November 2016 issue - WAHP Business Australia by WAHP Business Australia

Business

home

Keep it in the Family

Is there an Entrepreneur gene?

marketing

November/December 2016

4 Steps to Create a Funnel

Business

How to Engage a VA

TECHNOLOGY

IT Setup for Small Businesses

money

Bank Satisfaction Who gets your vote?

WAHP Business Australia

Showcasing Australian Small Business and Work At Home Parents

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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 bi-monthly digital magazine published Australia-wide and available online.

Connect with us on Facebook - @wahpp

Contributors Carlene Cordona-Elvy South Sydney Virtual Assistant Veena Gandhi - Social Freak @ Digital Street Felicity Harris - Dream Learn Earn Katherine Hawes - Digital Age Lawyers Jeanne Cotter - Sassy Branding Ryan Shelley - Pepper IT Kath Banning - Health Coaching Helen Dayman – WAHP Business Australia

Graphic Design Goodnight Publishing

Advertise your Business Display Advertising Editorial (two page spread) Full - Half - Quarter Page Product Catalogue

Submit an Article or Advertise e wahpbusiness@gmail.com

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WAHP Business Australia November/December 2016

Editor’s Letter

Business

Feature - Carlene Cardona-Elvy Feature - Fiona & Matthew Willmott Feature - Christina Schirripa November 2016 Cover Page & Finalists How to Engage a Virtual Assistant Leadership - Does it scare you? ACCC enforce New Law

4 5 6 8 10 12 14

Marketing

4 Steps to Create Sales Funnels 16 3 Easy ways to get your Brand out there 20 Legal Do’s & Don’ts of growing your 22 client database

Money

Guarantees & Refunds Workshops: Sources of Startup Funding Bank Satisfaction - Who gets your Vote? Australian Banks -vs- Apple Payment Options for your Business

Technology

IT Setup for Small Businesses Data Awards 2016 Data Innovation - Micro/Small Business

Home

24 25 26 27 28 30 32 33

Bacteria as Brain Food Keep it in the family - Is there an Entrepreneur gene? Youth Unemployment vs Entrepreneur

Recipes

Product Catalogue

36 38

This months hot products Published by Goodnight Publishing

Editor’s Letter

Welcome to our November/December issue of WAHP Business Australia magazine. This is an extremely busy time of year as our businesses are launching into the Christmas rush. 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. Like all small businesses we are often impacted by health and family concerns. We missed our September issue due to family illness. Although I have to say we are making up for it with this issue. 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! There have been some interesting developments on the financial scene with the recent US Presidential Election. The ACCC has introduced new laws on unfair business contract conditions (p14), as well as cracking down on consumer guarantee and refunds (p24). Are you ready for 2017? We have a variety of articles to help you get focussed and on track for the New Year. In Marketing, Katherine Hawes from Digital Age Lawyers introduces Legal Do’s & Don’ts of growing your Client database; Jeanne Cotter from Sassy Branding shares 3 Easy ways to get your Brand out there; and Felicity Harris from Dream Learn Earn outlines 4 Steps to create a Sales Funnel. In Business, Carlene Cardony-Elvy from South West Sydney Virtual Assistant gives a few tips on How to Engage a Virtual Assistant; and Veena Gandhi from Social Freak @Digital Street introduces Leadership - Does it scare you?. In Technology, Ryan Shelley from Pepper IT suggests some tips for an IT Setup for Small Businesses; and in Home, Kath Banning Health Coach informs us on healthy eating wtih Bacteria as Brain Food. Plus many more articles. We also have a delectable selection of recipes to tantalise your taste buds. Of course standard in every issue from our very first, is the Product Catalogue showcasing your products. Read on and enjoy this issue. WAHP Business Australia magazine is now bi-monthly. The next issue will be out on 15th January, perfect timing to get a head start on the New Year. Interested in showcasing your business, advertising deadline for the next issue is 15th December. Promote your business from as little as $20 in the Product catalogue; $50 - quarter page; $70 - half page; and $100 - full page. As always we keep our rates low to support Work at Home Parent businesses. Are you an expert in your field? You are welcome to contribute articles. This wraps it up for this issue and I am always very excited to get your feedback.

Helen Dayman Editor

WAHP Business Australia

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Business Feature Carlene Cardona-Elvy started operating South West Sydney Virtual Assistant in June 2015. Not knowing how quickly she would begin to find clients, Carlene had her first two clients by the end of June. A resident of Campbelltown region since 1982, Carlene wanted to incorporate the region into the business name. South West Sydney Virtual Assistant was born. Like most Virtual Assistants or VAs, Carlene’s business is not a bricks and mortar business. She works virtually and because of this, most VAs don’t stipulate where they are based. It’s all in the name and Carlene’s clients know exactly where she is based, in South West Sydney.

South West Sydney Virtual Assistant Carlene offers this advice: “Take a leap of faith and understand that you can’t do everything. Your time is better focussed on your core business – your clients and building your business’ sales/ profit. Spending time on mundane administration work doesn’t help your bottom dollar. Outsourcing to a Virtual Assistant instead of employing staff may work out cheaper in the long run. You only pay for hours actually worked.”

Family was the guiding force and main reason for Carlene starting her business. She needed work that was a flexible fit with family life. The decision was made when her second child was rushed to hospital at 8 weeks old. 20 years of administration and managerial skills steered her to start South West Sydney Virtual Assistant. Giving away her job of 7½ years to focus on her business and family is a decision that Carlene has never regretted. Networking is an integral activity for many small businesses. Carlene is an active networker and her business is also associated with VA specific networks – Virtually Yours, AVACOE and AVAA. Carlene is also an active member of Western Sydney Women. As a Chapter Host in South West Sydney Region for Start Up Mum, hosting meetings once a month for local business mums to network in child friendly environments. As a Virtual Assistant, Carlene has a wide variety of skills. Social Media Management is one of the most in demand skills by business clients. Most are small businesses that spend a significant time away from their office. Social Media is easily outsourced and Carlene ensures that their business’ focus is on connecting and engaging with their audience. Tasks may include scheduling daily posts, interact with their audience and advertising their business through local community groups on Facebook. Many businesses also require general administration work like document processing, database management and website administration.

Do you think your business could benefit from engaging a Virtual Assistant? Have a chat with Carlene Cardona-Elvy at South West Sydney Virtual Assistant. Website: www.swsvirtualassistant.com www.facebook.com/swsvirtualassistant Email: carlene@swsvirtualassistant.com

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Phone: 0412 880 875

There are lots of benefits to engaging a Virtual Assistant for your business. Carlene’s belief is that if you as a client trust her to do your work, then ultimately she is representing your business. In turn, she also trusts your business as her client to pay her on time. How does this work? Carlene charges her client’s after the work is done. NO upfront blocks of hours or packages purchased in advance. You only pay for the work completed by South West Sydney Virtual Assistant. There are also incentive discounts offered for ongoing work.

Are you ready to make the leap and engage a Virtual Assistant for your business? Published by Goodnight Publishing

Trench Safe Pty Ltd Plug Mate

Business Feature

Fiona and Matthew Willmott first started their business Trench Safe Pty Ltd in 2010. Their business has grown to the point where they are now able to give back. Their choice of charity is beyondblue. Why beyondblue? While serving in the Royal Australian Air Force, Matthew sustained a head injury which caused him to be medically discharged. This began a roller coaster ride of medication and treatments. The support and encouragement from organisations like beyondblue has helped Matthew find a balance in his daily file. They are now at that point where they feel it is time to give back.

This support needs to continue, so we are donating one third of our retail sales to beyondblue. Back to their business name – Trench Safe Pty Ltd. The business name came from their original product idea, a small width site safety cover for Trenches. Unfortunately, Matthew and Fiona found they couldn’t compete with cheap Chinese imports. It didn’t take long until they revised their product range, changing it to what it is today. After constantly having problems in their landscape business with site safety and tool damage, a search began. They searched Australian markets for products. They could not find a suitable product, so the easiest solution was to do it themselves. Trench Safe Pty Ltd’s most popular product is the Plug Mate. This product was invented by Matthew Willmott when he needed a solution to an everyday problem. Being in the landscape and property maintenance business, he got sick of his labourers mistreating tools. They were constantly bending and breaking the pins on them when putting them back into the toolbox or ute. After looking for a solution and finding none, the Plug Mate was born. It didn’t take long before Fiona also found them useful at home and in the office just as much as Matthew does for his tools. The Plug Mate simply slides onto the end of your power lead plugs to prevent pin damage caused by dropping heavy tools or accidentally stepping on them. Pin damage that is costly to repair and can occur when you’re not even looking. Plug Mates are inexpensive, durable and come in awesome bright colours so they’re easy to find. Matthew and Fiona Willmott’s support for beyondblue means that one third of their regail sales goes to this charity. $5 from the sale of every 10 pack (RRP $15) and $10 from the sale of every 25 trade pack (RRP $30) is donated to beyondblue.

