NEW PUBLISHERS INGRID NELSON, BELINDA BRILL AND KARA DE SCHOT
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oy, are we a talented bunch here on the Sunshine Coast! You only have to flick through this month’s special arts issue to discover the wonderful dancers, singers, performers, artists and writers who call the Sunshine Coast home. Speaking of talent, I had the pleasure of chatting with our gorgeous cover girl, ABC radio personality Mary-Lou Stephens, who has recently released her first book Sex, Drugs and Meditation – an incredibly candid memoir of how she overcame a life of drugs, depression and addiction to discover the power of self-meditation and enlightenment. Her story will shock and inspire you. We also meet talented young singer, songwriter and self-taught guitarist Ziggy Alberts, who is quickly making his mark on the music scene. The sensational runner-up of The Voice, Darren Percival, shares his amazing success story in addition, and we meet two super talented dancers in their respective genres – champion ballroom dancer, Luke Brown, and prima ballerina, Sere Schultz.
Performer extraordinaire, Todd McKenney, who is set to take to the stage in Grease at QPAC next month, has the Last Word, and The Creek Tavern was the venue for our ladies at lunch this month where we got stuck into the right / left side brain debate. As always, we bring you all the latest in fashion, beauty, homewares and cars and there are lots of fabulous prizes to be won. We hope you love this issue of profile, the first under the new direction of Kara de Schot, Belinda Brill and yours truly. Supported with the amazing talents of the Profile team, we are passionate about continuing to bring you a quality publication each and every month. Last month we celebrated our fifth birthday milestone – here’s to the next five years and beyond. Who knows what we will achieve ... the future is bright and exciting and we are delighted to share this adventure with you. Cheers to the new and improved Profile Magazine!
INGRID NELSON EDITOR / JOURNALIST
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Meet the team KARA DE SCHOT CREATIVE DIRECTOR With 11 years experience Kara is responsible for the overall high quality look of the magazine, ensuring Profile remains the premium publication it is renowned for. She and husband Paul have an eightmonth-old cute-as-a-button son, Jay, who keeps them on their toes.
BELINDA BRILL BUSINESS DEVELOPMENT MANAGER Bubbly Belinda has been with the Profile team since 2010. With an intimate knowledge of the Sunshine Coast and its people, Belinda is the ‘go-to gal’ for anything that is happening on the Coast. Married to Nigel, they have two lovely children, Connor and Sofia. SUE BASE
ACCOUNT MANAGER
MAREE MCGRATH SALES MANAGER
Pocket rocket Maree joined the Profile team in 2012. Highly skilled and experienced in her field, Maree is passionate about getting the best results for her clients. She has a nine-year-old son Josh, who is the “light of her life”.
INGRID NELSON EDITOR With a varied journalism career over the past 13 years, Ingrid brings a wealth of experience to the Profile editorial team. Ingrid is responsible for Profile’s editorial direction and high quality journalism. Married to David, Ingrid is mum to three children, Chloe, Connor and Paris.
Account Manager Sue is Profile’s newest member. Hailing from a long and varied career in sales, Sue is a wealth of knowledge when it comes to ensuring advertisers get maximum exposure. Sue has two grown sons, Cenn and Bryn.
JOHANNA JENSEN GRAPHIC DESIGNER / FASHION EDITOR Talented graphic designer, Johanna joined the Profile team in 2011. With a keen eye for detail and a natural creative flair, Johanna is responsible for the beautiful design of the magazine. She is married to Troy and is dreaming of their next holiday!
What a treat it was for the profile girls to be pampered by the talented ladies from Strut Hair and Beauty, Maroochydore (www.struthair.com.au) and KJ Artistry (www.kjartistry.com). Their professionalism and expertise was second to none, and of course we also had a lot of fun. A big thank you also to Elegant Affair, Nambour for the beautiful clothing for our team shoot. Milana from Elegant Affair fit each one of us individually to best suit our different shapes and tastes. Thank you as always to Tanya Chesterton Smith for the beautiful images. 4
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in this issue
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10 people Darren Percival 12 view Luke Brown 14 future Ziggy Alberts 16 success Sere Schuller
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ladies at lunch
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cover – road to enlightenment Mary-Lou Stephens
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wealthy’n’wise business promotion
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the last word Todd McKenney
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17 TO 18 AUGUST
25 AUGUST
22 TO 25 AUGUST
TOUGH MUDDER
IT’S MY WEDDING EXPO
GYMPIE MUSIC MUSTER
Described as ‘the toughest endurance event on the planet,’ this challenge has gained a strong international following after launching in the US in 2010. Contestants can expect to be to be pushed to their limits in the 18-20km race, which includes wooded stretches, swamps and creeks and no less than 15 to 20 obstacles, set at Stockland Park, Caloundra.
The It’s my wedding Expo which takes place at Noosa Springs is a one-stop-shop for all Brides-to-be. With a wide range of exhibitors, two fashion parades and fantastic prizes to be won. Brides-to-be will find everything they need for their wedding day. Tickets cost $10 at the door.
Set in the Amamoor Creek State Forest, this much loved community celebration of music and camping promises to be the best yet with an exceptional line-up of talent, including Jimmy Barnes, Troy Cassar-Daley, Adam Brand and Catherine Britt. Soak up the bush atmosphere and enjoy the diverse range of entertainment at one of the festival’s ten venues. Tickets are upwards of $220 (two days).
www.toughmudder.com.au
www.itsmywedding.com.au
www.muster.com.au
travis schultz
therese tonkin, madeline hall, katrina palmer
lisa toomey, ingrid nelson, belinda brill
The fifth annual Schultz Toomey O’Brien Lawyers Wine Symposium What started as a formal gathering of friends and winemakers, five years ago, is now held in the Innovation Centre at the USC in order to accommodate the number of people who wish to attend. The event invites winemakers from all over Australia, to showcase their wines in an intimate setting which also provides a wonderful opportunity to network.
melissa cullen, sarah dibley, bet h walsh, craig walsh, ash a egan roger delaney, trevor larkins, sharon larkins, ronelle marten, neville martens
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if you would like your event to be featured in an upcoming issue of profile magazine please email the details to editorial@profilemag.com.au editor Ingrid Nelson
business development manager Belinda Brill
creative director Kara de Schot
graphic designer Johanna Jensen
sales manager Maree McGrath
account manager Sue Base
feature writers Tonia Zemek, Jessica Jane Sammut, Anna Rawlings (intern), Christie Lenz (intern)
25 AUGUST
29 AUGUST TO 1 SEPTEMBER
photography Tanya Chesterton Smith, Michelle Natoli
SUNSHINE COAST MARATHON
NOOSA JAZZ FESTIVAL
email or call / fax
The whole family can take the opportunity to get behind local charities this month by participating in the Sunshine Coast Marathon and Community Run Festival. Accommodating all abilities, runners can choose from 2km, 5km, 10km or half and full marathon distances while taking in the scenic course along our beaches. Last year athletes raised $150,000. This year the aim is to double that. Entry ranges from $25 to $130.
The best of the jazz industry Australia-wide will come together for the iconic Noosa Jazz Festival, delivering everything from traditional jazz through to new-wave indie pop, all set in scenic Noosa and offering the best of local gourmet cuisine. Among a host of acts, headliners include Idea of the North, Monica Trapaga and James Valentine. Adult tickets range from $95 single to $305 for four. Children’s tickets are $22.
drop in
www.sunshinecoastmarathon.com.au
www.noosajazz.com.au
info@profilemag.com.au or 5451 0669 / 5475 4405 Beach on Sixth, 104 / 65 Sixth Ave, Maroochydore
post PO Box 1065, Cotton Tree, QLD 4558
advertising 5451 0669, sales@profilemag.com.au
distribution 20,000 free copies are street delivered to high traffic areas such as high-end cafes, fashion boutiques, hairdressers and professional offices across the Sunshine Coast and Brisbane, monthly, and online along with an eMAG sent to 6000 inboxes monthly
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swan, Robert ‘Dipper’ DiPierdomenico, min e chris turner, debbie battaglini-clark
sami muirhead, chris turner
Bank of Queensland Half Time Wrap More than 400 people attended the inaugural BOQ Maroochydore Half-Time Wrap charity lunch held at Palmer Coolum Resort last month. Hosted by former Brisbane Lions player Richard Champion and Hot 91.1’s Sami Muirhead, the fabulous event helped raise much needed funds for local charity SunnyKids. BOQ Maroochydore Owner / Manager Laurie Clarke said the event received extraordinary support from local business people. Images Courtesy of Ben Connolly – Velocity Images.
danny and kim morrison
august 2013
“I absolutely love it! I never wear makeup or have time to have my hair styled and they have made me look glamorous, yet still me.” Mary-Lou Stephens A big thank you to the talented creative team who worked together to bring you the beautiful cover story images this issue. Hair: Platinum Scissors, Maroochydore Makeup: Colorpop Cosmetics, Maroochydore Clothing: La Vida, Mooloolaba Photographer: Tanya Chesterton Smith photography Location: The Spotted Chook, Montville
Profile Magazine is a free publication (subscriptions available) published 12 times a year by Think Publications Profile Mag Trust. All rights are reserved and the contents are copyright and may not be reproduced without the written consent of The Publisher, Think Publications Profile Mag Trust (“The Publisher”), their related companies and officers hereby disclaim, to the full extent permitted by law, all liability, damages, costs and expenses whatsoever arising from or in connection with copy information or other material in this magazine, any negligence of The Publisher, or any persons actions in reliance thereon. Any dispute or complaint regarding placed advertisements must be made within seven days of publication. Inclusion of any copy must not be taken as any endorsement by The Publisher. Views expressed by contributors are personal views and they are not necessarily endorsed by The Publisher.
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he says, she says
what are yours?
Whether it’s tying your tongue in a knot, being a ventriloquist or playing the spoons! - just about everyone has a hidden talent. Some remain just that, hidden, while others are proud to flaunt their unique skill. Todd and Sami from Hot 91.1FM share their hidden talents with us. sami and todd
he says
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hen I started looking into my endless list of hidden talents, my wife Michelle was quick to point out there’s a very big difference between ‘hidden talents’ and ‘bad habits’. Being able to play Coldplay’s Yellow on the piano? Hidden talent. Burping the chorus to Sweet Caroline? Bad habit. Cooking Beef Bourbonnais while showering the kids and folding the washing? Hidden talent. Drinking a can of bourbon in the shower while the kids fold the washing? Bad habit. Apparently. Then I had to really think about what a hidden talent is. I mean, some of mine are unpublishable here. So, putting all my bad habits aside to explore the hidden talent component is a tad tricky. I reckon I do a pretty ace Billy Connolly impression (really it’s 45 seconds of incoherent Scottish brogue, littered with swear words and always ending in the phrase “Ee up it’s dead-brilliant like”, but it’s ok). My kids also say my Scooby Doo ain’t too bad either, but my Shaggy could do with a bit of work. Another talent that I keep quiet is my magical powers of illusion. At work I give the brass the illusion that I’m busier than Julia Gillard’s real estate agent. I’m constantly walking around the building looking flat out when really I’m going from office to office using the Wi-Fi to load up the new edition of Angry Birds. My magical powers don’t stop there though. I’m also an expert at making a schooner of Gold disappear in under five seconds. When it comes to the athletic side of things I’m a bandit for table tennis (ping pong in old skool ‘80s chatter). I can and will dominate any person or persons willing to step into the Thunder Dome and take on the master of the paddle. But be warned, just because we’re friends doesn’t mean I won’t bring the rain. But enough about me, how’s this for a gem. I have a friend, Shagger, who can tie a cherry stem in a knot using only the tongue! Now that is talent.
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H
idden talents. Well let’s see. I can speed read. But that could just be due to the fact that I have a very short attention span. Perhaps I am more speed glancing. I am also ambidextrous. In saying that, both my backhands at tennis are pretty pathetic. And my final hidden talent is I am really good at catching peas in my mouth. That skill is thanks to many hours as a child being forced to sit at the dinner table until I had finished every. last. bit. That’s about all I can think of when it comes to my secret talents. However, I thought writing about only my talents was a tad self-indulgent and a splash boring, so I did a little research on famous people and unearthed some far more interesting facts. Did you know that Dr Seuss wrote Green Eggs and Ham only to win a bet with his friend that the famous author could use only 50 words in the book in various sequences? Woody Harrelson’s dad was a contract killer. Jennifer Garner can play a mean saxophone. Julia Roberts can play the clarinet and the oboe. Richard Gere can play the trumpet. Mark Beretta from Sunrise represented Australia in water skiing. In the name of research I did go to Facebook because quite frankly Google let me down for the first time in my life. There is actually a Facebook page called ‘Hidden Talents’. This should not surprise anyone as there is a Facebook page for everything, including one that tells you what Kate Middleton is wearing every day and one dedicated just to Burt Reynolds’ moustache. So, you can do a quick test on this ‘Hidden Talents’ Facebook page to find out exactly what hidden skills you possess. Well, it was not great for my self-esteem as I flunked most of the random categories, which included ‘Being able to swallow needles’, and ‘Being able to touch your forehead with your tongue’. But the final category that left me rolling in fits of laughter was the question ‘Is your hidden talent the ability to be a multi-tasker, performing several things at once?’. Hello! It’s called being a woman.
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people
ll words jessica jane sammut With a musical career spanning over 25 years culminating in runner-up status in the TV series The Voice, Darren Percival has walked along the pathway of dreams for many, but it hasn’t always been easy. Although courage, discipline and belief have often walked by his side, Darren admits this has taken work, as Jessica Jane Sammut discovers.
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hen you think of Darren Percival, what comes to mind? Crooner? Soul brother? Swing sensation? A talented musician who won the hearts of the nation as runner-up of the first Australian television series of The Voice, Darren is a cool dude with a ferociously determined mindset – a unique combination which has lead him to where he is today, rubbing shoulders with the cream of musical talent in Australia. Born in Sydney, Darren was always a bit of musical geek. “I loved the arts. My neighbours balanced out my parents love for Neil Diamond and Glen Campbell with a healthy dose of Michael Jackson, ABBA, Dragon, KISS, AC/DC, Cold Chisel and The Band! “Growing up in the ’70’s near Parramatta made my life real, and when we moved to Mexico in the early ‘80’s, the spontaneous nature of the local musicians set my love for singing on its course. It was around the fireplace that harmony and ancient melodies reigned with such delight, and I knew none of the rules. This was utterly liberating. Living in Mexico for three years was a pivotal moment creatively for me.” Returning to Australia in 1984, Darren started at North Shore High School in Sydney, continuing to nurture his love for music and expanding his talents to the piano. “The next few years were the foundation of my career. I didn’t stop – everyday learning how to perform and sing and play. It was a very inspiring time. After graduating in 1989 and not achieving the marks I needed to attend the art course I was interested in, I joined a local jazz band and started singing the standards. They were the songs I knew from my childhood. “Shortly after, I met Australia’s jazz legend James Morrison. James and I started to work together and before I knew it, we were touring the world, performing live and making albums!” After over a decade of touring, Darren made his way to the studio and brought his original material to a band he had started. There were various incarnations during this time and all the while he was teaching vocals while singing on jingles and other artists albums as a backing vocalist. “It was time to take a moment and catch my breath. Walking on stage alone was not something I thought I could do, but I wanted to feel what it was like.” In 2004, Darren followed his dream and travelled to New York to study with the legendary vocalist Bobby McFerrin [of ‘Don’t Worry, Be Happy’ fame]. On returning home, he developed unique spontaneous vocal creations surrounding the musical technique known as vocal looping, for his live show Out of the Loop. These solo shows propelled him onto the biggest festival stages around Australia and onto the national touring scene. “I studied in NYC with Bobby McFerrin to focus on my vocal looping ideas
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and returned to Australia to pursue a solo career. From 2003 I released three solo albums in this regard – recordings to accompany my live concerts as Mr Percival, my looping artist alter ego. The music I have made represents the artist I have become … original, soulful and filled with joy.” In November 2011, Darren relocated from Sydney to Coolum, a place he describes as his “spiritual home”, and it was soon after this that the call came from the executive producer of The Voice, asking him to audition. “When I found out Keith Urban was a judge, I knew I had to do it,” smiles Darren. “I greatly respect Keith – he is an excellent musician and so I hoped I would be able to work with him. From February 2012 to June 2012, my life was turned upside down filming The Voice, and I was thrilled to be voted runner-up! From the boy who had dreamed of big shows and success in the industry, this was certainly a highlight in my career and gave me the exposure that I had craved. “My time on The Voice could only have come about by my having had all of my experiences to delve into and dwell upon. I had travelled a long road. But it was worth it – the empty venues, the lost luggage, the delayed flights, the unpaid gigs, the devotion to persevere, the ride, it was all worth it. They say life begins at 40, but nobody told me it was all going to take place all at once. BOOM, 2012!” Since then, Darren has been in high demand, working around the clock touring. His debut album Happy Home went Gold, making its way into the ARIA album chart at number three, while his current album ‘A Tribute to Ray Charles’ has been a smash hit in addition. He also went on to win Male Vocal Performer of the Year 2012 at the Australian Club Entertainment Awards. He’s on a roll. A family man, with his wife, Amanda, and two children, Cash, four, and Willow, two, Darren’s focus now is to continue to grow and push forward, embracing the evolution of his creative persona. “I believe we all have a purpose and that is what we are here to do. I know this because I have lived it. It takes bravery to follow your purpose. There are a lot of people doing things they do not want to do. The distance between doing that and following your calling is not that far. We really only have this day, this moment. I believe in choosing happiness; in choosing to have the courage.” Darren Percival is one talented, successful and sweet guy. A shining example of what can happen if you put your mind to it, Darren has quite rightly become the darling of soul here in Australia and understandably we can’t get enough. As, I say. Crooner? Soul brother? Swing sensation? That’s right. This man can only be all of the above.
