Coffee Time Minutes - 11th July 2012

Welcome
Welcome to our new visitors : Shan


Apologies
Dawn and Bev, Melissa Cooper, Tony Bourke, Rachel Dillon


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 $30 bringing the total this year raised $343.50 (including this week’s total) for this year for the Iris Foundation in 2012.

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 120 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.

I have bought a card box for everyone’s cards and the folders were ripped. Please utilise the card holder box, please pass 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?

Work Cover .


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


Upcoming Networking:

• Coffee Time 25th July – TBA – Human Resources in your business

• Coffee Time 8th August – Open Forum – Marketing in your business

• Coffee Time 22nd August – Insurances and your business – Tony Bourke and Kellie Targett

• 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 – 26th July – Christmas in July

• 13th July – Westpac Race Day – we have booked 2 tables of 10.

• Chicks at the flick - $26 18th July – movie is Magic Mike


Education:

2012 – Visit BEC upstairs or log on to www.ccbec.org.au

o BEC & Work cover courses – keeping small business safe

o 19th June – Sole Trader - not using subcontractors or employing staff

o 19th June or 24th July – Employing staff

o 24th July - Using subcontractors

o Social Media 19.7.12


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:

• Business Expo – 19th September at Mingara


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/

Leeanna
Gem Candles http://www.gemcandles.com.au/
Intimate Whispers http://www.intimatewhispers.com.au/

Judy Roffy
Buy Local online/ LBH Promotions/ B2B http://www.b2bwithatwist.com.au/

Debbie Thompson
Group Ability http://www.groupability.com.au/

Alan Turvey
Yes to this http://www.yestothis.com/

Jahne Peart
Exploring Names jahne@hotcollections.com.au

Sylvie Carter
Axiom Services http://www.axiomservices.com.au/

Shan Lawson
Centrefield Coaching http://www.centrefieldcoaching.com.au/


Wins
Leanna – Got a feature in the Business Awards (NLBCC)
Debbie & Alan to do a workshop together – 31st July
Jayne – has had a lot of interest since her article in the local newspaper

Presentation today 
No presentation today – open forum about business

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

Planningwerx4u has Business Planning CD’s for $50 (+ GST) each, if you would like one please let Tarnia know.

Winner of today’s raffle – Shan, Sylvie and Tarnia

Today we raised $30 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 11 July - arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum about Human Resources in the business.

Coffee Time Minutes - 27th June 2012

Welcome to our new visitors – Nicole, Bec, Alan, Sharyn

Apologies - Patrick, Toni Fountain, Mel Cooper, Kathy Bree

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? The Edge Cafe, 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 $28 bringing the total this year raised $313.50 (including this week’s total) for this year for the Iris Foundation in 2012.  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 120 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.

I have bought a card box for everyone’s cards and the folders were ripped. Please utilise the card holder box, please pass 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?

Goal Setting - Make sure you write down your goals and visit them regularly.

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


Upcoming Networking:

• Coffee Time 11th July – Open Forum – Budgeting and finances
• Coffee Time 25th July – TBA
• Coffee Time 8th August – Open Forum – Marketing in your business
• Coffee Time 22nd August – Insurances and your business – Tony Bourke and Kellie Targett
• 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 – 26th July – Christmas in July
• 13th July – Westpac Race Day – we have booked 2 tables of 10. And we have 2 seats left on the Coffee Times table. Tickets are $95 each, money due immediately.
• Chicks at the flick - $26 18th July – movie is Magic Mike


Education:

2012 – Visit BEC upstairs or log on to www.ccbec.org.au

o BEC & Work cover courses – keeping small business safe
 -  24th July – Employing staff
 - 24th July - Using subcontractors

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:

• Business Expo – 19th September at Mingara


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/

Dawn & Bev
Iris Foundation http://www.irisfoundation.org.au/

Rachel Dillon
Elite Embroidery http://www.eliteembroidery.com.au/

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

Leeanna
Gem Candles http://www.gemcandles.com.au/
Intimate Whispers http://www.intimatewhispers.com.au/

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com/

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

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

Judy Roffy
Buy Local online/ LBH Promotions/ B2B http://www.b2bwithatwist.com.au/
Jay Lewis
Work Cover NSW http://www.workcover.com.au/

