Agenda – Coffee Time – 26th August 2009
Open: Welcome
Apologises:
Who we are? What is coffee time? When & Where? Tuggerah’s Zenith Centre. At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.20 am for 10.30 am start. (Runs for about 1 hour)
Golden Rules - Can we show each other respect by only person to speak at a time. And hold all conversations, recommendations, till the end.
Update on:
SWNG Workshop in Sydney last fortnight was great. Next one is 23rd of September. If any one would like to come along, let me know and we can car pool.
Wyong Chamber of Commerce Annual renewals are due now. Good for networking
SWNG - I spoke to about 20 ladies at their luncheon on the 13th August about budgeting and finance. Went well, though very nervous, more practice and I will be a natural.
Women’s Boot camp – August 14/15/16– was held in Hurlestone Park. I spoke to about 70 women and men about business planning. It went well. They may be taking it around Australia and asked if I would like to come too.
Networking:
Tonight - B2B Function – Ourimbah Campus – 26th August. Should be another great night.
NSW Business Chamber and DSRD have a networking night on at Kooindah Waters on the 1st of September, 5.30 – 7.30 – cost is $50
Education:
September is Small business month and the DSRD is having a free business seminar for small business owners on the 15th at Mingara. You can find out what assistance you can get for your business.
Wins:
Has anyone any wins
Who are you?
Each person to say hi and who they are, what they do – 30 second spill
Presentations:
Tarnia Budgeting and Finance. Open discussion.
Items of Discussion:
Round table open discussion – but one at a time.
Friday, August 21, 2009
Minutes for Coffee Time - 12th August 2009
Coffee Time Minutes – 12th August 2009
Welcome: Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Apologises:
John, Tony, Karen, Mark and April, Deb
Attendees:
Tarnia Gurney, Ted O’Shannessy, Christine Jones, Andrew Durin, Karen Teunissen, Mark McCosker, David Norris, Simon Cook, Jenny Abourizk, Kate Morris, Ann Thomas, Rae Phillips, Craig & Natalie,
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Mark – Work out World is reopening in the centre
Ann – Business picking up
Dean – at the gym 3 days a week feeling great
Julia – daughter at Uni, going well
Toni – Reece (son) has been chosen to participate in the Central Coast Sports Academy for Golf – he is 14yr
Tarnia – employed a part time assistant, Michelle. Thanks to Jenny at Job Centre Australia
Kate – has organised $20,000 of donations and sponsorship for the Girls Night in - Breast Cancer fund raiser. In October, $55/person.
David - has 2, one of his clients received the top person in the industry for real estate, and one client went on a holiday and his business was still there on his return – first one in many years.
Mark – got his 17 yr old son work experience with schools support at a local mechanic shop.
Update on:
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it. Good networking over a meal.
Women’s Boot camp – August 14/15/16– to be held in Sydney. See Tarnia for more information. I will be presenting to up to 500 women on business planning.
Sydney Women’s Network – Membership if you would like to be a member of this group, please contact Tarnia and she will give you the details to join.
Sydney Women’s Network – Luncheon at Wallarah Bay on the 13th of August. I am presenting on budgeting and managing your finances.
Sydney Women’s Network – Expo on at Castle Hill. 19th August.
If you would like to come along please let me know and we can organise something
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August.
Education
BEC has a small business course on for business owners next week. See Kim, Deb or Lynne for further info
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Tarnia Gurney:
Gurney Financial Services
Assisting Families and Small Business in consolidation of
Superannuation and setting up adequate insurance.
Planningwerx4U
Assisting small business with their business plan and back office
Ted:
Send Out Cards – customer care program
Distribution and Networking business – greeting cards
Select your card, type your message, click, they print, pack and post it. Teaching others how to be come senders of cards. Marketing online
BDM for finance company
Christine Jones:
Wiggle n Giggle
Teacher of music 0 – 5 yrs, Primary school teaching of music and vocational care
Music classes for children and pre natal as well, teach the parents to bond through music in the womb. And a birth coach.
