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19 August 2016

Local Knowledge - The Little Secret Garden at Littlehampton SA

The Little Secret Garden is a hidden treasure, set back off the main street of Littlehampton, South Australia. You can expect to have your taste buds go wild. The appeal lies in its emphasis on beautifully presented cakes and wholesome light lunches that will remind you of a good home cooked meal.

Owner Valeria, originally from Italy, travelled to South Australia in 2009 to pursue her career as a Zoologist. However, it was her passion for cooking that took her down another road. Opening her café The Little Secret Garden in 2014. Cooking all of her favorite treats, specialising in Vegan, vegetarian and gluten free meals, Valeria has made her mark in the community, becoming a favourite amongst the locals.

Charming and visually enticing, The Little Secret Garden has treasures hidden around every corner. Beautiful antiques, hanging plants or the artwork created by Valeria; you will love the ambiance this café provides.

Open Monday to Friday and over the weekend on special occasions, stop in and add The Little Secret Garden to your list of favourites.

“Someone eating my food, saying yum…Makes it all worthwhile” – Valeria.

Post created by Lauren Edmonds
RedNoir Studio

27 July 2016

Accepting Credit Cards Online, In-Store or Anywhere

What to use to process credit and debit card transaction such as Mastercard & Visa in your business

At its core, it's a two-step process.
  1. POS System.pngHow do you want to do business with your customer? In person via a Point Of Sale system (POS), a traditional credit card swiper or a mobile device or online Internet / phone.
  2. Determine whether you will need a merchant account, a financial middleman (Bank) that approves transactions and deposits into your bank account, or credit cards transactions go directly into your bank account without the need for a merchant account.

Point-of-sale (POS) systems
  • pph-tap-and-go-reader.jpgA complete checkout terminal that can include a credit card swiper, NFC reader, touch screen, barcode scanner, cash register, printer and other equipment.
  • Usually requires a merchant account and application can be made to provide Electronic Funds Transfer at Point Of Sale. (EFTPOS)
  • POS with accounts system, standalone or online system Eg. Vend.
  • Best for businesses with a physical location that want to connect multiple locations or cash registers to each other and/or to other business systems such as accounting or inventory.

Mobile credit card processors
  • credit-card-terminal.jpgA dongle and/or app that lets you accept credit cards anywhere using a smartphone or tablet.
  • Usually requires a credit card reader that attaches to your phone. Does not usually require a merchant account.
  • Software is normally online Eg. PayPal and via App Store.
  • Best for a business that sells in a variety of places, wants to process transactions anywhere in the store or does only a few transactions a day at its physical locations.

online-credit-card-processing.jpgCredit card terminal
  • A piece of hardware used to swipe credit cards in person or, in some cases, to manually enter credit card numbers from phone or Internet orders.
  • Requires a merchant account and is usually provided by merchant account providers as part of their service.
  • Software is built into the device and reporting is via bank / merchant statements
  • Best for a business that doesn't need its credit card processing system to do anything but accept payments.

Online payments
  • An e-commerce solution, shopping cart software or third-party marketplace — such as eBay, Amazon etc that lets Web-based businesses accept payments at their website, blog or online store.
  • Most e-commerce sites hosted by a third party do not require a merchant account. Stand-alone e-commerce sites that use shopping cart software may need a merchant account.
  • Software is via merchant provider.  Tools are normally provided to create “Pay Now” button code for websites and shopping carts.
  • Best for businesses that conduct a variety of business transactions online.

3 June 2016

Payroll Tax, What is it and how does it effect your business

"Considering South Australia has the highest unemployment and number of small businesses, we also have one of the highest disincentive taxes for small businesses to grow and create employment."

What is Payroll Tax

Payroll tax is a general purpose state / territory tax on businesses creating employment.  It applies when the total wage bill of an employer (or a Group of employers Eg. Companies related by common director(s)) exceeds a threshold amount. 

It is a complex tax and it can catch business owners and investors out particularly with the Grouping categories.  "Groups" are designed as a catch all approach to maximise state revenue by linking business owners, investors, employees and the like to more than one legal entity.

For example, if you own and operate a small business under the payroll threshold, and decide to purchase shares in a separate business also under the threshold level, than the accumulative payroll from both businesses may attract payroll taxes.  It can be an unwelcome surprise and expense for the other shareholders in both businesses.  The sharing of the tax free threshold and the different state rules further compound the complexity of this tax system.

Payroll tax is payable monthly in South Australia to RevenueSA.

Who is liable for Payroll Tax?
A payroll tax liability arises in South Australia when an employer (or a Group of employers Eg. Companies related by common director(s)) has an annual wages bill in excess of $600,000 for services rendered by employees anywhere in Australia if any of those services are rendered or performed in South Australia.

RevenueSA recommends employers register for payroll tax when their wages bill consistently exceeds $12,500 per week.

If you are reaching the Payroll tax threshold in South Australia, you will need to register with RevenueSA

You may also need to consider Contractors or Service Providers invoice payments when calculating your total wages bill. To check, you can use the ATO's Employee / Contractor decision tool.

Exemptions - As you may expect, certain non-profit organisations are exempt from paying payroll tax and believe it or not! the creator / producers of motion pictures are too, subject to the ministers approval.

