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FESTIVE EDITION

Projecting confidence through your body language How to review your SMSF Investment Strategy

How the Cosmopolitan cocktail made its comeback How to make money from your passion past-time Hepburn | 1

About 10Ellen 10 Ellen Media is a privately owned, vibrant and youthful company that includes a portfolio of print and digital content. Based in Ipswich, Queensland, 10 Ellen Media reaches to national and international readers of all life stages. Our work reflects our values of living in total harmony with ourselves and those around us while indulging in pleasures every now and then. We inspire our readers to seize the little moments of joy while working, cooking, traveling, creating, and just being. Our creative teams collaborate with the readers and industry professionals to share their stories, creations, and beautiful ways of living and learning. The readers enjoy access to our work in their preferred channel that include print and digital articles, podcasts, social media groups, and video content. We welcome the experiences of our readers to create a community of like-minded people who share common interests and goals. Our portfolio includes print and digital content inspired by the simple pleasures of life, wellbeing, travel, food, creativity, and community-building.

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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.

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NEXT ISSUE 14 January 2021

Letter from the Editor Hello and welcome to the Festive Season issue of Hepburn. As this year closes, we join you in a new found excitement and celebrate the possibilities for Christmas and the Festive Season. Now that the State borders are again open, many of you will be travelling to see family or simply explore and enjoy the time away from home. We have had an amazing response to our launch and our new approach to a women’s magazine. We will continue our journey, as we celebrate amazing women who have achieved in their business, professional or public life and to inspire women who are starting their journey or moving on a new path. Our journey to deliver a multimedia magazine for our readers continues. This month, Hepburn’s Amazing Australian Women, Jennifer Jarrard, Director of Corporate Member Operations at World Commerce and Contracting, and creative and thinking trainer Jennifer Jarrard enlightened us with her discussion on thinking. Our Aspiring Australian Woman, Peta Warby, founder of health supplement business, Saname, explains the role of collagen and reveals her plans to grow the p360 hydrolysed collagen. This issue will delight readers with scintillating articles falling within the ambits of Ambition, Nouvelle Cuisine, Abundance, Appetence, Amour Propre, Leisure and Passion. Our In Conversation with Amazing Australian Women series is a conversation with women who have achieved in their business, professional or public life and are happy to share their story and knowledge with others.

Hepburn readers will also be able to find our In Conversation series and a few other articles on our podcasts. In this issue, influenced by our interview, we explore paradigms of thinking: The Power of Parallel Thinking, Wearing the Hats to Purchase Property, Finding Your Soulmate with Possibility Thinking and How to Make Money from Your Passion Past-Time. Our Nouvelle Cuisine section will tempt you with a festive mocktail, cocktail and canapes. As will our Leisure section, in which we cover Tall Ship cruises and showcase some of Australia’s best resorts. Like any journey, Hepburn is not a solo expedition. It is achieved only through the efforts of an amazing team and our contributors. I personally want to thank each member for their contribution to make this issue even better than the first. Thank you to the team: Sushmita Sharma, Kristina Mazalova, Siobhan Vale, and Thomas Hall. Thank you to our passionate Hepburn Women, Jennifer Jarrard and Peta Warby. Thank you to our contributors Bill Jarrard and Andrew Johnson. And thank you to our puzzle auditors, Chloe Hicks, Xander Thorn, Zara Miller and Bronita Dunn. I wish you all a very merry Christmas and look forward to delighting you in the New Year.

Jacqueline Hodges

Our In Conversation with Aspiring Australian Women is a monthly series of interviews with women who are ready to start their business or career journey and discuss their aspirations and how they may reach their goal. You will find us on the Hepburn Magazine Channel. Look for our distinctive logo.

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Contents

Featured Women 8 Gone but not forgotten Elizabeth Kenny

36 In Conversation with Amazing Australian Women Jennifer Jarrard

37 In Conversation with Aspiring Australian Women Peta Warby

54 Inspiring International Women Dr Fiona Woods

see pag e6 for det 8 ails

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SUBSC

RIBE C S

SCRIB B SU

Amour Propre

Ambition

11 Three trends to follow this Christimas

40 How to make money from your passion past-time

13 Projecting confidence through your body language

44 Making the next move

Appetence

Passion

17 Find your soulmate with possibility thinking

50 Overcoming Christmas stress

Abundance

Nouvelle Cuisine

20 9 ways to avoid the Christmas Budget Blowout

57 Cocktails

23 The power of Parallel Thinking

64 How the Cosmopolitan cocktail made its comeback

26 Wearing a few hats when buying property 30 How to review your SMSF Investment Strategy

62 Canapes

67 Rendezvous

Leisure 72 Relaxing resort retreat or eco-friendly escape 76 Tall Ships & Romance 82 Games

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Wearing a Few Hats when buying property By Andrew Johnson

