Cover Photo: modern day earth mumma
+ More
StepUp your business - Peek Inside
+ tasty DELIGHTS
TECHNOLOGY
Scrumptious recipes to tease your taste buds
Blog, Connect Share and Attract
+ kids zone
Halloween Fun for the Kids
lifestyle
Understanding myGov
marketing
money
Lending What you need to know
Showcasing Australian Small Business and Work At Home Parents
October - November 2018
Content Calendar Plan Ahead
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 Maryanne Watts - Being Your Thoughts Natalie Crowe - Natalie Crowe Designs Helen Dayman – WAHP Business Australia Reader Submissions Cindy Fox Caitlin Dayman Graphic Design In-House @ WAHP Business Australia
Advertise your Business Display Advertising Editorial (two page spread) Full - Half - Quarter Page Individual Products Business Directory
Submit an Article or Advertise e wahpbusiness@gmail.com Published and Distributed by: WAHP Business Australia 367 Nielsons Road Goodnight Scrub Qld 4671 Phone - 0402 146 371 ABN 80 393 008 723
WAHP Business Australia October/November 2018
Editor’s Letter
3
Business
On our Cover - Modern Day Earth Mumma Celebrating Past Covers Fairytale Busted - Get Rick Quick Schemes don’t work myGov - Manage ABN Connections Get a handle on Acronyms
Marketing
Low Cost Marketing Ideas for your Business Content Calendar - Plan Ahead Network like a Pro
Money
Lending - What you NEED to know Understanding Online Payment Processing Compare and Get Paid
Technology
SSL & Google Blog, Connect, Share and Attract Top 8 Business Apps for October 2018
Lifestyle
Feel Great - Live Great Understanding myGov How much do you Love YOU?
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14 16 19 20 22 24 27 28 30 34 36 38
Kids Zone Halloween - Fun for the Kids
40
Recipes
44
Business Directory
This months hot businesses Page 2
4 5 6
48
Published by WAHP Business Australia
Editor’s Letter
Welcome to our October/November issue of WAHP Business Australia magazine and we are now bi-monthly. This is always a very busy time of year as our businesses and families are getting ready for first Halloween and then Christmas. A New Year is also just around the corner too. 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. This year has been a roller coaster and it is very exciting to finally get this issue out to you. 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! 52 pages packed with great business info and tips. Plus we have reintroduced our craft section with a new title ‘Kids Zone’. 2018 has been a busy year so far and it is wonderful to chat with many of you through out social media. There are a few more surprises on the way as we take WAHP Business Australia into overdrive. Our webiste if finally a few steps closer to being another wonderful resource for our WAHP community and Australian businesses. Watch this space and our social media channels for more news very soon. Did you catch our mention above that we are now bi-monthly? Yes it is all happening here at WAHP. We will be bringing more great articles and regularly every second month. Our publishing schedule is - February, April, June, August, October, December. Deadlines close off the previous month. 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. You might wish to join our regular contributors. All contributors receive a discount off any advertising too. We also have a delectable selection of recipes to tantalise your taste buds. We have a few changes from this issue. The Business Directory emains and as mentioned above we now have the Kids Zone. We also now showcase your Individual Products throughout the magazine. Read on and enjoy this issue. A reminder, WAHP Business Australia magazine is now bi-monthly. The next issue will be December/Januar issue and will be out on 1st December 2018. Interested in showcasing your business, advertising deadline for the next issue is 15th November. Promote your business from as little as $20 for an Individual Product; $60 - quarter page; $80 - half page; and $120 - full page. Be an *EarlyBird* Advertiser and get 20% off - just secure and pay for your spot by the 30th October. 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
Page 3
Business
On our Cover Jessie Lee Rad - Modern Day Earth Mumma Jessie is a mother, Naturopath and a small Jesse makes wholesome, nourishing products business owner. She is a ‘Modern Day Earth using locally sourced ethical ingredients. Each Mumma’. product is made by hand. As a new mother, Jessie launched her business The business has grown due to a strong and in 2014. This step allowed her to make the loyal following. Jesse has now opened a retail choice of staying at home with her children store. instead of returning to the workforce. She stocks her own handmade products, but Modern Day Earth Mumma is a business also supports other local hand maidens. focussed on making chemical free family skincare available for everyone, without the 4 years on, Jesse is still making each product at home, around her family just as she intended hefty price tag. when first launching her business. www.facebook.com/moderndayearthmumma Email - moderndayearthmumma@gmail.com Online Store - www.moderndayearthmumma.bigcartel.com Retail Store – Highgate Road, Kilmore VIC 376
Page 4
Jesse is a Modern Day Earth Mumma.
Published by WAHP Business Australia
Business
Celebrating Past Covers
Calming Concepts is a massage business. I have been a massage therapist for ten years with a passion for helping mums fill their cup, take some time for themselves and restore some of their spirit. I operate in North Brisbane, QLD. Entrant in our most recent Cover Callout www.calmingconcepts.com.au www.facebook.com/calmingconcepts
Holistic Time is a Retail Stockist & Professional Spray Tanner of Eco Tan - Australia’s 1st Certified Organic Tanning & Bodycare Product Range. Made with only Certified Organic & Natural Ingredients! Vegan, Toxic Free & Cruelty Free! Featured on our November 2017 Cover http://www.facebook.com/holistictime.com.au
Fun Cakes featured on our August 2017 Cover
My name is quite simple....i make FUN CAKES! It was nice & simple & catchy. I love being able to create something special for my clients & I love that each week is different. I hardly ever do the same cake so its always exciting! https://www.facebook.com/FunCakes-192227534128536/
Central Business Associates at Wynnum, QLD featured on our May 2017 Cover as part of our coverage of CoWorking Spaces. www.centralbusinessassociates.com.au
WAHP Business Australia
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Business
Fairy Tale BUSTED Get Rich Quick schemes... Don’t Work!
Helen Dayman
Editor WAHP Business Australia
Get rich quick schemes all have the same promise… a high return in the shortest time. Sounds great and might even look great on paper. But is it really? What are the key ingredients? Fantastic opportunity, invest money for a high return quickly. Perfect! Who doesn’t want to be a millionaire? In most cases, the only people getting rich are those at the top of the ladder. Most get rich schemes are modelled on the pyramid or ponzi schemes. Sources –
LinkedIn Interview of Richard Branson with Daniel Roth
www.linkedin.com/today/post/article/20130107170628-29092-want-to-be-richard-branson-heres-his-secrets-to-success ScamWatch – www.scamwatch.gov.au
Page 6
Published by WAHP Business Australia
Business Small business owners are targeted as Entrepreneurs. A picture is painted of ‘you can be the next Richard Branson’. Nice… Your get rich quick package will include lots of great information on how to get you from ‘scraping by’ to ‘jet-setting around the globe’. Your Mentor is already living that lifestyle and you can too. Sounds fantastic! You are invited to a free local information session where everyone is pumped up and excited. There is a dynamic charismatic presenter and a “live” feed (on screen) to your international mentor. Exciting $figures are shown that you can achieve in a short time using this program. Not many details yet, but it is exciting. How do you get rich quick? By inviting family, friends and anyone else you can get along to an information session. Yes, you are reselling this same concept. Your product is an information session and this is your path to wealth. Potential earnings are from a percentage of each person signing up and could include a percentage of their signups (pyramid structure). Let’s talk money. How much will it cost you to invest? These opportunities vary from a small $500 up to $10,000 or more.
