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