Coffee Time – 10th March 2010
Welcome
Welcome to our new visitors.
Apologises
Dean, John, Tony, Sue, Karen
Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.
What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.
Where?
Tuggerah’s Zenith Centre.
When?
At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)
Raffle?
The raffle is going around. This will go together with today’s collection to the Iris Foundation. So far this year we have raised $141.
Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.
Update:
Steel Magnolias Luncheon – 250 people at Iguana Joes. It was a lovely day.
Youth Connections are looking for employers to have placements for teenagers to do their work experience. If you are interested in having a student come out to your work for a week. Let me know and I will put you in touch with Sandra. Looking for support for May, June, August, October and November.
Expos/Events:
· B2B Festival – Buy Local – Wyong Race Club, 13th May
· May 2010 – Home and Small Business Month
· CCWN Business Expo Extravaganza – Mingara 23rd June
Up Coming Networking:
· Coffee Times 24th March
· Tonight - 10th of March B2B in Newcastle – Maritime Centre – if going along, ring and book in this morning
Education:
BEC courses evening courses (6 – 9pm)
· 10th Mar – Sales and Marketing – Part b
· 16TH Mar – Business Planning Part A
· 23rd Mar – Business Planning Part B
Wins:
Toni – learnt a new technique for helping people, and has picked up some new clients
Simon – business is going well
Iris Foundation – 4th Birthday coming up. Big prizes donated
Rae – has some new staff
Who are you & what do you do: 30 Sec story about you
Tarnia Gurney:
Gurney Financial Services
www.gurneyfinancialservices.com.au
Planningwerx4U
www.planningwerx4u.com.au
John Dosanjh:
Coast Consulting
www.cconsulting.com.au
Natalie Pye:
C & N Freight
www.cnfreight.com
Cheryl Greenwald:
Marriage Celebrant
Email - cellie001@gmail.com
Bev & Dawn:
Iris Foundation
admin@irisfoundation.org.au
Rae Phillips:
Inspire Success
www.inspiresuccess.com.au
Angela Anthony:
Angela Anthony Solicitors
www.angelaanthony.com.au
Simon Cook:
Toshiba and World Pacific Telecommunications
www.toshiba-web.com
Maria:
Herbalist
Anthony Green:
Psoriasis & Skin Clinic
www.psoriasis.com.au
Toni Fountain:
Insight Health – Chiropractor
Website still being built - toni_fountain@rslcom.net.au
Natalie Rodriquez:
Unique Photography
www.uniquephotography.com.au
Brian Maggs:
Management Assistance Australia
Website still to be built – bmaggs@maagroup.com.au
Brija Mira:
Sarah Bevan Family Lawyers
www.sbfamilylawyers.com.au
Toni Oliver:
Toni Oliver Conveyancing
www.tonioliverconveyancing.com.au
Ted O’Shannessy:
Financial Freeway
www.financialfreeway.com.au
Presentation:
Today’s presentation is from Angela Anthony from Angela Anthony Solicitors’ on Estate Planning.
Estate planning is the process of planning for after death.
Planning of your estates future
Will - where your affairs go
Power of Attorney – Act on your decisions
Guardianship – act for you medically
Wills – are where you put can request certain items to go to family.
Need to review your will and estate, especially if blended families, divorced, second and third marriages and children – including adopted, step and half siblings.
If you have a business – you need to state what is to happen
Understand and know of anyone you may think they can challenge your estate
Executor – some one who distributes your estate – make sure it is someone you can trust
Make decisions sooner than later. When older health and mental status can change or decline
Testamentary Trusts – for children so that funds can be managed for them – whether under 18, disabled, addictions, etc.
Wills are set and forget
Change your will when getting married, having children, divorce.
Make sure the right funds go to the right people
Update your beneficiaries on your bank accounts, Superannuation and insurance policies.
If you have no will, the husbands estate passes to the wife
If both pass and no will, then you die “instate” and then the government steps in and sets an executor who will distribute the estate.
Involve your financial planner, and accountant
Discuss with your family
Make sure you do binding nominations with your superannuation and update every 3 years.
Open Discussion on Estate Planning
Hand out from Tarnia of Gurney Financial Services
It is time to get your estate planning in order! Have a look at this checklist, and if you have any questions please contact us.
The 10 Second Insurance Checklist!
1. Does your income protection policy still reflect the income you are currently earning?
2. Will your house insurance pay you enough to rebuild your house?
3. Will your life insurance pay off all your debts and be able to support your dependants if you are no longer around?
4. Has your car been modified in any way?
5. Have you recently installed security devices or extra locking systems on your home that could reduce your premium?
6. Have you changed jobs and not informed your insurance adviser that your new occupation is less risk or no more manual work. These changes could reduce your premiums?
7. Assignment of a personally owned insurance policy into a DIY super fund is not allowed, this ‘in specie’ transfer could render your fund ‘non complying’
8. If you have given up smoking for more than 12 months you could change your policies to non-smoking status and save substantial premiums.
More information on Estate Planning please contact Angela Anthony Solicitors or Tarnia from Gurney Financial Services
Estate Planning
Estate Planning is about making sure your family is provided for and that your assets go where you want them to after you die. If you pass away without a Will your assets will be allocated as per the current legislation, this may not be in line with your wishes.
A good estate plan will:
Ensure that the ownership and control of your assets pass to your intended beneficiaries in the correct proportions;
Minimize tax being imposed on the income and capital gains earned on those assets;
Protect those assets should a beneficiary be involved in any legal difficulties, for example, bankruptcy or divorce.
Essentially, a good estate plan can provide you with peace of mind and minimize potential complications for your beneficiaries.
Firstly, have you accumulated sufficient assets to provide for your family and pay off any debts in the event of your death? If you determine there is a short fall, your financial planner will be able to suggest some ways for you to make up the shortfall.
Consider your estate planning needs, have you thought about who will inherit your assets, which assets they’ll inherit and in what proportions?
If you are injured and unable to control your investments, have you chosen someone to manage your affairs for you whilst you are recuperating? This is known as an Enduring Power of Attorney. It gives another person the legal power to act on someone’s behalf in relation to their financial affairs.
You should review your estate planning needs on a regular basis, and particularly when an important event occurs, such as:
Retirement
Marriage
Divorce
The birth of a child
Death of a relative you have provided for
Commencement of change of employment
Each of these events can be a life changing experience for you and your family and should trigger a consideration of your estate planning needs and objectives. At any stage of your life, estate planning is important and it should be considered and reviewed regularly. Estate planning is an important part of your overall financial plan and it shouldn’t be left until it is too late.
The advice contained herein does not take into account any persons particular objectives, needs or financial situation. Before making a decision regarding the acquisition or disposal of a Financial Product persons should assess whether the advice is appropriate to their objectives, needs or financial situation. Persons may wish to make this assessment themselves or seek the help of an adviser. No responsibility is taken for persons acting on the information provided. Persons doing so, do so at their own risk. Before acquiring a financial product a person should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product
For more information or any questions – please contact Angela or your solicitor
Raffle Drawn:
Prize donated from: Tarnia Gurney
Amount collected this fortnight: $51
Today’s Winner – Angela Anthony
That is a total of $192 to be donated to the Iris Foundation this quarter. One more collection.
Thank you for coming along today. Feel free to network with your peers.
Our Next Meeting is on the 24th March. We will start at 10.30am sharp.
Our Next Presentation will be by Peter on Back ups and saving data.
Saturday, March 20, 2010
Thursday, February 25, 2010
Coffee Time Minutes - 24th February 2010
Coffee Time – 24th February 2010
Welcome
Welcome to our new visitors.
Apologises
Dean, John, Tony, Sue, Karen
Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.
What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.
Where?
Tuggerah’s Zenith Centre.
When?
At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)
Raffle?
The raffle is going around. This will go together with today’s collection to the Iris Foundation. So far this year we have raised $105.00
Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.
Update:
B2B with a twist was at Villa Sorgenti last week. 250 business people went along, with lots of new people. BEC and NSW Chamber of Commerce Managers crushed grapes. Lots of fun, some great food, launch of the B2B Business Festival.