Jenny Abourizk:
Job Centre Australia
Assisting businesses with their staffing and assisting job seekers to find employment
Angela Anthony:
Angela Anthony Solicitor
Assisting in family matters, wills and power of attorneys, guardianships, and conveyancing
Kate Morris:
Joyful Healing and Wellness
Moving business home, working casual for a local business.
Empassion health care – body products for you.
Simon Cook:
Toshiba and World Pacific Telecommunications
Sales Manager for Toshiba – Photocopiers and Multifunction centres. If you want to save money on your phone bill contact Simon. Cheaper rates and better service
Mark McCrosker:
Supa Centre – Tuggerah
Picking up, people looking at leases. 15 leases signed and looks good for Christmas
Andrew Durin:
BizSav
Dedicated to save business money on utilities – electricity, phone, aswell as cars and other products.
Craig:
C & N Freight
Storage and distribution of freight on the coast and NSW.
David Norris:
Active Assist
Hornsby to Newcastle. Business owners, sole traders, and companies up to 10 people. Keeping businesses on line. Business Coaching and specialists
Rae Phillips:
Inspire Success
Human Resources – building relationships with staff, and building productivity. Assisting business to solve people problems. Now have some CD for sale with templates, forms, and policies on them.
Dean Brown:
Woodview Home Loans & Finance
Assist individuals and families with home loans.
Market slowing down a bit with First home buyers (FHB)
Ann Thomas:
Coffee News
Coffee News is a small flyer that goes to all coffee shops on the coast. You can advertise in there for a small fee. Affordable advertising. Weekly and everyone reads the articles and ads. One occupation per issue so no competition – (exclusive) Goes to all cafes and coffee shops on the coast. Available in Tuggerah, Toukley, Wyong, Terrigal, The Entrance, etc.
Toni Oliver:
Toni Oliver Conveyancing
Licensed mobile conveyancer, specialising in individual matters with buyers and sellers of property – from first home buyers up.
Julia Marr:
Nova Skill
Recruit and train apprenticeships
Offer advice and free training for up skilling Australians
Dept of Education are offering small business management courses for business owners. Contact Julia if interested
Presentations:
Welcome: Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Apologises:
John, Tony, Karen, Mark and April, Deb
Attendees:
Tarnia Gurney, Ted O’Shannessy, Christine Jones, Andrew Durin, Karen Teunissen, Mark McCosker, David Norris, Simon Cook, Jenny Abourizk, Kate Morris, Ann Thomas, Rae Phillips, Craig & Natalie,
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Mark – Work out World is reopening in the centre
Ann – Business picking up
Dean – at the gym 3 days a week feeling great
Julia – daughter at Uni, going well
Toni – Reece (son) has been chosen to participate in the Central Coast Sports Academy for Golf – he is 14yr
Tarnia – employed a part time assistant, Michelle. Thanks to Jenny at Job Centre Australia
Kate – has organised $20,000 of donations and sponsorship for the Girls Night in - Breast Cancer fund raiser. In October, $55/person.
David - has 2, one of his clients received the top person in the industry for real estate, and one client went on a holiday and his business was still there on his return – first one in many years.
Mark – got his 17 yr old son work experience with schools support at a local mechanic shop.
Update on:
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it. Good networking over a meal.
Women’s Boot camp – August 14/15/16– to be held in Sydney. See Tarnia for more information. I will be presenting to up to 500 women on business planning.
Sydney Women’s Network – Membership if you would like to be a member of this group, please contact Tarnia and she will give you the details to join.
Sydney Women’s Network – Luncheon at Wallarah Bay on the 13th of August. I am presenting on budgeting and managing your finances.
Sydney Women’s Network – Expo on at Castle Hill. 19th August.
If you would like to come along please let me know and we can organise something
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August.
