Coffee Time

Thursday, December 6, 2012

Coffee Time Minutes 28th November 2012

Tuesday, November 13, 2012

Coffee Time Minutes - 14th November 2012

Who we are?

Small and Home Business owners meeting to build relationships from other SBO’s.

What is CT?

Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.

Where?

Tuggerah’s Zenith Centre.

When?

At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)

Apologises:

Nicolette
Sylvie
Kate

Update on our Raffle?

Today we raised $34, bringing the total this year raised $526 (including this week’s total) for this year for the Iris Foundation in 2012.

This year we will continue with our Raffles and donation to Iris Foundation. This year we will do a raffle again for the Iris Foundation. We will be looking for prizes/donations up to the value of $10. Its will be up to you if you would like to participate and none should feel obliged. Tickets will be $2 each, or three for $5.

Workcover

Don’t forget Jay can come out to your workplace and do a free assessment; you can then get a $500 voucher/credit towards purchasing safe office things (chair, etc). Jay also has workshops, one on one meeting and assessments currently available. If you wish to have a free appointment with Jay please contact him on jay.lewis@workcover.nsw.gov.au

Networking:
• Fridays round the coast SBNG – contact SNBG for more info
• BWC lunches on each month – for more info contact Kym Williams
• Success Women’s Networking Luncheon 29th November Christmas Party – to book got to the website www.successwomensnetwork.com.au
• Coffee Time 28th November – Security in your business – Mark Izzard
• Coffee Time 13th December – Christmas Party – Morning coffee get togerther and luncheon

Christmas Party

Coffee Time Christmas Party will be on the 12th of December, cost is $40 per head for 2 course meal. The meal is: (alternate meals)

Entrée:
Smoked salmon and chunky guacamole stack with zesty lime and mango sauce
Tender chicken breast infused with Thai flavours on a crisp salad with glass noodles and toasted cashews

Mains:
Grilled MSA rump steak topped with garlic prawns and a lemon thyme hollandaise on parsley chat potatoes
Beer battered flathead fillets with a season potato wedges, salad and a citrus tartare sauce.

And a glass of wine.

Arrival for lunch is at 11.45am, with lunch served at 12.

Today’s Attendees

Tarnia Gurney
Gurney Financial Services www.gurneyfinancialservices.com.au
Planningwerx4U www.planningwerx4u.com.au

April Izzard
Unique Cleaning www.uniquecleaning.com.au

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

Jahne Peart
Exploring Names jahne@hotcollections.com.au

Julie Watson
Ezipix www.ezipix.com.au

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

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

Matt
Job Centre Australia www.jobcentreaustralia.com.au

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

Lyn Sammut
Baskets Galore www.basketsgalore.com.au

Mark Izzard
Unique Security www.uniquesecurity.com.au

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

Simon Calder
BVO Hunter/Central Coast
Celtic Management Solutions www.celticmanagement.net.au

Chris Macauley
Macauley by design www.maculeybydesign.com.au

Wins

Kellie – her boss and her received broker of the year, he was also ozbroker of the year for NSW and National. Great for her business
Rachel – website up and running
April – has received some wonderful feedback and testimonials from her clients re her cleaners.
Dawn & Bev – booked the venue for 2013 Slither and Slumber – Amazement 15th March 2013
Julie – is booking her Trip to Rome next week on her 50Th birthday
Tarnia – went to AFA conference.
Tarnia - was told she was a finalist in the female excellence awards. Got to the final 21 form 135 female advisers in Australia

