Coffee Time Minutes - 12th September 2012

Welcome
Welcome to our new visitors


Apologies
Dawn and Bev, Kate Morris and Kellie Targett


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 $441.50 (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?


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 26 September – NSW Business Chamber - Daniel Farmer
• Coffee Time 10th October – TBA
• Coffee Time 24th October – TBA
• Coffee Time 14th November – Open Forum – Preparing for 2013
• Coffee Time 28th November – Security in your business – Mark Izzard
• Coffee Time 13th December – Christmas Party – Morning coffee meeting and luncheon
• 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 business expo – 19th September


Education:
2012 – 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:
• Business Expo – 19th September at Mingara


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

Rachel Dillon
Promo Creative promocreative1@gmail.com
Elite Embroidery www.eliteembroidery.com.au

Julie Watson
Ezipix www.ezipix.com.au

Lyn Sammut
Baskets Galore www.basketsgalore.com.au

Selma Sancar
Voice Concepts www.voiceconcepts.com.au

Christina Jones
Wiggle n Giggle www.wigglengiggle.com.au

Kathy Bree
Coffee News www.coffeenews.com.au

Nicolette Gregory
Artistique Photography www.artistiquephotographybynicolette.com.au

Paul McCarthy
Lakes Mail pmccarthy@lakesmail.com.au


Wins

Nicolette – 5th place in Australia Wide Bridal photography competition

Nicolette – 2nd place in Central Coast Landscapes

Rachel – has all the new equipment for the new business

Selma – Daughter got into the grand final for soccer

Paul – soccer team won the grand final

Christina – has secure funding for free classes in San Remo through learning index

Christina – starting classes with Little Diggers – the Entrance

Selma – a new contract for a hospital in Sydney for phone system with 100 handsets.

Congratulations everyone





Presentation today  Sales – open forum

What is Sales?

• The exchange of a commodity for money; the action of selling something; a quantity or amount sold.
• A sale is the act of selling a product or service in return for money or other compensation. It is an act of completion of a commercial activity

So what is it we do, why and how?
• Need to be honest
• Offer a product or service that people require or want
• A call to action
• With websites – use key words, have your home page as your website, gets to the front by number of views
• Facebook, Twitter and Linked in to advertise and let people know what you are selling
• 20% Promotional and 80% information – sales offers (websites)
• Share information with people
• Word of mouth
• Support each other
• Support local small business
• Referrals – give them only if you know them or have used them. No use referring someone if you don’t know what they do or how they work.
• Send out price lists
• Value for money
• Email your contacts – need and value
• You sell yourself – you have to be professional, friendly, honest, reliable.

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 – Christina , thanks to Lyn from Baskets Galore who donated a voucher.

Today we raised $23 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 26th September - arrive 10.25am for 10.30 start – sharp

Presentation – Daniel Farmer and the NSW Business Chamber.

Coffee Time Minutes for 8th August 2012

Welcome
Welcome to our new visitors – Lyn, Nicole and Jean


Apologies
Kate Morris and Kellie Targett


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 & Bar 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 $44 bringing the total this year raised $418.50 (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.

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



Upcoming Networking:
• Coffee Time 22nd August – Insurances and your business – Tony Bourke and Kellie Targett
• Coffee Time 12th September - Open Forum – Sales
• Coffee Time 26 September – NSW Business Chamber - Daniel Farmer
• Coffee Time 10th October – TBA
• Coffee Time 24th October – TBA
• Coffee Time 14th November – Open Forum – Preparing for 2013
• Coffee Time 28th November – Security in your business – Mark Izzard
• Coffee Time 13th December – Christmas Party – Morning coffee meeting and luncheon
• 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 – 23rd August


Education:

2012 – 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:
• Business Expo – 19th September at Mingara



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

Leanna & Ashley
Gem Candles www.gemcandles.com.au
Intimate Whispers www.intimatewhispers.com.au

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

Rachel Dillon
Elite Embroidery www.eliteembroidery.com.au

Natalie Williams
ET Australia www.etaustralia.com

Julie Watson
Ezipix www.ezipix.com.au

Sylvie Carter
Axiom Services www.axiomservices.com.au

Lyn Sammut
Baskets Galore www.basketsgalore.com.au

Nicole Thompson
McDonalds Community Liaison Officer – McDonalds Tuggerah, Wyong and Lake Haven

Jean
McDonalds Wyong McCafe


Wins
Rachel – might have a buyer for business
Natalie – Wedding Anniversary
Leanna – New Gem Candles Sales Rep.


Presentation today

Advertising in your business – open forum

What is advertising?
The aim of advertising is to get customers attention and influence their behaviour, usually to buy your product or service. It can be expensive, so you need ensure that you are getting the right message to the right people.

What to look at before you spend:
• Is it going to get me the right customers
• Is it my target market
• What are the costs
• Will it harm my image
• Will it generate sales
• Will it increase my profile

Where to Advertise:
• Newspapers
• Magazines
• Radio
• Internet
• Television
• Yellow pages
• White pages
• Buy local
• True local
• Gum tree
• Brochures
• Mail outs
• Letterbox drops

What to do:
• Set out a plan for the year or 18 months
• Work out your budget for the year, month
• Work out how much you want to spend
• Work out the amount of new clientele you need to cover the costs to make it worth while.
o E.g.: if it costs you $2000 per month, how many clients do you need to cover the cost? 10 clients a month to cover the cost of advertising.
• When signing up for advertising – read the fine print
• Be careful not to be caught up in contracts.
• Social Media – advertising through – linked in, face book, twitter
• Research all options before signing up. What works for someone, might not work for the next person
• Each business is different – check your target market

Information utilised from the NSW Department of State & Regional Development – Advertising & Promotion training guide.