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luke and his long-time dance partner, younger sister, bianca
Luke Brown has choreographed an amazing life for himself. After winning a string of ballroom dancing awards locally and nationally, he went on to grace the dance floors of Britain. This is one 25-year-old in step with his dreams. Tonia Zemek makes room on her dance card to cut a rug with Luke.
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words tonia zemek
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he chicken dance, macarena and YMCA make up the trifecta of my dance floor prowess. Once the DJ covers those, I’m usually hot-shoe-shuffling it back to my seat. So my two left feet and I are a tad nervous when Luke Brown, head coach at Templeton Dance Studio, tries to tempt me to extend my repertoire. “I’ve got no rhythm,” I protest. “If you can walk and not fall over, you have got rhythm,” Luke explains. “If you walk around the house and then quicken your step when you’re running late, then you obviously know how to respond to a changing beat.” Golly, maybe there is hope for me yet! Luke makes an excellent (and encouraging) teacher – after all, he’s drawing on 21 years experience as a ballroom dancer. His passion for dance began as a four-year-old at his uncle John Templeton’s studio in Eumundi. “Uncle John was a South Pacific champion ballroom dancer and built
his own dance studio on his ginger farm,” Luke tells me with great pride. Luke’s parents met on that very dance floor and went on to become successful dancers in their own right. Fast-forward some 16 years, and Luke teamed up with his younger sister Bianca. Luke says the pair were incredibly compatible on the dance floor. He admits his strength was technical, while Bianca had that X-factor you just can’t teach. “There is no Luke Brown without Bianca Brown. She’s played a pivotal role in all my achievements to date.” Those achievements are certainly impressive. The pair scored a number of state and national championship titles and also competed in the 2010 World Championships in the UK. “It was an unreal experience. Here we were, just two kids from the Sunshine Coast, representing Australia against the best in the world,” he recalls. “We were elated. For us it wasn’t about winning, it was just about enjoying the moment.”
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ling e e f e h t know luke brown
That event was the pinnacle of a year’s intensive training – seven days a week, three hours a day. According to Luke, elite dancers are just like elite sportsmen and women. They all work in a highly competitive industry that focuses on a combination of physical strength and plenty of rigorous preparation to ensure they’re ready to perform at their peak. In fact, Luke tells me there’s an ongoing push to include ballroom dancing (or ‘DanceSport’ as it’s officially recognised) in the Olympics. Who knows, Luke might already be training a prospective medallist. Although he retired from competitive ballroom dancing a couple of years ago, he now relishes his role as an instructor at Eumundi’s Templeton Dance Studio. His youngest student is just five years of age and his eldest charge is 77 years young. “In my life, I have had the amazing opportunity to learn from the best Australian and international coaches and it’s nice to be able to share that knowledge,” he says. “I really like seeing people enjoying themselves on the dance floor. When they smile, I know it’s pure joy for them and that is something I thrive on.” Some students take away much more than choreography. Luke says improved self-confidence, posture and poise are just some of the greater life skills his students walk – or waltz – away with. These added extras have fuelled a new passion for Luke. “I really enjoy doing motivational speaking and talking to young people to show them that success from a young age is attainable,” he says. Already, he’s enthralled local audiences with keynote speeches at high schools and youth events. He’s also well known in other corners of the community. His participation in the Hear and Say Centre’s Dancing With The Local Stars saw him partner with Profile founder, Genine Howard. “She was a fantastic student. Genine really is a dedicated, passionate person and she gives 100 per cent all the time. I was in awe of her commitment. We struck up a great friendship.” It turned out to be a winning combination with the pair taking out the 2011 championship and Genine being awarded the highest fundraiser. Alongside his dancing, Luke has had an ongoing interest in engineering and today works part-time with Amerro Engineering. Ever the high-achiever, after completing his apprenticeship as a fitter and turner in 2009, he took out the Harry Hauenschild Apprentice of the Year Award. Back on the dance floor, Luke has some clear goals for the future of ballroom dancing. “I want to promote dancing as a family sport. It’s something mum, dad, kids, uncles, aunts, nieces and nephews can all enjoy together.” More and more, Luke is being asked to come along to family get-togethers to conduct dance classes as part of the celebrations. He tells me of a recent 80th birthday party where family members from Adelaide to France were reunited. “Some of those relatives had never met and they spoke different languages.” Before long however, the group had built a wonderful rapport, all thanks to Luke and the unifying power of dance. “It was unbelievable how well they were engaging on the dance floor.” I’ve been looking for a way to celebrate my upcoming birthday and something tells me I might just have found it. Now where did I put those dusty dance shoes? august 2013
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profilemag.com.au Ziggy Alberts
future Ziggy Alberts has music in his veins, surf in his blood and lyrics in his heart. This young Sunshine Coast local is hitting some serious high notes as an up and coming musician, but behind the blue eyes, beaming white smile and incredible voice, hides a special soul. Anna Rawlings spent time with singer, songwriter, self-taught guitar player, published writer and surfer, Ziggy Alberts, to hear about his journey and why, for the first time, he is truly happy.
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fter just two minutes in the company of 19-year-old Ziggy Alberts, I am captivated. Behind the chilled-out beach-blond surfy persona lies a harmony of wisdom, selfawareness and a maturity rarely found in someone so young. Ziggy’s roots are well and truly grounded in his native Sunshine Coast, which he has called home for 19 years. Raised in Warana before moving to the north end of the Coast, Ziggy was not your average grommet. “I was home-schooled until year 10,” he shares, the choice of his father, Tim, a computer programmer, and mother, Hungarian-born Csilla, a homeschooling consultant, writer and public speaker. One of six children, four of whom were also home-schooled, Ziggy and his family became very close, learning to appreciate all they had, and choosing not to celebrate birthdays as a sign of their commitment to treating each day as a special gift. “The decision to home-school was a result of my parent’s upbringing,” Ziggy explains. “Mum escaped Communist rule when she was young and took the initiative to give us the quality of life she had never had.” Ziggy holds a strong belief in the benefits of being home-schooled. “I wouldn’t have handled school as a grommet because I thought too much … I still think too much,” he laughs. “Some teachers, harshly but honestly, are poor human beings and some are amazing people, and Mum would say the same. But, who better to help someone become a complete human being than your own parents?” When he did go to school, Ziggy adjusted well. “It was a fairly easy transition as I had a sense of who I was as a person. I did feel lonely at times because I worked hard and put a lot of pressure on myself to prove people wrong and beat the system. “Everyone cares to a certain extent what people think of them but simply, for 10 years I wasn’t in the school system and for three years I was.” And he certainly found success in those three years, graduating with an OP5. But it didn’t stop there. The kid who rocked up to advanced maths class with wet hair from surfing kept up the hard work. Fresh from graduating he spent several stints in Sydney and interned for a magazine, followed by writing for published blogs, shadow writing for his surfing photographer friends, and penning online articles through his work as a freelance writer. His talent of putting pen to paper certainly came in handy when in 2011, his parents gave him a guitar. “I picked it up, learnt some basic chords, watched some YouTube videos, channelled my creativity from my writing and reformed it all into creating music,” he says. Ziggy, a left-handed guitar player, started hitting all the right notes with his soulful ballads. “I am inspired by many different genres. My earliest influence would be Horror Show (a rap band), and from there Bon Iver, Daughter, Ben Howard and also my friends – both musical and not.” Ziggy recorded a few songs at a friend’s studio, before his momentum grew, reaching over 52,000 views on YouTube and a single launch on Triple J Unearthed, followed by the release of his EP in 2012, which was successful enough to allow him to quit his day job as a coffee barista to follow a crazy schedule of tours in Newcastle and Byron, as well as playing some of the more high-profile music festivals. From the outside, Ziggy had it all. He was a young, good-looking, single guy living the dream: a successful musician, gifted writer and talented surfer, complete with sponsors and
august 2013
photographers. But it was then he hit a low note. “I was in a pretty dark place at times,” Ziggy explains. “There was a five year period when I was taking up to four tablets a day to cope with stress and anxiety. Even my relationships only provided me with short-term happiness. “There were definitely some negative emotions coming through in my music. My music and my maturity have evolved now and I am writing from a much better place. It is easy to write sad, almost anyone can. I haven’t grown up, I have grown on. For the first time in five years, I am happy as the person I am within what I do,” Ziggy says honestly. Ziggy’s journey has struck a chord with his growing base of fans and followers, connecting with them on social media, and inspiring them along the way. “People open up to me after a gig when I play a song that resonates with them,” he says. “My music is completely selfish, but without trying, shares and gives to others. That’s pretty humbling. What you see is what you get with Ziggy. “The marketable side of Ziggy and personal side of Ziggy is pretty much the same person right now,” he confirms. “I have slept three hours at night at times, played 60 shows in 13 weeks, surfed every day and driven over 1000kms in a week, but I’m not stressed anymore. I’m opening up new pathways both vocally and lyrically; it’s something I work on every day, but I’ve been really focused on not adding extra stress to situations. That’s probably my biggest achievement.” The songs that Ziggy performs to his enraptured audience don’t write themselves, however. “It has taken a little bit of luck, a stupid amount of hard work, and so many hours of my time and commitment to get to where I am – it wasn’t accidental.” “I am at the top of the iceberg. I haven’t even hit the ocean – there is a whole depth to explore, and this constant learning process is so exciting.” And with those words of wisdom, his self-drive and raw talent, this is just one verse that has been written in Ziggy’s song of a lifetime.
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success
The training is full-on, there is a lot of sacrifice, but it will be worth it!�
words jessica jane sammut
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photography chesterton smith photography
The Coast is brimming with talent, but there is nothing that raises a smile quite like that of a youngster tipped for big things. Jessica Jane Sammut meets Sera Schuller, the ballerina whose career looks set for dizzy heights as she dances on the world stage at 16 years of age.
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era Schuller is what every little girl dreams of being – a ballerina. The swathe of tulle, the flash of baby pink, the sprinkling of hair glitter, the cloud of prettiness … it’s the true embodiment of girly bliss! Except, it isn’t just a puffball of heavenly fairy floss (well, it is but it isn’t only that). It is hard work, it is highly competitive and it is a skill that takes hours of perfection. Just ask Sera. Raised in Caloundra, Sera, 16 is being touted as one to watch on the dance scene, having just returned from the worldwide competition, Prix de Lausanne, based in Sweden where she made such an impression she was awarded a year’s scholarship at a prestigious Swedish ballet school – a terrific international achievement for a young girl from the Coast. “I have been dancing all my life,” smiles Sera. “I began dancing when I was five years old doing jazz and tap, however it wasn’t until later that I got into ballet. In fact, at seven years old I tried ballet, but I didn’t like it! I rejoined a ballet class when I was 10, and something just clicked. I haven’t look back since.” A keen student of the Suncoast City Performing Arts Centre (SCPAC), Sera was always noted to be a dedicated student, taking ballet, jazz and tap exams while practicing tirelessly for days on end to ensure her technique was the best that it could be. Within only two years of taking up ballet, Sera was ready to compete in the Brisbane Performing Arts Challenge, and although she was not successful that year, the following year, she tried again and amazingly won the intermediate section, battling against girls who had been studying ballet for most of their lives. “I was extremely excited,” recalls Sera. “My hard work was paying off. I competed again the following year in 2012 and came third in the competition, taking part again in 2013 where I came second. “In the meantime, I had heard about the worldwide ballet competition, Prix De Lausanne, but was not certain I would be good enough to get in. As a global competition where only 80 dancers are selected to compete, I dared august 2013
not dream of being chosen. But I went ahead and auditioned, and amazingly I was one of only eight Australians who made it through. I couldn’t believe it. I was going to Sweden!” Attending an intensive week’s session of classes, performances and assessments at the Prix De Lausanne, Sera was incredibly awarded a muchcoveted ballet scholarship for a year at a renowned Swedish ballet school. “I was blown away. The competition had been so fierce with such highly talented girls from around the globe representing, that I could not believe I had been chosen for a scholarship!” No mean feat for a girl who had almost decided against entering the competition because she thought she might have needed more training first. Deciding against taking up the scholarship, however, in favour of remaining closer to home (an understandable outcome in light of Sera’s age and distance from home), Sera says it has given her the confidence to aim professionally with her next sight set on making it into the pre-professional year at the Queensland Ballet – an audition she will undergo in September. “My goal is to be a professional ballerina,” smiles Sera. “The training is full-on, there is a lot of sacrifice, but it will be worth it! I am still continuing with my jazz, contemporary and acrobatic dance forms in addition to my ballet, and have nearly completed my diploma of dance through the Queensland Dance Performing College, so there is lots going on at the moment. Dancing is my life.” This is an already amazing tale of a local Sunshine Coast girl who at the age of 16 is dancing on the world stage, aiming to mix it with the biggest companies on the planet. Sera is in the talent pool and paddling fast, and we fellow Coasties couldn’t be prouder. Possessing a quiet determination and focus that many of us don’t even manage to harness when we are years older, here she is, standing tall. It is inspiring to watch. And so we will – watch this space. Sera Schuller, see you at the Opera House. profilemagazine
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ladies at lunch
ood “It’s probably g tive that I’m not crea lanner as a financial p could and advisor – it a lot of get people into trouble !” Sandra Wills
Ladies at lunch is proudly sponsored by
WEALTHWAYS, MAROOCHYDORE
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VENUE The CRK Tavern
1. leanne fitzpatrick 2. sandra wills 3. sheree johnstone 4. crispy skinned grilled barramundi 5. terri carr 6. majella coleman 7. ingrid nelson
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RIGHT VS LEFT SIDE BRAIN WHAT ARE YOU?
