The Quairading CRC is looking for a new member to join the team!
We have an opening for a new staff member to come on board either part-time or full-time as “Receptionist / Admin Assistant”, with the option to also complete a traineeship. Hours and units of study (if applicable) will be negotiated with the successful candidate.
PREFERRED SKILLS + EXPERIENCE:
To apply, please email your resume and a cover letter to Jo Hayes, Chairperson, Quairading CRC Management Committee by 12pm (noon) Friday 21st July 2017.
HAPPY PEOPLE SHINE BRIGHTER:
This Banksia Bulletin is flipping massive, and there’s so much more that COULD and SHOULD be in it, but there are only so many pages a printer can handle and so many pages it can throw a staple through! For a moment I considered stapling by hand with the jaws-of-life looking contraption I think might be in the cupboard, but then I remembered I have a life (and technology rulez).
We all claim we’re busy all the time, but surely this proves it? Between sporting fixtures and club fundraising events, social outings, school activities, meetings (ugh, meetings) and on a less light note, funerals - there’s hardly even any time to stress about why it’s not raining properly.
Tagged Around Town is absolutely off chops this month (I assure you, that’s a good thing) taking up a double page spread! Or a centrefold, as I’m sure many of the subjects will claim. It warms my millennial heart to see so many savvy Instagrammers using the hashtag #quairading and spreading the love (I go on a little more about why hashtags are good for all of us on the bottom of page 9).
Four of our local businesses nominated themselves and are finalists in the upcoming Wheatbelt Business Excellence Awards. The kudos are in order for Loose Stitches, Quairading Pub, Quairading Tyre & Battery and RG Bumbak & EM Grundy. If you’re looking for a night out and want to support these guys, grab a ticket and head along to the awards dinner which is in QUAIRADING next Friday (7th). Info on page 25.
If you like hearing me telling you what’s what (and it’s fine if you don’t!) and you have been charged with the duty of running a Facebook page for a business, club or community group in our thriving little town, you should totally come to our How to Facebook Workshop on Wednesday 12th July at 6pm. I promise you though, I’ll keep the telling to a minimum and I’m looking forward to an interactive session where we can all share what we know and what we think works and doesn’t work, to get you lot engaged.
You’ll be glad to hear our most recent trainee has successfully flown the coop and has landed safely at the Woodanilling Tavern! There are a few words and a happy snap from Taneika on page 54. A traineeship with a Community Resource Centre is like a stepping stone into a new career and are offered to help individuals build their workplace skills and experience, whilst also completing a certificate through TAFE (or similar) making them ready to take on the world. Taneika’s departure and other staffing changes here at the Quairading CRC mean we are in the market for a new team member! All the info can be found on page 13. If you know a brilliant person, we’d love for you to share the ad with them.
Oh, by the way—it’s my birthday month. YEE HAA!
Coordinator, Quairading CRC
Editor, Banksia Bulletin
1 Parker Street
Quairading WA 6383
PHONE: (08) 9645 0096
FAX: (08) 9645 0098
If I had a penny (or any sort of 21st century currency that would actually be of use to me) for every remark I’ve heard this month about how close the mid way point of 2017 is… I wouldn’t have as much currency as I did post–Mutton Cup last year, but it would be a fair bit!
Yep, June is a-knockin’ at the door.
And what a ripper June it’s going to be! Hopefully the weather is kind to our farming friends so they can wrap up ripping up real soon and rip into one of the many ripper events and activities lined up around town this month. How many times is too many times to use the word rip? Rip.
On offer this month at the Quairading CRC is a Social Media Workshop for businesses and organisations with Tori Kopke from WBN on Wednesday 14th June, Cabernet & Canvas on Friday 16th June (it’s sitting, and drinking wine, and painting a canvas, with heaps of help, oh and also cheese!) and a Farm Office Efficiencies Workshop delivered by PinG (Partners in Grain) on Thursday 22nd June. We’ve also got three more Boogie Roos sessions this term (and three more in Term Three) from 9:30am on Friday 26th May, 9th June and 23rd June.
The BreastScreen WA Van will be parked at the Quairading CRC from Wednesday 28th June until Tuesday 4th July providing FREE mammograms. Appointment booking details can be found on page 27.
Did you know the Quairading Club is turning SEVENTY this year! There’s a great snippet from a 1964 paper and details on how the Club is celebrating this momentous occasion on pages 19 and 20.