Central Coast Women’s Network Luncheon was on at Mingara last week. 35 ladies attended and probably 30 who hadn’t been. It was a nice luncheon with Laura from Nutrizone speaking to us all about hormones.
Last night was the Wyong Chamber of Commerce – 114 people went along. Good night, speaker included Glen Kirkwood – re Networking and Central Coast Bears” CEO – Mr Greg Florimo & Mr David Fairleigh
Expos/Events:
· B2B Festival – Buy Local – Wyong Race Club, 13th May
· May 2010 – Home and Small Business Month
· CCWN Business Expo Extravaganza – Mingara 23rd June
Up Coming Networking:
· Coffee Times 24th Feb and 10th & 24th March
· International Women’s Day – CCWN is supporting the Day on the Central Coast at Iguana Joes on 5th Mar.
· 10th of March B2B in Newcastle – Maritime Centre
Education:
BEC courses evening courses (6 – 9pm)
· 24th Feb – Operating a business from home
· 2nd Mar – Sales and Marketing – Part A
· 10th Mar – Sales and Marketing – Part b
· 16TH Mar – Business Planning Part A
· 23rd Mar – Business Planning Part B
Wins:
Tarnia (Gurney Financial Services) – picked up 5 new clients
Tarnia (Planningwerx4u) – picked up a 10hr/week contract with a local manufacturing company to sort out their business, do their marketing and planning, office management.
Ted – www.photo5o5.com – found this great site for you
Ted – Presented Send out Cards to an Australian Charity
Jenny - Meet at Georges – 3 weeks in and business picking up. Repeat business. Local Butcher
Lyn – Buy Local Festival picked up 76 exhibitioners and 22 sponsors in the first 4 days of the launch.
Mandy – negotiated exhibition space for an artist
Mandy – has been appointed an administrator for NSW Central Coast Face Book Group
Chris – Got a testimonial from a new client “expediential”
Needs:
Ted has a person looking for some part time or casual work. If you know of anyone, please contact Ted. Thanks
Who are you & what do you do: 30 Sec story about you
Tarnia Gurney: Gurney Financial Services
www.gurneyfinancialservices.com.au
Planningwerx4U
www.planningwerx4u.com.au
Natalie Pye: C & N Freight.
www.cnfreight.com
Megan Roberts: Bell Bird Web Solutions
www.bellbirdwebsolutions.com.au
Ted O’Shannessy: Financial Freeway
www.financialfreeway.com.au
Sandra Boyd: Kani Consultants
Website still being built -sandi.kani@gmail.com
Toni Fountain: Insight Health – Chiropractor
Website still being built - toni_fountain@rslcom.net.au
Brian Maggs: Management Assistance Australia
Website still to be built – bmaggs@maagroup.com.au
Brian Plush: Management Assistance Australia
Website still to be built – brian.plush@bigpond.com
Jenny Abourizk: Job Centre Australia
www.jobcentreaustralia.com.au
Lyn Thompson: LBH Promotions
www.lbhpromotions.com.au
B2B
www.b2b.com.au
Toni Oliver: Toni Oliver Conveyancing
www.tonioliverconveyancing.com.au
Kathy Bree: Coffee News Central Coast
www.coffeenewscc.com.au
Heather Nilsen: Perfect Blooms
www.perfectblooms.com.au
Hugh Bowman: Bowman Coastwide Bookkeeping
Email – hugh.bowman@iinet.net.au
Moria Bayliss: Herbalist
Natalie Rodriquez: Unique Photography
www.uniquephotography.com.au
Mandy Apsey–Jones: Art like no other
Contact – mandy_loveslife@hotmail.com
Christopher Eather: Bunnys Computer Repairs & Builds
Contact – chris.eather@gmail.com
Presentations:
Today’s presentation is from Hugh Bowman from Bowman Bookkeeping on Cash Flow in your business.
Money Bucket
· Money comes in
· We have little go out in expenses
· Then we have unexpected bills come out
· Looking at your cashflow you need to plan.
· Invoicing problems – many business owners don’t follow up on their outstanding accounts. Ask for money.
· Change your payment terms to 7 days.
· On day 8 - call and see if they have received the invoice if so can they pay
· On day 14 – if not paid, send a reminder
· On day 28 – if not paid, send a reminder
· Discuss your terms up front for payments with clients.
· If charging a late fee or interest you need to charge up front.
· Always go through to the person who has control of the accounts and payments, speak to them
· Pull all your invoicing in.
· Control your clients and supplier payments
· Reduce outgoings
· Idea – if not comfortable ringing people for outstanding accounts, then have someone ring for you and follow up the debts
· Important to have a cashflow budget – look to 3 months of budgeting
· Know what your income due is what your outgoing expenditure
· Know when your payments are due, if cannot pay on time, organise a payment plan with the business
· Watch your spending. Especially if you have a monthly account. Don’t order in the final few days if cash flow is tight.
· If you owe the ATO, call them and discus your options for payments. If you need help ask them. But make regular payments and stick to the plan
· Registering for GST – watch out for the compliance
· Leasing vehicles –
o Chattel mortgage – tax advantage up front on GST
o Leasing with a residual – claim each month
Look at what you can afford.
For more information or any questions – please contact Hugh
Raffle Drawn:
Prize donated from: Tarnia Gurney
Amount collected this fortnight: $36
Today’s Winner – Mandy
That is a total of $141 to be donated to the Iris Foundation this quarter.
Thank you for coming along today. Feel free to network with your peers.
Our Next Meeting is on the 10th March. We will start at 10.30am sharp.
Our Next Presentation will be by Angela Anthony on Estate Planning.
Welcome
Welcome to our new visitors.
Apologises
Dean, John, Tony, Sue, Karen
Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.
What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.
Where?
Tuggerah’s Zenith Centre.
When?
At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)
Raffle?
The raffle is going around. This will go together with today’s collection to the Iris Foundation. So far this year we have raised $105.00
Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.
Update:
B2B with a twist was at Villa Sorgenti last week. 250 business people went along, with lots of new people. BEC and NSW Chamber of Commerce Managers crushed grapes. Lots of fun, some great food, launch of the B2B Business Festival.
Central Coast Women’s Network Luncheon was on at Mingara last week. 35 ladies attended and probably 30 who hadn’t been. It was a nice luncheon with Laura from Nutrizone speaking to us all about hormones.
Last night was the Wyong Chamber of Commerce – 114 people went along. Good night, speaker included Glen Kirkwood – re Networking and Central Coast Bears” CEO – Mr Greg Florimo & Mr David Fairleigh
Expos/Events:
· B2B Festival – Buy Local – Wyong Race Club, 13th May
· May 2010 – Home and Small Business Month
· CCWN Business Expo Extravaganza – Mingara 23rd June
Up Coming Networking:
· Coffee Times 24th Feb and 10th & 24th March
· International Women’s Day – CCWN is supporting the Day on the Central Coast at Iguana Joes on 5th Mar.
· 10th of March B2B in Newcastle – Maritime Centre
Education:
BEC courses evening courses (6 – 9pm)
· 24th Feb – Operating a business from home
· 2nd Mar – Sales and Marketing – Part A
· 10th Mar – Sales and Marketing – Part b
· 16TH Mar – Business Planning Part A
· 23rd Mar – Business Planning Part B
Wins:
Tarnia (Gurney Financial Services) – picked up 5 new clients
Tarnia (Planningwerx4u) – picked up a 10hr/week contract with a local manufacturing company to sort out their business, do their marketing and planning, office management.
Ted – www.photo5o5.com – found this great site for you
Ted – Presented Send out Cards to an Australian Charity
Jenny - Meet at Georges – 3 weeks in and business picking up. Repeat business. Local Butcher
Lyn – Buy Local Festival picked up 76 exhibitioners and 22 sponsors in the first 4 days of the launch.
