Relaxing with Chaos
Then learn to relax with this feeling of chaos...
Building Approvals Hit high record! Frequent poor business decisions
Don't do stupid things
Your Business support toolbox
Programs and assistance measures that are available to support your business!
www.aussiepaintersnetwork.com.au
Many great careers start with a Pathway. Whether that be, beginning your Apprenticeship whilst still at school, or by finding an employer ready to take you on from the very start. Become a Painting Apprentice
A painting apprenticeship takes 3 to 4 years to complete dependant on the individual student. They get paid as they learn rather than building up a debt by going to university. An apprentice learns the theory behind painting as well as the practical application of working with others on the job.
Become a Qualified Painter
After completing an apprenticeship, you become a qualified painter. You can continue working for painting companies or building companies on wages for as long as you like. Your wage should increase as you now have your qualification.
Become a Painting Business Owner
After completing your apprenticeship this is where you take the leap of working for yourself and potentially put on staff and your own apprentice. At this point we recommend that you contact Aussie Painters Network as well as other organisations and associations.
Are you running a Painting Business? See how we can assist you in growing your business with apprentices!
From the
Editor
CONTRIBUTORS • Andrew Spark
Hey Everyone,
• Angela Smith
Welcome to the 101st Edition of the Aussie Painting Contractor Magazine.
• Daniel D’Hotman
Having just returned from North Qld training apprentices its incredible to see how many businesses are looking for staff, and as such, Apprenticeships are on the grow! Employers are screaming to find staff and as there is a shortage, they are taking up employing apprentices to fill the void. If you are looking for an apprentice go to Painting Apprenticeships! It’s the number 1 source for painting apprentices. This month’s mag is jam packed with information and the things you will need to set up and allow for in your business in the coming months. Make sure you read what’s coming. Over the month of March, Aussie Painters Network will be releasing some massive and exciting things that will assist all our Members in a large range of ways. Keep an eye on your inbox where all will be revealed in the coming weeks.
Till next we talk, Happy Painting!!
• Anthony Igra • Daniel Wurm • Helen Kay • Jim Baker • Leo Babauta • Monroe Porter • Peter O’Connor • Robert Bauman • Sandra Price • Steven Hamilton • Vanessa Petch EDITOR Nigel Gorman
GRAPHIC DESIGNER Nigel Gorman
nigel@aussiepaintersnetwork.com.au
07 3555 8010
J. Anne Delgado
Advertise with us...
1800 355 344 / 07 3555 8010 info@aussiepaintersnetwork.com.au www.aussiepaintingcontractor.com
Contents 06
Relaxing WITH CHAOS
09
Part-Time
12
PLAY IT SAFE Why Every Business Must Have WHS Policies in the Workplace
15
Automatic Mutual Recognition (AMR) of Painters Licences
19
Building approvals HIT RECORD HIGH
20
Painting your way to success
24
An Equal World is a Capable World
27
Colour Vision Deficiency
30 33
Don’t do Stupid Things
34
Super Increases Coming July 2021
36
First lift JobSeeker, then add on fully-funded unemployment insurance
39
Your Business Support TOOLBOX
44 46 47
To get paid sometimes you have to cross the line
A Beginner’s Guide to Cash Flow Forecasting
Industry Idiots Important Contacts
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 may 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.
Relaxing WITH CHAOS There’s a big part of us that doesn’t like chaos: we want order and simplicity and feeling like we’re on top of things and doing things the “right” way. And so when things feel chaotic, we scramble for some kind of stability: • When we feel overwhelmed and behwend, we might beat ourselves up and try to look for a system to get things under control. • When someone is upset with us, we might not like the feeling of being judged and the uncertainty about how people see us, and so we might lash out at them or spin around a story for days about how terrible that person is. • When plans don’t go how we hoped they would, we feel like we’re on unsteady ground, and we start criticizing ourselves or feeling like we’re doing things
6 | Aussie Painting Contractor
wrong and things are out of control, and it might bring a lot of stress in our lives. • When we think about putting our work out there into the world (by writing a book or putting out an album, for example) … we worry about the shakiness of putting ourselves out to be judged, and might decide that we won’t be OK if that happens, because it just feels too scary, and so we put off putting my work out there, for years. Do you relate to any of these examples? In fact, the uncertainty of our chaotic lives is perhaps the main cause of our anxiety, stress, frustration, self-doubt, fears, procrastination, distraction and more. We know when we’re feeling this chaos when we’re reaching for a new tool, system, method, tactic, plan, expert, book on a topic … or our phones.
There is nothing wrong with any of these things. It’s just how we normally respond to chaos. But if we could relax in the middle of that chaos, it could do so much for us:
Notice when you’re feeling chaos. You don’t have to look for it — you’re probably feeling it right now. The world will always give us enough chaos to practice with. It’s a gift.
• We would be OK with the feeling of overwhelm, and not need to panic or feel bad. • We would simply take the next step. • We could focus on one thing at a time. • We could put our work out in to the world, letting ourselves be with the shakiness of being judged. • We could be with someone’s upsetness, giving them compassion rather than worrying about whether we’ll be OK. • We could simply meditate, go for a walk, exercise, eat healthy food, deal with our finances, and do all kinds of other simple, helpful actions that we put off when we feel stressed about chaos. • And much, much more.
Notice it, and then pause.
The training is to learn to relax with chaos. And from that place, decide on the next simple step.
--------------------------------------------------------------------
Training with the Chaos The training is to notice when we’re feeling chaos … and then use it as a kind of meditation, to breathe and then relax.
Breathe. Deep into your belly, slowly, letting yourself relax with each breath. Then learn to relax with this feeling of chaos, uncertainty, fear, anxiety, shakiness, groundlessness. Breathe, and with each breath, relax into the feeling of uncertainty and chaos. Repeat.
