Chasing The Dream! Magazine - Issue 4

Welcome To Chasing The Dream! Magazine - Issue 4 by Founder and Entrepreneur - Chris Beks. In this edition, Founder, Chris Beks gives us a timely reminder of 5 forgotten or often missed tax deductions and some super helpful tips for building your customer database, ensuring you have a strong and compelling vision for your business and some recommendations on good tech apps available for small businesses. Visit ceebeks.com

Welcome To Chasing The Dream! Magazine - Issue 4 by Founder and Entrepreneur - Chris Beks.
In this edition, Founder, Chris Beks gives us a timely reminder of 5 forgotten or often missed tax deductions and some super helpful tips for building your customer database, ensuring you have a strong and compelling vision for your business and some recommendations on good tech apps available for small businesses. Visit ceebeks.com


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How Not To Miss

Out On Your Tax


- Chris Beks

Tech Tools To

Drive Efficiencies

Recharge Your

Personal Batteries

The Role That

Vision Plays

- Founder, Tom Watson, IBM


Success Story

- The Muldoon Family, Hair La

Mode, Hamilton, Victoria









Welcome Message

From Chris Beks



Feature Story:

5 Forgotten

Or Missed Tax


Tech Time


But I Don’t Have A

Website... What Has

All This Got To Do 20With Me?


Customer Success

Story: Shelley &

Jason Muldoon -

Hair La Mode




Making Your Way

In The World Today

Takes Everything







A “Gold Mine” At

Finger Tips


Built To Last - The

Vision Plays ...



For Laughs






From Chris Beks


elcome to our quarterly publication which was first released in 2020 in

celebration of our 30th Anniversary of chasing our dreams and helping business

owners achieve theirs in which we promote ideas, share what we’re up to,

highlight and focus on successful ‘Chasers’ who have been part of our journey together.

This is our 4th Edition of the ‘Chasing the Dream! Magazine’ which means we are in the last throes

of the 2021 financial year - and that means half of the calendar year has gone already!

In this edition we’ll be talking about some of the key things that are changing in our marketplace so

you can take another perspective.

We’ll examine web site strategy and why it’s important, review the 4th way to grow your business

(improving your internal processes), and return to the recurring theme of turning your employees

into a team to discover a “gold mine at your fingertips.”



We’ll also review the concept of vision (when you

read this article, consider not only your vision for your

business, but your vision for your life and family as well).

We also share the excitement in this edition of the new

space we have leased at the former Fletcher Jones

Factory. This new space, christened ‘The Chasers

Hub’ will allow us to run our workshops for the

Chasers Getting Results Program, our future Chasers

Mastermind and re-invent/renew the Chasers Meet

Up - our social get together where we network with

each, hear from a guest speaker and share ideas &

experiences about our businesses whilst raising funds

for Warrnambool & District Food Share.

In this issue, we also focus on a

fellow Chaser - Shelley Muldoon from

Hair La Mode in Hamilton - and hear

about her journey and the dreams she

is chasing with her husband, Jason,

for their family.

To find out more about our Business

Program and how it can accelerate

achieving your dreams, click on the link

www.ceebeks.com/cgr/ or contact the

Team today on 03 5561 2643 The Ceebeks

Team and I look forward to helping you on

your financial journey of life and reach the

dreams that you are chasing.

By now all of our customers have had a Tax

Planning meeting to minimise their 2021

tax liabilities. Make sure that if you haven’t

reviewed your current year’s profitability

that you book in for our Tax Planning

meeting so that you don’t have to pay any

more tax than you are legally obligated to!

We’d love to talk with you and you can reach

us on our contacts right below.

Please enjoy our 4th Edition…

… to chasing our dreams, together!

Since our last edition of the magazine, I have been kept

busy with lots of education and learning. I attended a

2-Day On-line Wealth Summit, the 1-day 2021 Online

Fringe Benefits Tax Webinar, attended my monthly

Coaching Mastermind and attended my first 4-day In-

Person Conference in Sydney since February 2020 due

to COVID, to keep up-to-date with new business tech, get

some inspiration and motivation that I will share with you

all in the near future, heard from amazing global experts

and to catch up with my tribe who hold me accountable

for pushing our business forward.

Book A Free Call



Being in business can no longer be left to chance to

survive, well crafted plans - business & marketing - are

now more critical than ever, given how COVID has forever

changed the way we will do business in the future.