Education
BEC has a small business course on for business owners next week. See Kim, Deb or Lynne for further info
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Tarnia Gurney:
Gurney Financial Services
Assisting Families and Small Business in consolidation of
Superannuation and setting up adequate insurance.
Planningwerx4U
Assisting small business with their business plan and back office
Ted:
Send Out Cards – customer care program
Distribution and Networking business – greeting cards
Select your card, type your message, click, they print, pack and post it. Teaching others how to be come senders of cards. Marketing online
BDM for finance company
Christine Jones:
Wiggle n Giggle
Teacher of music 0 – 5 yrs, Primary school teaching of music and vocational care
Music classes for children and pre natal as well, teach the parents to bond through music in the womb. And a birth coach.
Jenny Abourizk:
Job Centre Australia
Assisting businesses with their staffing and assisting job seekers to find employment
Angela Anthony:
Angela Anthony Solicitor
Assisting in family matters, wills and power of attorneys, guardianships, and conveyancing
Kate Morris:
Joyful Healing and Wellness
Moving business home, working casual for a local business.
Empassion health care – body products for you.
Simon Cook:
Toshiba and World Pacific Telecommunications
Sales Manager for Toshiba – Photocopiers and Multifunction centres. If you want to save money on your phone bill contact Simon. Cheaper rates and better service
Mark McCrosker:
Supa Centre – Tuggerah
Picking up, people looking at leases. 15 leases signed and looks good for Christmas
Andrew Durin:
BizSav
Dedicated to save business money on utilities – electricity, phone, aswell as cars and other products.
Craig:
C & N Freight
Storage and distribution of freight on the coast and NSW.
David Norris:
Active Assist
Hornsby to Newcastle. Business owners, sole traders, and companies up to 10 people. Keeping businesses on line. Business Coaching and specialists
Rae Phillips:
Inspire Success
Human Resources – building relationships with staff, and building productivity. Assisting business to solve people problems. Now have some CD for sale with templates, forms, and policies on them.
Dean Brown:
Woodview Home Loans & Finance
Assist individuals and families with home loans.
Market slowing down a bit with First home buyers (FHB)
Ann Thomas:
Coffee News
Coffee News is a small flyer that goes to all coffee shops on the coast. You can advertise in there for a small fee. Affordable advertising. Weekly and everyone reads the articles and ads. One occupation per issue so no competition – (exclusive) Goes to all cafes and coffee shops on the coast. Available in Tuggerah, Toukley, Wyong, Terrigal, The Entrance, etc.
Toni Oliver:
Toni Oliver Conveyancing
Licensed mobile conveyancer, specialising in individual matters with buyers and sellers of property – from first home buyers up.
Julia Marr:
Nova Skill
Recruit and train apprenticeships
Offer advice and free training for up skilling Australians
Dept of Education are offering small business management courses for business owners. Contact Julia if interested
Presentations:
David Norris – Active Assist
What is business Success?
· Profit
· Lifestyle
· Vision
· Reaching goals set
Success is?
· Achieving goals you set
· Achieving profits you want
Micro businesses find things harder than big corporations.
The difference is big business:
- Are more profitable
- Have clarity
- They know their products, services, marketing, processes, roles, measures, brands and everything has a system
For Micro Businesses to succeed, they too have to plan and prepare like the big corps. Micros need to build a plan, create a structure and have processes in place.
Micro need:
- to have focus,
- direction
- goals
- plan
- measure results
- prioritise where you are going
- Energy
- Keen
- Innovation
- Motivation
Micro Businesses need to ask themselves – am I satisfying my business owner.
Tarnia shared some stats about business planning.
• There was a study complete at Harvard Business School. The study was done over a twenty-five year period with 1,600 businesses. These were the results:
– 70% of the businesses in the study had no written or verbal plan
– 27% of the businesses in the study had verbal plans/goals only
– 3% of the businesses in the study had them written down
– 98% of the wealth was held by those 3% of the businesses in the study
Thanks David.
