September Profile Magazine 2013 by Kara de Schot Creative + Marketing

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contents

in this issue 10 people Jan Becker 12 view Sue Frost 14 success Danielle Gjestland 16 future Lisa Harrison 23

cover – she wolfe Kristie Kahler

ladies at lunch

p56

39 wealthy’n’wise business promotion 98

23 16 14

the last word Joh Bailey

features 75

SCBWN awards

love cotton tree

p50

life 60

live well

mystyle 52

profile loves

the beauty spot

vanity case

style counsel

business

Love

COTTON TREE

business spotlight

the panel

p50

regulars 4

editor’s note

pinboard

he says, she says

36 win 38 briefcase 50 abode

september 2013

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editor’s note

I Ingrid Nelson EDITOR / journalist

CONNECT WITH US facebook.com/profilemag pinterest.com/profilemag twitter.com/profilemag www.profilemag.com.au

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t never fails to amaze me how many outstanding business women we have here on the Sunshine Coast. There must be something in the water to produce such a collective of entrepreneurs! Even more impressive is the fact that many of these clever women are so young and our gorgeous cover girl Kristie Kahler is a shining example of this! Blessed with brains and beauty, this Sunshine Coast girl is the designer and founder of cutting edge label Winston Wolfe, already an international sensation with an incredible 14,000 loyal followers on instagram and growing. Her last three collections sold out before the pieces were physically available and her designs have already found their way into the wardrobes of high-end celebrities, gracing the pages of the national fashion magazines in the process. Kristie is certainly one to watch and we are lucky enough to get to know her and learn more about her remarkable journey in this issue. Also in this edition we meet award winning business woman, Jan Becker CEO of Becker Helicopters. From humble beginnings operating in a run down tin shed using an old grass airport at Noosa, the business is now an internationally recognised training facility, employing 70 people. Digital guru, Lisa Harrison, shares the power of social media with us and reveals how she helps businesses unlock the secrets of online marketing, while Danielle Gjestland, former young restaurateur of the year and owner of revered Noosa restaurant Wasabi, shares her culinary journey with us. I also caught up with a gorgeous bunch of ladies to chat about the challenging work/life balance this month, and as always we bring you all the latest in fashion, beauty and homewares. Don’t forget to check out our social pages and what has been happening on the Sunshine Coast’s calendar, as well as what’s coming up. So here’s a big cheers to the wonderful business women who call the Sunshine Coast home. What an incredible example you set to all our young girls (my own daughters Chloe and Paris-Rose included).

the women in business issue

RELAX, SHOP, EAT OR HOLIDAY! PLAN YOU R PERF ECT DAY OUT AT THIS BUS TLIN G HOT SPO T

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Discover your potential at Immanuel Lutheran College • Outstanding academic record • Unique life skills and outdoor education program at our Mt Binga campus • Extensive cocurricular opportunities • P-12 with separate Early Learning Centre • Small classes in a caring, Christian environment • A sense of community like no other At Immanuel, we don’t just prepare our students for exams, we prepare them for life. So contact us today, to discuss your child’s enrolment or to book a tour.

Immanuel Lutheran College 126-142 Wises Road Buderim, Queensland 4556 T: 07 5477 3441 E: dabineti@immanuel.qld.edu.au

www.immanuel.qld.edu.au

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Act 4 Tomorrow Separation Consultancy september 2013

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7 to 8 september

27 September

28 september to 5 october

real food festival maleny

400 co official launch party

kenilworth celebrates festival

Take your taste buds on an authentic culinary adventure and celebrate the Sunshine Coast Real Food community at the Real Food Festival. Held at the Maleny Showgrounds from 9am to 4pm daily, the festival will host more than 120 exhibitors offering the best local produce and food services from paddock to plate. Entry is $15 for a daily adult pass and children under 16 are free.

The 400 Co is hosting an official launch party for the release of its Spring/Summer Corporate Online Women’s Clothing Collection. A soiree with drinks and entertainment provided by new ‘it spot’ in Brisbane, Capulet Bar, a fashion parade, canapes, pop-up shops and gift bags for all guests filled with everything from pamper vouchers to Noosa Chocolate Factory Dark Chocolate Rocky Road!

Kenilworth’s Town Festival, with music, street entertainment and markets, is held on the weekend of 28 to 29 September. The Art Festival, including exhibitions and workshops, is also a major attraction and extends from 28 September to 5 October, 2013. Visit the ‘bush behind the beach’ to relax and enjoy the beautiful scenery and clean green environment.

www.realfoodfestival.com.au

www.the400co.com.au

www.kenilworthcelebrates.org.au

donna morris and kelly pendlebury

russ bullen and celena ross

belinda wood, jules o’neil, essena o’neil and sammy quilligan

Profile Magazine August Launch Party What a fabulous success our August launch party was last month at our brand new Profile offices. Sincere thanks to the wonderful supporters who came along to enjoy the evening with us and celebrate the new look magazine which is bigger and better than ever. Elliotts Fine Foods did a stellar job serving us their delicious morsels, and a great evening was had by all. We will continue to celebrate the launch of each issue of our fabulous Profile magazine with a soiree each month for valued clients and supporters, at the Profile office, as a thank you for your continued loyalty. renee blackwell

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, maree and michae

l millar

geoff and leanne peters

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if you would like your event to be featured in an upcoming issue of profile magazine please email the details to editorial@profilemag.com.au

editor Ingrid Nelson

business development manager Belinda Brill

creative director Kara de Schot

graphic designer Johanna Jensen, Danielle Murphy

sales manager Maree McGrath

sales support Anna Rawlings

feature writers Tonia Zemek, Jessica Jane Sammut, Anna Rawlings, Tara Cooper

photography Tanya Chesterton Smith, Michelle Natoli

email or call / fax

29 september

4 october

info@proﬁlemag.com.au or 5451 0669 / 5475 4405

jimmy barnes in concert

careflight rescue gala ball

Beach on Sixth, 104 / 65 Sixth Ave, Maroochydore

Lake Kawana Community Centre is hosting a legendary night of Aussie music with Jimmy Barnes live in concert at 8pm. A great chance to sing along to all the classics! All tickets $68 and all ages welcome.

Renowned as the Sunshine Coast’s night of nights, this premier black tie event is a dazzling celebration of the sensational work that the team at the RACQ CareFlight Rescue Helicopter service undertake every year, caring for our community. The theme this year is ‘A Night of Royal Indulgence’, taking place at the Novotel Twin Waters Resort. Tickets are $199 per person or $1990 for a table of 10.

www.scvenuesandevents.com.au

www.careflightgroup.com

drop in post PO Box 1065, Cotton Tree, QLD 4558

advertising 5451 0669, sales@proﬁlemag.com.au

distribution 20,000 free copies are street delivered to high trafﬁc areas such as high-end cafes, fashion boutiques, hairdressers and professional ofﬁces across the Sunshine Coast and Brisbane, monthly, and online along with an eMAG sent to 6000 inboxes monthly

subscriptions www.proﬁlemag.com.au/subscription, $65 +gst (12 issues)

accounts Katherine Allan – accounts@proﬁlemag.com.au

Robyn Pregnell and Helen McGowan

This is one of the most beautiful things I’ve ever read, and to be about me, I am just blown away! James Carruthers and Kate Arms

Kristie Kahler

trong

Prickly Pinata Opening Night More than 80 guests, including Profile’s Belinda Brill, packed the all-new fresh and authentic Mexican cantina in Cotton Tree, The Prickly Piñata, for their opening night last month. The evening allowed friends and family the opportunity to taste a variety of dishes on the menu before the eatery officially opened its doors to the public. (The newest kid on the block in Cotton Tree, The Prickly Piñata, it has received great reviews so far and is sure to be a hit with local diners.)

natise novella and penny lane

september 2013

Scallop Crudo

We had such fun at our cover shoot with the stunning Kristie Kahler of Winston Wolfe for our bumper September issue. This clever young entrepreneur not only has amazing business acumen but she is gorgeous and lovely to boot. Impressively, Kristie did her own hair and make up for the shoot and her incredible walk-in wardrobe, complete with chandelier made us all extremely jealous! Shot on location at Kristie’s home, it was the perfect backdrop for the edgy look we wanted to achieve. Thank you as always to our very talented photographer Tanya Chesterton Smith for capturing such beautiful images. Profile Magazine is a free publication (subscriptions available) published 12 times a year by Think Publications Pty Ltd ATF Profile Mag Trust. All rights are reserved and the contents are copyright and may not be reproduced without the written consent of The Publisher, Think Publications Pty Ltd ATF Profile Mag Trust (“The Publisher”), their related companies and officers hereby disclaim, to the full extent permitted by law, all liability, damages, costs and expenses whatsoever arising from or in connection with copy information or other material in this magazine, any negligence of The Publisher, or any persons actions in reliance thereon. Any dispute or complaint regarding placed advertisements must be made within seven days of publication. Inclusion of any copy must not be taken as any endorsement by The Publisher. Views expressed by contributors are personal views and they are not necessarily endorsed by The Publisher.

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he says, she says

Whether you’re a lawyer, a baker or a candlestick-maker, nearly all of us have a boss. So which is better? Male or female? It’s a fine line, and one which Todd and Sami from Hot 91.1FM walk as they discuss the pros and cons of girl-power versus big-cheese-boys. sami and todd

he says

She says

he question of male vs female boss feels like one of entrapment. It’s like the age old ‘Hey babe, which pair of jeans makes my bum look less large?’, or ‘Be honest, of all my friends, who would you most like to sleep with?’. Both male and female bosses have plenty of advantages. For example, last month when Channel Ten killed off Nina’s baby-daddy in Offspring, a female boss would have granted you a few days personal leave to grieve. On the other hand, a male boss would have insisted three or four days off to drink away our Ashes blues. You see, both have merits. I’ve worked for a bloke and a lady in my time. I feel each experience was ace. The female boss was a bit of a looker and was keen to look after new mums by introducing a crèche into our workplace. This reminded me of the movie Police Academy 7: Mission to Moscow. In theory, it looked like fun and could have been really entertaining, but in reality it was far from amusing. Please don’t think I’m not up for a crèche in the workplace, I reckon it’s a top idea, but then I also think ‘Nachos in a Can’ is a great invention. In a similar vein, my male boss tried and sadly failed to get unanimous love for a sports bar at work. His plan was a fully functioning saloon style retreat with a pool table, a big screen telly TAB, an air hockey set-up and wall-to-wall Wi-Fi so you could use your laptop and be all over your work like the bum crack on a streaker at the footy. Needless to say, both concepts failed to get up, but it certainly showed both male and female bosses have their merits and given half the chance, are as generous and creative as each other. The only advantage I have truly experienced working for a bloke was his unquestionable understanding and support during the times I was near death with a man cold. While a woman would have dismissed my suffering, a male boss loads you into an ambulance and sends you straight home.

emale bosses are accused of being bitchy, hormonal and incapable of leaving their personal lives at home. These results have come in from an international survey that has proved that two thirds of employees, both male and female, say they would rather work for a man than a woman. Well I say Hallelujah! I totally agree. It is our right to be hormonal and it is a weapon. No bloke, no matter how tough he thinks he is, can stand hearing about ‘women’s issues’ or the fact that once a month we sometimes need to eat two litres of rocky road ice cream and we may throw things at your head if you so much even look at us the wrong way. And you know what? That thing about being incapable of leaving your personal life at home? Well, I love it. I love knowing all the dirt going on in the life of my work buddies. For example, Mark, the guy who sits next to me has three ex-wives, is a Libran, and has a gorgeous fiancé who once graced the pages of that classy magazine Playboy. His life is very much Fifty Shades Of Grey. Todd sits next to Mark as well, but when I asked him what he knows about Mark, his reply was somewhat shorter. “Big fellow with a good beard, drives a Volkswagen and his missus is smoking hot.” Blokes just do not operate in a sticky beak way. They talk about sport and boobs. They do not really care that Nina is going to have to raise that baby by herself. And my last argument to prove why female bosses are in fact better than male bosses: multi-tasking. Women can be on the internet, thinking in our head what we will make for dinner, have Facebook running, be calculating the work’s budget, be holding a conversation on speakerphone, be filing our nails, be eating, be checking our text messages and wishing we were in France collecting flowers all at the same time. The only time, in fact, we cannot multi task is if we have a headache, if you get my drift. We just have to focus on the headache in those cases.

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september 2013

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people

words tara cooper ll photos chesterton smith photography

Jan Becker is riding sky high on success. The CEO / founder of Becker Helicopters, she has an impressive swag of achievements under her captain’s belt – yet her innate ability to remain grounded has been the key to her business’s prosperity, she believes.

an – a pilot, a nurse, a midwife, a guest university lecturer and a business events speaker – has taken out five Premier of Queenslands Export Awards (and scored finalist for five other Export Awards), the GIO Excellence in Business Award, QLD Ministers Training Award, not to mention the London’s Chief Pilot and Chief Flight Instructor Award. She was also a finalist for Young Manager of the Year in 1999 and the winner in 2000. And if this isn’t enough, her company has just achieved its most recent accolade – the Telstra Australian Business Award. Motivated by her 16-year-old daughter’s experience with cervical cancer, Jan is on the Cherish Foundation’s Board of Directors and is a former student at the prestigious Harvard University. That is one mean curriculum vitae! But her career began as a nurse in the Northern Territory, where the fresh faced 19-year-old wooed her now husband and co-director of Becker Helicopters, Mike. With Mike’s interest in flying, and Jan hailing from a family of pilots, they instantly hit it off. With love in the air and only a single backpack of clothes between them, they set out with a one-way ticket to Papua New Guinea – an adventure Jan describes as the highlight of her life. “I worked in the villages, at a hospital in Kimbe. The nursing work was very raw, very tragic and very different. It was about survival of the fittest in those villages. So many babies died of tetanus because the mothers used a rusty old can lid to cut the umbilical cord. I saw up to 30 babies die and 90 unclaimed babies in the morgue – but villagers didn’t mourn for their deceased babies the way we do here, they just got on with life.’’

profilemagazine Jan Becker

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Having grown up in Singapore, with an appreciation for different cultures and religions, Jan was somewhat seasoned to the harsh realities of other mindsets, and took her PNG experiences in her stride. “I loved the diversity of PNG and the different languages spoken in the villages. There are 900 different dialects in the country.’’ Kicking back with Jan, who is down to earth and friendly, in her no frills yet neat Becker Helicopters office, she reveals a particular incident in PNG she’ll never forget. “We took a medevac offshore to one of the villages in the mountains. However, Mike couldn’t land (the helicopter) where the hut was, so he dropped me off and I walked some 20 minutes to get there. Villagers had to eventually cut down the trees for Mike to land. There was a woman who’d lost a lot of blood after just having a baby and was extremely sick. We had to bleed her husband and relatives for their blood in order for the woman to survive.’’ After six years in PNG, Jan and Mike headed to Sydney, where Jan worked at King George V Memorial Hospital before moving to the Sunshine Coast to fulfil her dream to start a family, learn how to fly and establish their helicopter pilot training and charter business − Becker Helicopters. What started off as a two-man gig and only one Bell 47 1963 helicopter named Oscar 17 years ago, now boasts a fleet of 18 choppers and 70 staff. But it certainly wasn’t an overnight success, explains Jan. “It took a year just to get the approvals. Mike did all the flying and with a new baby and an 18-month-old, I did the follow-up phone calls at night. “But we had an organisational plan. We had tenacity, a dream and a sense of courage. We knew it wouldn’t be a get-rich-quick scheme. It took 10 years to lay the foundations. We developed training DVDs, books and worked hard marketing the business.’’ Once a good chunk of the debt was paid off, Jan and Mike spread their wings to the global economy − an integral part of the grand plan. “We never wanted to be pinned solely to one economy in case things went wrong. We signed our first big international contract in 2009. We trained four of the first national helicopter pilots in East Timor.’’ Becker Helicopters has trained over 700 pilots in the emergency services, flood relief, sling load and corporate executive arenas. They have also chartered several big name celebrities – names of whom Jan remains tight lipped about. In addition, Mike provides the chopper service for Foxtel, filming the annual offshore powerboat-racing event. Becker Helicopters was further heavily involved in the 2011 Ipswich floods, with Mike the face behind several heroic rescues. Jan maintains the key to a successful business is “being true to yourself”. “People will tell you what you can’t do, but you’ve got to stay true to yourself. If one way doesn’t work, try another way and keep your dream. Also, don’t be posh. Stay genuine. The fundamentals are important too − you must be organised and have a plan. Mike and I have always been very goal orientated. We pay a lot of money for professional advice as well − you cannot be a specialist at everything. You have to recognise when you’re not good at something and ask someone else.’’ Jan admits businesses will always have their challenges. “We lost a $600,000 contract with Ansett and three other big contracts at once, so we went from four contracts to none. We also went from 10 staff to five, which was very demoralising. But we had to stay true to ourselves and our product, because we knew eventually someone would notice us. We re-wrote our strategic business plan to survive.” But Jan admits running a business isn’t for everyone and that you can still achieve your dreams working for someone else. “Be careful what you hope for. Some people think running a business is easy, but it’s not. You’ve got to be realistic, have a solid plan, seek good advice and start small. Just believe in your dream, whatever it is.’’

september 2013

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view

the women’s lifestyle expo team of organisers, clockwise from top left: ruth halsall, Margaret ting, Julianne jones, barbara pugh, Sue frost and michelle jackson

ll photo by starshots, maroochydore

Leadership. Without it, ships of thought would sail blindly in oceans of ideas. Behind every venture that comes to fruition is a captain, and no one is more experienced and capable at steering a team into safe and successful waters than Sue Frost.

