nrbm spring 2015
TRANSCRIPT
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7/21/2019 NRBM Spring 2015
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Spring 2015$6.95 inc GST
NORTHERN RIVERS
The Future of BankingSummerland
Effective CommunicationsTechnology
Show Me
the Money!
Time When to Sell?
Communications
Biz Tips
Real Estate
MAGAZINE
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Departs Airline Destination Arrives
Departures
Now up to 58flights per week.Ballina Byron Gateway Airport offers up to 7 flights a day, with up to
58 flights per week travelling to Sydney, Newcastle and Melbourne.
There are daily services to Sydney and Newcastle and 5 or more
direct flights to Melbourne every week. So whether your trip is for
fun or for business, make Ballina Byron Gateway Airport your first
choice and support your local airport.
* the above times are subject to change and should be confirmed with the airline partner.
Gateway Airportwww.ballinabyronairport.com.au
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Moyra Burke-SmithEditor NRBM
NRBM is and always has been proud to only use local suppliers.
3www.nrbm.com.au
Its awards season in the region so congratulations to all those businesseswho have been recognised for excellence in their local Chamber Awards and good luck inthe NSW Chamber Business Excellence Awards. Its good to see the range and quality ofour local businesses. If you didnt find time to enter your business this year its somethingto consider for next year, it lifts the profile of your business, inspires your staff and brings
in new business.In this issue our cover feature is on Summerland Credit Union, this award winning local
credit union is blazing a trail in new banking technology. Showcasing their Branch of theFuture which has just opened in Lismore this is the first of its kind outside of the big cities.Add to this their investment in new apps, internet banking platform and credit card this isdefinitely one financial institution that is going places.
Business Matters is a smorgasbord of business information this issue including Biz Tips,Employment & Training, Real Estate, Banking & Finance, Communication, Marketing andmuch more to help your business get in great shape and work smoothly.
This issue Id like to welcome on board our new expert Andrew Virtue from NewcastlePermanent Building Society who will be bringing his expert knowledge to help us navigatethe financial maze. This issue he guides us through the changes to the regulations inproperty investment.
We hope this issue motivates you to business growth this Spring.
Until Summer,
The paper used to produce this magazine is manufactured by an ISO 14001 environmentally rated mill.
Jamie Cunningham has worked with 300+business owners around the world. Onekey result of his work is helping owners toattract and hire top talent, saving them timeand stress in their businesses and their lives.
Clayton Oates, QA Business, our Channel7 business efficiency guru cuts throughthe red tape and helps you streamlineyour business to make things happen.Recognised as one of the Top 25 GlobalAccounting Technology Thought Leaders,the only Australian-based professionalto to be recognised with this honour.
Greg Arnold, Effective WorkplaceSolutionshas 30 years experience asa workplace relations practitioner andmanager in a broad range of industriesincluding construction, engineering,publishing, and hospitality. He helps businessto reduce the risk and exposure to costlydisputation, court cases and prosecution.
Josh McIntosh, All Pest Solutions, withover 10 years experience in pest controlJosh and his team are passionate aboutpest control and provide a high qualityand professional service throughout theNorthern Rivers to business and residents..
Gail Fuller, Byron Coastal Real Estateproviding sound real estate advice in property
management, holiday rental revenue, sellingand buying property. Our team is focusedon increasing your profit and ensuring yourinvestment is maintained to a high standard.
Kate Cameron Rochdale Accounting& Business Advisory- Kate started hercareer with PWC Sydney and movedto Lennox Head in 2005. A massive fanof Xero she seriously enjoys workingclosely with businesses to achieve resultsand positive change. With experiencein both marketing and accountancyKate brings a lot extra to businesses.
Andrew Virtue, Newcastle PermanentBuilding Societyis Lismores home-grownBranch Lending Manager. With more than30 years of banking and finance experience,he provides guidance on how customers canmake their banking products work betterfor them and their families long term goals.
Our Experts
NRBMT:02 6685 7569
F:02 6685 5430
W:www.nrbm.com.au
P:PO Box 1777, Byron Bay, NSW, 2481
The Small Print :
Notice: While every effort has been made to ensure theaccuracy of the information in this publication the publisher
accepts no responsibility or liability for any errors, omissions orresultant consequences, including any loss or damage arising
from the reliance on information in this publication. Theviews expressed in Northern Rivers Business Magazine are notnecessarily endorsed by the editor or publisher. No part of thispublication 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.
PublisherAshley Burke-Smith
Editor
Moyra Burke-Smith
Design
www.aguawebs.com
02 6676 2980
ContactsEditorial Contributions:
[email protected] Enquiries/Media Kit:
Spring 2015
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www.nrbm.com.au
Since 1995, Tweed Day Surgery has provided high quality clinicalcare and a warm caring environment for patients from thesouthern Gold Coast and northern New South Wales.
We recognise the integral role we play as part of the Tweed Heads/Coolangatta community. This is refected in the excellent supportprograms we offer our patients and referring doctors.
We assist patients with questions about Tweed Day Surgery and theirstay, as well as planning resources for after hospital recuperation.
Our surgical services include:
To discuss available consulting times or to
arrange a time to view the facility, please contact:
Ms Robyn Sheather
General ManagerTweed Day Surgery
T: 0755995522
M: 0408162034
General Surgery
Gynaecology Maxillofacial Surgery
Oral & Dental Surgery
Ear, Nose & Throat Surgery
Urology
Ophthalmology
Pain Management Gastroenterology &
Endoscopy
Plastic, Reconstructive
& cosmetic Surgery
Medical Professionals - Consulting Rooms are Available for Hire
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Spring 2015www.nrbm.com.au
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118
14-15
Employment & Training 8-10How to avoid unfair dismissal claims by preparingyour processes
Communications 11Use communications technology effectivelyin your business
Biz Tips 23How to keep the money flowing in your business
Marketing 24Tips on how to make the most of your Expo stand
News 6-7Keeping you up to date with news from the region, includingThe Round Up news from the regions chambers.
Business Matters 8-13 & 18-24Covering the issues that matter to your business: Biz Tips,
Banking & Finance, Employment & Training, Real Estate,Communications, Business Efficiency and Marketing.
Pollies Points 26Find out the key issues that your local pollie is fighting for you.
