August - October 2017
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The Team Editor-in-Chief Helen Dayman WAHP Business Australia w wahpbusiness.com.au e wahpbusiness@gmail.com (ISSN 2202-8102)
A quarterly digital magazine published Australia-wide and available online.
WAHP Business Australia Aug/Sept/Oct 2017
Editor’s Letter
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Business
Cover Photo Contest Small Business Owners Take Note Help is virtually around the corner Creative 3 Pitch Finalists What’s in a Business Name Print Giveaway Latest News in Business
Marketing Connect with us on Facebook - @wahpp Contributors Rosemary Butcher - Maidstone Consulting Helen Dayman – WAHP Business Australia Carlene Cardona-Elvy - South West Sydney Virtual Assistant Rebecca Turpie - Evelyn Design Boutique
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Editor’s Letter
Welcome to our August/September/October Quarterly issue of WAHP Business Australia magazine. This is a busy time of year as our businesses are finalising tax returns and getting planning for Christmas. The work behind the scenes leading up to each issue is phenomenal. Researching each article topic to ensure that all information is current and correct. Editing and proofreading all copy and then down to the intricacies of designing the layout. We are a little late getting this issue out, but as always we aim for a high quality each issue. Do you love our front cover? Congratulations to our winner Fun Cakes. Yoda won the day. There was strong support for many of our entrants. Keep an eye out for our next Cover page contest for the next issue. We love showcase you and your business on our front cover and in the magazine. We have an interesting balance of articles for you this issue. I know I keep saying it, but i think this issue may be our best EVER! On the financial side, we have got you covered with information about BAS, GST and PAYG on page 24. Check out the finalists in the Creative 3 Pitch. It’s great to see Aussie startups getting exposure on the global stage. Marketing your business can be time consuming. Read up on Branding Basics and Why small businesses should care about surveys. Check out the giveaway on page 12 - Digital Print by Everley Designs Boutique - Only 100 available. We are always looking for article contributors. If you are an expert in your field, drop us an email or phone call to discuss articles you wish to see published in our next issue. All contributors receive a discount of any advertising too. We also have a delectable selection of recipes to tantalise your taste buds. Read on and enjoy this issue. WAHP Business Australia magazine is now quarterly. The next issue will be November/ December/January and will be out on 1st November 2017. Interested in showcasing your business, advertising deadline for the next issue is 30th September. Promote your business from as little as $20 for an Individual Product; $50 - quarter page; $70 - half page; and $100 - full page. Be an *EarlyBird* Advertiser and get 20% off - just secure your spot by the 15th September. New advertising opportunites are ready for our next issue. Prime real estate is now available on the inside cover pages (front and back). Get in quick to secure these spots. This wraps it up for this issue and as always I am very excited to get your feedback.
Helen Dayman Editor
WAHP Business Australia
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Business
Congratulations
Stefanie Hinkley Fun Cakes Our winner and cover photo for this issue is Stefanie Hinkley and her business Fun Cakes. Yoda took the cake and raced away with the most votes. Credit for the photo goes to Stefanie’s 8 year old son.
In 2011, Stefanie welcomed her 2nd son who was premature and unwell. She needed to leave her job and this was the perfect time to start her own home business. This way she could also be home with her son.
Stefanie first efforts in cake decorating was with her son’s 1st Birthday cake. She enjoyed it and continued Keeping her business name simple, Fun Cakes was to make his birthday cakes for a few years. created. It was nice, simple and catchy. “I make Fun Cakes” said Stefanie. Family and friends loved her cakes that she would start creating cakes for everyone else and create a “I love being able to create something special for my business too. clients. I love that each week is different. I hardly ever do the same cake and it is always exciting!”
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Business
Cover Photo Contest
Jo Moore – Everything Tie Dye
Simone Riviere – Blacktown Area Pet Sitting
Monique Jeremiah Exceptional Tuition and Resumes Fernanda Alberici – Fab Marketing
Holly Martin – Just Holly “Marketing GP” WAHP Business Australia
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Business Carlene Cardona-Elvy South West Sydney Virtual Assistant www.swsvirtualassistant.com
Small Business Owners
Take Note!
Help is Virtually around the corner Running a small business is not easy work. There is so much to think about daily. Most business owners don’t realise the things they aren’t doing when it comes to the backend processes of their very own business to assist in its own growth. This is where small business owners can benefit from engaging in a VA for their business. What do I mean by that? I’ll use one of my clients as an example on this one to give you genuine insight. One of my clients David runs a Pest Control business. He’s a one man show. I first met him a little under 12 months ago. Business was ok for him, but he was really wanting his business to grow. David was fantastic at providing service to his clients. Although, when it came to marketing his business and stepping into the digital age of Facebook, this is where he struggled. That’s where I came in with my Virtual Assistant (VA) Business. I spent some time with David going over his options. I also suggested options to David that would help him promote his business and make his brand stand out! David had a website, but sadly, no focus had been put on his SEO (Search Engine Optimisation). We first needed to tackle this problem. Next, we placed David’s business on Google with a Google My Business Listing. You are committing business suicide by not having your FREE Google My Business Listing. I highly recommend you go and get yours NOW, remembering to add as many images relating to your business (including your logo to help with branding) and images of your product/service. Why add these photos? These also rank in Google when a user is doing an image search, so be sure to remember this! We then moved onto Facebook – he had less than 50 likes on his page, and hardly any content on it, and most importantly, not much contact information. Together we focussed on getting his page up to standard. Potential clients could now contact David easily by accessing his information from his Facebook Page. A few cosmetic changes as well with cover photos & profile photos that stood out. It was important to focus on getting David’s business brand known in our local region. To do this, we utilised local advertising groups & community noticeboards on Facebook – key thing to remember here:
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1. Read the rules of these advertising/community groups - most will have rules relating to advertising posts, so don’t overdo it. 2. Always share content from your page to these groups - By doing this, you will capture your reach & engagement on these posts on your Facebook Page. 3. Tag your own page and note your website link in these posts - it will give the users a quick click through option to your page and the option to head over to your website for more information. Once David’s business brand was being regularly seen on Facebook, his brand was easily recognisable. Demand for his services increased. Three months after we had started working with David, his income for the business had tripled. As a VA, I was beyond happy that the support I provided David had done what we set out to achieve. For David as a small business owner, he was over the moon. David could start to see the benefits of having that support there, as and when he needed it. Without the worry of having someone working for his business on a full-time basis. Twelve months down the track, we now have David’s business at a point where his monthly income has increased by five times and the future for his business looks prosperous.
It can be a big step to engage a virtual assistant for your business. The benefits in the long term, will prove to be the best business decision you’ve made. Think you need to get yourself a VA? Get in touch with us today to see how a VA can help your business today.
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Business
Need help getting your business up and running? If you said YES, our new Small Business Startup Package is for you. Our Startup Package will help you get you online; Website (incl SEO setup) Google setup Facebook Page setup Marketing Video Logo Design For a limited time only this package is priced at $2000 + GST* *50% deposit required upfront, balance on completion
Let us get you started and online! Call Carlene on 0412 880 875 Visit our website for more information www.swsvirtualassistant.com WAHP Business Australia
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Business Congratulations to the four Creative3 Pitch finalists - Peter Davis – Postie; Ruth Stephensen and Scott Thomas – Creatively Squared; Martin Smee; Dylan Verrier and Thor Hansen – Pluss; and Sarah Mak and Dave Lloyd-Lewis – Folktale. Creative3 Pitch forms part of CEA’s annual Creative3 conference, which will be held in Brisbane on September 22 this year. These tech startups have been selected from a field of talented startup businesses at the forefront of Australia’s creative tech industry. All four finalists will be competing to represent Australia at the global Creative Business Cup conference in Copenhagen on 16 November. The winner will also be given the opportunity to participate in Virgin Startups London accelerator program, StepUp on 22 November. QUT Creative Enterprise Australia (CEA) selected the four startups, two from Brisbane and one each from Melbourne and Sydney. They will participate in Australia’s Creative3 Pitch. CEA is currently the only Australian organisation can nominate startups for both the Creative Business Cup and StepUp program. Mark Gustowski, Acting CEO of QUT Creative Enterprises Australia (CEA) said CEA continues to propel the Australian startup ecosystem to a global marketplace. He suggests that for companies to be able to scale up to their fullest potential, that a global perspective should be front and centre of everything they do and create. “The calibre of entries to our Creative3 Pitch competition was incredibly high and we’re excited to unveil the next Australian innovator to present to our global cohort at Creative3, this September 22”. “Winning our Creative3 event will put the successful founder on the world map as they pitch to a fleet of international early stage investors, entrepreneurs and futurists. “They’ll have the opportunity to be invested in, be seen and leveraged across the oceans. The winner will also be flown to London to participate in theVirgin StepUp accelerator program and go on to represent their business as the Australian finalist at the renowned Creative Business Cup”. “For startups looking to grow, this is a stand-up way to do it. Pitching competitions of this magnitude can open so many doors to connect with bustling likeminded people driving the next wave of creative innovation”.
