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NORTHERN RIVERS

Summer 2014 $6.95 inc GST

MAGAZINE

Saving the Planet and Your Money


Greenie or Beanie? Nickel Has the Answer

IT
Is the Cloud Your Future?

Banking & Finance


SMSF Borrowing Strategies

Employment & Training


New HR Service for Small Business

Sydney is now 6 times closer.

BAP_078 BEACH PRESS-1.pdf

28/08/13

4:03 PM

Choose from 6 flights a day, every day to Sydney


Fly direct from the heart of the beautiful Northern Rivers NSW region to Sydney with Virgin Australia, Jetstar or Rex Airlines. Ballina Byron Gateway Airport offers up to 54 flights per week flying to and from Sydney, Melbourne and Newcastle, so whether youre travelling for business or leisure there will be a flight to suit you. All the convenient airport services are available such as fast check-in, a great licensed caf, free Wi-Fi and various transport options, making Ballina Byron Gateway Airport the easy way to go.
The Ballina Byron Gateway Airport. Get There Quicker. Take 20 minutes off your travel time to Byron.
Only 5 mins away from the Ballina CBD and under 30 mins from Byron, the Ballina Byron Gateway Airport has up to 52 direct flights per week to and from Sydney, Melbourne and Newcastle. So whether you are visiting the region to relax, enjoy some waves or catch up with family and friends, Ballina Byron Gateway Airport will help you start your holiday sooner.

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Gateway Airport Gateway Airport

NORTHERN RIVERS

MAGAZINE

Publisher
Ashley Burke-Smith

Editor's Note W

Editor
Moyra Burke-Smith

elcome to your Summer issue of NRBM. The weather is hotting up and so to is the tourist season. In our beautiful region this next nancial quarter is the cornerstone of many businesses survival for the rest of the year, we wish you all a busy protable season. For those who are looking forward to their own holidays, have a good break and dont forget all the wonderful things to do in your own area. Our cover feature this issue is on Nickel Energy a company that has become a powerful force in clean energy in both commercial and residential arenas. The industry has come a long way in the past 10 years from a utopian minority to a growing number of individuals and businesses that recognise that going green is both responsible and also nancially a great investment. We showcase a number of local businesses that have made the move to green energy and what the results have been. Employment and Training this issue highlights our local youth from the Aspire program for Stage 3 students, Career Pathways and the business benets of hiring young people. Also the launch of a new HR service designed specically for small businesses to help them with their HR as and when they need it, saving you a heap of time and money. Business Matters covers essential information to help your business including in IT Brad Lane unravels the mysteries of Cloud Computing and in Communications Scott Hales gives the lowdown on smartphones. Wed like to welcome Richard Smith from Smith & Smith Attorneys to our expert panel of contributors. Richard is a legal eagle with many years experience who helps businesses work through their legal issues. Finally Id like to wish a Merry Christmas and a prosperous New Year to all our NRBM advertisers, suppliers and readers.

Design
www.aguawebs.com info@aguawebs.com 02 6676 2980

Contacts
Editorial Contributions: editor@nrbm.com.au Advertising Enquiries/Media Kit: sales@nrbm.com.au Subscriptions & General Enquiries: admin@nrbm.com.au

NRBM
T: 02 6685 4516 F: 02 6685 4518 W: www.nrbm.com.au

Moyra Burke-Smith Editor NRBM NRBM is and always has been proud to only use local suppliers.

P: PO Box 130, Suffolk Park, NSW, 2481

The Small Print :


Notice: While every effort has been made to ensure the accuracy of the information in this publication the publisher accepts no responsibility or liability for any errors, omissions or resultant consequences, including any loss or damage arising from the reliance on information in this publication. The views expressed in Northern Rivers Business Magazine are not necessarily endorsed by the editor or publisher. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form, or by any means electronic, mechanical, photocopying, recording, internet or otherwise, without the prior written permission of the publisher.

Special Contributors
Roly Barrett, Greenup Australia, spends a lot of time on roofs across the Northern Rivers assessing solar potential and in restaurants counting lights (& drinking coffee). He enjoys working with local people and businesses to reduce their power use, save money and help the environment. Meg Nichols, General Manager EnviTE Inc, providing advice on the Northern Rivers employment market, recruitment, industry trends and best practice. Scott Hales, Barefoot Telecom, has been in the telecommunications industry for 14 years, he is passionate about providing exceptional customer service and building long standing relationships with his clientele. Leo Senese, Morgans, with 17 years of experience in the financial markets with Westpac, Goldman Sachs JB and RBS Morgans he is a specialist in income investments. His primary focus is to generate tax effective enhanced income solutions. Brad Lane, Crystaltec, has been in the IT industry for over 10 years. The team at Crystaltec provide a range of IT services tailored to suit the needs of business of the Northern Rivers. They are the leading provider in the area Windows Servers as well as Network and Systems Management. Mark Napper, Thexton Armstrong Napper, has 30 years of business experience both managing and owning several successful businesses. He specialises in helping business owners achieve their goals . Shane Bartrim, Collins Hume has over 15 years of financial and business development experience helping clients to improve their business and lifestyle. His specialisations include the medical and legal professions. Wayne Edwards, ANZ, Wayne has over 35 years banking experience, he heads up the ANZ Commercial & Agri business for North Coast NSW and his aim is to support the business community of the Northern Rivers. Richard Smith, Smith & Smith Attorneys has extensive experience in Court Litigation, including appearances in Local, District and Supreme Courts. His aim however is to assist clients with facilitation and resolution of their legal requirements as expeditiously and cost effectively as possible. Clayton Oates, QA Business, our Channel 7 business efficiency guru cuts through the red tape and helps you streamline your business to make things happen.

The paper used to produce this magazine is manufactured by an ISO 14001 environmentally rated mill.

www.nrbm.com.au

Summer 2014

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Make today the first day of the rest of your business. DOT (Digital Office Technology) has arrived in Ballina. DOT is the all-in-one fixed, mobile, and broadband solution. It manages your calls, gets you online, helps you work remotely, takes care of fax and EFTPOS. And it does it all on one bill. Visit Stephen McQueen at Telstra Store Ballina Today.

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www.nrbm.com.au

Contents
11 18

25

21

16-17

Business Matters
IT
Is the Cloud Your Future? Our expert explains the cloud mystery.

Cover Feature
11 12-15 Saving the Planet and Your Money 16-17

Banking & Finance


Budgeting made easy with ANZ. Is your super going to be enough to retire on? and SMSF Borrowing Strategies.

Whether youre a fully-edged eco-warrior greenie or bean counting nancier our cover feature organisation Nickel Energy has many ways to save the planet and your money. We showcase just some of the businesses they have helped and nd out just why going green makes such good nancial sense.

Legal Corner
Managing commercial disputes effectively.

18 20-21 22-25

Regulars
News 6-7
Keeping you up to date with news from the region, including The Round Up news from the regions chambers.

Communication
Find out how to get the best Smartphone for you.

Employment & Training


Giving our youth opportunities and a great new HR service for small business.

Business Matters

8-15 & 18-29

Covering the issues that matter to your business: Biz Tips, Banking & Finance, IT, Green Biz, Communications, Business Efciency and Marketing.

Pollies Points

30

Find out the key issues that your local pollie is ghting for you.

www.nrbm.com.au

Summer 2014

NEWS & EVENTS


Sustainability Message Hits Home at Expo
More than 600 Tweed residents ocked to the Tweed Heads Civic Centre to the Living for the Future Expo to speak to local experts and business operators about ways to cut their power and water bills, grow their own food and build more vibrant communities.

Inventors Forum
Inventors and entrepreneurs from around the region came together for a fantastic day of information and mentoring at the The Innovation Pipeline on the 31st October. Keynote speaker Ric Richardson, one of Australias most successful and international L-R Andrew, Peter and Ric inventors, joined forces with Peter Davidson, one of the key advisors and investors in PayPal and Andrew Stead, co-founder and director of investment group Sydney Angels and Ignition Labs. The day was organised by RDA Northern Rivers and provided a fascinating insight into the world of innovative development from getting venture capital, protecting your idea or invention through patents and looking at ways to kick start business through incubators and accelerators. The audience were also kept entertained by stories of success and failure that have been experienced rst hand by the panel of experts.