Try this option instead – Keep that $10,000 in your pocket. Join business networking groups local and online. If you are still searching for a business idea that will tick all the boxes - engage a business or life coach. Once you have a plan for your business, that $10,000 will come in handy setting up your business for success. Keep networking. You have established contacts already who may turn into your first customers. In the race to Get Rich Quick -vs- Plan for Success, which do you think will win? While there are a few overnight success stories of those who ‘got rich quick’, they are few. Many successful business people like Richard Branson, got there on hard work. Richard Branson in an interview with LinkedIn Executive Editor Daniel Roth, said what made him so successful was enormous amounts of luck; working during the day, night and weekends; and moving quickly.
Ultimately, how well you succeed in business comes down to one person – YOU; and of course Real story. I knew a person who invested $10,000 hard work. There is no easy and quick road to in a get rich quick scheme just like this. End result, riches. he lost the lot. What did he get out of it? A folder of great business entrepreneurial information, a Start first by exploring your options and joining few CDs and a clone website. All this information supportive networking groups. Then let’s see where this wonderful journey takes you. was available online for FREE.
Case Study -
Scamwatch - www.scamwatch.gov.au
2016
Amount Lost ($) $83,561,599.00
No of Reports 155,034
2017
$90,928,622.00
161,528
2018 (6 months)
$64,597,734.00
75,384
WAHP Business Australia
Top 2 Scams 1. Dating & Romance 2. Investment Scams 1. Investment Scams 2. Dating & Romance 1. Investment Scams 2. Dating & Romance Page 7
Business Helen Dayman WAHP Business Australia
The purpose of myGov is to link ALL government services and give a point of access. Not just services we use for personal, but also for business too. Did you know that you can manage your ABN connections within myGov? If you are new to myGov, read our article in our LifeStyle section on page 36 to find out how to connect and what myGov is all about.
What is Manage ABN Connections? myGov’s Manage ABN Connections allows you to connect one or more ABNs you have authorisation, to your myGov account. This service allows you to securely access a range of government online business services and agencies. It is a secure login alternative to AUSkey. After connecting an ABN to your myGov account you can use Manage ABN Connections. On the myGov website you can use your myGov username and password to securely log in to government online services. Or on a mobile device and using the myGov app, you can use your one-time access code.
Any services linked to your myGov account may affect how you receive mail. Keep an eye on your myGov Inbox. It is recommended to read the ‘Manage ABN Connections FAQs for more information on the myGov website. Note: Tax and BAS agents cannot access the Tax and BAS Agent Portals using Manage ABN Connections. You can access these government online services via myGov . For more information about a service visit the relevant government agency’s website.
myGov
Manage ABN Connections Page 8
Published by WAHP Business Australia
Business Department
Online Service
Business.gov.au
Business.gov.au Self-Service Authorisation Portal A whole-of-government service allowing you to set authorisation attributes that define what users are allowed to do at participating websites.
Australian Business Register (ABR)
Australian Business Register Credential Manager Users can manage their AUSkey. Administrator AUSkey holders can manage other AUSkeys for the business.
Australian Taxation Office
Access Manager Enables administrators to set up access and permissions to ATO’s portals and SBR services.
Australian Taxation Office
Business Portal A gateway to ATO’s online services for business.
Department of Education and Training
Unique Student Identifier (USI) Organisation Portal Used by registered training and education organisations and related bodies to create, verify, find and update unique student identifiers.
Australian Financial Security Authorities (AFSA)
Australian Financial Security Authority Online Services Creditors can login to apply for, submit and track bankruptcy notices.
Department of Health
Hearing Services Program Access an online portal that supports the voucher component of the Australian government Hearing Services Program.
Department of Health
Forms Administration Portal Access services such as the Aged Care Benchmarking system and online form submission from a central location
https://authorisation.business.gov.au/SSA/
https://abr.gov.au/AUSkey/
https://am.ato.gov.au/
https://bp.ato.gov.au/
https://portal.usi.gov.au/org
https://www.afsa.gov.au/online-services/creditors-bankruptcy-notices/get-started-as-a-new-user/registering-an-organisation http://www.hearingservices.gov.au/
https://dss.formsadministration.com.au/dss.nsf/home.xsp
Australian Trade and Investment Commission (AUStrade) Export Market Development Grants (EMDG) Online http://www.austrade.gov.au/Australian/Export/Export-Grants/EMDG-how-to-apply
Application (AUStrade) An Australian government financial assistance program for current and aspiring exporters.
Department of Industry, Innovation and Science
Automotice Transformation Scheme (ATS), AusIndustry ATS aims to encourage competitive investment and innovation in the Australian automotive industry.
https://www.business.gov.au/assistance/automotive-transformation-scheme State Revenue Offices
NSW Office of State Revenue
OSR Payroll Tax online services https://www.apps07.osr.nsw.gov.au/mars-online/pages/payrollTax/monthlyPaymentCalculator.jsf
RevenueSA, Government of South Australia
RevNet (RevenueSA online services) https://www.revnet.sa.gov.au/revnet/pages/logon.jsp
Western Australian State Revenue Office
WA Revenue Online https://rol.osr.wa.gov.au/Rolng/faces/Home
Tasmanian State Revenue Office
Tasmanian Revenue Online https://www.tro.tas.gov.au/
WAHP Business Australia
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Business Acronyms are providing a shortcut to say more with less. Many people have heard of KISS – keep it simple stupid. Although a few of these appear to not be simple at all. Here is our cheat sheet to help you get a handle on acronyms.
AIDA – attention/awareness, interest, desire, action (purchase funnel) ABN – Australian Business Number API – application programming interface ASAP – as soon as possible ASP – Application Service Provider ATO – Australian Taxation Office B2B – business to business B2C – business to customer BR – bounce rate CAC – customer acquisition cost CEO – Chief Executive Officer/ Community Engagement Officer CFO – Chief Financial Officer CIO – Chief Information Officer CMO – Chief Marketing Officer CTO – Chief Technology Officer CLV – customer lifetime value CMS – content management system COB – close of business COS – content optimization system CPA – cost per action CPC – cost per click CPL – cost per lead
CR – conversion rate CRM – customer relationship management CSS -cascading style sheets CTA – call to action CTR – click through rate CX – customer experience DM – direct mail or message DNS – domain name server EFT – electronic funds transfer EFTPOS – electronic funds transfer point of sale EMS – environmental management system EOD – End of day EOM – end of message ERP – enterprise resource planning (computer software) ETA – estimated time of arrival GA – google analytics FOI – freedom of information FTE – full time employee FYI – for your information GM – General Manager
GST – goods and services tax HTML – hypertext mark-up language IP – intellectual property IP address – internet protocal address IPO – initial public offering ISP – internet service provider IVR – interactive voice response KISS – keep it simple stupid KPI – key performance indicators MILE – maximum impact, little effort MP – Member of Parliament MRR – monthly recurring revenue MTD – month to date NDA – non-disclosure agreement NOI – net operating income NPS – net promoter score NRN – no reply necessary NWR – not work related OOO – out of office OT – off topic OTC – over the counter p - page PA – performance appraisal PCs – personal computers
Ever feel like people are talking a different language? It appears that acronyms have taken over. Why? We have busy lifestyles; busy work life and time is at a premium. POC – point of contact POV – point of view PPC – pay per click PR – public relations PTE – part time employee PTO – paid time off PV – page view QC – quality control QR code – quick response barcode QTD – quarter to date R & D – research and development Re – referring to RFD – request for discussion RFP – request for proposal
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ROI – return on investment RRP – recommended retail price RSS – rich site summary RT – retweet SaaS – Software as a Service SEO – search engine optimization SLA – service level agreement SM – social media SMART – Specific, measurable, attainable, realistic, time-bound SMB – small to medium business SME – small and medium enterprises SMM – social media marketing SMS – short message service
SMTP – simple mail transfer protocol SWOT – strengths, weaknesses, opportunities, threats TFN – tax file number TOS – terms of service UI – user interface URL – uniform resource locator UV – unique visitor UX – user experience VPN – virtual private network WFH – work from home WOM – word of mouth YTD – year to date
Published by WAHP Business Australia
Business
Get a handle on Acronyms WAHP Business Australia
Page 11
Marketing
Page 12
Published by WAHP Business Australia
Marketing
Page 13
Marketing
Helen Dayman WAHP Business Australia
Low cost Marketing ideas for your Business
Page 14
Published by WAHP Business Australia
Marketing Referral or Brand Ambassador program
Your existing customers can benefit your business by helping you find new customers. It can take the form of as an affiliate, customer or partner program. The right referral program for your business will prompt people to invite their friends. Popular referral programs using social media are Brand Representatives on social media such as Instagram or Pinterest. We delved into this topic in depth in our May 2016 issue – Read it here.