Future of Banking 14-15In our feature this issue we visit the Future of Banking withSummerland Credit Union. The recent opening of their newtechnology branch in Lismores Molesworth Street is theonly state of the art digital services branch outside of thecity. With a host of new apps, internet banking platform andsoon to be released credit card, theres a lot to explore
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06 Spring 2015 www.nrbm.com.au
NEWS&EVENTS
Overseas Tourism Flourishing on theNorth Coast
New figures show international
visitors are flocking to the North
Coast, with almost 300,000overseas tourists visiting the region in the past year (a 10% increase),
with more than half (183,000) going to Byron Bay.
It makes the North Coast easily the state's most popular
destination outside of Sydney, almost double the Hunter Valley.
Co-Chair of North Coast Destination Network, Cameron Arnold
said the figures came off the back of years of international marketing
and the joining of the entire North Coast from Forster to Tweed as a
single regional tourism body.
Mr Arnold said while Byron Bay remained the major market
for foreigners, tourists were increasingly more likely to explore the
region and visit the out-of-the-way places.
"The growth is definitely coming from so-called free independent
travellers who are often renting vehicles," he said. "They're definitely
a bit more adventurous and they will do a lot of research and most
of their bookings online."
"We've seen huge growth out of Malaysia and Singapore. Their
market has shifted from away from a shopping experience to a
nature-based experience. And we're in a really good position to
capitalise on that."
A symposium called Byron Tourism 2020 will analyse tourism
trends for the next five years. The symposium will be held at The
Farm from 1-5pm on Friday, September 18.
The NSW Government has
acknowledged councils have far
too little money to maintain their
local roads.
But it says help is on the way.Roads Minister Duncan Gay
told a budget estimates hearing
that grant funding for local
governments would increase by
40% under the 2015-16 budget.
I dont have a great argument
with councils. I accept that theyre
doing it tough in their funding
and their management, he said.
Some could argue that some
of their internal management
could be better, but thats differentto this.
Mr Gay said the response from
councils to the governments plan
to fund local road projects had
been terrific.
Were putting (all funding)
through a body where I dont getthe final say, so I cant pork barrel
this money, he said.
An NRMA report in May
revealed councils on the north
and mid-north coasts had a $948
million backlog of road repairs
and upgrades the biggest build-
up of unfunded roadworks in the
state.
The figure was almost one-
third of the $3.2 billion shortfall
across NSW, despite the regionsmaking up only about one-13th
of the states population.
Clarence Confidence Returns
Confidence in the economic future of the Clarence Valley is beginning
to rise as the effects of massive infrastructure developments begin to
be felt.
At last week's Clarence Roundtable delegates from the localbuilding, construction and real estate sectors said the economy was
moving in the right direction.
Local electrical suppliers, brick companies and
tradies are all benefiting from this.
But the meeting noted the region's traditional
reliance on three to four-bedroom houses had created
a shortage of one and two-bedroom dwellings.
It noted this shortage might be the reason for a
trend to considering more duplex developments.
Training for highway work has also moved ahead
with 180 students enrolled at the North Coast TAFE
campus in plant operator training.
In addition to the highway development,
delegates also discussed the aged care sector, where
there is a shortage of supported living facilities.
This will improve in the next few years with a $34 million investment
in aged care facilities in Grafton.
A number of local businesses are already working on the highway
and picking up more contracts.
There was also focus on post-highway developments with progress
on planning the new 600-bed jail for Grafton, approval for plans that
could make Harwood Marine a centre for ship repairs on the East
Coast and an upgrade of the Gwydir Highway.
Essential Energy Stuck in the Past:GreensSupport for power grid workers has come from an unexpected quarter,
with Ballina Greens MP Tamara Smith slamming Essential Energys plans
to slash almost 50 jobs from the north coast.
Ms Smith said the loss of 47 full-time equivalent positions in the
region would have a devastating impact on the community.
A strong workforce is critical to providing a reliable, safe and
increasingly clean power supply to the people on the north coast, Ms
Smith said.
By slashing 47 jobs, Essential Energy is robbing the north coast of the
expertise needed to undertake the necessary transition to clean energytechnologies.
Cutting employee numbers will ultimately lead to higher household
bills, poorer service and a longer transition to renewables on the north
coast.
Essential Energy executives are sacrificing frontline jobs and
community safety to boost their bottom line, Ms Smith said.
Greens NSW MP and energy spokesperson Dr John Kaye
accused Essential Energy management of covering up for their own
incompetence and lack of imagination.
The union has shown extraordinary flexibility in responding to the
squeeze on the entire industry, Dr Kaye said.
He added that the regional high voltage transmission agency,TransGrid, had managed the cut in revenue without job losses by
working with the Electrical Trades Union and its employees.
Smoother Roads Ahead for Councils
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THEROUNDUP
07Spring 2015www.nrbm.com.au
Winners are CrownedFresh Dental Care was crowned the 2015 Business of the Year on
Saturday night at the annual Clarence Valley Business Excellence
Awards.
190 guests including MP Kevin Hogan and Mayor Richie
Williamson relaxed with pre-dinner drinks at the Yamba Golf and
Country Club but the nervous tension began for the 47 Award
Finalists once the proceedings got underway.
A very special guest Robyn Hobbs, NSW Small Business
Commissioner, gave an inspiring speech at the Awards dinner.
During the sumptuous 3 course meal 16 Awards were presented
to well deserving businesses and staff including Ruth Finlay from
Addictive Hair and Beauty who won the Trainee or Apprentice of
the Year Award.
The judges decisions were not always easy ones with many
categories having two or more close contenders. Judging coordinator,
Adam Gordon commented I was very impressed with the very high
quality of all the participants and they are well deserving of our
congratulations.
Event Organiser, Erica Fletcher, deemed the event a success.
"It's an eight month process to organise the Awards and I was
worried on Saturday that I had missed something but it was all good.
Everyone seemed to enjoy themselves."Yamba District and Grafton Chambers of Commerce are two of
the generous and long running sponsors of the Awards.
Plateau AwardsThe Alstonville Wollongbar Chamber of Commerce held its 2015
Business Community Awards on the 8th August at the Alstonville
Plateau Bowls & Sports Club.
The night was a great success with 100 guests attending
representing local businesses on the Plateau & the Bowls & SportsClub showcasing themselves as the perfect venue for weddings and
functions.
The awards were strongly supported by sponsorship from local
businesses with the main sponsors being Tursa Employment &
Training, Ballina Shire Advocate, Elders Real Estate and the Alstonville
& NSW Business Chamber. 12 Plateau based businesses received
awards with the Business Of The Year going to worthy winners
Alstonville Complete Care who also won the Personal Services
Award. Congratulations to all our winners.
