NRBM Autumn 2016

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Welcome to your Autumn issue of NRBM. Well it feels like a never ending Summer for 2016 with temperatures still in the 30s well into March which is good news for those in the tourism sector as it has extended the season. This issue we feature Clarence Valley where council is taking an active role in the region’s economic development. Focussing on the Marine and Engineering sector a business cluster has been formed and cluster members are beginning to reap the benefits of sharing expertise and resources. Find out more about how clustering can ensure a big future for this regional economy. Business Matters this issue we address business issues and provide information to help you through the maze and on the road to working smarter not harder. Including Insurance, Real Estate, Employment & Training, Business Efficiency, Banking & Finance, Communications and Marketing. We welcome Adam Gibbs from S+P Lawyers Ballina who joins our team of experts as our legal eagle. All our experts are available to answer your questions on our “Columnists” page on our website: www.nrbm.com.au. All our regular columnists are there to help readers to get the most from their businesses. Check out the website and see how our experts can help your business. Happy Easter and have a successful Autumn.

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Content

NORTHERN RIVERS

MAGAZINE

Clarence
Cluster Success
Securing the Future of Marine
and Engineering

Communications
Solutions for Remote
Workers

Business Efficiency
Managing the Heart
of Business

Insurance

What’s in an Insurance
Premium?

Autumn 2016
$6.95 inc GST

rt

TUESDAY
THURSDAY
FR I DAY
SAT URDAY
SUNDAY

1
1
1
1
1

1
1
3
1
3

:
:
:
:
:

JE
JE
JE
JE
JE

05
05
30
05
30

T
T
T
T
T

S
S
S
S
S

T
T
T
T
T

A
A
A
A
A

R
R
R
R
R

Departures
Airline

Departs

06
09
09
1 1
1 2
1 5
1 6

:
:
:
:
:
:
:

30
1 0
1 5
45
50
55
45

REX
FLYP
JET S
JET S
JET S
V I RG
JET S

EL I CAN
TAR
TAR
TAR
I N
TAR

Destination

SYD
NEW
SYD
SYD
MEL
SYD
SYD

1
1
1
1
1

3
3
5
3
5

:
:
:
:
:

1 5
1 5
40
1 5
40

Arrives

NE Y
CAST L E
NE Y
NE Y
BOURNE
NE Y
NE Y

08
1 0
1 0
1 3
1 5
17
1 8

:
:
:
:
:
:
:

20
30
40
1 0
00
20
1 0

Now up to 58
flights 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 plus regular direct flights to
Melbourne and Newcastle travelling on Jetstar, Virgin, Rex and
new airline partner, FlyPelican. 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 indicative of a standard flight schedule and subject to change, details should be confirmed with the
airline partner.

ballinabyronairport.com.au

Gateway Airport

Editor's Note
W

Our Experts

elcome to your Autumn issue of NRBM. Well it feels like a never ending
Summer for 2016 with temperatures still in the 30s well into March which
is good news for those in the tourism sector as it has extended the season.
This issue we feature Clarence Valley where council is taking an active role in the region’s
economic development. Focussing on the Marine and Engineering sector a business cluster
has been formed and cluster members are beginning to reap the benefits of sharing
expertise and resources. Find out more about how clustering can ensure a big future for
this regional economy.
Business Matters this issue we address business issues and provide information to
help you through the maze and on the road to working smarter not harder. Including
Insurance, Real Estate, Employment & Training, Business Efficiency, Banking & Finance,
Communications and Marketing.
We welcome Adam Gibbs from S+P Lawyers Ballina who joins our team of experts as
our legal eagle. All our experts are available to answer your questions on our “Columnists”
page on our website: www.nrbm.com.au. All our regular columnists are there to help
readers to get the most from their businesses. Check out the website and see how our
experts can help your business.
Happy Easter and have a successful Autumn.

www.facebook.com/NorthernRiversBusinessMagazine
NRBM is and always has been proud to only use local suppliers.

Publisher

NRBM

Ashley Burke-Smith

T: 02 6685 7569
F: 02 6685 5430
W: www.nrbm.com.au
P: PO Box 1777, Byron Bay, NSW, 2481

Moyra Burke-Smith

Design
www.aguawebs.com
[email protected]
02 6676 2980

Contacts

Editorial Contributions:
[email protected]
Advertising Enquiries/Media Kit:
[email protected]
Subscriptions & General Enquiries:
[email protected]

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.
Recognised as one of the Top 25 Global
Accounting Technology Thought Leaders,
the only Australian-based professional
to to be recognised with this honour.
Greg Arnold, Effective Workplace
Solutions has 30 years experience as
a workplace relations practitioner and
manager in a broad range of industries
including construction, engineering,
publishing, and hospitality. He helps business
to reduce the risk and exposure to costly
disputation, court cases and prosecution.
Aaron Tapp, Colourworks has 27 years
of experience in the office products/office
automation industry. Aaron has been
involved in some of the most innovative and
successful businesses in the sector. Now
GM at Colourworks (Canon) Nth Rivers
Aaron and the team provide excellence
in print management and business
process improvement automation.
Gail Fuller, Byron Coastal Real Estate
providing sound real estate advice in property
management, holiday rental revenue, selling
and buying property. Our team is focused
on increasing your profit and ensuring your
investment is maintained to a high standard.

Moyra Burke-Smith
Editor NRBM

Editor

Jamie Cunningham has worked with 300+
business owners around the world. One
key result of his work is helping owners to
attract and hire top talent, saving them time
and stress in their businesses and their lives.

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.

Adam Gibbs, S+P Lawyers, has been a
solicitor in Ballina, Lennox Head and
Byron Bay since 2001. As a local business
owner and family man Adam and his
practice are very aware of the needs and
requirements of the local community.
Adam prides himself in being
approachable, professional and reliable
and is available to his clients at all times.
Andrew Virtue, Newcastle Permanent
Building Society is Lismore’s home-grown
Branch Lending Manager. With more than
30 years of banking and finance experience,
he provides guidance on how customers can
make their banking products work better
for them and their families’ long term goals.
David Bailey, Eagle Insurance with
20 years’ experience specialising in
corporate, transport, construction and
manufacturing insurances David loves the
challenge of finding solutions for highly
technical insurance. He helps customers
get the insurance they actually need.
Stephen Moon Coastal Voice & Data,
supplying communication solutions to
local businesses for over 25 years. We
strive to provide our clients with the
highest standards of customer service,
value for money and the most innovative
products and solutions available.

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

www.nrbm.com.au

Autumn 2016

3

Since 1995, Tweed Day Surgery has provided high quality clinical
care and a warm caring environment for patients from the
southern Gold Coast and northern New South Wales.
We recognise the integral role we play as part of the Tweed Heads/
Coolangatta community. This is reflected in the excellent support
programs we offer our patients and referring doctors.
We assist patients with questions about Tweed Day Surgery and their
stay, as well as planning resources for after hospital recuperation.

Our surgical services include:








General Surgery
Gynaecology
Maxillofacial Surgery
Oral & Dental Surgery
Ear, Nose & Throat Surgery
Urology
Ophthalmology

• Pain Management
• Gastroenterology &
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• Plastic, Reconstructive
& cosmetic Surgery
• Orthopaedics

To discuss available consulting times or to
arrange a time to view the facility, please contact:
Ms Robyn Sheather
General Manager
Tweed Day Surgery

T: 0755995522
M: 0408162034
www.nrbm.com.au

Contents
12

23

26

25

Regulars

16-19

Cover Feature

News 6-7

Clarence Cluster Success

Keeping you up to date with news from the region, including
The Round Up – news from the region’s chambers.

Clarence Valley Council is making great steps in securing a
flourishing economic future for the region. They are using
clustering as a tool to share expertise and resources in the
marine and engineering sector. Cluster members are already
getting results and as a group are able to offer customers
more and can work together on major tenders. Find out
more on p 18.

Business Matters

8-15 & 22-29

Covering the issues that matter to your business: Biz
Tips, Banking & Finance, Legal Corner, Employment
& Training, Insurance, Real Estate, Communications,
Business Efficiency and Marketing.

Pollies Points

38

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

16-19

Business Matters
Employment & Training

12-15

Give your business the edge with Professional Development,
Award Provisions and Employees of the Future

Banking & Finance

23

Cash Flow Management, are you in control?

Biz Tips

25

Why is setting a goal so hard? Find out how
to overcome planning lethargy.

