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Spring 2015
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MAGAZINE
Summerland
The Future of Banking
Communications
Effective Communications
Technology
Biz Tips
Show Me
the Money!
Real Estate
rt
THURSDAY
FR I DAY
SAT URDAY
SUNDAY
1
1
1
1
1
3
1
3
:
:
:
:
05
30
05
30
JE
JE
JE
JE
T
T
T
T
S
S
S
S
T
T
T
T
AR
AR
AR
AR
Departures
Departs
06
09
1 1
1 1
1 1
:
:
:
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Airline
30
1 0
05
45
55
REX
JET ST AR
JET ST AR
JET ST AR
REX
1 6 : 00
1 6 : 50
V I RG I N
JET ST AR
Destination
SYDNE Y
SYDNE Y
MEL BOURNE
SYDNE Y
NEWCAST L E
SYDNE Y
SYDNE Y
SYDNE Y
1
1
1
1
3
5
3
5
:
:
:
:
1 5
40
1 5
40
Arrives
08
10
1 3
1 3
1 3
14
17
18
:
:
:
:
:
:
:
:
20
35
20
10
15
20
20
15
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 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.
www.ballinabyronairport.com.au
Gateway Airport
Editor's Note
W
Our Experts
elcome to your Spring issue of NRBM; the magazine that brings you
business news from your region.
Its awards season in the region so congratulations to all those businesses
who have been recognised for excellence in their local Chamber Awards and good luck in
the NSW Chamber Business Excellence Awards. Its good to see the range and quality of
our local businesses. If you didnt find time to enter your business this year its something
to 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 the
Future 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 is
definitely 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 and
much 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 Newcastle
Permanent Building Society who will be bringing his expert knowledge to help us navigate
the financial maze. This issue he guides us through the changes to the regulations in
property investment.
We hope this issue motivates you to business growth this Spring.
Until Summer,
Moyra Burke-Smith
Editor NRBM
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
Editor
Moyra Burke-Smith
Design
www.aguawebs.com
info@aguawebs.com
02 6676 2980
Contacts
Editorial Contributions:
editor@nrbm.com.au
Advertising Enquiries/Media Kit:
sales@nrbm.com.au
The paper used to produce this magazine is manufactured by an ISO 14001 environmentally rated mill.
www.nrbm.com.au
Spring 2015
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.
General Surgery
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M: 0408162034
Contents
8
11
24
23
Regulars
14-15
Cover Feature
News 6-7
Future of Banking
Business Matters
Pollies Points
26
Find out the key issues that your local pollie is fighting for you.
14-15
Business Matters
Employment & Training
8-10
Communications
11
Biz Tips
23
Marketing
24
www.nrbm.com.au
Spring 2015
05
06
Spring 2015
www.nrbm.com.au
the round up
Plateau Awards
The 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 & Sports
Club 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 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.
www.nrbm.com.au
Spring 2015
07
the round up
Plateau Awards
The 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 & Sports
Club 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 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.
www.nrbm.com.au
Spring 2015
07
business matters
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business matters
Communication Do You
Understand?
Brendan McKenna, Head Teacher Education, Employment and Support, North Coast TAFE Tweed Valley
and decodes the content. Communication is
f you search effective communication in the
complete or is it?
workplace on the World Wide Web, youre
START
!
As you can see in the diagram, the two
likely to get over 3 million hits. Clearly, its a
images representing the content as understood
much talked about topic, and there are a large
by each person are quite different. This happens
number of tips, hints and solutions available for
practically every single time two people
you to try out.
communicate.
Heres one that youre unlikely to find in that
How do you ensure the two understandings
digital lucky dip:
of the content (= meanings) match and therefore
More time. This is the most ignored but most
communication has actually occurred?
effective solution to poor communication.
Well, ask yourself another question which
Todays workplace is frenetic, no matter
person has the true picture of the original
whether youre in a small business, a large
corporation or anywhere in between. Time is the one workplace asset content? Obviously, Person A. So, clearly, it must be Person A who is
that is arguably the most valuable in communication, yet is the least responsible for checking that Person Bs understanding matches Person
As. Not the other way around.
valued.
And thats where more time needs to be spent - and hardly ever is. The
Ask yourself how much of your time is spent in fixing up mistakes,
double or triple-handling tasks and project activities or dealing with inevitable result is time-consuming mistakes and mishandling.
Try it for yourself next time if youre Person A, who has just
conflict?