News - Work Cover have been in touch with me and have asked that we get all our questions together on Work cover and they will come out and answer them.
Please email all questions to tgurney@gurneyfinancialservices.com.au
Thank you all for coming along. Feel free to come along next time, bring a friend. Remember this group is for small business owners to help build relationships with other small business owners, and to offer assistance to others if needed.
For those available, please stay around and have a chat or catch up with someone.
Next Meeting:
Wednesday 26th August 2009 – 10.20 arrival for 10.30 starts.
Regards Tarnia
Monday, August 10, 2009
Agenda - 12/8/09
Open: Welcome
Apologises: Tony Bourke, Karen Teunissen, John Mann
Who we are? What is coffee time? When & Where? Tuggerah’s Zenith Centre. At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.20 am for 10.30 am start. (Runs for about 1 hour)
Golden Rules : Can we show each other respect by only person to speak at a time. And hold all conversations, recommendations, till the end.
Update on:
SWNG Workshop in Sydney last fortnight was great. Next one is 23rd of September. If any one would like to come along, let me know and we can car pool
SWNG Business Expo – Castle Hill on the 19th of August. If you are interested in Car Pooling with me, let me know. Leaving the coast at 3.00pm returning about 9.30
The next B2B book is in the pile line – if you would like to advertise please contact Lyn or Suzy. Competitive Pricing. And great opportunity for small business to get your name out there. Personally I have picked up 8 clients from the B2B book and networking nights over the last 12 months.
BEC organised for the Small Business Minister to come up. They came up last week and met with some of the coasts business owners. Many questions were asked about support for small business – the minister expressed that small business owners have until December 09 to take up the offer of 50% investment Incentive, which is for plant, vehicle and equipment; as well as the ATO putting in place assistance for Small business taxation. For further information please refer to www.ato.com.au
Wyong Chamber of Commerce annual renewals are due now. Good network of people.
Networking:
Women’s Boot camp – August 14/15/16– to be held in Sydney. See Tarnia for more information. I will be presenting to up to women on business planning.
Sydney Women’s Network – Luncheon at Wallarah Bay on the 13th of August. I am presenting on budgeting and managing your finances.
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August. Let Lyn know if you are coming along. Should be another great night.
NSW Business Chamber and DSRD have a networking night on at Kooindah Waters on the 1st of September, 5.30 – 7.30 – cost is $50
Education:
September is Small business month and the DSRD is having a free business seminar for small business owners on the 15th at Mingara. You can find out what assistance you can get for your business.
Wins: Has anyone any wins
Who are you? Each person to say hi and who they are, what they do – 30 second spill
Presentations:
Mark Izzard – Security
David Norris – Business Planning
Items of Discussion:Round table open discussion – but one at a time
Apologises: Tony Bourke, Karen Teunissen, John Mann
Who we are? What is coffee time? When & Where? Tuggerah’s Zenith Centre. At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.20 am for 10.30 am start. (Runs for about 1 hour)
Golden Rules : Can we show each other respect by only person to speak at a time. And hold all conversations, recommendations, till the end.
Update on:
SWNG Workshop in Sydney last fortnight was great. Next one is 23rd of September. If any one would like to come along, let me know and we can car pool
SWNG Business Expo – Castle Hill on the 19th of August. If you are interested in Car Pooling with me, let me know. Leaving the coast at 3.00pm returning about 9.30
The next B2B book is in the pile line – if you would like to advertise please contact Lyn or Suzy. Competitive Pricing. And great opportunity for small business to get your name out there. Personally I have picked up 8 clients from the B2B book and networking nights over the last 12 months.