Legal Corner

26

Don’t Let Debts Drag Your Business Down

www.nrbm.com.au

Autumn 2016

05

news & events
Tweed Declared a Regional City
Planning Minister Rob Stokes and Parliamentary Secretary for the North
Coast Chris Gulaptis have released a proposal that will see Tweed
recognised as a regional city for the first time.
Mr Stokes said the draft North Coast Regional Plan is the NSW
Government’s blueprint for the North Coast region over the next 20
years and will focus on generating jobs, providing homes and protecting
the area’s natural environment.
“This draft Plan sets out a vision for the North Coast over the next
two decades to help vibrant and sustainable communities flourish now
and into the future.” Mr Stokes said.
Mr Gulaptis said the draft Plan will build on the strengths of the North
Coast, while protecting its environment and heritage.
“This draft Plan is about providing new homes and jobs while

maintaining the area’s unique
character,” Mr Gulaptis said.
Member for Tweed Geoff
Provest welcomed the new
regional city status.
“The Tweed is a key regional
centre for the North Coast and
for NSW as a whole, and I am delighted it will be declared a regional
city,” Mr Provest said.
Member for Lismore Thomas George welcomed the draft Plan.
“This plan will help our region grow and prosper into the future,”
Mr George said.
The community can make submissions on the draft Plan until
Wednesday, 2 June and can also provide feedback via an online survey
and interactive map. www.planning.nsw.gov.au/northcoast

Impressive Growth in Clarence Economy and Jobs
Gross regional product in the
Clarence Valley grew by a
thumping 13% and employment
by 1500+ jobs in the 2014-15
financial year, the region’s latest
economic development monitor
shows.
The monitor, prepared by
Lawrence Consulting, shows
the number of employed people
increased by 7.3% to 22,206 in
the 12 months to the September
quarter 2015.
It also shows substantial

growth in the number of dwelling
approvals (up 58.7% to 200)
and the value of non-residential
approvals went up 498% to
$30.2 million over the year to the
December quarter 2015.
Mayor, Richie Williamson, said
the figures were fantastic and
showed increasing confidence in
the region and its future.
He said the performance of
the Clarence economy was put in
sharp perspective when compared
with the neighbouring councils

NSW Government Claim Cannabis 12
Hour Limit Questioned
A magistrate has launched a blistering attack on the NSW Government's
roadside drug testing regime, challenging the accuracy of its claims that
cannabis can only be detected in a person's saliva for up to 12 hours.
Lismore magistrate David Heilpern said he had heard hundreds of
cases over the past few months in which drivers said they had waited
days, sometimes weeks, after smoking cannabis before driving.
Yet they had still tested positive to cannabis and been charged with
the offence of driving with an illicit drug in their blood.
"In the vast majority of cases the time frame has been over 12
hours," Mr Heilpern said."On not one occasion has the prosecution
cavilled with this contention."
Mr Heilpern said the prosecution had also remained silent when
people claimed they had tested positive to cannabis after consuming
the drug by passive smoking, eating hemp seeds, rubbing hemp balm
or taking medicinal tincture.
"The prosecution have remained silent when people claim that they
consumed cannabis weeks prior," he said. "Not once has any scientific
evidence been produced to this court that supports the contention that
the final or any other test only works for 12 hours.
"It could be that every single one of those defendants are lying to the
police. However, on balance, I find that this is unlikely."

06

Autumn 2016

contained in the monitor.
“They show the gross regional
product in the Clarence Valley
growing at 13.1% while all
neighbouring councils were
negative, ranging from -7.5% to
-14.3%,” he said.
“It shows our annual average
growth over five years at 5.5%,
while all others were negative.
“It also showed employment
growth in the Clarence at 7.3%
while our neighbours had negative
figures ranging from -4.4% to

-6.7%.
“And there is a lag in these
figures. These might have picked
up on some of the early highway
work, but most of the economic
impact of that is still to hit.”
Cr Williamson said the monitor
still presented some challenges,
but the signs for the Clarence
were encouraging.
The 12 page monitor is
available from www.clarence.nsw.
gov.au

Protecting the Tweed River
Planning Minister Rob Stokes
and Member for Tweed Geoff
Provest have announced $97,500
for protection and management
of the Tweed River. The Estuary
Management Program grant funding will support Tweed Shire Council to
develop a 10-year Coastal Zone Management Plan to ensure community
access and environmental protection of the waterway.
“The Tweed River’s estuary ecosystem is a vital part of our local
community’s natural environment and I am pleased the NSW Government
is supporting its protection,” Mr Provest said.
“The plan will set out policies, strategies and actions for the next 10
years period to enhance the condition of the river with as little interruption
to community enjoyment as possible.”
Planning Minister Rob Stokes said the NSW Government was working
hard to protect and manage the state’s coastal areas and estuaries.
“The saltwater economy is an integral part of our way of life, and
we want to ensure we have healthy waterways with thriving, resilient
communities now and into the future,” Mr Stokes said.
The grant is one of 25 Estuary Management Program grants totalling
$1,799,036 awarded to 19 NSW councils and Local land Services to help
improve the health of local estuaries and maintain ecological values.

www.nrbm.com.au

the round up
Lismore Leaps into 2016

2016 has started with a bang for Lismore Chamber of Commerce
with 2 successful Business After Hours events already. January was
hosted by the Telstra Business Centre in Lismore and February was
hosted jointly by Property Professionals and Mortgage Choice.
Both events had great attendance and have kicked off our jampacked 2016 events calendar wonderfully.
This year we want to do things that appeal to all our members.
Through a range of events like BAH, Good Morning Lismore,
Corporate Fun Days, specialist events and more, we hope we can
appeal to all our local businesses.
For our first Good Morning Lismore breakfast event we were joined
by Jennifer Jefferies; who has published 12 books and spoken in over
13 countries and spoke about 'Cracking the balance myth'. She gave
us a humorous, no-nonsense presentation about work life balance
and healthy living and how to motivate both yourself and employees.
It was a terrific start to the day.
We have also been busy getting member feedback from 2 surveys.
Firstly, we have been asked to provide a submission indicating if
businesses support the half day public holiday for Lismore Cup.
Secondly, the Centre for Independent Studies, as part of the national
debate on wages and penalty rates, asked us to distribute their survey
to our members for their input.
Feel free to share your suggestions on how we can better engage
with you at: www.lismorechamber.com.au.

Ballina Chamber Celebrates Centenery
The Ballina Chamber of Commerce is very excited
to celebrate 100 years of actively representing and
actively supporting the interests of small business
in the Ballina Coast and Hinterland.
In 1914 the chamber was formed at a public
meeting and has remained active ever since. Past
minutes show the chamber has been involved
in many events including lobbying in 1919 for a
permanent dredge to be located at the Richmond River to solve issues
relating to the Ballina Bar.
The Chamber also pushed the Minister for Education to build a high
school for Ballina so students didn’t have to travel to Lismore for their
education. The same was true for the Ballina Hospital where Chamber
lobbied the Minister for Health.
Suffice to say the Chamber has played a role in almost every major
issue Ballina has faced over the past 100 years, especially as it relates to
the economy and business and we look forward to the next 100.

www.nrbm.com.au

Live Prawn Productions Announce Events
for 2016
The main event, Surfing The Coldstream Festival – will be on Saturday
15 October.
Festival Director Phil Nicholas said
“The existing volunteer committee is
now in its third year of running the
event and we’ll be consolidating
some of the things that worked
well in previous years while adding
a couple of new dimensions that are
likely to turn some heads.“
“That’s all I’m saying for now, so stay tuned to our Facebook page
to keep up to date with Festival news,” said Mr Nicholas. Performer
applications are already open via the Festival website.
The other two events take place in April during PLUNGE 2016 and
both events are fundraisers, but couldn’t be more different in style.
First up is the Australian Premiere of an enchanting film depicting
Scottish culture and lifestyle in the 20th Century. Made entirely of film
archive, From Scotland with Love is a 75-minute film by award-winning
director Virginia Heath.
Event organiser Phil Nicholas said, “The film is a journey into the
collective past of all people with Scottish heritage and covers themes
that will resonate with Maclean residents.” The screening is at Maclean
Civic Hall 2nd April.
The second event is the Secret Garden Party and takes place on
Saturday 16 April at Leche Café in Yamba. This mini-festival program
includes several live music acts, spoken word performers, and a UK
musician performing a song written especially for the event.

Byron Parking, Hot Topic
The topic still on everyone's lips is paid parking and the impact it is
having on the town. Many locals are commenting on the ease in
which they can find parking especially in the last few weeks as the
tourist numbers subside. There have been mixed reviews from the
business sector, we encourage members to fill in the parking survey
so we can assess any effects on local business.
The Shark Summit update was held in Ballina last month and while
there will be a delay with the installation of the shark barriers, more
positive progress has been made.
The helicopters are running daily over our shores, with the tracking
monitors now positioned in the bay, which you may have noticed are
the two buoys out to sea. These provide a signal to a satellite when
the tagged sharks approach our waters. The drones have also started
operation and are being monitored as a more permanent fixture.
The Masterplan is now on public display until Thursday 7th April.
Council is excited to be working with community on this project to
advance the Byron Bay Town Centre and the Shire and they value your
participation throughout this process. To Find out more got to: www.
byron.nsw.gov.au/byron-bay-masterplan.
This year's first Members' Forum Meeting will be held on 14th
April. If you have topics or ideas that you wish to present to the
business community please feel free to contact us to secure a spot on
the evening. www.byronunited.org.au

Autumn 2016

07

business matters

insurance

What’s in an Insurance Premium?