From Chris Beks

With the end of another financial year rapidly come towards us, we want

to share with you 5 tax deductible expenses that are often forgotten or

missed entirely by uninformed taxpayers.






For most people, super begins when you start work, and your employer starts

paying a portion of your salary or wages into a super fund for you. These

payments are known as super guarantee contributions (SGC) or concessional

(pre-tax) contributions. Super (including super guarantee from your employer),

is your money.

From 2019–20, carry-forward rules allow you to make extra concessional

contributions – above the general concessional contributions cap of $25,000

– without having to pay extra tax. The carry-forward arrangements involve

accessing unused concessional cap amounts from previous years.

So for example, if your only contributions to your super fund in both the

2019 & 2020 financial year were employer SGC contributions, of say $4,750

X 2 (9.5% on gross wages of $50,000 for both 2019 & 2020 financial years),

then in 2021 you can make an additional contribution of $40,500 i.e. 2019 &

2020 contribution caps - ($25,000 x 2) - $9,750, without penalty in addition to

maximising the 2021 contributions cap of $25,000 too!





This is one of those tips that will only save you money in the current financial

year but can benefit some small business owners. (It’s not a deduction per se,

but can help lessen your tax burden this year.)

Legitimately, hold off issuing invoices until after July 1 by delaying the

completion of the job. This puts that income into the next financial year so that

you can claim it later.





The converse to point 2 above. You can bring forward some expenses and pay

them early (before June 30) so that those expenses can count in the current

financial year and count toward those taxes.

Prepay rent, insurance, or anything else that is paid annually. (Just note that

you might have to continue doing this each year or you might end up with a

gap tax year where you don’t have these expenses at all.)





All that advertising you did this year? Claim it!

Most businesses run Google or Facebook Ads to help get customers to their

website. Even though these expenses may seem small at the time they can

add up.

Advertising is a crucial traffic driver for many small businesses, whether they

operate solely online or have a physical location. Go back and look at the

budget you set for these ads and your spends to track for taxes. (It’s also a

good time to think about how effective these campaigns were and if you plan

to use them again.)




If we want to make sure that we can get the best use of our own money

instead of giving a bigger share to the tax office, why not make a gift to a

charity that does an amazing job in our community supporting the vulnerable

and less fortunate that has really been impacted by COVID.

There are so brilliant organisations out there that could really benefit from

your generosity and in doing so you get to feel really great knowing that you

are sharing some of your good fortune and as a financial bonus, get a tax

deduction for the gift!

Just make sure that the charity is a registered deductible gift recipient to

secure your tax deduction and keep a copy of your receipt!

If you would like to know more ways to legally minimise your tax liabilities

contact our Team on 03-55612643 or email Shannae Hewett to arrange a

meeting online or in-person at shannae@ceebeks.com.




Technology is being developed at such a rapid pace

that it can be overwhelming for business owners.

We unpack several tech tools in this edition to help

get you started.



Hubstaff - for those business owners now

faced with the additional task of managing

remote workers as a consequence of the COVID

pandemic, is an easy-to-administer, featurerich,

time tracking tool. If you’re diligent about

monitoring employee behavior while on the

clock then check it out.

Canva - our go to all-in-one graphic design tool

for our presentations, social media posts, book

& launch, banners, flags and event promotions.

It simply is one of, if not the best online graphic

design tool and cpms with a very generous free

option loaded with features!

Grammarly - If you are a stickly for accuracy

in punctuation and grammar because

you want to maintain excellence in your

communication skills then you must use this

tool. For me, Grammarly Premium is worth

it. The free version is a useful tool, and better

than not having a second set of eyes look

over your writing. It will identify far more

spelling and grammar mistakes than your

typical free checker.

Lastpass - like many business owners trying

to keep track of our passwords to safeguard

their IP and customer data, we have been

using this tech tool for the past 5 years and

have had no issues whatsoever. LastPass

has been the biggest name in password

management for several years, and it’s easy

to see why. It is one of the most featurepacked

of the best password managers and

easily allows management o add or remove

passwords access to various folders,

software and other sensitive areas in your

business. We simply love this tool!

QR Code-monkey.com - We are all now used

to using QR codes for checking-in to various

venuess as part of the new post-COVID way

of life. This tool is one of the most popular

free online qr code generators with millions

of already created QR codes. The high

resolution of the QR codes and the powerful

design options make it one of the best free

QR code generators on the web that can be

used for commercial and print purposes,

and can be even be generated in colour and

incorporate your logo!