Open Forum/Presentation today

Prepare for 2013 – open discussion
• Get a business plan
• Have a marketing plan
• What activities do I need to build my business
• Have KPIs
• Track your work
• Track your marketing
• Have a budget
• Book in personal development and education
• Have to do lists
• Set goals
• Be positive
• Have a social media strategy- call to action each week to promote your business
• Know your target markets
• End of calendar year is a good time to plan, reflect on what you have done and what you can do better next time.
• Christmas and January are a slow time in most businesses, so a perfect time to take time to plan.
• Look at growing your business
• Don’t forget your existing business
• Look at your existing clientele and see how you can help them
• Do cost effective marketing – networking, letterbox drops, free website advertising
• Go to networking – Coffee Time, B2B, Chamber meetings
• Build relationships with others in business
• Promote each others businesses
• Word of mouth
• Letter box distribution – print 5000 – 10000 as cheaper than a 1000.
• Letterbox distribution can cost about $55 per 1000 to deliver ( see LBH Promotions)
• Get a good team behind you. Good staff.
• Have weekly meetings
• Be accountable to someone. Get a buddy or join a master mind group.
• Out source where possible to save you time – HR, Bookkeeping, OHS, Business Planning, Marketing, etc.
• Work on your business as well as work in your business.

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

Please Note –
Buy Local Festival will have a business day and a public day. 24th and 25th May 2013 at Erina.

Please Note -
2013 Coffee Time will be held on the 2nd Wednesday of the month from February, and we will hold meetings at Gurney Financial Services Offices in Toukley. offee & Tea will be provided for a gold coin donation. (after costs covered, money to Iris Foundation).

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

Today we raised $34 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 28h November - Arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum – Mark Izzard – Security in your business

Wednesday, October 31, 2012

Coffee Time Minutes - 24th of October 2012

Tuesday, October 16, 2012

Coffee Time Minutes - 10th October 2012

As of this week – minutes have changed.

Who we are?

Small and Home Business owners meeting to build relationships from other SBO’s.

What is CT?

Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.

Where?

Tuggerah’s Zenith Centre.

When?

At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)

Update on our Raffle?

Today we raised $19, bringing the total this year raised $475 (including this week’s total) for this year for the Iris Foundation in 2011.

This year we will continue with our Raffles and donation to Iris Foundation. This year we will do a raffle again for the Iris Foundation. We will be looking for prizes/donations up to the value of $10. Its will be up to you if you would like to participate and none should feel obliged. Tickets will be $2 each, or three for $5.

Workcover

Don’t forget Jay can come out to your workplace and do a free assessment; you can then get a $500 voucher/credit towards purchasing safe office things (chair, etc). Jay also has workshops, one on one meeting and assessments currently available. If you wish to have a free appointment with Jay please contact him on jay.lewis@workcover.nsw.gov.au

Networking:

· Fridays round the coast SBNG – 3^rd Friday here at Zenith

· BWC lunches on each month – for more info contact Kym Williams

· Success Women’s Luncheon on Thursday the 18^th October

· Success Women’s Networking Luncheon - 1^st December – Christmas Party

· Coffee Time 24^th October – Open Forum – how to build your business

· Coffee Time 14^th November – Open Forum – Preparing for 2013

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

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

· Melbourne Cup – 6^th November – Gosford Race Course. $79 each. Coffee Time has a table.

Christmas Party

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

Presentation today

No Presentation today. Discussion on next year’s buy local.

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

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

Today we raised $19 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 24^th October - Arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum – How to build your business

Wednesday, September 26, 2012

Coffee Time Minutes for 26th September 2012

Welcome
Welcome to our new visitors

Apologies
Dawn and Bev, Leanna and Kellie Targett

Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.

What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.

Where?
Tuggerah’s Zenith Centre.

When?
At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)

Update on our Raffle?
Today we raised $15 bringing the total this year raised $456.50 (including this week’s total) for this year for the Iris Foundation in 2012.

This year we will continue with our Raffles and donation to Iris Foundation. This year we will do a raffle again for the Iris Foundation. We will be looking for prizes/donations up to the value of $10. Its will be up to you if you would like to participate and none should feel obliged. Tickets will be $2 each, or three for $5.

Updated Members
You can come when you are free, never feel obligated and always feel welcome. I have a list with everyone who has come along to Coffee Time; I am updating the distribution list. If you would like to be included, please check your details are correct, update where necessary and add if not on there.