words ingrid nelson ll photography tanya chesterton smith ll sponsored by boq maroochydore and wealthways ll venue the creek tavern, mountain creek
Left brain – uses logic, practical, safe, mathematical; Right brain – uses feeling, fantasy-based, creative, impetuous. Most of us claim to have a right or left side dominant brain, but just how true is this theory? With this month being our special arts issue, I thought it was the perfect time to ask our lunching ladies what side they thought defined their personality. Needless to say, it was an interesting discussion!
char sui pork belly
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ailing from an Irish musical family, and with both parents professional entertainers, it was almost a given I was set to follow their creative / right brain traits. It’s no wonder maths was never my forte! I had the pleasure of catching up with a gorgeous bunch of ladies over a delicious lunch at the CRK Tavern, Mountain Creek for their thoughts on the matter. Co-hosting lunch was the lovely Sandra Wills of Wealthways and joining us was Sheree Johnstone, director of new Mooloolaba boutique, Burnish; Majella Coleman of Squire Development Group; Leanne Fitzpatrick, practice manager of Lavish Cosmetic Surgery Clinic, Minyama; Terri Carr, director of Ballinger Training and Consultancy; and last but not least, our lovely Profile photographer, Tanya Chesterton Smith. profile: Ladies do you give credence to the left / right brain theory? And what side are you? sandra: I do believe in the left and right side brain debate. I am very much logical, mathematical. I am not a creative person but I envy people who are. It’s probably good I’m not creative as a financial planner and advisor – it could get people into a lot of trouble! I have always had a very definitive thought process and am a deep thinker. terri: I am a bit of both. When I go to the supermarket, I have to go the same way every time. Don’t make me skip an aisle! But I am good at using my creative skills for problem-solving, so I am probably a little bit of both. It’s the Gemini in me. leanne: I am logical and a thinker as well. Maybe I’m a bit of both too! My husband recently asked me to change brushing my teeth from the right hand
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ladies at lunch
e “When I go to th have supermarket, I ay to go the same w ’t every time. Don n make me skip a aisle !” Terri Carr
sheree, majella, ingrid, sandra, leanne and terri lunch at the crk tavern
to the left to show me how you can change. Try it for three weeks. You start off slow and awkward but by the end, you are brushing like normal! It’s amazing. tanya: I am definitely right side. In fact, I don’t think I have a left brain! I am so bad with directions. In fact my GPS is broken, so it’s terrible. My dad always jokes about it with me. My parents used to drive me to my nana’s house for years and when I finally got my drivers licence I had to ask for directions how to get there. I am such a dreamer, I would be too busy looking at all the wonderful things out the window to pay attention to where I was going! majella: I’m probably a bit of both. Maths was not my forte at all but I was always creative at school. I loved drama and art. I am also very organised though. I love my lists! sheree: I love writing and photography and art. It comes effortlessly to me. I love movies like Lord of the Rings and I love stage musicals. Les Mis changed my life! So, I guess you could say I am more right side. So there you have it folks, it seems that for most of us at least, a dominant right or left side brain definitely shapes our personality traits, characteristics and thought processes. Whether that is determined at our very conception or is environmentally-shaped is still open to debate. Just as well we are all different though, it’s what makes the world go around after all.
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THE CRK TAVERN
The CRK Tavern is one of the Coast’s best kept secrets. With its new cosmopolitan setting and gourmet menu, the dining facility can seat 140 patrons comfortably. The kids are welcome too, with a kids room, including newly-released games and face painting on Saturday nights, and a largescreen television to keep the little people occupied the adults enjoy a meal. Conveniently located, spacious, modern and offering a fabulous menu and wine list, it was the perfect venue for us lunching ladies. Taking pub dining to a whole new level, the food and service was top class. During our visit, Manager and co-owner Paul Sawczuk could not have been more accommodating, treating us to samples of delicious Tomich wines (Sam Tomich of Tomich wines is co-owner of the tavern), making us ladies feel right at home. It’s a shame we also were all driving so we couldn’t indulge too much. We kicked off our gastronomic experience with a selection of mouthwatering entrees from the menu including oysters and an Asian tasting plate with succulent duck spring rolls, salt and pepper calamari, curry puffs, scallop moneybags and other such treats, served with a Thai dipping sauce. The grilled NT barramundi was a firm winner for glorious mains and it didn’t disappoint. Freshly grilled and served on a bed of roasted kipfler potatoes, with broccoli and a citrus and avocado salad on the side, it was simply sublime. Tanya’s char sui pork belly (marinated and slow cooked) served on a chive mash potato with sesame wilted bok choy and Chinese barbecue sauce, got a big thumbs up. If the clean plates at the end of our meal were anything to go by, everyone thoroughly enjoyed their selections. And just when we thought it couldn’t get any better, Paul surprised us with a plethora of delicious desserts. The tiny morsels of sheer bliss were washed down perfectly with the delicious Tomich dessert wine that had been chosen to match – the perfect end to our lunch. I thoroughly recommend you pay the CRK Tavern a visit. You won’t be disappointed, and don’t forget to sample the wine! The CRK Tavern, 17 Karawatha Drive, Mountain Creek 5478 1333 www.thecreektavern.com.au
selection of delicious desserts from the crk tavern
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WIN BOUTIQUE GIFT VOUCHERS
You have to be in it to win it! Head to www.profilemag.com.au to enter the draw to win one of the fabulous prizes on this page.
Kathy Subic is the founder of Victorian-based designer brand, Zeega (www.zeega.com.au), created with ecological, ethical and sustainable values in mind. Only the highest quality natural fibre fabrics are used, which are pre-washed and pre-shrunk so garments are machine washable. Zeega and profile are offering readers the chance to sample Zeega products for themselves, with two $350 gift vouchers to give away.
WIN PERFORMANCE JOGGING STROLLERS
WIN A TERRIFIC LEARNING SET Spielgaben (www.spielgaben.com.au) offers a play-based learning solution to children, targeting ages three to twelve, by providing educational aides with learning materials. Each set incorporates previous concepts and lets a child explore numeracy, construction and cognitive play while becoming familiar with mathematical concepts such as division, fractions, structure, shape, lines and length. One profile reader will win the complete 13-set package valued at $595!
Leading nursery brand, Britax Australia (www.britax.com. au), has recently launched a new BOB range of jogging strollers onto the market. The Revolution SE and SE Duallie are ideal for everyday use, off-road adventures and jogging, whereas the Ironman is perfect for the serious runner to take off-road and across tough terrain. Profile and Britax are offering one active profile reader the chance to own an Ironman performance jogging stroller, valued at $599.
WIN A FINISHING COURSE
WIN STYLISH-TOP HEATERS With a combination of simplicity of design and modern functionality, BeyondCool (beyondcool.com.au) has created a range of Brasa Avani portable table-top heaters suitable for both indoor and outdoor use. The heaters are fuelled by eco-friendly bio-ethanol (methylated spirits). Profile magazine and BeyondCool are offering readers the chance to own one of these Avani eco-friendly table-top burners, valued at $399 – complete with Brasa lighter, controlling wand tool and aromatherapy functionality.
Serena’s Image is offering one reader the chance to complete a Stage One Finishing Course, valued at $595. The winner will learn about good posture (to enhance stamina and strength), how to build self-esteem and positive body image, how to enhance features with make-up, the essentials of a great wardrobe, how to dress for style and occasion, how to colour-match for complexion, and will also undergo voice, speech and etiquette training (www. serenasimage.com.au).
cover story on cover mary-lou wears one season positano dress, RRP $139.95. available from la vida mooloolaba. phone 5444 8833 this page mary-lou wears belle top by luisa clare and accessories from la vida mooloolaba. hair by platinum scissors, cotton tree (www. platinumscissors.com.au). makeup by colorpop cosmetics (www.colorpopcosmetics.com.au).
I take a breath instead of reacting and make a choice. By doing this I have changed my life, saved my job and found a husband.�
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ll words ingrid nelson ll photography chesterton smith photgraphy ll hair platinum scissors ll makeup colorpop cosmetics
Never judge a book by its cover – the old adage couldn’t be truer of respected ABC radio personality Mary-Lou Stephens. Her recently released memoir, Sex Drugs and Meditation, offers an incredibly honest and candid account of her life story so far. Readers are taken on a roller coaster journey of her transformation, from a life of self-hatred and addictions, to self-discovery and enlightenment through meditation. Ingrid Nelson was lucky enough to get to know the talented local over coffee at Cotton tree recently.
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ime to stop, time to breath, time to discover who we really are and what makes us truly happy – it’s a luxury not afforded to most of us these days in the fast-paced world we live in. But being busy means we are successful, doesn’t it? It makes us important, right? Well, actually no! It’s something that has taken talented actress, singer, guitarist and author Mary-Lou Stephens spent more than half a lifetime and several meditation retreats to discover, and she shares her remarkable story with us in her wartsand-all book, Sex Drugs and Meditation. But let’s go back to where it all began for Mary-Lou. The youngest of six and raised in an evangelical family, Mary-Lou’s childhood memories are far from idyllic. In fact, she concurs it was the catalyst for her lifetime of addictions, relationship problems, self-doubt and blame. “My mum had a lot of children – I think it drove her to religion to be honest! She just needed something to help her cope and being the interesting artistic woman she was, she decided that the charismatic church, with all its drama, was really appealing. I grew up being told I was a prophet from when I was eight years old. august 2013
“I think there were too many of us to control. It was a matriarchal family; she was more interested in her religion really. My older sister says mum was strict on her, but by the time it got to me I think my mum was exhausted to tell you the truth, so I was pretty much left to my own devices. When you are a little kid and you are not given any boundaries or interests, it’s not a good thing. You crave that attention. “All of those addictions stemmed from me trying to feel better, trying to find some connection or love. I got into drugs and they filled that void, they gave me a sense of being numb and deadened the pain a little – a buffer if you like.” Having left school in Hobart, Mary-Lou was lured by the bright lights of Sydney. It was to be the beginning of her undoing. “I left school and went straight to Kings Cross and was hanging out with punks and drug dealers. I remember it was the first time I had heard the band The Stranglers and I was mesmerised. I asked the punk next to me what the sound was and he said ‘That’s the bass guitar’ and I thought ‘That’s what I want to do!’. That was when I discovered the guitar. I had done a lot of singing and acting, but the guitar really sucked me in.” After many years with different bands and a stint at the Victorian College of Art, Mary-Lou found herself at a crossroad after the break-up of her long-time band. As fate would have it though, a chance meeting with an old acquaintance was to be the start of a very promising career in radio. “It came as a complete surprise. I really didn’t know what to do with my life. I was devastated and I thought I had no future. I had worked in dead-end jobs so I could tour with the band. I was in my mid 30s and I knew how much work it was to start from scratch. “It was through a series of events that I found myself at the memorial service after the Port Arthur massacre and ran into the reporter who was doing the outside broadcasts for the ABC – we were old friends. We went to lunch afterwards and he said ‘Mary-Lou, you need to be in radio’.
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It was a light bulb moment and the rest, as they say, is history. From then on every door just opened for me and everything fell into place. It was like it was meant to be. I had been hitting my head against a brick wall for so long with my music and this door opened without me even trying.” However, Mary-Lou is the first to admit it wasn’t all plain sailing. Having studied for a year at the prestigious Australian Film, Television and Radio School in Sydney, she was thrown in at the deep end during her first radio gig and she panicked! “During my first two weeks in my first real radio job, I thought I had made such a dreadful mistake. It was much harder than I had ever imagined. I called up the radio school and said ‘I can’t do this’ and my mentor said ‘Oh don’t be silly Mary-Lou, just get on with it’. And I did.” Having spent the majority of her life in the limelight in one capacity or another and being well-versed in casual banter with the band on stage, Mary-Lou felt completely at home behind the microphone. It was a natural fit. She beams when speaking of her current position with the ABC. “I just love my job and I love working for the ABC. They are always so open to suggestions. I love coming up with an idea for a segment and being told, ‘Yes you can do that!’. I meet such fascinating people too.” But it wasn’t always this way. The early days at ABC saw Mary-Lou working under a boss she found abhorrent – fictitiously named Mr Purvis in her memoir. He was the reason she turned to meditation for guidance and direction. “People still ask me who he is,” she laughs. “It was ten years ago and he has moved on and I have changed all names to protect privacy. It is based on fact though. He did exist!” Desperate to remain in the job she loved, she made the decision to attend a ten-day silent meditation retreat she had heard of at Pomona to find some answers. And she did, discovering much more about herself than she could ever have imagined in the process.
I got into drugs and they filled that void, they gave me a sense of being numb and deadened the pain a little.” 28
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I remember someone once said, ‘Have you ever smoked Mary-Lou?’ and I replied ‘Oh yeah, when I did heroin it really added to the high’. People’s jaws literally dropped.”