WAHP Business Australia

All products are proudly made and packaged in Queensland. Yes a home grown Australian product. Trench Safe Pty Ltd’s most popular product is the Plug Mate. This product was invented by Matthew Willmott when he needed a solution to an everyday problem. Being in the landscape and property maintenance business, he got sick of his labourers mistreating tools. They were constantly bending and breaking the pins on them when putting them back into the toolbox or ute. After looking for a solution and finding none, the Plug Mate was born. It didn’t take long before Fiona also found them useful at home and in the office just as much as Matthew does for his tools. Added benefits to customers are quality at a bargain price. Save on repairs or replacement costs as well as downtime due to broken plug pins. Find out more about the Plug Mate, Trench Safe Pty Ltd and beyondblue –

Trench Safe Pty Ltd

Web – www.trenchsafe.com.au www.facebook.com/trenchsafe www.twitter.com/trenchsafe Fiona Willmott Matthew Willmott Ph: 0488 676782 Ph: 0438 114757 Email: fiona@trenchsafe.com.au

For more information on beyondblue go to www.beyondblue.org.au Page 5

Business Feature Christina Schirripa doesn’t have a business. Christina’s focus is on helping others through her fundraising efforts.

Fundraising by Christina Schirripa

Many micro and small businesses now regularly contribute a portion of their profits to charitable organisations. How long have you been fundraising? I have organised fundraising activities for as long as I can remember. My mum always loved giving back and that trait sort of followed through with me. It became more serious the last couple of years when I felt I wanted to do more. In 2014 and 2015 I did fundraisers for the Cancer Council. Both were out of home and respective raised over $2,500 and $15,000. This year, I chose to fundraise for beyondblue as I had previously been affected by mental illness and made several attempts on my own life. I felt, working with something I am passionate about and that I am affected by, is where I could make the biggest change in society. What inspired you to fundraise and using this format working with businesses? I work a full time job and fundraising is on the side, I do not get paid to fundraise. I do it because I love it, even though it can get chaotic at times. I want to see a change where mental health is concerned. The more I do this in years to come, the more I want to share more of my story with the world and even publish a book one day. There is so much of a stigma still with it. My goal is to bring it to the forefront, just like Cancer, heart disease, kidney failure, diabetes and other medical conditions that people don’t bat an eyelid towards. While I am behind the scenes and my name is on the emails, I rely on businesses to contribute to the event for it to be a success. So I have both big and small businesses supporting the event and without them it wouldn’t be a success. It can be from the venue waiving a hire fee and providing discount on food, a baker providing cupcakes and a variety of businesses donating vouchers, hampers and more to support the event. Of course they get promoted as a thank you and it all swings in roundabouts. Without a venue, or prizes there would be no event. The generosity from businesses is so overwhelming. This year I had over 300 support the cause! Page 6

Can you share the amounts raised this year or last year? In 2014 we raised around $2,500 and last year just under $16,000. This year, we are still calculating it all but at this stage it appears to be over $10,000. You bring together many businesses to help in your fundraising efforts. Are you looking at local ones or can be Australia wide? Many businesses in fact are from Melbourne and throughout Victoria which is where I am personally based as is the event. Having said that I have many from interstate also that participate and I do welcome all businesses Australia wide to take part and support if they are able to. What I love about this is that because of my fundraiser some businesses have received extra traffic and interest to their business, I have met some wonderful people I call friends I wouldn’t have otherwise and I also have come across businesses I wouldn’t have. Some I now purchase from as a regular customer on a personal basis. Published by Goodnight Publishing

Business Feature Do you work with specific charities or does it change each year? Are they chosen because of a personal connection? The last two years were for the Cancer Council and this year is for beyondblue. I plan on aligning myself to beyondblue due to mental health and how it has affected me. Beyondblue is the Australian national organisation for mental health and work hard to do campaigns and initiatives and the support services they provide are nothing short of amazing. I am here today because of the support I receive from loved ones and organisations like beyondblue and unfortunately there isnâ&#x20AC;&#x2122;t enough fundraising and funding for mental health. This is also a reminder that I do not work for beyondblue, I just support them by holding a fundraiser which raises money for them. What types of fundraising events do you hold? In 2014 I started small, I had about 20-25 close family and friends come to our home for a Girls Night In event and we had a small silent auction, yummy food and goodie bags. Last year, I ran an event at home at lunch time, it was the Cancer Council too and we raised just under $16,000. This also included a public online auction. This year, I incorporated more fundraising activities â&#x20AC;&#x201C; selling the Entertainment Books, 3 online auctions (possibly a fourth coming up) and of course the main event that was held on 15 October at Milanos in Brighton. This event consisted of a live auction, silent auction, goodie bags, food, hand massages, stalls and more! I look forward to continuing to hold more public events so I can share my story with the public and raise more awareness.

How many businesses joined in your fundraising efforts this year? Over 300 businesses supported the fundraising activities this year. What are your plans for 2017? My plans for 2017 are that I hope to hold another fundraiser event and make it bigger, better and more money raised. The type of event is still to be determined and the exact location but possibly a similar event to this year. I have built relationships with the business supporters and I am looking forward to continuing that. It is exciting when some have already let me know they wish to partake again and the feedback from guests that attended this year has been amazing. I am always on the lookout for new business supporters and while I am not looking for any right now, I will be, so if you are interested when the time comes and I am organising next yearâ&#x20AC;&#x2122;s event, please email me below and I can add you to the list. For now though, I will enjoy a short break to debrief and reflect on this years event before planning the next. Lastly, I just want to say a huge thank you to my partner Damien and my Mum who are both amazingly supporting and I cannot thank enough. I also had a lovely friend Janice and a couple of others support me by helping out in the lead up and at the event and post event. It really becomes a big team effort! For more information FB: www.facebook.com/FundEventsChristina E: fundraisingeventsbychristina@gmail.com Subscribe to newsletter http://eepurl.com/bRky1z

Business

November 2016 - Cover page Michelle Keefe Speed of Life Coaching Page 8

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Business

Finalists

Crystal Wong Calico Babies

Carlene Cardona-Elvy South West Sydney Virtual Assistant

Hollie Bell Anti Grabbity BizzTools Seam Allowance Guide

Linda Reed-Enever Media Connections WAHP Business Australia

Annaliese Allen Honeybell Waterwear Page 9

Business

As a business owner, sometimes you spend more time doing tasks that take you away from your core business.

First Step:

You may think, “I do have to get this stuff done”. Although, you could be placing your focus in the wrong area of your business.

• Document Processing (typing letters, excel spreadsheets etc) • Social Media (scheduling and posting to your various social media accounts) • Database Management • Data Entry • Campaign Marketing • Website Administration • Accounts

That’s where a Virtual Assistant (VA) can become a valuable resource to your business.

But why a VA? Why don’t I just hire a part time or full time employee who can do all this for me? True, sometimes you do need to have someone physically at your place of business to do the work for you. However most of the time, your administration tasks can be done remotely. Where do you find a VA? The VA industry is booming, and there are many virtual assistant professionals to choose from. It is more important to choose someone who fits with your business and work needed to be carried out.

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Assess how much time you are spending yourself doing tasks such as (but not limited to):

Record how much time it takes you to do these tasks each day, each week. The number of hours you spend may shock you. This will give you an indication of how many hours a week you are not spending on building your profits, servicing your clients and customers.

Second Step:

Once you have worked out how much time you do spend on these tasks, ask yourself, what kind of budget do you have? You may see the hourly rate of a VA and want to run for the hills. It’s important to remember, that VAs are business owners too. So our hourly rates cover our own taxes, superannuation and equipment costs etc. The average rate for a professional Virtual Assistant is $35.00 per hour. The rates may vary, but some virtual assistants offer specialised services. Published by Goodnight Publishing

Business

How to engage a Virtual Assistant Third Step:

You could google search for a VA, one of your best starting points is to access a VA via one of the Virtual Assistant Networks available in Australia.

