Small business is tough – cashflow, sales, marketing, tax, operations, distribution, legal – you have to be an expert in all of them! So it’s our goal to make sure we are truly pro-active in teaching business owners “how to keep getting better in business”.
So what does b-Mail stand for?
b-Mail stands for many things – “business mail”, b-motivated”, “b-proactive”, etc. b-Mail is your premium source of cutting edge business ideas, strategies and tools packed with more “how to’s” and “show me’s” than the “average e-newsletter” can provide.
Carol Dweck researches "growth mindset" - the idea that we can grow our brain's capacity to learn and to solve problems. In this talk, Carol describes two ways to think about a problem that is slightly too hard for you to solve it... or have you just not solved it yet? A great introduction to this influential field.
This month's Client in Focus is Rick Boylan, owner of Louvreland (otherwise known as Shading Solutions).
We speak to Rick on the success of his business and discuss the challenges he and his team encounter on a day to day basis.
Taking out a loan to raise money for an investment is a well-used tactic for many Australians. In fact, borrowing to buy big ticket items is part of financial realty - for example, how many of us could afford to buy a house out of our own pocket?
Small business owners should write in their diaries that from April 1, 2015, the rate of Fringe Benefits Tax (FBT) will increase from 47% to 49%. It is planned to return to its present rate two years later.
As holidays and the new year approach it's easy to be distracted from your financial goals. But this is actually the perfect time to put a few simple plans in place for a positive start to the new year.
We all want to use our talents and to create something meaningful with our lives. But how to get started? (And... what if you're shy?)
Writer, Kare Anderson, shares her own story of chronic shyness, and how she opened up her world by helping other people use their own talents and passions.
Retirement may not be the proverbial promenade through paradise after all, with new research finding many Australians are entering their golden years underprepared and over-optimistic.
A young person who chooses a superannuation investment option of "very low risk" could be up to $170,000 worse off in retirement than if they choose a "medium to high risk" option according to a poll.
How much will you need in retirement? This is perhaps the single most important question in terms of financial planning. Despite what many believe, it's possible to figure out an answer.
In 2013, international migrants sent $413 billion home to families and friends - three times more than the total of global foreign aid (about $135 billion).
This money, known as remittances, makes a significant difference in the lives of those receiving it and plays a major role in the economies of many countries.
Economist Dilip Ratha describes the promise of these "dollars wrapped with love" and analyses how they are stifled by practical and regulatory obstacles.
This month's Business in Focus is Bingo Cleaning.
We speak with owner, Sanka Gayawansha, on the recent startup of his new cleaning business and discuss its success and challenges he has overcome.
The Federal Government has recently announced that it will be removing the current GST free concession, which can apply in relation to the supply of going concerns, and replacing it with a 'reverse charge' mechanism.
The Reserve Bank has been conspicuous by its absence. The cash rate has remained steady for well over a year, with recent statements from the board making it clear that the current settings aren't changing any time soon.
If you have ever struggled to find extra money to put towards investing, analyse where your money is going right now by recording your spending.
You're doing everything right at work, taking all the right advice, but you're just not moving up. Why?
Susan Colantuono shares a simple, surprising piece of advice you might not have heard before quite so plainly. This talk, while aimed at an audience of women, has universal takeaways - for men and women, new grads and midcareer workers.
This month's Business in Focus is Central Coast Charity Organisation, Fairhaven Services.
We speak with CEO, Jim Buultjens, on the success of the organisation and discuss the recent traps and pitfalls he and his team have overcome in the last 12 months.
The Commonwealth Seniors Health Card can give self-funded retirees who do not qualify for a government Age Pension or Department of Veteran Affairs payment the entitlements that others receive from the Pensioner Concession Card.
This Bill has now been passed by both Houses on the 2nd September 2014 and it is awaiting Royal Assent.
In mid-September there are just 99 days until Christmas. Here is a guide to help plan ahead to make sure you're not left with a financial hangover on New Year's Day.
Robots and algorithms are getting good at jobs like building cars, writing articles, translating - jobs that once required a human. So what will we humans do for work?
