Pauline Bright – Business Coach

pauline-brightPauline Bright is an award winning business owner, presenter, speaker, writer and business coach who has coached and trained hundreds of people to trust in themselves, believe in their dream and do the work that is necessary to be a success.

Her business clients win Telstra awards, Asia pacific Business Excellence awards, Regional and Local awards, Franchise Council awards, Best Business awards, Business of the Year, Business Person of the Year, Best Innovation, Leadership awards … a long list.

Pauline consistently appears on the Top 100 List of Global Action coaches – putting her amongst the top 10% in the world – often in the top 5%

As a business owner Pauline knows what it takes to be successful. She has owned 9 businesses, some of them at the same time. Her businesses have been in the retail sector, manufacturing and wholesaling and consulting.

She worked for over 25 years in the Advertising industry as a graphic designer. In her own graphic design business she wrote for and was profiled in national magazines. Her design work has been distributed globally.

She has been a trainer and facilitator for Bunnings, Mitre 10, Mirvac Fini, and Spotlight.

She has been interviewed on radio, sponsored Regional Business Awards, been a facilitator and guest speaker at Mandurah Mayor Paddi Creevey’s Women in Government Conference, a board member of the Peel Chamber of Commerce and facilitator of the Professional Women’s Network for the Peel Chamber of Commerce.

Current business networking memberships include the position of assistant manager for the Real Logic Mandurah Club and Superwoman member of Women in Business WA.

The Essentials Guide to Public Speaking

Essentials-Guide-to-Public-Speaking-FB

Darren Wedge – Wedge Consulting International

darren-wedgeWedge Consulting International is an Australian owned Business advisory firm operating throughout Australia and working with clients from a variety of industries. We have products and services for a New Business Start Up, any Established Small Business right through to large Corporate Businesses.

We work on the premise that every business is facing challenges unique to that business at a particular time and a generic program is insufficient to fix the challenges and obtain the outcomes desired by different business owners and leaders.

Our philosophy is to work on both the business and the people in the business to find out what everyone wants out of their life and how that can best be achieved with the business.

We listen to the business owner/leader to discover what is causing the challenges they feel they are facing and the outcomes they desire and then tailor an individual program using our unique suite of products and services to enable them to achieve their desired outcomes.

The Perils of not having Planning Approval for Additional Structures on your Property.

The Perils of not Having Planning Approval for Additional Structures on your Property

Have you ever wondered about the possible impact of erecting structures on your property without securing prior planning approval? It might seem fine at the time to erect that large shed at the top end of the block, put in a spa with a pergola for shade, or quietly extend the master bedroom a bit so that it can accommodate an ensuite bathroom, but would be ‘improvers’ who don’t place due importance on the need for council planning approval should be aware that when it comes time to sell, there are likely to be severe and costly ramifications in the settlement process.

We are not just talking about cost here – although it’s certainly true that retrospective planning approval for an unauthorised structure will cost more in engineering, surveying and other fees than if you applied in the normal way prior to the building work taking place. The other cost is in time, stress and sheer aggravation.

What structures do you generally need planning approval for?

Councils across Western Australia naturally have variations in their rules, but if you are considering erecting the following structures, you should talk to your builder or supplier about applying for planning approval:

Pools (need to meet all safety requirements including an appropriate fence and childproof
self -closing door with the latch on the pool side. Windows into the pool area need to have restricted opening so that children cannot climb through to the pool area)
Large sheds (small garden sheds usually do not need approval)
Patios
Pergolas
Changing a garage to take an internal room, bedroom, bathroom or toilet,
Any extensions to the property or addling a bedroom and/or bathroom in the roof space
Any instances where you are planning to put a roofing structure or even sails over an open courtyard area.

Do councils use Google Earth to check for unauthorised structures?

Some do … so be aware that Big Brother may be watching! It’s better to be safe by applying for planning permission for your new structure rather than be sorry later. There are well publicised costly and painful instances of homeowners trying to get away with large unauthorised modifications to their properties, and having to demolish them later on.

What happens if an owner has built a structure without planning approval on a property that is about to be sold and it comes to light during the settlement process?

The sellers will need to get retrospective planning approval – settlement cannot take place unless the buyer agrees to take responsibility for obtaining Shire approval after the sale has taken place. The seller and the buyer would both have to formally agree to this – and in practice, the chance of this happening is remote.