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ot many of us can say we have been with a business from its birth to its current size and form. Sue Frost, however, has had the privilege of being the Coordinator of the Women’s Lifestyle Expo for five years – from inception to its present day success. On the journey of developing Women’s Lifestyle Expo from a dream to a reality, one of the most foundational building blocks has been the strong leadership and team-building program. Sue believes that to be successful in leadership it is important to realise it is not just about a great vision, a strong motivation or leading a team. It is about BUILDING a team.

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It doesn’t always have to be about work. Sometimes it just needs to be about fun, enjoyment and relationships.” Sue knows that leadership is too often seen as one person who issues tasks to those below them. Sue believes this is no basis for making progress, understanding that people need to receive some sort of satisfaction and fulfilment to warrant their time and energy. “As a leader it is vital to identify the potential in a person and position them so that they have the best opportunity to use and develop this,” Sue explains. In Sue’s experience in building the Expo team, such a strategy has proved to be a win-win situation where both the individual and the vision have worked together at optimum efficiency to achieve the common goal. “In order to harness the incredible talent of those who are willing to volunteer, it is important to spend time with the individual to assess their passion and potential, in addition to their ability to lead others. Passion energises people. To place people according to what they love and are passionate about means they will have an innate energy with a will to achieve, enabling them and their project to flourish. This leads to fulfilment for all concerned.” Clearly, Sue’s approach is one of the reasons why the team of Expo volunteers produces such successful results. However, it is one thing to perceive the potential in another person, but it can take time and patience to develop that potential. Sue has found that by taking the role of mentor, she is best able to guide people through new and unchartered territory. “Mentoring creates safety and accountability in the context of building a relationship between a leader and a team player,” Sue explains. As a leader who mentors, Sue believes it is essential to take a personal interest in her team members, and to care and encourage them outside of their job profile. Communication is a key factor for her. “Team meetings are a way of creating synergy and open communication between team members,” Sue reveals. “Apart from keeping everyone on the same page, it creates opportunity for ownership. Allowing individuals to contribute ideas and possible solutions, builds collaboration. Open discussion about concerns and problems, along with regular evaluation as a team, helps to identify weak areas.” For Sue, the most enjoyable aspect of her role is the victory party for the team, along with the celebration of individual successes and achievements. “It doesn’t always have to be about work. Sometimes it just needs to be about fun, enjoyment and relationships,” she smiles. With over 100 volunteers and seven team leaders that allow the Women’s Lifestyle Expo to happen each year, Sue is a strong advocate of good leadership and team building. Sue Frost may be the front person for Women’s Lifestyle Expo, but there are many arms and legs that make it happen. Sue has always, and will continue to, remain grateful for all the wonderful people that are an integral part of making Women’s Lifestyle Expo what is today.

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september 2013

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success

It was extremely daunting. I donâ&#x20AC;&#x2122;t think I fully understood what I was getting myself into.â&#x20AC;?

words tonia zemek ll photos chesterton smith photography

Danielle Gjestland

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success

Sharing her childhood kitchen with Japanese exchange students was the culinary catalyst for Danielle Gjestland’s grown-up Asian adventures. Since then she’s been awarded Young Restaurateur of the Year and picked up two coveted Chef’s Hats. Profile’s Tonia Zemek says konnichiwa to the wonder woman of Wasabi Restaurant and Bar.

hen I holidayed in Japan I felt a little like Scarlett Johansson – I too found myself lost in translation. Without my guide, I would have been scared to venture outside my hotel. To a foreigner, the language and pace of Tokyo can be confronting. Thankfully, with a little help from my translator, I was able to embrace Japan with a fervour that surprised me. The cuisine and culture quickly had me transfixed. My holiday snaps document a time of exploration and exhilaration unparalleled in my western world. And Sunshine Beach’s Danielle Gjestland feels the same way. “I think it’s amazing that, despite being so technologically advanced, Japanese culture is still incredibly important to the population and it’s regularly celebrated,” she says. Thanks to her restaurant, Wasabi, that celebration continues at Noosa Sound. So, how did a girl from Sunshine Beach build her own little eastern empire here on the Coast? Well, it all began when her parents took in Japanese exchange students. As a consequence, Danielle’s love of cooking was well established by the time she hit primary school. “I was always asking the exchange kids to teach me how to cook what their mothers cooked for them,” she remembers. Experimentation turned to inspiration and before long she was hooked. Her other great love was travel. So after finishing high school, she moved to Brisbane to take up a diploma in tourism and hospitality. Upon graduating, she secured her dream job working for a travel agency. “The company was a tour wholesaler as well, so I got to construct and guide tours all over the world,” she says. “It was fantastic. I travelled to China, Canada, Dubai, Alaska and Europe.” The travel bug had well and truly bitten and by her early twenties, Danielle decided to relocate to London. She landed a job on the front desk at Claridge’s, an iconic five star hotel that until recently was home to one of Gordon Ramsay’s restaurants. “Claridge’s is an institution and I was extremely flattered to be offered a job there,” Danielle fondly recalls. Fate had more flattery in store for her in the shape of a handsome young man, Ptor. The pair had been introduced by mutual friends before Danielle left Australia. Ptor followed her to London and eventually convinced her to quit Claridge’s and travel through Europe with him. “Spending seven months in a car with only each other and European radio for company was a very good way to get to know one another,” she laughs. Danielle admits she and Ptor are opposites. “He is very outgoing and spontaneous, whereas I am conservative and it takes me forever to decide what I want to do.” The Chinese call that kind of chemistry yin and yang, but these two call it marriage! Before saying ‘I do’ however, Danielle committed to another brave endeavour back home. At just 24 years of age, she opened a Japanese restaurant in Sunshine Beach. She named it Wasabi and was determined to introduce locals to her favourite country and cuisine. “It was extremely daunting. I don’t think I fully understood what I was getting myself into.”

september 2013

She hired a qualified Japanese chef and adopted a gently-gently approach with her patrons. “I had to be patient because so many of our clients were new to Japanese food. A lot of people would come in and order their sashimi lightly grilled. I had to explain to the chef that, although it might have sounded crazy, this is what we needed to do in order to introduce people to the cuisine, and slowly they’d grow to trust us and try new things.” Her patience eventually paid off and Danielle went on to be awarded the 2009 Electrolux Appetite for Excellence – Young Restaurateur of the Year. The accolades have continued this year, with Wasabi taking out its second Chef’s Hat while also being awarded Queensland’s Regional Restaurant of the Year by the Good Food and Travel Guide. Further, Australian Gourmet Traveller voted Wasabi the state’s number one regional restaurant. Despite being honoured to have received industry recognition, Danielle admits her real reward is seeing loyal locals and tourists return to Wasabi year after year. “It has been fantastic to share the journey with them; they’ve learnt from us and we’ve learnt from them.” Her attitude of gratitude extends to her family and parents, who have both been incredibly supportive throughout Wasabi’s 10 year evolution. When Wasabi moved from Sunshine Beach to its new home in Noosa Sound, Danielle’s mum helped with dressing the interiors and her builder father constructed the traditional tatami room. “They have been a huge support and there is no way I could have done this without them,” Danielle says. They’ve even donated part of their Pomona acreage for Danielle to grow Japanese vegetables, using traditional Japanese farming methods. Authenticity is key to the Wasabi kitchen and the restaurant’s entire philosophy. At the end of every shift, Danielle tells her team “otsukaresama deshita”. Roughly translated, it means “thank you, I appreciate you for working hard”. I’m sure her patrons feel the same way.

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future

words tonia zemek

photos chesterton smith photography

Marketing guru Lisa Harrison recognised the power of social media early on. Now she’s designed a course to help businesses unlock the secrets of digital marketing. In 2012 she was named Sunshine Coast Professional Business Woman of the Year and today her star continues to rise, as Tonia Zemek discovers.

hroughout this period of electioneering, there’s been a lot of talk about using social media to connect with voters. When Kevin Rudd posted a selfie of his shaving mishap, the Twitterverse erupted. So, I’m keen to get an expert’s opinion on whether or not politicians should be going to the web before going to the polls. Lisa Harrison runs Social Media Mastery, a government-accredited course she designed to teach businesses how to use online strategies to engage customers. So she’s the ideal candidate to talk tactics. Although she won’t be drawn on party politics, she does admit that enlisting the help of cyberspace is a powerful way to bring attention to any cause. “Social media is helping consumers connect with like-minded people,” Lisa explains. “So we’re building communities around different topics. One person can be in several different communities and the power comes from being an influencer of people within those communities.” Offline, Lisa herself has found a social group she cherishes. Her home in Rosemount is her haven. “I grew up in Brisbane but I’ve always had a connection to the Sunshine Coast. When I first got my licence I used to jump in the car and drive up here on weekends. My goal was to live on the Coast.” Seeing plans come to fruition is a recurring theme in Lisa’s life. After deciding to build a career in marketing, she landed jobs with Birch Carroll and Coyle, and even the Ekka. “I was like a sponge in both of those roles because I knew how hard it was to get into those positions, particularly in Brisbane, so I made the most of it.” Unfortunately it wasn’t all plain sailing. In her late twenties, her marriage broke down and she found herself feeling isolated with two young children in tow. “Social media was kind of a lifeline for me at that time,” she admits. “I could post photos and have contact with friends on Facebook and still feel connected.” She also took solace in her studies, eventually completing a Bachelor of Creative Industries, majoring in Media and Communications. Along the way, she met her partner Stephen, who was running his own creative design agency, POMO, in Fortitude Valley. The pair, along with Lisa’s two children, made the move to the Sunshine Coast in 2008 and Lisa took on the role of promoting POMO through social media. “It really became my passion. I had so many clients wanting to know how to use this technology, so I began running workshops about Facebook, blogging and Twitter.”

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lisa harrison

From there, she developed Social Media Mastery, a government-accredited course to teach businesses the strategies needed to engage customers online. Lisa says many people misunderstand the importance of having a social media plan. “In terms of a business, their online presence should be monitored, reviewed and implemented with an appropriate calendar that reflects their brand’s aims and objectives.” Lisa’s logical and accessible approach to digital marketing proved a powerful combination. In 2012 she was contracted by the Brisbane City Council and the Queensland State Government to teach flood-affected businesses how to connect with their customers online. Last year was certainly a busy time for Lisa. The Sunshine Coast Business Women’s Network awarded her the Professional Business Woman of the Year. She says she was thrilled to be a finalist and wasn’t expecting the win. “The day before the announcement, I bought myself a crystal bracelet as a reward for just getting short-listed,” she laughs. Next year Lisa plans to expand her course into Western Australia and with other ideas brewing too, I’m predicting plenty more bling coming her way in the future.

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on the table

6 Italian saus

ages

1 garlic clov e 1 carrot 1 stick of ce 1 small onio

lery

2 x 400g tin

s of diced to matoes 1 tbsp of tom ato paste ½ cup of whi te wine (not sweet) 1 tbsp of oliv e oil

From Blending the Cultures by Tanya Bartolini Finding it hard to get young children to eat their vegies? Disguise them! Wise words from Tanya Bartolini, creator of The Everyday Cook Network. Tanya always knew she loved to cook, but it wasn’t until she took maternity leave from her accounting career and gave birth to her first son that she realised she wanted to do it for a living. “I process the vegetables until they are so fine, my son doesn’t notice them – but he gets their goodness anyway!” says Tanya. So Tanya developed The Everyday Cook Network. Her aim for the network is to create a forum of food-lovers who can interact with each other – sharing recipes, tips and tricks for improving dishes. While establishing the network, Tanya has written her family history, interweaving it with delicious Italian recipes to create her first cookbook, Blending the Cultures. For more information visit www.theeverydaycooknetwork.com Profile is offering readers the chance to win one of five copies of this wonderful book, Blending the Cultures. Simply visit our website at www.profilemag.com.au, go to competitions and enter your details.

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Method Using a small knife, remove the casings from the sausages and set them aside. Peel the garlic and the onion. Chop the celery, carrot and onion into pieces small enough to fit into your food processor. Whiz them in the food processor for about 30 seconds until you have a fine pulp. Fry up the pulped vegetables in one tablespoon of olive oil in a large frying pan over a medium heat. Stir occasionally as the mixture cooks through. While the vegetable mixture is cooking, use the food processor to blitz the sausage meat until it clumps together in a ball. Add it to the frying pan and cook it with the vegetables for about five minutes. Reduce the heat to low and add the wine. Cook for about one minute. Add the tinned tomato and the tomato paste. Cook through for another five minutes. While the sauce is simmering, put your pot of pasta water on to boil. Allow the sauce to simmer for as long as it takes to cook the pasta (about 20 minutes). Any type of pasta works well with this sauce. This recipe provides enough sauce for a 250g packet of dried pasta, or five serves of homemade pasta. A food processor works well for this recipe, but if you don’t have one, a grater will work just fine. profilemag.com.au

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AFTER

september 2013

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1 2 3 Call us today to discuss your home â&#x20AC;&#x201C; we guarantee we will make the building process simple for you.

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cover story

words jessica jame sammut ll photos chesterton smith photography ll shoot direction johanna jensen

Kristie Kahler is a woman on a mission. Founder of the luxe cutting-edge clothing label, Winston Wolfe, which is taking Australia by storm (already finding its way into the wardrobes of the elite fashion-forward), Kristie couldnâ&#x20AC;&#x2122;t be prouder or more surprised. Jessica Jane Sammut caught up with the clever designer to find out how her hobby has turned into a national sensation. kristie kahler

september 2013

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cover story

hen I heard I was going to be interviewing Kristie Kahler, designer and founder of Winston Wolfe, my jaw hit the floor. Excited didn’t cover it. The high-end, leather-loving fashion label, which has only just filed its first year’s accounts, is already a national, if not, international sensation. With 14,000 (and rising daily) loyal followers on instagram and three collections under its belt (all selling out in pre-sales before the pieces were even physically available), this fashion house is one to watch. Premium, cool, sexy, cutting-edge? All of the above. Winston Wolfe could easily hold its own in New York or Paris, and, in fact does. And it’s all down to Kristie Kahler – the trend-setter, the fashion rebel. The girl who chose not to accept the notion that quality and price are mutually exclusive. The girl who threw out the idea that leather in Australia was a rich chick’s plaything. The one who chose to inject a slice of überandrogynous European style into the southern hemisphere. And thank god she did. Because look at what she has created. A brand which has already been shown love by fashion leaders such as Oracle Fox, Elle Ferguson and Pip Edwards, as well as having been snatched up by leading designer shopping website, Shopbop, Winston Wolfe is not mucking around. At 25 years old, Kristie has her head screwed on. Tight. Born on the Sunshine Coast, Kristie was always creative. Attending school in Caloundra, her favourite subjects

From there, the orders started coming through, and they didn’t stop! I was amazed. It was then that Winston Wolfe took on a life of its own.”

clothers are models own and include pieces from her own collection, winston wolfe. visit www.winstonwolfe.com.au

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cover story

I’m not your typical fashionista. I am loving. I’m friendly. My family and friends mean the world to me and everything else comes second.”

consistently involved the arts, and fashion and style were her forte. “I used to have a notebook in which I would plan what I was going to wear on the weekends,” Kristie smiles. “I loved design and the sense of creating a statement.” At 17, Kristie left school and in line with her interests went on to study graphic design at the University of the Sunshine Coast. However, it didn’t fit with Kristie’s sense of borderless creativity and after one year, she found herself stagnating. “I just felt bored, I was going stir crazy. I wanted to travel, I wanted to explore. I wanted to be inspired,” Kristie explains. “I needed to do something more.” So she did just that – packing up and moving to the Gold Coast in order to spread her wings. And it was there, with great anticipation, that she opened her own clothing boutique. “It was an incredible time, full of hope,” says Kristie. “I felt I was finally doing something I loved and poured my heart and soul into my store.” However, the feelings of satisfaction were short-lived when Kristie soon realised that her financials weren’t adding up and her boutique was floundering. It was a huge blow to her confidence and after thinking she had discovered her dream job, she found she was having to consider the possibility of calling time on it. “I was devastated when it didn’t work out.” she reminisces. “I had gone away,

september 2013

branched out on my own and failed. This was not a good feeling. Ultimately, I was forced to close the boutique, and I felt very low. It really knocked me. It crushed my self-esteem and I found myself not quite knowing what to do next. It was then that I turned to my partner [famous professional surfer, Mitch Coleborn] who took me under his wing. “Mitch could see what I was going through and invited me to accompany him on his surfing tours around the world while I decided what my next step would be. Mitch travels a lot in his role, and in fact is only home two to three months of the year, so it made sense to go with him and get away from it all. I had been wanting to travel for ages, and it seemed like the perfect moment.” And the perfect time it was. Soon, Kristie found herself surrounded by the culture of Paris, the labels of New York, the cool vibe of Spain and the chic style of France, providing the fashion inspiration to start again. “It had always been my dream to have my own label, but I had never thought it was possible. Suddenly, I was surrounded by all this beauty, culture, history, attitude and art and my vision started to piece together. I would find myself on locations in different countries mentally visualising lookbooks [a collection of photographs compiled to show off a model, a style, or a clothing line], having been moved by a certain building or scene. I felt like I was drinking in the creativity. New York women especially amazed me, as they always looked immaculate, dripping in labels such as Gucci, Céline and Balenciaga, just to pop down to the shops.