Paul McCarthy
LDN Local Direct Network http://www.ldn.net.au/

Bec
BBX http://www.bbx.com.au/

Debbie Thompson
Group Ability http://www.groupability.com.au/

Katy Gregory
Landin http://www.landin.com.au/

Alan Turvey
Yes to this http://www.yestothis.com/

Sharyn Burgess
Wyong Neighbourhood Centre http://www.wyongneighbourhoodcentre.org.au/

Nicole
The Edge Café & Bar http://www.theedgecafebar.com.au/


Wins

Leanna – just signed her first male sales consultant for intimate whispers in Victoria
Leanna – Won home Based business with the Northern Lakes Business Chamber Awards
Debbie – Signed her first international client
Lyn – 20000 attended buy local in may 12.
Marama – signed a 12 month contract with a large company in Sydney to do work with search optimization.


Presentation today - Work cover -with Jay Lewis

• New laws came out in January 2012
• Changes to the names
• In line with other states in Australia
• Previously known as Employer is now known as PCBU
• Previously known as a employee is now known as a worker (somebody engaged)
• Worked can be casual, fulltime, contractors, apprentices, volunteers.
• Basically work cover is common law.
• Common law – to look after people doing work for you
• Ensure premises are safe,
• Ensure machines are safe
• Responsibility to train and adequately show OHS procedures have been taught
• Need to have good systems in place
• Manage risks
• Risk consultations with your workers to find out if there is any concerns
• PCBUs have a legal responsibility to talk to all engaged workers
• Consult between different parties. Example; you have a worker, and you rent a shop, and the body corp. need to all be talking and aware of issues.
• All employers (PCBUs) have a duty of care
• Volunteers need to be looked after aswell.
• Need to identify possible risks
• Notify people – PCBUs, workers
• There is a code of practice now with work cover
• For more information go to http://www.workcover.nsw.gov.au/Pages

Please note this is just nbotes - for full information please refer to the website. Gurney Financial Services is not and will not be liable for any advice given.

Thank you Jay for coming out to speak to us in relation to the changes in work cover.

If you would like the handouts from today, then please contact Jay at jay.lewis@workcover.nsw.gov.au  or go to the website http://www.workcover.com.au/

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

Planningwerx4u has Business Planning CD’s for $50 (+ GST) each, if you would like one please let Tarnia know.

Winner of today’s raffle – Judy Roffey

Today we raised $28 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 11 July - arrive 10.25am for 10.30 start – sharp

Presentation – Budgeting and Financials – open discussion and forum.

Coffee Time Minutes - 13th June 2012

Welcome
Welcome to our new visitors


Apologies
Kathy Bree


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 $30.50 bringing the total this year raised $285.50 (including this week’s total) for this year for the Iris Foundation in 2012.

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 120 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.

I have bought a card box for everyone’s cards and the folders were ripped. Please utilise the card holder box, please pass 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?

Accounting – make sure you keep receipts, organise a meeting with your accountant, and look at saving tax.


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


Upcoming Networking:

• Coffee Time 27th June – Work Cover with Jay Lewis

• Coffee Time 11th July – Open Forum – Budgeting and finances

• Coffee Time 25th July – TBA

• Coffee Time 8th August – Open Forum – Marketing in your business

• Coffee Time 22nd August – Insurances and your business – Tony Bourke and Kellie Targett

• 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 – 24th May

• 13th July – Westpac Race Day – we have booked 1 table of 10. And we have 2 seats left on the Coffee Times table. Tickets are $95 each, money due on the 27th June 2012. So far on our table we have:

- Sharyn Burgess

- Kate Morris

- Karen McLean

- Dean Brown

- Tony Bourke

- Tarnia Gurney

- Casey Targett

- Kellie Targett



Education:

2012 – Visit BEC upstairs or log on to www.ccbec.org.au

o BEC & Work cover courses – keeping small business safe

o 19th June – Sole Trader - not using subcontractors or employing staff

o 19th June or 24th July – Employing staff

o 24th July - Using subcontractors



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:

