Breaking Barriers:
APN and Women in Painting Champion
First Nations Opportunities in Trades
Top Record Keeping Tips for Tradie Businesses
The right tradie project management tools can make a big difference What Are the Legal Requirements to Start a Business in Australia? 17 ways to get
Build goodwill and positive word of mouth.
From the Editor
Hey Everyone,
Welcome to the 144th issue of the Aussie Painting Contractor Magazine.
It’s here and already a month down.
No rest for the wicked as they say, well not after a month’s break. I hope you all had the opportunity to relax and spend quality time with your families.
Bring on 2025, APN are hitting the ground running with the launch this month of our Women in Painting initiative. If you are around Brisbane on the 21st of February, come on down to our offices at Salisbury to meet and greet the team. We have many industry representatives coming for the day.
Our Painting Your Career Program is about to hit the ground running with us expecting over 30 participants coming in to participate in the program. If you haven’t already had a look at what we are doing check out page 10 for all the information.
Over the next month, I am going to be traveling around Qld training apprentices. I will be in Hervey Bay, Rockhampton, Mackay, Proserpine and Airlie Beach. If you want to catch up for a chat, send me a message and we can organise a time that suits. If you have apprentices in those areas and would like me to train them let me know.
'Til next year, Happy Painting!!
Nigel Gorman
nigel@aussiepaintersnetwork.com.au
CONTRIBUTORS
• Carol Maher
• Caroline Miall
• Christina Boedker
• Jing Jia
• Karen Handley
• Leo Babauta
• Nigel Gorman
• Nirmala Nath
• Oliver Kay
• Rachel Curtis
• Robert Bauman
• Sandra Price
• Ty Ferguson
• Zhongtian Li
EDITOR
Nigel Gorman
GRAPHIC DESIGNER
J. Anne Delgado
When Your Mind Can't Let Go
Breaking Barriers: Aussie Painters Network and Women in Painting Champion First Nations Opportunities in Trades How can I navigate my business through the cost of living crisis?
From bean-counters to cyber-sleuths: How accountants are a frontline defence against online crime
What Are the Legal Requirements to Start a Business in Australia?
Top Record Keeping Tips for Tradie Businesses
Building a Better Business
Addressing Employment Shortfalls in the Construction Industry
17 ways to get REPEAT BUSINESS
How to Actually Create Meaningful Life Changes This Year
Legal Expense Insurance FOR SOLE TRADERS
Switching off from work can be difficult but taking a proper break is good for your health
Opinions and viewpoints expressed in the Aussie Painting Contractor Magazine do not necessarily represent those of the editor, staff or publisher or any Aussie Painters Network’s staff or related parties. The publisher, Aussie Painters Network and Aussie Painting Contractor Magazine personnel are not liable for any mistake, misprint or omission. Information contained in the Aussie Painting Contractor Magazine is intended to inform and illustrate and should not be taken as financial, legal or accounting advice. You should seek professional advice before making business related decisions. We are not liable for any losses you February incur directly or indirectly as a result of reading Aussie Painting Contractor Magazine. Reproduction of any material or contents of the magazine without written permission from the publisher is strictly prohibited.
When Your Mind Can't Let Go
Sometimes your mind can get fixated on something, and it just won’t let go. For some people, this happens a lot — sometimes more than they realize.
• How can you tell if your mind won’t let go of something? Some signs:
• You won’t let go of an argument
• You’re known for always wanting to be right
• You replay conversations in your mind, arguing internally
• You stew over an offense for a long time
• You hold grudges
• You get frustrated a lot because things aren’t the way you like them
• People get tired of you complaining or being frustrated by the same things over and over
• You regret things strongly, and wish you could go back and redo key moments of your life
• You can’t forgive yourself for things you’ve done
A mind that fixates is a human thing, but if you’re unable to let go, your mind becomes more and more rigid.
And this can affect your relationships, your ability to focus on the present moment, and your happiness.
I’m not saying that this tendency to fixate the mind is a bad thing. There’s a strength to it, a protectiveness, a fire. But what if you want to have a more fluid mind, and let go? Maybe for a bit of peace of mind?
Let’s look at how to let go.
Why the Mind Fixates
Let’s start with why the mind fixates on something in the first place. Let’s assume it’s not because the mind hates your happiness, or is dumb.
The mind desires things the way it wants things to be — and that desire is completely natural. We want things the way we like them. The fixation comes when we get strongly attached to things being the way we want them to be.
Why would we become strongly attached?
Because of fear — we’re afraid that if things aren’t the way we want them to be, then we won’t be OK.
For example:
If I’m wrong about an argument, then my fear might be that people will think I’m dumb
If I don’t defend myself against someone else’s criticism, then my fear might be that I’m not a good person (or won’t be seen as a good person)
If I don’t hold on to a grudge or resentment, then my fear might be that people will just walk all over me and disrespect me
If I am frustrated about things not being the way I want them, then my fear might be that if thing aren’t that way, I won’t have control over a scary situation
Do any of these sound familiar? Your mind’s fear might be in one of those. Or maybe there’s another fear — but it’s likely fear that you won’t be OK for some reason.
How to Let Go
Knowing why our minds fixate — because of fear — might help us to understand how we can start to let go.
We have to first simply acknowledge the fear. We’re afraid we won’t be OK. That’s an understandable fear to have! It’s totally OK to have that fear, and to have a mind that’s fixated because of it.
Next, we might ask, “What does my fear need, in order to feel that I’ll be OK?” The first reaction might be: “I need things to be the way I want them to be!” Which is, of course, the belief underlying the mind’s tendency to attachment.
But what if you didn’t need things to be that way, in order to be OK? What if you could trust that you’ll be OK no matter how things turn out?
If you can believe in that … then what would your fear need to feel that you’ll be OK? For me, I simply need a deeper breath, a little presence, and a little love.
Then I don’t need for things to be any way.
Leo Babauta ZEN HABITS
Breaking Barriers: Aussie Painters Network and Women in Painting Champion First
Nations Opportunities in Trades
Diversity in all its forms is simply good for business. A variety of perspectives fosters richer discussions, smarter decisions, and better results for all. Aussie Painters Network and the Women in Painting initiative actively support inclusion for a great many reasons; mostly to provide opportunities and brighter futures for as many people as we can. We are committed to fostering diversity and inclusion in the painting and decorating industry as a core part of our mission and supporting First Nations candidates and apprentices has been one of the most inspiring and rewarding of our efforts to date, ensuring a growing access to training, mentorship, and career pathways in the trades.