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cover story

“I was still wounded by the experience of my failed boutique, but Mitch and my mum kept encouraging me to follow my heart, boosting my confidence as time went by. So, in the end, over two years after the closure of my boutique, I decided to go for it. Not as a high-flying career choice, but as a hobby really. I had no idea where it would take me, but I knew that I would find it fulfilling. My goal was to provide a premium clothing line to women using luxe materials, but without the exorbitant price tag. I wanted it to be a label for the real everyday girl. And so I began.” And so Kristie did, kicking off the process by designing her debut range, securing manufacturers, naming her label (Winston Wolfe is a character from Pulp Fiction), putting together lookbooks, and posting samples online. Immediately there was interest. “I wanted to create my first collections out of beautiful leather,” explains Kristie. “So I needed to find out where I could make this happen while still managing to keep the pieces affordable. After much research, I discovered Bali was the place and I was thrilled. My dream was becoming a reality! Once I had received the samples and they had been photographed, I posted the images online. From there, the orders started coming through, and they didn’t stop! I was amazed. It was then that Winston Wolfe took on a life force of its own.” After designing two more collections (all of them flying off the shelves), Kristie was very excited to be able to move the manufacturing of her clothing range to home turf, and is very proud to now be a true Australian brand. “Having started off working out of my house and manufacturing off-shore due to finances, I now have a manufacturing warehouse here in Australia, along with my own office. It’s pure luxury!” laughs Kristie. “So I am a true

Australian label, which is an amazing thing to be able to say. By continually pumping the money I have been making back into the business, I have been able get ahead which has made this possible.” Started with no bank loan, but only the small change in her pocket, Kristie is incredibly debt-free in this venture of hers. Refusing to fall into the trap she found herself in before, Kristie this time was extremely astute, posting her collections online for pre-sales before they had even been made, enabling her to receive payment in advance of her manufacturing costs – a very clever business model, which has undoubtedly enabled the brand to grow as fast as it has, catapulting it into the consciousness of the coveted fashion collective. “I do not aspire to have my collections in every shop in every town,” smiles Kristie. “I am very fussy about who collaborates with the brand and I am keen to retain control of it. You could call me a complete control freak, because I am! Having said that, I have just given exclusive selling rights in Australia to my favourite clothing store, Tuchuzy in Bondi, and I have also agreed to have my collections stocked at Shopbop, but other than this, my dream is have a Winston Wolfe boutique in New York, one in Paris and one in London perhaps. Oh, and a flagship store on Glenmore Road in Paddington with all the other designers would be wonderful too! My wish is to sit up there one day in the fashion stakes with revered Aussie labels Ellery, Sass & Bide and Josh Goot. That would be incredible.” Extremely humble and very much your girl-next-door, a fashion glamazon, Kristie is not (by her own admission), but yet, she exudes an effortless style – a trait which screams out in the designs of her collections. “The Winston Wolfe girl is a tomboy with a super glam edge,” smirks

I was devastated when it didn’t work out. I had gone away, branched out on my own and failed.”

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cover story

I won’t put anything out there that I don’t think is perfect in my eyes.” Kristie, wickedly. “I’m talking baggy leather shorts with sky high stilettos and thick-cut jewellery. It’s clean. It’s chic. I won’t put anything out there that I don’t think is perfect in my eyes. I say ‘no’ to a lot of people who want to endorse the brand because they are not the right fit. I choose my associations very carefully and do not want to flood the market. In my mind, I am creating special pieces, for special people, for special moments. And this seems to be working well. “I’m not your typical fashionista. I am loving. I’m friendly. My family and friends mean the world to me and everything else comes second. In fact, I am quite the housewife, without being the wife! My ambition is to get married and have a child one day. The fact that I may be able to combine this with my own clothing label blows my mind.” Kristie in an inspiration to be around. Hearing her chat so candidly and humbly about this label sensation gives me goose bumps. Kristie even makes it sound easy, which I know it won’t have been. The passion that radiates from her gestures and the fire that burns in her eyes is infectious, while her commitment to doing what she loves is a lesson to us all. She was knocked down, but she got up again. Bigger and better and louder. In fact, now she’s roaring. And I, for one, can’t wait to see what this she-wolfe does next.

kristie kahler

september 2013

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ladies at lunch

all , “You can have it it all.” but you can’t do Jo Madden

Ladies at lunch is proudly sponsored by

BOQ, MAROOCHYDORE 2

1 3

VENUE Spice Bar, Mooloolaba

1. jo madden 2. dee johnson 3. angeline mclean 4. spice bar Beef Tataki 5. debbie Battaglini-Clarke 6. tasha hungerford 7. kelly pendlebury

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ladies at lunch

words ingrid nelson ll photos chesterton smith photography ll sponsored by boq maroochydore and wealthways ll venue spice bar, mooloolaba

Juggling the daily rigours of career and motherhood can be challenging to say the least. Trying to hurry the children out to school, while handing out slices of toast and simultaneously getting dressed is a skill that takes time to master! However, there are plenty of benefits to being a working mum, not least of them, financial. But can us working women have it all and stay sane?

oday’s hectic lifestyle has seen a dramatic shift in the traditional role of motherhood from when we were children. Gone are the days when most mothers had the luxury of staying at home until their children went off to school. Financial pressures, lifestyle pressures and an increase in the cost of living now generally means that both parents need to work outside the home these days, at least in a part-time capacity, just to keep things afloat. As a busy working mother of three young children, I am all too familiar with the daily juggle and mother’s guilt that goes with trying to ‘do it all’. Finding that elusive balance between family life and career requires some serious planning and support, and there is no one rule that fits all. As I sat chatting with this wonderful group of inspirational women who are top of their game in their respective careers, while still managing to be fantastic nurturing mothers, it really struck me that we are a sisterhood! We understand the pull of needing to be at a child’s soccer game or ballet recital, while also trying to meet a work deadline. Thankfully most employers fully understand the need to be flexible and supportive of working women. Technology also enables us to work from home after hours, allowing us more precious time with the family, even if it does mean catching up on work when the children have gone to bed. Becoming a mother has been the most rewarding and challenging role of my life, and I think most women would agree, whether you are a stay-at-home mum or a working mum, that we are all doing the best we can for our family and at the end of the day, that is what counts. Spice Bar at Mooloolaba was the perfect venue for us lunching ladies. Co-hosting our lunch was co-owner of BOQ Maroochydore, Debbie Battaglini-Clarke. Joining us was Tasha Hungerford owner/director of Grow Accounting, mother of five and grandmother of one; Angeline McLean, co-owner of Underwood Jewellers Kawana and mother of two; Jo Madden of Ray White Maroochydore and mother of two; Kelly Pendlebury of OMC Direct; Dee Johnson, agency account manager from Prime Radio and mother of two; and last but not least, Tanya Chesterton Smith, our delightful photographer and mum of two. september 2013

profile: Ladies is there such as thing as a work/ life balance? tasha: In my personal life, I look at what I need to achieve and what I can give to someone else. For example, I have a great ironing lady because I would rather spend that time with the kids. It’s really looking at your time and whether you are spending it wisely. Having a team around you that understands that you have children is paramount. There will be nights when you have to leave early but there will be other days when you will work late. tanya: I have always juggled family and work, but I am lucky enough to have a home office. I often work until midnight, which can be hard, but at least I can put it off until it’s convenient. I love my work and have a great family life too. kelly: I don’t have children yet and I find it hard to have a work / life balance! I just work to deadlines! I do know that when I have children I will continue working. I will need it for my creative side. I lost my mum 10 years ago and having five siblings, I have always been the one to keep us all together. I think that is just a natural nurturing side of me. Women just like to look after everyone I think. dee: I think there is such a thing as work / life balance, but it can’t happen at the same time. You can have it all, but usually it doesn’t happen concurrently. I find if I am having a fantastic work week, something will go wrong at home. I am a single mum too which is hard. It’s all about keeping the balls in the air at the same time. The days that the girls are with their dad, I cram as much in as possible and when I do have the girls, it’s all about them. jo: I think you can have a work / life balance, but the number one priority has to be you. You have to look after your health and fitness because when you are sick you have to keep going. You can have it all, but you can’t do it all. My children are 17 and 19 so I feel like I am at the easy end. I’ve done the hard work. profile: How do you do cope with the demands of a busy working life and raising children? jo: The key to balance for me is being very organised and having lists, planning ahead and getting the kids on board with all of that. Most kids these days are quite in tune with that. It has changed since we were kids. You need support from employers. I used

to work school hours when my kids were young. I always bat for the mums because they are organised. If you can just let them have that flexibility, they will be more productive. dee: The only bonus of being separated is when the girls are with me, I am able to give them 100 per cent of my attention. Sometimes it works and other times it doesn’t. I work full time and my boss is amazing. The kids always come first but I have been with the company for a long time so they know I will get the work done. I work back late or when the kids are in bed. It always gets done. I’ve never missed sports day or school events. debbie: I always look calm, but underneath my feet are paddling a million miles an hour. It’s all on the surface. Last night I was lying in bed typing out a million notes and watching Super Nanny. I sometimes find myself looking at someone else’s life thinking I could do better, but then I think we are all just doing the best we can and everyone is different. dee: I have the best boss in the world – Troy Deeton. He is the general manager and he is probably my favourite man in the world, other than my dad. My work is my other family so that is why I have been there forever and could never leave them. profile: What have your learned since becoming a working mum? debbie: I am very organised and a perfectionist. I discovered after having the twins though that something had to give. So when I say I am going to give myself to BOQ today, it’s all about work. When I am home, it’s all about the kids. When I say I am with them, I am with them. I have only learnt that in the last three or four months. The constant struggle in my brain was killing me. Flexibility and learning to ask for help is key. It can be hard. dee: It is so important to get away and spend time together. We are a big camping family. We drive to Noosa North Shore and wait until we drop off signal and then we are all good. I love camping. There is no phone or TV or social media. The kids love it. The discussions we have are amazing. It’s all about going back to basics. tasha: It’s about being in the moment. When you have phones and things in the background, you are not really in the moment are you? profilemagazine

ladies at lunch

p “We have to sto lves. punishing ourse We are our own worst critic.” ni Debbie Battagli Clarke grilled Barramundi

profile: What advice can you offer working mums? dee: We really struggle in the morning with running late. So we had a team meeting and we agreed we should make a plan. The girls had to step up and figure out how they could get to school earlier. It was really cool. I put the ball in their court and they were involved in the decision. It’s about getting everyone on board to make it work. They liked the fact that they were in control and they were not being told what to do. debbie: We have to stop punishing ourselves. We are our own worst critic. My most precious moments are with Addison in the car on the way to school. They are priceless. Children talk to us all the time and we really need to stop and truly listen to them. Sometimes you are missing the critical things they are talking about. angeline: Absolutely. I have to learn to be a bit easier on myself. I have to realise that the kids are a lot older now and I can relax a bit more. Taking time out is important. I took the day off for lunch today. I have someone who helps me clean the house and people to outsource things to. You can’t do it all. profile: could you be a stay-at-home mum? tanya: I would have missed my work too much. It is a big part of the creative side of me. I worked right through having the kids and went back to work within three weeks of having them. From babies, my husband has had to do everything. He knows as much as I do about the children. We both raise them. On Saturdays with weddings, often I’m gone for seven hours. So it’s good team work between us. My daughter helps her little brother and gets up on her own and makes their lunches. debbie: I think you need the mental stimulation too! profile: When do you find the juggle the most difficult? tanya: In Spring I do three quarters of my year’s work, so my husband says I get more moody because I can’t do it all and that’s when I feel guilty. I have dinner and then I am down in the office working until quite late. I wouldn’t change it though. You get

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a few high pressure months and deadlines, but most of the year it works and it balances out. jo: The work/life juggle may be hard, but then I think a lot of women who have had a long break after having children find it very hard to come back to the workforce. debbie: I was talking to my girlfriend really quietly on the telephone recently and she said “Why are you whispering?”. “I’m hiding in the bathroom with a glass of wine”, I replied, which I was! I know it’s the only place in the world where I’m safe and no one will interrupt me. Oh and the kids were safe with Laurie of course. tanya: Our bathroom has a locking door, but it has a lever you can open from the outside. My son puts his finger in and turns it. My husband does it as well. He just comes in for a conversation! My son actually let himself in and took a photo of me nude in the shower with his DS a few years ago! Ahh yes, I can totally relate to hiding in the bathroom and the interruptions! And the raucous laughs and nods around the table suggested I wasn’t alone in this! While we agreed it was possible to have a successful career, while simultaneously raising happy healthy children, a strong support network, flexible work hours and an understanding employer, were deemed to be key to keeping all the balls in the air at once! Amen to that, sister! tempura salmon nori rolls

SPICE BAR, MOOLOOLABA

The Spice Bar had come highly recommended to me by many friends and colleagues, so I was expecting great things from the Mooloolaba restaurant and I wasn’t disappointed. In fact, I was amazed that this was my first visit to the popular spot. How did I miss this one? Elegantly appointed, the classy eatery was the perfect venue for us ladies to catch up over a delicious lunch. Owned and operated by Aaron and Kym-Sarah Ruttan, the restaurant is a shining example of the couple’s passion for delivering beautiful food and top class service. Having owned and operated previous successful restaurants in other states, the dynamic duo decided to settle on the beautiful Sunshine Coast for its enviable lifestyle and beautiful environment and we are thankful they did. Boasting a modern Australian / Asian-influenced menu, the multi-award-winning restaurant has collected no less than three coveted Chef’s Hat awards and prides itself on attention to detail. We were offered a delicious set menu for our ladies lunch. It was a difficult choice between the tempura salmon nori rolls with soy chilli and the beef tataki with pickled ginger and wasabi, to start. I opted for the beef signature dish and it was delicious. The nori rolls also received rave reviews from the girls. A choice between the free range roasted duck with orange cinnamon star anise glaze and citrus herb and berkshire pork neck red roasted with mustard cress and pickles sounded divine for our main course, however I opted for the fish of the day – grilled Barramundi. Melt in your mouth delicious, the fleshy white pieces tantalised my taste buds with each juicy morsel. Finished with a creamy smooth latte, my dining experience at the Spice Bar was sublime from start to finish and if the compliments from the ladies regarding their dishes were anything to go by, this local couple certainly have the recipe for success. Spice Bar 4 / 19-23 First Ave, Mooloolaba Ph: 5444 2022

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nadine love

ow will your book help you and your business grow?

