Coffee Time

Coffee Time Minutes 25.1.12

2012-01-30T17:53:00.001-08:00

Welcome

Welcome to our new visitors

Apologies

Kathy B

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)

Update on our Raffle?

So far this year we raised $41.00 for Iris foundation including todays $17.

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.

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

Networking:
• Coffee Time 8th February, 22nd Febraury
• 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 Luncheon 9th February

Education:
2012 – Visit BEC upstairs or log on to www.ccbec.org.au
o February Courses
o Getting into business- 15th
o Facebook Rules – 22nd
o Business Planning for growth part A – 29th
o March Courses:
o Business planning for growth part B – 7th
o Modern Selling Techniques part A – 14th
o Modern Selling Techniques part B – 21st
o Social Media Domination for Small Business (basics) – 28th March
o April Courses:
o Make your Mark – Trade marking – 3rd
o Social Media Domination for Small Business (advanced) – 4th
o May Courses:
o Recruitment and Staffing Structures – 2nd
o How to recover debts part A – 9th
o How to recover debts part B – 16th

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
The BEC have changed their opening hours, as at 30th January 2012 they will be as follows-
Monday – Thursday 8.30am to 4.30pm. Monday – Thursday 4.30pm to 6.30 pm for consultations by appointment only.

Update:
• Melbourne Cup – Gosford Race Club – 1st November –.
• May 18/19th 2012 – B2B Buy Local Festival – Lucca Rd Wyong
• September 19th – Business Expo – Mingara
• Buy Local key rings - $2 each – money to iris foundation
• Lioness Cub of East Gosford is holding a High Tea on the 31st of March. Coffee Time is putting together tables. Please contact Margaret on 0412 622 400 and let her know if you would like to come along. So far we have Tarnia, Kate, Kellie

Toukley Neighbourhood Centre

Info on cheap reconditioned computers. Call Kylie if interested.

We don’t have any laptops in stock at the moment but we will have some more in next few weeks! We have Hp and IBM desktops with 17" LCD screens 1Gb ram 80GB Hard Drive Intel Pentium 4 DVD burner, anti virus software, all windows updates, basic word processing software (open office) all for $150 with 3 months warranty! Just let me know how many and I can have them here within a day if not already here! 356-356 Main Rd EAST TOUKLEY. My number is 0413241331

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

Tarnia Gurney
Gurney Financial Services www.gurneyfinancialservices.com.au
panningwerx4U www.planningwerx4u.com.au

Glenn Kirkwood
That Referral Guy www.australiasmarketingmentor.com.au

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

Leeanna
Intimate Whispers www.intimatewhispers.com.au

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

Rachel Dillon
Elite Embroidery eliteembroidery1@yahoo.com

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

Jenny Abourizk:
Job Centre Australia www.jobcentreaustralia.com.au

Michael :
Job Centre Australia www.jobcentreaustralia.com.au

Patrick Zuluaga
PMZ Marketing www.pmzmarketing.com.au

Nicolette Gregory
Photographer onefitone@bigpond.com

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

Wins
• Rachel got a $1500 order.
• Iris Foundation –Are having a sleep out at Alison Homestead along with events with a twist.
• Glenn ran his first marathon came in under 3hours 15 minutes.
• Leanne has received some new orders.
• Tarnia has moved into a new office.

Presentation today

Business Planning – Planning for your success

Slide 3: Did you know:
• 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

As you can see from the results that when you have a business plan, you automatically know where you’re going and your chances of getting there are definitely higher.

Slide 4: Considering a business opportunity
• Have to be logical
• Is your plan viable
• Living document
• Helps you be organized

Small Business success comes down to planning – and making sure you continue to grow and develop along and with your business plan. By following some easy steps by being organised and by planning, you will know where you can go.

Slide 5: Is there a market?
• What’s your competitive advantage
• Why would someone give your business money
• What special factors are going to make them buy from you
• What can you offer that others don’t? What’s your edge?

What’s your competitive advantage? There has to be something about you, your products or services that would make someone come to you and do business with you.

Slide 6: Is there a market – Cont.
• Market research
• What are others doing
• Product/service idea questionnaire

Look at what other businesses have done or are doing and see what is working for them. Make sure you have done your research. What can I do that is better than others? Why is mine better?

Slide 7: Is there a Market continued - Evidence-
• Will people buy these things
• Is there a similar business nearby
• Is it a popular business overseas/interstate
• What do the stats show from Australian Bureau of statistics show

Make sure there is convincing evidence. Make a list of all the evidence and weigh it up. For example – Will people buy these things? Is there a similar business nearby? Is it a popular business overseas/interstate or here?

Slide 8: How much money can you make
• How much money is out there for your business
• How much do you need to break even
• Work out your cash flow
• Work out expenses

Firstly work out your cash flow, and secondly, do some calculations. Work out the cost of your time, the production of the item, how much you can on sell it for, how many hours you are prepared to work to get it, then take away all your expenses. Will you be able to take a wage home, and pay the bills?

Slide 9: How much money will you need
• How much to start up?
• What are my running costs?
• What can be leased?
• What are my monthly expenses?

It can be expensive to start up – So how much will you need for the set up: you need to look at the equipment, cost of the franchise if relevant, phones, desks, computers, printers, licences, legal fees, advertising, leases, registrations of business, stock, and websites.
Running Costs – how much will it cost per month to run your business: monthly bills – phone, internet, rent, advertising, wages, workers compensation for employees, PAY as you go tax, Superannuation, Insurance and GST. Maybe another business owner/friend may lend you their printer, or let you photocopy at their place of business for a small charge until you have your own copier, maybe they have a spare desk in their office or a spare massage table in the salon, and you can rent as a hot seat one day a week for your appointments. All until you get going. Always list all costs that you think will associate with your business. Then ensure you have a budget for those expenses.

Slide 10: Business Background
• Your Location
• Personal Characteristics
• Your Industry
• Key Products

Where will your business be located? Shop, home, hairdressers, office. What qualifications? Management certificates, customer services, diplomas? Experience – short term or long term. Is it labour or knowledge intensive? Describe your key products and services?

Slide 11: Business Background – Cont.
• The Purpose of the Business
• Business Structure
• The History

Describe the purpose of your business, including why you want to start it. Explain the market you’ve identified and your competitive advantage. What is the structure of your business? (Sole Trader, Company, Partnership). Is it a new idea, or has it been around for a while.

Slide 12: Business Support
• Your Team
• Your Suppliers

Do you need staff? - Describe the staff you have or need – what is their experience will they be trainees or apprentices, experienced persons or contractors. Who are your suppliers? – are they the local paper and packaging business down the road, providing you with all your shopping bags, and staff amenities.

Slide 13: Business Market
• Customers
• Customer Assumptions
• Promotion
• Market Research

Outline your customers – Major and Minor – are they general public, small businesses or large businesses, communities or groups, medical centres, or shops, demographic, age, sex, etc.
Why would someone choose to do business with you? How do you intend to get the customers?
Is an it yellow page, local business directories, word of mouth, networking? The better understanding you have of your customers and their needs the better your business is.

Slide 14: Business Markets – Cont.
• Market Potential
• Market Potential Assumption
• Competitors
• Competitor Assumptions

What do you expect your first years turn over to be? Do you expect to break even, make a profit? How have you arrived at the estimates? Who are your competitors? Where are your competitors? Analyse the strength of you competition. Outline all assumptions you have made about your competitors.

Slide 15: Business Environment
• Outside Influences:
• Issues and Opportunities
• Distribution Channels:
• Use of Technology:
• Business Systems:

You need to consider everything that could and would impact your business. Whether it be technology, trends, environmental, economic, regulations, etc. What are your issues in business and what are the opportunities (weaknesses and strengths)? Do you market to other businesses, or is it direct to consumers or do you pay commission sales people or distributors? Will you use: Email, Ecommerce, EBAY, Website? What systems will you have in place? Detail your business and management systems, and this will including office and procedure manuals, job descriptions, and general Human Resources that you have in place or will have in place.

Slide 16: Why people fail?
• Have not planned
• Not prepared fully
• Not tested their idea
• Have no experience
• No management ability
• And they need 100% finance

Many people fall down as they have not planned or prepared. When you have completed your plan, discuss with a friend, a family member or a business person your idea and see what they think. Make sure you have a wide variety of feedback, both good and bad, with all scenarios. Making sure you get constructive criticism for things to improve.

Slide 17: The Business Plan
• So that’s the one for the banks
• What about a one pager for you

Slide 18: Business Plan - One pager template

Mission statement Strengths
Goals/Target Weaknesses
Marketing Opportunities
Action items Threats

This is your vision. Fill in the blanks then each week up date. What is your mission statement?
Having this in front of you, you will be able to remember every day what your goals and visions for your business are.

Slide 20: My Details
PLANNINGWERX4U
Tarnia Gurney
02 4393 5979 or 0412 297 837
admin@planningwerx4u.com.au
www.planningwerx4u.com.au

Thanks everyone for your participation, hope everyone got something out of it.

Planningwerx4u has Business Planning Cds for $55 each, if you would like one please let Tarnia know.

The winner of the raffle today was –Tarnia Gurney

Today we raised $17 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 8th February – arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum – Time management.

Coffee Time Minutes 11.1.12

2012-01-23T21:58:00.000-08:00

Welcome

Welcome to our new visitors

Apologies

Tony, Bev, Kathy Maree, Selma, Toni, and Dawn

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)

Update on our Raffle?

Last year we raised $822.80 for Iris foundation.

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.

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

Networking:
• Coffee Time 25th January, 8th February, 22nd Febraury
• 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 Luncheon 9th February

Education:
2012 – Visit BEC upstairs or log on to www.ccbec.org.au
o February Courses
o Getting into business- 15th
o Facebook Rules – 22nd
o Business Planning for growth part A – 29th
o March Courses:
o Business planning for growth part B – 7th
o Modern Selling Techniques part A – 14th
o Modern Selling Techniques part B – 21st
o Social Media Domination for Small Business (basics) – 28th March
o April Courses:
o Make your Mark – Trade marking – 3rd
o Social Media Domination for Small Business (advanced) – 4th
o May Courses:
o Recruitment and Staffing Structures – 2nd
o How to recover debts part A – 9th
o How to recover debts part B – 16th

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

Update:
• Melbourne Cup – Gosford Race Club – 1st November –.
• May 18/19th 2012 – B2B Buy Local Festival – Lucca Rd Wyong
• September 19th – Business Expo – Mingara
• Buy Local key rings - $2 each – money to iris foundation
• Lioness Cub of East Gosford is holding a High Tea on the 31st of March. Coffee Time is putting together tables. Please contact Margaret on 0412 622 400 and let her know if you would like to come along. So far we have Tarnia, Kate, Kellie

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

Glenn Kirkwood
That Referral Guy www.australiasmarketingmentor.com.au

Jamie Quetulio
WizAide Bookkeeping www.wizaide.com.au
Karen Teunissen
CRS Australia www.crsaustralia.gov.au

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

Leeanna
Intimate Whispers www.intimatewhispers.com.au

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

Rachel Dillon
Elite Embroidery eliteembroidery1@yahoo.com

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

John Mann
Retired business manager

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

Presentation today

20 Ways to Improve Your Business - By Toyne Business Consultants

1. The turnover of your business is made up of just 3 factors;
• The number of customers you have,
• The number of times those customers buy from you, and
• The average value of each sale you make to them.

By increasing any or all of these factors….your increases your turnover.

Do you know these figures for your business?

2. Identify what makes the product or service you sell, different from your competitors………….then tell EVERYONE.

Customers but the differences they perceive. So you need to have them thinking what you want, when they make a buying decision.

3. Referrals are the most cost effective form of marketing and often provide the most converted leads to sales.

Do you have a system for measuring, rewarding and maximising the referrals to your business?

What networking activities are you involved in enabling you to receive referrals?

Do you ask your current customers for referrals?

4. Use the first sale to a customer as a lead in for future sales.

It is much easier to sell to an existing customer than to a new one. Identify what further sales you can make to the customer e.g. maintenance items, add on products or more sales of the same product.

5. Keep a current database of your existing, past and potential customers.

Not only does this allow follow up sales to be made easily (for previous tip), it allows you to keep in contact with your customers. You can spend your marketing budget efficiently if you can target your customers. It will also allow you to keep your name in the minds of your customers.

6. Discounting your price focuses customers on the cost of your services. It gives them only one reason to buy from you……and a reason that can and will be matched by your competitors.

Look at adding value to product or services, so that customers can focus on the benefits of dealing with you. This will give customers more reason to buy from you again.

7. Educate your clients.

Following on from the last tip. The more you tell your clients to enable them to make an informed purchase, the more likely they are to buy from you……..and the more likely that decision to buy won’t be based on price.

8. Make it easy and fun for your customers to buy from you.

Find out what it is that customers dislike about dealing with businesses in your industry………and design your business so that your customers do not have to deal with those frustrations.

9. Send out a newsletter to your customers and prospects.

This will help educate your clients, allow you to keep in touch with them, give you additional opportunities to sell to them and position you as an expert in your field.

Your database will allow you to effectively distribute the newsletter………especially if you collect customers’ email addresses.

10. Hold information nights or demonstrations of your product or service.

This has a similar effect as a newsletter, but allows personal contact. It also allows your customers to bring a friend along!!

11. Plan your business. Set goals, both business and personal, and refer to them regularly.

There are many clichés advocating the benefits of planning and setting goals, suffice to say……..if you do not know where you are going or how you are to get there, there is not much chance of making it!!!!!

12. Benchmark every aspect of your business.

This involves comparing anything you can about the operations or results of your business against industry average figures. You can even do this by comparing your results from year to year, or by comparing yourself to successful businesses in your industry.

This provides you with countless opportunities to improve your business.

13. Put systems in place wherever you can in your business.

This will not only improve the profits in your business but also allow it to manage growth. You can improve the quality of your operations and output. You will also be able to have your team members undertake tasks that you currently do yourself.

Basically, it will free up your time and ensure that the things that need to be done in your business are done.

14. Get feedback from your customers.

It is often not such a bad thing for your business to get a complaint……it lets you know what is wrong with your business. Most unsatisfied customers do not bother to tell you when something is wrong.

By putting in place a system to obtain feedback from your customers you are able to make improvements and really identify how others view you. It might seem scary, but it is invaluable.

15. Form an alliance with another business that has the same target market as you do. E.g. Gurney Financial Services and Woodview Home Loans.

You will both be able to market to each other’s client base and provide incentives for customers to deal with you.

One important point is to ensure that the business you form an alliance with is reputable and provides a quality service or product.

16. Get your team involved.

To unlock the full potential of your business you will need the support and help of your team. Give them the power of make decisions and involve them in the planning process. Consider bonuses for achieving agreed business goals.

17. Unlock working capital from within your business.

All business use some sort of working capital requirements. It is often in the form of stock on hand, debtors, creditors or work in progress. Minimising the amount tied up in these areas can provide valuable cashflow for a growing business.

For example, creditors (invoices to be paid) can often be paid by credit card. This not only gives up to another 55 days to pay the account it can also provide you with reward or frequent flyer points.

18. Make your customers feel special.

Start a club for valued customers (hopefully that is all of them) where they can receive benefits. These may include newsletter, information nights, and advance access to product promotions, “exclusive” access to your business or anything else that makes them feel special.

Even send them a thank you card for placing their business with you.

19. Fill in idle time in your business.

What promotions can you run to have customers buy in slow periods?

How can your facilities or assets be used “out of hours”?

What marketing or other beneficial activities can your team be doing in down time?

20. What is the worst possible thing that could happen to your business?
How would you handle it? Do you have insurance? A contingency plan?

The sort of things you might consider is: - loss of a key person, natural disaster, loss of a major contract or customer, financial loss.

It is better to be prepared for such an occurrence.

Bonus Tip

Once you have grown your business to where you want to be, you will need an exit strategy from your business.

This may be how you turn it into a saleable business and achieve the best price, maybe how you can pass it onto the next generation of your family or introduce existing team members into the ownership of the business.

This may all be tied up with your retirement planning…….but that’s a whole separate plan!!!!

Thanks everyone for your participation, hope everyone got something out of it.

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

The winner of the raffle today was –?

Today we raised $24 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 25th January – arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum - Business Planning.

Coffee Time Minutes - 23rd November

2011-11-28T16:30:00.001-08:00

Welcome

Welcome to our new visitors

Apologies

Kellie

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)

Update on our Raffle?

Today we raised $41, bringing the total this year raised $706.30 (including this week’s total) for 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 was here last meeting? Who remembers what we talked about? Did we put into practice? How did we go?

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

Networking:
· Coffee Time 14th December
· Success Women’s Networking Luncheon - 1st December – Christmas Party

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

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

Update:
· May 18/19th 2012 – B2B Buy Local Festival – Lucca Rd Wyong
· SWN Business Expo in August 2012

Reach Out Volunteers

Local youth looking fro sponsorship to help him go across in January 2012 for a mission to Cambodia. Teaching them about fishing, helping them build villages, education to the children and locals. For more information please contact Ben on 0451 126 465

Wins:

Kate – Gastric Banding – shred 1.5 kilos in a week.
Selma – new phone system for a company in Sydney – 250 phone sets installed this week
April – Unique Services Cleaning has picked up (going through the roof), new clients and new staff, able to employ local mums on the coast for cleaning.
Leanna – new distributor for Gen Candles
Leanna – Cystic Fibrosis Fund Raising company coming on board to use Gem Candles for fund raising
Leanna – new catalogue for Intimate Whispers
April – Unique Security still around, hasn’t closed.
Kate – Melbourne Cup raised $1500 for Iris Foundation, Wyong Neighbourhood Centre and Central Coast Sport
Kate – Girls Night in – raised about $500.
Toni – did a refresher course in Koren Specific Technique
Kate – Melbourne Cup 2012 – Booked in for 2012

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

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com

Rachel Dillon
Elite Embroidery eliteembroidery1@yahoo.com

April Izzard
Unique Security www.uniquesecurity.com.au

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

Kathy Bree
Coffee News www.coffeenews.com.au

Leeanna
Intimate Whispers www.intimatewhispers.com.au

Karen Teunissen
CRS Australia www.crsaustralia.gov.au

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

Selma Sancar
Voice Concepts www.voiceconcepts.com.au

Nicolette Gregory
Photographer & Independent Associate – Usana Health Sciences
onefitone@bigpond.com

Rae Phillips
Inspire Success www.inspire-success.com

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

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

Carole Smith
Flawless Nails

Christmas Party

Coffee Time Christmas Party will be on the 14th of December, cost is $30 per head for 2 course meal. Book in asap with Tarnia.

NO Presentation today – general chat

Thanks everyone for your participation, hope everyone got something out of it.

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

The winner of the raffle today was – Rae

Today we raised $41.00 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 14th December – arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum

Coffee Time Minutes - 9th November 2011

2011-11-20T16:16:00.000-08:00

Welcome

Welcome to our new visitors

Apologies

Kate, Bev, Kathy Maree, Selma, Toni Fountain, and Dawn

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)

Update on our Raffle?

Today we raised $15.75, bringing the total this year raised $665.30 (including this week’s total) for 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 was here last meeting? Who remembers what we talked about? Did we put into practice? How did we go?

Insurance – check your policies, make sure not under insured.

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

Networking:
· Coffee Time 23rd November
· 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 Luncheon - 1st December – Christmas Party

Education:
2011 – Visit BEC upstairs or log on to www.ccbec.org.au
November Courses:
16th Doing Business online
23rd Online Networking

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

Update:
· Melbourne Cup – Wyong Race Club – 1st November – was a great day. Raising approximately $1500 for the Iris Foundation, Wyong Neighbourhood Centre, and Central Coast Academy of Sport. Congratulations to Kate.
· BEC Christmas Party – see upstairs for bookings.
· Halloween Girls Night in – Events with Pizazz was run on the 28th October. Kate raised approximately $500 for the Breast cancer Foundation.
· May 18/19th 2012 – B2B Buy Local Festival – Lucca Rd Wyong

Reach Out Volunteers

Local youth looking fro sponsorship to help him go across in January 2012 for a mission to Cambodia. Teaching them about fishing, helping them build villages, education to the children and locals. For more information please contact Ben on 0451 126 465

Wins:

Marama – 5 new clients
April – Unique Services Cleaning has picked up (going through the roof), new clients and new staff, able to employ local mums on the coast for cleaning.
Mark – Unique Security – 2 new tenders lodged
Suzy – LBH Promotions – new clients for letter box drops
Mark – Unique Security – received certificates for Guards and Patrol Standards. As leader in the community and security in Australia.

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

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com

Mark Izzard
Unique Security www.uniquesecurity.com.au

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

Rachel Dillon
Elite Embroidery eliteembroidery1@yahoo.com

April Izzard
Unique Security www.uniquesecurity.com.au

Dujon Zivic
Encore 8 www.encore8.com

Suzy Allport
Buy Local online/ LBH Promotions/ B2B www.b2bwithatwist.com.au

Kylie Pryor
Hand Bags and Jewellery online handbagsandjewelleryonline@bigpond.com

Christmas Party

Coffee Time Christmas Party will be on the 14th of December, cost is $30 per head for 2 course meal. Deposit of $10 due at next meeting. So far 15 people booked in.

Presentation today

Skype – by Marama
Phone and instant messages
Get a skype phone number – it is portable about $80 a year for business
Over the internet phone calls and video
Skype groups
Private
Networking
Team meetings
Video conference
Client appointments
Need a good broadband and headset
You can share screens for online training
Video, voice and chat

Open discussion for everyone about Skype.

Thanks everyone for your participation, hope everyone got something out of it.

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

The winner of the raffle today was – Suzy

Today we raised $15.75 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 23rd November – arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum

Coffee Time Minutes 26th October 2011

2011-11-06T19:20:00.001-08:00

Welcome

Welcome to our new visitors

Apologies

Bev, Kathy Maree, Dujon, and Dawn

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

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 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

Update on our Raffle?

This year we have raised $649.55 (including this week’s total) for 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 was here last meeting? Who remembers what we talked about? Did we put into practice? How did we go?

Insurance – check your policies, make sure not under insured.

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

Networking:
· Coffee Time 9th November
· Coffee Time 23rd November
· 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 – 27th October and 1st December – Christmas Party

Education:
2011 – Visit BEC upstairs or log on to www.ccbec.org.au
November Courses:
2nd Creating a dynamic website
9th Getting the most from your online facilities
16th Doing Business online
23rd Online Networking

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 Cert IV. If interested contact Michelle on 4369 3704

Marama in conjunction with the BEC is running Word Press courses on the coast. For more information please contact Marama or the BEC. Dates – 19th of November

Update:
· Melbourne Cup – Wyong Race Club – 1st November
· BEC Christmas Party – see upstairs for bookings.
· Spring Fling – 19th November (meet new people)
· Halloween Girls Night in – Events with pizazz running on the 28th October. Dress up. $35 per head ($5 from each ticket to the Cancer Foundation) entry fee covers a spooktacular drink on arrival, finger food all night, dancing and DJ, prizes to be won.
· Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation
· Check out Central Coast Tourism for events on the coast
· NSW Business Chamber Breakfast – Peter Fitzsimmons Thursday the 10th of November - $75 per person.

Reach Out Volunteers

Local youth looking fro sponsorship to help him go across in January 2012 for a mission to Cambodia. Teaching them about fishing, helping them build villages, education to the children and locals. For more information please contact Ben on 0451 126 465

Wins:

Kathy –Maree gave away a client and got 4 back
Kellie – Nominated for awards for business – Insurance
Nicolette- got great feedback and 3 referrals
Jenny – meat at Georges won – micro business & Business of the year 2011 for the Wyong Chamber of Commerce
Leanna – got a distributor for her candle business
Leanna – working with a school in Newcastle to do some fund raising
Paul – L DN – October was his biggest month, he got 44 new clients
Rachel – in negotiations for a new machine.