• Business Expo – 19th September at Mingara


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/

Nicolette Gregory
Photographer onefitone@bigpond.com

Dawn & Bev
Iris Foundation http://www.irisfoundation.org.au/

Rachel Dillon
Elite Embroidery http://www.eliteembroidery.com.au/

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

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

Leeanna
Gem Candles http://www.gemcandles.com.au/
Intimate Whispers http://www.intimatewhispers.com.au/

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com/

Sylvie Carter
Axiom Services http://www.axiomservices.com.au/

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

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

Jo Thomson
Destiny by Choice http://www.destinybychoice.com.au/

Jahne Peart
Exploring Names jahne@hotcollections.com.au

Glenn Kirkwood
That Referral Guy www.thatreferralguy.com/.au

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

John Mann
Retired Business Manager


Wins

• Tarnia – Met with 5 of the clients from the Buy Local, another 6 over the coming weeks. And more to call again.

• Tony – Sold his home, and bought a new home

• Nicolette- has 2000 likes on her Facebook page

• Toni – has 3 new practioners

• Kate – thanks to everyone for their support over the past few years. Good news for a family member

• Glenn – completed ½ marathon in 1h 17m

• Jahne – interviewed by Express Advocate and article in last Wednesdays paper

• Leanna – new consultant in QLD

• Leanna – Inquiry for USA exporting company – Gem Candles

• Ashley – (Leeana’s Son) Nominated and Finalist for NLBC Awards

• Leanna – Nominated and Finalist for the NLBC Awards

• Tarnia – Nominated and Finalist for the NLBC Awards

• Tarnia – Nominated for Telstra Business Woman of the Year 2012 Awards



Presentation today

Tony Bourke on Goal Setting

• Top 10% of people in the world have a goal

• Most people don’t know how they will get to their goal

• Write down your goals.

• Be specific with your goals and steps to get there

• Brian Tracy completed a study that showed that people that simply wrote down what they wanted and put it in their wallet or purse, when they looked at the list a year later 80% of them had completed those goals.

• Bob Proctor - wrote a book “You were born rich”. Check it out

• Maybe make a vision board – add pictures and words to it. Dates aswell

• Have an emotional attachment to your goal – imagine what it would feel like

• Be excited about your goal

• Another idea is to get a shoe box – make a slot in it, and drop all your pictures in there of your goals

• Have a vision board for your business and your personal life

• Audrey Hepburn once said – Nothing is impossible, the word itself says IM POSSIBLE!



For copies of the Goal Setting Sheet or to download – here is the link

http://www.tonybourke.com.au/images/goalsettingsheet.pdf

For More information - http://www.tonybourke.com.au/

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

Planningwerx4u has Business Planning CD’s for $50 (+ GST) each, if you would like one please let Tarnia know.

Winner of today’s raffle – Kate Morris

Today we raised $30.50 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 27th June - arrive 10.25am for 10.30 start – sharp

Presentation – Work cover

Coffee Time Minutes - 23rd May 2012

Coffee Time Minutes 23rd May 2012


Welcome
Welcome to our new visitors

Apologies
Kathy Maree, Toni, Patrick, Rob B and Kate, Selma

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 $36 bringing the total this year raised $255 (including this week’s total) for this year for the Iris Foundation in 2012.

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 120 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.

I have bought a card box for everyone’s cards and the folders were ripped. Please utilise the card holder box, please pass 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 13th June – Goal Setting with Tony Bourke

• Coffee Time 27th June – Work Cover with Jay Lewis

• 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 – 24th May

• Buy Local Race Day 31st May - $110 ticket, book in with Lyn or Suzie from B2B with a twist

• Wyong Chamber of commerce Dinner is on Tuesday the 29th May – Farewell to Sharyn Burgess , and the presentation is from Marcus Kroek, book in with the Chamber


Education:

2012 – Visit BEC upstairs or log on to www.ccbec.org.au

o BEC & Work cover courses – keeping small business safe

o 6th or 19th June – Sole Trader - not using subcontractors or employing staff

o 19th June or 24th July – Employing staff

o 6th June or 24th July - Using subcontractors

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:

• Buy Local Festival – 18th and 19th of May at Wyong. Was fantastic. People wanting to book in now. 2500 on the Friday and 17500 on the Saturday.