Mike Schultz, principal of the Wellesley Hills Group marketing consultancy for professional service providers, surveyed 200 business-book authors. He published his findings in BusinessWeek: “The vast majority of authors – 96% – said they realized the significant positive impact on their business from writing a book and would recommend the practice.” The benefits to business-book authors include “generating more leads, closing more deals, charging higher fees and getting better speaking engagements.” I can vouch for those outcomes in my own business, as can my colleagues who’ve written autobiographical and business books. Here are three great reasons business results improve when you write, publish and promote your compelling book: 1. Increased Personal Credibility: You’re fast perceived as an expert. As your first book comes out, you establish your voice and legitimacy in your field, and you position yourself in your market. Once my books were out, doors magically opened. People who had looked past me suddenly wanted to converse and became hugely attentive. My books continue to be enormously helpful in creating connections with potential clients across Australia and globally. 2. Brand Clarity: Your readers get an opportunity to understand what matters to you, how you work and the results you achieve. You have a vehicle for sharing your values, principles and core business models. Nadine Love is a Prize-Winning Author, Award Winning Facilitator, International Speaker and the motivational mentor. Her purpose is to help you to build the confidence you need to clarify and communicate your message so that you can create your difference in the world.

Setting out to write a book catalyses you to clarify best practices and put your success strategies into words. This benefits your own staff, your team and your prospects because they’re clearer about who you are and what you are offering. 3. Business Credibility: Your business will experience a magnetic effect from your rise in credibility and your brand clarity. You can leverage the association with your book to gain legitimacy for your business. Your book will give you and your team a positive morale boost. If you’re concerned about publishing your best ideas, rest assured that overwhelming evidence suggests your book will motivate people to want more in-depth knowledge, consulting and connection with you. Writing your compelling book can be transformational for you personally and professionally. What makes a compelling book? Beyond great grammar and sizzling syntax, your language and message must: • Resonate with your clients and prospects • Reflect your business and your brand • Instruct and inspire the actions you’d like your readers to take • Deliver outstanding value in the form of frameworks, models and ideas • Offer clarity and relevant solutions in accessible, interesting and engaging ways When you’re planning to write your book, these five practical pillars will ensure it brings you opportunities, connections and income that surpass your expectations. You can get started, now. Click on the “Write Your Book” tab when you Visit NadineLove.com. If you’re thinking about writing your book – Join Nadine for a Free Write Your Book Workshop at the Expo – on Friday 13th September. If you’re ready to experience the profound satisfaction of becoming a published author, and a ripple in the pond of positive change, Visit www.nadinelove.com. For details about Nadine Love’s Writers Retreats and Write, Promote & Publish Your Book Trainings go to NadineLove.com.

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travelfile

ll words ingrid nelson You donâ&#x20AC;&#x2122;t have to travel to the other side of the world to discover the European charm of yesteryear. In fact, you donâ&#x20AC;&#x2122;t even have to leave the Sunshine Coast as Ingrid Nelson discovered during her recent sojourn at beautiful Bli Bli House.

tepping inside Bli Bli House is like stepping back in time to the elegance and grandeur of the bygone Victorian era. From the magnificent marble-tiled hallway and high ceilings with ornate plaster work, to the plush carpets, beautiful vintage furniture and open fireplaces, nothing has been overlooked. It is clear to see that no expense has been spared during the renovation of this charming five-star bed and breakfast and it shows. Despite the Queenslander being beautifully presented from the outside, I will admit I was most surprised at the grandeur of the interior. Warmly welcomed by owners, husband and wife team, Phil and Meryl Greenbury, my husband and I were most impressed by the magnificence of the stately home and the luxurious attention to detail. Phil and Meryl tell us they went to painstaking lengths and an enormous amount of research to recreate the elegance of the Victorian era at Bli Bli House, including specially ordered

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wallpaper from Europe. Shrouded in historic charm, Bli Bli House has quite a colourful past. Built in Gympie in 1874, it was later transported to its present location. During its early years, it was the main historic house at the Pioneer Village, once a major tourist attraction on the Sunshine Coast. Its transformation is the result of a long time dream by Phil and Meryl who opened the doors of the guest house in 2010. Following a brief tour of the establishment on arrival, Meryl showed us to our private guest suite, complete with a luxurious king size four poster bed with ornate timber frame, old world Victorian fireplace and double spa bath. Each of the suites has a large private ensuite, reverse cycle air-conditioning, kitchenette, and all the mod cons including flat screen TV, DVD and CD player. French doors opened to a private balcony overlooking the vegetated gardens. The rainy weather during our stay was a great excuse to curl up with

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a good book in front of the fire with a smooth port and some delicious chocolates – bliss! After returning from a meal at one of the local restaurants later that evening, tired from the rigours of the working week, our gorgeous four poster bed beckoned. The rain pelting on the tin roof soon lulled us into a deep sense of relaxation and we were asleep the minute our heads hit the soft, plump pillows. Next time we may try a four course candle lit dinner in the guest house’s Chandelier Restaurant – an experience, I have been told, not to be missed. Awaking from a peaceful uninterrupted night’s slumber (even though the B&B is on the main road, we did not hear any road noise) we were treated to a sumptuous breakfast in the elegant Chandelier dining room, beautifully prepared by Phil, who is a trained chef. We chose from a variety of juices, fruit, yoghurt and cereals, followed by a cooked breakfast together with freshly ground coffee. It’s the little things that make the difference at Bli Bli House. We especially loved the extra touches such as the selection of cakes and sweets available for guests at any time of night or day should the munchies strike. David went missing for quite some time during our stay actually, only to admit later he got carried away sampling the sweet treats, no wonder he didn’t have much of an appetite at dinner! Fresh coffee and tea are also available at any time and there is a good selection of books available to read in the dining room, or you can select from a range of DVDs to enjoy in your suite. The peaceful piped music throughout the guest house adds a relaxing ambience. Meryl showed me to the upstairs loft area which they have cleverly converted into a mini theatre, perfect for those rainy days or simply for relaxing in with your favourite movie. There is also a pool table for your entertainment. Bli Bli House is the perfect spot for a romantic getaway, garden wedding or group party. You can also enjoy the guest house’s Victorian air of elegance via their high teas, great food and old-fashioned hospitality at their boutique restaurant. It is also, a popular venue for wedding and magazine shoots. Meryl and Phil have created something truly special for the Sunshine Coast and I am not surprised to discover they have recently won a Telstra Business Award – it is truly deserved. Bli Bli House is certainly a hidden gem right on our doorstep.

We especially loved the extra touches such as the selection of cakes and sweets available for guests at any time of night or day should the munchies strike.’

Ingrid Nelson was a guest of Bli Bli House.

Bli Bli House 600 David Low Way, Pacific Paradise Phone: 5448 9914 www.bliblihouse.com.au

september 2013

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In the driverâ&#x20AC;&#x2122;s seat: Wendy Miller

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In the Sunshine Coast business community, Wendy is known for her professionalism and personal approach when working with businesses and their owners. Wendy is currently running her own business, completing projects of varying degrees in industries such as IT, training and personal services. She believes in the value of business partnering and leads the way in providing exceptional customer service and support â&#x20AC;&#x201C; all whilst having fun along the way. profilemag.com.au

ll photography michelle natoli, inspired photography

Going anywhere in the Ford Territory is an exciting journey, with roads and highways cruised with ease and in the utmost comfort. For my review, I test drove the top of the range fully optioned diesel Titanium Territory – a very stylish AWD consisting of an impressive set of 18-inch alloy wheels, a strong looking front grill and an all-leather and fully featured interior.

I found that my own opinions of the Territory were very much the same. I didn’t feel as though I had to ‘get used’ to the Territory as everything felt easy and familiar from the start, from the automatic button for the four-way seat adjustment to the self-regulating headlight settings.

The Territory is a very spacious car, from the supportive front bucket seats to the back, there is plenty of room, not to mention the massive amount of cargo space at the rear of the vehicle. Should you for any reason need an extra two seats, you can pull these up from the floor of the boot space, allowing you to transport up to seven people in the vehicle.

I also loved the big screen that would move through all the media options and comfort settings (air-conditioning position and driver / passenger climate-control, just two examples), and cleverly all the most-used buttons to control these areas were at my fingertips, such as audio volume, phone pick-up/hang-up and cruise control. The leather seats were extremely luxurious to relax in, and the roofmounted DVD (with wireless headphones) was a real hit for my little passengers.

I was lucky enough to drive not one but two diesel Titanium Territories in the space of a week, with both cars being sold within days of my return! That’s how popular these luxurious Ford vehicles are. I also had the pleasure of being involved in a Ford Test Drive Day, where the public were allowed to drive members of the Pacific Motor Group team along a selected route. There were four Ford vehicles being used for test driving and lots of eager participants!

Another great feature of this car is its capacity to take you travelling. It has a 2700kg towing ability, plus all the right designs and safety features to be the perfect long haul traveller’s vehicle, i.e. all-wheel drive capability, a diesel engine, an inbuilt navigation system, a huge amount of space and seats designed for comfort. With a fuel consumption of around nine litres per 100km (in the AWD diesel model), it is an economical way to travel.

It was interesting to note that those who chose to ride in the Territory were of all ages and backgrounds. Every driver also had very similar comments to make about their experience in the vehicle, including “I can hardly hear that it is a diesel engine”, “It feels very safe driving this car”, “It is so easy to drive, you don’t feel like you’re driving a car this big” and “I love the navigation and reverse camera in the big screen on the dash”.

The Territory is functional and flexible. This car is not targeted at a particular demographic, instead attracting anyone looking for a well built sturdy and large vehicle with plenty of room to spare and a comfortable height and driving position. Whether you are a mid-sized family, a retired couple, a regular traveller with a trailer or even a solo explorer, the Ford Territory is a real option if you are looking for a head-turning vehicle with a penchant for practicality.

VISIT PACIFIC FORD FOR A TEST DRIVE TODAY. 122 - 124 Sugar Rd, Maroochydore. PHONE 1300 643 720. WWW.PACIFICMOTORGROUP.COM.AU

win

You have to be in it to win it! Head to www.profilemag.com.au to enter the draw to win one of the fabulous prizes on this page.

win a fabulous elegance hamper Nambour businesses, Uptown Hair Studio (www. uptownhair.vpweb.com.au), An Elegant Affair (www. anelegantaffair.com.au) and Tim Logan’s Nambour Pharmacy (ph 5441 1417) have combined to create a beautiful hamper valued at $300 full of “elegant” goodies. To win, Profile readers simply need to shop at one of the stores between 1 and 30 September and you will go in the draw to win!

win a corporate training program

win a life coaching package

Michael is the director of Noosa-based life coaching business, Aus Identities (www.ausidentities.com.au), a self-awareness program originally created across Australian schools to develop a more inclusive educational experience. It has since grown to become a great way to reconnect parents with their children (helping to bridge the communication gap) and a tool to improve intimate relationships. The program has now extended to the corporate world. As a natural progression, Aus Identities is now helping teams that are keen to develop a better understanding of who they are, to gain a greater balance in their working lives. Thanks to Aus Identities and profile magazine, one lucky business will win a half-day Corporate Training program valued at $1,500. The program can be delivered any time at your work place or at an alternative venue arranged by the winner. There is no limit to the number of participants in the program.

Tash Corbin (www.tashcorbin.com) has established herself as a successful life and business coach, specialising in business development for creatives – showing how to turn dreams into a reality. Tash provides coaching and business training for budding entrepreneurs to develop and perfect their business strategy so they can do what they love while also making a sustainable profit. Tash Corbin and Profile magazine are offering one reader a three-month coaching program valued at $620. The winner will receive assistance clarifying their goals and developing business strategies for success, while also gaining support through the process. The program includes six one-on-one coaching sessions, weekly email check-ins and discounted entry tickets to a range of networking and business development events.

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win

win beautiful jewellery Belle Fever (www.bellefever.com.au) was created with the aim of making beautiful hand-crafted jewellery with heartfelt memories that last. The handcrafted jewellery collection is made to order and consists of the most beautiful personalised necklaces that are a great way to celebrate any occasion including a new baby, an engagement, birthday, graduation or anniversary. Every piece tells a story and captures a special memory, offering a unique item of wearable art which carries a deep meaning for those who wear it. Profile and Belle Fever are giving one lucky reader the chance to own one of three pieces, collectively valued at $517. Included are three necklaces – the BFS Diamante necklace valued at $169, the Triple Heart Puzzle in silver valued at $169 and the famous My Family Tree in two-tone gold and silver valued at $179.

win food and wine tickets Sure to tempt your taste buds, Brisbane will host the 2013 Brisbane Food and Wine Show from November 8 to 10. The event will see hundreds of the country’s best food producers, wineries and chefs come together for a fun-filled weekend of superb food and wine. The Brisbane Good Food and Wine Show (www.goodfoodshow.com.au) is offering two profile readers double passes to the Fisher and Paykel YUM Kitchen, with general access to the show valued at $100 each. The YUM Kitchen debuts this year as the first hands-on cooking experience run by Australia’s much loved cooking schools. The winner will learn cooking tips from the best in the business, and then will be able to sit back and enjoy the fruits of their labour with a perfectly matched Grant Burge wine at the YUM Kitchen dining table.

win a colour analysis package Serena’s Image (www.serenasimage.com) is a professional training academy offering an extensive range of courses, including modelling, deportment, grooming, etiquette, colour, image and style, make-up artistry and interior design. The academy was founded by Serena Keenan who has 25 years of training in the field and produces fashion parades and events throughout Queensland. Serena’s Image and Profile are offering one reader the chance to win a personal colour analysis consultation valued at $325. In the session, skin, hair, eyes and facial features will be analysed to discover the key colours that suit. The winner will learn the best precious metals, hairstyles, eyewear, hats and earrings to suit their face and shape, plus they will receive a flow seasonal colour swatch with 50 colour chips and a 60-page personal colour booklet, along with a makeup lesson using professional products.

Profile aims to support local business. If you’d love to see your products featured on our win page contact admin@profilemag.com.au september 2013

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a cut above.

megan kitching

hen you visit Array Hair Design in Buderim, forget the often nerve-wracking experience of a hair appointment, where dreams of gorgeous ombre waves or a daring fringe can be dashed by strongminded hairdressers wielding scissors of doom. Instead, the team at Array listens to your needs, understanding how important it is to put what you want first every time. In fact, no one believes in this philosophy more than senior stylist and hair extension expert at Array, Megan Kitching. “The client’s needs are definitely the priority,” she says firmly. “I am very set on making my clients feel beautiful on the inside and out. After all, your hair is your best accessory!” This fierce drive and firm attitude is what has made Megan so successful, and her journey from hard-working young apprentice to sought-after stylist is a tribute to her remarkable attention to detail. Growing up in Maryborough, Megan came from a close family. However, what the regional town didn’t offer was a career opportunity for the 15-year-old aspiring hairdresser who had dreamed of becoming a stylist. Unfazed by this setback, Megan packed up and moved away, gradually building her skills and experience, landing a role at 17 in Brisbane which kicked off a hairdressing career that

would span the next 21 years, including managing salons, working as a Queensland trainer for a hair extension company, and owning her own salon. “I had some fantastic opportunities. I did front covers for bridal magazines, hair for runway shows, styling for celebrities and Mercedes Benz Fashion Week for six years and my team ending up on the front cover of the Australian Hairdressing Journal – the bible of hairdressing!” Relocating to Townsville in 2011 to be with her family (who by then had settled there), Megan worked in the hair extension field as a senior stylist, at the same time reconnecting with her childhood crush who she had known since the age of 12. As the relationship developed, Megan relocated to the Sunshine Coast to be with her partner. With the move came a new job and Megan set her sights on working for a boutique company which she found at Array Hair Design. “This is the best team of hairdressers I have ever worked with. We are all unique hairdressers with our own style and personalities and the work that leaves this salon is truly beautiful, ” Megan says. With her focus, drive and talent, Megan is certainly a cut above the rest.

the beauty of opportunity.

monika ejmont

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uccess is taking advantage of opportunity, and in a world of carbon copy franchised beauty salons, Monika Ejmont is proof of this, with her thriving business Esha Beauty born from opportunity and grown with a lot of hard work. Standing alone as the sole independent beauty salon in the Sunshine Plaza, Esha (a Hindu term meaning purity and desire) is a boutique family business managed by Monika, a beauty therapist of nine years. Polish-born Monika started off her beauty therapy career after leaving school on the Sunshine Coast to attend a year-long course at a prestigious private college to obtain an International Diploma of Beauty Therapy. “I have always had a passion for beauty and I was consistently achieving highest performer status,” says Monika. However, just as she was flying high, an unexpected tragedy occurred. “I was doing up to seven massages a day at work, and one afternoon I seriously injured my back in the process,” she looks back. A hospital visit and MRI scan revealed that Monika had in fact slipped two discs in her back, pinching a nerve, and leaving her bedridden for months.

words anna rawlings

Monika faced an uncertain future in the beauty industry and it was only after intensive physio and chiropractic sessions, rehabilitation, and countless doctors’ visits, including over a year off, that Monika finally went back to work in a limited capacity, unable to do massages. Shortly following this however, after proving herself to her new employer, she found herself managing a salon for the first time, and suddenly everything clicked. It was not long after, that the concept for her own beauty spa, Esha Beauty, was born, and in March 2013 Esha Beauty officially opened its doors. It was a big plunge, but Monika and Esha Beauty are proving to be a raging success. Her role keeps her busy, with three therapists and two receptionists making up her team, while the salon runs seven days per week. Monika is the epitome of a successful young entrepreneur, going from strength to strength in the beauty industry as she continues to expand Esha Beauty, confidently making her mark in a field that she once thought she would never be able to work in again.