Content Marketing
Content is still King! Content for your website, social media and blog. Content to drive traffic to your website and increase your customer base. Good content might be informational (ebooks, blog posts, infographics, case studies), promotional (podcast, video, image), educational (course, webinar, white papers). Great content doesn’t just attract traffic to your website… it converts this traffic into action – repeat customers and sales. Content Marketing incorporates each of these elements and varied content types into a program schedule that tells a story. (see articles - The Art of Storytelling - and - Content Calendar Plan Ahead!
Host a MeetUp or Networking Group
Networking isn’t always online and a MeetUp group gives the opportunity for small businesses to network in a face to face setting. Businesses are able to increase their offline network and build relationships. Your business increases exposure and brand awareness building a positive effect on customer relationships.
Participate in Online and Social Media Groups
LinkedIn groups and Google+ communities allow you to increase your online network with potential new customers. Engage in conversation, share insights and build your brand credibility. Share links to your blog posts that are relevant to the conversation topic. Expand your social media networking with popular Facebook, Pinterest, Instagram, Snapchat and Twitter. Market your business in a social way in networking or interest groups. You can reach potential customers outside your geographic location and promote products, events and activities.
Collaborate and Team Up with other Businesses
Create business partnerships for an event or activity to raise brand awareness. Read up on a business community based Pokemon Hunt on page 4 This is just one example, but consider what other areas you can build partnerships and collaborate with other local businesses.
WAHP Business Australia
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Marketing
Content Calendar Plan Ahead!
Consider each piece of content part of a jigsaw puzzle that when it all comes together in a certain order tells a story. You don’t want to drop all the information in one hit. A Content Calendar allows you to strategically plan your content and drip-feed your story to potential customers.
Helen Dayman WAHP Business Australia
Page 16
Published by WAHP Business Australia
Marketing 9 key elements make up good content. Get each of these elements right and you will be onto a winner.
1) Create Original Content – new concepts and ideas 2) Strong Headlines – sparks interest and invites readers to read the 3) 4) 5) 6) 7) 8) 9)
rest of the content Be Actionable – offer tips on how this information can be used now Provide Answers – content is easy to scan for key information elements Check Facts and Sources – all content information should be verified for accuracy Engaging Content – comments on blog and social media posts get the attention of search engines Use Images and Video – images add value to content, explain or give more visual detail Concise and to the Point – eliminate excess word usage, be direct and informative Update and Follow-Up – regularly blog updates and follow-up content on the same topic
Your content calendar should be telling a story about your business. Each piece of content should include the 9 elements. As part of the storytelling process each part of the story will be shown in different formats. Variety is the spice of life! So keep it interesting. You might start off with a blog post, podcast and then an image shared on Pinterest. Each of these content tell a part of the story building on the previous. Incorporate a few of these content types into your Content Calendar – Lists – 5 tips for better networking Successes and Failures – How your product has solved issues; How the company has faced challenges How To – step-by-step how to information Why – powerful with fact-driven information based Guides – Worksheets – Checklists – Templates: detailed, step-by-step information in a printable or Case Studies – Testimonials – Quotes: tells your downloadable format customer’s story in their own words and how your Ebooks – White Papers – Audio Books and business has helped them. Infographics: add value with additional content Q&A – works best in video format as a webinar or providing detailed or summary information podcast Data Visuals – pie charts, bar and line graphs show Company News – share information from the latest raw data in a visual context adventures to the simple daily news Photography – Memes – Cartoon – Screenshots: digital visual content that complements text on research
These are just a sample of the various content types that you can use to inspire interest and exposure for your business.
Brainstorm creative ideas with your team!
WAHP Business Australia
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Marketing
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Published by WAHP Business Australia
Marketing
Network like a Pro
Tips for Face-to-Face Networking It is easy to get caught up in online networking via social media platforms. These are integral to your business marketing plan, but should not be your only networking activity. There is no substitute to networking and meeting people face-to-face. Do you attend networking events as part of a group? It is easy to squander networking opportunities by staying in your comfort zone and talking to friends. Take the plunge and attend events by yourself. It is easier to approach a single person than approach a group. You are likely to make more connections too. Be selective in the types of networking events you attend. Ask yourself what you hope to achieve. Do you want to build collaborative relationships? An industry or like-minded networking event would meet your needs. Do you want to introduce your product to potential customers? You may find a more general networking event business people from all industries would be suitable. Arrive on time or early, this will give you opportunities to meet more people. Although don’t rush your conversations, it is unrealistic to expect to meet all attendees. A productive conversation with one person will be of more benefit than fleeting conversations with ten.
Take the initiative and introduce yourself first. Once this is done, the pressure is off and you can give the other person your full attention. Meet the other person’s eyes, smile warmly and shake their hand. Once you’ve introduced yourself, you can focus more fully on the other person. Show your interest by listening and responding. You will find that most people respond positively to confidence. Make sure you have a supply of business cards to exchange with other networkers. It is also important to follow up within a week of the event. Connect on social media the same day while your shared networking experience is still fresh. Follow up with an ecard, handwritten note, text or phone call. Leave a message letting them know you enjoyed meeting the person. Don’t rely on email alone as it may not make it to the intended inbox – email filters sometimes do too good a job. Connections made at these events can then be continued through phone and social media contact. Networking face-to-face will expand opportunities for your business.
Helen Dayman WAHP Business Australia
WAHP Business Australia
Page 19
Money
Lending -
What you NEED to know Let’s talk finance and what you need to know before applying for your next business or personal loan. What’s important? Applying for finance, making your application more attractive, and lastly credit reports, credit scores and who your crediting reporting bureaus are. Applying for Finance
Attractive Loan Application
Any type of finance for either business or personal has some key requirements. Most bank or finance companies require you to be 18 years or above, Australian or New Zealand citizen and live in Australia.
What makes your loan application attractive? You need to show that you are a good candidate and prove you can afford the repayments.
You must meet the minimum income requirements Be employed or self employed and have a consistent income stream; Good credit rating; Not be bankrupt or undertaking bankruptcy procedures. Some Finance companies will allow applicants to hold Australian permanent residency or have an eligible visa. Minimum income requirements are at the discretion of the company. Check the company’s website and FAQ’s to find the exact information.
If you have more than two short term loans within the last 3 months, the finance team will not look favourably on your application. It may appear that you are not be able to manage your money.
What you can do A good idea would be to wait until the last payment of one of the loans has disappeared from your bank statement. Know exactly why you need the loan and the exact amount you need. This shows that you actually require it.