Win on Police Numbers for North Coast


Local Nationals MPs Don Page, Thomas George, Geoff Provest and Chris Gulaptis have welcomed the announcement by the Minister for Police and Emergency Services, Michael Gallagher that 90 extra ofcers will be put into the North of the State. We have fought hard to get this result and we appreciate the fact the Minster has taken our concerns on board, said Member for Ballina Don Page. Member for Tweed and Parliamentary Secretary for Police and Emergency Services Geoff Provest said the announcement shows the Nationals are delivering for North Coast Communities. These extra police will mean f a s t e r response times, more proactive (as opposed to reactive) policing and ultimately a reduction in crime, Lismore MP Thomas George said. These extra police will be widely welcomed by the people in the Clarence electorate, Clarence MP Chris Gulaptis said. In addition to more police, the OFarrell-Stoner Government has also given ofcers greater powers, as well as the latest equipment and technology to help in the ght on crime. the Coalition's approach so far has been consultative, and they seem genuinely committed to helping problem gamblers without hurting clubs and the communities they support," he said. "That's an approach the club industry is very keen to see continue now that they've won Government."

Bond University Assistant Professor Ned Wales at the opening panel discussion

Holidays Issue Sparks public Response


Clarence Valley Council has been swamped with public submissions on the question of gazetting event days or public holidays as local festival days. Included are Jacaranda Thursday, Maclean Show Day and Ramornie Handicap and Grafton Cup race carnival days. Council director for environment, planning and community Des Schroder said staff had received more than 300 submissions and petitions carrying over 600 signatures for council consideration. "We don't know which way the submissions have gone yet," Mr Schroder said. Mayor Richie Williamson described the number of responses to the controversial issue as fantastic. The responses provide councillors with a good cross-section of views from people with a passion for their community and planning for the sustainable celebration of the Valleys days of signicance, Cr Williamson said. Council staff will now analyse submissions and submit results to the next full council meeting in December. Mr Schroder said, "Council will make its recommendation, but the decision is made at State Government level." in the Ecotourism category of the Countrylink North Coast Tourism Awards on Sat 17th August. Byron Bay Eco-Cruises and Kayaks, who operate their excellent boat and kayak tours on the Brunswick River, will go on to represent the North Coast in the NSW State Awards. Find out more about their amazing small group morning, afternoon or sunset interpretive cruises and tours up the Brunswick River from only $25 per person go to www.byronbaycruises.com.au for full details.

"Stallholders were kept busy with inquiries from people wanting a range of information from home design, solar panels and hot water, LED lighting and home ventilation to environmentally-friendly pool solutions, eco-loans and cardboard furniture," Council's Sustainability Program Leader, Deb Firestone, said. "Visitors were interested in Aussie-made products and services and they enjoyed the convenience of being able to talk directly to numerous suppliers and manufacturers about products and services that will help them reduce their environmental impacts and save money. "There was also an excellent flow of information back to Council, with many people providing their suggestions for a more sustainable Tweed." Ms Firestone commented.

Clubs Call on Abbott to Keep Election Promises


Club managers and directors from more than 70 clubs have met at the Ballina RSL to discuss the election promises made by Prime Minister Tony Abbott and his government. ClubsNSW chief executive, Anthony Ball, said the agenda included new government's policies and the impact these policies will have on clubs, club members and staff. "In regards to gaming issues,

Brunswick Tourism Business Wins Gold


Congratulations to Simon and Lorraine Freedon and the Byron Bay Eco-Cruises and Kayaks team for winning Gold

06

Summer 2014

www.nrbm.com.au

THE ROUND UP
Grafton: Discover it all
designed by local graphic artist Jess Francis from Yoohoo Web & Graphic Design, Grafton. Jesss Grafton billboard concept design denitely wowed the selection panel and will denitely capture the attention of by passers. The Deputy Mayor, Craig Howe, who chaired the selection panel said Utilising these spaces to attract the attention of visitors, encouraging them to visit Grafton and hopefully extend their stay, can only enhance and boost our economy in the Clarence Valley. The design promotes the city of Grafton by showing multiple aspects of whats on offer and encourages visitors to Discover it all. This appeals to potential tourists and implies that you could spend a long time here with so much to see and do.

Hot Rods & Edible Gardens


Yamba was revved up on the 9th November due to the arrival of hundreds of Hot Rods. They have been coming to Yamba for over 20 years. A beautiful sight in our CBD. Yambas Edible gardens are looking a picture. With an added donated Mozaic, making it a very happy place. Everyone is welcome and encouraged to help themselves to the herbs and plants. Enjoy. Yamba is looking good in the lead up to Christmas. We encourage all to Shop Local in all small communities so these small businesses will continue to ourish and grow for your convenience. Our beaches have been painstakingly cleaned up after our oods in January. They are pristine and welcoming. The Yamba Chamber website is a great way to start looking at Yamba: www.yambansw.com.au and the Chamber members businesses websites. Yamba Chamber will be hosting the Yamba Writers Festival 2014 on the 31st May and 1st June 2014. The Clarence region has an abundance of writers, poets and thinkers and some, along with the featured writers at the Festival, have published works in Australia over many years as well as internationally. Visiting writers are all devoted to giving help, advice and direction to new and upcoming writers so as they might move forward in the local and national literary scene. Tickets go on sale in January 2014 go to: www.yambawritersfestival.com for full details.

Wow..have you seen the new Grafton billboards located on the Pacic Highway on the Northern entrance to Grafton and on the Gwydir Highway? Grafton is the focal point for the intersection of three major highways, the Pacic Highway, Gwydir Highway and the Summerland Way. The billboards are a great way to attract through trafc and visitors to Grafton. Mayor Richie Williamson said Local graphic artists were invited to submit concepts for the new billboard design. The new signage was successfully

Strong Growth in Lismore


The Lismore Chamber held their Annual General Meeting in November and is pleased to announce the following new Board Members: Ellen Kronen (Leumesin Design), Lauren Bosler (CBA) and Rodney Jenkins (Property Professionals Australia). They join the Lismore Chamber Board at an exciting time which has seen Lismore Chamber achieve strong growth in both membership numbers and event attendance. We look forward to the New Year and continuing the success with the Tri-series training events to be rolled out next year to provide more value to the members of the Lismore Chamber of Commerce and a continued improvement in the business environment. Lismore Chamber would like to acknowledge retiring Chairman David Martin (Instyle Sleep Centre) and previous Vice- Chairman Kim Vincent (Multitask Human Resource Foundation) for the hard work and passion they have brought to the Chamber. Kim and David have been instrumental in Lismore Chambers growth and recent success and we wish you every success in your future ventures.

Byrons New Board

Things have evolved. Byron United has ve fresh faces on the board providing us with a balance of gender. It's a dynamic team of experts that are already hard at work. The future of Byron United lies in its engagement with its members, this will be a key element to the new board's direction. We are looking forward to hosting a number of events and forums for our members in 2014. At our recent AGM we thanked our Byron United grafti busters, Paul Waters and Mike Eastwood for their super human efforts to combat the

towns grafti. In the past year the beautication project has tackled a huge amount of grafti and has plans to continue to do so in 2014. I attended the Council's Business Roundtable meeting last week. Much of the discussion involved the Christmas / New Year period - our town's peak trading time. The proposed 12 day "Park and Ride" is likely to happen. It is a trial by Mayor Richardson and we fully support him in his efforts to reduce the peak period trafc delays into Byron Bay - perhaps the main negative element of our visitor's experience.