Strengthening Opportunities Through Training
One of the key avenues for engagement in recent months has been through Skills for Queensland (SQW) programs in partnership with Bric Housing and MEGT. These participants are now taking up promising work placements, leading to full time apprenticeships. We are also excited to welcome local first nations schools Hymba Yumba and The Murri School to our Painting Your Career Schools to Work Transitions Program in coming weeks. These initiatives are providing practical, hands-on training that equips participants with the necessary skills to enter the workforce with confidence. By focusing on accessible training and employment pathways, these programs are helping to create sustainable career opportunities for Indigenous school leavers, apprentices and job seekers.
Supporting Indigenous Women in Trades
Women in Painting actively encourages First Nations women to explore careers in the painting and decorating trade and are proud to work with Indigenous Women in Trades with a view to future collaborations. Through targeted outreach, mentoring, and training programs, we are working to increase female participation and break down barriers that have traditionally hindered women’s entry into the industry.
Networking and Community Connections
Engagement doesn’t stop at training—creating a network of support is crucial for long-term success. The Women in Painting and APN regularly participates in Black Coffee networking events, which serve as a vital platform for connecting Indigenous businesses, and bringing together small business and community. These gatherings provide an opportunity to share experiences, collaborate, and build strong professional relationships.
The Path Forward
Aussie Painters Network and Women in Painting remain dedicated to creating meaningful change in the industry. By expanding access to training, supporting Indigenous-led initiatives, and fostering strong professional networks, we are helping to build a future where First Nations apprentices and tradespeople thrive.
As we continue this journey, we welcome collaborations and partnerships that align with our mission of inclusivity, empowerment, and opportunity for all. Together, we can ensure that the painting and decorating industry is a place where diverse talent is celebrated and supported.
Caroline Miall info@WomenInPainting.com.au
www.WomenInPainting.com.a
How can I navigate my business through the cost of living crisis?
So, we’re officially in the thick of a cost of living crisis. Many businesses are feeling the pinch with all the new challenges it presents.
If you’ve had sleepless nights worrying about how you’re going to pay your suppliers or support your staff, you’re not alone. It’s likely you’ve already looked at where you can cut costs, but it seems like an impossible task when suppliers are raising their own prices.
But, don’t despair just yet! There are strategies to stretch your dollar further, and they’re not always about trimming expenses.
Regularly review your costs
Knowing exactly where and when money is coming out of your business, is the first step to seeing where you can save costs. You could be paying for services you don’t even use, or simply aren’t worthwhile.
Check your statements with a fine-tooth comb By going over your accounts in detail, you might find
payments coming out that you had forgotten about, e.g. for subscription services you no longer use. Even if it only saves a tiny amount each month, these costs add up over time and the cash could be better spent elsewhere.
Take it one step further and ask yourself if the products or services you pay for add value for your business.
Be on the lookout for deals
Once you’ve got a clear idea of your costs, work out whether your money is going as far as it can for the services you need. When was the last time you reviewed your providers? Can you negotiate a better rate? Could you get a better deal by going elsewhere?
If you’re a single-person business, you also might be able to get better rates. Many software companies have much cheaper individual plans, so it’s worth double-checking you’re taking advantage of your one-man-band status.
Look at ways to bring more money into your business
We’ve explored the topic of outgoing expenses, but there’s another approach to enhancing your cash flow – bolstering your sales and generating more revenue, a strategy with a longer-term impact.
Amp up your marketing efforts
It might seem counterintuitive to spend more when you’re looking to save, but investing in marketing can yield profitable results in terms of increased sales. There will be short-term costs, but in the long run, effective marketing can substantially contribute to a positive cash flow.
Manage your receivables effectively
Nobody enjoys chasing after debts, yet doing so can significantly boost your business, especially in challenging times. Here are some ways to streamline the process:
• Implement a payment gateway system like Stripe for invoice collection.
• Make it as easy as possible for people to pay you by ensuring your bank details are clear on each invoice.
• Enable invoice reminders via your accounting software.
• Consider asking clients for an upfront deposit or partial payment.
• Implement a strict debtors policy and make sure all staff are aware of it.
• Make any cut backs strategically
Resist the urge to indiscriminately slash expenses. Cutting back in the wrong areas might hinder your business’ growth. Make it a priority to retain your staff, exploring other areas to trim costs or increase revenue instead.
Reevaluate your pricing
If sales volume is a challenge, consider adjusting your pricing strategy. As inflation rises and suppliers hike prices, it’s crucial to respond accordingly or risk bearing the brunt of the impact.
Keep an eye on external influences
You can’t control everything about your business. Stay aware of external factors that might impact the way buyers behave..
Understand your customers
During uncertain times, empathy goes a long way. Understanding your customers’ fears and concerns can
inform strategies to drive sales. Depending on their situation, you might be able to offer more services or adjust prices without adverse reactions.
Keep an eye on your competitors
Do you know how competing businesses are coping with the cost of living crisis? Can you see what kind of strategy they’ve adopted? Understanding their strategies can provide insights about your place in the market and potential customer perceptions.
Use the situation to your advantage
There’s a silver lining in every cloud. Reduced sales? Use this time to review and streamline your business processes. Examine the reasons for changing sales patterns and adapt accordingly.
Rely on the numbers
Making decisions based on accurate up to date financials is more important than ever. Use actual business data to create your strategies, not assumptions. Don’t create a strategy based on what you think is happening, but on what is actually happening.
As the saying goes, “the numbers don’t lie”. Before making decisions, know your numbers!
In an unstable economic and consumer landscape, your data remains a reliable constant. Accurate, indepth financial data is crucial to making informed business decisions.
Working closely with your business partners is a game changer
A good bookkeeper and accountant can provide the right solutions at the right time. Their expertise on your business can be instrumental in improving its financial health. They can help interpret the numbers, understand the situation, and guide your future steps.
For further support through the cost of living crisis and beyond, feel free to contact us on 0468 944130. We’re here to assist!
Top Record Keeping Tips for Tradie Businesses
If you’re a tradie or contractor, it can be challenging to manage a hectic schedule and complex projects, all while ensuring your paperwork, documents, and contracts are in order. It’s important to keep a paper trail of your work and practice due diligence. Of course you can also choose to go all digital, which is an accepted method of record keeping by the ATO these days. Keeping all your working documents in order shows that you treat your business, customers, and subcontractors responsibly. This is not only a mark of professionalism but can also help you if you have an insurance or legal claim to deal with.