Andrew McAfee walks through recent labor data to say that "we ain't seen nothing yet." But then he steps back to look at big history, and comes up with a surprising and even thrilling view of what comes next.
This month's Business in Focus is Julie's Place.
We speak with Australia's first MasterChef winner, Julie Goodwin on the recent start-up of her new cooking school business on the Central Coast and discuss the challenges that she faces.
Putting your money into bricks and mortar has been a traditional stalwart of investing for generations of Australians. It continues to be viewed as a solid place to park spare cash and build wealth in the long term. For many years a lot of us seem to have heeded the quote attributed by Mark Twain: "Buy land, they're not making it anymore."
Email may seem like Twitter's older, less attractive sister. Surprisingly, it still remains one of the most cost-effective channels for marketers all around the world.
One of the most effective ways to boost your savings and/or add to your super is to cut costs around the house. Here we outline some effective opportunities for spending less without feeling as if you're going without.
Facebook's "like" and "share" buttons are seen 22 billion times a day, making them some of the most viewed design elements ever created.
Margaret Gould Stewart, Facebook's director of product design, outlines three rules for design at such a massive scale - one so big that the tiniest of tweaks can cause global outage, but also so large that the subtlest of improvements can positively impact the lives of many.
This month's Business in Focus JobsOnTheCoast.com.au
Website Director, David Smeeth shares with us his enthusiasm about the success of the website and gives some insight into how the website is helping not only jobseekers, but also businesses looking for applicants on the Central Coast.
Even though everyone would be focusing on getting their records together for 2013-2014 tax year - while tax is on your mind why not familiarise yourself with the below deductions you could potentially claim in the 2014-2015 tax year!
It's not information by itself that helps drive performance, but how it's used that really matters.
In addition to the usual checks, this year there are new requirements that need to be considered for the end of the financial year.
Lorrie Faith Cranor studied thousands of real passwords to figure out the surprising, very common mistakes that users - and secured sites - make to compromise security. And how, you may ask, did she study thousands of real passwords without comprimising the security of any users? That's a story in itself. It's secret data worth knowing, especially if your password is 123456...
This month's Client in Focus is Ben Blue, owner of Central Coast business, LAB Fire Services.
Ben shares his enthusiasm about the success of his business and discusses the current challenges facing him and his team.
With more than 100 billion business emails sent each day, it remains an essential business tool.
The Central Coast has one of the highest teenage unemployment levels in NSW with more than 28% of the coast's young people aged between 15 and 19 who are looking for full-time work and cannot find a job.
A statement by the ATO said there would be greater ongoing examination of self-managed superannuation funds and their auditors, especially those identified as "high risk", and that penalties of up to $10,200 would be imposed on funds falling foul of the law. This warning takes effect from July 1 2014.
What makes a great leader? Management theorist Simon Sinek suggests, it's someone who makes their employees feel secure, who draws staffers into a circle of trust. But creating trust and safety - especially in an uneven economy - means taking on big responsibility.
This month's Business in Focus is local website designer, Jeff Hall from Website Guy.
We speak with Jeff on the success of his business and discuss the future goals for the business.
What you need to know about the Federal Budget 2014 - 2015, an analysis by Australian Business Lawyers and Advisors.
With the start of a new financial year approaching, it's important you're aware of the upcoming changes to superannuation for the 2015 financial year.
With the proliferation of apps for smartphones and tablets there are now more ways than ever to become more familiar with, and therefore improve, your financial situation. Here are five of our free favourites.
TED Talks: Bill & Melinda Gates - Why giving away our wealth has been the most satisfying thing we've done
In 1993, Bill and Melinda Gates took a walk on the beach and made a decision to give their Microsoft wealth back to society. In conversation with Chris Anderson, the couple talk about their work at the Bill & Melinda Gates Foundation, as well as their marriage, their children, their failures and the satisfaction of giving most of their money away.
This month's Client in Focus is local real estate agent, Alison Williams, from McGrath Estate Agents.
