Welcome:
Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Attendees:
Tarnia Gurney, Simon Cook, Karen Teunissen, Tony Bourke, Ted O’Shannessy, Kate Morris, Andrew Dunn, Peter Sandys, Dean Brown, Toni Oliver,
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all Conversations, recommendations, till the end.
Wins:
Tony – new book out in 6 weeks. Helps small business owners with insurance: keep an eye out for “Risk your business, risk your life”. 10% of sales to go to Alzheimer’s group
Ted – has 109 distributors for Send out Cards; now a Senior Manager. Send Out Cards have brought out Party Plan. Keep an ear out for the next new wave of parties.
Andrew – Biz Sav – Promo starting next month.
Kate – nominated for the Business Women’s Connect awards.
Tarnia – has been nominated for the Wyong Chamber of Commerce awards, Express Advocate Business Awards, and the Wyong Shire Council Community awards.
Update on:
Girls Night in – Tuggerah – went well, about 100 people turned up. So far, accounted for about $5,300 in donations. Good night had by all. Gift bags still for sale, $30 each, and have offers and gifts inside valued at over $400.
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it. Good networking over a meal. http://www.wyongchamber.com.au/
Wyong Chamber of Commerce: Annual Ball – 16th October; Dinner/networking 10th November
B2B Function – Lizottes Newcastle – 22nd August. – was fantastic. Lots of new people. Great music and food.
B2B Function – Next one at Murrays Beach. Contact Lyn for more details or http://www.lbhpromotions.com.au/
If you are interested in going in the next B2B book. You need to organise asap. Contact Lyn, Suzy or Heidi to organise your advertising.
CCWG/SWNG: women’s luncheon on at Wallarah Bay – 29th October and there is a networking night on at the CC Motor Group Wyong on the 18th November. For more info – http://www.sydneywomensnetworking.com.au/
Savvy Singles: Launch on 14th October at Iguana’s Waterfront. For more info http://www.savvvysingles.com.au/
Education
BEC have some courses coming up, please see Debbie or Kim for more information
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Tony Bourke:
AIIB Insurance – Director of AIIB
http://www.aiib.com.au/
Karen Teunissen:
Australian Government Job Placement – CSR
http://www.crsaustralia.gov.au/ .
Simon Cook:
Toshiba and World Pacific Telecommunications
http://www.toshiba-web.com/
Tarnia Gurney:
Gurney Financial Services
http://www.gurneyfinancialservices.com.au/
Planningwerx4U
http://www.planningwerx4u.com.au/
Ted O’Shannessy:
Financial Freeway
http://www.financialfreeway.com.au/
Kate Morris:
Joyful Healing & Wellness
http://www.joyfulhealingandwellness.com.au/
Dean Brown:
Woodview Home Loans & Finance
http://www.homeloansandfinance.com.au/
Andrew Dunn:
BizSav
http://www.bizsave.com.au/
Toni Oliver:
Toni Oliver Conveyancing
http://www.tonioliverconveyancing.com.au/
Peter Sandys:
Find My Local
http://www.findmylocal.com.au/
Find My Local:
Business is owned by Michael. Michael is setting up an online find my local website. It is only for the NSW Central Coast. It is only new and is in the building stage at the moment. Once they have some businesses on there, they will publish on line. It will have your business details, logos, pictures for your business, contact details including address, phone numbers, website and email, Google map of business location, information about your business – exactly what you do. This will assist the clients find exactly what they want and need. For more info contact Peter Sandys or Michael on 02 4305 0865 or enquire@findmylocal.com.au
This Weeks presentation is from Tony Bourke Regarding Goals and Goal Setting.
Who has a goal or goals?
Who has written them down?
Who carries them around with them?
2% of people write down their goals
You need to write down what you really want
80% of people who wrote down their goals, and put them in their wallet, had completed those goals.
Brian Tracy – talks about goal setting, have a look at his books.
Step 1: What do you want? Be specific – How much money, How many clients, etc. write it down.
I am so happy and grateful now that by ______ I am/have
___________________________________________________________________
Step 2: See and Feel the goal completed in your imagination! How does it look and feel in your mind as the completed goal? Describe below.
___________________________________________________________________
Step 3: Action - what is the first step. E.g.: contact someone, read a book, find someone who has done what you want to do, etc.
Goal Action step No 1 is:
___________________________________________________________________
No put the goal in your wallet. And review regularly.
For more information on goal setting contact Tony on http://www.tonybourke.com.au/
Tony provided the group with a handout, if you would like a copy, please contact Tony on tbourke@aiib.com.au
Thanks Tony.
Planningwerx4U has some business planning CDs on sale for $50 this month, will be $359. If you are interested in purchasing a CD or know some one who might be contact Tarnia on admin@planningwerx4u.com.au
Next meeting
Organisation - Tarnia will be opening the topic then an open discussion for all attendees
Upcoming Topics –
Time Management,
Your Super Your Choice,
Business Management.
Thank you all for coming along. Feel free to come along next time, bring a friend. Remember this group is for small business owners to help build relationships with other small business owners, and to offer assistance to others if needed.
For those available, please stay around and have a chat or catch up with someone.
Next Meeting:
Wednesday 28 October 2009 – 10.20 arrival for 10.30 starts.
Thanks
Regards Tarnia
Sunday, October 18, 2009
Tuesday, September 29, 2009
minutes - 23.9.09
Coffee Time Minutes – 23/9/09
Welcome:
Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Apologises:
Dean Brown, Sue Wells
Attendees:
Tarnia Gurney, Simon Cook, Karen Teunissen, Tony Bourke, Ted O’Shannessy, Annie Wilson, John Mann, Kate Morris, Natalie Pye, Alan Jones, Jenny Abourizk, Barry Clendenning,
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Natalie – was able to do business with Craig – C&N Freight for transport of Centrum Printing. Plus 2 permanent pickups for local business.
Kate - has a part time job with Central Coast Community Chest
Tony – Has a file testimonial for his new book. New book out end of next month – helps small business owners with insurance
Simon – Signed 1st deal with Smart Print
Ted – has 100 distributors for Send out Cards;
Update on:
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it.
Good networking over a meal. www.wyongchamber.com.au
Wyong Chamber of Commerce:
Annual Ball – 16th October;
Dinner/networking 10th November
B2B Function – Lizottes Newcastle – 22nd August. – was fantastic. Lots of new people. Great music and food.
B2B Function – Next one at Murrays Beach. Contact Lyn for more details or www.lbhpromotions.com.au
SWNG: Women’s Workshop Tonight (23rd Sept) Castle Hill
Networking on the Green – Wamberal 30th of September
For more info – www.sydneywomensnetworking.com.au
Savvy Singles: Launch on 14th October at Iguana’s Waterfront
For more info www.savvvysingles.com.au
Education
Welcome:
Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Apologises:
Dean Brown, Sue Wells
Attendees:
Tarnia Gurney, Simon Cook, Karen Teunissen, Tony Bourke, Ted O’Shannessy, Annie Wilson, John Mann, Kate Morris, Natalie Pye, Alan Jones, Jenny Abourizk, Barry Clendenning,
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Natalie – was able to do business with Craig – C&N Freight for transport of Centrum Printing. Plus 2 permanent pickups for local business.
Kate - has a part time job with Central Coast Community Chest
Tony – Has a file testimonial for his new book. New book out end of next month – helps small business owners with insurance
Simon – Signed 1st deal with Smart Print
Ted – has 100 distributors for Send out Cards;
Update on:
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it.