To help you in your search for a Virtual Assistant, here is just a few to get you started:

Using one of the VA Networks, you can place a job request.

http://www.virtuallyyours.com.au/

Qualified VAs will respond with their background, expertise, hourly rate, also giving you the option to choose which VA fits your business and budget.

Virtually Yours -

AVACOE (Australian Virtual Assistants Centre of Excellence) http://www.avacoe.com.au

A Claytons Secretary – VA Directory http://www.vadirectory.net/

Once you have found your Virtual Assistant, it’s important to: • Accurately outline all work required to be completed. • Outline any timeframes or deadlines for work to be completed.

Your Virtual Assistant will work in with you and your business requirements. Your Virtual Assistant will become your business’ best asset and your best decision.

Administration Outsourcing & Office Support Solutions for Sole Traders & SME's Call Carlene today on 0412 880 875 Email: carlene@swsvirtualassistant.com Web: www.swsvirtualassistant.com or Find me on Facebook

Carlene Cardona-Elvy South West Sydney Virtual Assistant www.swsvirtualassisant.com WAHP Business Australia

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Business

Veena Gandhi Social Freak @Digital Street http://veenadigitalstreet.wixsite.com/veenagandhi

Leadership

Does it scare you?

So you have finally made that big jump in your career. You are a LEADER; leading a team. A role most people would give their right arm for. The initial euphoria has now turned into fear. You have realised being a leader, after all is not so easy. Leadership roles often overwhelm a large number. As a team member, you worked according to a set protocol, but when you reach the next level and manage a team under you, you are given new responsibilities to consider and implement. This often leads to self-doubt amongst many new leaders. Just like most of us have stagefright, before a big performance, a leader can also feel apprehensive and scared when they get into a new role.

So the next time fear of leadership gets your pulse racing, just take a deep breath and keep calm. The following common fears that you might face as a leader are listed below with a few tips on how you can get the better of them: 1. Brickbats and bouquets

Criticism, whether good, bad or ugly, is something that goes hand-in-hand with the new job role, as a leader. In a leadership role, it is assumed that you will be an expert in almost everything. Unfortunately, your shortcomings will be highlighted more than your capabilities and skills. Your decisions might be questioned silently or loudly. So what exactly you can do here?

2. Fear of Failure

Constant fear of failure can drive you up the wall and sap your positive energy. Being afraid to fail makes you fear other people’s opinion of you. The fear of failure leads to insecurity and self-doubt. You start questioning your own skills. Worse, this leads to lack of creativity and imagination. Being afraid to fail makes you fear to pursue the future you desire. You can’t run away from failures. So, what exactly can you do?

Suggestion: Don’t let criticism get the better of you. Take each criticism as a motivating force and make it a learning experience.

Suggestion: Leadership is a state of mind. As a first step, learn to stay calm and stop judging yourself too harshly. Interact with your team members on a regular basis to understand their mind-set. Keep the organization’s goals in your mind, learn from other leaders, get to know what tactics and strategies they are following and create yours.

You can get feedback from your team members to know if your new policies are being accepted well. Encourage a dialog with your team members and be open to taking their feedback.

This is a crucial phase, so spending time with friends and family becomes important. Lean on any family or friend, who you think can offer you guidance or be simply your pillar of strength.

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3.Adapting to change

Being in a new leadership role means that you are out of your comfort zone now; leaving behind a team that you used to work with, a job profile you had mastered. New challenges that question your very existence in an organization are thrown at you every minute. You were used to working in a particular style and now it’s all changed. A huge change often overwhelms us; takes us by surprise and can cause anxious situations. Suggestion: It’s fine to ask for assistance. Be discreet if you want to be. No one built anything on their own and certainly not overnight. As the cliché goes, ‘Rome wasn’t built in a day’. Similarly, you can’t change others opinions of you overnight. Take up the challenges, but remember to collaborate with your colleagues. Always remember, you can’t do it all by yourself. You need others support in the organization. However, ask for it smartly and not like a newbie.

4. Am I making the right decision?

As a leader you have to constantly make decisions, and make them fast. You may often fear, if your decision is the right one or not? As a leader you are always under the pressure of making quick yet right decisions. This can get taxing and again, self-doubt crops in. Suggestion: Always have your facts and data in place, before you make a decision. Presence of mind and thinking on your feet is important. Herein, the collaboration factor with your colleagues will play an important role. Hear out other team members’ opinions this will help you make a wiser call. This will also encourage your team members and prepare them for future leadership roles. To quote Ralph Nader, “I start with the premise that the function of leadership is to produce more leaders, not more followers.”

Leadership roles are not easy. The choice is yours. As someone rightly said, ‘F-E-A-R has two meanings. Forget everything and run or face everything and rise.’ To rise above your fear, it’s important to understand the root cause of what you are scared of. If you have discovered the cause, you have won half the battle. Identifying and confronting it thereafter, to move to greater heights will instil you with a new self-confidence. Try it out! What fears have you faced and overcome as a leader? What techniques have you used to overcome them? WAHP Business Australia

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Business

12 Nov 2016

ACCC enforce New Law - Unfair terms in Small Business Contracts The law will apply to a standard form contract entered into or renewed on or after 12 November 2016. If a contract is varied on or after 12 November 2016, the law will apply to the varied terms. Contracts covered include those between businesses where one of the businesses employs less than 20 people and the contract is worth up to $300,000 in a single year or $1 million if the contract runs for more than a year. Standard form contracts provide little or no opportunity for the responding party to negotiate the terms – they are offered on a ‘take it or leave it’ basis. The law sets out examples of contract terms that may be unfair, including: • terms that enable one party (but not another) to avoid or limit their obligations under the contract • terms that enable one party (but not another) to terminate the contract • terms that penalise one party (but not another) for breaching or terminating the contract • terms that enable one party (but not another) to vary the terms of the contract. Only a court or tribunal (not the ACCC) can decide that a term is unfair. However, if a court or tribunal finds that a term is ‘unfair’, the term will be void – this means it is not binding on the parties. The rest of the contract will continue to bind the parties to the extent it is capable of operating without the unfair term. “Businesses should be aware that from Saturday the ACCC is moving from its education phase to an enforcement approach where we will be targeting unfair contract terms,” ACCC Deputy Chair Dr Michael Schaper said.

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“Positive engagement with the ACCC over the last year has seen businesses such as Australia Post, News Limited, Optus and Scentre Group (Westfield) amend or remove contract terms that may have been problematic when the new law commences.” “Small businesses sign an average of eight standard form contracts a year and from November 12 these contracts will be covered by a law preventing unfair terms in contracts that are offered on a ‘take-it or leave-it’ basis.” The ACCC has identified three types of problematic terms as being widespread and likely to cause concern. “Terms that give one party an unconstrained right to unilaterally vary key aspects of a contract, that unfairly seek to shift liability from the contract provider to the small business or that provide unnecessarily broad termination rights will almost always raise concerns about unfairness. Businesses that rely on these types of terms should be aware that they are leaving themselves open to action by the ACCC or another party,” Dr Schaper said. “Businesses should consider whether a contract term creates an imbalance of obligations between the parties, whether it is necessary to protect a legitimate business need, and whether it causes detriment to the other party. Businesses should ensure that potentially problematic terms are only as broad as reasonably necessary to protect their legitimate interests, as terms that grant rights beyond this are likely to be unfair.” The report provides guidance to these industries about these specific concerns, but also serves as general guidance to businesses operating in other industries about the kinds of terms that may be considered unfair. Available Formats - in pdf, word doc or audible pdf http://accc.gov.au/publications/unfair-terms-in-small-businesscontracts

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Marketing

4 Steps to create Sales Funnels Felicity Harris Dream Learn Earn www.facebook.com/dreamlearnearn Page 16

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Marketing

Sales funnels are marketing tools used to generate leads into your business. Consisting of a series of steps, potential customers â&#x20AC;&#x2DC;funnelâ&#x20AC;&#x2122; through to the point where they buy your product. Each step your lead takes in the funnel means they are more likely to buy your product. Instead of convincing people to buy your product, you are attracting people who want your product.

