November Profile Magazine by Profile Magazine

LADIES AT LUNCH raising girls vs boys â&#x20AC;&#x201C; the verdict

finding clarity

in this issue

Dr Kirsten Baulch

16 22 michalle faulkner

yvette adams

regulars 4 publisher’s note

48 vanity case

6 pinboard

50 profile loves

8 he says, she says

52 style counsel

30 first bite

54 advice

34 briefcase

56 life

43 win

72 business

view – the mother of invention Dr Kirsten Baulch

people – labour of love Anna Campbell

success – givers gain Michalle Faulkner

ladies at lunch – raising girls vs boys Our lunching ladies chat about the challenges of raising girls compared to boys

cover – digital diva Yvette Adams

wealthy’n’wise business promotion Learn how to create wealth through property investing

the good life – picture of health Annie Clark

the last word Samille (Sami) Muirhead

62 Enlightened Goddess Business Network 68 Sunshine Coast Business Women’s Network

44 abode

MONEY • MINDSET • MANIFESTING

I N S P I R AT I O N A L S P E A K E R S

Michelle House - My Secret Budget

Money – more sense, more money. How to have your money flow in and out with grace and ease.

Carren Smith - Quantum Leadership Group Thursday 15th November 2012 RSVP: 12/11/2012 4th Floor Restaurant, Mooloolaba 9.00 am til 5.00 pm $98 Members $109 non-Members

Your Million Dollar Mindset Makeover! Makeover your mindset and manifest your millions, with ease!

Jules O’Neill - Body Consciousness System

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publisher’s note

I genine howard publisher

I found this issue of Profile Magazine particularly inspiring as we meet and learn all about some successful locals who have embraced change and learning as part of their DNA.’ visit us on facebook.com/profilemag

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have a new business. The business of making a baby. Well, the initial part is already done and dusted, but my new-found maternal side has well and truly kicked in, and in my usual style, I am researching every aspect of ‘birth to baby’ with gusto – as if it were a new business. Of course, like any new business, there are risks to assess, planning, budgets to be made (gee, babies apparently need a lot of ‘stuff’) and a huge, huge learning curve. Friends of mine have had a good giggle at the new world that is soon to unfold for me as I have not even babysat nor changed a nappy. Ever. However, in my world, this does not daunt me in the slightest – I love to learn new things – and if I am particularly passionate about it, will live and breathe it. You should see the collection of books on my nightstand – there is a pile with everything from What to Expect When You Are Expecting, Pebbles in the Pond (motivational business stories), Save Our Sleep to Wired For Life for my mindset. There is also a copy of 50 Shades of Grey … and yes, I did read it, and yes, it is probably the last novel I will get a chance to read for some time! With all my new learnings, I found this issue of Profile Magazine particularly inspiring as we meet and learn all about inspirational locals who have embraced change and learning as part of their DNA – all incredibly successful at what they do. One savvy young Coast local who is not only keeping up with technology but is often at the forefront is Yvette Adams. An entrepreneur from a young age, this tech-savvy mother is making her mark on the world … leaving a trail of awards in her busy wake. We catch up with much-loved president of the Sunshine Coast Business Women’s Network Michalle Faulkner, who can now add ‘author’ to her email signature, and find Australia’s favourite romance writer, Anna Campbell, living in our midst. And in keeping with our success theme, we interview Dr Kirsten Baulch who founded a nationwide workplace influenza vaccination service which has twice been listed among the Business Review Weekly’s 100 Fastest Growing Companies in Australia. So as my husband and I enter uncharted parenting waters, we have ensured we are armed with as much knowledge as possible. We aim to be the very best parents we can be so that we can be exceptional role models for our baby. We want our little one to have the mindset to dream big and live big – just like the amazing people we profile this month. There just better be a book on how to change a nappy!

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managing director / publisher Genine Howard

publisher Hamish Rose

editor-in-chief Alli Grant

editorial assistant Ingrid Nelson

graphic designer Johanna Jensen

sales manager Belinda Brill

account manager Maree McGrath

CHRIS POSTLE ARTWORK

feature writers Tonia Zemek, Taylah Baggs (student)

3 november youth music workshop Calling all aspiring and talented young musicians on the Sunshine Coast – if you play strings, flute or harp, you are invited to workshop and perform with Queensland’s elite professional classical musicians in an exclusive workshop and concert opportunity at the Good Shepherd Lutheran College, Noosa, with the Aether Quintet. Bookings are essential by Friday, November 2. Phone 0403 835 560

6 november melbourne cup day

photography Calli Burnett, Alicia Aberley

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

drop in Beach on Sixth, 104 / 65 Sixth Ave, Maroochydore

post PO Box 1065, Cotton Tree, QLD 4558

Dress to the nines and head to the Sunshine Coast Turf Club this Melbourne Cup Day. Live racing, roving entertainment, Fashions on the Field and a big screen TV on the course are just some of the attractions. This is one race day not to be missed. www.sctc.com.au

until 12 november natural passion art exhibition The Sunshine Coast will have an opportunity to view amazing works by Chris Postle, a sought-after local artist whose work graces the walls of homes across the globe. Two of his paintings, Enter the Dragon and Morning Wash, were finalists in the 2011 Mortimore Prize and have just finished a travelling exhibition from Sydney to Melbourne. www.harboursidegallerynoosa.com

advertising 5451 0669, sales@proﬁlemag.com.au

distribution 15,000 free copies are street delivered to high trafﬁc areas such as high-end cafes, fashion boutiques, hairdressers and professional ofﬁces across the Sunshine Coast, monthly, and online along with an eMAG sent to 6000 inboxes monthly

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

accounts Katherine Allan – accounts@proﬁlemag.com.au

from 21 november sunshine coast festive season program The Sunshine Coast community is invited to enjoy a great line-up of more than 50 activities offering something for everyone this festive season. Activities include Council’s regional Christmas tree trail, local festive community events and workshops, and exciting New Year’s Eve and Australia Day celebrations. www.sunshinecoast.qld.gov.au

30 november fashionista fridays Always on the last Friday of each month, Fashionista Fridays are proving to be the hottest event on the Sunshine Coast. Proudly supported by Profile Magazine and My Weekly Preview, each event features a fabulous fashion parade, sensational three-course meal and drink on arrival for only $55. This month’s lunch is hosted by EBB waterfront dining and fashion is by the fabulous OV Boutique. Funds raised will go to the Katrina Day Family Appeal. www.facebook.com/FashionistaFrid

Profile Magazine is a free publication (subscriptions available) published 12 times a year by Profile Magazine Publishing Group Pty Ltd. All rights are reserved and the contents are copyright and may not be reproduced without the written consent of The Publisher, Profile Magazine Publishing Group Pty Ltd (“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.

Be my Guest!

Let me buy you a coffee! If you’ve been thinking of either buying or selling real estate lately and you just want to chat, join me for a relaxed coffee anytime. “Jodie reads people very well and treats her clients with understanding and consideration” JODIE MCDONELL Next Property Group M: 0419 762 309 P: 1300 400 777 E: jmcdonell@nextpropertygroup.com.au 6

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‘Dream to Downsize’ profilemag.com.au

n o i s s a P e r e h W Meets Purpose

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november 2012

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he says, she says

Fame and fortune … they usually go hand-in-hand right? Not always (some people are famous for all the wrong reasons!). If you had to choose between between being chased by the paparazzi or a fat bank account, which would it be? This month, we ask our regular funny guys, Todd and Sami from HOT 91.1, for their hilarious take on the matter.

sami and todd

he says

ou know I always thought fame and fortune went hand-in-hand, like Corona and lime, like Batman and Robin. And before we go any further, yes, I put fruit in my beer. That does not make me soft. But I digress, the lime in the beer is to keep scurvy away. I’ve never had scurvy, probably never will and I credit the consumption of beer and lime to that success. Anyway, I figured if you’ve got fame then surely you’ve got plenty of foldies in the bank. If you’re gracing the cover of chicks’ magazines around the world then the ‘Pat Cash’ must be rolling in. Apparently I’m wrong. I’ve been misled by the likes of P Diddy and Kanye with their half-million-dollar watches and their bikini-clad girls all lining up for a dip in the dosh-filled jacuzzi of fame. But it’s all a music video rouse apparently, and being famous doesn’t guarantee ample moolah. Therefore, if I had to choose, it would be funds over fame. I’d love to have cash to burn and to be honest I’ve already tasted top-shelf notoriety with a stint on a nationally-televised beer ad. Sure it’s a non-speaking role and no-one knows it’s me, but hey, it’s there nonetheless! In fact, only a fortnight ago I experienced the perils of so-called fame as I was leaving the shops. I was just closing the boot of the car when a woman stopped me and said, “I’m sorry but can I ask you a question?” I immediately prepared myself with the stock standard, “Yep that’s me, in the beer ad, the tubby hubby in the kitchen … would you like a photo you can Instagram?” The lady started smiling and said, “Sorry, but I’m just wondering if you’ve finished with that trolley and if so, can I have it?” Yep, the perils of fame! Of course I said no. Well I was shopping at Aldi and I wanted to get my two bucks back! Can’t start amassing my fortune to go with my fame if I give away two dollars at the drop of a hat now can I?

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She says

sually I am a hopeless romantic and believe in all things virtuous. But you know what? To heck with that. Money may not buy you happiness but it sure buys nice things to cheer up the average misery guts. Cold hard cash comforts. Full stop. Fame however? Well the most photographed celebrity in Hollywood at the moment is Kristen Stewart. You know the one I mean? The vampire emo kid who makes Victoria Beckham look like Mother Teresa in the warmth stakes. And what has fame done for Winona Ryder and Lindsay Lohan? It reduced them to nicking stuff from high-end shops to keep up with the pack. Have you seen Macaulay Culkin of late? The cute little boy looks like a bedraggled, malnourished drug addict. He doesn’t have a penny to his name but everyone knows his name. Fame comes with so much scrutiny while money buys true anonymity. What good are one thousand screaming fans if you can’t afford to buy a good bottle of red and a big, fat, juicy steak? Michael Jackson died penniless. I guess Whacko Jacko would have taken a new face-lift over a juicy steak. But you get the point. Famous people have to be so well-behaved all the time. Famous people have so much pressure to be skinny. The beautiful people have to have fabulous style, or at least have a fabulous stylist to buy them some taste. It’s exhausting just thinking about it. I would rather be sitting in my trackie dacks scoffing down French onion dip while laughing evilly as I counted my millions. Yes, fame may buy you immortality but you will die a hungry, skinny and probably sad soul. I say pig out, live large and have no regrets. May I leave you with this politically incorrect but slightly fabulous quote from Lana Turner, “A successful man is one who makes more money than his wife can spend. A successful woman is one who can find such a man.” Amen!

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P 0410 962 917 E mark@markcotterell.com facebook.com/MarkCotterell.MasterJeweller www.markcotterell.com

november 2012

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photography calli b photography ll styling ingrid nelson

Model Kristina (front) wears the ‘Sherri’ dress by Jaylah Kade (designer Kylah Elliott featured). The dress is from the Coco Viva range and is locally-designed and hand-made on the Sunshine Coast, RRP $245. Available from Rick’s Garage, Palmwoods, or visit www.jaylahkade.com.au.

MEET KYLAH profile: Have you always wanted to be a designer? kylah: No, when I was a little girl I told my mum that when I grew up I wanted to work in a lolly shop. However, as far back as I can remember, I have always loved dressing up. I would dress up in everything and anything I could get my hands on. It wasn’t until I was 15 or 16 I realised I could make clothes for everyone to play dress-ups! I saved and saved to buy my very first sewing machine and I haven’t stopped sewing since. 10

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Fashion is synonymous with luxury, and Coastline BMW is proud to present the ‘Driving Style’ campaign in support of our very own thriving fashion industry. The Sunshine Coast plays host to a plethora of talent, with fashion designers leading the way and making their mark on the world stage. Kylah Elliott is one such amazing designer. We interview Kylah and showcase one of the fabulous creations from her latest collection.

profile: Tell us a little about your background. kylah: I have lived on the beautiful Sunshine Coast for the past 18 years. I absolutely love the lifestyle and couldn’t imagine living anywhere else. I have always loved bright and bold fabrics and all things vintage. I love creating new designs and finding unique fabrics. profile: What makes your designs different from other’s? kylah: What makes Jaylah Kade different is my interpretation of all that inspires me. My style incorporates a unique touch of vintage elegance using modern fabrics and vibrant colours for the goddess of today. Jaylah Kade is all about enhancing confidence through styles and silhouettes that make you feel sexy, stylish and elegant for all occasions.

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The BMW 320i Sedan. Love The Way You Move. Combined fuel consumption: 6.0l / 100km Acceleration 0-100kms: 7.6 sec The BMW 3 Series Sedan range starts from $62,292 drive away* Test drive today at Coastline BMW, 770 Nicklin Way, Currimundi Phone 5491 9100. www.coastlinebmw.com.au profile: What training have you had? kylah: I completed a diploma in fashion at Tafe, where I learnt all the basic aspects of the fashion industry. profile: What is the inspiration behind your work? kylah: There is no one person or one thing that inspires me, I am inspired by everything I see and do. I love all things vintage – cars, magazines, movies, paintings, vibrant fabrics, floral prints, polka dot and beautiful lace. profile: What are your future plans? kylah: I would like to expand my label, Jaylah Kade, and see it sold all over 2012 Australia. I would also like to venture into kids’ wear. november

*Drive away price on a BMW 320i Sedan, auto transmission with no optional extras.

profile: Tell us about your current collection? kylah: My current collection is inspired by ‘50s silhouettes. All things vintage, using modern vibrant fabrics with a rockabilly edge. Who does your clothing range appeal to? kylah: Jaylah Kade appeals to beautiful, confident women who are looking for something unique and elegant. They want the perfect fit, they want to look chic and classic at the same time. The Jaylah Kade goddess loves vibrant colours, stylish silhouettes and statement pieces. My current collection incorporates a range of different silhouettes to suit a variety of body shapes. profilemagazine

view

words tonia zemek ll photography calli b photography

Dr Kirsten Baulch knew she’d have to write her own prescription if she were to achieve the life of her dreams. Financial freedom, philanthropy and travel were at the top of her wish list. So she invented a business that remedied her deepest desires, as Tonia Zemek discovered.

t this time of year senior high school students are busy making plans for the future. Some will enter the workforce while others opt for further study. Travel might even be on the agenda. They’re all facing that universal dilemma; what to do after leaving school? Twenty years ago I was asking myself the same question. Luckily I found the answer easily. I’d always been a storyteller so journalism seemed like a good fit. I figured if I could use words as my currency I’d always be able to pay the rent. When I meet Noosa’s Dr Kirsten Baulch she joins me in reminiscing about career choices. Like me, she’s in her late 30s and had a similarly smooth transition. “Study and performing academically came easy to me,” she admits. “It was natural to want to go on and do something like medicine. I wanted something complex and difficult and challenging, but also something that does good for people because I care a lot about other people.” She ended up studying medicine at the University of Queensland. After graduating she interned at the Royal Brisbane Hospital. Around this time she met her future husband, Graeme, a local businessman with his own commercial lighting company. Meanwhile, Kirsten was having her own lightbulb moment.

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kirsten baulch

She was contemplating using her medical background for “something new and different”. “I was never going to be that person who just sort of worked for someone and clocked in and clocked out. I wanted to have choice over where and how I worked.” Graeme was undertaking business studies and encouraged Kirsten to do the same. Remarkably, she managed to combine her long hospital hours with stints of study. After two years she completed a graduate certificate in business administration. In 2000 Graeme and Kirsten married. Their work kept them at different addresses. Graeme was based in Brisbane while Kirsten worked as a GP in Gympie. In her spare time Kirsten’s imagination took hold … a business was brewing. The business was Medimobile, a nationwide workplace influenza vaccination service. The work would be seasonal, as the vaccinations had to be done before winter, so she could continue practising as a GP for part of the year. “I think starting a business is difficult and it’s not for everybody. You have to be a bit fearless and a bit radical. There’s a lot of hard work and a lot of focus and energy that goes into creating something like this.” When the business was still in its infancy, Kirsten gave birth to her son, James. He accompanied her to Medimobile headquarters and, together with a couple of female staff, they juggled caring for the baby and the business.

profilemag.com.au

I actually feel I was put on earth to save lives … I realised I had this natural drive and ability to create businesses but I thought, ‘What if I could tie the two together?”

I tell Kirsten it sounds almost like having two babies. She agrees and says it’s like having twins. “They’re just two twins that look very different but are equally hungry for your attention and time.” The nurturing paid off as both James, now four years old, and Medimobile are thriving. The company has won a Telstra Business Award and has twice been listed among the Business Review Weekly’s 100 fastest growing companies in Australia. The accolades are nice recognition but Kirsten’s motivation comes from a much deeper place. “I actually feel I was put on earth to save lives. In the beginning I thought it was to save lives in the conventional sense as a doctor. Then I realised I had this natural drive and ability to create businesses but I thought, ‘What if I could tie the two together?’” She quickly found her answer. One dollar from every vaccination is donated to a life-saving charity. So far, Medimobile has raised almost half a million dollars in donations. Each year, Kirsten and Graeme, together with their staff, decide where their contributions should be directed. “It usually goes to projects that give health services to children in the third world.” Kirsten now has her sights set on somehow contributing to the work of the Global Alliance for Vaccines and Immunisation (GAVI). The alliance already has some formidable forces involved, including the Bill and Melinda Gates Foundation. Kirsten says GAVI’s work appeals to her because they help children in poor countries gain access to life-saving vaccines. As a mother and doctor, it’s obvious Kirsten has a natural affinity with children. It’s no surprise her latest business venture revolves around kids. Nationwide Nannies is an Australia-wide casual babysitting service that launched in April. Thanks to Medimobile, Kirsten’s now well-versed in the logistics of big business. “We’ve already built systems around having a large workforce where all the checks and balances had to be in place. So to take that software and adapt it to the nannies’ environment was quite simple.” Software and technology are recurring themes throughout our chat. As well as applauding her staff, for whom she has great respect, Kirsten is grateful for the freedom technology affords her and her family. She’s now able to stay connected online but base herself overseas four months of the year. A love of Italy has led to her family now calling Lake Como their second home. “Noosa and Lake Como are two places where somehow our little family unit just thrives, and it works.” I congratulate Kirsten on the wonderful lifestyle she’s created. She reminds me it’s been 20 years in the making. “I can’t believe it! I mean there’s a lot of planning and a lot of hard work and all kinds of bumps in the road and exhaustion but I’ve finally been able to say I pulled it off and dreams come true.” Kirsten now wants to use her own experience to help nurture the next generation of entrepreneurs. She’s thrilled to be on the board of the Innovation Centre at the University of the Sunshine Coast. It’s a place where businesses are supported in the start-up phase. When it comes to mentors, I’d say Kirsten is just what the doctor ordered. november 2012

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people

words tonia zemek ll photography calli b photography

Anna Campbell read her first Mills & Boon at just eight years of age. So began a lifelong love affair with reading and writing romance novels. Today, she’s the proud author of seven titles published in 11 languages. Anna met with Tonia Zemek to reveal just how she achieved her very own fairytale ending.