Be available to take any phone calls from the finance company to further clarify your loan application. Documents required when applying for Make sure you provide all necessary documentation finance are: as soon as possible, will help your application be assessed and a quick response. 2-3 types of ID (1 being photo ID); 3 months of bank statements ; Proof of Income (3-4 recent payslips) These documents are often submitted electronically, so you will require access to the internet and internet banking. Page 20
Published by WAHP Business Australia
Money Credit Reports Credit reports are a list of every time you have applied for a finance product. These can range from phone plans, electricity, short term loans to home loans and business loans. This list also details every time you have missed a payment, defaulted on the product as well as any payment arrangements. The report does not show that a contract amount has been repaid. This is only shown in the credit report after a contract has been in default and a payment arrangement has been successfully paid back. There is no such thing as a good credit report. You either have a Bad Credit Report - you may have some defaults; or a bankruptcy; or too many late payments; or too many inquiries. General Credit Report - you have nothing listed on your credit file or you have a few inquiries sporadically spaced over the last 7 years.
Credit Reporting Bureau There are four Credit Reporting Bureaus in Australia. The Bureaus may provide only personal credit reports or both personal and business credits reports. Equifax (largest agency) - www.equifax.com Experian - www.experian.com.au Dunn and Bradstreet ( Now known as Milton Graham) - www.dnb.com.au Tasmanian Collection Service (Tasmania only) - www.tascol.com.au
Credit Score
All four agencies collect data from finance companies A good Credit score means that there are no missed and will input these into your personal file. Some payments recorded on your credit report; and you finance agencies may only put a default notice on do not have any outstanding defaults or listing for one or two of the Credit Reporting Bureaus reports. bankruptcy. If you are unsure about your credit history, it is highly There is a guide for understanding your credit score, advisably to get a free copy of your report from each an excellent score would range from 833 to 1200, a of the bureaus. You can obtain one free report from very good range would be 726 to 832, a good range is each company every 12 months. 622 to 725 a average score would be 510 to 621 and a below average to average score would be 0 to 509. It is advisable to always seek professional finance advice or assistance. You should contact your The below average to average score is where you do Accountant and for general information check not want to be. This will make getting any type of out MoneySmart online. The ASIC’s Money Smart finance difficult. Website has a lot of information that may help you or your business when looking at financial options. Money Smart – www.moneysmart.gov.au
Reader Submission Caitlin Dayman
Experience in the finance sector of small to medium loans within customer service, processing and repayments.
WAHP Business Australia
Page 21
Money
Understanding
Online Payment Processing Online payment processing isn’t as simple as receiving cash payments at a weekend market or in a physical retail store. You need a service that can process payments and keep track of who paid, products purchased and when. Financial transactions must be secure and you have the ability to settle any issues or disputes.
There are a range of services that can process payments received by your business. This can include standard transactions and subscriptions. This gives you the opportunity to work in your business, create products and/or services and get paid. Your just need to decide which one best fits your business. But first…
need a wallet anymore? Most mobile phone cases have spaces to carry your credit cards and ID. With cash, you would just visit the bank and deposit any cash or cheques into your account. Your business would have a merchant account with the bank to process any credit card payments.
What is Payment Processing?
Today there are more options available
Credit cards, online banking and now mobile payments make it even simpler: Your money travels everywhere with you, accessible with paypass, a keystroke on the computer or mobile. Do you even
This is a front-end payment processor which is set into your website or app and is necessary to accept payments for your business online.
Our story could start at the beginning with the bartering system, but let’s skip ahead. Today’s world is moving towards a cashless society with the advent of credit cards and online banking.
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Payment processing involves a service that handles all payment transactions to your business. They would ensure the customers’ credit card details are correct and process the payment between the credit card provider and your bank.
Published by WAHP Business Australia
Money Helen Dayman WAHP Business Australia
Back-end payment processors handle transactions The Best Online directly between your customers' and your banks Payment Processing Systems to process the transaction. These are handled and managed by the front-end payment processors. What do you need to look for in a payment processing system? These 3 questions will help you make your If you have high volume sales, your may decide to decision. keep your bank as your payment processor. Most banks have the facility to process online transactions Does it support the payment methods you need? for your business. How much will you pay per month and per transaction? Are there any extra features you need in a payments The Most Common Types of tool, such as recurring billing or mobile payments?
Online Payment Processing Services
There are two main ways of paying for products with a credit or debit card: You swipe, tap or insert your card into a card reader at a retailer, or enter your credit card details in an online payment form. There are a variety of payment systems you could choose to use:
Fees are perhaps the trickiest to figure out. Most payment systems charge a percentage (say 2.9%) plus a fixed fee (perhaps 30¢) per transaction. That means if you sell a $10 item, you'll pay 29¢ for the percentage fee, along with the 30¢ fixed fee, for a total of 59¢. Some services may not include a fixed fee, while others may charge a monthly fee (say $39) instead of the fixed fee. There may be extra fees for refunds, disputes, other payment services and for international payments.
Account-based Payments: Signing into your PayPal account to pay for a product is one example of an account-based payment system. It is one of the simpler ways to accept payments on your site. Paypal handle the security as customers enter their Do your own research to find the best online payment details into a 3rd party site. payment processing system for your business. This information is provided as a guide to get you started. Direct Payment Services: If you build a custom We recommend to seek the advice of a professional eCommerce site and need to accept payments Accountant with experience in your preferred directly, you will need a tool to process payments. payment system. These services make it easy to do inside your own app. The service provides credit card payment support, with options to pay via mobile or digital payment systems within your own site or app. Merchant Accounts: If your business has a highvolume of sales you could open a merchant account with your bank to directly process payments.
WAHP Business Australia
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Money
There are many options available to receive payments online, over the phone and in person. Payment Gateways are an e-commerce application that authorises these payments and takes the place of traditional Bank merchant accounts. These are just a few of the most popular payment gateways. Do your own research first. This information is a guide to get you started.
Compare and Get Paid Paypal
Zip Pay or Zip Money
Simple online payments and credit cards.
Zip transactions are settled daily into your business bank account. Like Afterpay, Zip Pay/ Money absorb all the risks. You are guaranteed payment.
https://www.paypal.com/au/webapps/mpp/home
Transaction fees Online payments - 2.6% + 30c Website Payments Pro - Hosted solution - 1.75% + 30c Invoices - 2.6% + 30c Paypal Here card reader - 1.95% Paypal Here - Manual entry - 2.9% + 30c Virtual Terminal - 3.6% + 30c Donations - 1.1% + 30c
https://account.zipmoney.com.au/#/
Zip states on their website that there are no setup fees, no minimums or lock in contracts. One simple fee per transaction. The more transactions, the better pricing deal for your business. You will need to contact the Sales team to find out the fees.
Paypal is an ‘account-based payment’ system and is one of the most well-known payment apps. It has been processing payments online since 1999. Page 24
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Money Square
Stripe
Accepts credit card payments in person plus all types of transactions depending on hardware purchased.
Stripe has the popular ‘Pay as you Go’ system. Accepts all types of payments via an app. Domestic cards - 1.75% + 30c International Cards - 2.9% + 30c
https://squareup.com/au
1.9% per insert, tap or swipe 2.2% per eyed-in or online transaction Same rate for all major cards; no monthly or long-term contracts; deposits as fast as next business day; free to sign up and fast to setup. Square is a ‘direct payments’ service. It is more customizable than Paypal and lets you accept payments from more than just credit cards. With Square you have access to additional hardware ‘Reader’ that works alongside the app. You can choose from two models. The most popular one allows you to use paypass, swipe or insert for chip. You can purchase your Square Reader from OfficeWorks. Read more on page ?? in Technology section.
