework to make sure the plan is carried out efficiently, effectively and sustainably. This Bill will see the establishment of an Infrastructure Plan, to set out a strategic design for medium to long term infrastructure projects, providing some certainty for the government and industry about future infrastructure delivery. The Bill will also establish an Infrastructure Commissioner and expert board with relevant industry experience to advise the Minister on the establishment and maintenance of the Infrastructure Plan and the Assembly and the community on the state of infrastructure in the Territory.

For too long there has been a fragmented and unstructured approach from government to planning in Canberra. The Canberra Liberals have an overall vision for the CBD and Canberra, and we believe we have the means to make that vision a reality.

old can take place throughout the day and night. This means genuine engagement with young and aged people around the types of facilities that they need in the city. It’s important that with more people in the city, we retain ‘green spaces’ that encourages an inclusive city centre.

An area of concern to the Greens is ensuring that we retain venues for live music. One conflict that can arise from having more people living in Civic close to restaurants and entertainment venues is that the increase in residential units is increasing the level of noise complaints, and putting pressure on venue operators.

This has lead to a number of venues closing down completely, which is a loss for our night-time economy, as well as to the live music scene.

The Greens support the increase in urban density in the city, but we think it is important that we look at better sound proofing of residential buildings, as well as designated entertainment precincts where people can see live music and not annoy the neighbours.

One trend which is pleasing to see is the increase in energy efficient buildings in the city.

The Australian Conservation Foundation recently ranked

Canberra as the leading Australian city in this regard, as we have the highest level of Green Star certified projects relative to population.

This is primarily due to the fact that the Commonwealth Government, the largest tenant for commercial buildings in our city, has a requirement for 4.5 star rated buildings, which will reduce their energy bills and also reduce greenhouse gas emissions.

We want the ACT Government to adopt this requirement too.

Canberra is certainly coming of age, our Centenary is just a few years away, and smart planning and development of Civic is a key part of building a sustainable, liveable and exciting city.

Jon Stanhope

ACT Chief Minister

Zed Seselja

ACT Opposition Leader

Meredith Hunter Parliamentary Convenor, ACT Greens

B2B in Canberra | July 2010

35

associations to business Canberra business council

A2b

Where's my taxi?

Chris Faulks Chief Executive Officer, Canberra Business Council Upcoming Events Thursday 22 July 2010 Connect with ANU Research Time: 5.30pm – 7.30pm Venue: University House Building, 1 Balmain Crescent, Acton Cost: $35 members $45 Non-members RSVP: 20 July 2010

Thursday 12 August 2010 SAP Business Luncheon Guest Speaker: Prof Patrick McGorry AO Time: 12.30pm – 2.00pm Venue: Hyatt Hotel Cost: $90 members $90 Non-members $850 Table of 10 RSVP: 9 August 2010 To register all events www.canberrabusinesscouncil. com.au

Principal Members Actew Corporation, ActewAGL, Bank West, Bega Cheese, Bluestar Printing Group, Clayton Utz, Cre8ive, Ernst & Young, Elite, eWay, Medibank Health Solutions, Hindmarsh, Holistech, KPMG, MBA, National Australia Bank, National Museum of Australia, NEC Australia, Staging Connections, The Village Building Co, Thyssen Krupp Marine Systems Australia

Affiliated with

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July 2010 | B2B in Canberra

If you're a resident or frequent business visitor to Canberra, chances are you've either uttered this phrase yourself, or heard someone else say it in frustration. It's no secret that if you want to get somewhere on time within Canberra, particularly during peak usage periods, you may be out of luck if you rely on the taxi service.

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s a result of the volume of complaints from licenses, whether through deregulation of the industry, customers and from within the taxi indus- a phased bi-annual increase in the number of governtry itself, the ACT Government released an ment leased licences, and/or a reduction in the governACT Taxi Industry Review Discussion Paper ment licence lease fees. This will give the industry the in April 2010, asking a range of questions to gauge the flexibility it needs to adjust to demand, free of the artiextent of the problem and determine what can be done ficial restrictions which have seen the release of only an to resolve it. Canberra Business Council has made a for- additional 90 taxi licences in the past few years. mal submission to this review.