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

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

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com

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

Mark Izzard
Unique Security www.uniquesecurity.com.au

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

Melissa Cooper
Art of Intimacy www.artofintimacy.com.au

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

Leeanna
Intimate Whispers www.intimatewhispers.com.au

Casey Targett
Best Signs www.bestsigns.com.au & www.grassads.com.au

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

Selma Sancar
Voice Concepts www.voiceconcepts.com.au

Jenny Abourizk:
Job Centre Australia www.jobcentreaustralia.com.au

Patrick Zuluaga
PMZ Marketing www.pmzmarketing.com.au

Rachel Dillon
Elite Embroidery eliteembroidery1@yahoo.com

April Izzard
Unique Security www.uniquesecurity.com.au

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

Troy Stolz
C2C Employment Solutions c2csolutions@bigpond.com

Troy Melville
BBX www.bbx.com.au

Carole Smith
Flawless Nails

No Presentation today

Thanks everyone for your participation, hope everyone got something out of it.

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

The winner of the raffle today was – Troy Melville

Today we raised $36 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 9thy November – arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum - Marama

Coffee Time Minutes - 12th October 2011

2011-10-20T19:25:00.001-07:00

Welcome

Welcome to our new visitors

Apologies

Bev, Toni Fountain, Kathy Maree, Dujon, Tony Bourke, Kellie Targett, Selma Sancar and Patrick

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

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 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

Update on our Raffle?

This year we have raised $613.55 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 was here last meeting? Who remembers what we talked about? Did we put into practice? How did we go?

Insurance – check your policies, make sure not under insured.

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

Networking:
· Coffee Time 26th October
· Coffee Time 9th November
· 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 – 27th October and 1st December – Christmas Party

Education:
2011 – Visit BEC upstairs or log on to www.ccbec.org.au
Courses:
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 Cert IV. If interested contact Michelle on 4369 3704

Marama in conjunction with the BEC is running Word Press courses on the coast. For more information please contact Marama or the BEC. Dates – 19th of November

Update:
· Melbourne Cup – Wyong Race Club – 1st November
· B2B Tonight at Koonidah
· Spring Fling – 19th November (meet new people)
· Halloween Girls Night in – Events with pizazz running on the 28th October. Dress up. $35 per head ($5 from each ticket to the Cancer Foundation) entry fee covers a spooktacular drink on arrival, finger food all night, dancing and DJ, prizes to be won.
· Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation
· Check out Central Coast Tourism for events on the coast
· NSW Business Chamber Breakfast – Peter Fitzsimmons Thursday the 10th of November - $75 per person.

Wins:

- New Board for the Northern Lakes Business Chamber – Congratulations to Mark Izzard – President, Kate Morris, Paul McCarty and Tarnia Gurney for executive members
- Tarnia nominated and a finalist in the Wyong Chamber of Commerce Business Awards
- George from Meat at Georges nominated and finalist in the Wyong Chamber of Commerce Business Awards.
- Unique Security nominated and a finalist in the Wyong Chamber of Commerce Business Awards
- Kate has been nominated for the BEC Board
- Rob – organise 3 major deals and hired 3 new staff
- Kathy Bree- has new clients on board for the newspaper
- Leanna is in talks with a distributor for her candles.
- Marama – running a word press course with BEC

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

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

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com

Leeanna
Intimate Whispers www.intimatewhispers.com.au

Kathy Bree
Coffee News www.coffeenews.com.au

Karen Teunissen
CRS Australia www.crsaustralia.gov.au

Dawn
Iris Foundation www.irisfoundation.org.au

Rob Buckworth
Interactive Telecoms www.interactivetelecoms.com

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

Mark Izzard
Unique Security www.uniquesecurity.com.au

Lisa Moyle
Westpac – Lake Haven Small Business Manager www.westpac.com

No Presentation today – open forum on ways to improve your business.

Information utilised from Toyne Business Consultants – 20 ways to improve your business.

the turnover in your business is made up of just 3 factors;
The number of customers you have
The number of times those customers buy from you, and
The average value of each sale you make to them.

By increasing any or all of these factors…. you increase your turnover. Do you know these figures for your business?

Open discussion
o About how to do this point - Working out averages.

Identify what makes the product or service you sell, different from your competitors… then tell everyone.

Customers buy the differences they perceive. So you need to have them thinking about what you want, when they make a buying decision.

Open discussion on:
o Total Solution – what the client needs
o Pay for what you use and not for what you don’t
o Packages
o Offer a special

Referrals are the most cost effective form of marketing and often provide the most converted leads to sales.

Do you have a system for measuring, rewarding and maximising the referrals to your business?

What networking activities are you involved in to enable you to received referrals?

Do you ask your current customers for referrals?

o Referrals – ask for more
o Referrals are free
o Use free referrals, do not swap money or product for referrals – it keeps it open and each part knows what is expected.
o If someone gives you a referral, make sure they have used them as well. Not someone told you to use them.
o Build rapport with your clients
o Build rapport with your referral partners.
o Thank people for their referrals.
o Don’t expect them
o Test and measure where your referrals are coming from. How did the client get your details
o Costing for advertising through measuring – TV, radio, paper, etc
o Build relationships between businesses to refer to each other
o Know what other business people do so you can refer

Use the first sale to a customer as a lead in for future sales.

It is much easier to sell to an existing customer than a new one. Identify what further sales you can make to the customer. E.g.; maintenance items, add on products, or more sales of the same product.

Open Discussion
o Up sell, cross sell and bundle
o Working with others in business to sell to clients. E.g. – financial planner/mortgage broker; Conveyancer/mortgage broker/real estate agent.

Keep a current database of your existing, past and potential customers.

Not only does this allow follow up sales to be made easily (for the previous tip), it allows you to keep in contact with your customers. You can spend your marketing budget efficiently if you can target your customers. It will also allow you to keep your name in the minds of your customers.

Open Discussion
o Keeping in touch with people.
o Create a flow chart and spreadsheet to help you
o Phone clients
o Letters to clients
o Visit platinum clients
o Send cards
o Send emails
o Basic account management builds relationship gives referrals.
o Example below

Client
Existing
New
Potential
Phone
Email
Visit
When
Kate Thomas
y

y

Weekly
Mick Smith

y

y
y
y
Monthly
John Brown

y

y
quarterly

Thanks everyone for your participation, hope everyone got something out of it.

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

The winner of the raffle today was – Nicolette

Today we raised $41 for Iris Foundation + a fine from Kate of $2.

Thanks and see you next time

NEXT MEETING: 26th Of October – arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum

Coffee Time Minutes - 28th September 2011

2011-10-05T19:07:00.000-07:00

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)

Apologises:

Paul, Selma, April & Mark, 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 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

Update on our Raffle?

This year we have raised $572.55 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 was here last meeting? Who remembers what we talked about? Did we put into practice? How did we go?

Insurance – check your policies, make sure not under insured.

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 3 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 NOW.

Networking:
· 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 27th October
o 1st December – Christmas Party

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

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

Update:
· Melbourne Cup – Wyong Race Club – 1st November
· Spring Fling – 19th November (meet new people)
· Halloween Girls Night in – Events with pizazz running on the 28th October. Dress up. $35 per head ($5 from each ticket to the Cancer Foundation) entry fee covers a spooktacular drink on arrival, finger food all night, dancing and DJ, prizes to be won.
· Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation

Networking Events:
· Rotary Awards Night – 12th October – contact Mark Izzard for more information
· Rotary - 29th October Oktoberfest $45/head at the Halekulani Club. Cost includes a 2 course meal and entertainment
· Girls night in- Kate is the Central Coast Ambassador for the Cancer Foundation
o 28th October 2011- Tuggerah Zenith Centre
o 6th October 2011 - Rojo Rocket
· Rugby 7s - 8th October 2011 –Morrie Breen Oval, cultural festival and fire works.
· Promote- Graham Eadies son’s is riding through the Central Coast on the 10th October – raising money and awareness for cancer.
· Northern Lakes Chamber AGM and meeting 11th October 2011.
Wins:

- Kate – in Express Advocate for Cancer Foundation
- Tarnia – a finalist in the BWC award – Community service
- Tarnia - nominated for Wyong Chamber awards – community service and small business
- Tarnia - nominated for the FINSIA awards
- Tarnia – has been nominated for the Northern Lakes Chamber as the Treasurer
- Nicolette – 3 calls in 3 hours all for wedding photography on the same day.
- Nicolette – new website and blog starting
- Marama – hosting for websites now
- Marama – word press course to be in October with BEC
- Rachel – New Client Lead- Large local company have asked for quotes
-
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

Rachel Dillon
Elite Embroidery eliteembroidery1@yahoo.com

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

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

Natalie Williams
ET Australia www.etaustralia.com.au

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

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

No Presentation today – open forum on Customer Service

What is customer service?
Friendly service
A smile
A good tone in voice
Communication
Acknowledging people
Acknowledging inquiries
Being prompt
Time saving – response to email straight away
Not letting your customer run you
Pick up the phone – 3 rings
Polite attitude
Other things on customer service
Set block times – morning, lunch and afternoon for emails.
Skype no.s – normal calls coming in to your business through skype
Customers are always right
There are some customers that we do not need in our business
Rudeness from customers should not be tolerated
Rudeness from team members who don’t know their job – make sure staff have job descriptions
If you cant help someone, find someone that can
Refer customers to other people.
Ring people back within a service response time – not 2 weeks later. Within 24 hrs, or the next business day
Make an effort
Treat all clients/customers the same. Whether small or big. Same service, you never know when the small ones become big ones.
Not being selfish with your knowledge
Do surveys on your clients – ask your clients what they want.
Utilise survey monkey – free.
Survey Questions for your clients:
o How did you decide to use our company to assist with you business insurance?
o How does my "service" compare to other providers you use?
o Is there anything that stands out or impresses you most?
o I am considering diversifying my services/product lines. Are there any products in particular that would interest you?
o Is there anything I can do better?

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

The winner of the raffle today was – Natalie Williams.

Today we raised $26 for Iris Foundation

Thanks and see you next time

NEXT MEETING: 12th October – arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum

Coffee Time Minutes - 14th September 2011

2011-09-21T21:59:00.000-07:00

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)

Apologises:

Kate, Mel, Selma, April & Mark, 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 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

Update on our Raffle?

This year we have raised $546.55 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 was here last meeting? Who remembers what we talked about? Did we put into practice? How did we go?

Insurance – check your policies, make sure not under insured.

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 3 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

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:
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 Cert IV. If interested contact Michelle on 4369 3704

Update:
· Melbourne Cup – Wyong Race Club – 1st November
· Spring Fling – 19th November (meet new people)
· Halloween Girls Night in – Events with pizazz running on the 28th October. Dress up. $35 per head ($5 from each ticket to the Cancer Foundation) entry fee covers a spooktacular drink on arrival, finger food all night, dancing and DJ,, prizes to be won.
· Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation

Wins:

- Leanna – new candle business
- Kathy-Maree – got a client back she thought she had lost
- Tarnia – nominated for BWC awards – Community service and Small Business
- Tarnia nominated for Wyong Chamber awards – community service and small business
- Kathy- Maree starting a bookkeepers networking group
- Nicolette – has her calendar to sell – front cover of NZ calendar
- Nicolette – picked up 2 new wedding for central coast and NZ
- Tarnia has lost 16 cm off her waist.
- Marama – running a word press course with BEC
- Marama – just picked up a large client – 4 major Australian websites to be revamped
-
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

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

Rachel Dillon
Elite Embroidery eliteembroidery1@yahoo.com

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com

Leeanna
Intimate Whispers www.intimatewhispers.com.au

Kathy Bree
Coffee News www.coffeenews.com.au

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

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

Amanda Lott
SVPartners www.svp.com.au

No Presentation today – open forum

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

The winner of the raffle today was – Kathy Bree.

Today we raised $25.50 for Iris Foundation

Thanks and see you next time

NEXT MEETING: 28th September – arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum – Customer Service

Coffee Time Minutes for 28th August 2011

2011-08-24T18:31:00.000-07:00

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.

Coffee Time Minutes - 10.8.11

2011-08-14T23:10:00.000-07:00

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 & Café 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

Coffee Time Minutes 27th July 11

2011-08-02T19:43:00.000-07:00

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

Coffee Time Minutes 13.7.11

2011-07-13T01:24:00.000-07:00

Welcome

Welcome to our new visitors.

Apologises

Dean, Kathy, Toni

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 $40.00 bring the total raised $446.05 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

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 26th July
· 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
· 15th July – Westpac Chopper Race Day. This Friday
· Success Women’s Networking Luncheons
o 14th July – at the Diggers The Entrance
o 1st September
o 1st December

Expo’s in 2011
· 22/6/11 Central Coast Women’s Network – Mingara Tumbi Umbi – was really good

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, had one of her photos put on the front cover of the “village green” magazine, and a photo in NZ will be used in a NZ 2012 Calendar.
Kate raised $280 for the IRIS Foundation
Sue announces the Buy Local for 2012 – will be in Wyong Shire, and tentatively booked for the 18/19th of May 2012.
Dawn – Chris King contacted Iris Foundation to donate tickets to 2 productions at the Laycock theatre for the Slither and Slumber. 1, 2, & 3rd Prizes were $1000, $500 and $250, however have now doubled in value.
Julie Mac – is doing a deal for stop smoking on Groupon.
Casey – Best Signs had support page for Bryce. They donated $700 towards his trip O/S
Tarnia – picked up 2 new clients for Gurney financial Services, a contract for business management and a business plan for Planningwer4U

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
Iris Foundation www.irisfoundation.org.au

Dujon Zivic
Encore 8 www.encore8.com

Sue Liptrott
Buy Local online/ LBH Promotions/ B2B www.b2bwithatwist.com.au

Nicolette Gregory
Photographer onefitone@bigpond.com

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

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

Casey Targett
Best Signs www.bestsigns.com.au & www.grassads.com.au

Julie Mac
MindSlim http://www.mindslim.com.au

Selma Sancar
Voice Concepts www.voiceconcepts.com.au

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

Andrea Marth
Ozzie Splash www.ozziesplash.com.au

Today’s Presentation: Julie on Changing your Mindset

Mind set is the ideas & attitudes in which a person deals with things
How should we? What we do? Constrains us
These are the things we put on ourselves
Beliefs can be made up of
Environment
Things that happen to us
Things we need to achieve to get to where we want to be
Main Belief most people have is “ I’m not good enough”
We set high expectation of ourselves and other’s have high expectations of us
Not giving ourselves permission to live our full potential
Living to expectations - leads people to depression
We need to change our beliefs
Change the language we use
We have 50 -70,000 thoughts per day
The more you say it the more you live it – so think, say and live positive
Delete “have to” and “should” and can to “I am”
Take down walls around you
Take a positive look at the language you use
Write down positive language and put on your fridge or wall.
I am looking forward to….
I have ….
I nourish myself with love.
I bring peace and calm into my life
Questions
How do you turn the chitchat off in your head?
We trained it, so we have to untrain it
Need to meditate
Be mind full – means being present in the moment
Exercise – physically, which will change your endorphins
Change your focus
Meditate:
Clear a room,
Light a candle and watch the flame
Eyes will get tired
Make meditation a regular habit in your life, same time each day will help you take control of your life
How to put things in practice?
Takes time
Deal with one item/chore at a time
Write a list of everything you need to complete
Organisation
Change deadlines from 20 minutes to 24 hrs.
Think about everything differently
Be aware of your values
Be aware of your beliefs
Be aware of what you say
What you say becomes your belief
Remember …. I am….
Do it
See it
Hear it
Feel it
Complete a vision board
Set goals
Be aware of your language
Remember we all have an unconscious mind of a 7 yr old
Dreams – write down the information or words in what your dreams tell you.
Be positive

Thanks Julie for your time and information today.

Today we raised $40(included in total for year). Thanks for your support. Today’s winner is Sue Liptrott, Thanks to Tarnia 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: 27th July
Presentation – Tony Bourke – Goal Setting

Coffee Time Minutes for 22nd June 2011

2011-06-23T20:19:00.000-07:00

Welcome

Welcome to our new visitors.

Apologises

Selma and Kellie

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 $36.00 bring the total raised $406.05 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.

Networking:
· Coffee Time 13th July
· Coffee Time 26th July
· Fridays round the coast SBNG – 3rd Friday here at Zenith
· BWC lunches on each month – for more info contact Kym Williams
o July 6th
o August 3rd
o September 7th
· 15th July – Westpac Chopper Race Day – one table booked.
· Success Women’s Networking Luncheons
o 14th July – at the Diggers The Entrance
o 1st September
o 1st December

Expo’s in 2011
· 22/6/11 Central Coast Women’s Network – Mingara Tumbi Umbi – was really good

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:
15/6/11 - Business planning
13/7/11 – Importing and Exporting

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

Update:
· Melbourne Cup – Wyong Race Club
· 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.

Wins:

Jenny – 40 local disabled kids into work on the coast in 6 months, of that 12 of them in traineeships
Dean – as part of LJHOOKER has been able to raise money for “Give me 5 for kids”
Dean – won a holiday to the Gold Coast
Dawn – Through the buy local, money was raised through the workshops, the money for participants will be going to Iris Foundation. Thanks to LBH Promotions and B2B Buy Local
Tarnia- Spoke at her Primary School for their 50 yr reunion. Talked to the year 1’s.
Toni – completed the 5 lands walk on the weekend with family. Walked from MacMasters beach to Avoca beach
Jay – Coffee Time Member under took the workplace assessment and received a $500 voucher towards assisting their business making it safer.
Nicolette – Photographed all items at the “art to wear Festival” which will be distributed around Australia. Great promotion for her. Also the photographer at today’s Business expo.
Dawn – Even though the ball was cancelled, the virtual guests donation going ahead with Events with Pizazz. $10 per person going to the 30.6.11
Lyn – Had a breakfast to thank all supporters and sponsors of Buy Local. They will all be on board for next year aswell.

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

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com

Karen Teunissen
CRS Australia www.crsaustralia.gov.au

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

Dujon Zivic
Encore 8 www.encore8.com

Julie
Reflecting Living www.reflectiveliving.com.au

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

Dean Brown
Woodview Home Loans & LJ Hooker Financial Lending www.homeloansandfinance.com.au

Jenny Abourizk:
Job Centre Australia www.jobcentreaustralia.com.au

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

Nicolette Gregory
Photographer onefitone@bigpond.com

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

Jay Lewis
Work Cover NSW www.workcover.com.au

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

Today’s Presentation: Jay from Work Cover

1/12/10 is when all states and territories started on the changes to work cover and OH&S.
Legislation to be called the National Harmonised Legislation
OH&S now to be known as Work, Health & Safety
Employers will now been known as PCBU – Person conducting business undertaking
To support employers & employees
Main responsibility is Not to harm each other
Employees will now be known as a worker
Any staff whether contractors, sub contractors, casual, temporary, trainee, volunteers will be known as workers
There is 2 components to work cover – safety and education and workers compensation
PCBU are to be more proactive in their business and about safety in the workplace
More common sense
Employer needs to make sure nothing can hurt their workers
Working towards a legal obligation
PCBU to remove all hazards and risks in workplace
PCBU have a duty of care
Work cover have risk management consultants available to meet with business owners and help them move forward with new legislation.
All workers must be compliant with their PCBU’s, and obey all rules and regulations
PCBU must tell all workers including contractors, about regulations, rules, exclusion zones, safety, etc
All PCBU’s & workers have a duty of care to each other and the workplace
All PCBU’s must ask their workers how they wish to be informed of rules and regulations, whether that be a meeting, induction, bbq, memos, etc.
Jan 2012 is when the ACT will be put out.
Act – is what you need to do
Regulations – is how to do it
Guidance material – instructions

Jay 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

Thanks Jay for your time and information today.

Today we raised $36(included in total for year). Thanks for your support. Today’s winner is Dujon, Thanks to Dawn and Bev from Iris Foundation 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: 13th July
Presentation – Julie Mac – Change of Mind Set

Coffee Time Minutes - 8th June 11

2011-06-14T01:00:00.001-07:00

Welcome

Welcome to our new visitors.

Apologises

Nicolette, Julie Mac, Kate, Selma, Toni and Dean

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)

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 $5 fine, all money will be going to the IRIS foundation

Update on our Raffle?

This weeks raffle raised $27.00 bring the total raised $371.75 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.

Networking:
· Coffee Time 22nd June
· Coffee Time 13th July
· Coffee Time 26th July
· Fridays round the coast SBNG – 3rd Friday here at Zenith
· BWC lunches on each month – for more info contact Kym Williams
o July 6th
o August 3rd
o September 7th
· 15th July – Westpac Chopper Race Day – one table booked.
· Success Women’s Networking Luncheons
o 28th July
o 1st September
o 1st December

Expo’s in 2011
· 22/6/11 Central Coast Women’s Network – Mingara Tumbi Umbi

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:
15/6/11 - Business planning
13/7/11 – Importing and Exporting

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

Update:
· Iris Foundation is having a treasure hunt at the buy local festival. Looking for donations - $20 for each business. Contact admin@irisfoundation.com.au
· NSW Business chamber has an alliance with local chamber of commerce’s, speak to Daniel Farmer or your local chamber
· Melbourne Cup – Wyong Race Club
· Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation

Wins:

Unique Security – Mark and April Izzard – just won another contract for CCTV’s aswell as recently installing and monitoring CCTVS for the Shire.
Leeanna – New staff members, in talks with a lingerie company for promotion work
Julie – fundraising for Salaras (Cancer Patients on the Coast) raised $164 in a couple of hours through Reiki and Alternative healings.
Cassy – Best Signs – supporting a local kid go to Face book and like Bryce Cause. They will donate money to the cause
Rob – in talks to buy another telecommunications company.
Kellie Targett – 50% growth in her business in 12 months

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

Marama Carmichael
Essential Wellbeing www.essentialwellbeing.com.au

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

Leeanna
Intimate Whispers www.intimatewhispers.com.au

Karen Teunissen
CRS Australia www.crsaustralia.gov.au

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

Kathy Bree
Coffee News www.coffeenews.com.au

Rob Buckworth
Interactive Telecoms www.interactivetelecoms.com

Luke Beeby
Foresight Business foresight_business_services@hotmail.com

Casey Targett
Best Signs www.bestsigns.com.au & www.grassads.com.au

Dujon Zivic
Encore 8 www.encore8.com

April Izzard
Unique Security www.uniquesecurity.com.au

Phil Evans
People Stuff www.peoplestuff.com.au

Jackie Williams
Yellow Brick Road www.ybr.com.au

Julie
Reflecting Living www.reflectiveliving.com.au

Martin Odell
Future Works martinodell@aapt.net.au

Today’s Presentation: Budgeting by Tarnia from Gurney Financial Services

· In today's tough economic climate, it is more important than ever to budget and establish a savings plan. This is because budgeting is the best way for you to take control of your finances, save money and plan for the future.

· Some times it was easy to get away with a more casual approach to financial planning: you could be sure of earning enough to pay your bills, even if this meant looking for some extra overtime or taking a second job for a while. But those times are rare and wasted if you do not take advantage of them.

· A sound budget and a savings plan will help you achieve your immediate needs and long-term financial security. Few individuals or families know just how they spend their money.

· They know that at the end of their pay period - weekly, fortnightly or monthly - it is all gone. A budget will change this. It is the direct and sensible approach to personal money management.

· Basically, a budget is a financial plan that itemises an individual's or a family's spending and helps accomplish short-term and long-term goals.

· Its main purpose is not to get you out of trouble - although it will help. Better still, it will keep you out of trouble in the first place.

· In fact, a budget is really an essential part of everyday life. Without a budget it just is not possible to cope with those unexpected bills and to see at a glance, how you can most easily cut back you’re spending.

· The ultimate aim of budgeting is to ensure that you can:

o Adequately meet all your financial commitments and
o Have some money left over to save.

· Set a savings goal that is within your reach and will not put a strain on your budget. Even if you begin by saving only a small amount each pay period, this will add up over a year to a respectable amount.

· Everyone will have his or her own savings target. But, as a general rule, we suggest you aim to save 10 per cent of your gross annual income: five per cent for short-term aims and five per cent for longer-term intensions. While this may not be practicable now, it is worth aiming to reach this goal in the future - and sooner rather than later.