Good networking over a meal. www.wyongchamber.com.au
Wyong Chamber of Commerce:
Annual Ball – 16th October;
Dinner/networking 10th November
B2B Function – Lizottes Newcastle – 22nd August. – was fantastic. Lots of new people. Great music and food.
B2B Function – Next one at Murrays Beach. Contact Lyn for more details or www.lbhpromotions.com.au
SWNG: Women’s Workshop Tonight (23rd Sept) Castle Hill
Networking on the Green – Wamberal 30th of September
For more info – www.sydneywomensnetworking.com.au
Savvy Singles: Launch on 14th October at Iguana’s Waterfront
For more info www.savvvysingles.com.au
Education
- September is small business month
BEC have some courses coming up, please see Debbie or Kim for More information
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Tony Bourke: AIIB Insurance – Director of AIIB
http://www.aiib.com.au
Jenny Abourizk: Job Centre Australia
www.jobcentreaustralia.com.au
Alan Jones: Active Assist
www.activeassist.com.au
Natalie Pye: C&N Freight.
Website being built – cnfreight@bigpond.com
Karen Teunissen: Australian Government Job Placement – CSR
http://www.crsaustralia.gov.au
Simon Cook: Toshiba and World Pacific Telecommunications
www.toshiba-web.com
Tarnia Gurney: Gurney Financial Services
www.gurneyfinancialservices.com.au
Planningwerx4U
www.planningwerx4u.com.au
John Mann: JMNetwerx
www.jmnetwerx.com.au
Ted O’Shannessy: Financial Freeway
www.financialfreeway.com.au
Annie Wilson: C Results & Massage Therapist
www.cresults.com.au
Kate Morris: Joyful Healing & Wellness
www.joyfulhealingandwellness.com.au
Open Discussion on Marketing and Sales: - Look at the costs of marketing
- How much is brochures, flyer, newpapers and radio.
- Investigate what actually works
- Send Out Cards – for about a $1.30 you can send a heart felt message to your clients. It’s a personal service. For more info www.sendoutcards.com/tarnia
- Marketing is what you do to attract sales
- Sales is the end result
- What works –
Send Out Cards
Emails
Newsletters – email or posted
Networking - Measure your marketing – ask how did you find me?
- Ask for referrals
- Use yellow pages online, true local, B2B booklets, coffee news, Google.
- Look at what you can do for other people, rather than what others can do for you.
- Utilise Twitter and Face Book, My space and Google, blogs to get more internet exposure to get the Gen Y and X.
- Speak to Deb, Darren and Kim to go on the BEC Website for a free listing.
- On your websites add key words.
- Free listing on yellow pages.
- Free plugs on the radio if you give them something.
- Offer to sponsor local businesses and events.
- Donate time or gift vouchers to fund raisers.
- Target your market.
- Who is your ACTUAL client?
- Complete letter drops in your local area with flyers made at home.
- People need to be touched five times to do business with you.
- When dropping flyers in your suburbs, Colour the corners of your flyers for a certain area, offering a special offer. When people take up the offer, tell them to bring the offer flyer with them. This will assist you in knowing where your flyers are working.
- By time wise, utilise the computer, don’t be computer poor.
- Watch for online fees for newspapers online.
- New ways – computer
- Old ways – paper.
- Networking promotes your business.
- Work with people who will promote your business.
- Logos to right hand side of letterhead and business cards. This assists people with remembering who you are.
- Look to B 2 B for advertising locally as this works.
- www.clickbusinesscards.com at Hornsby about $79.
- When you receive a business card write on the back where you met them and how you can help them.
- Add business cards to your outlook contact system and or your data base to keep in file.
- Utilize send out cards or marketing tool to keep in touch with your data base.
Planningwerx4U has some business planning CDs on sale for $50 this month, will be $359. If you are interested in purchasing a CD or know some one who might be contact Tarnia on admin@planningwerx4u.com.au
Next meeting
Tony Bourke will be speaking on Goal Setting please bring one goal with you.
Upcoming Topics at Coffee Time –
Time Management,
Organisation skills,
Your Super Your Choice,
Business Management.
Thank you all for coming along. Feel free to come along next time, bring a friend. Remember this group is for small business owners to help build relationships with other small business owners, and to offer assistance to others if needed.
For those available, please stay around and have a chat or catch up with someone.
Next Meeting:
Wednesday 14th October 2009 – 10.20 arrival for 10.30 starts.
Thanks
Regards Tarnia
Monday, September 21, 2009
Coffee Time Minutes - 9/9/09
Coffee Time Minutes – 9/9/09
Welcome:
Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Attendees:
Tarnia Gurney, Andrew Dunn, Simon Cook, Craig Giles, Dean Brown, Karen Teunissen, Rae Phillips, Tony Bourke, Ted O’Shannessy, Deb Rayner, Annie Wilson, John Mann, Kate Morris, Christina Jones, Lyn Thompson, Heidi
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Craig – was able to do business with Natalie and Craig – C&N Freight for transport of Centrum Printing.
Kate - has a part time job with Central Coast Community Chest
Deb – Sold Endota to Megan, Sold house and moving to ACT next week.
Christine and Darren Jones - Wiggle n Giggle – have picked up the contract to teach at ASPECT – the autistic school on the Central Coast.
Update on:
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it. Good networking over a meal.
Wyong Chamber of Commerce – Networking night and Dinner at the Wyong Race Club – 9th September of August
B2B Function – Ourimbah Campus – 26th August. – was fantastic.
B2B Function – 22/9/09 - Next one at Lizottes Newcastle. Bus leaving the central coast to go up there and it is $20/head for the bus
Education September is small business month
Free course on at Mingara on the 15th of Sept. for small business
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Craig Giles: Centrum Printing.
www.centrumprinting.com.au
Dean Brown: Woodview Home Loans & Finance
http://www.homeloansandfinance.com.au
Tony Bourke: AIIB Insurance - Director of AIIB
http://www.aiib.com.au
Karen Teunissen: Australian Government Job Placement - CSR
http://www.crsaustralia.gov.au .
Simon Cook: Toshiba and World Pacific Telecommunications
www.toshiba-web.com
Rae Phillips: Inspire Success
http://www.inspire-success.com
Andrew Dunn: BizSav
www.bizsave.com.au
Tarnia Gurney: Gurney Financial Services
www.gurneyfinancialservices.com.au
Planningwerx4U
www.planningwerx4u.com.au
John Mann: JMNetwerx
www.jmnetwerx.com.au
Ted O’Shannessy: Financial Freeway
www.financialfreeway.com.au
Annie Wilson: CResults
www.cresults.com.au
Kate Morris: Joyful Healing & Wellness
www.joyfulhealingandwellness.com.au
Christina Jones: Wiggle & Giggle Music
www.wiggleandgigglemusic.com.au
Lyn Thompson: LBH Promotions
www.lbhpromotions.com.au
Open Discussion on business issues and ideas:
How difficult is it to get new clients
How easy is it to get business from existing clients
Pay as you go insurance – watch out for the clauses as if you go over the amount, you are not covered, also if you have an accident and you pay by the month, you will have to pay the full years premiums.
Watch hidden costs in bills – eg: Telstra
2.5% if you use a credit card
1.% for paying accounts with a credit card
$2.50 over the counter
Mortgages – 98% are being written in the banks. Mortgage brokers can shoop around. Banks use their products only
News - Work Cover have been in touch with me and have asked that we get all our questions together on Work cover and they will come out and answer them.