BEC organised for the Small Business Minister to come up. They came up last week and met with some of the coasts business owners. Many questions were asked about support for small business – the minister expressed that small business owners have until December 09 to take up the offer of 50% investment Incentive, which is for plant, vehicle and equipment; as well as the ATO putting in place assistance for Small business taxation. For further information please refer to www.ato.com.au
Wyong Chamber of Commerce annual renewals are due now. Good network of people.
Networking:
Women’s Boot camp – August 14/15/16– to be held in Sydney. See Tarnia for more information. I will be presenting to up to women on business planning.
Sydney Women’s Network – Luncheon at Wallarah Bay on the 13th of August. I am presenting on budgeting and managing your finances.
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August. Let Lyn know if you are coming along. Should be another great night.
NSW Business Chamber and DSRD have a networking night on at Kooindah Waters on the 1st of September, 5.30 – 7.30 – cost is $50
Education:
September is Small business month and the DSRD is having a free business seminar for small business owners on the 15th at Mingara. You can find out what assistance you can get for your business.
Wins: Has anyone any wins
Who are you? Each person to say hi and who they are, what they do – 30 second spill
Presentations:
Mark Izzard – Security
David Norris – Business Planning
Items of Discussion:Round table open discussion – but one at a time
Saturday, August 1, 2009
Coffee Time Minutes - 22 July 09
Welcome:
Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Apologises:
John, Tony, Angela, Deb, Ann, Dean and Toni
Attendees:
Tarnia Gurney, Tony Bourke, Alan Jones, Ted O’Shannessy, Christine Jones, Andrew Durin, Karen Gough, Donna Llige, Cindy Steel, Mark McCosker, Simon Cook,
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Ted – Will be working as a BDM for a finance Company – North Shore and North Coast
Tony Bourke – AIIB – his book is on its way to Australia, there is to be a worldwide launch, 50 Authors, all about Service – title “in Service” will be released next week. If you would like to order, please see Tony for a form.
Christine Jones – in talks for the autistic school on the coast to teach music.
Karen – Her agency was able to assist a lady get a job & home and turn around her life
Update on:
Parenting and Baby Expo at Mingara – was good. Not as many people as last year - may have been due to holidays.
Heavenly Scent Candles turned one.
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it. Good networking over a meal.
Women’s Boot camp – August 14/15/16– to be held in Sydney. See Tarnia for more information. I will be presenting to up to 500 women on business planning.
Sydney Women’s Network – Membership if you would like to be a member of this group, please contact Tarnia and she will give you the details to join.
Sydney Women’s Network – Luncheon at Wallarah Bay on the 13th of August. I am presenting on budgeting and managing your finances.
Sydney Women’s Network – Expo on at Castle Hill. 19th August.
If you would like to come along please let me know and we can organise something
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August.
Education
BEC has a small business course on for business owners next week. See Kim, Deb or Lynne for further info
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Tarnia Gurney: Gurney Financial Services
Assisting Families and Small Business in consolidation of
Superannuation and setting up adequate insurance.
Christine Jones: Wiggle n Giggle
Teacher of music 0 – 5 yrs, Primary school teaching of music and vocational care
Music classes for children and pre natal as well, teach the parents to bond through music in the womb. And a birth coach.
Karen Gough: Australian Government Job Placement - CSR
Assisting people get jobs in the local community.
Cindy Steel: Sydney Women’s Network & Central Coast Women’s Network
Ladies meeting together to build friendships and support.
Luncheons on the coast bi-monthly – next one 13th August
Expos – Parramatta, Hills, Penrith
Workshops – self development and networking in Sydney – 4 over next 4 months.
Membership – either do 1, 2 or all meet groups.
Simon Cook: Toshiba and World Pacific Telecommunications
Sales Manager for Toshiba – Photocopiers and Multifunction centres. If you want to save money on your phone bill contact Simon. Cheaper rates and better service
Mark McCrosker: Supa Centre – Tuggerah
Picking up, people looking at leases. 15 leases signed and looks good for Christmas
Ted O'Shannessy: Send Out Cards – customer care program
Distribution and Networking business – greeting cards. Select your card, type your message, click, they print, pack and post it. Teaching others how to be come senders of cards. Marketing online
BDM for finance company
Debt Elimination – courses through community college
Andrew Durin: BizSav
Dedicated to save business money on utilities – electricity, phone, aswell as cars and other products.