• Business Expo – 19th September at Mingara

• Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation

• 24th May – Gurney Financial Services Biggest Morning Tea


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/

Nicolette Gregory
Photographer onefitone@bigpond.com

Dawn & Bev
Iris Foundation http://www.irisfoundation.org.au/

Warren Garth
Cats Accounting http://www.catsaccounting.com.au/

Rachel Dillon
Elite Embroidery http://www.eliteembroidery.com.au/

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

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

Leeanna
Intimate Whispers http://www.intimatewhispers.com.au/

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com/

Grant Pavett
CFS Accounting Group http://www.cfsgroup.com.au/

Kathryn Turdak
Kats Websites and more http://www.katswebsitesandmore.com/

Cassie Jones
Lollypotz http://www.lollypotz.com.au/

Sylvie Carter
Axiom Services http://www.axiomservices.com.au/


Wins

• Tarnia – got a heap of leads from the buy local festival and had a wonderful time
• Bev & Dawn – the stone carvers at the festival have donated a chess table to Iris Foundation, there are bids on it. As @ 23.5.12 highest bid was $1,500
• Warren – having a holiday
• Wyong Chamber – picked up 10 new clients at the Buy Local and 5 leads

Presentation today

Warren Garth on Accounting and Bookkeeping

What’s the difference between leasing and higher purchase?

• Lease – hire the vehicle; pay a charge and hand back car at the end; Claim in tax return; GST claim on a lease

• Higher purchase – purchase and own vehicle. Has depreciation; Interest is claimable;

• Chattel mortgage - Claimed GST upfront



What time is a good time to go to a company from a sole trader?

• Turnover – increasing $100K +

• To set up a company costs about $1 - $2K

• Tax minimisation with a company

• Structure is your foundation

• Most people set up as sole trader – all income is personal tax, there is no tax saving



What are the tax benefits of a company?

• 30% instead of MRT

• Legally protected in a company

• As a sole trader you are legally responsible



What is the benefit of meeting with your accountant before June 30th?

• Talk about cash flow

• Talk about strategies to minimise tax

• Tax benefits

• Tax planning from the start of the financial year

• Money into super

• Ways to save money, look a business spending



How complicated is it to switch from a sole trader to a company?

• New bank accounts

• New GST registration

• Company no.

• New insurances

• Registration of a company

• Meet with an accountant to set up correctly – this way winding any debts or credits to go to company can be set up correctly.



Important Note:

• Make sure you have good records – if you have good record it is cheaper when you meet with the accountant.

• Keep on top of your accounts

• Keep up to date with your GST and PAYE tax

Please note – this is general advice ONLY. Please seek professional advice for your situation as each person is different. Disclaimer – CATS Accounting and Gurney Financial Services are not/will not be liable for this general information provided. For further information please speak to your accountant or Warren.

Thank Warren for your presentation

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

Planningwerx4u has Business Planning CD’s for $50 (+ GST) each, if you would like one please let Tarnia know.

Today we raised $36 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 13th June - arrive 10.25am for 10.30 start – sharp
Presentation – Goal Setting With Tony Bourke

Coffee Time Minutes - 9th May 2012

Welcome - Welcome to our new visitors


Apologies - Kathy Maree, Toni, Patrick, Rob B and 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? The Edge Cafe, 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 $48 bringing the total this year raised $219 (including this week’s total) for this year for the Iris Foundation in 2012.

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.

I have bought a card box for everyone’s cards and the folders were ripped. Please utilise the card holder box, please pass 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 23rd May

• 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 – 24th May


Toukley Neighbourhood Centre

Info on cheap reconditioned computers. Call Kylie if interested. 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


Education:

2012 – Visit BEC upstairs or log on to www.ccbec.org.au

o May Courses:

o How to recover debts part A – 9th

o How to recover debts part B – 16th

o BEC & Work cover courses – keeping small business safe

o 6th or 19th June – Sole Trader - not using subcontractors or employing staff

o 19th June or 24th July – Employing staff

o 6th June or 24th July - Using subcontractors



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:

• Buy Local Festival – 18th and 19th of May at Wyong.