· People with young families should aim to build up an emergency fund equal to three months take-home pay in case of retrenchment or emergencies. Remember:

o Your savings will help you through those difficult times and emergencies;
o Savings will free you from day-to-day money worries;
o If you have money saved, you can use it in emergencies instead of credit cards (with their high interest charges);
o By saving, you will establish a financial track record, which will be important when you apply for a loan for a major purpose (house, land or car);
o Your longer-term savings will help you build up income-producing investments for a better, more secure lifestyle;
o By saving and investing responsibly, you will contribute towards Australia's future by helping to create a national savings pool to fund our development and reduce our dependence on foreign capital;
o A dollar saved is a dollar earned

· Deciding to budget does not mean that you have to cut out spending on discretionary items that are important to your lifestyle.

· But you should be realistic about them and become a disciplined shopper (as well as a disciplined budgeter). This will help make your money work better for you. Here are just a few ideas on this important topic:

o Consider buying lower priced "generics" or items of a similar nature to your regular purchases;
o Switch to less expensive versions of goods or services.
o Shop harder for the best possible deals on items you must have;
o Avoid buying items that are of limited value to you or your family;
o Become a comparison shopper: watch the advertisements and be aware that prices vary from day to day on a whole range of goods from furniture to food;
o Watch for genuine sales and specials;
o Deal with shops, which offer good service and will take goods back without argument if they are unsatisfactory.
o Shop for seasonal specials and stock your freezer. But buy in bulk only when you know you can use everything you intend to buy - otherwise you will have to throw a lot of it out. Waste is costly.
o Phase your purchasing of big items like furniture and major electrical goods over three to five years and buy only when you really need and can afford the items;
o Think about buying good second-hand items - check-out auctions and garage sales;
o If you are holding money in a special savings account, you can often use it to pay for an item - and get a discount for cash;
o Buy Australian-made goods in preference to imports - buying Australian helps save jobs and reduces the nation's overseas payments and debt problems.

· But you should be realistic about them and become a disciplined shopper (as well as a disciplined budgeter). This will help make your money work better for you. Here are just a few ideas on this important topic:

o Consider buying lower priced "generics" or items of a similar nature to your regular purchases;
o Switch to less expensive versions of goods or services.
o Shop harder for the best possible deals on items you must have;
o Avoid buying items that are of limited value to you or your family;
o Become a comparison shopper: watch the advertisements and be aware that prices vary
o from day to day on a whole range of goods from furniture to food;
o Watch for genuine sales and specials;
o Deal with shops, which offer good service and will take goods back without argument if they are unsatisfactory.
o Shop for seasonal specials and stock your freezer. But buy in bulk only when you know

· You can use everything you intend to buy - otherwise you will have to throw a lot of it out. Waste is costly.

o Phase your purchasing of big items like furniture and major electrical goods over three to five years and buy only when you really need and can afford the items;
o Think about buying good second-hand items - check-out auctions and garage sales;
o If you are holding money in a special savings account, you can often use it to pay for an item - and get a discount for cash;
o Buy Australian-made goods in preference to imports - buying Australian helps save jobs and reduces the nation's overseas payments and debt problems.

· Try to be as realistic as possible. Do not make the budget so tight and demanding that it will be impossible to achieve your goals. Do not make it too generous - or you will destroy your incentive to budget and save. Be flexible - but disciplined.

· Partners should budget together. But involve everyone in your household - tell them about your budget and savings goals and why it is so important to achieve them.

· Do not be discouraged if you cannot get your budget to work - try again. Once you have set up a workable budget, you will find that budgeting becomes a habit.

· Today is the best day to begin budgeting.

· There are two main items to consider: your INCOME and your EXPENDITURE.

In the section headed INCOME, list all your incoming money (after tax).

· Expenditure:

o When you begin compiling your expenditure, it will be helpful if you have by you all the receipts from last year's bills that you can find.

o If you do not have these, keep a detailed list of your spending over the next few months. If you see some items that you can cut back on, note them for future attention.

o If you look after your possessions, they will last longer. Money spent on maintenance to extend life of a costly item can be money saved.

o Learn to be a good supermarket shopper. Make up a shopping list - and stick to it. Avoid impulse buying. Once in a while it is OK to buy something you do not really need. But if you let impulse shopping get out of hand it will overload your trolley and destroy your budget.

o When you have completed your Budget, add up all your income and expenditure and subtract the expenditure total from the income total. What is left over is your spare money for the year.

o As this is a yearly figure, you will need to divide this by 52 to bring it down to a weekly figure, by 26 to make it fortnightly or by 12 to make it monthly. This money is yours to spend or to save; we suggest you save it each pay period.

· You may find that you have a shortfall - in fact that you are spending more than you earn.

· If this is the case, you will need to go back and reassess your expenditure or, look for ways to increase your income. You may have made a mistake with your calculations. Or you may need to cut down on some area of your spending: entertainment, gifts, clothing, and luxury items.

· It is better for you (or your family) to make these decisions, rather than have them taken out of your hands.

· This will enable you to see at a glance the payouts you will have to make each month to the nearest dollar. This means you can calculate the minimum amount you need to have available to meet your bills.

· Some months you will be more heavily committed to repayments than in other times of the year. Be sure you are adequately covered so you will not be short of money.

Debt Management
To take control of your debt, the first thing you should do is a budget. This will allow you to see exactly how much you are earning and spending. It will also show where you are overspending and possibly where this expenditure can be reduced.

If the burden of debt is starting to take control of you, for some people to consolidate all of these debts into the one loan would be the best solution. Consolidation allows you to lower your overall interest rate and more easily manage your debt.

Loan consolidation will save you interest where your new repayment and loan term are at least equal to your total current loan repayments and loan terms. Otherwise, you could be converting your short-term debts into longer-term debt and be paying more interest in the long run.

One option is to use the equity in your residential premises. If you have owned your home over the last few years, with the fuelling property prices you are likely to have the capital to cover your existing mortgage, as well as other loans and credit cards. You would need to refinance your home loan which usually offers more competitive interest rates than Credit Cards and Personal Loans.

By paying less interest, more of your repayment can be used to reduce the debt. This assumes that you maintain the same overall repayments.

You should ensure that your existing home loan offers the features and flexibility to repay sooner rather than later.

To ensure you take control of your debts:

Review all your debts regularly;
Close credit card and store accounts and have the discipline not to obtain more. Don't buy on credit; you are only using money you don't have.
Credit cards can work well and to your advantage, as long as you use them correctly. Only use the interest free period.
If you find yourself on the credit card round-a-bout, (that is every time you pay some money off you credit card you go out and put more on it), you have to STOP. You are spending more than you're earning.
If you do retain a credit card then ask the institution to reduce the limit to the minimum needed - this should be what you can comfortably repay each month.
Every time your statement arrives pay twice the required amount. Realise that you can do without it. If you don't stop using credit you will ALWAYS be in debt.
Resolve to spend money where it makes sense and cut back where it doesn't, paying particular attention to cash and expenditures. Your cheque book and credit card statements reveal big-ticket items, so that monitoring daily spending for a while may show where your money is slipping away in ways that don't give much satisfaction.
Most importantly a disciplined approach is needed to ensure debts are not increased to fund unnecessary purchases - a good rule of thumb is that your liabilities should not exceed your assets - if they do - it probably means you have borrowed for the wrong reasons.
Remember IT IS NEVER TOO LATE to take back control.

Review your spending patterns and curb these to fit within your budget!

The advice contained herein does not take into account any persons particular objectives, needs or financial situation. Before making a decision regarding the acquisition or disposal of a Financial Product persons should assess whether the advice is appropriate to their objectives, needs or financial situation. Persons may wish to make this assessment themselves or seek the help of an adviser. No responsibility is taken for persons acting on the information provided. Persons doing so, do so at their own risk. Before acquiring a financial product a person should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product.
Today we raised $27(included in total for year). Thanks for your support. Today’s winner is Phil Evans, Thanks to Leeana from Intimate Whispers 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: 22nd June
Presentation – Work Cover – Jay Lewis

Coffee TIme Minutes - 25th May 2011

2011-06-05T22:17:00.001-07:00

Welcome

Welcome to our new visitors.

Apologises

Dujon & Kathy, Bev and Dawn

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)

Update on our Raffle?

This weeks raffle raised $41.00 bring the total raised $344.75 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.

Networking:
· Coffee Time 8th June
· Fridays round the coast SBNG – 3rd Friday here at Zenith
· BEC – Women’s Forum 1st June at Diggers @ the Entrance
· BWC lunches on each month – for more info contact Kym Williams
· 15th July – Westpac Chopper Race Day

Expo’s in 2011
· 22/6/11 Central Coast Women’s Network – Mingara Tumbi Umbi

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:
25/5/11 - Modern Selling Techniques
8/6/11 - Business Planning
15/6/11 - Business planning
13/7/11 – Importing and Exporting

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

Small Business Week:
30/5 – How to budget to success – Cashflow @ Zenith 10.30 – 2.30
31/5 – Recovery of Outstanding Debts - @ Zenith 6pm to 9pm
1/6 – From Success to Significance @ Diggers The Entrance 11 – 1.30
1/6 – Fair Work for Small Business - @ Gosford RSL 11 – 1. or 2 – 3.30
For more information, please go to BEC, or DRDI (DII)

Update:
· Iris Foundation is having a treasure hunt at the buy local festival. Looking for donations - $20 for each business. Contact admin@irisfoundation.com.au
· NSW Business chamber has an alliance with local chamber of commerce’s, speak to Daniel Farmer or your local chamber
· 18th June – Masquerade ball at Wyong Race Club $77 per ticket Kate – Events with Pizzazz. Bring a virtual guest for $10, and then money will go to the Iris Foundation
· 23rd July Christmas in July
· Melbourne Cup – Wyong Race Club
· Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation

Wins:

Nicolette – 9 weeks in Business and has 7 weddings booked, was the photographer at the B2B event
Kate – 2Go & seafm ads going to air this week.
Juls – invited to talk at a women’s centre and cancer council
Lyn – B2B Festival has 2 new sponsors for next year
WCC – raised $600 for cancer council biggest morning tea.

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

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

Marama Carmichael
Essential Wellbeing www.essentialwellbeing.com.au

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

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

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

Warren Garth
Cats Accounting www.catsaccounting.com.au

Jay Lewis
Work Cover NSW www.workcover.com.au

Melissa Cooper
The Art of Intimacy www.melcooper.com.au

Shaun Nicolson & Selma Sancar
Voice Concepts www.voiceconcepts.com.au

Tony Bourke
AIIB Insurance www.aiib.com.au

Leanna
Intimate Whispers www.intimatewhispers.com.au

Nicolette Gregory
Photographer onefitone@bigpond.com

Jules – Insight Health

Today’s Presentation: Warren from Cats Accounting

What do accountants offer?
Tax returns
Software to help your business
Look at drivers in your business
Find cashflow problems

What is a specialised service CATS can do - Optimising your business?
MYOB profit optimiser
2 x 12 months figures
Run report
Analyse what cashflow is
Analyse profitability, margins, debtors days, etc

What is the difference between a bookkeeper and accountant?
Bookkeeper – enters raw data into MYOB / Quick books
Accountant – completes Tax returns, analyses figures, profitability, cashflow

Can you change accountants? And what do you need to do?
Letter from new accountant to old accountant.
The old accountant needs to send all records

Who owns your information?
The client owns the records
Accountants can scan all documents and provide to new accountant or/&client

What is the cost of a first consultation?
Usually complimentary
No advice given
Estimate given

How can you reduce your tax income - minimisation?
You should only complete legal taxable income and expenses
There is depreciation of items

What do banks look for if you have no wages but have drawings from business?
Look at depreciation
Look at drawings
Add backs into the accounts

What kinds of business structures are there and which is the best?
Sole Trader – no protection, cheap, ABN
Company – directors, wages and dividends, legal protection, - good
Trust – Discretionary Trust – protected – where $ goes to
Partnership – similar to sole trader – split the profits and losses.

What are the costs?
You pay for time. And hourly rate

GST Registration. When do you register?
$75,000 turnover /gross income
Today we raised $41(included in total for year). Thanks for your support. Today’s winner is Lyn Thompson, Thanks to Dawn & Bev 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: 8th June
Presentation – Budgeting

Coffee Time Minutes 11.5.11

2011-05-23T17:46:00.000-07:00

Welcome

Welcome to our new visitors.

Apologises

Cassandra, Dujon, Tony B, Casey, Julie & Dean

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)

Update on our Raffle?

This weeks raffle raised $27.00 bring the total raised $303.75 this year for the Iris Foundation in 2010.

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.

Networking:
• Coffee Time 25th May
• Coffee Time 8th June
• B2B Networking 12th May – Erina Black and White theme
• Fridays round the coast SBNG – 3rd Friday here at Zenith
• BEC – Women’s Forum 1st June at Diggers @ the Entrance
• BWC lunches on each month – for more info contact Kym Williams
• 15th July – Westpac Chopper Race Day

Expo’s in 2011
• 22/6/11 Central Coast Women’s Network – Mingara Tumbi Umbi

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:
• 11/5/11 – Operating a business from Home
• 18/5/11 - Modern Selling Techniques
• 25/5/11 - Modern Selling Techniques
• 8/6/11 - Business Planning
• 15/6/11 - Business planning
• 13/7/11 – Importing and Exporting

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

Small Business Week:
• 30/5 – How to budget to success – Cashflow @ Zenith 10.30 – 2.30
• 31/5 – Recovery of Outstanding Debts - @ Zenith 6pm to 9pm
• 1/6 – From Success to Significance @ Diggers The Entrance 11 – 1.30
• 1/6 – Fair Work for Small Business - @ Gosford RSL 11 – 1. or 2 – 3.30
For more information, please go to BEC, or DRDI (DII)

Update:
• Iris Foundation is having a treasure hunt at the buy local festival. Looking for donations - $20 for each business. Contact admin@irisfoundation.com.au
• Colour me RED – Fund raising for SIDS on the Coast. Fun Day at the Dam Hotel Warnervale on 22nd May 2011.
• 15th May – Samaritans High Tea at Kooindah
• NSW Business chamber has an alliance with local chamber of commerce’s, speak to Daniel Farmer or your local chamber
• 17th May – Friday Night Mingles for Singles and Couples @ Wyong Race Club $20 for food and entertainment
• 18th June – Masquerade ball at Wyong Race Club $77 per ticket Kate – Events with Pizzazz. Bring a virtual guest for $10, and then money will go to the Iris Foundation
• 23rd July Christmas in July
• Melbourne Cup – Wyong Race Club
• Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation

Wins:

Kate – won another wine pack – lucky draw at NLRBC
Kate – won the Jaffa draw with BEC at the recent Buy Local and has won a 12 month membership with BEC.
Kate went well at the buy local, a few signed up.
Tarnia has some good leads from the buy local, good event, thanks to Lyn and the Team at B2B.
Bev & Dawn – Drove snakes to Newcastle

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

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

Karen Teunissen
CRS Australia www.crsaustralia.gov.au

Marama Carmichael
Essential Wellbeing www.essentialwellbeing.com.au

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

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

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

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

Moria Bayliss
Herbalist moirabayliss@hotmail.com

Michelle Kavanagh
Central Coast Photo Balls www.ccballs.com.au

Angie
Cats Accounting www.catsaccounting.com.au

Graham Pirri
Send out Cards

Today’s presentation wasn’t held. But we had an open discussion on business, motivation, challenges. Thanks everyone for sharing

Today we raised $27(included in total for year). Thanks for your support. Today’s winner is Lyn Thompson, Thanks to Dawn & Bev 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: 25 May 2011
Presentation – Bookkeeping

Coffee Time Minutes - 27th April 11

2011-04-27T04:55:00.000-07:00

Welcome

Welcome to our new visitors.

Apologises

Dean, Kathy, Toni, Julie, Mark and April, Michelle

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)

Update on our Raffle?

Coffee Time raised $251.12 this year for the Iris Foundation in 2010.

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.

Networking:
• Coffee Time 11th May
• Coffee Time 25th May
• B2B Networking 17th May – Erina
• Success Women’s Networking – 5th May
• Fridays round the coast SBNG – 3rd Friday her at Zenith
• BEC – Women’s Forum 1st June at Diggers @ the Entrance
• BWC lunches on each month – for more info contact Kym Williams
• 15th July – Westpac Chopper Race Day

Expo’s in 2011
• 29-30 Apr 2011 – Buy Local Festival – Bridgecoast Stadium Terrigal
Over 180 people/businesses booked in to the festival already.
• 22/6/11 Central Coast Women’s Network – Mingara Tumbi Umbi

Advertising with Buy Local
• B2B – online buy local $22 per month – see B2B or http://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 http://www.ccbec.org.au/

Courses:
• 4/5/11 – Research Business Opportunities
• 11/5/11 – Operating a business from Home
• 18/5/11 - Modern Selling Techniques
• 25/5/11 - Modern Selling Techniques
• 8/6/11 - Business Planning
• 15/6/11 - Business planning
• 13/7/11 – Importing and Exporting

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

Update:
• Iris Foundation is having a treasure hunt at the buy local festival. Looking for donations - $20 for each business. Contact admin@irisfoundation.com.au

• Colour me RED – Fund raising for SIDS on the Coast. Fun Day at the Dam Hotel Warnervale on 22nd May 2011.
• 15th May – Samaritans High Tea at Kooindah
• NSW Business chamber has an alliance with local chamber of commerce’s, speak to Daniel Farmer or your local chamber
• 18th June – Masquerade ball at Wyong Race Club $77 per ticket
• 23rd July Christmas in July
• Melbourne Cup – Wyong Race Club

Wins:

Kate – Kate is giving away 50 $2000 holiday vouchers at the buy local. Started advertising on Face Book, and getting hits
Nicolette – picked up 2 weddings, and the photographer for the buy local Festival
Lisa – Kids back a school
Tony Bourke – one of his articles has been published in the “Insurance & Risk Professional” Magazine

Kate – Events with Pizzazz
18th June - Masquerade ball – brig a virtual guest for $10, and then money will go to the Iris Foundation

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

Casey Targett
Best:Signs www.bestsigns.com.au & http://www.grassads.com.au/

Tarnia Gurney
Gurney Financial Services http://www.gurneyfinancialservices.com.au/
Planningwerx4U http://www.planningwerx4u.com.au/

Nicolette Gregory
Photographer onefitone@bigpond.com

Kate Morris
Events with Pizazz http://www.eventswithpizazz.com.au/

Karen Teunissen
CRS Australia http://www.crsaustralia.gov.au/

Marama Carmichael
Essential Wellbeing http://www.essentialwellbeing.com.au/

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

Cassandra Parrish
Insight Health – Nutritionist & Wellness Coach http://www.cassandraraparrish.com.au/

Tony Bourke
AIIB Insurance Brokers http://www.aiib.com.au/

Lisa Matthews
Natural Beauty by Lisa

Luke Haanskorf
CCIT luke@ccit.net.au

Ellis Hopper
Rotary Club of Wyong http://www.d9680.rotary.org.au/

Presentation – Tips for Networking by Tarnia Gurney

Information is from Jennifer Harwood’s book – Art of Networking

• What is a network?
o Where people gather in a group, to meet new people, learn from each other, get inspired and gain confidence, find resources & leads

• When choosing a network:
o Understand your values.
o Know what you are looking for – what can you gain
o Know what you can offer

• 5 keys to joining a network
o Support local businesses
o Participate
o Contribute
o Keep a balance
o Have fun and learn

• Where to find a network group
o Speak to family and friends and let them know what you do and how they can help
o Emails, newsletters
o Industry groups
o Sporting groups – soccer or football clubs, netball and tennis groups
o Community groups
o Local councils

• Etiquette for networking
o Watch what you dress and how you present yourself
o Thinking about how you speak. Make sure you don’t swear, use slang, sound rough.
o Speak clearly
o Listen to the other person
o Be professional, friendly and welcoming
o Be authentic
o Be on time
o Wear a name badge

• Networking Tools
o Make sure you have professional business cards
o Including:
 Name
 Address
 Position and title
 Business name
 Contact numbers and address, website, email
 Company logos & colours
 Slogan
 On the back – what you do
o Brochures
o CDs & DVDs
o Electronic – Website, emails, phone

• Keys for successful Networking
o Have an intention – be clear
o Have a network buddy – introduce people
o Have a centre of influence – connect with others
o Create the conversation – listen and be interested
o Alliances – build relationships
o Be creative with your introduction
o Start slow and build relationships

• Remember the 3 P’s
o Patience
o Persistence
o Participation

• How to work a room
o Breathe
o Walk in
o Say hi to someone
o Introduce yourself
o Ask them have they been to an event before
o Be relaxed
o Say hi to someone else

• Remember Names
o Repeat their name when you meet someone
o Write down their details on their business card
o Remember the person

• What doesn’t work
o Gossiping
o Talking about yourself all the time
o Taking everyone’s card in a frenzy
o Watching the room
o Standing around waiting for someone to come to you

• What does work
o Have an intention – what can you give, who can you meet
o Being excited, friendly
o Share yourself and be real
o Hand out your cards
o Ask and give referrals
o Be generous
o Listen
o Follow up
o Ask the person what is the best thing about their business or role

These tips are from Jennifer Harwood’s book “the Art of Networking” great book to read. Has some exercise included helping people prepare for events. Jennifer is an expert in Networking and is an international motivational speaker. http://www.jenharwood.com/

Open discussion on Networking:
• Go and talk to people.
• Remember everyone was a first time networker
• Be yourself
• Speak clearly and professional
• Ask people what they do, be interested in them

• Join a group:
o Coffee time
o BNI
o Success Women’s Network
o B2B Events with a twist
o Business Women Connect
o Chamber of Commerce
o Small Business Networking Group
o Rotary
o Community group

• Help others interact
• Join a board – e.g.: Chamber of Commerce
• Join a online network through blogs or newsletters
• Don’t be a network junkie. Decide what works for you
• Talk to people you know, but meet others

Thanks everyone for sharing

Today we raised $26(included in total for year). Thanks for your support. Today’s winner is Cassandra, Thanks to Dawn & Bev 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: 11 May 2011 Presentation – ATO

Coffee Time Minutes - 13th April 2011

2011-04-22T14:14:00.000-07:00

Coffee Time Minutes 10.4.11

Welcome

Welcome to our new visitors.

Apologises

Dean, Dujon

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)

Update on our Raffle?

Coffee Time raised $251.12 this year for the Iris Foundation in 2010.

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.

Networking:
• Coffee Time 27th April
• Coffee Time 11th May
• Coffee Time 25th May
• B2B Networking 12th May – Erina
• Success Women’s Networking – 5th May
• Fridays round the coast SBNG – 3rd Friday her at Zenith
• BEC – Women’s Forum 1st June at Diggers @ the Entrance
• BWC lunches on each month – for more info contact Kym Williams
• WCC golf day on the 15th April - $75
• WCC dinner on the 19th April at Wallarah Bay
• 15th July – Westpac Chopper Race Day

Expo’s in 2011
• 29-30 Apr 2011 – Buy Local Festival – Bridgecoast Stadium Terrigal
Over 100 people/businesses booked in to the festival already. Advertising to start next week on TV, Radio, letter box drop, B2B book, and flyers around the coast. Some sites left, so if you’re interested, please contact Lyn Thompson ASAP. 3 weeks away.