H community

air La Mode was born in 1994 to Shelley & Jason Muldoon at a time when becoming

self employed felt rather premature, both 24, heavily invested in sport and the

but quietly determined to explore this path & where it may take them.

Shelley had completed a four-year masterclass from two of Australia’s finest stylists, along with

some brief management which gave her a sound toolkit.

The reality of fifty plus hours on the Salon floor doing what Shelley loved was doable and Jase

adapted very well & happily to the administration side of the business as he was employed full time

as an Optical Technician. It was this toolkit that gave the couple confidence to invest in others.



However, after ten years of substandard

financial reward for their efforts, it was

time for change.

On recommendation they met with

Ceebeks Business Solutions and

almost immediately they could visualise

happiness, security & hope for their family,

now including Georgia & Olivia.

Their assistance has accelerated and

quickly brought forward our vision of

operating from our very own premises and

being in control of our future.

Chris, Ange and their 3 beautiful daughters

have a unique way of making you feel like

family & they now enjoy a harmonious

business relationship aligned with trust,

respect & friendship.

Hair La Mode trained

and employed many

wonderful humans over

the years, empowering

& investing in the

dreams of many.

Recognising the need to change pace &

the importance of cleaner air for everyone,

Hair La Mode partnered with AVEDA.

Together with these wonderful business

partners Hair La Mode looks forward to a

bright business future providing beautiful

Haircare to Hamilton & Regional Victoria.






You already stand out from everyone




A You

and services, people who want what you’ve got and appreciate

that you offer value for money.

And yet, each and every day, we DO deal with so many of these

very same people. Those people are called your customers, as

well as soon-to-be customers who have made inquiries.

Your customer database - a detailed list of customer names,

personal details, and, in some cases, spending patterns

and other information - is so important to the future of your


s a business owner or manager, you’re

constantly looking for people to sell to.

know, people who match your products

Customers will be more interested,

curious even, to find out why you’re

contacting them.

You’re already “in,” if you like!

In addition, contacting

a person one-on-one

means that you no longer

compete with all the other

mass marketing forms out

there, such as television,

radio, print, and so on.

Essentially, contacting

someone personally means

that your business breaks

through the clutter of all

the other marketing your

customer is bombarded

with on a daily basis.

Why, then, is the opportunity to tap

into this huge resource as a marketing

method lost time and time again?

Being a “known quantity” gives you the edge. Marketing directly

to your existing customers gives your business an edge. You

see, if someone has purchased from you before, they know you.

Is it because we feel we’re already

too busy to add anything else for that




Is it because we don’t know how to capture the

all-important customer details needed to make this

asset work for our businesses?

For the most part, we don’t set up systems like this

because it seems more important (and sometimes

easier) to concentrate on continually pursuing new

prospects, instead of tapping into the hottest list in

town - your existing customers!

(If you already have a customer database and a

process to continually build that database, bear

with us. You might find out how to improve it and

just what it could mean for your business.)

All it involves is a few easy-to-ask questions about

the customer’s name, address, phone and e-mail to

build basic database information.

You can also ask questions to track other important

information, such as the source of your inquiries.

(This in turn can help you make better decisions

within the framework of your marketing budget.)

For example: “And before you go, can

I just ask, how did you hear about us?”

Or “How many people do you think

will be using the [product or service]


Other information you can note could be what was

purchased for what cost, and their gender and

occupation if you know it.




Gather names and other details from every single

customer (or soon-to-be customer) to create your


From there you ask questions that help you glean

a better understanding of your customer profile –

age, income, spending patterns and so on.

Other ways to capture this information is via

prize draws. Offer to give away something your

customers would love to have, and ask your

team members to encourage every customer to

complete an entry form. That can make it fun too!

In doing so, you’ll be building your most valuable

asset. In fact, an asset so valuable it can be sold.

Here are some useful techniques...

Call our office on 03 5561 2643 to

schedule a chat

Many business owners shy away from creating a

customer database as a tool, thinking it will be too

difficult. Actually, it could make your life much easier.







“Built To Last — Successful Habits of Visionary Companies” by James

Collins and Jerry Porras, is one of the best books ever written (at

least we think so!) on the importance of vision in building a lasting,

successful business. There is little doubt that your starting point to

growing your business must be the vision you have for its future – the

way you want your business to be when it’s done, so to speak.




rofit goals, staffing needs, what kind of

lifestyle you’d like it to achieve for you

and more.