’ve recently started a new relationship that has me up late most nights. You could say we’re inseparable. We go to work together, we eat lunch together and we never have a night apart. This new relationship is between me and a certain book. It’s a romance novel and my first foray into the genre. I started reading it in the name of “research”, but after the first couple of chapters I was hooked. The book is Midnight’s Wild Passion and the author is the Sunshine Coast’s very own Anna Campbell. Anna is single but she has more romance in her life than any woman on the Coast. She spends her days being seduced by hunky men from a bygone era. As an historical romance writer, 51-year-old Anna sets her novels in the early part of the 19th century. She first discovered the genre at just 14 years of age. “I read a book called The Wolf And The Dove. It was full of naughty bits and I just loved it,” she roars with laughter before adding, “I thought ‘that’s what I want to grow up to write’.” Today, it’s not just the raunchy pages she enjoys penning. Anna loves to create intelligent and complex female characters. “Life was difficult for a strong woman in the 19th century. The laws were against her, owning property was a difficulty and careers were closed off to her. It’s actually quite interesting to write about someone who’s navigating a path to happiness against such a social landscape.” Anna’s own journey to success wasn’t easy. After completing an English literature degree, she took up a string of part-time jobs to allow her time to write. Stints in retail, hospitality, marketing and even technical writing all proved unfulfilling. “The problem with dead-end jobs is you basically get stuck in a dead-end. You haven’t got any money to make any choices.” Along the way she veered off course with her writing too. Stepping away from her first love of historical romances, Anna tried her hand at a more contemporary style. She wrote eight Mills & Boon novels but none were picked up. “It was such a shock to me that I hadn’t got published. I actually didn’t submit anything to anyone for 13 years after that.” She continued writing purely for pleasure. Quite simply she “just had stories to tell”. Then in the early ‘90s she started a new chapter to her own story. A move from Brisbane to Sydney was the catalyst for a chain of events that ultimately led to her big break. Anna joined Romance Writers of Australia, an organisation that provides support and development for unpublished authors. “All of a sudden I had people to give me advice,” she recalls, with an expression that looks like relief. Around this time she returned to her first love, writing historical romance.

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anna campbell

“Coming back to the genre was just like slipping into a warm bath, it was comfortable and it just felt right.” After more than a decade honing her craft in Sydney, in 2005 Anna relocated to the Sunshine Coast to be closer to family. “There’s something so relaxing about the sea and I think often when you’re writing you need to get yourself into a semi-hypnotic state.” Her ship came in the following year. After a bidding war between three New York publishers, 45-year-old Anna finally signed her first book deal. Having convinced herself she’d never be published, she describes the experience as “really, really surreal”. Her publisher was Avon (the romance division of Harper Collins) and the book was Claiming The Courtesan. “It was validation for all those years of hard work and the fact I’d stuck to it.” Since then, Anna’s published six more titles with her latest, Seven Nights In a Rogue’s Bed, released in Australia just last month. Her bookshelves are filling up as fast as her trophy cabinet. Last year, the Australian Romance Readers’ Association awarded Anna the title of Favourite Australian Romance Writer, an honour she’s held for three consecutive years. Having spent so long without any readers, today Anna’s humbled by their accolades. “To actually have a readership, and particularly a local readership who love your books, it absolutely means the world to me.” There’s a sincerity to her words that explains just how she’s able to write about the heart and from the heart. “One of the lovely things about romance writing is we write about relationships, and because we write about relationships, I think we’re interested in relationships. It’s quite a nurturing environment.” So how does she cope with criticism about her beloved profession? “I actually think some of the criticism is a sexist thing as though anything women are interested in is therefore trivial.” She’s also quick to denounce the “mummy porn” tag that’s been linked to books like 50 Shades of Grey, saying she finds the term offensive. “I think women are the big readers, women are the big fiction buyers and I think that label of ‘mummy porn’ is demeaning for all of us.” Although Anna’s aware of the hype, she hasn’t read 50 Shades of Grey and as such won’t comment on its content. But she’s quick to admit anything that gets people reading is a good thing. “When I get a good book there’s that almost mystical communication with the writer going on and I want that with the reader. I want my stories to go out and touch a reader the way a really good book touches me.” If her recent success is anything to go by, she just might get her fairytale ending. profilemag.com.au

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november 2012

profilemagazine

success

words alli grantll photography calli b photography

michalle faulkner

If you’re ever looking for an example of a successful savvy business woman who walks her talk, look no further than Michalle Faulkner. The local HR guru, turned author, turned president of the Sunshine Coast Business Women’s Network has had quite the year, as Alli Grant recently discovered when she caught up for a chat with a fellow “chatter”.

profilemagazine

think you’re either born a “people person” or you’re not. Some of us are blessed with the gift of the gab and the confidence to enter a room and strike up a conversation with any Tom, Dick or Harry (or Susan, for that matter). It’s how we’re wired. I’m one such beast. I’m a chatter. A talker. A connecter. I love to make new friends, to uncover their stories, to share my own – to be acquainted with men and women from all walks of life. Yes, I am indeed a people person – two words often used to describe me and my gregarious personality. And I have a kindred spirit in Michalle Faulkner. The woman can talk – bless her. By her own confession, she’s also a people person. “I just love people and always have, and of course, I love a good chat. I got in trouble a lot at school for talking,” she tells me. “My family used to make bets with me to keep me quiet. I would give in and cry – I was never very successful at it.” I know the feeling. I could talk under wet cement with a pair of old footy socks stuffed in my mouth. While Michalle wasn’t born on the Sunshine Coast, she has most certainly earned the title of “local”, having called Caloundra home since the age of two when she moved to the region with her family. “I can’t say I’ve lived an amazingly adventurous life, living in lots of places, but I absolutely love my life and where I live ... it’s such a dream.” profilemag.com.au

success

People did ask me why I share my personal stories, but I wanted to be real about what goes on in business.”

Despite many hurdles along the way, Michalle has certainly had a dream run of late. In fact, in July alone she was named president of the Sunshine Coast Business Women’s Network, secured a distribution deal for her book called The People Investment, turned 40 (or 39.95 plus postage and handling, as she describes it), renewed her wedding vows in Fiji, bought out her business partner with the support of an investor, becoming managing director of EastCoast Human Resource Group, and celebrated her eldest son’s 18th! Wow. No wonder she’s on cloud nine! In fact, when I caught up with Michalle she had just launched said book, with exceptional feedback. “Launching the book was absolutely surreal. It has been seven years in the making – that’s how long I have had the goal of writing an educational book for business owners. In fact, in the first issue of Profile Magazine I said I was going to do it. But I needed to meet some great people along the way – who gave me a good kick in the bum to do it. I did a one-day seminar with Rachael Bermingham [from Bermingham Books] and joined her mentoring program – that gave me accountability and deadlines, which helped me to pull it all together and get it finished. “But it’s a lot of work writing a book – a lot of personal commitment, 4:00am starts ... a lot goes into seeing it through to fruition. And now the hard part starts – selling it,” she laughs. “I just hope that people get excellent value out of it. I want it to be a resource that gets used, not collecting dust on a shelf.” While Michalle’s book is the result of many years in recruitment and human resources, it’s not necessarily just a “how to” guide. It’s full of real-life analogies and some not so nice truths about small business. She tells it how it is. “People did ask me why I share my personal stories, but I wanted to be real about what goes on in business. Yes, there are corporate psychopaths, there’s white-anting and backstabbing, there are control issues and politics to deal with – all those things happen, so I wanted to share real experiences that small business people can learn and grow from as well. It’s tough enough out there – I don’t want small business to make rudimentary mistakes with their team!” Interestingly, Michalle only discovered her passion for human resources a little later in her career. “Growing up I didn’t really have any ambition to do anything in particular. I went to college at 16 and did business and admin, got a job in admin and continued on in that vain for many years.” It wasn’t until the year 2000 that Michalle found her “passion and purpose” – helping people and working with businesses around their staffing issues, but it wasn’t to be smooth sailing, with a disagreement forcing Michalle out of a partnership in a successful business venture. She found herself without a job, without a business ... and she felt lost. “I sat down and wrote a list of thing of all the things I loved doing and things I didn’t want to do again. My confidence had taken a big hit and I questioned myself a lot. But I really wanted to take time out, 12 months, to spend time with the family. After only six weeks I knew I had to get into something before I lost the edge. “But there’s always a silver lining – you shouldn’t always think that hurdles and roadblocks are bad. It’s about choices – you choose how to recover and grow as a business person,” she explains. Essentials for Business was born, a business designed to help small business operators get their systems and structure right. While she’s definitely a people person, Michalle also has a keen eye for systems and processes. In 2010, Michalle merged with the EastCoast Recruitment Group – they had been looking to expand into human resources.

november 2012

While she is clearly proud of her small business success, it’s the “people” in her life that inspire her, starting with her husband, Wes, and three children, Jordan, 18, Brady, eight and Madison, three. I ask her about juggling it all, hoping for some kind of magic instructions, to be honest. “It’s always a juggling act – I don’t know I ever get it right necessarily. It’s about cutting each other a bit of slack, doing the best we can for our kids. We are lucky enough to have a great support network who can’t wait to jump in. But family time has to be quality family time. Yes, we’re working towards more flexibility, aren’t we all? “And ‘mummy guilt’ creeps in, but I try not to be so hard on myself. We have confident, well-adjusted kids, so we can’t be doing too bad a job. We also try to be forgiving of each other when we’re not perfect,” Michalle explains (as I quickly take note for my own selfish use). While she has much to be proud of, her beautiful family, thriving business and the launch of her book, one of Michalle’s proudest moments may just have been being named president of the Sunshine Coast Business Women’s Network earlier this year, an organisation very close to her heart, having joined as a small business woman back in 2004. “I think the Network is the most amazing support conduit to people in business, it certainly was to me in 2005 when I went out on my own. I went from being a part of a large team to being just me in small business. It [the Network] provided so much social and networking opportunities ... and I signed up to participate in the mentoring program as a mentoree. The connection with other women and the educational opportunity ... it was just so inspirational. I was a super sponge, sucking it all in.” And from that moment on, Michalle would be one of the etwork’s biggest advocates, volunteering to mentor other women in business every year – she even became the program’s facilitator. It makes sense that a people person like Michalle, a natural connector, would enjoy mentoring so much. “I just love that opportunity of being able to support other people’s successes in business. It’s my balance. I get far more out of it than I’ve ever given and it has helped me grow as a business woman as well. So many women doing innovative things, different things.” I ask her about how it felt to step into the president’s shoes. “I was absolutely so super excited about it – I am the Network’s biggest advocate, a staunch supporter of what it provides members. My experience has governed that, and I’m prepared to put in as well, to learn and not to expect anything back – just to give. To connect women. ‘Givers Gain’. That’s something I’ve always believed.” This savvy business woman is committed to giving her all to the Network, launching a new Member Connect Program – helping with targeting networking and introductions. She’s all about giving back and “connecting and inspiring business women”. “I have also been given so many opportunities to share business information with our members – I sit on the Sunshine Coast Business Council and the collective with the Chamber’s Alliance – I know we can give back so much to our members.” Michalle is all about people – teaching them, nurturing them, connecting them, inspiring them, supporting them, and of course, talking to them. Each and every day she is a excellent example of her mantra, ‘givers gain’ – with the Sunshine Coast business community most certainly benefiting from the gift that is Michalle Faulkner.

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ladies at lunch

Ladies at Lunch is proudly sponsored by

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CATERED BY elliots fine foods

1. felicity stewart 2. brenda baker 3. Deb Oâ&#x20AC;&#x2122;Connor 4. dymphna boholt 5. Kylie-Jane limpus 6. honey crĂ¨me caramel 7. pan roasted snapper

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ladies at lunch

words ingrid nelson ll photography calli b photography sponsored by boq maroochydore and wealthways ll catered by elliotts fine foods

Sugar and spice and all things nice, or slugs and snails and puppy dog’s tails – this age-old little ditty is the topic of much discussion among parents of boys and girls as to which is the fairer sex to raise. Ingrid Nelson sat down with a bunch of lovely ladies to discuss their thoughts on the subject over a delicious lunch catered by Elliotts Fine Foods at co-host Debbie Battaglini-Clarke’s beautiful Rosemount home.

rowse through the parenting aisle of any bookstore and you will find the shelves heaving with books offering advice on raising boys and girls. It’s no surprise that as one of the world’s best parenting authors and educators, Steve Biddulph’s books (including Raising Boys and Raising Girls) are in four million homes across the globe and printed in 31 languages! I have many friends expecting a little bundle of pink or blue in the coming months, including our lovely publisher, Genine Howard, who tells me she is surprised at how often she is asked if she and husband Rowan have discovered the sex of their baby (they haven’t, by the way)! But let’s face it, most mums agree that apart from delivering a healthy bundle of joy, there is always much excitement and anticipation as to whether you will be spending hours at ballet recitals or soccer matches (stereotypical I know, but you get my drift!). As a mother of two daughters and one son, I have come to realise that regardless of personality types, parenting boys and girls is a very different experience, with unique challenges and rewards. This month, I had the pleasure of sitting down with a bunch of lovely mums (of both boys and girls) who candidly shared their personal experiences on the topic. Co-hosting lunch was the delightful Debbie Battaglini-Clarke, co-owner / manager of BOQ Maroochydore and mother of adorable 16-month-old twins, James and Sofia, and fiveyear-old daughter Addison; Kylie-Jane Limpus of

november 2012

KJ Artistry and mum to two boys; four and two (with another due early next year), Felicity Stewart, licensee and property manager at Belle Property, Buderim, and mother of a 10-year-old son and 13-year-old daughter; Deb O’Connor, property manager at Century 21, Buderim, and mother to one grown daughter, 21, Brenda Baker; health and physical education teacher at Chancellor State College and mum to one son, eight, and one daughter, six; and last but not least, real estate guru Dymphna Boholt, mum to one daughter and two sons. profile: Ladies I am going to cut straight to the chase and ask the obvious question, boys versus girls, which gender is easier to raise? debbie: I would have to say that at this age James is a lot more manageable than Sofia. Sofia already has T for terror written on her head! If you gave James a spoon and cup he would be happy but then Sofia would come in and take it off him and then try and find something else. So at this stage I would say he is a lot easier to handle! kylie: Well I don’t have girls, but compared with girlfriends’ little girls, my boys are pretty easy. We are in toilet-training mode right now with our youngest boy so that is much easier than with a girl. If he was here right now I would send him off to the garden! dymphna: I think it depends on the age. They all go through their phases. I think nine was the worst age for the boys. Both of them at nine turned into feral, self-centred people, but by 11 they had

grown out of it. felicity: My son has always been the easy one! deb: My 21-year-old-daughter and I were very close until she went through puberty! We are best friends again now though. But girls are bitchy, no doubt about it. My sister has three boys and you never hear them whinge or bicker. With girls there is always drama. When my daughter is home my house is full of drama. But I love her. profile: Did you have any preference as to which sex you were having when pregnant? debbie: I really didn’t mind as long as they were healthy but I was lucky enough to get one of each with the twins so we were very happy. kylie: We were thrilled to have a son first to carry on the family name and our families were also thrilled that we were having a boy. profile: Did any of you ladies find out the sex of your baby while pregnant? felicity: I accidentally found out the first time! I was so sure I was having a boy so it was still a big surprise. kylie: I didn’t find out with the first two – it is just the best surprise not knowing, but I had to find out with the third one [although she is keeping it under wraps]. I just had to know this time. debbie: I found out with all of them. Laurie has two older girls in their 20’s so when he found out he was having a son he was almost dancing around the doctor’s surgery. brenda: No. My husband said there are not many

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ladies at lunch

debbie, brenda, dymphna, kylie-jane, ingrid, felicity and deb

ELLIOTTS FINE FOODS surprises in life, he wanted to wait. But we feel lucky to have one of each. kylie: A lot of ultrasounds are wrong too! I actually went back for a second scan just to be sure this time! profile: What differences have you noticed between raising boys and girls? debbie: Sofia is only 16 months old but already when she is getting dressed she points to her feet – she is already in love with shoes, typical girl! James doesn’t care! brenda: My daughter is the opposite, she will wear anything. My son is the fashionista. He loves shopping! felicity: I think boys are more affectionate than girls. dymphna: Definitely! debbie: I agree. James is definitely my snuggly one. kylie: Boys are easy. I am out of my league with little girls. It scares me though that when they go off and get married I will lose them! profile: So who is worse when it comes to sibling rivalry, girls, boys or both? brenda: I don’t think it matters, mine are always arguing! dymphna: I actually forced my daughter to take up netball instead of soccer because they both used to swim until she beat him and he never swam again. It’s the competition thing! felicity: Yes. Mine fight a lot too. I don’t think the sex matters. kylie: My boys are pretty good actually. They play well together. I think they appreciate having a brother to play with and my husband loves to get down on the floor and play a bit rough and tumble with them – it’s a boy thing. profile: Do you think parents sub-consciously treat boys differently from girls? kylie: My husband flipped out when he found out I had bought a pram for one of our boys. We don’t have any remotely girly toys in our house. I took the boys to gymnastics recently but it not 20

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something he would share with many people! debbie: My husband, Laurie, is quite old-school. I recently pulled James fringe back while I was feeding him with the closest thing I could find which happened to be one of Sofia’s purple clips. Laurie took it out straight away and said, ‘No son of mine will have a purple clip in his hair!’. felicity: My husband, Dean, is very arty. He’s a musician, so he is quite flamboyant. He spends more time doing his hair than me! That sort of thing wouldn’t bother him in the least. brenda: I think other people put those pressures on you sometimes. My daughter wasn’t very girly when she was little and didn’t wear a lot of pink and other mothers would make comments. profile: Do you discipline your sons differently to your daughters? kylie: I have my boys unpack the car, pack the dishwasher and I expect that of them. My kids are very well behaved and I am very firm. I take them to movies and restaurants and they know what’s expected. I would be the same with daughters. My youngest son is two and he sorts everyone’s clothes from the laundry basket. felicity: No. I discipline them based on their individual personalities rather than their sex. debbie: I can’t really answer that question as the babies are still so young but I would like to think I wouldn’t treat them any differently. They will all do their fair share. deb: I still lift and lay everything for my daughter and she is an adult! I don’t know if it’s a girl thing but I still have to tell her to clean her room. So there you have it. As we concluded our lunch we came to the decision that while girls and boys certainly have in-built traits from the moment they are born, each gender has its own challenges when it comes to raising balanced, well-adjusted children, regardless of how many parenting books you read! Whether it’s a gaggle of girls, or a football team of boys you are blessed with, there is no doubt about it – parenting is a roller coaster ride. Hang on tight!

Elliotts Fine Foods is a catering company established by husband and wife team Rachelle and Patrick Elliott, both of whom have had extensive careers in the restaurant industry. Last year the dynamic duo joined forces to start their own business, kicking off with a market stall at Eumundi Markets, where you can still find them each Wednesday. The business has now grown to catering exquisite in-home dinner parties, corporate catering, high tea parties and stunning weddings. From small intimate gatherings to large functions, they can cater for all types of events. Elliotts Fine Foods designed a beautiful menu for us lunching ladies, with co-host Debbie Battaglini-Clarke’s stunning home providing the perfect venue. Our lunch kicked off with beautiful sourdough breads from Crystal Waters, followed by pan roasted snapper with a Hervey Bay scallop ravioli, verjuice beurre blanc and a crispy leek and chervil salad. To finish, we were treated to honey crème caramel served with an almond and coconut torte, macerated oranges and candied pistachios. Each course was beautifully presented and every morsel delicious. Service on the day was top-class, with Rachelle staying for the entire lunch to ensure everything was perfect for the ladies – and it was. Elliotts Fine Foods specialise in working with their clients to create an event that is special and unique. Even better, they supply everything, from wine buckets, cutlery, crockery, glassware, linen napkins, menus and water jugs, making planning your next function so easy. 0415 038 971 www.elliottsfinefoods@hotmail.com

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www.immanuel.qld.edu.au 126-142 Wises Road, Buderim, QLD 4556 T: 07 5477 3441 E: dabineti@immanuel.qld.edu.au

november 2012

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cover story

Looking back, I always had an entrepreneurial flair, I just didnâ&#x20AC;&#x2122;t know what it was back then.â&#x20AC;?