Leo Babauta
a successful ‘simplicity’ blogger and author from California, the creator of top 25 Blog
ZEN HABITS
2021 March Issue | 7
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PART TIME Do you have part time employees? Do they have a set number of hours? Do you pay them penalty rates if they succeed those hours? Under the Building and Construction General On-site Award, part time employees should have in writing: • an agreement that the employee may work part-time; • the hours to be worked, the days to be worked, the start times and finishing times • the classification level for the employee These agreed hours will be classed as the employees ordinary hours of work. Any change to these hours should be done by agreement and in writing. A part time employee is any permanent employee who works less than 38 hours per week. There is a perception that those hours can be flexible and that they can be increased as required. Whilst, it is true that you can have a part time employee work more than their scheduled hours, these extra hours are considered overtime under the Award and as such will incur penalty rates. We have come across another of scenarios in the last few months, where employers believed that overtime rates only applied once the employee exceeded 38 hours. Unfortunately, this is not the case and these employers have technically underpaid their employees.
pay $2.3million to its part time employees who were not paid penalty rates for hours worked in excess of their ordinary hours.
Key Considerations for Employers Having to back pay part time employees penalty rates for additional hours worked is of significant concern for many employers. The key consideration for employers then is to mitigate their risks going forward. Employers of part time employees should: • Ensure their employment contracts outline the ordinary hours of work and what conditions (penalty rates or Time Off in Lieu) will apply • Regularly review the pattern of hours worked by your part time employees. If there is regularity in the additional hours worked, then consider offering amending their agreements to include additional hours or offering them a full time position. • Be aware of when your casual conversion clause comes into effect. Under the Building and • Ensure that formal and informal communications around your part time employment arrangements are in line with the award. If you have concerns over your part time employment contracts, reach out to Vanessa from HR Maximised on 0418 190 106 or vanessa@hrmaximised.com.au
This perception is common across all industries and retailer, Sunglasses Hut, was recently ordered to back
2021 March Issue | 9
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U.S. Patent 10,674,809
PLAY IT SAFE
Why Every Business Must Have WHS Policies in the Workplace
Shockingly, an Australian worker is seriously injured every 2-3 minutes. Workplace Health and Safety (WHS) Policies and Procedures are extremely important to implement in your business and should never be overlooked. As a business owner, you do not want to see any of your workers get hurt, nor do you want to be a man (or woman) down. WHS Policies and Procedures help to minimise risk and will also protect you and your company if a worker was ever seriously injured, or worse.
The Law
It is in fact a legal requirement that you have such policies in place to minimise the risk of injury in the workplace. WHS Acts have been implemented in most jurisdictions across Australia to create a nationally consistent framework to secure the health and safety of workers and workplaces.
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The primary duty of care falls on businesses when it comes to WHS. This means that if a worker is injured, responsibility falls on the person in control of the business or undertaking (PCBU). i.e. directors and management. A person conducting a business or undertaking; (PCBU) is a broad term used throughout work health and safety legislation to describe all forms of modern working arrangements, which we commonly refer to as businesses. Furthermore ‘officers’ of a business (business owners or those who make decisions that affect the business) must exercise due diligence and make sure the PCBU complies with its health and safety obligations. So, if you are an officer (Owner/Director) you are ultimately liable, so as far as is reasonably practicable, for managing the health and safety of all your workers.
The WHS Act provides for three categories of offences for breach of health and safety duties and outlines the maximum penalties that apply to the different people involved. • Category 1 – a duty holder engages in conduct that recklessly exposes a person to a risk of death or serious injury or illness. This offence is a crime and will be prosecuted in the District Court. • Category 2 – a duty holder fails to comply with a health and safety duty that exposes a person to risk of death or serious injury or illness. • Category 3 – a duty holder fails to comply with a health and safety duty. These offences will be taken summarily in the Magistrates Court. • Industrial manslaughter
As a result, the directors of the company were convicted (each received a 10-month jail sentence) and the company was fined a whopping $3 million.
Protect Your Workers From Injury (And Protect Yourself From Liability)
No matter the size of your business, you must implement OHS policies within the workplace. Due diligence requirements are set out in the WHS laws. For example, the Work Health and Safety Act 2011 (Qld) requires that there are appropriate practices or systems of work in place as well as actively monitoring and evaluating health and safety at the workplace.
The Consequences can be Severe
If you do not comply with WHS regulations, there are very serious consequences that can affect you personally. Last year (2020) saw Queensland’s first ever industrial manslaughter conviction. A Brisbane worker was killed in a tragic workplace accident at a wrecking yard in Brisbane. Another worker was operating a forklift without the appropriate licence and with no safety barriers in place when he struck and killed his colleague.
This way, workers are aware of the appropriate safety standards and procedures and there is a process for identifying, assessing and dealing with risk. Risk control measures could prevent workplace accidents and injuries to keep you and your workers safe. It is time to make WHS a fundamental part of running your business and make it standard practice for all workers. Luckily, we have you covered! Book in a free call with us to assess your legal risk and discuss our great Fixed Fee packages.
Investigations found that: • there were no written safety policies or procedures within the workplace; • no safety systems were in place; • the company directors did not check the workers’ licences to operate machinery and simply relied on their verbal assurance; • there was no sufficient assessment of the workers competency to operate a forklift; • there was no traffic management plan on the worksite; and • there was no real attempt to assess and control the risks.
Oliver Kay General Manager | Rise Legal | Business Lawyers T: 07 5619 6858 | M: 0406 030 914 E: oliver.kay@riselegal.com.au www.riselegal.com.au
2021 November Issue | 13
14 | Aussie Painting Contractor
Automatic Mutual Recognition (AMR) of Painters Licences The Commonwealth Government has agreed to introduce a uniform scheme for the automatic mutual recognition (AMR) of occupational registrations to assist Australia’s economic recovery. AMR will allow a painter who is licensed or registered for an occupation in one jurisdiction to be considered registered to perform the same activities in another, without going through further application processes or paying additional registration fees. National Cabinet has now released draft legislation for consultation which will amend the Mutual Recognition Act 1992, enabling AMR to commence from 1 July 2021. This legislation would allow licensed painters in QLD for example, to work in NSW, without getting a NSW licence. However, it also means that unqualified licensed painters from South Australia could work in QLD, without getting trained or qualified. Although the National Painting and Decorating Institute supports national licensing over mutual recognition,
there is some immediate benefit for this reduction in red tape, particularly for painters who live on the border of states where licensing is required. For example, painters living in the Northern Rivers region of NSW would be able to work on the Gold Coast without having to pay additional fees and obtaining a Queensland licence. Likewise, painters on the Gold Coast could work in NSW without having to pay and apply for a NSW licence. The draft legislation includes provisions for states to still require painters from interstate to register with the state regulatory body, or to request additional training be carried out before their licence is recognised. For example, if you are a NSW licensed painter wanting to work in QLD, you may be required to register with the QBCC before you can work in Queensland. But the registration process would not cost you anything, and would be a very simple straight-forward process.