www.nrbm.com.au

Summer 2014

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BUSINESS MATTERS

GREEN BIZ

Efficient Business Lighting


Roly Barrett, Greenup Australia

ighting is often your businesss highest electricity cost, so Case Study 1: Caf it is also your greatest opportunity for savings. Return on Installation: Upgrade 50 x halogen downlights with 10W LED investments can be attractive, energy savings can be signicant downlights and lighting is a reliable and easily quantiable investment. Cost, including installation $3000 Theres already some nancial help for businesses interested in Energy Savings Discount $500 installing energy-efcient lighting. The NSW Government's Energy Total Cost $2500 Savings Scheme (ESS) provides nancial incentive for owners Estimated Energy Savings per year $2606 or tenants of commercial and industrial premises to retrot their Payback Period 0.95 years premises with a range of approved energy efciency products, Case Study 2: Workshop including lighting. There are two main options for lighting projects Installation: Replace 10 x highbay with 100W LED highbay, within the Energy Savings Scheme: 20 x halogen downlights with 10W LED downlights & 20 x 1. commercial lighting, for lighting retrots in commercial or uorescent tubes with T5 LED linear industrial facilities Cost, including installation $7250 2. halogen lighting replacements, for the replacement of 50W Energy Savings Discount $1305 halogen downlights. Total Cost $5945 The savings from lighting upgrades can be dramatic. Estimated Energy Savings per year $6403 Some other tips for reducing your lighting bill are: Payback Period 0.93 years Consider removing unneeded lighting from areas with excess replacing all the lights in an area at the same time, near the end lighting levels of their useful life Replace incandescent globes with energy efficient alternatives Lighting systems that are more than 10-15 years old are ideal that can use as little as 10% of the electricity of an incandescent, candidates for an upgrade while lasting as much as ten times longer Dust lights - believe it or not, up to 50% of light reduction on Exchange exit sign lighting with longer-life alternatives fixtures and lamps can be caused by dust. Light reflectors can be a good alternative to fluorescent lights To nd out more about commercial, industrial and domestic Replace your out-dated fluorescent tube lights with newer, more efficient models with electronic ballasts or LED fluorescent lights energy-efcient lighting needs call 1300 286 977 or go to: Because the light output of a fluorescent light decreases as www.greenup.net.au and remember that now more than ever - "It it ages, while using the same amount of electricity, consider Pays to be Green".

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BUSINESS MATTERS

BIZ TIPS

Business Growth - Sales and Marketing Strategy

Mark Napper, Thexton Armstrong Napper

ast edition we identied Sales as the number one challenge to business growth. This edition lets look at strategies to increase sales. Every business can be scaled up, the key is to establish what you, the business owner ultimately want to achieve. Many business owners have an idea or a Growth Target in mind but often it is not specic, not in writing, no action plans and not timebound. Without a Business Growth Plan the business will lack direction and be reactive by focussing on the short term and immediate rather than the long term and strategic. Therefore, the rst step for every business owner who wants growth is to build a Business Growth Plan, remember:

If you don't know where you are going any road can take you there Lewis Carroll , Alice in Wonderland.
Every business needs to actively encourage customers to buy from us not them. This takes careful planning to establish a point of difference that works for your customers. This strategy is vital for businesses where there is high competition and low differentiation of product or service. Marketing guru Philip Kotler denes a companys value proposition as the set of benets it promises to deliver to consumers. Dont have a value proposition? Think about what a bad example of your product or service looks like and compare it to your product or service. For example a curtain retailer says to their clients here are 4 things that most other makers get wrong with

their roman blinds.. heres an example of poorly hung blinds with gathers in the seams which makes the blinds ripple not smooth heres our ones that always look like this. Straight away the discussion is no longer on price but about value. The next step is to determine your strategic marketing position, how you communicate the benets/values of your product or service to potential customers such as: where you sell your product; how you make it; where you make it and of course price. Establishing your target market is another critical step and importantly the target with the greatest prot potential. Unfortunately I often see marketing pieces written or sales campaigns started without direction, resulting in campaigns being launched aiming to appeal to everyone and more often than not appeal to no one. You need to know everything there is to know about the people you are trying to reach and importantly how they feel about your product or service. My dear, here we must run as fast as we can, just to stay in place. And if you wish to go anywhere you must run twice as fast as that. Lewis Carroll, Alice in Wonderland Many business owners end up like Alice, so outsource the experience and business tools and diagnostics to help you achieve the breakthrough in sales growth to achieve real business growth call 0413 007197 for more information.

A Sports Team has a Coach An Athlete has a Personal Trainer Whos Helping You Grow Your Business?
How is your Business Performing?
Do you earn enough to live the lifestyle you dreamed of? Are your expenses climbing and sales slowing? Is your competition growing and overtaking you? Do you have cash flow problems? Are you thinking about retiring? Make your Business STRONGER, not Just a Job, but a valuable asset for you and your family.

For A Free Condential Consultation, Call Mark Today: 0413 007 197 www.thextonarmstrong.com.au
10

mark.napper@thextonarmstrong.com.au
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BUSINESS MATTERS

IT

Is The Cloud Your Future?


Brad Lane, Crystaltec ts unlikely that you havent heard of The Cloud, unless youve been living in a faraway place in the jungle, and even then technology is everywhere these days. Although everyone is talking about it that doesnt mean everyone is comfortable with it or understands how it works. So what is Cloud Email Hosting, what does it really mean and whats good about it? Lets start with a basic lesson on email addresses. Most businesses have an email address like kylie@kyliesdancestudio.com. The part after the @ is called the Email domain (@kyliesdancestudio.com) and in this example Kylie owns that email domain. This is great branding for your business, looks very professional and is low cost. Other businesses have an email address with their internet provider or a free online service like kyliesdance@bigpond.com or kyliesdance@ hotmail.com. If you dont have your own email domain dont worry, it can be easy to make the switch. Either way you may not be getting all of the benets you could be getting with Cloud Email Hosting: Save money pay per month, and only for the email accounts you use. Cloud hosting is a scalable solution that grows with your business as and when you need it. Maintenance Free with a traditional setup you may have your own email server in your ofce. With Cloud hosted email you dont need your

own server. This means lower costs for your business as you dont have to invest and maintain hardware. Anytime, Anywhere access your emails from any device, anywhere. PC, Mac, Smartphone, tablet or even from any web browser using any internet connection, anywhere in the world. And they all talk to each other, so if you send an email from your iPhone you can see it on your ofce PC. Room to grow and send dont be restricted by email account size quotas or size restrictions when sending attachments. The allowances for cloud email are very generous. Spam and virus protection Cloud hosted email includes email protection such as industry-leading Cisco IronPort. This works to sense threats to your email and to more accurately identify spam. 100% Australian hosting trust that your emails are kept in a secure environment with faster access than overseas hosting. Increase Collaboration and Productivity - You can manage contacts, calendars, tasks and share them across the email accounts in your business. Delegation is also made easy between staff. To nd out more about how the cloud can work for your business email: cloud@crystaltec.com.au or call 1300 85 99 80.

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Fiona Preston (middle left) with the ANZ Byron Team

BUSINESS MATTERS

BANKING & FINANCE

Budgeting Tips
Fiona Preston, District Manager, ANZ ow are your nances tracking? We usually know how much money is coming into our bank accounts, but do you really know where it all goes out to? If your money is tight or youd like to save for a goal, the following tips will help get you on the right path to achieving your future goals. 1. Save off the top. Put a regular amount into a high interest savings account as soon as youre paid then you dont have the opportunity to spend it and it gets you into a regular savings habit; you may not even notice its gone after a while! 2. Be realistic with your budget. By having a budget in place you can work out what you can afford for your discretionary spend and save for things that you want. You still have to enjoy living, keep this in mind when setting your budget so that youre more likely to stick to it over time. 3. Reduce your personal debt. Non-deductible debt is not benecial in good times or bad, especially if the loan is unsecured (such as a credit card or personal loan), which generally attract high interest rates. Try to avoid building up debt unless it is an investment strategy where you are after the leveraging and taxation benets. 4. Plan for the future. Dont underestimate the importance of superannuation in planning for your retirement - whatever your age. Superannuation shouldnt be a scary word - you can be as conservative or as aggressive as you like within your Super fund, and the Government has many useful strategies such as salary sacricing, spousal contributions,

co-contribution, and Transition to Retirement strategies that may benet you. Find out which of these suit you and look to maximise your retirement benets. 5. Protect, protect, protect Consider strategies for protecting your income and assets, like having the right insurance policies. Consider protecting your income or the contribution you make to the household in case something happens and youre unable to work or perform your duties due to an illness or accident. No doubt youve also spent a long time saving up the money to purchase your assets, so make sure they are protected. 6. Always seek professional advice. It is important to have your own views, goals and objectives, however the nancial environment changes on a regular basis and it is important to ensure that your strategies are not only relevant to your personal situation, but are also up-to-date, don't breach any rules and provide the best outcome for you. To help assess whether your accounts suit your needs and support your plans for the future, visit the team at any ANZ branch in the Northern Rivers district for your complimentary A-Z Review.
The information in this publication is current as at 16 October 2013. The information is in summary form and does not purport to be complete. It is intended as a general guide only and is not a substitute for professional advice. The information does not take into account your personal needs and nancial circumstances and you should consider whether it is appropriate for you.

