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Established on 12 September, 1925, the Wyong Regional Chamber of Commerce is a member based not-for-profit organisation overseen by members, for our members.

With Thanks to Our Wonderful Sponsors




A note from your Executive In a matter of days, those members attending our AGM will join with us to welcome some fresh faces to our Executive Committee and look to the future of our Chamber. This is perhaps one of the most important dates in the Chamber’s calendar and we ask that you join us at 5.30 on 27th August at Wyong Race Club as we launch a new and exciting year. Bookings for the Post AGM dinner close, 5pm Monday 19 August



The Me and the We of Teams

- Lincoln Amidy

SHOUT OUT! 10 Stronger Than My Excuses: Procrastination - Julie Watson 12 Moving Forward After a Loss - Adrienne Garside

UPFRONT 3 President’s Pen 5 From the Editor


14 Creating Content

When You’re Uninspired - Lee McCaffrey

16 Can I DIY My Trademark Application?

- Georgia Thomas

18 Self-Managed Super Funds Should You Get One? - Caitlin Bowman

CHAMBER CHAT 22 Chamber Resources 23 Calendar of Events 26 Chamber Directory Link


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Editor & Creative Director Lee McCaffrey

Content Supervisor Georgia Thomas

Advertising Katrina Woolcott

ŠWyong Regional Chamber of Commerce, 2019 Northern Voice is an initiative of the Wyong Regional Chamber of Commerce, however the opinions expressed by Northern Voice contributors are their own. This publication can be shared across networks in its entirety, and printed for the personal use of readers. It cannot be repurposed in full or in part for commercial gain. Permission for all other uses must be obtained in writing from the editor of Northern Voice. Northern Voice contributors retain ownership of their articles and unauthorised use of their content will breach their intellectual property rights.

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the me and the we of teams BE AWARE OF THE ME. FLOURISH WITHIN THE WE BY LINCOLN AMIDY The challenge is being yourself, making your own decisions and yet being asked to work in a TEAM environment. Why should I? Why would I? How will it help ME. We are very selfish humans and understandably look after ourselves first and foremost. The quick answer to all of this is that we all make our own choices and where we find ourselves is where we have chosen to be. So, make the most of it and THRIVE rather than just SURVIVE The irony is then making the most of the situation and being a ME amongst the WE. What can we do to ensure that we develop ourselves and assist the team? Get out of my Comfort Zone. Don’t get stuck in doing the same thing day in day out. Be innovative, seek support to improve, challenge yourself and others, see change as an opportunity, stretch but don’t snap, bring new 6 | Northern Voice | Issue 7 - August 2019

energy to mundane tasks and above all develop yourself. This will in turn help to develop the TEAM Be Self Aware - How do I? Reflect, investigate, be mindful, check the responses and behaviours of others toward you and ask others- How do I impact this team? How am I experienced by others? All of this sounds easy but often we are not brave enough to ask. We are not able or willing to be VULNERABLE enough to find out. Self-awareness is all about being VULNERABLE and looking at SELF rather than blaming OTHERS. You will only ask if you are brave and if you work in an environment of TRUST TRUST - Why? Teams and relationships are based upon TRUST. It is not a given and must be established, nurtured, encouraged, fostered and at times

“Self-awareness is all about being VULNERABLE and looking at SELF rather than blaming OTHERS”

challenged. Often it is control that stifles the trust. “I will do it because I know how and can do a better job”. Let go and show others how to do it. TRUST them after you show them and then give them a chance to flourish under your guidance. The opposite is to be self-protective, continue to do as you have always done, and you will isolate yourself and not be trusted. CONTROL enables YOU to do the job well but doesn’t help others nor build TRUST. The greatest form of CONTROL is to LET GO. Improve the level of TRUST by embracing the WE. If you are self-aware and you build TRUST in the TEAM you will enjoy the job yourself and also be in a thriving environment. Energy is a Currency in Teams. TEAMS thrive on energy and this builds PERFORMANCE. Are you a sponge or a CONTRIBUTOR. People who only focus on the ME tend to be the sponges. The whingers, whiners, complainers, pessimists, and victims. This is all by choice yet THEY feel they are at the effect of OTHERS. Rubbish. Make your

own choice to THRIVE and bring energy to your TEAM. Don’t be a sponge and end up like all the others. Be the ME that changes the WE. An increase in ENERGY in you will bring about the increase in energy for the WE. The team will be on point, driven by PURPOSE and work together because they see the benefits. My thoughts for the day. Many more inside my brain so let me know if I can help your TEAM be more of the WE and also improve the ME. Lincoln Amidy is a passionate and authentic presenter, facilitator, MC and mentor. He delivers Team and Leadership workshops that motivate and challenge your TEAM and your INDIVIDUALS.