Increasing taxi numbers by itself however is not the The taxi service has a significant impact on busi- full solution. The service element of the industry must ness tourism in the national capital. In the absence of also be bolstered with measures designed to inspire an effective and efficient public confidence in the safety and transport system, business visireliability of the taxi service. tors are often wholly reliant on Yet by all accounts, these timeDriver training, security taxis to transport them to imservices, particularly during portant meetings, and to and sensitive transport needs are late evening hours, and an infrom the airport for example. in the number of prenot being adequately handled by crease Similarly, the taxi service has a mium taxi services will all enmajor impact on local enter- Canberra’s taxis... sure higher levels of customer tainment and leisure tourism satisfaction and safety. providers, as both visitors and These measures should be residents alike may require a taxi to get them to a res- funded by the taxi industry and recovered through the taurant or event on time, and return them home safely fare structure, as a form of investment by the industry after consuming alcohol. Yet by all accounts, these in its own future. time-sensitive transport needs are not being adequately The ACT Government must work closely with the taxi handled by Canberra's taxis, resulting in a loss of confi- industry to ensure that this important issue is dealt with dence in the industry, and subsequently a potential loss in a responsible and economically sustainable manner. of income to a range of local businesses.

The future of not only Canberra's transport services, The problem is a complex one because there are a but a whole host of businesses reliant on the efficient large number of private vehicles in Canberra, due to its and reliable functioning of these services, lies in the govlayout and the lack of genuine public transport alterna- ernment's hands. tives. The city also has significant peaks and troughs in the number of visitors, such as during parliamentary sitting periods. These factors make it difficult to predict precisely how many taxi licences the city needs. However examining the number of taxi licences per head of population in 2009 shows that at one (1) taxi licence for every 1,125 people, Canberra sits midway between the two extremes of Hobart (1 taxi licence per 914 people) and Darwin (1 taxi licence per 1,267 people). This indicates clearly that there is scope for increasing the number of taxis in the ACT to assist in catering for the unmet demand.

The Council believes that a range of measures is necessary to alleviate this ongoing problem. The most important of these is an increase in the number of taxi

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A2B

associations to business CollabIT

Analysing the ICT industry’s energy consumption Alison Abernethy Manager, CollabIT ACT

The Australian Computer Society and the Australian Information Industry Association recently released two significant studies into environmental sustainability and the role of the technology industry.

Mobile phones and portable equipment account for only one percent of ICT energy consumption despite their widespread use.

To learn more about CollabIT’s activities visit the website: http://aiia.com.au/ pages/collabitact.aspx Grnd Floor, 39 Torrens St Braddon ACT 2612 T: (02) 6281 9400

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July 2010 | B2B in Canberra

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he Australian Computer Society (ACS) Carbon and Computers in Australia Report – produced through Connection Research – provides definitive analysis of the Australian ICT industry’s energy consumption and carbon footprint.

ICT for Eco-Sustainability: an assessment of the capability of the Australian ICT sector – was commissioned by the Australian Information Industry Association (AIIA) through RMIT University. The paper analyses the capability of 133 Australian ICT firms to deliver ICT solutions that enhance environmental performance across 52 performance indicators.

“The ICT industry takes its environmental responsibility very seriously. The ACS and AIIA are working together to provide a more unified industry voice on this important issue,” ACS CEO Bruce Lakin said. “This ACS report provides the first definitive analysis of domestic and commercial impact that technology has on Australia’s environmental performance and provides the industry with the tools to measure and improve that performance into the future.”

“Besides mitigating the direct impact of technology use on the environment, the ICT industry is uniquely positioned to improve environmental performance across the economy,” AIIA CEO Ian Birks added.

Among the key findings released, the ACS report quantifies ICT’s share of Australia’s total carbon emissions at 2.7 percent; technology is directly responsible for more than seven percent of all electricity generated nationally.

The biggest components of ICT carbon emissions are data centres at 18.8 percent, followed by PCs (15.8 percent), printers and imaging equipment (15.7 percent) and servers (14.7 percent). Mobile phones and portable equipment account for only one percent of ICT energy consumption despite their widespread use.

The AIIA/RMIT Study analyses Green ICT Capability (GITCAP): the ability of an ICT company to innovate, produce market and realise value of ICT solutions that enhance environmental performance in any area of the economy.

