Business Matters Magazine Issue 62

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ISSUE

62

M A T T E R S

M A G A Z I N E Publication date 16 June Next issue 21 July

w w w.businessmat t ersm ag az i ne. com .au

2014

YOUR SUNSHINE COAST BUSINESS MAGAZINE

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editor’s note

EDITOR’S NOTE with Vickie Magic

SCAN HERE TO WATCH VIDEO OF VICKIE

You can only become truly accomplished at something you love. Don’t make money your goal. Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you. Maya Angelou

This issue is about money and you. What is your relationship with money? Does it own you? Does it run you? Does it make you who you are? Are you driven by it? How much do you have to have? Can you live without it? Do you make decisions for your business based on it?

So here’s the thing. I honestly believe that money is irrelevant, that money doesn’t matter. I honestly believe that if you are driven by purpose and by passion and they are what you make your decisions on, that your purpose and passion are the things that make you get up in the morning, the things that light you up, the things that make you smile, make you do what you do every day – I believe that only then the money just comes.

You don’t have to worry about it, plan for it, hope for it, when you are driven by purpose and passion and want to make a real difference in the world. Then everything you touch will turn to gold. Believe me, I know this to be an absolute fact. If there is one gift I can offer you, one goal I can help you to aspire to, it is this – DON’T do anything for money, DO EVERYTHING TO MAKE A DIFFERENCE in the world and in the life of the people around you, AND THE MONEY WILL COME. Not magic, just common business sense.

Business Matters Magazine supports local charity The Encouragement Foundation. We would like to raise money for a perpetual book bursary for local, sometimes struggling, university students who need some assistance.

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If you would like to donate please email vmagic@bmmag.com.au. Help us help our future business owners right here on the Sunshine Coast.

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CONTENTS

6

Small Business of the Year: Business Matters Magazine

Published by Matters Magazine ABN: 95 131 837 833 P. 5444 4456 F. 5302 6609 Noel Burns House 18/21 Nicklin Way, Minyama Editor/Advertising Enquiries Vickie Magic 5444 4456 or 0433 198 868 vmagic@bmmag.com.au Photographer/Distribution Operations Manager Dranko Magic, 0408 751 863 magic@bmmag.com.au Business Development Manager David Billsborough, 0419 196 879 Creative Director Leisa-Kay Fleming, 0400 552 954 Writers, Columnists and Sub-editors this issue: Amanda Gore, Amanda Oxley, Dranko Magic, Ken Wright, Mark Jamieson, Paul Barr, Rod Richards, Steve Goodman, Ted Fitzgerald, Vickie Magic, Vanessa Webster

6 Top 10 ways to not let money control you by STEVEN GOODMAN. 8 THE PRIVACY ACT - what does this mean to you as a business owner?

10 TAX PLANNING MATT DRYDEN from Dryden and Associates.

11 MENTORING BUSINESS - Rod Richards shares some great ideas and strategies for business.

13 What’s on for the YOUNG AT HEART? Over 55’s activities on the Sunshine Coast.

Sponsored by IRT Lifestyle Resorts.

14 Are you looking to accumulate wealth for the future? Read how ORD MINNETT can help you.

16 Wouldn’t it be nice if your finances were all sorted? TOPDECK INSURANCE AND FINANCE SOLUTIONS are here to help.

18 Are you ready to RUMBA? Five star luxury resort ready to host your event or weekend away right here on the Sunshine Coast.

Online, www.bmmag.com.au

24 P & O CRUISES list four new cruises from Sydney to Mooloolaba.

Distributed from Beerwah to Noosa.

Readership approximately 34,500.

25 MAYOR MARK JAMIESON talks about

Proudly printed on the Sunshine Coast by The Ink Spot Commercial Printers, Maroochydore | 5443 5431

27 - 44 MATTERS PAGES – These pages are a fantastic way of getting some great information about all different industries,

Scan here to hear Vickie Magic talking about Business Matters Magazine

Advertorial Column Column Advertorial Editorial Feature Story Matters

To view the videos, download a QR scanner with your smartphone (the app we have found to be the best so far is i-nigma. Just go to your applications and search for it, then download the free application).

4 ISSUE 62

networking for your business.

written by someone from within that specific industry. These pages are not self promotional, they are intended for inspiration and education .

33 - 36 FOUR PAGE FINANCIAL YEAR PLANNER. 45 MONEY FEATURE - We ask four local businesses for their top money tips.

46 Find out what’s happening on the Sunshine Coast in our CALENDAR 47 Find out how JOHN ENRIGHT can assist your financial position with his specialist mortgage advice.

48 CCIQ share how Sunshine Coast benefits in balanced Newman Government Budget.

49 SASIR - Is your business working for you?, or are you working for your business?

GET YOUR LOGO AND QR CODE IN BUSINESS MATTERS FOR FREE if you would lke your logo and qr code in BM for free (linking to a video/ website or call to action), simply spend 30 minutes with a BM representative to hear about how we can help you in 2014. Contact us on 5444 4456

24 58

MATTERS PAGES 27 -44 NOT advertorial but EDUCATIONAL INFORMATION from inside specific industries.

27 I.T.MATTERS Pro Computers 28 INSOLVENCY MATTERS Debt Relief Hotline

50-51 What is money? Power at its most liquid!

NUMBERS BUSINESS, by Ted Fitzgerald.

51 People business by KEN WRIGHT - Are you charging what you are worth?

52 Our planet is our business - PHPERFECT want to know are you ready to run your own business?

54-55 Social pictures from BUSINESS MATTERS, issue 61 launch.

57 BUSINESS WAKE UP - What does money really represent to you?

58 How to Overcome Monday Morning Blues by PAUL BARRS.

60 CURE COMPOSITES - Local boat builders Dave Biggar and Ian Mcmahon go from strength to strength.

61 STRING ROCK SENSATION back on the Sunshine Coast.

62 Let’s get personal with personnel specialist Tatiana Porter from HAYCROFT WORKPLACE SOLUTIONS. 63 What should you look for in a professional hairdresser? Find out what multi-award winning hairdresser Amanda Oxley from AMANDA HAIR DESIGN suggests.

29 OUTSOURCING MATTERS Ezy VA 30 REAL ESTATE MATTERS Belle Property 31 SMILE MATTERS Ocean Orthodontics 32 ACCOUNTING MATTERS The Lateral Group 37 TRAINING MATTERS Target Training

65 MAGIC MOMENTS Dranko Magic shares his thoughts on money and life in.

38 LEGAL MATTERS

66 A list of OUR ADVERTISERS.

39 LEADERSHIP MATTERS

52

Devine Legal

Sunshine Coast Grammar School 40 BROKERAGE MATTERS Savvy Business Sales 41 MEDICAL PRACTICE MATTERS NEW Wealthmed 42 HR MATTERS HRM Contracting and Consulting 43 PARTNERSHIP MATTERS NEW Belle Property 44 WATER MATTERS NEW Phperfect

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feature

Top Ten Ways to

Not

Let Money Control You

by Steve Goodman Money may not necessarily be the root of all evil as has often been said, but it can control you. Whatever your income bracket, everyone seems to worry about money. I do not profess to have all the answers of how to solve everyone’s financial woes, but I do know a few ways to control your money, instead of letting it control you. Here are 10 of them.

1. Live within your means.

That may seem like a no-brainer, but it is the biggest mistake most people make in not managing money wisely, and it usually starts with the overuse of credit cards. The key to living within in your means requires a mature understanding of the difference between needs and wants. It also means dismissing the foolish attitude of keeping up with the Joneses. Make a list of what it is you truly need to consider yourself comfortable. Then add to that only the extras that are really important to you, and that you can obtain without going into significant debt. And speaking of debt…

2. Minimise Debt. This is related to living within your means, but it is different. There are good and necessary 6 ISSUE 62

debts, such as mortgages and maybe small business or student loans, but there is also toxic debt, primarily in the form of consumer credit. Look in your wallet – how many credit cards do you have? If it is more than two or three, it’s way too many!

3. Learn to budget. You just knew I was going to bring up that word, didn’t you? But budgeting does not have to be a scary thing, or an impossible task. Start by taking a look at your bank statement. Go back about three months, and separate into categories everything you spend money on, then budget accordingly.

There are several apps and on-line budgeting tools available that can make the process of creating and maintaining a budget easier. Level Money and Mint are two free apps for both Android and iOS that are very popular.

4. Appreciate what you have. Take a look around and count the good things and blessings that you do have in your life, instead of bemoaning things that you feel you do not have enough money to acquire. If you are reading this issue of Business Matters, you probably have a good

job or a relatively successful business, a home, a car or two, and you live on the Sunshine Coast – not too shabby!

5. Use Auto Pay. Many of your regular monthly bills, from utilities to insurance, will likely have an auto pay option, and usually offer a discount to go paperless and elect this option.

You can save a little each month with the discount, plus stop stressing over missed or late payments.

6. Pay yourself. And speaking of payments, don’t forget to pay yourself!

Savings can often be difficult, but one sure-fire way to put a little away for a rainy day is to consider yourself one of your monthly creditors. Set up an auto sweep with a practical amount once a month from your checking accounting to your savings account. You would be surprised at how quickly it adds up.

7. Out with the bad, in with the good. One way to take control of money is to understand the difference between ‘good money’ and ‘bad money.’ Basically, good money is spent on things that appreciate in value, and/or produce income and increased cash flow. Bad money

feature is spent on things that do not produce any income, or things that are subject to constant depreciation or a loss in value.

8. Know your Net Worth. Just like it sounds, your net worth is simply all of your assets, the things you own of value, less your debt, but very few people take the time to actually figure that out. You need to sit down once a year and take stock. Make a list of all of your assets: bank accounts, any real estate properties and their contents, your vehicles, your portfolio of investments, life insurance, annuities, income properties etc. Then do the same for your liabilities: your mortgage, car loans, student loans, lines of credit, credit card debt and anything else.

9. Have disability and life insurance. No-one wants to think about the possibilities of being unable to work due to a disabling injury or illness, or worse, the death of a spouse who may provide the primary income of the family. Having adequate insurance can relieve this monetary worry.

10. Seek professional advice. No, not because money may be driving you crazy, but do not discount the value of seeking the advice of a financial planner or certified tax professional to help you take better control of your money matters.

Think about this. Why did you start your business, or enter your chosen career in the first place? If you said to “make money,” then you really are missing the point. Money certainly is important, but it should not be the most important thing in your life. Balancing the importance of money with the other things in your life – with the other rewards you get from your work or business – is the easiest way to remain its master, instead of letting it have a hold over you.

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feature

The Privacy Act: What does it mean to you as a business owner?

by Peter Gjersoe On Wednesday 12 March 2014 Australian organisations and Commonwealth government agencies were required to be fully compliant with the Australian Privacy Act. If you enter Australian Privacy Act 2014 in Google’s search box, the search results in approximately 382,000,000 hits. However, when speaking with business owners in general, there seems to be very little knowledge, nor an appreciation of how the Act can impact their business.

Following are some questions you may ask: 1. What is it?

“12th March, 2014 saw the biggest change in privacy law in 25 years,” said Australian Information Commissioner, Professor John McMillan.

Background: The Privacy Act 1988 has been regulating the handling of information about 8 ISSUE 62

individuals, including the collection, use, storage and disclosure of personal information. Since the Privacy Act 1988 there has been a massive explosion in the volume of information being collected about individuals through websites, social media and other means. In addition, there has also been unprecedented development in technology capabilities, especially cloud computing involving cross-border transfer of personal information.

The Australian Privacy Act is the Australian Privacy Commissioner’s response to the requirement for the protection of an individual’s information, combined with more transparency and opportunities for consumers to have a say in what their information is being used for.

2. Who is affected?

The Act covers Commonwealth government agencies and Australian based businesses. There is a tendency to focus on businesses which turn over $3,000,000+ annually; however the Act provides

circumstances under which it applies for businesses with less than $3,000,000 turnover annually.

There are additional requirements for businesses providing credit and/or credit reporting. The additional requirements cover transparency, the security of the information and the consumer’s right to access and update the information being kept about them.

3. Are there potential penalties, and what are they?

Yes. There are two areas of impact:

Financial: Failure to comply with the Privacy Act could result in penalties of up to $340,000 for individuals or up to $1.7 million for organisations per breach.

Risk of reputation: Over 60 per cent of Australians surveyed as part of a study conducted by the Privacy Commission (“Community Attitudes to Privacy”) decided not to deal with an organisation because of concerns over how their personal information had been or may be used.

feature

4. Who will be enforcing the penalties?

The Privacy Commissioner now has additional powers to conduct assessments of privacy performance and the ability to enforce undertakings and seek civil penalties in the case of serious breaches.

5. What are the five most important things I need to do now?

1. Review ‘your public face’, your website and ensure the following: Is the organisation displaying its privacy principles in a highly visible manner on its website?

Note: ensure references are made to post 14/03/2014 ‘Australian Privacy Principles’ (APPs), and not pre 14/03/2014 ‘National Privacy Principles’ (NPP’s) and further:

Is it clear:

• what kind of personal information the organisation is collecting?

• how the organisation collects, holds, uses and discloses personal information about users?

• why the organisation is collecting personal information?

• how users can request access to their personal information?

• how users can request corrections to their personal information?

• how users can find out if the organisation is likely to disclose personal information to overseas recipients?

• how users can find out what countries those recipients may be in?

Is the website at any point collecting information by use of a technology called cookies? If so, is there an optin or opt-out possibility for the user?

2. In connection with the update of the organisation’s website, review privacy procedures and policies to ensure they are in accordance with the Act. It is recommended that the organisation does not consider personal information as a single entity, but considers the overall operation and use of personal information throughout.

3. Institute an ongoing internal education and training program covering how the organisation protects its clients’ information in accordance with the Act. 4. Prepare a formal internal manual: ‘Privacy Compliance Policies & Procedures’ meeting the requirement of the Act. It should be noted that this document is likely to be the first item required in case of an audit by the Privacy Commissioner, and will be used as the basis for judging how well the organisation is meeting its own objectives.

Finally, the benefits of a ‘Privacy Compliance Policies & Procedures’ manual should not be underestimated. It makes running an organisation much easier when there is a written system to follow, and a business operation is not relying on individuals who know ‘how things really work.’

5. Appoint a third party to conduct regular physical inspections to ensure processes and procedures are followed, as well as technical penetration tests to ensure the organisation is protected from an external computer attack.

The Australian Privacy Act is the Australian Privacy Commissioner’s response to the requirement for the protection of an individual’s information, combined with more transparency and opportunities for consumers to have a say in what their information is being used for.

About GjeneSys Pty Ltd and Peter Gjersoe; Peter started his corporate career when he joined IBM Australia as a Trainee Sales Rep in the mainframe division (DPD). Over the next 27 years, he held the responsibilities of Sales Manager, Country Manager Australia and New Zealand, and GM AsiaPacific for a number of companies in the IT and Financial Transactions area. Peter has lived and worked in: Brisbane, Papua New Guinea, Sydney, Canberra, Melbourne, and Hong Kong.

Peter became very concerned in the middle of 2013 when it became obvious that the Privacy Act has very few guidelines for businesses and public sector entities to deploy.

This potentially means that resources will be wasted, firstly to understand the requirements of the Act, and then to develop and implement processes and procedures that may or may not meet the Act’s requirements.

There are very close parallels between the Australian Privacy Act and a regulation for financial transactions globally called PCI DSS. PCI DSS (Payment Card Industry Data Security Standard) was created by the major payment card brands (American Express, MasterCard Worldwide, Visa International, JCB International and Discover Financial Services) and first published in 2006.

PCI was developed to encourage and enhance best practices that enable organisations to protect their clients’ information from external and internal violation.

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BUSINESS MATTERS 9

taxinformation

A re T hou O rganised?

TAX PLANNING

By Matt Dryden • Pay super on time! Super paid after the due date (28th of the following month of each quarter) is generally not deductible to the employer.

• For companies look at using franked dividends as part of your business drawings/wages strategy. Distributing franked dividends via family trusts can be an effective way to minimise tax across multiple periods.

• Try and avoid owing the company money for greater than 12 months.

These loans generally result in the company paying tax on a calculated interest charge. You may know these as Div 7A loans which are sometimes used to smooth out tax on distributions over many years.

• Prepare a log book or look at FBT exempt vehicles for your company or Trust owned car that the owner uses. Even though you may not see it, your business is likely paying GST and income tax on what is called employee contributions that is debited to the owner’s account each year. On a $40,000 vehicle that can equate to around $12,000 in tax paid.

• Review your structure. Operating under an ineffective structure can cost you thousands and there is no one ideal structure for all businesses.

• For businesses with a turnover of $2m or less you can obtain an immediate deduction for assets costing less the $1,000 so acquire small assets 10 ISSUE 62

before 30 June. You may recall that this limit was $6,500 however it was repealed (via draft legislation yet to be passed! It’s being held up along with the repeal of the carbon tax) as at January One and reduced back to $1,000 so be careful as the $6,500 immediate write off is still being advertised by some retailers as an incentive to buy before 30 June.

• Take out personal insurances in the right entity. It makes most sense to take out income protection insurance in your own name or in the company/ trust you operate your business so you benefit from the tax deductible premiums. However, life insurance is best paid by your super fund as the premiums are not deductible if paid outside of the fund. Trauma insurance is best not paid by your super fund as you may have difficulty accessing the payouts.

Tax planning call to action before 30 June: • Write off bad debts.

• Write off obsolete stock.

• Distribute from your trusts to family members. Parents and children over 18 with little of no other income and not on the government support such as the pension are ideal.

• Salary sacrifice super contributions to bring your total contributions up to $25,000.