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Sat Nov 16th Chapman Building Grounds 9am - 3pm Industry Presenters Stallholders Entertainment Writers’ Showbags Costume Competition For readers, writers, authors, poets, illustrators, playwriters, students, song writers & anyone who values the written word! Supported by

Save the Date! 8 | Northern Voice | Issue 1 - February 2019

Becoming a member of the Wyong Chamber has so many benefits. The Wyong Regional Chamber opens up a world of opportunity for individuals and businesses alike. Support through networking events, business tools and resources is just the beginning. There is no better time to become a member!

Join the Wyong Regional Chamber today! The Wyong Chamber of Commerce mission is to foster business growth in the local community. Members of the chamber have the opportunity to contribute and participate in a range of business and social activities to improve skills, provide knowledge and strengthen their connection with the local community. | Phone 02 4352 2643 Connecting our business communities... Since 1925.





We all have days when we feel overwhelmed and wonder if we will ever get ahead. Anxiety, depression and other mental health disorders are real issues within our society today, yet so many people are still putting undue pressure on themselves with work and family commitments. Procrastinating, while giving temporary relief, is a major contributor to anxiety. The difference between a good idea and an entrepreneur, is to take the plunge. So, stop worrying about making mistakes (causing procrastination) and just go for it and you will relieve yourself of enormous amounts of pressure. We all know how good it feels when we get one of our ‘hard’ tasks completed. Making those sales calls, sending that difficult email or even breaking up from a negative relationship. It’s really hard to do, but once you’ve done it…Wooo Hooo. You feel great, right? Imagine if you could keep that momentum going. Take that inner exciting feeling and keep it with you every day. As Richard Branson said in

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a recent article “The key to success is unwavering commitment and focus. You will make mistakes as you launch your product or service — a ton of them. But keep your eye on the prize and never blink. If you stop believing, your entire enterprise will be called into question.” But back to reality. This is all about you…sitting in your office wondering how to tackle those massive hurdles in front of you now…today. Here’s some tactics you can use that are proven to work: • Breathe: When you feel yourself procrastinating over a difficult task on your list, stop for a few minutes to prepare yourself. No, don’t make another coffee. Purposely take some slow, deep breaths and count backwards from five or six each time. As you are counting, you will not be able to feel nervous, anxious or worried. Do this for at least one minute (ideally five) and time yourself. This interrupts the old habit loops and only allows you to concentrate

on counting backwards and watching the clock, and not on the actual task. You’ll feel better after this… guaranteed. • Think: Choose an ‘Anchor Thought’. It might be the trip you are about to take as a result of the action you are about to do. It might be high-fiving one of your colleagues or family when you get the result you are after. As soon as you finish your breathing, bring this thought into your mind. Really see yourself in the picture. This will give you the drive for the next step…

about your goals. You will make mistakes as you build your business to the next level — a ton of them, just like Richard. But remember your goal and don’t stop for anything. Give yourself time to breathe, think of what’s driving you and then just do it…one task at a time. For more visit Julie’s Vlog here:

Julie Watson is the General Manager and Founder of ‘In The R.A.W. Creative ™’. A successful Central Coast businesswoman for over 35 years and author of two e-Books, she now helps people to find their own inspiration through the ‘Stronger Than My Excuses’ presentations and vlogs. Twitter: @JulieWatsonCCC

• Do: Act immediately. Don’t hesitate and just do it. Do it while you are energised WRCoC | | 11



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Many of us love a challenge, mental or physical, that makes us feel energised, focused and completely alive. Yet when it comes to the hurdles we haven’t planned for, we tend to retreat into our fears, lean on our vices and slip into crippling inertia. It’s a natural response to unforeseen hardship, but it’s the choices we make once the initial shock has passed that matter most. The ability to ‘bounce back’ effectively from trauma and setbacks – the death of a loved one, the failure of a business venture, the breakup of a long-term relationship – is sometimes referred to as resilience. It is often mentioned in the context of raising children equipped to handle the ups and downs of life, but adults can nurture resilience in themselves as well. Contrary to popular belief, resilience is not an in-born quality. It is more like a muscle – the more you use it, the stronger and more supportive it becomes. Building resilience involves drawing our own strengths, skills and support networks to navigate through difficult terrain. Being resilient is not about ‘soldiering on’, stoically (and silently) carrying on as if no problem exists. Trying to do that isolates us from our families, friends and colleagues. It prolongs and often intensifies our suffering. It can even place our physical and mental health at risk. One of the most important steps towards managing grief and loss is to recognise and talk about it. This can be particularly challenging for those who have lost a loved one to suicide. The persistent stigma surrounding poor mental health and suicide can discourage those left behind from seeking the help they need. Shame, guilt and blame are often among the strong emotions felt and can isolate survivors from the community and greatly undermine a family’s ability to provide mutual support.