Darren Tonkin from Storyboard Social wins Creative 3 Pitch 2016
Former ABC judge on ‘The New Investors’ and host of the ‘This Week in Startups’ podcast, Mark Pesce, says that scaling globally and gaining global opportunities are an important part of the growth cycle for Aussie startups. “Scaling is probably the most difficult problem a startup faces during its lifetime, and it’s something that can’t be postponed,” says Pesce, who will also be hosting the Creative3 conference. “Australian startups need to grow internationally as soon as they can possibly support the effort, because our home market usually isn’t big enough to support a decent-sized enterprise.” “When we compete, we punch above our weight. But too often we simply choose not to compete. The founder of a company I worked for told me his secret was to surround himself with people who were smarter than himself. I’ve always tried to make sure that I’m working with people who are brighter than me, whom I’m learning from all the time. It’s necessary - and humbling.”
Mark Gustowski - Acting CEO at QUT Creative Enterprise Australia
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“A creative process is not just making something up and throwing it over the fence. It’s continuous involvement, adjustment, listening, improvement, and even fronting up to removing something from the market that’s turned out to have unfortunate consequences.”
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Creative Pitch Finalists 3
Business
Postie is a digital marketing platform for any business that engages in creating and sharing content socially by helping brands to excel in the highest ROI areas of digital marketing. Using Newsletters, Postie powers everything with the very best of their content that was originally created for Instagram. Create powerful and beautiful campaigns with content validated by their social audiences delivered in a fraction of the time that it takes to build a campaign in Mailchimp or Campaign Monitor. Peter Davis Founder of Postie is excited about the opportunity provided by Creative 3 Pitch for tech startups. Pete Davis - Founder of Postie
“Postie provides a platform that is a step up in creating a campaign using popular Instagram content”. Creatively Squared is a platform to connect businesses that need creative and engaging visual content with talented stylists. Through Creatively Squared, businesses can access a network of content creators to produce images of their products for use on social networks and other platforms. Businesses simply post the items to the content creator of their choice and let the online platform organise the rest. First starting in 2016 as an Instagram community running weekly creative photo competitions, Creatively Squared identified a niche to support businesses struggling to generate quality social content. Ruth Stephenson, Founder of Creatively Squared is proud to see all the hard work they have put into the business being recognised by the industry.
Scott Thomas and Ruth Stephensen Founders at Creatively Squared
“It was a great achievement for all the creatives in our community that have been on this journey with us. It was great to have that validated by the judging panel at the C3 semi-finals”. We have built our online creative network to be global from day one, so we would really benefit from the international exposure at the Creative Business Cup and Virgin StepUp program if we were to win.” Pluss is the software designed for young people who want to experience more in real time. The open organiser platform allows you to find, track and showcase all your favourite things, from recipes to dream travel destinations. You can also see what people around you are interested in at the same time.
Sarah Mak and Dave Lloyd-Lewis - Folktale Folktale is a creative video marketplace that helps connect brands to customers, through a community of mobile-enabled content makers to help co-create authentic brand stories through video. While video is a rich and engaging medium that delivers immense value to marketers, it is often too cost-prohibitive, technically challenging and time-intensive for most organisations to create at scale. That’s where the Folktale community comes in.
WAHP Business Australia
Martin Smee, Co-Founder at Pluss described the business’ beginnings as starting off as a ‘real itch’ for a couple of friends in Brisbane.
Dylan Verrier, Martin Smee and Thorbjørn Kappel Hansen - Founders of Pluss
“All these big online networks telling us what other people are doing and thinking. We thought, why doesn’t one exist that filters what I could do this week? The concept of a youthful organiser that knows our interests, where we are and runs a few steps ahead of us was born.” “You, Pluss, The World - is our motto.” Martin Smee believes that apps and technology are just as much tools of the creative as cameras and easels. “Getting through to the finals of Creative3 Pitch puts us closer to a world stage. Even more important, is to be immersed in the creative networks that CEA has access to, here and worldwide. Mentors, partners – they’ll all be so important for us, an instantly global idea with great tech to match, needs smart creative minds."
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Business
What’s in a Bet you didn’t think coming up with a name for your business would be so hard. It could be one of the most important business decisions you ever make. The name is akin to laying a solid foundation of your business. Your business name is a part of your branding. Helen Dayman WAHP Business Australia
Browse online or even take a stroll in your local business district. You will see the good, the bad and the ugly in business names. You want your business name to make a lasting impression – in a good way.
Tips on what to avoid: 1. Decide by Committee – It may seem a good idea initially to get input from family and friends… but you will either end up with conflict or a safe vanilla name. Neither result will work for your business. Limit involvement to key decision makers.
5. Avoid the cliché - You want to convey through your business name what you are about. Being the best in your field doesn’t mean you need to include the words Apex, Peak or Summit. Use combinations of positive words and metaphors.
2. Step around the “train wreck” in creating a name for your business – What is a “train wreck”? Combining an adjective and noun to create a new word or ‘catchy’ business name. Does it work? Sometimes, but not very often. Another common mistake is to add the words Tech, Corp or similar onto the end of a business name. This appears forced and doesn’t flow easily.
Get creative! Consider these businesses - Mission Australia conveys conviction and dedication; Good Start Early Learning inspires confidence; Bakers Delight stokes the appetite.
3. Using plain words – You want your business to stand out from the crowd. It needs to be eye-catching in print and roll off the tongue to say it. Your business needs to show it is unique. A unique and original business name will do that. (Word of warning – your business name still needs to be able to identify what your business does) 4. Don’t limit your business by location – A common mistake is to use your location in the business name. While it may work well initially to show you are a local business, in the long run this will limit your business growth. A few high profile businesses re-branded to avoid these limitations. Minnesota Manufacturing and Mining became 3M; and Kentucky Fried Chicken became KFC. On the positive side, you can incorporate a feature of your location into your branding.
6. Original, Creative but not Obscure – Your business name has special meaning or significance. It tells a story about your business. It can do this, but also needs to be recognizable to your customers. It needs to be easy to spell and pronounce. Too complex means that your branding will fail to register and be recognizable to your customers. 7. Campbell’s Soup approach – Purposely misspelling a business name might seem like a good idea at the time. Quirky even, using a K instead of a Q or replacing an F with PH. Customers may have difficulty in finding your business, website or contact details. 8. Don’t get stuck with the wrong name – Never be afraid to change the business name if it doesn’t work. The wrong business name won’t magically fix itself and can do long-term damage. If it’s wrong, then change it and update your branding to get a true reflection of your business.
It is exciting starting a new business. Get creative and take your time in deciding on a business name. You want something that you can build on and create a brand that will be with your business now and for the future. Page 10
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Small Business Supporting Communities
Business
Small businesses are the backbone of Australian communities. There is a growing movement of small businesses giving back to their communities and supporting fundraising events. This issue we highlight two charities, two people and how they gather support from the small business for their fundraising. Christina Shirripa from Fundraising by Christina is fundraising again this year and is proudly supporting beyondblue. Beyond ‘the stigma’ Gala besides fundraising for beyondblue also raises awareness of all mental illness, suicide prevention and work towards breaking the stigma. The event is on 18th August 2017 at the Veneto Club in Bulleen, Victoria. Event starts at 6.30pm and goes to 11.30pm. Beyond ‘the stigma’ Gala will include a 3 course meal, Gabriel Rossi comedian as MC plus entertaining, as well as The King of Pop Show staring TJ Cappola. There will also be a silent auction on the night. Post event, there will be an online auction and movie night. Christina is happy to hear from any businesses who wish to sponsor or donate items for the auctions or raffles. You can also join the Newsletter list to stay informed of future opportunities next year for sponsorship and donating items. Contact Christina to get your business involved – Email: hello@btsgala.com Facebook: www.facebook.com/FundEventsChristina
After a work colleague passed away in 2015 after a 14 month battle with Motor Neurone Disease, Chris Hall decided to take action. Chris aims to raise as much money as possible to help towards finding a cure for MND. As part of his fundraising, Chris is wheeling 50kms each month in his wheelchair. Chris was born with Spina Bifida and is paralysed from the waist down. He started fundraising in January 2016, raising $9000 in 2016 and having raised a total of $12,000 - $13,000 to date. Chris is planning a major event on 1st September 2017 at the Grovedale Hotel in Geelong, Victoria. Entry includes finger food, complimentary drink on arrival, auctions and entertainment by local acoustic band Salted Fish. The event starts at 5.30pm to 11.30pm.
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The message that Chris Hall would like to get out is that MND Motor Nueron Disease is a death sentence. There is no known cure. “If a person in a wheelchair can get out and wheel 50kms a month for charity, then anyone can”. This event is still looking for businesses for sponsorship or providing auction prizes. If you would like to offer your support Get in contact with Chris Hall. www.facebook.com/groups/Wheel4MND/ Website - http://wheel4mnd.org/
All fundraising goes direct to MND Victoria https://chuffed.org/project/wheel4mnd Page 11
Business
When something is IMPORTANT ENOUGH, you do it, even if the odds ARE NOT IN YOUR FAVOUR. - Elon Musk
Only 100 of these prints available Designed by Everley Design Boutique
Download your print HERE Page 12
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Business
Latest News in Business Australian business confidence falls for second quarter in a row driven by negative sales, employment and profitability results Australian small and medium business (SMB) confidence has fallen five points to +39 on a net basis, driven by negative sales, employment and profitability results, according to the latest Sensis Business Index (SBI) survey.