The 14th annual Bangalow Music Festival surpassed expectations and
was enjoyed by capacity crowds
This years Bangalow Music Festival explored the connection
between the past and present while celebrating the promise of abright future commented Tania
Frazer, Creative Director.
The audience was delighted at some
of the greatest Australian artists of our
generation including, Piers Lane, Karin
Shaupp, Daniel De Borah and William
Barton. New soloists at the dawn of
their careers fulfilled the promise of
that bright future with performances
from Alexandra Flood, the Orava Quartet, Alex Rainer, Ashley Smith,
and the 2015 Fellowship Quartet.
The Festival Prelude has become a tradition of the Bangalow
Chamber of Commerce on the opening night of the Festival. Artists
from the Northern Rivers were joined by featured festival artists for a
memorable , celebratory evening of music in a relaxed atmosphere in
the historic A&I Hall Bangalow.
Set on the banks of the glorious
Richmond River, the 2015 Ballina
Prawn Festival is one whole day
and night of fun, laughter and
community. From tasting the
delicious sizzling prawns, minglingamongst the buzzing crowds, or
taking an exhilarating spin on the
Ferris wheel, the Ballina Prawn
Festival delights both young and
old.
With the overwhelming
success of the 2014 Ballina Prawn
Festival, it is expected that over
20,000 people will attend the
festival in November 2015 and
join in the fun at what is fast
becoming known as one of theregions signature festivals!
The festival provides a
wonderful opportunity to raise
awareness of your organisation in
a creative and engaging way.
Ballina Chamber is helping to
organise a significant marketing
campaign launching in the lead upto the November 14 celebrations
including TV, Print and Radio.
We will also be delivering a
sophisticated and strategic
social media campaign. Festival
sponsorship provides a wonderful
opportunity to showcase your
business to a crowd of thousands!
Talk to us today about how
your business can get involved!
For more information on how
you can be involved in the BallinaPrawn Festival, please contact our
project team on 6681 5049.
Bangalow Music Festival
2015 Ballina Prawn Festival
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7/21/2019 NRBM Spring 2015
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THEROUNDUP
07Spring 2015www.nrbm.com.au
Winners are CrownedFresh Dental Care was crowned the 2015 Business of the Year on
Saturday night at the annual Clarence Valley Business Excellence
Awards.
190 guests including MP Kevin Hogan and Mayor Richie
Williamson relaxed with pre-dinner drinks at the Yamba Golf and
Country Club but the nervous tension began for the 47 Award
Finalists once the proceedings got underway.
A very special guest Robyn Hobbs, NSW Small Business
Commissioner, gave an inspiring speech at the Awards dinner.
During the sumptuous 3 course meal 16 Awards were presented
to well deserving businesses and staff including Ruth Finlay from
Addictive Hair and Beauty who won the Trainee or Apprentice of
the Year Award.
The judges decisions were not always easy ones with many
categories having two or more close contenders. Judging coordinator,
Adam Gordon commented I was very impressed with the very high
quality of all the participants and they are well deserving of our
congratulations.
Event Organiser, Erica Fletcher, deemed the event a success.
"It's an eight month process to organise the Awards and I was
worried on Saturday that I had missed something but it was all good.
Everyone seemed to enjoy themselves."Yamba District and Grafton Chambers of Commerce are two of
the generous and long running sponsors of the Awards.
Plateau AwardsThe Alstonville Wollongbar Chamber of Commerce held its 2015
Business Community Awards on the 8th August at the Alstonville
Plateau Bowls & Sports Club.
The night was a great success with 100 guests attending
representing local businesses on the Plateau & the Bowls & SportsClub showcasing themselves as the perfect venue for weddings and
functions.
The awards were strongly supported by sponsorship from local
businesses with the main sponsors being Tursa Employment &
Training, Ballina Shire Advocate, Elders Real Estate and the Alstonville
& NSW Business Chamber. 12 Plateau based businesses received
awards with the Business Of The Year going to worthy winners
Alstonville Complete Care who also won the Personal Services
Award. Congratulations to all our winners.
The 14th annual Bangalow Music Festival surpassed expectations and
was enjoyed by capacity crowds
This years Bangalow Music Festival explored the connection
between the past and present while celebrating the promise of abright future commented Tania
Frazer, Creative Director.
The audience was delighted at some
of the greatest Australian artists of our
generation including, Piers Lane, Karin
Shaupp, Daniel De Borah and William
Barton. New soloists at the dawn of
their careers fulfilled the promise of
that bright future with performances
from Alexandra Flood, the Orava Quartet, Alex Rainer, Ashley Smith,
and the 2015 Fellowship Quartet.
The Festival Prelude has become a tradition of the Bangalow
Chamber of Commerce on the opening night of the Festival. Artists
from the Northern Rivers were joined by featured festival artists for a
memorable , celebratory evening of music in a relaxed atmosphere in
the historic A&I Hall Bangalow.
Set on the banks of the glorious
Richmond River, the 2015 Ballina
Prawn Festival is one whole day
and night of fun, laughter and
community. From tasting the
delicious sizzling prawns, minglingamongst the buzzing crowds, or
taking an exhilarating spin on the
Ferris wheel, the Ballina Prawn
Festival delights both young and
old.
With the overwhelming
success of the 2014 Ballina Prawn
Festival, it is expected that over
20,000 people will attend the
festival in November 2015 and
join in the fun at what is fast
becoming known as one of theregions signature festivals!
The festival provides a
wonderful opportunity to raise
awareness of your organisation in
a creative and engaging way.
Ballina Chamber is helping to
organise a significant marketing
campaign launching in the lead upto the November 14 celebrations
including TV, Print and Radio.
We will also be delivering a
sophisticated and strategic
social media campaign. Festival
sponsorship provides a wonderful
opportunity to showcase your
business to a crowd of thousands!
Talk to us today about how
your business can get involved!
For more information on how
you can be involved in the BallinaPrawn Festival, please contact our
project team on 6681 5049.
Bangalow Music Festival
2015 Ballina Prawn Festival
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7/21/2019 NRBM Spring 2015
9/28
Probably one of the biggest concerns that businesses have,particularly small business, is terminating staff; and terminatingstaff so that it dont result in costly unfair dismissal cases. The
lack of consistency that industrial tribunals have applied in the myriadof decisions over the past 20 years has left employers confused andconcerned about terminating staff. So much so that I have seen manycases where an employer should have terminated staff but didntbecause they feared the consequences.