Mandy – negotiated exhibition space for an artist
Mandy – has been appointed an administrator for NSW Central Coast Face Book Group
Chris – Got a testimonial from a new client “expediential”
Needs:
Ted has a person looking for some part time or casual work. If you know of anyone, please contact Ted. Thanks
Who are you & what do you do: 30 Sec story about you
Tarnia Gurney: Gurney Financial Services
www.gurneyfinancialservices.com.au
Planningwerx4U
www.planningwerx4u.com.au
Natalie Pye: C & N Freight.
www.cnfreight.com
Megan Roberts: Bell Bird Web Solutions
www.bellbirdwebsolutions.com.au
Ted O’Shannessy: Financial Freeway
www.financialfreeway.com.au
Sandra Boyd: Kani Consultants
Website still being built -sandi.kani@gmail.com
Toni Fountain: Insight Health – Chiropractor
Website still being built - toni_fountain@rslcom.net.au
Brian Maggs: Management Assistance Australia
Website still to be built – bmaggs@maagroup.com.au
Brian Plush: Management Assistance Australia
Website still to be built – brian.plush@bigpond.com
Jenny Abourizk: Job Centre Australia
www.jobcentreaustralia.com.au
Lyn Thompson: LBH Promotions
www.lbhpromotions.com.au
B2B
www.b2b.com.au
Toni Oliver: Toni Oliver Conveyancing
www.tonioliverconveyancing.com.au
Kathy Bree: Coffee News Central Coast
www.coffeenewscc.com.au
Heather Nilsen: Perfect Blooms
www.perfectblooms.com.au
Hugh Bowman: Bowman Coastwide Bookkeeping
Email – hugh.bowman@iinet.net.au
Moria Bayliss: Herbalist
Natalie Rodriquez: Unique Photography
www.uniquephotography.com.au
Mandy Apsey–Jones: Art like no other
Contact – mandy_loveslife@hotmail.com
Christopher Eather: Bunnys Computer Repairs & Builds
Contact – chris.eather@gmail.com
Presentations:
Today’s presentation is from Hugh Bowman from Bowman Bookkeeping on Cash Flow in your business.
Money Bucket
· Money comes in
· We have little go out in expenses
· Then we have unexpected bills come out
· Looking at your cashflow you need to plan.
· Invoicing problems – many business owners don’t follow up on their outstanding accounts. Ask for money.
· Change your payment terms to 7 days.
· On day 8 - call and see if they have received the invoice if so can they pay
· On day 14 – if not paid, send a reminder
· On day 28 – if not paid, send a reminder
· Discuss your terms up front for payments with clients.
· If charging a late fee or interest you need to charge up front.
· Always go through to the person who has control of the accounts and payments, speak to them
· Pull all your invoicing in.
· Control your clients and supplier payments
· Reduce outgoings
· Idea – if not comfortable ringing people for outstanding accounts, then have someone ring for you and follow up the debts
· Important to have a cashflow budget – look to 3 months of budgeting
· Know what your income due is what your outgoing expenditure
· Know when your payments are due, if cannot pay on time, organise a payment plan with the business
· Watch your spending. Especially if you have a monthly account. Don’t order in the final few days if cash flow is tight.
· If you owe the ATO, call them and discus your options for payments. If you need help ask them. But make regular payments and stick to the plan
· Registering for GST – watch out for the compliance
· Leasing vehicles –
o Chattel mortgage – tax advantage up front on GST
o Leasing with a residual – claim each month
Look at what you can afford.
For more information or any questions – please contact Hugh
Raffle Drawn:
Prize donated from: Tarnia Gurney
Amount collected this fortnight: $36
Today’s Winner – Mandy
That is a total of $141 to be donated to the Iris Foundation this quarter.
Thank you for coming along today. Feel free to network with your peers.
Our Next Meeting is on the 10th March. We will start at 10.30am sharp.
Our Next Presentation will be by Angela Anthony on Estate Planning.
Wednesday, February 17, 2010
Coffee Time Minutes - 10th February 2010
Welcome
Welcome to our new visitors.
Apologises
Dean Brown, John Mann, Rae Phillips, Karen Teunissen, Hugh Bowman
Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.
What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.
Where?
Tuggerah’s Zenith Centre.
When?
At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)
Update on:
The raffle is going around. Last meeting we raised $34. This will go together with today’s collection to the Iris Foundation. So far this year we have raised $78.00
Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.
Expos/Events:
· B2B Festival – Buy Local – Wyong Race Club, 13th May
· May 2010 – Home and Small Business Month
· CCWN Business Expo Extravaganza – Mingara 23rd June
Networking:
· Coffee Times 24th Feb and 10th & 24th March
· B2B with a twist – 17th Feb – Central Coast B2B Networking Night
· Central Coast Women’s Network Luncheon at Mingara – 18th Feb
· Wyong Chamber of Commerce – networking and dinner. 23rd Feb
· International Women’s Day – CCWN is supporting the Day on the Central Coast at Iguana Joes on 5th Mar.
Education:
BEC courses evening courses (6 – 9pm)
· 16th Feb – Research Business Opportunities – getting into business
· 24th Feb – Operating a business from home
· 2nd Mar – Sales and Marketing – Part A
· 10th Mar – Sales and Marketing – Part b
· 16TH Mar – Business Planning Part A
· 23rd Mar – Business Planning Part B
Australian Retail Association is offering a free 3 hr training session at the Zenith Centre on the 19th Feb. if interested please contact me and I will send out link.
Wins:
Tony Bourke – Distribution of his book Australia Wide.
Ted O’Shannessy – Send out Cards Events organised in Sydney
Christina & Darren – Wiggles n Giggles have a new class at Mardi – free trial
Megan – Bellbird Business has picked up
Who are you & what do you do: 30 Sec story about you
Tarnia Gurney:
Gurney Financial Services
www.gurneyfinancialservices.com.au
Planningwerx4U
www.planningwerx4u.com.au
Natalie Pye:
C & N Freight.
cnfreight@bigpond.com
Megan Roberts:
Bell Bird Web Solutions
www.bellbirdwebsolutions.com.au
Ted O’Shannessy:
Financial Freeway
www.financialfreeway.com.au
Rob Buckworth:
C4telecom Communications
www.c4telecom.com.au
Christina & Darren Jones:
Wiggle n Giggle
www.wiggleandgigglemusic.com.au
Sandra Boyd:
Kani Consultants
Website still being built -sandi.kani@gmail.com
Anthony Green:
Psoriasis & Skin Clinic
www.psoriasis.com.au
Simon Cook:
Toshiba and World Pacific Telecommunications
www.toshiba-web.com
Tony Bourke:
AIIB Insurance – Director of AIIB
http://www.aiib.com.au
Craig Giles
Centrum Printing.
www.centrumprinting.com.au
Toni Fountain:
Insight Health – Chiropractor
Website still being built - toni_fountain@rslcom.net.au
Brian Maggs:
Management Assistance Australia
Website still to be built – bmaggs@maagroup.com.au
Brian Plush:
Management Assistance Australia
Website still to be built – brian.plush@bigpond.com
Wayne Gates:
BEC – Business Enterprise Centre
www.centralcoastsmallbiz.com.au
Discussion on Challenges in Business:
Today we discussed opportunities and marketing ideas. Suggestions were:
Networking events
News papers
Medical journals
Buses
Radio
Website – own website – not others
Flyers
Mail outs in local area
Reoccurring -letter box drop in specific areas: 4 - 6 times over the year
Letters to other practitioners that can refer people to the business
BNI
Have a blog
Referral system with doctors
Referral system with clients
Send personal cards to clients – Christmas, birthdays, hi how are you?
Work out who is your target market? Where is your target market?
Advertise in community centres,
True local, yellow pages, www.gumtree.com.au www.flyingsolo.com.au
Twitter, face book, linked in and my space
Presentations:
Today’s presentation is from Wayne from the BEC:
BEC provides a mentoring service for home and small businesses
Mentors – all volunteer – have previously owned or run businesses.
Assist in business plan
Provides workshops on sales, marketing, cashflow, business planning, etc for small business owners
Small business start up business – support from NAB
Bringing business online – workshops in 2010
Looking at virtual offices.
