About Angus Jones

Angus started his first small business in 1989 and has since gone on to have a successful career in marketing. He realised although there were many websites for small business none was addressing the question of how to. Angus has a passion to articulate benefits that add value to customers/readers.

D-Link small business Wi-Fi access points

D-Link A/NZ has launched four new high-performance Nuclias Cloud-Managed Wi-Fi 6 Indoor and Wi-Fi 5 Wave 2 Outdoor Access Points, enhancing Managed Service Providers’ device offerings built upon the Nuclias Cloud Network Management platform. With the latest in Wi-Fi technology combined with the unparalleled visibility and manageability that the Nuclias Cloud platform provides, MSP’s and end-users alike can now enhance their offering and their Wi-Fi networks with these new additions to the Nuclias Cloud device range.

Nuclias Cloud makes all aspects of network management easy through a highly powerful centralised system. Tasks such as segmenting the network, managing multiple devices simultaneously, enforcing security policies and monitoring live network statistics remotely can be done anytime, anywhere, across single or multiple sites.

DBA-X2830P

The DBA-X2830P is empowered with next generation Wi-Fi 6. Enhanced MU-MIMO with even more uplink and downlink streams serves more devices simultaneously. OFDMA dramatically increases transmission efficiency and 1024-QAM packs even more data, bringing unadulterated speed increases of a searing 25%.

Wi-Fi 6 leverages all these features and more to create Wi-Fi with unparalleled performance.

The DBA-X2830P Nuclias Cloud-Managed Access Point is deployed as a pre-managed, zero-configuration Access Point. No need to send out your most experienced engineer for every installation. With Nuclias’ Zero-Touch Deployment, you can power-up the Access Points on site, plug them in, and remotely set up and manage them through Nuclias Cloud.

The DBA-X1230P is fully prepared to handle all day-to-day demands of SMBs. Equipped with Wi-Fi 6 and turbocharged speeds, plenty of bandwidth and simple central management make it the ultimate booster in productivity.

DBA-X1230P

The DBA-X1230P also enjoys the power and functionality of D-Link Beamforming Technology, OFDMA, the latest 802.11ax MU-MIMO technology with two spatial streams and 1800Mbps combined throughput enabling it to click through congestion offering all users a better Wi-Fi experience and making it ideal for busy offices or places with users often on the move.

The DBA-X1230P’s Power over Ethernet functionality allows for easy installation and a simple, clean setup. No need to run extra power lines, no added hassle when configuring your wiring and no more cable clutter makes it perfect for advanced installations in areas where power outlets are not readily available.

Busy businesses need exceptional connectivity outside as well as in, and often in harsh conditions. The DBA-3621P is built with that in mind, with an IP67-rated water and dust resistant housing designed to keep your Wi-Fi working, no matter the conditions. Packed with connectivity features to keep data flowing fast — up to a soaring 1267Mbps — even at the busiest of times.

DBA-3621P

The DBA-3621P Nuclias Cloud-Managed Wave 2 Access Point is also deployed as a pre-managed, zero-configuration Access Point, enjoys complete control when combined with the Nuclias Cloud management platform and the DBA-3621P’s Power over Ethernet (PoE) support allows for easy installation and a simple, clean setup.


The DBA-3620P is a Nuclias Cloud Managed AC1300 Wave 2 Outdoor Access Point that is deployed as a pre-managed, zero-configuration Access Point also controlled through Nuclias Cloud. This new Access Point comes in a robust IP55 rated housing that easily enables it to be installed outdoors.

DBA-3620P

The DBA-3620P easily expands a business’ wireless range and coverage for outdoor applications especially highly dense environments, such as universities or luxury hotels. The Access Point also features convenient remote deployment, system configuration, and ongoing site analytics via the compatible Nuclias Cloud app.

Availability and pricing

The new Nuclias Cloud Managed Access Points are available now from www.dlink.com.au, and from all authorised D-Link partners for the following RRP:

DBA-X2830P – AUD$1249.95
DBA-X1230P – AUD$629.95
DBA-3621P – AUD$949.95
DBA-3620P – AUD$499.95

Small Business Answers have a guide on improving your Wi-Fi.

Sacrifices Aussie small businesses make

  • Top sacrifices made by small businesses include reducing the number of takeaways (62%), dipping into savings (60%) and cutting back on key grocery items (50%)
  • 5.4 – the astounding average equivalent job roles a small business owner completes themselves
  • Almost half (45%) of small business owners identify as SOOs (Sole Owner Operators)
  • 71% believe their sacrifices have been worth it or will pay off in the long run

More than 1.1 million Australian small business owners have made significant sacrifices in the past year to keep their business afloat. Cutting back on small pleasures like takeaway (62%), dipping into hard-earned savings (60%) and scrimping to reduce utility bills (48%) are all steps these small business owners have taken in the past year to keep their dreams alive. Commissioned by Vistaprint, the national survey delves into the reality of life on the hustle during the tough pandemic year and shows that while the majority of small business champions have been doing it tough, most (71%) believe the personal sacrifices made have been worth it or will pay off in the long run. 

According to the research, around two in five (38%) small business owners who have made significant sacrifices have taken on additional work. In comparison, one in five (18%) borrowed a significant amount of money from a friend or family member. In addition, some small business owners have made significant life choices by re-mortgaging their house (5%) or putting off having kids (5%).