“The Victorian, Queensland and South Australian Governments remain unpopular with business owners, although the South Australian Government is struggling the most and was the only Government to go backwards this quarter after a 16 point fall, driven by concerns of too much bureaucracy and taxation being too high.”
The net balance of +39 is calculated by comparing the number of confident SMBs (57%) to the number who are worried (18%).
At an industry level there were mixed results in terms of business confidence, with six out of 10 industries going backwards. Health and community services continues to lead the way, while there were considerable jumps in confidence in manufacturing and wholesale trade, with expectations for strong sales to continue this quarter.
Sensis Executive General Manager, James Ciuffetelli said: “After confidence hit the highest level in more than six years in December, we’ve seen confidence drop. We saw declines in all of the key indicators this quarter, with business owners particularly feeling the pinch on sales and employment.”
“Businesses in retail are struggling the most, while those in hospitality suffered a 21 point drop in confidence this quarter, driven by poor profitability results. It was also the businesses in these two sectors that have the lowest approval ratings of the Federal Government,” said Mr Ciuffetelli.
The result would have been worse were it not for the strong result among regional businesses, with regional business confidence now sitting at the highest level in more than seven years, after rising seven points to +47.
The net balance score for current perceptions of the economy now sits at +1, while the expectation for the economy in a year’s time sit at +9, after both scores fell one point this quarter.
“We saw a 20 point reversal in confidence between businesses in the capital cities and those in regional areas this quarter. This was driven by strong results among regional businesses in New South Wales, South Australia and Tasmania,” said Mr Ciuffetelli. The Index, which reflects the views of 1,000 small and medium businesses from across Australia, also revealed that SMBs responded favourably to the Federal Budget, with the Government’s approval rating jumping eight points to +6 on a net basis. “Last quarter confidence in the Federal Government fell into negative territory but it has bounced back strongly this quarter following a popular Federal Budget which has resulted in more businesses seeing the Government as supportive of their needs,” said Mr Ciuffetelli. “The Government’s approval rating is now only one point off Malcolm Turnbull’s highest score, which was recorded when he took over as Prime Minister. The key reason behind the boost in the Government’s fortunes was the popularity of the $20,000 instant depreciation benefit for asset purchases made by businesses with a turnover of $10 million or less announced in the Federal Budget.” Across the states and territories, only WA businesses were more confident, in the first survey taken since the state election in March. Confidence went backwards in all other locations, with the ACT still the most confident location, despite suffering the biggest fall this quarter. Despite the results, most Governments improved their approval ratings. “There was good news for most state and territory governments, with a strong boost to the NT Government’s approval rating following the NT Budget, while the ACT and WA Government’s scores have also improved as businesses enjoy the certainty of having moved past their local elections,” said Mr Ciuffetelli.
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“Businesses are finding it much harder to access finance than they were six months ago and concerns around sales are continuing to act as a barrier to employers taking on new staff. The good news is that all of the forward indicators remain positive, although none have improved this quarter,” said Mr Ciuffetelli. Full report and video summarising the report are available at: www.sensis.com.au/SBI
Small Business Access to Justice Bill The Australian Small Business and Family Enterprise Ombudsman has welcomed a Senate vote to improve access to justice for small business. Ombudsman Kate Carnell said the passing of Labor’s Competition and Consumer Legislation Amendment addressed a key finding from her Small Business Loans Inquiry. “Access to justice is an important issue for small business operators,” Ms Carnell said. “The Senate bill allows Federal Court judges to waive liability for adverse costs to small business private litigants in cases related to the misuse of market power. “It gives small business operators confidence to proceed with legal action, knowing they will only be liable for their own costs. “This has the added benefit of filtering cases that might potentially be considered vexatious or unlikely to succeed, saving time and money for all involved.”
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Marketing
Rebecca Turpie Everley Design Boutique www.everleydesignboutique.com.au
Branding Basics
Everyone instantly recognises a Cadbury product. It doesn't take a master sleuth to know the Cadbury brand at a single glance. Their packaging, advertising and online presence are all easily recognised, without a second thought. But why? The same goes for so many brands in the marketplace. Virgin, Mazda, Krispy Kreme, Nike. The list is endless. These companies are completely different, but they all have one thing in common: they have all developed a robust and dynamic brand identity! The good news is that this isn't reserved for the big guns only. No matter the size of your business right now, you can do it to! Branding is like a puzzle. Your logo is the cornerstone of your brand, but it’s only one piece of the puzzle. Your marketing collateral, product packaging, social media presence, signage, website, selling platforms, advertisements, order packaging, correspondence, and more – are all important pieces of the puzzle. These elements must stay true to your brand image, or that piece of the puzzle doesn't fit. And if it doesn't fit, it’s failing your business. But why are all of these things so important? Each piece of the puzzle is an opportunity to create your brand identity, but conversely, if you don't get it right, it can also be a pitfall. Each puzzle piece is a point of recognition for your brand. If it's not easily recognised as yours, you can miss opportunities to build relationships and make sales. If the customer doesn't instantly connect your presence in the marketplace with your business, it opens the floodgates for them to turn to your competitor, if they like what they see, but don't know to buy it from you.
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Let's start by looking at the purpose of your logo When creating your logo, you need to assess your target market, business objectives and themes you want it to convey, as it must represent the core values of your business and allow your target market to feel a connection with your brand. There are many ways to create a logo. Some are amazing, some not so amazing. Your budget is very likely to play a role in your decision here, but don't overlook the value of investing wisely in the services of a professional logo designer. Purchasing a poorly made logo is a bit like training for a marathon, and joining the seniors' mall walking group for practice. It's not going to achieve the results you need. If you purchase a pre-made logo that is sold over and over, your brand cannot create a unique visual identity. If you use a DIY app or inadequate software to create a low/no cost logo, you will encounter quality issues and end up with a logo that has many limitations in its use.
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Marketing If the cost of a professional designer is inhibitive for you, then hiring a Graphic Design student or a newly qualified Designer looking to build their portfolio could work for you. Be sure to ask for work samples and testimonials before making a decision too. After your logo, there are two key branding elements that you can implement into your business right away: colours and fonts. Your brand colours become like your team's football jersey! Everything you produce for your business must use these colours. You should limit the palette to two or three colours from your logo, but a single colour also works. Your logo fonts, depending on the style, may be incorporated into your overall branding. If your logo contains a decorative font, you may use this only for headings or accents. You then need to choose a plain font that you adopt as the standard brand font you use for everything you produce.
Your brand colours and fonts must be used everywhere, all of the time, and on everything. This is the minimum non-negotiable of creating a memorable visual identity, and they form the basic elements of your style guide. You can then expand on these elements with the development of a brand pattern, like Telstra with their geometric background, or a brand icon or mascot, like McDonalds’ Ronald McDonald clown. If you see value in these additional elements for your business, they must be developed to complement your logo, colours and fonts. Creating a cohesive look for your brand is a process you can easily do yourself. Start by creating a mood board that depicts the styles and themes you want your brand to emulate. Incorporate all of this into your logo design. Then use your logo as the basis for developing your style guide, which at a minimum, stipulates your colours and fonts.
Then stick to it! It really is that simple!
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Marketing
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Blacktown Area Pet Sitting Blacktown area pet sitting are offering $20 dog walking sessions at the moment. To book: www.blacktownareapetsitting.com.au
Darvanalee Designs Singer Heritage 8768 The Singer Heritage sewing machine is the perfect addition to the sewing room of even the most experienced sewers. Featuring timeless style and modern innovation
$499.00 Purchase at:
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Marketing
Small Business! Why you should care about Surveys
Your business may be going gangbusters without these insights, but even for currently successful businesses, there is very likely to be a place for surveys. Can My Small Business Really Benefit From Surveys? Not convinced that surveys are for you! How well can you answer the following questions about your customers? If you answered ‘no’ to any of these questions, a short and targeted customer satisfaction survey can identify key information that can directly impact your business’s profitability. It will allow you to better engage with your target market, and identify the most cost-effective ways to target new customers with the same profile. Customer Survey Insights Can Be Worth Q: Do you know how your customers first heard about your business? Q: Do you know why they decided to buy from you? Q: Do you know if they’re happy with their purchase? Q: Do you know if they would be happy to share a social media review about their purchase? Q: Do you know if they would buy from you again or recommend you to friends and family?
Their Weight in Gold Automated communication platforms allow small businesses to seamlessly communicate with their customers. Many ecommerce, website, email, and funnel programs include survey apps and functions that owners can use to automatically send surveys at key customer touchpoint stages to find out what customers are thinking. In addition, there are lots of standalone survey programs such as Qualtrics, Survey Monkey, Wufoo, and Survey Gizmo that can be used to easily set up attractive mobile responsive online surveys. These programs allow people without a coding background to build their own surveys and usually offer a free subscription level. The most obvious way to harness these tools is to set up a short customer satisfaction survey that is automatically sent a short period after a purchase is made. Questions to ask can include satisfaction with their purchase, why customers may be dissatisfied with their purchase, how your current offering can be improved, whether they would recommend your business to friends and family in the market for your product or service, and if they are willing to share a positive social media review or testimonial.