• 22/6/11 Central Coast Women’s Network – Mingara Tumbi Umbi

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:
• 18/5/11 - Modern Selling Techniques
• 25/5/11 - Modern Selling Techniques
• 8/6/11 - Business Planning
• 15/6/11 - Business planning
• 13/7/11 – Importing and Exporting

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

Update:
• B2B Book out now an eye out for it.
• Wyong Chamber dinner – 23rd March was really good
• NSW Business Chamber – Breaki with Ita Buttrose – 25th March – wonderful, very inspiring.
• 15th May – Samaritans High Tea at Kooindah
• Northern Lakes Chamber of Commerce was last night – very good. looking for members
• NSW Business chamber has an alliance with local chamber of commerce’s, speak to Daniel Farmer or your local chamber
• 18th June – Masquerade ball at Wyong Race Club $77 per ticket
• 23rd July Christmas in July
• Melbourne Cup – Wyong Race Club

Feedback from the Coffee Time questionnaire of what people need from Coffee Time:

1. What do you think your business requires for it to go further?
• Marketing and advertising advice
• More sales
• Connections
• Clients/customers
• Networking
• Business contacts and relationships
• More awareness of their own business and others
• Promotion of health for business owners

2. What would you like to get out of Coffee Time?

• Networking
• Expert speakers
• Business knowledge
• Contacts
• Meeting new businesses
• Business ideas
• Marketing ideas – what works/what doesn’t
• Advertising
• Information

3. What does your business need to grow?

• Money
• Clients
• Fresh ideas
• Business ideas
• Higher profile

4. Can you offer others in the group any assistance, if so, how?

• Health assessments
• Photography
• Business help
• OH&S
• Training staff
• Bookkeeping
• Administration assistance
• Business planning
• Financial planning
• Mortgages
• SMS Marketing
• Personal insurances
• Business/ general insurance
• Websites
• Advertising
• Goal setting
• Advice
• HR training
• Business Planning

5. Do you have a business plan? Is it a Bank One? Monthly/3 monthly? How long ago was it created?

• Started – 1 person
• Never – 1 person
• Completed – 10 people
• Annually reviewed business plans – 3
• Weekly – 1

6. What do you or your business require assistance in?

• More client
• Mentoring
• Motivation
• Regulation
• Advertising
• Compliance
• Marketing
• Getting known

7. Do you attend Networking Groups? Are they providing the services you require?

• SBNG
• BNI
• BWC
• B2B
• NSW Business Chamber
• Northern Lakes Business Chamber
• Wyong Chamber of Commerce
• Wild Fig
• Success Women’s Networking

8. Do you run your business from home, an office? Do you know of anyone that would like to come along to coffee time: (name/email)

• Majority of people run businesses from home
• Some have small offices

Follow up of last week’s presentation: Who has been able to implement some changes to their lives. Here they are again:
1. Make your health a priority in your life
2. Drink more water – (filtered if possible) – minimum of 2 litres per day
3. Eat More fruit and vegetables – minimum 2 serves with lunch and dinner
4. Increase awareness o posture and move more – take the stairs
5. Be thankful or have gratitude for something each day

Wins:

Kate – won a case of wine, then 2 lucky door prizes at 2 different events
Dawn – won a lake haven voucher
Rob – Thanks to Tarnia for helping a friend in business last week.
Nicolette – photographed for a Real Estate and got her first wedding.
Tarnia – implemented the health changes that Cassie talked about – became a swapper – cut out cordial and drinks water with lemon juice and started walking every morning and has lost 3 kilos in 2 weeks.

Kate – Events with Pizzazz
Masquerade ball – brig a virtual guest for $10, and then money will go to the Iris Foundation

Lyn – B2B
At the Buy Local Festival there will be a unique coaching session. Need to book in this week, 7 speakers, 3 local business owners. $15/person.

Lyn – Make sure you all join “we love our Central Coast Region” on Face Book.

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 and Dawn
Iris Foundation www.irisfoundation.org.au

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

Nicolette Gregory
Photographer & Independent Associate – Usana Health Sciences
onefitone@bigpond.com

Rae Phillips
Inspire Success www.inspire-success.com

Kathy Bree
Coffee News www.coffeenews.com.au

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

Debbie Carroll
BEC – Central Coast Business Enterprise centre
www.centralcoastsmallbiz.com.au

Rob Buckworth
Interactive Telecoms www.interactivetelecoms.com

Moria Bayliss
Herbalist moirabayliss@hotmail.com

Daniel Farmer
NSW Business Chamber www.nswbusinesschamber.com.au

Julie Mac
MindSlim http://www.mindslim.com.au

Luke Beeby
Foresight Business foresight_business_services@hotmail.com

Alexandra Richard
Juice Plus www.amrichardjuiceplus.com

Presentation – NSW Business Chamber from Daniel Farmer

Overview:
• NSW Business Chamber purposes are to help small business and assist them with Compliance and Legislation and dealing with the government.
• NSW Business Chamber (NSWBC) was born in 1885, and was called MM1; its first client was Bill Arnott.
• It is a not for profit organization
• It is for members only
• Not government
• It provides business services back to its members

What we do:
• Education
• Networking
• Tools to support business
• HR
• Legislation assistance
• Business services
• Business hotline
• Back office support
• Work choices
• OH&S assistance
• Compliance
• Support for issues in the workplace
• Online diagnostics

Provide:
• Networking events
• Education
• Workshops
• Courses
• Seminars
• Guest speakers

Members:
• Join as a member $615 > depending on size of business
• Affiliation – chamber alliance. Any member of a local chamber gets an alliance with NSWBC, just complete the sign
• If member of NSWBC and member of other chambers get a discount in fee
• 97.4% business on the Central Coast is small business

Thanks Daniel - great presentation.

Today we raised $38.75(included in total for year). Thanks for your support. Today’s winner is ………… (I forgot), Thanks to Deb Carroll from the BEC who has donated today’s prize.

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

Michelle from Webstuff.biz has her books available - $29. Please contact her if you would like to purchase one.

Thanks and see you next time

NEXT MEETING: 27th April 2011
Presentation – NSW Business Chamber

2011-03-29T23:01:00.000-07:00

Coffee Time Minutes 23.3.11

Welcome

Welcome to our new visitors.

Apologises

Dean, Kathy, Kate and Lyn

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)

Update on our Raffle?

Coffee Time raised $212.45 this year for the Iris Foundation in 2010. This has been deposited into their account.

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.

Networking:
• Coffee Time 13th April
• Coffee Time 27th April
• Coffee Time 11th May
• Coffee Time 25th May
• B2B Networking 12th May – Erina
• Success Women’s Networking – 5th May
• Fridays round the coast SBNG – 3rd Friday her at Zenith
• BEC – Women’s Forum 1st June at Diggers @ the Entrance

Expo’s in 2011
• 29-30 Apr 2011 – Buy Local Festival – Bridgecoast Stadium Terrigal
Over 100 people/businesses booked in to the festival already. Advertising to start next week on TV, Radio, letter box drop, B2B book, and flyers around the coast. Some sites left, so if you’re interested, please contact Lyn Thompson ASAP. 3 weeks away.

• 22/6/11 Central Coast Women’s Network – Mingara Tumbi Umbi

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:
• 29/3/11 – Financial Statements
• 5/4/11 - Collections & bad debt recovery
• 18/5/11 - Modern Selling Techniques
• 25/5/11 - Modern Selling Techniques
• 8/6/11 - Business Planning
• 15/6/11 - Business planning
• 13/7/11 – Importing and Exporting

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

Update:
• B2B Book went to bed last night, and due out to 20,000 central coast businesses in the next 2 weeks. Keep an eye out for it.
• Wyong Chamber After Dark – 23rd March was really good
• NSW Business Chamber – Breaki with Ita Buttrose – 25th March – wonderful, very inspiring.
• Nights out to meet people on the coast, for singles and couples - the Yellow Piano 23rd of April– see Events with Pizazz website

Wins:

Marama – Computer fix and win for another client.
Dawn – Iris Foundation is the charity of choice with Northern Lakes Chamber of Commerce
Tarnia – spoke at a women’s luncheon
Nic – Survived Zumba
Debbie – thanked everyone for the support of the BEC

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

Nicole Lothian
SOS Onsite Admin www.sosonsiteadmin.com.au

Karen Teunissen
CRS Australia www.crsaustralia.gov.au

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

Dujon Zivic
Encore 8 www.encore8.com

Dawn
Iris Foundation www.irisfoundation.org.au

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

Marama Carmichael
Essential Wellbeing www.essentialwellbeing.com.au

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

Nicolette Gregory
Photographer & Independent Associate – Usana Health Sciences
onefitone@bigpond.com

Cassandra Parrish
Insight Health – Nutritionist & Wellness Coach www.cassandraraparrish.com.au

Rae Phillips
Inspire Success www.inspire-success.com

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

Hugh Bowman
Bowman Coastwide Bookkeeping
hugh.bowman@iinet.net.au

Margaret Slade
Central Coast Aerobic Dance
centralcoastaerobicdance@yahoo.com.au

Debbie Carroll
BEC – Central Coast Business Enterprise centre
www.centralcoastsmallbiz.com.au

Presentation – Health and Wellbeing

• 6 strategies for 2011 - from Tarnia (found in a business Mag)
o Check your drivers
 Get the right mindset
 Get a strategy
 Get support
o Make time for change
 10 – 20 minutes, 3 times a week
o Goal Setting for success
 Have a goal
o Establish a base line
 Get assessed by a personal trainer or doctor
o Little steps = big results
 Set yourself some goals
 Set a start date
 Set a finish date
 Book regular exercise into your diary
o Monitor your progress
 Check your weight and measurements
• Once a week or once a fortnight

• Toni –
o Values in life – Health and family
o Steps towards goals
 Diet
 Health
 Walking
 Gym
 Sport
 Personal trainer
o Movement is important – it encourages to the nutrients to the brain
o Biggest killer in the world is Diabetes and Obesity
o Make time to exercise – 10 minutes a day to start
o Moving helps with stress
o Change your environment
o Say affirmations – example: “I willingly release the thoughts and things that clutter my mind”, “I release__________ (person/place/event) to their highest good and I release me to mine”.
o Daily affirmations help us have a positive outlook on life
o Have a positive mental attitude.

• Cassandra – 5 easy to implement health tips

1. Make your health a priority in your life
“What’s the point of working hard as you do to grow your business if you cant reap the benefits of a quality lifestyle in the future”. It is important to prioritise and care for yourself so you can have enough energy and vitality to enjoy life

2. Drink more water – (filtered if possible) – minimum of 2 litres per day
A lot of minor health complaints can be alleviated from simply drinking more water. Majority of the population are dehydrated. Coffee and tea is not included – caffeine actually dehydrates.

3. Eat More fruit and vegetables – minimum 2 serves with lunch and dinner
Eat as close to nature as possible and eating more fruit and vegetables will ensure you are receiving adequate amounts of antioxidants, vitamins and minerals as well as the innate life force within these foods. Without these essential nutrients the body ages and breaks down fasters.

4. Increase awareness o posture and move more – take the stairs
Poor posture puts stress on the body and nervous system and increases the risk of degenerative arthritis and poor health. Make the conscious choice to move more, take the stairs and get up out of your chair more throughout the day.

5. Be thankful or have gratitude for something each day
When we are grateful or giving thanks for things in our life, no matter how small, we are in a happier/more positive frame of mind. It is amazing how much more motivated and full of energy we can be when we are in this state of mind. Say thankyou for as many things as you can think of everyday and observe your improved emotional wellbeing.

Thanks Toni and Cassie, of Insight Health at Erina - great presentation.

Today we raised $44 (included in total for year). Thanks for your support. Today’s winner Rae Phillips from Inspire Success, Thanks to Kathy from Coffee News who has donated today’s prize.

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

Michelle from Webstuff.biz has her books available - $29. Please contact her if you would like to purchase one.

Thanks and see you next time

NEXT MEETING: 13th April 2011
Presentation – NSW Business Chamber

Attention Central Coast - Buy Local Festival this April

2011-03-20T21:51:00.000-07:00

Coffee Time Minutes - 9th March 2011

2011-03-13T21:29:00.000-07:00

Coffee Time Minutes 11.3.11

Welcome

Welcome to our new visitors.

Apologises

Dean,

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)

Update on our Raffle?

Coffee Time raised $168.45 this year for the Iris Foundation in 2010.

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.

Networking:
· Coffee Time 23rd March
· Coffee Time 13th April
· Coffee Time 27th April
· Wyong Chamber After Dark – 23rd March
· NSW Business Chamber – Breaki with Ita Buttrose – 25th March
· Success Women’s Networking – 5th May
· Fridays round the coast SBNG – 3rd Friday her at Zenith

Expo’s in 2011
· 29-30 Apr 2011 – Buy Local Festival – Terrigal
Over 100 people/businesses booked in to the festival already. Advertising to start next week on TV, Radio, letter box drop, B2B book, and flyers around the coast.

· 22/6/11 Central Coast Women’s Network – Mingara Tumbi Umbi

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:
· 15/3/11 – Business Planning Part A
· 22/3/11 – Business Planning Part B

Update:
B2B Book went to bed last night, and due out to 20,000 central coast businesses in the next 2 weeks. Keep an eye out for it.
Action Coach is running Business Mastery – Business Cart IV. If interested contact Michelle on 4369 3704
Nights out to meet people on the coast, for singles and couples - Hawaii 5 O Cruise – 19th of March & Dinner at the Yellow Piano 23rd of April– see Events with Pizazz

Wins:

Marama – Saved client lots of money and helped him with his business and website.
Simon – Signed off on a deal with a company and assisted them with saving 40% communications
Michelle – has contributed to a new book that has just come out.
Michelle – Picked up Work Cover Website
Sharon – signed a 6 month lease with Ettalong Markets
Kate - CC Tourism to have new residents pack, and Kate’s events will be in it.
Lyn – Won 2 tickets to the Harbour Cruise on the 19th from Events with Pizazz
Tarnia – spoke at a women’s luncheon.

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

Michelle Allen
Webstuff.biz www.webstuff.biz

Nicole Lothian
SOS Onsite Admin www.sosonsiteadmin.com.au

Karen Teunissen
CRS Australia www.crsaustralia.gov.au

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

Dujon Zivic
Encore 8 www.encore8.com

Dawn
Iris Foundation www.irisfoundation.org.au

Kathy Bree
Coffee News www.coffeenews.com.au

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

Julie McDonald
Julie Mac www.juliemacypnosos.com.au

Marama Carmichael
Essential Wellbeing www.essentialwellbeing.com.au

Kellie Targett
Insurance Advisernet ktargett@iaa.net.au

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

Simon Calder
Celtic Management Solutions www.celticmanagement.net.au

Rob Buckworth
Interactive Telecoms www.interactivetelecoms.com

Jenny Abourizk:
Job Centre Australia www.jobcentreaustralia.com.au

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

Nicolette Gregory
Photographer & Independent Associate – Usana Health Sciences
onefitone@bigpond.com

Cassandra Parrish
Insight Health – Nutritionist & Wellness Coach www.cassandraraparrish.com.au

Michelle Bambridge
Action Coach www.actioncoach.com

Michelle Kavanagh
Central Coast Photo Balls www.ccballs.com.au

Bill Annesley
Central Coast Business Coaching Centre www.ccbusinesscoaching.com.au

Sharon Calder
Coop Handcrafts

Jo Thompson
Destiny By Choice www.destinybychoice.com.au

Presentation

Today’s presentation is about Social Media – By Michelle Allen of Webstuff.biz

Promotion of business through Face Book page.
Have a separate social profile
Have a business page where people can like, but make sure you have protection for your personal page
Company Pages/Business Pages
Interesting links
Interesting articles
Encourage business to business
Encourage and support businesses and charities
Promoting businesses
Sell your brand
BEC has vouchers for $20 – for a appointment with Webstuff.biz to meet with the team and discuss your Facebook/social media marketing
Work with your community
Face Book is world wide
Linked in is more for businesses and professional people
Twitter is for messages.
Add join us on twitter, Facebook or linked in on your website (good way of building your data base)
Central Coast Business Networking & We love our Central Coast Region Face Book pages – promote your businesses and meetings, like it.
Like other businesses on Face Book – helps promotion – e.g. – BEC, B2B, LBH Promotions, Gurney Financial Services
Link your business page through your personal profile
Post something every day or every week.
Twitter a message – forward to your Facebook. E.g.: Tarnia twitters a message; it goes through to Face Book, Linked in and My Space. She has different people on each of them
Make sure you have a website. Make it fresh and inviting

Today we raised $59 (included in total for year). Thanks for your support. Today’s winner was Toni Fountain, who won 1 ticket to the value of $65 for the upcoming Hawaii 5 O cruise from Kate at Events with Pizazz.

Thanks to Iris Foundation and Kathy from Coffee News who have donated a prize for the next 2 meetings. Feel free to donate a prize.

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

Michelle from Webstuff.biz has her books available - $29. Please contact her if you would like to purchase one.

Thanks and see you next time

NEXT MEETING: 23rd March 2011
Presentation – Health and Wellbeing

Coffee Time Minutes - 23rd February 2011

2011-03-01T18:39:00.000-08:00

Welcome

Welcome to our new visitors.

Apologises

Dean, Karen

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)

Update on our Raffle?

Coffee Time raised $107.45 for the month of February for the Iris Foundation in 2010.

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 98 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.

Networking:
• Coffee Time – 9th March
• Coffee Time 23rd March
• Wyong Chamber Dinner – 22nd February
• SWN International Women’s Luncheon at Mingara – 3rd March
• NSW Business Chamber – Breaki with Ita Buttrose – 25th March
• Fridays round the coast SBNG – 3rd Friday her at Zenith

Expo’s in 2011
• 29-30 Apr 2011 – Buy Local Festival
• 22/6/11 Central Coast Women’s Network

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:
• 21/2/11 & 28/2/11 – Online Workshop
• 1/3/11 – Sales and Marketing
• 7/3/11 – Online Workshop
• 15/3/11 – Business Planning Part A
• 22/3/11 – Business Planning Part B

Update:
• Wyong chamber dinner was last night – very good.
• B2B at Mantra Ettalong – great night, fantastic, first event coming next time,

Wins:

Dean – Business has increased
Tony B – my book made the Financial Review, Melbourne taslk back radio and the Townsville Bulletin
April – CCTV has gone into Budgewoi, San Remo and Toukley. Unique Security have donated surveillance
Rob – Maintained business whilst being disabled for 2 months.

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

Tarnia Gurney
Gurney Financial Services http://www.gurneyfinancialservices.com.au/
Planningwerx4U http://www.planningwerx4u.com.au/

Nicole Lothian
SOS Onsite Admin http://www.sosonsiteadmin.com.au/

Tim Close
Close Financial Group http://www.closefinancialgroup.com.au/

Marama Carmichael
Essential Wellbeing http://www.essentialwellbeing.com.au/

Kellie Targett
Insurance Advisernet ktargett@iaa.net.au

Toni Fountain
Insight Health http://www.insighthealthaustralia.com.au/

Sue Liptrott
LBH Promotions http://www.lbhpromotions.com.au/

Selma Sancar
Voice Concepts http://www.voiceconcepts.com.au/

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

Toni Oliver
Toni Oliver Conveyancing http://www.toniconveyancing.com.au/

Tony Bourke
AIIB Insurance Brokers http://www.aiib.com.au/

Dean Brown
Woodview Home Loans & LJ Hooker Financial Lending http://www.homeloansandfinance.com.au/

Simon Calder
Celtic Management Solutions http://www.celticmanagement.net.au/

Rob Buckworth
Interactive Telecoms http://www.interactivetelecoms.com/

April Izzard
Unique Security www.uniquesecurity.com.au

Marama Carmichael
Essential Wellbeing http://www.essentialwellbeing.com.au/

Martin Odell
FutureWorks martinodell@aapt.net.au

Margaret – Dancing Instructor

Jenny Abourizk:
Job Centre Australia http://www.jobcentreaustralia.com.au/

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

Nicolette Gregory
Photographer & Independent Associate – Usana Health Sciences
onefitone@bigpond.com

Presentation

Today’s presentation is about planning for 2011 – By Tarnia Gurney from Planningwerx4u

Business planning for success:

Did you know?
• 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

• Building your Business Plan for 2010
o You should spend about 2 hours in the next week or so to prepare and plan your 2010 and your future
o Your plan must be logical and viable
o It must be a Living document
o It will help you be organised

• What is your competitive advantage?
o Who will use your services
o What do you do better
o What is your advantage
o Who’s your market

• Market Research?
o Have you completed your research
o What are others doing?
o This can be time consuming but it is worth it

• What evidence have you got
o Go to Planningwerx4, Google, DSDR, BEC for assistance

• How much money can you make?
o What amount of money do you need to earn to cover your expenses
 Per month
 Per week
 Per day
 Per client

• Cashflow and Expenses
o Work out expenses – leases, licensing costs, stationary, superannuation, taxes, phones, wages, etc..

• Business Background
• Where are you located – home, office, shop front.
• What do you have to run a business – do your have the training, education, knowledge thru experience
• Know your products
• Know you industry
• Why do you want to be in business
• Who works the business
• Are you a sole trader, a company or a partnership – and how does it all work.

• Your team
• Who is your team?
• Who are your mentors?
• Are there other small businesses that can work with you and support you.

• Customers?
o Who are they
o Where do they come from
o What type of client – age
o Why would they come to you

• Competitors
o Know who they are
o And where they are

• Outside Influences:
o Technology
o Environment
o Legislation
o Regulations

• Issues and Opportunities
o Know your Strengths
o Know your Weaknesses
o Be honest with yourself as you will be able to build your strengths

• Business Systems
o Have office manuals
o Have procedures in place
o Have your systems up to date and in place

• Mission Statement
o What is it
o Does it define you and your business

Planningwerx4u has Business Planning Cds for $50 each, if you would like one please let Tarnia know. or contact http://www.planningwerx4u.com.au/ these CDs are usually sold for $397+GST.

This weeks raffle – donated by Meat at Georges, we raised $59.30 today

NEXT MEETING: 9th March 2011
Presentation – Social Media

Coffee Time MInutes - 9th of February

2011-02-13T15:34:00.000-08:00

Coffee Time Minutes 9th February 2011

Welcome

Welcome to our new visitors.

Apologises

Nil

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)

Update on our Raffle?

Coffee Time raised $661.20 last year through our raffles for the Iris Foundation in 2010. We have received a thankyou letter from Iris Foundation to say thanks to everyone who donated.

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 98 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.

Networking:
• B2B Event at Ettalong Mantra – 17th of February
• Coffee Time – 23rd February
• Coffee Time – 9th March
• Wyong Chamber Dinner – 22nd February
• SWN International Women’s Luncheon at Mingara – 3rd March

Expo’s in 2011
• 29-30 Apr 2011 – Buy Local Festival
• 22/6/11 Central Coast Women’s Network

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

Wins:

Selma – Voice Concepts won a contract to install the systems into the new Community Centre at Charlestown
Toni – Toni Oliver Conveyancing - Personal – son got picked for Olympics, however due to age
Dawn – Iris Foundation – Receiving a donation from Rotary and for the launch of the Toukley Sculptures.
Toni – Inspired Health – 4 new practitioners on board
Tarnia – Gurney Financial Services – turned 40yrs.
Julie Mac - Julie Mac Hypnosis Practice – is running her first session/course on the coast. For more information www.juliemacypnosos.com.au

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

Nicole Lothian
SOS Onsite Admin www.sosonsiteadmin.com.au

Irene Gardner
Under Cover Wear www.ucw.com.au

Alex
B2B Publications www.b2bwithatwist.com.au

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

Marama Carmichael
Essential Wellbeing www.essentialwellbeing.com.au

Karen Teunissen
CRS Australia www.crsaustralia.gov.au

Kellie Targett
Insurance Advisernet ktargett@iaa.net.au

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

Cassandra Parrish
Nutrition/Health cassparrish@hotmail.com

Jo Thomson
Destiny by Choice www.destinybychoice.com.au

Sue Liptrott
LBH Promotions www.lbhpromotions.com.au

Selma Sancar
Voice Concepts www.voiceconcepts.com.au

Lee-Anne Bevan
Lee-Anne Bevan Photography www.leeannebevanphotograph.com

Ted O’Shannessy:
Send Out Cards info@financialfreeway.com.au

Dujon Zivic
Encore 8 www.encore8.com

Dawn
Iris Foundation www.irisfoundation.org.au

Kathy Bree
Coffee News www.coffeenews.com.au

Moira Bayliss:
Herbalist moirabayliss@gmail.com

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

Toni Oliver
Toni Oliver Conveyancing www.toniconveyancing.com.au

Julie McDonald
Julie Mac www.juliemacypnosos.com.au

Rae Phillips
Inspire Success www.inspire-success.com

Presentation

Lyn Thompson – LBH Promotions and B2B with a Twist on Advertising and Marketing

There are different types on marketing and advertising, but today we are going to talk the best form of advertising – YOU.