Thirty-nine per cent of firms stated that they have a very clear strategy for enabling the eco-sustainability of other industries. More than 50 per cent have allocated budgets for developing Green ICT products and services.

These studies provide the framework for improving performance across the ICT industry and extending enormous benefits into the wider economy.

CRYSTAL APPROACH AND UNISYS AUSTRALIA PROFILE

Crystal Approach recently signed an agreement with Unisys Australia as a preferred supplier of project management services across Australia and New Zealand.

Crystal Approach and Unisys have worked together on Federal government projects since 2007. This new agreement provides an opportunity to build on local success and deliver services across other capital city markets and industry sectors.

Unysis Australia’s general manager government outsourcing, Tim White, said “The preferred supplier relationship with Crystal Approach provides Unisys with the flexibility to quickly access additional experienced project management resources to support client workload peaks.

“This relationship is also an example of how Unisys works with small-medium Australian businesses, providing them entry to engagements as part of the larger Unisys team, that they might not otherwise be considered for,” he said.

Crystal Approach has a team of expert project managers working on a wide variety of government and private sector enterprise-level projects.

Crystal Approach works in partnership with clients to deliver expert solutions based on business needs rather than supplying isolated products or services.

Settle family diSputeS out of court it’s hard enough when a relationship ends. So the last thing you need is soaring legal costs, protracted, public court proceedings, and your personal affairs being determined by a judge. consensus provides a better alternative to the courts.

We use collaboration, arbitration and negotiation between the couple to find open-minded solutions that work. it’s discrete. it’s fair. and everybody leaves in agreement. for a new style of dispute resolution which puts you back in control, turn to consensus. canberra act 2601 t 02 6290 9898 f 02 6257 4382 info@cflaw.com.au www.cflaw.com.au B2B in Canberra | July 2010

39

associations to business Act and region chamber of commerce & industry

A2b A2B

Find out more about employer-sponsored visas David Lane, Industry Outreach Officer Department of Immigration & Citizenship

Much has been written in recent editions of the B2B in Canberra magazine about skill shortages existing in the ACT. An article by the ACT and Region Chamber of Commerce and Industry in last month's edition predicted these would only worsen as a large percentage of baby boomers retire over the next 10 years.

To assist employers, the department has a 24-hour on-line visa entitlement verification system.

The Workplace Relations team of the Chamber has a long history of supporting members to navigate through the complexities of the Workplace Relations environment. To become a member of the Chamber please call 6283 5200 or visit www.actchamber.com.au.

Corporate Sponsors ACTEWAGL, 104.7 / Mix 106.3, Prime TV, The Canberra Times, The Good Guys Tuggeranong, Duesburys Nexia, Synapse Worldwide, B2B in Canberra.

Associates and Affiliates Retail Traders Association, Australian Industry Defence Network Foundation Member Australian Chamber of Commerce & Industry 40

July 2010 | B2B in Canberra

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s an employer, you might be interested in knowing that employer-sponsored visa options, both temporary and permanent, exist. These options assist Australian employers who wish to employ foreign nationals to fill nominated skilled positions that they have been otherwise unable to fill.

The temporary business (long stay) (subclass 457) visa program enables employers to sponsor overseas workers to fill skilled positions for up to four years. Employers often use this visa to test whether the person is competent in the position and is suited to working in the business before seeking to sponsor the person to remain permanently. Before considering using the 457 program, employers should check the vacancy is an occupation eligible for filling under the 457 visa program. If not, an employer could enquire about negotiating a labour agreement with the department as a means of filling the skilled vacancy.

Of the permanent employersponsored visa categories, businesses located in the ACT and surrounding areas are able to gain access to the Regional Sponsored Migration Scheme (RSMS) to sponsor employees who are foreign nationals for a permanent visa to work in Australia.

The nominated position should be skilled, be full-time for a period of at least two years and must be certified by an approved regional certifying body. There must also be a genuine vacancy that cannot be filled from the local labour market and the nominee must have the necessary skills and qualifications for the position and meet any mandatory licensing and/or registration requirements. The regional certifying body in the ACT is the Skilled and Business Migration Program of the ACT Chief Minister's Department.

More detail on each of these visa types can be found on the departmental website www.immi.gov.au.