As long as you ask questions that customers feel experienced enough to answer; the questions and your survey is as short as possible; very easy to answer; and appropriately incentivised - most customers are happy to provide feedback. Their insights are worth their weight in gold to you. Page 18
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Marketing
Lots of small business owners can probably agree with the adage that it’s tough to find time to work on their business when they’re so busy working in their business. However, customer surveys can go a long way in identifying strategic insights that can have a significant impact on how successfully you operate and grow your business.
Would you like more advice about how surveys can help your business sing? Feel free to drop me a line for an obligation-free chat about the best way to write, distribute and interpret surveys.
YOUR OWN CUSTOMER SURVEY LINK READY TO SHARE - $90 EXC GST* Maidstone Consulting will:
Rosemary Butcher Maidstone Consulting
rosemary@maidstoneconsulting.com.au
WAHP Business Australia
- write a 3 minute customer survey tailored to your business - script your survey on your preferred free survey platform - deliver an online mobile responsive survey link that you can easily share via email and social media
Contact Rosemary for an obligation-free chat M: 0401 547 611 E: rosemary@maidstone consulting.com.au * Terms and conditions apply
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Marketing
Helen Dayman WAHP Business Australia
You asked and here we have it – Tips on promoting your business on Social Media. Many of these tips can be used across each of the social media platforms, while others are more suited to one or two. Embrace the Visual Images are getting more engagement than other posts across all platforms. Pinterest, Instagram and Snapchat, three of the newest social networks are based solely on images. Leverage the visual when you promote your content. Create separate images for main points and use different images for the same content on different platforms. Headlines Matter Great content without an eye-catching Headline will see your posts disappear into the masses on any of the social media networks. A good headline grabs attention and inspires engagement. It will intrigue people to ‘read on’. Vary your headlines for the same post content on different platforms. Customise for Platform Each social media platform has different customizable posting features. Use those available to make your post stand out from the crowd, catch the user’s eye and promote engagement. The more optimised the post, the more effective your post promotion will be on that social media platform. Use #hashtags for those social media networks that support them.
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Share at the right time When are your customers and brand enthusiasts online? Posting when they won’t see your content is a waste. Each social media platform have different peak times. Peak times may vary depending on your business’ audience. You can use a variety of infographics available that suggest the best time to post on social media. Use the analytics within your social media platform to identify what posts perform better and when. Post multiple times We have already mentioned posting multiple times on the same content. It is also important to post a few times each day on each social media platform. You can use multiple images and headlines for the same content. This way you are engaging regularly with your followers, but highlighting different aspects of the same content. Multiple posts of content increases the chances of your audience seeing your content. Ask questions What encourages conversation and discussion? Asking a Question, of course. The basics of any communication increases engagement by asking questions and providing feedback. Social media in an essence promotes social interaction, which in turn encourages conversation and discussion. Make a bland statement and it stands alone. Ask a question and you will get a response.
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Marketing
Promote your Business on Social Media Response promotes engagement It’s not enough to create opportunities for communication, you should always follow through. Each social media platform has tools to encourage both discussion and for businesses to respond. Being a responsive business is an integral part of developing strong relationships. Social media was created for people to communicate. Strive to create that human connection and you will be forging strong relationship bonds. Share on the right platform There are so many different social media sites with new ones popping up and vying for attention. Some are location specific, others may be industry specific, while many are for everybody. You could create a social media account for your business on them all, but you would be spreading yourself a little thin. Instead, pick the ones that your audience uses. Where will you find them? Most popular are Facebook, Twitter, Pinterest, Instagram and LinkedIn. Google Plus is popular more with business or industry specific and newcomer Snapchat is gaining a lot of traction especially with youth. Paid Promotion Each social media platform has paid promotion options available. Don’t jump in feet first. Get some advice from experienced promoters and test the waters gently. Not all methods of paid promotion work for every business.
Maximise Brand Ambassadors Employees and customers are your best brand ambassadors. Ask them to share and help spread the word about your products and/or campaigns. Consider what incentives you can provide to encourage them. Leverage Communities How many online groups do you belong to? These could be community location based groups on Facebook like a Buy and Sell page; networking group for your local area or Australia wide; and networking group specific to an industry. If your ideal target customers are families and parents, join a Mum and Bub group is one option. Each platform have their own individual communities – over two million in LinkedIn; Twitter chats; Google plus communities; shared Pinterest Boards and of course Facebook groups. Join and become an active member of the community. Don’t do the hard sell. Share information and helpful tips with the occasional business promotion post. Increase brand recognition, encourage relationships establish trust. People will generally deal with a business that they feel they know and trust. Be that business!
Social media is one of the most powerful tools available. Many content marketers fail to maximise social media’s potential for their business. Try these tips when promoting your You need to micro-target your audience and find what content on social media to generate more grabs their attention on each platform. Experiment with engagement. a limited budget on first one platform before trying the next.
10 Rules of Social Marketing LISTENING FOCUS QUALITY PATIENCE COMPOUNDING INFLUENCE VALUE ACKNOWLEDGEMENT ACCESSIBILITY RECIPROCITY
- Learn what’s important to your target audience - Specialise in one area to build a strong brand - 200 online connections who engage is better than 1,000 who don’t - Commit to the long haul, success doesn’t happen overnight - Publish amazing content and build a quality audience - Connect and build relationships with influencers who are interested in your products - Don’t just sell, sell, sell. Join in conversations and add value. - Always respond to everyone who reaches out to you - Don’t publish content and disappear. Stick around to respond to comments. - To get others to share your content and talk about your business, you must also be
willing to share and talk about theirs too WAHP Business Australia
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Marketing
Everley Design Boutique
Cushion Covers Everley Design Boutique has a gorgeous range of beautifully designed cushion covers that will brighten your dĂŠcor or make the perfect gift for that someone special. Price: $29 Postage $8 Australia wide (free over $50) Purchase at HERE
Emporium Plus Online Markets
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Fees range from bronze, silver and gold starting at $11 Market supports small business so whether you are a service or sell type business. Markets are held monthly on the first Friday of every month. www.facebook.com/events/1132964603461777/
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Latest News in Marketing The Shark Attack you WANT
Down-Under entrepreneurs target effective trans-Pacific trade Australia is famous for its innovators and inventors but it’s also getting tougher to cut through red tape, find funding and get patents in order. So two local entrepreneurs, Alice Langford and John Lordi, have joined forces to create OzInnovators (http://ozinnovators.com.au/), a bridge for Australian innovators – creators of products, inventions and innovations – to lucrative US-based launch pads for success. They have enlisted the help of the original “Shark” from the original Shark Tank reality TV show, Kevin Harrington, who has generated more than $5 billion in sales. Locals will be able to learn from the founder of the infomercial and the “As Seen On TV” industry, who has listened to more than 50,000 pitches before being one of the founding Sharks on the US Shark Tank more than eight years ago. More than 50,000 products are submitted every year to the Shark Tank in the US but only 300 make it through for development and presentation. Harrington and Lordi have done business for more than 10 years and this partnership has developed into OzInnovators. Harrington’s expertise will help local businesses sharpen their pitches for the global market. Harrington (left) will visit Australia in September on behalf of OzInnovators and host an exclusive “Pitch Tank” at the Click! Digital expo in Brisbane. “Many brilliant innovations are being stolen or lost before they can get to market and much money is spent in a pathway to the notorious ‘Valley of Death’ in many people’s dreams to commercialisation,” said Lordi and Langford.
Langford is an experienced negotiator, deal-maker and connector in Australia through her extensive and strategically driven networks across business, Government and community organisations. “In the stream of people that I have seen through the business advisory programs and services, I can see the frustrations first-hand and many times too late in the path of commercialisation and with very little left to invest in marketing and production. “John and I and our team provide frontline high-value service to innovators and inventors with information, connections and advice, hopefully at the right time before money and time are wasted. “We understand that good ideas need to be acted on quickly and costeffectively. “We can provide opportunities where real money can be made and give the real picture up front.” John Lordi (on left, with Kevin Harrington) is the United States connector, entrepreneur, critical thinker and problem solver. He has been travelling to and from the US for well over the past decade qualifying his “A-list” industry contacts and laying foundations for nonUS people to gain direct access to the right people in a range of specialist focus areas. He has identified the critical success factors of what the US market seeks in a new idea or product as well as the people who can make it all come together seamlessly.
“Our focus is to introduce great Australian products into the world market, especially the US.
“I find the brainiacs in the markets for people who don’t know how to get into the marketplace,” Lordi said.
“We help inventors and innovators get ‘real’ opportunities … especially licensing deals, distribution deals, and TV infomercial strategies with a range of options that offer success for unique and worthy inventions and products.”