The key to terminatingstaff and reducing your
exposure to an unfairdismissal claim is in theprocess. Follow theprocess, and there should
be no claim for unfairdismissal. There are anumber of steps and keyelements that form partof the criteria of the FairWork Act provisions, that should be implemented and followed.1.Valid Reason - there must be a valid reason for the termination. This
is often subjective, but the employer must have a good and cogentreason for terminating the employee.
2.Warnings if the termination is based upon performance reasons,then there must be warnings in place. The number of warningsdepends upon the nature of the issues involved, however in most
circumstances I advise that there be at least 2 written warnings. Thereis an urban myth that suggests that there must be 3 warnings inplace before you can terminate; this is not correct. The important keyin this area is to be able to demonstrate that the employee was awarethat their conduct, behaviours or performance was unacceptable;they have been provided with an opportunity to correct or improve;and that they were aware that if there was no improvement thendismissal may occur.
3.Response at the time of termination the employee must be providedwith an opportunity to respond to any allegations. It is also importantfor the employer to genuinely consider the responses and taketime to consider that response; dont have a pre-prepared letter oftermination as this will be perceived as being pre-meditated.
4.Support Person at the time of termination it is important that the
employee be provided with an opportunity to have a support personpresent. This person must act as emotional support and not as anadvocate for the employee.These 4 key elements are simply the basics of the termination
process. If I have learned anything from the many hundreds ofterminations that I have dealt with, it is that all cases and circumstancesare different. It is therefore vital that professional advice is sought beforeterminating staff. A simple phone call or meeting with a professionalmay save you thousands of dollars in the longer term.
If you require information on this important area of staff management,please do not hesitate to contact Effective Workplace Solutionson: 02 6676 3445.
Getting Dismissals Right - Simplifyingthe Process
Tweed, Northern Rivers, North Coast, North West, Mid Coast, Hunter, Hunter-V-Tec,Sydney, Illawarra, Southern Tablelands, Shoalhaven, South Coast
At HVTC we recruit, employ and arrange formal
training for your apprentice or trainee, leaving you
free to focus on productive work that boosts
your business.
We take care of everything for you and are specialists
in recruitment, VET regulation, WHS and HR.
HVTC will manage all of the paperwork and payroll.
You receive one weekly invoice... simple!
Call us today!
02 6622 1363
hvtc.com.au
Over 27 years
experience in the
Northern Rivers
Apprenticeships
and traineeships
made simple
You take care of business, well take care of the rest
Greg Arnold, Effective Workplace Solutions
8
BUSINESSMATTERS
EMPLOYMENT&TRAINING
www.nrbm.com.auwww.nrbm.com.au
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7/21/2019 NRBM Spring 2015
10/28
Greg Arnold Principal Consultant
p[02] 6676 3445 [email protected]
m0407 920 840 wwww.ewsolutions.com.au
we established an agreement that not only achieved our aims, but
also won Awards from the Federal Government
Murwillumbah Services Memorial Club
a small price to pay and an insurance policy mitigating against possible
claims that may cost the Club hundreds of thousands of dollars.
Ballina RSL Club Ltd
... Greg handled a difcult situation within our workplace with astute
professionalism and obtained an excellent outcome for our business
Raine and Horne
CREATE AN AWARD WINNING WORK ENVIRONMENT
WORKPLACE RELATIONS CONSULTANTS
YOUR LOCAL EMPLOYMENT LAW SOLUTION
Employment Contracts
Advice on Termination
Payroll Audits
Enterprise Agreements
Staff Handbooks
Dispute Mediation & Resolution
Workplace Health & Safety
Bullying and Harassment Training
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7/21/2019 NRBM Spring 2015
11/28
If you search effective communication in theworkplace on the World Wide Web, yourelikely to get over 3 million hits. Clearly, its a
much talked about topic, and there are a large
number of tips, hints and solutions available foryou to try out.
Heres one that youre unlikely to find in thatdigital lucky dip:
More time. This is the most ignored but mosteffective solution to poor communication.
Todays workplace is frenetic, no matterwhether youre in a small business, a largecorporation or anywhere in between. Time is the one workplace assetthat is arguably the most valuable in communication, yet is the least
valued.Ask yourself how much of your time is spent in fixing up mistakes,
double or triple-handling tasks and project activities or dealing withconflict?
The chances are that all of that time could have been saved if youhad invested more time in the beginning to ensure communication hadactually occurred. Not information-transfer. Not telling someone what todo. Not hearing an instruction and acting on it. Communication.
Welcome to Communication 101.In the diagram, Person A has content to communicate to Person
B. Person As brain codes that content into speech, or text, or someother transfer medium and transfers it to Person B. Person B receives
and decodes the content. Communication iscomplete or is it?
As you can see in the diagram, the twoimages representing the content as understoodby each person are quite different. This happenspractically every single time two peoplecommunicate.
How do you ensure the two understandingsof the content (= meanings) match and thereforecommunication has actually occurred?
Well, ask yourself another question whichperson has the true picture of the original
content? Obviously, Person A. So, clearly, it must be Person A who isresponsible for checking that Person Bs understanding matches Person
As. Not the other way around.And thats where more time needs to be spent - and hardly ever is. The
inevitable result is time-consuming mistakes and mishandling.Try it for yourself next time if youre Person A, who has just
communicated something to someone, ask them this question: Whatdo you think I meant by that?
Then see how long it takes to sort out true understanding.Communication experts call this sharing meaning and it is the single
most prized outcome you can have between two people or groups ofpeople. You just have to invest more time in achieving it.
If you want to explore communication solutions for your workplace,call us at North Coast TAFE to discuss customised approaches.
Communication Do YouUnderstand?
HowtotakethetimetoimprovecommunicationinyourworkplaceHowmanytimeshaveyoublamedpoorcommunicationforproblemsinyourworkplace?Howmanytimeshaveyoutriedtoimprovecommunication?
Andhowmanytimeshaveyousucceeded?
Chancesarethatyouvenothadalotofsuccess.Itsaspecialskill,communication,andacquiring,transferringorinstillingthatskillhasitschallenges.Oneofthebiggestchallengesistime.Effectivecommunicationtaketime,asdoesimprovingeveryonescapabilitiesineffectivecommunication.Ifyouwanttoexplorecommunicationsolutionsforyourworkplaceandsavetimeasaresult,takefiveminutestocallusatNorthCoastTAFE.
Itllbetimewellspent.
Visitnorthcoasttafe.edu.auorcall1300628233todiscoveryourcompetitiveedge.
NorthCoastTAFE -YourBusinessAdvantage.
Brendan McKenna, Head Teacher Education, Employment and Support, North Coast TAFE Tweed Valley
10
BUSINESSMATTERS
EMPLOYMENT&TRAINING
www.nrbm.com.auwww.nrbm.com.au
A B
START !