Yvette Adams wears Kuku Jewel Stone Dress, RRP $179.95 (over One Season Pants, RRP $45.95). Available from La Vida, Mooloolaba, 5444 8833. Hair by Kooshka, Mooloolaba and makeup by KJ Artistry, www.kjartistryacademy.com. Stylists own necklace

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cover story

words ingrid nelson ll photos calli b photography ll hair kooshka hair ll makeup kj artistry

Yvette Adams is a born entrepreneur and when it comes to finding her way around a computer, this multiaward-winning business woman is a self-taught cyber wizard. Creator of several successful businesses and recipient of a string of impressive awards, all before the age of 35, this inspiring mother of two had creative juices running through her veins from a very early age. Ingrid Nelson sat down with Yvette to chat about her incredible success so far and discovered this is one woman who was always destined to make her mark.

kay, I’ll admit it – when it comes to navigating a computer you could say I am a little technically challenged! Okay, so maybe more than just a little. In fact, my fouryear-old daughter knows more about my iPhone apps than I do, her little fingers flying around the device with lightning speed and perfect precision. Not to mention my nine-year-old son who is already a computer wizard. But being technically savvy is not only the way of the future for the next generation, it’s a necessity. And no one knows this more than doyenne of the digital age and director of The Creative Collective Yvette Adams. This award-winning entrepreneur is passionate about getting business owners up to speed with the latest in technology and says it’s the only way forward in the digital age if businesses are to survive. But let’s go back to where it all began for this New Zealander whose first business, a newspaper, was sold to an American entrepreneur after just its first issue. It was to be the start of many business ventures, all of which have been resounding successes. “Looking back, I always had an entrepreneurial flair, I just didn’t know what it was back then. I mean it’s not like they offer it as a vocation at school!” says Yvette. “When I was 17, my dad, who was a PE teacher at my high school, prompted me to start a newspaper about school sport. I was big into water polo and wanted to raise some funds for the sport which had no funding and so I thought, ‘Why not!’. Before I knew it, I had Pepsi sponsoring the newspaper and supermarkets taking out whole pages of advertising. My teachers would let me sneak out of class to call advertisers back, they were so excited for me! I remember dropping the november 2012

first issue off to every school in Wellington in my red mini and all the kids grabbing copies of it. It went down so well.” Keen to gather enough funds to compete against Australia in water polo at the end of her last school year, Yvette cut a deal with the American businessman who wanted to buy the newspaper. “It wasn’t a financial transaction,” she laughs. “Looking back, I could certainly have angled for that but I was so naïve – it was my first meeting in a boardroom. He agreed to pay me a wage for a year and this freed me up to train hard and save enough to go on the sports trip which was what I was focussed on. It was a great learning experience.” Upon returning from Australia, Yvette left home at just 17, and with no formal education was forced to find work to support herself. Her first job was for a recording studio in central Wellington. “I was dealing with ad execs, movie composers and all the top musicians of the time. I was such an introvert back then and they were all such extroverts. That job soon brought me out of my shell,” she remembers. Her lucky break came later that year when she applied for a communications role at the New Zealand government’s sports agency, then called The Hillary Commission. While assisting with the public affairs for Sir Edmund Hillary and running the National Sports Journalism Awards, for the next three years she snapped up every professional development and mentoring opportunity going. “If it wasn’t for that job and some of the people there that took me under their wing, I don’t know where I’d be right now to be honest,” she says. “I was going through some hard times and they took a real risk hiring someone with no qualifications and no real experience, but to repay them I stuck to my word. I said I’d stay at least three years with them and I did.”

Everyone I meet has ideas on things they are going to do or businesses they are going to start one day. I guess the difference between me and them is I actually do them.”

Yvette is an tech-savvy entrepreneur who is paving the way for women in what is often considered a male-dominated industry

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cover story

I never had any formal training, in fact I struggled in the last year of school I really didn’t know what I wanted to do.”

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By age 21, when her friends were graduating uni with massive student loans, no work experience and little job prospects, Yvette was headed on a one-way ticket overseas with no student loan, cash in the bank and three years’ experience. Over the next seven years she travelled extensively to more than 40 countries, including three round the world trips of a year a piece, punctuated with stints working in London, mainly in media and marketing-related roles. It was while travelling the globe that Yvette began her second business and first e-commerce site in 2002 – an online t-shirt business. Within one month of launching, she received a government grant and won a website award. She sold the global online business in 2006 on her return to Australia – but the best was yet to come. “I had just had my second child [Yvette and her long-term partner had their first child, a son, in the UK] and people started contacting me to do bits and pieces – a logo for their business, create a website, write a marketing plan. I could do all of those things, but I wasn’t an expert, but I discovered my clients liked the fact that they could come to one place for graphic design, PR, marketing, website design and so on.” Realising the opportunity, The Creative Collective was launched, now a creative services and training agency offering website design and development, graphic design and print, PR and marketing, social media, SEO (search engine optimisation) PPC (pay per click), and a range of training. “In the early years I hired other mums who wanted to work their own hours and found a plethora of talent. Within a few months I had five contractors, within a year I had 10 and now there are 35 contractors, two franchisees and five staff.” After just six months in business, Yvette won the Young Entrepreneur category at the Small Business Champions Awards and has gone on to win numerous business awards including the Telstra Business Women’s Award, Commonwealth Business Owner of the Year Award in 2010 and two awards at the prestigious 2012 Women in Technology Awards. She also became the regional coordinator for the Stevie Awards for Australia and New Zealand after being a finalist in the International Women in Business Awards in New York in 2008, and is regularly called on to speak at events, locally, nationally and internationally. Intrigued by her achievements at such an early age, I ask Yvette what she thinks has been the secret to her amazing success story. “Everyone I meet has ideas on things they are going to do, or businesses they are going to start one day. I guess the difference between me and them is I actually do them,” says Yvette. “I just learnt as I went. I never had any formal training, in fact I struggled in the last year of school and I really didn’t know what I wanted to do, but I’m glad I didn’t go straight to uni. I tried different things and discovered what I liked and what I didn’t like. “With The Creative Collective, I didn’t set out to make it successful. I just set out to earn myself an income and do something with flexibility so I could be a good mum.” As the mother of two young children, Yvette has managed to combine her busy work schedule with the rigorous demands of family life. But she is quick

to admit, like all working mums, it’s not without its challenges. “I do the juggle just like every other parent out there. It’s a tough gig. You constantly re-evaluate and reassess what you are doing. But it’s important to know why you’re doing it. I had to get back to work when my kids were young, both out of desire and necessity. I don’t think I was made for sitting at home and going to play groups, but like a lot of other families, I don’t think we could have survived on the one income either. “I integrate business and pleasure a lot too. We run bi-monthly events called Web Wednesdays locally and my kids always come along. They love getting dressed up for the big event, the free pizza [Pizza Capers Maroochydore is a sponsor] and I let them do the prizes draws too, which they love. I make it fun for them. The last topic was on apps and they both took notes and what they wrote down was incredible! Recently I was in Sydney at the AusMumpreneur awards, so we combined it with a four-day sightseeing tour. That for me is the key – a work / life balance so everyone is happy.” Immensely proud of all the awards she has garnered over the years, there is one that holds a special place in Yvette’s heart. “I am so proud of all my awards for different reasons, but the Women in Technology Award I received recently was very special. It has such an amazing story behind it. The Wickenden Entrepreneurial Award was instituted to honour the memory of Sue Wickenden, an entrepreneur and member of the WIT committee who died in a tragic bobsledding accident on Mt Cootha last year, leaving behind her husband and son who were both there on the evening of the awards. When they read my name out I found it hard to find the right words, I was so honoured.” In addition to winning the award, Yvette received a cash prize and 12 months of mentoring from 10 top executives, including representatives from Google, GBST and the CIO of the Queensland Government. “My first meeting with them is in two weeks. I am trying to get prepared to do a ‘wow’ presentation and not waste their time and get the best out of them. I am very excited.” The Telstra Business Women’s Award (2010) was another huge achievement for Yvette. “I was selected from 4200 applicants. When I was announced Commonwealth Business Owner of the Year I couldn’t believe it. Since winning the award I have been treated like a princess. I won a cash prize, I have been invited to numerous Telstra and Commonwealth Bank events, and I have had fantastic professional development opportunities, networking with some of the top business women of Australia.” As I learn more about Yvette and what makes this incredibly successful woman tick, it becomes obvious that behind her success is a true desire to share her knowledge and to impress on businesses the importance of getting up to speed in the digital age. “I am such an advocate for showing businesses just how becoming computer savvy can help. The Queensland Government flew me around to multiple locations earlier this year and I gave keynote speeches in lots of interesting places such as Kingaroy. I was presenting to a bunch of farmers who sat in front of me with their arms folded and their eyebrows furrowed, profilemag.com.au

cover story

Use technology to save you time and make you efficient. The sky is the limit, you can do anything.”

Yvette wears stylists own tee and One Season pant, RRP $45.95, La Vida Mooloolaba, 5444 8833

who were probably thinking, ‘What does this young girl know about our business?’. But by the end of the presentation I was getting bear hugs from these burly guys. I could see in their eyes that they ‘got it’ and they were telling me they were really keen to go home and get into it. “I’m not a negative person but I have to give it to business owners between the eyes. I say, ‘I know you are busy and you don’t have time and you are not technical but if you don’t get into this stuff you may not have a business to be busy in’. Businesses are going out of business left right and centre and I think the digital age is having a much bigger impact than people are choosing to acknowledge. “There are a lot of business owners in their late 50’s about to retire and here I am asking them not just to get online but to change their entire business model. It’s a massive mindset shift. You have to work with them over time and build trust and explain why they need to do these things.” Focused on developing their education and training offerings, The Creative Collective was successful in winning a government tender this year for their Get Up to Speed program. “The national broadband network means people are going to get faster internet so what are they going to do with it? This program is a 12-week program working with 400 people across Queensland and it’s all online so they can juggle it around their businesses, family and other commitments. Some are beginners, some are advanced and just looking for gold nuggets of information to fill in the gaps of what they already know. “We are committed to taking another intake next year which will tip us over 500 people that we have trained on that program alone. We are also introducing a certificate II and III in digital technologies which will also be delivered entirely online next so I am busy mapping all that out at the moment. We’ll also have a new product to the market which will allow us to provide november 2012

online modularised training to large organisations.” So you would think her hectic lifestyle and resounding success with The Creative Collective would be enough for this serial entrepreneur right? Think again! Yvette is already working on her next business venture – a website that aggregates information on all business awards programs around the globe to help users apply. “I haven’t formally launched it yet. It’s called awardshub.com. It’s an online portal that searches for business awards you might be eligible to enter. I have had such success with awards myself. It’s amazing what awards you can enter, they are all over the internet, it’s just knowing where to find them. It was a good idea and it just wouldn’t leave me. I think if it niggles you that much you just have to do it. “I kept thinking, ‘Go away idea, I have too many things to do’, but I just can’t,” she laughs. With such a wealth of knowledge behind her, I ask Yvette what advice she would proffer for young business women who might be inspired to take her lead. “Don’t say you’re not ready to enter business awards or go for other business opportunities, because you never will be. Just got for it – you never know what might happen. I won the Queensland Young Entrepreneur of the Year and from that came a piece on a television show and so much other media coverage. My business grew so quickly after that. “What is the worst that can happen? I think you also have to be super clear on your goals and don’t be afraid to ask for help. We live in this amazing digital age. Use technology to save you time and make you efficient. The sky is the limit, you can do anything.” Wise words from someone who has taken her own advice and has proven just that. profilemagazine

business promotion

words tonia zemek ll photography alicia aberley

Af ter more th an a deca de work in g in inform atio technology, Ju n dy Senn wa nted time out from her corpor ate life in Sydney. A move to Noos brought a wave a of ch ange th at included findin ne w love and wo g rk online. Now she’s de ter mined to help others sa fely navigate th eir way through cybers pace, as To ni a Zemek found out.

judy senn

f surfing the internet was a sport, I’d be a national champion. I sit down to check my emails and before long I’m drawn into a vortex of online obsessions. Twitter, Facebook and YouTube all vie for my attention. Hours pass unnoticed as I surf every wave of the web. Apparently I’m not alone in my insatiable appetite for the internet. With more than 15 years of information technology (IT) experience, Judy Senn’s more than qualified to discuss how consumers use the net. Early in her career she worked in sales, just as online games were starting to take off. “I made a vow to not get involved in playing the games because I saw how many hours these people were spending online,” Judy laughs. “Our technical support guy was employed from 6:00pm till midnight because that’s when he got the calls.” Judy may have steered clear of the games but she quickly became hands-on in most other aspects of IT. She spent 10 years in Sydney working for a distribution company specialising in entertainment software. Judy took charge of everything, from accounts to marketing and publicity. “As much as I loved my job, I thought, ‘there’s got to be more to life than this’ so I packed up one day and off I went.” A move to Noosa saw her reunited with her parents and siblings. However, she wasn’t so keen to be reunited with IT work. Instead, she took up a variety of roles in hospitality and sales. They say you can’t outrun your shadow, and hearing Judy’s story I think maybe that’s true. It seems she was destined to return to the world of computers. In 2010, thanks to an online dating website, she met software programmer Peter Trollope. Over several years Peter had been developing an internet management system, and when he explained it to Judy, she was enamoured by the product. “I thought it was an amazing system, just brilliant! I knew I had the marketing and sales background to get it into the marketplace,” she says passionately. “I always say he’s the brain and I’m the mouth.” Before long Judy settled on a business name, Time Out Internet. The moniker hints at its purpose. If you’ve ever had to put your kids into time out for bad behavior you’ll appreciate just how the system works. Initially developed for home use, and launched late in 2011, Time Out Internet helps manage children’s internet usage. A router (which is a piece of hardware that resembles a modem) is attached to your computer and the inbuilt software does the rest.

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In addition to blocking inappropriate websites through a public system, Time Out Internet allows parents to set time and data limits for their children. Thanks to individual usernames and passwords, kids can easily track their own usage. Basically, Time Out teaches them to manage their time online. With limits on data, they’re also forced to be more conscious of the amount of material they download. Parents can log in at anytime from any connected device, be it mobile phone or iPad, and monitor how much time the kids are spending surfing the net. They also have the power to pull the plug! With Time Out Internet there’s literally nowhere to hide. With this in mind, the system is now being adopted by commercial users as well. Navigating public internet access can be a tricky business. Judy tells me new laws have recently been introduced that put the onus on proprietors to retain more in-depth records of exactly who’s been accessing their internet. “I’ve always been passionate about helping businesses. Now I’m able to help manage their internet while they get on with managing their workload,” she says. The system is designed to work in motels and cafes or any large commercial property that offers its customers free or paid internet access. With Time Out Internet, proprietors can easily track internet usage on multiple computers. It also offers an additional level of security to business networks. “A lot of people don’t understand how easily hackers can access private files on your public network,” she warns. Although it’s still early days, Judy’s excited about Time Out Internet making its way into businesses and homes around the Coast. She’s fortunate to have her enthusiasm matched by that of Ed Gainer, a senior economic development officer at the Sunshine Coast Regional Council. In addition to that all-important moral support, he’s lined up legal and marketing advisors to help Time Out Internet reach its full potential. “It means we can take the business to the next level. We’d never have been able to do it without that assistance. It’s just astounding how much help is out there. “We get up each day now and we’re motivated by the fact we’re not just doing this for Peter and I, we’re also doing it for our mentors and supporters here on the Coast. There’s a lot more at stake and it puts a lot more responsibility back on you to perform, but that’s a good thing.” With her drive and determination in great shape, it doesn’t look like Judy will be taking time out anytime soon.

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Sunshine Coast Council supports local business Online interactive guide for starting and operating a business

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Assisting local business to tender for government work

Accessing economic development grants

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Natalie McIvor

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When Natalie McIvor began her spiritual journey to Vanuatu eight years ago, little did she know it was to be the beginning of a new life and thriving business. Ingrid Nelson caught up with the inspirational mother of three and discovered how Natalie’s natural flair for networking led her on an enlightening journey to become a beacon for entrepreneurial business women on the Sunshine Coast.

rave is a word that perfectly sums up Natalie McIvor, creator and director of business women’s networking group Enlightened Goddesses. The plucky Sunshine Coast local gathered her young children, packed her bags and left the Coast to pave a new path for her family in Vanuatu eight years ago after her marriage sadly ended. As a mother of three myself, I can only imagine how much courage and guts such a decision would take. Even more impressive – Natalie didn’t even know where Vanuatu was! “It was a big turning point in my life. My marriage had ended, I had a teenager who was running away from home and I thought, ‘Why am I creating all this drama in my life?’. It was the beginning of me trying to see things from a different perspective. I thought, ‘How can I stay here in the same environment, with the same people, doing the same thing and have change?’.” Feeling a lack of support from family and friends when her marriage ended, Natalie says for the first time in her life she felt alone and with no sense of community or belonging. In fact, Natalie tells me the last time she had experienced community was while working with an Aboriginal community in her 20’s. “I remember they had a kindredness among them, whether they knew each other or not. I knew I was missing that in my life. “Part of spiritual teachings is to listen to your inner voice – ask the question and be open to it. I remember a voice in my head saying, ‘Go to Vanuatu and open a healing centre’. I thought, ‘I wonder where Vanuatu is!’,” she laughs. As fate would have it, Natalie found herself meeting people on the Sunshine Coast with connections in Vanuatu, and within a few months she had sold her home and car, left her office job and moved to the Third-World country with just her suitcase and a dream of a better life for her family. Despite the huge cultural gap, Natalie and her family quickly adapted to their new life – the basic lifestyle and sense of community among the local villagers had a profound influence on the family and one which continues to shape who they are today. “The lifestyle and friendships were amazing. For the first time in my life I felt like I belonged. Yes, there were moments when we had what the locals call ‘Vila’ moments, when you want to kick the wall in because something is so hard. For example, we had no power for five days over Christmas but then I would look around me at the villagers and think, ‘Well they manage so what do I have to worry about?’. We were the only white family within the village and the only ones with a home.” Passionate about helping others learn from her own experiences, Natalie soon realised her dream of opening a successful healing centre in Vanuatu. However, after two years of blood, sweat and tears growing the business and working too hard, she and her business partner were heading in different directions and Natalie was forced to leave the business and return home to Australia. “It was a big learning experience. I couldn’t stay in the country without land or a home or a business, so within 10 days I had lost everything and we decided to come home.” Feeling isolated and at a major crossroads, Natalie slowly began to rebuild her life on the Coast and went back to what she loves doing most – helping others. “I thought, ‘What am I going to do now?’. So I slowly began to do my own teaching, reiki and life coaching. november 2012