Everyone has a unique personal perspective when looking at Real Estate and there are many ways we make our decisions, such as relying upon our experience, reaching out to our trusted networks, family, friends, surfing the web and physically researching the market. Wearing a few hats and utilizing “Six Hat Thinking” developed by Edward de Bono is also a useful brainstorming technique to approach real estate from various angles, and the hats are White, Yellow, Black, Red, Green & Blue. You may be surprised but many of these techniques you are probably using subconsciously and putting into practise, and if by sign posting this technique, we can travel the Real Estate journey more efficiently and if it helps you it’s a very good thing. Personally, I run an internal dialogue when practicing the Six Hats technique and also take some notes or a recording as I wish to capture all my impressions, thoughts, questions and reactions, so I do not lose anything for later review when comparing various properties. We are using the White Hat when we are gathering all our information, researching the market, properties of interest, locations and organizing it all to suit our unique perspective and preferences. We are organizing it all and presenting the current information in a way that prioritizes its importance for our decision making.

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I find it useful to think like to be a Boy Scout here, “Be Prepared”, so writing a brief of all the important items, information required, wish list items, feelings sought about the property, must haves, maybes and the properties potential for the future to meet your needs. In wearing the Yellow Hat, we are showing enthusiasm & optimism about buying the home or investment property. Like putting Pros & Cons on a sheet of paper I put a column for Enthusiastic and one for Optimistic, putting down all my reactions and thoughts, like a mini brainstorming session. Each of us will have a way that works best for us when using the various hats and at times I will write everything down in the car after my inspection. The Black Hat is the opposite of the Yellow Hat, where we are judgemental and looking at where everything could go wrong. This is very useful to balance our enthusiasm and optimism about the home or investment so we can take away the rose-coloured glasses and shine a harsh light on the property and the decision. With the Black Hat, at times I can look at capital growth, loan repayments, design, running costs, construction, renovations or additions required, location and developments planned in the area.

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The benefit of the Black Hat for me is that it allows me to express all my negative energy about the home or investment and at the end of the day I then compare it to all the positives to make a decision. The Red Hat’s primary goal is to intuitively suggest proposals and plans of action based on our feelings and hunches, this hat is open minded & non-judgemental. The Red Hat for me when looking at the new home or investment could be as simple as deciding to put an offer in with any special conditions. When wearing the Red Hat deciding on the financing, lawyer, conveyancer or who I wish to carry out the building and pest inspections. Putting down my plans & suggested proposals in a clear and concise manner helps to short list the properties and assist in my thinking which could change in the future. Personally, I lean towards the Green Hat as I am very comfortable using creative thinking, free from judgement and criticism There is a sense of freedom when you let loose your thoughts to consider a property, new home or investment, take the time to think and reflect upon everything you have learned and the solution. At times, it may come back to that property that resonated with you from the moment you walked through the front door, together with everything else you researched, confirmed and planned.

The Blue Hat is all about the management role and helps you analyse the situation, making sure that other hats are being used correctly. In my view it is good housekeeping to double check that everything has been done correctly and nothing has been missed. Whatever approach resonates with you, feels right, answers all your concerns, questions, issues, plus meets your wish list, needs and requirements but does not put pressure on you to make a decision is always a wise choice. Remember there will always be another home or investment to consider and its very important to be comfortable with your decision, take the time your need and when reflecting upon your decision in the future you want to feel that it was the right one for you.

Andrew is a licensed estate agent based in Victoria who has enjoyed a long business career in Australia and overseas providing solutions and building a referral business. www.maxjre.com

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Andrew is a licensed estate agent, businessman & entrepreneur based in Brown Hill who has enjoyed a long and varied business career in Australia and overseas providing solutions and building a strong referral business.

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

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How to Review Your SMSF Investment Strategy By Jacqueline Hodges

Whether you are investing for short-term growth or preparing for the longer-term, you should make time to regularly review your investment strategy. Your investment strategy helps you in making investment decisions based on your goals, risk tolerance, and future needs. The investment strategy may focus on capital growth and rapid growth, or it may follow a low-risk strategy with a focus on wealth protection. In this article I focus on an Investment Strategy for SMSF Trustees.

Australian Superannuation law states your strategy must consider the following specific factors in regard to the whole circumstances of your fund: The risks involved in making, holding and realising, and the likely return from your fund’s investments regarding its objectives and cash flow requirements; composition of your fund’s investments including the extent to which they are diverse and the risks of inadequate diversification; liquidity of the fund’s assets; fund’s ability to pay benefits and other costs it incurs; and whether to hold insurance cover for each member of your SMSF.

This is a fairly heavy set of factors to comprehend. So, let’s try breaking them up into something a little less complex.