Contractor paperwork documentation and procedures
If you haven’t already, you should develop documentation and record keeping procedures that are appropriate for your contracting operation or service.
Once procedures are in place, it’s equally important to ensure that everyone understands and follows the procedures. It’s good practice to hold a workshop on documentation procedures with your employees and have them sign off that they understand and have copies of the procedures.
For painting or construction jobs, some of the documents that may be obtained and maintained as part of your documentation procedure include:
• Project tenders/estimates
• Contracts or work orders
• Duty to perform documents
• Site inspection forms
• Tests on work completed
• Documentation for materials delivered to the site
• Documentation of your risk services assessment
• Certificates of insurance from your subcontractors
Using Digital Tools and Software
Implementing project management and documentation software can significantly reduce the time spent on paperwork. These tools can help in tracking project progress, managing invoices, and storing important documents securely in the cloud for easy access from any location.
There are many options on the market and it’s unlikely that a single piece of software will meet all of your project management needs. Companies usually combine a few applications to create a custom solution.
This is why we recommend choosing project management tools that integrate nicely with the parts of your setup that don’t need changing.
What to look for
Real-time
reporting capability
Effective project management requires up-to-date information. Without this, you won’t be able to make important decisions unless you rely on guesswork, which isn’t a good way to do things.
The best project management tools for the construction industry offer instant reporting.
Accessibility
Your data must be as accessible as possible. The best construction project management tools are cloud/ web-based, which makes them accessible from virtually anywhere in the world.
Good Support
You’ll inevitably encounter hiccups when incorporating even the best specialised project management tools. That’s why you should look for programs from companies with reliable customer support.
Security
Your data is very valuable and sensitive. Project management tools and techniques should reflect this. Before you incorporate any software into your workflow, research the company behind it, their terms of use, and what security measures they implement to keep your company’s data private.
Tradie project management tool checklist
Here are questions to ask yourself once you’ve narrowed your options using the above criteria.
• Does the software come with enough licences for my company?
• Can I use the tool on multiple devices?
• Does the software have several positive reviews?
• Will the company demo its software for my company?
• Can my current data be easily transferred to this new software?
• Do partner companies use the same software or a program that integrates well with this one?
The right tradie project management tools can make a big difference to your company and its productivity. We hope this helps identify the best picks and what you must consider when evaluating them.
Get in touch with us if you have any questions about how to set up the best record keeping procedures? Call my office on (07) 3399 8844, or just visit our website at www.straighttalkat.com.au and complete your details on our Home page to request FREE Business Systems Health Check.
Please Note: Many of the comments in this article are general in nature and anyone intending to apply the information to practical circumstances should seek professional advice to independently verify their interpretation and the information’s applicability to their particular circumstances.
Copyright © 2025 Robert Bauman.
From bean-counters to cyber-sleuths: How accountants are a frontline defence against online crime
Once considered to be simply “bean counters”, accountants now play an important role in the defence, investigation and protection against cybercrime.
Modern cybercrime includes stealing personal information, hacking into systems, spreading viruses and tricking people into giving away money or data via their business email addresses.
In Australia, the average cost of a single cybercrime report in 2022 was A$39,000 for small businesses, $88,000 for medium businesses and $62,000 for large businesses.
In New Zealand, direct financial losses from cybercrime reached NZ$6.6 million in the first quarter of 2025.
Although there is general guidance on cybersecurity, there is limited information about the specific role accountants can play in its detection and prevention.
Traditionally focused on financial elements of a business, accountants are often now the frontline of responding to cybercrime.
Our research examined the role of accountants in cybersecurity and how professionals in these roles can protect businesses from online threats.
From safekeepers to data gardeners
As the keepers to sensitive data, including tax records, payroll information and business transactions, accountants can play an essential role in reducing the impacts of cybercrime.
We conducted 21 interviews with management accountants, cybersecurity experts, legal professionals and senior executives in Australia and New Zealand.
Our findings highlight the following roles accountants can take.
Safekeepers
We found accountants are on the frontline of protecting their organisations from various forms of cybercrime, such as business email compromises.
Many interviewed accountants described how they carefully reviewed email content and attachments, verified the legitimacy of senders, and checked domain names to prevent fraud. They also reported confirming details with email contacts before taking action.
Beyond emails, accountants controlled access to sensitive systems and data. For example, interviewees said their jobs involved ensuring only authorised employees had access to financial records or payroll systems.
By integrating cybersecurity practices into their daily work, accountants helped reduce the risk of cybercrime.
Architects
Accountants didn’t just protect data – they helped strengthen cybersecurity through strategic decisions.
According to our interviewees, accountants often worked with their organisation’s IT team to decide on cybersecurity investments. Using their financial expertise, accountants conducted cost-benefit analyses to ensure limited budgets are spent wisely.
Additionally, they played a crucial role in strengthening cybersecurity by making strategic decisions in areas such as risk identification, risk management strategies, risk coverage and premiums for cyber insurance.
Cyber insurance helps cover costs such as fixing
tems, notifying customers about the breach and even dealing with legal claims.
As one research participant explained, accountants can assist the business leadership in answering crucial questions posed by insurers. These can include queries such as:
What risk you are trying to mitigate? And what sort of risk management you have for cyber security. What kind of risk management in cybersecurity have you got? Have you got proper encryption and do you know whether it is hardware or software encryption?
Data gardeners
Accountants play a key role in helping organisations develop data policies. These policies establish rules and guidelines for managing data, such as how long to retain information, how to protect it and when to delete it.
Why is this important? Retaining unnecessary data increases the risk of a data breach.
Accountants leverage their financial expertise to demonstrate how reducing stored data can minimise risks while still retaining valuable information. For example, they might recommend deleting outdated payroll records or customer data that no longer serve a business purpose.
Importantly, data policies also help organisations comply with privacy and data security regulations, which are becoming increasingly strict across Australia and New Zealand.
Staying vigilent
As cybercrime evolves, accountants must stay up to date. Interviewees recommended several ways to do this, including participating in training courses, forums and seminars.
Courses on cybersecurity, programming and emerging technologies like artificial intelligence (AI) were highlighted as particularly valuable. These courses help accountants better understand how to manage systems, protect data and respond to new forms of cybercrime.