• Take out income protection insurance and pay for 12 months before 30 June.

• If you earn less than 48,516 contribute $1,000 into your super and the government will tip in up to $500.

There are other requirements.

The advice above is general in nature and you should seek advice from your accountant to see if they apply to you.

Matt Dryden is a Chartered Accountant with over 15 years’ experience and is the principal at Dryden Associates. He started out at PricewaterhouseCoopers in Brisbane, cutting his teeth providing tax advice to listed groups such as Fosters, Boral, Billabong and Alcan.

Matt has extensive experience in the commercial world, working for APN News and Media and Shell UK, as well as operating a large manufacturing business employing over 50 staff. This experience gives Matt a deep-rooted knowledge and a balanced approach to meeting his clients’ needs.

Matt has a young family, is a keen fisherman, and can often be seen at local corporate golf days.

By joining the team at Dryden Associates you will get more than a ‘once-a-year’ accountant. They believe they must earn the right to be your trusted advisors by spending time getting to know your business.

You will love their innovative, holistic approach to managing your needs. www.drydenassociates.com.au

businessmentoring

BUSINESS MENTORING with Rod Richards

food, vehicles, travel, mortgage, fuel, entertainment, hobbies etc. When you quit your job to focus on your business, the new business will be responsible for generating income to maintain your lifestyle. Write a list of your monthly personal expenses – it may be more than you imagine.

Establishment Budget

SHOW ME THE MONEY In keeping with the current topic of budgets, it’s timely to discuss the importance of using budgets to benefit you and your business at start-up and when established. There are three basic budget lists to assist financial planning, showing where money is required or being gobbled up.

Personal Budget How much does it cost for you and your family to be on this planet? Make a list now of where the money goes:

List all the expenses required to get this business off the ground. List all the purchases and one-off costs, business registration, company setup, equipment, leases, insurances, website, marketing materials, working capital etc. Will you need to borrow or use your savings, and when will this investment be returned? When expanding business or introducing a new product line, a budget can identify real costs and validate viability.

Operational Budget List all monthly expenses required to operate. Include rents, vehicles, fuel, phone, internet, insurance, wages, advertising, loans etc. Remember, these fixed costs will accumulate regardless

Learn Learn howhow to sell to your sell your

business business or property or property

without without paying paying

of having no customers or taking the weekend off. Reviewing budgets can identify potential for savings.

Budgets equip entrepreneurs and operators to see where the expenses are. Coupled with break-even analysis, budgets enable financial planning for sales targets, cash burn and growth investment. One more thing – you don’t need to start or operate a business to go broke. Better to do the financial calculations on paper first, know your budget expenses, know your breakeven point and understand the viability of your current business model.

Rod has 27 years company owner, director and entrepreneurial experience.

Business Mentor and educator for 10 years.

Founding Director Business Enterprise Centre Sunshine Coast and Queensland Director of BEC Australia (non-profit Network) Free resources; www.Business EntrepriseCentreSunshineCoast.org.au

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ADVERTORIAL

IRT Queensland

Construction activity continues

IRT’s In-Home Care operations are continuing to grow every week on the Sunshine Coast.

If you have visited Buderim lately chances are you have seen construction work at our lifestyle community IRT The Palms on Power Road.

To cope with demand, the organisation has now employed a full-time In-Home Care Manager, Melissa Naylor.

IRT is in the process of constructing new seniors’ lifestyle villas as part of a multi-million dollar expansion.

Local building firm Gauld Project Services has carried out work on 47 villas during the first four stages of construction and work on the newest 10 homes in Stage 5 is now underway.

IRT Group is one of Australia’s largest community based seniors lifestyle and care providers. We have been providing seniors lifestyle and care solutions for over 40 years.

The multi-award winning IRT Group manages communities in more than 30 locations across NSW, ACT and QLD, providing care solutions to over 9000 customers.

IRT residents chip in for The Biggest Morning Tea IRT residents on the Sunshine Coast have taken it upon themselves to raise some much needed funds for Cancer Council Queensland.

More than 80 residents from IRT The Palms at Buderim attended a Biggest Morning Tea event and helped to raise around $1000.

The event was organised by IRT to help Cancer Council raise money for cancer research, prevention and support services as many of the residents at IRT The Palms in Buderim know of somebody close to them who has been affected by cancer in some way.

Stages five to nine comprise 47 villas and the full expansion is expected to be completed by early 2015.

When all the work is finished, IRT The Palms will provide 187 seniors’ lifestyle homes in the Buderim area.

Existing residents are happy to see works progressing on the completion of the remaining land, and can’t wait to meet their new neighbours. To find out more call 07 5456 1300 or log onto irt.org.au.

A new manager for IRT In-Home Care services

In-Home Care Manager, Melissa Naylor

On the Sunshine Coast there are 982 deaths related to cancer each year and 3040 new cancers detected every year.

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If you would like to meet with Melissa to discuss IRT In-Home Care, call Melissa on 07 5406 0153.

Another seniors community around the corner for Sunshine Coast As part of a $75 million investment which began in 2012, IRT Group now owns two Communities on the Sunshine Coast – IRT Parklands at Currimundi, and IRT The Palms at Buderim – and one in north-east Brisbane, IRT The Ridge at Bracken Ridge.

A greenfield site at Kawana Forest will be known as IRT Woodlands and will provide a 60-bed care centre and 107 lifestyle villas. Construction is due to start mid-2014.

The Group now has almost 600 clients in Queensland and this is projected to increase by 500 in the next 12 to 18 months.

To find out more about the Sunshine Coast expansion, log on to our website at www.irt.org.au

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experience the possibilities

construction and work on the newest 10 homes in Stage 5 is now underway.

Melissa to discuss IRT In-Home Care, call Melissa on 07 5406 0153.

Stages five to nine comprise 47 villas and the full expansion is expected to be completed by early 2015.

Another seniors community around the corner for Sunshine Coast

residents chip What’sIRT on in for The for Biggestthe Tea YoungMorning at Heart

When all the work is finished, IRT The Palms will provide 187 seniors’ lifestyle homes in the Buderim area.

IRT Group is

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Cancer raise money for cancer communities in research, prevention and support • Golf • Fishing • Ten Pin Bowling more than 30 services as many of the residents at IRT The Palms in Buderim know of locations across • Swimming • Shopping • Salsa dancing somebody close to them who has NSW, ACT and QLD, • Biking • Yoga • Zumba been affected by cancer in some way. providing care In-Home On the Sunshine Coast there are 982 solutions to over • Hiking • Pool • Sailing Care Manager, deaths related to cancer each year and 9000 customers.

Melissa Naylor • Running • Surfing • Rock Climbing • Scrapbooking

3040 new cancers detected every year.

• Paintballing

• Knitting

• Pilates

• Painting

• Cards

Bracken Ridge • Sewing

Currimundi • Tennis

Buderim • Snooker

131 Quinlan Street Bracken• Ridge QLDbowling 4017 Lawn Sales: Susie Webster Call: 07• Boating 3869 4536

242 Parklands Boulevard Currimundi QLD 4551 • Badminton Sales: Kathee Nugent Swimfit Call: • 07 5438 2588

22 Power Road Buderim QLD 4556 • Chess Sales: Tina Menz-Bugler & Beryl • Cars Harris Call: 07 5456 1300

IRT The Ridge • Table tennis

IRT Parklands • Squash

what’son

As part of a $75 million investment which began in 2012, IRT Group now owns two Communities on the Sunshine Coast – IRT Parklands at Currimundi, and IRT The Palms at Buderim – and one in north-east Brisbane, IRT The Ridge at Bracken Ridge.

A greenfield site at Kawana Forest will be known as IRT Woodlands and will provide a 60-bed care centre and 107 lifestyle villas. Construction is due to start mid-2014.

We would to give The Group nowlove has almost 600your group a shout out to the over 55’s of isthe Sunshine Coast. If clients in Queensland and this projected increase by these 500 in the you aretoin one of groups or something next 12 to 18 months.call Jasmine on 5444 4456 similar, please Toor find out more about the Sunshine email admin@bmmag.com.au to have Coast log on to our yourexpansion, group featured in our magazine. website at www.irt.org.au

This column is proudly sponsored

by IRT Lifestyle and Care

IRT The Palms • Shooting

experience the possibilities®

Ord Minnett Buderim - Sunshine Coast

Does your financial adviser access term deposits at 15 different banks with one simple form?

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Fixed Interest Investment Options You’ll find there’s a lot of things that Ord Minnett Buderim does that your ordinary finanical adviser doesn’t. All you need do is fill out one simple form - once - and then let us take the Business Unitstress Logosout of managing your investment portfolio and do all the running around for you. To find out more visit www.ordsbuderim.com.au

07 5430 4444 wedo@ords.com.au

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BUSINESS MATTERS 13

localsuccess

money making With this issue being about money, we thought local business Ord Minnett at Buderim was a pretty good place to start. So BM caught up with one of the owners, Mark Davidson. Ord Minnett is one of the nation’s most respected financial institutions, with a proud Australian heritage of over 150 years. It is 30 per cent owned

by JPMorgan, a global financial services firm with operations in more than 50 countries, and 70 per cent owned by IOOF Holdings Limited, a leading Australian fully integrated financial services company.

them from most competitors. Their

After completing a Bachelor of

services include portfolio management,

Commerce degree and further

strategic financial planning,

education, including a Graduate Diploma

superannuation and retirement planning,

of Financial Planning and qualifying

stockbroking and fixed interest solutions.

as a CPA, Mark ended up working in

Who uses the services of Ord Minnett?

Sydney for some of the large investment banks such as Deutsche and Merrill Lynch, gaining invaluable experience that most advisers could only dream of.

While there is no typical client, the

When his children were aged three to

majority of their client base is made

eight, Mark and his family decided to

up of successful business owners

move to the Sunshine Coast to enjoy

and individuals seeking to accumulate

a better lifestyle and to have a better

wealth and plan for their retirement,

environment to raise their children,

professionals who are time poor

The Buderim office of Ord Minnett was established in 1992 and is locally owned by four partners – Mark Davidson, Anthony Ward, Chris Harris, and Justin Scattini. Mark said, “This gives us the advantage of being able to cater to the very individual needs of Sunshine Coast residents, while still being backed by some of the world’s largest, most reputable financial institutions.”

who are now 17 to 22. They have

and are in need of advice, and

experienced the most wonderful balance

retirees who are looking for personal

between excellence in education, active

and professional advice to allow

lifestyle and owning and growing a

them to enjoy their retirement.

professional, successful business.

The main aim is to provide peace of

Ord’s are renowned as the direct investment specialists, differentiating

and the typical background of most

Mark says, “Moving to the Sunshine Coast has been one of the best decisions we ever made.”

14 ISSUE 62

mind through prudent management of their clients’ affairs, structure, investments and lifestyle.

We asked Mark about his background of the advisers in the Buderim office.

localsuccess

All seven advisers have extensive experience in all areas of financial advice, specialising in portfolio management, stocks and shares, fixed interest securities, Centrelink and nursing homes, insurance options and financial strategy and structures.

Ord Minnett’s make a point of matching the skills of the adviser to the needs of the client and work as a team with two advisers allocated to manage each client situation, giving the client access to a blend of skills as well as a combination of ideas.

We asked Mark to give our readers some money saving and money making tips.

Saving money is easy: You just have to spend less than you earn. Thus there are two main ways to save. You can either earn more (not a controllable option for most people) or spend less.

The best way to spend less is to have money taken from your account so you don’t see it and get tempted to spend it. If you are saving for a specific purpose like a house deposit, car or holiday, you could separate this into a general savings account. If the purpose of the saving is more long term, for example retirement savings, this could be invested in superannuation or a share investment account.

Many people ignore superannuation, but when contributions are taxed at only 15 per cent compared to possibly

much higher rates outside of super, there is a real incentive to accumulate retirement assets via super.

To make money: You have to invest in assets that increase in value. While there are some alternative investments that do this such as hedge funds or commodities, the two main asset classes in which people invest to make money are shares and property.

Both have provided similar returns over the longer term and many people have preferences for investing in one or the other. Mark says he personally invests in both. One of the advantages of investing in shares is that you can start with a small amount and add to it by making regular contributions by direct debit. In addition, transaction costs are very low compared to property and they are very liquid. They can be sold instantly and the money can be in your bank account in three days.

The best tip Mark can give you for making money in the sharemarket is to invest in quality companies

and not chase speculative booms.

Reinvest your dividends and don’t get tempted into selling by sensationalist newspaper headlines.

Ord Minnett has many clients, ranging from those just starting out to those with portfolios worth millions of dollars.

One story Mark shared, which was a very encouraging story for those just starting out, was about his daughter who is 22. She was working part-time at Jupiters Casino in Brisbane throughout university and now has a full-time job.

She has accumulated almost $60,000 in investments due to a regular savings plan and a father who doesn’t stop nagging her to save. She is well on the way to her first house deposit.

Another example of someone who has benefitted from Ord MInnett’s advice is a couple who sold their business and received approximately $1 million, which Ord Minnett managed to get into superannuation tax free. Some years later, this is now valued at $1.5 million and the couple receive over $100,000 per annum tax free from their portfolio.

So if you are looking for someone local to help you accumulate wealth for your future, Mark and his team at Ord Minnett Buderim could be the perfect solution. www.ordsbuderim.com.au

BUSINESS MATTERS 15

localtalent

Is it time to get your finances sorted?

Business Matters Magazine talks to Sue Smith, owner and founder of Topdeck Insurance and Financial Solutions. The business is now based at Mooloolaba in larger premises to accommodate their growth.

by Vickie Magic Business Matters Magazine talks to Sue Smith, owner and founder of Topdeck Insurance and Financial Solutions. The business is now based at Mooloolaba in larger premises to accommodate their growth.

More than eight years ago Sue started Topdeck as a single parent, with a credit card and no clients, she needed flexibility. Sue had always been passionate about insurance and initially specialised only in risk insurance, however Sue’s drive and a passion for people helped her quickly gain momentum and now Topdeck has developed into a very unique full financial planning business.

Sue has a friendly warm spirit and kind nature and lives on a farm in the Hinterland with her new husband; she is very much a family person who loves

16 ISSUE 62

to cook and most of all spending time enjoying great food and great wine with great friends! In her spare time Sue and her daughter breed warm blood horses.

At Topdeck Financial Solutions, they believe in really getting to know and understand their clients in detail, spending the time finding out their dreams and their aspirations.

This devotion to their clients is a massive point of difference for the company as no one strategy suits everybody. “As a team we are there with our clients the whole way. We

become part of the solution! It is this personal service that really makes our clients stay with us,” says Sue. The well rounded team boasts financial experts, accountants, superannuation specialists, and newly appointed risk insurance specialist, Anthea O’SullivanKovacevic previously from AOK Risk Solutions. This means that the client has access to everything they need.

Topdeck are also successfully accredited with AMP. This means that the client can feel comfortable with the peace of mind that they are being backed and monitored by this larger company.

Topdeck have recently introduced a new fee structure, which is extremely unique and quite innovative. They call it ‘The Core & Support Model’; the client simply decides on the package that best suits their individual needs and budget. With a system in place to suit everyone Sue

localtalent

and her team of professionals are there to help and offer support, for as little or as much as the client wants or needs!

There is excitement at Topdeck Financial Solutions with the release of a new budget analysis tool, which is very different to any other budget tool you have ever seen. ‘MY MONEY MATE’ is your money friend; it helps you to

do a comprehensive analysis of where your money is going and to help you to identify a range of opportunities to save money. Sue explains “You may have done a budget before, however this tool reassigns all the details and information into a pie chart, and in a nutshell, it gives a full analysis of budget versus actual spending to help you achieve your goals much sooner than you imaged possible.”

If you would like to take control of your finances and find out how to save money and make better money making decisions then phone Sue and the Topdeck team today. sue@topdeckfinancialsolutons.com.au

Topdeck Financial Solutions welcomes Anthea O’Sullivan-Kovacevic from AOK Risk Solutions as their risk insurance specialist.

We asked Anthea to share her top money saving tip when it comes to insurance. “A great insurance strategy secures all of your current assets and future plans, for both you and your family.”

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localfunctions

Rumba Let’s

by Vickie Magic

In the heart of the Sunshine Coast, nestled within Caloundra’s only five star resort, Rumba Beach Resort, is the hidden gem Rumba Room – a boutique conference, wedding and event space catering for 10 – 150 guests.

Earlier this year I put on a ladies success weekend retreat there. I do these weekends a few times a year. This one was particularly special and I need to say thank-you firstly to the Rumba Resort for the beautiful five star rooms overlooking the water at Caloundra – we didn’t have to travel far to arrive at this beautiful place. We were all thrilled at the calibre of the hotel rooms to begin with, and then equally thrilled with the conference facility. Everything was set out just exactly the way we wanted.

Working out the catering for the weekend wasn’t simple because we had all sorts of diets to cater for – vegetarian, gluten-free, dairy-free, no sugar etc – but I have to say there wasn’t one person who didn’t rave about the quality of the food. Darryn Fitzpatrick and Kristy Rowe, who are the hands-on management of the Rumba Room, just

18 ISSUE 62

kept on surprising us with their service and food. There was no evidence of the often cookie cutter approach sometimes experienced in other venues. Every break the ladies got pretty excited to see what other gorgeous mouthwatering treat was going to come out of the kitchen. Kristy and Darryn have only taken over the management in the last two years, but the Rumba Room certainly is the venue to watch.

was too much trouble. If we changed times for any of our breaks, or asked for anything that was out of the ordinary, there was never a problem. These guys truly understand service with a smile and customer service was just second nature. This really made things easy for me putting on a conference.