The chances are that all of that time could have been saved if you communicated something to someone, ask them this question: What
had invested more time in the beginning to ensure communication had do you think I meant by that?
Then see how long it takes to sort out true understanding.
actually occurred. Not information-transfer. Not telling someone what to
Communication experts call this sharing meaning and it is the single
do. Not hearing an instruction and acting on it. Communication.
most prized outcome you can have between two people or groups of
Welcome to Communication 101.
In the diagram, Person A has content to communicate to Person people. You just have to invest more time in achieving it.
If you want to explore communication solutions for your workplace,
B. Person As brain codes that content into speech, or text, or some
other transfer medium and transfers it to Person B. Person B receives call us at North Coast TAFE to discuss customised approaches.
10
www.nrbm.com.au
business matters
communications
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
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For the Best Advice and Solution for Your Business, Call CVD Today:
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www.nrbm.com.au
11
business matters
Better value
banking,
year after year
After years of taking out awards from Smart Investor magazine, theyve just
handed us the Decade of Excellence Financial Review Smart Investor Blue
Ribbon Award for 2015. And weve got to say this one means the most.
Thats because it shows that we can offer our customers a better way of
banking where profits go back to providing more competitive rates and
lower fees. And it proves what our customers have known for over 110 years
we have some of the best value banking products in the country.
So make the switch today.
13 19 87 newcastlepermanent.com.au/awards
Terms and Conditions apply. Newcastle Permanent Building Society Limited ACN 087 651 992, Australian Financial Service Licence/Australian Credit Licence 238273.
12
NPB3081 HP
www.nrbm.com.au
business matters
www.rochdalehouse.com.au
www.nrbm.com.au
GOLD
PARTNER
02 6620 0300
13
cover feature
14
Spring 2015
cover feature
www.nrbm.com.au
Spring 2015
15
business matters
business efficiency
Investing in Learning
Clayton Oates, QA Business
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 your
industry or profession and commit to attending it within the next
12 months. Plan on taking your spouse and schedule some time out
days before the event if you can, so you land in the conference chair
eager to learn and dedicate some time post event to review what
you have learnt and set goals and devise strategy. However a word
of warning! - You may get hooked on this approach to learning and
your passport will quickly start to fill up.
Another thing I have learnt is that learning is a daily task, so learn
to develop a learning calendar, that reminds you of this and lock in
the major industry events you would love to attend in the coming
12 months (no matter where in the world). Remember that its not
just about business (professional) development, take time out also to
enhance your personal learning too; its amazing what you can learn.
Creating
Time for Moments
That Matter
Business Efficiency
Specialists in Cloud
Based Business Solutions
Accounting, CRM,
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Call us for a complimentary assessment to determine if the cloud is right for your business
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www.nrbm.com.au
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business matters
real estate
www.nrbm.com.au
Another interesting
time aspect I see in real
estate is when you
bring an offer early
on a property the
client says the
commission
should
be
reduced as you
didnt spend
enough time
on it. Yet clients
are happy to pay
when you have
spent what they
consider enough
time on selling their
home. How did time
become related to results and
performance? Is it not the price and
your personal situation that is the factor you consider when you take
an offer on your house?
Time could be a trap for many considering how often we refer to
it as passing us by. If we just let time be a marker or a point in which
to mark an event, not be our controlling force, then our choices
may be vey different, and quite possibly our lives more enjoyable
and simple.
21
www.repco.com.au
6621 2770
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www.summerlandcatalogue.com.au
over
50
years
Sin
st
Jason-D.com
he North
gt
C oa
Servin
We Can Deliver
ce 1 9 59
your local
printer
www.nrbm.com.au
business matters
biz tips
ack of money, profit and cash flow sucks; its stressful, frustrating and
sometimes embarrassing. Particularly if you are working long hours
with 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 things
and this is rarely the right answer. Firstly you need to understand if you
are profitable and secondly know how well you are doing at turning
profits into cash.
We Need to be More Profitable
Profit is just the difference between revenue and costs. So all we have
to 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 - that
are 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 making
money when you make a sale? (decent margins) and/or Are your
Hire Superstars
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business matters
marketing
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24
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local government
pollies points
Chris Gulaptis
Member for Clarence
Geoff Provest
Member for Tweed
For Business
or Pleasure
FLY
DIRECT
TO
SYDNEY
www.clarence.nsw.gov.au
26
www.nrbm.com.au
Introducing
BYRON BAY
BUSINESS PARK
Open land
Loading dock