In my healing process I had learnt a lot and I wanted to share it with others.” It was while teaching reiki that Natalie connected with several women who became empowered through that healing process and went on to start their own businesses. However, as these women ventured into the business world and attended various networking events, Natalie discovered through their feedback that the Coast was missing a more nurturing environment for women in business. This discovery was the catalyst for Natalie to start her own networking group, and eight months later Enlightened Goddesses was born, assisting female entrepreneurs on the Sunshine Coast to grow and promote their businesses. “I thought, ‘Why can’t I start my own group, it can’t be that hard?’. I was so green and naive, I asked some of the leading business women on the Coast to come and speak at my first events and they did! That was how it all began,” she says. “I wanted to create a network where the bridges were joined. I wanted these high profile speakers to share their stories so women could really connect. Women are inspired by real stories not by qualifications. I wanted to find a place where women could start being nice to each other, to accept each other and not judge each other. “I remember reading my first copy of Profile Magazine. I took a photo of myself and put it on the cover and thought, ‘I have to be in this magazine!’. I thought, ‘These are the women who are inspiring and motivating’.” Impressively, Enlightened Goddesses now has 300 members and more than 800 women have attended their events. Natalie has also recently learned she is an award-winner in the prestigious Stevie Awards for women in business in New York. “I am still a little stunned. I still think, ‘How did that happen?’. I didn’t know if it [The network] was going to work. I didn’t even have a business card or a website! “I have seen the most amazing mentoring and forged amazing relationships. I have access to the most amazing business minds but also the most spiritual minds. Our members are dedicated, authentic women. I want to support them so they can get ahead. I want to be that rock for them.” Just as passionate about community and making the right connections to help each other in business on the Sunshine Coast is Ed Gainer, a senior economic development officer at the Sunshine Coast Regional Council. “Ed has been fantastic. He is interested in the same things as me – community and contribution. He has offered me some great advice on taking Enlightened Goddesses to the next level as well as referring me through his Business Connect Program. It’s a great program and I am urging all my members to connect with Ed. They sponsored our last Netconnect meeting so I was able to offer free and discounted tickets. I am constantly referring people to Ed. It’s a free resource for local businesses and it’s unbelievable. The advice is proper and it’s real and relevant.” So what’s next for this networking queen, I ask? “Someone recently asked me what I would be doing if I didn’t need the money and I said, ‘Exactly what I am doing!’. But I have realised that I have spent so much time promoting other people and haven’t really promoted myself so that is some of the ways Ed is helping me to take the next step.” And if Natalie’s past is anything to go by, this enlightened goddess is one woman who is not afraid of taking the next step towards her dreams. profilemagazine

Courtesy Matt Holt, head chef, Cafe Le Monde, Noosa Heads www.cafelemonde.com.au

thai salad dressing

ith warm summer days upon us, the desire to head to the kitchen and slave over a hot stove is usually left at the beach. This issue, head chef of Noosa’s iconic Café Le Monde Matt Holt, introduces us to his Thai beef salad recipe. This zesty salad can be made as an appetizer or served as a main meal or healthy lunch – and goes perfectly with a crisp, thirst-quenching beer such as Asahi. It’s easy to make, gluten-free and best of all, it’s quick to make so you don’t have to stay in the kitchen too long! ingredients •• Red onion

•• Carrot

•• Cooked rice noodle

•• Snowpeas

•• Fresh shallots

•• Beanshoots

•• Rib eye fillet, char-grilled to medium / rare and sliced thinly

•• Vine-ripened tomatoes

•• 1 stick of lemongrass •• 3 kaffir lime leaf •• 2 clove fresh garlic •• 20g fresh ginger •• 2 sprigs Vietnamese mint •• 2 sprigs coriander

•• 30g palm sugar •• Sea salt / pepper •• 20ml sesame oil •• 20ml lemon juice •• 10ml fish sauce •• 60ml rice wine vinegar •• 100ml olive oil

method

•• Mesculin lettuce leaves

•• Cucumber

•• 1 small red chilli

Blitz salad dressing ingredients together in a food processor until all ingredients are combined. Serve salad, drizzle dressing over and gently toss through. garnish Fresh chilli, roasted peanuts, Asian fried shallot or onion. Serve with a fresh lime cheek.

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Empire Organics

november 2012

FUNCTIONS, PARTIES & SPECIAL OCCASIONS.

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Christine Manfield

lucky duck chaffey wines steeped in history with Dr Plonk Australia may be a young country but it never ceases to amaze me that we abound in such rich historical connectivity. This is exemplified by the new wine label Chaffey Brothers Wines. This is the middle name of winemaker Daniel Chaffey Hartwig and the surname of the Chaffey Brothers who started Mildarra Wines of Mildura. These two Canadian brothers were brought to Australia to create a fruit bowl in the semi-arid regions of northern Victoria to supply Melbourne town. Due to a sequential run of bad luck including a failed rail line and drought, the project fell over.

Blessed & Lucky is a modern, deli-inspired range of salad dressings and mayonnaise offering simple gourmet delights that can be enjoyed every day, without the hefty price tag (priced from $3.99). The brand recently cemented itself as the one to watch in the culinary community, winning a variety of awards including two gold medals, a silver and three bronze in the prestigious 2012 Royal Hobart Fine Food Awards which recognise excellence in food production. The launch of Blessed & Lucky will bring much-needed inspiration, excitement and gourmet flavour to the salad dressing market, with consumer demand for affordable, quality new products in supermarkets at an all-time high.

One brother left and the other stayed to pioneer the wine-growing industry in the area. So the dry town of Mildarra became fully charged on the magic that is wine. Groovy names and modern interpretations of wine styles are the driving mantra of this virtual wine maker. While having no official dirt of his own, he carries on a Barossa tradition of contract buying from many well-respected producers. The Eden Valley sees the supply of a crisp zesty lime riesling called Not Your Grandma’s. Daniel wants to dispel the myth of sweet sappy rieslings that have haunted the Australian palate for 40 years. The Aussie icon of shiraz cabernet blend is known as his “super Barossa“ label. This is less jammy and syrup-driven with none of that over-stewed capsicum effect. Dark plums, cherries and hints of cabernet dust guide the bouquet and then deliver on the palate an elegant, integrated wine. The Barossa is Shiraz is the ball tearer that looks dark purple in the glass and exudes plums and hints of tarragon. It has a juicy palate, which delivers a wave of satisfaction. It is the perfect blend to wash down a rare aged-rib eye filet on the bone.

Curry Fish Salad

celebrity cooking Freestyle Escape Cooking School is a fabulous cooking school that offers both local and interstate chefs who are on hand to whip up a wonderful culinary experience. Martin Duncan’s gorgeous outdoor kitchen and cooking classes are a unique experience. The kitchen was especially designed for cooking classes and has a backdrop of the glorious Sunshine Coast Hinterland. This month, Christine Manfield, owner of Universal Restaurant, Sydney, brings the Secrets of India and spice to Freestyle! Christine, a regular on MasterChef, will be at Freestyle on Sunday November 18. Tickets are $295. Don’t miss out! For bookings phone 07 3262 3077 or www.freestyleescape.com.au.

glitz and glamour Locally-based super company STROM continues to go from strength to strength, hosting an ultra-glamorous, prestigious event in Melbourne on November 5 – the RACV City Club (5 star hotel / private club) Spring Racing Black’n’Gold theme cocktail event. The event will feature Australia’s finest chefs, with Mark Normoyle, executive chef at the RACV Hotel, making artistic food creations to match STROM cocktails. With guest fashion judges, candy bar, DJ and much more, it is sure to be an amazing event. Head to www.stromspirits.com for more info and STROM recipes. good food and wine show Brisbane

petite sweets Local lass Kimberly Smith always dreamed of running a cake shop. It wasn’t until her father died suddenly from a heart attack just a week after being diagnosed with cancer that Kimberly reassessed her life. “While being at home I realised this was the perfect time for me to really do what I have always dreamed of – starting my own cake business that one day will hopefully lead to my own tea room,” Kimberly said. “I think Dad had a part in helping me find the strength to follow my dreams.” Check out Kimberly’s sweet range of petite cakes on her Facebook page www.facebook.com/ Petitesweets.com.au or phone 0403 591 966. first bite mezze

Join the foodie fun in Brisbane from November 9 to 11 for the best in good food and great cooking, delectable chocolates and treats, and of course, fantastic produce from Queensland’s awardwinning cellar doors and farm gates! Succumb to your senses as you sample hundreds of delicious foods and fine wines. Plus enjoy celebrity chef demonstrations, book signings and more! Head to www.goodfoodshow.com.au for more information. profilemag.com.au

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super mum.

ANNA GILBERT

ingle-handedly raising a child and starting your own business might seem daunting to most, but Sunshine Coast entrepreneur Anna Gilbert makes it look easy. While juggling her passion to be an independent photographer and her determination to provide a fantastic coastal lifestyle for her four-year-old son, Dante, Anna has also found to time to fundraise for child disability support group Sunshine Butterflies. Having always had an interest in painting and drawing, Anna discovered her passion for photography 10 years ago and hasn’t looked back. “I had beautiful ideas in my head,” she reflects. “And photography was the perfect medium to release my creativity.” But Anna is quick to point out that it hasn’t all been smooth sailing. After working with other studios to learn the tricks of the trade, Anna built her own business from the ground up, dollar for dollar – not an easy task. Yet the successful photographer makes hard work look effortless as she speaks glowingly about her plans to create more workshop opportunities and expand her family portraiture to wedding photography in the near future. Anna faced some difficult times late last year

family first.

candice rosborough

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unshine Coast solicitor Candice Rosborough was destined for success right from the beginning. House captain, debating captain and volleyball captain at high school, she won a coveted Kraft scholarship to America for graduation year before going on to complete a law degree at The University of Queensland. But perhaps her greatest achievement is her son, Kwan, who has played a central role in her life these past years. Adopted from South Korea when he was nine months old, Candice says Kwan keeps her grounded. “He’s absolutely gorgeous,” she says. “He’s a very spiritual, very centered boy.” Although Candice has moved around quite a lot, living in Brisbane, Sydney and America, she moved to the Sunshine Coast with her son three years ago after her marriage ended and has practiced family law at Garland Waddington Solicitors at Maroochydore since 2004. While Candice enjoys spending time with her family and undertaking volunteer work, there is no doubt about her commitment to her career. “When I worked with other firms, I would often get the family files because no one else wanted them. I felt I got more reward out of them than anything else,” says Candice. “When I got into family law, I loved

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when her son, Dante, was diagnosed with a mild form of cerebral palsy. Although Dante has to wear AFOs (ankle-foot orthosis) and undergo regular physiotherapy, Anna says his treatment is simple and describes Dante as “a normal, healthy kid”. Since her son’s diagnosis, Anna has thrown another activity into the mix and has become involved in fundraising for Sunshine Butterflies. Founded in 2005, the charity organisation aims to improve the lives of children with a disability through the provision of assistance, information and support to their families. “My heart broke seeing what a lot of children and parents were facing waiting in the hospital at the Cerebral Palsy Health Unit. I have this opportunity and I just wanted to raise awareness and funds for a fantastic group like Sunshine Butterflies who are helping families through difficult times.” This is just one of many ways Anna focuses on the important things in life, despite the numerous obstacles she’s had to overcome. But this inspirational woman handles the challenges with infectious optimism, adding, “I have a very supportive partner now and my family is amazing; their love is unconditional”.

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it – insurance was a bit more dry!” Candice enjoys being able to provide clear advice to her clients, who are often going through the trauma of separation. She recently ran a workshop called ‘Matters to Consider When You Are Separating’ for two days at the Kawana Women’s Lifestyle Expo. “I encourage my clients to build a team around them. The change I see in them is amazing. I love getting them a fair, commercially-sound result.” Her dedication to her craft is impressive, evidenced by the 24-hour turnaround policy Candice runs in her office. With the help of an assistant, she gets through the copious workload assigned to her each day by creating “to-do” lists and checking in at lunchtime to make sure she is on-track. Despite the many claims on her time, she is also aiming to complete a specialist accreditation course shortly. Candice says this kind of time management is key to the life of practicing law. “It’s really important for young practitioners to work on their time management and client relationship skills daily. Young women interested in a law career should decide by practical experience which part they’re best suited to by practicing general litigation first.” It’s clear that Candice is one practitioner who has certainly found her true calling. profilemag.com.au

MAGAZINE FEATURE

supercharge your investing power Setting up your finance platform: Control your money, reduce your debt, create wealth through property PLUS Take control of your super

Think Money is giving one lucky reader the chance to win a Debt Reduction Kit, consisting of DVDs, one-on-one sessions with a Think Money debt reduction specialist, access to online modules and more. To ENTER to win this amazing prize, please email your name, address and phone number, along with a little info on yourself, to chris@thinkmoney.com.au.

Call 07 5430 4777

chris@thinkmoney.com.au

WEALTHY ‘N’ WISE

WELCOME to this Wealthy ‘n’ Wise magazine feature, where property investment expert

Chris Childs gives you insight into her world of creating wealth through property investment. In this issue, Chris explains the steps to get your finance platform right, and Jack Childs from Think Investment Realty explains how doing the right research is one of the keys to successful investing. You will also hear from Michael Ord about building to your portfolio using self managed super! We hope you enjoy this magazine feature, and if you need any further information head to the Think Money website at www.thinkmoney.com.au or email chris@thinkmoney.com.au.

WHAT A CLIENT HAS TO SAY...

CHRIS CHILDS

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.

‘Most mortgages can be paid out in five to seven years, just by doing your banking differently.’ 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 some of 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.” Passionate about helping others achieve the same financial freedom she and her family have 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.

Clint and Daphne Keen came to Think Money in 2009 to get assistance with debt reduction and to plan for their retirement. Knowledge, mentoring and motivation have been the keys to their ongoing success. Looking at investing in the property market? Now would have to be one of the best times to start, with low interest rates and many promising investment opportunities to take advantage of. But where do we start? This is one of the biggest questions any prospective investor will ask, and we did. Contacting Think Money was the most important thing we could have done. The advice and knowledge we have gained and the strategies we have learned from them are immeasurable. This month we signed a contract for the purchase of our 4th investment property. What an awesome achievement, considering we bought our first property in 2009. Actually we bought 2 in that year, another last year. We could not have done it without the guidance of Chris Childs, founder and the entire team at Think Money. Chris’ knowledge and experience in every aspect of creating wealth through property is phenomenal. When you meet Chris, who is also our wealth coach, you will instantly get the feeling that nothing is ever too much trouble or out of the question. She is very approachable, caring and willingly shares her knowledge from personal experience. Chris’ husband Jack, (CEO of QIBC) provides investors with a range of quality properties in well researched locations, a business which compliments the Think Money strategies. Think Money also works with and recommends professionals with regard to finance, tax, insurance, letting and legal matters who work for you to get the best possible outcome. At this stage we are receiving maximum rentals in growth areas, which also come with valuable tax breaks, achieved simply by following the advice and strategies provided by the Think Money team. More importantly, our property investments offer long term capital growth with ongoing rental income so we can look forward to increasing our property portfolio with confidence and living comfortably in retirement. Thanks Think Money. As a prospective new client you will most certainly be experiencing the fear factor, but we assure you your team at Think Money will soon make you feel comfortable as they hold your hand through each stage of your wealth creation journey, wherever you wish to enter. The results we have personally achieved in a short time speak for themselves. It just works. Clinton and Daphne Keen Midas Touch Clients

WEALTHY ‘N’ WISE

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

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

Let’s look at the steps to creating a successful finance platform in more detail.

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

ARTICLE CONTINUED OVER PAGE

WEALTHY ‘N’ WISE

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

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

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

STEP 6 Diversification, Risk and SMSF Diversification: For the exact reasons regarding timing the market, another vital part of the puzzle is diversification. If, for example, you buy all of your properties in your own back yard, you will eventually go into a flat market. One of the biggest secrets of building a portfolio is to diversify not only the areas you buy in, but also the type of investments. Demographics, yield variations and supply and demand should form part of the complex decision making when choosing where and what to invest in. Risk Management: Another important part of the plan is to cover your ‘bottom line’. Having the right insurances is vital to success. Not only do you need to make sure the physical things in your life are insured, you also need to ensure you have adequate life, trauma and income protection in place. This protects you, your family and your future retirement security should anything untoward happen. SMSF: Self-managed super funds are becoming quite popular as part of the bigger picture in property investing. Taking control of your super can be an exciting way of breaking into the investment property market when you have limited equity or resources in your personal life. There are obviously many things to consider before going down this path, however, a review of your current situation with a financial planner would certainly be a place to start. Make time to look at where you are heading financially. Chris Childs and her team at Think Money have helped hundreds of people just like you to take control of their money, reduce their debts and create wealth through property. Call and make a time to talk to Chris today on 0419 744 193 / 5430 4777.

WEALTHY ‘N’ WISE

The Key To Successful Investing JACK CHILDS | 0418 794 512 | jack@qibc.com.au

MEET JACK CHILDS Having spent the past 30 years in the building industry, Jack Childs, director of QIBC and Think Investment Realty is more than qualified to offer sound advice when it comes to building spec homes or investment properties to add to your portfolio. Jack has monitored more than 200 successful house constructions and continues to brings his clients investment opportunities across Queensland. Working alongside wife Chris and daughter Juanita of Think Money, the family are passionate about what they do, making them a formidable team. Jack and his dedicated team take the guess work out of building an investment home. Monitoring the whole process from start to finish, ensuring a hassle free experience, they also pride themselves on the extensive research the company puts into each area. Jack says he has seen too many inexperienced investors getting caught out buying an investment home, only to find it doesn’t rent easily or takes months to sell – at a discount. “Doing your research on an area to buy an investment property is much more than just typing it into Google and unfortunately many people get it so wrong,” says Jack. “We research, research and then research some more, that is what sets us apart.” Beginning his career in the home improvement and building industry in Rockhampton working in management and sales, Jack gained a wealth of experience about the building industry over the years. Jack started as a salesman with Trueline Aluminium where he stayed for 26 years working his way through the ranks to become State General Manager. Having always had an affinity with the Sunshine Coast, Jack and his family moved to the region in 2007 and haven’t looked back. “I had been coming to the Sunshine Coast for holidays for about 25 years and we have always loved it so we decided to take the plunge and plan towards it, it’s such a beautiful place to call home.” Little did they know it was to be a life-changing move that would lead to

starting three successful businesses between them. Chris, previously a financial planner expanded her CQ mortgage broking business and opened a branch here. It was during this time, the couple began purchasing some investment properties and their lives took a different direction. “Chris’s clients could see what we were doing and they started to ask, how we did it. So that’s when Chris came up with the idea of Think Money and started to educate people how to create wealth through property. “What she found though was that they were going out buying property that they thought was good or what a smooth talking sales person told them was good and unfortunately often times it wasn’t.”

‘Jack and his dedicated team take the guess work out of building an investment home. Monitoring the whole process from start to finish, ensuring a hassle free experience, they also pride themselves on the extensive research the company puts into each area.’ Tired of commuting to Brisbane, Jack, who had always done the research for their own properties decided to open his own businesses QIBC and Think Investment Realty (TIR). It was the perfect combination to allow him to combine his years of experience in the building industry with his passion for investing in property and help his clients build and buy investment properties in the right areas. “Having worked in the home improvement industry for 26 years, rising to the position of General Manager, I left to open QIBC and TIR. This has also assisted Think Money clients by having well researched properties to choose from.”

WEALTHY ‘N’ WISE

“We make a great team because QIBC specialises in house and land and the construction side of things. While Think Investment Realty is a real estate agency, we specialise in research. We research first and find the property second. Then Chris will educate you in all the things you need to do to make it work for you. “Some people don’t want the education, they just want to buy a good investment property, so you can talk to me or one of the crew and we can show you all the research. We find the property to suit what the buyer wants.” “We print out in-depth research documents for our clients. We don’t just hand them out to everyone but those buying a property from me are supplied with a copy of all the research.” Jack says, importantly, there are always going to be different properties for different people and what they are wanting to achieve and that is where Think Investment Realty can help.

