FESTIVE EDITION
ISSN: 2653-0317
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Finding Balance as we end the Year Pay it Forward or Pay it Back
Escape to Port Douglas Exploring Indoor Parkour
Christmas Party What to wear 10 Ways to Save
this Christmas
Merry Christmas ISSN: 2653-0317
2021 Issue 6
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IS THIS YOU? Drag yourself to work Irritable and impatient Lack motivation & energy Drink to relieve stress Eat on the run
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About Hepburn When life gives us lemons, Hepburn is the cocktail. It is a Swiss chocolate in times of stress, a glass of wine after a long day, and a pedicure date with a best friend. Hepburn is a fresh approach to a women’s magazine. We celebrate strong, fearless, and ambitious women who are born to lead with power and dignity.
10 ELLEN MEDIA Hepburn Magazine is published by 10 Ellen Media {ABN: 22 110 673 604} Articles express the opinions of the authors and not necessarily those of Hepburn or 10Ellen Media. The Hepburn privacy policy is located at https://hepburnmag.co/privacy-policy/ 10 Ellen Media’s privacy notice can be read at: https://10ellenmedia.com/privacypolicy/ 6 | Hepburn
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NEXT ISSUE January 2022
Letter from the Editor “It’s the most wonderful time of the year.” I simply love Christmas, the hustle, the bustle, buying presents, putting up the Christmas tree, hanging the ornaments, and thinking how the year has flown past. I always feel so excited at this time of year. Even if you don’t celebrate Christmas, it is a wonderful time to have a break, to rest, by merry, enjoy the company of friends and family, and to just simply enjoy being. It is a time to relax. We have had a spectacular year, celebrated our 12 month anniversary, met wonderfully amazing women, heard and brought you their amazing and inspiring stories. We welcomed stories from our new journalists, and have re-commenced our Hepburn in Conversation channels, which you will be delighted to watch and hear in the New Year. So as now as we head into this joyous season, I welcome you to read the Festive Issue of Hepburn. In this issue, influenced by the the festive season, we explore the Trends for the Office Parties, the difference between Favour and Kindness, 10 Ways to Save Money this Christmas, and 2022 Start with a Strategy. We have our regular Business Book Review section featuring the Mothre of All Opportunities by McCarter, KatrinaKatrina McCarter. Our Nouvelle Cuisine section will tempt you with truly festive inspired mocktail and cocktail and canapes. We also invite you to Tour Port Douglas and inspire you to go regional next year and attend some more unusual national events held in each State.
We also feature women who have inspired us in many ways and hope they will inspire you too! One cameo women featuring in this issue is the influential Dr Jeanette Young and we congratulate her inauguration as Queensland’s new Governor General. We reflect on the life of Princess Diana in our cameo Gone but not Forgotten section. She continues to capture the imaginations of all. The amazing Grace Tame recipient of the Australian of the Year, and Ruby Schmidt an aspiring film director cameo stories will inspire you to stand tall, trust in yourself, and do the things that you dream of achieving. We will be sharing these stories on our YouTube and podcast channels shortly. Like any journey, Hepburn is not a solo adventure. It is only achieved through the efforts of an amazing team and our contributors. I personally wish to thank each member for their contribution to make each issue better than the last. And send a final special thank you to our puzzle auditors, Chloe Hicks, Xander Thorn, Zara Miller and Bronita Dunn. So as we look forward to Christmas, I encourage you to relax, enjoy and take this time revitalise. Merry Christmas to you!