Please email all questions to tgurney@gurneyfinancialservices.com.au
Planningwerx4U has some business planning CDs on sale for $50 this month, will be $359. If you are interested in purchasing a CD or know some one who might be contact Tarnia on admin@planningwerx4u.com.au
Thank you all for coming along. Feel free to come along next time, bring a friend. Remember this group is for small business owners to help build relationships with other small business owners, and to offer assistance to others if needed.
For those available, please stay around and have a chat or catch up with someone.
Next Meeting:
Wednesday 23rd September 2009 – 10.20 arrival for 10.30 starts.
Thanks
Regards Tarnia
Welcome:
Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Attendees:
Tarnia Gurney, Andrew Dunn, Simon Cook, Craig Giles, Dean Brown, Karen Teunissen, Rae Phillips, Tony Bourke, Ted O’Shannessy, Deb Rayner, Annie Wilson, John Mann, Kate Morris, Christina Jones, Lyn Thompson, Heidi
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Craig – was able to do business with Natalie and Craig – C&N Freight for transport of Centrum Printing.
Kate - has a part time job with Central Coast Community Chest
Deb – Sold Endota to Megan, Sold house and moving to ACT next week.
Christine and Darren Jones - Wiggle n Giggle – have picked up the contract to teach at ASPECT – the autistic school on the Central Coast.
Update on:
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it. Good networking over a meal.
Wyong Chamber of Commerce – Networking night and Dinner at the Wyong Race Club – 9th September of August
B2B Function – Ourimbah Campus – 26th August. – was fantastic.
B2B Function – 22/9/09 - Next one at Lizottes Newcastle. Bus leaving the central coast to go up there and it is $20/head for the bus
Education September is small business month
Free course on at Mingara on the 15th of Sept. for small business
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Craig Giles: Centrum Printing.
www.centrumprinting.com.au
Dean Brown: Woodview Home Loans & Finance
http://www.homeloansandfinance.com.au
Tony Bourke: AIIB Insurance - Director of AIIB
http://www.aiib.com.au
Karen Teunissen: Australian Government Job Placement - CSR
http://www.crsaustralia.gov.au .
Simon Cook: Toshiba and World Pacific Telecommunications
www.toshiba-web.com
Rae Phillips: Inspire Success
http://www.inspire-success.com
Andrew Dunn: BizSav
www.bizsave.com.au
Tarnia Gurney: Gurney Financial Services
www.gurneyfinancialservices.com.au
Planningwerx4U
www.planningwerx4u.com.au
John Mann: JMNetwerx
www.jmnetwerx.com.au
Ted O’Shannessy: Financial Freeway
www.financialfreeway.com.au
Annie Wilson: CResults
www.cresults.com.au
Kate Morris: Joyful Healing & Wellness
www.joyfulhealingandwellness.com.au
Christina Jones: Wiggle & Giggle Music
www.wiggleandgigglemusic.com.au
Lyn Thompson: LBH Promotions
www.lbhpromotions.com.au
Open Discussion on business issues and ideas:
How difficult is it to get new clients
How easy is it to get business from existing clients
Pay as you go insurance – watch out for the clauses as if you go over the amount, you are not covered, also if you have an accident and you pay by the month, you will have to pay the full years premiums.
Watch hidden costs in bills – eg: Telstra
2.5% if you use a credit card
1.% for paying accounts with a credit card
$2.50 over the counter
Mortgages – 98% are being written in the banks. Mortgage brokers can shoop around. Banks use their products only
News - Work Cover have been in touch with me and have asked that we get all our questions together on Work cover and they will come out and answer them.
Please email all questions to tgurney@gurneyfinancialservices.com.au
Planningwerx4U has some business planning CDs on sale for $50 this month, will be $359. If you are interested in purchasing a CD or know some one who might be contact Tarnia on admin@planningwerx4u.com.au
Thank you all for coming along. Feel free to come along next time, bring a friend. Remember this group is for small business owners to help build relationships with other small business owners, and to offer assistance to others if needed.
For those available, please stay around and have a chat or catch up with someone.
Next Meeting:
Wednesday 23rd September 2009 – 10.20 arrival for 10.30 starts.
Thanks
Regards Tarnia
Tuesday, September 1, 2009
Coffee Time Minutes - 26th August 2009
Coffee Time Minutes – 26th August 2009
Welcome:
Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Apologises:
John, Rae, Karen, Mark and April, Deb
Attendees:
Tarnia Gurney, Andrew Durin, Mark McCosker, David Norris, Simon Cook, Jenny Abourizk, Ann Thomas, Natalie Pye, Sue Wells, Craig Giles, Donna Llige, Alan Jones, Dean Brown, Karen Teunissen, Paul Trad
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Craig – Centrum Printing has picked up the contract for printing with Alan Hayes and the village grapevine for the valleys and Wyong area
Christine and Darren Jones - Wiggle n Giggle – are the proud parents of a new Son, 9.5pounds, Name – Jazz at 2.15pm Monday
Update on:
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it. Good networking over a meal.
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August. – Tonight
Education
September is small business month. Free course on at Mingara on the 15th of Sept. for small business
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Natalie Pye: C & N Freight
Storage and distribution of freight on the coast and NSW. Packaging, cold freight.
Sue Wells: First Aid Express Aid
Teach small and large business first aid training. Just won the contract to support the Solomon Islands and train 150 students in Jan 2010, and again in July 2010
Craig Giles: Centrum Printing
Printing company for small and large businesses. Can do large print runs, booklets, postcards, marketing, all printing of brochures and flyers.
Donna Llige: Ultra Print
Digital print and copy, photocopying, pop up banners, graphic design – small and big runs
Ann Thomas: Coffee News
Coffee News is a small flyer that goes to all coffee shops on the coast. You can advertise in there for a small fee. Affordable advertising. Weekly and everyone reads the articles and ads. There is only one category per issue so no competition – (exclusive) goes to all cafes and coffee shops on the coast. Available in Tuggerah, Toukley, Wyong, Terrigal, The Entrance, etc
Alan Jones: Active Assist
Business Coach, helping businesses grow and build their profits. Hornsby to Newcastle. Business owners, sole traders, and companies up to 10 people. Keeping businesses on line. Business Coaching and specialists
Dean Brown: Woodview Home Loans & Finance
Assist individuals and families with home loans.
Tony Bourke: AIIB Insurance - Director of AIIB.
Help for small business get their insurance right. Provide annual health checkups; Business insurance – PI, PL, Workers Comp, protects businesses.
Also – my book “in Service” out now, went to no 1 over night, $2 from every book to go to the cancer council of Australia. See Tony to buy one today.
Karen Teunissen: Australian Government Job Placement - CSR
Assisting people get jobs in the local community. Disability employer, they understand businesses and put people in business – 4 weeks work experience.
Paul Trad: Comtech
IT Computer company, been around for 20 – 25 years. Mainly deal with medical centres. We are the HP service centre for the central coast. 10 staff in Comtech able to assist you.
Simon Cook: Toshiba and World Pacific Telecommunications
Sales Manager for Toshiba – Photocopiers and Multifunction centres. If you want to save money on your phone bill contact Simon. Cheaper rates and better service
Andrew Durin: BizSav
Dedicated to save business money on utilities – electricity, phone, aswell as cars and other products.
Tarnia Gurney: Gurney Financial Services
Assisting Families and Small Business in consolidation of
Superannuation and setting up adequate insurance.