Alan Jones: Active Assist
Hornsby to Newcastle. Business owners, sole traders, and companies up to 10 people. Keeping businesses on line. Business Coaching and specialists
Tony Bourke: AIIB Insurance
Clients in Sydney, Newcastle, Central Coast.
Business insurance – PI, PL, Workers Comp, protects businesses. Have you had an annual review of your general insurance, if not see Tony?
We are insurance brokers and can come out and help small business owners with a business health check up.
Also – my book “in Service” out shortly, $2 from every book to go to the cancer council of Australia.
Donna Llige: Ultra Print
Photocopying and printing, including wide format printing, scanning, laminating, binding
Presentations: Tarnia and Tony
Tarnia Gurney: Gurney Financial Services
Personal Insurance – you, your family and your business.
Facts:
1 in 11 women will get breast cancer this year
1 in 7 men will get prostrate cancer
1 in 5 will have a mental disorder – depression, bi polar, breakdown
There are 266,000 babies born each year
Life expectancy for the average person is 81.4 years
Every year 200,000 kids get diagnosed with an illness
Every year 547,000 kids aged 1 – 14 are injured
116,000 people got married last year
47,000 people got divorced last year
Victoria bushfires – Comminsure paid their clients $90 Million in home and contents and building insurance, but they only paid $800,000 in life insurance claims.
When you think about these statistics what do you think about? If you were to be seriously injured, have a trauma or die, how would you family survive?
I specialise in helping families as well as key person insurances for small businesses to protect themselves, and their families.
I can provide cover for:
Life Cover – pays a lump sum benefit on death – pays out mortgages, personal debt, funeral expenses, and maybe put some money away for the family.
Total & Permanent Disability – pays a lump sum benefit on disablement. For example if you lost limbs, became a quadriplegic or paraplegic.
Trauma Cover – pays a lump sum benefit to you if you are diagnosed with a trauma. For example if you had a stroke or heart attack, cancer.
Income Protection – pays up to 75% of your wage as a monthly benefit to you whilst you are off work due to illness or injury.
There are conditions that may apply to these; however this is a little bit of information that might help you understand insurance.
If you are in business with a partner, if something happened to them, who would be your new partner – their spouse. How would you pay the bills, or pay their share of the business out.
If you have any questions please feel free to your financial planner, if you don’t have one and would like an insurance check up let me know and I can come out and have a chat with you.
Tony Bourke: AIIB Insurance
General Insurance – You and Your Business
Tony specialises in general insurance for your business – property and injury.
Insurances are:
Public Liability – covers you if someone of the public injures themselves at your place of work
Workers Compensation – covers you and your employees at work through injury and death
Business Property Insurance – Computers, stock, warehouses
Vehicle Insurance – work vehicles – cars, trucks
There may be conditions that apply.
As an insurance broker, we can come out and assess your business and make sure it is set up correctly. Then we go through the insurance company for what you need.
AIIB provide a business health check. We look at your Public Liability, review your workers compensation.
There may be penalties if you are under insured, so it is best to review each year as your needs and/or situation may change.
Employees are not covered under public liability.
Workers compensation is different in each state – there is different legislation. NSW has Work Cover, which you can go through your broker. You should check your classification and make sure you are correctly classified. As the premiums can be quite different.
Sometimes journey’s to and from work are not covered.
Log on to www.alliance.com.au and complete the free valuation check
Why should you review your general insurance each year – your turnover, staff and products change each year.
If you would like a free health checkup contact Tony or go to the website www.aiib.com.au
Work Cover have been in touch with me and have asked that we get all our questions together on Work cover and they will come out and answer them.