How clear you are all on that is critical. Refer to the

last edition’s article titled: ‘Working Backwards Takes

You Forward ...What?’

From there your success may be measured by how

well you are able to communicate that vision to the

people who will be helping you achieve it - your team

- and how committed you are to having them and

yourself work on building your business as well as

serving your customers.

Here’s what the owner of what once was a small

business has to say about becoming successful:

“IBM is what it is today for three special


The first reason is that, at the very beginning,

I had a very clear picture of what the company

would look like when it was finally done. You

might say that I had a model in my mind of what

it would look like when the dream - my vision -

was in place.

The second reason was that once I had that

picture, I then asked myself how a company that

looked like that would have to act. I then created

a picture of how IBM would act when it was

finally done.

In other words, I realised that for IBM to

become a great company it would have to

act like a great company long before it ever

became one. From the very outset, IBM was

fashioned after the template of my vision.

And each and every day, we attempted to

model the company after that template. At

the end of each day, we asked ourselves

how well we did, discovered the disparity

between where we were and where we had

committed ourselves to be, and at the start of

the following day, we set out to make up the


Every day at IBM was a day devoted to

business development, not doing business.

We didn’t do business at IBM, we built one.”


Founder - International Business

Machines (IBM)

Call our office on 03 5561 2643 to

schedule a chat


The third reason that IBM has been so

successful was that once I had a picture in place

of how IBM would look when the dream was

in place, and how such a company would have

to act, I then realised that unless we began to

act that way from the very beginning, we would

never get there.











Yet it is critical because, even at a minimum, web sites

are like business cards these days (although they can be

far more than that) in that they represent your business

to the world at large.

f you’ve been watching the news

and reading the papers, and finding

Iyourself continually asking this

question, you may need to rethink your


Although building a web site can seem

incredibly foreign to most of us, it really

isn’t that difficult or expensive.

Even if you’re thinking “our business is locally-based,

how can the ‘World Wide Web’ really be relevant to me?”

Read on because that could be misleading. Think of it

this way, if you don’t have a web site, chances are your

competitors do.

Let’s take a look at some numbers to examine just what

that could mean to you.



COVID has ensured that the future of social

communications will be shaped by an alwaysonline

culture. We were all forced to use technology

whether we liked it or not to keep our businesses

operational, our team members together and

our distant family members in contact, as a

consequence. Always online is already here and will

set the trend going forward. Total connectivity, the

Internet you can take with you wherever you go, is

growing unstoppably. There is no turning back for

global digitalisation.

Innovation is the driving force of growth and

progress, so we need to shake up entrenched

processes, products, services, and industries,

so that all of us together - including established

businesses, reacting to their emerging competitors -

can move forward together.

As smartphones and other

internet-connected devices have

become more widespread, 31% of

U.S. adults now report that they

go online “almost constantly,” up

from 21% in 2015, according to a

new Pew Research Center survey

conducted Jan. 25 to Feb. 8, 2021.

Innovation is shaping and will continue to shape

the future of social communications. It is already

a reality that Internet connections are increasingly


The Internet has turned our existence upside down.

It has revolutionised communications, to the extent

that it is now our preferred medium of everyday

communication. In almost everything we do, we use

the Internet. Ordering a pizza, buying a television,

sharing a moment with a friend, sending a picture

over instant messaging.

Overall, 85% of Americans say they go online on

a daily basis. That figure includes the 31% who

report going online almost constantly, as well as

48% who say they go online several times a day

and 6% who go online about once a day. Some 8%

go online several times a week or less often, while

7% of adults say they do not use the internet at all.

Before the Internet, if you wanted to keep up with

the news, you had to walk down to the newsstand

when it opened in the morning and buy a local

edition reporting what had happened the previous

day. But today a click or two is enough to read your

local paper and any news source from anywhere in

the world, updated up to the minute.







The study also showed how and why businesses

intended to use the web. Considering how your

competitors are using it could give you the answers

you need.

For example:

Of those small businesses surveyed,

69% said they were going to use their

sites to promote to their prospects –

aren’t your competitor’s prospects your

prospects too?

57% of all businesses said they were

going to conduct e-commerce through

their sites. Given that customers

place a high priority on convenience,

being able to purchase online is

very appealing and could mean the

difference between you and your

competitor – local or otherwise.