“I realised I hate to be told what to do. I can’t stand it, it drives me nuts!” Mary-Lou says dramatically. “I have had a problem with every boss I have ever had! “I also discovered I had always blamed everyone else for things that had not gone my way – always thought I was the victim. The realisation that I could change this was quite a powerful revelation during one of my many meditations at the retreat.” Although Mary-Lou admits the meditation course was incredibly hard some days, she was determined to see it through to the end. “It was really tough to stay and I wanted to leave so many times, but I knew I had to change, and blaming everyone else was not working. I realised I was the only person that could change things. I needed to look within. I loved my job so much and I wanted to stay there. “I now know how to pull myself up really quickly and turn a situation around so I can do something about it. If I am blaming someone else, they are in charge and in control, but if I spin it around and think ‘What is my part in this and how can I change it?’, I have all the power. These days I take a breath instead of reacting and in this way, I make a choice. By doing this, I have changed my life, saved my job and found a husband.” Mary-Lou tells me that perhaps one of the most important lessons she has learned is that sometimes we need to do absolutely nothing to change everything – and she runs library sessions to teach people just that. “It’s incredibly simple, and for myself for the most part, it’s such a gift to be still and be quiet. To have had ten days where I didn’t engage with the world as I normally would have, gave me lots of time for reflection. “Even in this conversation with you now I am wanting to impress, wanting to be entertaining. We do this constantly. Very few people actually say what they are thinking. If they did, the world might be a tough place to live in. So there is a bit of disconnect between thought and word. Meditation teaches: what we think so we say, what we say so we do, what we do we become. It’s nice not to put that chain in action, just staying with our thoughts. It’s about mastery of the mind.” The first draft of Mary-Lou’s memoir was completed in 2006 and Mary-Lou had some great advice from a literary agent who told her if she was going to write the book, she needed to be completely raw and honest. “I was just not ready for that back then. I rewrote many drafts before it became the book it is today.” What a brave thing to do. I ask her how she felt about opening up and sharing her story with the world, warts and all. “It was really scary. Most people who know me had no idea about my background, and I was really concerned about the ABC also. The Courier Mail article came out with a picture of me and a quote about using heroin! august 2013
But the feedback from everyone was great.” She laughs at the memory of testing her work mates’ reactions when she was deciding what was going to be in her book. “I remember someone once said, ‘Have you ever smoked Mary-Lou?’ and I replied ‘Oh yeah, when I did heroin, it really added to the high’. People’s jaws literally dropped. “I remember waking up in the middle of the night in a sweat and saying to my husband, “Everyone is going to know I stole from a charity!’. And he replied, ‘You are worried about that, with everything you have revealed in that book? Don’t be ridiculous, you paid it all back!’ And I did.” Having read the book voraciously over two nights (it is hard to put down!) there are so many great words of wisdom I took from Mary-Lou’s book. I ask her what message she wanted readers to take away most from her memoir. “We create our own misery, and meditation helps us to realise that and gives us the ability to choose happiness instead. “I’ve been very good at creating misery – by regretting the past, worrying about the future and, if I didn’t have anything to be scared of or concerned about, I’d make something up. Crazy! Meditation gives me freedom from that misery. Meditation helps us to realise how our minds work and gives us the ability to watch our minds instead of going into reaction and negativity. “You know when a toddler hurts themselves, not badly, and you can see them think about whether to be upset about it or not, before they turn red, open their mouths and start bawling? You know you have those few seconds to distract them so they won’t think about that bump on the head. If you’re lucky, you can head them off at the pass thus avoiding a whole heap of noise and mucus. That, believe it or not, is what meditation can give us – just a few seconds of detachment to think about the choices we have. And that’s the key. Choice. “Through meditation we learn that we don’t have to be driven by automatic reactions. We come out of the habitual pattern of our minds, the endless treadmill of cause and effect, and get enough space to look around and go, ‘What do I really want to choose here?’. It’s a very powerful thing. Saying that, I still react to things, and sometimes badly. I get angry and resentful and hurt, but I now have the ability to observe myself being all of those things. “As far as being interviewed about the contents of the book, sometimes I admit I do have to take a couple of deep breaths. But you know what, people can judge me and that’s ok, they will never judge me as hard as I judge myself.” Mary-Lou Stephens, who are we to judge? You are truly an inspiration. Mary-Lou is of fering readers the chance to won one of three copies of Sex, Drugs and Meditation, RRP $32.99. Simply go to www.profilemag.com.au to enter. profilemagazine
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the ladies text drive the kia cerato
ll photography michelle natoli, inspired
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In the driver’s seat: Wendy Miller In the Sunshine Coast business community, Wendy is known for her professionalism and personal approach when working with businesses and their owners. Wendy is currently running her own business, completing projects of varying degrees in industries such as IT, training and personal services. She believes in the value of business partnering and leads the way in providing exceptional customer service and support – all whilst having fun along the way. 30 profilemagazine
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It’s a girl’s night out and we’re ready for some fun! Between the four of us girls, (Laura Avery, Louise Collins, Lisa Shepherd and myself), there are over 25 years of friendship, and in those 25 years we have each witnessed the landmarks of life together – first loves, first heart aches, weddings, babies and sadly funerals too. Our friendships have evolved over the years, but the foundations have always remained the same. We’ve built bonds and ties that are strong and safe. We always care for one another and offer plenty of attention and support to each other. And most importantly, our friendships are reliable. … Just like the Kia Cerato – strong, safe and reliable! The Kia Cerato sedan I drove for this review was a real treat, providing a smooth and stable ride. Offering uncompromised safety standards for peace of mind and engineered to be kind to the environment, the Kia Cerato is an impressive looking car with coupe-like proportions, while being jam-packed with practical, useful and modern features. With stunning curves, a striking front grill, plus eye-catching LED daytime running lights, you really feel like you stand out from the crowd in this baby. Plus, with quality features to choose from between the three models available to really personalise your vehicle – such as the type of wheel, colour or any extras in the form of a sunroof, chrome trimming or even a cooling glove box (to keep your drinks or choccies cool for road trips!) – the Kia Cerato has it all.
This is a fun car. It’s zippy, sporty, cruisey and practical. Driving the Cerato is relaxed and secure, made to be an easy ride as a result of the front and rear parking sensors (with dash display), plus the rear view camera. Further, with the flex-steer system, you can choose between three levels of steering – normal, comfort and sport – just to suit your mood! I also love the comfort. The eight-way power-assisted driver’s seat with lumbar support ensures you have absolutely the right positioning. There is even a memory setting for two different drivers. Additional little touches add to the experience, such as the centre console which is conveniently angled toward the drivers’ seat, and the full colour TFT-LCD display which lets you access a range of settings. In the SLi model, the driver’s seat can even be ventilated for cooling, plus both the front seats have heated-seat options. For those who love music, the in-car entertainment is also outstanding, with the latest technologies for adaption of your aux, USB or iPod, included. Hands-free controls, blue tooth capability and a steering wheel audio remote, together allow you to manage calls or audio without taking your hands off the wheel. My favourite feature for dark and lonely nights is the Smart Welcome Lighting System whereby a clever exterior light positioned beneath the side-view mirrors is activated as you approach the car with your smart key. As the illuminated side-view mirror folds back out, an array of exterior and interior lighting welcomes you to the car.
VISIT PACIFIC KIA FOR A TEST DRIVE TODAY. 2 / 126 Sugar Rd, Maroochydore. PHONE 1300 643 720. WWW.PACIFICMOTORGROUP.COM.AU
on the table
from 50 Shades of Chocolate by Claire Preen Ingredients 90g butter 120g dark chocolate buttons ¼ cup caster sugar 1 cup milk 2 eggs 1 tbsp vanilla essence ¾ cup self-raising flour 60g milk chocolate buttons 1 tbsp brown sugar 2 tbsp cocoa powder 1 cup boiling water 1 tsp vanilla essence Method Melt the butter and chocolate over a low heat and allow to cool. Add the sugar, milk, eggs and vanilla essence and stir. Slowly add the flour and stir until smooth. Pour the mixture equally into ramekins and sprinkle with chopped milk chocolate callets. Bring the water up to the boil – take off the heat and add the sugar, cocoa powder and vanilla essence until all have dissolved. Gently pour the chocolate sauce over the back of a spoon on top of the mixture into the ramekins. Bake at 180c for 20-25 minutes. Serve the hot pudding with deliciously cold ice-cream for the ultimate oral pleasure. Remember, chocolate satisfies even when it has gone soft!
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Whether single, married or in a hot and steamy new relationship, there’s a recipe for you in 50 Shades Of Chocolate. With over 60 sexy chocolate recipes developed by award winning chocolatier, Claire Preen, and compiled alongside sensual imagery and cheeky annotations, 50 Shades Of Chocolate makes the perfect addition to any kitchen cookbook shelf or bedside table. The book opens with easy-to-follow basic recipes and tips for melting chocolate perfectly and making ‘Chocolate Ganache’ before sliding into recipes for aphrodisiac nibbles, chocolate sauces, body fun (edible chocolate massage oil!) and even savoury chocolate dishes (salmon with white chocolate sauce). Yum! Author Claire Preen’s philosophy is that chocolate, like sex, should be enjoyed guilt-free. So treat yourself, your partner or your dinner party to the divine recipes in this cheeky book. Profile magazine is offering readers the chance to win one of five copies of 50 Shades of Chocolate. Simply visit our website at www.profilemag.com.au, go to competitions and enter your details.
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Ahhh Montville, it’s the perfect place to relax and unwind from the daily grind. Ingrid Nelson and husband David were lucky to sneak in a child-free break at one of the hinterlands most beautiful retreats, Narrows Rainforest Escape for some much needed R and R. Just what the doctor ordered.
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on’t get me wrong, I love my three darling children dearly, but as my husband and I grabbed an overnight bag, and waved goodbye to the crazy hustle and bustle of home (thanks Mum!) for a much-needed mini break, we breathed a collective sigh of relief. Cruising along the winding range towards beautiful Montville to the chilled sounds of Michael Bublé, I began dreaming of a leisurely afternoon sprawled out with a good read on the comfy lounge as the fire blazed, followed by a relaxing spa, glass of chilled bubbles and maybe even an afternoon nap before dinner. The stunning Narrows Escape Rainforest Retreat lived up to my expectations and then some. Not even the beautiful images I had drooled over on their website could do this romantic escape justice. Nestled among the treetops in Montville, off Narrows Road, six delightfully crafted timber cottages dot the property with just the trees and wildlife as neighbours. Our beautiful cabin overlooked the winding creek which rushed with water, its peaceful sounds lulling us into an instant state of rest and relaxation. Beautifully appointed, our cabin had everything one could possibly need for a romantic getaway. There was no need to leave it. Attentive hosts, Michael and Karen, could deliver a beautiful home-cooked meal or a sumptuous barbecue hamper straight to our door if we chose. All the cottages feature a deep double-spa bath, log fire, luxurious furnishings and a beautiful rainforest view. Soft, warm bathrobes and slippers were provided for our comfort as well as divine bath products, chocolates and fresh flowers. A welcome platter would have been placed in the fridge for our arrival if we had stayed for two days or more. A gourmet breakfast hamper was also supplied on arrival, with freshly baked croissants delivered each morning! After enjoying a blissfully peaceful afternoon, my husband and I were tempted to curl up by the cosy fire, order pizza and stay in the beautiful
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surrounds of our cabin – we were so relaxed following our hour-long soak in the spa. However, the Montville Tavern beckoned, and it didn’t disappoint. We thoroughly enjoyed the bustling atmosphere of the popular watering hole and the live music was fabulous. Following a delightful meal, we returned to our cabin, stopping by the office to choose from a wide selection of DVDs (something we rarely get the pleasure of doing in peace these days). Enjoyed with a glass of port and a crackling fire, it was the perfect end to our evening. Awaking from the most delicious slumber in the soft, plush, king-sized bed complete with tons of plump pillows, we collected our warm croissants that had been delivered fresh to our door that morning, we relaxed over a leisurely breakfast on our private deck while soaking up the bush views and sounds – bliss! Karen and Michael were the perfect hosts, attentive yet not intrusive. They went out of their way to assure our stay was perfect and their attention to the little things made all the difference. As the age-old saying goes, ‘What a difference a day makes!’. We left Narrows Escape Rainforest Retreat a completely different couple than the one who had arrived the day before feeling tired and stressed out. That is, until we walked in the front door at home!
NARROWS ESCAPE RAINFOREST RETREAT 78 Narrows Road, Montville Phone 5478 5000 www.narrowsescape.com.au Ingrid Nelson was a guest of Narrows Escape Rainforest Retreat
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aking a complete career change is never easy, but Kelly-Ann Quinlivan has it mastered. The numbers are adding up for Kelly-Ann, and she is counting her blessings. From an extensive career in interior design to supersonic administrator, Kelly-Ann has just been handpicked by Sunshine Coast businessmen, Ed Gainer and Alf Pennisi, to streamline the processes and procedures of their three-month-old company, Better Balanced Books, to expand as a stand-alone business in the financial services group. Kelly-Ann is immaculately presented and superefficient (she even prepared her own interview questions before our chat!), so she was the natural choice for Ed who knew her through her administration position at Grow Accounting, owned by his partner Tasha Hungerford. “Kelly-Ann was working out really well, so we gave her the opportunity,” he says. Born and raised in Adelaide, Kelly-Ann completed a university degree of visual arts and design, before moving to Brisbane to be with her husband, Luke. There, she completed her second degree in interior design and worked in interior design for the government. It was then nine years ago that an afternoon drive to the Sunshine Coast prompted the couple to relocate. After a stint of commuting between home on the coast and work in Brisbane, followed by positions with various Sunshine Coast interior design companies, Kelly-Ann and Luke decided it was time to start a family.
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Nicole Lovelock and Natisha Rice
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wo by name and two by nature. They say the best things come in twos, and this certainly appears to be the case with the team behind the boutique kitchen and homeware business, 2garnish. Business owners and best friends, Nicole Lovelock and Natisha Rice, not only share a story of friendship, memories and success from their very first meeting at Rochedale High School in Brisbane, but their joint passion for food, family and entertainment has lead to no less than three of their own concept stores together. From the beginning, Nicole and Natisha shared a unique dynamic, with Natisha the artistic yin and Nicole the business minded yang. “We have a good balance,” Nicole laughs. After graduating school, life took them in different career directions, with Nicole taking off overseas to work in finance and banking in Canada, as well as nannying in New York and working as the head of operations at a major airport. Meanwhile, Natisha completed a hairdresser apprenticeship through Stefan, before becoming the national tech advisor for Keune Hair for Australia, New Zealand and the Asia Pacific region, teaching at TAFE and completing a degree in Vocational Teaching for Hairdressing at Griffith University. After years in the career fast lane, a late night conversation with their husbands, Tim and David, resulted in the decision to move into business ownership. “We had both had enough of corporate careers and so decided that going into business was for our own wellbeing!” Natisha shares.
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“I never really considered myself a ‘mum’, it was all about my career, but after I had my daughter Holly, my priorities changed. She is everything,” Kelly-Ann says lovingly about her 19-month-old baby daughter. It was then that the realisation about her professional life hit Kelly-Ann. “I was made redundant very shortly after returning from maternity leave. I became disillusioned with interior design and it was tough finding work around that time [the GFC],” she reflects. After a month of searching for work, Kelly-Ann found the light she was looking for when she heard Grow Accounting was looking for an administrator. “They embraced me with open arms and I became part of their family, fulfilling my dreams with theirs.” Kelly-Ann went from strength to strength in the role, finding a new career for herself in the process. “I was talking one day at work about my bills and explaining how I meticulously wrote them down and kept a diary of what was due and what had been paid, and my colleague Carrie said, “You know what? You would be a good bookkeeper.” Kelly-Ann jumped at the suggestion. Enjoying the change from the creativity of design, to the black and white of numbers. “Numbers don’t lie,” she laughs. “I am so looking forward to getting stuck into it. I am happy to keep my creativity for my own time now.” And if her record is anything to go by, Kelly-Ann’s investment in her work will certainly pay off.
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And indeed, they went on to prove that two heads are better than one, opening three successful businesses - two 2garnish stores and one homeware store, Holy Sheet. Starting with Holy Sheet in the Logan MegaCentre, 2garnish soon followed, first opening in Logan in 2011, with another store opening in the Maroochydore Homemaker Centre in 2012. “We noticed from being in business with Holy Sheet that there was a niche in the market in Brisbane and the Sunshine Coast for quality but stylish kitchenware,” Natisha explains. “As a retailer you really have to be on top of your game. Our concept is to combine function and style when taking everything from the kitchen to the table. The people we serve are the most beautiful customers and we get to share our passion for cooking and entertaining. We are an independent company so we are very hands-on.” With a friendship spanning over 20 years, their lives inevitably are mirrored in some ways. Their children, Nicole’s daughters, Brittany, 13 and Tyra, 9, and Natasha’s three, Jayden, 12, Mitchell, 10 and Darcy, 8, are similar ages, and the ladies share the same friendship group. Their shared journey has had its ups and downs, but both ladies are enjoying the ride. “At the end of the day, your success is based on your own decisions,” Natisha reflects. “With your own business, you are in control of your own destiny and that is a great feeling,” Nicole adds. profilemag.com.au
MAGAZINE FEATURE
5 Reasons why property is a smart investment Finance Platform Home Loans – breaking the myth of interest only
Check out our website for all our workshop dates! It is the perfect time of year to dust off your old goals or perhaps make some new ones ... Whether you need to get your finances under control with budgeting and fast debt reduction or get started on a Wealth through Property plan – now is the perfect time to do it … Book your free Wealth Coaching and Goal Mapping Session today.
Call 07 5430 4777
chris@thinkmoney.com.au
WHAT OUR CLIENTS SAY Amanda Midas Touch Client Since 2010
chris CHILDS | 0419 744 193 | chris@thinkmoney.com.au
WELCOME to this Wealthy ‘n’ Wise magazine feature,
where property investment expert Chris Childs gives you her professional tips on debt reduction.
MEET CHRIS CHILDS THINK MONEY WEALTH THROUGH PROPERTY FOUNDER
Experience. There is no substitute for it in any successful business. Just ask Chris Childs, founder of Think Money Wealth Through Property. With more than 20 years’ experience under her belt in the financial planning, mortgage broking and wealth creation through property industries, Chris has helped countless people take charge of their finances and turn their lives around. More importantly, Chris has achieved success from her own personal experience, creating her winning system not from theories but from years of experience creating wealth through property herself. Having been a financial planner and mortgage broker for many years, Chris and her husband, Jack, bought their first investment property in 2000. The dynamic duo went on to buy, sell and renovate several properties over the next three years, but it wasn’t until they bought and kept an investment property that they started to see the real value of capital growth. In addition to accumulating a large property portfolio, Chris also opened three mortgage companies in three years and began to teach her clients her top tips and strategies on accumulating wealth through property – hence Think Money was born in 2007. “My mortgage broking clients, having been diligently learning my debt reduction strategies, wanted to learn more about how we were accumulating properties. So I began to teach some of my clients what to do and more importantly what not to do.”