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“For example, a highly positively geared property will have a high rental income but capital growth is a bit slow in a volatile market so it is a little higher risk. You might buy something positively geared so you can then use the extra income to support a negatively geared property. Every property is a worthwhile property as long as you buy it at the right price and you know why you are buying it.”

‘Jack says it’s not only about where you want to buy, finding the right property in the right area is essential.’ “Places like Rockhampton and Toowoomba are good steady places to buy a property, they may not be positively geared when you buy them, but in five years they will be and you can guarantee it’s going to have good capital growth.” Jack says it’s not only about where you want to buy, finding the right property in the right area is essential. “Demographics is one of the most important things. It also has to be in the right area. For example, there are areas in Gladstone where I wouldn’t buy just like there are parts of Brisbane or the Sunshine Coast where I wouldn’t buy. It all comes down to research and I am proud to say we do get it right most of the time, which lowers the risk considerably.” Jack also points out that buying a new property rather than renovating an older one can be a wiser choice, due to tax benefits. “A lot of people only buy second-hand and after a while you work out that doesn’t always work. It creates a bit of cash flow but I also see a lot of people get it wrong with renovations, they spend too much. If you buy new you are going to get maximum rent and a minimum of 10 years worry-free as it’s all covered by building guarantees.” Speaking with Jack, I can see the passion in his eyes, this is one man who truly loves what he does.

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CALL JACK - 0418 794 512 Some of the ways Jack and his team CAN help: • Building Project Management • Negotiate with the builders on your behalf to get the very best price • Ensure you have a FIXED PRICE Contract – no hidden surprises • Check that the planned finish and fittings for your home are relevant to your needs (eg speckie or investor) • Assist with colour selection, and Prime Cost (PC) items are suitable for the property • Check your house and land contracts • Check council and Covenant requirements • Check compliance with the Green laws

“I guess you can buy properties from people who haven’t got properties themselves, the difference is we do, we have been there, we have the knowledge and the experience.

• Monitor and check each stage for completion to superior standard

“People often ask me why we don’t retire and I say, ‘Why would we?’, we enjoy it so much, we just love what we do.”

• Notify you when you should approve the progress draws for payment

And it shows. I feel I have learned so much in the half an hour I have had with Jack. His enthusiasm is infectious and certainly got me thinking about moving out of my comfort zone and start thinking about a smarter way towards financial independence.

• Check the house at each stage of development

Contact Jack today on 0418 794 512 or email jack@qibc.com.au

• Send photos and regular updates by email

• Ensure builder stays on track and is time wise with build to get a speedy finish. • Stay in touch with you regularly to guide you through the whole process.

WEALTHY ‘N’ WISE

TAKE CONTROL OF YOUR SUPER Think Protection and Planning Chris Childs is delighted to introduce Michael Ord. Michael is part of the Think Money team, bringing his own individual style and flair to the organisation. Being a financial planner with a difference, Michael not only specialises in getting the right cover and protection for our clients, he also guides our clients through the tricks and traps of setting up self-managed superannuation funds. Michael is one of the few planners who specialises in insurance for miners and more unusual occupations. Michael says, “As a trained specialist in risk, I have become acutely aware of the unique challenges facing the many who are keen to take control of their superannuation, invest in property whilst protecting their families from the dangers of the work they engage in. It is my purpose to get you to a better place and not ignore property in this equation, unlike many. We ensure you have had adequate strategies to protect you along the way.”

‘Michael is one of the few planners who specialises in insurance for miners and more unusual occupations.’

michael ord | 07 5430 4777

MEET MICHAEL ORD In the scheme of things, who do you trust to take care of your specific needs when it comes to your super … you or the government and fund managers? Hmmm … with the right help and guidance, taking control of your super can mean you can direct your funds where you want to invest. Fund managers just don’t have the option of investing in residential property, yet that is a proven wealth creator. Self-managed super funds offer flexibility and they can be structured to meet the specific investment needs of members. An SMSF provides maximum control over your superannuation assets and allows you the flexibility to decide how your funds are invested and how the fund is to operate. Be it investment property, share trading or other worthwhile investments, self-managed Superannuation Funds takes a lot of the disappointment out of the end result. Here are a few questions to consider: Control – Do you want the ability to control the choice of investments for your superannuation? Flexibility – Do you want the flexibility and freedom of choice of maintaining your own personal superannuation fund? Cost savings – Do you have sufficient money in superannuation to take advantage of the cost savings associated with running an SMSF? Family super fund – Are you attracted to having a family retirement fund for you and your spouse and potentially the next generation? Make a time to have a chat with Michael about your options with SMSF, or to analyse your current protection needs. Michael Ord can be contacted by calling Think Money on 5430 4777

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win a gorgeous children’s book Buderim local Katie Mackenzie can remember writing her first poem in high school for an oral assessment. Anxious about public speaking, she thought it would help her nerves to present a poem her audience might appreciate more than a speech. She received top marks and went on to write loads of poetry. Katie wondered whether she could apply her talent to a children’s title, and It’s a Zoo Thing was born in 2011 (www.berminghambooks.com). Ted is the storyteller as he takes his friends, Alice and the mischievous Joe, on an adventure to the zoo, meeting garage owner McJeeper and the tall zookeeper – but the real story begins behind the bright yellow door. Profile Magazine and Bermingham Books have 10 copies of Katie’s book to giveaway this month.

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win a statement pendant Renee Blackwell (www.reneeblackwelldesign.com) is a local jewellery designer whose art is inspired by her extensive travels, love of nature and pursuit to step outside the boundaries of the usual. From her workshop / studio, situated on 50 beautiful acres in the Hinterland bush, Renee works in peace, harmony and with great inspiration, creating jewellery to nourish and uplift. Her jewellery combines a love of gemstones, crystals, vintage and antique buttons and ‘found objects’. The result is exciting, contemporary designs and distinctive statement pieces with a timeless elegance. Thanks to Renee Blackwell and Profile Magazine, you can win a ‘Wisdom, Love, Faith’ heart pendant in gold tone, with tiny diamond-like crystals, and freshwater pearl set in sterling silver (includes choker) valued at $380.

win nutworks hampers win natural beauty Perth-based Uandi Natural’s (www.uandinatural.com) products harness the benefits hidden within native Australian botanical extracts to deliver a wonderful and unique natural skincare experience by combining these benefits with botanical extracts, natural ingredients, and highly effective anti-ageing actives. Each of the five products in the range combines four native Australian plant extracts, making them rich in antioxidants to help develop and maintain vibrant, healthy skin. As well as also being free from artificial colours and fragrances, parabens and sulphates and not tested on animals, each product contains a blend of natural essential oils. Profile Magazine has an amazing pack to give one lucky reader, including three of each Foaming Cleaner, Age Reversal Cream, Face Moisturiser and Walnut Husk Exfoliator, plus one Body Moisturiser. Total prize valued is $510. november 2012

Nestled in the heart of a natural macadamia-growing region is Nutworks, the Sunshine Coast Hinterland's very own macadamia nut processing factory. One hundred per cent Australian owned, visitors are welcomed to taste an Australian horticultural success story – the macadamia nut. Nutworks has a boutique range of macadamia products as well as a vast range of other nuts and dried fruit. Why not make Christmas entertaining easy with a hamper full of goodies, with something for everyone? Head to www.nutworks. com.au for more details. This issue, Profile Magazine has five gift hampers to give away, each valued at $100!

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fresh comfort Petula bed cushion in Aqua or Melon, RRP $44.95. www.kasaustralia.com.au

good karma Cinderella Firefly Crystal Light, RRP $795. Available from www.gooddharma.com.au

sweet dreams Geranium Rose Merci Reed Diffuser by Tonic, RRP $59.95. Available from Www.tonic.net.au

tall order Cresthill Tall boy, RRP $649.95. Available from Super A-Mart, Nicklin Way. Phone 5438 3200

floaty florals The Avenue Collection fabrics by Maurice Kain. Head to www.mauricekain.com. for local stockists phone 1300 656 626

The march Collective â&#x20AC;&#x2DC;I So Like Love Youâ&#x20AC;&#x2122; print, priced from $89. available from www.themarchcollective.com

slip into bed Intimo Opulence Fresco slip in purple, RRP $95.00. available from Intimo. www.intimo.com.au

We spend almost half our lives in our bedrooms, so why not make it a room of decadence and bliss with these dreamy soft furnishings and accessories for a bedroom that is truly blissful?

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cozy comfort

bed head

The Lovely Bird Crochet Blanket, RRP $300. Available from The Lovely Bird, Cotton Tree. www.thelovelybird.com.au

Noosa Bedhead. Personalise your bedhead and choose from a wide selection of fabrics. Prices start at $930 for a double. Available from Peoni Home. Phone 0422 673 076. www.peonihome.com.au

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Charli Rose Homewares is a boutique gift shop in Maroochydore, specialising in unique homewares featuring french provincial, seaside and rustic inspired pieces. Coffee & cake also available. Open 9-4 Monday-Saturday.

ph. 07 5443 8606 | follow us on facebook | Aqua Vista Resort, 64 Sixth Ave, Maroochydore

www.charlirosehomewares.com.au

november 2012

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beauty advice

summer hair care

vanity case

best in beauty

STYLE COUNSEL

MEET NATASHyA MANFIELD

vanity case

it’s super ASAP super serum, RRP $79. Available from Lavish Cosmetic Surgery Clinic, Minyama. Phone 5452 5222

skin plus Twenty-8 Ester plus face serum, RRP $87. Available from www.twenty8.com

smooth skin

ruby red

OUR FAVES

vernis à Lèvres ysl glossy stain, rrp $50. phone 1300 651 991 for stockists

Clinically proven to reduce the appearance of wrinkle depth by 19 per cent in just 15 days. Elemis ProCollagen Marine Cream, RRP $200. Available from Amytis Gardens, Kiels Mountain. Phone 5450 0115

with Johanna Jensen fashion and beauty editor keep it fresh end it Pureology essential repair split-end correcting treatment, RRP $42. Available from Platinum Scissors, Maroochydore. Phone 5479 1944

This month, we’ve tried and tested 10 of our favourite beauty buys, just for you!

kevin murphy fresh hair dry shampoo. available from kooshka hair salon, Mooloolaba. phone 5444 7715

creamy dream NIVEA creme, RRP $6.94. For Stockists phone 1800 103 023

healthy glow hair care Moroccan oil Treatment 100ml, RRP $52.50. Visit www.moroccanoil.com

The Body Shop Bronzer Brush on Beads, RRP $38.95. Available from The Body Shop, Maroochydore. Visit www.thebodyshop.com.au

squeaky clean Cleanse without drying or stripping your skin with dermalogica special cleansing gel, RRP $53. Available from Lime Health and Beauty, Cotton Tree. Phone 5443 8201

Our Da yS welcom pa es all guests

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PHONE 0400 624 066 OR VISIT WWW.DEVINEBRIDAL.COM LIKE DEVINE BRIDAL ON FACEBOOK

november 2012

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profile loves

fancy feet holster coastal jelly in opal, RRP $54.99. Visit www.holsterfashion.com

glam it up Baku moonstone bra, RRP $99.95 and pant, RRP $69.95. For stockists visit www.bakuaustralia.com.au

add some sparkle Sterling Silver Ring made with SWAROVSKI ZIRCONIA, RRP $228. available from wallace bishop maroochydore, kawana and noosa civic. visit www.wallacebishop.com.au

with Johanna Jensen fashion and beauty editor

Summer is just around the corner and weâ&#x20AC;&#x2122;re already planning what to wear on our lazy weekends. resort style

on watch

Morgan & Taylor resort hat, RRP $42. For stockists phone 03 9372 1799

target lime green watch, RRP $20. Available from Target stores nationally

retail therapy Nude tiffany shoes, RRP $129.95. Also available in black from Therapy Fashion Boutique, caloundra. phone 5499 7936

pastel print Talulah i love thee dress, RRP $199. Available from Therapy fashion boutique, caloundra. phone 5499 7936

comfy kaftan Kalokeri Samos kaftan, RRP $149. Available from www.sequinsandsand.com.au

after dark Barkins nightrider shorts, RRP $39.99. Available from www.barkins.com.au

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...it’s all about you

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FASHION & ACCESSORIES

november 2012

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style counsel

ll photography calli b photography Natashya Manfield is one of Australia’s most promising up-and-coming designers. Graduating with a double degree in fashion and business, Natashya’s first collection, Lovers Lane, was a sellout and she is currently working on producing exclusive Miss Manfield and Mr Manfield lines designed and sampled in-house at the two Mooloolaba boutiques she runs with her mother and business partner, Kim Manfield. One of just 12 contestants selected to compete in Season 4 of Project Runway Australia, Natashya chats with Profile about what’s hot this summer.

Natashya Manfield

profile: What do you love most about your job? natashya: I love working with my mum everyday! She is such a smart, strong and inspirational woman and I am so grateful that we have the opportunity to build a brand that reflects what we love and believe in. profile: What looks can we expect to see this season? natashya: Everything is in fashion at the moment. It’s all about the element of surprise, and wearing unique combinations with confidence and style. My favourite trends are statement accessories, colourful fabrics, and mixing prints. In summary, expect the unexpected! profile: How would you describe your own style? natashya: Feminine, eclectic and surprising. I have a ‘two’s company, three’s a crowd’ policy with styling so things are never over-coordinated. I might match my earrings and my shoes but never a third item. There has to be an element of surprise in every outfit. profile: What is your fashion inspiration? natashya: Inspiration can sneak up on you. I remember baking some vegetables once and I fell in love with the pattern on the inside of a beetroot I had sliced open. profile: What is coming up in-store? natashya: The long-awaited Miss Manfield line! After my first collection sold out, I took some time to really listen to our customers and what they wanted. The Miss Manfield range will focus on creating modern classics in bold fabrics, filling a gap in the womenswear market. We are very excited to get it in store this summer. And for the boys – some really cool labels from Australia and abroad with modern twists on the classics we have grown to love. I will be working on a Mr Manfield range shortly too. profile: What and where is your favourite boutique? natashya: Miss Manfield and Mr Manfield of Mooloolaba, of course!

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profile: What is your fashion fetish? natashya: Vintage dresses. If I can’t time-travel then I will hunt and gather. It is so easy for me to get swept away in the fantasy of what was. The fabrics and the silhouettes are so symbolic of what women have endured and overcome. profile: What do you always have in your handbag? natashya: My iPhone, YSL lipsticks, felt tip pens, sketchbook, needle and thread, glasses and sunglasses, wallet, keys, perfume, my diary and business cards. profile: What is your signature fragrance? natashya: Miss Dior, Cherie. profile: What is your best style tip? natashya: Just try it on. Too often are women restricted by this rule or that rule – rules are made to be broken. And dress up! You don’t need an excuse or an occasion. Just as life is meant for living, clothes are meant for wearing. When you look good, you feel good and you are so much more productive. profile: What was your craziest fashion moment? natashya: Recently I was on my way to showings and decided to walk from one end of the city to the other in platform wedges – only to have one self destruct just two blocks away from my desired destination. I had to phone the agency and plead, ‘Help! I need a coffee and some shoes!’ Thank goodness they came to my barefoot rescue. profile: What is your best memory from working in fashion? natashya: When I was 12 years old, my mum had a clothes store and I would spend my afternoons, weekends and school holidays there. I fell in love with the industry and learned from a young age about the hard work that fashion required.

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november 2012

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advice

summer hair care with Erin Watt Well, hasn’t summer snuck up on us? Soon enough we will be all frolicking down at Mooloolaba beach and soaking up the summer rays!

And if sporting a silicone swim cap isn’t your style, try rinsing hair with fresh water and coating strands with a leave-in conditioner before jumping in.

tones of red, gold and orange can start to sneak through. Color-depositing treatments help neutralise orangey shades, liven up drab colour and banish those carroty hues.

But what about our hair? Sun, salt water and the humidity can certainly suck the life out of our strands. But no need to worry, follow these handy hints to get you through the silly season on the Sunny Coast!

Brassy Blondes?

Ask your hairdresser to apply an ashy toner that’s one to two shades deeper than your current color. During beach season, make sure you are spritzing on a sun protection mist to help shield against UV rays and keep blow-drying to a minimum.

Green Swimmer’s Hair? Bleached hair is more porous, which causes it to soak up extra chlorine in the pool. This is easily fixed by using a gentle clarifying shampoo immediately after your dip, but for really stubborn stains you may need a trip to the salon so your stylist can chemically lift the discoloration with gentle bleach.

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A violet color-correcting shampoo with cool tones will help you out. The violet helps counteract any yellowness. Just make sure you distribute it evenly through wet hair and leave it on for five minutes maximum. Next time you are at the salon ask your colourist for a few fine face-framing blonde foils followed by an ammonia-free toner to diffuse any leftover brassiness. Orange? Sun and excessive heat styling can cause this. When brown hair fades, the underlying warm

Hopefully these tips get your hair through the summer’s heat and humidity. Until next time, try and keep cool and be fair to your hair! Strut Hair and Beauty 5443 5605 www.struthair.com.au

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advice

what are you waiting for? with Kylie Patchett There comes a time in every woman’s life when she sits back and says, “Yes indeedy do, I have arrived. I have everything sorted. My love life is yummy, my body is rocking, my career is white-hot and money is cascading into my lap without me even lifting a finger, the family’s just delicious and I am feeling on top of the world …” Right? Maybe. Maybe not. If you ask me, this life is not all about having it sorted. It’s your birthright to feel glowing, juicy and loved up – this life is should be all about flow and ease and grace. And yet when I am talking to the average lady I coach – usually a mum or a business owner or both (all super-switched on women) – the one thing I hear repeatedly in answer to the fairy godmother question is, ‘I have this growing sense of unease. I know I am not doing what I am meant to be doing. But I don’t know what that is’. First of all, let me tell you, I really get it! This was part of my story too. Stumbling into multiple

ill-fitting university degrees (I chose solely based on logic and earning capacity), I made path of least resistance decisions in my career. Until I found myself in the desperately unhappy position of a job that both paid me handsomely and bled me dry through lack of passion, lack of engagement and lack of fulfillment. This type of brain-not-heart based decision, mixed with the all so common, ‘I paused my career to have kids, then realised my profession did not fit my family or my newly rearranged priorities’ kind of dilemma has led a lot of us women in the 30 to 40-something age bracket wondering how to align our income with something that more closely resembles what our heart really craves. So how do you really find that sweet spot where passion and profit collide? Let’s start with these three questions: 1. What makes your heart sing? What do you enjoy doing so much that you lose track of time when you are doing it?

2. What do you always get asked about by your friends and family? What sort of stuff could you shoot the breeze about for hours and hours without getting bored? 3. What do constantly get thanked for or complimented on? Your natural ability could mean sewing is your forte or it could mean communicating is your strong point. Ponder this – look at your answers above and dream up your amazing best thing ever job. Dream really big, super-amazing. The next step is to understand that if you have the desire, by definition you already have everything you need to go out and get it. So what are you waiting for? Health Coach, Author + Founder of The Tall Poppy Project www.kyliepatchett.com

• • • • • •

november 2012

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life

teeth tips with Dr Simone Ricketts Here are some practical and useful hints and facts about teeth hygiene that you may have pondered at some stage in your life. How much toothpaste should I put on the toothbrush?

How often should I floss my teeth?

How often do I replace my toothbrush?

Daily or after each meal if you are having orthodontic treatment or invisalign to straighten teeth. Remember a wise person once said, “You only need to floss the teeth you want to keep!”

Every season.