WAHP Business Australia

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Marketing

The first task in creating a funnel is to determine your target market.

Be specific! In the marketing world TALKING TO EVERYONE IS TALKING TO NO-ONE. Determine what causes your target market PAIN. What keeps them up at night? What problem would they pay anything to solve? Often the best people to target are people like yourself. If you have a product or opportunity that solved your problem, you have a story to attract like-minded people.

Does your business need a sales funnel?

Second, you need to create a lead magnet - an irresistible item of genuine value provided to leads in exchange for their contact information.

It must catch attention and address the pain of your target market. The perfect lead magnet will provide value within 5 minutes of opt-in. It must be specific. Only expect to solve ONE problem per lead magnet. Lead magnets may include video training, eBooks or cheat sheets. You can create your lead magnet or you can get lead magnets from other sources. Your parent company might have suitable material for a lead magnet.

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The third task is to set up your funnel. You will need a web interface software to create and host the funnel.

A simple funnel consists of three pages. The Landing page - make your offer which speaks to the pain of your target market. The Opt-In page - the lead enters their name and email address to gain access. Finally, the Thank-you page - where you tell your lead what to do next. Sound hard? Software these days make it easy-peasy. Your funnel also needs an autoresponder - web interface software that manages email addresses you collect. There are many autoresponders available, aWeber is excellent for beginners. Your autoresponder collects emails entered into your funnel and automatically sends email with how to access the lead magnet. You then have that lead email to follow up with.

The final task is to market your funnel. This may be as simple as sharing the landing page link on your blog or social media profile, posting it to appropriate interest groups, or using paid advertising.

Creating effective sales funnels is a learning process. The art is deciding what goes into them, actually building them is surprisingly easy. Whatever strategy you choose, do it consistently for 4 weeks, assess the results, tweak if necessary and repeat. Itâ&#x20AC;&#x2122;s also useful to mastermind your funnel with business groups or colleagues, they might have an idea that improves your results.

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Marketing

WAHP Business Australia

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Marketing

3 Easy Ways

to get your Brand out there To promote any business successfully, the first thing you need to know is who you're talking to. Marketing your product or service to 'everyone' just doesn't work anymore. The clearer you are about who your ideal client is, the easier it is to craft your message. You want to address your ideal client’s needs and wants relevant to what you're selling.

Networking: One of the most effective ways to self-promote is through networking. When I began my business seven years ago, I knew the only way to reach my ideal client on a local level was to meet face-to-face. This way I could connect and build relationships. Make sure you have plenty of business cards that are high quality and professionally designed and printed. There’s no faster way to give a bad impression of your business than by using cheap cards. Only give them out when asked. Don’t shove a business card at every person you meet, it’s not done that way anymore. Networking is no longer about taking and selling. Networking is about giving building relationships. Page 20

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Marketing

3. Websites are necessary for any business

Facebook is my favourite as this is where my ideal client is hanging out. On Facebook I get to chat, comment, talk about relevant events, join groups and meet new people.

Your website is the perfect place to reinforce your brand Use the same logo, colours and fonts all the way through your website. Make sure it’s the same as your social media and printed materials. Remember… consistency is key!

Social Media has been one of the best ways I’ve found to self promote in a visual and social environment. It’s all about conversation, engaging in other people’s discussions and generally being friendly and informative.

Use your business page to inform and educate your followers about your business and services and cross-promote other businesses and people you like.

as this is the first place most people go looking for information and services. If you haven’t got a website, you’re missing out on massive opportunity to connect, promote and build your brand.

It is easy to self promote online and offline with ease and grace. Take one step at a time, commit to consistency, and just be yourself!

Everything is visual and it’s important to make sure that the graphics and images you use on Social Media are branded and consistent with your brand.

Sassy Branding specialises in consultation and design for visual branding for small business. T

Example: Use the same colours and fonts all the time, this will ensure your brand is memorable and easily recognised.

WAHP Business Australia

Jeanne Cotter Sassy Branding www.sassybranding.com

his includes branded graphics for social media, design of ebooks, newsletters, brochures, books, magazines, business cards and everything visual that represents your brand.

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Marketing

Legal

Katherine Hawes Digital Age Lawyers www.digitalagelawyers.com

of growing a Client Database

At a time when digital marketing is a cornerstone to business success, having a well-crafted customer database could be one of your business’s most valuable assets.

There are two types of consent for the purposes of the Spam Act – express and inferred. Express consent involves an act that clearly shows they approve to receive correspondence, such as ticking a tick box or providing a business card.

While the potential rewards of growing your client database could be huge, you need to make sure you follow the rules in your pursuit.

Inferred consent, however, is much trickier as it is assumed from the conduct or relationship of the sender and recipient.

In Australia, customers are protected from unwanted commercial messages through the operation of the Spam Act. Further, social media platforms have their own unique rules for how their sites may be used. This article will guide you through the main legal factors you should consider to avoid facing any costly penalties later on.

It is always best to obtain express consent to avoid any complications. Social Media Rules Social media can be a powerful tool for growing your client database. But it is important that you follow the rules of the particular social media platform through which you choose to promote your business.

The Spam Act The Spam Act 2003 operates across all Australian jurisdictions and prohibits the sending of unsolicited commercial electronic messages known as spam. Spam is defined broadly to include messages that offer, advertise or promote the supply or supplier of certain commercial products and interests.

Facebook is currently the most popular network and has its own stringent guidelines for business promotion. For example, the use of Personal Timelines and friend connections to administer promotions – such as, “share on your Timeline to enter” – is prohibited.

Your obligations under the Spam Act are quite simple.

Read through the policies applicable to you before making any attempts to grow your database.

There are just 3 basic rules you should remember when promoting to your client database:

Need more information? A well-crafted, up-to-date client database is an essential ingredient in the online marketing and sales strategy of any business. If you have any further questions about how you can grow your database legally, or about your business generally, please don’t hesitate to contact me.

1 You need to have the recipient’s consent.

2 You must identify yourself or your business and provide your contact information. 3 Any emails must include an unsubscribe facility so the recipient can opt out of receiving any future emails. Page 22

Katherine Hawes Digital Age Lawyers www.digitalagelawyers.com Published by Goodnight Publishing

Marketing

DIGITAL DEFENCE

PERSONAL BUSINESS LAWYER

PROPERTY PRESERVATION

FAMILY WEALTH PROTECTION

Money

Guarantees & Refunds Is your business at fault?

The race that stops the nation, Melbourne Cup is more than just a horse race. It is an opportunity for consumers to go shopping for that perfect fashion outfit and accessories. Raising the issue of returning faulting clothing, the Australian Competition and Consumer Commission used this recent event to remind shoppers about their consumer guarantee rights. Small business owners should also be aware of consumer guarantee and its impact for their business. “Consumers are reporting to the ACCC that some clothing retailers are displaying ‘No Refunds’ signs or selling sale and clearance items on terms that purport to exclude Australian Consumer Law rights,” ACCC Commissioner Sarah Court said. The ACCC has reported a significant increase from shoppers reporting consumer guarantee issues in the clothing and accessories industry. While this industry has been highlighted, the consumer guarantee applies across all industries. “Consumer guarantees apply to all purchases and cannot be removed or reduced by a business’s terms and conditions. If clothing or accessories are faulty –for example, your fascinator falls apart or the zip on your dress is broken - take them back and use your rights under the consumer guarantees.” It is not just consumers that need to be aware of Consumer Guarantees. ‘I didn’t know’, is not a defence. Small businesses should educate themselves about consumer guarantee rights. What do you need to know?