Speaking about the Vistaprint Small Business Recovery Report, TV presenter, author and small business founder of SWIISH, Sally Obermeder, said: “The past 12 months have been like no other for small business owners Australia-wide, and Vistaprint’s research certainly reveals the grit, determination and support entrepreneurs need to thrive. It’s great to see also that in spite of all the challenges these COVID-19 times have thrown at us, more than half (52%) of entrepreneurs would still encourage other aspiring business owners to give it a crack. 

“Personally, I’ve had to rapidly adapt and alter several aspects of my own business in order to keep it moving forward, and essentially be ready for anything – wearing lots of hats and staying nimble. 

“Vistaprint’s report shows that small business owners are now regularly fulfilling 5.4 job roles to drive forward their company – from Customer Service and Sales, to Finance Management, Planning & Strategy and Marketing. And over a third (38%) have upskilled to keep their business going. This is certainly something I can relate to, but I’ve learned it’s also important to seek support where you have skill-set gaps and work with partners to achieve your potential.”

Almost half (45%) of small business owners surveyed identified as “SOOs”, a new term coined for sole owner operators. Another popular term was Owntrepreneur (30%), a hybrid term which lends itself to the responsibility, flexibility and all-encompassing nature of being a small business owner.

With a third (32%) of respondents highlighting marketing as one of their biggest challenges in the past year, a third (33%) noting financial support as a main struggle, and one in 10 (10%) calling out design as their key pain point, Vistaprint is launching 99 days of design – a global initiative to empower 99 small businesses around the world with financial support and refreshed design identities on the heels of a challenging year. 

Within Australia, six businesses will be selected to each receive a refreshed brand identity and marketing materials, as well as a $15,000 AUD financial donation to help their business be ready for anything during this unprecedented time of change.

“We know how powerful great design can be in fueling success for small business owners but our research shows it is often an area small Aussie businesses struggle with,” Vistaprint Australia CEO Marcus Marchant said. “Matching entrepreneurs with the right creative talent is where the magic happens when it comes to building a brand and growing a business. Through 99 days of design, we’re excited to support businesses in this space and help them on their road to recovery, sharing these stories of global creative connection and collaboration with the world.”

Small business nominations will be open from 15th June and close at midnight (AEST) on 25th June 2021. A panel including Vistaprint CEO Marcus Marchant, 99designs by Vistaprint CEO Patrick Llewellyn, alongside entrepreneurs Twice Blessed and artist Rachael Sarra will help select the six successful businesses. Those wanting to get involved can nominate themselves or be nominated by someone else via vistaprint.com.au/mlp/99-days-of-design.

Top 10 Sacrifices made by small business owners who made sacrifices in the past year:

  1. Cut back on dining out/buying takeaway food and coffees (62%)
  2. Dipped in Savings (60%)
  3. Cut back or stopped buying expensive snacks and drinks in our grocery shopping (50%)
  4. Made a conscious effort to reduce use of electricity/gas to save on utility bills (e.g. used appliances during off-peak times, reduced/stopped using heater/air-conditioner/clothes dryer) (48%)
  5. Gave up entertainment and shopping subscriptions (40%)
  6. Taken on additional work (38%)
  7. Started making meal plans and changing the way we shop for food to reduce food wastage (38%)
  8. Borrowed a significant amount of money from a friend or family member (18%)
  9. Gave no Christmas or Birthday presents to whole year (16%)
  10. Put off wedding, large birthday party or similar big event (14%)

Mobile Phone Plan for small business

I’m sure you have had a mobile phone plan for years and have a pretty good idea of how it all works.  In business, your phone becomes a critical tool that must be operational to keep the lights on. What are the differences between a personal plan and a business plan? This guide will help you understand what you should consider before signing up to a mobile phone plan for your business.

One thing for sure is plans change constantly. With around 30 companies offering mobile phone plans there is a lot of choice.  If you are a Sole Trader a personal plan may give you a better deal but if you have 10 phones in your business a business plan may be better.

WHY should I consider a Business Mobile Phone Plan?

A well-chosen plan will not only save you money but ensure you have the services to help you facilitate your business when you need them. For example if you have 10 phones you can have them on one bill reducing your administration.  A business plan might allow you to share a data pool between your workers allowing you more flexibility.

WHAT you need to know about Mobile Phone Plans

In Australia there are 3 physical mobile phone networks owned by Telstra, Optus, and Vodafone. However there are many Mobile Virtual Network Operators (MVNOs) who resell the offerings of the physical networks. You should take the following into account:

