Wednesday, August 24, 2011

Coffee Time Minutes for 28th August 2011

Welcome

Welcome to our new visitors – Patrick, Larissa, Rachel and Rachel

Who we are?

Small and Home Business owners meeting to build relationships from other SBO’s.

What is CT?

Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.

Where?

Tuggerah’s Zenith Centre.

When?

At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)

Apologises:

Kathy Maree, Andrea Marth, Kathy Bree, Toni Fountain, Amanda, Selma Sancar, Casey Targett, Leanna, Dawn & Bev.

Common Courtesy

I have had a couple of members come and speak to me in relation to the meetings. I would ask that we all show common courtesy to each other. Please do not have your own conversations whilst people are speaking. There will be no tolerance for bullying or intimidation. If this happens you will be asked to leave. There will now be a fine for those members who wish to have their own discussions, there will be a $5 fine that is payable to the Iris Foundation

Today’s Fund Raising - Daffodil Day.
I am selling badges, key rings, and clips. If you would like to purchase one please come and see me.

Update on our Raffle?

This year we have raised $521.05 this year for the Iris Foundation in 2011.

This year we will continue with our Raffles and donation to Iris Foundation. This year we will do a raffle again for the Iris Foundation. We will be looking for prizes/donations up to the value of $10. Its will be up to you if you would like to participate and none should feel obliged. Tickets will be $2 each, or three for $5.

Updated Members

We have over 110 members for Coffee Time. You can come when you are free, never feel obligated and always feel welcome. I have a list with everyone who has come along to Coffee Time; I am updating the distribution list. If you would like to be included, please check your details are correct, update where necessary and add if not on there.

There are 2 business card holders, please feel free to put your business cards in, these are passed around each meeting, and feel free to support each other and utilize their services.

Recap of last meeting

Who booked online for the small business website expo? It’s a free expo website for 6 months. Then we believe it will be $99 for the next 6 months. Great exposure to the community.

Workcover

Don’t forget Jay can come out to your workplace and do a free assessment; you can then get a $500 voucher/credit towards purchasing safe office things (chair, etc). Jay also has workshops, one on one meeting and assessments currently available. If you wish to have a free appointment with Jay please contact him on jay.lewis@workcover.nsw.gov.au


Updates

Next Coffee Time – Networking Event – Melbourne Cup

We are organising 2 tables at the Melbourne Cup Luncheon at Wyong Race Club. Tuesday the 1st of November. Tickets are $70 and we have 8 seats per table. If you wish to come along, please book in with me in the next 4 weeks. Payment is the 30/9/11.

So far we have booked in: 14 booked which are 2 tables, and need to let Kate know if we need another table.

Networking:
· Coffee Time 28th September
· Coffee Time 12th October
· Coffee Time 26th October
· Fridays round the coast SBNG – 3rd Friday here at Zenith
· BWC lunches on each month – for more info contact Kym Williams
· Success Women’s Networking Luncheons
o 1st December – Christmas Party

Expo’s in 2011
· 10th and 11th September is the Parenting and Baby Expo on the coast at Mingara. For more information, please contact Dave at 2GO/Seafm

Advertising with Buy Local
· B2B – online buy local $22 per month – see B2B or www.buylocalconnect.com.au


Education:

2011 – Visit BEC upstairs or log on to www.ccbec.org.au
Courses:
31/8/11 – MYOB – tips tricks and more $85
13/9/11 – Maximising profits - $65
26/9/11 – Import/Export for your business - $195
27/9/11 – Import/Export for you business - $195

BEC has Memberships available:
- Business Basics Membership - $249.
- Business plus Membership - $748.

For more information, please speak to Darren or Debbie at the BEC – 02 4355 4885

Action Coach is running Business Mastery – Business Cart IV. If interested contact Michelle on 4369 3704

Update:
· Melbourne Cup – Wyong Race Club – 1st November
· Spring Fling – 19th November (meet new people)
· Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation

Wins:

- Lyn Thompson – Events with a Twist has been nominated and become a finalist in the Australian Events Awards
- Patrick – elected to The Entrance Chamber Commerce as a board member
- Kate Morris – has been elected to the Northern Lakes Business Chamber as an Executive Member and the Events Co-ordinator.
- Kate Morris – has been walking the dog, rather than taking him for a walk in the car.