Rumba Room specialises in Gluten-Free, Dairy-Free and Low-Sugar Catering, as well as offering Paleo themed menus.

We made great use of the state of the art built-in AV Equipment, such as the data projector and screen and BOSE stereo system with iPod compatibility, which were all complimentary.

But I guess the thing that stood out the most to me and our conference group was the absolute attention to detail, and the fact that absolutely nothing

The beautiful poolside bar is perfect for after conference or weekend drinks.

localfunctions

Rumba Room is currently running two Winter specials. Full day conference package including twin share accommodation in a two Bedroom Resort Spa Suite from $199 per person and wedding packages with theming from $70 per person.

Rumba Room conferences & events www.rumbaroomevents.com.au Phone 5491 6001

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jazreno@live.com.au BUSINESS MATTERS 19

Think you can’t create wealth from equity? Think Again! meet CHris CHilds In this Wealthy’n’Wise edition, property investment expert Chris Childs gives you her professional tips on goal mapping, financial platforms and money management.

Chris specialises in teaching: • Fast Debt Reduction – Reduce your debt, not your lifestyle • Goal Mapping – how to get focus on what you want • Why Property – Learn the strategies, structures and solutions of investing • How to get 10 properties in 10 years and how to manage the holding costs.

Give us a call anD book a seat to ouR next WealtHy n’ Wise event

If you have a mortgage, and the value of your home is higher than your home loan, you have equity. With equity comes options, you can use equity to create wealth. Ever heard the saying the rich get richer? This is the way they do it. They take their equity and using other people’s money, usually the banks profits, they borrow more to buy more and this produces more equity. They are on the ever-increasing wheel of wealth.

Unfortunately, most people are on the other wheel, the ever-increasing wheel of debt. If you have a mortgage and some personal or ‘consumer’ debts like credit cards, personal loans or car loans it is amazing how quickly you can become overwhelmed with payments. It seems like all of your income is committed to repayments and basic living expenses like groceries, leaving little or no money to pay for other essentials like insurances, regos, school expenses and electricity. It seems you need to either go without luxuries like holidays, Christmas and upgrading furniture or worse still they need to go on ‘interest free’ or credit cards which add to the burden and the whole cycle starts again!

Refinancing can be your best friend or your worst enemy. Your best friend, if after refinancing you change the way you do your banking and begin to create wealth, or your worst enemy if you use equity to get out of consumer debt and then repeat the process of consumer debt.

Money just doesn’t have to be that stressful. It is amazing when you actually look at how to do your banking properly and more importantly how to manage your income or cash flow, just how quickly you can regain your control.

Are you ready to get off the wheel of debt and look at how to do your banking the right way? This could be just the beginning…

Look forward to seeing you soon Chris Childs

Visit thinkmoney.com.au or call us on 07 5430 4777

20 ISSUE 62

THINK MONEY $ THINK PROPERTY $ THINK WEALTH

THE sEvEN THINgs AbOuT MONEY I WIsH I HAd LEARNT AT scHOOL... ...that would have made me a millionaire by 25.



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 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!



tHe MoRe oRGaniseD you aRe tHe MoRe Money you Have 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.

z

tHe PoWeR oF sePaRatinG 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.

Find out more at one of our FRee Wealthy n’ Wise events

BUSINESS MATTERS 21

goal mapping goal mapping - one daY WorKsHop overvieW “The discipline of writing something down is the first step to making it happen.”

lee lacocca

meet lYnn levitt Prior to becoming the education and training manager for Think Money, Lynn herself was one of our clients. Within a few short months Lynn was reaching her goals of securing her financial future by implementing the strategies that she was coached by Chris Childs and Yaseen Hull (Debt reduction specialist).

The process of being able to work out what you want and when you want is not something that comes easily to most people. Through a series of techniques and mostly easy to understand information that is science-based, Lynn couples this with a fun process of writing and drawing your thoughts and ideas to assist you in reaching your desired goals.

For Think Money clients the Goal Mapping assists them in achieving the strategy that Chris or Yaseen puts in to place for them.

The interesting thing is it is never about the money or the property they are just the tools we use to get what we want, which is often things like freedom, a new business, financial security.

Lynn has successfully delivered Goal Mapping to over 1000 people with amazing results. The secret is to take action and follow the steps. What is the point of learning something new and not implementing it? That’s just not something that works with Lynn, she makes you follow through and produce the evidence that you have done so.

FUll daY WorKsHop

As a Think Money client you will receive exclusive access to Brian Mayne’s internationally recognised Goal Mapping Program. this includes: • a full 1 Day Goal Mapping Workshop where you will learn the technique, set new goals and begin the journey towards achieving them. At this workshop you will receive a Goal Mapping Workbook with a CD and your own copy of Brian Mayne’s Goal Mapping book.

• access to our regular Goal Mapping forums at Think Money House to keep you on track to achieve your goals.

• a one-on-one meeting with Lynn to set action plans in place to achieve your wealth.

Check out our next goal mapping dates or book your seat online at thinkmoney.com.au or call Lynn on 07 5430 4777

22 ISSUE 62

aCCess to ongoing events

one on one

June/JuLY june/july evenTs events

CaLL 07 5430 4777 To book

saturday 21 June

Goal Mapping For Wealth Full Day Workshop 9:30am – 3:30pm Mantra Mooloolaba

Tuesday 24 June

MaJor EvENT

Wealthy ‘n’ Wise education event 6pm – 8pm Maroochydore rsL & events Centre, Memorial avenue, Maroochydore

Tuesday 01 July

Property Wealth Workshop | Property showcase 6:45pm for a 7pm start Think Money 55 sugar road Maroochydore

Wednesday 16 July

budget bootcamp (Clients only) 6:45pm for a 7pm start Think Money - 55 sugar road Maroochydore

Tuesday 22 July

Think investment realty Property showcase | state of The nation 6:45pm for a 7pm start 55 sugar rd Maroochydore

saturday 26 July

Goal Mapping For Wealth FuLL DaY Workshop 9:30am - 3:30pm Mantra Mooloolaba The esplanade, Mooloolaba

Tuesday 08 July specialist Workshop

6:45pm for a 7pm start Think Money 55 sugar road Maroochydore

Tuesday 15 July

Goal setting for Wealth education Workshop 6:45pm for a 7pm start Think Money House - 55 sugar road Maroochydore

Tuesday 29 July

MaJor EvENT

Think Wealth 4 Women education event 6pm - 8pm Maroochydore rsL & events Centre Memorial avenue Maroochydore

FinD ouT More on our WebsiTe or CaLL us on 07 5430 4777 | WWW.THINKMONEY.cOM.Au BUSINESS MATTERS 23

localbusiness

Our Ships Are Coming In P&O Cruises has listed four more new cruises from Sydney to Mooloolaba, in addition to the announced cruise in August.

The new cruise dates, which are already taking bookings, occur in July, August and October of 2015 and March 2016, sailing on the 11-deck Pacific Pearl.

Mayor Mark Jamieson said even before the first cruise had arrived from Sydney, P&O Cruises and its parent company Carnival Cruises were showing confidence in the short- cruise market to the Sunshine Coast.

“This is really wonderful news,” Mayor Jamieson said.

“When we first heard P&O was considering a trial cruise to Mooloolaba we were naturally excited and honoured – but this news is truly fantastic, and it shows great confidence in the Sunshine Coast as a viable destination, even before the first ship has sailed.”

Mayor Jamieson said festivities surrounding the inaugural cruise arriving on 16 August were building up.

“We are planning an outrigger boat race – the Carnival Classic – which will see competitors race from Mooloolaba out to the anchored ship, around it and back to shore,” he said. “In addition, a big market with music and other entertainment will operate from the Wharf. A lot of local businesses are making special arrangements to give the 1800 Pacific Pearl passengers a wide range of options to enjoy our attractions. Our future as a potential regular cruise destination is now a real consideration and a major boost to our economy.” www.pocruises.com.au

It shows great confidence in the Sunshine Coast as a viable destination, even before the first ship has sailed.

Instead of your golf day sponsorship this year, why not take the team on a local conservation volunteer team building day. Ask us for pricing details.

Who are we?

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Each year over 12,500 volunteers work in teams to: Plant more than 1 million trees • Collect over 1,000 tons of native seed • Build and restore walking tracks and boardwalks • Install conservation fencing • Complete 500 wildlife surveys • Deliver in the order of a million hours of conservation volunteering

Ask about our corporate membership

Conservation Volunteers is a national, not-for-profit organisation with 21 offices throughout Australia.

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Support your local conservation volunteers. Just $50 a month to have your logo here!

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Keeping Employment Simple

www.conservationvolunteers.com.au 24 ISSUE 62

M A G A Z I N E

mayoralbusiness

MAYORAL BUSINESS which is aligned to and reflects the new single State planning policy.

with

Mark Jamieson

The region’s first truly collaborative economic development strategy was delivered in September last year, led

by Sunshine Coast Council, working with business and industry groups, the education sector and the community.

Since then our jobs figures have improved dramatically and confidence continues to grow.

It’s my belief a similar conclusion will be able to be drawn next year about the new and recently launched Sunshine Coast Planning Scheme.

The new scheme will provide the right conditions for businesses to prosper; it will make it easier – and cheaper – to set up a new business; it will prove much simpler to navigate, use and understand; and it will significantly improve the efficiency of the planning process as we move from two planning schemes and multiple state planning policies to a single planning instrument

The Sunshine Coast is a rapidly growing region – one of the fastest in the nation – and it is essential we have a coherent vision and an easyto-understand set of planning rules to ensure that this growth is managed in an orderly and coordinated way.

We all love our region and our lifestyle; those who were born here are naturally proud and protective of it, and it is these same values which attract so many thousands of people to move here. So it is incumbent upon this council to ensure we protect and enshrine these values within the primary planning document which guides our future – and it ensures we get the balance right between the imperatives of economy, ecology and community.

It delivers one plan for the region for the first time, giving the property industry, investors and residents one clear set of rules for development.

It has been aligned to the goals of the Regional Economic Development Strategy, which I mentioned earlier, to encourage the right businesses to operate in the right locations across the Coast.

An enterprise corridor between the Sunshine Coast Airport and

Caloundra has been identified as a key focus for growth, infrastructure investment and economic activity.

The assessment level requirements for a range of business and industry activities have been reviewed and lowered where practicable to make it simpler and cheaper to set up a new business.

For example: a home-based business (like a bed-and-breakfast, home office or a home-based childcare business), or a low impact industry, may be able to set up – in the right zones – without a development application at all.

Now that will save a lot of time and money for a lot of people who are trying to get a new small or micro-business up and running I would like to thank the many individuals, community groups and representative bodies who participated in consultation events and provided submissions to the draft planning scheme. This project has included one of the largest consultation programs in the region’s history.

Sunshine Coast Mayor Mark Jamieson keeps BM readers up to date on what’s happening on the Coast.

As a business owner, you’ve got a lot of issues stealing your time!

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Haycroft Workplace Solutions has been essential in administering our payroll service right from the beginning. All I have to do is submit the total hours each week and the rest is done. Haycroft keeps us totally up to date with all the ever changing rules and regulations of Industrial Relations. I’m confident to say Haycroft has not only improved our bottom line as promised, but much more. Thanks guys!

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BUSINESS MATTERS 25

your local home loan experts CASE STUDY

Keola Westcott Goal: To be financially free by age 40 Strategy: - invest in appreciating assets - minimise bad debt - have fun along the way Properties: 3 Keola is well on her way to achieving her goal. Her Broker, Kaia Hunter helped Keola access equity in her current property so that she could

purchase a further property with no need to further contribute any cash.

They also structured her loans so that she’s ready to grow her portfolio by adding further properties.

Keola says “The Mortgage Choice team have been such a great support and have set me on the path to achieving my goals. I can’t wait to buy the next property!

Mortgage Choice Workshops

Property Business - For Women Workshops

Tuesday 10 June:

Saturday 19 July Friday 6 June

Building Wealth Through Property; and Debt Reduction presented by our Financial Planner, Liam Harrison

Time:

Tuesday 8 July: Buying property in your Self Managed Super Fund Tuesday 12 August: Adolescents & Young Adults: Invest in Your Future with Property Time:

5.30pm - 7.00pm

Venue: Mortgage Choice Level 1, Ballinger Place, Ballinger Rd Buderim

9.30am - 12.30pm 12pm - 1.30pm

Cost: The $60 (including lunch) Venue: Lounge Bar & Dining 19 First Avenue, Mooloolaba Contact us for more detail Cost: Free RSVP:Speaker: Kaia Hunter 891 931 Guest BMT0414 Quantity Surveyors kaia.hunter@mortgagechoice.com.au Saturday 19 July Friday 8 August Time: 9.30am - 12.30pm Time: 12pm - 1.30pm Cost: $60 (including lunch) Venue: The Lounge Bar & Dining Contact19 usFirst for more detail Avenue, Mooloolaba Cost: Free RSVP: Kaia Hunter 0414 891 931 Guest Speaker: Property Valuer kaia.hunter@mortgagechoice.com.au

RSVP: Kaia Hunter 0414 891 931 kaia.hunter@mortgagechoice.com.au

(07) 5476 9333

linda.ireland@mortgagechoice.com.au

MortgageChoice.com.au/linda.ireland

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matters

i.t. matters RUDI DU PREEZ | PRO COMPUTERS

IS HIRING A PROFESSIONAL REALLY WORTH IT? We have all probably tried to take on a job to save a few dollars when we know we should have hired a professional, and it’s ended up costing more than it should have. You wouldn’t cut corners on a vital part of something you need doing but have no idea about, such as a service on your car. So why would you cut corners on your I.T. needs, which probably hold most of your business’s data and processing?

How much of a standstill would your business be at if your computers were out of action for a few days?

Why it pays to hire a professional: • It allows you to focus on your business • It saves time and gains productivity • It can actually reduce costs • You can have a system tailored to your business’s needs

“If you think it’s expensive to hire a professional to do the job, wait until you hire an amateur.”

Here’s an important I.T. check list that could save you time and money in the case of a mishap: • Back up • Security • Data protection

Computer Problems?

We have the Solutions!

PRO

EST. OVER 20 YEARS

COMPUTERS

o t d e v o M s e s i m e r P New

ADVANCING TECHNOLOGY

MAROOCHYDORE Ph: 5443 1700 info@procomputers.com.au

504/5 Emporio Place, Maroochydore Qld 4558

NAMBOUR Ph: 5441 1522

nambour@procomputers.com.au

8/3 Rigby Street, Nambour Qld 4560

• Battery back up • Surge/power filtration When hiring a professional, it’s recommended that you research the service or product you’re after to find the best company to use, and then research background information on the company. Are they qualified? How long have they been around? What kind of reputation do they have? Do they know their stuff? Do they have attention to detail? Are they focused on helping you?

Last of all, if something is going to cost a little extra but is guaranteed to be done correctly, it’s better to pay a professional than attempt to do the job yourself, or use the cheapest in town. Remember, most of the time ‘good stuff ain’t cheap and cheap stuff ain’t good.’

ABOUT THE AUTHOR Rudi du Preez and the team at the three Pro Computer stores are proud to have provided service and support in Queensland for more than 20 years. Their service, attention to detail and product knowledge make them the preferred choice for many business clients throughout Queensland’s Sunshine Coast and Central Queensland regions.

BUSINESS • Server/Workstations • Network Management • Preventative Maintenance • Service Agreements • Disaster Recovery • Qualified Technicians • Remote Support • Managed Services • Cloud Services

Mon-Fri 8am to 5pm Sat 8am - 1pm www.procomputers.com.au BUSINESS MATTERS 27

matters

insolvency matters RILEY JACKSON | DEBT RELIEF HOTLINE

FIVE REASONS TO AVOID BANKRUPTCY

Looking for debt relief?

Bankruptcy can affect every aspect of your life.

When people get into debt, their minds immediately jump to bankruptcy. Declaring bankruptcy is commonly viewed as the easy way out of debt, but there is nothing easy about bankruptcy.

This complicated process is stressful, lengthy and involves several rules, restrictions and obligations you have to live by.

Bankruptcy does have its place in Australia. For those with no other choice, bankruptcy can provide a solid foundation from which to rebuild their wealth. For everyone else, bankruptcy is something you should avoid.

If you are convinced bankruptcy is the right path for your debt recovery journey, consider the following points outlining why you should avoid it.

1. It could affect your employment

Debt Relief Hotline offers a range of positive solutions to your debt.

Whether you are only just starting to feel the pinch or if your debts are spinning out of control, we have a solution for you.

The last thing you need when you can’t pay your debts is to lose your job. There are certain occupations within Australia which won’t allow you to continue to work if you declare bankruptcy.

Before you declare bankruptcy, you should confirm with your organisation as to whether bankruptcy will affect your professional membership, or your ability to practise a particular trade.

2. You could lose your home When you become bankrupt, the bankruptcy trustee in charge of your case becomes the owner of any share you have in a property, whether you are a part owner or the whole owner.

Most likely, the trustee will arrange to sell the property, with all proceeds going to your creditors to repay some of your debts.

3. It is a long lasting commitment

Debt Relief Hotline can help with:

The period of bankruptcy generally only lasts for three years, but it will remain on your credit rating for seven years and your name will be on the National Personal Insolvency Index for life.

Budgeting Debt Refinancing

4. Your life is restricted

Debt Agreements Bankruptcy

During the term of bankruptcy, you will have to adhere to restrictions applied to activities with a high expense. You cannot travel overseas without restrictions.

You should avoid bankruptcy if you don’t want these restrictions in your life.

5. Your capacity to earn is limited Bankruptcy places many thresholds on your assets, income and windfall gains. If you earn more than the threshold and if your assets are worth more than the set threshold, the extra money will be given to your creditors.