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BUSINESSMATTERS
COMMUNICATIONS
11www.nrbm.com.au
Stephen Moon, Coastal Voice and Data
CVD has supplied communication solutions to local businesses for over 25 years. Our clientsreceive the highest standards of customer service, value for money and the most innovative
products and solutions available.
KEEPING YOU OPEN FOR BUSINESS
Business Quality Communications
IT Solutions
Cloud Services
Mobility Solutions
Vehicle Tracking
Business Application Services
For the Best Advice and Solution for Your Business, Call CVD Today: www.cvd.net.au 1800 115 795 [email protected]
Technology for Your Business
Coastal Voice and Data have been providing
the Northern Rivers with total businesscommunications and IT services for 25 years.
We find out more about how they help businessesuse technology to improve and simplify theircommunications and business systems with CVDManager, Stephen Moon.
What areas of business communications doyou focus on?
We have a team of specialists that focus on 3distinct areas: mobility, phone systems and IT. They
work both individually for clients within these specificareas and as a team when working with a client needing asolution across the board.
Can you give me an example of a business solution youveworked on recently?
We recently worked with a plumber who had 6 guys out on theroad so they needed a phone system in the office to take customercalls, a set of mobile phones and easy task systems to make thebusiness run smoothly. So for example we recommended thateach of the mobile staff had ipads so that when on a job they canintegrate with the office accounting system with the job sheet, getit signed off by the customer using Docusign and invoiced straightaway. This saved a huge amount of time in admin and reduces therisk of paperwork getting lost.
Another element we recommend for mobile teams is Navman
which is a system that helps improve vehicle
monitoring, job dispatching, schedulingand worker safety.So would you say technologyhas changed the face ofcommunications for business?
The impact of technology has beenhuge. We used to specialise in phonesystems but now we are involved in a
much wider reaching industry. We oftenare approached by businesses to look
at phone systems and end up reviewingtheir whole communication and IT systems,
because they all interact with each other, andproviding a smooth solution for that interaction
makes it easier for them to do business effectively.What would you say is the most common pitfall that businessesfall into?
Businesses are often keen to find a solution to the problems orissue they have today. What we do is work with them to find outnot only the state of play today but also where theyre heading sowe can ensure they have a solution that will grow with them andnot stay static.How do you see the future of communications technology?
5 years ago we used mobile phones for phone calls, now youcan run a whole business through your phone. The possibilities areendless.
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12 www.nrbm.com.au
BUSINESSMATTERS
BANKING&FINANCE
Terms and Conditions apply. Newcastle Permanent Building Society Limited ACN 087 651 992, Australian Financial Service Licence/Australian Credit Licence 238273. NPB3081 HP
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year after year
Recently, Ive encountered many home buyerskeen to understand changes to the regulationof home loans for investment properties,
something which quickly became more topical whenmajor banks started increasing the pricing of theirinvestment loans.
The Australian Prudential Regulatory Authority (APRA)regulates all Authorised Deposit-Taking Institutions inAustralia, including building societies, credit unions andbanks. APRA has provided guidance to all lenders, bigand small, to implement what many are calling a speed limit of 10%on the growth of their investment home loan portfolio.
This means that all financial institutions regulated by APRA willneed to make sure the portion of their home loan portfolio made up
of investment loans does not grow any more than 10% each year.In response were seeing lenders change what they offer to investorsin an effort to effectively manage the volume of investment homelending they provide.
Where investors may once have received discounted fees and/orrates on their loan, they may now experience a higher rate or fee thanan owner occupier. Some home lenders are also increasing the sizeof the deposit that investors will need to take a loan, so investors canonly borrow up to 80% of the value of the property, not up to 95%as has been practiced in the past.
As well as the investment loan speed limit, APRA has alsotightened rules around the amount of capital the major banks and
Macquarie Bank must holdagainst their home loanportfolios, in response torecommendations from theAustralian GovernmentsFinancial System Inquirywhich was finalised in late2014.
The major banks havealready announced their
capital raising plans to comply with the new requirements from APRAwhich are effective from 1 July 2016.
Looking ahead, customers may find that the major banks furtherincrease lending rates or decrease deposit rates to increase profitability,
assisting them in maintaining their return on an enlarged capital base.Its also important to note that APRAs guidance only relates to new
investment home loans. Repricing their existing investment homeloan portfolio could just be an attempt to increase profitability fromcustomers. If your bank has repriced your existing investment homeloan, it may be worth talking to another lender in case you could geta better deal.
So if youre in the market for an investment property,have a conversation with your local lender about the optionsavailable to you and how your lender is responding to theseand other market influences. For more information visit:www.newcastlepermanent.com.au.
Investing in Property? Get the FinancialLow DownAndrew Virtue, Newcastle Permanent Building Society
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GOLD
PARTNER
Want more time to grow your business andless time bookkeeping?
www.rochdalehouse.com.au 02 6620 0300
Kate Cameron, Rochdale Accounting and Business Advisory
M
ost small business owners spend too much timebookkeeping and completing admin and not enough time
growing their business. It doesnt have to be this way.Cloud computing has changed the way business owners can operate
allowing far more efficient bookkeeping and real time monitoring ofyour business from wherever you may be.
Xero cloud software automatically updates with bank transactionsand matches them with bills and invoices and remembers commontransactions, all leading to less time bookkeeping and more time doingwhat you love.
Data should flow from other sources too and not just your bankaccount. Whether it be a POS, job management, inventory control,or rostering software, they can all integrate and be in the cloud everything is faster and more accurate plus you save time on doublehandling data.
A great case study is a caf client that has 3 outlets in different
locations. The implementation of Xero allowed the client to firstly betracking real time numbers and easily track and report actual resultsagainst budgets for each division. The owner can view the real time
results for each of the locations from anywhere. The implementationof Xero immediately highlighted the business needed to focus on costcontrol strategies for wages and revise pricing strategies for varyinginput costs. Deputy, a cloud based rostering program was implemented.Deputy allows the business to plan rosters seeing the expected costof each planned roster. Employees can be notified by an app whennew shifts become available and most importantly, the cost of a shiftcan be closely monitored against real time sales as the clients cloudbased Point of Sale program also integrates. The payroll for the casual
workforce is easily completedin minutes as timesheets are
approved in Deputy andintegrated into Xero atthe press of a button,ready for payment no double handlingor data re-entry. Theimplementation ofthe 3 integrating cloudbased systems has cutthe bookkeeping time(and costs) by 1 day perweek and allowed a farmore informed and timelybusiness decision process.