  • Network Coverage – Australia is a big country and mobile phones will only work where the main population lives. Does the provider offer the coverage you need where you need it?
  • MVNO coverage – Some MVNOs may not have full access to the coverage from their network provider. If you are expecting the same coverage in a rural area you may be disappointed!
  • Price – Normally expressed as how much you pay per month.  Note some prepaid offers might be for a 28 day period which equates to 13 periods a year instead of 12. Thus a lower ‘monthly’ price may actually add up to a higher amount than you expect over a year.
  • Phone plans – Normally means a new phone comes with your plan with its costs built into your subscription fee.  There are different ways the network operators do this and may involve subsidies on their part or even a separate lease with conditions like returning the working phone at the end of the agreed period.
  • Handset choices – Allows choice of different model handsets as part of your Mobile Plan.  The more expensive the handset the more your subscription is likely to be. Be sure to read our essential guide on Mobile Phones.
  • Sim Only – A Sim is a small chip transferable between mobile phone handsets that has your phone number associated with it.  A Sim-only plan means you do not get a handset with your subscription.
  • Contract – Or no contract refers to your ability to change network providers.  If you have a contract for 3 years you are locked into your payments unless you pay an exit fee.  This is normally associated with a handset where they must recoup its cost.
  • Post Paid or Prepaid – As a small business we would expect you would have a postpaid account where you pay monthly as opposed to a prepaid or pay as you go account.
  • Data allowance – Accessing the internet from your phone is critical in the business world. Your allowance relates to how much data you have to use in your subscribed period. If you go over your allowance you will pay a high price for excess usage.
  • Talk and text allowance – Most plans have moved to unlimited but refer to the number of talk minutes and the number of text messages included in your subscription.
  • International call inclusions – If you have overseas suppliers an inclusion in your plan could be a big money saver.  Check how many minutes are included in your subscription and to what countries?
  • Roaming inclusions – If you travel overseas normally your plan will not allow you to make calls or use data using your Australian subscription allowance.  You can still make calls but it can be expensive. Check if there is any inclusion or special deals available.
  • 4G or 5G – This refers to the technology behind how your calls and data are sent and received. The key benefit is the bigger the number the faster the data will be.  Note this is not your allowance but rather how quickly you can download a large file.
  • Value add  – Some providers might offer music or video streaming services as an inclusion, for example, sports streaming.

HOW do I make a decision on a Personal vs Business Mobile Phone Plan

Now you understand the factors you need to consider you must decide between the vast range of available business and residential mobile phone plans.

Personal plan benefits:
  • A sole trader or a business with only a few staff may find a residential plan is cheaper
Business plan benefits:
  • Normally allow a single bill for all accounts making it easier to process and compare users
  • Data allowances may be able to share across all users
  • The provider might do you a volume discount
  • Customer service is normally better, for example, shorter queue times
  • Bundling discounts across other services like fixed internet
  • Special insurance plans to keep phones operational

HINTS

If you’re a sole trader, you can use a personal mobile plan and claim work-related mobile use as a tax deduction.

 If your business is registered as a company, trust, or partnership, you should check with your accountant or bookkeeper. In general the ATO expectation is you can only claim the proportion the phone has been used for business purposes.

 Many people carry two phones, one for personal use and one for business, which is a personal choice.  You may wish to keep your lives separate or just have one number for both.  Indeed many mobile phone handsets are capable of what is referred to as dual SIM.  This means one phone can hold two SIM’s meaning two phone numbers (two Mobile Phone Plans) so you could still have the flexibility of a personal number and a business number but only carry one handset.

SUMMARY – three reasons to choose

To summarise if we were to pick three factors in how you make your decision we would recommend you consider coverage, data inclusion, and value for money.

You can find further information on current best value plans visit our sister site, Gadget Guy. A 12-month prepaid SIM-only plan may give you the best value from only a few dollars a week.

Canon Grants Program for small businesses

Canon Oceania is today opening submissions for its 2021 Grants Program for small business. As the ramifications of COVID-19 continue to impact Australian businesses, Canon’s Grants Program includes a small business category and increased cash donations for the second year running.  

In the spirit of our guiding philosophy of Kyosei – which means living and working together for the common good. Over the last 15 years, Canon Oceania has supported more than 75 schools, not-for-profits and community groups with more than $420,000. 

Australian communities and organisations have been significantly impacted by COVID-19. As the JobKeeper program has drawn to a close, it’s important for us to get behind small businesses and support their shift from survival to recovery mode,” said Akira ‘Dave’ Yoshida, Managing Director, Canon Oceania.  

Last year, we extended our Grants Program to include small businesses for the first time, and we were thrilled to see the positive impact this delivered. Looking ahead, it’s imperative that small businesses not only adjust to the ‘new normal’ but are set up for success in the future. We’re committed to helping our local business community navigate a COVID-19 world.” 

That’s why Canon is once again including a Small Business category in its Grants Program.  

Winners will also be selected from two additional categories: Community, which is open to organisations ranging from not-for-profits to grassroots groups and environmental causes, and Education, which is available to schools and other educational centres for children and adults alike. Winners will be selected based on the strength of their initiative and the impact it will have on their community or business.  

Each Grant recipient will receive $5,000 in cash and Canon products, ranging from cameras and printers to projectors and other accessories. This year the value of the Grants will be equally divided between cash and equipment – $2,500 each – reflecting organisations’ greater need for cash to help rebuild themselves in a weaker economy (where the split before 2020 was $1,000 in cash and $4,000 in products).  

Mr Yoshida continued: “At Canon, we believe the Kyosei philosophy is something we live and breathe every day, so we’re pleased to continue supporting small businesses as they take the important next steps towards recovery.” 

The winner of the 2020 Small Business Grant was Dogs for Kids with Disabilities, an organisation that raises and trains assistance and therapy dogs for children whose everyday activities are restricted by emotional, physical and intellectual challenges. They used their prizes from the Grant to create videos that drive awareness of their work among the wider community. This awareness has been imperative in helping Dogs for Kids secure sponsors so that they have the means to continue their important work for children with disabilities.  

“The Canon equipment has been wonderful in enabling us to create educational videos to promote the work of our amazing volunteers, staff, families and of course, our incredible dogs,” said Tracey Harris, Chair and Board Member.    