What are my options to avoid bankruptcy?

Thankfully there are a number of other debt relief options available to people in debt, so you can avoid bankruptcy. If you think you may need some debt relief, talk to Debt Relief Hotline for a free confidential chat.

Remember, the best advice is to act quickly while you still have options available.

ABOUT THE AUTHOR Riley Jackson has over 20 years in experience in assisting and developing strategies for individuals and small businesses on ways to improve their financial circumstances. Based locally but with Affiliates located across Australia, we are able to assist clients all over the nation.

28 ISSUE 62

Contact Us Now For Your Free Consultation

1300 658 117 Debt Relief Hotline is an authorised online representative of Insolvency Administration Services Pty Ltd (RDAA 1337). Insolvency Administration Services Pty Ltd is a Corporate Credit Representative of Positive Solutions Finance Pty Ltd (ACL 41872).

www.debtreliefhotline.com.au

matters

outsourcing matters MONTY G. HOOKE | EZY VA

DOES OUTSOURCING OFFSHORE ACTUALLY SAVE YOU MONEY? A lot of business owners who have tried outsourcing offshore will tell you that it’s just not worth it. While you can get a huge range of services at a fraction of the price, a lot of the time it can be more trouble than it’s worth.

This was certainly my experience when I first started – it would take me 10 hours of my own time to co-ordinate a 10 hour task, and I would end up pulling my hair out.

But while some struggle, why is it that others, like me now, are able to very effectively run teams offshore with similar efficiency and productivity to using a local team, while saving quite a lot of money? Here are my top tips: 1. Don’t try and do it yourself.

If you’ve never had experience dealing with staff offshore, don’t expect for a minute it should be the same as dealing with people locally. Dealing direct with the staff without managers in place will only get you burned. Work with a company that has their own team, staff managers and project managers in place (if they have managers locally, even better). You’ll pay a little bit extra, but you’ll easily get more than that back in productivity. And more importantly, it will personally save you a heap of time.

2. Pick your tasks to outsource.

There are some things that are too difficult to get done overseas. And don’t take your advice from the offshore staff on what can and can’t be done – they will say yes to everything. Consult with a local expert.

3. Any ongoing task that has a documented process is much easier to teach to offshore staff.

Anything that is a project, meaning something new without a process, will require a project manager to be responsible for the outcome. Don’t try and hand projects to offshore staff without having an internal project manager at your end.

Best things to outsource offshore: Social media, research, web and graphic design, data entry, transcription, document and e-book creation, bookkeeping, SEO, virtual admin.

Follow these rules and you will be able to get a higher rate of productivity and save money in your business.

ABOUT THE AUTHOR Monty G. Hooke is a ‘Serial Entrepreneur’, having had his first business at eight years old. Now with a passion for helping other entrepreneurs better leverage their time and natural abilities, Monty speaks at events and runs workshops, at the same running his companies in Australia and Asia.

BUSINESS MATTERS 29

matters

real estate matters BEVAN HORSNELL | BELLE PROPERTY

STARTING YOUR PROPERTY PORTFOLIO Property is so often a topic of conversation on which everybody has an opinion, but did you know that less than six per cent of Australians own an investment property? For what most consider to be one of the traditionally secure forms of investment, a few simple steps could set you on the path to financial freedom.

Check your financial capability An obvious place to start, but intimate knowledge of your disposable income is the first factor to take into account when purchasing an investment property.

This is as simple as listing your assets, identifying your income and calculating your expenses.

Assess your attitude to risk vs reward This is a personal decision which is different for everyone, but identifying your risk profile will help you sleep soundly once the investment is made.

Understand your budget A good mortgage broker can help hone this number, but sticking to it is crucial. Overspending on your first investment property may inhibit your ability to buy another one when the time is right.

Be informed/know your market What will your budget allow you to buy? Are you looking for capital growth or rental returns? How much ongoing maintenance does it need? Is there anything needing immediate attention? What are the vacancy rates in the area?

Researching your target area and individual properties within your budget will make the eventual decision so much easier.

bevan horsnell 0412 512 257

Focus on the right decision Don’t make emotional decisions about inanimate objects. As Warren Buffett says, “If you don’t feel comfortable owning something for 10 years, don’t own it for 10 minutes!”

ABOUT THE AUTHOR As Principal of Belle Property Buderim, and a resident of the Central Sunshine Coast since 1990, Bevan has great experience in local property trends, acquired through a large and established network of both business and community contacts.

30 ISSUE 62

“as individual as you are”

matters

smile matters DR PAUL DEVER | OCEAN ORTHODONTICS

MEETING CUSTOMER FINANCIAL NEEDS In this tougher financial climate, postGlobal Financial Crisis, businesses have been forced to work harder on a lot of different fronts to ensure their customers keep walking through the door. The Sunshine Coast has not been immune from this. In fact, I believe the Coast has probably been affected harder than other regions as it has been a magnet for young families moving here from the southern states.

In speaking with these parents, it becomes apparent that apart from the lifestyle, one of the biggest drawcards is the promise of affordable house and land prices. The chance to live in a nicer location in a newer house on a bigger block of land is an offer too good to pass up. As we talk further, I quite often hear where the sting in the tail is – the cost of living.

Many of these parents describe that everyday necessities such as groceries and petrol seem to cost so much more up here than they did in Sydney or Melbourne. So the question is: How can businesses compete for the remaining hard-earned dollars which are spread thin after the everyday living expenses have taken their toll?

We believe that you need to offer different payment options. People manage their money in different ways. So offering different payment plans to try to accommodate your clients needs is important.

It could be an upfront deposit prior to the commencement of your services and then monthly direct debits from a bank account or credit card. Alternatively, another option is a number of lump sum payments over the course of the services (such as at the start of the new financial or calendar year). Yet another payment facility that can be offered is Bartercard. Some practices offer loans for treatment through third party financial providers. The flexibility of different payment plans can make goods or services more accessible to customers in these challenging times.

Adult Orthodontics, It’s Never Too Late Members of the Australian Society of Orthodontists

Dr Pat Hannan

Dr Paul Dever

SCAN HERE

ABOUT THE AUTHOR Dr Paul M Dever BSc BDent(Hons) DClinDent(Orthodontics) MRACDS(Orth). Paul joined Ocean Orthodntics in 2012, and lives locally at Bli Bli with his wife and two children.

Orthodontic treatment can be successful at any age and adults especially appreciate the benefits of a beautiful smile. Whether you’ve disliked your smile your entire life or you’d like to improve your health and self-confidence, we can help.

At Ocean Orthodontics treatment options are flexible and we can offer orthodontic solutions that have minimal impact on your work and lifestyle.

For further information visit our website.

BASED IN WARANA, SERVICING ALL OF THE SUNSHINE COAST

Phone 5493 3200 www.oceanorthodontics.com.au

Embrace the Experience BUSINESS MATTERS 31

CLICK IT! STORE IT!

matters

accounting matters MICHAEL THOMAS | THE LATERAL GROUP

This isIT! where the logo is CLICK IT, NAIL IT, STORE on the Facebook page

Well, there you have it – another financial year done and dusted! What’s that I hear you say? “Where did the time go?

Wasn’t it Christmas just the other day?”

Still working on your New Year resolutions? You know the ones – lose some weight, start a hobby, spend more time with the family etc. Never mind, there will always be next year!

!

T I L I A N CLICK IT! STORE IT! NAIL IT!

MADE TIME + MORE MONEY + LESS STRESS

www.lateralgroup.com.au | 5438 8630 This is where the logo is on the Facebook page

MADE TIME + MORE MONEY + LESS STR

www.lateralgroup.com.au | 5438 8

CLICK LIKE TO ENTER

So with that in mind, I thought I’d help you out. Yes, that’s right – here are my Top 10 Financial New Year Resolutions: 1. Get organised - Xero, Receipt Bank and Geo-Op for Tradies make life so easy!

2.

If your accountant is still not returning your calls or giving you some unsolicited advice, get a new one! Oh, and make sure they’re cloud accountants if you’re not using Xero already.

3.

Make a plan – where do I want to be financially this time next year? Then build on this to cover the next three or five years, and set some goals. Xero combined with other add-ons like Spotlight Forecasting are great tools for this.

4.

Set aside some time each week just to work on your business – review your results, develop your marketing or learn some new skills.

5.

Get networking – make some new (business) friends.

6.

Manage your risk – make sure your personal and business insurance is adequate for your needs. Protect your income at all costs.

No matter whether you are a one-man band or managing a team, The Lateral Group are certified Xero accountants that are focussed on your business growth.

CLICK IT! STORE IT! !

T I L I a CLICK IT! STORE IT! N 7.

Sort out your super – particularly if you have it in bits and pieces all over the place.

8.

Get a better deal – look at your key suppliers, including your bank, and make sure you are getting the best deal possible. Sometimes all it takes is to just ask.

No matter whether you are a one-man band or managing a team, The

Weaccountants know how time thatfrustrating are focussedand on your business growth.

No matter whether you are a one-man band or managing a team,consuming The LateralitGroup certified the finances can beare managing know how frustratingThat’s and time-consuming it can 9.

Talk to yourthat advisor don’t just wait thebusiness call. If you’re accountants are–focussed on for your growth. of We a small business. why we offer thebe managing the That’s why we offer the fastest growing cloud-based accounting syste in business, make sure you do this at least quarterly. fastest growing cloud-based accounting Reviewhow your personal plansand at least annually.

We know frustrating time-consuming it can be managing theentering finances a small system, XERO. By your of details in ourbusiness. competition to WIN $1000 Hardware Vo That’s why wefun offer thebusiness fastest and growing cloud-based accounting system, XERO. 10. Have some in your personal lives. to see how The Lateral Group is revolutionising small business..

Don’t wait! Get it done now before Christmas rolls

By entering your details in our competition to WIN $1000 Hardware Voucher you are taking the first step around again – it is just around the corner! to see how The Lateral Group is revolutionising small business..

More Time + More Money + Less Stress

ABOUT THE AUTHOR Michael Thomas, Principal of The Lateral Group, has been in the financial business for over 30 years. He has strong expertise in accounting, business advice and financial planning.

More Time + More Money + Less Stress SCAN HERE TO VIEW VIDEO

32 ISSUE 62

MONDAY 1

8

TUESDAY

“We love Element on Coolum Beach’s central location and modern apartments. We parked our car and walked everywhere. The staff made our stay exceptional”. Emma

M A T T E R S

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Paul Crantock. C.E.O. Tandara Lodge Aged Care

First months rental *CONDITIONS APPLY

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challenging. In this 2 hour workshop participants will learn how you can utilise a range of team building activities within your workforce to engage and develop working relationships and ultimately achieve greater productivity and results for your business. Attendees will gain an insight into the benefits of team building and walk away with some specific activities they can run for their own team.

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• Server/Workstations • Network Management MONDAY TUESDAY • Preventative Maintenance • Service Agreements • Disaster Recovery 2 • Qualified Technicians • Remote Support • Managed Services • Cloud Services

BUSINESS

8/3 Rigby Employer Street, Super Nambour Qld 4560

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or book online at SeeRestaurant.com.au

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Session

Come and try our delicious selection of meals today! Open Easter Sunday for lunch and BM Advertisers dinner or treat your MumMagic for Mother’s Day. Business

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 Registered BAS agent  Payroll & PAYG  Xero Certified Partner 27 28 MYOB & QuickBooks  Accounting software setups  Mobile service

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matters

training matters CATHERINE MOLLOY | TARGET TRAINING

“HOWEVER BEAUTIFUL THE STRATEGY, YOU SHOULD OCCASIONALLY LOOK AT THE RESULTS.” WINSTON CHURCHILL This quote definitely rings true in the planning and goal setting process – we must make sure our strategy is bringing in the desired results or we need to re-evaluate it quickly.

IS YOUR BUSINESS ELIGIBLE FOR FUNDING?

As they say, “A fool and his money are soon parted.”

Money and Me: If you save five dollars a day, in 43 years you will have one million bucks. When the funds hit the J curve, you may well and truly have more than that in the bank. So at least let’s help the next generation hit this goal. I wish I knew this 20 years ago, but then it’s never too late to start!

What we need to be careful about is thinking we have disposable income that can be thrown away. It really is discretionary income and we should be looking at investing 10 per cent of our income each week.

“You are today where your plans of the past have brought you.

You will be tomorrow where today’s plans will take you.”

George Faddoul

Any small business owner leading up to the end of this financial year needs to seek professional advice. Too often, small business owners make mistakes that could easily have been avoided by seeking the right advice.

Here’s an example of the confusion around this tax time: last year a small business could write off depreciating assets costing less than $6500.

“The rules are no longer clear under the Abbott government – they plan to reduce the immediate write-off down to $1000; however it is not yet passed and may not be passed until July, and may then be backdated to January. (Information sourced from Smarter Magazine). Confused?

Small business owners work hard for their money and time is not regarded as a valued commodity – it is part and parcel of the job. Where you can, I suggest you make use of the Chamber of Commerce educational forums around the Coast, small business courses and employ an excellent small business accountant. This way, money and you will not soon be parted!

 Face to face workshops and online training available  Funding rebates for school-based trainees and new team members  Cert 3 guarantee programme, open to casuals, part-timers and full-timers PHONE TODAY 5452 7722 for your eligibility UPCOMING WORKSHOPS Bellingham Maze Bootcamp 18th of June Identify and evaluate marketing opportunities 24th of June / (5pm - 8pm, 2/64 Sugar Road, Maroochydore) LLN 27th of July TAE intensive commencing 28th of August Cert 111 Hospitality induction every MONDAY Double Diploma business and management available now Cert 111 Business induction every Thursday

Educate, Innovate and Succeed. Call your local training company today and see where you will benefit from further education.

SCAN HERE TO VIEW VIDEO

ABOUT THE AUTHOR Cath Molloy is the owner of Target Training and was recently awarded the 2013 AIM Excellence Awards Sunshine Coast Manager of the Year. She has over 25 years expertise in the delivery of services, sales and training.

www.facebook.com/ targettrainingsunshinecoastwidebay Servicing all of Qld and Australia.

NATIONALLY RECOGNISED COURSES AVAILABLE BUSINESS MATTERS 37

matters

legal matters MITCH DEVINE | DEVINE LEGAL

CONFIDENCE

RESTRUCTURING YOUR BUSINESS? A business may choose to restructure its operations to improve efficiency and productivity. Restructuring will, however, create multiple employment issues which should be investigated by a prudent employer prior to implementation. An example is the obligation to consult in compliance with an applicable federal modern award.

The obligation to consult will be initiated when the employer has made a definite decision to introduce changes in production, program, organisation, structure or technology that are likely to have significant effects on employees. The model consultation clause defines significant effects to include changes in the composition, operation or size of the employer’s workforce or in the skills required to undertake the work, the elimination or diminution of job opportunities, promotion opportunities or job tenure, the alteration of work hours or locations and the restructuring of jobs, including a termination of employment.

When engaging in the consultation process, the employer must discuss the following:

Not sure of your next move?

• the proposed changes • the effects the changes are likely to have on the employee • the measures to avert or mitigate the adverse effects of such changes on the employee • and give prompt consideration to matters raised by the employee and/or their representatives in relation to the changes For the purposes of the discussion, the employer must provide all relevant information about the changes to the employee in writing, although the employer is not required to disclose confidential information.

Although it is ultimately the employer who has the final right to make a decision about a redundancy, the stated purpose of the consultation provisions contained in the modern awards is to provide the employee an opportunity to suggest measures to alleviate or minimise any negative effects of the proposed restructure, and to assist management by exploring alternatives.

Devine Legal specialises in problem solving for employees and employers.

Mitch Devine

A failure to consult in accordance with the terms of an applicable modern award: • will inhibit an employer’s ability to defend an unfair dismissal claim on the basis of a genuine redundancy • may expose the employer to a prosecution in the Federal Court or Federal Magistrates Court, resulting in an injunction or penalties Where a restructure results in the termination of employment, further industrial complexities arise concerning the obligation to make a severance payment, the selection of employees for dismissal, the relevance of any workplace policies and depending upon the number of employees affected, the necessity to notify a relevant union and Centrelink. Further, there are certain types of restructures which are prohibited by the Corporations Act. A proposed restructure for the purpose of saving money can very easily end up costing a business much more, if it is not carefully considered. *Warning: The content of this article is in the form of an academic paper and the opinions expressed herein are generalised. The application of principles referred to can alter from case to case. No reliance should therefore be placed on the opinions expressed in this article without detailed consideration of the circumstances of the case in question.

ABOUT THE AUTHOR Mitchell is the principal of Devine Legal and is accredited by the Queensland Law Society as a Specialist in both Workplace Relations and Personal Injuries Law. 38 ISSUE 62

Devine Legal can offer you confidence in taking that next move.

DEVINE –LEGAL–

Phone 5479 1006

mdevine@devinelegal.com.au www.devinelegal.com.au SERVICING THE SUNSHINE COAST AND BEYOND

matters

education matters KATHRYN WILKINSON | SUNSHINE COAST GRAMMAR SCHOOL

CLASSROOMS OF THE FUTURE – TRANSFORMING LEARNING What a long way we’ve come from what was once viewed as the traditional school classroom. We are now educating students for the 21st century to be active thinkers, who are able to collaborate with learning partners and think and problem solve critically, while displaying creativity across a variety of contexts.

Traditional classrooms in the 20th century were dominated by one type of furniture design, usually arranged in a straight line, with classes predominantly teacher and blackboard focused. In the late 20th century, digital technologies were added to the classroom in the forms of interactive or conventional whiteboards and a handful of desktop computers – but these additions rarely altered the dynamics of the teaching style within the classrooms.