A pea-sized amount is all you need, and for children under six, just a smear of toothpaste on the brush is plenty. The rationale behind this is if you put a huge caterpillar amount of toothpaste on your brush then your mouth will be frothy-full of toothpaste in about 20 seconds flat, and you will be tempted to swish and spit before you have actually finished brushing thoroughly.

How much floss should I use?

How many minutes should I brush my teeth for?

Electric or manual toothbrushes?

Two to three minutes, at least twice a day, depending on how many teeth you have. Parents should brush children’s teeth at least once a day until 10 years of age minimum.

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Approximately 30 centimetres. Soft, medium or hard toothbrush? Only soft always. Hard and medium brushes will strip away tooth enamel. Hard toothbrushes are useful for cleaning tile grout in the shower, not teeth.

What can I do about bad breath? First try flossing out any bits of food stuck between teeth, get your gingivitis (bleeding gums) treated, get any decayed teeth sorted, drink more water and even try brushing your tongue! Smile by Design 5443 2888 www.smilebydesign.net.au

Either is okay, but if you are consistently getting gingivitis (bleeding gums) try switching to an electric toothbrush. Remember to put the electric toothbrush in your mouth before turning it on or you will have toothpaste snow all over your bathroom!

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life

the change of life with Dr James Moir This month I’d like to address a topic that will affect every woman – menopause. In Australia, most women reach menopause between the ages of 45 and 55. The average age is 52 years. Around one per cent of women will have early menopause (before the age of 40).

as to whether they are due to falling hormone levels or not. Other possible causes include lack of sleep, increasing age or major changes in a woman’s role during this stage in life, such as children leaving home, grandchildren arriving or ageing parents needing care.

Menopause is a natural event that brings about the end of monthly periods and ovulation. It is often referred to as a ‘change of life’. Menopause is confirmed when there has not been a period for 12 months.

There are several reasons why a woman may become less interested in sex around the time of menopause. A woman’s feelings about her body and the physical changes she is going through (such as losing the ability to have children) can have an effect on her sexual desire. Feeling tired and cranky due to disturbed sleep can also affect libido.

As a woman gets closer to menopause her ovaries will produce less oestrogen and progesterone, causing the symptoms of menopause. While every woman experiences this reduction in hormone levels, how they are affected varies from individual to individual. As hormone production is decreased, changes in the menstrual cycle become noticeable, such as shorter or longer cycles, irregular cycles, or heavier or lighter bleeding. Mood swings are considered by many to be a sign of menopause, but there is some debate

Some women can also find intercourse uncomfortable due to vaginal dryness. Reduced oestrogen levels can cause the lining of the vagina to become drier, causing discomfort during intercourse and increasing the likelihood of vaginal irritation or infections. Some of the other physical changes a woman can undergo around menopause include aching joints, increased weight gain, dry and itchy skin, coarse hair and muscle aches.

So, what treatments are available to reduce the impact of menopause? You may have heard of Hormone Replacement Therapy, or HRT. This involves taking regular doses of oestrogen and progesterone to reverse the declining levels of oestrogen in the woman’s body. This can be done via tablets, patches or other delivery methods. For bladder or vaginal symptoms, HRT in the form of vaginal tablets, creams or pessaries can help. The right dose of HRT can help reduce the effects of menopause in many women, but how it is delivered needs to be tailored to each individual. Some women may prefer to have no treatment. Natural, herbal or lifestyle changes are useful for many. For some women, oestrogen treatment may be contra-indicated. You can be prepared for it by talking to people who understand the condition – your GP, your gynaecologist and other women who have been through it. Moir Medical 5444 0799 www.moirmedical.com.au

• • • • • • • • • • •

*Conditions apply. Non surgical consultations only.

november 2012

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life

take time for you with Kim Morrison We strive to be the best friend, sister, daughter, wife, mother, cook, home-manager and businesswoman, yet often we fill our cup to overflowing and forget about being our own best friend and nurturing our own needs. We created our Like Chocolate for Women and Twenty8 worlds to educate, inspire, support and remind women that self-care is not selfish – it’s essential. We want women like you to discover nature’s wonderful self-care tools, drop the guilt, learn to make yourself a priority and start to nurture yourself again – inside and out. Would you like to have a full body massage every day? Imagine using the highest quality body products that support the health and wellbeing of your body and skin. Imagine how you would feel adding specific essential oils to this to make it affect the way you think and feel throughout the day. It’s about time we take time out for us – and this is an easy way to work on your body, mind and skin – all you need to make a difference is a

minute or two each day. Time for a new routine (and a massage) – the Daily Body Boost. Massage increases circulation, promotes sleep, reduces stress levels, increases muscle tone, promotes elimination of toxins and waste, supports weight loss, increases skin pliability and enhances wellbeing. Treating yourself to a Daily Body Boost is another great insurance policy for your overall health. The important thing to remember is to ensure the products you massage your body with are natural and full of essential vitamins and minerals. Also, it is important to make sure this is a good body rub or polish, not some airy-fairy tickle! You want your body to wake up, feel alive and be ready to get into your day! The Daily Body Massage happens after your morning shower and or before you get dressed. It’s a great idea to do some sort of body polish using a natural bristle brush in the shower too. This will prepare the skin for even better absorption.

Once you pat yourself dry, choose your Twenty8 synergy blend or three pure essential oils to support you throughout the day. You may have a long, full-on day ahead so it would be important to choose oils that were going to be uplifting and enduring like Energy & Vitality or Detox & Strengthen or individual oils like rosemary, lemon, peppermint, myrrh, lime or basil. Normally we are so busy getting everyone else ready or thinking about what we have to do for the day ahead that we forget the most important thing of all – you. If we acknowledge the body, mind and skin first thing every morning it is a powerful way to set yourself up for a great day. Like Chocolate For Women 0420 377 557 www.likechocolateforwomen.com

Urgent referrals accepted Accurate image guided interventions 3D Advanced prostate exams Onsite specialist reporting

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7 Biggest Mistakes you could be making that could cause permanent Depression, Anxiety or ADHD Are you not as happy as you used to be? Is stress, anxiety, depression, insomnia, or ADHD overwhelming you? Are antidepressants not working for you? Do you find yourself irritated, not able to feel excited, or constantly thinking negatively? Do you have trouble sleeping, your mind won’t stop racing, or you wake too often through the night? Do you get anxiety at bedtime, where you can hear your heart beating while your head is on the pillow? We had an incredible response from all who were logged on for the webinar we ran about one of my favourite topics – Solving the puzzle that creates anxiety, depression and ADHD. When you put it all together, it all makes sense. There are seven key underlying triggers which can cause all of these symptoms, including anxiety, nervousness, depression, or lack of excitement and motivation for life. Stress feels overwhelming and little upsets cause feelings of anger. Palpitations, excessive heat in the body, tingling in the hands or feet, irritable bowel syndrome, foggy brain and lack of concentration including ADHD in children can also be present. Often these symptoms have been going on for

months, years or even decades. You may suffer just a few of the above symptoms or perhaps all of them. The seven key common triggers that affect your brain, cause a compounding effect that your brain cannot deal with, which leads to longterm,and then permanent brain wave pattern changes, affecting your personality, mood, and ability to think and cope, permanently! Fortunately, it can be quite easy to address. Patients who have suffered depression for four decades have reported to have improved out of sight after one month and other patients have shown improvement after just one week of treatment, including sufferers of Major Depressive Disorder, and children with ADHD, who have then been able to reduce their medication in less than seven weeks, and these results are permanent and medication-free! Proven with testing, these steps improve brain function immeasurably, without the help of medication, in adults and children. To find out more, call the centre and arrange a free half-hour consultation, or view the webinar on our website. A webinar is a seminar that you can see on the internet. You simply register through

the website and it will play for you on your computer. It’s easy and it’s free. Register now for 7 Steps to Freedom from Anxiety, Depression & ADHD at www.advancedwellness.com.au. “Awesome, awesome, awesome ... this webinar is a MUST for everyone who cares about their overall health ...” J.M. from Buderim “Oh my lord, what an informative webinar … Brilliant” L.D. from Chermside “I thought the webinar was fantastic ... I now have a fuller understanding of my health” L.C. from Buderim www.advancedwellness.com.au Jodi Chapman B.H.Sc. Naturopath Suzi Le Fanue BSc(BMed) ND Naturopath & Nutritionist

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

Pregnancy, labour, birth, and lactation planning Breastfeeding support Special post natal care after discharge from hospital Well mother and baby checks at home or at our Minyama clinic Gift certificates available Visit www.yourownmidwife.com.au for details

november 2012

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the good life

annie clark

unshine Coast lifestyle health consultant and author Annie Clark lives and breathes healthy living. She has self-published 17 books on health and lifestyle, including bestsellers In the Raw, The Poo in You, Lose Weight While You Sleep and Walk it Out – A Kokoda Experience and is a sought-after public speaker. Annie and her family certainly practice what she preaches, including daily walks to the letterbox … three kilometres from their front door! Profile chats to this funny, outspoken health-campaigner about how she keeps fit and healthy. profile: What is your personal philosophy when it comes to health and well-being? annie: It’s always a work in progress. Being well is an art-form, and requires my constant awareness. When I’m aware, I am less inclined to compromise my health by staying up too late or eating de-natured foods. profile: Do you consider yourself a fit and healthy person? annie: I certainly am now, but it’s a question of finding balance. I move my body every day, I drink heaps of purified water, I stretch all the time and do yoga. I make sure I am conscious of my breathing, I eat mostly raw food and have been doing so since 1993, when no one even considered the raw food diet. profile: How do you keep fit and healthy? annie: Our property is one big gym. There are always plants to be watered, logs to move, rocks to relocate and earth to dig. It’s 350 metres to the letterbox and main rubbish bin from our front door. I only have to walk that a few times a day and I’ve clocked up a considerable amount of exercise! profile: What’s your favourite ‘indulgence’ food? annie: I do enjoy pure chocolate, but I can live without it. I also love cheesecake! I make a nice one out of cashews. It’s dairy-free, egg-free and so delicious with raspberry sauce.

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profile: Western medicine or natural medicine? annie: If I need an amputation I don’t want to deal with a herbalist, but being a natural therapist myself, of course I’m going to have to go with natural medicine for prevention. It’s so much more empowering and so much more effective in the long-run. profile: What health tips do you swear by? annie: Water, breathing, drinking green food supplements like barley grass and investing in the best antioxidants. I also swear by being in a state of awareness when you are eating, and chewing food, really chewing, as this is where most people come undone. profile: Have you suffered from any major health issues in your life? annie: When I was a little girl, I was immunised for tuberculosis and promptly got it! I had to endure 15 annual visits to the chest clinic for the first 15 years of my life. I was the kind of kid who attracted physical disasters, yet I never broke a bone. profile: Greatest sporting achievement? annie: Giving birth naturally was one of my greatest sporting achievements! Before that, running a marathon, swimming the Pier to Pub 1.5 km swim, and last but not least, walking the Kokoda Track in 2008. That was a task I set myself because of the history of the track, and to honour the men and women who died on that track. With 96 kilometres of jungle walking – mostly uphill, and mostly during hot temperatures – water never tasted so good! profile: What motto do you live your life by? annie: “Be kind, for everyone you meet is fighting their own battle” – Plato.

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MED ELITE BUSINESS PROMOTION

homebirthing – a dangerous affair Recently the topic of homebirthing has raised a lot of debating at parliamentary level as well as in the media.

with this option. Also, if you contemplate a homebirth, you must ensure your midwife is accredited.

This is because, despite the fact that Australia has one of the safest and most accessible birthing systems in the world, there has been lobbying for change. Arguably on the basis of patient choice and a minority of dissatisfied patients, a “Collaborative Care Arrangement” was initially advocated, fuelled mainly by the New Zealand or Netherlands models of care, and much entertained by a group of selected midwives that pushes for an ‘anti-doctor’ ideology. After a lot of arduous debating, the collaborative model failed to be implemented, but the government allowed ‘independent midwifery’.

Some data and statistics:

Let’s have a closer look at what all this means and implications to our mums-to-be. While birth is a natural process, nature, as we all know and experienced, can be and is often cruel at times. It is only due to medical care that mortality rates to the mother and baby have decreased dramatically over the years. But despite this, some women choose not to give birth in a hospital, and rather to proceed with the delivery at their own home with a midwife. But there are risks associated

A recent report by the WA Dept. of Health in 2010 showed that the death rate was four times higher for those born at home than those delivered in the hospital. This was 33 times greater due to lack of oxygen. On review of the events, it was assessed that these babies could have been saved in a hospital setting by operative procedures that only doctors can perform.

distances needed for transfer to the hospital. Women who do want a home-like birth are encouraged to consider a birth centre with quick access to an obstetrician and neonatal specialist. Perhaps we have still something to learn from a poor country like Nepal, where the government is paying an allowance to every pregnant woman so that she can afford early commuting in labour to a hospital! (Data from NASOG – “Expert care for women”)

The same was found in a recent study from Netherlands, which concluded that low risk women have a higher risk of their baby dying compared to those cared for by obstetricians. Also, women who needed a transfer from midwifery to obstetric care during labour had more than a 3.5 fold risk of their baby dying compared to those who started their care with an obstetrician. Babies needing admission to newborn intensive care had a 2.5 fold risk increase. When it comes to birth centres, another review showed that in Australia the increased risk of perinatal death was between three to seven fold. And this is also the reflection of longer

Dr Dana Moisuc Specialist Obstetrics and Gynaecology Suite 1, 3 Lyrebird St, Buderim 07 5478 3533 www.danamoisuc.com.au

Secure the future for an at risk Aussie kid Donate just 11cents a day/$40 a year www.sunnykids.org.au

Ph: 07 5479 0394 | info@sunnykids.org.au PO Box 1936, Sunshine Plaza QLD 4558

november 2012

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enlightened goddesses business network feature The Enlightened Goddesses Business Network has earned a reputation as the network where you feel like you have found your tribe. Where women can come together to support and encourage each other and share in the highs and lows of business success. With networking events held in four locations and regular NetConnect business seminars, this network is all about educating, promoting, supporting, encouraging and connecting women in business.

casandra smith

joanne boughton

simone Milasas

glam nails

boughton legal

joy of business

Casandra Smith is a nail technician and beautician with more than 13 years’ experience in the beauty industry. She is also a current education ambassador for the international nail product company CND. Casandra facilitates education classes at local distributors and training school facilities, in salons and also provides private tuition. Her role with CND has given Casandra the opportunity to feature in articles for some of Australia’s leading fashion magazines as well as working annually on the CND stand at the Sydney International Beauty Expo. This year, Casandra had the privilege of being invited to work backstage at the Mercedes Benz Australia Fashion Week in Sydney. “Over the years, working as a nail technician I have seen the industry evolve from ‘putting on false nails’ to providing quality enhancements that provide clientele with an avenue for self-expression, fashion choice or self-confidence and through the advancement of products and services such as CND Shellac, providing the market with a wide range of treatment options. For me, Teaching is a passion and a way for me to pass on the knowledge I have acquired through the many courses I have attended, and hours spent perfecting my skills.” Casandra has recently opened her new salon, Glam Nails at 710 Nicklin Way, Currimundi. The salon offers Acrylic, UV Gel, Shellac, Pedicures, Waxing and Spray Tanning. phone 5437 8952 www.glamnails.com.au 62

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Violence in many forms is unfortunately an issue for many people in a relationship breakdown The new Domestic and Family Violence Protection Act 2012 commenced on September 17, 2012 and replaces the previous domestic violence legislation. Domestic and family violence now includes physical and sexual violence and includes behaviour that is: emotionally or psychologically abusive; economically abusive; threatening or coercive and dominating or controlling over another person causing the person to fear for his / her safety or well being. A threat to commit suicide or self harm is now domestic violence if the threat is made to torment / intimidate / frighten the person receiving the threat. Unauthorised surveillance of a person including reading of SMS messages and monitoring social networking or email accounts is clearly now defined as domestic violence (Section 8). Importantly, in the new legislation, children are considered to have been exposed to domestic or family violence if they see, hear or otherwise experience the effects of domestic violence and there are very clear examples given of ways in which a child is commonly exposed to such violence. (Section 10). Also, this year we have seen the Family Law (Family Violence and Other Measures) Amendment Act 2012 come into force. Under this new act, children’s safety is to be prioritized over the need for a child to know and have a relationship with both parents. The law makers are very clearly telling us on both state and federal levels that things must change. phone 5313 4999 www.boughtonlegal.com.au

Simone Milasas is a dynamic business leader with a difference. She is the worldwide coordinator of Access Consciousness and the founder of Good Vibes for You and the creative spark that ignited the Joy of Business. In one of her roles, Simone is “World-Wide Coordinator” of Access Consciousness. Working closely with founder Gary Douglas has allowed her access to a range of simple yet dynamic tools and techniques, which she applies to business. These tools, literally begin to generate greater possibility for business, with ease. Taken directly from her live seminars, Simone has recently released a book which is on sale NOW – JOY OF BUSINESS. She also conducts monthly telecalls on BUSINESS DONE DIFFERENTLY. “If you were creating your business from the JOY of it – what would you choose? What would you change? What would you choose if you knew you could not fail? Business is JOY, it’s creation, it’s generative. It can be the adventure of LIVING,” says Simone. Her target is to introduce a potent, yet up-till-now missing energy to business ... JOY! What else is possible? Do you lose sleep over your bills? Are you worried about the economic downturn? Is your financial situation destroying your relationships? What if the points of view you have about wealth, poverty, hard work and prosperity aren’t even yours? And what if you could change it all? phone 0412 888 645 www.accessjoyofbusiness.com

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enlightened goddesses business network feature

ANGELA FARLAM

Hypnotherapist, Life Coach, NLP Trainer Angela Farlam is a trained life coach and NLP trainer who specialises in hypnosis and sports therapy. Angela can help you change your thinking, in particular to let go of the stories you are telling yourself about your past that may be limiting you. Angela can help you change your beliefs about what is possible, whether it’s in regard to your health, your relationships or your finances. Perhaps your life is great but you want a little more motivation in some areas. Perhaps to become a better runner or golfer? Or to become more focused on your goals? Most clients book between three and six sessions and notice an improvement after just one session in their sense of well-being. Angela’s techniques can help you appreciate being in the present – to realise where you are right now and to accept yourself just as you are. When you do this, magic happens and you find yourself changing in all sorts of wondrous ways! Angela says, “People often hear me say that ‘It isn’t what happens to us in this life that causes all our anguish, fear and pain but rather our thinking and meaning that we attach to these events’. If you are ready to change now, mention reading this article to receive a 20 per cent discount on any treatment, workshop or training offered on my website.”* *Booked and paid for before the end of December 2012

PIA HUGHES

Natural Medicine Practitioner Pia Hughes is a holistic practitioner sharing 25 years of knowledge and wisdom as a wellness educator, multi modality clinical practitioner and advocate for integrated medicine. Her commitment to healing and health education extends beyond the clinic and into community-based programs such as YWCA’s ‘Encore for Breast Cancer’ and ‘Additive Alert’. With a strong passion to encourage others to reach their full wellness potential, consultations are informative, educational and empowering. Each session is a unique blend of herbal medicine, nutritional supplementation, dietary and lifestyle coaching along with iridology, homoeopathy, kinesiology, reiki and running ‘The Bars’ to harmonise energy flow between the mind, body and spirit within. Some of her services offered include: Natural Therapies such as herbal medicine, nutrition and iridology; Body Therapies such as stone and relaxation massage; Energy Therapies such as Reiki and Access ‘The Bars’; Facilitator / Presenter of tailored seminars and workshops for corporate and community groups. phone 0416 926 350 www.arahinahealing.com

rose nation

abbsolve services Clean, fresh and hygienic soft furnishings are important to you and your family’s health. Some people spray all sorts of chemicals and fragrances on their furnishings hoping to get rid of odours, but these sprays do little to remove the soiling and bacteria that cause most odours in the first instance. Bacteria, dust mite and mould thrive in our warm, humid environment and love to live in the soil, sweat, skin-flakes and pollution that collect in our rugs and on our beautiful fabric and leather lounges. These unwelcome, smelly organisms can even trigger asthma in sensitive people. Spraying fragrant deodorants often just masks the odours and can add to the chemical build up in the home. This is where Rose Nation and her husband, Colin, can help you. Together they run Abbsolve Services and have more than 30 years’ experience in the hygienic cleaning and maintenance of furnishings such as area rugs, and both leather and fabric lounge suites. So if you want to remove the nasties and restore the clean fresh look and smell to your home, call Abbsolve Services. Centrally based in Yandina, they service from Caloundra to Noosa and the Hinterland. phone 0417 756 100 www.abbsolve.com.au

phone 5477 1207 www.angelafarlam.com

november 2012

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enlightened goddesses business network feature

jules o’neill

fi hardy

Body Consciousness Intensive

body consciousness facilitator

Body Consciousness Intensive (BCI) training course is a playground in consciousness and awareness. It is for people who love the magic in life. The ones who continue to believe and have hope that being happy and abundant is possible, even when they cannot see how, or when it feels like life is against them.