For more information or any questions – please contact Wayne at BEC – Business Enterprise Centre on www.centralcoastsmallbiz.com.au or 4355 4885
Raffle Drawn:
Prize donated from: Tarnia Gurney
Amount collected this fortnight: $27
Today’s Winner – Christina Jones
That is a total of $105 to be donated to the Iris Foundation this quarter.
Thank you for coming along today. Feel free to network with your peers.
Our Next Meeting is on the 24th February. We will start at 10.30am sharp.
Our Next Presentation will be by Hugh Bowman from Bowman Bookkeeping on Cashflow in your business.
Welcome to our new visitors.
Apologises
Dean Brown, John Mann, Rae Phillips, Karen Teunissen, Hugh Bowman
Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.
What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.
Where?
Tuggerah’s Zenith Centre.
When?
At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)
Update on:
The raffle is going around. Last meeting we raised $34. This will go together with today’s collection to the Iris Foundation. So far this year we have raised $78.00
Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.
Expos/Events:
· B2B Festival – Buy Local – Wyong Race Club, 13th May
· May 2010 – Home and Small Business Month
· CCWN Business Expo Extravaganza – Mingara 23rd June
Networking:
· Coffee Times 24th Feb and 10th & 24th March
· B2B with a twist – 17th Feb – Central Coast B2B Networking Night
· Central Coast Women’s Network Luncheon at Mingara – 18th Feb
· Wyong Chamber of Commerce – networking and dinner. 23rd Feb
· International Women’s Day – CCWN is supporting the Day on the Central Coast at Iguana Joes on 5th Mar.
Education:
BEC courses evening courses (6 – 9pm)
· 16th Feb – Research Business Opportunities – getting into business
· 24th Feb – Operating a business from home
· 2nd Mar – Sales and Marketing – Part A
· 10th Mar – Sales and Marketing – Part b
· 16TH Mar – Business Planning Part A
· 23rd Mar – Business Planning Part B
Australian Retail Association is offering a free 3 hr training session at the Zenith Centre on the 19th Feb. if interested please contact me and I will send out link.
Wins:
Tony Bourke – Distribution of his book Australia Wide.
Ted O’Shannessy – Send out Cards Events organised in Sydney
Christina & Darren – Wiggles n Giggles have a new class at Mardi – free trial
Megan – Bellbird Business has picked up
Who are you & what do you do: 30 Sec story about you
Tarnia Gurney:
Gurney Financial Services
www.gurneyfinancialservices.com.au
Planningwerx4U
www.planningwerx4u.com.au
Natalie Pye:
C & N Freight.
cnfreight@bigpond.com
Megan Roberts:
Bell Bird Web Solutions
www.bellbirdwebsolutions.com.au
Ted O’Shannessy:
Financial Freeway
www.financialfreeway.com.au
Rob Buckworth:
C4telecom Communications
www.c4telecom.com.au
Christina & Darren Jones:
Wiggle n Giggle
www.wiggleandgigglemusic.com.au
Sandra Boyd:
Kani Consultants
Website still being built -sandi.kani@gmail.com
Anthony Green:
Psoriasis & Skin Clinic
www.psoriasis.com.au
Simon Cook:
Toshiba and World Pacific Telecommunications
www.toshiba-web.com
Tony Bourke:
AIIB Insurance – Director of AIIB
http://www.aiib.com.au
Craig Giles
Centrum Printing.
www.centrumprinting.com.au
Toni Fountain:
Insight Health – Chiropractor
Website still being built - toni_fountain@rslcom.net.au
Brian Maggs:
Management Assistance Australia
Website still to be built – bmaggs@maagroup.com.au
Brian Plush:
Management Assistance Australia
Website still to be built – brian.plush@bigpond.com
Wayne Gates:
BEC – Business Enterprise Centre
www.centralcoastsmallbiz.com.au
Discussion on Challenges in Business:
Today we discussed opportunities and marketing ideas. Suggestions were:
Networking events
News papers
Medical journals
Buses
Radio
Website – own website – not others
Flyers
Mail outs in local area
Reoccurring -letter box drop in specific areas: 4 - 6 times over the year
Letters to other practitioners that can refer people to the business
BNI
Have a blog
Referral system with doctors
Referral system with clients
Send personal cards to clients – Christmas, birthdays, hi how are you?
Work out who is your target market? Where is your target market?
Advertise in community centres,
True local, yellow pages, www.gumtree.com.au www.flyingsolo.com.au
Twitter, face book, linked in and my space
Presentations:
Today’s presentation is from Wayne from the BEC:
BEC provides a mentoring service for home and small businesses
Mentors – all volunteer – have previously owned or run businesses.
Assist in business plan
Provides workshops on sales, marketing, cashflow, business planning, etc for small business owners
Small business start up business – support from NAB
Bringing business online – workshops in 2010
Looking at virtual offices.
For more information or any questions – please contact Wayne at BEC – Business Enterprise Centre on www.centralcoastsmallbiz.com.au or 4355 4885
Raffle Drawn:
Prize donated from: Tarnia Gurney
Amount collected this fortnight: $27
Today’s Winner – Christina Jones
That is a total of $105 to be donated to the Iris Foundation this quarter.
Thank you for coming along today. Feel free to network with your peers.
Our Next Meeting is on the 24th February. We will start at 10.30am sharp.
Our Next Presentation will be by Hugh Bowman from Bowman Bookkeeping on Cashflow in your business.
Wednesday, January 27, 2010
Coffee Time Minutes - 27th January 2010
Welcome
Welcome to our new visitors.
Apologises
Sandra Boyd, Angela Anthony, Dean Brown
Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.
What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.
Where?
Tuggerah’s Zenith Centre.
When?
At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)
Update on:
The raffle is going around. Last meeting we raised $34. This will go together with today’s collection to the Iris Foundation. Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.
Expos/Events:
· B2B Festival – Buy Local – Wyong Race Club, 13th May
· May 2010 – Home and Small Business Month
· CCWN Business Expo Extravaganza – Mingara 23rd June
Networking:
· Coffee Times 10th & 24th Feb and 10th & 24th March
· B2B with a twist – 17th Feb – Central Coast B2B Networking Night
· Central Coast Women’s Network Luncheon at Mingara – 18th Feb
· Wyong Chamber of Commerce – networking and dinner. 23rd Feb
· International Women’s Day – CCWN is supporting the Day on the Central Coast at Iguana Joes on 5th Mar.
Education:
BEC courses evening courses (6 – 9pm)
9th Feb – Trade marking your business
16th Feb – Research Business Opportunities – getting into business
24th Feb – Operating a business from home
2nd Mar – Sales and Marketing – Part A
10th Mar – Sales and Marketing – Part b
16TH Mar – Business Planning Part A
23rd Mar – Business Planning Part B
Australian Retail Association is offering a free 3 hr training session at the Zenith Centre on the 19th Feb. if interested please contact me and I will send out link.
Wins:
Christina Jones – Wiggle n Giggle
Have been able to get classes at San Remo and Bateau Bay for children and playgroups
Rob Buckworth – C4 Communications
Organised a merger with his current business and a Sydney Company
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/
Jenny Abourizk:
Job Centre Australia
http://www.jobcentreaustralia.com.au/
Lyn Thompson
LBH Promotions
http://www.lbhpromotions.com.au/
B2B
http://www.b2b.com.au/
Toni Oliver
Toni Oliver Conveyancing
http://www.tonioliverconveyancing.com.au/
Chris Mills
Soaring Free
http://www.soaringfree.com.au/
Warwick Ryan
Central Coast Business Lawyers
http://www.centralcoastbusinesslawyers.com.au/
Shannon O’Hagan
Westpac Rescue Helicopter
http://www.rescuehelicopter.com.au/
Paul Simpson
Karben Training
http://www.karbentraining.com.au/
Rae Phillips
Inspire Success
http://www.inspire-success.com
Megan Roberts
Bell Bird Web Solutions
http://www.bellbirdwebsolutions.com.au/
Karen Teunissen
CRS Australia
http://www.crsaustralia.gov.au/
Ted O’Shannessy
Financial Freeway
http://www.financialfreeway.com.au/
Rob Buckworth
C4telecom Communications
http://www.c4telecom.com.au/
Christina Jones
Wiggle n Giggle
http://www.wiggleandgigglemusic.com.au/
Presentation:
Today’s presentation is from Warwick Ryan from Central Coast Business Lawyers:
Fair Work Act – Modern Awards, Contracts, Policies, and all that stuff
*2010 – what defines the employment relationship
-Legislation – the fair work act.