Of the permanent skilled migration categories, employer-sponsored applications are given first priority when being processed. This is consistent with the Australian Government’s strategy to deliver a demanddriven program that is responsive to the needs of industry and employers and better addresses the nation’s future skill needs.

Employers should be mindful it is a criminal offence to employ or refer a person for employment where that person is not entitled to work in Australia.

To assist employers, the department has a 24-hour online visa entitlement verification system called VEVO that allows businesses to easily check their employees’ work entitlements. Employers can register to use this service at www.immi.gov.au.

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associations to business Chamber of Women in Busiiness

A2b A2B

Do women really need to break the glass ceiling to be successful?

CHAMBER OF WOMEN IN BUSINESS

Dianne Nockels, Promotions Officer Chamber of Women in Business

Numerous articles have been written recently about the dismally low number of women heading up ASX 200 companies (in 2008 there were four). But is leadership of an ASX 200 company really the epitome of success? It might be a man’s definition of a successful woman, but are women measuring success in other ways?

Upcoming Events Annual Gala and Awards Dinner Tuesday 17 August 7:00pm – 11:00pm The Federal Golf Club

For more information : www.cwb.org.au

Or call 6282 6255 Find us on Facebook

For more information: T 6282 6255 F 6282 7191 E office@cwb.org.au www.cwb.org.au 42

July 2010 | B2B in Canberra

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or most of the women I know work/life balance is an essential element of being successful.

Clearly a satisfactory work/life balance cannot be achieved if you are a CEO working 60-70 hours a week. In Australia’s male-dominated society more and more women seem to be giving up trying to break the proverbial glass ceiling, instead starting up their own businesses which they can run on their own terms. So how do women succeed if they decide to build their own businesses?

At the CWB we celebrate the successes of our members with an annual awards ceremony. Our four winners last year were: Laurie McDonald, Canberra Furnished Accommodation; Claire Connelly, Papercut; Bobbi Cook, Bobbi Cook Behaviour Management; and Kylie Watson, La Bella Creations. Below they share the traits and qualities they believe contribute to a successful business.

Tenacity and hard work Creating a flexible working environment, perhaps around children, is often the main reason for women starting their own business. However, it does not necessarily mean we are working only 9-3! Evening and weekend work is common, but it is our choice, and we reap the rewards.

Reducing working hours to accommodate family commitments need not mean slowing down your business. With the right changes to your business practices it could even mean growth and/or increased profitability.

Integrity Successful businesspeople have great integrity. Stay true to your values, as compromising them can lead you down a path from which it is difficult to return. Claire Connelly’s integrity risked her losing a valuable client last year. However, Claire expressed her concerns; the client changed, and now continues to use Claire’s services.

Passion Working long hours is less of a chore if you are doing something you are passionate about. Genuine passion for your product or service will be recognised by your clients and contribute to your success.

For many women their passion for a service or a product is their initial reason for setting up their business. Kylie Watson, for example, now has an international on-line business selling fashionable,

toddler-proof jewellery, because she was unable to find any for herself.

Networking Women are natural networkers, and should use this skill effectively to promote themselves and their businesses. Networking has a number of benefits, for example raising awareness of your business and, often, finding new clients. It also provides an opportunity to mix with like-minded people, learn from them and benefit from their support, which is key to success.

How can the CWB contribute to your success?

The CWB offers, of course, networking opportunities. However, we also provide opportunities to learn, and take part in self-development activities. We will soon be instituting a mentoring programme, to allow experienced members to share their knowledge and skills with others.

Being a CWB member raises your profile, online and within the Canberra community. In particular, the winners of our Businesswomen of the Year Awards can look forward to significant publicity for their businesses. This leads to tangible benefits (eg, a surge in website hits) as well as increased confidence of the winners and their clients.

The CWB’s Purple Tick programme enables you to market your business to women (who make 85% of purchasing decisions). We all know that men and women communicate differently, so Purple Tick offers you an opportunity to show that you cater to those different styles.

Watch this space for more success tips in the future, or come and join us at the CWB.

Meet Ben 2.0

At Infront, all of our engineers are exceptional computer technicians, but with one important upgrade – they speak your language. When our engineers are not supporting your IT environment, they are rening their communication skills, so you will always know what’s going on. And that’s the way IT should be.

To nd out more about BusinessONE – Infront’s specialised IT service for small to medium business – call (02) 6239 8400.