“Educating the community and attracting new sponsors has been critical during the lockdown period. At the same time, it’s been very rewarding to connect with our community through the love of assistance dogs. For any small business in need of support – big or small – I encourage you to apply for Canon Oceania Grants.” 

Telethon Speech and Hearing, an independent school offering therapy services for children with hearing loss and speech delays, was another worthy 2020 winner. Their Grant was used to develop a ‘mobile pack’ to facilitate teletherapy sessions. 

“During lockdown, the prize money and cameras from the Canon Grant allowed us to facilitate online delivery of high-quality learning to families in remote Western Australia,” said Mark Fitzpatrick, CEO.  

“A highlight has been providing children in our Chatterbox Program (aged 0-5) and their families with access to specialised teachers, regardless of their location. Thanks to Canon, we’ve been able to conduct virtual intervention, ensuring that distance isn’t a barrier to quality support for children in the early years of development.” 

Furthermore, the winner of the 2020 Community Grant, Action for Dolphins, is working to stop cruelty and gain legal protection for dolphins. The organisation is using equipment supplied by the Grant for everything from recording evidence of animals trapped in underwater nets to capturing interviews with experts. 

“We were lucky enough to receive the Canon Grant which enabled us to create a video warning against illegal handfeeding of Dolphins on North Stradbroke Island,” said Hannah Tait, CEO.  

“The video was displayed on the ferry to the island, educating visitors as well as our local community about how to end activities that harm marine life.”  

The 2021 Grants will be awarded under the following categories: 

  • 1 x Small Business Grant – AU$5,000 
    Open to any for-profit entity that employs fewer than 20 people and have less than AUD 10 million aggregated turnover (according to ABS and ATO guidelines). 
  • 1 x Community Grant – AU$5,000 
    Open to a range of organisations keeping their community at the heart of what they do, ranging from not-for-profits, to grassroots groups and environmental causes. 
  • 1 x Education Grant – AU$5,000 
    Open to schools and other educational centres for children and adults alike. 
  • 1 x Runner-up Grant – AU$1,000  
    A runner up will be selected from any of the categories above. 

Submissions are now open until Friday 30th July. The wider community will vote on finalists in August, and winners will be announced in September. Mark your diaries!  

More information can be found in Small Business Answers guide to grants

Storage and sharing of files

Emailing copies of files around an office environment just does not make sense especially if they are large ones. In this guide we will discuss what are your options for storage, backup and sharing files in small businesses and lead you through what you should consider in making your decision.

File sharing is the practice of distributing or providing access to computer files, multimedia (audio, images, and video), documents, or electronic books. Common methods of storage, transmission, and dispersion include manual sharing utilising removable media such as a USB stick or portable hard drive, file sharing server on a computer network, and cloud-based storage platforms on the internet.

WHY do I want a File Share Storage Solution?

You may wish to share files in your office, to your clients, or on the other side of the world. It is most likely to be a document being worked on by many or a large document that is too large for email. Parties with access may or may not have the authority to edit the file.

Even if you do not want to share files, having separate storage available is great for an individual to store files when they start to run out of room on their PC.

WHAT do you need to know about File Sharing and Storage Options?

There are 3 main types of storage that a small business is likely to consider:
  1. USB memory stick or portable hard drive – portable storage that plugs into a USB port on your PC.
  2. File Sharing server – Data storage box located on your network (Be sure to read our essential guide on Networks)
  3. Cloud-based storage – Data storage provided by a 3rd party and accessed through the internet (Be sure to read our essential guide on Cloud-based services)

File sharing is bad when the wrong person gets hold of a file that they should not have and as such you should ensure you have the appropriate security measures to stop unauthorised access.

Advantages and Disadvantages:
  • USB memory stick
    • Advantage: Cheap and does not require internet or networking, very cheap
    • Disadvantage: manual and requires to be physicaly moved between devices, fixed capacity
  • File Sharing Server
    • Advantage: No monthly fees, instant access over network and or internet, high-speed transfer especially on the same network, functionality can be combined with other applications on an in house server
    • Disadvantage: upfront cost and set up, data could be lost if not backed up properly, additional capacity requires additional or larger hard drive to be installed
  • Cloud-Based Storage
    • Advantage: no hardware required, predictable monthly fee, increase capacity by paying more, access from anywhere
    • Disadvantage: Speed limited to internet speed, you rely on storage vendors security and backup unless unlimited, uses your internet download allowance, ongoing fees

HOW to make a decision between Cloud Storage vs NAS File Server?

Considerations when buying a file server:

A file server also called a NAS (network-attached storage) is a computer designed specifically to share files and can be provided by an IT specialist or even bought off the shelf at Officeworks.  It will plug into your office network by ethernet cable or potentially by wifi.