-Modern awards
-Contracts - written, verbal, implied by conduct (or a combination)
*What types of Relationships?
-Contractors vs. employees
-Permanent employees – full and part time
-Casual employees
*National Employment Standards
-Maximum hours - 38 hours plus reasonable overtime
-Flexible working arrangements
-Parental leave – 12 months unpaid
-Annual leave
-Compassionate leave – carers/personal
-Community service leave - unpaid
-Long service leave
-Public holidays
-Notice of termination and redundancy pay
-The Fair Work Information Statement
*Award Modernisation
-Modern awards will replace state and federal awards – eventually
Will apply to industries or classes of employees
-There was over 4000 awards, now down to 120 awards. More being reviewed to be added. Check your awards for your employees.
*Agreement Making
-Common law on individual agreements
-Subject to the 10 National Employment standards
-Individual Flexibility Agreements
-Enterprise agreements will be vetted upfront by FWA and are subject to the BOOT.
*Unfair Dismissal Laws
-Applies to all employees, if
+Engaged > 12 months by a small employer
+Engaged > 6 months by a non small employer
-Policies and Procedures
+Make sure you have your policies and procedures in place,
+By having your procedures and policies in place, this may assist with staffing issues, no performance and productivity of staff.
*What Now:
-Integration of people management systems with legal obligations
*How:
-Start with the end in mind.
-What are the key outcomes you require in the relationship
-Distil the goals and obligations and document
-Communicate them to your people.
For more information or any questions – please contact Warwick Ryan at http://www.centralcoastbusinesslawyers.com.au/ or (02) 4367-4366
Warwick has left some copies of the presentation with Tarnia, if you were unable to attend and would like a copy of the presentation, please contact Tarnia and she will organise.
Raffle Drawn:
Prize donated from: Lyn Thompson -
Amount collected this fortnight: $44
Today’s Winner – Rae Phillips
That is a total of $78 to be donated to the Iris Foundation this month.
Thank you for coming along today. Feel free to network with your peers.
Our Next Meeting is on the 10th February. We will start at 10.30am sharp.
Our Next Presentation will be by Wayne from the BEC.
Welcome to our new visitors.
Apologises
Sandra Boyd, Angela Anthony, Dean Brown
Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.
What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.
Where?
Tuggerah’s Zenith Centre.
When?
At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)
Update on:
The raffle is going around. Last meeting we raised $34. This will go together with today’s collection to the Iris Foundation. Tickets will be $2 each, or three for $5. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each month to the charity of choice.
Expos/Events:
· B2B Festival – Buy Local – Wyong Race Club, 13th May
· May 2010 – Home and Small Business Month
· CCWN Business Expo Extravaganza – Mingara 23rd June
Networking:
· Coffee Times 10th & 24th Feb and 10th & 24th March
· B2B with a twist – 17th Feb – Central Coast B2B Networking Night
· Central Coast Women’s Network Luncheon at Mingara – 18th Feb
· Wyong Chamber of Commerce – networking and dinner. 23rd Feb
· International Women’s Day – CCWN is supporting the Day on the Central Coast at Iguana Joes on 5th Mar.
Education:
BEC courses evening courses (6 – 9pm)
9th Feb – Trade marking your business
16th Feb – Research Business Opportunities – getting into business
24th Feb – Operating a business from home
2nd Mar – Sales and Marketing – Part A
10th Mar – Sales and Marketing – Part b
16TH Mar – Business Planning Part A
23rd Mar – Business Planning Part B
Australian Retail Association is offering a free 3 hr training session at the Zenith Centre on the 19th Feb. if interested please contact me and I will send out link.
Wins:
Christina Jones – Wiggle n Giggle
Have been able to get classes at San Remo and Bateau Bay for children and playgroups
Rob Buckworth – C4 Communications
Organised a merger with his current business and a Sydney Company
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/
Jenny Abourizk:
Job Centre Australia
http://www.jobcentreaustralia.com.au/
Lyn Thompson
LBH Promotions
http://www.lbhpromotions.com.au/
B2B
http://www.b2b.com.au/
Toni Oliver
Toni Oliver Conveyancing
http://www.tonioliverconveyancing.com.au/
Chris Mills
Soaring Free
http://www.soaringfree.com.au/
Warwick Ryan
Central Coast Business Lawyers
http://www.centralcoastbusinesslawyers.com.au/
Shannon O’Hagan
Westpac Rescue Helicopter
http://www.rescuehelicopter.com.au/
Paul Simpson
Karben Training
http://www.karbentraining.com.au/
Rae Phillips
Inspire Success
http://www.inspire-success.com
Megan Roberts
Bell Bird Web Solutions
http://www.bellbirdwebsolutions.com.au/
Karen Teunissen
CRS Australia
http://www.crsaustralia.gov.au/
Ted O’Shannessy
Financial Freeway
http://www.financialfreeway.com.au/
Rob Buckworth
C4telecom Communications
http://www.c4telecom.com.au/
Christina Jones
Wiggle n Giggle
http://www.wiggleandgigglemusic.com.au/
Presentation:
Today’s presentation is from Warwick Ryan from Central Coast Business Lawyers:
Fair Work Act – Modern Awards, Contracts, Policies, and all that stuff
*2010 – what defines the employment relationship
-Legislation – the fair work act.
-Modern awards
-Contracts - written, verbal, implied by conduct (or a combination)
*What types of Relationships?
-Contractors vs. employees
-Permanent employees – full and part time
-Casual employees
*National Employment Standards
-Maximum hours - 38 hours plus reasonable overtime
-Flexible working arrangements
-Parental leave – 12 months unpaid
-Annual leave
-Compassionate leave – carers/personal
-Community service leave - unpaid
-Long service leave
-Public holidays
-Notice of termination and redundancy pay
-The Fair Work Information Statement
*Award Modernisation
-Modern awards will replace state and federal awards – eventually
Will apply to industries or classes of employees
-There was over 4000 awards, now down to 120 awards. More being reviewed to be added. Check your awards for your employees.
*Agreement Making
-Common law on individual agreements
-Subject to the 10 National Employment standards
-Individual Flexibility Agreements
-Enterprise agreements will be vetted upfront by FWA and are subject to the BOOT.
*Unfair Dismissal Laws
-Applies to all employees, if
+Engaged > 12 months by a small employer
+Engaged > 6 months by a non small employer
-Policies and Procedures
+Make sure you have your policies and procedures in place,
+By having your procedures and policies in place, this may assist with staffing issues, no performance and productivity of staff.
*What Now:
-Integration of people management systems with legal obligations
*How:
-Start with the end in mind.
-What are the key outcomes you require in the relationship
-Distil the goals and obligations and document
-Communicate them to your people.
For more information or any questions – please contact Warwick Ryan at http://www.centralcoastbusinesslawyers.com.au/ or (02) 4367-4366
Warwick has left some copies of the presentation with Tarnia, if you were unable to attend and would like a copy of the presentation, please contact Tarnia and she will organise.
Raffle Drawn:
Prize donated from: Lyn Thompson -
Amount collected this fortnight: $44
Today’s Winner – Rae Phillips
That is a total of $78 to be donated to the Iris Foundation this month.
Thank you for coming along today. Feel free to network with your peers.
Our Next Meeting is on the 10th February. We will start at 10.30am sharp.
Our Next Presentation will be by Wayne from the BEC.
Wednesday, January 13, 2010
Coffee Time Minutes - 13th January 2010
Coffee Time – 13th January 2010
Welcome
Welcome to our new visitors.
Apologises
Rae Phillips and Toni Oliver
Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.