“They want to know what the problem and gap in the market is, how many solutions to the problem does it have … and can it address the five ‘key’ areas. They are ultimately looking for the ‘Wow’ factor,” he said.
WAHP Business Australia
Website: http://ozinnovators.com.au/
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Money
Tax for Business
Understanding GST, PAYG & BAS Starting a business is all about the business, or so you would think. Not so… The other side to your business is your legal responsibility to pay tax. Let’s break it down. For a small business, there are three main taxation you need to be aware – GST, BAS and PAYG. GST – Should your business be registered Registering for GST is based upon overall turnover income (not profit) of your business. $75,000 and over – register for GST; under $75,0000 it is option to register, but you do not need to. Not-for-profits have a threshold of $150,000. Any business providing taxi travel must be registered for GST. When you first register your business, you are expected to estimate whether you will reach the threshold in the first year. If you haven’t initially registered for GST, but throughout the year you believe you will go over the threshold – you have 21 days to register for GST. What is GST? It stands for Goods and Services Tax and is a broad-based tax of 10% on most goods, services and other items sold or consumed in Australia. If you are registered for GST, your business will need to collect extra money (one-eleventh of sale price) from your customers and pay to Australian Taxation Office (ATO) when due. Sarah’s handmade business has received overall turnover of $77,000 for the financial year. These sales have come from her market stall, online shop and website orders. Sarah will need to register for GST.
At the end of the financial year, Sarah’s business reported: Overall Turnover - $ 77,000 GST on sales - $ 7,000 GST Input Credits on business purchases - $5,500 Balance of GST payable to ATO - $1,500 There are GST concessions available for small businesses with a turnover less than $2 million. Find out more by talking to your Accountant.
PAYG Instalments -vs – PAYG Withholding PAYG relates to the amount of tax paid to the ATO on income. There are two forms of PAYG – withholding and instalments. If your business has employees, a portion of their taxable income is WITHHELD and paid to the ATO on their behalf as PAYG Withholding. As a business owner, you also have a taxable income based on the profit of your business. The profit relates to business income less expenses. PAYG Installments can be paid to the ATO on a quarterly basis enabling you to meet your income tax obligations.
GST Credits or Input Credits are GST on purchases made by the business. These can be used to offset the GST to be paid to the ATO. Sarah purchased new items for her business: Sewing machine for her business costing $1,100 – GST input credits of $100.
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Published by WAHP Business Australia
Money
Helen Dayman WAHP Business Australia
BAS – Reporting of GST The BAS reporting system is how your business reports the GST received from sales and input credits on GST paid on purchases. Previously it has been an extensive exercise that many small businesses have found to take up important time away from their business. As at 1st July 2017, the ATO have the ‘Simpler BAS System’ available for small businesses with a GST turnover less than $10 million. The Simpler BAS reporting system is optional. Small businesses can choose to continue with the full BAS reporting system. The BAS reports on the following tax obligations – 99 Goods and Services Tax (GST); 99 Pay as you Go Withholding (PAYGW); 99 Pay as you Go installments (PAYG); 99 Wine Equalisation Tax; 99 Fuel Tax Credits; 99 Luxury Car Tax. GST Tax codes in the Simpler BAS Reporting System are reduced to – Total Sales (G1) Sales (1A) Purchases (1B) PAYGW, PAYG, Wine Equalisation Tax, Fuel Tax Credits and Luxury Car Tax are not affected by the Simpler BAS changes. These GST Tax codes will remain in the full BAS reporting system – Export Sales (G2) Other GST Free Sales (G3) Capital Purchases (G10) Non-Capital Purchases (G11)
GST Free »» Most basic foods »» Some education courses, course materials and related excursions/field trips »» Some medical, health and care services »» Some medical aids and appliances »» Some medicines »» Some childcare services »» Some religious services and charitable activities »» Supplies of accommodation and meals to residents of retirement villages (certain operators) »» Cars for disabled people to use (with requirements) »» Precious metals »» Sales through duty-free shops »» Grants of land by government »» Farmland »» International mail »» Exports »» Sales of business as going concerns »» Some telecommunications supplies »» Eligible emissions units. Exports of Goods - are GST-free if exported within 60 days of supplier receiving payments for goods and supplier issues invoice. Other Exports - supplies of things other than goods for consumption outside Australia (services, various rights and professional services). Broadly, a supply of service is GST-free if recipient resides outside of Australia.
** This information is provided as an overview of GST, PAYG and BAS. For more details information please contact your Accountant and the Australian Taxation Office (ATO).
ATO - How GST Works - www.ato.gov.au/Business/GST/How-GST-works/ GST Calculator - www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/gst-calculator
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Money
NEIS
New Enterprise Incentive Scheme Are you wanting to start a business? Want to work for yourself? Not sure how to get your business off the ground? You might have a few limitations – business experience, bookkeeping and administration, financial support or startup funds. What you do have is a passion for an idea or concept that you can turn into a business. The Australian Government has in place the NEIS program to help job seekers essentially create their own job or business. While there is no grand or loan attached to the scheme, the support and mentoring will help your business to succeed. The NEIS program is delivered by a network of 21 providers who provide individual assistance to job seekers to become self-employed business owners. There is a total of 8.600 NEIS places available nationally each year.
NEIS provides –
• Accredited small business training and business mentoring for up to 52 weeks; • Income support for up to 39 weeks (NEIS allowance payment); • NEIS rental assistance payment for up to 26 weeks (if eligible); • Personalized mentoring and support from a NEIS provider in the first year of the new business. Help in putting their business idea into practice.
Eligibility for NEIS program • At least 18 years of age at the time of commencing in NEIS assistance; • Not prohibited by law from working in Australia; • Available to participate in NEIS training and work full time in your proposed NEIS business; • Have not received NEIS assistance in previous three years; • Not an undischarged bankrupt. • Fully eligible for Jobactive or are a Disability Employment Servicers participant in the Employment Assistance Phase • OR participating in Jobactive as a volunteer and can start in NEIS before the end of your period of service.
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What types of business is allowed under NEIS program? • Cannot already be operating on a commercial basis; • Have an independent business structure; • Lawful and capable of withstanding public scrutiny; • Assessed as commercially viable by the NEIS provider; • Not compete directly with existing businesses unless there is a demonstrated unsatisfied demand for the product/service. Or product/service is provided in a new innovative way. • Established, located and operated solely within Australia • Structured so you will have and maintain a controlling interest over the business for the duration of your time in the NEISS program; • Unless agreed to by the Department of Employment, business will not be a not-for-profit. If you wish to start a small business through NEIS you can apply through a provider and undertake the Certificate IV in Small Business Management. During training, you will develop your business plan. Your business plan will be assessed by your NEIS provider and any final business preparations. Once the business plan is approved, you will then receive NEIS assistance. NEIS business mentoring and support are an essential component of the program. Mentors are people with proven business acumen and experience in marketing, finance, accounting and other business skills. You will receive mentoring for the first year of operation to help develop your business. Additional mentoring is available for those participants who have been assessed as highly disadvantaged.
Do you have an idea or concept for a new business? This could be your opportunity to start working in your own business. NEIS Website - https://www.employment.gov.au/selfemployment-new-enterprise-incentive-scheme-neis NEIS program Fact Sheet - https://docs.employment. gov.au/node/34953
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Money
Keep your Business Healthy - Avoid late payments -
Helen Dayman WAHP Business Australia
Late payments can threaten the survival of your business. Unexpected delays in payments can adversely affect businesses with minimal or no cash reserves to rely upon. Delays in payment can occur due to many reasons. Possibly the accounts person is away, customers lack of funds or delays in clearance in the bank.
It is important that your business build and maintain accurate cash flow projections that are visual and concrete. You should map out the expected inflow and outflow of money into your business over weeks and months. Anticipate what expenses are on the horizon. Project expected customer and payments.
A business who nonchalantly regard payment of outstanding invoices is ‘better late than never’. This could mean life or death to your business. If you use an invoicing system, stay on top of payment terms. Shorter payment terms ensure a quicker turnaround time to increase cashflow.
Like our personal finances, your business can also experience unexpected expenses poorly-timed and not in the planned budget. Therefore, it is important to update your cash flow projects on a weekly basis. Stay on top of it.
Slow follow-up on outstanding invoices can foster a lack of motivation for your customers to make payment. A strict payment schedule will ensure your cashflow stays fluid. Ultimately, the reason for delays in payment of invoices does not change the fact your business has bills to pay. Without cashflow, your ability to pay your business’ outstanding invoices is compromised. Your business costs of operation continue as per usual, whether you have been paid or not. What can you do to protect your business? To continue to grow and profit your business needs to – • Understand the problem late payments create for your business • Embrace importance of accurate cash flow projections • Take action to safeguard your business against late or non-payments of invoices. • Ensure you promptly pay your suppliers
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Plan your Budget. Ensure you know your break-even point. Understand what money is going in and out of your business. Predict and anticipate cashflow projections through the bank account. Be aware of current and future sales for the year Identify future expenses for the year. Running your own business is rewarding but there will be times when it is difficult and quite the opposite. In business, there are many factors that determine the success or failure of a small enterprise, but the most common is cash flow.