B2B in Canberra | July 2010

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associations to business Act exporters' network

A2b

The business of sport

Brent Juratowitch President, ACT Exporters' Network

The World Cup is a showcase of the world’s finest football athletes. For many countries their success is a function of having large populations which through genetics delivers a proportion of people with skills and abilities that makes them world class athletes.

Upcoming Events 3rd Annual Export Leaders’ Breakfast The 2010 Export Leaders’ Breakfast will showcase some of Australia’s most successful export leaders including Mr John Bilmon, PWT Architects – codesigner of the Olympic Water Cube in Beijing.

Hyatt Hotel Canberra 7:15 for 7:30am – 9am Thursday 12 August 2010

ACT Chief Minister’s Export Awards – Presentation Lunch Join the ACT Chief Minister, Jon Stanhope MLA and the local business community for the Presentation of the 2010 ACT Exporter of the Year Award.

Hyatt Hotel Canberra 12:00 for 12:30 – 2pm Wednesday 8 September 2010

To register for these events www.canberrabusinesscouncil. com.au

The ACT Exporters’ Network is proudly sponsored by the ACT Government, Canberra Business Council, the Centre for Customs & Excise Studies and AusIndustry.

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ustralia's sporting prowess is well known but is less a product of genetics and more the product of innovation and ingenuity by a dedicated band of sport technologists, entrepreneurs, coaches and sports administrators.

This capability is now being recognised worldwide with Australia now exporting everything from swimming costumes and sports equipment, to expertise in facilities engineering, coaching and sports management.

The ACT and Capital Region sport and fitness exporters play a leading role particularly in high performance sport including specialist training and coaching, sports science, anti-doping, and sport technology as well as business development covering governance, organisational development, marketing and communication, commercial development in the sport industry.

Those ACT sports exporters currently achieving success both domestically and internationally include: • GPSports – This Fyshwick based company provides Manchester United and Real Madrid football clubs with the latest sports performance technology systems for their athletes.

• ExSport Management – Brendan Lynch has provided advisory services to a number of Olympic, Paralympic, Commonwealth and Asian Games organising committees.

• Capital Football – Each year Capital Football attracts international teams to compete in the national Kanga Cup tournament for school age children.

One of the reasons why the ACT has an such a vibrant and world-class community of sport and fitness exporters is because we are co-located alongside world class sporting institutions such as the Australian Institute for Sport (AIS), the Australian Sports Commission.

The management teams within these companies have worked, studied and taught at these institutions and agencies.

Given the Territory’s strength in sport exports, the ACT Exporters’ Network decided to establish the Sport & Fitness Export Cluster in late 2009.

The aim of the cluster is to bring companies in the business of selling sport and fitness related goods and services together to discuss shared

challenges and emerging trends in the international sporting arena.

At the cluster’s last meeting in May 2010, Ms Catherine Ordway an Anti-Doping and Sports Consultant based in Canberra worked through a number of practical strategies which companies could adopt to promote their expertise and strengths.

The opportunity to promote local capabilities came in late June 2010 when ACT Exporters’ Network welcomed North Indian Mittal Champion’s Trust (MCT) on their fact finding visit to Canberra.

Mittal Champion’s Trust is a private initiative set-up by Mr Lakshmi Mittal. After witnessing India win only one medal, bronze, in the 2000 Summer Olympics. Mittal decided to set up Mittal Champions Trust with the aim of identifying and developing Indian Olympic athletes.

Ms Gail Aiken, CEO of mpowerdome, a community sport centre specialising in targeted sports programs for young children met with representatives from the Trust with the objective of looking at where mpowerdome and Mittal Champions Trust’s values and business goals coincide, particularly in relation to implementing an athlete development pathway at the grassroots level.

“The meeting has confirmed a potential for what mpowerdome has to offer through the mpower minis program and beyond. Whilst there is significant groundwork yet to occur in the Indian market, the initial meeting with MCT has enabled sufficient exchange of information to know that there is a market for the mpowerdome turnkey solution,” she said.

Gail Aiken, CEO, mpowerdome

universities to business THE UNIVERSITY OF CANBERRA

U2b

UC post-graduate education targets industry and business needs Professor John H Howard Pro Vice-Chancellor, Development, University of Canberra

The University of Canberra has a major responsibility to educate and train professional and technical workers for Canberra’s knowledge intensive industries including public administration, health, education, accounting and journalism.