What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another. Free, just buy yourself a coffee
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:
PW4U has a special for you. Business Planning CDs – templates and instructions for Business Planning. Special $55 Inc GST. (Will be $395 + GST)
22nd Feb - Brad Sugars – I sent out a free invite to the Brad Sugars event in Newcastle. I am not promoting it. I am going along for my education. If you are going and would like to go together please let me know and we will organize a car pool.
Last year we talked about raising money through our group to support a charity. From today, we will be having a raffle each fortnight. 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. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each quarter to the charity of choice.
B2B with a twist are holding a Central Coast Festival in May. Supporting buy local. Keep an ear out for this event.
Networking:
· Coffee Times 27th Jan; 10th & 24th Feb 10th & 24th March
· B2B with a twist – 17th Feb – Central Coast B2B Networking Night
· Central Coast Women’s Group Luncheon at Mingara – 18th Feb
· Wyong Chamber of Commerce – networking and dinner. 23rd Feb
· International Women’s Day. – Central Coast Women’s Network is supporting the Day on the Central Coast at Iguana Joes.5th Mar.
Education:
BEC courses evening courses (6 – 9pm)
9th Feb – Trade marking your business
16th Feb – Research Business Opportunities – getting into business
24th Feb – Operating a business from home
2nd Mar – Sales and Marketing – Part A
10th Mar – Sales and Marketing – Part b
16TH Mar – Business Planning Part A
23rd Mar – Business Planning Part B
Australian Retail Association is offering a free 3 hr training session at the Zenith Centre on the 19th Feb. if interested please contact me and I will send out link.
Wins:
Tarnia - I have been asked and have accepted as an Ambassador for the Central Coasts Women’s Networking Group. There are three of us – Shelly from Esteem Jewellery, Melissa from the Art of Intimacy. We will be promoting the CCWNG and assisting with functions.
Tarnia - http://www.gurneyfinancialservices.com.au/ has been relaunched.
Robyn - Ventured into Small Business Marketing on line videos
Craig - Centrum Printing – received its Green accreditation
Craig - His daughter is directing her first production in Sydney for the family video production company.
Jenny - George and Jenny opening a Butcher shop at East Toukley in 2 weeks. Called Meat@Georges
Mark - Unique Security putting in CCTV in Toukley.
Paul - Karben received government funding to train the unemployed in hospitality. Also able to provide first aid training courses to all.
Who are you & what do you do: 30 Sec story about you
Lyn Thompson
LBH Promotions - Letter box distribution
http://www.lbhpromotions.com.au/
B2B - Marketing in Business Book & Networking
http://www.b2b.com.au/
Paul Simpson
Karben - Training Solutions for your staff
www.karbentraining.com.au
Sandra Boyd
Kani Consultants - Looking for temporary staff. Located at Wyong and servicing the Central Coast, whether for a day, week or month, Kani Consultants can assist your small business
Website being built – sandi.kani@gmail.com
Rob Buckworth
C4telecom - Central Coast Cabling and Telecommunications for your business
http://www.c4telecom.com.au/
Jenny Abourizk
Job Centre Australia - assisting people with disabilities find employment
http://www.jobcentreaustralia.com.au/
Ted O’Shannessy
Financial Freeway - Debt Management classes to help the local community get out of debt quicker.
http://www.financialfreeway.com.au/
Hugh Bowman
Bookkeeping Specialist
hugh.bowman@iinet.net.au
Craig Giles
Centrum Printing - You think it, we print it
http://www.centrumprinting.com.au/
John Mann
Small Business Assistant
http://www.jmnetwerx.com.au/
Mark Izzard
Unique Security - Specialising in back to base for business and homes on the Central Coast and greater NSW
http://www.uniquesecurity.com.au/
Angela Anthony
Angela Anthony Solicitors - Specialising in Estate Planning
http://www.angelaanthony.com.au/
Cheryl Greenwald
Marriage Celebrant
Email - cellie001@gmail.com
Robyn Marsden
Small Business Video Online - Marketing your business online
www.marketingrealestateonline.com/video_properties
Dean Brown
Woodview Home Loans & Finance - Assisting the local community with finance and home loans.
http://www.homeloansandfinance.com.au/
Tarnia Gurney
Gurney Financial Services - Looking after you and your family
http://www.gurneyfinancialservices.com.au/
Planningwerx4U - Assisting Small Business
http://www.planningwerx4u.com.au/
Presentations: Today’s presentation is about planning for 2010
Business planning for success:
Did you know? There was a study complete at Harvard Business School. The study was done over a twenty-five year period with 1,600 businesses. These were the results:
– 70% of the businesses in the study had no written or verbal plan
– 27% of the businesses in the study had verbal plans/goals only
– 3% of the businesses in the study had them written down
– 98% of the wealth was held by those 3% of the businesses in the study
. Building your Business Plan for 2010
You should spend about 2 hours in the next week or so to prepare and plan your 2010 and your future
Your plan must be logical and viable
It must be a Living document
It will help you be organised
. What is your competitive advantage?
Who will use your services
What do you do better
What is your advantage
Who’s your market
. Market Research?
Have you completed your research
What are others doing?
This can be time consuming but it is worth it
. What evidence have you got
Go to Planningwerx4, Google, DSDR, BEC for assistance
. How much money can you make?
What amount of money do you need to earn to cover your expenses
Per month
Per week
Per day
Per client
. Cashflow and Expenses
Work out expenses – leases, licensing costs, stationary, superannuation, taxes, phones, wages, etc..
Business Background
• Where are you located – home, office, shop front.
• What do you have to run a business – do your have the training, education, knowledge thru experience
• Know your products
• Know you industry
• Why do you want to be in business
• Who works the business
• Are you a sole trader, a company or a partnership – and how does it all work.
Your team
• Who is your team?
• Who are your mentors?
• Are there other small businesses that can work with you and support you.
Customers?
. Who are they
. Where do they come from
. What type of client – age
. Why would they come to you
Competitors
Know who they are
And where they are
Outside Influences:
Technology
Environment
Legislation
Regulations
Issues and Opportunities
o Know your Strengths
o Know your Weaknesses
o Be honest with yourself as you will be able to build your strengths
Business Systems
o Have office manuals
o Have procedures in place
o Have your systems up to date and in place
Mission Statement
o What is it
o Does it define you and your business
Open Discussion:
Advertising and Branding – be careful
Trade marking your branding to save you
Follow up leads, but know when to back off
Do a mind map – get some post it notes, write your points./ideas down then put to your plan under the relevant sections
SWOT – be honest
Raffle Drawn –
Prize donated from - Planningwerx4u.
Amount raised this fortnight - $34
Winner - Lyn Thompson
Money will be donated to the Iris Foundation at the end of the month.
Thank you for coming along today. Feel free to network with your peers.
Our Next Meeting is on the 27th of January 2010. We will start at 10.30am sharp.
Our Presentation will be by Warwick Ryan from Central Coast Business Lawyers on the new laws, HR, Dismissal laws etc.
Welcome
Welcome to our new visitors.
Apologises
Rae Phillips and Toni Oliver
Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.
What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another. Free, just buy yourself a coffee
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:
PW4U has a special for you. Business Planning CDs – templates and instructions for Business Planning. Special $55 Inc GST. (Will be $395 + GST)
22nd Feb - Brad Sugars – I sent out a free invite to the Brad Sugars event in Newcastle. I am not promoting it. I am going along for my education. If you are going and would like to go together please let me know and we will organize a car pool.
Last year we talked about raising money through our group to support a charity. From today, we will be having a raffle each fortnight. 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. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each quarter to the charity of choice.
B2B with a twist are holding a Central Coast Festival in May. Supporting buy local. Keep an ear out for this event.
Networking:
· Coffee Times 27th Jan; 10th & 24th Feb 10th & 24th March
· B2B with a twist – 17th Feb – Central Coast B2B Networking Night
· Central Coast Women’s Group Luncheon at Mingara – 18th Feb
· Wyong Chamber of Commerce – networking and dinner. 23rd Feb
· International Women’s Day. – Central Coast Women’s Network is supporting the Day on the Central Coast at Iguana Joes.5th Mar.