The Quairading Golf Club have been hard at work planning what sounds to be an EPIC day of golf and fun on Saturday 24th June. The Act-Belong-Commit Invitation Day is in celebration of 50 years of Junior Golf and the 10th Scotty J Memorial Day. One of my big claims to fame, which I unashamedly make quite often, is taking out Girls Junior Club Champion one time many years ago (never mind that there were only two of us competing and I just happened to have one less 10-with-a-circle on the day!). Regardless, I’m excited to make a return to the course and I hope to see lots of you there too!
Keeping using the hashtag #quairading when you’re posting local photos on social media—our readers are LOVING the Tagged Around Town snaps on page 6!
Yep that’ll do. Same time, same place next month. Carry on.
Coordinator, Quairading CRC
Editor, Banksia Bulletin
Inside Out Project Quairading
The Inside Out Project was created by French street artist ‘JR’. In March 2011, JR won the TED prize at the TED Conference in California, and called for the creation of a global participatory art project with the potential to change the world.
The project involves pasting giant portraits onto blank walls. The portraits aim to be unique and captivating, to encompass the good that is INSIDE someone, and show it on the OUTside.
We identified a lack of public art within our vibrant community of Quairading and wanted to do something about it. We made sure we were on the right track bu surveying the community about whether or not they would support local public art projects and the response was overwhelmingly positive.
We registered our Group Action with Inside Out and it was to say thank you to Quairading, from Quairading. We wanted this piece of art to display the generosity of our many and varied volunteers who donate their time, love and other resources to create the inclusive and diverse community Quairading is so proud of.
We were lucky enough to receive a grant from the Department of Local Government and Communities through the Thank a Volunteer Grant Program to make this idea a reality.
We enlisted the expert help of Geoff Hall from Area 51 Photography to capture the beautiful faces of Quairading at the annual Christmas Street Party on Friday 16th December 2016. A random selection of these photos were then sent off to Inside Out HQ to be edited and printed and posted back to us in the biggest size photos we've ever seen! We cooked up litres and litres of wheatpaste and took paper to wall on Friday 3rd March 2017.
The images are temporary and the art will change with the seasons.
Thank you so much to everyone who helped make this project happen. If any wants to cook up some paste and fix up a few corners, be our guest!
#girlboss is a new monthly column written by local girl bosses. If there’s a topic you want to know more about, let us know and we’ll find a #girlboss to write about it. If you are a #girlboss with knowledge to share, get in touch!
Wow! Can I say I was absolutely blown away by all the lovely encouragement I have received since my first nerdy article went to print. I am beyond excited that:
Perhaps the most common question I get asked ALL the time is “what should I invest in?”
FIRST DISCLOSURE- I am not a financial planner, so anything you read below is absolutely the ideas of a person high on caffeine and chocolate.
When you invest in something, you have the potential to receive return in two ways:
In my experience when women invest they almost always have an online savings account that they squirrel $50 a month into OR they buy shoes. Let’s pretend the day will come when we have enough shoes (as if) and we all start saving and have a little secret nest egg. Why do we like our online savings account so much? Because we can see it on our internet banking, it’s easy to set up and cash is comfortable- if you need it for whatever reason (like a shoe sale) you can get access to it quickly and easily…. Does this cover all the reasons you have a little cash nest egg?
Interestingly though cash doesn’t appreciate. You might be familiar with the term ‘inflation’ but if not- remember how you could buy a Bubble-O-Bill for $1.50 at the community pool 15 years ago, and now they cost $3.50. No, the pool isn’t making millions ripping you off when you buy an ice cream (or are they? Investigative
report for next month!) this is inflation. The same $1.50 buys less goods and is therefore worth less in real terms as time goes buy (if this phenomenon interests you google “time value of money”).
So, we must receive a really good income generation from the cash reserve account to make up for inflation right? Ummm…. Maybe not? Have you seen where interest rates are right now… in some cases you will find out that the income (interest) you receive on your cash account is no more than the inflation rate- which means you are actually losing money in real terms.
With this knowledge are we feeling a little braver to consider some other investment classes with some of the money you have parked in your cash account? What is an investment class I hear you ask? Well think about the term ‘investment’ like a shoe department… there are thongs (casual and easy but not super fabulous - kind of like your cash account!), sandals, wedges, kitten heels, etc. Lots of options and all with slightly different characteristics to suit different feet/investors/occasions.