• Business Expo – 19th September at Mingara

• Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation

• Slither and slumber – for the Iris Foundation. The night was great and raised $27K.

• 24th May – Gurney Financial Services Biggest Morning Tea



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/


Nicolette Gregory
Artistic Photography onefitone@bigpond.com


Dawn & Bev
Iris Foundation http://www.irisfoundation.org.au/


Leeanna & Ashley
Intimate Whispers http://www.intimatewhispers.com.au/


Rachel Dillon
Elite Embroidery http://www.eliteembroidery.com.au/


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

Kathy Bree
Coffee News http://www.coffeenews.com.au/

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

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

Rae Phillips
Inspire Success http://www.inspire-success.com/

Julie Watson
Karben Training http://www.karbentraining.com.au/
Ezipix http://www.ezipix.com.au/

Glenn Kirkwood
The Referral Guy http://thatreferralguy.wordpress.com/

Debbie Thompson
Group Ability http://www.groupability.com.au/

Katy Gregory
Landin http://www.landin.com.au/


Wins

• Tarnia – Nominated for the Telstra business women awards and the Northern lakes Business chamber awards

• Bev & Dawn – Raised $27K last Friday night

• Kellie – 5 new clients on Friday afternoon

• Lyn – B2B Festival next Friday and Saturday over 180 businesses booked in

Presentation today - Rae Phillips from Inspire Success


5 things for business owners

• Look at the structure of your business

• Are you set up correctly

• Are you a sole trader, partnership or company?

• Have you got in place the correct insurances?

• Do you know what you are responsible for?

• Engaging Support

• Do you employ support?

• Contractors, sub-contractors, casual, permanent, fulltime, part time

• Do you employ services from IT specialists, web designers, bookkeeper, accountants, sales managers, distributors.

• Are you covered? Are they covered?

• When engaging employees –have good agreements in place

• Look at whether you need casual or fulltime – casuals can work varied hours from week to week, full time or permanent need set hours each week.

• Have fixed contracts – set a time for work to be done with a contractor or sub-contractor

• Engaging sub-contractors

• E.g. – bookkeeper

• Have an agreement for what they will do, a list of their services performed, terms and conditions, how many hours or weeks, rate of pay and make sure you follow up, track and get and give feedback

• Engaging employees

• Probation period – 3 months

• Give feedback at 6 weeks and 12 weeks. What they are doing well, and what they need help with

• Have the employee sign off

• Make sure you meet with your employees every 3 months for 30 minutes to review staff, employees, contractors, sub-contractors

• Home base work agreements

• Protect yourself and your home team

• Have your staff sign off on a work agreement – where they work, is it OH&S approved, safe work place, who pays for what – internet, phone, computers,

• Who is responsible for each item - employee or employer?

• Have clarity

• Who has what – who provides what

• Separating from contractor/employee

• Have a checklist

• Remember to get your property back – computers, internet, manuals, keys, etc.

• Change logins and passwords

• Have them sign a confidentiality clause

• Check intellectual property

• Get your equipment back

• Make sure there is a positive outcome

• Insurance – may not extend to contractors, sub-contractors or employees

• Ask for your contractors and sub-contractors to provide certificate of currency showing they have insurance and protection

• If you’re not sure if you are an employee, contractor or sub-contractor check out the websites below for further information

• Non-disclosure statement and confidentiality agreements are important



Check out websites

http://www.inspire-success.com/

http://www.fairworkaustralia.com.au/

http://www.ato.com.au/


Thank Rae for your presentation

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 – Scott from Forsythes

Today we raised $48 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 23rd May 2012 - arrive 10.25am for 10.30 start – sharp

Presentation – Bookkeeping and Accounts with Warren Garth

Coffee Time Minutes - 11th April 2012

Welcome

Welcome to our new visitors

Apologies

Kathy Bree

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 $31 bringing the total this year raised $171 (including this week’s total) for this year for the Iris Foundation in 2012.

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.