David Bailey, Eagle Insurance

C

ongratulations on getting this far. I’m guessing there’s
a lot of people who see the headline insurance and
can’t turn the page quick enough! But read on and
you’ll find out more about what affects your premium.
It all started about 4000 years ago when ancient
Chinese and Babylonian traders decided there
was too much risk in losing a boat load of their
precious cargo in rough seas, so to spread the risk
they decided no one boat should be loaded with
a specific product and instead, each boat had a
variety of loads. A couple of thousand years later
The Babylonians developed a system which was
recorded in the famous Code of Hammurabi, c. 1750
BC, and practiced by early Mediterranean sailing
merchants. If a merchant received a loan to fund his
shipment, he would pay the lender an additional sum
in exchange for the lender's guarantee to cancel the loan
should the shipment be stolen or lost at sea.
“Modern” insurance companies started with issuing a “Fire
Mark”. The fire mark would sit above the front door of a house
or would be a tile embedded below the front entrance. Insurance
companies ran the fire brigades at the time and when the fire bell
was rung the brigades would rush to the houses and check the
mark as one of their own. If it was they would fight the fire, if it
wasn’t…well.
The relationship with Insurance Companies continues today with
“Fire Service Levy” tax imposed on insurance premiums. This tax
is significant (33% on business policy fire premiums and 18% on

home insurance fire premiums). The good
news for policy holders is that, effective
July 17 the tax has been scrapped and
will be replaced with a property
based tax. Keep an eye on your
premiums next year because,
barring any major catastrophes,
they should be heading south.
Speaking of catastrophes,
why do they impact on our
insurance? Premiums are
dominated by re-insurance, this
is where our Australian insurance
companies have to cover
themselves and in order to do this
they have to go to bigger worldwide
companies. These companies charge
a percentage to take on the excess risk,
which in turn gets passed onto us. So that means
that catastrophes such as hurricane Katrina, which cost insurance
companies a whopping US$72 billion, will impact our local insurers
and therefore our premiums.
So even though we may have a good year without major floods
or fires within Australia it doesn’t always mean that your premiums
will stay the same. As a global community we are much like the
ancient traders who joined together their cargo to spread the risk
of losses.
Next edition I’ll have some tips on how to get your policies right.

Insurance you can
count on when
you need it most!
Why wait until you make a claim before finding out how good your insurance policy
is? Don’t risk it! Our insurance brokers are objective and can make sure that your
policy covers your businesses needs. At Eagle we can help you:






Make an informed decision
Avoid paying for what you don’t want
Access the full range of offers and products
Objectively assess what covers your business needs
Save time and focus on your business – let us shop around for you.

Our brokers live locally so you don’t have to speak to a call centre in another
state (or country!).

We know insurance so you don’t have to.
Call Eagle today for a no obligation, free assessment of your insurances.

BYRON BAY

BALLINA

SYDNEY

Freecall 1800 132 453
Freefax 1800 650 453
[email protected]
PO Box 2176, Byron Bay, NSW 2481

Phone 02 6681 5128
Freefax 1800 650 453
[email protected]
PO Box 2176, Byron Bay, NSW 2481

Phone 02 9797 9096
Freefax 1800 650 453
[email protected]
PO Box 85, Haberfield, NSW 2045

www.eagleinsurance.com.au
08

www.nrbm.com.au

business matters

real estate

Is Your Money Burning a
Hole in Your Pocket?
Gail Fuller, Byron Coastal Real Estate

W

e have this burning desire to spend money when we have it,
sometimes in a manner that is not truly supporting us moving
forward.
We often see buyers who are looking for property to buy get in this
panic motion of just needing to buy something, anything, just as long as
they have something.
When asked if it was the house they truly wanted, they often admit
that, no it was not the best choice and that they don’t like it.
Our home is such an important decision for our living needs that this
desire to spend often overrides our true intention of what we require to
support ourselves and our families.
Many a conversation has been had with clients supporting them to
trust that if they say NO to the one that is not right that a better property
will present itself.
It is often this saying NO to what is not right that allows us to say YES
to what is true for us in life. This can be applied to nearly every sector of
our life. We often get afraid that we will miss out or that the opportunity
will not arise again. It is actually part of our development to learn to trust
what is really true and understand that the right property will constellate
when we trust in the process.
One of the downsides of choosing just for the sake of being in the
market place is that you live with a tension in the home, as it does not
quite fit your needs. I find that constant thoughts, for example; the
bedrooms are not right or the living areas are not quite big enough are
always on your mind.

www.nrbm.com.au

We compromise in the one place that we spend our whole life in, the
place we retire to at the end of each day. It’s interesting that if our work
place was really uncomfortable we would probably leave, yet at home
we put up with it. The other more hitting issue is the transfer costs of
buying and selling.
We have to really start asking the question what is right for us in all
areas of our purchasing decisions.
Can I truly afford the property or am I buying it to look successful to
the outside world? Does the property support my daily needs? Is it better
for me to rent until I really understand the location and area I am buying
in? What looks good may end up being your greatest nightmare.
So in the end the best advice is to take your time and remember the
market will never run out, houses will still be there in 6 months time and
there is always a bargain no matter what the market is doing.

09

business matters

real estate

Lennox Head Ready for an
Epiq Transformation

B

allina-based Clarence Property has had early success with its $95
million Epiq Lennox Head community, which will deliver new
infrastructure, amenities and jobs for the popular beachside village.
Epiq will ultimately comprise some 480 homesites, a shopping centre
and sporting fields, and is expected to generate hundreds of new jobs
for locals, who have purchased the majority of lots in the first stage of
the project.
Epiq was launched to the market in August last year, with all 51
homesites in the first stage snapped up for a total of over $11 million
within just weeks of release.
Buyers are now lining up for the release of 80 homesites in stage two in
the coming weeks, with Clarence Property General Manager Paul Rippon
expecting the land to again sellout to predominantly local purchasers.
Mr Rippon said Clarence had identified Lennox Head as an area with
potential for growth based on recent infrastructure upgrades and the
shrinking availability of coastal land along the Gold Coast/ Tweed corridor.
"Lennox Head is a desirable location because it offers proximity to
Byron Bay, the Gold Coast and Brisbane following the recent completion
of the St Helena Tunnel and Ballina Bypass, so people can easily access
the city while living a relaxed coastal lifestyle," he said.
"Lennox also represents a real opportunity for those who have been
priced out of surrounding beachside suburbs due to increasing values
and diminishing land supply.
"Homesites in our first land release sold from just $230,000 and the
majority of purchasers were local first home buyers, which demonstrates
that people want to stay in the area and have just been waiting for the
chance to secure a property at the right price.
"Our aim is to invest in the future of Lennox by delivering affordable
property in addition to facilities like sporting fields, parks and shops
which will make Lennox an appealing place to live for generations to
come."
Construction of a 4.5 hectare sporting field complex - comprising an
AFL ground, Rugby/ Rugby league fields, soccer fields and two synthetic
cricket pitches - is due for completion later this Autumn.
Work has also recently commenced on a new road connecting
Montwood Drive and Hutley Drive, which will improve local traffic flow.
Epiq is being marketed by Elders Lennox Head Principal Michael King,
who says connectivity is an increasingly important factor for purchasers.
"The majority of recent purchasers have been young families who are
looking to be part of a highly connected community - meaning they can

10

Autumn 2016

cycle down to the beach and walk to recreation facilities within minutes
and easily drive to surrounding suburbs," he said.
"The enquiry we had over the recent Christmas/ New Year period is the
best we have seen in about eight or nine years which demonstrates that
people are recognising there is limited opportunity and are responding
with urgency."
Among the first purchasers to buy
in Epiq were Nathan Dee and Prue
Warren, who chose Epiq for its
location and affordability.
Mr Dee said he often
surfed at Lennox Head and
loved the idea of living near
the beach, but there was
limited land available in the
right price range until Epiq
was launched.
"Prue and I have lived
in Ballina and are currently
renting in Alstonville, so Lennox
Head has always been a favourite
spot for us to visit the beach and we
were excited when we heard that there was
an opportunity to buy land in the area," he said.
"There's not much beachside land available on the Tweed or Gold
Coast, and what we could find was quite expensive, so when we saw
homesites at Epiq just a short distance from the beach starting from
the mid $200,000 bracket we jumped on board.
"It's a better option than buying an older, established property in
the area or moving further inland to get a property comparable to our
new four bedroom home for under $500,000.
"Lennox Head is a small community but the plans for Epiq include
sporting fields and a new retail centre which will be convenient,
meaning we don't have to travel to do our shopping. When we do
need to go back to Lismore or Ballina for work or to visit friends it will
be an easy trip because of upgrades to local road networks and the
highway.
"We can't wait to move in and be a part of this new community."
For more information visit www.epiqlennox.com.au or www.
clarenceproperty.com.au