P

eople looking for long term careers in knowledge intensive industries require access to continuing professional development and post graduate education. It is no longer the case that people learn everything they need to know for their careers upon graduation with a Bachelor’s Degree.

We expect our doctors and dentists to be up to date with the latest knowledge of diseases, treatments and cures – we should be expecting the same commitment to lifelong learning from our managers and practitioners in the broader professions.

Professionals need access to post graduate education to update their qualifications and acquire new knowledge and skills relevant to contemporary professional practice. In large public and private sector organisations, people also like to position themselves for promotion and advancement opportunities through the acquisition of new skills and qualifications.

Moreover, our new generation of ‘knowledge workers change employers frequently, and many start their own businesses – particularly in the creative and professional services sectors. This also means acquiring new skills and capabilities. The University offers programs in innovation and entrepreneurship to help people start and grow their businesses.

Additionally, many people are looking for opportunities to change careers and explore new professional opportunities and see post graduate education as platform to initiate the change.

The University of Canberra is responding to this increasing demand for professional and post-graduate education through a strategy that will ensure the postgraduate course work offerings have relevance and currency to current and future students, satisfy workforce demands and professional requirements for accreditation, involve industry in the learning process and can be delivered flexibly in time or place.

Supporting this approach is a model of professional education and training that offers collaborative research and consultancy and includes intensive credentialled inhouse courses tailored to individual industry needs, and with modularised components that may be designed to aggregate into award courses.

The University also encourages practitioners to contribute to the creation and transfer of new knowledge through the Adjunct and Honorary Appointments programs. This encourages people in professional

practice to join the university and participate in research projects and post graduate education programs.

By way of example, the University’s new Master of Strategic Communication is focussed on developing analytic and practical knowledge and skills to enable the application and communication of knowledge generated through research, to societal issues and organisational objectives.

A combination of academic and industry-based teaching, combined with a work based research project, will prepare senior managers to become more effective communication strategists in the business, public and not-for-profit environments.

Strategic communication is necessarily based on an advanced understanding of the complexity of human communication processes and environments as well as on systematic research and analysis prior to the development of specific communication strategies.

The Masters of Strategic Communication will include consideration of how contemporary theories of risk and risk communication can inform communication practice. Other subjects in the degree program deal with research methods, leadership, current and emerging communication tools, and the analysis of how critical issues develop and come to be defined in society and in specific organisational settings.

Insights from these studies are readily applicable to organisational strategic communication planning and implementation.

The course, which will be taught over three semesters, includes the following learning outcomes: • an understanding of and competence in a range of social research methods relevant to strategic communication • an ability to link communication research, planning, implementation and evaluation to organisational strategic plans • development of the critical thinking and vision needed to address mid to long-term strategic communication issues.

Through this, and other initiatives on course design, the University is fulfilling its commitment to the growth of Canberra and the Region as a genuine knowledge economy.

We know that to be competitive in the knowledge intensive industries, our leaders and professionals must be at the leading edge in terms of the creation, application, and use of knowledge.

We know that to be competitive in the knowledge intensive industries, our leaders and professionals must be at the leading edge in terms of the creation, application, and use of knowledge.

For further details about how your business can interact with the University, please contact Professor John H. Howard, University of Canberra on (02) 6201 5050.

B2B in Canberra | July 2010

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INSITEC EOFY cocktail party @ Southern Cross Club 1. Warren Buttriss, Michael Branch and Chris Butler 2. Sheree Crothers, John Mann, Lynne D’Aquino and Beau Bahpyu 3. Brett Anderson, Maryanne Gore and Roger Soong 4. Faye Green, Keith Anderson and Margaret Head 5. Dom Mackenzie and Stuart Fisher 6. Irena Sokorski, Olivia Goddard and Daniella Dries

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Chamber of Women in Business @ Daltons Book Shop 1. Meredith Wright, Laurie McDonald and Kelsey Padjen 2. Kylie Watson, Anna Gray and Emma Street 3. Claire Connelly, Casey Fox, Christina Huesch and Carolyn Queale 4. Nadia Sams, Jan Wills, Barbara Campbell and Katie Hakes 5. Kerry White and Amanda Mackenzie 6. Danielle McGettrick, Fiona Allardyre and Penny Ponder 7. Debra Beerworth, Adrienne Cottell and Barbara Baikie