I have bought a card box for everyone’s cards and the folders were ripped. Please utilise the card holder box, please pass 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 9th May
· 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 – 26th April
· B2B Networking night – 17th of April
· Wyong Chamber of Commerce Breakfast – 17th April


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


Education:
2012 – Visit BEC upstairs or log on to www.ccbec.org.au
April Courses:
Make your Mark – Trade marking – 3rd
Social Media Domination for Small Business (advanced) – 4th
May Courses:
Recruitment and Staffing Structures – 2nd
How to recover debts part A – 9th
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:
· Buy Local Festival – 18th and 19th of May at Wyong.
· Business Expo – 19th September at Mingara
· Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation
· 4th May - $1000/head - Slither and slumber – for the Iris Foundation. More information www.irisfoundation.org.au Dawn looking for people to sleep out – get others to sponsor you
· 24th May – Gurney Financial Services Biggest Morning Tea
· 17th of May – B2B Networking at Zenith Centre
· Kate has Entertainment books for sale $60.


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

Sjion Stephens
Work Experience – Morriset High

Nicolette Gregory
Photographer onefitone@bigpond.com

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

Natalie Williams
ET Australia www.etaustralia.com

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com

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

Leeanna
Intimate Whispers www.intimatewhispers.com.au

Ted O’Shannessy:
Financial Freedom info@financialfreeway.com.au

Rachel Dillon
Elite Embroidery www.eliteembroidery.com.au

Patrick Zuluaga
PMZ Marketing www.pmzmarketing.com.au

Jahne Peart
Exploring Names jahne@hotcollections.com.au


Troy Melville
BBX www.bbx.com.au

Elizabeth Todd
Income Trigger Consulting www.incometriggerconsulting.com

Tobias Howell
App Now www.appnow.com.au

Kathryn Landman
NAB Business Banker www.nab.com.au


Wins
· Tarnia – No smoking 5 weeks
· Patrick – Lost 6.1 kilos
· Nicolette –is in the Central Coast Bridal Book. One Aussie bride selected for special feature, and in NZ her bridal photos are in for bride of the year
· BBX – Troy – able to employ to local women part time. Aiming for a third in July 2012
· Iris foundation – in the middle of finalizing their new board
· Marama - has 3 new services to roll out
· Leeanna – has a new consultant in Newcastle for Intimate Whispers


Update:

Dawn – Iris Foundation has become an independent charity. They will be working with Wyong Neighbourhood Centre to work with the community in early intervention.

Bev - Slither and Slumber has 37 people booked in so far, looking for 50 - 70.


Challenges for Business Owners

Marama – does anyone know who you can contact to chase money overseas? Client gave fraudulent visa details. And bank has obtained the payment from our business back to the correct client. Police investigating here, but need someone in the states. Anyone know?

Leanna suggested - http://www.bbb.org


Presentation today

Listening Skills for business owners – Open Discussion

· We are already skilled communicators
· Sometimes we need to be more conscious of how we listen and speak
· We need to build rapport
· One way to build rapport is through pace. This means noticing what is going on – body language, verbal language, voice, tone and speed and importantly energy
· Listen to how the other person is speaking
· Reflect back to the person speaking to you
· Our brain is broken into 2 sides.
· The left and right side
· The left side controls – reasoning, logic, verbal language
· The right side controls – lateral thinking, tone, imagination
· Response Styles – Judgemental, Interpretive, Supportive, Probing, Understanding
· Effective Listening – by asking questions
· Listening phrases – “ok, so...” and ‘So you...”
· Questioning is a way of getting someone to talk
· People listen for a maximum of 10 minutes before they turn off
· Offer solutions
· Slowly step clients through your processes
· Have scripts in your business or procedures to help you
· Give positive responses
· Address complaints then and there
· Be seen to be listening to the client
· Listen and hear the person speaking to you
· Face to face – maintain eye contact
· Each person has difference tendencies, have to learn to match or talk to different types of people.
· Repeating back to the person to show you are listening
· Take notes when speaking to someone.
· Open questions not closed
· Closed questions are one word answers
· Reflect and show understanding of discussion
· Double check with person to see if correct.
· Important Facts
· It costs 6 times more to attract a new customer than it does to keep an old one.
· A typical dissatisfied customer will tell 8 – 10 people about their problem.
· 70% of complaining customers will do business with you again if you resolve or handle their complaint in an empathetic manner.
· 95% of customers will do business with you again if you resolve a complaint on the spot.
· 68% of customers, who leave you, do so because of an attitude of indifference by the company or a specific individual.
· Only 1% of customers complain, leaving 99% of you customers dissatisfied

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 – Scott from Forsythes

Today we raised $31 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 9th May 2012 - arrive 10.25am for 10.30 start – sharp

Presentation – Human Resources with Rae Phillips

Coffee Time Minutes - 28th March 2012

Welcome

Welcome to our new visitors

Apologies

Rachel, April, Bev 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)

Update on our Raffle?