Taking these steps will give you more control over your cashflow and reduce the risk.
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Latest News in Money Small Business Sector slugged by rising power prices There is mounting evidence that small businesses are bearing an unfair higher share of rising electricity prices. Australian Small Business and Family Enterprise Ombudsman, Kate Carnell, says submissions to the ACCC electricity pricing inquiry confirm anecdotal accounts that small businesses are being gouged. Ms Carnell said while households in several states are grappling with price increases of 15-18 per cent, for most small businesses it’s above 20 per cent, with higher rises forecast next year. “It’s totally unacceptable that energy-dependent small businesses like manufacturers and rural industries are being slugged more than householders and big business,” she said. “The energy system is broken and needs to be fixed, but we can’t afford to see businesses close and jobs lost while governments and energy companies get their act together.” Ms Carnell cited examples from submissions to the ACCC inquiry: Printing Industries Association of Australia Feedback from our members shows individual increases in electricity prices which include $20-30,000 a month; increases over the previous 12 months (or a comparable period) of 25%, 35%, 48%, 67%. One large-sized Melbourne-based print member will face an electricity bill increasing threefold (from $120k per annum to $360k) once its existing contract expires on 31 December 2017. Many of our members have incurred these increases despite decreasing the amount of electricity they use.
Alba Cheese Manufacturing (Melbourne)
All electricity retailers we have dealt with provide complex pricing arrangements which make it hard to make comparison between the various offers. In discussion with energy retailers they focus on the energy rate and blame energy suppliers for the cost increases, they gloss over their own charges and dismiss them as being “beyond their control”. Analysis of electricity charges over the last five years shows that network charges rose by an annual rate of 25.9% over the period whilst energy charges rose 21.3% per annum.
Business SA case study: Regional feed mill JT Johnson & Sons JT Johnson runs a regional exporting business, centred around the export of hay and pellets to Middle Eastern and Asian fodder markets. In mid-2016, and after just having undergone a major upgrade of its power infrastructure, JT Johnson’s total energy bill increased from $800,000 to $1.6 million after its wholesale energy peak price trebled from 6.4 cents to 19.3 cents.
Tasmanian Small Business Council The wholesale forward price for 2016-17 back in May 2015 was trading around $43.50/MWh and then 12 months later for the same period was trading at $59.60/MWh, a 37% increase in costs. For a contestable customer consuming 100,000MWh per annum, this cost increase would have been in the order of an additional $1.7 million. For a customer consuming 200MWh per annum, such as a school or medium-sized business, the additional cost would be $3400 per annum.
Ms Carnell said the submissions expressed small business concerns with lack of retail competition; complexity around price comparisons and billing; transparency, and disincentives to reduce consumption. “I’m deeply concerned that small businesses appear to be victims of profiteering by electricity companies,” she said.
South Australian Wine Industry Association
“I welcome the NSW Business Chamber suggestion of an industry code to provide minimum standards for energy retailers.
We are aware of one larger winery that had invested nearly $400,000 in energyefficiency improvements and solar power that reduced costs by around $120,000 per year, only to then face an increase in electricity cost of 160% in one year amounting to $250,000 – a cost that comes straight off the bottom line.
“These standards could be designed to provide a common basis for comparisons between offers, a minimum length of time to consider retail offers and requirements for greater transparency with billing.” ACCC Electricity Pricing Enquiry -
https://www.accc.gov.au/regulated-infrastructure/energy/electricity-supply-prices-inquiry
Darvanalee Designs Cosmo by Lecien Mouline Special 25 8 meter pack - 100% cotton - 6 stranded thread Cosmo No.25 embroidery thread The most popular No.25 thread is made by top grade of cotton, Egypt Cotton. It is soft and has the sheen of silk. Price - $1.50 each plus postage Purchase - http://stores.ebay.com.au/DDs-Quilting-Supplies
WAHP Business Australia
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Technology
10
Top Apps for 2017 We have searched the internet to find new and exciting Apps to help you in your business. Here are our top picks! 1. Accompany http://accompany.com/ Your virtual ‘chief of staff’, Accompany does the research and prep for your bug meetings. You receive an email with a concise briefing for your meeting including all information you need to succeed. How does Accompany work? It connects to your Google or Microsoft email account, mobile calendar and social media accounts (Facebook and Twitter). The app gathers examines personal data and biographies plus any information online to crate summaries of each contact at the meeting. 2. Pocket http://getpocket.com/ File away useful articles, videos and other contact that you want to ‘save for later’ with the Pocket app. Handy for any information you want to hang onto for future use. Find something but don’t have time to check it out thoroughly now? Just pop it into your Pocket and access it anytime direct from your phone, tablet or computer (online or not). 3. Slack http://slack.com/ An App that gather all group exchanges into one place. Slack is the communication tool you will need and one of the fastest-growing B2B cloud-based applications used by over 4 million active users each day. Have all your group information instantly available and searchable in your mobile device. 4. Buffer http://buffer.com/ A powerful social media tool that streamlines the process of posting your content. Buffer increases your reach by ensuring you get the most of each post. One click, and your content is shared across multiple social networks.
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5. Salesforce1 http://www.salesforce.com/eu/mobile/getting-started/ Connect directly with your customers and run your business from your phone with Salesforce1. Channel your customer information into this single integrated platform. You can build a client-centered business including marketing, sales, customers service and business analysis. 6. Square http://squareup.com/ Process credit-cards for your business anywhere. It’s Easy. Square accepts Visa, MasterCard, Discover and American Express all for one low rate. Once you sign up, you will be sent a free magstripe reader (latest one has chip cards). Or you can opt to use your iPad in a Square stand for countertop sales. The Square Register app also has other useful tools to help manage your business. 7. Toggl http://toggl.com/ Keep track and log your time with Toggle and eliminate the need for timesheets. This app tracks your time from a browser, computer or smartphone. Never lose a minute of billable time again. Organise your time by project or tag and mark as billable. Forget to turn it on? No problems, just enter the time later. 8. Trello http://trello.com/ You can use Trello as a collaboration tool to organize your projects into boards, lists and cards. Now you can prioritize your life and work – visually. You can see what is being worked on, by who and where in the process the project is at a single glance. Turn project management into an easy and enjoyable activity.
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Technology
9. Newton http://newtonhq.com/
10. Box http://www.box.com/
Does your email inbox fill up and become unmanageable? Is it difficult to sift through to find that important email? Newton is perfect for the job with excellent searching, cross-platform capabilities. It’s user interface is easy to navigate.
Sharing files with coworkers, customers and partners easily with Box. This app offers a simple and secure way to share files and collaborate. Centralize your files and keep your team on track and simplify workflow.
The app will scan all of your emails ever received to locate what you are looking for. Newton supports multiple accounts. It’s Cards feature also connects to services like Evernote, Pocket, Trello, Salesforce and Microsoft’s OneNote. Have all the information at your fingertips without leaving your email.
Earth Mother Em Peace & Stability Spritz, 100ml. Description: When you need to ground yourself and get a bit of emotional balance back. $15. Purchase HERE
WAHP Business Australia
No more constant emails (with attachments) back and forth. Create, edit and review documents with your team in real time – from anywhere or on any device.
Technology
Helen Dayman WAHP Business Australia
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Technology
Embrace Video
Back to our first idea – a single video that tells the whole story of your business. The drawback to this Have you jumped onto creating video for your option is that the video is too long. Still a good plan, business? If not, now is the time to get on board. but why not split it up into smaller videos? Video posts are an option on Facebook, Instagram and Snapchat. You can also incorporate video into other You want your videos to vary in length from a short and sweet 30 seconds, to a maximum of 2-3 minutes. posts on blogs, Linked In, Google Plus and Twitter. This is your window of opportunity. This is time One approach you could create a single video that available to grab your viewers attention. Spread tells the whole story of your business. Great for a spot them out across your varied social media, staggered on your website maybe, but not so good on social and not all at the same time. media. Why?
Another option is to have your videos tells a story. It Your potential customer’s attention span is shrinking. could be a series of videos that provide short bursts There is so much on offer, viewers are bombarded of information, background and alternate uses of from all directions. Your video content needs to snag products. Introducing staff and campaigns. their attention in a split second. Take a minute to Embrace video and the many apps available to create revise your video content. Is it doing this? them. Facebook Live has created an immediacy, ‘here So, what can you do to firstly get their attention and we are’ and ‘what’s happening now’ for businesses then keep it. Remember, your ultimate goal is turn too. Get creative and use cartoons for explainer views into sales. This won’t happen overnight, but if videos. There are many options out there for you to you setup a plan of video action you will find your ROI add value to your business. increase.
How will you embrace video WAHP Business Australia
for your business?