Do you want to move forward with clarity and direction?

You will learn practical tools, concepts and techniques that will heal your body, as well as deleting negative stories and destructive patterns and programs that are in the way of being YOU and moving forward in YOUR life. This system will also educate and teach you how to use energy and awareness to create your life to be one you enjoy and love living. To create a happy and abundant life you require a knowing of who YOU are, and the environment where YOU authentically thrive. Everybody has this knowing inside of themselves. YOU know who YOU are. It is in YOU and you are part of an amazing system – when you use your body to tune in, magic and miracles can and do occur. Our next Body Consciousness Intensive begins on 1 December, 2012. There are three modules, each module is taught across four days. Want to know more? phone 0449 220 855 info@bodyconsciousness.com.au

(Available Phone or Skype)

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diane livingstone

face and foot reflexology

Would you love your life to flow easily with less stress / drama?

Diane has had 15 years experience as a reflexologist and 20 years of nursing. Like many, it was when she had her children that her passion for finding out the truth behind health and healing was ignited.

Would you love harmony in your home and within your family?

Reflexology with Diane is more than a therapy. Her treatments are an experience.

Body Consciousness is a complete system of energetic processes and awareness that gives you freedom and choice.

Combining foot and facial reflexology together seems to amplify and create more depth to the session.

Fi can assist you with the Body Consciousness System to clear physical, emotional, chemical, and energetic issues that may be causing stress and / or drama in your life, holding you back from realising your full potential. You will see and feel shifts within your body, helping you to make conscious choices and create your life to flow easily and move through the patterns, programs and stories that are no longer serving you.

The great advantage of treating the face is that you begin to look younger! Diane also facilitates The Big Picture of Health workshop, which aims to empower people to takes steps towards healthier, happier and more conscious lives.

Fi’s passion for facilitating in a safe, nurturing and friendly environment has helped her clients to get clear on a level that they have often not experienced before, as Fi bypasses the mind and reads the energy of what is really going on in the body, using the Body Consciousness System. This enables you to gain awareness, become clear and move forward! phone 5471 2201 www.circlewellness.com.au

This is a one-day workshop packed full of practical information. You will gain a better understanding of how the physical body, energetic body and soul interact with each other and so create your health. There is then the option of continuing half-day workshops to go into some topics in more depth. Reflexology for home use workshops available too. 0421 519 118. www.dianelivingstone.com

(Available Phone or Skype)

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enlightened goddesses business network feature

RACHEL GRAHAM

KYLIE PATCHETT

Shiralee Cooper

Living Pure

THE TALL POPPY PROJECT

SACRED SCENTS

Have you ever wondered why we hear so much about skin conditions like eczema, dermatitis and sirius, especially on our beautiful newborn babies? While in the hospital, babies are usually bathed in chemical-based products and then sent home with them. Rachel Graham believes we were taught to bath our babies daily when that is not really necessary. Arbonne’s passion is about educating people on the toxic ingredients that are found in most products you will probably find in your home right now. Three top scientists came up with this amazing gift that is Arbonne, 33 years ago, where they created Pure, Safe and Beneficial products – Swiss-formulated in the mountains with beautiful botanical ingredients like fruits, vegetables, herbs and essential oils grown above pollution level – and then carefully taken to USA for production. Arbonne is now in four countries and growing. The company has only been in Australia for five years and currently are the number one network marketing company. Arbonne is all about healing the skin from the inside out and getting through the five layers of skin so come and join Rachel in experiencing a dramatic cosmetic change and your skin feeling young again. For a free facial or more information visit rachellovesskin.myarbonne.com.au. phone 0408 802 014 www.rachellovesskin.myarbonne.com.au

november 2012

Right now, there is an epidemic of women gliding along the surface of life leading cookie -cutter existences, completely disconnected from their own deepest desires, women who underneath the outside facade feel deeply unhappy and completely unfulfilled.

Sacred Scents is a dream Shiralee Cooper has held in her heart of hearts for many years. Her very first essence in this range was born in 2002. Illume became the signature scent for Shiralee’s Montville gallery of handmade treasures celebrating the art of colour – Illume Creations.

Kylie Patchett was one of them, until the death of her father gave her the smack-in-the-forehead realisation she was living a life driven by duty, responsibility and doing the right thing. The former forensic scientist, now inspirational speaker and holistic health coach, is the founder of The Tall Poppy Project. The Project is an online holistic health oasis, specialising in helping the most hard-hit members of this ‘living like we should’ mentality: working Mums struggling to juggle the demands of family and work, with prioritising their own health, mind, body and soul.

Shiralee says, “As it happens, Illume Creations was created in the previous transit of Venus in 2004. Little did I realise that the second coming of Venus in 2012 would see a nascent idea, my GoddesScents finally begin to awaken. The first seven of my naturally divine GoddesScents oils emerged.

The Tall Poppy Project is not just another one-size-fits-all health prescription based solely around what to eat and how much to move. It’s the proven method of uncovering your own soul answers, and using them to fashion a truly delicious life. Kylie’s first book The Tall Poppy Project: Stand Tall + Stake a Claim on Your Delicious is out early 2013. Go to www.kyliepatchett.com to download your free copy of “A Gorgeous Gal’s Guide for Saying Goodbye to Guilt and Hello to Glow”. phone 0403 221 591 www.tallpoppyproject.com

Shiralee has been fortunate to have spent many blissful hours creating beautiful colour essences for her other love – Aura Light. Even as a child, she had an extraordinary penchant to breathe in all manner of scents. Combining the joy of imbibing heavenly aromas with the vibrant energy of colour was her dream lifestyle. Shiralee says, “I thank my parents Tony and Marion Cooper for their unending passion in sharing the secrets to colour’s cosmic code with me and many others on a colour quest. I have relished the challenge of sharing the vibrant world of aromatic colour essences for more than 10 years. Sacred Scents, the home of GoddesScents, was a natural evolution!” Phone 5445 7529 www.sacredscents.com

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travelfile

ll words alli grant

Clarity – it’s something we spend our lives searching for. Some of us find it in religion, some of us find it in nature, some of us find it deep within ourselves. Alli grant recently visited Clear Mountain Lodge, Spa and Vineyard in search of a bit of rest and relaxation and left with newfound clarity.

o you remember the Alanis Morissette song Ironic? “It’s like rain, on your wedding day. A free ride, when you’ve already paid. Good advice that you just didn’t take ... isn’t it ironic, don’t you think?” Yep, it’s all about life’s ironies, and my life is full of them! Starting with rain on both my wedding days ... So, when my husband and I recently escaped for an overnight time-out at the incredibly peaceful, incredibly beautiful, incredibly isolated Clear Mountain Lodge, Spa and Vineyard, I wasn’t at all surprised to arrive to find fog and cloud covering the entire mountain. Clear it was not. Only I could go away for a weekend at a placed called Clear Mountain on a rare day when you can’t see two metres in front of your face. The irony certainly wasn’t lost on my husband who, of course, quickly noted that this “not so clear mountain” experience could only happen to me. Damn you irony! Thankfully, the main goal of our 24-hour escape was to do as little as possible, so I didn’t really mind that we couldn’t enjoy the stunning view of the mountain upon arrival. We figured we’d get a sneak peek sooner or later. And we did. But for now, it was time to settle into our cosy room, explore every nook and cranny, snuggle up under fluffy doonas and read newspapers and magazines. Can you believe that? Yes, we actually read newspapers and magazines – a foreign concept to parents of a three-year-old. We also treated ourselves to a glass of champagne (the real stuff) in our room and enjoyed the simplicity of silence. Frankly, being enveloped by cloud cover gave me that extra sense of seclusion and tranquillity. Just what I needed. We talked, we played Rummy-O (a little strange, perhaps, but we enjoy the odd game), we listened to the birds and we drank in the serenity of Clear Mountain Lodge. Honestly, there’s nothing like mountain air, is there? Sitting on the crest of Clear Mountain in the heart of the Brisbane hinterland, Clear Mountain Lodge, Spa and Vineyard offers a boutique accommodation experience, combining panoramic views with 4-star comfort.

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While we were on a little ‘mummy and daddy time out’ escape, you can immediately see why this place attracts so many weddings and conferences. The grounds are perfectly preened, the view (that we were finally treated to on day two) is divine, and the resort itself is certainly set up for groups, big and small (I’m told there are eight function rooms, each with their own impressive views). Most importantly, the food is good. No, scrap that, the food is great! After a couple of hours of relaxing, we frocked up and headed off to partake in one of our favourite hobbies ... eating. Mandy’s on the Mountain is perfectly positioned to enjoy the sweeping views over Redcliffe and beyond, and right on cue, the cloud cover lifted just a little bit to reveal a horizon of twinkling lights. It’s certainly a romantic location. After kicking off with a pre-dinner cocktail in the lounge area, as you do, we were shown to our table and were treated to exceptional service by the attentive staff, who were quick to make recommendations (and to bring the cracked pepper without being asked, which is up there in my books when it comes to dining experiences). While our view was a little limited, we’re told that in the evening, diners can see the glow of the Sunshine Coast to the north and the lights of the Houghton Bridge to the east, while lunch time guests can enjoy the beautiful outlook of Brisbane, its hinterland and Moreton Bay. And in the middle – the waters of Lake Samsonvale. Boy, is that lake a doozy – a stunning vista. Inspired by the tranquil, natural surrounds and stunning outlook, Mandy’s chefs have created a menu around produce sourced from literally “as far as the eye can see”, with the mission to incorporate local and in-house grown produce from the chef’s gardens (which we checked out when we were there). I kicked off with slow-cooked pork belly with king prawn, sweet onion and granny smith apple, because quite frankly, they are two of my favourite things, while my husband gobbled down the duo of duck with shiitake mushrooms, asparagus ribbons, chives and (yum) truffle oil. For mains, Simon decided on the simple yet authentically-cooked green pea risotto, while I enjoyed the crispy-skinned chicken breast with green peas, mustard spaetzle, red grape vinaigrette and jus. It was all washed down with a couple of glasses of our favourite wines (sav blanc for me and shiraz for Simon) – Mandy’s should be commended for their impressive wine list. Shock horror – we decided against dessert (crazy for us), although we were tempted, and instead opted for a couple of pieces of homemade fudge we picked up at a market earlier in the day, washed down with a cheeky little profilemag.com.au

travelfile

snuggle by the fire at the resort

nightcap. Then it was off to sleep – in anticipation of what was to come the next day. Good morning Clear Mountain! Seems Mr Irony had packed his bag and left the lodge, so we awoke to a fairly clear view, and it breathtaking, just as we expected it would be. Suffice to say we enjoyed our buffet breakfast in Mandy’s just that little more with a serving of ‘Clear Mountain’ on the side. While it was too chilly to dine outside on the veranda on our visit, we nipped outside to take in the fresh (and brisk) air after our lashings of bacon and eggs, and decided on a stroll around the lodge grounds to check out the pool, wedding garden and vineyard, before a very important date with an old friend, Stephanie. Yes people, this little slice of mountain-top heaven is also home to a Stephanie’s Spa. Long-term readers of Profile know that I have been a Stephanie’s devotee for a long, long time. A regular at their Urban Spa at Bulimba (Brisbane), I have also been treated to their Ocean Spa in Noosa and their Spa Retreat at the Sofitel in Brisbane. I hadn’t yet experienced the Stephanie’s Mountain Spa – but I knew it would be good. Stephanie has created the most divine little world – the perfect place to escape for a bit of “me time”. And frankly, we don’t do it enough, do we?! So, my husband, also a fan of the Stephanie’s experience, and I indulged november 2012

mandy’s restaurant

clear mountain lodge courtyard

in a couple’s spa. Heaven. Don’t want to tell tales out of school or anything, but Simon did doze off for a minute or two there – I could tell by his heavy breathing, while I was happy to lie and just “be” for a few minutes. Admittedly, I do find it hard to switch off the old brain though. Sadly, the hour was up far too quickly – as it always is – and it was time to check out and head back down the mountain. It’s amazing what 24-hours away from the hustle, bustle and stress of your everyday life can do though. We may not have had the clearest views of Clear Mountain on our stay, but I certainly left with a lot more clarity.

Clear Mountain Resort & Spa, Clear Mountain, Brisbane Make the most of the Summer Seduction Package, including overnight accommodation, a bottle of sparkling wine, full buffet breakfast for two, a decadent tea for two, and a late 1:00pm check out – from $255 a night. www.clearmountainlodge.com.au Phone 07 3298 5100 profilemagazine

scbwn feature

The Sunshine Coast Business Women’s Network (SCBWN) is a dynamic force on the Coast. Boasting more than over 400 members and a plethora of knowledge, the network provides inspiration and connections for women in business. As an advocate of women in business, profile magazine is proud to highlight some of the talented SCBWN members in our quarterly feature. Enjoy meeting the members! For more information on the network and how you can join, head to www.scbwn.org.au.

carolans first national real estate

tamara wrigley Tamara Wrigley is a highly-skilled licensed real estate agent with a wealth of experience in the industry. Her dynamic business style and relationship skills have made her a well-respected and sought-after property professional. Tamara has created an exceptionally high level of service in property management and is committed to providing superior knowledge across all areas of residential management throughout the Sunshine Coast. Beginning her career as a trainee property manager at just 19 years of age, she progressed quickly through the ranks from managing small portfolios to large portfolios, managing property, training staff and owning and developing five offices. Her impressive list of recent achievements include Highest Number of Properties Under Management for Queensland 2011, Queensland Award for Administrator of the Year 2010 and National Award for Administrator of the Year 2010. Tamara currently owns and operates Carolans First National Real Estate in Nambour and employs a highly experienced team of professional property managers and sales agents. “When entrusting your property to Carolans First National you are assured it will be managed with the utmost professionalism and integrity,” says Tamara. Phone 5441 1344 www.carolans.net

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secrets shhh ...

JANE MEREDITH From modest beginnings in Noosa, Secrets has grown to be widely regarded as Australia’s leading fine and fashion jewellery retailer. Established in Hastings Street, Noosa, in April 2000, Secrets co-founder Jane Meredith said the business grew from a simple desire to make beautiful designer jewellery available to women from all walks of life. “Working for a high-end diamond jeweller in the ‘90s, I came to realise that fine diamond jewellery was only available to a limited few,” says Jane. “I wanted to give women from all walks of life the opportunity to purchase fine jewellery without a massive price tag.” Fortunately, developments in technology used to make diamond simulants enabled her dream to be fulfilled, and 12 years on, with 18 stores throughout Australia and New Zealand, the Secrets brand is widely recognised for its quality product and exceptional customer service.

forest glen ORGANIC meats

jacqui roberts Forest Glen Organic Meats is a specialist Sunshine Coast butchery with an excellent reputation for providing a large range of the highest quality organic meats. Established for more than 10 years and gaining a following from local and long distant customers, the fully certified shop was purchased by Jacqui Roberts and her husband, Charlie, nearly two years ago. Working with a team of six butchers, the local couple is proud to offer certified organic and free-range meat to the public. “Our meat comes from fully accredited farms. This guarantees that no chemical pesticides or insecticides have been used by the growers. It also guarantees that the animals are antibiotic free, and never given any hormones or growth stimulants,” says Jacqui. Jacqui has found that with the ever-expanding health issues confronting families today, more people are turning to organic products in an effort to prevent and treat disorders and illnesses.

Proud owner of Secrets Noosa Julie Godden says she still gets the same “buzz” from helping customers choose their ideal piece of jewellery as she did when the store first opened. The business ethos resonates well with customers who turn to Secrets for their bridal, anniversary and special occasions jewellery. Having introduced seasonal releases for the past two years, the concept of stunning, colourful statement pieces has been embraced by a widening audience of Secrets admirers!

Christmas orders open on November 1st, and as the delicious house smoked hams sell out every year, it is a good idea to get orders in early.

Phone 5448 0177 www.secrets-shhh.com/stores/noosa

Phone 5445 2912 www.forestglenorganicmeats.com.au

“Organic meat is not only better for your health but it tastes the way meat should. This is undoubtedly the result of the animals roaming freely on pasture and eating grass, and the processed meat also being free of preservatives, contaminants and residues,” adds Jacqui.

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scbwn feature life bridge

lyn baird Lyn Baird is the director of Life Bridge in Maroochydore. Life Bridge Counselling and Psychology service provides training in partnership with Community Training Australia (CTA) – an approved VET provider helping eligible students to access help with fees for approved courses. There is no upfront tuition fee to join the program (permitted you are eligible). The training currently on offer, for only one day per week for each course, is the Diploma of Counselling (CHC51712), the Diploma of Community Services (Case Management CHC52008), the Diploma in Youth Work (CHC51408) and the Vocational Graduate Diploma of Relationship Counselling (CHC80208). All the diploma and the graduate diploma courses are accredited and are taught by qualified lecturers who have a wealth of experience and knowledge in these specialist areas. The teaching environment is one that is supportive and encouraging with the goal to assist students with a positive life change, an opportunity to meet like-minded people and a chance to open doors to further education of vocation. Contact Life Bridge for further details including enrolment dates and packages. Phone 5451 0555 www.lifebridge.com.au

november 2012

PWA Financial Group

Leanne Zimmerman and Ulli Bendle They say that times of change or difficulty are the real test of a relationship – this is true not only in marriages but also in business. PWA Financial Group Pty Ltd have a long history on the Sunshine Coast and pride themselves in not only having long term relationships with their clients, but also maintaining a stable and cohesive team. In times of change, having a ‘constant’ that keeps you on an even keel can be a lifesaver. PWA Financial Group are local accountants, working with local businesses to guide them through all stages of their business cycle. Just starting out? They can help! Looking to sell or retire? Speak to them about your options. Growing or consolidating? Let them point you in the right direction. Looking for an accountant who understands what it means to be in business on the Sunshine Coast? Having been part of the Sunshine Coast business community for over 30 years means that PWA Financial Group have firsthand knowledge of the issues that local businesses face. So if you need a new partner to help you navigate through your business opportunities, speak with a PWA accountant today! Phone 5436 0300 www.pwafinancial.com.au

Pikki Street Corporate Centre

anna oliver Anna Oliver, owner of Pikki Street serviced offices says, “A serviced office is an office that can be rented on a casual or monthly basis and includes a receptionist, furniture, electricity and other extras. Once I describe our services, people understand and are quite surprised that this service has been available in the area for seven years. “Research shows us that a high majority of Australians, especially Sunshine Coast residents, work from home,” Anna explains. “Our virtual telephone answering service takes the home business to the next step. Our clients can divert their mobiles or home numbers to a dedicated line at Pikki Street Corporate Centre when they are in a meeting or simply doing paperwork. We can answer their phone in their company name. We can make appointments for them, do quotes, typing, collect their mail and they can even meet their clients in one of our meeting rooms. “This service offers clients a professional presence for their business for the cost of a couple of coffees per day.” Phone 5452 9800 www.pikkistreet.com

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scbwn feature

The Sunshine Coast Business Woman’s Network is so much more than I could have imagined. It’s not just a network group, it has helped me grow both personally and professionally. Not only that, they present opportunity for us to give back to the local business community which is also very satisfying.” Linda Ireland

Who you know ...