Iris Foundation’s annual Tree of Dreams campaign offers a chance for locals to acknowledge those they have lost and to share hope for the future. In the weeks leading up to World Suicide Prevention Day on September 10, the Tree of Dreams, located near the entrance to Wyong Milk Factory, will be adorned with coloured tags carrying messages of hope, support and remembrance from the local community. This year’s Tree of Dreams campaign will culminate in a River of Reflection event on the Wyong Milk Factory grounds on Sunday, September 8. The public will be invited to write their own messages on a paper lantern which will float down the Wyong River at dusk. Music, hot drinks and a supportive atmosphere will be offered to all who attend. There are also several dining options available onsite once the ceremony is complete. All are welcome. River of Reflections Date: Sunday, September 8, 2019 Time: 5.30-7.30pm Location: Grassed area near Allsorts Gym, Wyong Milk Factory, 141 Alison Road, Wyong More information:

Adrienne Garside works for Iris Foundation - a Central Coast organisation that fosters resilience, hope and connections in our community as a means to reducing the risk of suicide.

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CREATING CONTENT WHEN YOU’RE UNINSPIRED BY LEE MCCAFFREY After breaking my ankle in between Christmas and New Years’, I’ve been stuck sitting on my butt in bed for the last month. I’m still working on our businesses, and I still have all my usual deadlines and commitments, but due to my limited mobility, my days have been structured in a completely different way. Normally, I’d write about our life in business, sort of like a commentary on what’s been happening that week, but for the last few weeks with not much to stare at but my bedroom walls I found I’ve been coming up short. So why I am telling you this? Well, I talk to a lot of business owners about creating and maintaining business blogs, and probably the biggest roadblocks I see to these blogs being a success, is writer’s block.

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Now to me, writer’s block is everything from a lack of ideas, to a lack of motivation to write. To the inability to put words down on the page. Faced with all three of these issues myself – for the first time in a long time – I decided to write about how I’m solving my writer’s block: 1. PREPARE TO BE UNPREPARED. One of the things I always do, and one of the first things I tell other new writers to do, is to start a list. That could be in the notes app on your phone, or in a notebook you carry around in your bag. Every time you see something interesting or unusual, every time you become aware of a customer’s pain point or issue, every time have an idea for a story in general, write it down. It could be a few keywords or even a drawing. As long as it’s something that triggers the

memory of the idea that you had. And make this the first place you look during blog planning and scheduling, or anytime you go to start a new writing a new piece. 2. TALK ABOUT YOUR OWN ISSUES. So, going over my own notes, one of the things that featured over and over again, was writer’s block. It’s a topic that’s come up in workshops I’ve run, and in conversations I’ve had, about writing and blogging. Considering that’s the exact issue I was facing myself, it seemed a no brainer to talk about what happened to get me there, and how I was getting myself out. 3. WRITE HOW YOU SPEAK OR TALK IT OUT. When you’re having trouble writing, one of the worst things you can do is try to be a writer. In fact, anytime you’re writing one of the worst things you can do is try and be a writer. Rather than having a nice flow, what you’ll get is stilted dialogue and a whole bunch of words

that you probably would never use in normal conversation. So talk it out as if your client was standing right in front of you. You can get voice recording apps for your tablet or phone, and there’s even an option to dictate in Word if you’re using Windows 365. 4. LET IT TAKE ON A LIFE OF ITS OWN. In an ideal world, when I start writing a blog post or an article I know how it’s going to start and end. But on the days when you’re really struggling to put words on the page, even that can be hard to come by. So just start writing, or talking and see where it takes you. Some of the best articles I’ve written have come as a complete surprise. And some of the best planning I’ve done for future articles has come from ideas that have revealed themselves as I’ve worked. So there you have it. Out of nothing and using these four steps I’ve not only produced this article but have just planned to write several more on topics that I’ve touched on here.