Afterpay
https://www.afterpay.com/en-AU/index Afterpay allows your customers to Shop now, Enjoy now, and Pay later. Your customers can purchase their item today, but pay for it in four equal installments. The bonus is that these payments are interest-free. As a business, you can offer your customers another affordable and simple payment option.It is a simple process. Customers select Afterpay at your checkout and no other personal information is required. The first installment is paid upfront and the customer gets their order straight away. The bonus for your business is that Afterpay settles and pays you up-front. Afterpay assumes all credit and fraud risks. Your customer pays off their purchase in regular installments directly to Afterpay. The website does not show potential businesses any fees. You will need to enquiry to find out more information.
https://stripe.com/au
There are no setup, monthly or hidden fees. You only pay for what you use. Your business can benefit from the real-time fee reporting. You can also use Stripe Billing with tools to build and sale your recurring transactions. Stripe is one of the more popular ‘direct payments’ services. It offers a simple, beautiful payment experience. Stripe works everywhere. Your business can even accept payments via Apple Pay, Google Pay and Alipay. Your customers can pay the way they want. Keen on building a subscription service? Want to add coupon codes and special discounts? You manage them right inside your payment management with Stripe.
Shopify
https://www.shopify.com.au/ Running a full store - Starts from $29/month Plus transaction fees Online Australian credit card rates - 1.75% + 30c Online International/Amex credit card rate - 2.9% + 30c Additional fees using all payment providers other than Shopify Payments - 2% Shopify is an online store with a ‘built-in payment service’. Shopify gives you the tools to save time and run your store. You get an all-in-one experience and can get on with selling your products. You can also accept payments with the one account. Quickly build your online store with Shopify's templates. List each of your products, and easily use the builtin Twitter ’Buy Now’ buttons. Included is dedicated Facebook store page tools to assist you in selling your products on social media. There is no extra work to accept payments. Just opt in to use the Shopify Payments. You will be processing credit card payments at similar rates to other payment services.
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Technology
Helen Dayman WAHP Business Australia It has been 12 months since Google first started rolling out warnings on non-secure websites. There are still many sites that are shown as unsecure in Google search and in browsers. Is your website one of them? The key changes are SSL Certificates and https. Let’s break it down. What is SSL? SSL stands for Secure Socket Layer. It is a protocol that helps to encrypt communications over a computer network and/or internet. What is https? HTTPS is Hypertext Transfer Protocol Secure and is used to transmit secure communications over a network, like the internet. Your data is kept safe. HTTPS ensures that no-one tampers with the data and it is unable to be forged. You may have already seen a few warnings pop up on pages you visit that only use the http: protocol. Google announced in 2014 the change from http to the more secure https protocol. How is the data more secure? Authentication – verifies the ownership of the website. Sadly, many websites have been scraped and duplicated. Now you can check for the green lock to identify a secure website. Data Integrity – a secure website reduces the risk of data being tampered in transit. Encryption – security of communications between client and server. Data in forms and credit card information for ecommerce sites are encrypted to protect data. Page 26
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Technology
SSL & Google How does it affect your Business website How to identify a secure website? Symbols will be shown in the address bar Secure Website – If you have used Chrome, you may already have seen the green lock or a closed lock. This means a SSL certificate has been installed and the site is secure. Unsecure Website – an open lock will be shown. This means that the website is not using a private connection, there is no SSL certificate and data could be at risk. Dangerous Website – a warning triangle symbol is shown. This means that the website has been flagged as dangerous. Within Chrome browsers, all websites without an SSL certification will display the ‘not secure’ red triangle. How will this affect your website and business? You may already have seen some websites affected. You go to a website and a warning message comes up. Google is rolling out these security warnings in stages. This means that these changes have the potential to affect all websites who do not have a SSL certificate and https. Traffic will be reduced to non-secure sites. Without a SSL certificate for your websites, you risk losing traffic and business. New customers searching online will by-pass websites that do not have the SSL certificate and use the https protocol. Existing customers will be unable to make purchases online as eCommerce payment gateways are stopping payments from nonsecure sites. What can you do now? Get your website secure and meeting the new security standards. This means a SSL certificate for your website and access via https. You may be able to purchase SSL certificates through your hosting provider, and some may provide one free as part of the hosting package.
In a nutshell… to operate your business online – you need a SSL certificate and https access.
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Technology Natalie Crowe
Natalie Crowe Designs
Blog, Connect, Share and Attract A website has many parts. General web pages and products information pages don’t often change. This poses a problem for business owners. They want to encourage repeat business from past or existing customers, as well as attracting new potential customers to their website through the search engines. Search engines demand businesses prove themselves as worthy ranking candidates. It’s important that relevant and quality content is built into your longterm website management strategy. This will benefit your online business growth.
and the length of your content - you have the potential of seeing great results long-term with your stance in the online community.
You are writing for your target market rather than the search engines. So use ‘plain English’ for titles and The Blog function of your website can help promote description. Avoid keywords or phrases that don’t your business. Your online blog offers one central flow with your blog post content. “Keyword stuffing” location and user interface to manage unlimited is frowned upon by the search engines. number of blog posts. Break up your content by using the inbuilt HTML Many businesses with an existing website may employ heading tags (H1 through to H6) and relevant images. a developer to optimize their overall site. These Ensure your content has minimum of 300 words per businesses would do better to focus on their blog post. Write about the topics that your target market and content writing to improve rankings and online wants to read. This may mean you write multiple presence. blog posts covering bite size pieces of your content. So… What is a blog? A blog is an abbreviation for Your content needs to resonate with your audience. “Web Log”, like an online diary for your business. A Position yourself as the expert. blog is designed to share information, knowledge and connect with the public, search engines and Listed chronologically, your blog consists of a series importantly your target market. of articles that updates your customers and public about events, promotions, and what you’ve been As the content creator and website owner, you have a working on - more readily available. Give an insight great deal of control when it comes to the level of detail into what makes your business tick… Your customers that is shared with the world. If the basic protocol is are interested and want to know more about you and followed with regards to the use of keywords, images your business. Page 28
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Technology
Each blog post will have its own link on your website “Permalinks”. Over a year, posting one blog post a month generates 12 new permalinks that have been created linking back to your website. Plus… you are engaging with website visitors and customers, writing content that your users love. Continue interacting! Visitors to your blog may refer to the blog post and revisit often.
The internet is full of amazing resources for tips on writing blogs and how to go about it. You could also contact your developer to assist you with setup of your website. They can also provide guidance where best to focus your attention when content writing. Get started now (if you haven’t already). Write quality content to your Blog.
Distributing your blog and blog posts online through Social Media encourages clicking on the posts and pages as they appear on the search engines. The search engines will recognize this change and gradually move your website up the rankings. You have heard CONTENT is KING. That is not an invitation to pump out a heap of blog posts in one day and you’ll automatically be pushed to the top of the search engines. Sadly, it doesn’t work that way. Content may be King, but QUALITY Content rules above all. Write content that matters. Answer questions and queries your customers and visitors want to know. Position yourself as the Expert in your industry. This may be a better long-term approach. Use the general rule of quality over quantity, followed by consistently creating and distributing relevant content. Each blog post should be a minimum of 300 words with images or embedding a video on your page relevant to the topic of your blog article. Images and video grab attention and quality content will keep their attention. Overall, this will improve your engagement. IMPORTANT: Plan Ahead - Schedule time to create regular content to your website. Beyond… it’s all about distribution of that content on a regular basis to search engines, and via social media and your newsletters.