Who are you & what do you do: 30 Sec story about you

Tarnia Gurney
Gurney Financial Services www.gurneyfinancialservices.com.au
Planningwerx4U www.planningwerx4u.com.au

Nicolette Gregory
Photographer onefitone@bigpond.com

Kate Morris
Events with Pizazz www.eventswithpizazz.com.au

April Izzard
Unique Security www.uniquesecurity.com.au

Lyn Thompson
Buy Local online/ LBH Promotions/ B2B www.b2bwithatwist.com.au

Tony Bourke
AIIB Insurance Brokers www.aiib.com.au

Paul McCarthy
LDN Local Direct Network www.ldn.net.au

Rachel Dillon
Elite Embroidery eliteembroidery1@yahoo.com
Rachel
Wild Side Brides www.wildsidebrides.com.au

Patrick Zuluaga
PMZ Marketing www.pmzmarketing.com.au

Larissa Breen
FMS Accounting Services www.fmsgroup.com.au

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com

Kellie Targett
Insurance Adviser net ktargett@iaa.net.au


Today’s Presentation: Tony Bourke on Insurances

Insurance tips and Traps
- Under insurance penalties are severe:
- Example – Contents Sum Insured on Office Policy $50,000
o Actual Full replacement value should have been $100,000
o Storm Claim – contents damage is $40,000 to repair and replace
o Insurer only pays $20,000 as client is under insured by 50%
- Solution – Valuation or pre loss Assessment:
o Can cost as little as $650 for a pre loss assessment and in some cases insurers will remove the under insurance penalty from the policy.
- Questions from group:
o Insurance for Markets and stall holders.
§ Market organisers need to have their own insurance
§ Each stall holder should have their own insurance
§ You cannot on sell insurance to the stall holders
§ You can get one off policies or annual policies
§ Go online to AAMI
§ Cover is for product and public liability
o Home insurance, landlords insurance, contents & building.
§ Not all the same
§ Prices have doubled and tripled since the floods and cyclones in Qld this yr
§ Don’t judge on price
§ Check you are covered for flood/fire/water damage/etc
§ Accidental damage needs to be covered
§ Defined events need to be covered
§ Some insurance companies do not cover for floods
§ Contents include – carpets, window furnishings aswell
o Is it cheaper to pay monthly or yearly and is it good to combine insurances to get a discount.
§ Insurances should be reviewed every 12 months
§ Really no difference between monthly and yearly now
§ Discounts for combining policies. You can do it, but may miss out on a better offer if you have it with a few companies.
o Pricing – Agreed or Indemnity what’s the difference
§ Agreed – is agreed price or replacement for new
§ Indemnity – is market value
o Under /over insured.
§ As mentioned previously, under insurance can work out detrimental to you in a claim
§ Over insurance is not necessary beneficially either
§ Go online to the insurance companies and use the online calculators
o Under 25 drivers on your car
§ Make sure they can buy calling your insurance company.
§ Some insurance companies have clauses
§ Check under 25
§ Own car – maybe get 3rd party property for under 25s if car only worth $1000. (speak to a insurance broker for further information as subject to exclusions and advice)

Thanks Tony for your time and information today.

Planningwerx4u has Business Planning Cds for $50 each, if you would like one please let Tarnia know.

Thanks and see you next time

NEXT MEETING: 14th September – arrive 10.25am for 10.30 start – sharp
Presentation – Open Forum – Topic to be decided on the day.

Sunday, August 14, 2011

Coffee Time Minutes - 10.8.11

Welcome

Welcome to our new visitors.

Who we are?

Small and Home Business owners meeting to build relationships from other SBO’s.

What is CT?

Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.

Where?

Tuggerah’s Zenith Centre.

When?

At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)

Common Courtesy
Note – Please have courtesy for others who are speaking. We have had a few complaints due to people having their own conversations within the meeting. Please respect the others while they are speaking. As of July 2011 there will be a $1 fine, all money will be going to the IRIS foundation

Update on our Raffle?

This weeks raffle raised $22.00 bring the total raised $521.05 this year for the Iris Foundation in 2011.

This year we will continue with our Raffles and donation to Iris Foundation. This year we will do a raffle again for the Iris Foundation. We will be looking for prizes/donations up to the value of $10. Its will be up to you if you would like to participate and none should feel obliged. Tickets will be $2 each, or three for $5.