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#To be fully Buy Ready you must apply for an ANZ home loan and complete an application form and you must receive an Approval in Principle. An Approval in Principle is an approval for a loan subject to the security being adequate. Terms and conditions, fees and charges apply. All applications for credit are subject to ANZs normal credit approval criteria. Estimated value range in Property Profile Report are based on public sales history only. Sales history and past performance is not indicative of future performance. Over the past 15 years, ANZ has been awarded Home Lender of the Year by Money magazine in 2012, 2010 and 2008-2005, and Personal Investor magazine in 2005, 2004 and 2002-1999. ANZ Buy Ready is a trade mark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527. ANZs colour blue is a trade mark of ANZ. Item No. 90056 10.2013 W363705

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363705_ANZ NORTHERN RIVERS PRESS AD_90056.indd 1

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19/11/13 2:26 PM

BANKING & FINANCE

BUSINESS MATTERS

Kai Hanson, Morgans

Can You Retire Comfortably?


strategy thanks to the franking credits. Below is a summary of this strategy vs investing directly in the shares:

1 in 6 working-age Australians said they will never be in a position to retire fully Latest ATO statistics for SMSFs show 17.5% of members are under 45 years old and 24% are 45 to 54. Mostly in the asset accumulation phase, many of their super contributions come from Superannuation Guarantee (SG) payments and salary sacrice. The maximum concessional contribution per member, for 59 and under, is $25,000 per year. Using instalment warrants in a Self Managed Superannuation Fund (SMSF) Looking at a strategy worth considering for younger (accumulation phase) SMSF clients. For example: a portfolio of ve blue chip stocks investing $10,000 in each (warrants are based on: NAB, ANZ, WES, TLS and SUN). Using the newly launched Commonwealth Bank instalment warrant series IYB. There is also an IYA series which is 50% geared. The key features of these warrants are: Approx. 70% geared Effective interest rate in 7% - 8% range Interest deductible capped but in this case 98% deductible Expiry July 2015 when second payment is due Non-recourse so on expiry can choose not to make second payment but if you do then you forfeit the initial capital invested A new series may be offered on expiry to roll into if you wish to defer making cash payment Meanwhile you receive all dividends and franking credits No stop loss, no margin calls Traded on ASX Over the life of the instalment warrants this is an after tax positive

These gures above were based on their dividend and franking forecasts. So what are the downside risks? The initial capital outlay could all be lost if share prices decline steeply and remember leverage increases downside risk, so for a 70% geared product the initial value declines pretty quickly. However, the benet of using a portfolio of shares is that you can isolate individual share price declines so they dont spread to other holdings. If a company either doesnt pay a dividend or pays a lower dividend. Changes to superannuation or tax laws or rapidly increasing interest rates, which affect the assumptions this strategy is based on. Risk also resides with the issuer. How do I go about investing in instalment warrants? Firstly you need specialist advice to ensure you select the most appropriate warrant investment according to your risk tolerance and investment objectives. Advisors in Morgans Ballina are fully accredited to provide advice in relation to derivatives (options & warrants).

RBS Morgans has changed its name to Morgans and has partnered with a leading Asia Pacic investment bank, CIMB.
The quality service and advice that clients have come to expect from Morgans remains the same.

perspective
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To change your future, shift your

While our reputation was established in stockbroking, our clients now access a complete range of nancial services:
Stockbroking Self Managed Super Fund Fixed Interest and Bonds Financial Planning New Floats Superannuation Advice Portfolio Administration Retirement Planning Wealth Protection Cash & Term Deposits

Morgans and CIMB Please visit www.morgans.com.au to understand the products and services within our alliance.
Morgans Financial Limited ABN 49 010 669 726 AFSL 235410 A Participant of ASX Group A Professional Partner of the Financial Planning Association of Australia

Call us or visit our website to speak to one of our experienced advisers.


07 6686 4144 | www.morgans.com.au/ballina-byronbay
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BANKING & FINANCE

BUSINESS MATTERS

SMSF Borrowing Strategies


Shane Bartrim, Collins Hume

n 2007 the government changed the laws allowing SMSF trustees to borrow to acquire shares, residential and commercial property. In 2010, the borrowing rules were tightened to ensure that borrowing by a SMSF trustee is pretty much limited to residential, commercial and rural property. Many Collins Hume clients have structured tax effective loans for their SMSF or, as we prefer to call them, Family Super Fund. With over 30,000 SMSFs now borrowing to acquire property, it is a great time to share some strategies you may wish to consider: Transferring property into a SMSF - a member may wish to transfer business real property that they or a related party own into the fund by way of a borrowing arrangement. But watch out for CGT and stamp duty. Business real property includes farmland, ofces, factories and other commercial property. Buying Big - Borrowing lets the Trustee of a SMSF obtain leverage to acquire those assets that normally would be out of their reach. However care should be taken, as borrowing not only magnies gains but will also magnify any losses. Acquire Business Property - Where a family trust, company or partnership owns a property from which the family business operates, this could be transferred to a SMSF as a mix of contributions and SMSF Loan by a related party. In certain

circumstances the owner of the property may be able to use the small business CGT concessions in relation to the business property transfer. Transferring more assets into a SMSF - The contributions rules limit the dollar amount of contributions that may be contributed to a fund. However if the member wants to transfer a commercial property they own into their SMSF, they can use loans as well as contributions. There are no set LVR requirements for related party loans subject to the arms-length rules. Use SMSF Loans regularly - Once the SMSF trustee is comfortable using a SMSF Loan arrangement, they may want to enter into more than one arrangement to help build a portfolio of properties or shares. There are a number of important advantages for a SMSF trustee that successfully carries out a borrowing arrangement to acquire shares, managed funds, residential property or commercial property. By using a SMSF Loan arrangement it adds another level of growth and savings potential for the trustee and a greater degree of nancial control. However, as with all investment strategies it should be considered carefully and professional advice should be sought. For more information go to: http://www.collinshume.com.au.

What does SMSF borrowing look like?


There are a number of important advantages for a SMSF trustee that successfully carries out a borrowing arrangement to acquire shares, managed funds, residential property or commercial property. Certain strategies are not suitable for all funds, so SMSF trustees should seek professional advice based on their own circumstances. Talk with Collins Hume about doing this in a structured manner.

02 6686 3000
97 Tamar Street, Ballina mail@collinshume.com.au www.collinshume.com.au
CPA Australia Top 40 Young Business Leaders Award Winner 2012 and 2013

Building partnerships. Guiding strategy.

collinshume.com.au
www.nrbm.com.au 15

COVER FEATURE

Saving the Planet and Your Money

hether youre an eco-warrior or a shrewd businessperson the fact is green energy saves money and lots of it. If your business is suffering from high electricity bills its safe to say that the situation is going to get a lot worse, carbon tax or no carbon tax. The sensible thing to do is take a look at sourcing your own power. With a massive 6.4 mW of solar installations behind them and many more ahead, Nickel Energy is a trusted, reliable and experienced local solar provider. Started in 2008 they had a simple vision to power local communities with clean, renewable energy. Since that time, they have worked with state and local governments, businesses, charities and organisations, advising on commercial solar energy, solar hot water and energy efciency. Their team of expert designers and installers provide local, national and international experience and are dedicated to creating efcient, practical commercial and residential solar solutions.