I have bought a card box for everyone’s cards and the folders were ripped. Please utilise the card holder box, please pass around each meeting, and feel free to support each other and utilize their services.

Recap of last meeting
Who was here last meeting? Who remembers what we talked about? Did we put into practice? How did we go?

Workcover

Don’t forget Jay can come out to your workplace and do a free assessment; you can then get a $500 voucher/credit towards purchasing safe office things (chair, etc). Jay also has workshops, one on one meeting and assessments currently available. If you wish to have a free appointment with Jay please contact him on jay.lewis@workcover.nsw.gov.au

Upcoming Networking:
• Coffee Time 10th October – Open Forum – Solutions for home and small business
• Coffee Time 24th October – Open Forum – how to build your business
• Coffee Time 14th November – Open Forum – Preparing for 2013
• Coffee Time 28th November – Security in your business – Mark Izzard
• Coffee Time 13th December – Christmas Party – Morning coffee meeting and luncheon
• Fridays round the coast SBNG – 3rd Friday here at Zenith
• BWC lunches on each month – for more info contact Kym Williams

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

BEC has Memberships available:
- Business Basics Membership - $249.
- Business plus Membership - $748.
For more information, please speak to Darren or Debbie at the BEC – 02 4355 4885

Update
Melbourne Cup - $79 per ticket at Gosford Races 6th November. Coffee Time has 1 table if you would like to come along. Numbers and Money required by the 19th of October.

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

Tarnia Gurney
Gurney Financial Services www.gurneyfinancialservices.com.au
Planningwerx4U www.planningwerx4u.com.au

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

Julie Watson
Ezipix www.ezipix.com.au

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

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

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

Jahne Peart
Exploring Names jahne@hotcollections.com.au

Wins
Rachel – completed her first order
Kate signed up 9 more in her team

Congratulations everyone

Presentation today
Daniel Farmer – NSW Business Chamber

• NSW Business Chamber is the biggest chamber in Australia
• It now owns – NSW, VIC, QLD and ACT Business Chambers
• One Stop for all the chambers and brings them all into alignment around Australia
• Services provided – legal, networking, and advice, support, HR, fleet, and payroll, financial.
• Local chambers to support local business
• NSW chamber to support the local chambers and those local businesses
• Member benefits – discount’s, support and advice
• NSW Business Chamber is a growing business an has a strong back office which supports the chambers around Australia
• You can join direct or through an alliance through your local chamber
• NSW Business Chamber lobby government for support of businesses.
• Example – differences in wages and awards now to 20 yrs. ago. Different penalty rates, different hrs. And days, small business in hospitality is hurting as the costs are rising, NSW Business Chamber is working with Government in relation to the awards and how to work with small business.
• Assisting business through services – international trade business, products and advice with HR and legislation changes
• NSW Business Chamber can also assist small business with –
• Energy
• Sustainability
• Buying power for office supplies
• Insurances for business
• This is due to negotiations with energy groups to provide a good rate for energy. Tips and tools around saving energy, and investing in energy saving initiatives
• Sustainability through green ability – safe practices for business
• Corporate Express – discounted rates for stationary or big ticket items – office supplies
• Legal info – Lawyers for advice on legal matters
• HR – Human Resources specialist
• NSW Business Chamber negotiated with brokers for insurance. And got discounted insurances – Alliance has come on board and will provide a discount for small business packages. They do workers compensation, public indemnity, public liability, etc.
• NSW Business Chamber won the tender for the apprenticeship centre. Providing training and support to apprenticeships and trainees. 50% of kids today do not finish their trade or apprenticeships. Government wants to work with businesses and trainees to find out why and get them finishing their trades.
• Kids and apprentices need basic courses and need education
• Mentor program will be set up for business owners to mentor Gen Ys.
• Seminars coming up
• For more information please go to www.nswbusinesschamber.com.au or contact Daniel Farmer for an appointment on how the chamber can assist your business.

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

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

Winner of today’s raffle – Julie, thanks to Kate from Your Inspiration at Home who donated a basket.