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MAGAZINE FEATURE

Imagine...

Events

Go online to register for our next monthly Think Wealth 4 Women event. Mix with like-minded women and learn debt reduction and property wealth strategies from the best.

Call 07 5430 4777

chris@thinkmoney.com.au

MEET YASEEN HULL THINK MONEY DEBT REDUCTION SPECIALIST

@thinkmon 19 744 193 | chris chris CHILDS | 04

ey.com.au

In this Wealthy’n’Wise edition property investment expert Chris Childs gives you her professional tips on debt reduction and creating wealth through property.

Experience. There is no substitute for it in any successful business. Just ask Chris Childs, founder of Think Money Wealth Through Property. With more than 20 years’ experience under her belt in the financial planning, mortgage broking and wealth creation through property industries, Chris has helped countless people take charge of their finances and turn their lives around. More importantly, Chris has achieved success from her own personal experience, creating her winning system not from theories but from years of experience creating wealth through property herself. Having been a financial planner and mortgage broker for many years, Chris and her husband, Jack, bought their first investment property in 2000. The dynamic duo went on to buy, sell and renovate several properties over the next three years, but it wasn’t until they bought and kept an investment property that they started to see the real value of capital growth. In addition to accumulating a large property portfolio, Chris also opened three mortgage companies in three years and began to teach her clients her top tips and strategies on reducing debt fast and creating wealth through property – hence Think Money was born in 2007. “My mortgage broking clients, having been diligently learning my debt reduction strategies, wanted to learn more about how we were accumulating properties. So I began to teach my clients what to do and more importantly what not to do. Mistake avoidance can save you thousands.”

‘Most mortgages can be paid out in five to seven years, just by doing your banking differently.’ Passionate about helping others achieve the same financial freedom she and her family has achieved, Chris now employs a team of professionals to assist clients to achieve their goals while avoiding the pitfalls most of us suffer when we begin the daunting property investment journey with little knowledge and experience. Chris says reducing your debt and accumulating property doesn’t have to impede your lifestyle, in fact it will enhance it from day one.

Yaseen Hull – the big cuddly bear of the Think Money group is Chris Childs right hand man. A mortgage broker and debt reduction specialist, Yaseen has 11 years experience in both industries. With a firm belief in structuring his clients’ finance to suit their needs and not the banks, meeting with clients on a regular basis is the secret to creating a secure financial platform. Yaseen personally prides himself of making sure our clients understand the steps to creating wealth through property. Maximizing equity and reducing debt. “I love helping people. The fact that I have seen personally the damage the big banks can have on individuals inspires me to help people beat the banks at their own game,” says Yaseen. To contact Yaseen phone 07 5430 4777

5. 1.

WHERE TO GO FOR ADVICE Most people go to a bank for advice on the right bank accounts and loans to have. A bit of a laugh really when you consider their profit margins. It’s like asking the mouse where to put the cheese! I wish I had been taught to ask someone who has money the best way of handling it.

CREDIT CARDS ARE JUST LIKE GUNS

THE MORE ORGANISED YOU ARE THE MORE MONEY YOU HAVE

A loaded gun in a playground is dangerous, but treated correctly it isn’t. Credit cards are the same. Most of us just use them to help the banks, but you can turn the tables and use the banks’ money for free and use your money to reduce your interest. This secret could have saved me thousands!

It is a fact that if you get organised with your money, you have more of it. Bills get paid on time, you don’t waste precious money on fines, fees and overdue payments, and you make your money work for you instead of against you. A cash management program accelerates your debt reduction and wealth creation.

YOU CAN MAKE COMPoUND INTEREST WORK FOR YOU OR AGAINST YOU Saving to buy something instead of borrowing can halve the price you pay for most items. This sounds boring to us in this ‘have it now’ world, however, compound interest working for you instead of for the loan company saves you thousands. I wish someone had told me that ‘interest free’ isn’t free at all. The interest has been tacked onto the price – ask for the ‘cash’ price and see.

DEBT CONSOLIDATION CAN BE YOUR BEST FRIEND OR YOUR WORST ENEMY Consolidating credit card and consumer debt onto your home loan can reduce your repayments each month and lower the amount of interest you pay. I wish I had been told to use this extra money to then reduce the home loan much faster, and not fall into the same trap again and again – burning up precious equity that could have been used for investing.

THE POWER OF SEPERATING YOUR LIFE FROM YOUR INVESTMENTS One and a half million people in Australia invest in property, only 0.5 per cent get to five properties or more. Why? They don’t keep their personal and investment money separate. I wish I had learned the key to successful investing and stress-free living was to keep these sides quite separate from each other.

NOT TO ASSUME A HOME LOAN IS A LONG-TERM DEBT I wish I had been taught that a home loan doesn’t have to be a stone around my neck for 25 years, or best case, if I paid weekly or fortnightly, 17 years. What most people don’t know is that, handled correctly, a mortgage should be paid off in five to seven years, just by doing your banking differently.

WEALTHY ‘N’ WISE

The 7 things 4. about money I wish I had been taught at school ...

WEALTHY ‘N’ WISE

Here is what some of the women had to say about their experiences with Think Money:

Carmel Dowse “I had quite a few sleepless nights about my finances and decided it was time I did something about it. I was flicking through Profile magazine and saw Chris’s advertisement. For some reason I kept seeing her face and I thought ‘This is the woman I need to see’. When Chris first told me she was available 24 / 7 if I had any doubts or fears, I was a little bit surprised because I have never been offered that assurance. Whether it’s by phone, email or face-to-face, Chris is always there to have a chat. It seems everywhere we look there are get rich quick schemes so to find someone I could trust and who is living what they are teaching was fantastic. Anyone who is struggling financially or just confused as I was, Think Money is the place to come. It was a no brainer for me.”

Valerie Waterston “I had been previously met with “No’s” when I approached banks for more money for property but Chris and Yaseen said “Yes”. The added education is a big part of being a client. Think money staff are in constant contact with you encouraging and keeping you on track with appointments and educational events. Often the contact is just a simple phone call to check on you and offer support and help, but to me, it is such a crucial element of the program, just to know that you have that constant reassurance and support behind you, it’s priceless!”

Jacqui Dewar “A lot of people think they can achieve financial independence by themselves but most people fail because they don’t have the right skills and support network around them. At Think Money you get all of that. For years I have done nothing and within four weeks I am looking at purchasing property. I have a completely different mindset about how I approach money, my future and even myself. My own self esteem has improved so much.”

Don’t miss out on our next Think Wealth for Women event. Find us on Facebook or go to www.thinkmoney.com.au for more details.

1. 2. 3.

FOCUSING ON BANK ACCOUNT BALANCES FOR SPENDING DECISIONS If you don’t have a detailed plan for your money, life can get extremely stressful when big bills come in. With a bit of planning, having a buffer fund for the expected (and not so expected) bills, you can more easily avoid financial stress.

NOT HAVING A CASH MANAGEMENT PLAN Setting up a CMP, a detailed budget for planning your income and expenses, is a vital part of reducing debt. Not only can you deal with your finances with ease, but the more organised you get with your money the more you seem to have. A CMP is vital to success.

GETTING THE WRONG ADVICE – FROM FAMILY, FRIENDS AND BANKS Often family and friends, in their effort to protect you from making mistakes, can give you the wrong advice that can hold you back for years. Before you take someone’s advice, look at who they are and what they have and if that’s where you want to be, then take their advice. Banks make profits by setting things up to suit their plan, not yours!

AVOIDING CREDIT CARDS Credit cards are a bit like guns. There is nothing wrong with a credit card if treated correctly. In the wrong hands, they can be a problem. Credit cards are actually a great tool in money management as long as you can pay them out each month and pay no interest. Just like with a gun – be careful not to shoot yourself in the foot.

FALLING FOR THE ‘INTEREST-FREE’ TRAP Most people who have fallen for the interest-free credit marketing ploy, have done it for one of two reasons. Either they want the item now and can’t pay for it – not a great idea – or they think they should leave their money in their account and believe they will pay it off during the interest-free term – most don’t. The cost is added onto the item — pay less pay cash.

DEBT CONSOLIDATION – YOUR BEST FRIEND OR YOUR WORST ENEMY Debt consolidation is a bit like credit cards, if treated correctly it can be an awesome way to manage your debts and save a bucket load of interest. But if you just constantly consolidate and then get back into consumer debt, all you will be doing is continually eating your equity.

CHOOSING THE WRONG LOAN The biggest dilemma most people face is deciding what style of loan and whether to go fixed or variable. There is much to explain on this, but getting the right advice to suit your situation is vital. I normally choose variable, and I always choose interest-only – and pay extra, which seems to work effectively with debt reduction strategies.

NOT SEPARATING PERSONAL AND INVESTMENT INCOME OR EXPENSES 1.5 million people in Australia invest in property, only .5% get to five properties or more. Why? They don’t keep their personal and invesment money separate. The key to successful investing and stress-free living is to keep these sides quite separate from each other.

BELIEVING YOUR HOME LOAN IS A ‘LONG-TERM’ DEBT

10.

PROCRASTINATION

Most people assume a home loan is a stone around your neck for 25 years. Best case, by paying weekly or fortnightly you might pay it out in 17. What most people don’t know is that handled correctly, a mortgage should be paid off in five to seven years just by doing your banking differently.

The biggest mistake of all is procrastination. If you look at where you are and what you have and don’t like it – do something about it. Think about your situation this time last year and this time the year before. Are you getting ahead, marking time or going backwards? The next step – you need a coach, a Wealth Coach. Can you name an Olympian who succeeded without a coach?

WEALTHY ‘N’ WISE

The 10 biggest debt reduction mistakes

WEALTHY ‘N’ WISE

Success in property investing can be easy Set up your finance platform, control your money, reduce your deb and create wealth through property.

Having the right finance platform is the secret to taking control of your finances, accelerating your debt reduction and successfully launching into a strong and sustainable property portfolio. 1.5 million people in Australia invest in property, but only 0.5% of these reach five properties or more and the majority of the remaining investors sell out within a year or two due to financial pressure. The main reason people struggle with their finances is because they do not separate personal and investment income and expenses. It is vital that your home mortgage, living expenses and personal income is kept totally separate from investment property debt, expenses and rental income. This strategy forms a huge part of my clients’ success with property investment. Having the right finance platform and advice means most are not only on the path to 10 properties in 10 years, but they don’t have any investment costs coming out of their personal funds. Having a self-funding portfolio doesn’t require investing in higher risk, positively geared properties. Conservative properties that are negatively geared are just as easy to manage in the right system. Let’s look at the steps to creating a successful finance platform in more detail.

STEP 1 – ANALYSE YOUR STARTING POSITION Getting your personal money organised is a vital part of getting started. It is like spring cleaning your money house. Knowing what money comes in and goes out and ensuring that there is actually a surplus is a good way to start. Obviously if your expenses exceed your income the future of any plan would be very bleak. It is amazing just how many people use the ‘head in the sand’ mentality to avoid finding out if that is the case. This is the source of spiralling credit card debt that can only end up in disaster. Filling in a budget is the first step, but the secret of a healthy financial life is to actually use a cash management system. Most people think a budget is a list of income vs outgoings, however, this is just a list. A true budget or cash management system requires the constant tracking of spending against income to ensure the budget is staying on track.

STEP 2 – Review your current Loan structure There are so many different banking options available it is hard to know where to start. Most people get their advice from a bank – what sort of accounts to open, what sort of loans to have. A bit of a laugh really, with most of the profits the banks make coming from their smallest account holders it’s like asking the mouse where to keep the cheese. Getting independent advice on what would work best for you rather than the banks is an important part of setting up your finance platform successfully. Working out how to reduce your debt fast, finding out about the up and down sides of debt consolidation and creating a perfect system of using credit cards to benefit you and not the bank are just a few things a wealth coach can advise on to accelerate your debt reduction and get you on the road to investing.

STEP 3 – Separating your personal and investing lives The most important step of wealth creation is to set up your investment finances totally separately from your personal side. Yet strangely enough, it is rare to see this happening. The reason most property investors fail is the financial pressure that occurs when the rental property expenses and income flow in and out of their personal accounts. When the rent comes in it is often tempting to use it for personal bills and expenses, leaving a huge financial pressure when the mortgage payment is due. This constant in-flow and out-flow brings the property to the forefront of any financial decisions, such as holidays or personal purchases. Worse still, should there be a problem, such as a tenant kicking a door in or leaving without paying rent, the financial burden of the investment weighs heavily on the personal lifestyle of the investor. This can be totally overcome by having an investment pot or buffer fund in place to allow breathing space during these times of crisis, and to also ensure the income is only offsetting the true investment expenses.

WEALTHY ‘N’ WISE

STEP 4 – Creating a self-funding property portfolio Let’s cut out the middle man, your bank account that earns you nothing but costs you to have it is like the middle man in a transaction. Banking your money straight into your home loan is like going straight to the wholesaler – saving you a fortune! Your line of credit is just like a bank account. You can bank money in, set up direct debits (but first check if the direct debit can be on the credit card for no extra cost), and you can use an Eftpos card to withdraw cash. All the while your cash is sitting on your loan, reducing the principal and you are paying much less interest. All of your normal spending is being done on your credit card, and you are paying no interest at all on the card. The credit card can be paid out in full on the due date from the line of credit. This can also be set up automatically so you don’t forget!

STEP 5 – The Power of Equity Equity in your own home is the quickest and easiest way to get started. Many people have a fear of using their property as leverage to purchase an investment property as they fear risking their own home. The risk can be minimised by having a clear plan and exit strategy. As the investment property increases in value, the bank would no longer require your home to form part of the security and the investment would be able to stand alone. However, for those people wanting to accumulate a bigger portfolio much more quickly, using existing equity allows for the building of a property portfolio faster. As the number of properties grow, so does the amount of equity as you are gaining equity on multiple properties. It is a simple matter of getting the right advice or doing extensive research yourself to purchase properties in the right area at the right time to maximise the growth. Buying the wrong property or buying in the wrong area can just as quickly stop you in your tracks. In any property cycle, you usually have two or three years of high growth, then can have five or six years when the market can be flat, and one or two years of negative growth. Timing the market is vital for gaining growth therefore the ability to use that growth to buy again.

STEP 6 – Diversification, Risk and SMSF Diversification: For the exact reasons regarding timing the market, another vital part of the puzzle is diversification. If, for example, you buy all of your properties in your own back yard, you will eventually go into a flat market. One of the biggest secrets of building a portfolio is to diversify not only the areas you buy in, but also the type of investments. Demographics, yield variations and supply and demand should form part of the complex decision making when choosing where and what to invest in. Risk Management: Another important part of the plan is to cover your ‘bottom line’. Having the right insurances is vital to success. Not only do you need to make sure the physical things in your life are insured, you also need to ensure you have adequate life, trauma and income protection in place. This protects you, your family and your future retirement security should anything untoward happen. SMSF: Self-managed super funds are becoming quite popular as part of the bigger picture in property investing. Taking control of your super can be an exciting way of breaking into the investment property market when you have limited equity or resources in your personal life. There are obviously many things to consider before going down this path, however, a review of your current situation with a financial planner would certainly be a place to start.

FREE WEALTH COACHING SESSION If you are serious about creating wealth using property, make some time to get the right mentoring today. Anyone who has ever had a personal trainer at a gym knows the added value that can be achieved by working with someone who is focused on assisting you achieve your goals. Our Wealth Coaches encourage you to keep moving forward, what ever stages of the property investment journey you are on. With the support of our Wealth Coaches, clients are able to reach and surpass their goals faster than they could on their own.