‘Most mortgages can be paid out in five to seven years, just by doing your banking differently.’ Passionate about helping others achieve the same financial freedom she and her family has achieved, Chris now employs a team of professionals to assist clients to achieve their goals while avoiding the pitfalls most of us suffer when we begin the daunting property investment journey with little knowledge and experience. Chris says reducing your debt and accumulating property doesn’t have to impede your lifestyle.
“So … you really want to get ahead, create wealth through property and achieve your goals. This is when the fear factor usually sets in and the ‘it’s to good to be true’ hurdle stops you in your tracks … I know, it happened to me! “Can I just say, hold Chris’ hand and jump in, boots and all. I have been totally amazed at the results, the caring, the understanding and the reassurance that I have been shown through the journey! And yes, I called Chris at 10 o’clock at night and said, ‘Oh my God!’ What have we done? “But here we are, secure and happy and certainly on our journey of Wealth Through Property. So let me assure you – yes, it is true. Chris and the Think Money team are truly awesome, the events and their successful team of property people, finance brokers accountants and planners, to name a few, help complete the picture and work as your personal wealth team. “This is an opportunity I am so glad I didn’t miss.”
Sarah Education Client Since 2011
“As a teacher, I attend many workshops and presentations. The ones that make an impact on me are always short, sharp and colourful and the presenters passionate, knowledgeable and humorous. I attended one of Chris’ workshops after reading an article in Profile Magazine. She delivered all of the above in an engaging workshop that opened up the possibilities of property investment for me in simple layman’s terms. “Chris was able to cut through the usual financial jargon and give the nuts and bolts of property investment. For the first time I felt as if this was something I could feel confident about pursuing whilst making informed decisions. I would recommend Think Money to anyone who has toyed with the idea of stepping off the treadmill and making their money work for them.”
01
Safe as houses
There is a reason why “safe as houses” is a well-known saying: it’s true. According to research by AMP, Australian property has increased in value at a rate comparable to that of the share market since 1926 – an average of 11.4 per cent per annum, despite a succession of wars, disasters, recessions and crises. More importantly, it has done so without the volatility of the share market too. It’s a bricks and mortar investment, something you can touch and feel that can’t disappear.
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Tax Breaks
There are huge benefits to having a tenant and the tax man pay off your investments for you. In some cases, even the most conservative property can turn into a cash flow positive wonder after tax breaks. Let’s look at a few. Depreciation One of the most underrated and overlooked tax benefits is depreciation. This works best when you buy or build a brand new property. Depreciation on a $500,000 property can vary between $10,000 and $25,000 per annum tax deduction, depending on the quality of fixtures and fittings. This costs you nothing and is like a gift from the government. It certainly makes the choice of buying new versus old almost obsolete. New usually wins hands-down! Claimable expenses
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Secure growing income in retirement
Moving on from super to retirement, the biggest positive about investment property is that it continues to grow; therefore your income in retirement will grow. Most investments start to retract when you retire and start to live off the proceeds. With properties increasing in value, so does the rent, leading to long-term increasing income in retirement. The kids don’t miss out either. Property forms a huge wealth handover in estate planning. Property enables you to live well in retirement and still provide an estate for the security of your loved ones. All in all, property is one of the biggest wealth creators in Australia.
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You can use leveragE
Using other people’s money to make you money is one of the biggest benefits of investing in property. Banks will lend up to 90 per cent of the value of a property, which means a $50,000 investment can change into a $500,000 investment. The great part of this is you will earn, in the above example, 11.4 per cent on the whole amount. For example: Eg $50,000 x 11.4 per cent = $5,700 $500,000 x 11.4 per cent =$57,000
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Property is flexible – Investment styles
Using the right accountant can make a difference too. There are a number of things that could be claimed that are often overlooked, including stationery and computers to travel. It’s worth taking stock of Property is a remarkably flexible investment. No matter what your financial what is being claimed on your tax now – review this with your accountant aims are, you should be able to find an investment strategy to suit your to make sure you aren’t missing anything. needs. For example: Negative gearing
Long-term capital growth
Another gift from the government is the fact that if your investment is making a loss instead of a profit, the loss is considered tax deductible. That means if you are on 30 cents in the dollar you will get back 30 cents on every dollar you have paid tax on. It is important to note that negative gearing and the subsequent tax deduction should be considered a bonus, not the purpose of the investment, for two reasons. The first reason is that it isn’t worth throwing away $1 to get the 30 cents back. The second is that the government can change the rules at any time. So while you are building a property portfolio, treat the tax effectiveness as a bonus and always buy the best investment with the best growth potential, rather than trying to maximise tax benefits.
If you have time, it is the best way to build a retirement nest egg. Property has historically proven to deliver capital gain. Choosing the right area at the right time, with the right supply and demand ratio and demographics, can magnify your results. This forms an important part of property research.
Superannuation Self-managed super funds (SMSF) are becoming very popular. More and more people are taking control of their own superannuation because it gives them the ability not only to get more involved with their own investment choices, but also to invest in property due to the changes in legislation regarding borrowing within super. Until this option became available, most were stuck within the confines of managed funds and corporate super.
Positive cash flow By choosing properties where rents outweigh holding costs, you will have the ability to ‘hold’ more properties in your portfolio. However, this sometimes comes at the cost of higher risk and the possibility of volatility. It is important to look at all aspects of the investment and have plans in place to mitigate those risks should something change. Adding value There are many ways of adding value to a property to increase equity, therefore increasing the opportunity of buying more. Renovating, subdividing and changing the use of a property are just a few ways to do this. A word of caution – it is vital to do a feasibility study before buying the property. It is amazing how much these things actually cost, and often the sound of it is much better than the actual financial result.
‘While you are building a property portfolio, treat the tax effectiveness as a bonus and always buy the best investment with the best growth potential, rather than trying to maximise tax benefits.’
WEALTHY ‘N’ WISE
5 Reasons why property is a smart investment
WEALTHY ‘N’ WISE
The banks have so many different loans to choose from, then they go and give them weird and wonderful names to attract the unwary – Break-Free, Professional Package, Miser ... I could go on. The bottom line is that there are only four types of loans. Principal and interest and interest-only term loans (term meaning a set timeline from commencement to paying it off) are the two most common loans. Then there is a line of credit and more recently, a reverse mortgage. Reverse mortgages are for retired people and have been quite controversial. Lines of credit are my preferred loan, but some also say an interest-free term loan and offset account works just as well. Whichever your preference, I will explain each style of loan before getting onto the subject of fast debt reduction.
Principal and Interest loans These loans have repayments calculated to repay the loan in a set term. This mathematical calculation means a set number of payments will be made at a certain value over a set period. If the loan is set to be variable interest, the repayment amount can change as interest rates fluctuate. However, I have looked at many loan statements over the years and often find it a mystery how the numbers work. If you have a principal and interest loan – go and get your last two statements (they usually come every six months.) If it is at all possible, find two with the same interest rate … sorry, that could be hard. Call it a conspiracy theory, but now do the sums. Let’s use the example of a loan with an opening balance of $250,000 and an interest rate of 7 per cent. In this example the interest payment is $17,500 for the year. Now let’s look at the principal and interest monthly payment. Let’s say $2,200 per month which is $26,400 for the year. Doing the math, $26,400 less $17,500 should leave $8,900 as the amount of principal reduction. The loan balance at the end of that year should be $241,100 – less actually, considering you pay interest on a daily balance and the balance should have been going down. If your loan account balances, congratulations! If not … surprise! Haven’t found one that does yet, and no amount of wasted hours talking to various banks has provided me with a satisfactory answer. Therefore, I never recommend a principal and interest loan. A lot of smoke and mirrors – and I will leave it at that.
Interest-only loans With an interest-only loan, you get charged interest-only. Therefore, if you don’t pay any extra your loan balance will remain the same. Banks usually only allow this for a certain term, for example 5 or 10 years maximum, then it converts to principal and interest and it will be paid out by the end of the term, such as 25 or 30 years. This is a good safety net for those who are lazy about their debt reduction.
‘By doing your banking differently ... you can smash the years you take to pay your loan off and reduce the amount of interest paid.’
Interest-Only loans – benefits Clarity. Unlike the principal and interest loans previously described, the math always works. You can see it as clear as day. Your payment goes in, the interest comes out and all fees and charges are visible. Ease of debt reduction. Every extra dollar you pay into the loan comes off the principal, unlike a principal and interest loan, which seems to hold a month’s repayment somewhere in the unseen murkiness. If you have a principal and interest loan with a redraw facility try adding an extra $2,000 into the loan and see if it shows up in the available for redraw side. Sorry to sound cynical but I have been working in debt reduction for many years and see this happen time and time again. Benefits of affordability for investment loans.
Mortgage payments plus rates, insurance and other expenses minus rent gives you the holding costs or surplus – it’s either negatively or positively geared. Having interest-only assists with lowering the holding costs and enables you to afford your next property sooner – always good news!
Not reducing the debt on investment properties is okay. Today’s dollars are the most expensive dollars. The value of
the dollar goes down every year due to inflation (sorry here comes some mortgage broker speak). When you are using a mortgage for investment purposes, it is often cheaper in the long-run to hold the property on an interest-only loan and concentrate on debt reduction on your own property. As the value of your investment property rises, the loan to value ratio will decrease, making it more and more affordable and easier to pay off later. For example, imagine you or your parents purchased a property in Brisbane in 1970 – you would have paid $12,000 for it. Sounds cheap! Should have bought 10, right? But an average income was $20 to $30 a week back then. Today the property would be worth more than $500,000 if you had paid interest-only until now – you would have a $500,000 property with a $12,000 mortgage.
These loans have their place if, and it is a big if, you get the timing right. However, normally only the banks win that game and they tend to work off the fear factor of their customers. Their actuaries can foresee where the interest rates are going and price their loans accordingly. It’s more about keeping you locked into their bank and giving the banks an idea about how many loans will be on their books for those terms. Most people don’t change their loans when they are in a fixed rate, even if there is a bigger benefit to changing. It is human nature to try to avoid a break cost or fee. Again, I’m not a fan of fixing unless you can guarantee that small – very small – window of opportunity so it will work for you instead of the bank.
MEET OUR FINANCE TEAM Think Finance Solutions specialises in teaching people to reduce their debt not their lifestyle and to take back control of their life.
Interest rates don’t matter When you do your banking properly, interest rates make very little difference to the length of time it takes to pay out your loans. It is interesting to see the calculations. Most interest is paid on loans that have lower interest rates but are treated as long-term debts and paid off per month, on time and with the amount the bank says you should pay. By doing your banking differently – for example using a line of credit and a credit card – even on a higher interest rate you can smash the years it takes to pay your loan off and reduce the amount of interest paid.
‘When you do your banking properly, interest rates make very little difference to the length of time it takes to pay out your loans. It is interesting to see the calculations.‘
Phone today for a complete finance review 07 5430 4777 | 0407 003 597 finance@thinkmoney.com.au www.thinkfinancesolutions.com.au
AUSTRALIAN CREDIT LICENCE 384585
Keep personal and investment banking totally separate The main reason people struggle with their finances is because they do not separate personal and investment income and expenses. By mixing your money you will feel every hiccup in the investment journey in the hip pocket. It is vital that your home mortgage and living expenses, and your normal income is kept totally separate from investment property debt, expenses and rent. This is a huge part of my clients success. Most of my clients are on a ‘10 properties in 10 years’ path. This is made easy and stress-free by following this simple rule. We then concentrate on reducing the debt on their own home, allowing for an improving lifestyle, while being able to easily create wealth for retirement by having a self-funding investment portfolio.
Now is the time to review your current loan structure, you could save years and thousands of dollars. Setting up your finances correctly is the keystone to creating wealth through property successfully. Call today 5430 4777.
WEALTHY ‘N’ WISE
Fixed Interest Vs Variable.
WEALTHY ‘N’ WISE
6 ways to maximise your property portfolio Jack Childs has 35 years’ experience in the property and building industries and has a multi-million dollar property portfolio himself. Jack shares his top tips for creating wealth through property. The biggest secret to creating wealth through property is getting the right property at the right time in the right place. Here are my top six tips for getting it right!
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Buy new, not old …
After years of experience, and making enough mistakes myself, the most important thing I have learned is to buy new, not old. There are quite a few reasons for making this decision – one of the most important is the huge difference the tax benefit can make. Depreciation alone can add another $10,000 to $17,000 or more to the tax deductions you qualify for, and this can really help with the holding costs. But tax savings are not the only benefit. Properties that are new are often more attractive to tenants; therefore you can attract a better class of tenant and a higher rent than an older property. The maintenance costs are close to non-existent as the builder is responsible for correcting any faults for six years. This makes it easier for the property to be positively geared, as the rent ends up in your bank account and not eroded by repair bills. The growth in the value of a new property often exceeds older properties in the same area.
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Do the right research
The majority of investors don’t do enough research, or worse still, get incorrect information from the huge amount of data available online. Good research can take weeks to put together and hone down, from the right state to the right town, the right suburb and the right property. It is vital to know what is happening with infrastructure spending, demographics, employment, economic growth and supply and demand, to name just a few. Professional research companies commit full-time staff to this research, so it is understandable why it is difficult for a novice investor to get it right. Often when someone does the research well, they end up getting so confused they do nothing … paralysis by analysis is a common end result.
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‘Timing’ the market and ‘time in” the market
Two important parts of creating long-term wealth with property are timing the entry point into a market to maximise the capital growth, and time in the market – meaning keeping the property long-term. Timing the market often means being brave
and bucking the trend. Purchasing a property when the property clock is at six o’clock is one of the hardest things for a novice investor to do. The ‘history’ shows a flat market, no growth for five or six years, and usually a lot of negative press about property. The media never talks up investing in property in an area until it has already been showing major growth over a period of time. Often this leaves your run a bit late, and you have missed all of the strong initial growth. Most people buy in at 10 o’clock – and only gain a little before the market again flattens out. Time in the market is vital for successful wealth creation. Most property averages 10 per cent pa over any 10-year period, however, you don’t earn 10 per cent each year. The market usually has two or three years of strong growth, five or six years of flat or no growth, and even one or two years of negative returns. Holding onto property during these times is hard if you don’t look at the big picture and know that eventually all property will increase in value. I hear people say time and time again, “I sold a property and two years later it doubled in value”. Keeping property is the key to building a large and successful portfolio.
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Getting the tax side sorted
Don’t ever buy a property for the tax benefits. Always buy a property for its growth and income potential. The government can change tax legalisation at any time. By treating the tax benefits as a bonus you will never have to worry about those changes. But always maximise your benefits – here are a few hints. Avoiding land tax I have always been surprised at how few people know about land tax. The government charges land tax if you own more than $600,000 of unimproved value of land in your own name. Your home is excluded. Companies / trusts are charged on any land over $350,000. Avoiding this is simple, you just need to know what your values are, and when you are purchasing, ensure you buy in the right name or entity. Maximising tax deductions There are many accountants who don’t maximise deductions. If your accountant doesn’t own investment property himself / herself, chances are they don’t have a vested interest in finding out about all the deductions available. Most accountants know the basics, but I have seen huge differences in tax returns done by savvy accountants.