“The ACCC is urging all retailers, particularly clothing retailers, to review their refund and returns policies to ensure that they do not contravene the ACL,” ACCC Commissioner Sarah Court said. Page 24

Helen Dayman WAHP Business Australia

What do you need to know? Retailers can’t refuse to provide customers with a remedy because the goods which are faulty or defective were bought on sale or at a clearance store. Consumer guarantee rights apply equally to sale and clearance items. Signs stating ‘No Refunds’ or ‘No refunds or exchanges on sale items’ are unlawful – they are misleading because they imply that it is not possible to get a refund under any circumstances, including for faulty items. In fact, consumer guarantee rights still apply, including the right to a choice of refund, repair or replacement where there is a major failure of a product you have purchased. Retailers can’t seek to restrict the period in which customers are entitled to a remedy under the consumer guarantees, for example, ‘No refunds after 14 days’. Consumer guarantee rights don’t have a specific expiry date and can apply even after any express warranty period has expired. Consumer guarantees do not apply unless goods are faulty or are not fit for purpose. Retailers aren’t obliged to offer refunds or exchanges if the customer got what they asked for, but simply changed their mind. Find out more Guarantees -

information

about

Consumer

http://www.accc.gov.au/consumers/consumer-rights-guarantees

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Money

Workshops: Sources of Startup Funding Educating Startups on How to Finance Their Ventures Startups on a growth trajectory typically need access to multiple sources of funding to underpin their rapid growth. Many don't understand what those sources are or how to access them. These workshops address that gap. Standard Ledger, General Assembly and Fishburners are bringing together PwC, Rocking Horse Group, Scale Investors, Right Click Capital and Blue Sky Venture Capital to provide an overview of the different ways you can finance your startup.

Workshops are FREE Registrations are now open Sign up now at http://standardledger.co

Melbourne 15 November WAHP Business Australia

The workshops will be run as a series of quick talks from experts, following by a Q&A panel. Here is what the workshops will cover: • Standard Ledger will set the scene on why and how startups need to access multiple sources of funding at different stages to support their growth • PwC will provide an overview of how the government’s R&D tax incentive program, one of the largest non-competitive sources of funding available, can support startups through their product development cycle. • In an exciting development in the funding scene, Rocking Horse Group are the leading provider of forward-financed R&D loans • Scale Investors (MEL), Blue Sky Venture Capital (BRI) and Right Click Capital (SYD) will give examples of when venture capital might be right for your startup, about how venture capital works and how it fits in the mix.

Brisbane 16 November

Sydney 29 November Page 25

Money

Bank Satisfaction Who gets your Vote?

Following the statistics of bank satisfaction over the past 12 months is like riding a rollercoaster. Up one month and down the next. The latest figures in September 2016 have shown a significant increase in customer’s satisfaction with banks.

“Having been measuring bank customer satisfaction for over 20 years, Roy Morgan can say that customers currently have a generally positive view of their own bank and, contrary to much of the short-term negative reporting, there has been a solid upward trend over the last 15 years” said Mr Morris. Our own informal social media survey of businesses on our Facebook page as well as in business networking groups showed a significant trend. A common question asked – Which bank is best for small businesses? While the big four banks were represented, it was noteworthy that a large proportion of participants recommended Bendigo Bank.

Source: Roy Morgan Research Single Source: April - September 2016, n = 26,076

The focus remains on the top 4 banks – CBA, NAB, Westpac and ANZ. Of these four, CBA has increased its lead and is currently sitting on 82%. NAB also showed a slight increase in customer satisfaction with the other big two – Westpac and ANZ losing ground. Norman Morris, Industry Communications Director, Roy Morgan Research said, “It is a positive sign that despite the high-profile negative publicity surrounding the recent banking inquiry, the big four banks have in fact increased their customer satisfaction levels over the September quarter.” What is surprising is that the leaders in customer satisfaction are all from the smaller banks and are out performing the big four. Bendigo Bank is leading the pack with an overall 89.2% customer satisfaction. ING Direct follows closely with 88.5%, with Suncorp and Bank West level on 85.2%.

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While interest rates, fees and chargers were important for many small business owners… customer service ranked high. Access to a Bank Manager was highly regarded with both Bendigo Bank and Bank of Queensland highly recommended. Roy Morgan’s findings places Bank of Queensland just below the CBA and well ahead of the other big three banks. I recently attended the Bayside Small Business Expo in Brisbane. Which bank was represented and actively networking with small businesses? This time, the ‘Which Bank’ slogan refers to Bendigo Bank. We ask you… Bank Satisfaction. Who gets your vote?

Helen Dayman WAHP Business Australia

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Money

Australian Banks -vsApple Australians should have the freedom to choose which mobile wallet they use for contactless payments, regardless of what mobile device they use. This is why a group of Australian financial institutions lodged an application with the Australian Competition and Consumer Commission (ACCC) earlier this year, seeking authorisation to enter joint negotiations with providers of third-party mobile wallets. The four banks – Bendigo and Adelaide Bank, Commonwealth Bank of Australia, National Australia Bank, and Westpac Bank – have now provided the ACCC with an extensive response to a range of incorrect and potentially misleading submissions made to the ACCC by opposed parties. In the response, the Applicants make clear: • The application to enter joint negotiations is restricted to negotiations with Apple; • The focus of the negotiation will be over access to the NFC (Near Field Communication) function on iOS devices; • By locking out any independent access to the NFC function on iOS devices, Apple is seeking for itself the exclusive use of Australia’s existing NFC terminal infrastructure for the making of integrated mobile payments using iOS devices. Yet, this infrastructure was built and paid for by Australian banks and merchants for the benefit of all Australians; • Apple’s claim that providing the Applicant’s access to the NFC function would undermine security or customer experience is completely baseless. Android, Windows and BlackBerry phones all provide access to their NFC in line with global standards of security for contactless payments set out by the card schemes. There is no evidence that Android Pay, Samsung Pay, or any of the mobile payment apps that have been developed for those platforms have affected security;

WAHP Business Australia

• The concerns raised by the Applicants on competitive access are not unique to Australia, with similar issues raised in a number of jurisdictions across the world; and • The application also focuses on security standards and transparency in fees. Security claims and “benefits” offered to consumers with respect to Apple Pay are exaggerated. Australia already has a significantly advanced, secure, convenient and world-leading contactless payments environment and the Applicants want to make sure these standards are maintained. Transparency in fees means that Australian consumers who do not want to use Apple Pay should not be burdened with costs that are imposed by Apple solely for its benefit.

“Our application remains focussed on providing Australian consumers with real choice and better outcomes for mobile payments, mobile wallets, and a range of other potentially NFC-powered functions such as public transport, airlines, store loyalty and rewards programs, and many more applications yet to be developed,” payments specialist and spokesperson on behalf of the Applicants, Lance Blockley, said. “This is about the future of mobile payments in Australia. Will it be ‘Apple's way or no way’, or a genuine level playing field so all consumers can have the best digital services, no matter what device they own.” The response also reiterates that the Applicants are not taking this action because they want to delay or prevent Apple Pay from coming to Australia. A decision by the ACCC is expected in November 2016. Page 27

Money

Payment Options for your Business What payment options do you offer your customers? There is an ever-growing list of options. Payment methods may be different for each business.

If you are face-to-face with customers, you might process cash, credit card and eftpos payments. Online only business may process payments via credit card, direct debit or PayPal.

Also consider – Privacy - Service fees – Transaction Costs – Risk of Theft – Reliance on telecommunication/electrical infrastructure.

How you collect payment from your customer is a big part of managing your business finances and cash flow effectively.

AfterPay is becoming popular with both customers and small business. It is easy to use, increases sales for the business and business also have quick access to funds. The big bonus here is that afterpay assumes all end-customer non-payment risk for every transaction.

Different payment methods may require additional technology and equipment. As your business grows, you may need to expand or change your payment options. Types of payment options may include – cash, check, money order, credit/debit cards, direct debit, online payments, electronic bill payment, EFTPOS transactions, gift cards, vouchers or digital currencies. Each payment method has its advantages and disadvantages. Consider these points when deciding on your preferred payment options:

Customers are raving about this payment method. They are able to spend more per transaction and pay it off (layby-style) over 4 payments. A WIN for both the customer and business.

AfterPay link - https://www.afterpay.com.au

How do your customers prefer to pay for goods? Do you need quick access to business funds? Is follow up with customers required for payment? What costs are involved? Is there a delay between purchasing, posting product and receiving payment?

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Helen Dayman WAHP Business Australia

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Online Shopping meets

Retail Therapy For your personalised online shopping experience The Body Shop - At Home With Sarah https://www.facebook.com/pamperingwithsarah/

1/4 page - only $50 to advertise your business here 1/2 page - $70 | Full page - $100 Product Catalogue - $20 each or 3 items for $50 WAHP Business Australia

Advertising enquiries - wahpbusiness@gmail.com

Technology

IT Setup for

Small Business Ryan Shelley Pepper IT www.pepperIT.com.au

Technology has become an essential tool for all businesses. From processing your invoices to managing your marketing and communications, IT has come to dominate the way businesses operate.