In-house training tailored to accounting and finance teams is also crucial. Simulated cyberattacks – like phishing emails or fake invoice fraud – help accountants recognise and respond to threats in real-world scenarios.
To remain effective in this changing landscape, accountants need to keep learning. By building their technical knowledge and participating in tailored training, they can continue to protect their organisations from the ever-evolving world of cyber threats.
Authors
Zhongtian Li
Senior Lecturer, Business School, University of Newcastle
Christina Boedker
Professor, Business School, University of Newcastle
Jing Jia
Senior Lecturer, Business School, University of Newcastle
Karen Handley
Senior Lecturer, Business School, University of Newcastle
Nirmala Nath
Senior Lecturer, School of Accountancy, Te Kunenga ki Pūrehuroa
– Massey University
What Are the Legal Requirements to Start a Business in Australia?
A Step-by-Step Guide to Starting Your Business Right
Starting a business in Australia is an exciting journey, but understanding the legal requirements for businesses in Australia is crucial to your success. Whether you’re launching your first venture or expanding an existing idea, getting the legal essentials right will save you time, money, and potential headaches later on.
Think of this as your ultimate legal checklist for businesses. It’s not about overwhelming you with jargon; it’s about giving you clear, actionable steps to lay the foundation for a solid and successful business. From registering your business name to protecting your intellectual property, we’ve got you covered. Here’s everything you need to know to start a business in Australia the right way.
1. Choose the Right Business Structure in Australia
One of the first decisions you’ll make is choosing the legal structure of your business. This is a crucial step because it impacts everything from your tax obligations to personal liability and even how you can raise funds. Your options include:
• Sole Trader: The simplest structure, where you operate as an individual. This is perfect for small, low-risk businesses or freelancers who want full
control over their operations. However, keep in mind that as a sole trader, you’re personally liable for all debts, which means your personal assets are on the line.
• Partnership: A business shared between two or more people. Partnerships are great for combining skills and resources, but they require a clear agreement to avoid disputes. Like sole traders, partners are personally liable for the business’s debts, so it’s important to establish terms in writing.
• Company: A more complex structure, which is a separate legal entity. This means the company itself is liable for its debts, not you personally. While companies offer limited liability, they come with stricter regulatory requirements and higher costs, such as company tax rates and annual reporting to ASIC.
• Trust: A structure where a trustee manages business assets for the benefit of others (the beneficiaries). Trusts are commonly used for family businesses or to protect assets. However, they can be complex to set up and manage, requiring a trust deed and careful administration.
Each structure has its pros and cons, affecting everything from taxes to your personal liability. It’s worth getting legal advice to pick the right one for your goals and ensure you’re set up for success. A trusted commercial lawyer can help you navigate the options and understand the implications of each structure.
2. Register for an ABN in Australia
Every business in Australia needs an Australian Business Number (ABN). This is a unique 11-digit identifier that makes it easier for you to interact with the government and other businesses. You’ll need it for things like invoicing, registering a business name, and claiming GST credits.
Registering for an ABN is free, and you can do it online through the Australian Business Register.
3. Register Your Business Name
Unless you’re trading under your own name (e.g., Jane Smith), you’ll need to register your business name with ASIC (Australian Securities and Investments Commission). This ensures no one else can operate under the same name and provides legal protection for your brand.
Pro tip: Before committing to a name, check its availability on ASIC’s website and consider securing related domain names to ensure consistency across your online presence. This step can save you from future headaches, like discovering your perfect name is already in use!
4. Tax Obligations for Starting a Business in Australia
Taxes might not be the most thrilling part of starting a business, but getting them right is crucial. Here’s a quick rundown:
• Tax File Number (TFN): If you’re a sole trader, you can use your personal TFN. Companies will need to apply for their own TFN.
• Goods and Services Tax (GST): If your business expects to earn $75,000 or more annually, you must register for GST.
• PAYG Withholding: If you have employees, you’ll need to set up Pay As You Go (PAYG) withholding to manage their tax obligations.
Consulting an accountant or lawyer can help you navigate these requirements with confidence.
5. Check Licences and Permits for Australian Businesses
Depending on your industry, you might need specific licences or permits to operate legally. Licences ensure that your business complies with safety, health, and regulatory standards. Here are some examples:
• Café owners: Need food handling permits to meet hygiene and safety standards.
• Builders: Require construction licences to ensure
work meets national building codes and safety regulations.
• Retailers: Might need permits to sell restricted items like alcohol or tobacco.
• Online businesses: Could require specific e-commerce or digital platform licences, depending on the nature of their products or services.
To determine the licences or permits you need, use the Australian Business Licence and Information Service (ABLIS). This handy tool provides tailored information based on your location and business type. Taking the time to check your requirements upfront can save you from costly fines or interruptions to your operations down the line.
6. Protect Your Intellectual Property in Australia (IP) Your business name, logo, and unique products or services are some of your most valuable assets, and protecting them is crucial. Without proper protection, you could find yourself in a costly dispute or even lose the rights to your intellectual property. Here’s how you can safeguard what makes your business unique:
• Register Trademarks: Your business name, logo, and taglines can be trademarked to ensure that no one else can use them without your permission. This gives you exclusive rights and prevents competitors from riding on your brand’s success.
• Patent Your Innovations: If your business involves unique products or processes, applying for a patent ensures your innovation is protected. This means others can’t use, make, or sell your invention without your consent.
• Leverage Copyright: For original works like designs, content, or software, copyright protection safeguards your creative assets automatically upon creation. Consider registering for additional legal certainty.
• Create Confidentiality Agreements: If you work with suppliers or collaborators, ensure they sign non-disclosure agreements (NDAs) to keep your ideas and trade secrets safe.
Taking these steps early can save you significant time, money, and stress in the future. Remember, protecting your IP isn’t just a legal formality—it’s an investment in the long-term success of your business.
7. Get the Right Insurance Insurance isn’t just a safety net—it’s a legal requirement in some cases. Common policies include:
• Public Liability Insurance: Protects against claims of injury or property damage.
• Workers’ Compensation: Mandatory if you employ staff.
• Professional Indemnity Insurance: Essential for service-based businesses.
Speak with an insurance broker to ensure you’re fully covered.