Updated Members

We have over 105 members for Coffee Time. You can come when you are free, never feel obligated and always feel welcome. I have a list with everyone who has come along to Coffee Time; I am updating the distribution list. If you would like to be included, please check your details are correct, update where necessary and add if not on there.

There are 2 business card holders, please feel free to put your business cards in, these are passed around each meeting, and feel free to support each other and utilize their services.

Recap of last meeting

Who has started with their goal setting?
If not create a goal, make the first step towards it.

Workcover

Don’t forget Jay can come out to your workplace and do a free assessment; you can then get a $500 voucher/credit towards purchasing safe office things (chair, etc). Jay also has workshops, one on one meeting and assessments currently available. If you wish to have a free appointment with Jay please contact him on jay.lewis@workcover.nsw.gov.au


Updates

Iris Foundation raised approximately $65,000 for the Slither and Slumber Sleep out on the 5th August. All had a fun night. Money raised goes to Coast Shelter and Iris Foundation. They had new sleeping bags donated, and then they were donated to the coast shelter and the homeless in Gosford. Thanks to all who supported the night out. It is nice to see the Central Coast getting behind each other and helping those in need.

Next Coffee Time – Networking Event – Melbourne Cup

We are organising 2 tables at the Melbourne Cup Luncheon at Wyong Race Club. Tuesday the 1st of November. Tickets are $70 and we have 8 seats per table. If you wish to come along, please book in with me in the next 4 weeks. Payment is the 30/9/11.

Networking:
· Coffee Time 24th August
· Coffee Time 14th September
· Coffee Time 28th September
· Fridays round the coast SBNG – 3rd Friday here at Zenith
· BWC lunches on each month – for more info contact Kym Williams
o September 7th
· Success Women’s Networking Luncheons
o 1st September
o 1st December

Expo’s in 2011
· 10th and 11th September is the Parenting and Baby Expo on the coast at Mingara. For more information, please contact Dave at 2GO/Seafm

Advertising with Buy Local
· B2B – online buy local $22 per month – see B2B or www.buylocalconnect.com.au


Education:
2011 – Visit BEC upstairs or log on to www.ccbec.org.au

Courses:
31/8/11 – MYOB – tips tricks and more $85
13/9/11 – Maximising profits - $65
26/9/11 – Import/Export for your business - $195
27/9/11 – Import/Export for you business - $195

Action Coach is running Business Mastery – Business Cart IV. If interested contact Michelle on 4369 3704

Marama is running a Word Press course. $190 for coffee time members. Please contact Marama for more.

Update:
· Melbourne Cup – Wyong Race Club – 1st November
· Spring Fling – 19th November (meet new people)
· Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation

Wins:

Iris Foundation raised $64K at the sleep out
Kate – Been nominated and elected to the executive committee for the Northern Lakes Business Chamber
Kate – Has had venues contact her to organise some functions there for them
Mingles at Wyong has moved from Wyong to Tuggerah’s the Edge Bar & CafĂ© as of August.
Leanna – has been picked to be a judge in Australia’s Lingerie Model Competition in Brisbane next month.

Who are you & what do you do: 30 Sec story about you

Tarnia Gurney
Gurney Financial Services www.gurneyfinancialservices.com.au
Planningwerx4U www.planningwerx4u.com.au

Dawn & Bev
Iris Foundation www.irisfoundation.org.au

Dujon Zivic
Encore 8 www.encore8.com

Nicolette Gregory
Photographer onefitone@bigpond.com

Kate Morris
Events with Pizazz www.eventswithpizazz.com.au

Leeanna
Intimate Whispers www.intimatewhispers.com.au

Amanda Lott
SVPartners www.svp.com.au

Mark Izzard
Unique Security www.uniquesecurity.com.au

Derek Taylor
Business NSW derek.taylor@business.nsw.gov.au or www.business.nsw.gov.au