We speak with Alison on the success of her career and discuss her excitement about giving back to society.
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The Australian Tax Office has recently issued its administrative treatment in relation to proposed changes to the taxing of deceased estates where an asset of a testamentary trust passes to an ultimate beneficiary.
The Jobs Action Plan is designed to give businesses an incentive to employ new workers and expand their enterprises in both metropolitan and non-metropolitan areas in NSW. Under the plan, businesses that increase the number of NSW full-time equivalent employees, will receive a payroll tax rebate following the employment of each additional NSW employee in a position that is a new job.
The Federal Budget is handed down next month, but what does it actually mean to us as individuals and investors?
CEO of Google, Larry Page is interviewed by Charlie Rose about his far-off vision for the company. It includes aerial bikeways and internet balloons... and then it gets even more interesting, as Larry talks through the company's recent acquisition of Deep Mind, an Al that is learning some surprising things.
This month's Client in Focus is Peter Lawler, Director of local business in Woy Woy, Coastal Stainless.
We speak with Peter and discuss the success of his business and the challenges he and his team face.
Once the owner of a small business has qualified for the capital gains tax exemptions, by either having a business turning over less than $2 million a year or having a total net worth of less than $6 million, there are four concessions available.
Most investors have more exposure to international stock markets that they think, especially via their superannuation funds. For the sake of your portfolio it's worth keeping an eye on the performance of these markets.
It's an age-old question and one of the most important ones to answer as you plan your retirement savings - what exactly are you saving for and how much will it cost?
What does the future of business look like? In an informative talk, Philip Evans gives a quick primer on two long-standing theories in strategy - and explains why he thinks they are essentially invalid.
This month's Client in Focus is Andrew Descas, owner of local business - Descas Landscapes.
Andrew shares with us the success of his business and discusses the obstacles and accomplishments since starting the business.
The purpose of the Privacy Act is to protect individuals against the mishandling of personal information about them by organisations that collect or share that information.
The Australian Taxation Office has warned people to be wary of a new email scam claiming a tax refund has failed to process.
It's never too late to get your super balance much closer to where you need it to be. But first you need to understand contribution caps and their various significances.
Why do people feel so miserable and disengaged at work? Because today's businesses are increasingly and dizzingly complex - and traditional pillars of management are obsolete, says Yves Morieux. So, he says, it falls to individual employees to navigate the rabbit's warren of inter-dependencies.
In this energetic talk, Yves Morieux offers six rules for "smart simplicity." Rule one - Understand what your colleagues actually do.
BCG's Yves Morieux researches how corporations can adapt to a modern and complex business landscape.
This month's Client in Focus is Murray Christian, Authorised Representative of Shortland Insurance Brokers.
Murray shares with us the success of his career in Insurance Broking and discusses the challenges he faces and how Robson Partners has assisted him.
The ATO is about to introduce a new reporting requirement for employers when making super contributions for their employees. It is an attempt to help streamline and improve efficiency of the superannuation system and to provide a more consistent process for all employers.
The idea that day trading is an instant way to get rich is constantly advertised to the public across the financial news media.
Why doesn't the government just get out of the way and let the private sector - the "real revolutionaries" - innovate? It's rhetoric you hear everywhere, and Mariana Mazzucato wants to dispel it.
In an energetic talk, she shows how the state - which many see as a slow, hunkering behemoth - is really one of our most exciting risk-takers and market-shapers.
Which actor in the economy is most responsible for making radical innovation happen?
Mariana Mazzucato comes up with a surprising answer: the state.
This month's Client in Focus is Coastal Construction & Building. We talk to owner Mark Walsh, about how the building industry has changed and how his business has grown since he first started in 2007.
By now many Australians have had their tax returns prepared and are either happy with their refund, or disappointed or annoyed with themselves for having been so disorganised again.
As you head off on holidays don't forget to pack your finest financial habits along with your swimmers and sunscreen. Here are five ways to help prevent the silly season from ruining the great financial work you've done throughout the year.