If you would like further information about Advertising – speak to the BEC as they are happy to help you more.

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 and Lyn

Today we raised $44 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 22nd August - arrive 10.25am for 10.30 start – sharp

Presentation – Panel of experts - Insurance for you

Coffee Time Minutes 11th July 2012

Welcome

Welcome to our new visitors – Alyson


Apologies

Tony Bourke, Kathy Maree, Kathy Bree, Debbie Thompson, Kate Morris


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 $374.50 (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?


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 8th August – Open Forum – Marketing in your business

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

• Coffee Time 12th September - Open Forum – Sales

• Coffee Time 26 September – NSW Business Chamber - Daniel Farmer

• Coffee Time 10th October – TBA

• Coffee Time 24th October – TBA

• Coffee Time 14th November – Open Forum – Preparing for 2013

• Coffee Time 28th November – Security in your business – Mark Izzard

• Coffee Time 13th December – Christmas Party – Morning coffee meeting and luncheon

• 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



Education:

2012 – 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:

• Business Expo – 19th September at Mingara

• B2B last night at Terrigal’s Country Comfort Inn was great. Staff, Food and Service was fantastic. Lots of new people as well. Fun times were had.


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/

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

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

Nicolette Gregory
Artistique Photography http://www.artistiquephotographybynicolette.com.au/

Moria Bayliss
Herbalist moirabayliss@hotmail.com

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

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

Paul McCarthy
Lakes Mail pmccarthy@lakesmail.com.au

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

Glenn Kirkwood
The Referral Guy http://www.australiasmarketingmentor.com/

Natalie Williams
ET Australia http://www.etaustralia.com/

Danielle Cope
Work Experience Student from ET Australia

Alyson
Paper Weight Designs paperweightdesigns@bigpond.com


Wins

Paul – Sold his first ad on his 2nd day.
Toni – Insight Health is putting on a fulltime receptionist in August
Nicolette – has received another award for a portrait
Leanna – got 9 parties booked at the clicks at the flicks night for intimate whispers;
Leanna - Finalist in Favorite Product Awards;
Leeana - won an overnight stay at the country comfort last night.
Tarnia – picked up a trophy for being a finalist at the Northern Lakes Chamber of Commerce.
Tarnia – has been invited to her first conference as an adviser.
Tarnia – has been nominated for the AFA awards, and some of her clients have voted for her as well.
Jenny – Meat at Georges is a finalist in the Wyong Chamber of Commerce Awards this week
Jenny – Job Centre Australia is a finalist in the Wyong Chamber of Commerce Awards this week.


Presentation today

Human Resources – Open Discussion

• What is human resources?

o The personnel of a business of organisation

o The department of a business or organisation that deals with administration, management and training or personnel.

• What do they do?

o Deal with staff problems

o Performance management of staff

o How to hire and fire

o Training

o Keep staff happy

• Training – make sure you have procedure and office manuals for your business.

• Ensure training is at induction as well as ongoing

• Keep in touch with your staff to ensure they are happy

• By keeping in touch with staff you can keep tabs on what’s happening and what they need help on

• Look at your team; who makes it up; where can each person bring some thing different to the table and help make the team better

• Make sure everyone is accountable; even the boss

• Have steps in procedures so people can understand what is the task

• Ensure staff know what is expected from them

• Ensure staff are trained properly in products and their job

• Ensure use of job descriptions

• Make sure you are compliant in work – agreements, wages, workers compensation, etc

• Make sure your terms of employment are up to date

• Put training manuals online, for easy access as well as having them updated

• Set targets for your team

• Have regular staff meetings to see how everyone is going

• Look at rewards – Friday drinks, bonuses, flowers, awards

• It’s the little things that make a good team – reward when you can – a thankyou will do as well

• Know what drives your team

• Be fair and state up front what you expect

• Make sure you have realistic KPIs, and people understand what they are and why you have them

• Make KPIs achievable

• Train your staff to reach their KPIs

• Ensure you have discipline and consequences if not meet, but explain why

• Have a team rather than someone who works for you

• Get feedback from your team

• Work together, not against each other

• Who does what and why? Accountability

• Bosses make mistakes too

• Look at people in your team, or who you want in your team, who wants to work together, time to give, mix of men and women, different skills

• Have a board of advisers to help you the business owner be accountable.

• Semi retired or retired people are always willing to be mentors.

• The BEC have mentors aswell if you are interested, run upstairs and see the team.

• Rotary can also supply you with a mentor

For further information on Human Resources go to

 http://www.inspire-success.com/ or Call Rae Phillips

or

http://www.nswbusinesschamber.com.au/ or call Daniel Farmer


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 – Glenn and Leeana

Today we raised $31 for Iris Foundation.

Thanks and see you next time

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

Presentation – Open Forum about marketing your business as a small business owner.

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