Contact Chris today for your free twohour Wealth Coaching on 07 5430 4777 or email chris@thinkmoney.com.au

WEALTHY ‘N’ WISE Achieving goals does not happen by accident. Goals are clear intentions and desires, they are on purpose. Setting goals for financial investment and / or wealth requires a formula. A good goal system is a set of disciplines that can be learned and implemented by anyone. Do you have a goal of financial success? Do you have a plan for reaching this goal? If you are like most of us, you desire financial security and higher levels of financial success. The dream of financial freedom is very common, but how do you actually reach your objective? It all starts with a well-conceived goal.

Change your thoughts to change your behaviour – create certainty

Taking the first step requires taking action. The action is goal setting. Once the goal is set, we can then set a plan to gather the required information to change our thoughts to create new wealth beliefs that will allow us to make the brave decisions we need to make in order to attain financial success. If you surround yourself with like-minded people and develop a great mindset, you will create certainty.

Embrace the change and challenges you will face

We all like to be in control, as most people fear uncertain change. The way to overcome this fear is with knowledge. What knowledge? The answer lies in seeking out anything or anyone that will help you embrace your goal. If that goal is financial security then you need to take action. Go to a seminar, listen in on a webinar, read books, discuss options with property and wealth experts, or join a financial property group. The more we surround ourselves with people who have what we want, the easier it is to face challenges and embrace the necessary changes required in order for us to have the wealth mindset that we need.

Create a great financial mindset

Stop procrastinating and talking about what you do know and tell me something you don’t know! Talk to me about what you want and where you would like to go. Tell me where you would like to be financially in three months, six months, two years, five years and 10 years time. The key to financial freedom is not what you know now, it’s what you don’t know. What can you do differently? Is there a better way to reach your financial goals? Creating a great financial mindset requires asking questions and means getting uncomfortable. It’s learning about your budget, where you spend your money, what you can do with your money, getting advice from experts. Part of the success in having a wealth mindset is to have your goal – be very clear on what you want, how much of it you want and when you want it!

Use your goals to keep you forward moving

Spending time thinking about your goals is good for you. It relieves stress, focuses your mind, and may help you live longer. If you vividly imagine reaching your financial goals, and the life that comes with them, you will be more likely to attain them – and be happier along the way. Happiness is the key and it is a definite link to a wealth mindset. While having money may not make you happy, being happy will definitely make you rich! Write your goal; see it, say it, feel it. Goals should be stated in the present tense. The physical act of writing down a goal makes it real and tangible. You have no excuse for forgetting about it. As you write, use the words “I am” instead of “would like to” or “might”. For example, “I am living in my beach house” not, “I would like to be living in a beach house”. The first goal statement has power and you can “see” yourself living there, the second lacks passion and gives you an excuse if you get sidetracked. Post your goals in visible places to remind yourself every day of what it is you intend to do.

Don’t goal it alone

Procrastination, fear and neglect are the most common causes for lack of financial security. It’s important to have a good support system – often people who are not related to you can be the best support. When we are embarking on a new venture or learning curve that may be outside our family or friends’ comfort zone, they may try to talk us out of taking action. Surround yourself with like-minded professionals, and most importantly, advisors who have wealth and a wealth mindset. There is no point taking advice from someone who does not have what you want. Most likely you will end up with what they have!

For more information and to book your spot at our next Goal Mapping one-day workshop visit our website or call Lynn on 07 5430 4777.

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INVESTMENT REALTY

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IN THE BAG

profile loves

dress to impress RONJA SHORT SLEEVE DRESS IN fushia, RRP $239. available from miss manfield, mooloolaba. phone 5444 5004. VISIT WWW.MISSMANFIELD.COM

The latest in health and well-being

abode master mixer Kitchenaid platinum collection stand mixer, RRP $799. Available from www.kitchenwarehouse.com.au

locally made Handmade custom Wrought Iron Couches made to order, Price on application. Contact The Blacksmiths @ Rosemount. Phone 0407 153 310

Salt&Pepper VICE VERSA Salad Bowl, RRP $29.95. visit www.saltandpepper.com.au. phone 1800 246 987 for stockists

This monochromatic trend is sophisticated and always stylish. Mix it up with patterns and prints. high-tech sound The GUNN iWall Premier is a stylish 1 metre high Bluetooth sound tower. The iWall features an Apple docking station and 7 speakers built in to the one, slim design. Cutting edge European lines and the Premier piano gloss finish offering a unique alternative to other music players on the market. GUNN iWall Premier iPad / iPod /iPhone Dock, RRP $299. Available from in black, White and red. visit www.gunnaudio.com.au

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contemporary kitchen

Gypsy cushion, RRP $129.95. Available from The New Punjab Trading Co. Visit www.thenewpunjab.com

Sunbeam and Florence Broadhurst have partnered to create a range of contemporary and stylish kitchen appliances, including the Café Crema® II Espresso Machine, RRP $229. The range is currently available exclusively at David Jones

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19 EST.

september 2013

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profile loves Moss and Spy bouquet jacket, RRP $479 and cropped pants, RRP $215. Available from elegant affair, nambour. phone 5476 3923.

line up HONEY & BEAU VERTICAL LIMITS JACKET (IN BLACK & WHITE STRIPE), RRP $130. available from house of hedwig, montville. phone 5478 5781

best foot forward GENNIA HEELS, RRP $249, AVAILABLE tootsies sunshine plaza. phone 5443 5669. visit WWW.TOOTSIESHOES.COM.AU

dress to impress office chic AVRIL DRESS IN BLACK PAISLEY, RRP $239, Available from elegant affair, nambour. phone 5476 3923. visit WWW.ELEGANTAFFAIR.COM.AU

Maximize your style with gorgeous prints and colours just in time for spring! With the races and awards season just around the corner, it’s time to update your wardrobe. Accessorise with bright footwear to put a spring in your step!

Profile aims to support local business. If you’d love to see your products featured on this page contact belinda@profilemag.com.au

glam file JADORE EVENING GOWN, RRP $605. Available from Elizabeths bridal palace, maroochydore. phone 5479 2555

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Sublime Spring @ Noosa Springs Your Sublime experience includes: A Tropical Enzyme Boost Facial plus a delicious High Tea

For only $125 Add a HydroMassage and Steam Experience for $20

Valid until 30/11/13

Bookings phone 5440 3355 www.noosasprings.com.au

the spa

september 2013

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the beauty spot

savvy snacks for teeth with Dr Simone Ricketts So you’ve mastered the art of brushing and flossing, but frustratingly you are still getting tooth decay. Why?

t in e l ates you th g in r . b we advice be aut y

Let’s get back to basics. For tooth decay to form, you obviously need teeth (crowns, implants and denture teeth can’t decay), specific decay producing bacteria (we all have some) and food to feed these bacteria. If we can limit the food supply to these bad bacteria, then they literally can’t flourish and therefore can’t produce the acids that erode teeth and produce decay. Tooth decay would normally occur when the bacteria in the mouth turn sugars into acids, which eat away at the tooth’s surface, causing decay. Try to eat a healthy balanced diet avoiding sticky or liquid sugars. Dentists agree that the decaycausing potential of food is not necessarily totally related to sugar content, but rather how often the sugar is eaten, the sequence the foods are eaten in (eating a bit of cheese after sweets is good, for example) and the amount of time the food remains in the mouth (keeping up the brushing and flossing can make a huge difference). The key to savvy snacks for teeth is to avoid simple sugars generally or to limit sugar fixes to once a month NOT daily, and especially not all day long. Avoid soft drinks, sugar in tea and coffee, fruit juices,

cordial, honey, muesli bars, sultanas and lollies. However, the good news is that chocolate IS ok for your teeth! Savoury snacks should be chosen over sweet treats. Rice crackers, Jatz biscuits, cheese, yoghurt, dips, fruit and vegetable sticks are all more favourable to teeth. Dairy products are especially good news for decay prevention as milk, yoghurt and cheese are rich in calcium. In addition, they have special anti-decay properties. Studies have found that within five minutes of eating a piece of hard cheddar or Swiss cheese the level of calcium in the saliva increases by approximately 10 times, helping to prevent tooth decay. UK research into food and dental decay shows certain foods including potatoes, rice, bread, fresh fruit, dairy products and plain chocolate have a low potential for causing decay, while sultanas, bananas and sugary biscuits are in the high risk food groups for people who are prone to decay. Remember you don’t have to live in a food monastery when it comes to looking after your teeth, just take note of the savvy snacks hints above to keep your precious pearly whites decay-free. Smile by Design 5443 2888 www.smilebydesign.net.au

Get ready for the summer rays! with Benita May

benita may

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We live in the most gorgeous place, with an awesome array of outdoor activities to enjoy throughout the whole year, but summer is especially good – swimming at the beach, surfing, sailing, veggie gardening! I love summer and remember lying in the sun as a teenager with coconut oil from head to toe, although these days I am much wiser about protecting my skin from the damaging UV rays. There are a lot of questions surrounding sun exposure and sunscreen.

little sun exposure is ok, but what about those extended periods of sun exposure? UVA penetrates into the deeper layers of the skin and causes damage in the form of wrinkles, sun spots (pigmentation) and leathery sagging skin (damage to collagen and elastin). UVA is still present on a grey day through the clouds and can penetrate car windows and some clothing. UVB is what makes you feel that you are burning. It is strongest between 10am and 4pm, especially through summer.

How much is too much? What about all the chemicals in sunscreen? What are the pros and cons of sun exposure?

So is sunscreen the answer?

One big pro is vitamin D. It is an essential hormone for healthy bones, immune function and blood cell formation. The body produces vitamin D every time bare skin is exposed to sunlight. According to the World Health Organisation, five to 15 minutes of sunlight a few times a week is all that we need to maintain healthy vitamin D levels.

Relying on a bottle of sunscreen to protect you from all the risks of sun damage is not the answer. Sun protection is two-fold – safe sunscreen plus safe sun habits. Wearing a hat and sunglasses, covering up and avoiding long periods of sun exposure between 10:00am and 4:00pm are some sun-safe tips. Safe sunscreen is a whole other topic that will be discussed in the next issue.

The cons are premature ageing, skin cancer and skin damage. UVA and UVB rays are what travel through the earth’s atmosphere and shine directly on our skin. So a

Bliss on Buderim 5477 1430 www.blissonbuderim.com.au profilemag.com.au

Have you met

Local mother-daughter duo, Kim & Natashya Manfield have always shared a love for fashion. In the Manfield house wardrobes are a free for all, with Natashya and her sisters forever raiding Kim’s endless range of garments and accessories. “The girls & I each have a very unique personal style, even though we tend to wear the same items,w e do so in such different ways,” Kim said.

“Mum always taught us the importance of developing a strong sense of who we are as women and dressing up to express ourselves,” Natashya shares. As soon as you step into Miss Manfield, you can feel the love that Kim & Natashya put into what they do. They don’t simply want to sell you the first dress you see. These ladies want to get to know you & help you create the perfect wardrobe to show the world how wonderful you are. Kim says ”creating a place where mothers, daughters, sisters & girlfriends can spend quality time together playing dress-ups, is so rewarding for us.”

Natashya Manfield Dresses Amie Eberhardt Jewellery Woodland Photography Model Dani Marano Stylist Dane Louie

Kim also loves watching Natashya grow as one of Australia’s most promising young fashion designers. “She came back from Project Runway stronger and much more focused. I’m so proud of the amazing work she has produced since.” “My next range is my own way of celebrating this beautiful place we live,” Natashya hints. “It has that effortless elegance that really suits a coastal lifestyle, but is still stylish in any city around the world.” Kim & Natashya design, style & source beautiful things because they believe that you deserve it.

Shop 10 Sandcastles on the Beach Cnr Parkyn Pde & River Esp, Mooloolaba

OPEN 7 DAYS 9.00am - 5.30pm

07 5444 5004 MISSMANFIELD.COM

vanity case

stylish clutch the perfect size for all the essentials, Cortes Clutch in Vamos print, RRP $179. Visit www.arthide.com.au

Be prepared with these handbag essentials! you just never know when you might need them.

handy to have

repair your hair

Attirance Bamboo Hand Cream, RRP $19.00. Available from attirance natural cosmetics & spa, mooloolaba. phone 5478 0100

KMS Moisture Repair Moisturiser, RRP $31.95. Available from Uptown Hair, Nambour. Phone 5441 2420

perfect skin Napoleon perdis Auto Pilot BBB Cream with SPF30, RRP $55. Available from tim loganâ&#x20AC;&#x2122;s nambour guardian pharmacy, Nambour central. Phone 5441 1417

high impact The body shop Colour Crush Lipstick, RRP $23.95 The new, super nourishing lipstick collection made from the finest quality crushed pigments. Available from the body shop, maroochydore. visit www.thebodyshop.com.au

frizz free the perfect gloss Add long-wearing colour and shine to your lips, while keeping them soft & supple with Youngblood Mineral Cosmetics Lipgloss, RRP $38.50. Available in a range of colours from esha beauty, shop 268 sunshine plaza. phone 5326 1650

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tiny enough to fit in your handbag, and so effective at keeping frizzy hair smooth when you need to freshen up in between work and drinks. toni&guy classic shine gloss serum, RRP $15.99. For Stockists phone 1800 061 027

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ESHA BEAUTY

september 2013

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style counsel ll photos michelle natoli, inspired photography

ikki Stacey and Lisa Howson are the dynamic duo who bring a splash of colour to the Sunshine Coast with their concept makeup store, Colorpop Cosmetics. Inspired by high fashion looks and with creative streaks to match, Nikki and Lisa have years of experience in the beauty and makeup industry. From photoshoots and fashion events to daily styling, the ladies have a wealth of knowledge to create their stunning unique beauty looks. Both professional makeup artists, with experience working with some of the world’s most recognised and prestigious brands, Nikki (a certified trainer and Cosmetic House makeup artist) and Lisa (a Cosmetic House makeup artist and qualified product development and merchandising expert) joined forces to launch their dream. Now, Colorpop Cosmetics offers affordable high-quality makeup, lash and brow services and makeup application workshops to inspire women to look and feel good every day.

Nikki Stacey and Lisa Howson

profile: What do you love most about your job? lisa: Making women feel good about themselves from the outside in. A few simple makeup techniques can make the world of difference to a woman’s confidence. profile: What makeup and beauty looks can we expect to see this season? lisa: The cat’s eye with a pop of colour and a bold lip is the quintessential look this season. profile: What must-have product should we buy this season? nikki: A beauty pod – silicone sponges that will transform your foundation texture into the flawless airbrushed finish that’s so popular right now. profile: Who is your favourite beauty inspiration? lisa: Audrey Hepburn. A natural beauty, yet so glamorous. nikki: Any woman over the age of 75 who still makes the effort to apply makeup in the morning – proving you’re never too old to believe in the power of ‘if you look good you’ll feel good’. profile: How would you describe your own beauty style? lisa: I like makeup to complement my natural features. Being a mum means sleepless nights and dreaded dark circles, so I try to make sure my skin exudes radiance by using a dewy foundation, contouring/highlighting specific areas and using a good quality concealer under the eye area. profile: What is your beauty inspiration? nikki: Texture. We have seen every colour, but it’s the texture of how it sits on the skin that makes a product desirable. 58

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profile: What is your favourite brand? both: We love a brand from Melbourne called Gorgeous Cosmetics offering boutique makeup products at a great price point. The Base Perfect foundation makes all skin types look good. profile: What is coming up in-store? lisa: Lots of new and exciting brands/products that haven’t been seen and have not been available on the Coast … until now! profile: What do you always have in your handbag? nikki: Colorpop Cosmetics lip-glosses – note the plural! I have half a dozen shades rolling around in there. profile: What is your signature makeup look? nikki: I always design the makeup look to suit the client, but my style of applying makeup is very clean and precise – flawless skin, groomed brows, neat edges and balanced features. profile: What is your best beauty tip? lisa: For a gorgeous warm glow, mix a highlighter in with your foundation or chisel in the cheekbones with a creamy bronzer – perfect for the summer ahead. profile: What is your craziest beauty moment? lisa: Being a little girl and putting glitter nail polish on my eyelids because I liked the gleam. Needless to say it didn’t end well.