• Networking tips:
 Look presentable, even professional – dress nicely
 Speak clearly
 Don’t be to quiet or too LOUD
 Be friendly
 Make sure you don’t move into peoples space – e.g. really close or waving your arms around
 Have a 30 second infomercial which you can say
 Ask the other person how they are and what they do

• Expo tips:
• Set up stand neatly and professional
• Have brochures or business cards to hand out
• Stand out in front of your stand to greet people.
• Don’t sit down or behind table or stand as not welcoming
• Introduce yourself – give short infomercial
• Be interested in the visitors. Ask them why they are here
• Don’t leave your site unattended, have someone cover your stand always
• Have a give away or complimentary lollies for the visitors
• Collect people’s information. Always express their information is for your data base only and will not be sold or given to others.

• Types of Advertising:
• Newspapers
• Radio
• Booklets
• Newsletters
• Emails
• Blogs
• Websites
• Facebook
• Linked In
• Television
• Print Media – tangible
• Television
• Radio

• Important points
• Plan your marketing and advertising 6 – 12 months in front
• Decide who is your market? Age, religion, creed, demographics
• Get your name out there
• Know you branding? Your label?
• Decide on pricing and how much you can afford
• Need to be consistent when advertising
• The more you buy the cheaper rate you may be able to get
• Promote your website
• Using newspaper and radio works well together
• Capture your audience
• Offer a free editorial – look for stories that are for the community
• Let people know when you get awards
• Show people you support charities
• Work out your budget on what you can afford
• Survey people – how they came across you – advertising, friend,
• Look at colour ads in newspapers – they are pricy though
• What is in your advertising – needs to have:
 Picture
 Logo
 Business name
 Wording
 Contact details
 Website
 Make sure it is a simple message
 Maybe bullet point
 Make an attention grabber headline.

This weeks raffle – donated by Gurney Financial Services, we raised $48.

NEXT MEETING: 23rd February 2011

Coffee Time minutes 8 December 2010

2010-12-19T19:33:00.000-08:00

Coffee Time Minutes 8 December 2010

Welcome

Welcome to our new visitors.

Apologises

Nil

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. Total $648.20

Networking:
• Back in 2011 – 9th February
• Wyong Chamber Dinner 30th November
• Wyong Chamber Breakfast 14th December

Expo’s in 2011
• 29-30 Apr 2011 – Buy Local Festival
• 22/6/11 Central Coast Women’s Network

Advertising with Buy Local
• B2B – online buy local $20 per month – see B2b

Education:
2011 – Directory to come in new year.

Christmas Party:

Can’t wait to see those who are coming.

Wins:

Robyn – engaged a videographer & editor
Dean – Maybe bringing on board a broker in new year
Lyn – 3 people jobs in new year
Tarnia – Asked to speak to kids and families from Macillop College at Warnervale – budgeting with families & teaching the kids.

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

Nicole Lothian
SOS Onsite Admin
www.sosonsiteadmin.com.au

Ted O’Shannessy:
Send Out Cards
info@financialfreeway.com.au

Moira Bayliss:
Herbalist
moirabayliss@gmail.com

Dawn
Iris Foundation
www.irisfoundation.org.au

Robyn Marsden
OzVideoTech - Marketing Small Business Online
www.ozvideotech.com.au

Dean Brown
Woodview Home Loans & Finance & LJ Hooker
www.homeloansandfinance.com.au

Nicolette Gregory
Photographer & Independent Associate – Usana Health Sciences
onefitone@bigpond.com

Karen Teunissen
CRS Australia
www.crsaustralia.gov.au

Lyn Thompson
Buy Local online/ LBH Promotions/ B2B
www.b2b.com.au

Mel Cooper
Art of Intimacy Coach – Relationships
www.theartofintimacy.com.au

Toni Fountain
Insight Health
toni_fountain@rslcom.net.au

Kellie Targett
Insurance Advisernet
ktargett@iaa.net.au

Presentation

Melissa Cooper – Communication

Communication at Christmas usually brings out the best and worst in people
• Suicide is higher
• People may not feel loved
• Don’t know how to talk to family about issues (money, lifestyle, health) which causes conflict
• Children and adults need to be open to more communication as this will open up trust and relations towards each other.
• By relating you realise how important you are to your family
• We often create unhealthy habits and relations which can often cause blame, silence, a distractor, talk over, too busy, and pointing the finger.

You need to talk to each other and ensure each other’s needs are met.
Stop blaming, if all else fails remove you from the situation until everything calms down.

This is a great time of year communication is the key to good relationships.

NEXT MEETING: 22nd December 2010

CHRISTMAS PARTY 

2010-12-02T18:48:00.001-08:00

Coffee Time Minutes 24 November 2010

Welcome

Welcome to our new visitors.

Apologises

Tarnia Gurney

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. Total $607.20

Networking:
• Coffee Times: 22ND December 2010 (Christmas Party)
• Back in 2011 – 14th January
• Wyong Chamber Dinner 30th November
• Wyong Chamber Breakfast 14th December

Expo’s in 2011
• 29-30 Apr 2011 – Buy Local Festival
• 22/6/11 Central Coast Women’s Network

Advertising with Buy Local
• B2B – online buy local $20 per month – see B2b

Education:
2011 – Directory to come in new year.

Christmas Party:

Our cut off date for our Christmas party has come and gone. If we don’t see you at either of the December meetings have a great Christmas and Happy New Year and see you in 2011.

Wins:

Ted O’shannessy will hopefully have his life back soon after the court case.
Christina (Wiggle & Giggle)
- Won the contract for 6 Central Coast Preschools
- Co-agreement with THE WIGGLES due to claim to the name
Tony Bourke’s book – Risk your life Risk your business is now part of the required reading for the Insurance Association training

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

Nicole Lothian
SOS Onsite Admin
www.sosonsiteadmin.com.au

Michelle Collins
Central Coast Photo Balls
www.ccphotoballs.com.au

Ted O’Shannessy:
Send Out Cards
info@financialfreeway.com.au

Darren & Christina Jones
Wiggle & Giggle Music
www.wiggleandgigglemusic.com.au

Kathy Bree
Coffee News
www.coffenews.com.au

Moira Bayliss:
Herbalist
moirabayliss@gmail.com

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

Michael Sandys
Find My Local
www.findmylocal.com.au

Dawn
Iris Foundation
www.irisfoundation.org.au

Presentation

Ted O’Shannessy – Appreciation Marketing

Ted undertook a presentation based on the Amazon.Com National Best-Seller Written by
Tommy Wyatt & Curtis Lewsey

How to achieve greatness through gratitude.

People remember you through what you do and say, if they feel good the feeling is good.
Saying thank you in more than a text message or speech can benefit you and your business.
Going overboard with thank you could help your business, not saying thank you at all is not beneficial
More people with work with you and your business if they like you.
If you want to be super successful in business don’t become one of the 7 Deadly Creatures
• The Sucker
• The Puker
• The Whiner ( sucker on training wheels)
• The Narcissus
• The vulture
• Mr Halitosis

Do you want your sincerity to look like Chocolate and Sprinkle Coated Dog Poop ?
No! Then be sincere and appreciate them honestly.

If you collect business cards class them as people, It’s not how many business cards you collect. It’s the quality of the relationships you build with those human beings. And it’s easy!

We as human beings have 100% control over exactly ONE thing . . .What we think!

Simple disciplines repeated daily will guide you to your destiny
• What would happen if you smoked a pack of cigarettes a day?
• What if you eat a half-gallon chocolate each day?
• What if you invested money every day?
• What if you appreciated the people in your life every day?

Try working on your own Appreciation Marketing Campaign!
• It can be as little as a phone call or
• As big as a card and present.

Ted suggested taking the business correlation off your cards and notes and make it more personal, but keep it within the reigns that work for your business.

NEXT MEETING: 8th November 2010 at 10:30am

PRESENTING: Melissa Cooper -Communication

Coffee Time 11 November

2010-11-16T19:04:00.000-08:00

Coffee Time Minutes 11 November 2010

Welcome

Welcome to our new visitors.

Apologises

Tony Bourke, Toni Oliver, Dean Brown

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. Total $563.2 for the year so far. November: $29

Networking:
• Coffee Times: 8TH & 22ND December 2010
. CCWN - luncheon - Mingara 12pm till 2pm. $55
• CCWN – Networking on the Green at Wamberal Breakers –24th November – if you would like to come along, please see Tarnia.

Advertising with Buy Local
• B2B – online buy local $20 per month – see B2b

Education:

BEC courses evening course last one for 2010

17th & 24th November 6-9 pm $55 p/p:
Modern Selling Techniques Part A & B

For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day. If you want to come along please organise and pay Tarnia within the month of November as our cut-off date is 30th of November.

Wins:

0 Central Coast Express Awards – Winners from Coffee Time
o Wiggle & Giggle– Community & Other Education
o Meat at Georges – Luke (Apprentice of the year) & Food Trade

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

Nicole Lothian
SOS Onsite Admin
www.sosonsiteadmin.com.au

Rob Buckworth
Interactive Telecoms
rob@interactivetelecoms.com

Shane Irwin
PC Fix
www.pcfix.com.au

Dujon Zivic
Encore Messaging
www.encoremessaging.com

April Izzard
Unique Security Group
www.uniquesecurity.com.au

Shaun Nicolson & Selma Sancar
Voice Concepts
www.voiceconcepts.com.au

Michelle
Central Coast Photo Balls
www.ccphotoballs.com.au

Rae Phillips
Inspire Success
www.inspire-success.com

Ted O’Shannessy:
Send Out Cards
info@financialfreeway.com.au

Toni Fountain
Insight Health
toni_fountain@rslcom.net.au

Nicolette Gregory
Photographer & Independent Associate – Usana Health Sciences
onefitone@bigpond.com

Jenny Abourizk
Job Centre Australia
jennya@jobcentreaustralia.com.au

Kellie Targett
Insurance Advisernet
ktargett@iaa.net.au

Elissa Scott
Elissa Scott Recruitment Pty Ltd
esrecruitment@bigpond.com

Presentation

Rae Phillips – Inspire Success - Small Business Staffing – New Media
Be positive and embrace new ideas.

How you can use new media (social media, smart phones and other online tools) to attract, recruit, manage and retain your human resources – whether employees, contractors, freelancers.

 Linked in
 Twitter
 Facebook
 Website
 Blog
 Internet

Attraction / Marketing
- Set up your profiles!
- Reputation of the business – Linked in & Facebook Business Page
- Testimonials – employees, clients, suppliers
- Scope of work – Website, Blog
- Starting groups - Linked in & Facebook
- Build credibility with links (Logos to associations)

Recruitment
- Twitter messages – direct message back
- Depending on the role – Linked in & Facebook Business Page
- Preemployment screening
- Qualifications / Reference Checks
- Dropbox.com –starter packs for review and forward

Project Work
- Freelancers – www.freelancer.com.au ; www.simplyhired.com.au
- Virtual Admin -
- Sharing information – www.dropbox.com

Retention
- Online training programs – software, leadership & communication skills – www.studynow.com.au
- Dropbox.com – performance reviews, checklists for customers
- Links to prepaid vouchers – phones, stores

Accounting Onlilne
- Many available but check the usability within your business.

NEXT MEETING: 24th November 2010 at 10:30am

2011: We are bringing the 2011 calendar to the next 2 meetings if you want to book a time for yourself to present please see Tarnia or Nicole

PRESENTING: Ted O'Shannessy on appreciative marketing

Coffee Time Minutes - 27th October

2010-10-31T15:27:00.000-07:00

Welcome

Welcome to our new visitors.

Apologises

James Merrilees, Toni Oliver, Toni Fountain, Dean Brown, Natalie Pye

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. Total $563.2 for the year so far. October $77.20

Charity Assistance

All for my family assistance for a local family in need. We raised nearly $20,000 for the family. Thanks to everyone who donated and supported the night. Wrist bands always available (All for my Family) $3

Networking:
• Coffee Time: 10th & 27th November 2010
• CCWN – Luncheon and Christmas get together is November the 18th
• CCWN – Networking on the Green at Wamberal Breakers –and 24th November – if you would like to come along, please see Tarnia.

Business Awards

• Coffee Time has received a nomination and become a finalist in the Central Coast Business Achiever Awards. The awards are on the 8th November, tickets are $95, and if you’re interested in coming along, you can book online. It starts at 6.30 and goes till about 11.30 at Ettalong Memorial Club. If you would like to come and are booking, make sure to say your wish to sit with Tarnia & Michael Gurney on the Coffee Time table.

Advertising with Buy Local
• B2B – online buy local $20 per month – see B2b

Expo - Dates 29th & 30th April – Central Coast Basketball Stadium (Bridgecoast Stadium)

lyn@b2bwithatwist.com.au
sue@b2bwithatwist.com.au

Kids Day out – Sponsers always welcome from $200 to $2000 see Christine from Wiggle & Giggle for more details

Trivia Nights coming up
Sea FM - supporting the RSPCA 5th November at Mingara

Education:

BEC courses evening course last ones for 2010 -17th & 24th November 6-9 pm $55 p/p:Modern Selling Techniques Part A & B
Also - Building your facebook page – see BEC for costs and time/date

For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day. If you want to come along please organise and pay Tarnia within the month of November as our cut-off date is 30th of November.

Wins:

• Wyong Chamber awards held 15th October
The winners who are coffee time members are:
Unique Security Group – Mark & April Izzard and team
Inspire Success – Rae Phillips
LBH Promotions – Lyn Thomson & Suzy Allport and team
• Tony brought Shane from PC Fix along to introduce and be there for when any of us have computer issues.
• Voice Concepts won a Hunter Valley Nursing Home Contract and are now in business with AVRA
• Sarley Group - assisting new businesses getting started.
• Soaring Free – 3 days a week permanent work facilitating people getting back to work.

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

Moira Bayliss: Herbalist
moirabayliss@gmail.com

Nicole Lothian: SOS Onsite Admin
www.sosonsiteadmin.com.au

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

Scott Lyons: Sarley Group
www.sarley.com.au

Rob Buckworth : Interactive Telecoms
rob@interactivetelecoms.com

Shane Irwin: PC Fix
www.pcfix.com.au

Dujon Zivic: Encore Messaging
www.encoremessaging.com

Mark Izzard: Unique Security Group
www.uniquesecurity.com.au

Chris Mills: Soaring Free
www.soaringfree.com.au

Martin Odell : FutureWorks
martinodell@aapt.net.au

Kathy Bree: Coffee News
kathy.bree@coffeenews.com.au

Selma Sancar: Voice Concepts
www.voiceconcepts.com.au

Michelle: Central Coast Photo Balls
www.ccballs.com.au

Presentation

Chris Mills – Soaring Free - Personal Development

GETTING FOCUSED
BEING POWERFUL
BEING FULLFILLED

Create 2 circles one inside the other. The outer is called Circle of Concern the inner Circle of Influence.

Your circle of concern is where it is affecting you but not necessarily being able to change the outcome. Is this too large with too much in it can you disengage yourself from some of these so things don’t get to you.

From our group the circle of concern suggestions:
Health
Wealth
Business
Family
Security
Goals
Home
Higher Profits

From the list about they have all come into our circle of influence. There are many other things that could be of concern to other people . If we manage our circle of influence better it helps time management and also helps sort out problems when they arise. Eg, Business going through bad times.

We all want to increase the profit margin within our business. But instead of looking at the end product look at how to get there.
Therefore look at your circle of concern and influence and see what you can do to this.

Tony Melvin Model below

Profit

Sales Margin

#Sales Average Sale

Prospects Conversion Rate

If we look at what we can do to assist Profit it can be seen that if you convert more prospects it will increase the sales, average sale, the margin and therefore the profit. So the work has to start with your prospects as without them you will not grow.

If business is getting on top of your or your home is try to create these circles and see what you can eliminate from your concern to try to get everything back on track. Talk to a friend to help you if you need to or a business associate. Who knows they may need a hand one day too.

Thanks Chris – very informative. If anyone would like to see Chris to discuss further please contact him.

Important Reminder

I created Coffee Time for home and small business owners to build relationships and friendships. Times can be hard, so please don’t forget Coffee Time and the people within are here to help each other if you have a problem if don’t know where to go. Come talk to someone in the group. Remember we are all in this group to help one another. Please don’t go down the path of no return.

NEXT MEETING: 11th November 2010 at 10:30am - 2 yr birthday for CT

PRESENTING: Rae Phillips on HR for your business.

Coffee Time Minutes 13.10.10

2010-10-18T19:35:00.000-07:00

Welcome

Welcome to our new visitors.

Apologises

Kathy Bree, Dean Brown

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. Total $524.20 for the year so far. October $38.20 today.

Charity Assistance

All for my family assistance for a local family in need.
- Wrist bands always available (All for my Family) $3
- 23/10/10 – Wyong Races for a night of fun (more details to follow)
If you wish to attend please contact Tarnia Gurney 02 4393 5979

Networking:
BNI – Seminar 14th October Thursday at Tuggerah Lakes Golf Club – 7am Breakfast $20.
· CCWN – Luncheon for October is 21st. 12pm at Mingara
· Coffee Times: 27th October & 10th November 2010
· B2B Networking end of year event
o (Camp Breakaway – San Remo)– 29th October
o Book in asap
o You can also stay the night and have breakfast the next day with everyone $80 for a cabin that sleeps 3 and ensuite or a hut sleeps 6 $60 with a communal bathroom
· CCWN – Luncheon and Christmas get together is November the 18th
· CCWN – Networking on the Green at Wamberal Breakers – 27th October and 24th November – if you would like to come along, please see Tarnia. Tickets will be on Sale soon

Business Awards
· Coffee Time has received a nomination and become a finalist in the Central Coast Business Achiever Awards. The awards are on the 8th November, tickets are $95, and if you’re interested in coming along, you can book online. It starts at 6.30 and goes till about 11.30 at Ettalong Memorial Club. If you would like to come and are booking, make sure to say your wish to sit with Tarnia & Michael Gurney on the Coffee Time table.

Advertising with Buy Local
· B2B – online buy local $20 per month – see Blair

Kids Day out – Sponsers always welcome from $200 to $2000 see Christina from Wiggle & Giggle for more details

Trivia Nights coming up
· Sea FM - supporting the RSPCA 5th November at Mingara

Education:

19 October - Collections & Bad Debt Recovery: Discover the secrets to getting paid27 October - Business Planning: Planning for your future (Part A)3 November - Business Planning: Eliminating common mistakes (Part B)

BEC courses evening courses - For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day). Numbers collected over next couple of monthChrss. And payment will be collected by 30th of November.

Wins:

Gurney Financial Services (Tarnia)- finalist in the Wyong Chamber Commerce Awards for micro business and community.
Buy Local (Blair) – Mobiqpons – free download on your Iphone or Android phone
AIIA Insurance (Tony) – Undertook 1st presentation to AIM 95% said excellent and 5% good and played 1st game of soccer in 10 years.
Wiggle & Giggle (Christine) – Finalist in Business awards for Community and education, Darren is now a permanent employee of the ASPECT school (Autisic) and Wyong Shire Council trialled the Kindy hire which they are now showing the rest of their directors with view to utilise fully.
Kids day out- Christine has managed to secure Sue Dengate to do a presentation on the day.

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

Moira Bayliss:
Herbalist
moirabayliss@gmail.com

Nicole Lothian
SOS Onsite Admin
www.sosonsiteadmin.com.au

Karen Teunissen
CRS Australia
www.crsaustralia.gov.au

Ted O’Shannessy:
Send Out Cards
www.sendoutcards.com

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

Natalie Pye
C&N Freight
www.cnfreightsolutions.com.au

Blair Speerin
Buy Local online/ LBH Promotions/ B2B
www.b2b.com.au

Simon Calder
Celtic Management Solutions
www.celticmanagement.net.au

Christine
Wiggle & Giggle

John Ruane
Business Expertise
bus_exp@bigpond.net.au

James Merrilees
Bfit Studio
www.bfitstudio.com.au

Hugh Bowman
Hugh Bowman Bookkeeping
hugh.bowman@iinet.net.au

Chris
Soaring Free

Michelle
Central Coast Photoballs
www.ccphotoballs.com.au

Presentation

Nicole Lothian – File & Data Management

Your computer has
· Died
· Been stolen
· Dropped in water.

Always ensure a backup of your computer is done periodically. They are talking a lot about cloud technology (Internet based) but if you don’t feel safe with it don’t do it. There are disadvantages and advantages always check it out yourself. Ask which way the backups are being undertaken. Is it mirroring a computer or having it as a recovery

A few reminders for the safety of keeping your business going – the back end of your business
· There is nothing wrong with Spring Cleaning your files.
· Back up data each day
· Keep a backup offsite from your main business location for safety
· Your hard copy files always remember to spring clean as well and archive no longer used files.

For those who have a serious amount of emails that are still kept on your outlook there are a few programs to help get them off your outlook and into a file.
This would be good for previous years correspondence and or archived files. A couple of these are.
· Adobe Acrobat Email archiver (NOT READER)
· Mapilabs utilties
· Sperrysoft utilities

There are times when you are not sure if you have updated multiple files in a location. (Backup drive for eg) Vice Versa is an example of software you can use to ensure the most current ones (and hopefully correct ones) are all there and correct.

If for some reason you don’t have a piece of software there is quite often a free version similar on the net, google and yahoo can help you search

Viruses :
Antivirus protection – Always ensure you have the most up to date virus protection on your computer. Don’t forget! don’t open it if you are not sure it may be a virus.

Assistance:
If you have questions and don’t want to look like a fool or you are just not sure.
Whirlpool forums are a good place to search for an answer or pose a question. The answer may be there.

A easy to read and understand magazine for computers is PC User magazine (Suggested by a Network Administrator & trainer). This is easy to read and understand for us normal people. Surveys, comparisons, assistance

NEXT MEETING: 27th October 2010 at 10:30am

PRESENTING: Personal Development

2010-09-26T20:55:00.000-07:00

Coffee Time Minutes 22th September 10

Welcome

Welcome to our new visitors.

Apologises

Selma Sancar

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. Total $486 for the year so far. September $76

Charity Assistance

All for my family assistance for a local family in need.
- Wrist bands always available (All for my Family) $3
- 23/10/10 – Wyong Races for a night of fun (more details to follow)
If you wish to attend please contact Tarnia Gurney 02 4393 5979

Networking:
· Tony is presenting at the BNI – 29th September – if you would like to come along, please see Tony today. Topic is Small Business Insurance at the Tuggerah Lakes Golf Club – 7am Breakfast $20.
· Coffee Times: 13th & 27th October 2010
· B2B Networking end of year event
o (Camp Breakaway – San Remo)– 29th October
o Book in asap
o You can also stay the night and have breakfast the next day with everyone.
· CCWN – Luncheon for October is 21st. 12pm at Mingara
· CCWN – Luncheon and Christmas get together is November the 18th
· CCWN – Networking on the Green at Wamberal Breakers – 27th October and 24th November – if you would like to come along, please see Tarnia. Tickets will be on Sale soon

Business Awards
· Coffee Time has received a nomination and become a finalist in the Central Coast Business Achiever Awards. The awards are on the 8th November, tickets are $95, and if you’re interested in coming along, you can book online. It starts at 6.30 and goes till about 11.30 at Ettalong Memorial Club. If you would like to come and are booking, make sure to say your wish to sit with Tarnia & Michael Gurney on the Coffee Time table.

Coffee Time
· Feedback – I want to personally thank those who took the time to complete my questionnaire the other day for Coffee Time. Your contribution is greatly appreciated.

· Feedback I got was for more presentations on
§ Time management
§ Business planning
§ Marketing and advertising
§ Business development
§ Personal development
§ Gov’t grants
§ Gov’t departments
§ Work cover
§ More presentations from others in the group

· If you missed one this year that you really wanted to attend please let us know so we can reorganise for you.

Advertising with Buy Local
· B2B – online buy local $20 per month – see Blair

Education:

BEC courses evening courses - For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Upcoming events in October
13th October – Decision for profit making.

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day). Numbers collected over next couple of months. And payment will be collected by 30th of November.

Wins:

Natalie Pye – Son got into CC Sports Academy
- 2 trucks are now operating
LBH Promotions - Contract for RTA won
Tony Bourke – Booked to talk at Australian Institute of Management (NSW)
Ted O’Shannessy - New leads looking good with Synergy
Rob Buckworth – Younger brother – Andy (Salt Lake City) went well with finals for extreme sports

Challenges

Internet/Bank Fraud: Melissa has discovered after having fraud committed against her business, there is no insurance to cover this and she is liable. Even after telling the bank this had occurred. During the discussion it was suggested to contact ASIC and/or the Trust Defender.