Matt Halliday
Inspired Bookkeeping www.inspiredbookkeeping.com.au

Today’s Presentation: Derek Taylor on the NSW Business

Now known as the Dept. of NSW Trade and Investment
Was known as DSRD and Dept. of Infrastructure & Investment
Located at Ourimbah
Work with businesses on the coast
Work with businesses relocating to the coast
Work with mainly medium to large businesses
Work with employers with job growth
Provide financial and non financial support to businesses
Relocation of businesses
Assistance with expansion
Business growth programs for business in manufacturing.
May include > $5000 funding for marketing activities – e.g.: website creation, tradeshows, newsletters
For businesses 2 or more staff and 2 years+ of trading.
Not available for professional businesses or retail.
Job Action plan
medium to large businesses
businesses who pay payroll tax
$4000 /new employee
Non Financial Assistance
Business needs advice for
Red tape
Leasing
Put in touch with other businesses
Networking events
Training sessions
Seminars
Council
Development
Work with Government depts. & non Government depts.
BEC
NSW Business Chamber
Local Chambers
September is small business month. We are running an online expo. Where businesses can upload their business to the website.
Expo online
Free
All categories
Must be Central Coast
Running all month

For more information on the online FREE EXPO -


Small Business September 2011

The Central Coast Online Business Expo

"Be a part of this exciting Event, it’s Easy and it’s FREE"

To help celebrate Small Business September, we are holding a free "Online Small Business Expo" during the month of September.Supported by NSW Trade and Investment and Regional Development Australia Central Coast, the Business Expo is an innovative and interactive online expo event that is available 24/7.

It lets you look, learn and experience everything you would normally find at a regular business expo without having to leave the comfort of your chair. Explore businesses around the Central Coast region from a variety of categories such as health, beauty and fitness, travel and accommodation, retail shopping, IT and computers, entertainment, restaurants, real estate, home and garden, automotive and boating, financial services, weddings and events, professional services, trades, sport and recreation, manufacturing, education, government, food and beverage, medical, charities, and much more.

No matter what you are looking for, the Central Coast Online Business Expo will have something for you.

Benefits to your business by being an Exhibitor include:

Getting your message in front of customers 24/7
eCommerce facilities to assist your sales
Video and slide show facilities
Blog facilities and chat session

Your exhibition stand can even act as your own website if you currently do not have one
Your Business Expo exhibition stand is a full online multimedia facility to help drive your business, brand and sales forward

Don’t miss the opportunity to be a part of this exciting online event.
www.ccbusinessshowcase.com.au

To be involved, simply email your interests to Derek Taylor at derek.taylor@business.nsw.gov.au

Thanks Derek for your time and information today.

Today we raised $22 (included in total for year). Thanks for your support. Today’s winner is Kate Morris, Thanks to Kathy-Maree who has donated today’s prize.

Planningwerx4u has Business Planning Cds for $50 each, if you would like one please let Tarnia know.

Thanks and see you next time

NEXT MEETING: 24th August – arrive 10.25am for 10.30 start – sharp

Presentation – Tony Bourke – Business Insurance

Tuesday, August 2, 2011

Coffee Time Minutes 27th July 11

Welcome

Welcome to our new visitors.

Apologises

Kate

Who we are?

Small and Home Business owners meeting to build relationships from other SBO’s.

What is CT?

Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.

Where?

Tuggerah’s Zenith Centre.

When?

At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)

Common Courtesy
Note – Please have courtesy for others who are speaking. We have had a few complaints due to people having their own conversations within the meeting. Please respect the others while they are speaking. As of July 2011 there will be a $1 fine, all money will be going to the IRIS foundation

Update on our Raffle?

This weeks raffle raised $53.00 bring the total raised $499.05 this year for the Iris Foundation in 2011.

This year we will continue with our Raffles and donation to Iris Foundation. This year we will do a raffle again for the Iris Foundation. We will be looking for prizes/donations up to the value of $10. Its will be up to you if you would like to participate and none should feel obliged. Tickets will be $2 each, or three for $5.

Updated Members

We have over 105 members for Coffee Time. You can come when you are free, never feel obligated and always feel welcome. I have a list with everyone who has come along to Coffee Time; I am updating the distribution list. If you would like to be included, please check your details are correct, update where necessary and add if not on there.