RICHMOND DAIRIES
Richmond Dairies has a goal of powering its administration building with renewable energy. Their skilled team calculated the daily consumption of the building and provided that data to Nickel Energy. The technical team used that information and recommended a 30 kilowatt solar system size for them. Working in collaboration with the team at Richmond Dairies, they designed a solar system to maximise efciency and output. Once all approvals had been completed, the roof installation of more than 120 panels was completed in under 4 days, with the electrical work completed soon after. OFFSET EQUIVALENCIES - 63 cars off the road, 2555 trees planted and 48 tonnes of carbon dioxide offset. SYSTEM DETAILS System size: 30 kilowatts Panel type: Conergy PowerPlus 250 watt - German manufacture Number of Panels: 123 Inverter type: SMA 15000tl Tripower German manufacture Number of inverters: 2

WESTPAC LIFESAVER RESCUE HELICOPTER


The Westpac Lifesaver Rescue Helicopter Service provides vital rescue and emergency services across New South Wales. The Lismore branch of this important service was facing everincreasing electricity prices and was concerned that critical funds were going towards ongoing electricity bills rather than towards life-saving equipment or services. To ensure the best results and cost savings, Nickel Energy measured the energy consumption at the Lismore Westpac Lifesaver Rescue Helicopter base and calculated the ideal system to provide the best savings and results for the WLSRH. The 13.5 kilowatt system comprised of Conergy 250 PH panels and SMA inverters was installed with minimal disturbance to the base and, most importantly, no interference with their vital work. Nickel Energy commissioned this system on the 30th of June, 2013. OFFSET EQUIVALENCIES - 28 cars off the road, 1150 trees planted and 21 tonnes of carbon dioxide offset. SYSTEM DETAILS System size: 13.5 kilowatts Panel type: Conergy 250ph Number of Panels: 54 Inverter type: SMA 12000tl Tripower - German manufacture Number of inverters: 1

16

Summer 2014

www.nrbm.com.au

COVER FEATURE

delighted with the solar power system, especially in this era of rising power prices. Neil Easter, Principle, Summerland Christian College:
Their experience in large, medium and small-scale solar systems is extensive and diverse and has been developed through more than 150 commercial solar installations and hundreds of residential installations. This knowledge allows them to plan every installation with the minimal impact on your business or home. Nickel Energy is a fully accredited member of the Clean Energy Council of Australia. Founded on honesty, transparency and a dedication to offering valuedriven solutions, they are experienced in commercial, industrial and government solar installations. Their commitment to quality and safety is a cornerstone of the business. Strict processes ensure that the systems offered are based on actual energy needs and consumption for residential and commercial clients. East Lismore Shopping Centre is a case in point and owner Barry Robinson comments: Any landlord that has a stable tenant with large electricity use should consider solar. From steel fabricators to food preparation, supermarkets to bottle shops, you will often nd that they are paying more in electricity than in rent. You dont have to believe in climate change or the carbon tax Solar makes money now! Another happy customer is Summerland Christian College, Principal Neil Easter comments that they are: delighted with the solar power system, especially in this era of rising power prices. It has been a blessing to have the system installed and we appreciate the excellent service and efciency of Nickel Energy in establishing this asset under the Federal Government's National Solar Schools Program. From their purpose built Clean Energy Centre in Lismore the team also offer residential and commercial air-conditioning, solar hot water, photovoltaic/thermal systems and maintenance. It makes serious nancial sense to invest in solar power for business. In our experience one of the largest expenses for business is their electricity bill. So solar provides a solution, our customers are reporting up to a 20% ROI from their systems. Its simply a win win. says Commercial Manager Andy Turnball. So you dont just have to be a Greenie for solar to make sense, it has solid nancial benets enough to please any bean counter. To nd out more visit: www.nickelenergy.com.au.

OUR HOUSE LISMORE


Our House provides quality accommodation and support to cancer patients receiving treatment in Lismore. This amazing facility was built based on generous support from the local community and government agencies. After donating a solar system in 2012 to the Our House administration building to help support their vital work, Nickel Energy was thrilled to install a 15 kilowatt solar system at Our House itself. As energy costs are the second highest expense for Our House, this system will help to offset signicant electricity costs, as well as providing key environmental benets that renewable energy offers. OFFSET EQUIVALENCIES - 32 cars off the road, 1278 trees planted and 24 tonnes of carbon dioxide offset. SYSTEM DETAILS System size: 15 kilowatts Panel type: Perlight 250 watt Number of Panels: 60 Inverter type: SMA 15000tl Tripower German manufacture Number of inverters: 1

"The solar panels are an item that will bring substantial economic benefit to the overall running of Our House." Rebekah Battista from Our House:

LJ HOOKER EVANS HEAD


Like many of its clients, LJ Hooker Evans Head was facing increasing energy costs and decided to consider options to help offset both financial and environmental costs through renewable energy. By installing their 10 kilowatt solar system on their Evans Head office, LJ Hooker is benefitting from both an immediate reduction in energy costs and proofing their business against future energy cost rises. OFFSET EQUIVALENCIES - 21 cars off the road, 852 trees planted and 16 tonnes of carbon dioxide offset SYSTEM DETAILS System size: Panel type: Number of Panels: Inverter type:

You dont have to believe in climate change or the carbon tax Solar makes money now! Barry Robinson, owner East Lismore Shopping Centre

10 kilowatts Conergy 250ph 42 SMA 10000tl Tripower German manufacture Number of inverters: 1

www.nrbm.com.au

Summer 2014

17

BUSINESS MATTERS

LEGAL CORNER

How to Manage Commercial Disputes

Richard Smith, Smith & Smith Attorneys

n everyday life disputes arise involving an individual, a business or company invariably over money or sometimes over an issue not involving money such as failure to abide by aspects of agreement. Quite often an initial discussion between those affected fails to rectify the problem, resulting in one or the other seeking legal advice. At all times, however, commercial reality must overrule the emotional aspect of any dispute. I have had many instances of becoming involved in matters at a point in time where precious time has already been lost that could have been gainfully employed in possibly defusing the issue. My primary advice to anyone involved in a dispute is always to remember to seek legal advice sooner rather than later. If a commercial dispute arises and you feel it necessary to consider your options I suggest the following points are relevant, but not exhaustive. Obviously what needs to be done depends on the individual circumstances of each case. 1. Ensure you have all the relevant paperwork in relation to the dispute.

2. Make a detailed note of the circumstances giving rise to the dispute, setting out the name of the person or persons involved and relevant dates and actions. 3. Make an appointment to discuss your legal options. Prior to the initial conference forward the material available to the issue and a prepared statement of facts. That way your legal adviser has an awareness of the matter before the initial consultation. This saves you both time and money. 4. At the initial conference discussion will consider what remedies are available to resolve the dispute, depending on whether the position is one of seeking a remedy or disputing an issue, money or otherwise. 5. If you are the person who is seeking a remedy in a dispute, an attempt should be made with legal assistance to resolve the situation before taking the step of commencing proceedings in either a Court or a Tribunal. Commencing formal action will, of necessity, add to the legal expenses. 6. If you are on the receiving end of a dispute, consideration of the claim being made against you again needs to discussed with legal assistance and whether, on a commercial basis, settlement is appropriate. 7. No matter which side of a dispute a person or entity is on, at the end of a contested hearing in a Court or Tribunal usually the unsuccessful party pays the costs of the other party. Information provided here is of a general nature and individuals should seek professional advice before embarking on any dispute proceedings. For more information on commercial disputes please call 02 6685 8411.

SMITH & SMITH ATTORNEYS


Court Appearances Commercial Requirements Litigation Legal Costs Disputes
Richard A. Smith SOLICITOR

Ph: 02 6685 8411 Fax: 02 6685 7788 Mob: 0449 294 241
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Email: bbb@ozemail.com.au www.dicksmithlegal.com.au

61 Centennial Circuit, Byron Bay, NSW 2481 Postal: PO Box 1636, Byron Bay, NSW 2481
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Saving The Planet And Your Money. Win Win.


At Nickel Energy we love helping local businesses save power and energy but what we really like is saving businesses money. Its good for the environment but even better for your bottom-line. We call it our Win Win Solution. As part of our comprehensive, value-based service, we will develop a true understanding of your energy use and then apply the right system conguration to maximise your savings. Add to that our industry-beating 7 year warranty and youll have complete peace of mind that your energy solution will save money for your business and lower your environmental impact. Its all about Win Win.

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BUSINESS MATTERS

COMMUNICATIONS

Your Phone Line is a Lifeline

hen youre in business the phone line is a vital link between you and your customers for sales, customer service and after sales communications. Consider what your business would be without this lifeline?