  • Is it plug and play – just works once you connect it?
  • Will it support a backup solution preferably offsite? (Be sure to read our essential guide on Backup)
  • Do you want it to connect to a cloud service for extra capacity or backup?
  • Does it have a USB port for simple backup?
  • What size and speed of hard drives?  Normally expressed as TB or terabytes.
  • Does it have spare drive bays to add additional hard drives?
  • Will it work with Windows and Macs?
  • Does it support redundancy?  This could be a 2nd power supply or duplication of the same data on 2 disks. This means if one fails you are still up and running without needing to go to your backup.
  • Can video surveillance footage be plugged directly in?
Considerations if choosing a Cloud-based Storage solution:
  • Key players in this space include Google Drive, Microsoft One Drive, iCloud, and Dropbox all of which offer a small amount of storage for free and then charge a monthly fee based on capacity required. What will be your cost?
  • What do you want to store here and is that something you want as a policy in your business?
  • How much storage do you need? (Allow min 1TB per person – more if you deal with large files)
  • Is there a file size limit? For example, individual file no bigger than 10GB
  • Cloud vendors may offer you value add services like productivity tools. What are they and are they of any use?
  • What guarantees do they provide around the availability of service? For example, they may say that your data will be available 364 days meaning up to 1 day a year it might not.
  • What security do they have in place?
  • How do you authenticate an individual is allowed access? (passwords etc)
  • Is there a backup strategy? How many previous versions of a file are backed up and can still be accessed?
  • How fast can you upload or download files? Is that speed equal to the speed of your internet plan?
  • Can files be automatically synced between a PC in the office and the cloud storage?
  • How does it integrate with your operating system (e.g. Windows) and browser (e.g. Google)?
  • Does your main business application integrate automatically?  For example, the CAD design software AutoCAD will integrate with OneDrive allowing seamless sharing of this drafting tool.
  • Where is the storage located?  Is it Australia or overseas?
  • What customer service and support is available?

HINT

Be sure to read our essential guide on Backup to ensure that if you have a disaster you can recover from it!

Reviews of simple storage devices can be found by visiting Gadgetguy

A good comparison of cloud storage vendors can be found here:
Techradar

SUMMARY – Easy File Share Solutions

A modern small business will need some sort of file sharing facility and with modern technology, it is easy to do.  This will make you more collaborative with your staff, for customers and your suppliers. It will also save you time, money, and stress.

Cybersecurity challenges in the new normal!

2020 will be remembered for many things. And while many global communities still face enormous challenges, an important legacy of the pandemic is the acceleration of what was considered futuristic technology into mainstream adoption.

Almost overnight, our homes were turned into offices, classrooms, gym studios and social spaces, pushing technology reliance to a new level. All the evolution fostered over the past 30 years was incorporated at a broad scale and almost overnight. From video conferencing and streaming to massive eCommerce adoption and, even further, incredible digital tools for business management, healthcare and schooling, it all became essential in the ‘new normal’.

As we all adapted to this new reality, companies of all sizes began to see remote work as a new opportunity for the future. A recent Gartner CFO survey revealed that over two-thirds (74%) plan to permanently support employees working from home after the Covid-19 crisis ends.

Unfortunately, the new world of remote workforces drove a surge in cyberattacks and the risks continued to grow way into 2021. Check Point Software Technologies, a leader in cybersecurity solutions globally reported a 24% increase in cyberattacks in Australia.

During the Jan-Feb period of 2021, Check Point Research revealed each Australian organisation faced an average of more than 1,500 cyberattacks monthly compared to the previous four months, no organisation was spared. Check Point Research data also reported Australian SMBs experience an average of 50 cyber incidents each month, with 63% having accessed a malicious website in the last 90 days.

Are you prepared to conduct your business safely over the internet in this new world? There are many ways to transform challenges into opportunities.

How did this happen?

Both employees and businesses also faced numerous challenges with this new work-from-home environment. Suddenly, devices were being shared between different family members, homes had low complexity passwords to their Wi-Fi networks, and business data was being spread everywhere.

SMBs had it harder, but the lack of cybersecurity best practices and policies cannot be ignored. In fact, most institutions still rely on cybersecurity technology that dates back to the 2010s – what we call Generation III security that’s based on intrusion prevention systems (ISP).

For those unfamiliar, the First Generation of cybersecurity tools dated to the late 1990s and mainly comprised anti-virus software. In the early 2000s, the increased use of the internet drove the creation of firewall platforms evolved (Gen II). Since then, technology developed faster: around 2015, it incorporated behavioural analysis (Gen IV). Over time, detection-only based solutions stopped being enough against fast-moving attacks, which led to the current multi-vector prevention approach (Gen V) we see today.

Many Australian businesses only have third generation security deployed but this outdated technology can be just as dangerous as not having security at all. This is largely because the architecture in previous generations (i.e Gen III and IV) can’t protect against 5th generation attacks on today’s IT devices and networks.

The Covid-19 pandemic and the working-from-H\home necessitated that companies need to reconsider their cybersecurity approach. So how can businesses bridge this security gap?

Adopting a new mindset: Prevention vs (attempted) Remediation


Adopting to a preventative mindset will help improve your security posture. Here’s an easy guide to help you get started:

  • Make it Secure – the longer it takes to identify and deal with a cyber-attack, the bigger the cost to business; this is why it’s crucial to prevent threats in the first place. By taking a proactive approach to cybersecurity, you are closing the security gap and protecting yourself against the rapidly evolving and expanding threat landscape.

  • Implement Automation – automating your security policies can help you better manage and prevent cyberattacks, this is especially true for small businesses that don’t have the human resources or skills to navigate cybersecurity challenges. At Check Point, we provide businesses with automated security checks to help identify the gaps and assess the best solutions.

  • Make it Simple – cybersecurity doesn’t need to be daunting. Easy plug-and-play tools such as Check Point Quantum Spark SMB can be an affordable, all-in-one solution to help protect your business from the latest security threats.
  • Apply Integration – it is important to look at your systems from a holistic perspective, protecting servers, cloud applications, front-end computers, employees mobile and other devices. Unprotected endpoints expose an entire business to threats and unauthorised access, making your business as easy target. An integrated approach, combined with cybersecurity awareness training for your employees, will help you implement a Zero Trust safe approach.