Apprentices and Trainees had been exempt from payroll tax however on the 1st of July 2012, the South Australian Government enforced the payroll tax threshold to include the wages of people being training.

What are considered 'Wages'?

In South Australia any remuneration provided to an employee is considered a Wages. It is the sum total of Wages, salaries, superannuation contributions, commissions, bonuses, allowances, directors fees, fringe benefits, payments in kind, eligible and termination payments.


If you are unsure or need assistance to minimise your Payroll Tax and exposure, simply choose a suitable time to see us.

19 May 2016

Computer Security – a FREE Guide to protecting yourself and your business

2015 was the worst year yet for security breaches. And it’s not getting any better in 2016!

Despite many people still believing major attacks are directed at big companies, it’s estimated that more than 80% of breaches occur in small businesses, which are highly vulnerable and, in most cases, the least aware. And, in the security chain the weakest link is usually the human one – their employees.

This Free, 18-page eGuide explores the need for everyone to be vigilant and employ strict cybersecurity practices — not only to defend against digital attacks, but also to prevent offline attacks!

You’ve seen the movies and read the articles but take a moment to consider the potential impact on your life if someone stole your identity, or got access to your bank accounts and other private information. For small businesses, a data breach could be lethal.

Global studies suggest approximately half of all companies that experience a cyber breach will go out of business within six months! Even if you survive, the costs aren’t just limited to the immediate loss or theft of confidential client information or critical business data, but extend to the effect on your business’s reputation and the impact on future income.

Download your eGuide to learn about the 5 major areas leaving everyone exposed and find out how easy it is to protect yourself. Chapters include -
  1. Securing your environment
  2. Managing your usernames and passwords
  3. Email threats
  4. Mobile Security
  5. Secure website browsing
  6. Getting help 
To download the eGuide click on the following link:

BLOG Provided by: The IT Guru. A project developed by DNG Technology and a member of the Adelaide Hills Business Centre

29 April 2016

Discover What Makes A WOW Boss

How many "I Love My Boss" coffee mugs are in your business?

A recent survey by a recruitment business indicated that nearly twice as many businesses had reported reduction in employee engagement from two years ago (24% to 13%). The investigation contributed the diminishing engagement squarely on the shoulders of bosses.

Owners of a Small Business normally play the role of the Boss particularly if other people are involved in the business. The facts are, the Boss that drives the business needs to be more then a hard worker and efficient. 

A Wow Boss inspires their staff, to share a common vision and to encourage new thoughts and ideas. Improved productivity and efficiencies will be a measure of their ability to inspire and communicate with their staff.

6 April 2016

Government Sleeps While South Australia Goes Under

Today bankers consider throwing Arrium a life line, while Jay Weatherill's Labor Party and ministers are surprise by the sudden collapse of Arrium Ltd, owners and operators of Australia's only major steel mill located in Whyalla South Australia.

Arrium Ltd formally known as Onesteel was rebranded in July 2012 to so-call dress up the company for further capital raising. New capital would stabilise the company and grow it’s mining assets as it once had under the BHP model.

A month later, Arrium's Chairman Peter Smedley warned of difficult times and the potential reduction in the business work force.

Two years on, Arrium confirms it disastrous capital raising efforts leaving the business with a net debt of $1.7 Billion.

I am no investment guru, but poor buy in from the investment markets is a sure sign that all is not rosy…. and when one of Australia’s largest companies is consistently communicating financial concerns I find it unbelievable that Jay Weatherill and his team are surprised.

Wakeup Jay
, Look at the other states, your government is by far the most incompetent when it comes to long term stable economic development. We really don't need another state bailout with an increasing emergency levy or further business collapses, we want good leadership that can ACT.

10 March 2016

5 Simple steps to creating a successful business

Have you got a great idea but not sure how to turn it into a business? This short article unlocks five basic steps to starting and building a successful business.

  1. Get help - There’s a lot to know about setting up and running a business. As with most start up businesses, funds and awareness around business structures to maximise returns and to protect personal assets, are limited. Making a time to see a business advisor is without doubt one of the best business investments you can make before starting. Business advisors can show you how to minimize your exposure and recover your startup cost. Advisors through a business centre, also have access to other tools and information that can help your business to succeed.
  2. See it and test it - Can you visualize your new business and how your potential customers will engage and benefit from your products and services. Test the business ideas to identify the level of interest, the perceived value and how people would purchase.
  3. Plan it - Most successful businesses are planned to do exactly that, to succeed! Planning is about creating change, identifying what is known and not known. Determining what resources are required to start and maintain a business during its startup phase. The matching of strengths with opportunities and weaknesses with threats will help to identify what action is required to create and maintain a successful business.
  4. Budget and Cashflow - Most startups commence with limited funds and it takes time to build a business that generates a sustainable income stream. In addition you have a number of cost items that may need to be deferred and spread out over time. A Budget helps you to stage your business while your Cashflow projects your ability to meet your commitments.
  5. Measure, Review and Act - Whatever you do in your business, you need to be able to measure it. Eg. an accounting system. Your business will operate in an environment that is constantly changing. Reviewing and updating your business plan regularly is an important step in moving forward. This is where a business coach will challenge you and support you in achieving your business and life goals. 
For local assistance visit and book a meeting with an advisor.