From whole-of-business solutions to individual options, theyve got the range of products with personal, local service. They can meet at your work site or at the Ballina Store. No business can afford a breakdown in communication so ensure

Air T&G Ballina based Air T&G is a thriving local business which just a short time ago was operating on just a single phone line, fax line and a mobile and they were missing important calls from customers. They often missed calls due to multiple calls coming in at once, which could not be attended at the same time. Ofce Manager, Sandy McGauley contacted Stephen McQueen, their local Telstra specialist for advice. Stephen Comments, Our rst priority was to ensure that Air T&G had a exible system that worked effectively in their business, giving them the mobility they need and ensuring they can stay in touch with their customers. The phone system was upgraded to 2 lines, a phone system that includes cordless phones that can be carried around the main site and a holding system where they can have their own advertising message running, giving customer information on the business while they are on hold. We no longer miss important customer calls and we have a professional system for holding calls as well. Were a professional business and our phone system was letting us down, thanks to Steve and his team were now professional on the phone as well as in the air. Georgie Latimer (owner) commented. The upgrade has proved particularly important as the Air T&G team have been down south on helping out with the bush re emergency and have had to deal with important phone calls from emergency services. The new system has meant that they have still been able to avoid missing important messages and calls while out helping communities at this devastating time. Stephen from Telstra Store Ballina comments: Were a locally owned and operated business, so we understand what it takes to run one. Thats why we make it our top priority to get to know your business and nd the best Internet, mobility and voice solutions to suit how you work.
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COMMUNICATIONS

BUSINESS MATTERS

Which Smartphone is For You?

Scott Hales, Barefoot Telecom

here are so many choices of smartphone these days, its hard to know which one is the right t for you. Its easy to get caught up in all the jargon but at the end of the day what does it all mean? Is having a dual-core Qualcom snapdragon processor better than a quad-core Krait and is a Super AMOLED HD screen better than an LCD? Heres something the manufacturers wont tell you, they all do fundamentally the same thing, the major differences come down to 4 points. 1. Operating system: There are three main operating systems on the market at the moment, IOS (Apple I-phones), Android and Windows. Each of these has their good and bad points but it really comes down to personal preference as to which one you want to use. For those that have never used a smart phone, its a good idea to see one in action before you purchase it so you can get a feel for how the phone works. Check out different ones through work colleagues and friends. 2. Memory; each phone has a different amount of memory ranging from less than 1Gb to 64Gb. Some phones will also allow you to use a Micro SD memory card to expand the memory. Depending on what you are going to use the phone for you may need one with more memory.

3. Network Band; Many people dont realise that each mobile network operates on multiple frequencies. Each phone will be able to pick certain frequencies but not all. It pays to make sure the phone you are looking at is compatible with all your carriers frequency bands to ensure you get the best reception you can. It would be a shame to buy a phone that only operates on one of your carriers bands and you lose signal in places you used to have reception. 4. Camera; the camera on a phone is becoming more of a selling point than the phone itself. Some of the new smartphones have better cameras than some digital SLRs that retail for the same price. Be careful though, although the phones camera may be high resolution and have some great bells and whistles it is still a phone with a camera built in. It is important to be realistic about how well the camera will perform in different conditions. If you are after a camera, I suggest buying a camera, not a smartphone because of the camera. When its all said and done, you will be hard pressed nding a phone that doesnt do everything you want and more (unless youre a phone geek like me!). For more information go to: www.barefoottelecom. com.au.

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www.nrbm.com.au 21

BUSINESS MATTERS

EMPLOYMENT & TRAINING

Local Youth Aspire


ocal company CONNECT Northern Rivers is a not-for-prot organisation creating partnerships between schools, businesses, community groups and families to address local skills needs, assist business to achieve sustainability and to support our next generation to realise their full potential. The ASPIRE program is one project which CONNECT are involved with. Allison Lonsdale, Partnership Broker comments: ASPIRE was a huge success this year. We have received some wonderful and constructive feedback and a huge amount of encouragement to continue the program in 2014. This year the ASPIRE program included all Far North Coast schools. In the programs humble beginnings the pilot school Tweed Heads South Public; provided an opportunity for 4 other local primary schools to access their career market day Dream Big with an aim to increase awareness of career and educational pathways that raise the aspirations of transitioning students and their parents. 48 students from these schools were then selected to travel to Grifth University with an aim of raising awareness of University and broadening their career aspirations. In 2013 the program was lucky enough to get the attention of the School Education Director, and was successful in requesting that the model be expanded to other Far North Coast area schools. Once they had the go ahead a hard working steering committee was formed as a partnership to ensure the program was a success. This year the program was renamed ASPIRE and has grown exponentially, 191 students and 59 parents participated in the Launch into Life program hosted by Grifth University. In addition to this a further 2 career market days hosted by Crystal Creek and Bogangar Public Schools were established. The 3 career markets were attended by approximately 450 Year 6 students and 50 parents.

There have been new stage 3 Career units of work developed and linked to the NSW Syllabuses for the Australian Curriculum and 25 public schools in the region utilised these. The key areas that APIRE targets are: Raise the aspirations of young people in stage 3 in all FNC Government Primary Schools by incorporating career education in key learning areas. Increase the ability of parents to support their young peoples educational experience by raising awareness of career pathway options. Enhance current High School transition programs through participation in Primary Career Market Days, Academic and Industry tours and Career Advice support. Further develop the skills of teachers in raising aspirations of students through Professional Learning. Broaden the opportunities that provide all students, with an emphasis on low-socio-economic and Aboriginal students, and their parents access to a Tertiary experience. For more information go to: www.connectnr.com

Got Skills? Pass them on


Employers see the future in the next generation.
If you want to secure the future of your business you need to train the next generation of employees.

If you want the best - you need to invest!


Adopt this motto and your business could benet from hiring the younger generation and you could be a part of skilling up the future. Innovative employers are already reaping the benets of hiring School Based Apprentices & Trainees or taking on student Work Placements - now you can too! Go to www.sbatinnsw.info and nd out more about School Based Apprenticeships & Traineeships, or www.workplacement.nsw.edu.au to nd out more about Work Placements.

CONNECT

Phone. (02) 6622 4199 Email. leanne.ogrady@connectnr.com

www.connectnr.com
22

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EMPLOYMENT & TRAINING

BUSINESS MATTERS

A Case For Employing Youth

hile the general unemployment rate to September 2013 for Richmond-Tweed and Mid-North Coast was 6.2% (ABS Labour Force Survey), youth (15 24) was 14.9% and youth (15 19) was an alarming 26.3%. So why consider employing young people? EnviTE General Manager, Meg Nichols says young workers can become loyal and valuable employees who will form the basis of your businesss future. They can also bring new enthusiasm and ideas and are not afraid of technology or change, Meg says. The Fair Work Ombudsman offers a Best Practice Guide to employing young workers. If best practice principles are applied, your guidance and support for young employees can shape their attitude to work. This will benet not only your business but also that young persons whole working life. Taking the time to explain basic workplace practices to young employees will pay dividends: Their entitlements to annual leave, personal leave and the payment of wages Your process for authorising different forms of leave and the date and manner in which wages are paid What an employee should do if theyre unwell and cant come to work Your workplace health and safety rules Your performance management system

You should ensure your young employee has someone they can approach if they have any questions about their employment. Treating young workers well can give your business a good reputation in the marketplace. You could become known as a preferred employer among local youth and attract the very best candidates to your vacancies, Meg says. Training is an important part of motivating young employees. Young workers are usually eager and willing to learn. They are more likely to apply for jobs when they know they will receive training. Training can help ensure a safer work environment. If a young worker asks to undertake a work related training program, consider it seriously - it may ultimately improve workplace morale and productivity. A buddy or mentor can be particularly effective to help young employees settle in, improve their skills and remain loyal, which will reduce staff turnover and increase productivity. Consider opportunities for traineeships and apprenticeships. Apprenticeship schemes can be of great benet to both employers and young employees and nancial incentives are available. EnviTE Employment Lismore Team Leader, Judy Maxworthy, who presides over a Job Services Australia youth specialist contract, offers a challenge to local employers. If you care about our community, why not give a young person a go today? For more information call EnviTE on 1300 989 369 or visit www.envite.org.au.