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Technology
Facebook Viral posts, scams, spam & suspect links
Everyone heard about the Jayden K Smith scam that was widely shared on Facebook. People took it at face value and shared without checking the facts. Sadly Facebook is like the rest of the internet where anyone can post or right a news story (sic) on an internet blog. The internet is full of ‘fake news’. How do we sift the fake from the truth? Just because ‘everyone’ is sharing a post, doesn’t mean that you should too. Consider also that your profile is linked to your business page. You don’t want to share silly or even potentially harmful links. Parody news websites are full of ‘fake news’ that seems almost plausible. These are the main source of ‘fake news’ in websites such as The Shovel (www.shovel.com.au) and the Onion (www.theonion.com) . These sites use trending real news stories, change the facts and give it a creative twist. Do your homework and check the facts! Never click on links. Remember that Google is your friend and use due diligence by searching first. There are also a few sites that you can check too. Australian government website – Scamwatch reports regularly.
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Technology
Latest News in Technology Cyber security a growing issue for small business
“This requires vigilance and defence.
Cyber crime is here to stay and small businesses need to be prepared and alert.
“The lack of awareness regarding cyber security is one of the biggest threats facing small business operators today.”
That was the message from Australian Small Business and Family Enterprise Ombudsman, Kate Carnell, to the 2017 Security Exhibition and Conference in Sydney on Wednesday.
Ms Carnell said there was often a sense of helplessness among small business operators when they report a cyber crime or when they seek assistance or information.
In her speech, Ms Carnell said criminals have been targeting small business operators since commerce began.
“They don’t always know where to go, but there have been some positive steps,” she said.
“What’s changed over the centuries isn’t the act of crime, but how it’s committed,” she said.
“The Australian Government Cyber Security Strategy aligns to that of cyber-aware nations, commits to a framework of national partnerships, fosters cyber awareness and resilience, and seeks to strengthen governance and legislation.
“A burglar is just as likely to break into a computer system today as through a smashed window. “Just about every business with a physical shopfront has an alarm and takes security precautions, but not every business is aware of cyber security and many are sadly at risk of attack.” Ms Carnell cited the Norton SMB Cyber Security Survey, which showed 19 per cent of respondents had experienced a cyber attack. The survey also found that 24 per cent of Australian small-medium enterprises did not have an internet security solution. “Small business owners need to accept responsibility for their own cyber security, just as they would for the physical security of themselves, their staff and their property,” Ms Carnell said.
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“A 2017 Budget initiative provides $15 million in funding for a small business cyber security program. “Grants of up to $2100 will be provided to co-fund small businesses to have their cyber security tested by approved service providers.” For people who may not be technologically savvy, Ms Carnell said the support systems could be difficult to navigate. “Cyber crime is going to become more sophisticated and more disruptive,” she said. “Small businesses need to be vigilant and take sensible precautions. Authorities need to be agile and supportive.”
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30 Money
Saving TIPS Money never seems to go as far as it used to. Basic services are rising and most Australian families are doing it tough. We are all looking for any way to save a few dollars here and there. So here are a few to get you started. 1. Join your local library to access free books, DVD’s and games for you and the littlies 2. If you like going to the movies, cinemas usually offer a cheap night or join a loyalty program at your local cinema to cash in on discounted tickets 3. When using fresh herbs, stored the chopped remainder in ice cube trays with a little water. Pop them frozen into stews, casseroles and soups 4. Use the coupons in the back of the shop-a-dockets to save money on everything from ten pin bowling to carpet cleaning and two for one meals 5. Once a week, cook up some easy meals to freeze into portion sizes. This way, you always have meals on hand for when you don’t feel like cooking or you are short on time, reducing that chance of splurging on takeaway 6. Buy and freeze bacon when it is on special. It freezes well and can be used in so many recipes 7. Get your friends together and have a clothes swap night. You can have a whole new wardrobe for no cost and you get rid of your unwanted clothes 8. Walk wherever you can to save money on petrol. Park your car a couple of blocks from school and walk your kids back to the car. Great way to get in some exercise as well 9. If your family loves juice, empty half of the bottle into an empty one and fill it with water. The juice lasts twice as long and there is less sugar in the juice 10. When you have left over shepherd’s pie or bolognaise, put them into puff pastry triangles and bake in the oven til golden. You get two different and yummy meals out of the same ingredients. As a cheap dessert, fill with canned fruit 11. Keep your leftover bread crusts, tear into cubes and freeze them for croutons for soups 12. For a nice cheap breakfast alternative, make French toast, yummy and cheap 13. Take advantage of the local parks and beaches for free family fun 14. At some parks they have gym equipment, you can use this and save on a gym membership
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15. Make homemade gifts using your kids’ artwork or take advantage of online photo shops like snapfish for great gift ideas 16. To save money on clothes, check the clearance racks and buy the next size up for you or your kids. You can save a small fortune 17. For more cheap clothing options, visit your local op shop. You can get great bargains and sometimes even new clothes 18. For an inexpensive and chic way to update your kitchen, buy mismatched crockery from a second hand store 19. Join a website like freecycle that recycles goods. You can request something that you’re looking for or post something you want to get rid of. No money changes hands, it’s all free 20. Join a toy library, usually for a small fee and supply your kids with a great and ever changing range of toys 21. Make your own kids activity books by downloading and printing free colouring and puzzle pages. Staple them together and you have a free activity book for them. Disney also offers some free colouring in pages 22. Most libraries have a weekly story-time where you can go and listen to a story, meet you people and play in their toy room afterwards 23. For a fun and cheap craft idea, fill cheap spray bottles with watered down paint and spray onto a white sheet or butcher paper. Adjust the nozzles to make different patterns 24. Make your own wrapping paper by having your child paint onto butcher paper 25. Use eBay to buy cheap toys and clothes. You can also use it to make a little money cleaning out your unwanted things 26. Save money in winter by using flannelette sheets and a hot water bottle rather than an electric blanket to warm your bed 27. Buy your batteries in bulk. Work out what size your remotes and toys take and save money by buying in bulk 28. When your towels are no longer fluffy, cut then into squares and use for face washers or cleaning rags 29. Invest in ice-cream moulds for the freezer and make your own icy poles for the kids. Use water with sliced fruit or watered down juice or cordial 30. Get a few friends together and buy food items such as meat, fruit and vegetables and pantry staples in bulk to bring down the price
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Home
When does your Hobby become a BUSINESS?
Many creative businesses start off as hobbies. Sewing clothes for your own children, making jewellery, scrapbooking and card making, propagating and growing your own plants, the list goes on. Every hobby has the potential to be a successful business. But… when does a hobby become a BUSINESS! A hobby is any regular activity or interest that is done for pleasure, typically, during one's leisure time. By definition, if you are selling the product of your hobby, you then have the intention of being a business. Intention and if you are going about your activity or interest in a business-like manner is what defines ‘running a business’. Let’s take a closer look A hobby is where the main return is enjoyment and not making an income or profit. You might be making pretty hair accessories for your children, family and friends. Yes you sell them, but there is no organisation. You make one and sell it ad hoc to a person you know well. Your hobby becomes a business when you get organised. Maybe you have an ebay or other online store, selling via your Facebook Page or at Markets. You have the intention to make an income or a profit.
If you have just discovered you are running a business and not just enjoying a hobby, you have two options. Option 1 - take a few steps back and just enjoy your hobby, you don’t want the hassles of running a business. Option 2 - Get organised, you have a business on the road to becoming successful. Register a business name, ABN and Tax File Number. Open a bank account in your business’ name and maybe a Website too. Did you choose Option 2? Congratulations. I know you are starting to think ‘GST’. Not to worry. If you are just starting out, you don’t need to be registered for GST. Only businesses over a specific income/profit threshold need to worry about GST unless your customers are Council or Government. Once your business grows and becomes successful, you may need to revisit the GST issue, but your Accountant will be able to advise you best. Get more information on our GST, PAYG & BAS article on page 24. Welcome to the world of small business and WAHPs. If you would like some more tips on setting up and running a small business Visit our Facebook page (www.facebook.com/wahpp), network and ask questions.
Yikes… I am a Business WAHP Business Australia
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Recipes
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Published by WAHP Business Australia
Recipes
Quick Filo Fish Pie Preparation Time: 10 minutes Serves: 4
Cooking Time: 30 minutes
Ingredients 1 cup (250ml) milk
2 x 150g hot smoked salmon fillets,
2 eggs, lightly beaten
flaked
1 tbsp dill, chopped
1 cup (120g) frozen peas, thawed
1/2 cup (140g) Greek Yoghurt
1 baby fennel bulb, finely chopped
1/2 tsp smoked paprika
8 sheets filo pastry
16 green prawns, peeled/deveined
100g unsalted butter, melted Lemon wedges, to serve
1 2 3 4 5
Preheat oven to 180C Combine milk, eggs, dill, yoghurt and paprika in a bowl. Divide the prawns, salmon, peas and fennel among four 350ml ovenproof dishes, then pour in the milk mixture. Lay 2 sheets of filo on a clean work surface. Brush with butter, then scrunch together and lightly place on top of a pie filling. Repeat with remaining filo and pies. Bake for 30 minutes or until pastry is golden and crisp, and prawns are just cooked. Cool slightly. Serve pies with lemon wedges.