The usual process is that the seller has to apply for retrospective planning approval, and if the structure is a large and significant element of the building, the approval may have to go to a full Council meeting. The costs of application and other fees as well as engineer’s drawings could be well over $2,000 – and this is before taking into account the costs involved in making any required changes to the property that might be required by the Council. This process can take many months and either delay settlement or require that a proportion of sale proceeds are held back to cover the costs involved.

Sellers would then need to give the buyer’s tradespeople access to the building to make any changes required by the Council – and this ‘messy’ situation can lead to unnecessary tension and stress all round. It also means that the settlement agent is involved in more time and effort without reimbursement.

Does a building inspection report identify unauthorised structures on a property?

It is not the responsibility of building inspectors to go to the Council to check for planning approvals. Their role is to report on whether the structure is sound or not.

The conveyancer, however, will requisition a list of approvals for the property and this will list all the structures that have been erected since the original planning approval. This information should be shared with the buyers and it is then their responsibility to check with the seller’s real estate agent as to whether all the structures have council approval or not. As the list of approvals is often only supplied by Councils a day or so before settlement, this can lead to considerable pressure and stress on all parties and buyers are well advised to deal with the whole question of planning approvals early in the sales process rather than at time of settlement.

A buyer might even add a ‘subject to’ condition on the contract to the effect that their offer is subject to all structures being supported by Council planning approval … or, alternatively, they might require evidence from the seller that all structures have planning approval. This puts the onus on sellers to ensure that their property is fully compliant in terms of planning approvals.

With thanks to Cally Landless-Ockerby of Cally’s Conveyancing for the information provided.

5 Reasons Why You Need to Review Your Personal Insurances

Your personal insurance is an important part of your financial plan as it provides peace of mind and financial protection to you and your family in the event of death. Often total and permanent disablement cover is also ‘bundled’ with life insurance, this covers the scenario where you are unable to work due to total and permanent disablement, injury or illness.

Reviewing your insurances is important as your needs and circumstances change over time. There are many reasons why you may wish to review your insurances. We’ve compiled a list of the top 5 reasons to review your life insurance:

 

 

  1. There have been changes to your occupation

Insurance premiums are generally calculated based on factors such as your age, health status, occupation and smoking status. If you change occupations, your cover may no longer be appropriate and in some cases may not provide cover for your new occupation.

If you’ve received a pay rise, you may need to review or increase your income protection sum insured.

  1. There have been changes to your lifestyle or health

If you have given up smoking (generally for a period of 12 months or more) you may wish to advise your adviser or  insurer as it could result in the premium reverting to non-smoker rates, which will lower the premiums you pay .

Other positive changes to your health including weight loss may also lower your insurance premiums.

If your health has deteriorated since you first took out your insurance, it may be difficult to obtain increases or make changes to the provider or type of insurance. Changes generally require you to undergo medical underwriting. Therefore if you are considering making changes to your insurances it is very important that you do not cancel existing policies until new applications have been accepted by the insurer and are in force.

  1. Your family situation has changed

Major changes to your circumstances such as marriage, divorce, loss of a loved one, or the birth of a child will generally necessitate a review of your insurance needs.

A new baby will generally mean additional financial responsibilities, whilst as children grow up and become financially independent, there may be less of a need to have insurance provisions in place to provide for them.

In the event of divorce or the loss of a loved one, you may wish to review the level of cover and the nomination of beneficiary for your policies.

  1. You’ve taken on more or less debt

The purchase or sale of assets and an increase or decrease in borrowings generally signals time for a review of your levels of cover as sums insured often take into account your level of liabilities that would need to be repaid (if no assets are sold) in the event of death, disability, illness or injury.

  1. It’s been a long time since you reviewed your policies

Insurance companies often review and upgrade their policies to provide better coverage to policyholders and to remain competitive within the industry. Insurance companies may increase policy definitions or offer cover under broader definitions which can make it easier to claim.

These improvements are not always automatically passed onto all existing policy holders. It can pay to check whether the policy has a “guaranteed upgrade” clause, which states that future improvements to the policy will also apply to exiting policy holders.

If it’s been some time since you last reviewed your insurances you may wish to review them with your financial adviser who can review your insurance needs and determine whether the current cover and policies are adequate.

 
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