When you’re running a small business it is crucial that your technical set up supports your ventures. To help alleviate any hassle associated with inadequate IT, we’ve put together the top IT ‘must-haves’.

We don’t need to explain how imperative data and backup systems are in this day and age. The cloud is a convenient, user-friendly way to ensure your data is backed up while also allowing you to access it anywhere, anytime regardless of what device you’re using.

Number one on the list is the MOST crucial, the laptop. Weight is a key factor if you are visiting clients, carting Google Drive and Dropbox are our picks for cloud storage your laptop from the office to home regularly or travel. and are great options for small to mid sized businesses as You certainly don’t want to be lugging a brick around! the offer you the convenience of cloud services minus a hefty overhead. Both clouds allow you to store, work on Our preferences and good value are a Dell XPS 13 and share your files across a number of devices and team Ultrabook or Microsoft Surface Pro. members. Your email, calendar and contacts should also be stored in the cloud. Microsoft’s 365 or Google for Work (Google Apps) are both ideal email services to consider managing these details. Dell XPS 13 Ultrabook

Microsoft Surface Pro

They’ll save you the overhead, time and responsibility of managing your own Exchange email server, plus they can be accessed from any device or computer you choose to use to log into.

Both are powerful machines and that won’t let you down. A Dell XPS has been my laptop for many years. It is a solid yet lightweight machine, which is both reliable and fast. Additional technology considerations for any business A 15-inch screen is available for those who prefer a larger is anti-Virus Software – An absolute must and can be downloaded for free using AVG Free. screen. On a smartphone front an iPhone or Android are both viable options although iPhone is certainly easier to initially setup and configure. Keep in mind that an iPhone can work seemly with Microsoft or Google products, so you do not need to feel obligated to stick with other Apple products and services such as iCloud. When looking at which iPhone to choose Just be vigilant when installing updates, as it will attempt it is essential that you look at how much data you may to install a trial of the paid version by default. If you are after something more serious, we recommend the need to work with. Kaspersky range of anti-virus products. If you know you will be using certain Apps for your business or managing your social media (requiring larger On a final note, your setup needn’t be expensive and storage for photos), it is wise to choose the iPhone with above all it should be streamlined and easy for you to more storage as there is no option for external storage use. If it is too complicated and starts to slow you down, it can take all the efficiency and benefits out of using on the iPhone. technology as your tool. Page 30

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Data Innovation

Technology

Micro and Small Business Micro and Small Business is the largest group of Australian businesses to take up data innovation and technology. Be recognised and enter your business in the Data Innovation Awards. Research and consulting firm BigInsights has announced the first-ever data awards to recognise companies and startups in the APAC region and the rest of the world that have used data analytics and Internet of Things (IoT) technology to innovate their business. The ‘BigInsights Data Innovation Awards’ will be specifically focused on recognising teams & end users that are doing ground-breaking work using Data Analytics & IoT to deliver business outcomes. (www.dataawards.org) Australia’s Federal Assistant Minister for Industry, Innovation & Science, The Hon Craig Laundy MP will present the BigInsights Data Innovation Awards 2016 on 6th December at an event in Sydney. Australia’s well-known boutique Big Data analytics research & advisory firm BigInsights led by founder, renowned industry analyst Raj Dalal, is the convener of the awards. The awards are managed by Consensus which has a proven track record of managing technology awards since 1999. The awards program is designed to identify companies that have clearly demonstrated best practices in developing and deploying analytics or IoT techniques. Categories include: • Best Industry Application of Data Analytics • Best Industry Application of IoT • Best Industry Application of AI/Cognitive • Best Customer Insights • Best Start-Up Nominations are now open for companies wishing to pitch for the awards. The last date for nominations is November 16, 2016. WAHP Business Australia

Companies, startups, vendors or consultants who have completed a data analytics or IoT implementation that is delivering business value, and think their efforts deserve recognition by their peers, can fill in the entry form in the above categories. The entries will be judged by a panel of senior experts in the world of data analytic and IT world. Winners will get global recognition and be presented the Award at the 6th December ceremony by the Assistant Minister of Industry, Innovation and Science, Hon Craig Laundy.MP. Raj Dalal, Principal at BigInsights said, “While the ability to use Data, IoT and Machine Learning/AI has been talked about extensively, little has been discussed about benefits being realised by the early pioneers in industry and startups. So we decided to acknowledge these pioneers in startups and enterprises that are using technology for driving better decision making. In the ‘BIG’ world of Data, it is imperative to support a vibrant and exciting industry, hence our decision to institute this award”. Julian Day, Founder & CEO of Consensus added, “Our Awards programs has a long history of identifying emerging technologies that go on to succeed on the global stage and we are delighted to partner with BigInsights for the Data Innovation Awards. Our panel of eminent judges will not just identify the winners but more importantly, provide detailed feedback to those who fail to make it to the winners’ podium and be back next year. The inaugural awards is supported by Australian Consensus Technology Association (ACTA), TiE, and The Data Warehouse Institute (TDWI). Hitachi and UTS are key sponsor. The full details of the BigInsights Data Innovation Awards can be found at www.dataawards.org including the terms and conditions to submit entries.

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Technology

Nominations Close - 16 November 2016

Awards Presented in Sydney - 6 December 2016 Categories: Best Industry Application of Data Analytics Best Industry Application of IoT Best Industry Application of AI/Cognitive Best Customer Insights Best Start-Up

Entry by Email julian.day@consensus.com.au

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Julian Day Consensus Pty Ltd 0413 309 056 www.dataawards.org Published by Goodnight Publishing

Home

Bacteria as Brain Food Yes , bacteria feed the brain. Bacteria have a bad rap for all the ill health they cause. This is sometimes true. Ideally though, 80% of our bacteria need to be ‘good’ to work with us in health.

In a world where we wage war on bacteria daily, we have forgotten that we are also killing off these ‘good’ guys who support brain health amongst other things. The way this works is that many varieties of bacteria exist in balance, in huge volumes along our digestive tract (gut) wall. In a perfect world, there would be an 80:20 balance between the ‘good’ and ‘bad’ bacteria.

For me, the warning signs manifested as poor concentration, moodiness and memory lapses. Remembering names, clear decision making and learning new work place processes became difficult where it was once easy.

This balance facilitates a healthy communication between the health of the gut, the brain and the body. However, with our modern lifestyle of stress, environmental toxins, antibiotics, antiseptics and nutrient poor foods an imbalance inevitably occurs.

These symptoms occurred at the ripe age of 28, with youth on my side.

In most cases the imbalance favours the ‘bad’ bacteria (mostly candida) which can be seen and felt in our brain function as brain fog, memory lapses and more significantly mental health disorders such as anxiety and depression. Longer term ‘bad’ bacterial overgrowth within the gut can lead to altered immune function, digestive issues and studies now suggest altered brain structure creating Alzheimer’s. The research is mounting and evidence disclosing that a healthy gut is a healthy brain.

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Progressively, I tuned into my body and found other seemingly benign signs – thrush, bloating, constipation and premenstrual symptoms. I wasn’t the only one with these symptoms and they were so common I thought it normal. In time, I started to research. Joining the dots of my story between bacterial imbalance, poor gut wall functioning, wellness and outcomes like brain function. For many there is a necessary journey to restore ‘good’ gut bacteria and heal the gut wall lining damaged by modern social and food habits. This essentially meant adding over a trillion ‘good’ bacteria in regular fashion to regain my gut bacterial balance and feed my brain. Published by Goodnight Publishing

Home

Create a tasty and filling salad for lunch or dinner doesn’t have to be hard. Roast some sweet potato, wash some spinach, tomatoes and allow some frozen peas to come to room temperature and toss them through some quinoa.

Kath Banning Health Coach www.facebook.com/kathbanning

Eventually, with other consistent health changes the ‘good’ bacteria balanced the ‘bad’ bringing improved digestion and brain function. My clarity improving, my moods moderating and as a bonus, a creativity in problem solving I didn’t know I had. For many of us, we live with many of the symptoms discussed assuming they are normal because of their prevalence. What I’ve found is that this doesn’t need to be true. When we feed our gut the right way, we feed our bodies and we feed our minds with vastly superior health outcomes compared to our previous existence. WAHP Business Australia

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Home

Keep it in the Family Is there an Entrepreneur Gene?