Cybersecurity isn’t inaccessible, and Check Point Software offers high levels of threat intelligence to all organisations, from larger companies to SMBs. Speaking to a cybersecurity expert can help you identify your path forward to prevent cyberattacks and protect your bottom line. We also provide Incident Response via the following hotline.

Contributor bio:
Ian Raper is the Managing Director, Australia and New Zealand for Check Point Software Technologies. With over 30 years of experience in sales management, business planning and partner management in cloud, network and security, he is responsible for growing the business in the region.

For more information, see Small Business Answers guide on Internet Security

Small business concerns

The pressure on small and medium-sized enterprises (SMEs) from economic decline due to COVID-19 is felt by 35% of SMEs. This is down 20 percentage points compared to this time last year. However, past pressures are creeping back to pre-pandemic levels with some increasing 6% in the past six months, finds MYOB Business Monitor. 

The latest research of 1,000+ Australian SME owners and operators found top business concerns to be cash flow and the cost of utilities, felt by 32% of respondents. The greatest increases include access to finance, a pressure for 26% of respondents up from 20% in December and late payments from customers increased to 29% from 25%. 

According to Emma Fawcett, MYOB’s General Manager SME, as some businesses return to normality, traditional small business concerns are creeping back in.

“It’s an unfortunate return to ‘business as usual for the country’s 2.29 million SMEs, with 14 of the 16 business pressures measured by the MYOB Business Monitor increasing in the last six months. This demonstrates that as COVID-19 pressure subsides, other business pressures increase. 

“SME concerns with payment times and old bugbears associated with a physical presence – such as utilities like electricity and gas – are back on the table. It seems these issues were temporarily superseded during the pandemic but are increasingly back on the radar now for many SMEs.”

Business confidence

The research, conducted before Victoria’s latest lockdown, found overall, business owners are feeling positive about the year ahead, with 57% predicting an uplift in Australia’s economy. Almost half (48%) predicting their revenue will be up in a year.

The latest Business Monitor shows a marked difference in confidence for the coming year by industry. With 78% of Finance and Insurance SMEs predicting the economy will improve in the next 12 months, compared to a national average of 57%. Retail and Hospitality are at the other end of the spectrum, with only 46% predicting uplift.

Queensland SMEs are the most confident, with 60% predicting an improvement in the economy in the year ahead, followed by Victorians, at 59% when the survey was conducted before the latest lockdown. In New South Wales, 58% believed the economy would improve, as did 55% of Western Australian SMEs. 

Nationally 30% report an increase in revenue on a year ago, up from 19% in December. The likelihood of a revenue increase in 12 months is up 11 points to 48%, compared to 37% at the end of last year.

Business priorities to overcome small business concerns

In the next 12 months, SMEs are looking to increase the prices and margins on what they sell (30%), retaining customers (29%), as well as customer acquisition, employee payments and marketing/advertising online (all 28%).

“After a challenging trading year, it’s encouraging to see SMEs looking to explore new revenue opportunities over the next 12 months,” Ms Fawcett said.

“It’s concerning those operational pressures are on the rise as the country recovers from COVID-19. However, overall confidence in the economy, as well as SME revenue, is a good sign for a sector that makes up 95% of Australian businesses.”

Read Small business Answers buyers guide to accounting software.

Digital marketing – online targeting

As a small business, if you want to attract customers you have the option to run advertising.  If you sell cosmetics and you advertise in a local paper you advertise to 50% of the population who has no interest in your cosmetics.  Namely men.  In this guide, we will look at how we can use digital marketing to target only those customers who are potential buyers of your product or service.

Digital marketing, Online advertising, internet advertising is the use of the internet, mobile devices, social media, search engines, and other channels to reach consumers.
Digital advertising is a targeted, data-driven advertising strategy for reaching consumers in every stage of the buying journey from early consideration through to comparison and purchase.

WHY should I use digital advertising?

Australian’s use of the internet grows every year. Every night most Australians have a smartphone in their hand as they watch TV.

We advertise to let people know you exist, to show a benefit or to promote a compelling offer. Digital advertising has specific advantages:

  • Customers can be targeted based on location, age, sex, income, interests and past search behaviors
    • Targeting can be done to only the audience you are interested in and not the ones you are not.
  • Instant real-time result allows you to measure success
  • Messages can be targeted rather than one message suits all
  • Start or stop advertising instantly

Using our cosmetics example we can decide to advertise today to women aged 19 to 35 who have an interest in fashion.  We can immediately see how many in our target audience have been reached and how many clicked through to your website.  It is also possible to track how many of those people ended up buying a product on your e-commerce store.

WHAT are the different types of digital marketing?

Before you endeavor on a Digital media purchase we strongly suggest you build a marketing plan as discussed in our Marketing Guide. The types of digital marketing options include:

  • online advertising  
    • banner ads – an advertisement that appears on a web page
    • keywords – spending money so your business will appear on the first page of a browser (Google) search
    • retargeting – serving a digital advertisement to someone who has already searched for your product or similar. For example, you search Toyota and keep getting ads for Toyota
    • native – an ad that is a sponsored post rather than a hard sell ad
    • video – use of a video advertisement in a digital arena like YouTube
  • online streaming
    • Podcasts – placing advertising in a pre-recorded radio type program
    • Video on Demand – this could be catch-up TV or Foxtel where video advertising is allowed.
  • social media advertising – use social media as the platform to advertise
  • mobile app advertising – free apps survive by including advertising
  • email marketing – a direct mail piece like you would have traditionally received in your letterbox but via email

HOW do I go about doing digital marketing?