2021 March Issue | 15
However, if you are a licensed painter from South Australia who wants to work in Queensland, you might be asked to get additional training if you are not already qualified. (Not all licensed painters in SA are trained and qualified) The draft legislation is open for consultation, and the National Painting and Decorating Institute has put in a formal submission on behalf of the painting industry. We have recommended that automatic mutual recognition only apply for states that have identical or very similar requirements for training and certification. This is the position being taken by other professional bodies, such as the Master Plumbers Association. New South Wales, WA and QLD all require licensed painters to be qualified or have received formal training as part of an apprenticeship or through a formal skills assessment process. Victoria will no doubt also be following this model. The only problem is South Australia, where painters can still obtain a painters licence despite not having any training. We will be lobbying all state governments to only allow trained and qualified licensed painters from South Australia to work in other licensed states, or to require all South
16 | Aussie Painting Contractor
Australian painters seeking mutual recognition to be formally skills assessed and qualified. The risk to the community of having untrained and unqualified painters working in other states is too great, not only in regards to the issue of lead paint exposure, but also the preparation of asbestos. How would the public react if they knew that painters who claim to be licensed have actually had no training in lead paint or asbestos awareness? Ultimately, this is one small step towards having a national licensing system. Only a national licensing system will truly simplify and strengthen the licensing process across Australia. -------------------------------------------------------------------------
Daniel Wurm
Managing Director National Painting and Decorating Institute
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Do you have an Apprentice? Aussie Painters Network is the preferred industry consultation provider for Master Painters Decorators & Signwriters' Association of Queensland Union of Employers (RTO 30048) to provide an exceptional quality, convenient experience for apprentices. We work closely with employers and their apprentice with access to thorough, easy to use, online training resources, combined with onsite tutoring and hands on simulated work environments in our custom built Painters Training Wheels. We can come to you, on your site, with
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Building approvals
HIT RECORD HIGH Housing approval numbers have just been released for December, and the numbers are great if you’re in the business of building houses.
Tom Kennedy, an economist from JPMorgan, also expected housing construction activity to remain strong:
They’re not just great… They’ve hit record highs on the back of the HomeBuilder stimulus package.
“We expect housing to be one of the stronger components of GDP through 2021 given the combination of low mortgage rates, improving labour market conditions and relocation/mobility dynamics potentially supporting construction activity in regional areas.”
Not only did the numbers increase at the highest rate for almost 20 years (since April 2001) they also hit a record number. According to ABS figures released today, 13,785 new detached home approvals were issued for the month. Total approvals were also up, with 19,537 beging the highest monthly number since November 2017 when it hit 23,354. Maree Kilroy from BIS Oxford Economcs was quoted by AFR saying that the numbers are expected to grow even further into 2021: “The late surge in HomeBuilder applications before the December 31 deadline for the full grant is still yet to fully materialise in the approval data and this record may still be topped in coming months.”
In further good news for tradies and builders, approvals for renovation work was also up in December. They were up 8.1% in December, and an impressive 37.1% year on year. These numbers only include renovations substantial enough to require building approval, therefore in addition to all the smaller renovation works going on.
Contact us on 1800 808 800.
www.traderisk.com.au 2021 March Issue | 19
Painting your way to success If you’re a small painting business, with only a few staff members, or maybe you’re just a one-man band… there’s no need for systems, right? Wrong. Systems are a quintessential cornerstone for a painter’s business of ANY size in order to be efficient, and therefore successful. A system is the written documentation of an entire process or procedure, from start to finish. It’s a “repeatable way of doing things” that has been perfected for efficiency and success. Without a systemised business, the day-to-day operations live in your head, or are made up as you go along. If you ever want a business that runs efficiently, you need to implement systems into your business TODAY.
20 | Aussie Painting Contractor
Start by deciding who builds systems
If you are a one-man show with no employees, this will be you for obvious reasons. An advantage of this is you have complete control (and probably a better understanding of the tasks) over how everything is systemised. Once you have established who will be creating the systems for each function, communicate this to them. They (or you if you’re the one who does the task) will need to understand: • How to make systems — Is it through a video recording or a step-by-step document? • The positive impact systems will have on your business (why you’re going through the systemisation process).
Now let’s get down to business
Follow our flow chart below for how to create systems. For the full story download our Systems EBook via this link https://www.lifestyletradie.com.au/apnsystems
#1 Dump it Get everything out of your head and onto a page. Even include the small stuff “click here, open this tab etc.” It may seem insignificant to you — but think about somebody doing this for the first time, with only these instructions to explain. #2 Simplify it Now, try to cut this down into simplified steps that are easy to understand. #3 Record It Utilise flowcharting software such as Lucidchart or Microsoft Visio to turn your brain dump into professional flowcharts. After it has been flowcharted, someone needs to test it out to make sure it’s right! Make changes if necessary, after this stage until the flowchart is perfect. #4 Store it Now you have created your systems, where do you put them? Your systems are useless if no one has access to them. Store it on a platform such as Google Sites. If you choose Google Sites, make the settings private. #5 Share it Give your team access to these systems and make sure you follow them EVERY TIME. You’ve implemented systems because you value the many benefits, they provide your trade business.