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Technology
Top 8 Business Apps
for October 2018
Works in the background as you drive. Automatically logging your miles and keeping a complete record. Ideal for tax reporting or reimbursement of travel. Add vehicles, purpose and locations – MileIQ is tailored to fit your needs. Detailed reports are only onetap away. All data is stored securely in the cloud. Keeping business and personal separate is easy with MileIQ. Swipe left for personal and swipe right for business drives. The MileIQ Dashboard is available on your laptop, desktop or tablet. Pricing – Freemium – Basic includes 40 free drives every month. Premium – Monthly $5.99 ideal for short-term projects and occasional driving / or Annual $4.99 is best value for automatic logging and reporting Teams – for companies with employees (enquire for price)
Bundled free with Office 365 Website: www.mileiq.com
Your busy, but something online has caught your eye. Pop it in your Pocket for later. You can use the Pocket app the same way. Put articles, videos or just about anything into pocket. Save directly from your browser or other apps like Twitter or Facebook. It will be safely kept in Pocket. If it’s in Pocket - it’s on your phone, tablet or computer. You don’t need to be connected to the internet. It is there whenever you have a moment free to catch up. Pricing – FREE Website: https://getpocket.com Page 30
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Technology
If you sell products online, you have probably been looking for this solution. ShipStation is a time-saving ecommerce solution to streamline your shipping.
Pricing selling
– all packages channels with
include across all unlimited stores
Cloud-based, this app is easy to use. You can process online orders, get order alerts, print shipping labels, track shipments and more.
30 day free trial Starter - $9/mth – 50 shipments/mth Bronze - $29/mth – 500 shipments/mth Silver - $49/mth – 1,500 shipments/mth and Key features and most important is that ShipStation customized packing slips and branded labels plus 2 integrates with most e-commerce platforms including users. WooCommerce and Shopify. You can streamline the Gold - $69/mth – 3,000 shipments/mth and 3 users shipping process to fit your business needs. Platinum - $99/mth – 6,000 shipments/mth and 5 users Quick setup – connect your selling channels (stores) Enterprise - $159/mth – unlimited shipments and 10 and add Australia Post or other carrier. Connect users selling channels, carries and integration tools in seconds. Create and batch print shipping labels with a few clicks. Update order status and tracking info, Website: www.shipstation.com/ customers email confirmations and direct integration with Fulfillment by Amazon too.
Time tracking tool that is available as a mobile app. If you have Quickbooks Online, you will already have Users can clock in and out; track time (with or without TSheets bundled into this package. cell coverage). Managers can track team members individually or as a group. Pricing – Admins can see who is working and where. Admins 14 day free trial (no credit cards) can also create, edit and publish scheduled jobs or All plans include unlimited projects shifts. Other features include automating timesheet alerts, track paid time off, sick days and holidays. 1 user: FREE and includes scheduling Pay Monthly - $5 per user per month; 2-99 users $20 base fee/mth; 100+ users $100 base fee/mth; add scheduling $1.25 per user per month Pay Annually - $4 per user per month; 2-99 users $16 base fee/mth; 100+ users $80 base fee/mth; add scheduling $1 per user per month Website: www.tsheets.com
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Technology
A must have in your app stable. SOS automatically backs up your files online and provides military grade multilayer encryption.
Pricing – Free Trials – Personal (15 days) and Business (30 days)
Key features – offers secure online backup, stops loss of files, provides 100% privacy.
Home/Personal – from $4.99 per month – up to 5 PC & Macs, unlimited mobiles
Backup all of your devices – mobile, tablets, computers, portable hard-drives. Supports IOS, Android and Windows and Mac. Files are never deleted. You can save unlimited versions of documents. Extensive support documentation for all platforms is available.
Business – from $29.99 per month – unlimited PCs, Macs & Mobiles, supports MS SQL, Exchange & SharePoint, 24/7 Priority Phone Support.
Do you need to record incoming or outgoing phone calls? Conducting a phone interview and want a recording for later transcription? This is the app you need. A bit of a learning curve and recommended to test run first to ensure you have the right settings and recording both sides of the conversation. ACR is available for download from Google Play for Android only. Due to two way call recording not being fully supported on Apple devices, there is no IOS version.
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www.sosonlinebackup.com
Note – For legal purposes, you should advise the other person that you are recording the call. Pricing – Free - (includes adverts) Pro License - $3.29 – Premium Features: ability to record by contact, start recordings during conversation; dropbox and google drive integration; auto email and auto delete short recordings. https://nllapps.com/
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Technology
Payment app for businesses that uses a small portable card reader that attaches to the phone or mobile device for fast and convenient payments. Collect payments direct from your customer at the markets, their business or in your office. Square accepts all major credit cards – Visa, Mastercard and American Express. For bricks and mortar businesses, Square also has a point-of-sale system called Square Register. Pricing – Square Reader for Chip Cards - $19 Contactless and Chip reader - $59 Stand for contactless and chip payments costs $299
A task management app that provides a visual overview on what is being worked on and who is working on it. Trello is designed as a series of boards with lists that are filled with cards. It has everything you need to organize projects of all sizes. You can add comments to cards, upload files, create checklists add labels and specify due dates. With Trello you can now organize your projects in a flexible and rewarding way. You see each task as it is achieved. Trello is the roadmap to your business projects.
Fees 1.9% for payments made by swipe, tap or insert. 2.2% keyed-in card payments Includes – fast deposits (1-2 days); point of sale app; analytics and sales reporting https://squareup.com/au
Enterprise – ($20.83 or less per user/month paid annually) all features from free and business class; single sign-on; enable 2-factor authentication; dedicated account executive; receive onboarding assistance to aid migration of materials; phone and email support; file encryption; and more.
https://trello.com
Pricing – Free – unlimited boards, lists, cards, members, checklists and attachments; one power-up per board; attach files up to 10mb or link file from Google Drive, Dropbox, Box or OneDrive. Business Class – ($9.99 per user/month paid annually) all free features plus; unlimited power-ups including integrations to numerous apps; attach files up to 250mb; group and organize team boards into collections; overall control of members; company info private with restricted membership; email support. WAHP Business Australia
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Lifestyle
Feel Great - Live Great Each of our emotions are positioned somewhere on the scale between Depression and Joy. Circumstances can cause emotions to fluctuate to the lower end of the scale. From boredom to stress and feeling overwhelmed.
Everything we do comes from – Who we are! Creating a stress-free life will lead to increased health. Stress is the number one cause of cancer and heart disease. A rich abundant life can never be created from negative thoughts and fears.
Changing HOW we think - and what we think about - can move us up the line. Taking the step to change how you think and it is possible to never be depressed again. Take To become happy, we believe all we need to do that step and move up through stress and is fix our health, fitness or our financial situation. feeling overwhelmed. Move from frustration and Feeling stressed and overwhelmed will not help boredom to a place of passion, happiness, peace you feel good about taking time out to go to the and joy. gym. Moving up the scale is not restricted to just those Sadly, this will only be a temporary or short-term odd moments of happiness on holidays or special fix. You want a permanent solution. gatherings‌ but every single day. Fix your thinking first. You will find it easier for all areas of your life to improve. How does this work?
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Lifestyle My Story: Nine years ago, I found myself depressed to the point of suicide. Due to many allergies I could not take the risk of being on anti-depressants. I realised that I was in a prison of my own thoughts. If I could change my mind, then I could change my life. It took a few years but now I can stay between passion and joy every single day of my life. In my course “Feel Great -Live Great�, I take you step by step through the process I took to overcome my depression. For my step-by-step online course, a closed Facebook group and as much email mentoring as you require: Sign up today at:
Feel Great - Live Great. It could be the best $99.00 you ever spent. Maryanne Watts
Being Your Thoughts http://www.beingyourthoughts.com.au
WAHP Business Australia
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Lifestyle
Understanding
myGov
Accessing government services are increasingly being directed towards the myGov app. myGov is a secure way to access government agencies and services online with one login and one password. Over the next few years there will be an increasing range of government agencies and services that can only be accessed online via the myGov platform.
Services participating in the ‘Update your Details’ service are Australian JobSearch, Australian Taxation Office, Centrelink and Medicare.