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bliss on buderim

beauty

...it’s all about you

The seven biggest mistakes you could be making that could cause permanent depression, anxiety or ADHD. Are you not as happy as you used to be? Is stress, anxiety, depression, insomnia or ADHD overwhelming you? Are antidepressants not working for you? Do you find yourself irritated, not able to feel excited, or constantly thinking negatively? Do you have trouble sleeping or difficulty stopping your mind from racing? Do you wake often through the night? Do you get anxiety at bedtime – your heart beating while your head is on the pillow? We have had an incredible response from all who logged on for the last webinar we ran about one of our specialist topics – solving the puzzle that creates anxiety, depression and ADHD. There are seven key underlying triggers which can cause all of the above symptoms including anxiety, nervousness, depression, lack of excitement and a loss of motivation. When you put it all together, it makes sense. Stress feels overwhelming and little upsets can cause feelings of anger. Palpitations, excessive heat in the body, tingling in the hands or feet, irritable bowel syndrome, foggy brain and lack of concentration, including ADHD in children, can also be present. Often these physical september 2013

signs have been going on for months, years or even decades. You may suffer just a few of the above symptoms or perhaps all of them. If left untreated, the seven key triggers can produce a compounding effect that the brain cannot deal with. This can lead to long term, and then permanent, brainwave pattern changes affecting personality, mood and the ability to think and cope. Fortunately it can be quite easy to address. Patients who have suffered depression for four decades have reported to have improved out of sight after one month, and other patients have shown improvement after just one week of treatment, including sufferers of major depressive disorder and ADHD. These people have consequently been able to reduce their medication in less than seven weeks. Incredibly, the results are permanent and medication free. Proven with testing, these steps improve brain function immeasurably in adults and children without the help of medication. To find out more, call the centre and arrange a FREE half an hour consultation, or view the

webinar on our website. A webinar is simply a seminar that you can see on the internet. You just register through the website and it will play on your computer. It’s easy and it’s FREE. Register now for Seven Steps to Freedom from Anxiety, Depression and ADHD at www.advancedwellness.com.au. “Awesome, awesome, awesome ... this webinar is a MUST for everyone who cares about their overall health ...” J.M. from Buderim “Oh my lord, what an informative webinar … Brilliant” L.D. from Chermside “I thought the webinar was fantastic ... I now have a fuller understanding of my health” L.C. from Buderim www.advancedwellness.com.au Jodi Chapman B.H.Sc. Naturopath Nina Stephenson B.H.Sc. Naturopath & Nutritionist

Advanced Wellness & Behavioural Centre 5443 1987 44 Baden Powell St, Maroochydore

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live well

Good health is so important. We talk to the experts for all the latest in health and well-being.

get your skin spring ready We know too well the drying effects winter can have on our skin, especially on delicate facial areas so spring really is the ideal time to correct any skin ailments. The Spa at Noosa Springs can help you on your way to a better complexion with its Sublime Springs spa package designed for body and mind rejuvenation ($125). The package includes a Tropical Enzyme Boost Facial followed by a refreshing high tea in our leafy, subtropical courtyard. The Tropical Enzyme Boost Facial incorporating Eminence organic skin care products will slough away dead winter skin and reveal fresh and more youthful looking skin. Suitable for all skin types, the facial uses tropical fruits such as coconut, pineapple and mango to deeply exfoliate and cleanse the skin leaving it with lasting hydration and a healthy tropical glow. For an additional $20 you can prime your skin for deep cleansing by using The Spa’s thermal suite: hydromassage pool, steam room, infrared sauna and blitz shower. Boasting the region’s largest hydromassage pool, the filtered, chlorine-free and oxygenated water has a gentle detoxifying effect. Your skin will absorb the active marine, mineral and aromatherapy extracts, meanwhile your body will feel the effects of increased blood circulation and stimulated lymphatic function which strengthens your immune system and improves your metabolism. Enjoy a Sublime Spring solo or as a girlfriends’ getaway. It’s a great way to take time out and reconnect with friends in a relaxing, therapeutic environment. Noosa Springs | 5440 3333 www.noosasprings.com.au

uplifting experience! with Dr Jayne Bambit Let’s face it, many of us ladies are unhappy with our breast size or shape. Too big, too small, too droopy, unsymmetrical … the list goes on. However, there are procedures you can undertake to give you the bust you have always wanted and there are many choices. Here are a few common procedures and what they involve.

Breast Reduction Breast reduction is surgery to reduce the weight, mass and size of the breasts. The procedure involves the removal of fat, breast tissue and skin from the breasts, and remodelling the shape of the breasts, making them smaller, lighter, and firmer. The goal is to give you smaller breasts which are attractively shaped and are in proportion with the rest of your body. Although some patients choose breast reduction for cosmetic reasons, many who undergo breast reduction surgery are seeking relief from medical and/or psychological problems associated with the excessive weight of large breasts.

Breast Augmentation/Enlargement

Breast Uplift (Mastopexy)

Breast augmentation is the enlargement of one or both breasts by the surgical insertion of specially designed implants. The procedure is generally carried out to enlarge and enhance small or underdeveloped breasts to balance asymmetry (unequal size/shape), or to improve sagging or loss of breast volume following childbirth and breast feeding.

Breast lift, or mastopexy, is a surgical procedure to lift the breasts. The procedure is generally carried out in those who, for a variety of reasons such as gravity, ageing, weight loss, pregnancy and breast feeding, have experienced a sagging of the breasts. As the skin loses its elasticity, the breasts tend to elongate and lose their more youthful form. The nipples tend to descend downwards to a varying degree.

Choosing Breast Augmentation is very personal, and there are many different options when considering this procedure. Whether your aim is to improve self-confidence, restore your figure or balance your proportions, Dr Bambit will inform, advise, guide and assist you with regard to the various options, and enable you to make the choice that is right for you.

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There are several different techniques of this procedure and the technique chosen primarily depends on the degree of breast sagging (‘ptosis’), the resultant scars and the shape you wish to achieve. Lavish Cosmetic Surgery Clinic | 5452 5222 www.lavishcosmetic.com.au

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* Conditions apply.

september 2013

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I made it! The Fernwood eight-week challenge has come to an end and I never imagined I would say it but ... I am a little sad it’s over! Really!

Ing rid Nelson

The challenge has been a fabulous kick-start to a happier, healthier me. Julia and the fabulous team at Fernwood, Maroochydore have helped me to make some simple and achievable lifestyle changes that have drastically improved my health and well being in so many ways. Not only have I shed some hard to shift winter kilos and lost some inches but I have emerged from the challenge mentally and physically stronger and determined to continue on my journey towards a healthier lifestyle. Fernwood are not just about losing weight. It’s a place where women feel welcome, encouraged, inspired and most importantly, supported. Even if it’s just to pop in for a chat and a cup of tea or a massage, it’s all about you. The friendly faces have become so familiar to me over the past weeks and each of them have been a wealth of knowledge in different areas.

• • • •

The food coaching sessions with Julia Richardson have been an invaluable part of the program. Julia’s easy to follow eating plan makes life simple - no need to prepare several different evening meals for the family which is so important for busy working mums. The personal training sessions have been a key element in reaching my target goals. The team of trainers work with each individual, tailoring the session to meet your specific needs, fitness level and any injuries you may have. Gay, you rock! On those days when I really found it hard to face the gym, a Zumba class was the exercise of choice. Dancing like no one was watching for an hour to sexy Latin beats, worked up a big sweat without feeling like hard work. I highly recommend it for all ages. I have made so many friends along the way during the challenge. And while each of the ladies may be working towards different goals, one thing we share in common is a quest for a balanced, happy, healthy lifestyle and Fernwood is the perfect environment to do just that. The eight week challenge may be over but this is just the beginning of a new era in my life and I have vowed to continue on my journey towards a stronger, fitter me with Fernwood.

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IT TOOK A STINT IN THE MILITARY, A PARTNER WHO MAKES THINGS HAPPEN, AND JUST A TOUCH OF LUCK FOR FRENCH BORN CHEF, FRANK BOULAY, TO FIND HIMSELF IN THE KITCHEN OF PALMER COOLUM RESORT’S CAPTAIN’S TABLE RESTAURANT. AND LUCKILY FOR US, HIS PASSION FOR FRENCH FOOD HAS INFILTRATED THE MENU, JUST AS HIS LOVE FOR AUSTRALIA HAS INFILTRATED THE HEART OF HIS FAMILY.

rench born Frank Boulay is a man with a passion for food. It was a chef from Boston, Bill Brodsky, who gave Frank the chance he needed to make food his living. “Once in your life you find someone who will give you a chance,” Frank remarks. “When you do, you must take it.” Take he did. So much so, that food has now facilitated Frank to travel the world, discovering and learning culinary delights while honing his craft, recently taking up the role of Chef at the Captain’s Table Restaurant, at Palmer Coolum Resort. Frank had only been cooking for three months before he was given the opportunity to cook by his mentor, Bill. In fact, growing up, Frank had studied to be an engineer. It took him some years to figure out that he could actually make a living out of food, a dream he never thought possible. Bill was the one who started it all for him. Within a matter of only four years of starting his cooking career, Frank found himself opening the first box of plates at the Ritz Carlton, Grand Cayman, as sous chef, where he helped launch the famed restaurant. “I was really happy with that,” says Frank, an understatement of culinary proportions. In chef terms, Frank was a late bloomer starting his culinary career at the ripe age of 26, which he says was “very tough”. As a waiter, he had always been attracted to the kitchen, but had deemed himself too old to take up a cooking apprenticeship. But it took his love and life partner, Austrian born Karin, to open the door he needed to his destined career. Karin was the instigator who found Frank the job working at Bill Brodsky’s Cape Cod restaurant. In Frank’s words, “she made things happen”. Frank and Karin originally met and fell in love while working as wait staff on a cruise ship sailing the seas of Puerto Rico.

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They travelled the world together, working in such places as the Cayman Islands and Switzerland, and eventually found themselves in Australia. “I came [here] with my partner with two backpacks. Now we have two daughters and a beautiful house,” Frank smiles. On further probing, it seems that many major milestones in Frank’s life have happened just as simply. On arrival in Australia, he was told of a job in a Sydney French restaurant for a French waiter. Frank was offered the job “just like that”. Now the couple have made the Sunshine Coast their home, along with their two daughters, Leonie (three) and Olivia (one). The rest, as they say, is history, with Frank and Karin warming to their new homeland as the place to raise their delightful daughters. “Australia is the best country in the world,” Franks beams. “I love living here. It is great. Sunshine every day! I am so happy to be working for the Palmer Coolum Resort.” When asked to describe the food at the fine dining restaurant that is the Captain’s Table, Frank explains that the new menu is very much a fusion of French food and Australian influence … clearly swayed by Frank’s never ending passion for his birthplace. “We [French] live for food,” he remarks. “I was always surrounded by food, my grandmother especially and my mother were always cooking. I never really realised you can make a living out of it.” But a living he has made, in one of the most prestigious establishments here on the Coast, allowing us fortunate locals the opportunity of tasting the delights of this highly respected international culinary artist, right here in the best place, in the best country in the world.

www.palmercoolumresort.com.au

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PALMER GRILL

NED KELLY’S

ROO BAR

A popular weekend dining option with locals, the Palmer Grill restaurant is a bright and airy eatery with views directly over the resort’s golf course … not to mention resident dinosaur, Jeff. The restaurant is renowned for premium grilled meats and seafood, and with a new menu just released, is well worth a visit. I just love the atmosphere from the open kitchen – a great spot for a girlie lunch.

Formerly known as Bruschetta, Ned Kelly’s serves up an array of contemporary Australian fare with a focus on fresh seafood and game. The restaurant is café style and is the perfect local hang out. Dine on the terrace overlooking the pool for a relaxed dining experience. Oh, and make sure you check out the lunch specials – at only $25 for two courses or $30 for three courses, you can’t find better value.

If you are just after a relaxing drink in the Village Square, try the Roo Bar (located next to Ned Kelly’s). The busy outdoor bar serves an array of cocktails, Australian craft and imported beers, spirits, and wines from Ned Kelly’s list. The bar is also great for coffee and cake, and they make a mean dessert!

Open for lunch and dinner Thursday to Monday

Open for lunch and dinner daily

THE SMILING DUCK

CLUB PARISIEN

CAPTAIN’S TABLE

If you have been living under a rock, you need to crawl out from under it and head to The Smiling Duck for their sensational yum cha – a true find for a yummy five-course dining experience. Located on the upper level of the Village Square, The Smiling Duck also specialises in fresh flavours direct from the wok, authentically cooked by South East Asian chefs in an open kitchen. Try their duck wontons and Pad Thai.

I’m not much of a golfer, but I do know good golfing food and Club Parisien, located next to the Golf Pro Shop, serves up the perfect golfing fare. From sandwiches, wraps, salads, pies and sausage rolls, Club Parisien provides golfers with an oasis after a long game, or if you are a non-golfer like me, the perfect place for a casual bite and refreshing drink on a warm spring day.

Set in a grove of Angophora trees close to the Village Square, signature restaurant, Captain’s Table, offers modern Australian cuisine with a French influence. This is my favourite restaurant in the resort – it is elegant, tranquil and the food is absolutely sensational. The service is professional yet unpretentious, and the menu reflects the local produce of the region including fresh fish, scallops and seafood and French food with an Australian influence, thanks to the Chef, Frank Boulay.

Open daily 9am to 5.30pm

Open for lunch and dinner Thursday to Monday

Hours 6:30am to late daily

Open for lunch and dinner Tuesday to Saturday

SPECIAL S NED KELLY’S

Ribs, Chips + Beer only $35pp Sunday Tapas for Two $35pp PIZZA PASTA The Village Square at Palmer Coolum Resort offers up a huge array of casual dining experiences. Pizza Pasta offers a delectable range of traditional pizzas including margarita, marinara or napolitana. Try their delicious Thai pizza with roast chicken, mango paw paw chutney and coconut satay sauce. Also featuring a selection of handmade pastas with a range of toppings. Pizzas and pastas can be enjoyed al fresco in the relaxed surrounds of the Village Square, or to take away back to your suite. Open daily 11am to 9pm daily

THE SMILING DUCK

12-3pm Yum Cha $30pp, 5 courses, a glass of wine + a pot of green tea.