What you give back …

With a membership base of over 350 women, the right contact is just waiting to meet you. New customers, new suppliers and wise women willing to share experiences are all part of this very active network. From monthly events catering to over 150 members to weekly lunches for a more intimate 10 to 15 members, there is every opportunity to grow your network.

The Sunshine Coast Business Women’s Network is about more than our members and guests. It’s also about giving back to the community which supports us. Through raffles and bursaries the organisation is proud to contribute to the Sunshine Coast community.

What you know … To ensure your personal and professional development the Sunshine Coast Business Women’s Network holds various programs and events throughout the year. These include: Top quality speakers from across Australia The Sunshine Coast Business Women’s Network Business Woman of the Year Awards The Mentoring Program Leadership Development Program Breakfast, lunch and networking events Monthly workshops on various topics including work / life balance, how to run a successful media campaign and many more Articles, discussion and discounts exclusively for members

Join now!

www.scbwn.org.au

Your net worth relies on your network. NAB Private Wealth is Australia’s leading private bank. We partner with you and your family to provide highly personalised banking and wealth management solutions tailored to your individual needs. To find out how NAB Private Wealth can help you create, grow and protect your family’s wealth contact Jason Desmond, Private Client Manager on 0404 889 219 or visit nabprivatewealth.com.au © 2012 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (150137A1012)

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it’s a beauty

Now in its second year on the Sunshine Coast, The Beauty House is a state-of-the-art registered training facility guaranteed to teach you the skills you need to make your mark in the beauty industry.

Offering accredited courses, The Beauty House Academy brings with it a wealth of knowledge from its highly successful Brisbane campus, which opened its doors in 2009 and delivers exceptional beauty training where it is needed most. Both campuses provide the latest training packages to the highest professional standards, gaining a worthy reputation throughout the industry. The unique boutique-style academy is simple yet elegant. Boasting two vichy showers, separate client changing rooms, shower facilities and its own separate make-up room – the academy is designed to suit budding beauty students and treatment-loving public alike. The Beauty House Academy prides itself on its sophisticated teaching methods; with small class sizes (no more than 16 for beauty and eight for make-up), the fun, friendly and approachable staff and trainers can provide that quality one–on-one experience which set its students apart from the rest when applying for that dream job. By offering prestigious courses and therapies not currently available anywhere else within the Sunshine Coast, The Beauty House continues to raise expectations and standards. Qualifications available include; Certificate II in Retail Make up and Skin Care; Certificate III in Beauty Services, Certificate IV in Beauty Therapy and their most popular course the Diploma of Beauty Therapy. The Sunshine Coast location also offers a student salon once a week, with less than half price services every Friday – an absolute must for anyone who loves to keep themselves looking and feeling great while trying out some of the newest treatments on the market. The general public is encouraged to come along and meet the team while viewing the amazing facilities the academy has to offer. Owned and operated by three fully-qualified beauty therapists and trainers, joint owners Jane Walters, Doris Morgan and Narelle Crick have more than 80 years’ combined experience between them. “We have such passion for the beauty industry,” said principal Jane Walters. “The fact that we have all been in the industry for more than 80 years really sets us apart. We want to share our knowledge with our students and teach them holistically about the industry. It’s not just about giving a facial or body treatment; it’s the way you interact with clients, the way you dress, the way you talk, the way you conduct yourself. That is what we want to instil in our students”. “Our fully operational day spa is also a stand-out feature of the academy. The girls are able to actually use the equipment and work with them throughout their training in a “salon environment” rather than simply watching procedures.” The Beauty House Academy offers more than just the standard package. They don’t just run courses, they train for the industry and that is what sets them apart from any other training school.

The Beauty House Academy Sunshine Coast is enrolling students for all 2013 beauty courses now. Get in touch today for more information and special offers.

visit www.beautyacademysunshinecoast.com.au or phone 5309 6797

business

is your home your retirement strategy? with Sandra Wills Every year the Australian Government publishes comprehensive superannuation data in the Australian Prudential Regulation Authority’s Annual Superannuation Bulletin. As at 30 June 2011, there was approximately $1.3 trillion (ie. $1,300 billion) worth of assets sitting in our superannuation funds across the county. Regardless of the type of fund you have (industry, retail, public sector or self-managed), your superannuation money is invested across four main asset classes – cash, fixed interest, property and shares. If you don’t have choice or if you haven’t given your superannuation fund-specific investment instructions, your monies will be invested on your behalf into a default investment strategy (eg. a ‘balanced’ pool).

It is noteworthy that 53 per cent of the default pool of Australia’s national retirement savings is invested into shares; 24 per cent into cash and fixed interest; 13 per cent into ‘other’, and 10 per cent into property. What does this mean? It means that the bulk of this nation’s retirement savings are invested in shares by default. It means that, contrary to popular misconception, shares are a very legitimate asset class. It means that predominantly the sharemarket is used for long-term investing; not short-term speculation or gambling. Property is an extremely legitimate and important asset class, but don’t confuse home ownership with long-term investing. Home ownership is an important cornerstone of financial independence. However, the key to long-term financial security is passive income (eg. dividends from shares).

The more money you have wisely invested outside of your home, the more income you will have, and therefore, the more financial security and freedom – such as choosing when to stop work, travel options, health care options, philanthropy and aged care choices. Would you rather retire with a $1 million home plus $500,000 worth of super generating $25,000 per annum income; or a $500,000 home plus $1 million worth of super generating $50,000 per annum income? As a general rule, aim to have at least two to three times more money invested outside of the family home; rather than tied up in the family home. GWM Adviser Services, Maroochydore 5443 9433 www.wealthways.com.au

Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information. The information in this document reflects our understanding of existing legislation, proposed legislation, ruling etc as at the date of issue. In some cases the information has been provided to us by third parties. While it is believed the information is accurate and reliable, this is not guaranteed in any way.

Business Advice

Superannuation

Grow Wealth

Improve Cash Flow

Financial Planning

07 5413 9300 email

enquiry@pjtaccountants.com.au

address Floor 2, 20 Innovation Parkway, Lake Kawana, 4575 PO Box 325, Wurtulla, 4575 web www.pjtaccountants.com.au

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business

wrap up christmas with Debbie Riddiford Christmas is almost here again. Where has the year gone? Is your business ready for Christmas? Often business owners become so focused on sales at this time of year they ignore the other opportunities available. Here are a few tips to help you through the Christmas rush. Set Sales Targets Everything you do should be gearing up for the 10 days before Christmas – that’s when trade is at its peak. Implement a Marketing Strategy for the Christmas and New Year Period Identify what the key spending trends will be over Christmas then feature the corresponding products prominently on all your marketing collateral. Add Value Make it easy for customers to choose you over your competitors and make it easy for them to buy. Anything that can save customers time or money or creates a higher perceived value is a bonus.

november 2012

Capture Customer Details and Kick-Start a Lifetime Relationship A business card draw requires minimal effort and is a quick way of obtaining names and contact details. Closed-Door Sales Invite your customers to register for a closed-door Christmas sale, enticing them with giveaways on the night. Online Sales Online shopping is fast becoming the convenient option for customers and increases the number of customers your business can reach. Prepare Your Staff Ensure your staff are trained-up on products and are familiar with up-selling, cross-selling, and other techniques for increasing average dollar sales. Longer opening hours and greater foottraffic may also make it necessary for businesses to hire extra staff.

Know Your Pricing Too many small business owners are working far too hard and charging far too little for their product or service. Don’t be mislead by thinking, “If I’m able to beat my competitor’s price, I’ll attract more customers and make more money”. This is often not the case. Don’t Discount Discounting usually attracts the wrong customer; those who are always on the lookout for the next deal, regardless of whether they receive a good or bad experience. Business owners should focus efforts on creating and maintaining relationships and capitalising on the lifetime value of Christmas customers. Think ahead and not only plan for Christmas, but the follow-up campaigns now. PJT Accountants & Business Advisors 5413 9300 www.pjtaccountants.com.au

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milestones

ll photography calli b photography

Maria Woods

ewly-appointed principal of Sunshine Coast Grammar School Maria Woods has come a long way from beginning her schooling in Melbourne without knowing a word of English to becoming leader of the co-educational independent Christian school located in Forest Glen. With a revered teaching career spanning more than 20 years (while also recently completing a PhD in education), Maria says she knew teaching was her calling from the moment she began her career in 1989. Maria’s current role at the helm of Sunshine Coast Grammar School is a goal she has been working towards her whole career and she is loving it. When Maria is not working she loves nothing more than spending time with her husband and sons, Lachlan, 11, and Oliver, 5. Profile chats with Maria about the life’s milestones that have shaped who she is today.

Life changing milestone 3: Marrying my husband, Paul, and starting a beautiful family, 1998 – 2007

Life changing milestone 1: Family moved to Australia from Papua New Guinea, mid 1970’s

This was a great honour. I firmly believe to be a leader in a school setting one must demonstrate a commitment to lifelong learning. When I put my mind to something, I will work with determination to achieve it. I think my start at school in Australia has greatly influenced my approach to all challenges.

I began formal schooling in Melbourne. I didn’t speak a word of English and my mother had to come to school with me to translate for the teachers. I discovered a new culture, way of life and language. My start in school taught me the values of courage, resilience and determination to succeed. I have applied this attitude in all aspects of my life and important life skills to instil in my own children. Life changing milestone 2: Began teaching career, 1989

I embarked on a career in education that has spanned two decades. I discovered this was what I was always meant to do. Beginning my career as a first-year teacher in Cairns, I then moved back to Brisbane to continue further study and move into the independent schools setting in 1997.

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I was fortunate enough to find my soul-mate who has supported me unreservedly and encouraged me to pursue my career goals. There is no greater joy than the birth of your own children, and being a parent is incredibly rewarding and exhausting. It is challenging raising children in the 21st century, but you hope the values and education you give them sets them up to be wonderful, caring, responsible citizens of the world. Life changing milestone 4: Awarded a professional development scholarship to begin further studies and undertake a PhD in education, 2011

Life changing milestone 5: Appointed the first female principal of Sunshine Coast Grammar School, 2012

This is the career goal I have been working towards – to be principal of an independent Christian school where the values of the school and the broader community align with my own values and that of my family. I do think, to some extent, women still have to work a little harder than men to prove themselves worthy and capable of being in the top job. I am incredibly blessed to be living and working in a fabulous part of the world and am grateful for everything I have in my life.

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business promotion

with Alex Robertson Do you have a life insurance policy and has your adviser contacted you to review it? One of the most important parts of a life insurance, income protection or any personal insurance policy is that you consistently review it as you age. These types of insurances are a last resort, a safety net from repossession, bankruptcy, financial ruin or worse for you and your family. Or is it? When you had your policy put in place your adviser should have taken you through a detailed form that lists information, such as what you own and owe. Essentially, this acts as a snapshot of your life, in order to make an informed recommendation on what type of insurance best suits your needs. Insurers then pay your adviser an upfront fee every year to change your details; this seemingly ‘free’ service

actually isn’t. It is actually all calculated by actuaries and built into the premium that you pay. Remember that if you are under insured it doesn’t just mean that you / your family get a smaller payout. It may mean that they receive nothing. If you die all debt is moved from your bank manager to a separate department and the debt becomes the responsibility of the ones you leave behind, giving your family just a few weeks to either pay or prove that they can afford to make the payments. This could lead your family into property repossession or bankruptcy, all while they are grieving for their loss. All of this can be avoided, and in many circumstances you may find that your premiums go down, by ensuring your adviser is fulfilling your requirements and reviewing your policy annually.

A few questions you can ask yourself to check if you are under-insured since you had your insurance either set in place or reviewed include: •• Have you bought or sold anything of value – cars, property, etc? •• Have you had any more children? •• Have you set up a business and if so, has it grown? •• Have you quit smoking? •• Has your family structure changed? If you answered yes to any of these questions, then you definitely need a review.

Shore Finance 5477 7315 www.shore-finance.com.au

Be sure... with Shore Why choose us? We are personal insurance specialists. We promise to review your policy every 12 months at no cost to you. We are independent advisors and brokers (to get you the best price). We reduce our commission to give you a better premium. We donate a percentage of every policy to a local charity.

PROFILE READER OFFER Let us look after your personal insurance and we will review your Super for FREE! We are personal insurance specialists providing Life, Income Protection and Business Expenses Insurance. We help you protect what matters most!

Phone 5477 7315 Mobile 0400 065 376 www.shore-finance.com.au

Servicing all of the Sunshine Coast

business

does your home loan match your needs? with Linda Ireland All financial arrangements, ranging from a simple mobile phone contract to a more complex home loan, have elements in common – they should match your lifestyle and financial situation. However, many people may not realise that financial contracts have ins and outs, meaning you may be able to switch products part-way through your contract to find one that better suits your changing needs. If a borrower’s financial or lifestyle situation has altered since taking out their home loan, they may find that refinancing to a new lender or loan offers a wider range of benefits, such as a lower interest rate, fewer fees and more beneficial features. It may help them to repay their loan or achieve other goals sooner. It’s always important for borrowers to carefully consider the costs versus the benefits of refinancing their home loan. The benefits of switching to a home loan that is better suited to a borrower’s current lifestyle and financial

circumstances can be widespread, but careful consideration should be given to the decision.

•• Are you looking for a cheaper loan option?

Making the move may involve costs, such as exit fees for existing loans and / or application fees, lender’s mortgage insurance, stamp duty etc for new loans. But in some cases, the savings made from reviewing a loan and replacing it with one that better matches your needs now and in the near future can be significant. Saving money may not be the sole reason for switching loan products but it certainly can be an incentive.

•• Are you planning to have a family?

When considering refinancing to a new lender or loan, be sure to reflect on your short and long-term financial and lifestyle needs and weigh up the costs, risks and benefits involved. Before delving deeper into changing your loan situation, consider the following checklist: •• Have your financial / lifestyle circumstances changed since taking out the loan?

•• Are you looking to repay your loan sooner? •• Are you planning to renovate your property? •• Are you planning to downsize / upgrade your property? •• Are you dissatisfied with the service provided by your current lender? •• Are you considering purchasing an investment property / properties? •• Are you considering consolidating debts? If the answer to any of these questions is yes, refinancing your loan may be a worthwhile consideration. Mortgage Choice 5476 9333 linda.ireland@mortgagechoice.com.au

fast-track to success with Linda Harley If you are looking to upsize your business, sometimes it pays to look outside the square. In contrast to the traditional approach of expanding your business slowly over time through hard work, increased sales and marketing; expansion by business acquisition can be a fast-track to success. Synergy Through Acquisition The key to growth through acquisition is taking advantage of synergies: making 3+3 = 8. In simple terms, when companies are merged together, the whole is often greater than the sum of its parts. Synergies, including a broader client and product base, marketing, economies of scale, marketshare and a team of people with complementary skills, all help to achieve a larger, more profitable business. Traditionally, it is thought business acquisition is for larger companies. However, in the current economic times there are advantages for all business owners to consider their options for expansion beyond the traditional approach.

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Less Risk Growth through acquisition can be less risky. Traditional growth can lead to cash flow crisis as demand for product and services outstrips working capital and resources. In contrast, acquisition of an existing business can be achieved with lower risk as it provides instant cash flow, resources, a proven track record and economies of scale. For any business that requires specialist staff or resources, acquisition is the obvious choice. For example, businesses such as accountancy practices expanding through acquisition can achieve significant growth and retain quality staff and a stable client base, which would otherwise take many years to build by traditional means. Think Outside the Square Traditionally, we think of an acquisition as buying out our competitor operating in the same sector. However, there are opportunities to consider complementary businesses. For example, an

underperforming retail store with declining sales might be wise to search for a complementary business such as an internet distribution company. By joining the two businesses, the retail business can take advantage of an existing distribution channel and operating systems. If it is a really good fit, the internet product lines could also be added to the retail product lines for maximum benefit. A quick look at the broad spectrum of businesses currently for sale provides a treasure trove of opportunity with great return on investment available. If you’re thinking of an acquisition, make sure you want to acquire a company for all the right reasons, and that all of those reasons add value to what you’ve already got. Savvy Business Sales 0488 103 310 linda@savvybusiness.com.au

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Make Todd & Sami Yours. Weekdays 5am - 9am

www.hot91.com.au

november 2012

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the last word

samille muirhead

Bubbly media personality Samille (Sami) Muirhead is a familiar face and voice to most Sunshine Coasters. Co-host of HOT 91.1 daily breakfast radio show with on-air partner (and bestie) Todd Widdicombe for the past six years, the happily-married, down-to-earth almost mother-of-two and former journalist is in a very happy place these days. We caught up with Sami to learn more about the woman behind the voice we listen to each day on our way to work.

I grew up in … Buddina.

My hidden talent is … I can throw a pea or any vegetable in the air and catch it with my mouth.

I start my day by … moaning, punching the alarm, accidentally kicking my husband in bed, pushing the dogs out of the bed and driving to work in the dark at 4:00am to make coffee and face the day. By the time I am on air I am hyperactive and usually laughing with my on-air partner, Toddy. I would love to be better at … cooking, singing, driving, and being more patient. I am at my happiest when … I am with my family at Buddina, at the ocean or at home drinking tea from the world’s prettiest vintage rose teacup. My favourite restaurant is … a little antique shop and tea house at Maleny called Geordie Lane. The gorgeous owners cook their own ginger or berry scones and you sit by the fire surrounded by amazing antiques and a view to die for!

Sami Muirhead lives for her family – husband Sam, daughter Avalon (with baby number two due any day at the time of this interview) and loving dogs 78

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My favourite holiday spot is … Churchill in Canada where I spent six months studying polar bears. Most people don’t know that ... My full name is Samille not Samantha, and despite my job; I am actually quite shy around people I don’t know well.

When I was growing up I wanted to be … A lawyer! I dropped out of that course after two years. Then I just wanted to marry Pat Rafter. My all time favourite movie is … Breakfast at Tiffany’s. Sigh! I couldn’t live without … my husband, my dogs, my daughter and Turkish Delight. Okay and creme caramel. My greatest achievement is … finally feeling very content in life, thanks to my family, plus travelling solo around the world when I was 25 and staying in the media for nearly 20 years. In five years I hope to be … calm and content within myself yet have a house full of chaos with kids running around and dogs in every corner. Professionally, I hope to still work in media and also have my own successful blog that somehow makes money with me just posting pictures of pretty things! The one person I would most like to meet is … Michelle Obama. My hidden talent is … I can throw a pea or any vegetable in the air and catch it with my mouth. profilemag.com.au