www.nrbm.com.au

STAGE 1
SOLD OUT

sindesign.com.au *15513

Lennox Head

business matters

employment & training

The Diploma Difference
Kerrie Bowtell, Community and Business Engagement, North Coast TAFE
or many enterprises on the North Coast, TAFE is the ‘go-to’ tangible positive change to the business and provided Joe with a
if they have staff members who are apprentices or trainees real case study to support his Sustainability Diploma studies.
Nathan Taylor studied a double Diploma of Business
and are studying a Certificate level qualification. What is
less well-known is that a North Coast TAFE Diploma course offers Administration and Human Resource Management. As well as
significant professional development for other staff which translate being able to complete what is normally a two-year part-time
course in less than a year, he was able to add to his business
into measurable benefits for the business.
Employees who study at Diploma level acquire deeper administration capabilities a range of practical skills across
theoretical knowledge and understanding of the vocational topics performance management, workforce planning and recruitment
and, typically combine that learning with significant, structured selection and induction. Which has been invaluable to him.
The most recent Australia-wide Graduate Outcomes Survey by
and relevant workplace experience. In many cases they use their
existing work as a case-study and, as a result, can bring surprisingly National Centre for Vocational Education Research showed that
around 85% of students who complete a Diploma qualification
enterprising solutions back to the business.
An example of this is Joe Sparks, from Ballina. While Joe were employed within 6 months. Many of them were in industries
which are in great need
was studying his Diploma
of skilled workers such
of Sustainability flexibly
as engineering, health,
through North Coast TAFE,
information
technology,
he undertook an energy audit
education and natural and
on his workplace as part of
physical sciences.
his studies. As a result of the
So there is quite clearly a
audit he was able to show his
positive Diploma Difference
employer how the business
for both the student and the
could make straightforward
business in this type of quality
changes to its energy usage
flexible learning. If you want
and save $4,000 a year in the
to explore what difference it
process.
could make for your business
This is a great outcome for
or career contact us on 1300
both Joe and his employer
628233.
that has brought about a real,

F

12

www.nrbm.com.au

business matters

employment & training

Productivity Commission Provides
Further Hope for Penalty Rates
Greg Arnold, Effective Workplace Solutions

I

n the days before Christmas, the
Productivity Commission released its
long-awaited report into Australia’s
workplace relations system. Not
unexpectedly the Report provided a
number of significant recommendations for
consideration by the Federal Government.
However overall, the Report suggested that
our workplace relations system is in need of
“repair, not replacement”.
Of course the major feature of that
Report was the recommendation that
week-end penalty rates be reconsidered,
suggesting that the Sunday penalties should be reduced to reflect
that of the Saturday penalty in the hospitality, entertainment and
retail sectors.
The Commission’s Report said “Penalty rates have a legitimate
role in compensating employees for working long hours or at asocial
times. However, Sunday penalty rates for hospitality, entertainment,
retailing, restaurants and cafes are inconsistent across similar work,
anachronistic in the context of changing consumer preferences, and
frustrate the job aspirations of the unemployed and those who are
only available for work on Sunday”.
Whilst this is good news for businesses in those sectors, the vehicle
for bringing about these suggested changes will still lie with the

Fair Work Commission (FWC). As predicted
the Federal Government has already stated
that changes to penalty rates is a matter
for the FWC to alter the Awards that are
relevant to these sectors. This approach is
not unexpected, because not only is this
issue politically charged but the altering of
penalty rates by legislation would create a
difficult political precedent.
Currently there are a number of matters
before the FWC seeking to reduce penalty
rates in the Awards in these sectors, as part
of the FWC’s review of modern Awards.
However, the comments and recommendations of the Productivity
Commission to the FWC surely must carry significant weight in the
submissions that employers make in these matters, in particular
highlighting the independent nature of the Productivity Commission
Report. It is expected that the outcome of those matters will be
known in the first half of this year.
Notwithstanding the outcome of these matters, it is important
for employers to be aware that there are a number of simple ways
of legally varying your current Award provisions for your staff. If
you would like advice on altering Award provisions and making the
working conditions for your business and your staff more flexible,
please contact us at Effective Workplace Solutions.

FROM STRESS TO SUCCESS

CREATING AN AWESOME WORK ENVIRONMENT
“…we established an agreement that not only achieved our aims, but also won Awards
from the Federal Government…” Murwillumbah Services Memorial Club
“... Greg handled a difficult situation within our workplace with astute professionalism
and obtained an excellent outcome for our business” Raine and Horne

YOUR LOCAL EMPLOYMENT LAW SOLUTION
• Employment Contracts

• Enterprise Agreements

• Workplace Health & Safety

• Advice on Termination

• Staff Handbooks

• Bullying and Harassment Training

• Payroll Audits

• Dispute Mediation & Resolution

WORKPLACE RELATIONS CONSULTANTS

www.nrbm.com.au

Greg Arnold Principal Consultant
p [02] 6676 3445
e [email protected]
m 0407 920 840
w www.ewsolutions.com.au
13

business matters

employment & training

Education, Jobs, Traineeships and
Apprenticeships

E

mployers, Registered Training Organisations, Apprenticeship
Centres and Tertiary Education will all come together on 12th and
13th May at the annual Northern Rivers Careers Expo.
This 2 day event, held at the Goonellabah Sports & Aquatic Centre,
is a hive of activity attracting School Students from years 10-12 looking
to make important decisions that will affect their future career, income
potential, ability to work locally, in the capital cities and/or travel overseas.
They are at an exciting but often bewildering time of their lives. Fortunately
there is plenty of help at hand.
The Careers Expo was originally launched to tackle unemployment
and local skills shortages by promoting Vocational Education & Training
(VET). By seeking out a skill in demand a student can genuinely improve
their chance of employment, often with more options and greater income
than those who have trained in an oversubscribed industry. This is a ‘win
win’ for local employers and jobseekers alike, with flow on benefits to
the local economy.
Today, more than 10 years later, the Careers Expo has grown to
include: TAFE, Universities, Private Education Providers, Major Employers,
Local Councils, Government Departments, Apprenticeship Centres and
Volunteer Groups.
Organiser Ashley Burke-Smith comments, “This event has grown way
beyond what we originally set out to achieve. There are courses offering
everything from Air Pilot Training, Audio Engineering and Business
Management to Child Care, Creative Design and Nursing, to Beauty,
Fashion, Film & TV. There are office based, agricultural, medical and even
global careers on offer.”

He continues, “This year we are thrilled to also be working with
the Department of Human Services, which will allow us to market to
Jobseekers and mature aged workers wanting to retrain. This is of real
interest to local employers, who find it difficult to locate motivated staff.
The Expo was already the region’s Biggest Careers Event and is now truly
a one-stop-careers-shop.”
With the event being already 80% sold out, the organisers are
encouraging local employers to consider whether they could benefit from
taking on a trainee or apprentice.
“There are very attractive financial government incentives for
businesses that take on a trainee, plus you get to train someone in your
specific business and industry. There are also many more young people
looking for a start than there are vacancies, so you genuinely get to pick
the cream of the crop. It makes good business sense and you’re giving
someone a real start in life. The loyalty and goodwill could go well beyond
your initial expectations”.
For more details about how to get involved in this year’s event, visit
www.nrcareersexpo.com.au.

You take care of business, we’ll take care of the rest
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.

Over 27 years’
experience in the
Northern Rivers

We take care of everything for you and are specialists
in recruitment, VET regulation, WHS and HR.

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14

02 6622 1363

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www.nrbm.com.au

Goonellabah Sports & Aquatic Centre

2016

Thurs 12th & 13th May 9.30am - 2.00pm

THE REGION’S BIGGEST CAREERS EVENT

96 %

79%

72%

82%

Rated their Expo
Space as Good or
Excellent

Rated the Expo
as Very or Highly
Useful

Signed Clients at
the Expo

Said They Would
Book Again For
2015

» Meet 1000s Of Career Focussed Individuals

» Promote Tertiary Education

» Market To The Region’s School Leavers

» Sign Up Apprentices and Trainees



We are still enrolling students
from the region from last year

PROUDLY SUPPORTED BY OUR
EXPO PARTNER

Download your prospectus today from - www.nrcareersexpo.com.au

www.nrbm.com.au

cover feature

Clarence Cluster Success
It’s all about a vision with a solid strategy
behind it. With the realisation that
significant infrastructure projects were just
around the corner for the Clarence Valley,
it was time to get prepared and make
sure an opportunity wasn’t missed. Over
two years ago Clarence Valley Council,
in partnership with NSW Department
of Industry, began a process to support
businesses to think big by clustering.