Today we raised $23 bringing the total this year raised $140 (including this week’s total) for this year for the Iris Foundation in 2012.

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.

I have bought a card box for everyone’s cards and the folders were ripped. Please utilise the card holder box, please pass 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 11th March
· 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 – 26th April


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


Education:
2012 – Visit BEC upstairs or log on to www.ccbec.org.au
April Courses:
Make your Mark – Trade marking – 3rd
Social Media Domination for Small Business (advanced) – 4th
May Courses:
Recruitment and Staffing Structures – 2nd
How to recover debts part A – 9th
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:
· Buy Local Festival – 18th and 19th of May at Wyong.
· Business Expo – 19th September at Mingara
· Buy Local Key Rings – going coin donation – money raised goes to the Iris Foundation
· 4th May - $1000/head - Slither and slumber – for the Iris Foundation. More information www.irisfoundation.org.au
· 24th May – Gurney Financial Services Biggest Morning Tea
· 17th of May – B2B Networking at Zenith Centre
· Kate has Entertainment books for sale $60.


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

Dawn
Iris Foundation www.irisfoundation.org.au

Natalie Williams
ET Australia www.etaustralia.com

Marama Carmichael
Essential Wellbeing http://essentialwellbeingforbusiness.com

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

Toni Fountain
Insight Health www.insighthealthaustralia.com.au

Michelle Allen
Webstuff.biz www.webstuff.biz

Scott and Shelly
Forsythes Recruitment www.forsythesrecruitment.com.au


Wins

Tarnia – No smoking 2 weeks
Nicolette – 12 months in Australia and in business – 28 weddings in first yr. and will be in the bridal magazine in a feature.

Dawn – Iris Foundation has become an independent charity. They will be working with Wyong Neighbourhood Centre to work with the community in early intervention.
Slither and Slumber has 35 people booked in so far. Looking for 70.

Marama – has new software to offer her clients

Michelle – has set up a green company. Selling products, healthy alternatives including a water bottle. www.greenecoliving.com.au


Presentation today

Michelle from Webstuff.biz talking about Social Media

Linked In
Corporate site
Search for people you want to do business with
Can get background on people you want to deal with or meet
Market in or out of areas
New clients elsewhere
Tap into companies websites and connect with their team and then you can service their needs
Linked in for business and professional people
Join or add groups
Add messages to groups
Get into a professional conversation
Join Central Coast Professionals Group – network on line with your local businesses
Low marketing budget.
Give recommendations for people
Get a recommendation from people
Being used by corporate business
Builds rapport with each other and businesses
Once rapport built then business can be done
Pay a free and have extra services – advertising and marketing, events, and emailing people

Twitter
Free
Short messages – 140 characters
Connect with others
Follow people
Others follow you
Groups – start a group or join a group,


Face Book
More personal
Set up a page for your business
Have your personal page away from your business
Be careful what you say
Events
Promote your business
Can pay for advertisements


All Sites
Get referrals from people, clients, other business
Promote your business
Makes connections
Developing word of mouth
Sponsoring – Branding
Combine social media and networking
Branding – same branding for all social media
Make sure your branding is correct
If your using foursquare or a check in application – be careful who is watching you
Internet stalking – who’s watching you. People will check up on you before they do business with you
Separate social media - personal and business life.
Be aware of what you are posting
Think about “will it affect you and your business”
Put a banner on your Face Book Page

Thanks Michelle and 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 – Scott from Forsythes

Today we raised $23 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 11th April - arrive 10.25am for 10.30 start – sharp

Presentation – Listening Skills