Planningwerx4U
Assisting small business with their business plan and back office
Jenny Abourizk: Job Centre Australia
Assisting businesses with their staffing and assisting job seekers to find employment
Today’s Presentation- Budgeting by Tarnia Gurney of Gurney Financial Services
· In today's tough economic climate, it is more important than ever to budget and establish a savings plan. This is because budgeting is the best way for you to take control of your finances, save money and plan for the future.
· A sound budget and a savings plan will help you achieve your immediate needs and long-term financial security. Few individuals or families know just how they spend their money.
· They know that at the end of their pay period - weekly, fortnightly or monthly - it is all gone. A budget will change this. It is the direct and sensible approach to personal money management.
· Basically, a budget is a financial plan that itemizes an individual's or a family's spending and helps accomplish short-term and long-term goals.
· The ultimate aim of budgeting is to ensure that you can:
o Adequately meet all your financial commitments and
o Have some money left over to save.
· Set a savings goal that is within your reach and will not put a strain on your budget. Even if you begin by saving only a small amount each pay period, this will add up over a year to a respectable amount.
· Everyone will have his or her own savings target. But, as a general rule, we suggest you aim to save 10 per cent of your gross annual income: five per cent for short-term aims and five per cent for longer-term intensions. While this may not be practicable now, it is worth aiming to reach this goal in the future - and sooner rather than later.
· People with young families should aim to build up an emergency fund equal to three months take-home pay in case of retrenchment or emergencies. Remember:
o Your savings will help you through those difficult times and emergencies;
o Savings will free you from day-to-day money worries;
o If you have money saved, you can use it in emergencies instead of credit cards (with their high interest charges);
o By saving, you will establish a financial track record, which will be important when you apply for a loan for a major purpose (house, land or car);
o Your longer-term savings will help you build up income-producing investments for a better, more secure lifestyle;
o By saving and investing responsibly, you will contribute towards Australia's future by helping to create a national savings pool to fund our development and reduce our dependence on foreign capital;
o A dollar saved is a dollar earned
· But you should be realistic about them and become a disciplined shopper (as well as a disciplined budgeter). This will help make your money work better for you. Here are just a few ideas on this important topic:
o Consider buying lower priced "generics" or items of a similar nature to your regular purchases;
o Switch to less expensive versions of goods or services.
o Shop harder for the best possible deals on items you must have;
o Avoid buying items that are of limited value to you or your family;
o Become a comparison shopper: watch the advertisements and be aware that prices vary from day to day on a whole range of goods from furniture to food;
o Watch for genuine sales and specials;
o Deal with shops, which offer good service and will take goods back without argument if they are unsatisfactory.
o Shop for seasonal specials and stock your freezer. But buy in bulk only when you know you can use everything you intend to buy - otherwise you will have to throw a lot of it out. Waste is costly.
o Phase your purchasing of big items like furniture and major electrical goods over three to five years and buy only when you really need and can afford the items;
o Think about buying good second-hand items - check-out auctions and garage sales;
o If you are holding money in a special savings account, you can often use it to pay for an item - and get a discount for cash;
o Buy Australian-made goods in preference to imports - buying Australian helps save jobs and reduces the nation's overseas payments and debt problems.
· But you should be realistic about them and become a disciplined shopper (as well as a disciplined budgeter). This will help make your money work better for you. Here are just a few ideas on this important topic:
o Consider buying lower priced "generics" or items of a similar nature to your regular purchases;
o Switch to less expensive versions of goods or services.
o Shop harder for the best possible deals on items you must have;
o Avoid buying items that are of limited value to you or your family;
o Become a comparison shopper: watch the advertisements and be aware that prices vary
o from day to day on a whole range of goods from furniture to food;
o Watch for genuine sales and specials;
o Deal with shops, which offer good service and will take goods back without argument if they are unsatisfactory.
o Shop for seasonal specials and stock your freezer. But buy in bulk only when you know
· You can use everything you intend to buy - otherwise you will have to throw a lot of it out. Waste is costly.
o Phase your purchasing of big items like furniture and major electrical goods over three to five years and buy only when you really need and can afford the items;
o Think about buying good second-hand items - check-out auctions and garage sales;
o If you are holding money in a special savings account, you can often use it to pay for an item - and get a discount for cash;
o Buy Australian-made goods in preference to imports - buying Australian helps save jobs and reduces the nation's overseas payments and debt problems.
· Try to be as realistic as possible. Do not make the budget so tight and demanding that it will be impossible to achieve your goals. Do not make it too generous - or you will destroy your incentive to budget and save. Be flexible - but disciplined.
· Do not be discouraged if you cannot get your budget to work - try again. Once you have set up a workable budget, you will find that budgeting becomes a habit.
· Today is the best day to begin budgeting.
· There are two main items to consider: your INCOME and your EXPENDITURE.
In the section headed INCOME, list all your incoming money (after tax).
· Expenditure:
o When you begin compiling your expenditure, it will be helpful if you have by you all the receipts from last year's bills that you can find.
o If you do not have these, keep a detailed list of your spending over the next few months. If you see some items that you can cut back on, note them for future attention.
o If you look after your possessions, they will last longer. Money spent on maintenance to extend life of a costly item can be money saved.
o Learn to be a good supermarket shopper. Make up a shopping list - and stick to it. Avoid impulse buying. Once in a while it is OK to buy something you do not really need. But if you let impulse shopping get out of hand it will overload your trolley and destroy your budget.
o When you have completed your Budget, add up all your income and expenditure and subtract the expenditure total from the income total. What is left over is your spare money for the year.
o As this is a yearly figure, you will need to divide this by 52 to bring it down to a weekly figure, by 26 to make it fortnightly or by 12 to make it monthly. This money is yours to spend or to save; we suggest you save it each pay period.
· It is better for you (or your family) to make these decisions, rather than have them taken out of your hands.
Hand outs provided by Tarnia Gurney of Gurney Financial Services. For further copies please contact tgurney@gurneyfinancialservices.com.au
Open forum and discussions on budgeting:
Pregnancy pauses on your mortgage – contact your bank to organise
Retrenchment and tight times – try to save 3 months plus income to cover you and your expenses
Pay your bills weekly, helps you reduce your overall costs
Books to read:
The richest man in babalong – George Classon
Rich Dad Poor Dad – Robert kirisarki
From Red to Black – Tony Melvin
Pay yourself 10%
Save 10%
Earn a passive income
Remember you will be taxed on your savings account
Put money into your mortgage
Pay regular payments to credit cards and personal loans, paying weekly or fortnightly and paying more than the minimum amount
Look at leasing rather than buying a car outright
Look for tax deductions in your business
X & Y generations get info from the internet
Get advice from specialists – accountants, bookkeepers, financial planners, mortgage broker, your bank
Remember to layby rather than buy on your credit card
Planning your finances out, yearly, monthly and weekly will help you manage your expenses
Defaults – banks and Telco’s will and can put defaults on your name after 60 days outstanding accounts. If you need a check up, see Dean and he can organise for a small fee. Or you can go to http://www.vedaadvantage.com.au/ for your credit rating. Cost is about $40 per year and they keep you updated if anyone looks at your records.
Financial defaults – bank
Utilities defaults – Telstra, Optus, gas, electricity.
Craig Giles has a board game call cash flow and is happy for those interested to have a games night. 6 – 8 players required– if interested please contact Craig
News - Work Cover have been in touch with me and have asked that we get all our questions together on Work cover and they will come out and answer them.
Please email all questions to tgurney@gurneyfinancialservices.com.au
Thank you all for coming along. Feel free to come along next time, bring a friend. Remember this group is for small business owners to help build relationships with other small business owners, and to offer assistance to others if needed.