A

series of industry networking events and consultations
began the process with businesses in the engineering,
marine and fabrication sectors choosing to be part of a
program of activities aimed at improving the competitiveness and
productivity of member businesses.
These conversations and actions highlighted a number of issues
including the variability that exists between businesses in terms
of scale, management frameworks, systems, staff development,
resourcing and business development practices. Importantly it
also demonstrated an opportunity for the accumulation of scale
through collaboration to increase market competitiveness.
“Building trust was the key.” said Clarence Valley Council's
Economic Development Coordinator Elizabeth Fairweather.
“Once these companies started to have conversations through
networking the rest of the plan became clear.”
“Their willingness to work collaboratively and be honest

about their challenges helped us direct the focus and resources
to maximise the benefits for the cluster.”
It was an initial focus on tender process knowledge, market
readiness, relationship building and resource sharing that built
the foundations of today’s success.
The Industry Partnership and Resource Sharing Strategy for
the Clarence Valley Marine and Engineering cluster is a strategic
response to identified local challenges and opportunities.
This actionable regional blueprint has been developed from
conversations with industry, government agencies, learnings
from other cluster groups and secondary research.
Local businesses have committed to work together to help the
whole sector win business, share resources and expertise and to
continually innovate to provide the best solutions for clients. We
speak to 3 cluster members to find out more.

ANTHONY WICKS - WICKS & PARKER
Tell us a bit about what your company does
Wicks and Parker is a leader in crane hire and steel fabrication. Established
in 1927, four generations of the Wicks family have led the company. Many
North Coast iconic buildings bear the hallmarks of Wicks and Parker’s expertise
including: Grafton Shopping Centre, Grafton Library, Black Toyota building,
BCF and adjoining buildings and the Magic Millions Horse Stables Complex.
From blacksmiths roots, the business expanded and began manufacturing
truck and trailer bodies and components. In 1980 we ventured into crane hire
with the purchase of our first mobile crane.
Today, the company continues to evolve with an expanded crane fleet,
fabrication and structural steel services throughout the East Coast.
Why did you decide to be part of the cluster, what peaked your interest?
I have grown up and lived in the area all my life. I joined the cluster to both keep in touch with events/issues and have an input on ways
we can improve local industry. I felt it beneficial to network with companies in the industry for the future possibility of working together
on large scale projects.
What are some of the good things that the cluster has done?
The cluster is researching ways we can be more ready and compliant for upcoming major works. One example is organising courses to
obtain tickets specific to our industry. They provide regular information updates on the scopes of works predicted in the area and direct us
to information offered by other firms on local projects.
What’s your company been able to get out of it?
Our company has been able to anticipate the work that is coming, and expand its crane fleet to accommodate the work as it progresses.
On the steel fabrication side we have seen an increase in work in the local area and we’ve increased the number of staff we employ.

16

Autumn 2016

www.nrbm.com.au

cover feature
ROSS ROBERTS - HARWOOD MARINE
Tell us a bit about what your company does
Harwood Marine has operated in the Clarence Valley for over 20 years. Our
primary services include ship design, repair and new construction, as well as other
marine projects such as specialised wharves and pontoons. While our speciality is
marine, we also provide general fabrication and engineering services. We also have
a specialised abrasive blasting and painting facility, which compliments the other
facets of our business.
Location is key and we are well placed along the prime river frontage and only
2kms from the Pacific Highway to service both sea and road transport.
Why did you decide to be part of the cluster, what peaked your interest?
As a small company, we often strike impediments that larger companies do not,
due to availability of resources and funds.
By working collaboratively, we can share skilled labour when cluster members are at a lull or a peak, whilst improving our company profile in order
to attract larger contracts and/or clients outside the Clarence Valley.
What are some of the good things that the cluster has done?
We have had great access to experts to assist our business general operations in areas such as tendering and training.
The cluster has put us in touch with other local engineering companies, creating a forum for our businesses sector to discuss where we need
assistance to overcome business impediments.
We are also able to utilise the services these cluster members offer that we don’t and can steer customers to other cluster members where possible.
What’s your company been able to get out of it?
The experience has assisted our company to gain further knowledge and tools to boost our business profile.
We have improved our tendering successes, gained access to funding for training and direct contact to industry experts that know exactly who to
talk to and how to approach business impediments we all face in our area.

ANDREW HARRIS - ANDREW HARRIS
ENGINEERING
Tell us a bit about what your company does
Andrew Harris Engineering Pty Ltd has made itself a one stop shop with a
large stock of steel, aluminium and stainless steel. This is complemented with
a shop of welding consumables, bolts, paints, lifting chains and slings. The
workshop comprises of sophisticated metalworking machinery that can cut,
punch, fold and roll metal to tackle what ever is required by the client. Being
in a small town like Yamba you have to be diverse in what you can provide.
Why did you decide to be part of the cluster, what peaked your interest?
It is always good to be in touch with similar businesses to yourself. Although
we are competitors in some way, there is always a certain amount of knowledge or experience that we are willing to share. As a group we
are also able to voice our concerns with more impact in getting something done about it.
What are some of the good things that the cluster has done?
By bringing us face to face the cluster has helped break some barriers between the businesses and has showed that we have similar
concerns and needs. The cluster has arranged training sessions for our employees to gain extra qualifications. By joining together we had
enough numbers for training providers to create courses locally.
Clarence Valley Council’s Economic Development Coordinator, Elizabeth Fairweather has liaised with government departments to assist
with the needs of some of the businesses that were not aware of such assistance until being in the group.
What’s your company been able to get out of it?
Andrew Harris Engineering has been able to have several employees trained in the local area rather than travelling to Brisbane with all
the added costs of doing so.
The cluster has also been helpful in connecting us with government agencies to assist with the growth of the business.

These businesses are partners in the Marine and Engineering Cluster sharing trust and
openness – and it is this value that provides the premise for the group’s foundation.
The project makes a significant statement. It indicates to the market and community
that Clarence Valley has a rejuvenated manufacturing sector, one that is embracing
change and innovating for success. It’s a landmark moment stablishing a pathway for
unlocking the value in this sector, enabling prosperity, productivity and growth.
www.nrbm.com.au

Autumn 2016

17

cover feature

Harwood Marine, Investing in the Future

B

ased in the Port of Yamba on the Clarence River, Harwood Marine
stretches along 1.2kms of prime river frontage, only 2kms from
the Pacific Highway and 40kms from railway, ideally accessible by
all forms of transport.
Harwood Marine is focused on the provision of world class ship design,
ship building and repair services for the marine and associated industries,
they also work on other engineering works such
as farm machinery repairs and modifications,
minor bridge and steel fabrication works.
The current Directors took over the small ship
repair facility in 1994 and focused on continually
improving the site to include: installation of
a specialised abrasive blasting and painting
chamber, wharf upgrades and achieving Quality
Certification to ISO 9001. They are currently
working on their latest major improvement,
the upgrade of their slipway cradles in order to
continue servicing commercial vessels well into
the future.
The team has diversified the overall business
structure to ensure business longevity: engaging
their own in-house team of naval architects in
order to design and build new vessels rather than
limit themselves to repair works. This has led to completing major projects
designing and constructing commercial cargo/passenger vessels, tugs,
barges, survey vessels and other purpose built workboats.
Ross Roberts comments: “A large part of our vision is to continue to
provide a facility where marine industry trade skills are developed. 25%
of Harwood Marine’s workforce are apprentices - not always young

people out of school, but also adults wanting to gain trade qualifications
in roles they have been carrying out most of their working lives. We
believe in fostering an environment conducive to learning, concentrating
on Engineering Fabrication and Mechanical, Electrotechnology, Abrasive
Blasting and Painting. We are proud of being able to give back to the
local community, through provision of jobs and training for our youth.”
Another diversification is the research and
development of green technology in the form of
hull lubrication systems (WAIP). These are devices
installed on ships to lubricate the hull, reducing
drag and saving operators heavy fuel usage and
costs, but also reducing carbon emissions. This is
quite an exciting venture still under development,
now in its. trial stage.
Through discussions with government
representatives regarding challenges that small
businesses face, Harwood Marine became
involved in the development of a Marine &
Engineering Cluster with the assistance of
Elizabeth Fairweather, as Economic Development
Officer for Clarence Valley Council. The concept
was to work alongside other local engineering
companies to boost their business profiles as a
group and achieve more success with tenders and contracts both within
and outside the local community. “We consider the venture has been
valuable, assisting us to gain further tools and knowledge to overcome
issues all of our businesses face.” Ross said.
Harwood Marine are set for a positive future continuing to diversify
and grow, while having a positive impact on local community.