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The risks involved, likely return, objectives and cash flow requirements Generally your financial adviser will provide you with a client survey with a series of questions to help you determine your risk profile. Your risk profile is influenced by a number of factors such as your tolerance for volatility, your need for capital guarantee, your need for liquidity and your investment horizon. Your investment horizon refers to, the timeframe of your investment, that is how long you expect to hold an investment. A short-term investment horizon is best for those approaching or in retirement. Typically, a shortterm investment horizon doesn’t exceed a period of three years. A medium-term investment horizon is best for less risk-averse investors, somewhere in the middle between low and high risk, who do not need cash reserves for retirement or a large purchase. Typically, a medium-term investment horizon is for a period of three to ten years. A long-term investment horizon is generally suited to investors willing to take higher risks for higher rewards and who have the time to wait for the payoff or to recoup any losses. Typically, a long-term investment horizon is for a period exceeding ten years. The likely return refers to the income received or the capital gain from an asset. Income received might include, interest from a bank savings account or rent from an investment property. Capital gains are realised on disposal of an asset, and are the difference between the sale proceeds and the purchase costs. Your Investment Objectives will typically have three underlying characteristics being:

Security All investments carry some risk and none are completely safe and secure. While, cash may be considered safe, it comes with the opportunity risk. That is the lost opportunity to investment in something else.

Income Investors whose priority is focused on income returns, typically seek fixed-income assets and the guarantee of a steady income return. Generally, this will be a priority for retirees.

Growth Capital growth may occur during the holding of the investment and is generally an asset that holds higher risk than a fixed-income asset. The capital growth is only realised on sale of the investment. It's important to have a clear, precise investment objective. Your Cash Flow Requirements will vary depending on your stage of life and the liabilities of the fund. For example, a fund member who is in retirement will require cash to meet pension payments. Similarly, a fund that has borrowing to purchase real property, will require free cash to make loan repayments. A fund may also require cash to pay ongoing administration costs, such as accounting fees, audit fees, income tax.

Diversification As an SMSF Trustee you may choose to invest in one asset or asset class or hold a number of different assets or asset classes. Investing in a variety of assets is called a diversified portfolio. Investment risks can be minimised if you invest in a variety of assets. Investment risks that may be minimised include: Return; Volatility; and Liquidity. Whether you have a diversified investment strategy or not, your investment strategy should document that you considered the risks associated with the investments and if necessary the lack of diversification. Super laws also require you as the SMSF trustee to invest in accordance with the best interest of all members.

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Insurance Needs Your investment strategy must consider whether to hold insurance cover for each member of your SMSF. Your SMSF can generally provide insurance for a member for an event that is consistent with one of these conditions of release of the member's super:

Death terminal medical condition; permanent incapacity; and temporary incapacity. Trauma insurance typically pays a lump sum if the insured person is diagnosed with a critical illness or injury as specified in the policy, such as cancer, stroke, coronary bypass or heart attack. While a SMSF can hold trauma insurance, there may be difficulty in accessing the funds, preretirement. We recommend you speak with your financial adviser or review your insurance needs at least annually.

Give Effect to the Investment Strategy SMSF Trustees must formulate and regularly review their fund’s investment strategy. You must also give effect to an investment strategy that has regard to the whole of the fund’s circumstances. This simply means ensuring your fund’s investments are in accordance with the investment strategy.

When to review the Investment Strategy The investment strategy should be reviewed regularly to ensure it continues to meet the current and future needs of the members. Certain significant events should also prompt you to review your strategy, such as: a market correction; when a new member joins the fund; and when a member commences receiving a pension. The ATO recommends that the investment strategy is reviewed at least annually and that the document that you have undertaken this review and any decisions made arising from the review. This could be done in the annual trustee meeting minutes.

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SMSF Auditor’s review When conducting the annual audit, the SMSF auditor will check whether the fund has met the investment strategy requirements under the super laws for the relevant financial year. The SMSF auditor will check that: the SMSF had an investment strategy in place for the relevant financial year; the fund’s investments were in accordance with that strategy; and the investment strategy had been reviewed during the relevant financial year. Your SMSF Investment Strategy should be a formal document that is full executed, that is signed and dated.

Who can help prepare the Investment Strategy? If you require assistance with the preparation of an investment strategy, you should consider seeking advice from your licensed financial adviser.

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. 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.