It’s everyone’s responsibility to follow your systems because it directly impacts long-term sustainability.
You’re all set!
You now have access to the exact steps to creating systems in your painting business, allowing you to get off the tools and spend more time on what really matters to you. What a win!
What’s next:
Check out our upcoming live events at lifestyletradie. com.au/events to find an event near you! Lifestyle Tradie Live is a free event that’s jam-packed with insider tradie knowledge that YOU need to know in order to build a strong, successful trade business. Bring your partner or a mate along to this full day training session, register via this link to put the right foot forward in 2021. https://www.lifestyletradie.com.au/apn --------------------------------------------------------------------
Angela Smith
A fellow trade business owner and co-founder of Lifestyle Tradie, a membership and community for tradies in business. Lifestyle Tradie is an award-winning education service and community for tradies in business who want to make more profit and fast-track financial freedom. Visit our ‘Free Resources’ hub, where you can download free strategies and resources:
https://www.lifestyletradie.com.au/free-resources/
2021 March Issue | 21
An Equal World is a Capable World International Women’s Day is on the 8th March. #ChooseToChallenge - A changed world is an alert world is the campaign theme for 2021. So, what does it mean? What can we as individuals do to celebrate those who have ‘paved the way’, support those who are challenging the status quo and mentor those of tomorrow - Our grandmothers, granddaughters, mothers, daughters and nieces If we don’t stand up and be counted today, do they have a future tomorrow? In 1911, International Women’s Day was honoured for the first time in Denmark. More than 1 Million women and men rallied campaigning for women’s rights to work, vote and end discrimination. Today, in 2021 women are fighting for equal pay, gender equality in the workplace and positions in leadership positions, just to name a few. In 2011, the centenary of International Women’s Day was celebrated. President Obama declared March 2011 to be ‘Women’s History Month’, and asked his country to reflect on “the extraordinary accomplishments of women” in shaping the country’s history.
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2021 and beyond - great leaps towards improvement have been made. We have had and will continue to have female Prime Ministers, Engineers, Builders, Astronauts and leaders in positions not yet created. On Friday 5th March, Awesome Women in Construction will be celebrating their 4th annual ‘Sold Out’ International Women’s Day event. Guest speaker Suzie Christensen will be speaking about ‘Navigating a Never Changing World’. We also look forward to hearing from Maree Adshead, Queensland Small Business Commissioner. It will be an opportunity to network and celebrate our industry colleagues. Remember - Celebrate the amazing achievements of women every day, not just on the 8th March. For more information on Awesome Women in Construction (AWIC) visit www.awic.org.au or contact us via hello@awic.org.au --------------------------------------------------------------------
Amanda Bulow
Awesome Women in Construction
2021 March Issue | 25
www.oldfields.com.au
COLOUR VISION De
iciency f
When I put a Facebook post out enquiring if there were any ‘colour blind’ painters in the group, I was absolutely amazed how many answered ‘Yes’. Now I know this may sound like I am a complete idiot (no smart comments agreeing with me please) but it never occurred to me there were CVD (correct term) people in the profession of painting and decorating. To be honest, (up until my post) I have only come across a few people in my life that have mentioned that they were, one being a good mate of mine from 40 years back, and the rest being clients. (When I come to think about it now (and as the stats below show) it sort of makes sense that they were all men). Maybe I am, ‘not alone in the boat’, and others have thought the same as myself, so, to feed my curiosity at least and to claim back some of my intelligence, I thought I would do some research on the subject and make an article about it. Colour blindness (CVD) is caused by a change or reduction of sensitivity of one or more of the light sensitive cone cells in the eye. The human eye contains millions of cone cells which work together to translate light into neural signals that are transmitted along the optic nerve to the brain, resulting in the sensation of colour vision. The most common type of colour
vision deficiency is called ‘red-green colour blindness’ which occurs when the green and red sensitive cone cells’ sensitivities overlap more than they are supposed to. Instead of seeing green and red as distinct colours, the person sees them as being very similar, thus the resulting colour confusion and other frustrations. Colour confusion can manifest in many everyday tasks, resulting in frustrating outcomes such as a mismatched outfit (in this circumstance, it does not necessarily mean you have CVD as my wife often mentions my clothing attire when we go out, lol), questionable paint choices, incorrect colour naming and difficulty interpreting colour coded information such as charts, graphs, and maps, which may be misconstrued as a learning disorder in early education. For the majority of people, colour blindness is generic and inherited from their mother. Despite the name, colour blindness doesn't mean that people see the world in black and white. More than 99% of all colour-blind people can in fact, see colour. According to color-blindness.com, around 0.5% of women (1 in 200) and 8% of men (1 in 12) suffer from some form of CVD.
2021 March Issue | 27
Normal Vision:
Protanomaly: Less common and is more severe with loss of red sensitivity and some dimming of vision.
Deuteranomaly: The most common of colour-blind Tritanomaly: People having this do not see blue colours type with the loss of green sensitivity and does not dim the vision.
properly and may have difficulty seeing the difference between blue and green.