For those available, please stay around and have a chat or catch up with someone.
Next Meeting:
Wednesday 29th September 2009 – 10.20 arrival for 10.30 starts.
Lunch afterward for Deb Rayner – SURPRISE. Cost $12 plus your own drinks
Thanks
Regards Tarnia
Welcome:
Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Apologises:
John, Rae, Karen, Mark and April, Deb
Attendees:
Tarnia Gurney, Andrew Durin, Mark McCosker, David Norris, Simon Cook, Jenny Abourizk, Ann Thomas, Natalie Pye, Sue Wells, Craig Giles, Donna Llige, Alan Jones, Dean Brown, Karen Teunissen, Paul Trad
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Craig – Centrum Printing has picked up the contract for printing with Alan Hayes and the village grapevine for the valleys and Wyong area
Christine and Darren Jones - Wiggle n Giggle – are the proud parents of a new Son, 9.5pounds, Name – Jazz at 2.15pm Monday
Update on:
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it. Good networking over a meal.
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August. – Tonight
Education
September is small business month. Free course on at Mingara on the 15th of Sept. for small business
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Natalie Pye: C & N Freight
Storage and distribution of freight on the coast and NSW. Packaging, cold freight.
Sue Wells: First Aid Express Aid
Teach small and large business first aid training. Just won the contract to support the Solomon Islands and train 150 students in Jan 2010, and again in July 2010
Craig Giles: Centrum Printing
Printing company for small and large businesses. Can do large print runs, booklets, postcards, marketing, all printing of brochures and flyers.
Donna Llige: Ultra Print
Digital print and copy, photocopying, pop up banners, graphic design – small and big runs
Ann Thomas: Coffee News
Coffee News is a small flyer that goes to all coffee shops on the coast. You can advertise in there for a small fee. Affordable advertising. Weekly and everyone reads the articles and ads. There is only one category per issue so no competition – (exclusive) goes to all cafes and coffee shops on the coast. Available in Tuggerah, Toukley, Wyong, Terrigal, The Entrance, etc
Alan Jones: Active Assist
Business Coach, helping businesses grow and build their profits. Hornsby to Newcastle. Business owners, sole traders, and companies up to 10 people. Keeping businesses on line. Business Coaching and specialists
Dean Brown: Woodview Home Loans & Finance
Assist individuals and families with home loans.
Tony Bourke: AIIB Insurance - Director of AIIB.
Help for small business get their insurance right. Provide annual health checkups; Business insurance – PI, PL, Workers Comp, protects businesses.
Also – my book “in Service” out now, went to no 1 over night, $2 from every book to go to the cancer council of Australia. See Tony to buy one today.
Karen Teunissen: Australian Government Job Placement - CSR
Assisting people get jobs in the local community. Disability employer, they understand businesses and put people in business – 4 weeks work experience.
Paul Trad: Comtech
IT Computer company, been around for 20 – 25 years. Mainly deal with medical centres. We are the HP service centre for the central coast. 10 staff in Comtech able to assist you.
Simon Cook: Toshiba and World Pacific Telecommunications
Sales Manager for Toshiba – Photocopiers and Multifunction centres. If you want to save money on your phone bill contact Simon. Cheaper rates and better service
Andrew Durin: BizSav
Dedicated to save business money on utilities – electricity, phone, aswell as cars and other products.
Tarnia Gurney: Gurney Financial Services
Assisting Families and Small Business in consolidation of
Superannuation and setting up adequate insurance.
Planningwerx4U
Assisting small business with their business plan and back office
Jenny Abourizk: Job Centre Australia
Assisting businesses with their staffing and assisting job seekers to find employment
Today’s Presentation- Budgeting by Tarnia Gurney of Gurney Financial Services
· In today's tough economic climate, it is more important than ever to budget and establish a savings plan. This is because budgeting is the best way for you to take control of your finances, save money and plan for the future.
· A sound budget and a savings plan will help you achieve your immediate needs and long-term financial security. Few individuals or families know just how they spend their money.
· They know that at the end of their pay period - weekly, fortnightly or monthly - it is all gone. A budget will change this. It is the direct and sensible approach to personal money management.
· Basically, a budget is a financial plan that itemizes an individual's or a family's spending and helps accomplish short-term and long-term goals.
· The ultimate aim of budgeting is to ensure that you can:
o Adequately meet all your financial commitments and
o Have some money left over to save.
· Set a savings goal that is within your reach and will not put a strain on your budget. Even if you begin by saving only a small amount each pay period, this will add up over a year to a respectable amount.
· Everyone will have his or her own savings target. But, as a general rule, we suggest you aim to save 10 per cent of your gross annual income: five per cent for short-term aims and five per cent for longer-term intensions. While this may not be practicable now, it is worth aiming to reach this goal in the future - and sooner rather than later.
· People with young families should aim to build up an emergency fund equal to three months take-home pay in case of retrenchment or emergencies. Remember:
o Your savings will help you through those difficult times and emergencies;
o Savings will free you from day-to-day money worries;
o If you have money saved, you can use it in emergencies instead of credit cards (with their high interest charges);
o By saving, you will establish a financial track record, which will be important when you apply for a loan for a major purpose (house, land or car);
o Your longer-term savings will help you build up income-producing investments for a better, more secure lifestyle;
o By saving and investing responsibly, you will contribute towards Australia's future by helping to create a national savings pool to fund our development and reduce our dependence on foreign capital;
o A dollar saved is a dollar earned
· But you should be realistic about them and become a disciplined shopper (as well as a disciplined budgeter). This will help make your money work better for you. Here are just a few ideas on this important topic:
o Consider buying lower priced "generics" or items of a similar nature to your regular purchases;
o Switch to less expensive versions of goods or services.
o Shop harder for the best possible deals on items you must have;
o Avoid buying items that are of limited value to you or your family;
o Become a comparison shopper: watch the advertisements and be aware that prices vary from day to day on a whole range of goods from furniture to food;
o Watch for genuine sales and specials;
o Deal with shops, which offer good service and will take goods back without argument if they are unsatisfactory.
o Shop for seasonal specials and stock your freezer. But buy in bulk only when you know you can use everything you intend to buy - otherwise you will have to throw a lot of it out. Waste is costly.
o Phase your purchasing of big items like furniture and major electrical goods over three to five years and buy only when you really need and can afford the items;
o Think about buying good second-hand items - check-out auctions and garage sales;
o If you are holding money in a special savings account, you can often use it to pay for an item - and get a discount for cash;
o Buy Australian-made goods in preference to imports - buying Australian helps save jobs and reduces the nation's overseas payments and debt problems.
· But you should be realistic about them and become a disciplined shopper (as well as a disciplined budgeter). This will help make your money work better for you. Here are just a few ideas on this important topic:
o Consider buying lower priced "generics" or items of a similar nature to your regular purchases;
o Switch to less expensive versions of goods or services.
o Shop harder for the best possible deals on items you must have;
o Avoid buying items that are of limited value to you or your family;
o Become a comparison shopper: watch the advertisements and be aware that prices vary
o from day to day on a whole range of goods from furniture to food;
o Watch for genuine sales and specials;
o Deal with shops, which offer good service and will take goods back without argument if they are unsatisfactory.
o Shop for seasonal specials and stock your freezer. But buy in bulk only when you know
· You can use everything you intend to buy - otherwise you will have to throw a lot of it out. Waste is costly.
o Phase your purchasing of big items like furniture and major electrical goods over three to five years and buy only when you really need and can afford the items;
o Think about buying good second-hand items - check-out auctions and garage sales;
o If you are holding money in a special savings account, you can often use it to pay for an item - and get a discount for cash;
o Buy Australian-made goods in preference to imports - buying Australian helps save jobs and reduces the nation's overseas payments and debt problems.