Jacqueline Hodges
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Featured Women
Contents
12 Influencial Women In Leadership Dr Jeanette Young
Appetence
Passion
6 Kindness or Favour?
65 What’s In What’s Out
20 Christmas the Giving Season
69 Exploring Indoor Parkour
Abundance
Nouvelle Cuisine 85 Mocktail & Cocktail
24 10 Tips to Save this Season 30 Selling Your Business
87 Infused Cranberry Vodka
Ambition
Leisure
44 2022 - Start with a Strategy
97 Coming up in Art
52 Business Book Review
99 Visting Port Douglas
62 What’s In, What’s Out
103 State of Play
Ruby Schmidt
88 Canapes for Christmas
113 Brain Challenges
Amour Propre
45 Aspiring Australian Women
36 Amazing Australian Women Grace Tame
56 Trends for Christmas 60 Reigniting the Office Party
67 Gone but not forgotten Princess Diana 8 | Hepburn
Abundance
Ambition
52. Prepare Your Business Strategy for 2022
Passion
Appetence
65. What’s In What’s Out
18. Are you being kind?
Amour Propre
38 Ten Ways to Save this Christmas
Leisure
17. Trends for the Christmas
102. Explore Port Douglas
Nouvelle Cuisine
85. Festive Season Cocktails & Canapes Hepburn | 9
Christmas is the Season for Giving We
often become so wrapped up in our own needs as Christmas, rushing to prepare for Christmas parties, visiting family and friends, and making travel plans that we forget to make time for those in need. Allowing time for yourself is important but making time for charitable giving is too! Not only will your giving bring joy and delight into someone else’s day but you will receive a little blessing yourself and be rewarded with a sense of pleasure and fulfilment.
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So, stop the Bah Humbugs, throw out those Ebenezar Scrooge ways, afterall even Charles Dickens believed Christmas was a good time; a kind, forgiving, charitable, pleasant time. Here’s a few ideas to start you giving this Christmas.
1. Donate Blood
Hospitals are always needing blood and what a noble gesture to gift your blood to help someone through an operation or survive a horrific accident.
2. Adopt a Resident
The elderly have wisdom, insight, and tales to share. You can share some treasured memories visiting an old age home where you can read to the residents.
3. Serve A Meal
Charitable organisations like the Salvation Army always need a hand at Christmas to help prepare a Christmas feast for the homeless and the needy.
4. It’s in the Bag
Grad a handbag and fill it with practical things like shampoo, sanitary items, toothbrushes and deodorant and a few luxury item’s too, like a book or a scarf and drop it off at a Share the Dignity’s ‘It’s in the Bag’ Christmas collection point.
5. Animals need love too!
Don’t forget animal shelters and refuges need assistance too! Volunteer you time, gift some food, an old blanket, or even adopt a new best friend.
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Abundance 1. The state or condition of having a copious quantity of something; plentifulness 2. Plentifulness of the good things of life; prosperity Hepburn | 23
Your Money, Your Wealth, Your Estate Jacqueline Hodges
10 ways to save money this Christmas Christmas is only a few short weeks away and many of us are still to make our Christmas purchases. While you’re decking the halls with boughs of gum leaves this Christmas, it’s time to tighten the buckle on Christmas overspend. So, rein in your Christmas spending, trim your Christmas list, and don your Christmas savings plan. Here’s our 10 ways to tsave money this Christmas.
1. Secret Santa Gifts As our families grow and friendships circles extend that cost of Christmas gifts begins to surge. Rather than buying a gift for everyone, try Secret Santa instead. Set a fixed limit. You might decide that everyone has to buy a gift for $100.00. So, if you are currently spending $20.00 on 20 gifts, you are currently spending $400.00. Setting a limit of $100 will see you saving $300.00 already.
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2. Baking & Making
5. Loving the List
When you take into account your time spent baking or making you really aren’t saving anything, but you won’t be spending the cash. A good batch of homemade biscuits might cost you from $30 to $100 depending on how many are in the batch.
Make a list for everything, the people you need to buy a gift for, the presents you are going to buy, and the groceries you are going to need. When you make a list, you know exactly what you are purchasing and won’t overspend on unnecessary items.
With $50.00 of ingredients you could make several batches of homemade biscuits for your loved ones. So get cracking, don your apron and set the oven tonight!