Monochromacy: Total colour blindness, is the rarest form of colour vision deficiency. People who have it can only see in black and white. It is estimated that only 1 in 30,000 people are affected by this condition. (This information was sourced from a website called boredpanda.com) So, my question is, does a painter with CVD encounter any problems when painting a house? It may sound like a really ‘dumb’ question to colour-blind painters but, I may as well be the person that asks it and get the ‘flak’ from it also. I contacted Jason Thoms, who lives on the Gold Coast and was one of the many people to answer my post. I asked if he wouldn’t mind answering some questions about his CVD; ‘More than happy to help’ he replied. In his primary school days, Jason used to help in his fathers’ painting business in the holiday periods. He only found out from a routine eye test one day, that he was actually colour blind. CVD runs in his family so as this condition is hereditary, there was always the chance he would be too. This didn’t deter him though to take up the trade full time when he left school at fifteen, (his dream was to become a pilot but because of his CVD, it was not possible). He learned to adapt and was always supported by the painters that worked for his father by making sure he didn’t paint things the incorrect colour. This was achieved by having all the pots labelled so as not to pick up the wrong one. I asked the question, ‘If you had substrates to paint that were blue and green and had
28 | Aussie Painting Contractor
the same depth of colour, would that cause a problem? ‘Not at all. I would just paint one colour at a time.’ Jason is now 49. He took over, ‘DTS Master Painters’ in 2015 when his father retired. The business operates smoothly and efficiently with just himself and three other painters. Check out his website at www. dtsmasterpainters.com.au I also found a couple of interesting facts while doing my research. Mark Zuckerberg (founder of Facebook) has the most common of CVD but sees blue as crystal clear which is why he chose this colour for his Facebook page. The US Military often looks for colour blind individuals to become snipers as the camouflage used by the militaries can easily be seen by those affected by CVD. There are glasses on the market called Enchroma, that can help people in many cases to see colour. --------------------------------------------------------------------
Jim Baker
www.mytools4business.com
50 YEARS A HOUSE PAINTER
This book contains 36 topics of industry related knowledge and information which will help you in the way you operate your business.Topics under headings of; Business Checklist, Staff, Marketing and Sourcing Customers, Professional Behavior, Successful Operation and Looking Ahead.Highly recommended by Jason Osborn, Dulux Business Development Executive as; ‘A very easy interesting read, that combines industry facts and great topics.’
www.mytools4business.com 2021 March Issue | 29
DON’T DO
STUPID Things I hope this title captured your attention. A lot of research (Google it) supports that intelligent people can do stupid things. Critical thinking requires time, effort, and problem-solving skills; being smart is not enough. Sometimes business owners are victims of always being the boss, not gathering input, multitasking, being in too great of a hurry, impatience, etc. One of my favorite quotes is “I know I’m intelligent because I know that I know nothing,” Socrates. Hopefully as we mature, we get wiser and more reflective but that is not always the case. Decision making can also be about evaluating risk. My wife is a good, frequent cook but she burned something the other night.a I almost made a comment, but wisdom prevailed. This was a wise decision and risk-free decision. Frequently we just fail to think things through, and the easy short-term decision can turn into a long-term nightmare. Here are some of the more frequent poor business decisions I have encountered. 1. Failure to stay on top of collections. One report showed that over 25% of construction industry accounts were past due. Another source indicated that 61% of late payments were due to admin, compliance, and other clerical errors. The older a receivable becomes, the less likely you are going to get paid in full. 2. Business owners who tie up all of their net worth in their company. Maybe you can and maybe you
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cannot sell your business when you retire. This lack of diversity can include owning your building, having too much equipment and all family member income is dependent on business. Building and owning your building can be a good investment but make sure you build a property that can be sold and fit into other business needs. For example, building a nice shop at your home can be very cost effective but awfully hard to sell down the road. Diversity is a key to building worth. Don’t put all your eggs in one basket. 3. Letting a difficult employee dominate your culture. Finding good help is hard but frequently we hang onto the bad apples way too long. Don’t be held hostage by difficult people. You are merely postponing the inevitable. Once a difficult employee is terminated you find out how horrible he or she really was. 4. Too socially opinionated. Our country is very divided. Our Politics, Covid-19, Black Lives Matter, etc. are explosive. Everybody is right and everyone else is wrong. It is all a little sad. If it ties back into your company, be careful of being too radical on hot issues. I know, I know you have a right to your passion. Possibly you might be better off to keep this stuff out of your business and donate the money to your cause? From a customer perspective it is a no-win situation. I know business owners on both sides of these issues who have tremendously damaged their businesses with such stuff. Business is hard enough without alienating half of your employees and customers.
5. Too much work with one customer. When over 25% or your revenue is with one customer, you have built a risky proposition. I’ve seen this burn businesses time and time again. When you worked for someone else, you had a boss and job. If most of your work now is with just a few companies, you still have a job but with multiple bosses and not a true business. 6. Failure to put checks and balances to avoid bookkeeper theft. Having done this for over 40 years, we find about 10% of our customers at some point experienced admin embezzlement. Where less than 1% have had a major fire of tornado. Too many owner’s ensure theft by not keeping tabs on people rather than insure theft with insurance coverage. 7. Failure to do tax planning and manage depreciation. If you wait until your accountant does your taxes to determine your tax liability, you are not doing a good job of planning. Your accountant tends to tell you to always take a 100% depreciation. This is fine if you paid cash for the equipment but if you buy on credit and make payments, there may be nothing to write off when the payment comes due. Taking large depreciation deductions does not save you taxes, it merely postpones those taxes. 8. Family employee overload. I understand each and every family has different philosophies when employing family members but here are some things to think about. The pressure of having to feed everyone. Impact
of sibling and other family dynamics. The influence an under-performing family employee can have on your culture. The sheer math of the situation. Hard to have a 500k business support 5 family members. 9. Underestimated overtime and out of town burnout. Constantly working out of town can cause family and employee issues. Constant overtime can wear people out. Also, many overextend their lifestyle with the extra pay and trap themselves. 10. Failure to comply with government regulations. The government does not have enough employees and resources to catch all safety, wage and hour violations, failure to pay payroll taxes, income tax issues, etc. Therefore, a government strategy can be to make examples out of businesses who are caught cheating. Don’t be fooled into thinking a government inept bureaucrat is going to show up when caught with tax fraud or a workplace death. An agent with a badge is going to show up. Remember, if not well thought out, intelligent people can do stupid things. Slow down and take time to focus on the big picture.
Monroe Porter
is president of PROOF Management a firm that teaches seminars and runs networking groups for painting contractors.
www.proofman.com
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A Beginner’s Guide to
Cash Flow Forecasting Nobody wants their business to fail. Although it’s impossible to predict the future with 100% accuracy, a cash flow forecast is a tool that will help you prepare for different possible scenarios in the future.
receivables collections), and cash outflows (e.g., expenses for utilities, rent, loan payments, payroll).
