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MAGAZINE
Clarence
Cluster Success
Securing the Future of Marine
and Engineering
Communications
Solutions for Remote
Workers
Business Efficiency
Managing the Heart
of Business
Insurance
Whats 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 regions
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
info@aguawebs.com
02 6676 2980
Contacts
Editorial Contributions:
editor@nrbm.com.au
Advertising Enquiries/Media Kit:
sales@nrbm.com.au
Subscriptions & General Enquiries:
admin@nrbm.com.au
Moyra Burke-Smith
Editor NRBM
Editor
The paper used to produce this magazine is manufactured by an ISO 14001 environmentally rated mill.
www.nrbm.com.au
Autumn 2016
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Contents
12
23
26
25
Regulars
16-19
Cover Feature
News 6-7
Business Matters
Pollies Points
38
Find out the key issues that your local pollie is fighting for you.
16-19
Business Matters
Employment & Training
12-15
23
Biz Tips
25
Legal Corner
26
www.nrbm.com.au
Autumn 2016
05
06
Autumn 2016
-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
www.nrbm.com.au
the round up
Lismore Leaps into 2016
www.nrbm.com.au
Autumn 2016
07
business matters
insurance
Our brokers live locally so you dont have to speak to a call centre in another
state (or country!).
BYRON BAY
BALLINA
SYDNEY
www.eagleinsurance.com.au
08
www.nrbm.com.au
business matters
real estate
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. Its 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
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
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business matters
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www.nrbm.com.au
business matters
Enterprise Agreements
Advice on Termination
Staff Handbooks
Payroll Audits
www.nrbm.com.au
business matters
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cover feature
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 dont and can steer customers to other cluster members where possible.
Whats 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.
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 groups 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. Its 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
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
info@harwoodmarine.com.au
www.harwoodmarine.com.au
18
www.nrbm.com.au
e
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n
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r
a
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cg
livin
[ live happy ]
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IF YOURE THIN
ATING,
ABOUT RELOC
HAPPY
YOU CAN LIVE
CE VALLEY.
IN THE CLAREN
d
Life speeds up an
mplicated.
becomes more co
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We yearn for sim
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like time, a sens
;
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era of innoce
and a return to an
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TO FIND OUT MO
ence
.au/livingintheclar
clarence.nsw.gov
.gov.au
edu@clarence.nsw
am
ic Development te
or call the Econom
on 02 6643 0200
business matters
business efficiency
www.nrbm.com.au
business matters
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business matters
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www.nrbm.com.au
business matters
biz tips
hat would you say to someone who told you they were
training to do a personal best marathon time, but who
also werent 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 Ive got a pretty good feeling if Im 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 youve done that practice or
habit in the past month, what score would you give yourself? Id 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 didnt
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
25
business matters
legal corner
Isabelle Brady
Wills and Estate Planning
Power Of Attorney & Guardianship
Conveyancing
02 6681 6334
5 / 37-41 Cherry St Ballina
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Adam Gibbs
Criminal & Commercial Law
Traffic Offences
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business matters
energy
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
KEY
Like us
or follow us
for
information during power outages
www.nrbm.com.au
27
business matters
marketing
28
Autumn 2016
www.nrbm.com.au
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Making
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At any time, there are countless issues
demanding your attention. They can
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TNR has a team of over 70 skilled
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