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Capital Region BEC networking breakfast with Dr Chris Caton @ Airport international Motel 1. Anne Prendergast, Colin Emerson and Yvonne Thomas 2. Ross Corrigan and Leanne Corrigan 3. Chris Caton, Chris Faulks and Steve Jamieson 4. John Paul, Lydia Teodorowych, Jasmin Blake and Sharon Keating 5. Michael Mallon, Hugh Chalmers, Fran Mallon, Graham Baxter and Robert Holgate 6. Ken Roberts, Craig Painter, Tina Antonas and Andrew Cole

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Farewell drinks for Michael Eley @ Watts McCray McGuinness Eley 1. Linda Crebbin and Norm Headland 2. Ron Friesen, Stuart Cameron and Jayson Hinder 3. Phil Davey, Di Simpson and Michael Eley 4. Julie Dobinson, Linda Crebbin, Lois Clifford and Sue Connor 5. Joseph Tallarita, Debra Parker, Ron Cahill and Ken Hubert 6. Tash Nolan, Carol Elizondo and Bree Cullen

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Be seen in b2bincanberra.com.au T 02 6161 2751 advertising@b2bincanberra.com.au

networking

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Canberra Business Council Connect @ Robbo's Motorcycles 1. Ron Thompson, Col Macauley, John Williamson, Kris Macauley, Brand Hoff and Jay Gamboso 2. Jerome De Rose, Yan Lam, Christian Rasmus and Paul Stapleton 3. Chris Faulks 4. Carolyn Queale 5. Michael Doyle, Gary Beck, John Faulks and Ian Drayton 6. Ken Roberts, Darleen Barton, Carolyn Queale and Scott Chamberlain 7. Darleen Barton

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Breyk-throo networking breakfast @ Hyatt Hotel Canberra

1. Malcolm Wybrow, Ricci Cragg and Sander Warrener 2. Clyde Muthukumar, Donna Cox, John Pennay and Carly Francis 3. Andrew Darbyshire, Katrina Wybrow and Lindsay Watson 4. Adam and Joanna Lubinski, Jeremy Watson and Peter Gendle

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We’re all on a journey to the future, and sooner or later we realise that our future will be decided by the steps we choose to take now.

sciences, sports studies, communications, applied science, forensic science, law and many more. Check the website for full details.

Prepare for your next step with a career enhancing postgraduate qualification from the University of Canberra.

FOR MORE INFORMATION

There are a range of courses available in arts and design, business and government, education, health, information

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networking

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Ernst & Young Canberra Finalists for Entrepreneur of the Year 2010 @ Canberra Glassworks 1. Bill Delves, Neil White and Steve Hardy 2. Mark McConnell and Rob Forbes 3. Brendan Bilsten, James Palmer and Michael Snare 4. Anna Pino, Mark McConnell and Greg Boland 5. Phil Sloper, Dominic Dolan and Peter Yuile

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Vinnies Canberra CEO Sleepout 2010 @ Canberra Glassworks

1. Tony Muckle, Gary Rumble and Michael Will 2. Tim Benson, Andrew Sykes, Tim Hyde, Frank Lopilato and Rod Drury 3. Peter Himmelreich, Charles Bishop, Grace Stephenson and Donna Cox 4. Rod Miller, Frank Lopilato, Tony Muckle, Henri Kriegel, Jhay Mannand Ged Stenhouse 5. Michael Taarney and Richard Bialkowski 6. Evan Brett, Ara Cresswell, Allan Leischke and Frank Brassil 7. Laurie McDonald, Rod Hatch, Tim Hyde and Meredith Wright

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Canberra's Website Experts

Professional Education Courses

UNSW@ADFA is a campus of the University of New South Wales and is located at the Australian Defence Force Academy in Canberra. UNSW@ADFA offers a range of postgraduate programs and Professional Education courses for the general community and Defence personnel. These courses provide stimulating learning and networking opportunities within a supportive environment.