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In Conversation Hepburn Series

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How the Cosmopolitan Cocktail Made Its Comeback By Mel How

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emember Sex and the City? It was the show that taught us everything we needed to know about designer clothes, dating, friendship and, of course, cocktails. And while it was the show that turned Sarah Jessica Parker into a fashion icon, don’t forget that other icon – the Cosmopolitan. Sips on a Cosmo between sex talk and shoe stories became the done thing. We cried and laughed and cringed through six glorious seasons, tasting every sip of every cocktail vicariously through the Fab Four. It was the cocktail they turned to on birthdays and in moments of regret, “Another Cosmopolitan, please!” As pretty and sophisticated as the characters it was inextricably linked to, the Cosmo became a symbol of success, independence and female comradery. Uninhibited women in their thirties, gallivanting around New York, doing as they please and drinking pink cocktails from glassware on stems as thin and long as their heels. It was glorious. Like so many great things to come out of the 80’s, the Cosmopolitan stepped out of the fluoro-soaked decade with style. The blend of vodka, Cointreau, cranberry juice and lime was invented by New York bartender Toby Cecchini, and quickly became the most popular cocktail in London and New York after drawing the attention of bartenders everywhere. The 90’s was a blur of Cosmos, right up until bartenders grew sick of them and people stopped ordering them for fear of having to apologise. It’s a strange thing when zeitgeisty turns to hated. The list of cringeworthy things to come out of the 20th Century is endless (think men’s fashion in the 70’s and Demi Moore in Striptease, for God’s sake!), but the Cosmo? What were those bartenders thinking, hating on something so pink and fabulous? The mind boggles. As a cocktail that became wrapped up in the identity of striving career woman, it was inevitable that something would reinvigorate its image.

That something would of course be Madonna, photographed at a Sony Grammy Awards afterparty sipping on a Cosmo at the World-famous Rainbow Room in Manhattan. The only thing bartenders could do to avoid making them was literally refuse, and they did. Like everything trendy, the Cosmopolitan became passé eventually and drifted into oblivion. Now, twenty years on, it’s making a triumphant comeback to rival the scrunchie. What was cast aside as a girly drink for two decades is now back in pop culture. Bartenders are no longer knocking them, and celebrities like Jennifer Lopez have been spotted imbibing. It shouldn’t be that surprising that the Cosmo is back. We’re in the depths of a cocktail renaissance and bartenders have been re-introducing all the lost and forgotten classics. They know that all they need is a pop star, celeb or supermodel to be seen sipping and fans scramble to get their lips around one. Instant notoriety. If you’re ready to try a Cosmo and want to know how one tastes, it's the perfect blend of sweet, tart and sour. Perfectly refreshing, especially when served ice cold in a chilled martini glass, making it a superb alternative to a Rosé on a summer day. See, it’s not just a fashion accessory after all. With Cosmos cool again, we’ll be seeing more trendy drink brands landing in local bottlo’s and online. Non-alcoholic cocktail bases are popping up, making it simple to just add alcohol and shakeup a Cosmo. For those that can’t be bothered with the fuss of measuring and shaking, keep your eye out for ready to drink, bottled Cosmos you simply chill and serve. Either way, Cosmos are set to be all the rage this summer as Aussies find ways to add some glamour to their home imbibing. It may be impossible to popularise the Cosmo as much as they did in the ‘80s, 90’s or early naughties, but the second coming of the Cosmo is set whether those pesky bartenders like it or not. It’s time to channel your inner Carrie Bradshaw and prepare yourself for a nostalgic reunion. The Cosmo is back in vogue.

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the cocktail shop ad

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Rendezvous This year, the hospitality industry has suffered tremendously. We want to support our local restaurants, cafes and coffee bars and let them know how much we love seeing their cheery smiles. Each issue, we will feature one of our readers’ local café, restaurant or coffee bar. We invite you to tell us five things you like about your favourite place. You can let us know on our website, send us an email, or visit our Facebook group. We will select the best reader’s choice. The best letter will get a lunch for you and a friend on us.

St Shoebill’s is a really interesting name. Sam loves animals and wildlife in general. Sam told us, they had known about the Shoebill for a while and chose this bird to represent the business as it is a strong, tall and powerful bird that seems to know the direction it is going in. To Sam the shoebill makes a statement. They want the café to be strong and powerful, to succeed and grow. Sam describes himself and his wife as highly driven and competitive. Their focus for the restaurant is on quality. The dream is not there yet, but they are going to work hard to get there.

This issue we feature one of our favourite restaurants and our next door neighbour, St Shoebill’s in Ipswich. St Shoebill’s is a new restaurant in town and is already attracting the local crowd with their charm and distinctive menu.

St Shoebill’s Located in Ipswich’s Top of the Town dining precinct and housed in one of the city’s heritage buildings, St Shoebill’s is a welcome surprise. The front entrance is inviting, and the interior is friendly and open with an industrial edge. St Shoebill’s owners, Sam Ladson and his wife Kim, are not new to the hospitality industry, having owned another café at Palm Beach on the Gold Coast. Sam has had a few business iterations; he is a builder by trade and particularly like the double brick interior and said it was the building that allowed him to picture and imagine the possibilities. He loves to travel and gain inspiration from the architecture in Europe and Asia. He sees architecture and design as a creative source of inspiration from which he can develop ideas to implement here.

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Our Portfolio

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Merry Christmas and Happy New Year from

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