Helen Dayman WAHP Business Australia Sons and daughters following in their parents’ footsteps to take over the family business, or strike out on their own to create a new business.

So… Is entrepreneurship genetic?

Is small business ownership or entrepreneurship genetic? Or is it environment, experience and upbringing influences? A lightbulb moment - you have a great idea for something that you feel everyone needs. An insight about the future and a desire to make it better - an idea, concept, discovery or item. There are two paths you could follow – 1. Market your ideas with yourself to established businesses looking for talent (job search); or 2. Market a package of yourself and idea as an entrepreneurial activity (business). An entrepreneur will develop, market and sell their idea knowing they may have potential for wealth and success. Entrepreneurs by their nature are risk avoiders, yet their business activities are filled with risk. My family history is one of small business ownership. My parents worked in their own businesses as long as I can remember. Both myself, my sister and brother have all been self-employed for most of our working lives. Let’s skip down a generation, one of my four children has his own business. It will be interesting to follow the career or potential entrepreneurial paths of this generation. Page 36

Could the secret to business success be locked in our genes? A new RMIT study is investigating how families pass on entrepreneurial traits – and the positive role of narcissism in business success. PhD researcher Gabrielle Miles, from RMIT’s School of Health and Biomedical Sciences, is leading the new project to determine how narcissism in families relates to people’s attitudes to money, financial risk taking, and other reward-seeking behaviours. “While narcissism often has a negative connotation, as a personality trait at moderate levels it can also have some beneficial adaptive aspects, like the development of psychological resilience,” Miles said. Michael Maccoby author of the book The Productive Narcissist, suggests narcissism is a strong leadership trait – 1. Narcissists are visionaries who foresee compelling concepts and strategies for the company. 2. Narccists are able to articulate a vision well and therefore build strong followerships.

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“This research will help us understand why some individuals and families go on to be particularly successful entrepreneurs while others seem to have difficulty with certain types of financial or business decisions, or have no interest in business at all,” Miles said.

Healthy narcissistic behavior may also make good leadership qualities. 1. Lead with vision - These leaders understand the importance of having a vision that people believe in. They are able to see the big picture, see things that aren’t there yet and attempt to create them. 2. Desire to be admired - Narcissists have a gift of attracting followers with their highly developed verbal skills and articulation. They are skillful orators and can deliver moving speeches. 3. Relationships - Healthy narcissistic behavior involves having real concern for other people and does not devalue the opinions or ideas of other people. 4. Consistency - A leader with a healthy level of narcissism will have a set of values. They will have an ability to follow a consistent path and will typically follow through with plans. 5. Empire building – At first glance, a narcissistic leader appears to want to take over the world and create an empire. This is true at its base element, but they also want to leave behind a larger than life legacy. This is shown as they actively seeks to expand their sphere of influence, hire more staff, increase their reach and influence. A narcissistic entrepreneur will keep building one business after another.

“We’re focused on investigating the degree to which psychological traits and attitudes related to business success are transmitted genetically within families.” For the new study, supervised by RMIT’s Associate Professor Andrew Francis and Professor Kosmas Smyrnios, the researchers are recruiting 60 families to take part. Participants are asked to complete online questionnaires and tasks (taking about 45 minutes) and to provide saliva for genetic analysis. None of the procedures are invasive or involve face-to-face contact with the researchers, with all data collected remaining anonymous and strictly confidential. The project builds on the team’s previously published work that showed narcissism runs in families. That research, which looked at 144 Australians from 36 biological families, was published in the prestigious international journal Psychiatry Research.

To take part in the study or find out more, email the researchers: gabrielle.miles@rmit.edu.au or kosmas.smyrnios@rmit.edu.au

Definition –

noun: narcissism 1. excessive interest in or admiration of oneself and one's physical appearance. o Psychology - extreme selfishness, with a grandiose view of one's own talents and a craving for admiration, as characterizing a personality type. o Psychoanalysis - self-centredness arising from failure to distinguish the self from external objects, either in very young babies or as a feature of mental disorder.

Mayo Clinic - Narcissistic personality disorder is a mental disorder in which people have an inflated sense of their own importance, a deep need for admiration and a lack of empathy for others. But behind this mask of ultraconfidence lies a fragile self-esteem that's vulnerable to the slightest criticism. WAHP Business Australia

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Home “Australia is facing some of the highest youth unemployment and underemployment rates in recent times, particularly in regional centres. Structural changes in the Australian economy have left young people with fewer opportunities and with reduced prospects of any self-correcting, market-led solution to accessing sustainable employment.”

Youth Unemployment -vs Entrepreneurship

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A key strategy is to create jobs. Entrepreneurship is an innovative response identifying markets that may not yet even exist. Internationally there is a growing recognition for the need to develop an entrepreneurship ecosystem. Entrepreneurship is divided into two sectors – startups and social enterprises. The Australian Government’s Industry Innovation and Competitiveness Agenda (IICA) current initiatives are to ‘develop a national youth entrepreneurship strategy’; raise seed funding for startups and social enterprises; enhance education and skills; technology exchange and innovation; improve access to finance; promote awareness and networking.

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Developed by the Foundation for Young Australians (FYA) and the National Australia Bank, $20 Boss is an in-school challenge, run by teachers, which provides your students $20 of start-up money to create their own business. At the end of the program, students are encouraged to pay back the start-up money, with a $1 legacy payment. It’s a fantastic way to engage young people in an immersive experience at school that encourages their entrepreneurial spirit. It’s completely free for schools to participate in $20 Boss. We will provide each participating student with the $20 start-up money, as well as the content for the teachers delivering the program. All you have to do is sign up, access the content, deliver the modules and support your students. Expert business coaches from NAB are available to support your students throughout the program. Using the online portal, you will have the opportunity to host NAB volunteers at your school to support and inspire your students. We have had wonderful feedback from schools who included business coaches in 2015 – so book early to avoid missing out. The ongoing growth of the program relies on students paying back their $20 plus a $1 ‘legacy donation’ at the conclusion of the challenge. We encourage students to donate any profits made to a local community organisation or charity of their choice. We believe that young people should be inspired to consider self-employment and other entrepreneurial career choices. Understanding that businesses can have a social or environmental purpose is a powerful tool for making the world a better place! Pre-Register for 2017 - https://www.fya.org.au/our-programs/20boss/register-20-boss-2017/

Links –

Growing Youth Employment through Entrepreneurship: Snapshot http://acys.info/resources/employment/reports/growing-youth-employment-snapshot/ $20 Boss in-school program - https://www.fya.org.au/our-programs/20boss/

WAHP Business Australia

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Recipes

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Recipes

Healthy Homemade Pizza Preparation Time: 40 minutes

Ingredients 1.5 cups warm Water 2 tsp Yeast 1 tsp Caster Sugar 4 cups Plain Flour 1 tsp Salt 60ml Olive Oil

Cooking Time: 15 minutes

Combine water, yeast and caster sugar in a small bowl. Set aside for 5 minutes until foamy.

Combine flour and salt in a large bowl. Make a well in the centre.

Add oil to yeast/water mixture and pour into flour well. Use a rounded knife to combine all ingredients into a dough ball.

Knead dough until smooth and elastic. Put in a bowl brushed with oil and cover with plastic wrap. Place in a warm spot for 30 minutes until dough doubles in size.

Now... Create your Pizza Briefly kneed pizza dough then with heal of hand at centre spread out to the size of pizza pan. Brush pizza base with your choice of pizza sauce. Try a combination of tomato and bbq sauce. Spread grated cheese over the pizza base (Mozzarella, cheddar or even cheese slices) Now just add your choice of toppings. Top off with some more grated cheese and pizza sauce. Bake for 15 minutes in oven at 180-200 degrees.

WAHP Business Australia

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Recipes

Zesty Chicken Marinade

Italian Marinade Suitable for Poultry, Beef and Lamb

Makes 1/2 cup enough for 4 chicken breasts

Ingredients

4 Garlic cloves - minced 1 small onion - chopped 1/3 cup cilentro - chopped 1/4 cup Olive Oil 1.5 tsp Paprika 1 tsp ground Cumin 1 tsp dried Parsley 1/2 tsp salt & ground pepper

1 cup Olive Oil 1/4 cup Red Wine Vinegar 3 Shallots (peeled & chopped) 6 Garlic cloves (chopped) 1 tbsp fresh Rosemary chopped 1 tbsp Soy Sauce 2sp Pepper

Combine all ingredients.