CAPTAIN’S TABLE

Lunch + glass of wine or beer $30pp 2 Course $30, 3 Course $35pp

PALMER GRILL

If you’re on the move, Burgers & Beer provides a wide variety of foods including crafted beers. Grab a burger with fries, tasty nachos, or choose from the huge range of gourmet toasted sandwiches such as smoked salmon, brie and capers. A special kids menu is also available including chicken schnitzel or fried calamari with chips. Open daily 11am to 6:30pm

Business lunch, 2 courses + glass of wine $30pp

Warran Road Coolum Beach Qld Reservations: 07 5446 1234

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BURGERS & BEER

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A SELF CONFESSED FOODIE, GENINE HOWARD TAKES A VISIT TO HER FAVOURITE HAUNT, THE PALMER GRILL RESTAURANT, LOCATED WITHIN THE PALMER COOLUM RESORT LOBBY OVERLOOKING THE LUSH 18 HOLE GOLF COURSE AND FALLS IN LOVE ALL OVER AGAIN …

e are so blessed on the Sunshine Coast to have a plethora of amazing restaurants to choose from, from casual burgers by the beach to some of Australia’s finest dining options. So why is it that we tend to go back to the same restaurants each time? Palmer Grill at the Palmer Coolum Resort seems to be one of those restaurants for me. I have lost count of the number of times I have dined there, or simply shared a glass or two of bubbles in the bar. I have dined with friends. I have dined with family. I have even dined with strangers (not in some weird stalker kind of way, but on a tourism famil). And each and every time I have been, I have fallen in love with a new dish, truly, madly, deeply! Chef Shaun Dejeet brings energy and zest to Palmer Grill. Shaun’s fresh approach and love of food shines through in his modern creative menu. The restaurant is renowned for its steaks and seafood, all cooked right in front of you in the lively open kitchen. This is what gives the restaurant its charm – nothing beats sipping a crisp Sauv Blanc whilst the delectable smells of your sizzling lobster thermidor, or your slow cooked lamb rump, waft from the kitchen right to your table, while you gaze out over the beautiful 18-hole golf course on a sunny Spring day. Mind you, I am sure that Jeff, Palmer Coolum’s resident dinosaur, would be able to smell that lamb rump and would certainly like a tasty bite! The first time I fell in love with Palmer Grill was when I sampled one of their sublime steaks. I am a big steak fan, in fact we eat steak almost every second night in our house. But nothing compares to a thick, A grade slice of Wagyu sirloin ($64), marbled with tender goodness and cooked slightly rare (apologies to the vegetarians!). Other steaks on their menu include Mulwarra raised grain and grass fed beef (Mulwarra beef is sourced from various regions in Eastern Australia) ranging in price from the Black Angus scotch fillet

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($40) right up to the giant 600 gram Tyrannosaurus T bone ($56). Note, no dinosaurs were harmed in the making of the menu! The second time I fell in love with Palmer Grill was when I ordered seafood. Always a perfect choice for the Sunshine Coast, the seafood on the menu (for June) included Hervey Bay scallops wrapped with prosciutto ($29) and freshly shucked Cloudy Bay oysters served with a yummy raspberry mignonette and horseradish ($23). Being entrees, I decided to have them both! If steaks or seafood are not to your liking, the menu does offer up some lovely delights to make your heart sing, including sweet Bangalow pork loin cutlet ($42) and spatchcock from the grill ($38), along with a wide variety of appetisers and mains. Which leads me to dessert. Oh how I have fallen (many times) for a dessert at the Palmer Grill. I know desserts are not their ‘thing’, but I am telling you, one bite of their planet chocolate praline and hot chocolate fudge and you will be head over heels in love. You also cannot go past the divine vanilla crème brulee, cherry compote and almond crisp, or the apple tart vanilla ice cream and crème anglaise (all $18 and worth every cent). As expected, the menu does change seasonally with more delectable delights to be found each time you visit, but I, for one, am sure hoping my true love, the planet chocolate dessert, stays on the menu! So if you are yet to make a visit to Palmer Grill, I can certainly attest that it is an experience that will have you walking away struck by Cupid’s bow of the gastronomic kind. And ladies, you know what they say: the way to a man’s heart is through his stomach? Palmer Grill would be the ideal place for your next date if you are looking for true love, and if all else fails, you can always order a second dessert ... amoré !

www.palmercoolumresort.com.au

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Veal medallions, prawn bisque and spring vegetables

A TOUCH OF FR ANCE FRENCH BORN CHEF AT THE CAPTAIN’S TABLE, FRANK BOULAY, SHARES WITH US ONE OF HIS FRENCH INSPIRED RECIPES FROM HIS NEWLY CREATED MENU FROM THE CAPTAIN’S TABLE RESTAURANT: TENDER VEAL MEDALLIONS SERVED WITH A PRAWN BISQUE AND SPRING VEGETABLES. A TOUCH OF FRANCE RIGHT HERE ON THE SUNSHINE COAST!

Ingredients (serves four)

For the bisque:

Method

• 600g of veal tenderloin cut into 12 medallions of 50g each

• 3 golden shallots diced

For the bisque

• 12 Mooloolaba king prawns

• 3 garlic cloves diced • The shell and head of 12 prawns

• 8 green asparagus tips • 4 baby Dutch carrots • 4 baby yellow carrots • 100g fresh baby peas • 100g fresh broad beans • 4 spring onions cut into 8cm • 100g fresh green beans • Tarragon sprig

• 5g cracked black pepper • ½ bunch tarragon • 100ml brandy • 200ml veal jus • 1.5 litre fish fumet or water

Main dish

• 100ml heavy cream

Clean and prepare the spring vegetables. Bring a pot of salted water to boil and cook the vegetables for two minutes, shocking them in ice water immediately after. To assemble, heat a sauté pan with a little vegetable oil, add the seasoned veal medallions, colour both sides and cook to the desired temperature. In another heated sauté pan, add vegetable oil and cook the prawns each side for one minute. Reheat the spring vegetables in boiling water for 30 seconds. Place the veal medallions and the cooked prawns on a plate, pour over the hot prawn bisque and arrange the spring vegetables and fresh herbs around the dish. Enjoy!

• Salt to taste

• Dill sprig • Vegetable oil

Warran Road Coolum Beach Qld Reservations: 07 5446 1234 66

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In a large saucepan, warm a little vegetable oil and sauté the shallots, garlic, prawn shells and the cracked pepper over a medium heat for seven minutes. Off the fire, add the brandy and tarragon and return to the stove. Next, add the veal jus and fish fumet (or water), and simmer until the liquid has reduced by half. Then add the cream and cook for another five minutes over a low heat. Strain the bisque and reserve.

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How do we help you Grow? Do you know if you can claim your home mortgage as a business cost?

We do!

Email now for the answer grow@growaccoun�ng.com.au

Unit 5, 61-63, Primary School Crt. MAROOCHYDORE Qld 4553 growaccoun�ng.com.au

september 2013

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the panel

Linda Ireland B.Bus, Dip.FS (FP, FMB), C.Dec

Laurie Clarke Owner BOQ Maroochydore

Director Mortgage Choice, Buderim www.linda.ireland@ mortgagechoice.com.au

As a first homebuyer, how much deposit do I need? Buying a first home is often one of the largest financial decisions most Australians will make. Needless to say, saving a deposit for such an investment is a top priority when looking to enter the property market. As a first homebuyer, you may be eligible to apply for government assistance, such as the Great Start Grant. The $15,000 grant gives first homebuyers building or buying a new house, unit or townhouse valued up to $750,000 a leg-up. You may also be eligible for a stamp duty concession, which is available for properties valued under $550,000. A grant and/or duty concession will no doubt be welcomed, but it’s important to remember that you will still need to save a minimum deposit of at least 5 per cent of the property purchase price. In most cases, lenders require a certain percentage of your contribution to be made up of genuine savings, accumulated over a period of time. Some lenders may also consider rental payments as savings evidence, but there may be conditions attached, so do your research. First time homebuyers might also ask for help from their family, who can guarantee the loan by using the equity in their own property as security. While this won’t put you steps ahead with building your loan deposit, the guarantor will help you bridge the deposit gap and may help you avoid paying costly lenders’ mortgage insurance, which applies if your deposit is less than 20 per cent of the purchase price. Keep in mind you still must be able to repay the loan on your own and it’s a good idea to seek legal advice to ensure all parties are aware of their rights and responsibilities. When it comes to assessing your ability to borrow funds to buy your dream home, lenders will take into account your deposit and a range of information about your financial history and current financial situation. This will likely include an assessment of your current income, living expenses, assets and liabilities such as credit card debt and other loans. Before signing up to a loan it’s a good idea to shop around for one that meets your needs. There is a wide range of loans and lenders available and a mortgage broker, like myself, can help you compare your options to find one that’s suited to you.

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Business compliance – just a cost or one of the keys to customer service? This is the fourth in a series of articles based on the seven categories BOQ has used in its Star Rating and Branch of the Year Awards, which Maroochydore branch was fortunate enough to win in 2012. When coming across this article about compliance – two questions may spring to mind. 1. Why would anyone write an article about bank compliance? 2. Why would compliance be a category in a rewards and recognition program? Good questions, but stick with me and I’ll try to make my case. Often, businesses simply see compliance as a cost and it therefore becomes a tedious chore and a low priority. This creates business risk, which can rear its head at some point in the future. Solving the issue then can be extremely expensive and time consuming. Our approach is to view compliance from a customer service and productivity perspective, and to hard-wire it into our business systems so that it forms part of our normal business processes. It does not seem as much of a chore then. Here’s an example. If every client file is in good order and all information accurately validated by the time a loan is settled, then this enables several things: 3. The next time the client needs something, we can get straight into the work without having to backtrack and get historical information. 4. Any staff member who picks up the file will be able to understand the client position and assist them promptly. 5. As the business owner, I sleep well at night, knowing that our personal risks are minimised if anything should go wrong down the track with the loan. All of these instances mean a better client experience, improved staff productivity and a more robust business when it comes the time to sell. A more general example is the BAS and GST system. No one could argue that it is a chore even if you have external bookkeeping assistance. But the upside is that most businesses can now access profit and loss information on their business on a much more timely and accurate basis than pre-GST. For example, on 2 July, I sat down with a client and was able to accurately work through his borrowing capacity to support a business expansion – and all because he was able to provide a profit and loss report for the financial year on his iPad. This would not have been feasible without the business disciplines forced on the sector by tax regulations. Like everyone (or most people) compliance work can be a chore. I would much rather be spending time with clients. But it is a fact of life, and a positive spin on the subject can make it something we can live with productively.

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the panel

Welcome to this month’s edition of the panel; a place where we invite our business experts to answer your questions – for free! It can certainly be tough running a business on your own, so our experts will be on hand each month to offer advice.

Jamie Grigg

Director, Jamie Grigg Insurance jamie.grigg@jgiinsurance.com.au

Peta Grenfell B.Bus (Acc), CPA

Partner, PWA Financial Group Pty Ltd info@pwafinancial.com.au

I’m a 40-year-old female, focused on paying off my mortgage and building my business – but should I be worried about my super balance? The short answer is … it depends! Planning for retirement is a personal thing that involves so many variables. But the one constant in this answer is the need to plan. Firstly, you need to ask yourself some questions: •• When would I like to retire? •• How much money will I require to fund my lifestyle in retirement? Once you have an idea of the end goal, you can then start playing with the numbers to see if it’s achievable. But to give you some food for thought, according to Challenger Retirement Income Research, the average 40-year-old male has approximately $60,000 inside superannuation. However, females only average between $35,611 and $38,199 at the same age!! If this sounds like your current super balance, even with another 20 (or so) years of earning potential and whatever growth your super fund achieves, it doesn’t sound like a lot to fund your retirement. Under current legislation, superannuation is a very tax effective retirement savings tool. And while you might think that retirement is in the distant future, is it really? Being 20 years old only seems like yesterday, so you can imagine how quickly 60 will come around. Everyone’s situation is different. But sitting down with your accountant and financial planner, talking about your financial goals and working out a plan tailored to your needs is vital! A good adviser can model scenarios showing various options for achieving your goals – taking into account your current lifestyle (aka shoe) needs! 40 may be the new 30, but no one wants to work forever – so now is the time to think about your financial future and put some strategies in place!

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What’s the importance of a correct insured name or entity? I come across incorrect insured names on a business or domestic policy more often then any other error in my field, and it is a potentially fatal trap to find yourself in. My clients are usually unaware of the possible risks associated with insuring their businesses incorrectly, so I want to set out the importance of this, so that you can rest assured knowing you are sufficiently protected should the worst happen. When arranging business insurance, the insurance broker / agent should always ask for the correct insured names and what assets they own to be noted on the policy schedule, as this is one of the most crucial parts of creating a new contract. In providing these names and assets, be vigilant. I want to demonstrate a scenario I come across often – I meet with a potential client who owns a small real estate business, for example, let’s call it Real Estate Business. After viewing the client’s business insurance policy, I can see the trading insured name Real Estate Business has been recorded on the business policy. Excellent! I then proceed to ask the client who owns the building that the business is currently trading out of? The client replies that they own the building, however it is under the name of the Smith Trust. Here lies the problem. The client thinks that by insuring the building under the business name (Real Estate Business) they would be covered in the event of a total loss. Incorrect! As the property owner (Smith Trust) does not currently have a policy, the insurer can’t pay a claim for a total loss on a policy that does not exist. In other words, as the building is owned by Smith Trust, this entity should have it’s own policy to cover the building. As this is not the case in this scenario, the insurer would quickly deny any liability and decline to pay the claim, leaving the client with a loss that could range from anywhere between 100 thousand dollars to 10 million dollars, depending on the building’s value. It is therefore vitally important to remember when starting your business to disclose the correct insured names or entities and what they own, so in the event of a claim, the insurer will pay the claim and your business will be able to continue.

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my business

What can I do to improve my cash flow?

welcome to business spotlight – where local business people share advice from their industry, to help you in your business or home. This month, we explain How to improve your cash flow with jodie thompson of pjt and setting opals with Rhys fox of opals down under.

Information provided by Jodie Thompson from PJT. www.pjtaccountants.com.au

Many business owners think that the only thing that you can do to help your cash flow is to cut costs. Reviewing your expenses is necessary, but ensure you do not cut expenses in the wrong areas which can be detrimental to business growth. One of the first things to do is to look at your business structure. You will need to get some expert advice in this area. Restructuring your business and financial affairs can help save you quite a bit of money. Opportunities may exist to turn non-tax deductible debt to tax deductible debt, pay down loans and free profits locked up in companies. With low interest rates at the moment, review your finance package from your bank and compare it to others. Restructuring your borrowings can also free up security and reduce repayments and interest. For example, if you are continually using your overdraft, it may be cheaper to refinance this into a smaller overdraft and the balance into a loan. Your invoicing and debt collection processes also play a big part. Ensuring you are getting your invoices out quickly, obtaining upfront or interim payments will make a big difference. Have a strict debtor policy and someone responsible to ensure it is being followed. Finally, improving your gross profit will make one of the biggest impacts. Assistance with how you can increase sales and monitor your margins will help you get there. I recommend gaining advice from an experienced business advisor who is also knowledgeable in tax planning and restructures to help you implement the above tips. You will be amazed at what the savings can be.

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The nature of opals Information provided by Rhys Fox, assistant manager of Opals Down Under. www.opalsdownunder.com.au

It is a common occurrence in our store to deal with enquiries about the limitations of setting Australian opal, and we often find ourselves explaining what can and cannot be done to this gem. Opals are not as hard as diamonds, so some settings, such as tension settings, are just not suitable for opal due to its softer nature. Faceting opal is also a no-no. The faceted points will wear easily and also interfere with the natural play of colour. Despite these limitations, there are still countless ways to set Australian opal while also maximising its amazing display of colour and patterns. For example, purple, blue, and the slightly rarer green hues really come to life in whiter metals (silver, white gold, platinum), as the cooler tones go well with each other. The same can be said for red, orange and pink hues when set in yellow or rose gold. That said, some deeper, more vivid greens look absolutely amazing in the warmer metals too. Try experimenting with looks and tones for complementing stones for the opal. White diamonds, pink sapphires and black diamonds can enhance the appeal of the setting, and make the opal really stand out. If you’re determined to have a cluster of opals, keep in mind that the smaller the stones are, the less variation in pattern and colours you will get. Opals are all about colour and outstanding patterns, so they do need some surface area to display this. A three millimetre round opal won’t inspire people to take another look.

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september 2013

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Transform a Child’s Life...Foster Carers Needed.

Life Without Barriers’ innovative care and support services deliver meaningful outcomes for children, young people, families and communities, promoting rights and valuing relationships. We are currently seeking compassionate people willing to share their home with children and young people that require their support and care. Carers can be single, living with a partner or have their own children. To assist you to enhance a child’s quality of life, we offer excellent training, 24 hour support and financial reimbursement. You need to be able to provide a nurturing home environment and whilst previous experience is highly regarded, it’s not essential. In becoming a carer you undertake a full carer assessment process and engage in ongoing learning and development activities. For more information about this challenging and rewarding opportunity contact us on:

(07) 5444 2293

www.lwb.org.au

» » » CT Scan » » » »

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scbwn awards feature

WE MEET AND PROFILE THE FINALISTS OF THE 2013 SCBWN AWARDS The Sunshine Coast Business Women’s Network was established in 1992 and has a growing membership of more than 350 professional and career focused women. Members range from senior executives to business students and business owners to employees, all representing a variety of business activities, and outstanding in their respective fields. Today, the network is recognized as the peak body representing professional businesswomen in the region. Each year, the network recognizes key women at the annual Sunshine Coast Business Woman of the Year Awards. The awards are a prestigious event and, now in its 15th year, continues a longstanding reputation of prominence on the region’s business events calendar. The awards are presented at a gala evening to showcase and cast a shining light on the numerous achievements of these women from a diverse range of industries and the invaluable contribution they make to the business and within the community. This year saw the Coast’s top business women, selected by Coast business identities, announced as finalists across four categories. The gala evening was held at the Maroochy RSL on Saturday August 24 where the winners were announced. Head to www.scbwn.org.au to see who the 2013 winners are! The major sponsors for this year’s awards include Garland Waddington Solicitors, Telstra Business, The Events Centre Caloundra, University of the Sunshine Coast and Sunshine Coast Grammar School.

september 2013

TSU SHAN CHAMBERS

KYLIE PATCHETT

YIN HEALTH

TALL POPPY

FINALIST - YOUNG BUSINESS WOMAN OF THE YEAR

FINALIST MICRO/ SMALL BUSINESS WOMAN OF THE YEAR

CARLY EARL

KELLY THOMAS

ECO CHILD

ADFX (ADVERTISING FX & CONSULTANTS)

FINALIST - YOUNG BUSINESS WOMAN OF THE YEAR