8. Set Up Contracts for Clients and Suppliers
Clear, well-drafted contracts are your best defence against disputes and misunderstandings. These documents serve as a roadmap for your business relationships, ensuring everyone knows their responsibilities and what to expect. Here are some key elements to include:
• Expectations and Deliverables: Clearly outline what each party will provide, including timelines, standards, and specifications.
• Payment Terms: Specify payment amounts, methods, and due dates to avoid any ambiguity or late payments.
• Dispute Resolution: Include a clause on how disputes will be resolved, such as mediation or arbitration, to minimise costly legal battles.
• Termination Clauses: Define the conditions under which the agreement can be ended by either party.
Tailored contracts are not just about avoiding legal issues; they also build trust and professionalism with your clients and suppliers. A commercial lawyer can work with you to craft contracts that align with your business goals, reflect your values, and offer you the protection you need.
9. Understand Privacy and Data Protection Laws
In today’s digital world, protecting customer data is not just a legal requirement—it’s a critical part of building trust with your clients. If your business collects, stores, or processes personal information, you’ll need to comply with Australia’s privacy laws under the Privacy Act 1988.
Know Your Obligations for Data Breaches: If a data breach occurs, you may be required to notify affected individuals and the Office of the Australian Information Commissioner (OAIC).
Taking these steps doesn’t just help you avoid fines— it also shows your customers that you value their privacy and are committed to safeguarding their personal information. For more tailored advice, consult a legal professional to ensure your practices meet all compliance requirements.
The Bottom Line
Starting a business in Australia is an exciting journey filled with opportunities, but it’s also one that requires planning and compliance with legal requirements.
Whether it’s choosing the right business structure, protecting your intellectual property, or navigating tax obligations, setting up a strong legal foundation is key to long-term success.
At Rise Legal, we understand that the legal side of starting a business can feel overwhelming. That’s why we’re here to simplify the process and provide personalised support tailored to your unique goals.
From drafting airtight contracts to ensuring your business complies with Australian laws, we’re with you every step of the way.
�� Ready to take the stress out of starting your business? Let’s chat about how we can help you set up for success! contact Rise Legal today for a free, no obligation consult to get started.
Remember, while this information provides a general overview, legal advice that is tailored to your specific circumstances is invaluable. Don’t hesitate to contact Rise Legal for personalised guidance or book in a free Discovery Call.
Disclaimer: This blog post is intended for informational purposes only and should not be considered legal advice. Consult with a qualified commercial lawyer for personalised advice related to your specific circumstances.
Building a Better Business
The key stabilizing force in business is 'Networking' or 'Business Relationship Building.' I prefer the terms 'business relationship marketing' or 'business relationship building' since 'networking' is often associated with multi-level marketing or computer systems.
Not only do we need friends and supporters in our personal lives, we also need them in business. There are several reasons for this, and several types of relationships that need to be built.
Making money isn't always the reason. If you are currently in business you know the going can get tough and it's the community and relationships you build around you that can make the difference between keeping your doors open or having to close them. Another primary reason for relationship building is mutual support and contribution – education and guidance you both give and receive. Every person you meet has something to teach you. Likewise, you have something to teach them.
Sometimes, it can be a good idea to get clarity about where you are in your business by making a list of the peripheral people that help, edify, teach, refer, or otherwise help you to grow your business. Who are the people who believe in you and are willing to tell you the truth even when you may not want to hear it? These are your business friends. These people are a very important foundation for your business, especially if you are in small business. People used to refer to the 'old boys network', and that is just what relationship building is all about.
The most important thing in business is your attitude and the extent of your daily communication skills. This will show how you maintain your integrity and reputation. Consider all your business communications as a stepping stone to not only the person you are communicating with but all the people they know as well.
Word of mouth is a powerful tool to harness. Referral is the easiest way to build a good and solid foundation for any business, and the repeat business that comes from it strengthens it. It is far easier (and cheaper) to keep an existing client than look for a new one!
Nurture the opportunities that come your way by providing something of value. It never hurts to be the first person to put something on the table. It builds trust in a world where trust is often challenged. While you do need to look after your cash flow, it can be a good idea to sometimes consider opportunities that won't make money, because sometimes these opportunities build dynamic pathways to larger financial avenues.
Let's consider the possibilities for you to find and build more business relationships. What organisations do you belong to, discussion lists, open forums, breakfast networks etc? I've heard too many times from business owners that they do not have time to join groups and ‘socialise’. Believe me,you don't have the luxury not to, especially if you have a small business. It's not only necessary...it's vital.
The most important business-building tool is your business card. This is your shop window. It may be the one thing that makes someone contact you. I am surprised at the numbers of people who either don't have a business card or don't present professionally or don’t have the proper information on them. Your card must give all your contact details as well as information of what you do and what services you offer.
Another way to support your business is to find someone whom you trust to give the same service and professionalism as yourself, who has a complimentary business. You can then support each other in what we call co-operative business building. This is very effective and time saving.
If you haven't already started to build your network, it's time to locate the organisations in your industry and start making friends. It will pay you back one hundred fold. Building relationships in business is in effect building your business, so consider it time well spent and get started today!
Addressing Employment Shortfalls in the Construction Industry
Having been an employer of apprentices, and now working as a trainer, mentor, and business coach for painting businesses, I have a well-rounded understanding of the industry's workforce challenges.
The Government is currently trying to increase apprentice numbers by offering incentives directly to apprentices. However, I believe this approach is misguided. The real issue isn’t a lack of interest from apprentices—it’s that employers simply can’t afford to take them on without financial support.
A first-year apprentice under 21 costs an employer approximately $17 per hour plus entitlements, while a mature-aged apprentice (21 or older) costs around $27 per hour plus entitlements (source). This creates a pay gap of over $10 per hour, making it financially impractical for employers to hire older apprentices.
With this cost disparity, why would an employer choose to hire a 21-year-old over a 20-year-old? This is where Government intervention is needed. Many young adults in the 21-25 age range have started or even completed university degrees but struggle to find work in their field. At the same time, this age group faces nearly 10% unemployment, yet they represent a valuable, untapped workforce for the construction industry.
Due to cost constraints, employers tend to prioritize hiring apprentices under 21 who have a car and license, as the nature of the work is highly mobile. As a result, those over 21 are often overlooked.
To address this, the Government should subsidize employers hiring apprentices in the 21-25 age group. Even a $8-$10 per hour subsidy in the first year would make a significant difference, allowing employers to train these apprentices until they become productive enough to sustain their wages in the second year.