· Try to be as realistic as possible. Do not make the budget so tight and demanding that it will be impossible to achieve your goals. Do not make it too generous - or you will destroy your incentive to budget and save. Be flexible - but disciplined.
· Do not be discouraged if you cannot get your budget to work - try again. Once you have set up a workable budget, you will find that budgeting becomes a habit.
· Today is the best day to begin budgeting.
· There are two main items to consider: your INCOME and your EXPENDITURE.
In the section headed INCOME, list all your incoming money (after tax).
· Expenditure:
o When you begin compiling your expenditure, it will be helpful if you have by you all the receipts from last year's bills that you can find.
o If you do not have these, keep a detailed list of your spending over the next few months. If you see some items that you can cut back on, note them for future attention.
o If you look after your possessions, they will last longer. Money spent on maintenance to extend life of a costly item can be money saved.
o Learn to be a good supermarket shopper. Make up a shopping list - and stick to it. Avoid impulse buying. Once in a while it is OK to buy something you do not really need. But if you let impulse shopping get out of hand it will overload your trolley and destroy your budget.
o When you have completed your Budget, add up all your income and expenditure and subtract the expenditure total from the income total. What is left over is your spare money for the year.
o As this is a yearly figure, you will need to divide this by 52 to bring it down to a weekly figure, by 26 to make it fortnightly or by 12 to make it monthly. This money is yours to spend or to save; we suggest you save it each pay period.
· It is better for you (or your family) to make these decisions, rather than have them taken out of your hands.
Hand outs provided by Tarnia Gurney of Gurney Financial Services. For further copies please contact tgurney@gurneyfinancialservices.com.au
Open forum and discussions on budgeting:
Pregnancy pauses on your mortgage – contact your bank to organise
Retrenchment and tight times – try to save 3 months plus income to cover you and your expenses
Pay your bills weekly, helps you reduce your overall costs
Books to read:
The richest man in babalong – George Classon
Rich Dad Poor Dad – Robert kirisarki
From Red to Black – Tony Melvin
Pay yourself 10%
Save 10%
Earn a passive income
Remember you will be taxed on your savings account
Put money into your mortgage
Pay regular payments to credit cards and personal loans, paying weekly or fortnightly and paying more than the minimum amount
Look at leasing rather than buying a car outright
Look for tax deductions in your business
X & Y generations get info from the internet
Get advice from specialists – accountants, bookkeepers, financial planners, mortgage broker, your bank
Remember to layby rather than buy on your credit card
Planning your finances out, yearly, monthly and weekly will help you manage your expenses
Defaults – banks and Telco’s will and can put defaults on your name after 60 days outstanding accounts. If you need a check up, see Dean and he can organise for a small fee. Or you can go to http://www.vedaadvantage.com.au/ for your credit rating. Cost is about $40 per year and they keep you updated if anyone looks at your records.
Financial defaults – bank
Utilities defaults – Telstra, Optus, gas, electricity.
Craig Giles has a board game call cash flow and is happy for those interested to have a games night. 6 – 8 players required– if interested please contact Craig
News - Work Cover have been in touch with me and have asked that we get all our questions together on Work cover and they will come out and answer them.
Please email all questions to tgurney@gurneyfinancialservices.com.au
Thank you all for coming along. Feel free to come along next time, bring a friend. Remember this group is for small business owners to help build relationships with other small business owners, and to offer assistance to others if needed.
For those available, please stay around and have a chat or catch up with someone.
Next Meeting:
Wednesday 29th September 2009 – 10.20 arrival for 10.30 starts.
Lunch afterward for Deb Rayner – SURPRISE. Cost $12 plus your own drinks
Thanks
Regards Tarnia
Friday, August 21, 2009
Agenda - 26.8.09
Agenda – Coffee Time – 26th August 2009
Open: Welcome
Apologises:
Who we are? What is coffee time? When & Where? Tuggerah’s Zenith Centre. At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.20 am for 10.30 am start. (Runs for about 1 hour)
Golden Rules - Can we show each other respect by only person to speak at a time. And hold all conversations, recommendations, till the end.
Update on:
SWNG Workshop in Sydney last fortnight was great. Next one is 23rd of September. If any one would like to come along, let me know and we can car pool.
Wyong Chamber of Commerce Annual renewals are due now. Good for networking
SWNG - I spoke to about 20 ladies at their luncheon on the 13th August about budgeting and finance. Went well, though very nervous, more practice and I will be a natural.
Women’s Boot camp – August 14/15/16– was held in Hurlestone Park. I spoke to about 70 women and men about business planning. It went well. They may be taking it around Australia and asked if I would like to come too.
Networking:
Tonight - B2B Function – Ourimbah Campus – 26th August. Should be another great night.
NSW Business Chamber and DSRD have a networking night on at Kooindah Waters on the 1st of September, 5.30 – 7.30 – cost is $50
Education:
September is Small business month and the DSRD is having a free business seminar for small business owners on the 15th at Mingara. You can find out what assistance you can get for your business.
Wins:
Has anyone any wins
Who are you?
Each person to say hi and who they are, what they do – 30 second spill
Presentations:
Tarnia Budgeting and Finance. Open discussion.
Items of Discussion:
Round table open discussion – but one at a time.
Open: Welcome
Apologises:
Who we are? What is coffee time? When & Where? Tuggerah’s Zenith Centre. At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.20 am for 10.30 am start. (Runs for about 1 hour)
Golden Rules - Can we show each other respect by only person to speak at a time. And hold all conversations, recommendations, till the end.
Update on:
SWNG Workshop in Sydney last fortnight was great. Next one is 23rd of September. If any one would like to come along, let me know and we can car pool.
Wyong Chamber of Commerce Annual renewals are due now. Good for networking
SWNG - I spoke to about 20 ladies at their luncheon on the 13th August about budgeting and finance. Went well, though very nervous, more practice and I will be a natural.
Women’s Boot camp – August 14/15/16– was held in Hurlestone Park. I spoke to about 70 women and men about business planning. It went well. They may be taking it around Australia and asked if I would like to come too.
Networking:
Tonight - B2B Function – Ourimbah Campus – 26th August. Should be another great night.
NSW Business Chamber and DSRD have a networking night on at Kooindah Waters on the 1st of September, 5.30 – 7.30 – cost is $50
Education:
September is Small business month and the DSRD is having a free business seminar for small business owners on the 15th at Mingara. You can find out what assistance you can get for your business.
Wins:
Has anyone any wins
Who are you?
Each person to say hi and who they are, what they do – 30 second spill
Presentations:
Tarnia Budgeting and Finance. Open discussion.
Items of Discussion:
Round table open discussion – but one at a time.
Minutes for Coffee Time - 12th August 2009
Coffee Time Minutes – 12th August 2009
Welcome: Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Apologises:
John, Tony, Karen, Mark and April, Deb
Attendees:
Tarnia Gurney, Ted O’Shannessy, Christine Jones, Andrew Durin, Karen Teunissen, Mark McCosker, David Norris, Simon Cook, Jenny Abourizk, Kate Morris, Ann Thomas, Rae Phillips, Craig & Natalie,
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Mark – Work out World is reopening in the centre
Ann – Business picking up
Dean – at the gym 3 days a week feeling great
Julia – daughter at Uni, going well
Toni – Reece (son) has been chosen to participate in the Central Coast Sports Academy for Golf – he is 14yr
Tarnia – employed a part time assistant, Michelle. Thanks to Jenny at Job Centre Australia
Kate – has organised $20,000 of donations and sponsorship for the Girls Night in - Breast Cancer fund raiser. In October, $55/person.