Not only will remember to buy everything you need and everything you must, you’ll save by not overspending. So, Mrs Santa, its time to make a list and check it twice!
3. Declutter for Cash
6. Order Online
Clear out those cupboards and stop that hoarding. I know I’m guilty of wishful thinking and keeping clothes that I no longer fit. But by the time that happens, those clothes could have been worn by someone else while they are still fashionable.
Buying online can save a lot of time particularly that time spent looking for a parking spot. Online shopping allows to you compare prices and alternatives with ease. Best of all, you won’t be tempted by the marketing upsell to purchase unnecessary items.
Don’t stop are clothing, its time to list anything you haven’t used in the last six months. And by listing we mean find a buy/sell Facebook group to sell your wares!
If you love the shopping experience, and all it’s dazzle this may a way to curb your spending habits. But remember the Christmas cut-off times for parcel delivery!
4. Just make more Money
7. Collab Christmas
We’re not suggesting you start forging cash! But why sit around thinking of ways to save more money when you could be making more money. It might be a little too late to find that second income as a Christmas casual but it’s that party and celebratory time of the year and many good folk are out and about.
We all love a good feast and Christmas is one time of year when families reunite, and the feast with all the trimmings comes to the fore. While many will take pride and joy in preparing the feast themselves, it’s not that uncommon in Australia for families to share the cooking and bring a plate for the Christmas feast.
If you own a car or even a bike, you could be earning as a Shebah driver! Shebah rewards you with a guaranteed 85% of each ride fee. Its a positive cash flow way to share your ride.
If you are the Christmas controller, its time to change your grinchy ways and let everyone have some fun. So embrace the potluck and bring a plate!
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8. Reduce, Recycle, Reuse We all associate green with Christmas and with sustainability, so why not merge the two and learn from our grandparents and great grandparents how they recycled and reused everything from Christmas cards, and wrapping paper to cardboard boxes. Christmas decorations and ornaments and paper chains are a beautiful way to decorate your home and tree. And keep your children occupied for a few hours!
9. Reward Yourself Now that you have saved a pretty penny or two you should have a bonus in your wallet! Make sure you reward yourself for following such good savings ideas. You might give yourself something you’ve desired all year or add it to your savings account. Remember the best way to make savings a habit is to find the way to reward yourself. Afterall you’re not the Christmas Grinch so why be mean to yourself!
10. Socially Conscious Christmas is a time for giving and we so often at this time of year become aware of the needs of others who are less fortunate. Charities rely on the donations from the community, so start a Christmas giving plan, one that you can keep year after year. You’ll also be saving if your Charity is registered with the ATO to accept donations. Not only will you be helping someone else, but you will also receive a tax deduction!
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11. Bonus Tip Start a Christmas savings account in the New Year and save a regular amount each from each pay, so that come the end of year, you will have a healthy bank account and by able to easily afford those gifts and treats and a little luxury for yourself. Creating a regular savings plan will help you reach your financial goals, whatever they may be!
Speak with Your Financial Adviser Now these strategies are not for everyone, you might just want your home to remain that, your home for life and that is quite alright. But after reading this article you will have a little more understanding about your option. And if you are thinking for selling or even preparing for your future, please seek professional advice from your tax adviser and your financial adviser.
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“The best time to start was yesterday. The next best time is now.”
– Unknown
Jacqueline Hodges is a Chartered Accountant, Registered Tax Agent and SMSF Auditor. She is a Financial Adviser and an authorised representative of Wealth Today. She has a wealth of experience having worked in the financial services sector for most of her career. Jacqueline is a firm believer in continuing education and holds a Bachelor of Commerce (UQ), a Master of Taxation (UM), and a Financial Planning Certificate. She established her own accounting firm servicing individuals and small businesses in 2005 and complemented the business in 2015 with the opening of the financial advice division.