Unlike traditional forms of advertising like TV, radio, and newspapers, digital advertising is much easier for the everyday person to do versus having to use a specialised media buying business.

It can be as simple as entering your credit card details.

Assuming you have a plan including having marketing objectives, a definable target market, and a decision on marketing levers (see our Marketing Guide) you are almost ready to advertise.

It is important to have some creative content that will actually convey your message and resonate with a customer. You need to ensure there are a customer benefit and call to action.  That is, why should the customer be interested and how can they get in contact with you.  The final part is to make it visually appealing.  See our guide on Graphical design to see how to do this simply.

Not that these are the right solution for your circumstances, but the most popular means to deliver a digital advertisement is through Google or Facebook.  Both these organisations have tutorials, guides, tools, etc. to lead you through the process and pay with a credit card to start the advertising.

Google https://ads.google.com/intl/en_au/getstarted

Facebook https://www.facebook.com/business/ads

HINTS

Whilst using digital marketing makes bold claims around specific targeting and measurement the reality is not always quite as accurate.  Errors do occur and you should always use actual sales improvement as a true measure of success.

While the internet is a powerful medium, you can benefit from using a mix of traditional advertising like direct mail, radio or outdoor and digital marketing to reach your target audience.

Digital advertising is bought in an auction environment.  The more buyers for the same digital assets drives prices up.

SUMMARY – better targeting of customers

Digital marketing or advertising uses the internet to target only those customers you specify.  It is possible to track those customers through to a sale which helps you determine if you should invest any further money in the same approach.  Digital advertising can be specific to your local area or enable you to reach a global audience. It is very data-driven and if used correctly is a very powerful marketing tool.

Australian Competition and Consumer Law

Trust me, this widget is 10 times better than ?, environmentally friendly, and will last forever.  Reality is you cannot say this unless you can substantiate every statement. This guide will look at Australian competition and consumer law that you need to understand.

This guide is a summary of what you should consider as a small business.  It cannot be used as a definitive guide and it is strongly recommended that you further research this subject on the government websites Australian Consumer Law (ACL) and Australian Competition and Consumer Commission (ACCC). This summary does not cover every aspect.

The ACL offers consumer protections in the areas of: (1) Unfair contract terms, covering standard form consumer contracts. (2) Consumer rights when buying goods and services. (3) Product safety. (4) Unsolicited consumer agreements covering door-to-door sales and telephone sales. (5) Lay-by agreements.

The ACCC Competition and Consumer Act 2010 (the Act) is a national law that regulates fair trading in Australia and governs how all businesses in Australia must deal with their customers, competitors and suppliers. The Act promotes fair trading between competitors while also ensuring that consumers are treated fairly.

WHY should I care what the ACL and ACCC laws are?

There is significant government legislation associated with this subject and lack of knowledge is not an acceptable defence.  Significant fines apply for breaking the rules to ensure unfair activity does not occur.

WHAT Australian Competition and Consumer Law do I need to understand?