Normally when someone has decided they don’t want to put their life savings in a cash account the first thing they ask is ‘what shares should I buy?’. Unlike depositing money into a cash account, when you buy shares in a particular company there is not a 100% guarantee that your shareholding (or investment) will appreciate nor do you know how much income (dividend) you will receive. This uncertainty is normally greater for the 2c shares than say, buying shares in Wesfarmers.
I am personally lazy- I don’t want to spend time researching individual companies and then spend time every week keeping an eye on the market… that sounds hard! For this reason, I love managed funds… you basically give a fund manager your money and they add it with other people’s money and invest it across a large variety of companies in different industries. You pick the fund you give your money to depending on how much risk you are comfortable with and whether asset appreciation or income generation is more important. You can start investing with as little as $5K and you can add to the fund monthly just like you do with your cash account. Once you get to $20K talk to the bank or your financial planner about a margin loan (if you are wanting to aggressively build your nest egg). Returns are not guaranteed but the fund managers employ smart people who are meant to know what they are doing and watch the share market all day every day.
Don’t like the idea of giving control of your money to someone else? Fair enough- I wouldn’t lend shoes to my sister either. What about real estate? The benefit of low interest rates is money is cheap to borrow… so why not use the nest egg for a house deposit. There are some great little cheap houses in Quairading… and a demand for rentals! Putting a high-quality tenant in the house we have bought will cover the mortgage (rent=income) while we wait for the property market to take off (asset appreciation) … I know this must sound mad… but perhaps the new industrial precinct in Quairading and airport in Cunderdin will see a new wave of housing demand and hence higher property prices*.
[*I’m not being paid by Terry or Gecko to tell you to buy houses in Quairading… disappointingly… talk about stingy!]
Another asset class that I find really interesting is that of Hybrids. Mainly issued by the banks as one of the ways to fund their balance sheet so that they can lend you money to buy an investment property in Quairading. They have a few different names- mainly they go by Convertible Preference Shares/Notes or Perls. Hybrids are the love child of a share and debt. If you buy a NAB hybrid (for example) and the NAB falls over, you rank before a NAB shareholder in terms of getting your money back but if things get a little hairy economically (think another Global Financial Crisis) you might get shares in lieu of cash when your investment matures. Normally the income (coupon) on this type of investment is paid quarterly and would be higher than your cash account but lower than buying shares in the same company. There is much more you need to know about this class and I am running out of word count- so google ‘hybrid securities’ for more general information.
When you are investing, you need to think about whether you are looking primarily for asset appreciation or income- the answer normally depends on what stage of life you are in.
If you are looking down the barrel of retirement, I would be focusing on investments that generate good income… so that you can live off that income without having to sell the investments (i.e. you can’t pay for a holiday with a block of land you own, but if you own a house you can pay for your next cruise with the rent you receive).
If you are desperately trying to save to pay for the purse destroying thing they call ‘boarding school’ I would be concentrating on investments that have the potential to have strong asset appreciation OR give you the ability to reinvest the income you receive from any investment you make.
This little article is in no means an exhaustive list of things you can invest in… there are honestly so many! But perhaps when you are looking at investments, ask yourself why you are investing, what your risk appetite is and whether income generation or asset appreciation is more important- the answer to these questions might help you weed out what you don’t want to invest in!
Please, please, please remember there is also no one silver bullet. We don’t keep buying the same pair of black ballet flats, we have a couple of different pairs of shoes to cover different occasions… take the same theory when you invest, spread your investments across a couple of different classes.
Finally, don’t forget to invest in yourself- sounds cheesy I know, but honestly why not spend some of your nest egg on a financial planner getting advice OR take a course to upskill yourself OR start a business based on your passion. There are not enough women in the world who know their worth- so take a chance, do some research and take charge of your finances!
Cheers and happy researching
FINAL DISCLOSURE: Don’t bail me up while I am buying chocolate to tell me my ideas caused you to lose your life savings. It’s your money and your future, do your own research and take ownership for the risks you decide to take.
TITLE IMAGE BORROWED FROM WWW.GIRLBOSS.COM
You can read the full version of the April 2017 Banksia Bulletin for free online right here: http://www.quairading.crc.net.au/banksia-bulletin.html