David - has 2, one of his clients received the top person in the industry for real estate, and one client went on a holiday and his business was still there on his return – first one in many years.
Mark – got his 17 yr old son work experience with schools support at a local mechanic shop.
Update on:
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it. Good networking over a meal.
Women’s Boot camp – August 14/15/16– to be held in Sydney. See Tarnia for more information. I will be presenting to up to 500 women on business planning.
Sydney Women’s Network – Membership if you would like to be a member of this group, please contact Tarnia and she will give you the details to join.
Sydney Women’s Network – Luncheon at Wallarah Bay on the 13th of August. I am presenting on budgeting and managing your finances.
Sydney Women’s Network – Expo on at Castle Hill. 19th August.
If you would like to come along please let me know and we can organise something
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August.
Education
BEC has a small business course on for business owners next week. See Kim, Deb or Lynne for further info
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Tarnia Gurney:
Gurney Financial Services
Assisting Families and Small Business in consolidation of
Superannuation and setting up adequate insurance.
Planningwerx4U
Assisting small business with their business plan and back office
Ted:
Send Out Cards – customer care program
Distribution and Networking business – greeting cards
Select your card, type your message, click, they print, pack and post it. Teaching others how to be come senders of cards. Marketing online
BDM for finance company
Christine Jones:
Wiggle n Giggle
Teacher of music 0 – 5 yrs, Primary school teaching of music and vocational care
Music classes for children and pre natal as well, teach the parents to bond through music in the womb. And a birth coach.
Jenny Abourizk:
Job Centre Australia
Assisting businesses with their staffing and assisting job seekers to find employment
Angela Anthony:
Angela Anthony Solicitor
Assisting in family matters, wills and power of attorneys, guardianships, and conveyancing
Kate Morris:
Joyful Healing and Wellness
Moving business home, working casual for a local business.
Empassion health care – body products for you.
Simon Cook:
Toshiba and World Pacific Telecommunications
Sales Manager for Toshiba – Photocopiers and Multifunction centres. If you want to save money on your phone bill contact Simon. Cheaper rates and better service
Mark McCrosker:
Supa Centre – Tuggerah
Picking up, people looking at leases. 15 leases signed and looks good for Christmas
Andrew Durin:
BizSav
Dedicated to save business money on utilities – electricity, phone, aswell as cars and other products.
Craig:
C & N Freight
Storage and distribution of freight on the coast and NSW.
David Norris:
Active Assist
Hornsby to Newcastle. Business owners, sole traders, and companies up to 10 people. Keeping businesses on line. Business Coaching and specialists
Rae Phillips:
Inspire Success
Human Resources – building relationships with staff, and building productivity. Assisting business to solve people problems. Now have some CD for sale with templates, forms, and policies on them.
Dean Brown:
Woodview Home Loans & Finance
Assist individuals and families with home loans.
Market slowing down a bit with First home buyers (FHB)
Ann Thomas:
Coffee News
Coffee News is a small flyer that goes to all coffee shops on the coast. You can advertise in there for a small fee. Affordable advertising. Weekly and everyone reads the articles and ads. One occupation per issue so no competition – (exclusive) Goes to all cafes and coffee shops on the coast. Available in Tuggerah, Toukley, Wyong, Terrigal, The Entrance, etc.
Toni Oliver:
Toni Oliver Conveyancing
Licensed mobile conveyancer, specialising in individual matters with buyers and sellers of property – from first home buyers up.
Julia Marr:
Nova Skill
Recruit and train apprenticeships
Offer advice and free training for up skilling Australians
Dept of Education are offering small business management courses for business owners. Contact Julia if interested
Presentations:
Welcome: Good Morning to you all and thanks for coming along.
Who we are:
Coffee Time is a group where you can meet others in business and build relationships. We meet on the 2nd and 4th Wednesday of the month. Here at the Zenith Centre.
Apologises:
John, Tony, Karen, Mark and April, Deb
Attendees:
Tarnia Gurney, Ted O’Shannessy, Christine Jones, Andrew Durin, Karen Teunissen, Mark McCosker, David Norris, Simon Cook, Jenny Abourizk, Kate Morris, Ann Thomas, Rae Phillips, Craig & Natalie,
Golden Rules
Can we show each other respect by only person to speak at a time. And hold all
Conversations, recommendations, till the end.
Wins:
Mark – Work out World is reopening in the centre
Ann – Business picking up
Dean – at the gym 3 days a week feeling great
Julia – daughter at Uni, going well
Toni – Reece (son) has been chosen to participate in the Central Coast Sports Academy for Golf – he is 14yr
Tarnia – employed a part time assistant, Michelle. Thanks to Jenny at Job Centre Australia
Kate – has organised $20,000 of donations and sponsorship for the Girls Night in - Breast Cancer fund raiser. In October, $55/person.
David - has 2, one of his clients received the top person in the industry for real estate, and one client went on a holiday and his business was still there on his return – first one in many years.
Mark – got his 17 yr old son work experience with schools support at a local mechanic shop.
Update on:
Wyong Chamber of Commerce has its memberships due. If not part of this group, have a think about it. Good networking over a meal.
Women’s Boot camp – August 14/15/16– to be held in Sydney. See Tarnia for more information. I will be presenting to up to 500 women on business planning.
Sydney Women’s Network – Membership if you would like to be a member of this group, please contact Tarnia and she will give you the details to join.
Sydney Women’s Network – Luncheon at Wallarah Bay on the 13th of August. I am presenting on budgeting and managing your finances.
Sydney Women’s Network – Expo on at Castle Hill. 19th August.
If you would like to come along please let me know and we can organise something
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August.
Education
BEC has a small business course on for business owners next week. See Kim, Deb or Lynne for further info
Introduce yourself:
Each person to say hi and who they are, what they do – 30 second spill.
Tarnia Gurney:
Gurney Financial Services
Assisting Families and Small Business in consolidation of
Superannuation and setting up adequate insurance.
Planningwerx4U
Assisting small business with their business plan and back office
Ted:
Send Out Cards – customer care program
Distribution and Networking business – greeting cards
Select your card, type your message, click, they print, pack and post it. Teaching others how to be come senders of cards. Marketing online
BDM for finance company
Christine Jones:
Wiggle n Giggle
Teacher of music 0 – 5 yrs, Primary school teaching of music and vocational care
Music classes for children and pre natal as well, teach the parents to bond through music in the womb. And a birth coach.
Jenny Abourizk:
Job Centre Australia
Assisting businesses with their staffing and assisting job seekers to find employment
Angela Anthony:
Angela Anthony Solicitor
Assisting in family matters, wills and power of attorneys, guardianships, and conveyancing
Kate Morris:
Joyful Healing and Wellness
Moving business home, working casual for a local business.
Empassion health care – body products for you.
Simon Cook:
Toshiba and World Pacific Telecommunications
Sales Manager for Toshiba – Photocopiers and Multifunction centres. If you want to save money on your phone bill contact Simon. Cheaper rates and better service
Mark McCrosker:
Supa Centre – Tuggerah
Picking up, people looking at leases. 15 leases signed and looks good for Christmas
Andrew Durin:
BizSav
Dedicated to save business money on utilities – electricity, phone, aswell as cars and other products.