Like many new online services, the rollout of myGov has not been without a few hiccups.
myGov does not hold any information about users. It acts as a central hub and conduit between the different online systems run by each government agency.
Understanding how this service works may help you navigating myGov less stressful.
A big bonus is that you can now use the ‘Update You can link these government services to your Your Details’ service to update your address and myGov account: contact details. These changes are then sent to your linked government agency.
lAustralian JobSearch | Australian Taxation Office | Centrelink | Chi d Support Department of Veterans' Affairs | HousingVic Online Services | Medicare My Aged Care | My Health Record | National Disability Insurance Scheme National Redress
You can access all correspondence from the one myGov Inbox. Keep your letters, statements and messages safe, secure and in the one place. You can get notices from: Australian Taxation Office | Centrelink Child Support | Medicare Department of Veterans' Affairs National Disability Insurance Scheme
Protecting your Privacy Linking each of the different government service agencies to your myGov can be daunting and is designed to be secure. This process places security of your private information as very important. Access is only granted after you provide several different types of identification that are specific to you.
If you have an ABN, you can connect it to your Types of identification or information required myGov account and then Manage your ABN as proof may differ depending on the service Connection.. See our article in Business on page 8. agency. Each myGov request is personalised to the information already held by that agency. It is very similar to a bank’s two-tier ID requirements. Page 36
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Lifestyle How to use myGov
Problems with myGov?
It is quite easy to setup your myGov account. Let’s get you started by creating your myGov account.
You can also call the myGov helpdesk on 13 23 07 and select Option 1 (Monday-Friday 7am-10pm, SaturdaySunday 10am-5pm).
1. Go to my.gov.au and select Create a myGov account. 2. Read the terms of use, then select I agree to continue. 3. Enter an email address. (This email can only be used by one person and one myGov account. It can’t be shared.) 4. You will receive a confirmation code by email. Enter that code into your account application. 5. You will be offered the option to add a security code to your account (see below). 6. Create a password. 7. Choose and answer three secret questions. (Select questions that only you can answer, easy to answer and are unlikely to change over time.) 8. Congratulations, you have now created your myGov account. Look out for an email with your myGov username. You also have the option to use your email address or mobile phone number to log in. You can now set up your myGov Inbox notification preferences or link your account to other government agencies such as the ATO, Medicare and Centrelink.
Security Codes Security codes add extra protection to your myGov account Instead of answer your 3 secret questions each time you log into myGov, you can opt for using a Security Code. These add an extra level of security and protection to your myGov account. To activate Security Codes, you can either turn on during your initial setup or do it later. Sign in and follow the prompts. More information is available at the myGov security codes pages. If you have Security Codes activated, each time you attempt to sign into your account a security code will be sent via SMS to your mobile. You will need to enter this security code to login.
Using the myGov app You can access the myGov service by the website at https://my.gov.au or you can download the myGov app free from the App Store or Google Play. Advantages to the app is that is available at your fingertips on your mobile. The app also creates a one-time access code for your mobile device which you can enter after your username and password. This code can be used instead of the SMS code or answering a secret question.
Helen Dayman WAHP Business Australia WAHP Business Australia
Complaints or suggestions about myGov can be made using the Centrelink feedback form. You ay need your Centrelink Customer Reference Number (CRN), if you don’t have one you can select Third Party Organisation option at Step 2. Enter myGov as organisation name and then complete your details. Make it very clear your complaint relates to myGov, you will then be directed to the myGov team. myGov only handle enquiries bout the myGov service or your myGov account. Enquiries regarding other agencies, should be direct to that agency. myGov service is designed to help you navigate the many services the government provides and linking services you use in the one place.
Linking Services to your myGov Once your myGov account is setup, you can now link it to government services and agencies. Medicare and ATO are often linked. Let’s link your myGov account to the ATO: 1.Log into your myGov account. 2.Go to the Services page and find the ATO listing. Select to start the linking process. 3.Agree to myGov storing your legal name and date of birth. 4.Provide additional information to identify your ATO record: 5.If you have an ATO online account, use your Tax File Number (TFN) and ATO account password to link myGov. 6.If you don’t have an ATO online account, confirm your identity by answering a series of questions specifically related to you - your TFN, given name, surname and date of birth. This information must match exactly the details held by the ATO. 7.Have your details have changed since you last dealt with the ATO? You will need to update them before you can complete the link. (Visit www.ato.gov.au and search for ‘updating your details’.) 8.Agree to the terms and conditions. 9.Answer two questions from information in: a)a notice of assessment received in the past five years b)a PAYG payment summary received in the past two years c)a super account statement from the past five years d)a dividend statement from the past two years e)a Centrelink payment summary from the past two years 10.Bank account details (must be the account your income tax refund was paid into last year, or has earned interest in the past two years) First time tax lodger - you will need to call the ATO to get a unique linking code to help complete this process.
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Lifestyle
How much Do you Love YOU ? We often find it super easy to take care of everyone else. Even think that we can go on without recharging ourselves frequently. We are experts at neglecting our own needs.
When we love ourselves more, that pure energy has a positive ripple effect on everything and everyone around us. We smile more, we’re more relaxed and more focused when interacting with others.
Take a moment to think about… What happens to our family, job or business, if we work ourselves to burn out stage?
It may take a little juggling around when we start out. As a Mother of 4, I know it’s a bit tricky to get our head around this self-love concept at first. I encourage you to create at least 30 minutes a day. Do something only for yourself, simply because you love that something.
I believe it’s so important to love yourself. To show with daily different acts of kindness, just how much!
There are constant pressures on us. How can you Are you wondering how you can set aside 30 minutes expect to be loving, caring and patient towards others, a day for yourself? You may need to find that 30 if you are running low on love, kindness and patience. minutes more than you realise. Ask for help! It is a sign of courage and strenHow gth when you do that. Each of us can only give, what we have. Page 38
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Lifestyle
A few ideas to get you started: Treat yourself to a manicure, facial, pedicure, massage or haircut. Recharge and take a nap. Enjoy a drive with windows open and the music up. Catch up with your favourite funny TV show. Take a moment to look through an old photo album and reminisce. Create a new photo album with special memories. Get creative and start a new craft or pick up an old one.
Catch your breath, sit in your favourite cafe and observe the people around you. Read a magazine or visit your local library or museum. Check your bucket list and plan a vacation. Embrace the outdoors - watch the clouds and see what shapes you can find; listen to the birds chirping; walk on grass barefoot and connect with Mother nature. Get creative - paint, draw, design a new look for any room in your home or write in your journal. Declutter your life, one drawer at a time. Write down three things that you appreciate every day‌ Or simply, sit still and do absolutely nothing. Follow your intuition as to what relaxation activities you can do for 30 minutes a day. If you can’t decide, try something that you would organise for your best friend. When your friend feels a bit down, what would you do to help them relax? Create a fantastic day! With Love, Cindy Fox WAHP Business Australia
Reader Submission Cindy Fox www.cindy-fox.com
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Halloween Fun for the Kids Cotton Ball Ghost Materials: Cotton Balls Ghost Template ~ which includes all the adorable ghost faces! White and Black paper White Glue Scissors How to assemble your little ghosts: Print and cut out all the parts for the ghost. Apply glue to the entire ghost shape. Squish cotton balls into the glue, covering the ghost shape entirely. Glue the eyes, and mouth onto the cotton-filled ghost, and your all set. Easy!
Wrapped Mummy Materials: Cardboard tube (empty toilet roll) Toilet Paper/white wool/bandage Googly Eyes Black Paint Paintbrush and Glue How to assemble your hanging bat: Paint cardboard tube. Once the tube dries, glue on the googly eyes. Wrap your Mummy using your choice of toilet paper, wool or bandages.