48% were going to use their sites to

improve customer service. A study

conducted by the ‘Technical Assistance

Research Program’ asked why people

stopped doing business with a particular

business. The results showed that 68% of

customers do so because of “perceived

indifference” towards them or simply

translated, the “quality of service” they

receive. Businesses that are focusing on,

and improving, customer service through

their web sites are going to be a cut ahead

of you, if you don’t do the same or better!

46% said they were going to use their site

specifically for business competition –

that means going head to head with you.

11% said they were going to

use their website for employee

communication as a place to

share information and keep team

members working together.

Given that your customers then see the web as a

very real part of their lives, and your

competitors are using it in a number of ways to

take business away from you - what’s

your web strategy going to be?

Call us today to discuss how we can help you

develop and build your own robust web presence

and a site that produces leads while you sleep!

Call our office on 03 5561 2643 to

schedule a chat









hen you look around the world today with all of the changes we’re facing - web

sites, e-commerce, new ways of living, new ways of doing business, new ways

of communicating, new ways of educating each other, higher standards of living

with yet longer work hours, even a new decade - it’s easy to become distracted.

Sometimes we become so focused on keeping up, staying competitive, adapting to these changes

and moving ahead we can forget the fundamentals and miss the point. So much so that we can

ignore some of the most important aspects of our lives, aspects that can actually enhance our

business lives.






And very often it’s our time away from

work – recuperating and enjoying the

fruits of our labour like great food,

great people, holidays or even just a

great night’s sleep – that truly keeps

us going.

Another great way to keep getting “recharged” is

to make sure the most important people in your

life – partners, spouses, children, extended family

and friends understand what you are attempting

to achieve in your life and how your business acts

as the medium for achieving those goals.

Think honestly about this example for a moment.

You’ll find when you do that, they’ll rally behind

you even more.

Do you ever keep working when you know you’re


You work on something for hours and hours trying to

solve the issue with little to no progress. But you think

“I have to get this done tonight.” So you keep struggling

through, only to find that you fall asleep at your desk

with no results.

Compare that to when you’ve said “that’s it,” put

yourself to bed, and told yourself you would find a

solution in the morning when you felt more energised.

Didn’t you find that the same problem takes less than

half the time and seems so much smaller?

This could range from introducing you to people

they know that could be important to progressing

your goals, to importantly giving you the support

you need when the pressure is on.

So be sure to involve the people around you in

your goals, and remember to stop and smell the

roses to keep that battery charged! A balanced

lifestyle makes for a better quality of life, thought

and success.

In the long run it might mean your goals take

a little bit longer to achieve, but at least you

will have enjoyed the journey as much as the


Of course we’re going to be more productive when

we’ve spent quality time relaxing or enjoying time

with family and friends. Our health, social lives and

the interactions we have with the people who are

important to us can keep us motivated and full of life;

appreciative of what we have and what we’re working


Think of yourself as a battery.

Like any battery, you have to keep charged up!

Remember, balance brings results!

Call our office on 03 5561 2643 to

schedule a chat







A large two-engine train was crossing the country. After they had gone some distance,

one of the engines broke down. “No problem,” the engineer thought and carried on at

half power.

Farther on down the line, the other engine broke down and the train came to a


The engineer decided he should inform the passengers about why the train had

stopped, and made the following announcement, “Ladies and gentlemen, I have some

good news and some bad news. The bad news is that both engines have failed, and we

will be stuck here for some time. The good news is that you decided to take the train

and not fly.”



An elephant was drinking out of a

river one day, when he spotted a turtle

asleep on a log. So, he ambled on over

and kicked it clear across the river.

“What did you do that for?” asked a

passing giraffe.

“Because I recognised it as the same

turtle that took a nip out of my trunk

53 years ago.”


“Wow, what a memory” commented

the giraffe.

“Yes,” said the elephant, “turtle recall”.

The loaded mini-van pulled in to

the only remaining campsite. Four

children leaped from the vehicle and

began feverishly unloading gear and

setting up the tent. The boys rushed

to gather firewood, while the girls and

their mother set up the camp stove

and cooking utensils.

A nearby camper marvelled to the

youngsters’ father, “That, sir, is some

display of teamwork.”

The father replied, “I have a system:

no one goes to the bathroom until the

camp is set up.”




Office - 25 Banyan Street,

Warrnambool, 3280

Ph: (03) 5561 2643











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