WEALTHY ‘N’ WISE
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Don’t kill the golden goose – keep vs. sell
Here is the important one. A property long-term will continue to grow in value and increase in rental return. This will feed you for the rest of your life – and can be handed down to your kids when the time comes. In comparison to any other investment, property in retirement has proven to be the best return and the least risk. Not only does the rent (your income) continue to increase each year, usually ahead of inflation, the capital value goes up as well. Most other retirement income has a point where it erodes to nothing. Not to mention the saving of buying and selling costs!
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Be careful who you take advice from
Everyone has an opinion on everything, and they are all too willing to share. Before you take someone’s advice, look at who they are and what they have. If that is where you want to be, take their advice. It isn’t only the ‘bad guys’ you have to worry about, it is often family and friends, even with the best of intentions, who can give you advice that can hold you back for years. Don’t think that just because someone has a real estate license they necessarily know everything either. Anyone can do a three-day course and get one of those. Getting your advice from a professional with experience in research, knowledge of property and who owns a successful property portfolio themselves is obviously a great place to start.
Jack Childs | 0418 794 512 jack@thinkinvestmentrealty.com.au
Make a time to have a chat with Jack to look at how to start, or increase your own portfolio.
think money success team
abode Wallpaper Republic Herringbone by Joel Dewberry, RRP $260. Available from www.downthatlittlelane.com.au
bedroom update London Club bedhead, available in a choice of custom colours. Prices start at RRP $980 for a double. Available from www. peonihome.com.au
table manners marseille round table, RRP $1,399. Available from dare gallery. visit www.daregallery.com.au
n a tu ra l a re m a te ri a ls m ix p e rf e c t to and ts n ri w it h p u rs lo o c ld o b splash of colour Cabo woven placemat set, RRP $69.95. Available from Watermelon Red, Coolum Beach. Visit www.watermelonred.com.au
super plush coco sofa in mystere peacock fabric, RRP from $2,499. available from oz design furniture, maroochydore. sunshine homemaker centre. phone 5479 1377
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abode luxury style Rory leisure chair featuring beautiful high quality Italian leather and a European Oak veneer frame, RRP $1,299. Available from Maroochydore Homemaker Centre. Phone 5479 3286
colour pop
s o p h is t ic a p ie c e s t e d are wo r t h the in v e s t m ent
Tangerine Circles and Tangerine Cross cushions, from RRP $49. Available from www.indigodesigns.com.au
F re sh en u p yo u r li vi n g sp a ce w it h a sp la sh of co lo u r on th n ew cu sh io n s! e w a ll s or T h is se a so n is a ll a b ou t a m ix of co lo u r, te xt u re , p ri n t with Johanna Jensen a n d st yl e. H a ve fashion and lifestyle editor fu n w it h it !
statement rug Vintage Turkish
Kilim Rug, RRP $1,
onic.com.au 499. visit tablet
woven comfort hand-woven Peruvian blanket, RRP $260. Available from www.ilovelinen.com.au
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fernwood business promotion
Ingrid’s progress report on the Fernwood 8 week challenge. Ing rid Nelson Walking tentatively into my first session at Fernwood, Maroochydore, at the beginning of my eight-week fitness challenge, I never imagined I would be feeling so comfortable and at home just four weeks in, thanks to the encouragement of the wonderful and supportive team of trainers and coaches. While I admit that the first couple of weeks were no walk in the park (I had to stock up on the Epsom salts), I am already starting to see a positive change in my body shape. I am not even missing my nightly glass of wine (that much!). As a busy working mum of three school-aged children, the wide variety of classes available seven days per week at Fernwood has allowed me to maintain the four cardio classes required per week. With a choice of boxercise, body pump, cycle, fatburner, bodystep or my new found favourite, zumba, there is something for everyone! Think pumping Latin beats, dimmed lighting and disco ball – it’s one big dance party and such a fun way to get fit! The one-on-one personal training sessions have been fantastic for correcting my exercise technique and pushing me to my limits. But don’t be fooled by my lovely personal trainer Gay’s sunny demeanour, this lady would give Commando a run for his money! She makes up for the thrashing with a fabulous neck massage at the end of the session though, so all is forgiven Gay.
A choice of pilates, yoga or body balance offers the perfect complement to the cardio classes and are fantastic for promoting relaxation and well-being, while strengthening core muscles at the same time. I use these sessions as my ‘me’ time – bliss. Pocket rocket, Julia Richardson is a wealth of knowledge when it comes to diet and food coaching and the eating plan she has devised for me is easy to follow, which has been a must for me with a young family. Hubby is also following the eating plan and is feeling great and pounds lighter! Fernwood, Maroochydore, is a gym for women run by women (apart from the lovely Tim, he is a brave man). The personalised attention to each member is what sets it apart. It’s the little things, like remembering your name when you walk in the door or running over with a protein snack if you have been exercising too long without eating (like me) – they have it all covered. The holistic approach to health and wellbeing at Fernwood is also extremely impressive. From the massage chairs in the dimly lit relaxation room, to the fully-equipped bathrooms complete with shower products, hair dryers, straighteners and ironing facilities, nothing has been overlooked. Julia tells me many women work out early, shower, have breakfast and check their emails all before their work day begins! Alternatively, if like me, you have children to get to school in the morning, there are a wide variety of classes available in the evening also. It’s all about taking advantage of the whole package Fernwood offers and tailoring it to your needs and lifestyle. There is no one rule to fit all. I’m excited to see the results at the end of the eight-week program and I can thoroughly recommend the challenge for anyone wanting to lose weight, lean up, feel good and look good. For me, the eight-week challenge has allowed me to enjoy some much needed time out – to work out, to relax, to clear my mind and most importantly, to have fun.
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your ultimate guide to fashion and beauty
vanity case
back to basics
live well model wears lauren vidal now available from elegant affair nambour. Phone 5476 3923.
meet Ainsley Hutchence
weekend chic
profile loves green with envy Emerson Envy Necklace, RRP $14.88. Available from BIG W. Phone 1300 244 999
one spec Sneaking duck Chuck Glasses, RRP $180. Visit www.sneakingduck.com
with Johanna Jensen fashion and lifestyle editor
The weekend is all about dressing for comfort, but there’s no need to sacrifice style. We’ve found the perfect items to fill your weekend wardrobe. leather trend Barkins Olga Tee, RRP $39. Visit www.barkins.com.au
boyfriend denim Embody Boyfriend Jeans, RRP $249.95. Visit www. embodydenim.com.au
hers not his J Brand Aidan Slouchy Boyfriend Jeans in Gemini, RRP $260. Available from Denim Co. visit www. denimco.com.au
perfect tote Rachael Ruddick East West Shopper tote bag, RRP $399. Available from Denim Co. visit www.denimco.com.au
miss lolita Peter Morrissey Lolita heels, RRP $29. Available exclusively from Big W. Phone 1300 244 999
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button up Peter Morrissey long sleeve blouse, RRP $29. Available exclusively from Big W. Phone 1300 244 999
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the beauty spot enlightened advice life goddesses business network feature
with Dr Simone Ricketts Did you know that some people have no wisdom teeth at all? However, most people have four wisdom teeth and occasionally people will even have five. Now that is a bit of a mouthful to contemplate! Third molars, or wisdom teeth, as they are fondly called, generally push their way through the gums in our late teens or early twenties. Occasionally they surprise us all by appearing much later in life.
in l atest ou th e y g in r . we b advice be aut y
If a jaw does not have enough space for a wisdom tooth to fit, then we call this an impacted wisdom tooth. If there is enough space, wisdom teeth usually happily appear at the back of the mouth behind the other molars, sliding into the correct spot to aid chewing. Sometimes however, a wisdom tooth can come only halfway into the mouth, get stuck, push against good neighbouring molars, cause a food trap, activate a decay cavity / infected gum, or trigger bad breath or cheek biting. Basically, the rule of thumb is that if wisdom teeth have come through fully and are being useful, keep them. If they are repeatedly causing any of the annoying issues as listed above, have them removed. When having orthodontic or tooth straightening work done, wisdom teeth are usually best extracted to avoid aggravating crowding. Why do we have wisdom teeth at all? One theory is that in the days of prehistoric man, our diet was much coarser, and we needed the third molars to therefore help with crushing and grinding our food. However over time, mankind’s diet has become softer. In addition, with evolution, our jaw has become progressively smaller (due to the change in diet), to the point where in modern times we no longer need third molars or wisdom teeth to crush our food. Eventually mankind will evolve without any wisdom teeth at all. In the meantime, while we wait for evolution to sort out wisdom teeth issues, if you are experiencing a problem with an impacted wisdom tooth ask your dentist for some wisdom about your tooth options. Smile by Design 5443 2888 www.smilebydesign.net.au
FIVE minutes with ...
Paraben-free. Sulphate-free. No GMO. No hydrogenation. Results driven. High performance. What does all this mean really? In recent times we have become more aware of things that pose a threat to our health such as free radicals, chemicals, additives, artificial colouring, preservatives etc. Most of us don’t quite understand what really causes the most damage, but we all know that these things can be harmful. Just like additives in our food, skin care products can also be enhanced with undesirable ingredients that can be absorbed through our skin. However, companies add these to the skin care products to make them smell, feel and look nice – after all, that is what we like to put on our skin! So what can we do to look after our skin and health at the same time, and get the best of both worlds?
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The short answer is a new generation of organic skin care that looks after your health while addressing the most demanding skin concerns. These products look, smell and feel so good, you will almost want to eat them! Just open a jar of Eminence Organic Skin Care and you will discover an effective and delicious concentrate that is brimming with fruit pulp, seeds and hand picked herbs. Essential vitamins, like A, C, E, Selenium, Coenzyme Q10 as well as other powerful nutrients act as antioxidants or ‘skin protectors’ to fight oxygen-free radicals that damage the skin. These vitamins combat the negative effects that occur when the skin is exposed to sunlight, pollution, cigarette smoke and other harsh elements. Negative environmental factors can otherwise damage DNA and healthy skin collagen, causing skin to sag and lose its elasticity. Esha Beauty 5326 1650 eshabeauty@optusnet.com.au
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vanity case
clean hair Tea Tree’s natural extracts and rejuvenating scents will turn your shower into a spa-like indulgence. Paul Mitchell tee tree shampoo and conditioner, RRP $22.95 each. Visit www.threesixfive.com.au
such a tweeze Manicare aztec mini tweezers, RRP $7.95. Available from Priceline, Target, Big W and Myer. Visit www.manicare.com.au
with Johanna Jensen fashion and lifestyle editor
It’s the perfect time to declutter your bathroom and get back to basics with these MUST HAVE beauty buys!
nude hue a nude lipgloss is perfect to keep in your handbag. gorgeous lipglosss, RRP $30. Available from colorpop cosmetics, maroochydore. phone 5475 4421
coconut dream Eminence Coconut Milk Cleanser created to comfort dry, irritated or sun-kissed skins. RRP $57. Esha Beauty, Sunshine Plaza. Phone 5326 1650
starting base pure skin attirance natural cosmetics face cleansing foam in honey and almond for combination skin, RRP $21. available from attirance natural cosmetics & spa, mooloolaba. phone 5478 0100
go bold A Volumising Mascara can make a big impact with little fuss, NVEY ECO Volumising Mascara in Black, RRP $29.95. Visit www.nveyeco.com
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An essential in every woman’s makeup bag, Youngblood Liquid Mineral Foundation, it is a special blend of rare reduced deep sea water, botanicals and more than 20 ocean minerals. It soothes and revitalises skin and creates a soft, silky, pore-free appearance that will wear for hours, RRP 79.95. Available from Esha Beauty, Shop 268 Sunshine Plaza, Maroochydore. Phone 5326 1650
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style counsel ll photography chesterton smith photography
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epresenting one half of the dynamic advertising agency Sticks & Stones (www.sticksandstonesagency.com), Ainsley Hutchence is passionate about the fabulous brands they act for. Since meeting her business and life partner, Sebastien, five years ago, the two have been inseparable and are somewhat of a Brady Bunch, with three children between them. “We only take on brands we absolutely love,” says Ainsley. “This is the very first requirement. We do not sell anything we can’t back 100 per cent. This keeps us honest and in love with our jobs.” With over 15,000 followers on Instagram, Ainsley and Sebastien have built a solid reputation in the industry and are known worldwide. On top of selling fashion collections, the busy couple organise and style photo shoots, customise denim and leather for designers and have plans to release a quirky accessories line by the end of the year. Ainsley shares some of her top fashion tips with us.
profile: What do you love most about your job? ainsley: Styling photo shoots. I started out styling shoots for our agency, then for our Instagram account and in the past couple of ainsley hutchence months have started to get styling work from brands and photographers. I have made it a priority to save time for the stuff I love doing. Another profile: How would you describe your own style? awesome thing about my job is being able to make up my own work ainsley: Glamorous mess. schedule. This comes in handy when working around my seven-year-old’s profile: Who is your fashion inspiration? busy school and social life! ainsley: My partner, Sebastien. He will wear anything he wants without any profile: What looks can we expect to see this season? consideration of others … this has inspired me to do the same. ainsley: Moving into spring we can expect to see lots of white! White on white on white! There is also a very strong sports luxe feel around at the profile: What and where is your favourite boutique? moment that will continue on through the year. Hints of ‘90s street / surf ainsley: Hands down alterior motif … shout out to my homeslice, Penny Lane, easily one of the raddest buyers around. Really knows her stuff and has given wear are always delicious. us amazing advice and guidance over the past couple years. profile: What is the must-have item for our wardrobes this season? profile: What do you always have in your handbag? ainsley: Boyfriend jeans and boyfriend band-shirts. ainsley: I don’t really have a functional handbag, which is a massive problem profile: Who is your favourite designer? on most days. If I did though, I would probably invest in some baby wipes … ainsley: There are a few for different reasons. Vivienne Westwood, because always seem to need those. she was one of the first to turn street fashion into designer wear. Jamie Blakely of One Teaspoon, who is an amazing and original woman from profile: What is your best style tip? the Sunshine Coast, every season releasing ranges that are so true to her. ainsley: Never get stuck on one look and don’t be scared to try new things. Fashion is made to go out of fashion – Coco Chanel said that. And finally, Emma Mulholland, who is such an innovator. 58
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the good life
ll photography chesterton smith photography
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he may be just sixteen years old, but local girl, Essena O’Neil is wise beyond her years when it comes to her healthy attitude towards body image. Already a successful blogger with an impressive 80,000 followers (www.essenaoneill. tumblr.com), Essena is on a mission to inspire young girls to love and nurture their bodies. But Essena is the first to admit she has had her fair share of body image struggles throughout her early teenage years, resulting in a destructive mind frame and endless yo-yo dieting. Thankfully, Essena’s mother Jules, has always been a great mentor and role model when it comes to health and well-being, and it was the philosophy behind her business ‘Body Consciousness’ that inspired Essena to forget the rules and listen to what her body needs. “Unconsciously, I hated my body. I told myself that everyday,” Essena explains. “Gradually though, I started to come to terms with who I was, and decided I could be whoever I wanted to be. I could either hate my body or love it. So I chose to love it, nurture it, give it what it needed. It really was as simple as that! From then on, everything started to flow. Various opportunities arose such as being featured in the May catalogue for Lorna Jane, and being able to hold a ‘Self Belief Day’ for teenage girls in July. I cannot wait for what the future holds.”