HARWOOD MARINE
SHIP BUILDING, SHIP REPAIR & DESIGN
162-164 River Road East, HARWOOD NSW 2465
Ph: (02) 6646 4222
[email protected]
www.harwoodmarine.com.au

18

www.nrbm.com.au

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c
n
e
r
a
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cg
livin
[ live happy ]

KING
IF YOU’RE THIN
ATING,
ABOUT RELOC
HAPPY
YOU CAN LIVE
CE VALLEY.
IN THE CLAREN

d
Life speeds up an
mplicated.
becomes more co
ple things,
We yearn for sim
e of connection,
like time, a sens
;
g to a community
stability, belongin
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nc
era of innoce
and a return to an

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ft o n | m a c le a
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|
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RE
TO FIND OUT MO
ence
.au/livingintheclar
clarence.nsw.gov
.gov.au
[email protected]
am
ic Development te
or call the Econom
on 02 6643 0200

business matters

business efficiency

Automate Your Business Process

Aaron Tapp, Colourworks

E

very business is looking for a competitive advantage through
innovation and improved productivity, so where to start?
We have transformed over 1,500 businesses in automating
existing business processes by linking their people with critical business
information systems and business applications.
Every day we see the same process improvement challenges in
businesses of all sizes across all industries. Business owners and managers
want to optimise their business process but often are looking for a ‘silver
bullet’ to achieve successful business process automation outcomes.
There are three key influencers they need to address:
1. Process
2. People
3. Technology
Process
To truly increase your productivity, look at how your manual business
processes might be automated. Dramatic business process improvement
can be achieved through a range of business technology services that:
• Automate the capture of data and information at the start of the
process removing manual data entry and verification
• Manage your workflows concurrently with assigned worksteps
providing complete audited transparency and accountability
• File and categorise all documents electronically dramatically reducing
reliance on paper-based documents and files
• Provide web-based and mobile connectivity or remote or off-site access
• Directly integrate with existing business applications for automated
transfer of data and information
People
Your customers, suppliers and staff all play a role in your business
processes. To achieve optimisation they must provide a cohesive digital
workplace that supports people.

Generally in any business process people will either have certain
tasks to perform, a need to access data, information or documents,
or need to be kept up to date on the process progression. So make it
efficient:
• Improve access to specific data, information and documents
• Increase real-time collaboration and information sharing with others
• Improve accountability and transparency
• Increase capacity and productivity of people
• Reduce errors and improve customer service
Technology
The key role here is to link your people with critical business
information systems and business applications. The technology must
integrate seamlessly throughout the entire business process and
improve automation outcomes.
Businesses that constantly invest in business technology services to
improve their business processes, customer experience, and productivity
are often more profitable. For them business technology provides:
• Integrated and networked devices such as printers, photocopiers, and
scanners as part of automated business workflows
• Consolidation and linking of scattered data and information across
multiple locations, systems, servers and applications
• Reduction in running costs and downtime associated with out of
date and inefficient hardware devices
• Customised software applications to improve particular aspects of
a business process by removing duplication and improving business
compliance analytics
For more information contact Colourworks Northern Rivers on
0411886000 or 02 6621 9191

SAVE MONEY - SAVE TIME - SAVE PAPER
Our Managed Service Agreements
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Save Money and Improve Efficiency – Call Us Today
20

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business matters

business efficiency

Managing the Heart of Business
Clayton Oates, QA Business

I

f “The Purpose of a Business is to Find and Keep a Customer” as famed
Management Consultant Peter Drucker once said, then how do we
look after the customer once we have found them?
Like most aspects of business today, technology is playing a significant
role in the area of Customer Relationship Management (CRM) with
systems that are assisting in the overall management of the customer
relationship.
CRM has traditionally been the domain of large corporations (you
know - when they are recording everything you say
on those calls you make to them so that whatever
you said could be used against you in a future
conversation with them), chances are they were
recording the conversation and actions in their
CRM system. However we are now seeing a
significant uptake in this big business tool by
small business at a small business price point.
The adoption of CRM by small business is
being accelerated by several trends, including the
widespread adoption of Cloud and Mobile technologies
and the synchronisation of CRM systems with other business
applications including mainstream accounting applications, e-commerce
platforms and web based marketing tools.
So What is CRM?
Whilst the term CRM invariably means different things to different
people it could broadly be defined as a way of managing a business'
interaction with both existing and prospective customers.
Some common characteristics of a CRM system revolve around
business processes such as:

• Recording team member interaction with customers and documenting
of Activity Notes (i.e. who said what to who about what?) and
assigning corresponding Tasks to be undertaken by individuals within
the business
• Managing Leads and the Sales Pipeline and Opportunities
• Customer Service Scheduling
• Marketing Campaign Management
• Standardisation of Customer Communications via the use of
Templates
• Automation of workflow ( e.g. the process of handling a new
customer enquiry)
• Customisation of additional database fields tracking key information
that can be searched and reported upon
• Updating of financial activity with the customer (e.g. enquiry of who
has not purchased from us this year but did buy from us last year)
• Job management workflow
• Synchronisation of email (and calendars) automatically assigned to
the customer record to which the email relates, this removes the silo
of data locked up in individual in-box's
• Dashboard display of all Customer related tasks being undertaken
by the business, helping alleviate one of the main factors that keeps
Small Business owners up at night – wondering if the actual customer
experience is in line with the promise (marketing) that attracted them
to do business with us in the first place
The opportunity that a carefully implemented CRM system can
present to a business is enormous and is now a tool that is accessible
to any sized business that is looking to better serve their existing (and
future) Customers.

“Creating
Time for Moments
That Matter”

Business Efficiency
Specialists in Cloud
Based Business Solutions
Accounting, CRM,
Payroll, Consulting,
Training & Support
(formerly referred to as QuickBooks in Australia)

– Check in with your business – anywhere / anytime

Call us for a complimentary assessment to determine if the cloud is right for your business
E: [email protected]

T:1300

289 846

W: www.qabusiness.com.au
21

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business matters

banking & finance

Cash Flow Management, It’s Make
or Break

Andrew Virtue, Newcastle Permanent Building Society

D

on’t confuse profit with cash, a profitable business can
fail because of a shortage of cash. Cash is the life blood
of the business. If a business runs out of cash it’s at risk
of insolvency, which makes strong cash flow management crucial.
Cash flow is simply the money coming in and going out of your
business – if you have more money coming in than going out, you
have a positive cash flow.
To achieve positive cash flow or address negative cash flow, forecast
your expenses and ensure you can pay your debts when they become
due. In periods of negative cash flow (such as seasonally lower business
periods), it’s vital the business is able to fund this shortfall.
Stay on top of your debts
Collecting debts is all part of owning a business, here’s some tips:
• Always specify a due date on your invoices – the sooner the better
• Follow up overdue customer payments immediately
• Issue invoices immediately you provide your goods or services, rather
than weekly or monthly
• Offer discounts to customers for paying invoices early
• Consider requesting deposits from customers ordering larger or more
expensive items or services.
Review your prices
It may seem daunting to raise prices, but it will help to address
inflationary costs and protect your (all-important) profit margin. This
needs to be considered in line with the market and your business'
value proposition but small price increases can potentially have a very

positive effect on your business cash flow and
profitability.
Check your assets
Is there any equipment your business
could survive without? Selling unwanted assets
improves cash flow, or consider leasing assets to
help spread the cost over a longer period.
Watch out for overheads!
Regularly analyse expenses to help reduce or re-negotiate costs, or
seek alternative providers. For example, changing to an off-peak internet
plan saves you money while still servicing all your needs. Re-arrange the
timing of your expenses or make provision for periodic payments for
larger expenses to ensure they closely align to your cash flow.
Excess stock
Unused or surplus stock is a waste of cash which could otherwise be
invested in your business. It’s important to stay on top of inventory, be
aware of products that aren’t selling and think about discounting. Also,
consider modifying the quantity and/or timing of your stock purchases to
coincide with periods of higher cash flow demand.
Schedule your payments
Schedule when you pay your supplier invoices with when you receive
payment of your customer invoices to avoid a disparity in your cash flow.
It is always prudent to plan the timing of your payments to maximise your
cash flow and ensure wherever possible you negotiate terms of trade that
are favourable to your business.

Business
gets personal
Imagine the convenience of having your home loan and business
loan under one roof. Our Business Solutions team offers just that,
with a broad range of professional business banking services to
help you prosper.
Give us a call or drop into a branch to arrange a meeting with one
of our Business Relationship Managers today.
Business Loans
Merchant Facilities
Financial Planning
Internet and Mobile Banking
Transaction Accounts

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13 19 87 newcastlepermanent.com.au

Here’s some more information for you: Terms, Conditions, Fees and Charges apply. Newcastle Permanent Building Society Limited ACN 087 651 992, Australian Financial Services Licence/Australian Credit
Licence 238273. NPB3253 HP

www.nrbm.com.au

23

business matters

communications

Solutions for Remote Workers
Stephen Moon, Coastal Voice and Data

W

e live in an age where working remotely has become the
norm in many industries, so businesses need to savvy up
on how to support their remote workers in order to help
them perform at their most effective.
If you want to get the most out of your remote workers you need
to give them all the same communications
and collaboration tools that in-office
workers have so they can be just as
productive.
In a competitive global
marketplace, organisations are
under pressure to find new
ways to attract and keep
top performers, locate them
where they can be most
effective, and help them
stay productive. This has led
to a growing trend toward
remote workers, who are
breaking the traditional mould
and working out of homes and
small offices across the country and
around the world.
Leading experts say that working
from home or a remote office has never been
more productive. However this is only possible if staff have an “in
office” experience anywhere they work. They need to be able to

communicate with clients and coworkers as if they were in the same
building.
When remote workers have the communications capabilities they
need to perform well, the entire organisation benefits. Combined
with the flexibility of working off site you’ll benefit by building an
environment for productive, efficient, loyal workers
With a mobile workforce comes a technological challenge
however Mobile Extension integrates mobile phones into the
PBX, providing all services needed to allow your employees
to become truly mobile professionals.
Mobile phones, allowing you to move around and still
be able to call or be called, are a fundamental element of
mobility. But supporting mobile behavior requires much
more. The mobile professional also requires access to
the applications, services, support, and flexibility that
your communication system provides.
Whether at a client site using a laptop, at the airport
with tablet in hand, or anywhere in the world on a
smartphone, Mitel Solutions for Mobile Workers provide
these critical players with the advanced communications
capabilities they need.
Providing mobile workers with this kind of advanced unified
communications and collaboration capability helps them be more
productive and drives better, more efficient customer relationships.
The future is bright for those businesses that embrace the
technology to make the jump to a truly integrated mobile workforce.
For more information visit: www.cvd.net.au.