For tradies or people on the move,there are some great cloud based applications that make bookkeepingand job management easier and more efficient. You can now beonsite, accurately cost a job and send an invoice from your mobiledevice, improving cash flow substantially as clients are now invoicedas and when the job is complete and not at the end of the month.Invoicing integrates seamlessly into your bookkeeping software to alsoimprove debtor management.
We love helping clients implement solutions to improve the waythey do business. Anything that allows less time bookkeeping andbetter business decision making is certainly a winner. Speak to Rochdaletoday to see how your business could benefit from cloud solutions.
Get Your Head in the Cloud
13www.nrbm.com.au
BUSINESSMATTERS
BANKING&FINANCE
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Spring 2015
How do you get the best banking solution,just for you? Everyones banking needs aredifferent. Some prefer to do it all on their
phone pay bills, transfer money, check balances
and know when their pay is there. Others want togo into a branch and speak with the staff, get theircash and be treated like a real person. Many banksstruggle to deliver the type of service everyone ishappy with.
Things have changed. One financial institution
has fused the digital age with great personalservice. Summerland Credit Union, based right herein the Northern Rivers. A financial institution ownedby their customers where decisions are made tobenefit their customers, not external shareholders.
The redevelopment of the Summerland CreditUnion Molesworth Street Branch of the Future iscomplete and open for business. This is not just anupgrade; its a launch into the Future of Bankingwith a completely new open design that has to beseen to be believed. Its the only financial institutionin the entire region with such a great new branch.
Whats different? - the sleek modern design,open feel throughout the whole branch, use of
latest technology, private areas for one-on-onediscussions and the self-service ATMs and coincounter. Plus, while youre there, you can enjoyfree wifi whilst being entertained and informedwith tips, trivia, upcoming events and games all onan in-branch instant app. The comfortable loungeand X-Box for those a bit younger make the timespent in the branch relaxing and refreshing.
Gone are the wire barricades, opening up thebranch into a much friendlier environment forcustomers. But security is there, with each Banking Advisor orteller having a locked ATM built into their workstation whichcannot be accessed during business hours. So there is enhancedsecurity for customers and staff.
The row of iPads in the branch makes it easy to access InternetBanking.
After winning the Professional Services Award in the LismoreBusiness Chambers Excellence in Business Awards for two yearsin a row, youre certain to receive great serv ice. Summerland alsowon similar awards last month in Grafton and Kingscliff.
In addition to the Branch of the Future redevelopment,Summerland has recently released new iOS and Android appsfor banking anywhere, anytime. In mid-August, an up-to-dateInternet Banking system was rolled out.
The Video Wall or Window to the Future is a huge integrated9-screen system showing off the latest from Summerland,sponsored community events as well as beautiful video of naturalelements from around the region.
How can customers benefit from all this new digital technology?Its about helping customers do their banking at a time & placethat suits them. If youre out and about and dont want to get to
14
a branch, you can use your computer at home or work, laptop,tabloid, iPad or smartphone to do all your banking, 24/7. You canuse phone banking to do all your popular banking tasks anywhereon your phone. But if you want to speak with their contact centre,
you can phone, txt, email, webchat or click online and theyll ringyou. The contact centre is in Lismore. Staffed by locals and theyretrained to help you with all of your enquiries. You dont need to betransferred to anyone else. They can look after everything.
When you arrive in the Lismore branch, you are greeted at thedoor and directed to the most appropriate person to help youwith your transaction, or you can move to one of the many privateareas to discuss your enquiry without others listening in.
If you want to use your card to get cash out, a customer-onlyATM inside the branch is a safe place. Another ATM which alsoaccepts deposits will be installed shortly. If you want to deposit a llthose coins from your piggy bank, there is no need to sort them.Just tip them into the machine and they are accurately counted ina flash. Buskers love it. They can deposit the money theyve earnedquickly so they get back out into the day.
Businesses are also catered for with a business-specific section
to assist business customers with their daily banking: fast and
Summerland -The Future ofBanking
COVERFEATURE
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Spring 2015
COVERFEATURE
15www.nrbm.com.au
efficient. In a few weeks, Summerland will release their MobilePoint-of-Sale system perfect for tradies and market stalls. If yourein the business of doing work in the field, such as an electricianor plumber, its important to get paid as soon as possible. With
Summerlands mPOS, you can swipe the customers card and bepaid in full. No need to send out an account and be paid at sometime in the future. This dramatically improves your cash flow andmakes it easier for the customer as they dont have to post in acheque or get your account details.
Whilst mum and dad are waiting for a loan interview, the X-Boxand screen in the Play Space keep the younger ones entertained.(Dads can try and beat the kids score if Mum has the time.)
The Banking Specialists who help with organising your home,personal or car loan are available in the branch as well. They areexperienced in assisting people get the right loan to suit them.They specialise in helping people refinance, moving their bankloan over to Summerland.
Plus, the branch is sleek. The walls are silver, the breakoutrooms are modern, decked out in either purple or orange, thelounges are comfy and the benches are free of clutter.
Many environmental friendly building products have been
included in the redevelopment. These include:
Carpet - ECS Level 4, the top grading in theACCS Environmental Certification Scheme forthe environmental performance of carpet
Acoustic wall fabric accredited under ISO9001 & ISO 14001 Quality & Environmental
Management systems. Has low embodiedenergy, minimum 60% recycled content fromPET bottles and supports safer indoor air quality
Floor Tiles rated A+ for ISO 16000, Low VOCemissions (volatile organic compounds) andCMR compounds (toxic emissions)
Lights High efficiency LEDs used throughoutwith sensor timers
All board material and laminate used in therefurbishment is certified and rated E0 meaningit has extremely low toxic emissions includingVOCs
All local contractors were used in theredevelopment construction, reducing the travel
involved and resources used Internally, digital signage is used, reducing the
need for paper posters. Energy efficient LEDsare utilised in the poster frames.This is on top of the existing strong environmental
values of Summerland. The credit union has theirnon-CSG/fossil fuel mining Position Statement onthe website, were the first to achieve Silver Partnerstatus in the NSW Governments SustainabilityAdvantage Program and are working on being thefirst Gold Partner on the North Coast.