In a nutshell, cash flow forecasting involves estimating how much cash will be coming in and out of your business within a certain period and gives you a clearer picture of your business’ financial health
It’s always good to create best case, worst-case and moderate financial scenarios. Through cash flow forecasting, you’ll be able to see the impact of these three scenarios and implement the suitable course of action. You can use the models to predict what needs to happen especially during difficult and uncertain times.
What is Cash Flow Forecast? Cash flow forecasting is the process of estimating how much cash you’ll have and ensuring you have the sufficient amount to meet your obligations. By focusing on the revenue you expect to generate and the expenses you need to pay, cash flow forecasting can help you better manage your working capital and plan for various positive or difficult scenarios. A cash flow forecast is composed of three key elements: beginning cash balance, cash inflows (e.g., cash sales,
Building Out Cash Flow Scenario Models
In situations where variables shift quickly such as during a recession, it is highly recommended to review and update your cash flow forecasts regularly on a monthly or even weekly basis. By monitoring your cash flow forecast closely, you’ll be able to identify warning signs such as declining revenue or increasing expenses.
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How to Improve the Accuracy of Your Cash Flow Forecast
Get Expert Help With Cash Flow Forecasting
In cash flow forecasting, your estimates are based on historical data. This means having accurate historical data is critical. Below are some tips for improving its accuracy:
Whether your business is growing, fighting for survival, or you simply want to run your business better, a cash flow forecast can help you make business-critical decisions that impact the financial health of your business.
● At the end of the week or the month, input your actual results or the cash that was received and cash spent. This will allow you to identify which items you got wrong in your estimates and evaluate why you got it wrong. This analysis may lead you to identify bigger issues and help you make adjustments to your assumptions. ● Carefully evaluate all of your assumptions. Take note that just because it’s correct now does it mean that you’ll get it right in the future as well. Go through everything, especially when it comes to sales and validate it. ● Don’t forget to include annual payments, loan payments, credit card debt payments, and estimated taxes. ● It’s almost impossible to forecast where your business is going to be in longer than one year out. You’ll introduce more risk and greater uncertainty the further out your financial scenario models go.
To get expert assistance with your cash flow, chat with our team. Get in touch to book a one-on-one consultation with our advisors and we’ll work out a plan to help you keep more money in your pocket.
Sandra Price
www.tradiebookkeepingsolutions.com.au Facebook : Tradie Bookkeeping Solutions
Super Increases
Coming July 2021 Pending a final decision by the federal government in the May 2021 budget, the current 9.5% superannuation guarantee (SG) will be increasing to 10% as of 01 July 2021. The rate is set to increase .5 % each financial year thereafter until the SG Rate reaches 12%. If you are employing new team members, please take this into consideration and ensure you can meet your obligations. You can factor this change in now to your Cash flow forecasts for Jul on. More detailed information is available on the ATO website. If you would like any further information, please feel free to contact out office on 0468944130.
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LEAD KILLS Find out if the things around you are safe for humans and pets.
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www.lead.org.au 2021 March Issue | 35
First lift JobSeeker, then add on fully-funded unemployment insurance A chorus of voices is calling for the government to “raise the rate” of the JobSeeker unemployment benefit, among them the Reserve Bank Governor Philip Lowe. And they’re right. Once about as much as the age pension (and until recently called Newstart), JobSeeker is now less than two-thirds of it. When the temporary coronavirus supplement ends on April 1, JobSeeker’s inability to provide a decent standard of living while unemployed will become mercilessly apparent. JobSeeker versus the age pension
Every member of the Organisation for Economic Co-operation and Development other than Britain, Ireland, and New Zealand offers a high, fairly generous, and time-limited initial payment (usually a portion of the former wage) that steps down at a later date. In Canada the initial payment is 62% of average wages, falling to 23% after nine months. In the United States it is 40%, falling back to very little after six months.
Dollars per fortnight, base rate, single. Source: Ben Phillips ANU, DSS After JobSeeker is boosted, something the government is considering, there’s something else we should fix. Right now JobSeeker is being asked to simultaneously serve two very different groups: those transitioning out of and back into work for a brief period (say, less than a year) and those in longer-term unemployment. On this, Australia is an outlier.
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The high initial rate helps people weather the temporary income shock of unemployment, and provides breathing space to search for a job that’s right. Because our system doesn’t distinguish between the short- and long-term unemployed, Australians experiencing short-term unemployment receive the leastgenerous payment in the developed world. Our rate of long-term support is actually middle of the road by OECD standards, despite being well below the poverty line.
Other evidence suggests that a step-down scheme such as JobMatcher would boost wages, productivity, innovation, and worker retention. First things first First, JobSeeker needs to be increased. A reasonable boost would be $150 per fortnight, to replace the coronavirus supplement which is about to end. And it should be indexed to wages rather than prices to keep pace with living standards. With JobMatcher, payments to the unemployed would look like this:
Proper insurance In a policy proposal released this week by the Blueprint Institute, we suggest something better, an unemployment insurance system I have called JobMatcher. JobMatcher would pay newly unemployed people 70% of their previous wage for six months, providing what US researchers believe is enough time to find the right job. After six months, they would be supported by the JobSeeker payment.
JobMatcher would have a number of economic benefits: Getting people off the dole faster. Frontloading benefits has been found to speed up reemployment by providing a hard deadline after which support will be reduced. Getting workers back into better jobs. Step-down systems of unemployment insurance provide more generous support workers at the start of unemployment, enabling them to find jobs better suited to their skills. These jobs are more likely to be full-time, last longer, and pay higher wages. Smoothing the temporary income shock of losing work. JobMatcher would cushion the initial income shock of short-term unemployment far better than JobSeeker is likely to, providing recipients with time and space to adjust their adjust their lifestyle and debt obligations.