Australia Consumer Law (ACL)
  • Unfair contract terms – This protects a business or consumer when they agree to a standard contract which is subsequently deemed as unfair. For example, terms change, you agree to a price but the price is changed without notice.
  • Consumer Guarantees – applies to a consumer or business that purchases a product for less than $40,000. The guarantee is that a good or service will meet certain minimum standards. For example, a consumer buys a washing machine for $2000 with a 1-year warranty.  After 2 years the product fails.  Under ACL the consumer can claim that this product should have lasted more than 2 years and as such should be repaired or replaced.
  • Consumer product safety – As a business owner who sells a product you must be aware of mandatory standards or voluntary rules that exist around the safety of your product.  You will also have obligations around bans or recalls. For example, you cannot sell children’s toys that have small detachable parts that could be swallowed.
  • Sales practices – The ACL prohibits businesses from using unconscionable conduct when selling, unsolicited supply of goods, unsolicited consumer agreements, harassment  and coercion, or refusing to provide proof of a transaction when dealing with their customers. For example, you cannot try to trick someone into buying your service nor threaten them or refuse to give them a receipt if they ask for one.
  • Avoiding unfair business practices – The ACL prohibits businesses from engaging in unconscionable conduct including misleading or deceptive conduct and representations. For example, you cannot do an advertisement with disclaimers that are too small to read. Nor can those disclaimers change the main meaning of that advertisement, for instance, when the ad implies the item costs $50 but a condition in fine print means the real cost is $75
Australian Consumer & Competition Commission (ACCC)
  • Treating customers fairly
    • Offering warranties. A product or service must do what it says. For example, if it has a speed of 10 it must reach a speed of 10.  If you provide a warranty against defects you must comply with that warranty. A warranty against defects is provided in addition to consumer guarantees under ACL and does not limit or replace them.
    • Unfair business practices. It is illegal to engage in referral selling, pyramid selling, unfair contract terms, and accepting payment without intent to supply
    • Rules for gift cards. Cards must be redeemable for 3 years after the date of purchase and clearly show the expiry date.
    • Debt collection. It is illegal to mislead, hassle, or use physical force on someone who owes you money.
    • Selling parallel imports or grey marketing is when you directly import a product outside of a formal manufacturer distribution network. If you do you must
      •  be aware of, and comply with, product safety and labelling requirements
      • provide accurate information to consumers about the products you sell
      • ensure that you do not mislead consumers about their refund, return and warranty rights, and
      • understand your general obligations under the ACL.
  • Advertising & promoting your business
    • False or misleading statements.  It is illegal for a business to make statements that are incorrect or likely to create a false impression. This includes advertisements or statements in any media (print, radio, television, social media, and online) or on product packaging, and any statement made by a person representing your business.
    • Managing online reviews. You will be breaching the law if you do not remove fake reviews. You must disclose commercial arrangements. It is also considered misleading if you remove or edit negative reviews.
    • Door-to-door & telemarketing sales. If selling door to door you may not approach if a do not knock sticker is present and you must leave if asked. Telemarketing must fall under the Do Not Call Register Act and specified hours.  These types of sales are bound by a 10 business day cooling-off period allowing customers to cancel for any reason.
    • Country of origin claims – It is illegal to misrepresent country of origin.  Some food products must display country of origin. Businesses wishing to display Australian-made can find more details here. https://www.australianmade.com.au/
  • Pricing & surcharging
    • Setting prices is at your discretion but cannot be done in collaboration with a competing business. You may not set a minimum price which a product or service can be sold by your retailers. Selling below cost is illegal if it is found it was done so to damage a competitor.
    • Displaying prices must be clear and accurate and display the total price.
    • Payment surcharges for EFTPOS should not be excessive.
  • Anti-competitive behavior
    Business practices that limit or prevent competition are illegal.  
    • Anti-competitive conduct. Prohibits contracts, arrangements, understandings or concerted practices that have the purpose, effect or likely effect of substantially lessening competition in a market. 
    • Cartels. Agreements made with competitors to fix pricing, share tender information, or agree to restrict production is illegal. For example, two competing businesses agree to sell their product for the same price.
    • Collective bargaining & boycotts. It is illegal to agree with a competitor to negotiate with a single supplier on terms as it is to agree to boycott a supplier.
    • Exclusive dealing.  It is illegal to force another business to comply with your conditions under the threat you will withhold supply or pricing.  This could include ceasing supply if they deal with a competitor or if they keep discounting your product.
    • Imposing minimum resale prices. Suppliers may suggest a retail price that a reseller charges but cannot stop resellers charging or advertising below that price.
    • Refusal to supply products or services. Suppliers have the right to choose who they do business with however it is breaking the law if that refusal is based on one of the above anti-competitive points.

HOW can I learn more about Australian competition and consumer law?

You must understand the rules and follow the rules. Additional details can be found:

ACLSee our Small Business Answers guide here

ACCC

For more details on how these laws are admistrated see Fair trading – The Competition and Consumer Act of 2010 is a national law administered by ACCC nationally and state and territory regulators https://www.business.gov.au/products-and-services/fair-trading/fair-trading-laws

SUMMARY – protect you and your customers

Australian competition and consumer law is designed to protect both consumers and businesses from practices that misrepresent, disadvantage, deceive, or reduce competition.  The government has large departments to police the associated laws and you should ensure you and your staff are familiar with those laws that will affect your business.

The following guide published by the ACCC explains Australian competition and consumer law in more detail. https://www.accc.gov.au/publications/small-business-the-competition-and-consumer-act

Mental health top concern for owners

Nearly half (46%) of small and medium-sized enterprise (SME) owners agree that running their own business has directly contributed to feelings of anxiety or depression. According to the latest MYOB Business Monitor, for a quarter (26%) of respondents, mental health is their most immediate concern.

The research of 1000+ small business owners and operators found that running their business over the last 12 months caused more than half (52%) of respondents stress, up seven percentage points from this time last year (45% in June 2020). Forty-five per cent experienced anxiety in this latest survey, and a quarter (26%) felt depression, up from the 20% who experienced it 12 months ago.

The retail and hospitality sectors have been hit particularly hard, with more than two thirds (68%) reporting their business has caused them stress. Fifty-seven per cent in the sector felt anxiety and 45% experienced feelings of depression.

MYOB Chief Employee Experience Officer, Helen Lea, said as the economy starts to recover it’s important that the country’s 2.29 million small businesses acknowledge the mental health impacts of the past 18 months.

“As rewarding as it can be, running a small business brings with it a range of stressors and challenges at the best of times, let alone in the midst of a pandemic. Last year was trying for small businesses and the data shows owners and operators may be feeling its effects for some time to come.

“As some businesses come out the other side of the pandemic and move from recovery to growth, we want to remind small businesses of the tools available to them to help manage their mental health.”

MYOB has partnered with Smiling Mind, a leading mental health prevention not-for-profit, to create mindfulness activities specifically for small business owners. These focus on key areas such as stress management, relationships and resilience.

“As the lifeblood of the Australian economy, small businesses need environments in which they can thrive, eliminating points of stress where possible,” Ms Lea said.

“This might include scheduling proper downtime or incorporating time to exercise or meditate into your day.” 

Resources available to small business owners include NewAccess developed by Beyond Blue, Smiling Mind Small Business Program and Lifeline.