Here's a stat worth knowing - In the UK, 63% of men who finish short-term prison sentences are back inside within a year for another crime. Helping them stay outside involves job training, classes and therapy. And it would pay off handsomely - but the government cannot find the funds.
Toby Eccles shares an imaginative idea for how to change that: the Social Impact Bond. It's an unusual bond that helps fund initiatives with a social goal through private money - with the government paying back the investors (with interest) if the initiatives work.
Toby has created a radical financial instrument that helps private investors contribute to solving thorny public problems.
Our Business in Focus for this month is Star 104.5 FM, and advertising guy Josh Davies.
The election of the Liberal Government has given rise to some exposure draft legislation that will be put before the parliament very shortly. Some of these bills may give rise to taxation implications for some of you if the legislation is passed.
Struggling to get to the Christmas finishing line? The bad news is that the hardest weeks are still ahead... The good news is that it is not as hard as you think it may be! Here are some tips for facing the end of year madness!
One of the greatest benefits of building a financial plan hand-in-hand with a trusted financial adviser is that they can immediately help you avoid serious but common financial mistakes. Here are ten of the most common.
Glenn Greenwald was one of the first reporters to see — and write about — the Edward Snowden files, with their revelations about the United States' extensive surveillance of private citizens. In this searing talk, Greenwald makes the case for why you need to care about privacy, even if you’re “not doing anything you need to hide."
At Robson Partners, we believe beautiful business starts with good looking numbers.
Xero is online accounting software that gives us a LIVE view of your business finances.
So no matter what you do or where you do it, with XERO and Robson Partners we can help you do beautiful business.
Financial success is not an accident and it's not about luck. Instead, it's all about planning for the future and developing great financial habits along the way. Here we discuss five financial habits of very successful people, plus a few non-financial ones. Best of all, these practices are not exclusive to the rich and famous - they're all habits you can develop in consultation with a financial adviser.
Why do we turn to nonprofits, NGOs and governments to solve society's biggest problems? Michael Porter admits he's biased, as a business school professor, but he wants you to hear his case for letting business try to solve massive problems like climate change and access to water. Why? Because when business solves a problem, it makes a profit - which lets that solution grow.
Michael Porter wrote the books on modern competitive strategy for business. Now he is thinking deeply about the intersection between society and corporate interests.
This month we talk to Mr James Heddo, CEO of Gosford Race Club who will be celebrating their Centenary Year this year.
There has recently been a surge in reports from small businesses that they have received a fax claiming to be from 'Yellow Page Australia' and 'Open Business Directory Ltd' that, on first glance, appears to be seeking confirmation of their business' contact details. However, on closer inspection, the fax is in fact an agreement to sign up to an online business directory service charged at $99 per month for a minimum two-year period.
In the lead up to the September 7, 2013 Federal Election there were proposed changes announced by the Coalition. While limited detailed information has been provided, we have summarised below some of the changes tot he tax system proposed by the coalition in the lead up to the federal election.
The national disability insurance scheme has been in the news for several years but is only just becoming a reality. Now known as DisabilityCare Australia, it will make a big difference to a lot of lives. But what does is really mean to you?
Stress - it makes your heart pound, your breathing quicken and your forehead sweat. But while stress has been made into a public health enemy, new research suggests that stress may only be bad for you if you believe that to be the case.
Psychologist Kelly McGonigal urges us to see stress as a positive, and introduces us to an unsung mechanism for stress reduction... reaching out to others.
Kelly translates academic research into practical strategies for health, happiness and personal success.
This month we speak to Director of Superior Solar, Derek Woods on the success of his business and discuss the challenges he and his team face on a daily basis.
Effective from the 30th of June 2013, industries that have demonstrated improved safety and claims experience will receive an average of 7.5% rate reduction, based on the performance of their industry.
Businesses are becoming more reliant on cloud services to provide them with a broader range of options. By eliminating the need for extra servers, companies can focus on more important priorities.
Most of us have a good grasp of the notion of life insurance, but less understood is the value of income protection insurance. Few offerings create such useful protection against unexpected, health-related financial turbulence for you and your family.