Later this month, the first Summerland-brandedVisa credit card will be launched. A Low-Rate &Rewards option will be available. A great incentive
to switch existing cards over to Summerland willbe launched and cards no longer needed will beturned into guitar plectrums (picks) and donated tolocal community music groups. A great recyclingidea. The Rewards program is the best ever. Insteadof earning points which you need to redeem toget a . toaster, with a Summerland Rewardscredit card, you earn DOLLARS. And the cash iscredited back to your account automatically, atregular intervals. You dont have to remember to
do it. Summerland does it for you. So you never have any rewardsexpire. You get the cash so you can spend it any way you like.Its like an extra savings bonus. Great for that little extra cash atChristmas.
As a financial institution with an Australian banking licence,Summerland customers receive protection from the FederalGovernment with the Deposit Guarantee, to the same dollaramount as the large banks. This gives depositors and investorspeace of mind with Government protection of their funds.
Its easy to bank with Summerland. You can open an accountonline or at any of the 13 local branches from Coolangatta toGrafton. You can also do lots of other banking online includingopening accounts, applying for cards and loans, send money
to and receive money from overseas and apply for insurance toprotect whats important to you.
Customers demand the best. Now they can easily switchtheir banking to Summerland and enjoy the very best, right nowand support a great local, environmentally-focussed business.Summerlands digital sleek meets personal service with exceptionalresults. No wonder more and more people are swapping theirbanking over.
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Business Efficiency
Specialists in CloudBased Business SolutionsAccounting, CRM,Payroll, Consulting,Training & Support
E: [email protected] T:1300 289 846 W: www.qabusiness.com.au
CreatingTime for Moments
That Matter
Call us for a complimentary assessment to determine if the cloud is right for your business
Check in with your business anywhere / anytime(formerly referred to as QuickBooks in Australia)
18 www.nrbm.com.au
BUSINESSMATTERS
BUSINESSEFFICIENCY
W
ith over 90% of the worlds online data having beencreated in the past 12 months, including 300+ hours
of YouTube video uploaded every minute and hundredsof millions of hours viewed every day there is no shortage ofinformation in the world but how do you work out what is worthlearning and whats not?
Two phrases about learning that have resonated with me overthe past few years are:
Youll never out earn your learning! (Brad Sugars) Allocate 10% of your Income for the purposes of learning
Having set out to diligently follow these guides I have discovered
that the second point is harder to do especially when the first oneholds true, the more you learn the more you may earn.
Learning opportunities are broadly categorised into two distinctgroups these days - In Person and Online.
Online learning opportunities include Podcasts, Blogs, YouTube
channels, Webinars, LinkedIn, Facebook Groups and followingyour respected peers and Industry Thought Leaders on Twitter. Itenables efficient delivery of information in huge volumes but its notthe single source of future learning. There is no doubt that onlinelearning is here to stay and further develop, however, there is also aresurgence in the need for face to face, live human events, it seemsas though the Higher the Tech the Higher the Touch required.
One solution to spending the money you have earmarked foryour Learning Fund is to travel (both locally and overseas) toattend conferences in your chosen eld. In the past 12 months Ihave spent over 70 days at events and its amazing how well a 14hour international flight prepares the mind for absorption of ideas
and inspiration, so long as you stay away from the bar in the sky!So why not do it? Seek out the number one global event in yourindustry or profession and commit to attending it within the next
12 months. Plan on taking your spouse and schedule some time outdays before the event if you can, so you land in the conference chaireager to learn and dedicate some time post event to review whatyou have learnt and set goals and devise strategy. However a wordof warning! - You may get hooked on this approach to learning andyour passport will quickly start to fill up.
Another thing I have learnt is that learning is a daily task, so learnto develop a learning calendar, that reminds you of this and lock inthe major industry events you would love to attend in the coming12 months (no matter where in the world). Remember that its notjust about business (professional) development, take time out also toenhance your personal learning too; its amazing what you can learn.
Investing in LearningClayton Oates, QA Business
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Gail Fuller, Byron Coastal Real Estate
T
ime is a measure, it doesnt change. We think we can control it,
we feel it catches up with us or we believe we can run out ofit. Of course none of this is true, its simply a marker of where
you are in your day.Some days it appears to move slowly, others quickly for no
apparent reason.In my work team we all remark on it if the day is slow, relative to
the ticking of the clock, and we have lots of space to complete somuch we feel time is on our side.
Time only seemingly runs out when we are rushing, in this stressedstate you can never catch it and your body runs on nervous energy.Logically you should get more done if youre doing it at speed butgenerally the stiller you are the more time feels available to you.
I often hear the comment Im in no rush to sell. or We haveplenty of time. What does that truly mean? What are we saying
about time when we make those comments? Do you have a pre-determined set number of days that you are ok with passing beforeyou want to sell. Could you really be saying that youre not quiteready to commit to moving onto the next chapter in your life?
Its interesting how if an early offer is received clients often feelthey shouldnt take it but wait for longer. How has time or a clockon the wall taken over what we feel we should do?
Is time true? Arent we just circling the sun and returning to thesame spot? If you considered returning to the same spot each daywould you choose differently when you made the choice to sell?How many times do you need to repeat the same rotation aroundthe sun before you say yes to a decision?
Another interesting
time aspect I see in realestate is when youbring an offer earlyon a property theclient says thec o m m i s s i o nshould bereduced as youdidnt spendenough timeon it. Yet clientsare happy to paywhen you havespent what they
consider enoughtime on selling theirhome. How did timebecome related to results andperformance? Is it not the price andyour personal situation that is the factor you consider when you takean offer on your house?
Time could be a trap for many considering how often we refer toit as passing us by. If we just let time be a marker or a point in whichto mark an event, not be our controlling force, then our choicesmay be vey different, and quite possibly our lives more enjoyableand simple.
Time When should you sell?
BUSINESSMATTERS
REALESTATE
21www.nrbm.com.au
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Lack of money, profit and cash flow sucks; its stressful, frustrating andsometimes embarrassing. Particularly if you are working long hourswith nothing to show for it. The good news is that it doesnt have
to stay that way really.The first step is to identify the true problem. Is it a profitability problem,
a cash flow problem or both?
Most business owners believe they just need more sales to fix thingsand this is rarely the right answer. Firstly you need to understand if youare profitable and secondly know how well you are doing at turningprofits into cash.We Need to be More Profitable
Profit is just the difference between revenue and costs. So all we haveto do is increase revenue and/or decrease costs. If only it were that simple!
Well it almost is. You have variable costs (Cost of Goods Sold - thatare incurred when you make a sale) and you have fixed costs (overheads incurred regardless of making sales).