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Disclaimer: The information contained in this article is general in nature and may not be relevant to your personal circumstance and needs. Taxation, legal and other matters referred to in this article are of a general nature only and are based on laws existing at the time and should not be relied upon in place of appropriate professional advice. We recommend that you assess whether the information is appropriate to your needs and if appropriate speak with a financial adviser to discuss your needs, financial situation and investment objectives. HQ Wealth Pty Ltd as trustee for HQ Wealth (CAR 1238791) and Jacqueline Hodges (AR 1238790) are Authorised Representatives of Wealth Today Pty Ltd (ABN 62 133 393 263), AFSL 340289. Hepburn | 29 Hepburn | 29
Conversations with Andrew Andrew Johnson
Preparing your business for sale It’s exciting, challenging and time consuming to buy a business and run it yourself. Beyond immersing yourself, in the starting and running of your business it’s just as important to plan for the future. Your exit from the business in the future, and preparing your business for sale is an important section of your ongoing business plan and strategy. We never know what the future may bring, but we can prepare and consider our options beforehand providing a framework and safety net to protect our interests in the future and best position your business for life’s eventualities. No one wants to be in a position in the future when a fire sale is required or the selling price for your business is not the strongest it could be. For those that start a business and enjoy the adventure at some time in the future there comes a time when it needs to be sold.
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Planning and taking the time to prepare for this future event is not only wise, but will provide the best chance for you to realise the best return and sales price for your going concern, no matter when that may be. So many business owners may rush into a sale and do not take the time to position themselves for best results, which at a minimum is 12 months beforehand. Being so involved in the business, dealing with the daily running, challenges, obstacles it’s like being too close to the trees to see the forest. So, look at all the requirements needed to sell your business in the future and research all the angles to best position the business for a strong result.
Section 52 Disclosure Statement A Section 52 which is a disclosure statement that the owner of a small business must provide to a prospective purchaser, and this statement follows the legal requirements set out in Section 52 of the Estate Agents Act 1980 for Victoria. Check your own State in Australia to confirm the local requirements and reach out to a professional and expert for assistance. This statement is required for the sale of a small business in Victoria at a price of up to $450,000. It is usually completed by the seller and their accountant using the form prescribed under the Estate Agents (General, Accounts and Audit) Regulations 2018. The statement is part of the buyer’s due diligence and sets out the financial performance of the business over the last two years. The statement must also provide the financial performance for the current financial year up to the most recent quarter. Beware: If you don’t provide the statement to the buyer, the contract can be voided.
When to Start Many people have a love hate relationship with Tax and the ATO, but when selling your business telling a buyer you make extra income through cash is not something they can generally verify. Engaging an expert and professional accountant for your business and making sure all your income is demonstrated in your tax returns is really beneficial. At least two years before you intend to sell is an ideal planning window in my view, but consider your own thinking on the matter and get professional advice. When you are ready to sell your business, put together an itemised list of everything included in the sale, write in your own words the story of the business and how a new buyer can be successful as you have been. Think about the advice would you offer them with respect to scalability, your customers, suppliers list and how the business has been run.
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Prepare, Position, Organize Prepare, position and organise everything for a successful sale does not happen overnight, make it easier for a buyer to engage with your story and get excited about owning a business that helps them avoid failure and provides a roadmap for the future. Selling your business should provide you with the best return possible for all the hard work and effort you have put into it, and it is in your hands to prepare and position your business for a successful sale for your future.
Andrew is a licensed real estate agent based in Victoria who has enjoyed a long business career in Australia and overseas providing solutions and building a referral business.
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Speak to us if you are: Buying or Selling Property Buying or Selling Your Business MAXJRE is all about personalised service, community and helping guide our customers to a solution that builds trust, long term relationships and generates referrals for sustainable growth.
Mobile 0473 207 988 Email andrew@maxjre.com LinkedIn http://linkedin.com/in/andrew-johnson-8435092 Company Maxwell Johnson Real Estate Pty Ltd Address 9 Gracefield Road, Brown Hill, VIC 3350 www.maxjre.com
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