Proper premiums JobMatcher would be paid for with proper insurance premiums. The government would charge most workers an annual JobMatcher premium equal to 1% of income, along the lines of the 2% Medicare levy. Paying in to the system would do more than merely fund it. It would engender in people who have lost their jobs the belief that they had the right to use it. And it would engender broader public support for the high payments involved. --------------------------------------------------------------------
Steven Hamilton
Visiting Fellow, Tax and Transfer Policy Institute, Crawford School of Public Policy, Australian National University
Daniel D’Hotman
DPhil Candidate, University of Oxford
Serving as an automatic stabiliser. Unemployment insurance stabilises consumer spending by smoothing fluctuations in disposable incomes.
2021 March Issue | 37
Business Management Courses FOR PAINTERS!
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Your Business Support
TOOLBOX Many businesses I have been working with have taken up the available assistance provided by Government through a host of programs since last year. While some of these are now coming to an end, notably JobKeeper, Government is still open to continue their tailored packages for industries or areas that require further support during the Covid-19 pandemic.
Your scenario planning should include thinking about the worst possible scenario and preparing for it. You may need to secure additional credit lines, liquidity, or equity for your business, but chat to us and we’ll help map out a plan together.
The number of Australians on JobKeeper have more than halved since September and has fallen by more than 2 million since September, with Treasurer Josh Frydenberg claiming a “remarkable recovery”.
Many businesses have developed creative ways to pivot during the pandemic. Restaurants have focused on takeaways, fitness centres have launched online sessions, and others have created totally new products or services.
According to the ATO, over 512,000 businesses have left the scheme and are now covering their entire wage bill by themselves. However, there are still 1.53 million Australians relying on the wage subsidy. In this article, we’re looking at how you can prepare your business for the transition from JobKeeper to running back under your own steam. Plus, we have highlighted some of the programs and assistance measures that are available to support your business.
How to get ready for the end of JobKeeper The government’s JobKeeper program is scheduled to end on 28 March 2021. If your business is currently relying on the relief this scheme provides, the end of JobKeeper could create some concerns. So what exactly can you do to prepare?
2. Evaluate Your Business Model
What can you do to reimagine your existing business model and understand new industry norms and market trends? Don’t just wait for your competition to do something and follow suit. Be on the front foot and always look for new opportunities. Again, we would be more than happy to chat to help you work out your next steps.
3. Keep nimble COVID-19 has put us all in a tricky situation, but being flexible in the way you do business will help you roll with the punches. From remote work arrangements to the way you design your payment models for your customers, there are countless ways to adopt nimble characteristics that will help you scale back quickly even as the government support ends.
1. Conduct Scenario Planning Planning makes a huge difference. Before JobKeeper ends make sure you have explored various scenarios for the future and plan for these accordingly.
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4. Review Your Expenses and Financing
Arrangements Run your business as lean as possible and cut down on unnecessary expenses so you can save as much cash as you can while you still have support from the JobKeeper program. By keeping a bit of a war chest, you will be in a stronger financial position when the end of March comes. Keep in mind that insufficient cashflow and capital can easily throw your business off track– so securing finance may be an option to help you carry on and face the months ahead.
5. You Don’t Have to Do it Alone… In these unpredictable times, changes like JobKeeper ending can have a big impact on your strategy and direction. We understand that these events can be confusing and frustrating, but you don’t have to face these business challenges alone. Work with trusted business advisors to get professional guidance and support. We act as a sounding board for our clients, helping them to strengthen their cashflow position and build a profitable business. Get in touch if you’d like to chat.
Overview of Business Assistance Programs & Measures 40 | Aussie Painting Contractor
Here is an overview of assistance measures & programs that are still available to business owners who need more help to kickstart their business. To find out further details on these programs you can click directly on the headings to visit the source website.
Mentoring for Growth program Mentors are available to provide tailored support including financial mentoring and business planning. Many business owners are already working with their business advisors and accountants to chart their future business growth. Contact Straight Talk Accounting & Tax and arrange for a complimentary Strategy Session to find out how we can help you.
Instant asset write-off for eligible businesses Changed eligibility criteria for instant asset write-off. Immediately write off the costs of each asset that cost less than $150,000 (up from $30,000) for businesses with an aggregated turnover of less than $500 million (up from $50 million).
Coronavirus SME Guarantee Scheme The Australian Government will provide a guarantee for lenders to small and medium enterprises (SME) for new unsecured loans to be used for working capital. Phase Two of the scheme started October 2020 and runs until 30 June 2021.
The portable, inexpensive method to prevent paint waste-water polluting the environment.
2021 March Issue | 41
Come and share your painting ideas! facebook.com/groups/aussiepaintersnetwork/
Backing business investment accelerated depreciation Eligible businesses, for the 2019–20 and 2020–21 income years, may be able to deduct the cost of new depreciating assets at an accelerated rate using the backing business investment – accelerated depreciation rules. Businesses with an aggregated turnover of less than $500 million are able to accelerate their depreciation deductions on the purchase of certain new depreciable assets.
JobMaker Hiring Credit Fact Sheet COVID-19 Vaccination Certificates Will Be Released The Australian government revealed plans to release vaccination certificates and said that it is highly likely that such documentation will be required for international travel into the country. The existing immunisation register will be used to record and digital certificates will be accessible on the Express Plus Medicare app, accessed through My Gov. Hard copies will also be available.
Business Events Grant Opportunity The Business Events Grant helps Australian businesses take part as buyers or sellers at business events such as exhibitions, conferences, and conventions. It aims to ease the financial pressure for event organisers and to encourage businesses to attend business events. You can apply until 30 March 2021 to get funding of $10,000 per entity up to a maximum of $250,000. Events must be pre-approved and held from 1 January to 31 December 2021.
Wage subsidy for employing a displaced apprentice or trainee Subsidies are available to any new employer who re-engages an eligible apprentice that was displaced by a small business employer from 1 March 2020. Australian Small Business Advisory Services (ASBAS) Digital Solutions Access low-cost advice to grow digital capabilities. Due to COVID-19, ASBAS providers are also offering general business advice. Get advice on topics including websites and selling online, crisis management, continuity planning, financial management and boosting cashflow.