Today we raised $15 for Iris Foundation.

Thanks and see you next time

NEXT MEETING: 10th October - arrive 10.25am for 10.30 start – sharp

Presentation – Open Forum.

Tuesday, September 25, 2012

Coffee Time Minutes - 12th September 2012

Welcome
Welcome to our new visitors

Apologies
Dawn and Bev, Kate Morris and Kellie Targett

Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.

What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.

Where?
Tuggerah’s Zenith Centre.

When?
At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)

Update on our Raffle?
Today we raised $23 bringing the total this year raised $441.50 (including this week’s total) for this year for the Iris Foundation in 2012.

This year we will continue with our Raffles and donation to Iris Foundation. This year we will do a raffle again for the Iris Foundation. We will be looking for prizes/donations up to the value of $10. Its will be up to you if you would like to participate and none should feel obliged. Tickets will be $2 each, or three for $5.

Updated Members
We have over 120 members for Coffee Time. You can come when you are free, never feel obligated and always feel welcome. I have a list with everyone who has come along to Coffee Time; I am updating the distribution list. If you would like to be included, please check your details are correct, update where necessary and add if not on there.

I have bought a card box for everyone’s cards and the folders were ripped. Please utilise the card holder box, please pass around each meeting, and feel free to support each other and utilize their services.

Recap of last meeting
Who was here last meeting? Who remembers what we talked about? Did we put into practice? How did we go?

Workcover
Don’t forget Jay can come out to your workplace and do a free assessment; you can then get a $500 voucher/credit towards purchasing safe office things (chair, etc). Jay also has workshops, one on one meeting and assessments currently available. If you wish to have a free appointment with Jay please contact him on jay.lewis@workcover.nsw.gov.au

Upcoming Networking:
• Coffee Time 26 September – NSW Business Chamber - Daniel Farmer
• Coffee Time 10th October – TBA
• Coffee Time 24th October – TBA
• Coffee Time 14th November – Open Forum – Preparing for 2013
• Coffee Time 28th November – Security in your business – Mark Izzard
• Coffee Time 13th December – Christmas Party – Morning coffee meeting and luncheon
• Fridays round the coast SBNG – 3rd Friday here at Zenith
• BWC lunches on each month – for more info contact Kym Williams
• Success Women’s Networking business expo – 19th September

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

BEC has Memberships available:
- Business Basics Membership - $249.
- Business plus Membership - $748.

For more information, please speak to Darren or Debbie at the BEC – 02 4355 4885

Update:
• Business Expo – 19th September at Mingara

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

Tarnia Gurney
Gurney Financial Services www.gurneyfinancialservices.com.au
Planningwerx4U www.planningwerx4u.com.au

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

Julie Watson
Ezipix www.ezipix.com.au

Lyn Sammut
Baskets Galore www.basketsgalore.com.au

Selma Sancar
Voice Concepts www.voiceconcepts.com.au

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

Kathy Bree
Coffee News www.coffeenews.com.au

Nicolette Gregory
Artistique Photography www.artistiquephotographybynicolette.com.au

Paul McCarthy
Lakes Mail pmccarthy@lakesmail.com.au

Wins

Nicolette – 5th place in Australia Wide Bridal photography competition

Nicolette – 2nd place in Central Coast Landscapes

Rachel – has all the new equipment for the new business

Selma – Daughter got into the grand final for soccer

Paul – soccer team won the grand final

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

Christina – starting classes with Little Diggers – the Entrance

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

Congratulations everyone

Presentation today Sales – open forum

What is Sales?

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

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

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

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

Winner of today’s raffle – Christina , thanks to Lyn from Baskets Galore who donated a voucher.

Today we raised $23 for Iris Foundation.

Thanks and see you next time

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

Presentation – Daniel Farmer and the NSW Business Chamber.

Friday, August 10, 2012

Coffee Time Minutes for 8th August 2012

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

Apologies
Kate Morris and Kellie Targett

Who we are?
Small and Home Business owners meeting to build relationships from other SBO’s.