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Have you ever stopped part way through a renovation and muttered, “Well that didn’t go as I’d planned?” …I have. As a self-confessed DIY junkie I have turned my hand to everything from substantial car repairs and caravan renovations, to haircuts and catering. I’ve laid floors, created websites, self published and illustrated books. I’ve designed floor plans, framed up extensions, mixed concrete, built and rendered brick walls… In fact, my husband (who gets dragged along on these adventures) gets a bit nervous when I start talking about new ideas, and frequently shoots me a disconcerted look whenever I say, “Oh, I could do that.” Generally speaking, the results have been good, but the emotions I’ve visited throughout the process have ranged from complete satisfaction to something like a near death experience. I understand the many reasons people opt for DIY and although I’ll never discourage it, I will offer 16 | Northern Voice | Issue 7 - August 2019

some seasoned advice. Whatever it is you decide to take on, “Educate yourself, and know your limits.” DIY can result in a wonderful sense of achievement, but it can also keep you awake at night if you’re worried about the roof falling in while you sleep. With that in mind, let’s take a look at the area of Trade Mark registration. It’s certainly possible to do this yourself, but taking time to think about the two main steps in the registration process will help you work out if it is in fact a DIY job or you need to call in the professionals. Step 1: Do I have a trade mark? Firstly remember that a trade mark is not only a logo or a tag line. It can also include images, colours, scents, and sounds. It may be your business name, but it could also be the title of a key product or service or the words or images used as part of your branding. If you’re a designer with your own line of products, your name itself may be the trade mark that needs protecting.

Once you’ve identified what you want to register, check the IP Australia data bases for existing trade marks. Step 2: What ‘classes’ should I choose? For the purpose of trade marking, all goods and services have been divided into 45 classes, and when you apply for a trade mark you must choose the classes where your trade mark will be used. Each class will incur an additional fee and your application can’t be changed once it’s submitted, so it’s essential to give this serious attention. Take a look at the list of classes here at the IP Australia website and consider which ones your products or services occupy. Also consider how you plan

to extend your business and which other classes you may wish to protect. For example, what begins as a family restaurant may also plan to branch out into catering or training. Once you’re clear on these two main steps you’ll have a better idea of how to proceed. The IP Australia website has a wealth of helpful information, but if you aren’t sure if you even have a trade mark or you don’t know which class/ classes to include, it really is a good investment to talk to an IP Lawyer. As with any of my articles on legal topics, they can never take into account each of your unique circumstances. But for the serial DIY’ers among us, I do hope this information goes

some way to highlighting the main issues to consider.

Legal Toolkit

Georgia Thomas is the Principal Solicitor of Legal HQ Pty Ltd, and Author of The Small Business

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Self-Managed Super funds SHOULD YOU GET ONE?

BY CAITLIN BOWMAN The use of a Self-Managed Super Fund (SMSF) to purchase property is a concept that has become progressively more popular however there are a lot of questions that people considering this option need to ask. How does the purchase actually work? Can you borrow money to purchase a property through your SMSF? How much do we need to have in our SMSF to purchase a property in our SMSF? Why Should I Consider a SMSF?

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• Control – SMSFs allow you to have the ultimate control of your retirement wealth, the ability to know if funds are earning money and the ability for you to choose the types of investments your money is put into. • Choice – SMSFs allow a wider investment choice than retail funds including residential and commercial property, shares, art work, collectibles etc. • Tax Minimisation – SMSFs offer you the ability to have tax-free pension income streams in retirement and possibly access

Annual Business Awards applications close at midnight May 19th 2019”

benefits previously beyond reach such as the Commonwealth Seniors Healthcare Card or even some Aged Pension. • Tax Benefit/Tax Control/ Capital Gains Tax Benefits – SMSFs allow the Trustee to manage and control tax through timing and structure. • Asset Protection – assets held within a SMSF can be better protected from instances of bankruptcy and personal liability. • Cost Saving – in a SMSF there are no brokerage costs, buy/sell costs and

overall the yearly cost of running a SMSF can cost less. How much money should I have to set up a SMSF? A lot of experts in SMSF suggest that an amount of $200,000 in funds make a SMSF viable. However there are ways to purchase property in your SMSF if you do not have this amount in superannuation, for example purchasing a property jointly with your SMSF, loaning money to your SMSF to buy larger assets or borrowing from a bank.