essena o’neil
profile: What is your personal philosophy when it comes to health and well-being? essena: I believe self-love is one of the most powerful tools in creating a life of bliss. Through self-acceptance, we can appreciate who we are and nurture the body we have been given. Sure, we can’t change some physical features, but that should never stop us from being the person we want to be. profile: Do you consider yourself a fit and healthy person? essena: I consider myself to be an infinite being, with a healthy mind and a healthy body. profile: How do you keep fit and healthy? essena: I choose to go day-by-day. I believe I create a balance in my life and this keeps me motivated to move and nourish my body daily. I don’t like to stress or strain, just love and grow. profile: What sports do you participate in, if any? essena: Currently juggling a part-time job, full-time blog and my last two years of high school, I am not playing any team sports as such. I love going for long walks with friends, mountain climbs, beach runs, stair climbs – really anything that let’s me enjoy and embrace nature. profile: What’s your favourite ‘good’ food? essena: Definitely frozen berries! Sweet, nutritious and easy! profile: What’s your favourite ‘indulgence’ food? essena: Dark chocolate and walnut brownies! profile: What health tips do you swear by? essena: Plan today. Make today fun and active! Focus on today’s happiness! 60
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profile: What motto do you live your life by? essena: Every single human being has the ability to create everything and anything they desire. You can make life the most beautiful thing if you choose. You can create everyday to have its own purpose. You can never be wrong, as you are constantly growing and learning. So choose to make your life fun and forever-expanding! Start loving who you are and your body. profile: What reality television show would you most likely appear on? essena: I would love to get into the Big Brother house! I would show Australia how easy it can be to stay active! profile: What would your dream job be? essena: To be me, and show the rest of the world how to embrace themselves. I think I’m on my way! profile: What’s your favourite spot here at home? essena: I love walking around the Noosa headlands! Lying on the rocks overlooking the ocean in the warm summer air is heaven after a long walk. profilemag.com.au
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live well
Good health is so important. We talk to the experts for all the latest in health and well-being.
burn fat fast with debbie chappell
The most comprehensive fat reduction system in the world, known as the Papilio System, has been installed at the Revival anti-ageing clinic at Peregian Beach. The space-age equipment combines many scientifically-proven modalities including infrared fat heating, negative pressure therapy, gentle exercise and a ketogenic eating plan. Only the second machine of its type in Australia, Revival is continuing with the cutting edge innovative approach that has characterised its ten year existence on the Sunshine Coast. Revival has never seen fat loss like the Papilio System. Most systems just rely on one aspect of reducing fat. Papilio covers the whole gambit of softening the fat, releasing the fat, mobilising the fat and having the body in a state that pretty much guarantees constant fat burning. Revival is regularly seeing people burn over 3000 calories in a 30 minute treatment. The big benefit of Papilio is that blood circulation is concentrated in the lower half of the body, where most want to lose fat. Many women go on a diet and lose weight from the top half, not the bottom half. As a result, clients absolutely love the treatments and the results. Very early in their program they gush about how exciting it is to fit into clothes they had outgrown. To gain an understanding of how the Papilio System works, Revival is offering an introductory one-hour session for a very small investment so that the whole program can be experienced and a tailored plan put together for the participant. Papilio is equally relevant to men as well as women. It is fast, effective and has many health benefits in addition to fat loss, toning and cellulite reduction. See the Revival advert on page 60 for the special offer for Profile readers during August. Revival 5471 2288 www.revival.net.au
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Prefer a more natural approach to improving your wellbeing? Here are some handy tips from Yin Health: 1. Regular exercise – Do some regular exercise, such as yoga or dance, as it will assist your physical and mental health. Filling your lungs with fresh air helps rid your body of unwanted toxins and decreases your stress levels. Stress is a big factor in reducing wellbeing. 2. Eat well – Eat immune-boosting foods with plenty of zinc and vitamin C. Examples are garlic, onion, goji berries, spirulina and almonds. In fact, any foods which are green or red are great! If you have a specific health condition or requirement, speak to a good naturopath who may be able to do tailored test to ensure you are taking the right synergistic foods and supplements, working alongside your GP in the process. 3. Test your immunity – If you know that you have low immunity, get an immunity test with a naturopath to help improve it, preventing you from getting sick later. 4. Get a massage or facial – Massages and facials actually stimulate your immune system, increasing blood flow and detoxification through touch. They also helps you relax, reducing your stress levels. 5. Maintain wellness – Prevention is always better than cure. See an integrative chiropractor to help maintain wellness during peak body demands, as well as to increase energy levels and assist with sleeping. Yin health 5438 8387 www.yinhealth.com
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Sometimes a place just exudes a certain feel – an ambience if you like and Montville is one such haven. Mention the quaint hinterland town to anyone and one word comes to mind, Relaxation.
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here are a host of things to see and do in Montville which aren’t on your everyday activity list, making exploring the lush green hinterland a real treat. From the chic cafes and thriving shopping village to the wine tasting and food experiences for the food connoisseur, Montville is best described as a wonderful fusion of mother nature at her best, offering creativity and culture in its many forms everywhere you look. With a broad range of pursuits to suit everyone, Montville is a fabulous family destination, but uniquely, the picturesque scenery and high quality restaurants just as easily make it an appealing couples retreat. If getting in touch with nature while staying in the lap of luxury at the quaint cottages, tree houses or cabins (all with modern amenities and special touches) is your idea of the perfect getaway then you will find your nirvana in Montville. When looking at the accommodation options, visitors will discover they are spoilt for choice with a seemingly endless list of places offering stunning vistas, walking tracks through rainforest and numerous outdoor activities to choose from. Private spas come standard at or most guest houses, while some have individually-themed tree houses, private decks, wood fireplaces and stunning carved furniture. Visitors can find themselves relaxing in the spa bath while taking in views of Baroon Pocket Dam or the Pacific Ocean. Shopping is literally just a skip away and if you are keen to take in the whole hinterland experience, the drive through the Blackall Range is a good way to do it. You will know you have arrived in the hinterland leaving the hustle and bustle of the cities and towns
ll words christie lenz
behind, when you start winding through the lush greenery of the rolling hills. Montville is steeped in history and the beautiful architecture is testament to this. Once you have reached the town centre, there are a host of shops, restaurants and cafes, as well a gallery trail. Montville’s shopping precinct incorporates over 100 retail outlets, all centrally located within 900 metres of the main street. Whatever your taste, Montville has something for everyone. For the fudgaholic there is an infamous fudge shop, where you will find handmade fudge along with products from the Ginger Factory, or for the candy lover, a fabulous candy shop offers live demonstrations on candy-making including free samples. Yum! Wine tasting is on offer at many of the wineries and the charming cafes and restaurants spotted along the main street offer everything from Devonshire tea and cake to the tastes of Europe. For those who enjoy exploring the outdoors and don’t mind a bit of gentle exercise, the spectacular Kondalilla National Park, which includes the Kondalilla Falls circuit, is one thing that should be on your must-see list. Skene Creek drops 90 metres into a rainforest valley creating a beautiful spectacle. Hikers can choose between three tracks depending on their fitness level, while taking in the subtropical rainforest and grass tree understory.
Depending on the weather, there is even the option to swim in the rock pools. A scenic drive up the Blackall Range, just 23 kilometres west of Mooloolaba reveals another of the regions stunning sights, Baroon Pocket Dam. Approaching the ridge of the escarpment, you are greeted with panoramic views of the coastal plain. A turn west from the outskirts of Montville leads into the hidden valley and cul-de-sac of the dam and lake. Once you are there, you may want to unpack a picnic, take a bush-walk, go canoeing or fishing or simply plunge in to the lake for a swim. Montville – it’s a little piece of paradise right here on our doorstep.
9am - Poets Cafe
10am - Hilltop Toes
12pm - The Edge
Described as evoking the tradition of European café life, the Poets Café and Restaurant has a great atmosphere and offers uninterrupted views of the Sunshine Coast. Sit back, relax and enjoy classic cuisine for breakfast, lunch or simply enjoy a great cup of coffee. Interestingly, the café incorporates the use of fresh spring water bubbling up from the premises below to make their coffee.
Noticing a lack of shoe shops in Montville, Maree and Michael set up this shop to meet the requests of locals and now boasts a huge range and mix of shoes and handbags. Brands are stocked from around the world including Tsonga from South Africa, Zeta from Spain, Cerutti from Italy, Gino from Brazil and their own label Ascan.
Offering some of the best ocean and mountain views of the Sunshine Coast, The Edge Restaurant has superb food and great wine. Mayfield on Montville is the accommodation offered at The Edge, designed for romance where guests can enjoy a private balcony, spa or take advantage of the adjoining swimming pool and tennis court.
2pm - House of Hedwig 4pm - Elements
6pm - Spicers Clovelly
House of Hedwig is run by best friends Heidi and Tah-nee, who bring their unique sense of style and penchant for colour to the Hinterland. If you are therefore looking for something that is one of a kind, this is the place to shop. Stocking pieces such as funky tights, kaftans and colourful dresses, the duo has transformed the shop into a welcoming space, taking inspiration from their own clothing choices in deciding which labels to stock.
Spicers Clovelly Estate is one of the Luxury Lodges of Australia and well and truly lives up to its name. The estate is set in 22 acres of grounds filled with grand figs, shaded jacarandas and groves of magnolias and gardenias, and boasts French provincial architecture at the main house.
With views of the Kondalilla Falls valley, this quaint café has everything you need to enjoy a chilled morning or afternoon with friends. The tea room and café serves a range of food, from pancakes to nachos, and high tea and morning tea are served with a delicious selection of scones, cakes and tarts. Guests can browse through the interiors and gift store, or let the troubles of the day drift away with A Little Beauty pampering package offered in store.
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rom its panoramic sweeping hinterland to its rustic charm, Montville’s history is as rich as the culture it offers. It is one of those rare locations where visitors and locals alike have a snapshot into an era of discovery, as hardworking settlers who lived off the land created the prosperous hinterland community that exists today. The time-worn cottages, chalets, old mill waterwheel, historical sites and high-set Queenslanders still stand proudly in the fresh mountain air, carefully preserved amongst a lush backdrop of mountain vista to keep the charm of Montville alive. Montville began in the history books as Razorback – a tribute to the steep ridge on which the township stands. First settled in 1887, the name of the prosperous little town was changed by one of the first better-known settlers, Henry Smith, who renamed the town after his previous home in the United States. The newly christened Montville then began its transformation. Timber getters who had had an eye on the rich timber available on the mountain arrived, and trees were cut into logs and slid down the range to be transported to timber mills. As the land was cleared, more settlers appeared, and with them came the farmers. Dairy farmers tended to the cattle who feasted on the abundant grass, while fruit growers’ businesses thrived on the soil, with avocados, macadamia nuts, pineapples and citrus fruits flourishing. By the early 1900’s, Montville had gained quite a reputation for a - culturally rich and thriving township. The children of the village attended the local school which was established in 1896, and the farmers were kept busy reaping the rewards of the land. Sadly, during this time, fires tore through Montville and destroyed many of the old structures, but the town rose out of the ashes and was rebuilt. Today, Montville is renowned for its preservation of original structures, with sign-posted historical sites dotted throughout the village. Perhaps the most well known building offering a slice of history, is the Montville Village Hall. Visitors to the hall can find an array of early photographs from Montville’s first settlers, a fitting tribute to the building which in times gone by was the School of Arts in 1903. At the entrance to the Montville Village Hall stand the Memorial Gates, which were erected in 1921 as a tribute to the settlers who went to war. From 1970 onwards, Montville’s past as a farming town slowly began to be outshone by its present-day desirability as a tourism destination, as more and more visitors visited the town to experience the beauty and wonder of this hinterland community.
ll words anna rawlings
Interesting historical facts: •• The first settlers moved in to what is now Mill Hill Road. •• Montville was home to many fruit growers who were pioneers in the industry, with George Butt and Henry Smith making their mark in the citrus industry and Alfred Bowers beginning the pineapple industry. •• A notable early resident was Henry Smith and his brother Alfred who in the 1890’s opened Montville’s first store. They brothers also ran the first private telephone line between the store and their house. •• A popular historical site is the old school building which stands at Razorback Lookout. Images from top: House guests on the bowling green at Elston Guest House, Montville,1930s; Old Shed; Motoring group admire the view from the Montville Road, ca 1930: Harry Gunn carting pineapples in wooden packing cases from Montville to Palmwoods, 1914; Len Huxham picking pineapples on Alan Clarke’s farm, Montville, ca 1915 [Pictures courtesy of the Heritage Library, Sunshine Coast Council]
Coffee – Where better to sit in the sun, surrounded by the roasted aroma of coffee beans, than Montville? Sip on a speciality blend while nibbling on hand-made fudge, vegan dessert options and delicious sweet treats.
Get married – With Montville’s stunning ambience and gorgeous scenery, it is renowned as an extremely popular wedding destination. Your special day will become magical with a dazzling array of wedding packages and options available.
CHESTERTON SMITH PHOTOGRAPHY
The Blackall Range – Spend a lazy Sunday afternoon taking in the sights of the range on the winding road as it passes through Montville, Flaxton and Mapleton offering spectacular views over the Sunshine Coast. Locals can often be found going for a drive, while tourists will delight in the breath-taking view.
AWPP STUDIO
Art – Montville is well known as the artistic hub of the Sunshine Coast. With boutique and public galleries boasting a wide array of local and international talent, art lovers will rejoice and you might even be tempted to start your own collection with a special piece!
Wine tasting – A trip to the hinterland is not complete without a captivating tour around the many wineries. Taste a selection of wines (complete with the compulsory cheese platters) while touring the stunning vineyards.
Walking – There are three walking tracks nearby in the Mary Cairncross Park, Kondalilla National Park and Mapleton Falls National Park for those who want to absorb the natural beauty of the area. For the more adventurous, the 58km Sunshine Coast Hinterland Great Walk will take you on a rainforest trek through the range.
AWPP STUDIO
The Accommodation – Your accommodation is key to making your Montville moments memorable. From the beauty of exclusive lakeside retreats to romantic bed-andbreakfasts, indulge in Montville village life with a variety of cabins, chalets or rooms available.
Markets – Stroll through the stalls in the main village square to buy fresh produce, juices, coffee, flowers and warm breads and cakes from the local farmers’ market. Shopping – The main street of Montville is home to a buzzing shopping strip offering everything from handmade clothing to jewellery, leather, antiques, designer dolls and potteries, all reflecting the quirky vibe of whimsical village life. The Waterfalls – A visit to Kondalilla Falls needs to be on your itinerary. With its crystal-clear mountain water cascading 90m over rocks and its calm rock pool offering a great swimming hole. Make your way through Kondalilla National Park to the falls with a choice of two walking trails for varying fitness levels.
Take Photos - From the mountain range and bright yellow flowers dotting the hillside on the drive up to the wildlife and picturesque cottages and historical sites, capture the beauty of Montville on your lens to keep forever.
Eating – Be tantalised by degustation meals at award-winning restaurants, take the family to dinner, or indulge in a wood-fired pizza from a local take-away shop, with a range of dining options to tempt everyone’s tastebuds.
WHAT’S ON
Montville
Live Entertainment
The Sunshine Coast Art Gallery Trail
Fridays, Saturdays & Sundays
Anytime!
Enjoy the atmosphere of live entertainment at the Montville Café, Bar and Grill every Friday night in the function room and Saturday and Sunday afternoons in the beer garden with a regular line-up of talented local musicians. The performers include Margy Manfield, Brian Carlon, Julian Jones and Lara Thompson, all of whom can be found on the entertainment schedule throughout the year. Make it your regular, with their musical talents setting the tone for a great night out or an afternoon of chilled drinks. www.montvillepub.com.au
Real Food Festival 7 September – 9am to 4pm
Father’s Day 2013
www.hinterlandtourism.com.au
Treat dad to an array of dining and entertainment options to show him how much you care. The choices are endless – take him to lunch (with degustation menus on offer at award-winning restaurants), spend an afternoon at the pubs, browse the handcrafted leather items in stores dotted along the main street, or catch-up over a coffee at the popular cafes.