Please email all questions to tgurney@gurneyfinancialservices.com.au
Our next meeting we have David from Active Assist and Mark from Unique Security presenting to our group. We look forward to seeing you all.
Thank you all for coming along. Feel free to come along next time, bring a friend. Remember this group is for small business owners to help build relationships with other small business owners, and to offer assistance to others if needed.
For those available, please stay around and have a chat or catch up with someone.
Next Meeting:
Wednesday 12th August 2009 – 10.20 arrival for 10.30 starts.
Regards Tarnia
Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Apologises:
John, Tony, Angela, Deb, Ann, Dean and Toni
Attendees:
Tarnia Gurney, Tony Bourke, Alan Jones, Ted O’Shannessy, Christine Jones, Andrew Durin, Karen Gough, Donna Llige, Cindy Steel, Mark McCosker, Simon Cook,
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Ted – Will be working as a BDM for a finance Company – North Shore and North Coast
Tony Bourke – AIIB – his book is on its way to Australia, there is to be a worldwide launch, 50 Authors, all about Service – title “in Service” will be released next week. If you would like to order, please see Tony for a form.
Christine Jones – in talks for the autistic school on the coast to teach music.
Karen – Her agency was able to assist a lady get a job & home and turn around her life
Update on:
Parenting and Baby Expo at Mingara – was good. Not as many people as last year - may have been due to holidays.
Heavenly Scent Candles turned one.
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it. Good networking over a meal.
Women’s Boot camp – August 14/15/16– to be held in Sydney. See Tarnia for more information. I will be presenting to up to 500 women on business planning.
Sydney Women’s Network – Membership if you would like to be a member of this group, please contact Tarnia and she will give you the details to join.
Sydney Women’s Network – Luncheon at Wallarah Bay on the 13th of August. I am presenting on budgeting and managing your finances.
Sydney Women’s Network – Expo on at Castle Hill. 19th August.
If you would like to come along please let me know and we can organise something
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August.
Education
BEC has a small business course on for business owners next week. See Kim, Deb or Lynne for further info
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Tarnia Gurney: Gurney Financial Services
Assisting Families and Small Business in consolidation of
Superannuation and setting up adequate insurance.
Christine Jones: Wiggle n Giggle
Teacher of music 0 – 5 yrs, Primary school teaching of music and vocational care
Music classes for children and pre natal as well, teach the parents to bond through music in the womb. And a birth coach.
Karen Gough: Australian Government Job Placement - CSR
Assisting people get jobs in the local community.
Cindy Steel: Sydney Women’s Network & Central Coast Women’s Network
Ladies meeting together to build friendships and support.
Luncheons on the coast bi-monthly – next one 13th August
Expos – Parramatta, Hills, Penrith
Workshops – self development and networking in Sydney – 4 over next 4 months.
Membership – either do 1, 2 or all meet groups.
Simon Cook: Toshiba and World Pacific Telecommunications
Sales Manager for Toshiba – Photocopiers and Multifunction centres. If you want to save money on your phone bill contact Simon. Cheaper rates and better service
Mark McCrosker: Supa Centre – Tuggerah
Picking up, people looking at leases. 15 leases signed and looks good for Christmas
Ted O'Shannessy: Send Out Cards – customer care program
Distribution and Networking business – greeting cards. Select your card, type your message, click, they print, pack and post it. Teaching others how to be come senders of cards. Marketing online
BDM for finance company
Debt Elimination – courses through community college
Andrew Durin: BizSav
Dedicated to save business money on utilities – electricity, phone, aswell as cars and other products.
Alan Jones: Active Assist
Hornsby to Newcastle. Business owners, sole traders, and companies up to 10 people. Keeping businesses on line. Business Coaching and specialists
Tony Bourke: AIIB Insurance
Clients in Sydney, Newcastle, Central Coast.