KEEPING YOU OPEN FOR BUSINESS

CVD has supplied communication solutions to local businesses for over 25 years. Our clients
receive the highest standards of customer service, value for money and the most innovative
products and solutions available.
Business Quality Communications
IT Solutions
Cloud Services

Mobility Solutions
Business Application Services
Private Network Solutions

For the Best Advice and Solution for Your Business, Call CVD Today:
www.cvd.net.au
1800 115 795
[email protected]

24

www.nrbm.com.au

business matters

biz tips

What’s Your Daily Number?
Jamie Cunningham

W

hat would you say to someone who told you they were
training to do a personal best marathon time, but who
also weren’t timing themselves? Or similarly, someone
who told you they are working on losing weight, but never did a
weigh in?
These two examples might seem obviously ludicrous. If so, here is
a question for you. Why is it that so many of us set ourselves goals
yet do a lousy job at tracking our progress along the way? Now, you
might be saying “well I’ve got a pretty good feeling if I’m on track
or not” and I think most people would answer the same.
There is a big difference between a ‘gut feel’ progress report and
hard stats. The reason being, we always (ok, often) have a cognitive
bias and give ourselves the benefit of the doubt.
Think of a habit or practice that you are working on bringing into
your life. It might be: getting more regular with flossing, or spending
more time being present with your kids, or exercising perhaps.
Now, if I asked you how many times you’ve done that practice or
habit in the past month, what score would you give yourself? I’d feel
very confident that whatever your answer, it is going to be higher
than what is actually true. This is not because you are intentionally
lying, it is simply because our memories are unreliable.
If you were thinking about doing your new habit but didn’t
actually do it, sometimes we get that mixed up with having done it.
So we end up with a skewed memory.
A practice or task might be on your mind a lot, but that does not
mean it is getting done!
Let me bring this back to business; in particular sales. When I work
with sales teams, I introduce a tool called the ‘Sales Game’. This is

www.nrbm.com.au

a very simple tracking system that allows a sales person to monitor
their critical activities. Critical activities are activities within a sales
person's control (like making a phone call) that can contribute to
making a sale.
Invariably when we introduce this tool, the numbers come up
way short. This allows us to dive into the root cause, and make some
massive shifts in the way each person is working. Before long, it
doesn’t require my input to make the shift. Each person can see their
own score, so they know when they need to adjust – and they do.
Having your score ‘front and centre’ plants it in your conscious
mind. And when the day is just about over and you see a blank slate
it prompts you to take action - NOW!
So what is the best frequency for measuring? It’s daily.
Find one key number for each area of your business (start with
just one area and progress from there. If you are growth oriented,
I’d recommend sales). Make sure it is easy to measure, and start
publishing it on a daily basis to those who can affect it.
Start your morning meeting (if you’re not having these, this could
be your first habit to start tracking) with this number and compare
it against your target. This will bring focus and help you to stay on
track.
Make a game of it. It is important this concept is positioned as
a proactive tool - so how you introduce this to your team is critical.
You may even introduce rewards based on results.
Time and time again, I’ve seen dramatic results from this one
simple idea. It is a game changer.
If it resonates with you, get on it! I’d love to hear your results
[email protected]

25

business matters

legal corner

Don’t Let Debts Drag
Your Business Down
Adam Gibbs, S+P Lawyers

O

utstanding debts can be devastating to a small business. They
affect the cash flow and solvency of your business. Sometimes
legal help is required and when this need arises there are
procedures to follow.
When seeking payment for goods or services, usually the first step is
to draft a letter of demand.
This should clearly identify the goods or services rendered, the sum of
outstanding monies and provide a defined period in which the debtor
can settle before legal action is taken.
If the debtor still does not make payment then legal action may be
commenced or, in some instances, a second letter of demand may be
rendered. For the latter you may want to include a draft of the Statement
of Claim and an estimate of the costs associated with legal action.
Legal action is commenced by filing a document called a Statement
of Claim in the appropriate court.
Claims up to $10,000 are filed in the Small Claims Division of the Local
Court. Claims more than $10,000 and up to $100,000 (or $120,000 in
some limited circumstances) are filed in the General Division of the Local
Court. All other claims are filed in the District Court or the Supreme
Court.
Claims can be brought against a person (sole trader), a group of
people (partnership) or a corporate entity (company, incorporated
association). If the debtor is trading under a business name, then a
business name search must be conducted to identify the owner of the
business as the debtor.

Once the Statement of Claim
has been filed with the Court,
the debtor must be served with
the Claim. The debtor has 28 days to
file a Notice of Defence, or confess and
apply to re-pay by instalments. If the debtor
fails to take any action, then one may apply for default judgment.
To collect your debt after commencing court proceedings a
settlement must be negotiated or a judgment obtained in your favour.
The parties may negotiate settlement terms at any time prior to the trial.
To prepare for a trial, evidence must be filed pursuant to the court
rules. Usually affidavits, which are written submissions of evidence,
and supporting documents will need to be prepared and filed with
the Court.
During trial, the Court will hear evidence from any witnesses and rely
on the parties filed evidence to make a decision. The Court’s decision is
referred to as the judgment.
To recover monies after judgement often involves obtaining a writ
of execution against the debtor’s property, securing a garnishee order
against the debtor’s wages or bank account, or forcing the debtor into
bankruptcy if the debt is more than $5,000.
Good legal advice may well be the difference between a successful
business and one that fails. When the problem is caused by a party
not paying you for your work you should always obtain good concise
advice. For more information call 02 6681 6334.

Isabelle Brady
• Wills and Estate Planning
• Power Of Attorney & Guardianship
• Conveyancing

02 6681 6334
5 / 37-41 Cherry St Ballina
26

Adam Gibbs
• Criminal & Commercial Law
• Traffic Offences
• Probate

0417 682 357
www.splawyersballina.com.au
www.nrbm.com.au

business matters

energy

Plan Before You Plant to
Avoid Powerlines

E

ssential Energy is asking residents to be aware of new
standardised vegetation clearance zones around powerlines
before planting trees and other vegetation to ensure the
ongoing safety and reliability of the electricity network.
Regional Manager North Coast, Brendon Neyland, said the new
requirements would help to minimise the risk of power outages and
bushfires caused by vegetation contacting powerlines.
The clearances vary depending on powerline lengths and voltages,
as well as the location of vegetation within the line span to allow for
an amount of swing and sag that can occur in wind and extreme
heat.
“It’s important to remember that storms and high winds can cause
trees and branches to contact powerlines if they are planted too
close,” Brendon said. “This can result in unplanned and inconvenient
power outages, damage to powerlines and even bushfires.”
Essential Energy recommends homeowners check the expected
mature height of the tree and consider the location of powerlines
before planting.
As a guide, trees should be planted no closer than 15 metres
from powerlines – or at least the distance equal to its mature height
– whichever is greater. The taller the tree, the further away it should
be.
Always gain council approval before planting any trees or
vegetation on the nature strip and avoid planting near underground
pits, padmounts and electrical pillar boxes to ensure Essential Energy
maintenance crews have unobstructed access to network assets.

“It pays to plan these things
in advance, as trees planted in
the wrong place will need to
be pruned or even potentially
removed at great expense,”
Brendon said.
As part of their comprehensive network maintenance program,
powerlines are regularly inspected to assess risk levels and ensure
minimum safety clearance zones between vegetation and powerlines.
Trimming further than the minimum safety clearance zone is also
performed so vegetation will not encroach on this zone before trees
are trimmed again. The voltage of nearby powerlines, local bushfire
classifications and a tree’s age, species, regrowth rate and general
health are also taken into consideration.
Responsibility for the trimming or removal of trees identified
as a risk may depend upon whether they’re naturally propagated
or if they’ve been planted and allowed to grow directly under or
alongside powerlines. A property owner may be responsible for the
cost of managing tree trimming or removal of trees planted too close
to powerlines.
Trimming vegetation near powerlines is extremely dangerous and
should only be undertaken by qualified personnel.
To find out more about vegetation management near powerlines,
the new standardised vegetation clearance zones or to download
a free copy of Essential Energy’s Plan before you plant guide, visit:
https://www.essentialenergy.com.au/trees or call 13 23 91.