There are exciting changes afoot for our 21st century learners. Our modern day classrooms are being transformed into stimulating and colourful, student-centred, flexible environments. These learning spaces are creating the ideal environment for active group learning, as well as teacherdirected and individual learning, allowing for responsive flexibility to suit student needs and the daily learning requirements of the classroom.

Without doubt, current research is pointing to the fact that peer collaboration (team work) and feedback as a result of this collaboration are strategies which have the greatest impact on improving learning outcomes (Hattie 2009).

Flexible table groupings and seating arrangements lead to more discussion, active student learning and frequent informal teacher assistance, with students in these environments outperforming those who were taught the same course in a traditional classroom (Whiteside, Brooks and Walker 2010).

Research shows (Gee 2006) that 21st century classrooms need to: n

be welcoming and familiar

n

be flexible

n

allow adequate space for movement

n

allow for student and teacher ownership

n

enable changeable focal points within the space

n

n

have mobile displays that support collaboration and teaching with digital media

anticipate future needs

The challenge for schools is to ensure that learning environments continue to evolve in response to the needs of current and future learners.

With these exciting changes taking place in our classrooms right now, we can be assured that we are providing the dynamic environment required for the 21st century learner.

ABOUT THE AUTHOR Kathryn Wilkinson is a primary school teacher and aspiring educational leader at Sunshine Coast Grammar School. Beginning her career at a small two teacher school, Kathryn quickly learnt the importance of catering for the diverse needs of each student within the classroom. Since joining the Sunshine Coast Grammar team in 2007 Kathryn has taught across the early years of the primary school and has proven herself to be a leader of classroom innovation. Kathryn is passionate about teaching her students to be active thinkers who question, wonder and hypothesise about their world around them. As an early years teacher she sees her role as to ignite each student’s passion for learning and encourage them to become inquisitive lifelong learners.

BUSINESS MATTERS 39

matters

brokerage matters ROD RUSSELL | SAVVY BUSINESS SALES

BENEFITS OF OWNING A BUSINESS Being the owner of a business can be extremely rewarding, both financially and personally. Those who choose to have full control and either purchase or start a business will enjoy the many advantages on offer such as: Financial rewards: Owning a business offers increased chances to make substantially more money than you could as an employee. You will enjoy more perks and tax breaks as well as having the opportunity to increase your wealth through purchasing property, accruing assets and building a saleable enterprise.

Independence: As a business owner you are the boss – you are in full control and have the freedom to make the decisions you feel are necessary to build your business.

Lifestyle: Owning a small business gives you many lifestyle advantages. Being in charge, you decide when you work and what role you play. You have the ability to spend more time on personal activities or with your family, and will never have to ask for time off. Business can support your interests through sponsorship and participation.

Learning opportunities: Business owners gain a thorough understanding of business operations and will be involved in marketing and promotions, accounting, legal issues, finance and recruitment. You will build personal and business relationships through networking and dealing with industry contacts, clients and suppliers.

Creative freedom and personal satisfaction: As a business owner you’ll be able to work in a field that you enjoy. Your skills and knowledge will be put to use and you will gain personal satisfaction from implementing your ideas, working directly with customers and watching your business succeed.

It is no coincidence that the majority of the world’s wealthiest people are involved in or come from a business background - and they all had to start somewhere!

SCAN HERE TO VIEW VIDEO

ABOUT THE AUTHOR Rod’s unrivalled professionalism and years of experience have earned him the reputation as the Sunshine Coast’s most successful business broker.

He continues to raise the standards in business sales.

40 ISSUE 62

Booming Building Hire

It’s hard to comprehend, however, just imagine the opportunities for this hire business with billions of $$ in construction underway within walking distance of their central location. Kawana Equipment Hire has been established for 21 years, they are renowned for exceptional service and a diverse range of quality commercial grade equipment. They have it all including toilets, dingoes, scaffolding, scissor lifts, fencing, generators and much more. With loyal staff in place this 5 ½ day p/wk business enjoys a fantastic cashflow whilst showing enviable profits.

$875,000 WIWO

Rod Russell 0409 931 600

High Profit Industrial Supplier This amazing business to business supplier specializes in selling a range of welding, industrial and paint products to a large range of customers across the Sunshine Coast. Previous experience not required as proven by the current owners. With incredibly consistent sales and Net profits in excess of $250,000 per annum, this 5 ½ days business has few direct competitors and so much opportunity.

$550,000 + SAV

Michael Yared 0431 172 889

Make $90,000 Working 10 Days per month Here is the ultimate business allowing you to work whenever you want! They have been servicing the tourism industry across Brisbane & Sunshine Coast for the past 8 years & the owner only works 10 days/ month to make profits of $90,000/year. It can be run from any single garage with the incoming owner only needing basic sales skills to be successful.

$150,000 WIWO

Michael Yared 0431 172 889

Stay at home and work when you want Simple, home-based & has found a small niche with minimal competition & made profits in 2013 of $30,000+. They are a small run manufacturer of cork backed drink coasters & placemats who receive orders from right across Australia. You can operate the business from anywhere in Australia, all you need is a single garage and a computer . . .

$30,000 + SAV ($5,000) Michael Yared 0431 172 889

Business Matters Magazine The Sunshine Coast’s most respected business magazine is being offered for sale. This high profile production delivers ten quality editions per annum to almost every business house on the Sunshine Coast from Beerwah to Pomona. Several prestigious business awards highlight the fine-tuned systems and procedures in place to ensure ongoing success. The profitability is bound to impress.

Call Rod Russell on 0409 931 600 for further information

T 5444 3300 E sales@savvybusiness.com.au

www.savvybusiness.com.au

matters

medical practice matters ALBERT BORZILLO | WEALTHMED ACCOUNTING

HAVE YOU BEEN WORKING AS A GP AND THINKING OF STARTING OUT ON YOUR OWN? One of the biggest decisions you will face is whether to go it alone or buy into an existing practice.

Here are some of the issues you need to consider to help you make an informed decision.

Need an accountant who specialises in medical + Allied Health?

Start fresh or join an established practice?

Joining an existing practice with an established patient database means that the time required to build your cash flow position is shorter. Because the business has already invested in its growth, the owners will expect you to purchase equity or contribute to the costs in some way. Depending on the business relationship, it will often be in the form of a percentage of fees being retained or contributed toward the business operation, the purchase of goodwill or sharing the liabilities of the entity.

There is no substitute for good advice. You are an expert in your field, we are experts in ours and we are here to help you when it comes to getting professional financial advice, and ensuring you get an optimal outcome for your new practice.

The right set-up is absolutely essential It is common knowledge that a new business has more cash going out than coming in during the start-up period. In this phase your business is most vulnerable. Start with the end in mind and get these three key things right.

1. The right business structure

Sole trader, practice trust or other structure. And what about GST?

2. A flexible finance arrangement Use the equity in your own home, business loans, super to purchase practice rooms, vendor finance or line of credit facilities.

3. Appropriate contracts or terms of engagement Percentage of revenue, contracted hours, fixed fee agreement, cost sharing arrangements, key person and buy-sell agreements and purchase of existing practice rooms.

There are a number of ways you can structure your practice, and getting it right from the beginning will give you more flexibility and tax planning opportunities.

If you’re buying into an existing practice, the terms and conditions must be agreed to prior to starting, and with the structure in mind. This will give you great traction in the early stages of a new practice, allowing for continued growth, and can mean the difference between success and failure.

Wealthmed Accounting Pty Ltd Reg. Tax Agent No. 24677924 Wealthmed Australia Pty Ltd is a Corporate Authorised Representative No 444018 of Private Wealth Pty Ltd AFSL & ACL No. 320404 ABN 15 771 186 421

SELLING YOUR PRACTICE? Whatever the reason...

We can sell your practice for you! The process will be easier than you may think.

Practice Valuation Advertising

Sales Administration Negotiation

We will personally work with you to obtain the best price for the sale of your practice in the fastest timeframe.

Contact us now for more information ABOUT THE AUTHOR Albert Borzillo is a member of CPA Australia and has wide experience in both industry and public practice. Albert has over 30 years’ experience as a practising accountant.

PH 1300 652 361

sales@idealpractice.com.au

www.idealpractice.com.au BUSINESS MATTERS 41

matters

hr matters SALLY DESCH | HRM CONTRACTING & CONSULTING

MONEY AND YOU The most money you spend as an employer, in the majority of businesses, is on wages.

Therefore, employers need to carefully consider what to pay their staff. We work with a lot of organisations that find the minefield of setting wage rates confusing and frustrating. We recommend the following in identifying what to pay staff: Firstly, establish which industrial instrument employees are covered by in your workplace: • modern award • enterprise agreement If your workplace is covered by a modern award or an enterprise agreement, review the classifications and the pay rates that apply, including junior or trainees rates, and ensure you are paying these rates or above.

If you pay above these rates and want this to be an inclusive rate, ensure the industrial instrument allows for this and that you follow any requirements for documenting an inclusive rate in a legally compliant manner.

• award free If there is no modern award or enterprise agreement that covers your employees, they will be award free and you need to ensure they are paid above the minimum wage. The current full-time minimum wage is $16.37 per hour or $622.20 per week.

Secondly, to be competitive as an employer, you can’t always rely on paying the rates you are legally required to pay. You often have to pay more to attract the best talent.

So we recommend doing a market comparison for similar roles, in similar industries in a similar location, to understand what you are competing with in terms of wage rates.

Thirdly, it isn’t always about money, so think about what you can offer to complement the pay rate with attractive conditions or other forms of reward and recognition.

Finally, the Fair Work Commission reviews the minimum wage each year, which impacts on the rates found within any industrial instrument. Any changes are usually effective from the 1st of July, so this is a date to mark in your calendar to ensure you are paying staff correctly. Even if you believe you are already paying above award rates, it is critical to check you are still compliant following the Fair Work Commission’s review.

ABOUT THE AUTHOR Sally has been in the HR industry for almost 20 years.

She is very passionate about people and getting the right fit. She started HRM to provide a personalised service, not just to put bums on seats.

42 ISSUE 62

At HRM we...

Give you extra thinking capability Save you time

Listen to what you need

Save you money

Give you ideas Give you a hand

Why engage HRM for your HR Services: Objective, best practice solutions - we provide objective advice, based on best practice HR for creating people management solutions.

Tailor made - we get to know your business and tailor our HR solutions to your individual business objectives Efficient – we are always responsive to deliver your HR services within your timeframes.

Testimonial from the Director of a local Printing company: ‘We have been working with HRM since July 2010 and have developed a strong relationship as our business partners in engaging, managing and optimizing our staff. We also have access to a professional HR Manager when our operations require it, without the overheads. We find the staff at HRM are always responsive to our needs in a timely manner and deliver consistent, professional advice that adds value to our business.’

P. E.

1300 962 258 ask@hrmcc.com.au

www.hrmcc.com.au

right people. right careers. right choice.

matters

partnership matters PETER CHICO JONES | PARTNERS INSYNC

PARTNERSHIP PLAN – WHAT’S A PARTNERSHIP PLAN? According to Guy Biran of JM Partners, a Melbourne accountant with over 20 years experience with business partnerships, 70-80 per cent of partnerships fail within three to five years and of them, 80-90 per cent were caused by a breakdown of the HUMAN relationship.

For 20 years Guy watched as partners, filled with the romance of shared enthusiasm towards a common goal, came to him as they built their business, only to end up in financial and legal battles as they came again – this time to dissolve their business. The financial and emotional costs were enormous.

Of course there were factors that stressed the partnerships – there always will be. Market trends, skills, strategy, marketing, administration and family involvement, to name a few, but these are essentially issues of growth and learning. These issues are necessary and should be harnessed to strengthen the partnership, not cause it to breakdown.

Many of these partnerships could have worked and some should never have started, but had they completed a partnership plan, they would have saved an incredible amount of frustration, grief and loss.

Partnership plans ultimately serve to bring greater clarity and understanding to the key human pieces of your business puzzle. They keep you and your partner on the same page, working towards the same goals by creating communication strategies that ground and guide you.

A partnership plan is the most important document your business partnership requires.

With it, you will build foundations that put you in sync with one another and allow you to experience the phenomenon of the whole being greater than the sum of its parts.

BUILDING STRONG PARTNERSHIPS through Communication Understanding Strategies

Partnership plans should involve four basic steps: 1. Know Yourself Who are you bringing to the table? Not just the good bits, but also the bad and the ugly. Time to be honest: What are your fears and aspirations, your beliefs and values, your money style, your behavioural style? Are you open to personal growth?

2. Know Your Partner Do you really know your partner? I doubt it. Do you spend time listening to them with a view to truly understanding them? Not to find strengths or weaknesses, but to understand and appreciate them?

Partners Insync offers consulting, coaching and training for startup and established business partner relationships.

3. Know Your Communication Styles What does your partner need when they are under pressure?

Does your communication support or alienate them? Because remember…COMMUNICATION IS NOT ABOUT YOU. 4. Know your Vision This is the fun part. This is where you and your partner get to create a business that serves you and the community.

Ideally, your partnership plan should be done before you start trading, but at least before you bring out the daggers. The blame game is a good indication that it’s time to pause and rebuild the foundations – if both parties are willing. It’s never too late.

ABOUT THE AUTHOR In sport, Chico is an Olympic Beach Volleyball coach (Natalie Cook & Tamsin Hinchley). In business he consults, coaches and trains new and established business partnerships.

Why? “Because in partnership – we can create.”

Contact Peter Chico Jones on 0421 204 578 www.partnersinsync.com peter@partnersinsync.com BUSINESS MATTERS 43

matters

water matters BERNIE DUFFY | PHPERFECT PTY LTD

WATER AND YOU Scientists have found out that the body does not heal in an acidic state it only heals in an alkaline state. And unfortunately most of our town water is either neutral or acidic. Even, rainwater that is often seen to be wonderful for us is on the acidic side. So drinking town water or rainwater will quench your thirst but not necessarily improve your health.

But that is not the end of the health story when it comes to water. If you are looking for longevity and optimal health, then you need to consider whether the water you are drinking is energised and structured or in a dead state.

The best places in nature to find a perfect water molecule is next to a stream where the water is tumbling over rocks. This vortexing action creates a perfectly energised and structured water molecule.

So is it any wonder that the five places on Earth where people have extremely good health - where most live to be over 100 years old: Northern Pakistan’s Hunza Valley as well as Ecuador, Peru, The County of Georgia (in Russia) and Mongolia, all just happen to be beside or near naturally running mountain streams?

If you don’t have the luxury of living near a beautiful running stream of pure water, don’t fear, as there are products on the market that emulate this action found in nature whilst simultaneously alkalizing water to produce H2O that is perfect for the human body, pet consumption and garden growth.

How Safe Is Your Drinking Water?

WATER IS OUR LIFE BLOOD Research conducted by the World Health Organisation shows that over 80% of diseases are caused by poor quality water.

The Town Water that we drink can have over 700 harmful agents and over 20 are carcinogenic and 18 have proven cancer-promoting effects.

And your skin will absorb around 1.5 litres of water when you have a shower, taking all of these agents directly into your body.

Boiling water DOES NOT eradicate heavy metals, cyanide, arsenic compounds, nitrite and other harmful agents.

Phperfect provides THE EDGE with Phperfect Energised, Structured water to every tap & shower in your home! We’ve got your pool covered too.

Take Charge and ensure that you and your family are drinking, showering, and swimming in Chemical and Toxin-Free Water.

Call now for your free water sample.

1300 112 220 www.phperfect.com.au

ABOUT THE AUTHOR Bernie Duffy is the founder of Phperfect Pty Ltd and is passionate about the planet’s water. His catchphrase is ‘Perfect is an Alkaline Body!”

44 ISSUE 62

businesses BM asked some local businesses to share their top money saving or money making tips. grow on the Sunshine Coast for over 22 years

moneyfeature

Thanks Bartercard for the HRM MONEY SAVING/MAKING TIPS

The more we investigate the last four years. I have bought opportunities in so many fantastic things on Bartercard the more doors • Employ the right person the first time – every time you recruit, Bartercard including tickets open, especially within the to motivational speakers, salary for it can cost 100-300 per cent of the employee’s hospitality sector. holidays, computers, even a You can get certainty and peace of mind if your Managing managers and 50-120 per cent for operational staff.* Taking theNOW time to better pedigree kitten. I pay rent on understand the Bartercard Director, CEO, practice partner, employee with a particular skill Bartercardtoand just your recently • Invest in training and development retain talent – every system has shown us how purchased a property paying or technical expertise, or senior doctor cannot work. to access revenue previously time someone leaves your business they reduce your assets in the deposit on Bartercard. lost in room nights that I can honestly say it property, has been great for my business.

Without these income-generating staff working, the impact on valuable intellectual knowledge and experience. would otherwise have expired valueless.

Thanks again for your service and always smiling your medical practice will be significant. You will experience lost • Focus on what you are good at and seek professional support demeanour.

Bartercard for us simply means more business.

YES!!! Your business is making money, but can you keep it?

revenue, disruption to business operations, and lost patients. for managing your people – you cost more when doing things Vickie Magic Billthat Darby Editor, Business Matters Magazine Director, Rumba Beach Resort This NEW (tax deductible) insurance provides cash-flow to meet aren’t your expertise, and outsourcing can be less overall cost if business expenses, allows for continued loan repayments, you can be focused on generating income for your business. funds locum as well as recruitment and training.

I’mbook a firm“Today’s believer inworkplace the I use Bartercard trade dollars *LMA’s L.E.A.D. survey – concept of bartering and to satisfy my travel bug, but Wealthmed Australia is a Corporate Authorised Present realities…Future saving cashrealities” for better2013 uses I do recognise the value of and I believe that using using Representative them in a way thatNo. 444018 of Private Wealth Pty Ltd Bartercard has helped benefits me financially.