A 12-month investment of less than $20,000 per apprentice could significantly reduce unemployment rates in the 21-25 age bracket, strengthen the construction workforce, and create long-term economic benefits. Instead of focusing solely on attracting apprentices, the Government should shift its attention to supporting the businesses that employ and train them.
Nigel Gorman www.aussiepaintersnetwork.com.au
0413 345 595
ways to get REPEAT BUSINESS
Q. I am finding it tough. Sales are slowing but I can’t figure out exactly why. No-one seems to be unhappy with what we do, and no competitor has entered the market. People seem to be buying less often and in lower numbers.
Your existing customers are your most valuable asset. This is because it’s easier and far less expensive to get an existing customer to buy off you again than to find new customers. So here are 17 ways to gain repeat business from existing customers, or to get your customers to think more positively about your business. The golden rule for success in business is to get your customers to believe that they are more important to you than anyone else.
Because small businesses are very diverse, not all these tactics will be relevant to your particular business. But many will be, so make a commitment NOW to try at least one, if not more, of these tactics.
Please also note that most of these ideas involve using
your database of customers so make sure that you comply with the Privacy Act. (Check out the provisions of the Act at the Privacy Commissioner’s website www.privacy.org.nz where you can download the ‘Guidelines for Business’ file).
1. Send a thank-you letter within two days of the customer buying off you. If at all possible, send a note the next day. It only has to be a handwritten note on a standard card—though a professionally typed letter is better. Other variations include sending a cartoon with your caricature to say thank you, or even a cartoon card (depending on who the customer is and how much they have spent).
2. Send an offer of a product or service that’s related to what they bought, usually after one month. Offer a discount or special deal. If you don’t have any complementary products or services, then find a business that does and offer their products. Then get that business to do something similar with their customers, but this time with your products or services as the offer.
3. If you sell products (such as printers) that use consumables, use your database date-of-sale records to predict when they might be ready to buy these consumables so that you can send them a ‘special offer’. Use the same technique for products that have a definite use-by date (such as timing the letter for when a lease arrangement on equipment is about to expire and newer technology is available).
4. Send out a questionnaire once every three to six months to see what your customers now want, and to see if your market has changed. Use the feedback to update your database and refine your product and services mix.
5. If you have a small number of highly loyal customers, then continue to acknowledge their custom with simple ideas like sending birthday and Christmas cards to them.
6. Try a telemarketing exercise. Ring up the customer with a brief message about a special or new product they may like to try. If possible make the offer free, or offer some incentive that provides a genuine saving or deal for existing customers only.
7. Send out a regular or email newsletter to your customers (even once every six months). Inform them about what is happening in your industry, community or area. Give tips relating to whatever business you are in. If you run out of ideas, then contact another business to share the newsletter (you can also share costs). Note: an email newsletter costs only a fraction of a conventionally printed and posted newsletter and the Internet offers a huge resource of useful information.
8. Run a customer contest that only existing customers can enter. This rewards them for being your customer -- not the competition’s.
9. In appropriate instances you may be able to ask for referrals. Something along the lines of: ‘If you thought that we did a great job, then we’d really appreciate it if you could send us the names of three people who could also benefit from our product/service’. Or you could simply ask for your name to be passed on to any people the customer may see as needing your help. Sometimes you can also include a special deal for their friends. Be careful here, though: don’t make this deal better than the one the original customer received!
10. If you have a new product or new technology just about to be released, then hold a ‘customer-only’ preview. Supply refreshments. This could even relate
to someone else’s technology. For example, if you have just bought a new colour printer, invite your customers to see what it can do. Get them to bring in some printing so you can demonstrate on their work. You can also the supplier of the equipment to share the costs – it’s promotion for the supplier too.
11. Have a sale that is available only to existing customers. Send them an invitation that selects them out as special and points out that the public will be excluded.
12. A variation on the above is to offer existing customers first choice at your sale for a certain period (such as a few days or a week) before the sale is opened to the public.
13. Try sending a letter or card or email that does not try and sell anything, but just keeps them informed of interesting facts or information for their use. This way, they don’t always associate hearing from you with hard sell. Instead, they come to look forward to receiving helpful information from you.
14. If your customers spend lots of money, and the profit per item is large, then send your customers relevant CDs or videos. For instance, if you sell to other businesses, you could send them CDs or videos on selling or marketing, or motivation. Or even in the case of especially good customers a video on their interests: find out from the survey you sent them what sports they follow, and then send them the corresponding video tape of rugby’s greatest tries, soccer’s best goals, highlights of the netball series or whatever. Stick your business name on the video.
15. Send customers a catalogue of all your products, and offer to direct mail to them anything they need.
16. A variation on this if you have a website is to offer preferred customers a special PIN number or password that allows them to log in to sections of your website (special discounts, sales, etc.) that others can’t access.
17. Come up with a special anniversary offer one year exactly after the customer first bought off you. If the offer is taken up, repeat the idea every year.
There must be something for every business in this list. The whole idea is to keep in contact with your existing customers, to build goodwill and positive word of mouth. By making them feel privileged and special you’re preventing the possibility that YOUR customer will be lured away by the competition. They couldn’t possibly after the way you look after them!
Sandra Price www.tradiebookkeepingsolutions.com.au
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How to Actually Meaningful
CREATE Life Change
At the beginning of each year, many of us are filled with renewed optimism at making the life changes we’ve always wanted to make. It’s a fresh start!
But others are more cynical, and have been burned by failed New Year’s resolutions many times before, and so have given up on this kind of optimism.
Each of these is understandable … but the problem with each is that neither really leads to lasting, meaningful change … without some evidence-backed methods to actually make the changes stick.
In this guide, I’m going to share the evidence-based methods I’ve used to change my entire life … and to help thousands of others change their lives (check out my Fearless Living Academy.
Let’s talk about how to actually make meaningful changes this year … but first, let’s talk about what doesn’t work.
What Doesn’t Work
The typical New Year’s resolution doesn’t tend to work, because:
• It’s a short-term burst of optimism and energy that doesn’t last for very long.
• Most people don’t set up structure or commitments to make it last very long.
• We don’t have ways of reflecting, learning, adjusting, and dealing with the failures and obstacles that inevitably come along, so our attempts end up being very fragile, prone to easily ending.
That said, getting jaded about setting New Year’s goals also doesn’t work — because then you end up not committing yourself to anything. Not getting in touch with possibility. Not setting a direction in your life. It’s like being out to sea without a destination in mind — you’ll just float along.