Business insurance – PI, PL, Workers Comp, protects businesses. Have you had an annual review of your general insurance, if not see Tony?
We are insurance brokers and can come out and help small business owners with a business health check up.
Also – my book “in Service” out shortly, $2 from every book to go to the cancer council of Australia.
Donna Llige: Ultra Print
Photocopying and printing, including wide format printing, scanning, laminating, binding
Presentations: Tarnia and Tony
Tarnia Gurney: Gurney Financial Services
Personal Insurance – you, your family and your business.
Facts:
1 in 11 women will get breast cancer this year
1 in 7 men will get prostrate cancer
1 in 5 will have a mental disorder – depression, bi polar, breakdown
There are 266,000 babies born each year
Life expectancy for the average person is 81.4 years
Every year 200,000 kids get diagnosed with an illness
Every year 547,000 kids aged 1 – 14 are injured
116,000 people got married last year
47,000 people got divorced last year
Victoria bushfires – Comminsure paid their clients $90 Million in home and contents and building insurance, but they only paid $800,000 in life insurance claims.
When you think about these statistics what do you think about? If you were to be seriously injured, have a trauma or die, how would you family survive?
I specialise in helping families as well as key person insurances for small businesses to protect themselves, and their families.
I can provide cover for:
Life Cover – pays a lump sum benefit on death – pays out mortgages, personal debt, funeral expenses, and maybe put some money away for the family.
Total & Permanent Disability – pays a lump sum benefit on disablement. For example if you lost limbs, became a quadriplegic or paraplegic.
Trauma Cover – pays a lump sum benefit to you if you are diagnosed with a trauma. For example if you had a stroke or heart attack, cancer.
Income Protection – pays up to 75% of your wage as a monthly benefit to you whilst you are off work due to illness or injury.
There are conditions that may apply to these; however this is a little bit of information that might help you understand insurance.
If you are in business with a partner, if something happened to them, who would be your new partner – their spouse. How would you pay the bills, or pay their share of the business out.
If you have any questions please feel free to your financial planner, if you don’t have one and would like an insurance check up let me know and I can come out and have a chat with you.
Tony Bourke: AIIB Insurance
General Insurance – You and Your Business
Tony specialises in general insurance for your business – property and injury.
Insurances are:
Public Liability – covers you if someone of the public injures themselves at your place of work
Workers Compensation – covers you and your employees at work through injury and death
Business Property Insurance – Computers, stock, warehouses
Vehicle Insurance – work vehicles – cars, trucks
There may be conditions that apply.
As an insurance broker, we can come out and assess your business and make sure it is set up correctly. Then we go through the insurance company for what you need.
AIIB provide a business health check. We look at your Public Liability, review your workers compensation.
There may be penalties if you are under insured, so it is best to review each year as your needs and/or situation may change.
Employees are not covered under public liability.
Workers compensation is different in each state – there is different legislation. NSW has Work Cover, which you can go through your broker. You should check your classification and make sure you are correctly classified. As the premiums can be quite different.
Sometimes journey’s to and from work are not covered.
Log on to www.alliance.com.au and complete the free valuation check
Why should you review your general insurance each year – your turnover, staff and products change each year.
If you would like a free health checkup contact Tony or go to the website www.aiib.com.au
Work Cover have been in touch with me and have asked that we get all our questions together on Work cover and they will come out and answer them.
Please email all questions to tgurney@gurneyfinancialservices.com.au
Our next meeting we have David from Active Assist and Mark from Unique Security presenting to our group. We look forward to seeing you all.
Thank you all for coming along. Feel free to come along next time, bring a friend. Remember this group is for small business owners to help build relationships with other small business owners, and to offer assistance to others if needed.
For those available, please stay around and have a chat or catch up with someone.
Next Meeting:
Wednesday 12th August 2009 – 10.20 arrival for 10.30 starts.
Regards Tarnia
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