AFSL & ACL NO 320404 ABN 15 771 186 421.

st oast right people. ars earsright careers. right choice. us to keep ahead of the competition and improve our business.

We now primarily use Bartercard to win cash contracts as it’s an effective method to close a deal.

e ght on ts

P: 1300 962 258 Martin Pettifer E: ask@hrmcc.com.au Big Screens Australia we investigate the the The more The more we investigate www.hrmcc.com.au

I spend trade dollars on services for my rental property that are tax deductible and also allows me to offer a well maintained property to maximise cash rental returns Judy Bartlett Rapid Response First Aid Training

opportunities in in opportunities Bartercard the more doorsdoors Bartercard the more open,open, especially withinwithin the the especially hospitality sector.sector. hospitality na TakingTaking the time better the to time to better on understand the Bartercard understand the Bartercard tly system has shown us how system has shown us how ying to access revenue previously to access revenue previously d. lost inlost room nightsnights that that in room s. would otherwise have expired valueless. would otherwise expired valueless.

Tophave 3 Smart Money Tips Sunshine Coast Testomial ad 210x297.indd 1 Bartercard for usfor simply means moremore business.

Bartercard us simply means business.

for business owners

Bill Darby Bill Darby Director, Rumba Beach Resort If youRumba are a business owner, making money and conserving Director, Beach Resort cash in the right places is high on your agenda. Over 20,000 businesses in Australia are using Bartercard to help them be use Bartercard trade dollars I use Bartercard trade dollars smarter withItheir money.

Here’s 3 ways they do it:

to satisfy my travel bug, but to satisfy my travel bug, but do recognise value of of 1.I Reduce cashthe expenses s I do recognise the value usingor them in a using way Paying for products services Bartercard using them in athat way that means benefits me financially. benefits me financially. you can keep more money in the bank.

I spend trade trade dollarsdollars on on I spend 2.

Gain more customers services for my our services forrental my rental property that are tax Bartercard drives new customers tothat your by promoting property arebusiness tax also your products or deductible services to and the 20,000 membership deductible andallows also allows base. me tome offer wellamaintained to aoffer well maintained 3. rental Become more efficient property to maximise cash returns property to maximise cash rental returns The best way to be smart with your money is to be efficient.

Judy Judy Bartlett Bartlett You can fill more seats and sell excess inventory without the RapidRapid Response First Aid Response FirstTraining Aid Training need to discount when you utilise the Bartercard network. *LMA’s L.E.A.D. survey book “Today’scan workplace – To discuss how Bartercard help To discuss how Bartercard can help Present 2013 your business, contact ourrealities” friendly team team yourrealities…Future business, contact our friendly

1300 BARTER 1300 BARTER bartercard.com.au bartercard.com.au

P: 1300 887 137 info@wealthmed.com.au

To discuss how Bartercard can help your business, contact our friendly team

1300 BARTER bartercard.com.au 27/03/14 3:46 PM

The best advice I could give someone about money is to be careful whom they get advice from.

Everyone loves to give it, so before you take advice from someone, look at who they are and what they have – and if that’s where you want to be, take their advice.

Most people get their money advice from a bank, and that really is like asking a mouse where to put the cheese.

A bank’s first priority is to make money for their shareholders, not you. So if you want to know how to make money, how to save money or how to invest money – find someone who is successfully doing exactly what it is you want to do and ask his or her advice… it works. Chris Childs.

Contact us today to find out more

THINKMONEY.COM.AU OR CALL 07 5430 4777 BUSINESS MATTERS 45

BUSINESS MATTERS MAGAZINE

CA L E N DA R JUNE/JUL MONDAY MAY

16

Your Body Has the Answer, Cooroy Library, Cooroy, Ph: 5329 6555 Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299

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18

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Business Matters Magazine New Issue Launch, Mooloolaba Yacth Club, Parkyn Parade, Mooloolaba Bookings at www. businessmattersmagazine.com.au Work Health and Safety, Maroochydore Library, Cotton Tree, Ph: 1300 542 727

Budget Bootcamp (Clients Only) Workshop, 55 Sugar Rd Maroochydore, For Info www.thinkmoney.com.au Your Future Your Career, Nambour Library, Nambour, Ph: 1300 542 727

Email us any events you have to magic@bmmag.com.au Phone 5444 4456 www.businessmattersmagazine.com.au

The Creative Collective, Wonders of Wordpress Novice, For Info www. thecreativecollective. com.au/events

FRIDAY

20

21

22

Goal Mapping For Wealth FULL DAY Workshop (Clients Only), For Info www.thinkmoney.com.au

Queensland Government Community Cabinet, Jubilee Hall, Maroochydore State High School, Maroochydore, Ph: 07 3224 4500

Basic Kinesiology, Maroochydore Library, Cotton Tree, Ph: 1300 542 727

Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299

2014 International Rally of Queensland, Caloundra, Imbil & Kenilworth State Forests, Sunshine Coast Wide, Ph: 07 3846 0233

2014 International Rally of Queensland, Caloundra, Imbil & Kenilworth State Forests, Sunshine Coast Wide, Ph: 07 3846 0233

Your Future Your Career, Maleny Library, Maleny, Ph: 1300 542 727

Mooloolaba Wharf Twilight Community Markets, Every Friday, 4pm - 8.30pm

Zero Emission Futures, Maroochydore Library, Cotton Tree, Ph: 1300 542 727

Stockland Caloundra Foreshore Fun Run, Jensen Park, Caloundra, Ph: 5491 4522

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Basic Kinesiology, Caloundra Library, Caloundra, Ph: 1300 542 727

Wednesday Wine Down Series, Noosa Springs Golf Course, Noosa Springs, Ph: 5440 3333

23

24

25

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Smartphone Smart Uses, Cooroy Library, Cooroy, Ph: 5329 6555

Herbs for Health, Maroochydore Library, Cotton Tree, Ph: 1300 542 727

Creedence Clearwater Recycled, The J Noosa, Noosa Junction, Ph: 5329 6560

Clean Energy Transition, Beerwah Library, Beerwah, Ph: 1300 542 727

Your Future Your Career, Kawana Library, Buddina, Ph: 1300 542 727

Soul Detox, Maroochydore Library, Cotton Tree, Ph: 1300 542 727

Wills, EPoA and AHD, Maroochydore Library, Cotton Tree, Ph: 1300 542 727

Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299

Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299

Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299

JULY 1

2

3

4

Your Future Your Career, Maroochydore Library, Cotton Tree, Ph: 1300 542 727 Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299

30

Herbs for Health, Caloundra Library, Caloundra, Ph: 1300 542 727+B37

Property Wealth Workshop Property Showcase, 55 Sugar Rd Maroochydore, For Info www.thinkmoney.com.au The Russell Bayne All Stars, Currimundi Hotel Function Room, Currimundi, Ph: 5491 6017 Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299

Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299

7

8

KidzArt, Painting with Acrylics, Butter Factory Arts Centre, Cooroy, Ph: 5329 6580 Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299 Market Chef 2014, Eumundi Markets, Eumundi, Ph: 5442 7106

9

Thnik Money Specialist Workshop, 55 Sugar Rd Maroochydore, For Info www.thinkmoney.com.au 2014 Northern University Games, Stockland Park, Bokarina, Ph: 5437 7666

2014 Northern University Games, Stockland Park, Bokarina, Ph: 5437 7666

2014 Northern University Games, Stockland Park, Bokarina, Ph: 5437 7666

Queensland Air Museum Open Cockpit, Pathfinder Drive, Caloundra West

SCBWN, Breakfast & AGM, Mooloolaba Surf Club, For Info www.scbwn.org.au

Market Chef 2014, Eumundi Markets, Eumundi, Ph: 5442 7106

14

15

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SUNDAY

2014 International Rally of Queensland, Caloundra, Imbil & Kenilworth State Forests, Sunshine Coast Wide, Ph: 07 3846 0233

Caloundra Chamber New Member Briefing, info at www. caloundrachamber.com.au

Wealthy ‘n’ Wise Education Event workshop, For Info www.thinkmoney.com.au

SATURDAY

Toastmasters International, Maleny Club, Ph: 5494 1265 Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299

Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299 Caloundra Cup Day, Sunshine Coast Turf Club, Pierce Avenue, Meridan Plains

5

Cirque Mother Africa, Nambour Civic Centre, Nambour, Ph: 5475 7777 Darren Percival Lovelife Tour, The Events Centre, Caloundra, Ph: 5491 4240

Cooroy Market, Maple St Cooroy, 8am - 1pm

Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299

10

Between the Pumice and the Blue, Caloundra Regional Gallery, Caloundra, Ph: 5420 8299

Groucho, The Events Centre, Caloundra, Ph: 5491 4240 Sunshine Coast Fire vs New Team B, Stockland Park, Bokarina, Ph: 5437 7666 Run Sunshine Coast, Kawana Waters, Ph: 5470 6598

6 The Caxton Street Jazz Band, Kawana Community Hall, Buddina, Ph: 5491 6017 2014 Northern University Games, Stockland Park, Bokarina, Ph: 5437 7666

Queensland Air Museum Open Cockpit, Pathfinder Drive, Caloundra West

King Of The Mountain Poker Run, Stan Topper Park, Pomona, Ph: 5485 1028

11

12

13

Queensland Garden Expo, Nambour Show Grounds, Nambour, Ph: 5441 4655

DeepBlue Who Are You, Nambour Civic Centre, Nambour, Ph: 5475 7777

Mooloolaba Wharf Twilight Community Markets, Every Friday, 4pm - 8.30pm

Queensland Garden Expo, Nambour Show Grounds, Nambour, Ph: 5441 4655

Cooroy Market, Maple St Cooroy, 8am - 1pm

Five-O-Five Club, Nambour Civic Centre, Centenary Square, Nambour, Ph: 5475 7777

Why Fitness Magazine Mini Expo, For more Info www.whyfitness.com.au

17

18

19

Computers for Beginners, Cooroy Library, Cooroy, Ph: 5329 6555 2014 Northern University Games, Stockland Park, Bokarina, Ph: 5437 7666

Woombye Community Markets, Woombye Pub, Woombye Queensland Garden Expo, Nambour Show Grounds, Nambour, Ph: 5441 4655 Caloundra Street Fair, Bulcock St Caloundra

20

Budget Bootcamp (Clients Only), 55 Sugar Rd Maroochydore, For Info www.thinkmoney.com.au TIR Property Showcase State of The Nation, 55 Sugar Rd Maroochydore, For Info www.thinkmoney.com.au The Creative Collective, Content Strategy Workshop, For Info www.thecreativecollective. com.au/events

Market Chef 2014, Eumundi Markets, Eumundi, Ph: 5442 7106 The Creative Collective, Facebook Profiles and Facebook Marketing for Business, For Info www.thecreativecollective. com.au/events

Mooloolaba Wharf Twilight Community Markets, Every Friday, 4pm - 8.30pm Cooroy Market, Maple St Cooroy, 8am - 1pm

Five-O-Five Club, Nambour Civic Centre, Centenary Square, Nambour, Ph: 5475 7777

Noosa Billy Cart Grand Prix, Noosa Christian College, Cooroy, Ph: 5447 7808 Caloundra Street Fair, Bulcock St Caloundra Caloundra Street Fair, Bulcock St Caloundra

localsuccess

Mortgage Advice Specialist John Enright is the face of Enright Finance Assist, a local financial advertising company located in Glasshouse Mountains who specialise in mortgage advice.

Having been in the banking industry for over 30 years and with a little over 15 years experience in mortgage advisory, John is certainly accredited.

Being a member of the Mortgage and Finance Association of Australia and a licensed Credit Representative of Loan Market, John not only provides the most appropriate loan product for your needs, but also keeps you informed during the whole process, from initial discussions to settlement and beyond.

What separates John from the rest is the fact he is absolutely free to customers, as he is paid by lenders. By this, it means John can source your loan and obtain the same special discount and offers you’d receive if you were to approach that particular lender yourself.

What separates John from the rest is the fact he is absolutely free to customers, as he is paid by lenders.

By this, it means John can source your loan and obtain the same special discount and offers you’d receive if you were to approach that particular lender yourself.

He is also quite flexible with when and where he is able to see customers, as he can see them at a time that suits them – at their home or at John’s office in the beautiful Glasshouse Mountains.

We asked John for his top three money making and money saving tips:

1. Shop around for a loan by using a broker. In doing so, you will save money through having someone evaluate your position to see which lenders you could actually borrow through, and from that list, who has the cheapest and most appropriate product for your needs.

2. Simply make repayments weekly or fortnightly. You could save $60,000 in interest on a $350,000 loan and five years off the term.

3. Make higher repayments than required. This will clear the loan faster and future-proof your loan.

www.loanmarket.com.au

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BUSINESS MATTERS 47

poweringbusinesspotential

POWERING BUSINESS POTENTIAL

Centre as a Public Private Partnership, due for completion in 2016.

with Kimberley Lynch

The Chamber of Commerce & Industry Queensland (CCIQ) supports State Treasurer Tim Nicholls’ third State Budget, describing it as a better balance between shoring up Queensland’s financial footing and investing in future economic growth.

CCIQ made specific Budget submissions to the State Government and is pleased to see many of its recommendations have come to the fore.

The Sunshine Coast has received significant government funding for education, health and community services, transport and roads, and other infrastructure projects, as announced on Tuesday.

Tim Nicholls also announced $768 million to upgrade sections of the Bruce Highway. The State and Federal Governments will contribute $177.3 million in 2014-15 for the $590 million upgrade of the Cooroy to Curra section of the highway, between Cooroy Southern Interchange and Sankeys Road, due for completion in late 2016.

There will be a further $80.3 million from the Commonwealth for the $195 million program of interchange upgrades between Caboolture and Caloundra, and $24.5 million to begin stage one of the $1.13 billion Caloundra Road to Sunshine Motorway ‘six laning’ works, including two new interchanges.

The State Government will also spend $12.1 million of up to $23.1 million in the next year on education facilities as Meridan State College, Pomona Campus of Noosa District State High School, and Morayfield, Narangba Valley and Redcliffe State High Schools.

Other major announcements for the Sunshine Coast included: n

The health spend for 2014-15 has gone up 6 per cent to $13.6 billion, with the Sunshine Coast receiving the largest chunk, with $369.8 million going towards the new Public University Hospital.

That money will continue the building of the $1.87 billion hospital at Kawana and its Skills, Academic and Research

n

n

n

$11.3 million to continue the SunCoast sub-transmission powerline project $10.7 million to ensure water quality at North Pine Water Treatment Plant $2.2 million to relocate Coolum Police Station $1.6 million to complete the auxiliary fire and rescue station at Pomona

The Bruce Highway upgrades will provide significant lengths in addressing capacity restraints enabling commerce, freight logistics and easier commuter journeys.

Overall, the 2014 Budget, combined with results from the recent Westpac Group CCIQ Pulse Survey for the March Quarter, which showed business confidence remained optimistic on the Sunshine Coast, forecasting positive business conditions, sales and revenue, and profitability levels this year means good news for the region.

CCIQ Events and Webinars: Thursday 26 June – Wilson HTM Webinar: Self-Managed Super Fund: A Must Have for SME Owners Thursday 17 July – Surety IT Webinar: Get the best return on your IT budget See more events and webinars at www.cciq.com.au/events

Kimberley Lynch is the Regional Manager for the Sunshine Coast & Wide Bay Area for CCIQ. CCIQ is the peak industry body for businesses in QLD. We exist to provide a powerful voice for small business and to power our member’s potential through providing access to essential tools, services, information and advice. www.cciq.com.au; klynch @cciq.com.au Not a member?

Join now.

Don’t take our word for it, here’s

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Teresa Durie

Rod Russell

Chilli Fire Services

Savvy Business Brokers

I just wanted to say that we really think Business Matters is a great magazine. It gives you that local exposure which nobody else can give you. Behind the magazine there are great networking events and opportunities for learning and all sorts of different things which no one else is giving you... Watch the video to hear the rest of this testimonial.

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We have been advertising in Business Matters for over three years now and found Vickie and her team exceptional to deal with. Not only do we get the benefits of their marketing, including their excellent distribution on the Coast, we also get the benefits of advertising and the connections and the people that we meet within the family... Watch the video to hear the rest of this testimonial.

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48 ISSUE 62

SAS R Empowering Entrepreneurs

Is your business working for you or are you working for your business?

You don’t have to work until you are 70 if you have the right strategies for your business. Being your own boss should mean you can:

1. Just starting out (Create), 2. W anting to streamline your processes (Automate), or, 3. Thinking of expanding (Replicate).

• take time off when you choose and • have the cashflow to relax a little • without having to live your life in debt At SASIR a team of experienced business operators and professionals have joined forces to provide you with a range of different mentoring options to boost your business into the 21st century. We can assist you to bring the multifaceted task of business operations into a succinct harmony. Our aim is for you to be able to celebrate being an entrepreneur while enjoying the journey.

Managing your business successfully means finding the right ideas to suit you, your lifestyle and your particular business goals. At SASIR we offer a range of programs to suit your budget, whether you are:

Services: One to One mentoring (on site or online).

Group Mentoring Online.

Exclusive Club Meeting Monthly (Only 25 attendees per location).

A Selection of Business Action Workshops (available quarterly).