You can increase productivity, capability and staff retention by employing young people
EnviTE Employment can help you contribute to reducing youth unemployment rates by: Presenting young candidates with desirable employability skills Helping you prepare a training plan to quickly improve young employees skills Assisting you to access relevant apprenticeship or traineeship schemes Nurturing your young employees up to six months following placement Explaining how you can become a preferred employer among local youth We also provide a Job in Jeopardy service: if you have a young employee whose job is at risk due to a disability or mental health condition but could keep it with additional support, contact us.
My thanks to the EnviTE Employ ment team, who collaboratively w worked ith us in the screen in g and training of ap young personnel propriate for our Aquatic Ce ntre. The process in a professional m w as de alt with anner and it was a pleasure workin g with them to achieve the idea l outcome.
Roz Robinso n - College M anager, Trinity Catho lic College Li smore

Phone 1300 989 369 E-mail: employment@envite.org.au


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www.envite.org.au
www.nrbm.com.au

23

BUSINESS MATTERS

EMPLOYMENT & TRAINING

HR The Future beckons


N-Q Human Resources has been servicing the local business community for 25 years and in that time has placed thousands of people into employment. They are now in the exciting position of being able to expand their employment services to include Human Resource (HR) consultancy to help small and medium sized businesses. Most small businesses dont benet from having a dedicated member of staff to manage HR. Recruitment decisions are often made under pressure which is not the ideal scenario for making good business decisions. In addition, legislation is constantly changing and its increasingly difcult for businesses to keep up with changes to awards, employment contracts and administration. Should there be employment related problems such as discipline or grievances, business owners need to be able to handle these situations effectively and legally. ON-Qs General Manager Lisa Smith comments: People are central to the success of any business yet often we are too busy running our business to effectively manage people or issues that arise. These issues can be costly to any business if not managed well. We now have a cost effective solution for businesses in the Northern Rivers that will provide highly experienced and professional HR staff to support businesses that do not employ a HR Manager. The new HR consultancy includes the provision and implementation

of all operational HR/people strategies, training and professional development, coaching, strategic planning, project management, and outsourced payroll services. These services are customised to each individual business. They can be accessed on a daily (one off) basis or through an affordable subscription service which offers additional benets such as up to date Industrial Relations news and legislation alerts, discounts on training and coaching services, informative seminars and webinars, and a monthly newsletter. Provided at a very cost effective rate, this HR consultancy builds a long term robust function for all businesses large or small. The benets of good HR management include recruiting and keeping good staff, which in turn allows business owners to focus on the delivery of their core business activities. ON-Qs team can provide their services at clients premises or within any of their ofce locations which include Ballina, Byron Bay, Casino, Lismore, and Tweed. There are a number of ways to access ON-Qs HR consultancy, they offer an individualised service that you can use as you need it or there are also annual subscription options starting from just $495 pa which offer great value for their professional service. For a free consultation or further information call Noln Freeman on 1800 761 561 or email Nolin.freeman@onqhr.com.au

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Call 1800 761 561 or email info@onqhr.com.au to find out how ON-Q can be the solution to your employment needs. ON-Q can be the flexible solution to your HR needs.

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24 www.nrbm.com.au

EMPLOYMENT & TRAINING

BUSINESS MATTERS

Real Careers Real Outcomes

eld annually in May, the Northern Rivers Careers Expo attracts 1800 2000 students, school leavers and young people wanting to make informed decisions about their future and their career path. Exhibitors at the event range from universities such as: Bond, Charles Sturt, Newcastle and Southern Cross to Apprenticeship groups and large national and local employers. The idea is to give a genuine array of choices and the event has literally become a one-stop-career-shop for the regions youth. TAFE and private education providers also offer a seemingly unlimited range of options, with some of the more varied careers on offer including: Audio Engineering, Computer Game Design, Drift Racing, Film and Acting, Health & Fitness, Photography & Fashion Design and more. Expo Organiser, Ashley Burke-Smith comments. Feedback from the 2013 event has been overwhelmingly positive, 96% of the exhibitors loved the new venue, 60% signed clients on the day and over 90% said they would book again for 2014! With outcomes like that we couldnt be happier. One of the highlights of the event is the Try A Trade exhibit, where visitors get to roll up their sleeves and enjoy a hands-on learning experience with an industry expert. With exhibits including everything from Beauty Therapy to Plumbing, Car Mechanics to Commercial

Cookery and Hair Dressing to Spray Painting, there is literally something for everybody. It is also an event that creates a lot of passion; Ashley Burke-Smith continues, Its hard not to get emotionally attached to this event. I wish there had been something like this when I was leaving school and I love the fact that the expo helps people at such a difcult and important stage in their life. We get to play a major role in shaping the future for many young people and, whilst this is highly rewarding, it comes with a huge responsibility - Its really important that we get things right. With a real focus on outcomes, the Careers Expo places specic attention on pathways to genuine longterm employment for those who arent looking to continue into University; Mr Burke-Smith continues, There is still a massive skills shortage in the region, particularly in the traditional trades. A student can take on a School Based Apprenticeship or Traineeship and leave school with a skill that can get them full employment and a good salary in a region where many people struggle to nd work. The 2014 Northern Rivers Careers Expo will be held on Thursday 15th and Friday 16th May 2014 at the Goonellabah Sports & Aquatic Centre, visit www.nrcareersexpo.com.au for details.

2014

Thurs 15th & Fri 16th May 9.30am - 2.00pm

Proudly Supported By Our Expo Partners

Goonellabah Sports & Aquatic Centre, 50 Oliver Avenue Goonellabah

THE REGIONS BIGGEST CAREERS EVENT

EMPLOYERS - TRAINING ORGANISATIONS - UNIVERSITIES


TESTIMONIALS:
Denitely re-book us - we are still enrolling students from the region from last year Gold Coast Training Academy Thanks for making this event what it has become. Its a MUST for the BNE campus JMC Acadmey

Meet the regions school leavers Talk to your future employees Sign up trainees and apprentices Market to Jobseekers and Workers Bring young people into your industry Promote tertiary education

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BUSINESS MATTERS

BUSINESS EFFICIENCY

Cashflow Vs Profit
Clayton Oates, QA Business

e often hear that Cash Flow is King if this is the case then surely Prot is Queen! Theres a lot of talk that the key to managing a successful business is great cash ow management, however this can result in business owners being totally focussed on their bank balance in order to pay their monthly bills. This xation of satisfying short term cash ow needs, whilst a necessary approach, it can tend to take your eye off the ultimate Cash Generator which is strong, recurring prots coupled with great cash ow management. Throughout the business lifecycle you may well switch between phases of focussing on Cash Flow and/or Prot. For example if youre a business start up you know its going to take a couple of years before youre retuning a Prot so you have enough capital secured to fund this start up phase. Whilst you may not be protable during that time (as planned) its vital the working capital you have invested into the business is sufcient to see the business through this phase. Particular focus will be on making sure sales receipts are collected and creditors are managed to maintain supply of your products for sale. You should regularly review your Cash Flow Reports (Historical and Future) together with good Debtor management techniques and regularly reconcile your bank statements and stock levels in line with your plan. Whilst you may be making the sales as expected with the margin as planned you would soon run out of cash if customers are slow in paying or you hold more stock than necessary. Once you are protable and you have paid back your nanciers (usually you and the bank) then you move into another phase,

be careful of complacent cash ow management. Profitable (well capitalised) businesses can sometimes have a Lazy Balance Sheet i.e. the funds are tied up in the business and not producing a return for investors (which is probably you) that is much more than if you sold the business, put the money in the bank and earned interest off the funds. So ultimately Cash Flow becomes a consequence of managing the collection of Prot your business accounting systems should have budgets set up where you can monitor your Actual Prot to Budgeted so you can quickly identify opportunities and threats that exist to your cash ow due to changes in your prot. Also the analysis of your business Balance Sheet is vital particularly the movement of your Cash Flow from one period to the next. Most small business accounting systems have these reports as stock standard features. If you are unsure on how to access them, speak to your software consultant. I would recommend you spend an hour with your Accountant to setup a Prot Budget for your business and ask them to walk you through your Balance Sheet Movement report and educate you on the leading cash ow warning signals.