These two costs must align for your business model. Are you makingmoney when you make a sale? (decent margins) and/or Are your
overheads as low as they can go without compromising business? Ifthey are, then more sales is the answer (look for my article next issue on
this). If not, then getting these numbers in line is your first task.Account for your own time too when factoring your margins.
We Are Profitable But Consistently Short on CashThis is actually good news because there are a number of simple
strategies we can use to quickly change this. Here are the main causesfor poor cash flow that you need to look into:
1. Paying for inventory (or labour) before being paid by customers(Negative Cash Cycle)
2. Poor inventory management (stuff in stock for too long)3. Poor accounts receivable management (not collecting fast enough)4. Paying bills too early5. Paying off debt principle6. Investment in assets (buying stuff)7. Owners taking too much cash out of the business
8. Theft.To improve cash flow in a profitable company, it would be common
to adjust several of these.Management of costs, effective pricing and cash flow management
are some of the least sexy parts of running a business. But they are theabsolute lifeblood. Without a good handle on your numbers, you are likea ship without a rudder; no ability to steer and react to get you to yourdestination. On my website I have some free videos about understandingyour numbers (www.jamiecunningham.com/free_videos). If this is not astrong area for you, invest the time to educate yourself.
There is a very strong correlation between financial literacy of thebusiness owner and profitability. Until next time, happy counting.
Show Me The Money!
BUSINESSMATTERS
BIZTIPS
23www.nrbm.com.au
Jamie Cunningham
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Make Your Expo Stand Work* Its hard to come by good
tea and coffee at events, sotheyll love you
* Caffeine is a pick me up andcreates a positive psychologicallink with your brand!
* A hot drink gives you time to engagein conversation while they wait for itto cool
2. Engaging staff Dont stand behind your table, make people wantto stop and chat further about your brand
3. Bribery - Use a quality promotional gift they'll keep & use as anincentive
4. Videos A high-quality video is eye-catching, stimulating andinformative. Include a call-to-action such as take one of ourleaflets or scan this QR-code to increase follow-up contacts
5. Live Tweets Display a live Twitter feed and allow visitors to follow
you, use your #hashtag and ask questions to your offsite socialmedia sales team engage and informing your visitors even whenexpo staff are busy
6. Get your iPad out Technology and cool gadgets help attract
visitors and are a great way of gathering contact details, completingsurveys and demonstrating your products.
Following up
Always follow up your new leads within a few days of the expo.A personal message is more memorable and does wonders for yourbrand perception.
Exhibitions are a big investment done well they deliver hugerewards. So plan ahead and make it work.
E
xposhave the potential to offer a great return on investment - butonly if you know how to grab the interest of the passing footfall.
Youve invested all that money to get there so lets get to work.You have to focus on two key things; attracting visitors to your stand
and once there interacting with them. Get it right and you can expectnew connections, increased conversions and plenty of new businessleads.
With every stand vying for attention how can you stand out?Attracting visitors to your stand
Here are 4 tried and tested attention grabbers:1. Entertain your visitors It could be a Scalextric track, a juggler or
a game/competition. Entertainment is a sure-fire way of gaininginitial attention
2. Spectacular stand design Whatever your budget, make yourstand attractive. Bold colours and innovative lighting can help todraw people to you
3. Interest Attendees are looking for new, innovative and workablesolutions to business challenges. So do your research anddemonstrate that you have solutions to their problems
4. Technology A neat gadget or two can be like a shiny object to amagpie. The most popular piece of tech Ive seen is a drift racingsimulator, which had visitors queuing. Everyone passing by wantedto see what the fuss was about, so it gained the stand even moreattention!
Engaging visitors at your stand
There is no one size fits all way to do this, instead its best tocombine a few techniques.
1. Coffee obvious, but it works;
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Input Sought to KeepCommunities Safe
Community consultation will begin on how the NSW Governments $10million Community Safety Fund is best spent to stamp out anti-socialbehaviour.
The Fund will invest up to $250,000 in individual grants for non-government or not-for-profit organisations, community groups,Chambers of Commerce and businesses to enhance safety throughoutthe state.
This fund is an extension of the efforts the NSW Government is doingto fight crime and I urge the community to take this opportunity tosuggest additional local initiatives.
Ideas on how communities can benefit from this investment includingCCTV, safety campaigns, and lighting are being sought.
Communities can create unique solutions for their local challenges
ensuring the Government is investing in projects that will make thegreatest difference.
Minister for Justice and Police Andrew Gee MP will lead consultationsin September meeting local community and business groups to discusscrime-fighting projects best suited for our towns and suburbs.
The Community Safety Fund will support projects that: Address local crime hot spots Address anti-social behaviour in communities Promote safe and inclusive use of public spaces Promote collaborative approaches to community safety and crime
reduction, prevention and detection initiativesFor further information visit: http://www.justice.nsw.gov.au/.
The NSW Government will establish Jobs for NSW - an innovativenew body to drive the creation of 150,000 new jobs over the next fouryears across the State.
The NSW Government will deliver its commitment of $190 millionover four years to support business investment by establishing theJobs for NSW Fund. The Far North Coast will benefit from this ground-breaking initiative that will be led by the private-sector, working withgovernment to attract and retain businesses in NSW.
Former Telstra Chief Executive and incoming CSIRO chair, DavidThodey has been appointed as its inaugural chair and has welcomedthe opportunity to work with the NSW Government to deliver jobsacross the state.
The Jobs for NSW fund will complement and support the following
funding initiatives which are part of a broader $678 million, four-yearinvestment by the government in jobs growth: Jobs Action Plan provides NSW businesses with a $5,000 payroll tax
rebate when they employ new workers in new eligible employment.This scheme has just been extended until 30 June 2019
$2,000 Small Business Employment incentive: provides a grant ofup to $2,000 for non-payroll tax paying small businesses when theyhire new employees from 1 July 2015
$25 million Jobs of Tomorrow Scholarship Fund: provides 25,000scholarships for students undertaking qualifications for technologyand growth jobsFor more information visit: www.industry.nsw.gov.au
Jobs for NSW EstablishedGeoff ProvestMember for Tweed
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Introducing
BYRON BAYBUSINESS PARK
Byron Business Park is situated on Byrons
main arterial access from the Pacic Highway.
This multi-use site spans over 17.5 ha, with heavy
vehicle access and ample parking;
2000+m of cold storage
Industrial spaces from 150 - 800+m
Administration and amenities
Open land
COLD STORAGE FACILITY
Various sizes from 134m - 2500m
New refrigeration system
Suitable for multiple uses
Heavy vehicle access
Loading dock
Offering a unique facility to the Northern Rivers region