VEGETATION CLEARANCES
AROUND POWERLINES
Trimming or removing trees to maintain safe clearance zones is an ongoing
priority for Essential Energy.
Clearances are required because trees planted too close to powerlines
can become bushfire hazards, cause network damage and power outages
during storms.
This diagram shows how Essential Energy manages
vegetation that is growing too close to powerlines.
Please refer to our Vegetation Management
Plan for current clearance distances
at essentialenergy.com.au/trees

• Clearances between trees and
powerlines increase as voltage and
span length of the powerlines increase
• Clearances in the middle of the span
are greater to allow for conductor
swing and sag for any spans greater
than 100m
• Always plant a tree at least 15m
away from powerlines, or at a distance
equal to its mature height – whichever
is greater. Some properties may be
subject to easement conditions that
impose even greater clearance
distances
• A tree’s proximity to powerlines and
the trimming required to maintain
clearance distances may mean some
trees are removed completely.
For full details on planting guidelines
and trimming distances call 13 23 91
or visit essentialenergy.com.au/trees

KEY

Like us
or follow us
for
information during power outages

Minimum vegetation clearance
Additional allowance for regrowth
(species dependent)

www.nrbm.com.au

27

business matters

marketing

Positive Products for Your Brand
Moyra Burke-Smith, Cool Promo

M

ore than ever, building a brand name is key in
the success of any business. Getting that
brand into the minds of customers is one
thing, but staying there is another.
With so many channels to get your brand
noticed you have to be savvy which you
choose, unless you have bottomless
pockets of course.
Promotional products are a highly
cost effective way of achieving brand
visibility. In comparison with internet, TV
and printed advertising material, studies
have found that the recall rate of a brand
name is drastically higher when seen on
a product. The brand is seen again and
again, day after day, week in, week out... it literally becomes part of the
furniture.
This is the kind of brand penetration that creates a lasting, personal
connection. Often what starts life as a branded promotional product
becomes the favourite pen, "my cup" in the office, or the family beach
umbrella that becomes known by the name of the brand on it. ‘Don’t
forget the Stella’ was the phrase we had in our house for the 10 years
we had a Stella Artois beach umbrella. Now the umbrella may have cost
them $30, for that they had 10 years of visibility from that investment,
what other medium does that?
Associations and connections are made with those positive
experiences...that first cup of coffee in the morning...the beach holiday...

However, you do need to protect your brand, don’t
be drawn into buying cheap and nasty throwaways, it
will damage your brand. There are plenty of good
quality economical items you can find, just keep
these 4 things in mind:
Will it be used? The more use the
product gets, the more exposure for
your brand. Everyday practical items get
used - pens, coffee mugs, bags, water
bottles... These high use items are ideal
for branding and don’t break the bank.
Is it good quality? You naturally want
to align your brand with quality. Poor
quality product sends all the wrong
messages... High quality provides for a
positive and lasting association with the brand; the item lasts longer, will
be frequently used and therefore increases the exposure of the brand
and ROI.
Is it appealing? Undoubtedly, appealing and attractive items have a
higher use rate - if people like a product, they will use it time and time
again. Once more, the higher the use, the higher the brand exposure.
Is the decoration high quality? This is essential - if the branding looks
unclear, messy or wears off before the end of the life of the product…
need I explain further?
There are literally millions of items on the market, so take your time
and ask for advice from your promotions supplier, they generally know
what’s hot and what works for different target markets.

Google Analytics - If you’re not
Measuring, you’re not Marketing
Tye Brown, Aguawebs

E

very business owner who owns a website should
be measuring their visitor traffic with some
form of web analytics, 2016 is time to get
serious about it. Most don't offer any value out of
the box and could actually be costing you money
because you're looking at metrics that don’t
matter.
Google Analytics is a superb tool. It’s free, it’s
reliable, and it captures every little piece of useful
information about your website. But are you acting
on the information and do you really know what you are
looking at? We rarely log in and look around, and when we
do, we don’t always know what it is that we should be looking for.
Do you know which are the best performing pages on your
website? Is your Social Media marketing effective or are you wasting
precious time? Is your blog working? How effective was my last print
advertising campaign? All of these things can be, and should be,
measured with Google Analytics.
To give you a helping hand, here are a few tips for making your
Google analytics reports useful to your business.
Filter your IP
If you have a static IP at your business, you probably want to filter
out that IP Address from your reports in order to ensure that when
you or your staff visit your website, or are working on it, you are not
inadvertently inflating your marketing statistics.

28

Autumn 2016

Customise your dashboard
Your Google Analytics dashboard is the first page
you see when you login. Dashboards are simply
collections of widgets that allow you to quickly
visualize your data. It makes sense to customise
these widgets so that you instantly see the
information important to your business.
Filter "bot and spider traffic"
"Bots and Spiders" are automated computer
programs, not people, that are visiting your website.
It could be a search engine looking to list your website,
or a service that you have hired to monitor your websites
uptime. Whatever the reason, they can inflate your visitor traffic and
need to be filtered out.
Measuring Goals - Critical To Your Business
Finding out if your website actually helps your business is MUCH
more important that measuring traffic. Important metrics such as:
Enquiries, Sales, Leads, Account creation, Newsletter signups, EBook
downloads etc. are really what you should be tracking. You can track
every single piece of your marketing (including print and billboard
advertising) and put an Return on Investment on it to make your
Marketing decisions clearer in the future.
Google Analytics can help you make informed decisions about your
business so long as you are measuring the correct metrics. If you have
any questions or need more information call 02 6676 2980.

www.nrbm.com.au

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local government

pollies points

NSW Leading the Way on
Renewable Energy

Employment Increasing In
Northern Rivers

Chris Gulaptis
Member for Clarence

Geoff Provest
Member for Tweed

One question that I am asked as I move around my electorate is
what the Government is doing about renewable energy. The answer
is a lot.
The Liberal & National Government’s NSW Renewable Energy
Action Plan positions NSW as the hub for renewable energy
investment in Australia.
The Nationals believe energy security and diversity must be a
priority for the NSW Government because a reliable, diversified
and affordable energy supply is essential to a strong economy and
modern society.
Australia’s largest solar plant is now open at Nyngan in Western
NSW, with the final solar panel installed in mid-April.
The NSW renewable sector employed 4,900 people directly and
supported an estimated 14,800 jobs in total for 2014 – and that
number is growing.
NSW has the potential to be a regional business hub for renewable
energy in the Asia-Pacific, as currently 35% of all Australian
renewable energy businesses are located in NSW.
Renewable energy is expected to play a crucial role in diversifying
our generation mix.
The share of generation from solar, wind and bioenergy sources
in NSW has more than doubled over the past four years.
Over 320,000 NSW households and small businesses are now
generating power from the sun.

Employment and housing are perhaps the issues of greatest
concern for most residents on the Far North Coast so the news
that almost 17,000 jobs were added in the Richmond-Tweed
region in the last 12 months was very welcome.
The latest ABS data confirmed that regional NSW continues
to be a major jobs creator, with the Richmond-Tweed region
recording a 19.8% rise in the number of jobs.
Government initiatives such as the $6 billion to be made
available through Rebuilding NSW, $92 million to fix regional
Blackspots and $32 million for mining affected regions under
Resources for Regions are encouraging investment in regional
areas
The NSW Government has a proven track-record of
supporting regional NSW, including Richmond-Tweed, and will
continue to encourage growth and prosperity.
NSW has led Australia’s jobs growth, and regional NSW
has led the growth for NSW. Jobs growth in the regions also
demonstrates an increase in business confidence.
It is good to see regional NSW thriving and making a
significant contribution to the overall performance of the NSW
economy.

Fly Grafton direct to Sydney
It’s all about convenience

» FREE parking
» FREE wifi
» QUICK check-in
» No stopover
» Just a short drive
Leave Grafton at 7am be in Sydney by 9am, attend a
meeting or visit a specialist, then catch a flight to be
back home in time for dinner.

www.clarence.nsw.gov.au
30

www.nrbm.com.au

of retailers total advertising budgets are still spent on printed catalogues. So it makes
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31

Making
Things
Happen
At any time, there are countless issues
demanding your attention. They can
distract and slow you down, preventing
you from making things happen.
TNR has a team of over 70 skilled
professionals. We are smart,
down-to-earth people whose passion is
partnering with clients to help them
achieve their business dreams.
We're not simply accountants. We're
financial and business advisers - using our
knowledge and experience to provide
effective business solutions and ensure
your financial success.
For a team that can help you
make things happen, contact us.
02 6621 8544
31 Keen Street, Lismore
www.tnr.com.au

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