For further details and your chance to be ahead of the game register your interest at https://www.sasir.com.au

The face of business is changing, locally, nationally and internationally. Globalisation is no longer just a word, it is a serious force to be reckoned with. With the right guidance you can sail smoothly through all the changes and have the lifestyle you envisage.

how can your BuSineSS Pay for your next holiday

E: djohnston@sasir.com.au W: https://www.sasir.com.au Facebook: SASIR Business Strategists Twitter: SASIR_DJ LinkedIn: http://www.linkedin.com/ pub/donna-johnston/46/b29/897

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BUSINESS MATTERS 49

numberbusiness

NUMBER BUSINESS

with Ted Fitzgerald

It was noted that as the development phase of the mining boom slows down, production levels will increase with benefits for states with BIG new projects such as Queensland (LNG, coal) and West Australia (minerals, gas).

Sunshine Coast’s Numbers Expert

WHAT IS MONEY?

as banks priced loans higher to cover potential risks and the

Power at its most liquid!

higher coast of their own borrowings in troubled times.

This week I attended a presentation hosted by the Australian

Summary: Bringing together the information from the AICD

Institute of Company Directors (AICD). Notwithstanding

presentation, the RBA minutes and the data shown in

the various shrill claims that followed the release of the

the chart, the message appears generally positive. Lower

Federal Government budget by Joe Hockey, the speaker,

interest rates for business loans, low inflation, house prices

an economist from the Commonwealth Bank, sketched

recovering, rental yields holding up, and government

a cautiously optimistic picture for the coming year. Using

incentives for first home buyers re-focused on new rather

Reserve Bank (RBA) analysis, GDP growth for 2014-

than existing dwellings. So if you are considering a bank

2015 is expected to be a bit below trend at 2.75 per cent,

loan for new machinery, more stock, larger premises

but then pick up at above trend over 2015-2016.

etc, the balance of ‘money power’ between lenders and

For Sunshine Coast business people there were three

borrowers looks as good as it has for many years.

key messages of reassurance. The first was the expected continuation of low inflation, probably remaining around three per cent annually for the next few years. The second, linked to the first, is that it was unlikely interest 80.0% 70.0%

US dollar exchange rate remaining around 92-93c. It not

60.0%

only makes us more competitive internationally, it slows

50.0%

down the big trend in locals going offshore for holidays.

40.0%

likely to have some consequential swings and roundabouts,

13 20

11

12 20

10

20

08

09

20

20

20

06

07

05

>9% - <11%

20

20

04

20

20

02

01

03 20

this, the resulting positive effect on the balance of trade is

0.0% 20

(LNG, coal) and West Australia (minerals, gas). To balance

10.0%

20

benefits for states with BIG new projects such as Queensland

20.0%

9

boom slows down, production levels will increase with

30.0%

19 9

It was noted that as the development phase of the mining

00

pointed to the positive effects on tourism of an Aussie/

Variable business loans <$100K

20

rates would rise significantly in the short term. The third

>6% - <9%

such as restraining exports and boosting imports.

Another reassuring message can be drawn from the Minutes of the RBA May Monetary Policy Meeting. They point to the positive effect of the current low interest climate on the housing market and building industry. This pick-up in domestic demand is progressively expected to flow through to stronger non-mining investment and employment, and therefore a higher GDP. So circling back to the interest of Sunshine Coast businesses, around 65 per cent of us have an annual turnover of less than $500,000. With that in mind I assembled data showing the volume of business loans of less than $100,000 by financial institutions over the last 15 years (see Chart). The dramatic impact of the GFC is quite obvious in the period 2008-2009, 50 ISSUE 62

So if you are considering a bank loan for new machinery, more stock, larger premises etc, the balance of ‘money power’ between lenders and borrowers looks as good as it has for many years.

peoplebusiness

PEOPLE BUSINESS

with Ken Wright

ARE YOU CHARGING WHAT YOU ARE WORTH? I read in a newsletter recently, “Someone has to be the most expensive, so it may as well be you.

But if you’re going to be the most expensive you have to be the best.”

This resonated with me, as I see many a business having the strategy of being the cheapest and really struggling.

Being the best covers a lot of ground. Here are six key steps:

6. Make it personal – do the follow-

1. The shift has to start internally – if you have a cheap mindset you need to replace that with a quality mindset. Nothing will happen if you don’t make this internal shift.

names, treat valued customers as

2. Be absolutely aware of what your competitors are offering and work out how you can make your offer not just a little better, but extraordinarily better.

changes. You have to keep coming

3. Leverage your past successes, years in operation, number of clients, types of clients, amount sold, awards – anything that adds to your credibility (maybe even write a book).

4. Become great at selling yourself – and make sure that your team are great at selling. Sell with confidence and pride and don’t be afraid of pointing out why you are more expensive than your competitors.

5. Be generous with your customers – exceed their expectations at every turn.

up phone calls, give gifts, remember the important people they are.

Now, a word of warning here. You can’t just start charging more and expect your existing customers to pay if nothing back to the term, ‘be the best’. As you proceed you will lose customers, but don’t worry – these are the ones with a ‘cheap mindset’ that you need to lose.

If you would like further tips on maximising returns from your ‘People Investment,’ email Ken@Engage4Results.com for free chapters from his Award winning book ‘The People Pill’

www.Engage4Results.com www.ThePeoplePill.com

BUSINESS MATTERS 51

Are you ready

localopportunity

TO RUN YOUR OWN BUSINESS?

There’s a new kind of business out

The company is looking for motivated

there that enables people to get

individuals who are focused, goal

going with their own business with

orientated, highly disciplined and

very little start-up investment.

organised leaders, willing to follow

Phperfect Pty Ltd is encouraging people to take control of their lives.

a systemised business blueprint to create ultimate personal

Applicants will be personally mentored to achieve success in a thriving industry with unlimited potential. “It’s all about creating an environment of self-achievement with all the support behind them” said David.

and professional success.

FREEDOM

“People will be able to work as

FLEXIBILITY

long or little to suit their own lifestyle,” said company CEO, David Paterson, “and they will reap the rewards of the effort they put in.”

ONGOING TRAINING & SUPPORT HIGHLY LUCRATIVE PAYMENT SYSTEM PERSONAL GROWTH ASSISTANCE “Our planet is our business,” said David, “and we have just launched the first of our products into the market. This first suite of products are geared to the real life-blood of the human body – Water.”

Our bodies are made up mostly of water and Phperfect Pty Ltd is in the business of providing energised, structured and alkalised water into the home for use with every tap or shower to provide optimal health for our clients.

and their future to build a business of their own following a proven system with on-going support, and training.

52 ISSUE 62

The company has a suite of water systems designed for the home and pool, along with a travelling system for people on the go, along with a range of bottled water.

The EDGE by Phperfect revitalises the body for optimal health and mental capacity, improves family health, and helps eliminate toxins in the body. The devices balance and soften water whilst at the same time energetically neutralizing toxins and heavy metals.

The addition of an alkalising machine creates water that is perfectly PH balanced with antiaging properties, with users marvelling at the improvement to joint and muscle pain.

The EDGE devices refresh and prevents scum in showers and baths, removing existing calcium and aragonite deposits and preventing and removing corrosion in pipes, water heaters, dishwashers, water heating systems, ice makers, etc. Clients using the system report a reduction in odours around and in bathrooms and toilets and a great improvement in overall skin and hair condition whilst preventing dry itchy skin.

Pets also thrive on Phperfect water and customers have found that plants and gardens are hydrated with less water with greener, lusher lawns needing less fertilizer.

‘OUR PLANET IS OUR BUSINESS’ “This is only the beginning’ said David; ‘we have several other products in development, including a beauty line, a health supplement grouping and some others we will unveil as time goes on.”

If you have an interest in some extra income and have the ability to work full or part time at it, call Phperfect on 1300 112 220 or go to the website at www.phperfect.com.au

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BUSINESS MATTERS 53

scene @ Andy Rudd (Nuskin), Tania Marsden (The Kitchen Table Network), Jeanne Treloar (Sassy Branding), Jenni Parry (Packaging and More)

Bar Starff (Cafe Forty Five 51)

New Issue Launch Thanks to Luke and the team at Café Forty Five 51, the food and service were second to none. We had so much great feed back.

Renee Corkill (MJJ Accounting ),Megyn Carpenter (Rejuvenate Marketing), Vanessa Webster(Webster Markerting)

Cafe Forty Five 51

Tracey Whelan, David O’Brien (Home & Away Catering), David Billsbrough (Business Matters Magazine)

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The Vlog Pod is the Sunshine Coast’s professional video blogging studio space and service.

Join us now and take advantage of the $99 introductory offer* for the first clip of your strategy.

We will film, produce and publish your video blog in our stress free, purpose built studio.

Scan the QR Code for an intro to the studio space and call or email info@vlogpod.com.au 07 5450 2715

*The $99 introductory offer applies to your first video of an ongoing strategy and is available for a limited time only

Clark Marshall (Blue Dog Digital Markerting), Tegan Mathews (I Get Shit Done), Kim Edwards

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BUSINESS MATTERS 55

Bartercard: helping businesses grow on the Sunshine Coast for over 22 years Thanks Bartercard for the last four years. I have bought so many fantastic things on Bartercard including tickets to motivational speakers, holidays, computers, even a pedigree kitten. I pay rent on Bartercard and just recently purchased a property paying the deposit on Bartercard.

I can honestly say it has been great for my business.

Thanks again for your service and always smiling demeanour.

The more we investigate the opportunities in Bartercard the more doors open, especially within the hospitality sector.

Taking the time to better understand the Bartercard system has shown us how to access revenue previously lost in room nights that would otherwise have expired valueless.

Bartercard for us simply means more business.

Vickie Magic Editor, Business Matters Magazine

Bill Darby Director, Rumba Beach Resort

Iâ&#x20AC;&#x2122;m a firm believer in the concept of bartering and saving cash for better uses and I believe that using Bartercard has helped us to keep ahead of the competition and improve our business.

We now primarily use Bartercard to win cash contracts as itâ&#x20AC;&#x2122;s an effective method to close a deal.

I use Bartercard trade dollars to satisfy my travel bug, but I do recognise the value of using them in a way that benefits me financially.

I spend trade dollars on services for my rental property that are tax deductible and also allows me to offer a well maintained property to maximise cash rental returns

Martin Pettifer Big Screens Australia

Judy Bartlett Rapid Response First Aid Training To discuss how Bartercard can help your business, contact our friendly team

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businesswakeup

BUSINESS WAKE UP

www.SprayCruises.com

with Amanda Gore

MONEY AND YOU: WAKE UP! What does money really represent to you? Do you think it’s the answer to all your problems? That if you had more money you would be happy?

According to research outlined in Psychology Today, it turns out money is important generally for a feeling of life satisfaction – but not happiness!

Happiness, it turns out, is far more complex and involves doing things with friends and having purpose and meaning in your life.

However, this is a great time to review your relationship to money and your perceptions, beliefs and stories around money and you.

Do you deserve it? Do you have enough? Are you constantly wanting more but never believing you will have it? Do you have old stories running around in your head from your parents?

Did your parents have a fear around lack of money – or losing what they had? Or never having enough? Those fears may well be lurking inside you. Today is the day to look deeply inside and be honest about your real feelings about money.

Check out your beliefs around your capacity to earn money; whether you believe you deserve to have a lot of money or lots of good things in your life, whether you are living with a poverty mentality or one of faith and trust. Mind you, you can trust and be stupid with spending. So the trick is to truly believe money is coming your way and be sensibly generous.

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feature

How to Overcome the Monday Morning Blues

by Paul Barrs

When retirement finally comes, I’m going to remember those Monday mornings where I often struggled to pull my torpid old bones from under the covers and into life, to whatever job I was doing at the time.

Although I’m far from retirement now, I can say that I do remember them like they were a distant memory. It’s been 15 years since I’ve had to ‘do that’ for someone else, and no day has been the same since.

The thing is, whilst the days may be different, Monday mornings are still the same – and sometimes it’s just too damn hard to get moving. Know what I mean?

So here’s what I’m doing this Monday morning, and what I do most Monday mornings to start the week with a bang. Perhaps you’ll get a few take-aways from it.

I start the day with some light exercise.

I rarely get into it too heavily in the mornings, simply because this old body ain’t what it used to be – but I understand that a fit body builds a fit mind. The better shape my body is in, the better shape my mind is in and the better decisions I can make, products I can create and so on.

Next I head down to a favourite coffee shop with a copy of last week’s and this week’s to-do list. I review last week’s checklist and see if anything needs to be carried over. Then slowly, between measured sips of my morning brew, I start to design my action list for the coming five days.

At the top of my list is a place for consulting /coaching clients. I have a special place for these people as I am working with them directly and

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need to make sure that I’m on top of things for them, creating separate lists of things for them to do.

I also have a great CRM (I use Salesforce) which handles all my client notes followups, action plans, record keeping and so on. Next thing on my list is to OPEN my follow up action planner…

Sidebar: I’ve learnt that 90 per cent of all potential business that a business could earn is LOST because they don’t FOLLOW UP! To be successful in the running of any business, you need to determine where your bread and butter comes from. This is the income that we generate that pays our bills, our wages and our staff. It’s the stuff that no matter what happens in the economy, we’re still going to have to pay if we want to keep our doors open.

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feature It’s vitally important to any business to communicate with your people and hopefully have them communicate back with you. It’s always a good idea to ASK.

One of the things I do every morning is look at my bread and butter income. I want to be sure that I’m on top of it, that I’m aware of any holes in it and can see the big picture at a moment’s notice.

The last two areas of my own custom list are creation and content. This is where I make plans for the creation or updating of my training programs. For me, this is the lifeblood of my business; it’s what I’ve been doing since day one. And while I firmly believe that we must serve our paying customers first, I know that without new products to sell, my business lives under a glass ceiling. Future growth depends on future development.

Remember, right now I’m just writing my list. It’s Monday morning and I’ll spend an hour writing my list while planning the week to come in my mind.

Next I look for opportunities to make new connections. I understand that new relationships can often take months to develop. These are the cream on the jam scones and well worth looking after.

Next on my list is communication. While it may seem similar to connection, it’s not. It’s different because it’s not targeted to specific individuals. It’s planning for my newsletter, my YouTube channel and my social media.

It’s getting the message out in order to bring people in. This is also a vital part of the building of any business, but like all things in balance, I schedule time for it and get it done.

I see communication more as keeping in touch in a general way with ‘my people’ – you, whoever you are reading this, with my affiliates, with my followers.

Imagine how these ideas could benefit you and your business, even if you were to review them just once a month! Most people fail in business because they see only the now or the never. Others dream so large they forget that the rewards of tomorrow come from the efforts of today. You cannot have one without the other. It’s all about balance.

So when you hit the ground running next Monday morning, do it with expectation and anticipation of something great coming your way.

If you fail to plan, you plan to fail.

3 4Is t5he7str9ess8of the5 7

9

R bookkeeping MONSTE eating you alive?

Paul Barrs has been helping local Sunshine Coast Business succeed online since 2002. He has spoken locally, nationally and at international seminars as an authority on internet business strategy. Looking for better results online? Contact Paul by visiting www.PaulBarrs.com/bm

9

68

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“Discounted Introductory Offer for a limited time only to attend to your workplace and conduct a health assessment of your current processes” For further enquiries and details of our services visit us at www.chessinvestigations.com or call Kath directly on 0403116038 BUSINESS MATTERS 59

localbusiness

From Strength to Strength! a solid and expanding Manufacturing Division alongside its Marine Operations. This innovation and vision has led to their development of specialisedcomponents for the ever growing Caravan and Truck Body Industries.

“By investing in Research and Development we have been able to achieve a product that is Lighter, Stronger and all round Smarter – one day all components will be built this way!” said Dave when asked about what he has learnt from this transition.

There’s a lot to be said for the quiet achievers and it’s even more uplifting when Enterprise is alive and well and living on the Sunshine Coast.

From their humble beginnings of a small boat building factory in Yandina to what is today a thriving and expanding Business with two Divisions – Marine (Boat Building) and Manufacturing, Cure Composites Pty Ltd could be described as a Model of Diversification.

In 2010 Directors, Dave Biggar and Ian McMahon could see the way to survive the GFC would be to ‘concentrate on what you do best and then diversify’.

That has been their key to success! Following two years of Research and Development, strategic growth and sourcing new markets, today Cure Composites can boast

In the meantime Cure Composites has continued to build high quality custom performance Multihulls the latest to be launched has graced the waters off Mooloolaba for the past couple of weeks and certainly sent heads turning.

Needless to say with their reputation for producing top quality Marine Craft they are already into the next Custom Build.

Note: Alongside their Boat Building Factory Cure Composite’s Manufacturing arm operates from Coolum Industrial and has recently announced their joint venture into the competitive Victorian market with a factory opening in Thomastown.

www.curecomposites.com.au 25 Junction Drive, Coolum Beach

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localbusiness

String rock sensation, DeepBlue, return to the Sunshine Coast with a new show DeepBlue are back with their captivating new show, Who Are You and will perform at Sunshine Coast Council’s Nambour Civic Centre on Saturday 12th July at 7:30pm.

Imagine a show that shuffles Radiohead, Corelli, Gotye and DeepBlue originals remixed with lush strings, big beats and rock ‘n’ roll.

Who Are You is all about the music and the moments that shape our lives. The performers’ exquisite playing, precision moves and circus antics are guaranteed to delight audiences.

Co-producer Darren Clark describes a DeepBlue show as a social night out that is full of fun. “In all DeepBlue shows, audiences experience fantastic emotional performances from 16 energetic musicians. We hope that everyone will have a great night out together”.

is full of information about DeepBlue’s music.

This ground-breaking web app also enables audience members to confidentially share identity-forming moments of their lives during the show. Of course, others will just want to sit back and have fun watching the show.