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

Moira Bayliss:
Herbalist
moira_bayliss@gmail.com

Nicole Lothian
SOS Onsite Admin
www.sosonsiteadmin.com.au

Karen Teunissen
CRS Australia
www.crsaustralia.gov.au

Ted O’Shannessy:
Send Out Cards
www.sendoutcards.com

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

Natalie Pye
C&N Freight
www.cnfreightsolutions.com.au

Blair Speerin
Buy Local online/ LBH Promotions/ B2B
www.b2b.com.au

Ian Roberts
The Tag & Test Man
testntag@hotkey.net.au

Julie Roberts
Contours – Lake Haven
lakehaven@contours.net.au

Melissa Cooper
Art of Intimacy
www.melcooper.com.au

Toni Fountain
Insight Health
toni_fountain@rslcom.net.au

Toni Oliver
Toni Oliver Conveyancing
tonioliver@bigpond.com

Dean Brown
Woodville Home Loans & LJ Hooker Financial Lending
www.homeloansandfinance.com.au

Bruce Clarke
Macquarie Wealth
www.macquariewealth.com

Brett O’Malley
Macquarie Wealth
www.macquariewealth.com

Simon Calder
Celtic Management Solutions
www.celticmanagement.net.au

Rob Buckworth
Interactive Telecoms
www.interactivetelecoms.com

Presentation

Brett O’Malley – Macquarie Wealth – Economic Update

What has happened over the past few years has still a way go to. But Australia is currently in a good place in the world economy.
Because of the GFS (Global Financial Crisis) and the debts associated with them, Many large businesses have consolidated debts are paying them off at high rates due the low interest rates.

The countries in the European union (Portugal, Italy, Greece, Spain) that are in major financial problems are affecting London markets and other European countries, not Australia at this time.

If you to want to invest in the stock market the minimum to start at is $500 but better off $5,000 to allow for all fees. A realistic return is between 10-15%. Do your research before going into the market. For a new investor Brett suggests utilising the top 20-50 companies. Always ensure you check with your stockbroker if you are unsure about anything.

The commodities markets in Australia are still going strong and the Australian dollar is currently at record highs. This is keeping Australia a little bit safer with the economy.

A good book to read is by Dale Giliman – How to beat managed funds by 20%.

NEXT MEETING: 22nd September 2010 at 10:30am

PRESENTING: Nicole Lothian – File Management & Data Management

Coffee Time Minutes - 8th September 2010

2010-09-07T22:48:00.000-07:00

Welcome

Welcome to our new visitors.

Apologises

Christine Jones, Kathy Bree, Dean Brown, Selma Sancar

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. Total $435 for the year so far.

Charity Assistance

All for my family assistance for a local family in need.
- Wrist bands always available (All for my Family) $3
- 22/9/10 – Movie Night at Greater Union Tuggerah - $20
- 23/10/10 – Wyong Races for a night of fun (more details to follow)
If you wish to attend please contact Tarnia Gurney 02 4393 5979

Networking:
B2B Networking night (Floraville)– 9th September
- 6pm for Networking
- If anyone requires car pooling please give us a call, as we have a few interested.
Coffee Time Dates: 22nd September & 13th October 2010
Central Coast Women’s Lunch 16th September at Mingara
Tony is presenting at the BNI – 29th September
Small Business Insurance
Tuggerah Lakes Golf Club – 7am Breakfast $20.
B2B Networking end of year event
(Camp Breakaway – San Remo)– 29th October
B2B – online buy local $20 per month

Education:

BEC courses evening courses - For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Upcoming events in September & October
15th September – Research business opportunities – Getting into business
13th October – Decision for profit making.

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day). Numbers collected over next couple of months. And payment will be collected by 30th of November.

Wins:

Tony Bourke – elected to Wyong Chamber of Commerce & recieved his first royalties cheque from his book.
Unique Security – Finalist – Northern Lakes Chamber Business Awards 2010 & Central Coast Advocate Business Awards 2010
Tarnia Gurney – Finalist – Central Coast Advocate Business Awards 2010; & In the final 20 for Adviser of the year for AFA Awards

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

Moira Bayliss:
Herbalist
Moirabayliss@yahoo.com.au

Nicole Lothian
SOS Onsite Admin
www.sosonsiteadmin.com.au

Karen Teunissen
CRS Australia
www.crsaustralia.gov.au

Ted O’Shannessy:
Send Out Cards
www.sendoutcards.com

Brendan McGann
Vital Inspections
vitalinspect@gmail.com

Derek Taylor
Industry & Investment NSW
www.business.nsw.gov.au

Darrell Bolley
Industry & Investment NSW
www.business.nsw.gov.au

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

Natalie Pye
C&N Freight
www.cnfreightsolutions.com.au

Mark Izzard
Unique Security
www.uniquesecurity.com.au

Blair Speerin
Buy Local online/ LBH Promotions/ B2B
www.b2b.com.au

Rae Phillips
Inspire Success
www.inspire-success.com.au

Presentation

Derek Taylor – Industry and Investment NSW (previously Department State & Regional Development
If you want to be on the distribution list for information relating to this
please email : dsrd_gosford@business.nsw.gov.au

Or log onto
www.business.nsw.gov.au for more details.

Located at the Ourimbah University Incubator

Assists business grow and develop
- Financial assistance
- Grants to assist business growth
o Eg: medium business 20 employees looking to put on another 10 employees.
§ Offer assistance – financial grants
§ Rebates on Tax
- Programs available
- These have to be for job growth
- Business Growth program
o Receive up to $10,000 per year
o At least 2 years trading
o More than 2 employees
o Under $1 million
o Assistance to identify markets/growth
o Website
o E-commerce
o Assist Marketing requirements
o Corporate brochures & DVD’s
- Non-Financial Assistance
o Diagnostic
o Innovation/Marketing Plan/Business Plan
o BEC
o Other Business
o Industry & Investment Website
o Issues/facilitate relationships
o Networking
- Regional growth of jobs – next 25 years – relocating and assist in facilitation of move and employment
- Regional promotion for move to Central Coast
- Exporting – advise for businesses
- Events
o Tradeshows
o Expo’s
o Networking
o Showcases
o Training
o Assistance
o Seminars
o Newsletters
o Central Coast Manufacturing Connect coming soon
- Infrastructure funding/support – Working with council, government departments to assist in business relocation eg roads/utilities

A good way to increase your advertising is ask to sponsor your kids sporting teams or clubs. Mark Izzard and Unique Security are the major sponsor for Woongarrah Wildcats Football Club, he did it for long term exposure and because his children play for them. Advertising in the local community gets you seen. (Related to last fortnights business development conversation’s)

NEXT MEETING: 22nd September 2010 at 10:30am

PRESENTING: Brett O’Malley - Macquarie Private Wealth ‘Economic Update’

Coffee Time 25 August 2010

2010-08-25T16:59:00.000-07:00

Coffee Time Minutes 25th August 10

Welcome

Welcome to our new visitors.

Apologises

Tony Bourke, Mark Izzard, Simon Calder, Natalie Pye, Melissa Cooper, Toni Oliver

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. Total $401 for the year.

Charity Assistance

All for my family assistance for a local family in need.
22/9/10 – Movie Night at Greater Union Tuggerah - $20
23/1010 – Wyong Races for a night of fun (more details to follow)

Networking:
Synergy Breakfast – Zenith Building at 7:30 on Friday 3rd September
B2B Networking night (Floraville)– 9th September
6pm for Networking
Coffee Times: 8th & 22nd September & 13th October 2010
Central Coast Women’s Lunch 16th September at Mingara

Education:

BEC courses evening courses - For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Upcoming events in. August, September & October
25th August – Sales and Marketing - an overview
15th September – Research business opportunities – Getting into business
13th October – Decision for profit making.

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day). Numbers collected over next couple of months. And payment will be collected by 30th of November.

Wins:

Dean Brown – LJ Hooker has been taken on board
Rob Buckworth – His brother has had fantastic success in the Xgames (bikes), Andy placed third. In the New Year he will be travelling around Australia with Nitro Circus.
Karen Teunissen – Client has changed life around, just achieve a new job that is leading to a career, and doing counselling.
Tarnia Gurney – Being nominated for Financial Advisor of the Year Award from AFA a phone interview from the CEO is happening Thursday.

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

Selma Sancar & Shaun Nicolson
Voice Concepts
www.voiceconcepts.com.au

Moira Bayliss:
Herbalist
Moirabayliss@yahoo.com.au

Nicole Lothian
SOS Onsite Admin
www.sosonsiteadmin.com.au

Rae Phillips
Inspire Success
www.inspiresuccess.com.au

Karen Teunissen
CRS Australia
www.crsaustralia.gov.au

Ted O’Shannessy:
Send Out Cards
www.sendoutcards.com

Rob Buckworth:
Interactive Telecoms
rbuckworth@c4telecom.com.au

Dean Brown
Woodview Home Loans & Finance
www.homeloansandfinance.com.au

Brendan McGann
Vital Inspections
vitalinspect@gmail.com

Kathy Bree
Coffee News
www.coffeenewscc.com.au

Lyn Goddard
Market Australia
www.marketaustralia.com.au/vitaminsforu

Presentation

Business Development – General Discussion

Things to look at in business:
Have the right attitude for business
Focus on what you do well
Build relationships by assisting each other but don’t always assume there will be something in return.
Being seen helping in the local community
Know the market you are aiming for, for your business (Target Market)
Review your competitors and find your unique perspective for you business to sell.
Look at your growth in sales
Develop systems, sales and procedures in the office
Marketing/Advertising - Facebook, twitter, Linked In, Myspace – pages and adds can be created on these sites also knowing your keywords to assist in your marketing material especially online
More leads, convert them to more sales
If need help you can seek out a mentor with other business people
Networking with different groups of people
Networking can give you support, answer questions and seek advice, make contacts from, even work with them
Document everything
Build relationships between staff & management which in turn to help grow your business
Ensure staff have a variety of work and allow them to expand (training)
Technology – Ensure your computer systems are right, Backups, Procedures, Systems

NEXT MEETING: 8th August 2010 at 10:30am

PRESENTING: Peter Brown - NSW Department of State and Regional Development

2010-08-10T20:31:00.000-07:00

Coffee Time Minutes 11th August 10

Welcome

Welcome to our new visitors.

Apologises

James Merrilees - Bfit Studio

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. Total $380 for the year.

For August so far we have raised $21.00

Networking:
· Central Coast Women’s Lunch 12pm Mingara 19th August 2010
· $44 Non-Members
· $33 for Members
· B2B Networking night (Floraville)– 9th September
· 6pm for Networking
· Coffee Times: 8th & 22nd September

Education:

BEC courses evening courses - For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Upcoming events in. July and August
· 25th August – Sales and Marketing - an overview
· 15th September – Research business opportunities – Getting into business
· 13th October – Decision for profit making.

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day). Numbers collected over next couple of months. And payment will be collected by 30th of November.

Wins:

Simon Calder
New contract starting in a month.

Scott Lyons
QLD Coal Mine marketing plan accepted
Arctic Stone Ice Cream launching in Cairns

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

Selma Sancar
Voice Concepts
www.voiceconcepts.com.au

Moira Bayliss:
Herbalist
Moirabayliss@yahoo.com.au

Nicole Lothian
SOS Onsite Admin
www.sosonsiteadmin.com.au

Simon Calder
Celtic Management Solutions
simon@celticmanagement.net.au

Lyn Thompson
B2B - Marketing in Business Book & Networking
Buy Local – online connect
www.b2b.com.au

Blair-adele Speerin
Buy Local – online connect
www.b2b.com.au

Glen Zocher –Photographer
Industrie Images Commercial Photography
www.industrieimages.com.au

Scott Lyons
Sarley Group
www.sarley.com.au

Presentation

Tarnia Gurney – Gurney Financial Services

Getting your financial affairs in order.

Budgets

· In today's tough economic climate, it is more important than ever to budget and establish a savings plan. This is because budgeting is the best way for you to take control of your finances, save money and plan for the future.

· Some times it was easy to get away with a more casual approach to financial planning: you could be sure of earning enough to pay your bills, even if this meant looking for some extra overtime or taking a second job for a while. But those times are rare and wasted if you do not take advantage of them.

· A sound budget and a savings plan will help you achieve your immediate needs and long-term financial security. Few individuals or families know just how they spend their money.

· They know that at the end of their pay period - weekly, fortnightly or monthly - it is all gone. A budget will change this. It is the direct and sensible approach to personal money management.

· Basically, a budget is a financial plan that itemises an individual's or a family's spending and helps accomplish short-term and long-term goals.

· Its main purpose is not to get you out of trouble - although it will help. Better still, it will keep you out of trouble in the first place.

· In fact, a budget is really an essential part of everyday life. Without a budget it just is not possible to cope with those unexpected bills and to see at a glance, how you can most easily cut back you’re spending.

· The ultimate aim of budgeting is to ensure that you can:
o Adequately meet all your financial commitments and
o Have some money left over to save.

· Set a savings goal that is within your reach and will not put a strain on your budget. Even if you begin by saving only a small amount each pay period, this will add up over a year to a respectable amount.

· Everyone will have his or her own savings target. But, as a general rule, we suggest you aim to save 10 per cent of your gross annual income: five per cent for short-term aims and five per cent for longer-term intensions. While this may not be practicable now, it is worth aiming to reach this goal in the future - and sooner rather than later.

· People with young families should aim to build up an emergency fund equal to three months take-home pay in case of retrenchment or emergencies. Remember:

o Your savings will help you through those difficult times and emergencies;
o Savings will free you from day-to-day money worries;
o If you have money saved, you can use it in emergencies instead of credit cards (with their high interest charges);
o By saving, you will establish a financial track record, which will be important when you apply for a loan for a major purpose (house, land or car);
o Your longer-term savings will help you build up income-producing investments for a better, more secure lifestyle;
o By saving and investing responsibly, you will contribute towards Australia's future by helping to create a national savings pool to fund our development and reduce our dependence on foreign capital;
o A dollar saved is a dollar earned

· Deciding to budget does not mean that you have to cut out spending on discretionary items that are important to your lifestyle.

· But you should be realistic about them and become a disciplined shopper (as well as a disciplined budgeter). This will help make your money work better for you. Here are just a few ideas on this important topic:

o Consider buying lower priced "generics" or items of a similar nature to your regular purchases;
o Switch to less expensive versions of goods or services.
o Shop harder for the best possible deals on items you must have;
o Avoid buying items that are of limited value to you or your family;
o Become a comparison shopper: watch the advertisements and be aware that prices vary from day to day on a whole range of goods from furniture to food;
o Watch for genuine sales and specials;
o Deal with shops, which offer good service and will take goods back without argument if they are unsatisfactory.
o Shop for seasonal specials and stock your freezer. But buy in bulk only when you know you can use everything you intend to buy - otherwise you will have to throw a lot of it out. Waste is costly.
o Phase your purchasing of big items like furniture and major electrical goods over three to five years and buy only when you really need and can afford the items;
o Think about buying good second-hand items - check-out auctions and garage sales;
o If you are holding money in a special savings account, you can often use it to pay for an item - and get a discount for cash;
o Buy Australian-made goods in preference to imports - buying Australian helps save jobs and reduces the nation's overseas payments and debt problems.

· But you should be realistic about them and become a disciplined shopper (as well as a disciplined budgeter). This will help make your money work better for you. Here are just a few ideas on this important topic:

o Consider buying lower priced "generics" or items of a similar nature to your regular purchases;
o Switch to less expensive versions of goods or services.
o Shop harder for the best possible deals on items you must have;
o Avoid buying items that are of limited value to you or your family;
o Become a comparison shopper: watch the advertisements and be aware that prices vary
o from day to day on a whole range of goods from furniture to food;
o Watch for genuine sales and specials;
o Deal with shops, which offer good service and will take goods back without argument if they are unsatisfactory.
o Shop for seasonal specials and stock your freezer. But buy in bulk only when you know

· You can use everything you intend to buy - otherwise you will have to throw a lot of it out. Waste is costly.

o Phase your purchasing of big items like furniture and major electrical goods over three to five years and buy only when you really need and can afford the items;
o Think about buying good second-hand items - check-out auctions and garage sales;
o If you are holding money in a special savings account, you can often use it to pay for an item - and get a discount for cash;
o Buy Australian-made goods in preference to imports - buying Australian helps save jobs and reduces the nation's overseas payments and debt problems.

· Try to be as realistic as possible. Do not make the budget so tight and demanding that it will be impossible to achieve your goals. Do not make it too generous - or you will destroy your incentive to budget and save. Be flexible - but disciplined.

· Partners should budget together. But involve everyone in your household - tell them about your budget and savings goals and why it is so important to achieve them.

· Do not be discouraged if you cannot get your budget to work - try again. Once you have set up a workable budget, you will find that budgeting becomes a habit.

· Today is the best day to begin budgeting.

· There are two main items to consider: your INCOME and your EXPENDITURE.

In the section headed INCOME, list all your incoming money (after tax).

· Expenditure:

o When you begin compiling your expenditure, it will be helpful if you have by you all the receipts from last year's bills that you can find.

o If you do not have these, keep a detailed list of your spending over the next few months. If you see some items that you can cut back on, note them for future attention.

o If you look after your possessions, they will last longer. Money spent on maintenance to extend life of a costly item can be money saved.

o Learn to be a good supermarket shopper. Make up a shopping list - and stick to it. Avoid impulse buying. Once in a while it is OK to buy something you do not really need. But if you let impulse shopping get out of hand it will overload your trolley and destroy your budget.

o When you have completed your Budget, add up all your income and expenditure and subtract the expenditure total from the income total. What is left over is your spare money for the year.

o As this is a yearly figure, you will need to divide this by 52 to bring it down to a weekly figure, by 26 to make it fortnightly or by 12 to make it monthly. This money is yours to spend or to save; we suggest you save it each pay period.

· You may find that you have a shortfall - in fact that you are spending more than you earn.

· If this is the case, you will need to go back and reassess your expenditure or, look for ways to increase your income. You may have made a mistake with your calculations. Or you may need to cut down on some area of your spending: entertainment, gifts, clothing, and luxury items.

· It is better for you (or your family) to make these decisions, rather than have them taken out of your hands.

· This will enable you to see at a glance the payouts you will have to make each month to the nearest dollar. This means you can calculate the minimum amount you need to have available to meet your bills.

· Some months you will be more heavily committed to repayments than in other times of the year. Be sure you are adequately covered so you will not be short of money.

Debt Management

To take control of your debt, the first thing you should do is a budget. This will allow you to see exactly how much you are earning and spending. It will also show where you are overspending and possibly where this expenditure can be reduced.

If the burden of debt is starting to take control of you, for some people to consolidate all of these debts into the one loan would be the best solution. Consolidation allows you to lower your overall interest rate and more easily manage your debt.

Loan consolidation will save you interest where your new repayment and loan term are at least equal to your total current loan repayments and loan terms. Otherwise, you could be converting your short-term debts into longer-term debt and be paying more interest in the long run.

One option is to use the equity in your residential premises. If you have owned your home over the last few years, with the fuelling property prices you are likely to have the capital to cover your existing mortgage, as well as other loans and credit cards. You would need to refinance your home loan which usually offers more competitive interest rates than Credit Cards and Personal Loans.

By paying less interest, more of your repayment can be used to reduce the debt. This assumes that you maintain the same overall repayments.

You should ensure that your existing home loan offers the features and flexibility to repay sooner rather than later.

To ensure you take control of your debts:

Review all your debts regularly;
Close credit card and store accounts and have the discipline not to obtain more. Don't buy on credit; you are only using money you don't have.
Credit cards can work well and to your advantage, as long as you use them correctly. Only use the interest free period.
If you find yourself on the credit card round-a-bout, (that is every time you pay some money off you credit card you go out and put more on it), you have to STOP. You are spending more than you're earning.
If you do retain a credit card then ask the institution to reduce the limit to the minimum needed - this should be what you can comfortably repay each month.
Every time your statement arrives pay twice the required amount. Realise that you can do without it. If you don't stop using credit you will ALWAYS be in debt.
Resolve to spend money where it makes sense and cut back where it doesn't, paying particular attention to cash and expenditures. Your cheque book and credit card statements reveal big-ticket items, so that monitoring daily spending for a while may show where your money is slipping away in ways that don't give much satisfaction.
Most importantly a disciplined approach is needed to ensure debts are not increased to fund unnecessary purchases - a good rule of thumb is that your liabilities should not exceed your assets - if they do - it probably means you have borrowed for the wrong reasons.
Remember IT IS NEVER TOO LATE to take back control.
Review your spending patterns and curb these to fit within your budget!

The advice contained herein does not take into account any persons particular objectives, needs or financial situation. Before making a decision regarding the acquisition or disposal of a Financial Product persons should assess whether the advice is appropriate to their objectives, needs or financial situation. Persons may wish to make this assessment themselves or seek the help of an adviser. No responsibility is taken for persons acting on the information provided. Persons doing so, do so at their own risk. Before acquiring a financial product a person should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product.

NEXT MEETING: 25th August 2010 at 10:30am

PRESENTING: Business Development

Coffee Time minutes 28 August 2010

2010-07-27T21:37:00.000-07:00

Coffee Time Minutes 28th July 10

Welcome

Welcome to our new visitors.

Apologises

Nil

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation.. Total $380 for the year.

For July so far we have raised $89.00

Networking:
· Central Coast Women’s Lunch 12pm Mingara
· $44 Non-Members
· $33 for Members
· Coffee Times: 11th August & 25th August
· B2B Networking night (Terrigal)– 4th of August
· 4.30pm For launch of Buy Local
· 6pm for Networking

Education:

BEC courses evening courses - For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Upcoming events in. July and August
· 4th August – Social Media
· 11th August – Starting out in sales
· 18th August – Business to Business Sales
· 25th August – Sales and Marketing - an overview
· 15th September – Research business opportunities – Getting into business
· 13th October – Decision for profit making.

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day). Numbers collected over next couple of months. And payment will be collected by 30th of November.

Wins:

Simon Calder
New lead perspective-great contract.

Tony Bourke
Running workshops for the Australian Institute

Nicole Lothian
Resigned from part time job due to business success

Ted
Tom ‘Big Al’ from USA Send Out Cards coming to Australia for networking, marketing and books 8.8.10 in Sydney.

Lynn Thompson
Buy Local online launching at 4.8.10

Tarnia Gurney
Converted 4 potential clients into clients for Gurney Financial Services

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

Kevin Burrell
Burrell Lawyers
www.conveyancingsolicitorcc.com.au

Shaun Nicolson
Voice Concepts
www.voiceconcepts.com.au

Moira Bayliss:
Herbalist
Moirabayliss@yahoo.com.au

Nicole Lothian
SOS Onsite Admin
www.sosonsiteadmin.com.au

Simon & Sharon Calder
Celtic Management Solutions
simon@celticmanagement.net.au

David Sheerin
Workcover
www.workcover.nsw.gov.au

Daya Saraswati
Yoga and meditation tuition
Craniosacral Therapy
Inspirational Events
www.naadii.net.au

Shannen Bradford
Workplacement Student from Mackillop College

Natalie Pye
C & N Freight.
www.cnfreightsolutions.com.au

James Merrilees
Bfit Studio
J.merrilees@bfitstudio.com.au

Karen Teunissen
CRS Australia
www.crsaustralia.gov.au

Tony Bourke
AIIB Insurance Brokers
http://www.aiib.com.au

Lyn Thompson
B2B - Marketing in Business Book & Networking
Buy Local – online connect
www.b2b.com.au

Blair
Buy Local – online connect
www.b2b.com.au

Ted O’Shannessy:
Send Out Cards
www.sendoutcards.com.