So what does work? A few evidence-backed solutions.
This Year
Choose Something Meaningful
Most people choose goals because they feel like I should, or it seems like something that would be good to do (which is the same thing). This isn’t very meaningful, and so you will give up when your resistance comes up.
Instead, choose something that really means something to you:
• I quit smoking because I realized it was going to have long-term health consequences not only for me, but for my wife and kids.
• I ran a marathon because I really wanted to prove to myself that I am worthy of my own trust, and remake my self-image.
• When I write books, I do it because it feels like it will really help people who need it.
• I got out of debt because the financial pressure and constraint of it all were stopping my family from doing things that would be meaningful to us.
What 1-3 changes would you like to make that would be really meaningful to you?
Small Steps are Better
Ignore this advice at your own peril: the best steps are the smallest.
For example, when I started running, all I had to do was lace up my shoes and get out the door. Once I was out, I would inevitably run a little, but I was already successful.
Other examples:
• Floss just 1 tooth to start with
• Do 1 pushup (knee pushups are OK!)
• Just open 1 email you’ve been avoid
• Write 1 sentence a day in your novel
Note that these are just starting steps — you’ll slowly progress from there. But don’t try to get too ambitious when you first start — that’s a good recipe for failure!
Instead, start super small and progress very slowly. Regress if you miss a day or two — cut back from 10 minutes of meditation to 5 minutes, so you can get back into it.
The important thing is not how much you do today, or even this week — it’s being as consistent as life will allow, and doing it for the long term.
Let Your Heart Have Fun
When people start new habits, they do each session as a thing they just have to get through. Get it over with. Get on to the next thing. This is no fun, and we only have a limited tolerance for it.
What if, instead, you could let it be playful, even joyful? When I go out for a run, if I notice myself just trying to get it over with, then I try to turn it into something fun. I run weird, I sprint to the next tree, I run up and down hills gleefully. Or I play some fun music. Or find awe in my surroundings.
As you do your habits or goals … let your heart sing. It deserves it. And it will want to do it over and over, which will help you achieve your goals.
Leo Babauta ZEN HABITS
Legal Expense Insurance FOR SOLE TRADERS
Whether we like it or not, Australia is becoming a more litigious country.
People seem to be more willing to jump straight into legal action than ever before.
Depending on the reason for that legal action, you might be covered by your public liability insurance, but not always…
Public liability insurance will cover you in the event that legal action is taken due to property damage or personal injury suffered by a third party, that has resulted from your negligence.
But that’s not the only reason you’ll find yourself needing legal assistance, and as a sole trader you’re particularly exposed.
We certainly don’t want to be scaremongering, but it’s part of our job to highlight the risks involved in being a self-employed tradie, and which insurance products are available to protect you.
Legal troubles for tradies
Most tradies will go through their working lives without having a major legal issue, just like most of us won’t have our houses burn to the ground…
But that’s not to say it doesn’t happen, and shouldn’t be insured.
Leading legal expense insurance provider ARAG have put together some case studies that relate specifically to tradies:
SafeWork Prohibition Notice
“Following an accident on their worksite, SafeWork attended the premises and issued a Prohibition Notice requiring the business to stop work. The business challenged the Prohibition Notice on the grounds that the system of work was deemed safe. The insured contacted ARAG and a claim was lodged. ARAG appointed lawyers who ran proceedings to challenge the Prohibition Notice with the result being that the Prohibition Notice was cancelled. ARAG paid the business’ legal costs in relation to the proceedings.”
Contract Dispute
“Knock on Wood, a carpentry business, was approached by a customer to install skylights in their customer’s home. Knock on Wood is a small enterprise and engaged a Skylight contractor to supply and install the skylights. The skylights were installed and not properly sealed. The cost of installation of two skylights was $7,000. Following complaints by the customer, Knock on Wood arranged for the skylights to be replaced by a different contractor, they then claimed damages from the original contractor. The originally contractor refused to compensate Knock on Wood. Knock on Wood contacted their broker who then contacted ARAG Claims team, and formally lodged a claim on behalf of their client. ARAG reviewed and accepted the claim, appointed lawyers who forwarded a demand for payment of compensation to the contractors which resulted in negotiations and a quick settlement with damages paid to Knock on Wood. As there was a nil excess there were no out of pocket expenses and ARAG paid the legal costs incurred.”
Tax Protection
“Perfect Plumbing has been lodging its BAS statements and Tax returns regularly. The ATO has announced its intention to look at compliance in several industries including the plumbing industry. The then ATO randomly selects Perfect Plumbing for a tax audit. After preliminary inquiries the ATO advised Perfect Plumbing’s accountant that it intended to audit their BAS lodgements. ARAG appointed accountants to assist with the audit and demonstrate BAS has been appropriately accounted for. ARAG met all costs of the appointed accountant other than the excess which was paid by Perfect Plumbing to the appointed accountant.”
Contract Dispute
“Bright Spark Electrics purchased bespoke lighting, with accompanying accessories for a large residential project. Mid-way through the installation the client changed their mind and wanted different lights. They asked Bright Spark to cancel the remaining order. Bright Spark explain that the client will need to pay for the change as the lights were non-refundable. The client agreed and Bright Spark ordered and installed new lights. However, when issued with the final invoice, the client then refused to pay for the unused lights. The client refused all requests for payment and denied they had agreed to pay for the unused material, despite text messages and emails. Bright Spark contacted the ARAG Legal Information Helpline, and then referred to ARAG claims. Lawyers were appointed to recover damages from the client. After debt recovery proceedings commenced the client agreed to pay for 80% of the total invoice. ARAG paid all legal costs incurred in the proceedings, and Bright Spark Electric paid a $1,000 excess.”
In a perfect world we wouldn’t need lawyers and accountants to settle disputes, but it’s a far from a perfect world…
As a sole trader your exposure to such matters can be even more serious, since you’re personally liable for any legal costs incurred by your business.
Legal expense insurance can give you considerable peace of mind, knowing that you have access to legal assistance when you need it, without ending up with a huge legal bill.
How much does it cost?
As with any type of business insurance, the cost of legal expense insurance will vary depending on the size and type of business you run.
Our experience shows that for sole traders, legal expense insurance will sometimes cost no more than your public liability insurance.
So we could be talking well under $1,000 per year.