Craig:
C & N Freight
Storage and distribution of freight on the coast and NSW.
David Norris:
Active Assist
Hornsby to Newcastle. Business owners, sole traders, and companies up to 10 people. Keeping businesses on line. Business Coaching and specialists
Rae Phillips:
Inspire Success
Human Resources – building relationships with staff, and building productivity. Assisting business to solve people problems. Now have some CD for sale with templates, forms, and policies on them.
Dean Brown:
Woodview Home Loans & Finance
Assist individuals and families with home loans.
Market slowing down a bit with First home buyers (FHB)
Ann Thomas:
Coffee News
Coffee News is a small flyer that goes to all coffee shops on the coast. You can advertise in there for a small fee. Affordable advertising. Weekly and everyone reads the articles and ads. One occupation per issue so no competition – (exclusive) Goes to all cafes and coffee shops on the coast. Available in Tuggerah, Toukley, Wyong, Terrigal, The Entrance, etc.
Toni Oliver:
Toni Oliver Conveyancing
Licensed mobile conveyancer, specialising in individual matters with buyers and sellers of property – from first home buyers up.
Julia Marr:
Nova Skill
Recruit and train apprenticeships
Offer advice and free training for up skilling Australians
Dept of Education are offering small business management courses for business owners. Contact Julia if interested
Presentations:
David Norris – Active Assist
What is business Success?
· Profit
· Lifestyle
· Vision
· Reaching goals set
Success is?
· Achieving goals you set
· Achieving profits you want
Micro businesses find things harder than big corporations.
The difference is big business:
- Are more profitable
- Have clarity
- They know their products, services, marketing, processes, roles, measures, brands and everything has a system
For Micro Businesses to succeed, they too have to plan and prepare like the big corps. Micros need to build a plan, create a structure and have processes in place.
Micro need:
- to have focus,
- direction
- goals
- plan
- measure results
- prioritise where you are going
- Energy
- Keen
- Innovation
- Motivation
Micro Businesses need to ask themselves – am I satisfying my business owner.
Tarnia shared some stats about business planning.
• There was a study complete at Harvard Business School. The study was done over a twenty-five year period with 1,600 businesses. These were the results:
– 70% of the businesses in the study had no written or verbal plan
– 27% of the businesses in the study had verbal plans/goals only
– 3% of the businesses in the study had them written down
– 98% of the wealth was held by those 3% of the businesses in the study
Thanks David.
News - Work Cover have been in touch with me and have asked that we get all our questions together on Work cover and they will come out and answer them.
Please email all questions to tgurney@gurneyfinancialservices.com.au
Thank you all for coming along. Feel free to come along next time, bring a friend. Remember this group is for small business owners to help build relationships with other small business owners, and to offer assistance to others if needed.
For those available, please stay around and have a chat or catch up with someone.
Next Meeting:
Wednesday 26th August 2009 – 10.20 arrival for 10.30 starts.
Regards Tarnia
Monday, August 10, 2009
Agenda - 12/8/09
Open: Welcome
Apologises: Tony Bourke, Karen Teunissen, John Mann
Who we are? What is coffee time? When & Where? Tuggerah’s Zenith Centre. At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.20 am for 10.30 am start. (Runs for about 1 hour)
Golden Rules : Can we show each other respect by only person to speak at a time. And hold all conversations, recommendations, till the end.
Update on:
SWNG Workshop in Sydney last fortnight was great. Next one is 23rd of September. If any one would like to come along, let me know and we can car pool
SWNG Business Expo – Castle Hill on the 19th of August. If you are interested in Car Pooling with me, let me know. Leaving the coast at 3.00pm returning about 9.30
The next B2B book is in the pile line – if you would like to advertise please contact Lyn or Suzy. Competitive Pricing. And great opportunity for small business to get your name out there. Personally I have picked up 8 clients from the B2B book and networking nights over the last 12 months.
BEC organised for the Small Business Minister to come up. They came up last week and met with some of the coasts business owners. Many questions were asked about support for small business – the minister expressed that small business owners have until December 09 to take up the offer of 50% investment Incentive, which is for plant, vehicle and equipment; as well as the ATO putting in place assistance for Small business taxation. For further information please refer to www.ato.com.au
Wyong Chamber of Commerce annual renewals are due now. Good network of people.
Networking:
Women’s Boot camp – August 14/15/16– to be held in Sydney. See Tarnia for more information. I will be presenting to up to women on business planning.
Sydney Women’s Network – Luncheon at Wallarah Bay on the 13th of August. I am presenting on budgeting and managing your finances.
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August. Let Lyn know if you are coming along. Should be another great night.
NSW Business Chamber and DSRD have a networking night on at Kooindah Waters on the 1st of September, 5.30 – 7.30 – cost is $50
Education:
September is Small business month and the DSRD is having a free business seminar for small business owners on the 15th at Mingara. You can find out what assistance you can get for your business.
Wins: Has anyone any wins
Who are you? Each person to say hi and who they are, what they do – 30 second spill
Presentations:
Mark Izzard – Security
David Norris – Business Planning
Items of Discussion:Round table open discussion – but one at a time
Apologises: Tony Bourke, Karen Teunissen, John Mann
Who we are? What is coffee time? When & Where? Tuggerah’s Zenith Centre. At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.20 am for 10.30 am start. (Runs for about 1 hour)
Golden Rules : Can we show each other respect by only person to speak at a time. And hold all conversations, recommendations, till the end.
Update on:
SWNG Workshop in Sydney last fortnight was great. Next one is 23rd of September. If any one would like to come along, let me know and we can car pool
SWNG Business Expo – Castle Hill on the 19th of August. If you are interested in Car Pooling with me, let me know. Leaving the coast at 3.00pm returning about 9.30
The next B2B book is in the pile line – if you would like to advertise please contact Lyn or Suzy. Competitive Pricing. And great opportunity for small business to get your name out there. Personally I have picked up 8 clients from the B2B book and networking nights over the last 12 months.
BEC organised for the Small Business Minister to come up. They came up last week and met with some of the coasts business owners. Many questions were asked about support for small business – the minister expressed that small business owners have until December 09 to take up the offer of 50% investment Incentive, which is for plant, vehicle and equipment; as well as the ATO putting in place assistance for Small business taxation. For further information please refer to www.ato.com.au
Wyong Chamber of Commerce annual renewals are due now. Good network of people.
Networking:
Women’s Boot camp – August 14/15/16– to be held in Sydney. See Tarnia for more information. I will be presenting to up to women on business planning.
Sydney Women’s Network – Luncheon at Wallarah Bay on the 13th of August. I am presenting on budgeting and managing your finances.
Wyong Chamber of Commerce – Annual General Meeting and Dinner at the Wyong Race Club – 25th of August
B2B Function – Ourimbah Campus – 26th August. Let Lyn know if you are coming along. Should be another great night.
NSW Business Chamber and DSRD have a networking night on at Kooindah Waters on the 1st of September, 5.30 – 7.30 – cost is $50
Education:
September is Small business month and the DSRD is having a free business seminar for small business owners on the 15th at Mingara. You can find out what assistance you can get for your business.
Wins: Has anyone any wins
Who are you? Each person to say hi and who they are, what they do – 30 second spill
Presentations:
Mark Izzard – Security
David Norris – Business Planning
Items of Discussion:Round table open discussion – but one at a time
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