There are 2 business card holders, please feel free to put your business cards in, these are passed around each meeting, and feel free to support each other and utilize their services.
Work Cover offer

Don’t forget Jay can come out to your workplace and do a free assessment; you can then get a $500 voucher/credit towards purchasing safe office things (chair, etc). Jay also has workshops, one on one meeting and assessments currently available. If you wish to have a free appointment with Jay please contact him on jay.lewis@workcover.nsw.gov.au

Networking:
· Coffee Time
o 10th aUGUST
o 24th August
· fridays round the coast SBNG – 3rd Friday here at Zenith
· BWC lunches on each month – for more info contact Kym Williams
o August 3rd
o September 7th
· Success Women’s Networking Luncheons
o 11th August – at the Diggers The Entrance
o 1st September
o 1st December

Advertising with Buy Local
· B2B – online buy local $22 per month – see B2B or www.buylocalconnect.com.au
· Book now and sign up – and you will get couple of months for free (coffee time members only)

Education:
2011 – Visit BEC upstairs or log on to www.ccbec.org.au
Courses:
20/7/11 – Sales & Marketing Part A $65
27/7/11 – Sales & Marketing Part B $65
2/8/11 – Business Marketing – Seven secrets for business owners - $65

Action Coach is running Business Mastery – Business Cart IV. If interested contact Michelle on 4369 3704

Marama is running a Word Press course. $190 for coffee time members. Please contact Marama for more.

Update:
· Melbourne Cup – Wyong Race Club – 1st November
· Spring Fling – 19th November (meet new people)
· Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation
· Slither and Slumber – Friday the 5th August at the Australian Reptile Park.
· 13th August $85 Black Tie Ball at Wyong Race Club

Wins:

Nicolette – Had one of her pictures in NZ will be used in a NZ 2012 Calendar. Won a world wide award for the photo. It will be on the cover of the calendar and in April.
Selma & Shaun secured a new contract with Cameron Park Community Centre to install their phone systems
Selma has been invited to speak a forums in Newcastle
Bev – has Chris Holstein sleeping out in the cold on 5th of August for the slither and slumber

Who are you & what do you do: 30 Sec story about you

Tarnia Gurney
Gurney Financial Services www.gurneyfinancialservices.com.au
Planningwerx4U www.planningwerx4u.com.au

Bev
Iris Foundation www.irisfoundation.org.au

Dujon Zivic
Encore 8 www.encore8.com

Nicolette Gregory
Photographer onefitone@bigpond.com

Kellie Targett
Insurance Adviser net ktargett@iaa.net.au

Selma Sancar
Voice Concepts www.voiceconcepts.com.au

Kathy –Maree Bartle
Books Alive Bookkeeping www.booksalivebokeeping.com

Marama Carmichael
Essential Wellbeing www.essentialwellbeingforbusiness.com

Kathy Bree
Coffee News www.coffeenews.com.au

Mark Izzard
Unique Security www.uniquesecurity.com.au

Tony Bourke
AIIB Insurance Brokers www.aiib.com.au

Tim Close
Close Financial Group www.closefinancialgroup.com.au

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

Karen Teunissen
CRS Australia www.crsaustralia.gov.au

Amanda Lott
SVPartners www.svp.com.au

Paul McCarthy
LDN Local Direct Network www.ldn.net.au

Kymm Collins
Dressed to sell www.dressedtosell.com.au


Today’s Presentation: Tony Bourke on Goal Setting

Questions from group to Tony:
How to keep focus
How to keep on track of your goals
Prioritising
Flexible – how to be

Discussion:
Who has a goal?
Who has their goals on them (wallet/diary)
People don’t set goals as they don’t know how to
Goals motivate you
You only need to take the 1st step
Commit to something
Go to www.tonybourke.com.au to get the goal sheets.
People who wrote down a goal, a year later, 80% had accomplished them
Be specific about a goal
E.g.- I want a car
I will have a silver ix35 2011 Hyundai by 1.11.11
Be grateful: I am happy and grateful for…..
Imagine: How does it look in your mind/picture
Feel: get a good feeling/ excitement for it
Good book to read is: Mike Dooley – Don’t mess with the cursed how’s!
Be persistent
If it doesn’t happen, change the date
Be comfortable
By having a goal, you are in the top 10% in the world
Read your goals daily, and as much as you can
Make the first step
Don’t forget to stay in the moment – enjoy the journey
Watch what the voice in your head says. Stay positive. If it is negative, drop it & let go.
Focus on the next step
Stay on track by reading your goals regularly.

Thanks Tony for your time and information today.

Today we raised $53(included in total for year). Thanks for your support. Today’s winner is Mark Izzard. Thanks to Kathy Maree who has donated today’s prize.

Planningwerx4u has Business Planning Cds for $50 each, if you would like one please let Tarnia know.

Thanks and see you next time

NEXT MEETING: 10th August
PRESENTATION: Derek Taylor – NSW Regional Business