Presentation

David Sheerin– Workcover
Advice, Information, Education and Assistance
Previously owned a Small Business and understands how the problems associated.
Small Businesses are time poor
Workcover is there for small business to help not shut it down

Workcover can assist by:
Making recommendations and outsources service provision
Workcover will provide information and support small businesses
Public free workshops day/evening, go to website www.workcover.nsw.gov.au >Noticeboard>events
Workcover Small Business Forum, helps you with your suggestions of your business needs for example- Services Directory, ergonomic furniture, OH&S safety procedures, Storage being provided in your own office
Workplace Advisory visit with recommendations are available
Scheme Agents (Insurance Companies), are selling workers compensation for Workcover, if you have a problem with these companies contact Workcover direct.
Moneys are available from Workcover for items in business dependant on criteria
Inspectors come out based on complaints but they are to assist you to rectify issues

New Legislation Act 1st January 2012
Sustainability and OH&S within Small Businesses is within the legislation
More information will be available at a later date.

Workers Compensation
Ensure you are adequately covered as it may cost you your business, contact your insurance broker with any questions

Occupational Health and Safety
Ensure your OH&S requirements are met in relation to the size of your business and what you do
New jobs ensure your workplace assessment has been undertaken
Risk assessment
Workplace checklist
Tool Box talk

NEXT MEETING: 11th August 2010 at 10:30am

PRESENTING: Tarnia Gurney- Gurney Financial Services
Financial planning and open forum

Coffee Time minutes 14th July 2010

2010-07-13T21:32:00.000-07:00

Coffee Time Minutes 14th July 10

Welcome

Welcome to our new visitors.

Apologises

Selmar

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation.. Total $340 for the year.
1st Quarter - $230
2nd Quarter - $110

For July so far we have raised $49.00

Networking:
· Coffee Times: 28th July & 10th August
· B2B Networking night (Terrigal)– 4th of August

Education:

BEC courses evening courses - For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Upcoming events in. July and August
· 4th August – Social Media
· 11th August – Starting out in sales
· 18th August – Business to Business Sales
· 25th August – Sales and Marketing - an overview
· 15th September – Research business opportunities – Getting into business
· 13th October – Decision for profit making.

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day). Numbers collected over next couple of months. And payment will be collected by 30th of November.

Wins:

Jenny – Job Centre
JCA Trainee Awards won 2 awards

Jenny – Meat at Georges
Now have their first apprentice

Lyn – B2BwithaTwist, JBH promotions
Blair is our new PA
New pricing and savings launch is at B2Bwithatwist at Terrigal on 4th August at 4:30pm

Nicole – SOS Onsite Admin
Website is now live
BlueTongue Brewery – new client for adhoc work

Tony - AIIB Insurance Brokers
Book signings on Coast
- Kotara (Angus & Robertson)
- Tuggerah (Borders)

Rae- Inspire Success
3 new clients from B2B Buy Local festival

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

Moira Bayliss:
Herbalist
Moirabayliss@yahoo.com.au

Nicole Lothian
SOS Onsite Admin
www.sosonsiteadmin.com.au

Simon Calder
Celtic Management Solutions
simon@celticmanagement.net.au

Karen Teunissen
CRS Australia
www.crsaustralia.gov.au

Rob Buckworth:
Interactive Telecoms
rbuckworth@c4telecom.com.au

Dean Brown
Woodview Home Loans & Finance
www.homeloansandfinance.com.au

Tony Bourke
AIIB Insurance Brokers
http://www.aiib.com.au

Lyn Thompson
B2B - Marketing in Business Book & Networking
Buy Local – online connect
www.b2b.com.au

Blair
Buy Local – online connect
www.b2b.com.au

Nolan Clarke
Aussie Insure
www.aussieinsure.com

Brendan McGann
Vital Inspections
vitalinspect@gmail.com

Jenny Abourizk:
Job Centre Australia
www.jobcentreaustralia.com.au

Lyn Goddard
Market Australia
www.marketaustralia.com.au/vitaminsforu

Ted O’Shannessy:
Send Out Cards
www.sendoutcards.com.

Kathy Bree
Coffee News
www.coffeenewscc.com.au

Karen Teunissen
CRS Australia
www.crsaustralia.gov.au

Toni Oliver
Toni Oliver Conveyancing
tonioliver@bigpond.com

Rae Phillips
Inspire Success
www.inspire-success.com

Presentation

Tony Bourke – AIIB – Insurance presentation

Home & Contents insurance
Car Insurance

QBE largest insurer
17% increase due to the natural disasters occurring since 2007 (eg Storms) and the Global Financial Crisis.

Many people are under insured
Check house & update you contents
Check www.alliance.com.au for calculation to do house/building & home contents

TIPS
- Don’t buy the cheapest
- Shop around
- Make sure of exclusions
- Defined events – fire, water, storm
- Accidental damage cover – broken tv/red wine
- Cover away from home.

House & Contents

Did you know?
- Carpets are under contents not building
- Curtains/blinds under contents
- If you leave your home vacant for more than 30 – 60 days (depending on insurer) you need to notify your insurer or have a house sitter

Be aware
- If you have a security discount make sure you have security in place, If not it may void the policy
- Flood is not covered
- Termites not covered
- Personal Liability insurance – check what is covering away and at home

Motor Vehicle

Competitive price/discounts
Restricting drivers/ nominated drivers, no-one else can drive, adding other people would be required.
Unless the car is in an accident anything in the car is not covered under the M/V insurance including laptops, multi media, glasses, child car seats, GPS. Refer to your insurer for your exact cover details.

Thank you Tony for discussing insurance tips for us for our home’s car’s and businesses.

NEXT MEETING: 28th July 2010 at 10:30am

PRESENTING: Workcover Australia

Coffee Time Minutes 23rd June 2010

2010-06-24T17:07:00.000-07:00

Welcome

Welcome to our new visitors.

Apologises

Nil

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. For April & May we raised $95. Total $340 for the year.

For June so far we have raised $59.50.

Networking:
· Coffee Times: 14th & 28th July
· B2B Networking night – 4th of August

Education:

BEC courses evening courses - For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Upcoming events in. July and August
· 4th August – Social Media
· 11th August – Starting out in sales
· 18th August – Business to Business Sales
· 25th August – Sales and Marketing - an overview
· 15th September – Research business opportunities – Getting into business
· 13th October – Decision for profit making.

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day). Numbers collected over next couple of months. And payment will be collected by 30th of November.

Wins:

Tony Bourke
- 3 book signing
- Business Expo 4-6pm
- 3/7/2010 Kotara Angus & Robertson
- 10/7/2010 Erina Angus & Robertson
- Borders – Account for business

Natalie & Craig Pye – 5 year Contract for C&N Freight

Nicole Lothian
– Voice Concepts - new client
– Introduced to Wyong Chamber of Commerce

Rob Buckworth
- 10 Enterprise Phone Systems
- 1 step closer to government

B2B
- New book out this week
- Launch online connect online business special offer.
- Vouchers for people to win, each week cost $20 per month.

Nicole Lothian handed out information regarding Ten questions to ask when hiring a bookkeeper and Should you register for GST.
These details are found on www.flyingsolo.com.au

http://www.flyingsolo.com.au/finance/business-tax-tips/should-you-register-for-gst

http://www.flyingsolo.com.au/finance/financial-management/hiring-a-bookkeeper

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

Natalie Pye:
C & N Freight.
www.cnfreightsolutions.com.au

Moira Bayliss:
Herbalist
Moirabayliss@yahoo.com.au

Nicole Lothian
SOS Onsite Admin
nicole@sosonsiteadmin.com.au

Selma Sancar
Voice Concepts
www.voiceconcepts.com.au

Simon
Celtic Management Solutions
simon@celticmanagement.net.au

Karen Teunissen
CRS Australia
www.crsaustralia.gov.au

Rob Buckworth:
Interactive Telecoms
rbuckworth@c4telecom.com.au

Dean Brown
Woodview Home Loans & Finance
www.homeloansandfinance.com.au

Tony Bourke
AIIB Insurance Brokers
http://www.aiib.com.au

Sue Liptrott
B2B - Marketing in Business Book & Networking
www.b2b.com.au

Toni Fountain
Insight Health
toni_fountain@rslcom.net.au

Dawn
Iris Foundation
admin@irisfoundation.org.au

Presentation

Business Development morning.

Teaching an Old Dog new tricks

Difficult to teach people new things
Brand new to industry & train rather then training existing people
Criticism

10 key characteristics
Attitude – Positive
Thorough product & industry knowledge
– teach skills, own attributes
Prospective skills
– networking, friends, practice your spiel
- Consultative selling skills
- Sell your business not yourself
What’s your service?
Make sure but more persuasive presentation
i. 1-6 features & benefits of your offerings
Ask for commitment – don’t be pushy
Handle objections
Negotiating skills – practice
Follow up
Personal Management – organisation

Positive, look where you want to be

- Discussion
- Reflect on your appointment
- Think about what you say and how you say it
- How would you feel,
- Reflecting techniques
- Body language – be comfortable
- Touch eyes to other person
- Don’t over analyse everything

Coffee Time Minutes 8th June 2010

2010-06-17T18:36:00.000-07:00

Welcome

Welcome to our new visitors.

Apologises

Karen, Dean, Christina & Daya

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. For April & May we raised $95. Total $315 for the year.

For June so far we have raised $24.50.

Networking:
· Coffee Times: June 23rd & 14th July
· B2B Networking night – 4th of August

Expos:
· Central Coast Extravaganza Business Expo – 23rd June at Mingara
· Please come along and join in.

Education:
BEC courses evening courses - For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Upcoming events in June. July and August
· 30th June – Networking for business
· 4th August – Social Media
· 11th August – Starting out in sales
· 18th August – Business to Business Sales
· 25th August – Sales and Marketing - an overview
· 15th September – Research business opportunities – Getting into business
· 13th October – Decision for profit making.

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day). Numbers collected over next couple of months. And payment will be collected by 30th of November.

Westpac Chopper Day:

Wyong Race day is coming up again on the 1st of July. I have booked 2 tables - 20 seats. If you would like to come along, Tickets are $90 each – first in first serve I have 12 seats left for the tables, payment are to be paid to either myself or Shannon and tell her you will be on the Coffee Time tables. Payment needed ASAP.

Wins:

Jenny – Job Centre Australia - One of their trainees are the trainee of the year.
Lynn – Market Australia – OPC3 trials positive results
Tarnia – 7 new clients
Jenny – Meat at Georges – New Contract with local business to supply meat

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

Tarnia Gurney:
Gurney Financial Services
http://www.gurneyfinancialservices.com.au/
Planningwerx4U
http://www.planningwerx4u.com.au/

Natalie Pye:
C & N Freight.
http://www.cnfreightsolutions.com.au/

Jenny Abourizk:
Job Centre Australia
http://www.jobcentreaustralia.com.au/

Moira Bayliss:
Herbalist
Moirabayliss@yahoo.com.au

Chris Mills:
Soaring Free
http://www.soaringfree.com.au/

Lyn Goddard
Market Australia
www.marketaustralia.com.au/vitaminsforu

Carol Wickenden
Naturally Best
http://www.naturallybest.com.au/

Natalie
Naturally Best
http://www.naturallybest.com.au/

Hugh Bowman
Bowman Coastwide Bookkeeping
hugh.bowman@iinet.net.au

Ted O’Shannessy:
Financial Freeway
http://www.financialfreeway.com.au/

Nicole Lothian
SOS Onsite Admin
nicole@sosonsiteadmin.com.au

Selma Sancar
Voice Concepts
http://www.voiceconcepts.com.au/

Kathy Bree
Coffee News
http://www.coffeenewscc.com.au/

Simon
Celtic Management Solutions

Donna Llige
Ultraprint
http://www.colour-copy.com.au/

Presentation

Hugh Bowman - Bowman Coastwide Bookkeeping

Keeping records organised for you or your bookkeeper will be cheaper in the long run
What does your accountant like?
MYOB, Quickbooks, Accounting Software
Making easy for Accountant
Have a bookkeeper who specialises in your system and can assist you
It should only take a few hours a month/week to do your books depending on you business.
Get trained – Community College (for basics) more indepth is required to understand the reasoning behind all the reporting and details.
Look and be professional
Email invoices & Statements – check the setup of you computer though to confirm this is easier.
Understand your reports and the figures associated
Under $75,000 you are not needed to be registered but check with your accountant as it may benefit you if you are.
Good if assets prior to 31/12/09 for tax purpose
Bank Statements can be good to see where you are spending
Leasing/flexirent can be good but read the fine print may work out to be more expensive and check the lease arrangements

Questions arising from Group

What is the approximate price of a bookkeeper? $30 - $100 per hour
Check with you accountant regarding what expenses are allowed.
For your vehicle keep a log book for min 12 weeks and receipts for all expenses incurred and check with your accountant what is claimable and in what proportions.
New laws came in on March 1st 2010 regarding bookkeepers. Their training and ability to undertake BAS. ATO Website will be of assistance for more details. Minimum for BAS bookkeepers is Cert 4 in Financial Services (Accounting) and 1400 hours working under an accountant and registered with the ATO to do this.

Thanks Hugh for you time and information. If you have any questions please contact Hugh or your bookkeeper and Accountant.

Have a wonderful fortnight. Thank you for coming along today. Feel free to network with your peers. Our Next Meeting is on the 23rd June. We will start at 10.30am sharp.
Our Next Meeting is an open forum about Business Development.

Coffee Time Minutes - 26.5.10

2010-06-02T03:32:00.000-07:00

Welcome

Welcome to our new visitors.

Apologises

Toni, Craig, Dean, John and Kathy

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. For April so far we have raised $70 ($25 for May). Total $300 for the year.

Today we are having the biggest morning tea. $5 per person or $10 gets you a ticket into the competition to win and overseas European holiday. Today we raised $134.45. Thanks to all who participated.

Networking:
· Coffee Times: June 9th & 23rd
· B2B Networking night – 3rd of June

Expos:
· B2B Buy Local Festival was fantastic. 1500 people registered and came along to win prizes. Lots given away on the day and many people made lots of contacts and built up their databases.
· Central Coast Extravaganza Business Expo – 23rd June at Mingara – 79 exhibitors booked out of 83 exhibitors. If you would like to go along please contact Cindy at Central Coast Women’s Networking
Education:

BEC courses evening courses - For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Upcoming events in June. July and August
· 9th June – Collections and bad debt recovery
· 15th June – Business Planning – Part A
· 22nd June – Business Planning - Part B
· 30th June – Networking for business
· 4th August – Social Media
· 11th August – Starting out in sales
· 18th August – Business to Business Sales
· 25th August – Sales and Marketing - an overview
· 15th September – Research business opportunities – Getting into business
· 13th October – Decision for profit making.

Christmas Party:

We will be having our final get together on the 22nd December. We have booked into the Zenith for our Christmas party. Tickets are $39 (plus drinks – pay on the day). Numbers collected over next couple of months. And payment will be collected by 30th of November.

Westpac Chopper Day:

Wyong Race day is coming up again on the 1st of July. I have booked 2 tables - 20 seats. If you would like to come along, Tickets are $90 each – first in first serve I have 17 seats left for the tables, payment are to be paid to either myself or Shannon and tell her you will be on the Coffee Time tables. Payment needed ASAP.

Wins:

Lyn – B2B Buy Local was a success.
Rob – 300% business growth in new merger
Jenny – meat @ George’s East Toukley employed their first staff member

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

Natalie Pye:
C & N Freight.
www.cnfreightsolutions.com

Jenny Abourizk:
Job Centre Australia
www.jobcentreaustralia.com.au

Moria Bayliss:
Herbalist
Moirabayliss@yahoo.com.au

Tony Bourke:
AIIB Insurance – Director of AIIB
http://www.aiib.com.au

Karen Teunissen:
CRS Australia
http://www.crsaustralia.gov.au

Sandra Boyd:
Kani Consultants
Website still being built -
sandi.kani@gmail.com

Rob Buckworth:
C4telecom Communications
www.c4telecom.com.au

Christina Jones:
Wiggle n Giggle
www.wiggleandgigglemusic.com.au

Karen Teunissen:
CRS Australia
http://www.crsaustralia.gov.au

Lyn Thompson:
LBH Promotions - Letter box distribution
www.lbhpromotions.com.au
B2B - Marketing in Business Book & Networking
www.b2b.com.au

Darren Jones
Wiggle n Giggle
www.wiggleandgigglemusic.com.au

Chris Mills:
Soaring Free
www.soaringfree.com.au

Shannon O’Hagan
Westpac Helicopter Service
www.rescuehelicopter.com.au

Lyn Goddard
Market Australia

Lee-Anne Bevan
Lee-Anne Bevan Photography
http://labphotography.photomerchant.net

Garry McLachlan
Wyong Shire Council
www.wyong.nsw.gov.au

Presentation

Garry McLachlan – Wyong Shire Council (WSC) – Business Development Manager

WSC looking to strengthen Central Coast
Small business
Retail
Health care
Food industry
Have a look at the business section on the councils website www.wyong.nsw.gov.au
Working together with the DSRD
Looking at further training through Ourimbah University
Building Industry and investment on the coast
Land for employment
Centre developments – business, offices, warehouses
Looking at infrastructure to support the coast and its community
Marketing the coast as a business location
Over the next 10 years council expect the population to grow to 300,000
The Central Coast of NSW is a sustainable, smart and connected region, and it is being promoted as that – there is also a booklet produced for those interested, contacted WSC
There is a home business chapter on the website
Garry is there to help business on the coast
WSC welcome any feedback. Comments and inquiries

Thanks Garry. If you would like Garry’s details please contact Wyong Shire Council or me (Tarnia Gurney)

DSRD is also there to help in the development on the coast. Their ph no is 4349 4949

Thanks Garry

Have a wonderful fortnight.
Thank you for coming along today.
Feel free to network with your peers.
Our Next Meeting is on the 9th June.
We will start at 10.30am sharp.
Our Next Meeting is an open forum about Business Development.

Coffee Time Minutes - 12th May 2010

2010-05-22T20:08:00.000-07:00

Coffee Time Minutes - 28th April 2010

2010-05-05T01:46:00.000-07:00

Welcome - Welcome to our new visitors.

Apologises - Tarnia

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)

Update on our Raffle? The raffle is going around. This will go together with today’s collection to the Iris Foundation. For April so far we have raised $70 ($41 last fortnight & $29 from this week).

Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.

Networking:
· Coffee Times: May the 12th and 26th
· Wyong Chamber of Commerce Networking after dark - May the 11th
· B2B Networking night – 13th May (Wyong Race Course)
· Central Coast Women’s Luncheon – April 22nd –(Mingara)

Expos:
* B2B Buy Local Festival on tomorrow the 13th May at the Wyong Race Club for more details please contact Lyn Thompson – there is over 150 businesses/exhibitors booked in, with expected crowds of a couple of thousand people. Pop along and show your support.
* BEC & DSDR Small Business Month in May – keep an eye out for what’s on.
* Central Coast Extravaganza Business Expo – 23rd June at Mingara – 67 exhibitors booked out of 75 exhibitors. If you would like to go along please contact Cindy at Central Coast Women’s Networking

Education:

BEC courses evening courses - For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Wins:

Warren – picked up a new client he had spoken to many years ago.
Ted – Tomato patch networking, meetup.com

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

Dean Brown:
Woodview Home Loans & Finance
www.homeloansandfinance.com.au

Natalie Pye:
C & N Freight.
www.cnfreight.com

Ted O’Shannessy:
Financial Freeway
www.financialfreeway.com.au

Moria Bayliss: Herbalist Moirabayliss@yahoo.com.au

Kathy Bree:
Coffee News Central Coast
www.coffeenewscc.com.au

Dayasagar Saraswati:
Craniosacral Therapy, Yoga & Meditation
dsaraswa@bigpond.net.au

Warren Garth:
Cats accounting
www.catax.com.au

Toni Oliver:
Toni Oliver Conveyancing
www.tonioliverconveyancing.com.au

Challenges in Business:
This week we didn’t discuss any challenges in our businesses. Next time

Presentation:

Today’s presentation is by Warren Garth from Cats Accounting.

* Diagnosing the health of your business
* Provide innovative and proactive tools for business
* Routine health checks required for all businesses, his software can help in this regard.
* Cats Accounting – is a family business. Warren has 30 years experience in Accounting, and he is the managing director

Open Forum – discussions were had on cashflow & problems with cash flow.

Thanks everyone for sharing ideas, solutions and recommendations with everyone. Thank you Warren for sharing your knowledge with us all. I look forward to next time.

Raffle Drawn:

Prize donated from: Tarnia Gurney
Amount collected this fortnight: $29
Today’s Winner – ?Ted
That is a total of $300 donated to the Iris Foundation.

Have a wonderful fortnight.

Thank you Dean for running the meeting.

Thank you for coming along today. Feel free to network with your peers.

Our Next Meeting is on the 12th May. We will start at 10.30am sharp.

Our Next Presentation will be by Open Forum about business

Coffee Time Minutes - 14th April 2010

2010-04-14T05:06:00.000-07:00

Coffee Time – 14th April 2010

Welcome - Welcome to our new visitors.

Apologises - Karen, Tony, Rae, Kathy, Lynne, Dean, John D, Toni and John M

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)

Update on our Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. So far this year we have raised $230.

Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.

Networking:
· Coffee Times: April the 14th and 28th.
· Coffee Times: May the 12th and 26th
· Wyong Chamber of Commerce Dinner Meeting – 27th
· Wyong Chamber of Commerce Networking after dark - May the 11th
· B2B Networking night – 13th May (Wyong Race Course)
· Central Coast Women’s Luncheon – April 22nd –(Mingara)

Expos:
· B2B Buy Local Festival on the 13th May at the Wyong Race Club for more details please contact Lyn Thompson
· BEC & DSDR Small Business Month in May – keep an eye out for what’s on.
· Central Coast Extravaganza Business Expo – 23rd June at Mingara

Education:

BEC courses evening courses
· Business Planning Part B – 24th March
· Networking – Bridging the Gap – 21st April
· Decision Making for Profit – 28th April
· Research Business Opportunities – 4th May

For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Wins:

Christina – Played her first game of soccer in 13 years and got lady of the match
Toni – Son, Reece has just come back from the Academy of Sport for Golf
Rob – Brother has just successfully completed a double front flip on a bike; only 2 people in the world can do it. And he has got 13 shows in Australia for the Nitro Circus.

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

Lyn Thompson: LBH Promotions - Letter box distribution www.lbhpromotions.com.au
B2B - Marketing in Business Book & Networking www.b2b.com.au

Sue Liptrott: LBH Promotions & B2B with a twist

Moria Bayliss: Herbalist Moirabayliss@yahoo.com.au

Rob Buckworth: C4telecom Communications www.c4telecom.com.au

Christina Jones: Wiggle n Giggle www.wiggleandgigglemusic.com.au

Dayasagar Saraswati: Craniosacral Therapy, Yoga & Meditation dsaraswa@bigpond.net.au

John Bogiatzis: Universal Seminars www.universalseminars.com.au

Warren Garth: Cats accounting www.catax.com.au

Toni Oliver: Toni Oliver Conveyancing www.tonioliverconveyancing.com.au

Brija Mira: Sarah Bevan Family Lawyers www.sbfamilylawyers.com.au

Donna Llige: Ultra Print lakehaven@colourcopy.com.au

Michelle Allen Webstuff www.webstuff.com.au

Challenges in Business: This week we didn’t discuss any challenges in our businesses. Next time

Presentation: Today’s discussion is on Websites by Michelle Allen from Webstuff

Make sure your website is professional
Create a website that will hit your target market
Look at the colours you use, backgrounds and fonts
Make your website easy to move around
Your website needs to work 24hrs a day and 7 days a week. There are many people who look at websites in the early hours of the morning
Deliver information – make sure it is what you are promoting or selling
Online quotes and inquires
Have a contact form on your website so people can contact you
Have good copy – have your work checked and proof read – more and more people are looking for correct spelling and grammar in websites.
Have good type – font, words, sentences, and paragraphs
No mistakes – spell check everything
Get someone to check your website information fro mistakes and correct grammar
Point form is good for websites
People want easy to read and access information – can your website be easier to read and understand
People are looking for answers – put their solutions on your website
People want information easy and fast
Using pictures – use quality pictures, don’t upload your photos from your mobile phone – they are not professional and do not have good pixel or quality
It takes 5 seconds to convert someone who has clicked onto your website – capture them in the first 5 seconds
Look at your front page is it easy to read, enticing, do you have an offer or a link
Make it work for you and your business
Offers –
Free information
Online quote
Online information
Subscribe to our newsletter
Problem solving – ask a question? Do you need to update your…..
Offer something for free

Open Forum discussion:
· Look at who is managing your website
· Who owns your website
· Investigate in a copy reader/writer
· Look into search engine enhancers
· Google searches – make sure you have the correct words and codes
· If your website refers you to a phone number to call, make sure the person at the other end knows your business and what you are calling about. If it goes to a message bank, make sure you leave enough details so the person knows who they are calling and why.