Courses offered in July – September 2010: Communications and Information Systems Basic Communications Principles ......................................... 16-18 Aug Modern Communication Systems........................................ 19-20 Aug

Enterprise Architecture Introduction to Enterprise Architecture ................................19-20 Jul Systems Planning ................................................................................21-23 Jul

Management Strategic Human Resource Management.................................. 6 Aug

Occupational Health & Safety/Laser Safety Laser Safety 1 Day (Canberra) .........................................................13 Sept Laser Safety 1 Day (Melbourne) .....................................................20 Sept Laser Safety 4 Day (Melbourne) ............................................. 20-23 Sept

Project Management Complex IT Project Management .............................................28-30 Jul Introduction to Project Management ......................................2-4 Aug Software Project Management .............................................. 28-30 Sept

Systems Engineering Introduction to Systems Engineering......................................... 9-11 Aug Systems Engineering Practice .......................................................12-13 Aug Requirements Engineering ................................................................. 6-8 Sept

Systems Thinking Systems Thinking and Modelling ...............................................20-22 Sept Most of these courses can be tailored for in-house delivery.

A number of our courses can also be used as credit for eligible postgraduate programs.

E: bsu@adfa.edu.au T: (02) 6268 8421 For information about more than 70 courses visit:

www.unsw.adfa.edu.au/ads/b2b Cricos Provider Code: 00100G

networking

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UNSW Alumni Cocktail Party @ National Portrait Gallery

1. Yvonna Gruszka, Michelle Davison and Karen Leung 2. Michael Kenderes, Jessica Kormelinik and Peter Strang 3. Alicia Watson, Ian Walker and Jacqueline Peterson 4. Brianna and Timothy Heseltime, Rodney Power and Judy Gould 5. John and Narelle Caligari, Maree and Paul Petersen, Zac Zaharias and Janet Gahan 6. Gurdip and Sukhi Sahota, David Paterson, Shirley Ramsay and Charles Mezzaros 7. George Natley, Lynette and Douglas Boast and Dianne and David Nockels 8. Matthew McNeill, Danica Robinson, David Lovell and Christine Debono

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We work with you and your people in: • Training and development • Facilitation • Mentoring & coaching • Consulting • Cultural audit & change We provide tailored solutions focussing on: • Enhancing communication skills • Mindfulness, well-being and self-worth • Maximising team performance • Managing life and organisational change • Leadership and followership • Pre-empting emerging challenges • Developing a service mentality Contact Barbara Baikie on (02) 6230 2210 barbara@wickconsulting.com.au www.wickconsulting.com.au Specialists in

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sleepless nights?

As winter sets in and its harder to get out of bed in the morning, is staff productivity and their motivation causing you to have sleepless nights? Rest assured, you’re not alone!

Randstad’s 2010 World of Work Report, recently released, has revealed that managing the productivity of the workforce is one of the 10 burning questions keeping business leaders awake at night.

To help you get a good night’s sleep, register for your copy of the report by visiting www.randstad.com.au

b2b.indd 1

11/06/10 1:56 PM

“With Bendigo Business Banking I get a direct line to personal service.”

business

There’s no single thing that makes business banking with the Bendigo better. Instead, it’s their commitment to putting my needs first that’s made all the difference.

So if you’re after the kind of business banking that makes life easy and saves you time and money, there’s only one bank you need to know. You need to know the Bendigo.

I can speak with my Business Banking Manager whenever I need to – either in person or on the phone. And he actually understands my business and banking needs.

For a direct line to personal service call into your nearest branch:

Of course, the right products are important too.

Whether I’m banking cheques, dealing with suppliers, selling online, purchasing equipment, borrowing to grow my business, paying staff or investing for the future – the Bendigo has everything I need to start, run, grow or finance my business successfully.

• Calwell Community Bank® Branch, Shop 19 – 21 Calwell Shopping Centre, Webber Crescent, phone 6291 3385 • Wanniassa Community Bank® Branch, Unit 13 – 14 Wanniassa Shopping Centre, Sangster Place, Wanniassa, phone 6231 9024 • Canberra branch, 161 London Circuit, Canberra, phone 6290 9700

• Jamison branch, Shop D05 Bowman Street, Jamison Plaza, phone 6253 0088 Bendigo Bank Limited, The Bendigo Centre, Bendigo, VIC 3550. ABN 11 068 049 178. AFSL 237879. (S28565-6) (04/10)

www.bendigobank.com.au