Education:
BEC courses evening courses (6 – 9pm)
9th Feb – Trade marking your business
16th Feb – Research Business Opportunities – getting into business
24th Feb – Operating a business from home
2nd Mar – Sales and Marketing – Part A
10th Mar – Sales and Marketing – Part b
16TH Mar – Business Planning Part A
23rd Mar – Business Planning Part B
Australian Retail Association is offering a free 3 hr training session at the Zenith Centre on the 19th Feb. if interested please contact me and I will send out link.
Wins:
Tarnia - I have been asked and have accepted as an Ambassador for the Central Coasts Women’s Networking Group. There are three of us – Shelly from Esteem Jewellery, Melissa from the Art of Intimacy. We will be promoting the CCWNG and assisting with functions.
Tarnia - http://www.gurneyfinancialservices.com.au/ has been relaunched.
Robyn - Ventured into Small Business Marketing on line videos
Craig - Centrum Printing – received its Green accreditation
Craig - His daughter is directing her first production in Sydney for the family video production company.
Jenny - George and Jenny opening a Butcher shop at East Toukley in 2 weeks. Called Meat@Georges
Mark - Unique Security putting in CCTV in Toukley.
Paul - Karben received government funding to train the unemployed in hospitality. Also able to provide first aid training courses to all.
Who are you & what do you do: 30 Sec story about you
Lyn Thompson
LBH Promotions - Letter box distribution
http://www.lbhpromotions.com.au/
B2B - Marketing in Business Book & Networking
http://www.b2b.com.au/
Paul Simpson
Karben - Training Solutions for your staff
www.karbentraining.com.au
Sandra Boyd
Kani Consultants - Looking for temporary staff. Located at Wyong and servicing the Central Coast, whether for a day, week or month, Kani Consultants can assist your small business
Website being built – sandi.kani@gmail.com
Rob Buckworth
C4telecom - Central Coast Cabling and Telecommunications for your business
http://www.c4telecom.com.au/
Jenny Abourizk
Job Centre Australia - assisting people with disabilities find employment
http://www.jobcentreaustralia.com.au/
Ted O’Shannessy
Financial Freeway - Debt Management classes to help the local community get out of debt quicker.
http://www.financialfreeway.com.au/
Hugh Bowman
Bookkeeping Specialist
hugh.bowman@iinet.net.au
Craig Giles
Centrum Printing - You think it, we print it
http://www.centrumprinting.com.au/
John Mann
Small Business Assistant
http://www.jmnetwerx.com.au/
Mark Izzard
Unique Security - Specialising in back to base for business and homes on the Central Coast and greater NSW
http://www.uniquesecurity.com.au/
Angela Anthony
Angela Anthony Solicitors - Specialising in Estate Planning
http://www.angelaanthony.com.au/
Cheryl Greenwald
Marriage Celebrant
Email - cellie001@gmail.com
Robyn Marsden
Small Business Video Online - Marketing your business online
www.marketingrealestateonline.com/video_properties
Dean Brown
Woodview Home Loans & Finance - Assisting the local community with finance and home loans.
http://www.homeloansandfinance.com.au/
Tarnia Gurney
Gurney Financial Services - Looking after you and your family
http://www.gurneyfinancialservices.com.au/
Planningwerx4U - Assisting Small Business
http://www.planningwerx4u.com.au/
Presentations: Today’s presentation is about planning for 2010
Business planning for success:
Did you know? There was a study complete at Harvard Business School. The study was done over a twenty-five year period with 1,600 businesses. These were the results:
– 70% of the businesses in the study had no written or verbal plan
– 27% of the businesses in the study had verbal plans/goals only
– 3% of the businesses in the study had them written down
– 98% of the wealth was held by those 3% of the businesses in the study
. Building your Business Plan for 2010
You should spend about 2 hours in the next week or so to prepare and plan your 2010 and your future
Your plan must be logical and viable
It must be a Living document
It will help you be organised
. What is your competitive advantage?
Who will use your services
What do you do better
What is your advantage
Who’s your market
. Market Research?
Have you completed your research
What are others doing?
This can be time consuming but it is worth it
. What evidence have you got
Go to Planningwerx4, Google, DSDR, BEC for assistance
. How much money can you make?
What amount of money do you need to earn to cover your expenses
Per month
Per week
Per day
Per client
. Cashflow and Expenses
Work out expenses – leases, licensing costs, stationary, superannuation, taxes, phones, wages, etc..
Business Background
• Where are you located – home, office, shop front.
• What do you have to run a business – do your have the training, education, knowledge thru experience
• Know your products
• Know you industry
• Why do you want to be in business
• Who works the business
• Are you a sole trader, a company or a partnership – and how does it all work.
Your team
• Who is your team?
• Who are your mentors?
• Are there other small businesses that can work with you and support you.
Customers?
. Who are they
. Where do they come from
. What type of client – age
. Why would they come to you
Competitors
Know who they are
And where they are
Outside Influences:
Technology
Environment
Legislation
Regulations
Issues and Opportunities
o Know your Strengths
o Know your Weaknesses
o Be honest with yourself as you will be able to build your strengths
Business Systems
o Have office manuals
o Have procedures in place
o Have your systems up to date and in place
Mission Statement
o What is it
o Does it define you and your business
Open Discussion:
Advertising and Branding – be careful
Trade marking your branding to save you
Follow up leads, but know when to back off
Do a mind map – get some post it notes, write your points./ideas down then put to your plan under the relevant sections
SWOT – be honest
Raffle Drawn –
Prize donated from - Planningwerx4u.
Amount raised this fortnight - $34
Winner - Lyn Thompson
Money will be donated to the Iris Foundation at the end of the month.
Thank you for coming along today. Feel free to network with your peers.
Our Next Meeting is on the 27th of January 2010. We will start at 10.30am sharp.
Our Presentation will be by Warwick Ryan from Central Coast Business Lawyers on the new laws, HR, Dismissal laws etc.
Monday, January 11, 2010
Agenda - 13/1/09
Agenda – Coffee Time – 13th January 2010
Open:
Welcome – this yr is a little bit of a change from last year.
· We will be starting at 10.30 each session, as people need to get away. Therefore, if you can be here, ordered coffees and seated by 10.29am that would be lovely.
· We will have an update on events, education and then discuss wins for everyone.
· We will then move on to our presentations, which will go for about 20 minutes, with 10 minutes for question time afterwards and open discussion.
· We will then do a 30-second commercial of who we are and what we do if time. Then there will be the opportunity for those willing to network afterwards.
Who we are?
Small and Home Business owners meeting to build relationships from other SBOs.
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:
PW4U has a special for you. Business Planning CDs – templates and instructions for Business Planning. Special $55 Inc GST. (Will be $395 + GST)
22nd Feb - Brad Sugars – I sent out a free invite to the Brad Sugars event in Newcastle. I am not promoting it. I am going along for my education. If you are going and would like to go together please let me know and we will organize a car pool.
Last year we talked about raising money through our group to support a charity. From today, we will be having a raffle each fortnight. 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. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each quarter to the charity of choice.
Networking:
· Coffee Times 27th Jan; 10th & 24th Feb 10th & 24th March
· B2B with a twist – 17th Feb – Central Coast B2B Networking Night
· Central Coast Women’s Group Luncheon at Mingara – 18th Feb
· Wyong Chamber of Commerce – networking and dinner. 23rd Feb
· International Women’s Day. – Central Coast Women’s Network is supporting the Day on the Central Coast at Iguana Joes.5th Mar.
Education:
BEC courses evening courses (6 – 9pm)
9th Feb – Trade marking your business
16th Feb – Research Business Opportunities – getting into business
24th Feb – Operating a business from home
2nd Mar – Sales and Marketing – Part A
10th Mar – Sales and Marketing – Part b
16TH Mar – Business Planning Part A
23rd Mar – Business Planning Part B
Australian Retail Association is offering a free 3 hr training session at the Zenith Centre on the 19th Feb. if interested please contact me and I will send out link.