Business innovator, Nilofer Merchant suggests a small idea that just might have a large impact on your life and health.
Next time you have a one-on-one meeting, make it into a "walking meeting" - and let ideas flow while you walk and talk.
Nilofer thinks deeply about the frameworks, strategies and cultural values of companies.
This month Managing Director of Logical Building Pty Ltd, Jim Henry, shares with us why "green business " is the flavour of the month and how he is capitalising on the momentum in the market place for energy efficiency.
A Gallup survey shows that 10 years ago almost 60 per cent of people believed they would have enough money for a comfortable retirement. Last year, the portion of survey respondents who told the Gallup survey they would have enough money was less than 40 per cent.
Poor time management can have terrible consequences for small business owners overwhelmed by challenging priorities. Some simple changes are worth trying for a better night's sleep.
How much money do you need to fund your retirement? In the past this has been a difficult question to answer but as analysts, academics and superannuation/investment specialists have put their heads together to crunch the numbers, things have become a little clearer. It's no surprise that it all depends on your life expectancy, work plans, investment returns and desired lifestyle – basic, modest or comfortable.
You might think that the 2007-2008 financial crisis was an unpredictable one-time crash. But Didier Sornette and his Financial Crisis Observatory have plotted a set of early warning signs for unstable, growing systems, tracking the moment when any bubble is about to pop. (And he's seeing it happen again, right now.)
Didier Sornette studies whether it is possible to anticipate big changes or predict crises in complex systems.
This month's Client in Focus is Ray and Colleen Sullivan, owners of Leader Hydraulics.
We speak to Ray and Colleen on the success of their business since taking over ownership in 2008 and discuss the challenges they encounter on a day-to-day basis.
For business owners in the building and construction industry, by 21 July (28 July for quarterly instalment lodgers) you will need to report to the Australian Taxation Office all payments made to contractors during the financial year.
There are two important changes all employers should be aware of in relation to superannuation and new gender equality reporting requirements. The first of these is the changes to the superannuation regime which increase employer's superannuation obligations starting from the 1st July 2013 to compulsory contributions of 9.25%.
Great investors don't just read about world events, they analyse the likely trickle-down effects of those events on the industries and sectors in which they invest.
Leaving a high flying job in consulting, Angela Lee Duckworth took a job teaching math to seventh graders in a New York public school. She quickly realised that IQ wasn't the only thing separating the successful students from those who struggled. In this video, Angela explains her theory of "grit" as a predictor of success.
At the University of Pennsylvania, Angela Lee Duckworth studies intangible concepts such as self-control and grit to determine how they might predict both academic and professional success.
This month's Client in Focus is Peter and Andrea Schulz, owners of AP Filter Solutions.
We speak to Peter and Andrea on the success of their business since taking over as distributor, discussing the challenges they encountered throughout their business journey.
The Tax Office has been interested in rental property owners for some years now. It is recognised that there are a significant number of investors, and the Tax Office see this as an area that taxpayers are understanding rental income and over claiming deductions. In particular, the Tax Office is aware that many of these investors are new to the market, and their experience is seen to be an area of risk.
For small businesses, keeping an eye on the core business, maintaining a healthy cash position, reducing operating expenses, increasing efficiency and strengthening existing supplier and customer relationships will all go a fair way to help ensure your business weathers today's tough economic climate.
Has 2013 been a better year than last year for you so far? On a nationwide scale, recent surveys have shown the first few months of this year have been an improvement on 2012, with consumers and investors a little more confident about the strength of the Australian economy although some uncertainty does remain.
What motivates us to work? Contrary to conventional wisdom, it isn't just money. But it's not exactly joy either. It seems that most of us thrive by making constant progress and feeling a sense of purpose.
Dan Ariely, behavioural economist, presents two eye-opening experiments that reveal our unexpected and nuanced attitudes toward meaning in our work.
It's become increasingly obvious that the dismal science of economics is not as firmly grounded in actual behaviour as was once supposed. In "Predictably Irrational", Dan Ariely tells us why.