Compare that to the cost of a solicitor, which could be anything up to $3,000 per day if you end up in court, and it’s incredible value.
Included in the policy is access to a legal helpline, so even if you just need some quick advice and don’t end up in court, you can still benefit from the policy.
Doesn’t public liability cover legal costs?
Yes, public liability insurance will cover legal costs, or more specifically, your defence costs.
But it only covers defence costs for something that will be (or could be) a public liability insurance claim.
If the potential claim relates to property damage or personal injury suffered by a third party, then your public liability policy may cover those legal / defence costs as part of the overall claim.
But if the issue is not related to a public liability claim, then it will not cover any legal or defence costs.
This could include contractual disputes, licensing issues, employment disputes, tax audits or many other potential legal issues which don’t relate to public liability insurance.
What if I’m not a sole trader?
Legal expense insurance is available for Pty Ltd companies, it’s just that this guide focuses on sole traders.
We can help trade businesses of any structure – company, trust or otherwise – with legal expense insurance.
Next steps
We know that for most sole traders, the cost of an insurance policy is a major consideration. If what you’ve read so far has piqued your interest, the next step is to request a quote from us.
For existing Trade Risk clients we recommend speaking with your dedicated account manager. If you don’t have their details, call our office on 1800 808 800 and we’ll transfer you through.
For new clients, call our office on 1800 808 800 and one of our brokers will help you out with quotes and information.
Switching off from work can be difficult but taking a proper break is good for your health
It’s never been easier to stay connected to work. Even when we’re on leave, our phones and laptops keep us tethered. Many of us promise ourselves we won’t check emails during our break. But we do.
Being away from the workplace, and even in a new location, is often not enough to detach psychologically. We might still be thinking about a demanding project we raced to finish or even feel guilty about leaving others to cover for us.
‘Digital presenteeism’
It mightn’t be spelt out by our employers but having phones and laptops can create an underlying expectation we are constantly available, even outside the usual work hours.
This feeling of connection or “digital presenteeism”, can impact our health by making us stressed, anxious and burnt out.
Switching off our work tools when we are out of the office or on leave can remove these problems as well as helping improve and enjoy our non-work activities and relationships.
Right to disconnect
While recently passed right to disconnect laws in Australia legally support workers to switch off, there’s another option already available to workers. Taking annual leave.
Unfortunately, many workers don’t take advantage of this valuable resource, with an estimated 160 million
annual leave days banked up by Australian workers. One in five have more than the typical yearly allocation of four weeks unused.
The benefits of taking a break
Taking a break doesn’t just feel good, it’s been shown to benefit your health.
A 2017 meta-analysis of 86 studies revealed taking holidays can lead to reduced stress and less exhaustion during the holiday period.
There is significant research showing taking a break improves wellbeing. Gladskikh Tatiana/Shutterstock
So what do we do with all the extra time we have? Sleep more? Do more exercise? Studies show that’s exactly what happens when we are on holiday. We studied movement patterns of 375 adults during annual leave. We found people were more physically active, less sedentary and had more sleep each day – all of which are good for our health.
Holidays can also be associated with changes in how our body functions. A study of 112 holiday makers who attended a wellness resort for six days in the United States had increased heart rate variability which indicates greater resilience to stress.
Also, the odds of meeting metabolic syndrome criteria decreased with each break taken each year in a cohort of workers who took on average five holidays each year.
If you’re male and still not convinced, there is evidence that taking holidays is linked with living longer. Men who take more frequent holidays and more leave days a year have lower mortality rates than those who don’t?
The best type of break?
Simply taking leave is beneficial. Longer breaks do not have increased benefits and where you go is also unimportant.
A study of locations found those who took a short four day break in a hotel did not benefit more than those who took a break at home. Both groups showed positive changes to stress, recovery, strain and wellbeing.
In our study, the largest favourable changes were experienced by people who took one to two weeks’ leave or those who spent time outdoors camping or hiking. However positive changes were observed for all types of holidays.
Ultimately, the best vacation is the one that fits your preferences and budget – there’s no such thing as a perfect holiday.
How to make the most of your next break
If you haven’t already, book some time off and get away from the workplace. Here are five ways to make the most of the time:
1. Finish up your to-do list and clear out your inbox: returning to work after a summer holiday with fewer unfinished tasks allows the positive effects of the holiday to linger longer.
2. Step away from the normal routine: try to limit work-like activities (such as shopping, cleaning, computer-based tasks) and find environments that feel removed from your typical routine and obligations.
3. Engage in “soft fascination” activities: exploring nature is an example of an activity that gently holds your attention while leaving headspace for reflection. These types of activites have been shown to provide restorative mental benefits.
4. Reduce the friction and chaos: avoid putting yourself in settings of conflict (such as visiting a difficult family member), confusion (busy, unfamiliar environments) or tension (excessive travel and/or tight timelines).
5. Take more frequent breaks: aim for multiple short breaks throughout the year, rather than a single longer vacation. This spreads out the benefit with more lead-in time and longer comedown.
The research is clear: vacations are essential for our health and wellbeing. So, if you haven’t already, book some time off and get away from the workplace.
Ty Ferguson
Research associate in exercise, nutrition and activity, University of South Australia
Carol Maher
Professor, research professor in exercise, nutrition and activity, University of South Australia
Rachel Curtis
Research fellow in exercise, nutrition and activity, University of South Australia
IMPORTANT Contacts
Aussie Painters Network aussiepaintersnetwork.com.au
National Institute for Painting and Decorating painters.edu.au
Australian Tax Office ato.gov.au
Award Rates fairwork.gov.au
Australian Building & Construction Commission www.abcc.gov.au
Mates In Construction www.mates.org.au
Workplace Health and Safety Contacts
Comcare
WorkSafe ACT
Workplace Health and Safety QLD
WorkSafe Victoria
SafeWork NSW
SafeWork SA
WorkSafe WA
NT WorkSafe
WorkSafe Tasmania
comcare.gov.au worksafe.act.gov.au worksafe.qld.gov.au www.worksafe.vic.gov.au www.safework.nsw.gov.au www.safework.sa.gov.au commerce.wa.gov.au/WorkSafe/ worksafe.nt.gov.au worksafe.tas.gov.au
actcancer.org cancercouncil.com.au cancercouncilnt.com.au cancerqld.org.au
cancersa.org.au cancervic.org.au
cancerwa.asn.au