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Recipes
Source: www.taste.com.au
Recipe by: Coles
Easy Beef Stroganoff Ingredients 2 tbsp olive oil 500g Beef Stir Fry Strips
1
Heat half oil in large frying pan over mediumhigh heat. Cook beef in 2 batches for 3-4 mins till lightly browned. Transfer to a plate.
2
Cook onion, stirring for 3-4 mins till softened. Add mushroom and cook, stirring for 2-3 mins till mushroom is lightly browned.
3
Stir in recipe base and herbs. Bring to boil. Return beef to pan. Reduce heat to low. Bring to simmer. Cook, stirring occasionally for 8-10 mins till beef is tender. Add sour cream and cook for 1 min till heated through.
4
Cook pasta in large saucepan following packet directions or until al dente.
5
Divide pasta evenly in serving bowls. Top with stroganoff and sprinkle with chives. Season. Serve with carrots and broccolini.
1 brown onion, finely chopped 200g button mushrooms, sliced 175g pkt M/food Beef Strognoff Recipe Base 2 tsp Italian herbs 2 tbsp light sour cream 375g Fettuccine 2 tbsp chopped chives steamed dutch carrots, to serve steamed broccolini, to serve Page 40
Published Published by WAHP by Goodnight BusinessPublishing Australia
Recipes
Source: www.taste.com.au
Recipe by: Coles
Slow-Cooker Sticky Citrus Chicken
Ingredients
1
1.8kg whole chicken 1/5 tsp ground paprika 1 orange, quartered 6 fresh thyme sprigs 1 cup chicken stock 1 brown onion, chopped 1 bunch dutch carrots, trimmed 1 bunch broccolini, trimmed 1/2 cup orange juice 2 tbsp honey 1 garlic clove, crushed Crusty bread, to serve
2
WAHP Business Australia
Pat chicken dry with paper towel. Tuck wings under, tie legs together . Rub chicken with paprika, season with salt. Squeeze orange quarters into 5 ltr slow cooker. Add squeezed orange quarters, thyme, stock and onion to slow cooker. Top with chicken. Cover. Cook on HIGH for 3 hours 30 minutes or until chicken is almost cooked through.
3
Add carrots, cook on HIGH for 15 minutes. Add beans and broccolini. Cook for 15 minutes or until chicken is tender and cooked through. Turn slow cooker off. Rest for 15 minutes.
4
Place orange juice, honey, garlic and remaining paprika in saucepan over low heat. Cook for 1 minute till honey dissolves. Increase heat to medium-high heat. Cook, without stirring for 4 minutes till mixture thickens.
5
Transfer chicken and vegetables to a large serving platter. Drizzle honey glaze all over chicken. Sprinkle with extra thyme. Serve with bread. Page 41
Recipes
Source: www.taste.com.au
Warren Mendes/Ben Dearnley
Broccolini and soba noodle
Source: www.taste.com.au
Roasted Muchroom and
Haloumi Salad with Lentils
salad with wasabi dressing and ginger salt
Ingredients
Ingredients
400g can lentils, rinsed, drained 250g haloumi, thinly sliced 4 portobello mushrooms, no stalks Olive oil, to drizzle Juice of 1 lemon 200g green beans, trimmed/blanched 150g mixed salad leaves (mesclun) 2 tsp pink peppercorns, lightly crush Spinach Pesto 1/3 cup (25g) grated parmesen 50g baby spinach leaves 1/2 cup (50g) walnuts, chopped 2 garlic cloves, crushed 100ml extra virgin olive oil
2 eggs 2 bunches broccolini, sliced long 1 cup (120g) frozen edamame thawed/podded 2 tbsp soy sauce 1 tbsp peanut oil 1 tsp wasabi paste 1 tbsp mirin 1.5 tbsp sea salt 2 tsp ginger - finely chopped 180g soba noodles (cooked as packet) 1 avocado - sliced
1 Bring eggs and cook for 6 minutes, drain and 2 3 4 5
then peel eggs, then set aside. In separate saucepan, cook broccolini until just tender. Add edamame and cook until warmed through. Drain and set aside. To make dressing, whisk soy sauce, peanut oil, wasabi and mirin in bowl until combined. Set aside To make ginger salt, place salt and ginger in a bowl, rub together with fingers to combine. Place soba noodles, broccolini and avocado in bowl, drizzle with wasabi dressing. Cut eggs into quarters, place on top of noodles. Sprinkle with ginger salt to serve.
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Warren Mendes/Petrina Tinslay
1 Preheat oven to 200C. Line baking tray with
2 3 4
baking paper. Place lentils in a pile at end tray, place haloumi slices and mushrooms, stalk-side up, at other end. Drizzle with oil and season. Roast until mushrooms are tender, haloumi is golden and lentils are crisp. Remove tray from oven. Set aside. Meanwhile, for pesto, combine all ingredients in food processor and whiz to smooth paste. Set aside. Pour roasting juices from mushroom cups into small bowl. Add lemon juice, whisk to combine to make dressing. Slice mushrooms. Combine mushroom, beans, leaves, haloumi and lentils in bowl. Drizzle with dressing, spoon over pesto and scatter with peppercorns to serve. Published by WAHP Business Australia
Recipes
Source: www.taste.com.au
Potato and Bean salad with Lamb skewers
Ingredients 1kg spudlite potatoes, thickly sliced 150g green beans, trimmed lengthways 1kg diced Lamb 1 tbsp olive oil 1 garlic clove, crushed 1/2 tsp crushed peppercorns 1/3 (95g) tzatziki dip 1/3 cup (35g) flaked almonds, toasted
1 Cook potato saucepan for 13 mins. Add green
bean, cook for 2 mins until potato and bean are tender. Refresh under cold water. Drain. Combine lamb, oil, garlic and peppercorn in
2 shallow ceramic or glass dish. Thread lamb onto
12 metal or soaked bamboo skewers. Preheat barbecue grill or chargrill on high. Cook lamb, turning occasionally for 6 mins for medium or until lamb is cooked to your liking.
3
Divide potato mixture among serving plates. Combine tzatziki and 2 tbsp water in small bowl. Drizzle evenly over potato salad. Sprinkle with almonds. Season. Serve with lamb skewers.
Source: www.taste.com.au
Healthy Pumpkin and Carrot Ball Salad
Ingredients
500g diced pumpkin 1 large carrot, grated 1/3 cup sultanas 250g pk brown and quinoa rice mix 1/4 cup fresh chives, finely chopped 1/2 tsp garam masala 80g low-fat fetta, crumbled 1 tbsp sesame seeds olive oil cooking spray 2 tbsp orange juice 2 tbsp white wine vinegar 1 small red onion, thinly sliced 2/3 cup plain Greek yoghurt 120g pk superfood leaf mix 1 avocado, sliced 1/4 cup walnuts, taosted 1 small red capsicum, chopped
1 Preheat oven to 220C/200C fan-forced. Line
baking tray with baking paper. Place pumpkin in microwave-safe bowl, cover with plastic wrap. Microwave on HIGH for 6 minutes. Drain. Mash. Stir in carrot, sultanas, rice mix, chives, garam masala and fetta. Season.
2 Roll mixture into 3cm balls. Place on tray, spray with oil and sprinkle with sesame seeds. Bake for 15 minutes or until just browned. Cool 5 minutes.
3 Combine orange juice, vinegar and red onion in bowl. Season. Stand 15 minutes.
4 Drain onion, reserve vinegar mixture. Stir vinegar
WAHP Business Australia
mixture into yoghurt. Arrange pickled onion, salad mix, avocado, walnuts and capsicum on serving platter. Top with balls. Drizzle with yoghurt dressing. Serve. Page 43
Recipes
Source: www.bbcgoodfood.com
5 m i n u te s g l u te n -f re e
M o l te n C h o co l ate M u g C a ke Ingredients 1/4 cup Macadamia meal 2 tbsp Dutch cocoa powder 2 tbsp caster sugar 1.5 tbsp coconut oil (room temp) 1 egg 1 tbsp milk 1 tbsp Nutella Icing sugar, to dust Vanilla ice-cream, to serve
Page 44
1
Combine macadamia meal, cocoa and sugar in bowl. Add coconut oil, egg, milk and mix till smooth.
2
Spoon 3/4 of mixture into 310ml microwave safe mug. Spoon Nutella into centre and cover with remaining cake mixture.
3 4
Microwave on high for 1 minute. Serve sprinkled with icing sugar and topped with vanilla ice-cream. Take care, as cake will be hot.
Published by WAHP BusinessPublishing Australia Published by Goodnight
Recipes
Source: www.taste.com.au
B a n o f fe e M e r i n g u e M e s s Ingredients 1/2 cup toffee dessert sauce 2 large bananas, thinly sliced 8 pavlova nests, broken up 300ml thickened cream (whip) Grated dark chocolate, serve
WAHP Business Australia
1
Microwave sauce on HIGH for 10 seconds or until just heated through, but not hot.
2
Toss banana in sauce to coat. Fold meringue and cream together until just combined.
3
Spoon half banana mixture between 4 x 1.5 cup-capacity serving glasses.
4
Top with half the cream mixture. Repeat layers. Sprinkle with chocolate. Serve.
Page 45
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