What is CT?
Relatively casual meeting group, where you can network, talk about business ideas and strategies, and learn from one another.

Where?
The Edge Cafe & Bar Tuggerah’s Zenith Centre.

When?
At 10.30 am on the 2nd & 4th Wednesdays of the month. Arrival 10.25 am for 10.30 am start. (Runs for about 1 hour)

Update on our Raffle?
Today we raised $44 bringing the total this year raised $418.50 (including this week’s total) for this year for the Iris Foundation in 2012.

This year we will continue with our Raffles and donation to Iris Foundation. This year we will do a raffle again for the Iris Foundation. We will be looking for prizes/donations up to the value of $10. Its will be up to you if you would like to participate and none should feel obliged. Tickets will be $2 each, or three for $5.

Updated Members
We have over 120 members for Coffee Time. You can come when you are free, never feel obligated and always feel welcome. I have a list with everyone who has come along to Coffee Time; I am updating the distribution list. If you would like to be included, please check your details are correct, update where necessary and add if not on there.

Please utilise the card holder box, please pass around each meeting, and feel free to support each other and utilize their services.

Recap of last meeting
Who was here last meeting? Who remembers what we talked about? Did we put into practice? How did we go?

Workcover
Don’t forget Jay can come out to your workplace and do a free assessment; you can then get a $500 voucher/credit towards purchasing safe office things (chair, etc). Jay also has workshops, one on one meeting and assessments currently available. If you wish to have a free appointment with Jay please contact him on jay.lewis@workcover.nsw.gov.au

Upcoming Networking:
• Coffee Time 22nd August – Insurances and your business – Tony Bourke and Kellie Targett
• Coffee Time 12th September - Open Forum – Sales
• Coffee Time 26 September – NSW Business Chamber - Daniel Farmer
• Coffee Time 10th October – TBA
• Coffee Time 24th October – TBA
• Coffee Time 14th November – Open Forum – Preparing for 2013
• Coffee Time 28th November – Security in your business – Mark Izzard
• Coffee Time 13th December – Christmas Party – Morning coffee meeting and luncheon
• Fridays round the coast SBNG – 3rd Friday here at Zenith
• BWC lunches on each month – for more info contact Kym Williams
• Success Women’s Networking Luncheon – 23rd August

Education:

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

BEC has Memberships available:
- Business Basics Membership - $249.
- Business plus Membership - $748.

For more information, please speak to Darren or Debbie at the BEC – 02 4355 4885

Update:
• Business Expo – 19th September at Mingara

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

Tarnia Gurney
Gurney Financial Services www.gurneyfinancialservices.com.au
Planningwerx4U www.planningwerx4u.com.au

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

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

Rachel Dillon
Elite Embroidery www.eliteembroidery.com.au

Natalie Williams
ET Australia www.etaustralia.com

Julie Watson
Ezipix www.ezipix.com.au

Sylvie Carter
Axiom Services www.axiomservices.com.au

Lyn Sammut
Baskets Galore www.basketsgalore.com.au

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

Jean
McDonalds Wyong McCafe

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

Presentation today

Advertising in your business – open forum

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

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

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

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

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

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

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

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

Winner of today’s raffle – Judy and Lyn

Today we raised $44 for Iris Foundation.

Thanks and see you next time

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

Presentation – Panel of experts - Insurance for you

Coffee Time

Thursday, December 6, 2012

Coffee Time Minutes 28th November 2012

Tuesday, November 13, 2012

Coffee Time Minutes - 14th November 2012

Wednesday, October 31, 2012

Coffee Time Minutes - 24th of October 2012

Tuesday, October 16, 2012

Coffee Time Minutes - 10th October 2012

Wednesday, September 26, 2012

Coffee Time Minutes for 26th September 2012

Tuesday, September 25, 2012

Coffee Time Minutes - 12th September 2012

Friday, August 10, 2012

Coffee Time Minutes for 8th August 2012

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Thursday, December 6, 2012

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