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CANBERRA COMMENTS

LOCAL GOVERNMENT

Open For Business


Kevin Hogan, Federal Member for Page rime Minister Tony Abbott famously declared on September 7 that Australia is now open for business and may I add, so too is the Northern Rivers and my electorate of Page. The rst stage in opening that door was the scrapping of the Carbon Tax an economically awed tax that was a jobs destroyer. As everyone knows, what this region needs more than anything else is jobs and job security, and that is why supporting the business sector was a central plank to my election campaign. Before I was the parliamentary representative for Page, I was variously a farmer and a small businessman so I know rsthand how hard it can be to put food not only on your familys table but the tables of your employees when the heavy hand of Canberra is pressing down upon you. Many business people from Woodenbong in the North to Grafton in the South have told me about how hard it has become to do business and employ staff under the weight of a myriad of regulations. Let me give you an example, during the campaign local small business owners told me how some of their staff would job-share so mothers could care for their children after school. This was an arrangement that suited both the employer and staff. Yet in an act of mindless bureaucracy, the previous government redened the denition of small business from employing 15

equivalent full-time staff to simply 15 positions which meant staff had to work full-time or make way for someone else. This is a jobs killer and just one example of how red and green tape is strangling small business - the driver of economic growth and jobs in our region, and its having an impact. Since March 2010 recruitment rates have fallen across Richmond and the Clarence Valley, according to the Department of Education, Employment and Workplace Relations. I have, and will continue, to work with the NSW Business Chamber and all the local Chambers of Commerce to tackle these drags on jobs growth, and I am already lobbying my National Party Ministerial colleagues to ensure we have the right conditions for growth. We also need our share of infrastructure. Recently I had the pleasure to turn the rst sod on the construction of a diversion from Pimlico to Teven to allow the $7.5 billion duplication of the Pacic Highway from Ballina to Woolgoolga to proceed. This will be the nal signicant piece in the highways upgrade which will allow our businesses to easily access the major markets of Brisbane and Sydney. In the meantime, the wages of the hundreds of construction workers working on the upgrade will be poured into our local businesses. Finally, I would like to wish you all a Merry Christmas and hope your businesses have a prosperous New Year.

27

BUSINESS MATTERS

MARKETING

Is the Cold Call Dead?

Moyra Burke-Smith, AM Marketing

here's been plenty of speculation touting the death of cold calling. A recent survey reveals the speculation to be greatly exaggerated. In fact, cold calling is still an efcient marketing channel for driving leads and sales. DiscoverOrg recently surveyed 1,000 IT executives at a variety of rms, from Fortune-ranked companies to small and medium-sized businesses. The results show marketers should be careful not to ignore traditional marketing strategies. Here's what top IT executives had to say about the effectiveness of outbound marketing: 60% said outbound calls or emails have led to an IT vendor's being evaluated. 75% said they'd decided to attend an event or take an appointment after having received a cold call or email. In today's climate, companies are increasingly pushing social sellinglike blogging, content creation, SEO, and social media engagementas the best means of marketing a product or service. But the DiscoverOrg data underscores the importance of traditional outbound marketing techniques, such as cold calls, emails, TV commercials, and print ads, for driving leads and sales. A good oldfashioned phone call can help humanise you to your prospects, no matter the size of a business or industry. For many companies, a mixture of inbound and outbound marketing techniques may be best, and it doesn't take pricey TV ads to reap the benets. Here are a few ways companies can add outbound marketing techniques to their social strategy. Draft scripts. Ensure you don't come off like an advertisement. Anything that sounds too sensationalistic will fall at. Draft a script

and practice it in a conversational tone, and ensure all written copy reects your company's tone and brand. Time Check. Dont be seen as a nuisance, lunchtime calls are generally unwelcome; it's when people take a break and don't want to be bothered. Calls between 8 and 9am can help you to catch someone or late afternoon, between 4 and 5pm, when the workday is winding down. Make it personal, but don't take it personally. Do some research and collect details about who you're calling, use this to lend yourself credibility. Don't take non-interest or lack of return calls personally; some people are just not in a position to listen to how you're going to help them make or save more money. Offer incentives. Alert them to a social media promotion or contest where you provide an incentive to participatelike a rafe or some other chance to win a prize. Create a landing page. Make it easy for people to get quick information about your company or product. Create a landing page on your company's Facebook page or website. Always include a succinct company bio and a call to action. Track results. Using CRM helps to tweak your strategy over time and line up your techniques to ensure your strategy is working comprehensively across multiple techniques and platforms. Creating a mixture of inbound and outbound marketing techniques could be just what your business needs to improve leads and sales.

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LOCAL GOVERNMENT

POLLIES POINTS

Rail Trail Means Business


Don Page Member for Ballina
I was very pleased the NSW Government announced it was funding a feasibility study into a rail trail on the Casino to Murwillumbah rail line. We have a magnicent asset in the Casino to Murwillumbah rail corridor via cities and towns including Casino, Lismore, Bangalow, Byron Bay, Mullumbimby, Billinudgel and Murwillumbah. The 130 kilometre line takes in some of the most scenic vistas in northern New South Wales. Rail trails have been established all over the world and are tourist attractions bringing in millions of dollars and jobs to their local communities. Social and health benets would also result from a rail trail. A rail trail attracts visitors and encourages people to move beyond Byron Bay to explore other parts of our beautiful region. The terms of reference for the feasibility study include assessing the potential economic benets of developing a rail trail, and its potential to enhance the regional tourism industry, generate employment as well as the costs, sources of funding etc. There will also be consultation with stakeholders including councils in the Northern Rivers, community groups and tourism operators about the potential benets, limitations and impacts of a rail trail. Importantly, if a rail trail is established, it will mean the rail corridor will be preserved for the re-introduction of rail services should a viable economic model become available. I expect the successful tenderer for the study will have their report completed by April next year.

Working With Small Business To Improve Safety


Thomas George Member for Lismore
A strategy designed to make it easier for small businesses to comply with their work health and safety obligations has been announced. WorkCover: Making It Easier, is a direct result of a collaboration between industry, business and the Ofce of the Small Business Commissioner to allow WorkCover to provide tailored support to small businesses. In addition to improving communication and service delivery, the strategy will help small business operators with limited time and resources to better manage work health and safety as well as returning injured workers to work. The strategy is designed to help small businesses embed a riskbased approach to their everyday operations through a series of initiatives such as rebates, advisory programs, mentoring and dedicated support ofcers based in regional areas. WorkCover has established a dedicated small business service within its Customer Service Centre. This and the Small Business Stakeholder Reference Group, marks a signicant and positive change in the way WorkCover will interact with industry. NSW RETAINS AAA RATING I welcome Standard & Poors conrmation of NSWs triple-A credit rating meaning NSW is one of only two states to hold this rating. However, we certainly dont underestimate the economic challenges that we face, including the massive downgrade in revenues across the country, and the signicant infrastructure backlog across the state.

! s g n i t e e r G Christmas

We wish you a great Christmas and a prosperous New Year! Please get in touch with us if we can help in any way.
Chris Gulaptis MP Member for Clarence 11 Prince Street Grafton 2460 Tel: (02) 6643 1244 Thomas George MP Member for Lismore PO Box 52 Lismore 2480 Tel: (02) 6621 3624 Don Page MP Member for Ballina PO Box 1018 Ballina 2478 Tel: (02) 6686 7522 MP Geoff Provest MP Member for Tweed PO Box 6695 Tweed Heads South 2486 Tel: (07) 5523 4816

for Regional NSW


30 www.nrbm.com.au

Local Partnerships Supporting Local Business


The installation of the Xerox Color J75 Press by Lismore City Printery this year has proven to be very successful. The quality & volume that this machine produces has given them a real edge in digital printing. Along with the two Xerox 700 Digital Color Presses Lismore City Printery are the leaders in digital printing in the Northern Rivers. The support of Fuji Xerox is crucial to this success with day to day on-call support.

ry) Shaun McGuniness (Lismore City Printe Rivers) with David Ofcer (Fuji Xerox Northern
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INVEST IN A BETTER LIFESTYLE

If balancing work and lifestyle is a priority then investing time in getting to know the Tweed Valley in northern New South Wales could return a handsome dividend, personally and professionally. This picturesque region is a perfect base for manufacturing, agriculture, professional services, and tourism related industries. And when youre not at work, you can make yourself at home in one of Australias most spectacular hinterlands or beside some of the countrys most expansive coastlines. For more information visit tweedbusiness.com.au

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