Visitwww.youngblue.net.au for more information and to register for the Winter Workshops. DeepBlue will also be inviting, for the first time in Nambour, choir singers of all ages to join them live on stage for a surprise performance as part of ChoralBlue.

DeepBlue’s Nambour Civic Centredates: Thursday 10th – Saturday 12thJuly DeepBlue Winter Workshops (for musicians aged 8-18) Saturday 12th July ChoralBlue Workshop Saturday 12thJuly 7:30pm DeepBlue Who Are You Show Book your tickets by calling 5475 7777, online at http://www.scvenuesandevents. com.au/nambour-civic-centre/ events/deepblue-who-are-you or in person at the box office. Join us on Facebook at www.facebook.com/ NambourCivicCentre Find “deep blue orchestra” on Facebook https://www. facebook.com/DeepBlueOrchestra

At Nambour Civic Centre, DeepBlue will dig deeper into the desires of their audience, continuing a conversation, which has previously seen their fans text in their dreams and song requests. Audiences are invited to use their smart phones to access DeepBlue’s ESP, an Electronic Show Programmme that

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localsuccess

l a n o s r e P t e Let’s G

with Personnel Specialist Haycroft Workplace Solutions

When Haycroft Workplace Solutions founding director made the decision to retire, a few long term employees were so passionate about the business that they decided to take it on themselves.

This was finalised just six months ago.

The four partners have all been affiliated with the business for over 10 years.

They have a real drive to encourage business growth and development of SMEs. One of the owners, Tatiana Porter, speaking to Vickie Magic from BM said,

“We want to change the perception that big companies ruin it for the little guy, and we do this by helping employers understand their options.

Our tagline is ‘keeping employment simple.’ The company was founded on this principle and it has never changed. We support employers.”

Tatiana shares her Top three money making/saving tips: 1. Know the value of your time Most SMEs focus on the bottom line or cash flow, and don’t consider what they lose in time. (eg doing your own bookkeeping or payroll). By freeing up time from mundane and time-consuming tasks you can increase your productive time, which could include increasing your client base, developing a new product, refining a service or anything else that builds your business.

2. Know the cost of worry Worry tends to be all-consuming and can paralyse you. For a business owner real worry emerges when there is a consequence of financial ruin, but worrying doesn’t ease that.

Assess your options, engage the right people, and deal with real problems as soon as you’re aware of them. The head in the sand approach seldom

Tatiana went on to say that she believed Haycroft were different from other HR companies because they have a team of experts who work in a variety of fields. They have people specialising in WHS, Industrial Relations, Employee Inductions, Payroll, Superannuation – in fact, any aspect of employment.

This means that their clients have the benefit of a team, but it also provides greater creativity when finding solutions to employment issues, as the team consider them from various aspects.

Anita Moss (left), Tatiana Porter (Centre) Ben Haycroft (back)

62 ISSUE 62

works and usually allows things to get worse. Better still, undertake a risk assessment and have a Plan B. 3. Know your budget Simple and obvious, but many people and businesses are quite distressed when they receive a bill. We all know that we will have to pay for electricity, insurance, and superannuation if you are an employer, so budget for this. It isn’t really a surprise.

In conclusion we asked Tatiana why people choose Haycroft Workplace Solutions.

“It’s simple,” she said, “our people care and provide great service. We all encourage and enjoy working with local businesses and want our clients to be successful – we support our clients.” www.haycroft.com.au

hairforbusiness

HAIR FOR BUSINESS

with Amanda Oxley

is just how enthusiastic she is about educating not only her staff, but also her clients on how to look after their hair when they leave the salon, providing the best quality advice and products to look fabulous all year round.

Amanda’s Top Tip For Choosing a Professional Hairdresser:

With nearly 30 years experience in the hairdressing industry, Amanda Oxley, owner and artistic creative director of Amanda Hair Design is certainly a hairdresser you can trust.

Amanda believes in training people to the very best standards, having been trained by the very best herself in London – Daniel Galvin, who was the hairdresser of the late Princess Diana.

Amanda is passionate about helping people achieve their most desired hair style and colour. What sets her apart

Look for experience and go for a thorough consultation with the hairdresser before your appointment.

Make sure in this consultation they ask lots of open-ended questions and spend time with you to understand exactly what you want, because often it is not a bad haircut, it is just not what you want.

Amanda is proud that her salon donates ponytails or hair to the Pantene Beautiful Lengths Charity to create wigs for women who have lost their hair during chemotherapy.

If you want to look fabulous all year round, contact Amanda by phone 5437 8484 or visit her at her stylish salon 69-89 Attenuata Drive, Brightwater.

Facebook www.facebook.com/ AmandaHairDesign Website www.amandahairdesign.com.au

Amanda’s Top Tip for Hair Care: Towel dry your hair before putting conditioner on it and only put it on the mid to end lengths of your hair.

Amanda Oxley is a multi-award winning hairdresser who started her career in London nearly 30 years ago. Having won two awards for QNA tint and colour trophy highly commended, won the People’s Choice Award for Wella Trend Vision, been nominated for a Sunshine Coast Business Award and currently nominated in the Telstra Business Awards 2014, Amanda is pursuing her passion in a professional and successful way.

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64 ISSUE 62

magicmoments

MAGIC MOMENTS

with Dranko Magic It’s EOFY time again, time to let your hair down and party – if only that was the case.

Blink and you’ll miss it, that’s right – half a year has gone by, and by this time next month we’ll start thinking about Christmas.

It’s true that we would all like to have more money or more cash flow through our business and in our lives.

Sometimes I think we all forget the most valuable asset we have, our life.

Because at the end of the day business matters, of course, but life matters more.

As most of you may know, my mother passed away early this year. My youngest sister Jamaica has three kids and the most wonderful husband, David, a girl could ask for. David has just been diagnosised with cancer. You may ask, “Why he is telling us this?” The point I’m trying to make is no matter how well we are doing and how much money we may be making or trying to make, or how much we can buy, or how many things we have, the price of our life doesn’t have a dollar value on it.

As we all think about our future, we sometimes forget to think about the present. If you feel like something is just not right, go get it checked out. If you still feel it’s not right after that, go get a second opinion.

We can all work harder or longer, or do more and more towards our future, but if we don’t look after ourselves and see someone or talk to someone when we don’t feel right, we’re not really looking after our future at all. Because at the end of the day business matters, of course, but life matters more.

Until next time, don’t sweat the small stuff.

Don’t worry, be happy.

Dranko Magic is the other half of Business Matters Magazine. He is our Operations Manager; this role includes professional photography, looking after all the invoicing, accounts, debt collection and also the delivery of the magazine.

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ADVERTISERS WHO MATTER TO US!

This list of our advertisers can help save you some valuable time when looking for one of these industry specialists.

BUSINESS

CONTACT

WHAT THEY DO

WEBSITE

All Computer Services

5456 1184

IT Operations

www.allcomputerservices.com.au

Amanda Hair Design

5437 8484

Hair Dressing Salon

www.amandahairdesign.com.au

AOK Risk Solutions

0409 342 552

Insurance

www.aokrisk.com.au

Audi Centre Sunshine Coast

5493 8000

Prestige Cars

www.audicentresunshinecoast.com.au

Austin Parry

0419 701 608

Business & Executive Coach

www.austinparry.com

Bartercard

5493 6162

Extra Bankable Cash

www.bartercard.com.au

Beach Road Holiday Homes

1300 882 093

Holiday Accomodation

www.beachroadholidayhomes.com.au

Be Beautiful Studio

5449 0388

Photographer

www.facebook.com/bebeautifulstudio

BEC Sunshine Coast

1300 133 058

Business Enterprise Centres

www.businessenterprisecentresunshinecoast.org.au

Belle Property

5456 0219

Real Estate Agents

www.belleproperty.com/buderim

Blue Dog Digital Marketing

0487 395 745

Web Designers

www.bluedogdigitalmarketing.com.au

Blue Moon

0417 721 802

Licensed Real Estate Agent

www.bluemoonproperty.com.au

Bon Appetit

0404 819 920

Restaurant Consultant

nshipton@y7mail.com

Boughton Legal

5313 4999

Law Firm Specialising in Family & Criminal Law

www.boughtonlegal.com.au

CCIQ

1300 731 988

Chamber of Commerce & Industry Queensland

www.businessenterprisecentresunshinecoast.org.au

Certitude Life Coaching

0408 827 116

Life Coach

www.certitudelifecoaching.com.au

ChemDry Suncoast

1300 793 544

Domestic & Commercial Upholstery & Carpet Cleaning

www.suncoast.chemdry.com.au

Chess Preventative Solutions

0403 116 038

Incident Management in your Workplace

www.chessinvestigations.com

Chilli Fire Services

0412 961 872

Fire Safety Training

www.chillifire.com.au

Conservation Volunteers

0404 828 921

National Wildlife Conservation Programs

www.conservationvolunteers.com.au

Devine Legal

5479 1006

Law Firm Specialising in Workplace Relations

www.devinelegal.com.au

Dryden and Associates

5471 3377

Accounting and Business Advisory

www.drydenassociates.com.au

Element on Coolum Beach

5455 1777

Holiday Accomodation

www.elementoncoolumbeach.com.au

Expandasign Australia

1300 720 058

Banners, Flags & Marquees

www.expandasign.com

EYEWITNESS Security Cameras

1800 030 904

Security Cameras, Video Surveillance Systems

www.eyewitness.net.au

Ezy VA

1300 785 245

Outsourcing Service

www.ezyva.com

FC Education

1300 887 017

Fitness Education & Training Courses

www.fceducation.edu.au

Forbes Chatham Insurance

5439 1900

Personal & Business Insurance

www.forbeschatham.com.au

Fuji Xerox

5451 7333

Photocopiers & Multi Function Printers

www.fxbcsc.com.au

Fultilt Excavations

0456 864 948

Excavation Specialists

bec@fultiltexcavations.com

Grant Goodrum Century 21 Coastal

0413 282 274

Property Sales Consultant

www.century21.com.au/caloundra

Harlequin Blinds & Security

5476 9888

Blind Suppliers

www.harlequinblindsandsecurity.com.au

Haycroft Workplace Solutions

1300 766 380

Workplace Solutions

www.haycroft.com.au

Home & Away Catering

5492 8536

Catering Services

www.homeandawaycatering.com.au

HRM Contracting & Consulting

1300 962 258

Human Resource Management and Recruitment

www.hrmcc.com.au

Immanuel Lutheran College

5477 3441

P-12 Co-Educational School

www.immanuel.qld.edu.au

Impact Insurance

5450 6174

General Insurance

www.impact-insurance.com.au

Inhale.com.au

1800 230 042

Great Websites

www.inhale.net.au/digital-marketing-sunshine-coast

Innovate Media

5450 2715

Video Production Solutions

www.vlogpod.com.au

Insolvency Administration Services

5343 1104

Administration Process for Debt Agreements

www.insolvencyadminservices.com.au

IRT

1800 024 915

Senior Lifestyle & Care Providers

www.irt.org.au

Jaz Renovations & Constructions

0452 558 788

Home Construction & Renovation

www.facebook.com/JazRenovations

Joyful Growth

0499 982 569

Occupational Therepist

www.joyfulgrowth.com.au

Living Valley Springs

1800 644 733

Health Retreat

www.lvs.com.au

Loan Wize

5443 6522

Mortgage Brokers

www.loanwize.com.au

Michael Flegg

0422 011 241

Design/Advertising & Multi Media

www.michaelflegg.com

Mortgage Choice

5476 9333

Local Home Loan Expert Linda Ireland

www.mortgagechoice.com.au

Ocean Orthodontics

5493 3200

Orthodontic Specialist

www.oceanorthodontics.com.au

O3 Office

13000 14000

Bookable Boardrooms, Office Suites & Training Rooms

www.o3office.com.au

OJ Networks

5329 3200

IT Support

www.ojnetworks.com.au

Ord Minnett

1800 221 697

Financial Advisors

www.ords.com.au

Partnersinsync

0421 204 578

Partnership Specialist

www.partnersinsync.com

Phperfect

1300 112 220

Chemical and Toxin Free Water

www.phperfect.com.au

Pickering Accounting (Bookkeeper)

0401 717 630

Bookkeeping

www.pickeringaccountingservices.myob.net

Pomo

5441 6605

Creative Agency

www.pomo.com.au

Prime Radio Group

5475 1911

Radio Station

www.hot91.com.au

Pro Computers

5441 1522

Computer Specialists

www.procomputers.com.au

Queensland Bookkeeping Services

0427 745 944

Bookkeeping

www.queenslandbookkeepingservices.com.au

Queensland Trade Print

5493 7900

Superior Trade Printing Services

www.qldtradeprint.com.au

Rangla Punjab Indian Restaurant

5443 1168

Indian Take-Away & Dine In Restaurant

www.ranglapunjab.com.au

Regatta One Business Centre

5413 9200

Serviced and Unserviced Executive Offices

www.reggata1.com.au

Rejuvenate Marketing

0410 584 537

New/Rejuvenated Websites & Services

www.rejuvenatemarketing.com.au

Robyns Bookkeeping

0418 118 371

Bookkeeping Solutoins

robyn@robynsbookkeeping.com.au

Rumba Room Events

5491 6001

Function and Conference Facilities

www.rumbaroomevents.com.au

Sasir

0455 227 987

Small Business Advisor

www.sasir.com.au

Savvy Business Sales

5444 3300

Business Sales

www.savvybusiness.com.au

See Restaurant

5444 5044

Waterfront Seafood Restaurant

www.seerestaurant.com.au

Suncoast Cabs

131 008

Sunshine Coast Taxis

www.suncoastcabs.com.au

Sunshine Coast Antenna Services

1300 736 888

Digital Tv Antenna Specialists

www.sunshineantenna.com.au

Sunshine Coast Buyers Agency

0439 990 399

Property Buying Agents

www.sunshinecoastbuyersagency.com.au

Sunshine Coast Coffee Roastery

1300 729 343

Corporate Coffee Solutions

www.corporatecoffee.com.au

Sunshine Coast Grammar School

5445 4444

Independent Co-educational School

www.scgs.qld.edu.au

Target Training

5452 7722

Fully Funded Training Courses

www.facebook.com/targettrainingsunshinecoastwidebay

Tint-a-Car Maroochydore

5443 6166

Car Tinting

www.tintacar.com.au

The Lateral Group

5438 8630

Chartered Accountants

www.lateralgroup.com.au

Think Money

5430 4777 or 1800 RING ME

Property Investment and Wealth Creation

www.thinkmoney.com.au

Topdeck Insurance and Finance Solutions

0408 006 961

Insurance and Finance Solutions Specialists

sue@topdeckfinancialsolutions.com.au

Visa and Immigration Solutions Australia

0407 930929

Visa and Immigration Solutions Australia

www.visa.net.au

Wealthmed

1300 887 137

Intergrated Financial Planning for Medical Practitioners

www.wealthmed.com.au

Unique Solutions for Your Business QLD FIRE COMPLIANCE Fire Training Warden Training Fire Safety Advisor Evacuation Diagrams Fire & Evacuation Plan & Procedures Manuals Extinguisher Maintenance, Emergency Lighting Testing

 Cloud based solutions: including Saasu, Xero and Myob  Accurate  Professional  Friendly  Mobile  20 Years experience  Conversions  System Set up  Registered BAS Agent  Member of The Institute of Certified Bookkeepers A great bookkeeping system can improve your business!

Phone Teresa Durie 0412 961 872 www.chillifire.com.au QBCC 1204585

Robyn's Bookkeeping Solutions

Cheap!

Cheap!

A Frame Signs Going Cheap!

Wayne or Lesli Knetter: 5442 3341

Robyn Etheridge 0418 118 371

robyn@robynsbookkeeping.com.au

wayne@4cp.com.au A DYNAMIC MODERN EXECUTIVE ENVIRONMENT

Need help?

IS IT TIME YOU LEFT HOME?

> To better manage anxiety or depression? > To manage at home, get back into activities or return to work? > To learn strategies to relax and manage stress?

For yourself, or someone that you love.

 Fully serviced or totally un-serviced executive offices  We do as much or as little as you need  Board and meeting room hire  Latest technology  Virtual Office

I’m more about doing than talking...…

Belinda Bull > Occupational Therapist with 25 years experience in mental health

www.regatta1.com.au

0499 982 569 www.joyfulgrowth.com.au

megyn@rejuvenatemarketing.com.au

 Online Marketing Strategies  Social Media Management  Websites

In business, marketing counts!

Visit www.rejuvenatemarketing.com.au

Just ask Megyn Carpenter,

Ground Floor, Regatta Corporate Building 2 Innovation Parkway, Birtinya Sunshine Coast, QLD - (07) 5413 9200

LEADERSHIP WORKSHOP #3

The 5 Marketing Magnets for Small Business Success Mooloolaba, 24 July 2014 9.00 to 11.30am Limited Number of Free Tickets Acclaimed Guest Speaker Register Now!!

Phone Austin 0419 701 608 Email austin@austinparry.com

, n o ti a r la i h . x n e o i ive ticat r d t is Tes soph and

Experience the best of Audi first hand at The Audi Sport Roadshow, the Sunshine Coast.

Audi Centre Sunshine Coast would like to extend you an exclusive invitation to experience Audi’s high performance technology. From 19/06/2014 to 26/06/2014, The Audi Sport Roadshow 2014 will be coming to the Sunshine Coast - and Audi’s most exhilarating and sophisticated models will be available for you to test drive. It’s a rare opportunity so don’t miss out.

Audi Sport Roadshow ends 26th June. Book now at Audi Centre Sunshine Coast to avoid disappointment.

686-692 Nicklin Way, Currimundi | Tel. 5493 8000 | audicentresunshinecoast.com.au Overseas model shown.