How the JobMaker Hiring Credit scheme helps businesses
Useful links to websites with COVID-19 support information • Queensland Government Coronavirus (COVID-19) business assistance finder • QLD Coronavirus (COVID-19) business support and recovery • Australian Government COVID-19 general support page • Master Builders Queensland Coronavirus help page If you need any support with your business planning, call my office on 3399 8844 and we’d be happy to help you with a FREE Business Financial Health Check. You can also visit our website at www.straighttalkat. com.au and complete your details on our Home page to request an appointment.
The JobMaker Hiring Credit scheme is an incentive for businesses to employ additional young job seekers aged 16 to 35 years. Eligible employers can access the JobMaker Hiring Credit for each eligible additional employee they hire between 7 October 2020 and 6 October 2021.
2021 December Issue | 43
To get paid sometimes you have to
Cross The Line
Late last year I had a client that was owed nearly a million dollars in variations. The client had told him that all variation claims were NOT to be added into the monthly invoices and ‘they would be sorted out at the end’. Needless to say, he was nearing the end of a large contract and had a seven figure amount owing which had not yet even been claimed. He was now terrified of coming forward and insisting on payment for the additional work. He was scared to cross the line from passive to proactive. It took a lot of convincing but he eventually agreed to consolidate a large claim the next month which contained all contract work done PLUS all the additional work. This was well over a million dollars. His company had never made this kind of claim to the client before, and they had done several large projects together. He met with the client and put the claim on the table and said ‘This is what we will be serving on you tomorrow’. Did the client terminate the contract? Did the client explode in a rage? Did the client unleash an army of
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lawyers to argue the point? Did planet earth suddenly vanish leaving my client floating in space? The answer is of course no. Guess what? He got paid the next day. Not all he was claiming mind you, but a large part of it. And the reason he did not get all he was claiming was because he had not claimed for the work when it had been one. If the matter had gone to adjudication it is almost certain that the full value of works would have been found payable. There is the old saying about FEAR: It is only False Expectations Appearing Real. That is, the contractor assumed that making the full claim would have a host of disastrous consequences. But this is rarely the case. Most of the time the proactive making of a claim will take you over that line from passive to proactive. If the money is fairly owing, the non payer will have a hard time making its case and so will be open to a payment resolution.
has been so formally sent will put your client on notice that this time things are going to be different and that there will need to be some explanation if payment is to be withheld.
Bring things to a head If your client is refusing to pay on unsubstantiated grounds then you must make it clear that you are prepared to have the matter decided by an outside body. This part of the process can take many forms. It might be expressed in an email, or discussed at a meeting, or phone call. But all these instances must share the common ‘change in tone’ that indicates to your client that things are different now. That your patience is at an end, and that you are now insisting on payment or there will be consequences. This is the point at which settlement deals are done, and payments are made. But there is one important aspect here. You have to be prepared to follow through.
“Take it to law”
There are four steps that you need to follow to address this situation.
Get the Documents together Carefully assemble all contract works invoices, site instructions, variation orders, key emails. Also do a full project reconciliation so that a final figure matches up with your documentation and that you have a clear explanation of the amount owed. Remember to allow for credits issued, retentions held, and payments made.
Ask for Payment In whatever manner is stipulated in your contract, simply serve this claim on the client via at least two methods: express post, email, fax, courier and so on. If applicable, make the claim under the Security of Payment Act as it applies in your state. There is good value in adding a cover note informing the client that you are submitting this claim because they have been in breach of payment terms, and that your business cannot carry out its contract under these cash-flow conditions. The fact that the claim
There is a great line in the movie True Grit in which a young girl is bargaining with a business man. When he rejects her offer she threatens to ‘Take it to law’. He backed down. What is meant by ‘Take it to Law’ is that the matter will be decided by an external person or body that is empowered to decide the matter. In construction is commonly a court, adjudicator, or tribunal. Whichever way you go, the fact is that your client will have to explain themselves to an external person. The issue then becomes public to a certain extent. It is no longer a quiet dispute. It is still a rarity for non payers in the construction game to be forced to explain why they are not paying for the work. Either this will be enough to force a payment, or else the matter will be decided with some finality. But the good thing here is that both parties get their say and that the subsequent decision has authority and validity because of that. In our experience, more often than not payment will be made after such a decision. So do not spend too much time in quiet desperation, wondering if you’ll get paid. Cross the line and go after your money.
Anthony Igra
1300 669 075 contact@contractorsdebtrecovery.com.au www.contractorsdebtrecovery.com.au
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The Industry Idiots
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IMPORTANT
Contacts
Aussie Painters Network aussiepaintersnetwork.com.au
Ph. 0430 399 800
National Institute for Painting and Decorating painters.edu.au
Ph. 1300 319 790
Australian Tax Office ato.gov.au
Ph. 13 72 26 / Ph. 13 28 65
Award Rates fairwork.gov.au
Ph. 13 13 94
Fair Work Building & Construction fwbc.gov.au
Ph. 1800 003 338
Mates In Construction matesinconstruction.com.au
Ph. 1300 642 111
Workplace Health and Safety Contacts Comcare WorkSafe ACT Workplace Health and Safety QLD Victorian WorkCover Authority WorkCover NSW SafeWork SA WorkSafe WA NT WorkSafe WorkSafe Tasmania
comcare.gov.au worksafe.act.gov.au worksafe.qld.gov.au vwa.vic.gov.au workcover.nsw.gov.au safework.sa.gov.au commerce.wa.gov.au/WorkSafe/ worksafe.nt.gov.au worksafe.tas.gov.au
1300 366 979 02 6207 3000 1300 362 128 1800 136 089 13 10 50 1300 365 255 1300 307 877 1800 019 115 1300 366 322
actcancer.org cancercouncil.com.au cancercouncilnt.com.au cancerqld.org.au cancersa.org.au cancervic.org.au cancerwa.asn.au
(02) 6257 9999 (02) 9334 1900 (08) 8927 4888 (07) 3634 5100 (08) 8291 4111 (03) 9635 5000 (08) 9212 4333
Cancer Council Australia ACT NSW NT QLD SA VIC WA
2021 March Issue | 47