Wins:
Win for me – I have been asked and have accepted as an Ambassador for the Central Coasts Women’s Networking Group. There are three of us – Shelly from Esteem Jewelry, Melissa from the Art of Intimacy. We will be promoting the CCWNG and assisting with functions.
Gurney Financial Services has laucnhed its new website. see www.gurneyfinancialservices.com.au
Has anyone any wins
Presentations:
Today’s Presentation is on –
Who are you & what do you do:
30 Sec story about you
Networking:
time to mingle with your peers
Golden Rules
Can we show each other respect by only person to speak at a time. Please hold all conversations, recommendations, until the end.
Open:
Welcome – this yr is a little bit of a change from last year.
· We will be starting at 10.30 each session, as people need to get away. Therefore, if you can be here, ordered coffees and seated by 10.29am that would be lovely.
· We will have an update on events, education and then discuss wins for everyone.
· We will then move on to our presentations, which will go for about 20 minutes, with 10 minutes for question time afterwards and open discussion.
· We will then do a 30-second commercial of who we are and what we do if time. Then there will be the opportunity for those willing to network afterwards.
Who we are?
Small and Home Business owners meeting to build relationships from other SBOs.
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:
PW4U has a special for you. Business Planning CDs – templates and instructions for Business Planning. Special $55 Inc GST. (Will be $395 + GST)
22nd Feb - Brad Sugars – I sent out a free invite to the Brad Sugars event in Newcastle. I am not promoting it. I am going along for my education. If you are going and would like to go together please let me know and we will organize a car pool.
Last year we talked about raising money through our group to support a charity. From today, we will be having a raffle each fortnight. 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. If you would like to donate a prize to the group for the raffle, please let me know. Other wise I will purchase from the collection of funds and will be worth up to the value of $10 each fortnight. All monies will be donated each quarter to the charity of choice.
Networking:
· Coffee Times 27th Jan; 10th & 24th Feb 10th & 24th March
· B2B with a twist – 17th Feb – Central Coast B2B Networking Night
· Central Coast Women’s Group Luncheon at Mingara – 18th Feb
· Wyong Chamber of Commerce – networking and dinner. 23rd Feb
· International Women’s Day. – Central Coast Women’s Network is supporting the Day on the Central Coast at Iguana Joes.5th Mar.
Education:
BEC courses evening courses (6 – 9pm)
9th Feb – Trade marking your business
16th Feb – Research Business Opportunities – getting into business
24th Feb – Operating a business from home
2nd Mar – Sales and Marketing – Part A
10th Mar – Sales and Marketing – Part b
16TH Mar – Business Planning Part A
23rd Mar – Business Planning Part B
Australian Retail Association is offering a free 3 hr training session at the Zenith Centre on the 19th Feb. if interested please contact me and I will send out link.
Wins:
Win for me – I have been asked and have accepted as an Ambassador for the Central Coasts Women’s Networking Group. There are three of us – Shelly from Esteem Jewelry, Melissa from the Art of Intimacy. We will be promoting the CCWNG and assisting with functions.
Gurney Financial Services has laucnhed its new website. see www.gurneyfinancialservices.com.au
Has anyone any wins
Presentations:
Today’s Presentation is on –
Who are you & what do you do:
30 Sec story about you
Networking:
time to mingle with your peers
Golden Rules
Can we show each other respect by only person to speak at a time. Please hold all conversations, recommendations, until the end.
Monday, January 4, 2010
Coffee Time Minutes - 9.12.09
Minutes– Coffee Time – 9/12/2009
Open: Welcome
Update on:
If you are interested in going in the next B2B book. You need to organize ASAP. Contact Lyn or Suzy to organize your advertising.
B2B Murrays Beach – 24th November, last night fantastic. Great night, great food, lots a new people. Congratulations to the B2B team for another successful night. For more info – contact LBH Promotions for next year’s events.
Kate Morris and Community Chest are organizing a movie event to be held at Mingara. Gold coin donation – 16.1.10
Networking:
Coffee Time and Networking Christmas drinks at Zenith on the 18th December, 5pm onwards. $10 for pizza and two drinks. Need to book in to Tarnia by the 1st of December if coming along.
Coffee Time will resume on the Wednesday the 13th of January 2010. Look forward to seeing you in the New Year.
Education:
For BEC courses please see Debbie or Kim for more information
Wins:
Tony Bourke has his new book launched, titled “Risk your business, Risk your life”
Toni Oliver – Winner of Central Coast Business Awards
Rae Phillips – Inspire Success has produced some CDs for businesses. CDs contain information on - Tools for Marketing, Tracking the life cycle of the employee; Employing, Induction, and Management of Employees. For more info, contact Rae on http://www.inspiresuccess.com/
Open Discussion:
No formal meeting was held; we had a discussion in relation to topics of interest for next year.
Topics for next year –
· Cash flow in business
· Business development in Wyong Shire – Gary McLachlan
· Financial planner – Tarnia
· Recruitment – awards and unfair dismissal
· Insurances for business – Tony Bourke
· ETS – Emissions Trading Scheme – how does it affect us
· Economic update
· Understanding Contracts – Solicitor
· Estate Planning – Solicitor
· Grants to business development – DSRD
· Business Coaching –
· Ways to save on your Printing – Craig Giles
· Business Marketing
· Bookkeeping – ways to save and prepare for your accountant
· Marketing – Lyn Thompson
· Joshua Young – Business
· Work cover – OHS changes – Jay Lewis
· Work cover – workers comp claims/ employer responsibilities
· BEC
· Taxes for business – Accountant
· Website building
· Back up and storage of your data
Tarnia will organise speaker for through out the year. Coffee Time will go for 1 hr, with presentations between 15 – 30 minutes
Next Meeting: 13th January 2010 – 10.30am
Look forward to seeing you there
Open: Welcome
Update on:
If you are interested in going in the next B2B book. You need to organize ASAP. Contact Lyn or Suzy to organize your advertising.
B2B Murrays Beach – 24th November, last night fantastic. Great night, great food, lots a new people. Congratulations to the B2B team for another successful night. For more info – contact LBH Promotions for next year’s events.
Kate Morris and Community Chest are organizing a movie event to be held at Mingara. Gold coin donation – 16.1.10
Networking:
Coffee Time and Networking Christmas drinks at Zenith on the 18th December, 5pm onwards. $10 for pizza and two drinks. Need to book in to Tarnia by the 1st of December if coming along.
Coffee Time will resume on the Wednesday the 13th of January 2010. Look forward to seeing you in the New Year.
Education:
For BEC courses please see Debbie or Kim for more information
Wins:
Tony Bourke has his new book launched, titled “Risk your business, Risk your life”
Toni Oliver – Winner of Central Coast Business Awards
Rae Phillips – Inspire Success has produced some CDs for businesses. CDs contain information on - Tools for Marketing, Tracking the life cycle of the employee; Employing, Induction, and Management of Employees. For more info, contact Rae on http://www.inspiresuccess.com/
Open Discussion:
No formal meeting was held; we had a discussion in relation to topics of interest for next year.
Topics for next year –
· Cash flow in business
· Business development in Wyong Shire – Gary McLachlan
· Financial planner – Tarnia
· Recruitment – awards and unfair dismissal
· Insurances for business – Tony Bourke
· ETS – Emissions Trading Scheme – how does it affect us
· Economic update
· Understanding Contracts – Solicitor
· Estate Planning – Solicitor
· Grants to business development – DSRD
· Business Coaching –
· Ways to save on your Printing – Craig Giles
· Business Marketing
· Bookkeeping – ways to save and prepare for your accountant
· Marketing – Lyn Thompson
· Joshua Young – Business
· Work cover – OHS changes – Jay Lewis
· Work cover – workers comp claims/ employer responsibilities
· BEC
· Taxes for business – Accountant
· Website building
· Back up and storage of your data
Tarnia will organise speaker for through out the year. Coffee Time will go for 1 hr, with presentations between 15 – 30 minutes
Next Meeting: 13th January 2010 – 10.30am
Look forward to seeing you there
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