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Kids Zone
Hanging Bat Materials: Cardboard tube (empty toilet roll) Paint (black or brown) and paintbrush Paper (black or brown) Black Chenille Stems Googly Eyes Bat Wing Template Scissors, Glue, Single hole punch
How to assemble your hanging bat: Paint cardboard tube. While the tube dries, draw the bat wings (use template) on the paper and cut them out. Glue the wings onto the back of the cardboard tube. Cut out some little triangles from the paper to make ears. Glue the ears, googly eyes onto the bat and use the market to draw a mouth.
Punch two holes in the bottom of the cardboard tube for the legs. Cut a black chenille stem in half. Twist one end of each through a punched hole. To make the feet, cut off one inch from each leg. Wrap the piece around the bottom of each leg. Fold the middle part of the foot to make a hook for hanging.
Paper Plate Spider Materials: Small Paper Plates (2 per spider) Acrylic paint Googly Eyes (8 per spider) Chenille steps (4 per spider) Paint brush, glue, scissors and stapler
How to assemble your spiders:
Hold the two paper plates together with the leg in between the plates and staple it down.
Pain underside of two paper plates and let them dry. Once dry, cut the 4 chenille stems in half to make Do this with all 8 legs then use the stapler to 8. close around the rest of the plates. Bend each stem once to make a leg. Glue on 8 wiggly eyes on the top of the spider. Punch a hole in the top of the spider and tie a white string to hang it up. WAHP Business Australia
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Kids Zone
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Kids Zone
WAHP Business Australia
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Recipes
Tasty Delights
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Published by WAHP Business Australia
Recipes
Source –www.delicious.com.au
Preparation - 15 minutes Cook time - 15 minutes
Ingredients 500g fresh Ricotta 1/3 cup Parmesan - finely grated 1/2 tsp dried Mint 1/4 cup Mint leaves - chopped 100g baby Spinach 1 garlic clove - crushed 1 egg, lightly beaten 1/3 cup wholemeal Flour
Recipe - Phoebe Wood
Ricotta & Mint Fritters 1/2 cup extra virgin Olive Oil 2 tsp wholegrain mustard 1 tbsp Apple Cider Vinegar 2 cups Sugar Snap Peas - blanched 2 cups Watercress Sprigs 1 Avocado - cut into wedges Micro Cress
Place ricotta, parmesan, dried and fresh mint, spinach, garlic, egg and flour in a bowl. Season and stir to combine. Heat 1/3 cup oil in a frypan over medium heat. Use 2 tbsp ricotta mixture for each fritter - shape into balls with floured hands. Flatten slightly, then work in batches cook, turning once for 5 minutes until golden and crisp. Keep warm until all ricotta mixture finished. Whisk mustard, vinegar and remaining 2 tbsp oil in a bowl. Season. Arrange fritters, peas, watercress and avocado on serving plates. Drizzle dressing over top and sprinkle with micro cress. WAHP WAHP Business Business Australia Australia
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Recipes
Source - www.bestrecipes.com.au Photo by Melissa
Stuffed Capsicum Serves 3 Cook time - 1.15 hours
Ingredients 6 red capsicums 500g beef mince 1 onion diced large 4tbsp rice 440ml can tomato soup 570g pasta sauce 300ml water 1/4 cup cheese - grated 1 pinch salt and pepper Fry onion. Add water and rice. Simmer for 10 minutes. Stir in mince and bolognaise sauce. Add salt and pepper to taste. Stuff capsicums with mince mixture and place in ovenproof dish. Pour soup around capsicums. Sprinkle grated cheese on top and bake at 180c for 55 minutes or until capsicums are soft. Page 46
Source - www.bestrecipes.com.au Recipe by Alidee
Brocoli Cashew & Cranberry Salad Serves 4 Preparation time - 10 minutes
Ingredients 2 broccoli stems trimmed (cut into pieces)
2 cup toasted cashews (or crushed) 1 cup dried cranberries 1/2 red onion - finely chopped 1/2 cup mayonnaise 1/4 cup hot water Place broccoli, onion, cranberries and cashews in a salad bowl. Mix mayonnaise with hot water in a separate and then stir through salad ingredients. Cover and allow to rest until cold. Tip - wash the cashews, drain and salt them a little then roast them in the oven for about 20 minutes until golden/dark brown. Published by WAHP Business Australia
Recipes
Source - www.bestrecipes.com.au Recipe by Marie
Chilli Prawns Serves 4 Preparation time - 25 minutes Cook time - 25 minutes
Ingredients 1/2 kg prawns - uncooked 1 tbsp oil 1/2 cup fresh basil leaves chopped 2 tsp lime rind - grated 1 tsp chilli fresh - chopped 1 tsp garlic fresh - minced Combine all ingredients in a bowl and refrigerate for a few hours. Cook prawns in a heated, oiled grill pan for a few minutes each side until cooked through. Serve with salad or salsa.
WAHP Business Australia
Source - www.tastes.com.au Recipe by Silvery
Cob Loaf Spinach Dip Serves 8 Preparation time - 10 minutes Cook time - 20 minutes
Ingredients 450g cob loaf 250g frozen spinach - thawed 250g cream cheese - soft 300ml tub sour cream 40g pk French Onion Soup mix Crackers - to serve Preheat oven to 180c/160c fan-forced. Line large baking tray with baking paper. Cut 4cm off top of cob loaf to form lid. Scoop bread from centre of loaf, leaving 1.5. Tear or roughly chop bread pieces. Squeeze out extra moisture from spinach. Combine spinach, cheese, sour cream and soup mix in a large bowl. Season with salt and pepper. Spoon mixture into loaf. Replace cob lid. Put on tray and arrange bread pieces around loaf. Bake for 20 minutes until golden. Serve with cut vegetables and extra crackers. Page 47
Recipes
Recipe Source – www.bestrecipes.com.au
Ingredients
Blackberr y & Apple Pie Preparation - 10 minutes Cook time - 40 minutes
4 sheets Short Crust Pastry (thawed) 4 Granny Smith Apples 300g Frozen Blackberry 2 tbsp Brown Sugar 1tsp mixed spice 1 cup walnuts
Preheat oven to 200c. Line base and sides of 20x30cm lamington pan with 2 sheets of pastry. Thinly slice apples, cobine with remaining ingredients and spoon into pan. Top with remaining pastry, sealing and decorating edges with fork. Make 2-3 slits in top, brush with egg white or milk. Sprinkle with caster sugar. Bake for 40 minutes or until apple is cooked and pastry golden. Serve warm with icecream, cream or custard. **Substitute blackberry with other frozen fruit - walnuts with pecans - or use puff pastry Page 48
Published by WAHP Business Australia
Recipes
Recipe Photo by AussiePassionfruit - Source – www.bestrecipes.com.au
Lemon, Coconut & Passionfruit Preparation - 5 minutes Makes - 10
Ingredients 3/4 cup Passionfruit Pulp 1 cup Lemon curd 2tbsp Water 1 cup Coconut Yoghurt 1tsp Vanilla Paste 1 splash Maple Syrup (to taste)
Scoop pulp from passionfruit. Combine coconut yoghurt and vanilla paste. Add a splash of maple syrup (optional). Stir water through lemon curd to thin slightly. Drop a generous spoonful of Lemon curd into your popsicle moulds. Top with a drizzle of passionfruit pulp followed by a generous spoonful of yoghurt. Continue to layer first with lemon, followed by passionfruit then yoghurt. Finish off the top of each popsicle with a good layer of passionfruit. Freeze at least 4 hours or overnight. Dip moulds briefly in cold water before removing popsicles. WAHP Business Australia
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