Head to the Maleny Show Grounds on 13 Stanley River Road to experience a food lover’s dream with the finest produce Montville and the Sunshine Coast has to offer. Throughout the day there will be the opportunity to meet and talk with local manufacturers and producers, or have a chat with local restaurant owners. Enjoy the demonstrations and events on offer.
1 September
Montville is the artistic hub of the Sunshine Coast with a reputation for being home to many talented artists. Pick up a brochure from the local information desk and spend a day or a week, travelling through the Hinterland visiting each gallery that participates in the trail map. Travel as a group or organise your own trip, with stops at the cafes and shops along the way. Most of the galleries also offer workshops so you can release your inner artist! www.sunshinecoastgallerytrail.com.au
Farmers Markets Every second Saturday
Take a trip up to the markets every second Saturday with the gorgeous market stalls set up in the village town centre. Choose from local produce, including organic fruit and vegetables, coffee, honey, freshly-baked goods and handcrafted items, with occasional demonstrations offered. Add it to your calendar as a fortnightly ritual for the whole family and ensure you arrive early to get the best pick of the produce!
the panel
Welcome to this month’s edition of the panel; a place where we invite our business experts to answer your questions – for free! It can certainly be tough running a business on your own, so our experts will be on hand each month to offer advice.
Sandra Wills
Certified Financial Planner™ and Director Wealthways www.wealthways.com.au
What does it take to be wealthy?
Tasha Hungerford B.Com CPA
Director Grow Accounting
www.growaccounting.com.au
I pay some people as contractors – why are people saying I still need to pay super for them? I understand your confusion as it’s not as clear cut as it used to be! However the first test is if they are paid as an individual as the superannuation guarantee rules do not apply for a company, trust or partnership. Please note that even if you are provided with an ABN this does not automatically mean you won’t have to pay super! The factors that would be considered are: 1. Can they sub-contract someone else to do the work you have asked them to do? 2. Are they paid to achieve a result (e.g. an agreed amount to construct a fence)? As opposed to being paid hourly, piece work or commission. 3. Are they liable to rectify any defects in their work? 4. Do they provide their own tools and equipment?
After 27 years of dealing with people and money, I’ve learned that there are four basic rules that are non-negotiable for wealth creation. 1. Spend less than you earn There’s simply no way to make wealth materialise from thin air. Whether you’re a school teacher, bank manager, doctor, entrepreneur, property developer or share trader, you need to relentlessly, repetitiously and habitually set-aside the first portion of every new dollar of income that you earn. You need to lock it away into your long-term piggy bank – that is, into your ‘investment column’. Once money has been allocated to the investment column, it becomes ‘capital’ and should NEVER be spent. Eventually you’ll be able to live off the passive income that your capital generates. Congratulations – now you’re wealthy. You’re going to work because you choose to, not because you have to. 2. Invest for the long term Don’t speculate, accumulate. Collect assets and hang on to them. Focus on your work and life and don’t glamorise your investments. Use your income to keep buying good quality income-producing property or shares, either directly or via managed funds, and let dollar-cost-averaging and the power of compounding do the rest. Leave your investments alone. 3. Use debt for investment, not consumption Understand good debt and bad debt. If you borrow money for consumables (cars, furniture, holidays, clothing, food, entertainment etc.), you are increasing the cost of that item (due to interest) which means that you have less money to save or spend on other items. This means that your standard of living declines. It is very different to borrowing (within your means) to invest in property or shares which, if properly strategised, can be used to leverage or accelerate wealth accumulation. Be warned however, debt can create an illusion of wealth and make everybody else rich except you.
The more times you answer no the more likely the person is to be considered an employee and need to have super paid on their entire wage. However, no single answer would necessarily be conclusive on its own! The ATO have an online and interactive tool that can help if you are still unsure. Just google ATO Employee / Contractor Decision Tool.
4. Be fearful when everyone’s greedy and greedy when everyone’s fearful (Warren Buffett)
A very important note - If your worker is deemed a contractor you will still need to pay super for them if more than 50 per cent of the value of their contract is labour.
Can you tick each of the four boxes?
august 2013
It can take a long time for the penny to drop on this one, but you will never be successful with money until it does. Most people keep making the same predictable investment mistakes time and time again. When share prices fall, incredulously most people sell their shares. Refer back to rule number two. Anyone who earns income can create wealth to achieve financial independence, but it’s akin to running a marathon – it won’t happen by accident or overnight. Getting professional advice takes the guesswork out of it.
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the panel
Debbie Riddiford
Linda Ireland
BBus (Acc), CPA, FIPA, Accredited Business Coach.
B.Bus, Dip.FS (FP, FMB), C.Dec Director Mortgage Choice
www.pjtaccountants.com.au
www.mortgagechoice.com.au/linda.ireland
What can I do differently this financial year to improve profitability? Do you have a ‘when / then’ attitude – when I get the money, then I will be able to do X? If so, stop right now! In my experience, a positive attitude and a touch of planning is a very powerful overriding factor in achieving success over failure. Take a moment to write down the answers to these fundamental business questions: •• Why did you go into business? How is that working for you? •• What is the purpose of your business? •• Where is your business at financially right now? •• Where is your business heading? •• What is your business’s strengths and weaknesses? Once you have done this, try tackling some of the more in-depth questions below. Opportunities and threats Did you set SMART (specific, measurable, achievable, realistic and relevant with timelines) goals last year? Did you achieve them? If not, why not? Who held you accountable to achieve your goals? What is your business’s potential? How are you going to lead your business so it reaches its full potential? Have you identified your profit drivers? Are you measuring your profit drivers? What strategies do you have in place to grow them? What do you want – personally and in business? Specific outcomes Have you set your goals in place for the year ahead, to establish what you want your business to accomplish? Have you broken your goals down into small achievable projects? Have you prioritised your goals? Do you have a projected cash flow in place to monitor your actual figures for the year ahead? Does it work in with your goals? What innovative ideas are you going to implement this year? What are your profit margins? What is your break even point? Do you know how much your sales will need to increase to cover any increases in fixed costs? Do you have the correct business structure in place for you and your business needs? Once you have finished answering the above questions, sit back and take stock. Now is the perfect time to start afresh, review your answers and re-focus on you and your business needs. Your cash flow will ultimately determine your ability to function in business and be the difference between success and bankruptcy. 74
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Are you in a position to purchase an investment property? More than one quarter (26 per cent) of Australian homeowners are considering buying an investment property, with 56 per cent of these indicating they intend to make the purchase in the next two years. These are some of the findings from the 2013 Homeowner Intentions Survey of over 1,000 Australian mortgage holders, conducted by Mortgage Choice. The findings are a welcome sign that Australians are beginning to feel confident enough to take advantage of the current low interest rates, and are considering making a significant investment in property. It is really positive news for the property market to see a considerable chunk of homeowners weighing up the decision to purchase an investment property in the near future. One reason for interest picking up may be due to the fact that lenders’ interest rates on both home and investment property loans are currently at their lowest point in recent years. Of the 25 per cent of respondents who already own an investment property, 68 per cent own one property, 19 per cent own two, and 13 per cent own three or more properties. Australians are having a love affair with bricks and mortar, it is true. There was a close race at the top when respondents were asked about the most sought-after aspects of an investment property. 66 per cent of respondents said that their focus was tenant demand in the area, and almost the same number – 65 per cent – said they wanted an investment property in the right suburb and street. The top five factors that buyers were shown to look for in an investment property were the locality in relation to amenities and entertainment (53 per cent), population growth in the area (46 per cent) and infrastructure going into the area (44 per cent). By far the most preferred investment strategy (59 per cent) for respondents was to buy an average property in an up and coming area, and to hold onto the property. Where to from here? Understanding your financial goals and deciding on the right strategy to achieve them is essential when making any investment decision, including property investment. We can assist by checking your borrowing capacity and discussing different product options, along with the correct structuring of any new investment loan, often saving you thousands of dollars in the long run. profilemag.com.au
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business my business
welcome to business spotlight – where local business people share advice from their industry, to help you in your business or home. This month, we explain what virtual offices are with anna oliver of pikki street and interior design with maggie munarin of ozdesign furniture.
What is a virtual office?
Home is where the heart is
Information provided by Anna Oliver, owner and manager of Pikki Street Corporate Centre, www.pikkistreet.com.au
Information provided by Maggie Munarin, owner and manager of OzDesign Furniture, www.ozdesignfurniture.com.au
In today’s age, the virtual office is becoming an increasingly realistic dream. In fact, research shows us that a high majority of Australians, especially Sunshine Coast residents, work from home. So what happens to some of the necessary functions of a physical office when working in the cloud? A virtual office provides the benefit of a CBD professional office, leaving you free to conduct your business without administrative responsibilities and large overheads. Virtual office staff can make appointments, send reminders, provide quotes, undertake typing, collect / open mail, undertake filing and can even offer clients’ meeting rooms for their own business use. This allows clients a professional presence for their business for the cost of couple of coffees per day! A virtual telephone answering service also takes the home business to the next step. Clients can divert their mobiles or home numbers to a dedicated line when they are in a meeting or are simply busy doing paperwork. Your calls can be answered in the relevant company name. Services are catered specifically to meet clients’ business type, needs and budget. They include: •• •• •• •• •• •• •• •• •• •• ••
Personal reception services Mailing Service Full copier and printing services Board room and meeting room facilities Administration and personal assistant services Appointment making Telephone answering Filing Data entry MYOB or QuickBooks Mail collection.
Have fun with adding a splash of colour to your home with new season colours such as muted oranges, greens, blues, greys, pastels and brights making a comeback. Or why not create a classic Coastal look using natural fibres, cotton, linen or sisal and accessorise with muted Coastal brights such as blues and teals. You are only limited by your imagination. Adding large, statement pieces such as beautiful decorative lamps or large ceramic pieces can transform the look of a home - adding that all-important wow factor. Rustic timbers in two-tone, white or dark stains can be used together to create an eclectic look - add simple floral cushions or greenery for a soft touch. There are a variety of great new fabrics available in all colours these days, allowing you the freedom to be as creative as your heart desires. Want to stand out from the crowd? Mix and match a blend of styles and finishes. Be inspired by retro, mid-century classics and bright textured fabrics dominated by spots, geometrics or mosaic. When it comes to a contemporary look, size matters. Go for big sofas and large, bold prints. But most importantly, build a home with heart and let your imagination run free. For some great inspiration visit Oz Design Furniture, Maroochydore or call 5479 1377.
For more information contact Anna at Pikki Street on 5452 9800. 76
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milestones
ll photography chesterton smith photography
M
aleny artist and creator of Image de Plumes, Audrey Raymond has always had a passion for the arts. Following a successful career in acting and dance, both in Australia and in the UK, Audrey built a strong reputation and business in decoupage which is the art of adorning surfaces with cut-out paper. “I was published and promoted internationally and established a strong reputation and business around classical 18th Century style decoupage,” explains Audrey. “I held decoupage classes from my studio in Maleny and had two successful books on the subject published.” Unfortunately, a broken arm meant an end to Audrey’s decoupage business, but it was then that Audrey moved on to her next calling in the form of Image de Plumes. Audrey shares with us her life’s milestones that have shaped who she is today.
Life changing milestone 1: A trip of discovery to the USA, 1983 I have had four passions in my life: the arts, travel, dogs and helping those less fortunate than myself. In 1983, after the breakdown of my marriage, I went on what turned out to be a life-changing trip to America. I visited a house full of beautiful, what looked like, painted furniture, and other richly decorated objects d’art. It was the first time I saw decoupage - the art of adorning surfaces with cut out paper under many layers of varnish - an art that was practised by Marie Antoinette and Madame de Pompadour. From those first introductions to decoupage, I was blessed to be hosted around America by generous, dedicated and wildly-talented members of the National Guild of Decoupeurs. returned to the UK where I lived in a state of creative euphoria as I started to put into practice all I had learned. Life changing milestone 2: A broken arm opened an exciting new door, 2006. On a trip to England I was asked to take my cousin’s two Labradors for a walk on their leads, but in chasing a hedgehog they brought me crashing down on gravel drive and I smashed my shoulder. Back in Australia, I could not raise my arm above my waist and all thoughts of ever being able to do decoupage, which required hard sanding of the varnish, were gone. One morning, while lying disconsolately in bed wondering what I could do creatively, my mind rested on silhouettes of which I had had an interest for some years and I hit upon the idea of dressing them in feathers. I rushed out and bought some rather nasty dyed ones, but from that beginning Images de Plumes (feather images) was born. Life changing milestone 3: Asylum seekers and refugees, 2004 I have had some hard times in my life and also some very good ones, and travel has given me the opportunity to see those whose lives are so much tougher than mine could ever be. It was therefore a wonderful milestone in my life when I was introduced to the Buddies Refugee Support Group based on the Sunshine Coast. This is a group of caring generous-hearted hard-working people dedicated to the plight and treatment of refugees and asylum seekers in this country. We are signatories to the Universal Declaration of Human Rights and have therefore pledged to help all those who are seeking asylum due to persecution and suffering. 78
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Audrey Raymond
Life changing milestone 4: To London and beyond. a long time ago! At school the only thing that really grabbed me was art, dancing and acting and I started treading the boards at the Independent Theatre in North Sydney while still at school. At eighteen, I went to England to study dancing for three years and then opened a dancing school in Kent owned by a couple of Cockney bookmakers! After a year working seven days a week, we had 250 students on our books. Soon after, I returned to Australia and taught dancing in Sydney at a well-known dancing academy. However, itchy feet took me to work in Singapore, an island still imbued with the sense of the British Raj. During this time, I travelled around the Far East before going on to French West Africa, Senegal – it was a fascinating experience to go from a British colony to a French one and to discover how very differently those two nations colonised. Life changing milestone 5: Working for the perfect employer, before returning to Australia, 1986 The John Lewis Partnership is a greatly respected retail organisation which owns a large number of upmarket department stores throughout England and Scotland as well as the excellent very successful supermarket chain, Waitrose. It is safe to say it runs on oiled wheels because of the enormous loyalty it receives from the employees. The Partnership has very high ethics with regards to its treatment of its suppliers and its customers and takes enormous care of those who work for it. I had the very unique and responsible job of Registrar at John Lewis, best described as a form of ombudsman or independent court of appeal. Both rank and file managers could come to me confidentially with complaints or to seek advice and help, knowing it would never be passed on to senior management. It was a very satisfying environment in which to work and I learnt a lot about ethical, honest, caring management, which will be with me for the rest of my life. profilemag.com.au
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the last word
todd mckenney
Most people know him as the harsh (but loveable) judge on Dancing With the Stars, but many people don’t know that Todd McKenney has had a long and distinguished career in musical theatre. Trained in jazz, tap, acrobatics and ballroom dancing, the multi-talented performer has been treading the boards since 1984 and has starred in many stage productions. Profile caught up with Todd while in rehearsal for his latest role of Teen Angel in Grease!
My hidden talent is … I can hedge like Edward Scissorhands!
Todd McKenney is about to hit the stage in the much anticipated musical Grease
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I grew up in … Perth.
Most people don’t know that I … bite my nails.
I start my day by … walking my greyhounds Joey and Chrissy.
I couldn’t live without … my slow cooker.
I would love to be a better … singer. I’m a hack, but I’ve made a career out of it!
My most annoying habit is … I can’t sit still. It drives people crazy.
When I’m not working, I am … I’m always working!
In five years I hope to be … still working.
My all time favourite movie is … The Lion in Winter.
The one person I would most like to meet is … Cyd Charisse. She was my biggest influence.
My favourite restaurant is … Berta. It’s a modern Italian restaurant in Sydney. The food is exceptional.
My hidden talent is … I can hedge like Edward Scissorhands!
My favourite holiday spot is … Rome. I could live there. It’s a mixture of the old and new. The men dress better than the women there!
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