Can I borrow money through a SMSF? Yes – SMSF’s can borrow money from most lending institutions. The asset that is purchased is held on trust in the SMSF. This is known as a Limited Recourse Borrowing Arrangement (LRBA) which also has the added protection that if the loan is defaulted your whole SMSF is not at risk. What type of real property can I purchase in my SMSF? The short answer is that any WRCoC | | 19

property, either residential or commercial, can be purchased in your SMSF although if it is residential you are not allowed to reside there nor is any member of the SMSF or relative of a member of a SMSF allowed to live or rent the property. If you own the property that your business is conducted from you are able to sell it to your SMSF and then lease it back through your company. This allows the SMSF to receive rental income that is not included as a contribution and allows you to accumulate more money in your SMSF. What are the requirements of a commercial lease from your SMSF?

arrangement if you do not have enough money in your SMSF. You can:• Increase the number of members in your SMSF maximum of 4 members. • Purchase a property together with your SMSF through borrowing as individuals either against the family home or obtaining a loan and own the property as tenants in common with your SMSF. • Loan money to your SMSF. This is not counted as a contribution in the relevant financial year. • Purchase a property with a related entity either a company or a trust that you control and own the property jointly with your SMSF.

• The terms of the Lease must be commercially competitive. • Rent payments must be made on time, every time, in full. • Valuations need to be undertaken regularly to ensure the terms of the Lease are commercially competitive. • The investment must satisfy the ‘sole purpose’ test, being that its sole purpose is to provide retirement benefit to the fund’s members. What if I don’t have enough money in Super? There are alternate options to an LRBA

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Caitlin is a Senior Associate member of our Commercial Law team. As a lawyer who specialises in Commercial Law, she is committed to delivering accurate, practical legal advice to her growing commercial client base in an efficient and timely manner.





Our books in the spotlight this month both come from the same author. Hunter Leonard is a business owner, marketer, speaker and philanthropist who has a passion and a proven track record for changing the lives of mature age individuals through business ownership. He has created a business, Silver & Wise, to do just that with products and services to help aspiring business owners.

Generation Experience

a comprehensive guide on the 8 skills you’ll need to be successful. It covers: • How to know if you’re ready to start a business • How to know if your business idea has legs • How to set goals and aspirations and use strategic planning to get there • How to manage money, people and quality in your business • How to get the word out through marketing and public relations • How to keep the focus of your business on the most important factor – the customer Visit the Chamber to access our copy or purchase your own from Generation-Experience-Mature-Age-BusinessSuccess-ebook/dp/B07B8NWX16

Get Your Marketing Cooking

Over 40 and thinking of starting a business? This book is a must read for anyone who’s had enough of working for someone else or had their corporate career interrupted by redundancy. Generation Experience sets out clear strategies on how to start and run a successful first business in your 40’s and beyond, including 2222| |Northern 2019 NorthernVoice Voice| Issue | Issue71- -August February 2019

What do good marketing and cooking have in common? More than you might realise. They both need a recipe, ingredients and a process. How do you get more customers? It’s the

number one challenge for business owners, with 41% saying they don’t have the answer. Why do business owners in Australia rate their confidence in their marketing at only 4.36 out of 10 on average? Why are over 40% of business owners so confused about where to market their products and services? The answers to those questions and many more await you in this book from one of Australia’s most experienced and awarded marketers. Hunter Leonard is the Founder and CEO of

Blue Frog Marketing Pty Ltd. He has worked with over 50 different organisations in 20 different industries, helping the owners of these businesses understand their value in their respective markets and then planning marketing strategies to achieve significant growth. Grab a copy at B06XDTT8VV or visit the Chamber office to read ours.



AGM + Dinner Wyong Race Club 5:30-6:30pm AGM followed by 7pm Dinner when we’ll hear from Sharon Foster from Tradestart, and David Harris who will update us on local issues. Save the date!

Christmas Party Wyong Milk Factory Tickets Available

16TH NOV Wyong Writers Festival Chapman Building Grounds All day event with Dinner & Speakers Guest Speaker, Michael Hanrahan from MH Publishing in Melbourne. Stay tuned for details or contact Georgia Thomas on 0448387696 if you’re interested in speaking throughout the day or securing a stall.

24TH SEPT Chamber Breakfast Kooindah Waters 7-9am With Michelle Aitken from Aubrey Brown Lawyers Save the date! WRCoC |




Profile for Wyong Regional Chamber of Commerce

Northern Voice - Issue 7 July 2019  

Welcome to the August edition of the Northern Voice! A monthly e-magazine brought to you by the Wyong Regional Chamber of Commerce, showcasi...

Northern Voice - Issue 7 July 2019  

Welcome to the August edition of the Northern Voice! A monthly e-magazine brought to you by the Wyong Regional Chamber of Commerce, showcasi...