Zesty Grilled Chicken: Prick chicken several times with a fork to allow marinade to penetrate meat. Place with marinade in a large freezer bag. Seal and marinade for 20-25 minutes in fridge. Can freeze up to 6 months. Cook â&#x20AC;&#x201C; Thaw, then grill or in oven on medium heat for 10 minutes each side (or exterior is lightly charged and juices run clear)

Italian Steak: Place your choice of steak and Italian Marinade in a large freezer bag. Seal and marinade for 2 hours in fridge. Can freeze up to 6 months

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Cook â&#x20AC;&#x201C; Thaw, then grill or in oven on mediumhigh for 8 minutes each side. Cut into thin slices and serve with salad or vegetables.

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Recipes

Mediteranean Blend Makes 1/4 cup Suitable for Beef, Lamb and Chicken

Southwestern Spice Blend Makes 1/4 cup add flavour to beef, lamb poultry, fish & soups

Ingredients

2 tsp ground Sage 2 tsp dried Thyme 2 tsp Pepper 1 tsp Salt 1 tsp Garlic powder 1 tsp dried Rosemary

1 tbsp Salt 2 tsp Garlic powder 2 tsp Chili powder 2 tsp ground Cumin 2 tsp Pepper 1/2 tsp unsweetened Cocoa

Combine all ingredients and store in air-tight container.

Mediteranean Steak: Combine Mediterranean Blend and 1 tablespoon olive oil; rub over your choice of steak. Place seasoned steak flat in a freezer bag and seal. Can freeze up to 6 months.

Southwestern Chicken: Combine Southwestern Spice Blend and 1 tablespoon olive oil; rub over 6 skinned and boned chicken breast halves. Place seasoned chicken breast flat in a freezer bag and seal. Can freeze up to 6 months.

Cook â&#x20AC;&#x201C; Thaw, then grill or in oven on mediumhigh for 8 minutes each side. Cut into thin slices and serve with salad.

Cook â&#x20AC;&#x201C; Thaw, then grill or in oven on mediumhigh for 6-7 minutes each side. Serve with salad or fried rice.

WAHP Business Australia

Page 43

Recipes

Recipe Source â&#x20AC;&#x201C; www.taste.com.au

Ingredients

Chocolate Mousse Preparation - 20 minutes Serves 8

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250g dark chocolate (broken into pieces) 600ml Thick Custard 30mml Thickened Cream White Chocolate (thickly grated)

Place chocolate and custard in heatproof bowl over saucepan of simmering water (bowl should not touch the water).

Use a metal spoon to stir until chocolate melts and mixture is smooth. Set aside for 15 minutes to cool.

Whisk cream in a bowl until soft peaks form. Add to chocolate mixture and gently fold until just combined.

04 05

Spoon evenly between 8 x 200ml serving glasses. Cover with plastic wrap and place in fridge for 1 hour to set. Sprinkle grated white chocolate over each glass to serve. Published by Goodnight Publishing

Recipes

Recipe Source – www.taste.com.au

Strawberr y & Jelly Custard Pots Serves 4

01 02 03 04 05

Ingredients 85g pk Strawberries & Creme Jelly Crystals 1 cup boiling Water 250g fresh Strawberries (hulled and halved) 1 cup thick Vanilla Custard 1 tsp Garlic powder 1 tsp dried Rosemary

Place jelly crystals in a large heatproof jug. Add boiling water and stir to dissolve. Stir in 200ml cold water and then refrigerate for 1 ½ hours or until just set. Reserve 4 strawberry halves (for decoration). Divide the remaining strawberries between four x 1 cup capacity glasses. Pour jelly over strawberries and refrigerate for 1 – 1 ½ hours or until firm. Spoon ¼ cup custard over each jelly, then top with 1 strawberry half. Serve.

WAHP Business Australia

Page 45

Product Catalogue

The Body Shop - At home with Sarah

Body Butters and Shower Gel ranges Our super rich and creamy Body Butters are a treat for the skin and Jumbo sized shower gels later up in the bath or shower RRP - from $24.95 Postage - from $7.60 Purchase at - https://www.facebook.com/pamperingwithsarah/

Mugcellent Mugs

Mugshot Coffee Mugs Our Personalised Mugshot Coffee Mugs are a great gift for that hard to buy for person or for if you just want to have a good laugh! Price: $9.00 each Postage: $7.50 Australia-wide Purchase at -

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Page 46

Published by Goodnight Publishing

Product Catalogue

Oz-tralian Signature Animals

Signature Koala Signature Koala. Ideal for Weddings, Birthdays, Retirements any special occasion. With moveable head. Approximately 27cm high Price: $55.00 plus P/H of $7.50 Purchase at -

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Kidz Biz

Summer Fun We stock a great range of hats for babies and children. Flat postage - $6.95 Free Postage over $120 Purchase at - www.kidzbizonline.com.au

Cindy Fox

Personalised Hard Cover Journals Perfect Gift for Any Occasion - Can Be Personalised For All The Special People In Your Life Price - from $20 USD Purchase at http://wahp-journals.cindy-fox.com

WAHP Business Australia

Page 47

Product Catalogue

Opulenza Fragrances

Christmas Candle Available in Silver, Gold or Rose Gold, with a choice of label and scent. Price: $25.00 Purchase at - www.opulenza.com.au

The Body Shop - At home with Sarah

100% Organic range Our first ever 100% Organic Range is high performance that targets fine lines and wrinkles RRP - from $24.95 Postage - from $7.60 Purchase at - https://www.facebook.com/pamperingwithsarah/

Page 48

Published by Goodnight Publishing

Product Catalogue

Cindy Fox

Nerium Independent Brand Partner Discover the science behind great skin! Experience Nerium’s ultimate skincare system: Age-Defying Night Cream, OptimeraTM Formula fights the appearance of: • Fine Lines and Wrinkles • Discolouration • Uneven skin tone • Enlarged pores • Sagging skin Purchase at www.nightcream.magicmiracle.biz

Scentalicious Bath & Body Treats

Pet Gift Pack Each pack contains: Fresh Coat Precious Puppy Pet Spray – 100ml, Fresh Coat Purrs & Paws Pet Spray – 100ml, Fresh Coat Pooch Smooch Pet Spray – 100ml Sunshine Fresh Pet Shampoo (Unscented) – 100ml Price: $30.00 Purchase at -

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Cindy Fox

Attract more Positive Energy Free for 30 Days, then if happy to keep receiving them Price - $8.88 USD a month from day 31 Purchase at http://wahp-iam.cindy-fox.com

WAHP Business Australia

Page 49

Product Catalogue

The Body Shop - At home with Sarah

Black Musk range Our Black Musk range is a mix of our dark and powerful cruelty-free musk wrapped in sweet, juicy notes to make this scent hard to resist RRP - from $15.95 Postage - from $7.60 Purchase at - https://www.facebook.com/pamperingwithsarah/

Cindy Fox

Nerium Independent Brand Partner Discover the science behind great skin! Experience Nerium’s night and day difference with the ultimate skincare system: Age-Defying Night and Day Creams, OptimeraTM Formula fights the appearance of: • Fine Lines and Wrinkles • Discolouration • Uneven skin tone • Enlarged pores • Sagging skin Purchase at www.dayandnightcombo.magicmiracle.biz

Page 50

Published by Goodnight Publishing

Product Catalogue

Renayeâ&#x20AC;&#x2122;s Keepsakes

Purple Butterflies Keepsake Box A wooden keepsake box perfect for all sorts of treasures. Can be personalised. (includes Gift Box)

Price: $45.00 Postage - $14.95 Purchase at -

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Ava Ashley Sensations

Novelty Handmade Soaps Just like a Chocolate Milkshake only Soapy! Price: from $4.95 Purchase at www.avaashleyscentsations.com

Cindy Fox

Nerium Independent Brand Partner Come and see what the buzz is all about! Be a Preferred Customer OR Be in Business for yourself, NOT by yourself! Purchase at www.extraincome.magicmiracle.biz WAHP Business Australia

Page 51

Business

Page 52

WAHP Business Australia

P u b l i s h e d b y G o o d n i g h t P u b l i Published s h i n g by Goodnight Publishing