Thanks everyone for sharing ideas, solutions and recommendations with everyone.

Thank you Michelle for sharing your knowledge with us all. I look forward to next time.

Raffle Drawn:

Prize donated from: Lyn Thompson – premier listing in the next B2B book
Amount collected this fortnight: $41
Today’s Winner – Daya
That is a total of $230 to be donated to the Iris Foundation the first quarter.

Have a wonderful fortnight. I am away next meeting but Dean will be running the meeting for me.

Thank you for coming along today. Feel free to network with your peers.

Our Next Meeting is on the 28th April. We will start at 10.30am sharp.

Our Next Presentation will be by Warren Garth.

Coffee Time Minutes 24th March 2010

2010-04-08T21:27:00.000-07:00

Welcome

Welcome to our new visitors.

Apologises

Dean, John, Toni

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)

Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. So far this year we have raised $230.

Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.

Update:

Steel Magnolias Luncheon – 250 people at Iguana Joes. It was a lovely day.

Youth Connections are looking for employers to have placements for teenagers to do their work experience. If you are interested in having a student comes out to your work for a week. Let me know and I will put you in touch with Sandra. Looking for support for May, June, August, October and November.

Iris foundation is having an event on Friday the 26th if you would like to go along, please contact Bev and Dawn.

Expos/Events:

· B2B Festival – Buy Local – Wyong Race Club, 13th May
· May 2010 – Home and Small Business Month
· CCWN Business Expo Extravaganza – Mingara 23rd June

Up Coming Networking:

· Coffee Times 14th And 28th April
· BNI is having an open day – for more info please see Hugh.

Education:

BEC courses evening courses
· Business Planning Part B – 24th March
· Networking – Bridging the Gap – 21st April
· Decision Making for Profit – 28th April
· Research Business Opportunities – 4th May

For more info contact the BEC on 4355 4885 or info@ccbec.org.au

Wins:

Christina and Darren have started Kindy Hire – Puppets and Music to preschools on the coast

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

Lyn Thompson: LBH Promotions - Letter box distribution www.lbhpromotions.com.au

B2B - Marketing in Business Book & Networking www.b2b.com.au

Dianne: LBH Promotions

Natalie Pye: C & N Freight. www.cnfreight.com

Jenny Abourizk: Job Centre Australia www.jobcentreaustralia.com.au

Ted O’Shannessy: Financial Freeway www.financialfreeway.com.au

Hugh Bowman: Bookkeeping Specialist hugh.bowman@iinet.net.au

Cheryl Greenwald: Marriage Celebrant, Email - cellie001@gmail.com

John Dosanjh: Coast Consulting www.cconsulting.com.au

Moria Bayliss: Herbalist Moirabayliss@yahoo.com.au

Toni Fountain: Insight Health – Chiropractor , Website still being built - toni_fountain@rslcom.net.au

Brian Maggs: Management Assistance Australia, Website still to be built – bmaggs@maagroup.com.au

Megan Roberts: Bell Bird Web Solutions www.bellbirdwebsolutions.com.au

Rob Buckworth: C4telecom Communications www.c4telecom.com.au

Christina Jones: Wiggle n Giggle www.wiggleandgigglemusic.com.au

Karen Teunissen: CRS Australia http://www.crsaustralia.gov.au

Kathy Bree: Coffee News Central Coast www.coffeenewscc.com.au

Tony Bourke: AIIB Insurance – Director of AIIB www.aiib.com.au

Melissa Cooper: Art of Intimacy, www.melcooper.com.au

Johanna Baker- Dowdell: Strawberry Communications www.strawberrycommunications.com.au

Dayasagar Saraswati: Craniosacral Therapy, Yoga & Meditation dsaraswa@bigpond.net.au

June Turner: Feng Shui – Designs & Lifestyles www.juneturner.com.au

Sue Wells: First Aid Express Aid expressfirstaid@yahoo.com.au

Daniel Greenwald: Dan Productions

Don: Strategic Planner and Business Planning

Challenges in Business:

This week we had:

Christina - had a challenge in relation to delivery and pick up of items for their business. Suggestions were made on:
Having set days for drop offs and pickups
Set areas
Look for casual drivers – maybe a home maker looking for some work in between school hrs
Make sure they have their own car, insurance

Lyn – to get more people involved in the buy local festival in May.
She asked us all to put out to our data bases and contacts.
Suggestions for promotion were to contact
Youth connections
University
BEC & DSRD
Both Wyong and Gosford Councils
Local Members

New work place laws
· Challenges on confidentiality agreements
· Awards
· 10 days personal leave now – includes sick, compassionate & family leave
· Insurance to protect businesses
· New rates for employees – hourly rates altered
· 4300 agreements/awards prior now approximately 150

Presentation:

Today’s discussion is an open forum on Computers, Back ups, Servers.

Back ups of computers should be done daily and weekly, holding records offsite
Some referrals for assistance were to Mick & Julie Goodwin in Gosford or Sam at I Com IT at Tuggerah
You can get an external hard drive from most computer stores. Have a look at getting a 1T back system
Insurance – you can insure your business and computers for theft, storm, and fire.
Insurance – put in place an insurance plan for if something happens. Where will you work form, how will you get your files or computer back or replaced.
Make sure you do regular backups from MYOB – each month to your back up system
Test your back ups – try and recover a file you have backed up
Telstra are bringing out a TSuite – back system
Google Docs has a back system
Make sure you defrag your computer weekly
Make sure you scan for viruses and clean out web browsers
Suggestions for back up on your computer to a USB or disc. Go to
Windows
Start
Accessories
Systems Tools
Back up
Set schedule
Back up to external drive – USB
Change each week
Keep back ups off site and should keep
1 month
2 months
3 months

Thanks everyone for sharing ideas, solutions and recommendations with everyone. I look forward to next time.

Raffle Drawn:

Prize donated from: Natalie and Craig Pye (Easter eggs)
Amount collected this fortnight: $38
Today’s Winner – 3 winners
That is a total of $230 to be donated to the Iris Foundation this quarter.

Have a wonderful Easter and Holiday time.

Thank you for coming along today. Feel free to network with your peers.

Our Next Meeting is on the 14th April. We will start at 10.30am sharp.

Our Next Presentation will be by Michelle Allen on websites.

Coffee Time Minutes - 10th March 2010

2010-03-20T22:20:00.000-07:00

Coffee Time – 10th March 2010

Welcome

Welcome to our new visitors.

Apologises

Dean, John, Tony, Sue, Karen

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)

Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. So far this year we have raised $141.

Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.

Update:

Steel Magnolias Luncheon – 250 people at Iguana Joes. It was a lovely day.

Youth Connections are looking for employers to have placements for teenagers to do their work experience. If you are interested in having a student come out to your work for a week. Let me know and I will put you in touch with Sandra. Looking for support for May, June, August, October and November.

Expos/Events:

· B2B Festival – Buy Local – Wyong Race Club, 13th May
· May 2010 – Home and Small Business Month
· CCWN Business Expo Extravaganza – Mingara 23rd June

Up Coming Networking:

· Coffee Times 24th March
· Tonight - 10th of March B2B in Newcastle – Maritime Centre – if going along, ring and book in this morning

Education:

BEC courses evening courses (6 – 9pm)
· 10th Mar – Sales and Marketing – Part b
· 16TH Mar – Business Planning Part A
· 23rd Mar – Business Planning Part B

Wins:

Toni – learnt a new technique for helping people, and has picked up some new clients
Simon – business is going well
Iris Foundation – 4th Birthday coming up. Big prizes donated
Rae – has some new staff

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

John Dosanjh:
Coast Consulting
www.cconsulting.com.au

Natalie Pye:
C & N Freight
www.cnfreight.com

Cheryl Greenwald:
Marriage Celebrant
Email - cellie001@gmail.com

Bev & Dawn:
Iris Foundation
admin@irisfoundation.org.au

Rae Phillips:
Inspire Success
www.inspiresuccess.com.au

Angela Anthony:
Angela Anthony Solicitors
www.angelaanthony.com.au

Simon Cook:
Toshiba and World Pacific Telecommunications
www.toshiba-web.com

Maria:
Herbalist

Anthony Green:
Psoriasis & Skin Clinic
www.psoriasis.com.au

Toni Fountain:
Insight Health – Chiropractor
Website still being built - toni_fountain@rslcom.net.au

Natalie Rodriquez:
Unique Photography
www.uniquephotography.com.au

Brian Maggs:
Management Assistance Australia
Website still to be built – bmaggs@maagroup.com.au

Brija Mira:
Sarah Bevan Family Lawyers
www.sbfamilylawyers.com.au

Toni Oliver:
Toni Oliver Conveyancing
www.tonioliverconveyancing.com.au

Ted O’Shannessy:
Financial Freeway
www.financialfreeway.com.au

Presentation:

Today’s presentation is from Angela Anthony from Angela Anthony Solicitors’ on Estate Planning.

Estate planning is the process of planning for after death.
Planning of your estates future
Will - where your affairs go
Power of Attorney – Act on your decisions
Guardianship – act for you medically
Wills – are where you put can request certain items to go to family.
Need to review your will and estate, especially if blended families, divorced, second and third marriages and children – including adopted, step and half siblings.
If you have a business – you need to state what is to happen
Understand and know of anyone you may think they can challenge your estate
Executor – some one who distributes your estate – make sure it is someone you can trust
Make decisions sooner than later. When older health and mental status can change or decline
Testamentary Trusts – for children so that funds can be managed for them – whether under 18, disabled, addictions, etc.
Wills are set and forget
Change your will when getting married, having children, divorce.
Make sure the right funds go to the right people
Update your beneficiaries on your bank accounts, Superannuation and insurance policies.
If you have no will, the husbands estate passes to the wife
If both pass and no will, then you die “instate” and then the government steps in and sets an executor who will distribute the estate.
Involve your financial planner, and accountant
Discuss with your family
Make sure you do binding nominations with your superannuation and update every 3 years.

Open Discussion on Estate Planning

Hand out from Tarnia of Gurney Financial Services

It is time to get your estate planning in order! Have a look at this checklist, and if you have any questions please contact us.

The 10 Second Insurance Checklist!

1. Does your income protection policy still reflect the income you are currently earning?

2. Will your house insurance pay you enough to rebuild your house?

3. Will your life insurance pay off all your debts and be able to support your dependants if you are no longer around?

4. Has your car been modified in any way?

5. Have you recently installed security devices or extra locking systems on your home that could reduce your premium?

6. Have you changed jobs and not informed your insurance adviser that your new occupation is less risk or no more manual work. These changes could reduce your premiums?

7. Assignment of a personally owned insurance policy into a DIY super fund is not allowed, this ‘in specie’ transfer could render your fund ‘non complying’

8. If you have given up smoking for more than 12 months you could change your policies to non-smoking status and save substantial premiums.

More information on Estate Planning please contact Angela Anthony Solicitors or Tarnia from Gurney Financial Services

Estate Planning

Estate Planning is about making sure your family is provided for and that your assets go where you want them to after you die. If you pass away without a Will your assets will be allocated as per the current legislation, this may not be in line with your wishes.

A good estate plan will:
Ensure that the ownership and control of your assets pass to your intended beneficiaries in the correct proportions;
Minimize tax being imposed on the income and capital gains earned on those assets;
Protect those assets should a beneficiary be involved in any legal difficulties, for example, bankruptcy or divorce.

Essentially, a good estate plan can provide you with peace of mind and minimize potential complications for your beneficiaries.

Firstly, have you accumulated sufficient assets to provide for your family and pay off any debts in the event of your death? If you determine there is a short fall, your financial planner will be able to suggest some ways for you to make up the shortfall.

Consider your estate planning needs, have you thought about who will inherit your assets, which assets they’ll inherit and in what proportions?

If you are injured and unable to control your investments, have you chosen someone to manage your affairs for you whilst you are recuperating? This is known as an Enduring Power of Attorney. It gives another person the legal power to act on someone’s behalf in relation to their financial affairs.

You should review your estate planning needs on a regular basis, and particularly when an important event occurs, such as:
Retirement
Marriage
Divorce
The birth of a child
Death of a relative you have provided for
Commencement of change of employment

Each of these events can be a life changing experience for you and your family and should trigger a consideration of your estate planning needs and objectives. At any stage of your life, estate planning is important and it should be considered and reviewed regularly. Estate planning is an important part of your overall financial plan and it shouldn’t be left until it is too late.

The advice contained herein does not take into account any persons particular objectives, needs or financial situation. Before making a decision regarding the acquisition or disposal of a Financial Product persons should assess whether the advice is appropriate to their objectives, needs or financial situation. Persons may wish to make this assessment themselves or seek the help of an adviser. No responsibility is taken for persons acting on the information provided. Persons doing so, do so at their own risk. Before acquiring a financial product a person should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product

For more information or any questions – please contact Angela or your solicitor

Raffle Drawn:

Prize donated from: Tarnia Gurney
Amount collected this fortnight: $51
Today’s Winner – Angela Anthony
That is a total of $192 to be donated to the Iris Foundation this quarter. One more collection.

Thank you for coming along today. Feel free to network with your peers.

Our Next Meeting is on the 24th March. We will start at 10.30am sharp.

Our Next Presentation will be by Peter on Back ups and saving data.

Coffee Time Minutes - 24th February 2010

2010-02-25T21:47:00.000-08:00

Coffee Time – 24th February 2010

Welcome

Welcome to our new visitors.

Apologises

Dean, John, Tony, Sue, Karen

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)

Raffle?

The raffle is going around. This will go together with today’s collection to the Iris Foundation. So far this year we have raised $105.00

Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.

Update:

B2B with a twist was at Villa Sorgenti last week. 250 business people went along, with lots of new people. BEC and NSW Chamber of Commerce Managers crushed grapes. Lots of fun, some great food, launch of the B2B Business Festival.

Central Coast Women’s Network Luncheon was on at Mingara last week. 35 ladies attended and probably 30 who hadn’t been. It was a nice luncheon with Laura from Nutrizone speaking to us all about hormones.

Last night was the Wyong Chamber of Commerce – 114 people went along. Good night, speaker included Glen Kirkwood – re Networking and Central Coast Bears” CEO – Mr Greg Florimo & Mr David Fairleigh
Expos/Events:

· B2B Festival – Buy Local – Wyong Race Club, 13th May
· May 2010 – Home and Small Business Month
· CCWN Business Expo Extravaganza – Mingara 23rd June

Up Coming Networking:

· Coffee Times 24th Feb and 10th & 24th March
· International Women’s Day – CCWN is supporting the Day on the Central Coast at Iguana Joes on 5th Mar.
· 10th of March B2B in Newcastle – Maritime Centre

Education:

BEC courses evening courses (6 – 9pm)
· 24th Feb – Operating a business from home
· 2nd Mar – Sales and Marketing – Part A
· 10th Mar – Sales and Marketing – Part b
· 16TH Mar – Business Planning Part A
· 23rd Mar – Business Planning Part B

Wins:

Tarnia (Gurney Financial Services) – picked up 5 new clients

Tarnia (Planningwerx4u) – picked up a 10hr/week contract with a local manufacturing company to sort out their business, do their marketing and planning, office management.

Ted – www.photo5o5.com – found this great site for you

Ted – Presented Send out Cards to an Australian Charity

Jenny - Meet at Georges – 3 weeks in and business picking up. Repeat business. Local Butcher

Lyn – Buy Local Festival picked up 76 exhibitioners and 22 sponsors in the first 4 days of the launch.

Mandy – negotiated exhibition space for an artist

Mandy – has been appointed an administrator for NSW Central Coast Face Book Group

Chris – Got a testimonial from a new client “expediential”

Needs:

Ted has a person looking for some part time or casual work. If you know of anyone, please contact Ted. Thanks

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

Natalie Pye: C & N Freight.
www.cnfreight.com

Megan Roberts: Bell Bird Web Solutions
www.bellbirdwebsolutions.com.au

Ted O’Shannessy: Financial Freeway
www.financialfreeway.com.au

Sandra Boyd: Kani Consultants
Website still being built -sandi.kani@gmail.com

Toni Fountain: Insight Health – Chiropractor
Website still being built - toni_fountain@rslcom.net.au

Brian Maggs: Management Assistance Australia
Website still to be built – bmaggs@maagroup.com.au

Brian Plush: Management Assistance Australia
Website still to be built – brian.plush@bigpond.com

Jenny Abourizk: Job Centre Australia
www.jobcentreaustralia.com.au

Lyn Thompson: LBH Promotions
www.lbhpromotions.com.au

B2B
www.b2b.com.au

Toni Oliver: Toni Oliver Conveyancing
www.tonioliverconveyancing.com.au

Kathy Bree: Coffee News Central Coast
www.coffeenewscc.com.au

Heather Nilsen: Perfect Blooms
www.perfectblooms.com.au

Hugh Bowman: Bowman Coastwide Bookkeeping
Email – hugh.bowman@iinet.net.au

Moria Bayliss: Herbalist

Natalie Rodriquez: Unique Photography
www.uniquephotography.com.au

Mandy Apsey–Jones: Art like no other
Contact – mandy_loveslife@hotmail.com

Christopher Eather: Bunnys Computer Repairs & Builds
Contact – chris.eather@gmail.com

Presentations:

Today’s presentation is from Hugh Bowman from Bowman Bookkeeping on Cash Flow in your business.

Money Bucket
· Money comes in
· We have little go out in expenses
· Then we have unexpected bills come out

· Looking at your cashflow you need to plan.

· Invoicing problems – many business owners don’t follow up on their outstanding accounts. Ask for money.
· Change your payment terms to 7 days.
· On day 8 - call and see if they have received the invoice if so can they pay
· On day 14 – if not paid, send a reminder
· On day 28 – if not paid, send a reminder

· Discuss your terms up front for payments with clients.
· If charging a late fee or interest you need to charge up front.
· Always go through to the person who has control of the accounts and payments, speak to them

· Pull all your invoicing in.

· Control your clients and supplier payments

· Reduce outgoings

· Idea – if not comfortable ringing people for outstanding accounts, then have someone ring for you and follow up the debts

· Important to have a cashflow budget – look to 3 months of budgeting

· Know what your income due is what your outgoing expenditure

· Know when your payments are due, if cannot pay on time, organise a payment plan with the business

· Watch your spending. Especially if you have a monthly account. Don’t order in the final few days if cash flow is tight.

· If you owe the ATO, call them and discus your options for payments. If you need help ask them. But make regular payments and stick to the plan

· Registering for GST – watch out for the compliance

· Leasing vehicles –
o Chattel mortgage – tax advantage up front on GST
o Leasing with a residual – claim each month

Look at what you can afford.

For more information or any questions – please contact Hugh

Raffle Drawn:

Prize donated from: Tarnia Gurney
Amount collected this fortnight: $36
Today’s Winner – Mandy
That is a total of $141 to be donated to the Iris Foundation this quarter.

Thank you for coming along today. Feel free to network with your peers.

Our Next Meeting is on the 10th March. We will start at 10.30am sharp.

Our Next Presentation will be by Angela Anthony on Estate Planning.

Coffee Time Minutes - 10th February 2010

2010-02-17T21:39:00.000-08:00

Welcome

Welcome to our new visitors.

Apologises

Dean Brown, John Mann, Rae Phillips, Karen Teunissen, Hugh Bowman

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)

Update on:

The raffle is going around. Last meeting we raised $34. This will go together with today’s collection to the Iris Foundation. So far this year we have raised $78.00

Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.

Expos/Events:

· B2B Festival – Buy Local – Wyong Race Club, 13th May
· May 2010 – Home and Small Business Month
· CCWN Business Expo Extravaganza – Mingara 23rd June

Networking:

· Coffee Times 24th Feb and 10th & 24th March
· B2B with a twist – 17th Feb – Central Coast B2B Networking Night
· Central Coast Women’s Network Luncheon at Mingara – 18th Feb
· Wyong Chamber of Commerce – networking and dinner. 23rd Feb
· International Women’s Day – CCWN is supporting the Day on the Central Coast at Iguana Joes on 5th Mar.

Education:

BEC courses evening courses (6 – 9pm)
· 16th Feb – Research Business Opportunities – getting into business
· 24th Feb – Operating a business from home
· 2nd Mar – Sales and Marketing – Part A
· 10th Mar – Sales and Marketing – Part b
· 16TH Mar – Business Planning Part A
· 23rd Mar – Business Planning Part B

Australian Retail Association is offering a free 3 hr training session at the Zenith Centre on the 19th Feb. if interested please contact me and I will send out link.

Wins:

Tony Bourke – Distribution of his book Australia Wide.

Ted O’Shannessy – Send out Cards Events organised in Sydney

Christina & Darren – Wiggles n Giggles have a new class at Mardi – free trial

Megan – Bellbird Business has picked up

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

Natalie Pye:
C & N Freight.
cnfreight@bigpond.com

Megan Roberts:
Bell Bird Web Solutions
www.bellbirdwebsolutions.com.au

Ted O’Shannessy:
Financial Freeway
www.financialfreeway.com.au

Rob Buckworth:
C4telecom Communications
www.c4telecom.com.au

Christina & Darren Jones:
Wiggle n Giggle
www.wiggleandgigglemusic.com.au

Sandra Boyd:
Kani Consultants
Website still being built -sandi.kani@gmail.com

Anthony Green:
Psoriasis & Skin Clinic
www.psoriasis.com.au

Simon Cook:
Toshiba and World Pacific Telecommunications
www.toshiba-web.com

Tony Bourke:
AIIB Insurance – Director of AIIB
http://www.aiib.com.au

Craig Giles
Centrum Printing.
www.centrumprinting.com.au

Toni Fountain:
Insight Health – Chiropractor
Website still being built - toni_fountain@rslcom.net.au

Brian Maggs:
Management Assistance Australia
Website still to be built – bmaggs@maagroup.com.au

Brian Plush:
Management Assistance Australia
Website still to be built – brian.plush@bigpond.com

Wayne Gates:
BEC – Business Enterprise Centre
www.centralcoastsmallbiz.com.au

Discussion on Challenges in Business:

Today we discussed opportunities and marketing ideas. Suggestions were:
Networking events
News papers
Medical journals
Buses
Radio
Website – own website – not others
Flyers
Mail outs in local area
Reoccurring -letter box drop in specific areas: 4 - 6 times over the year
Letters to other practitioners that can refer people to the business
BNI
Have a blog
Referral system with doctors
Referral system with clients
Send personal cards to clients – Christmas, birthdays, hi how are you?
Work out who is your target market? Where is your target market?
Advertise in community centres,
True local, yellow pages, www.gumtree.com.au www.flyingsolo.com.au
Twitter, face book, linked in and my space

Presentations:

Today’s presentation is from Wayne from the BEC:
BEC provides a mentoring service for home and small businesses
Mentors – all volunteer – have previously owned or run businesses.
Assist in business plan
Provides workshops on sales, marketing, cashflow, business planning, etc for small business owners
Small business start up business – support from NAB
Bringing business online – workshops in 2010
Looking at virtual offices.

For more information or any questions – please contact Wayne at BEC – Business Enterprise Centre on www.centralcoastsmallbiz.com.au or 4355 4885

Raffle Drawn:

Prize donated from: Tarnia Gurney
Amount collected this fortnight: $27
Today’s Winner – Christina Jones
That is a total of $105 to be donated to the Iris Foundation this quarter.

Thank you for coming along today. Feel free to network with your peers.

Our Next Meeting is on the 24th February. We will start at 10.30am sharp.

Our Next Presentation will be by Hugh Bowman from Bowman Bookkeeping on Cashflow in your business.