Podcast appearances and mentions of Kate Carnell

School Without Walls (SWOW) was a fully democratic school that ran from 1974 to 1997, when it was forced to shut down by Kate Carnell's Liberal Party local government. Many of those (including myself) who had the opportunity to learn at SWOW remain embittered that something quite that good - many would say life-changing – no longer exists. There are scant records available from SWOW, and this series of oral histories aims to fill that gap as fully as possible. In this interview, we talk with Clive Mackillop, long time teacher from the latter half of SWOW.

School Without Walls (SWOW) was a fully democratic school that ran from 1974 to 1997, when it was forced to shut down by Kate Carnell's Liberal Party local government. Many of those (including myself) who had the opportunity to learn at SWOW remain embittered that something quite that good - many would say life-changing – no longer exists. There are scant records available from SWOW, and this series of oral histories aims to fill that gap as fully as possible. In the third interview we talk with Harry Oldmeadow, a founder, early teacher and co-ordinator of the school.

School Without Walls (SWOW) was a fully democratic school that ran from 1974 to 1997, when it was forced to shut down by Kate Carnell's Liberal Party local government. Many of those (including myself) who had the opportunity to learn at SWOW remain embittered that something quite that good - many would say life-changing – no longer exists. There are scant records available from SWOW, and this series of oral histories aims to fill that gap as fully as possible. In the first interview, we talk with Lizanne Emery, a founder and early student at the school.

School Without Walls (SWOW) was a fully democratic school that ran from 1974 to 1997, when it was forced to shut down by Kate Carnell's Liberal Party local government. Many of those (including myself) who had the opportunity to learn at SWOW remain embittered that something quite that good - many would say life-changing – no longer exists. There are scant records available from SWOW, and this series of oral histories aims to fill that gap as fully as possible. In the second interview we talk with Biff Ward, a founder, early teacher and co-ordinator of the school.

A new Federal cabinet, an energy crisis and is the push for Australia to become a republic back on?

With intelligent and thought-provoking analysis, RN Drive goes behind the headlines to give you original insight into the world you live in. Keep up to date with federal politics, current affairs, arts, culture and the stories that are making Australia talk.

Kate Carnell has helped pave the way for women in business and politics, overcoming a lot of adversities along the way. Hear Christopher Pyne chat with Kate about those challenges, gender roles in politics, secret liberal clubs and the Canberra hospital implosion.   For more episodes download the LiSTNR app now and listen for free. See omnystudio.com/listener for privacy information.

This is my first solo podcast, but I could not share the things we learnt when Kate Carnall joined us at our January event. She is the Small Business Ombudsman and had the most amazing career as a Pharmacy owner, Premier of ACT, CEO of multiple companies and sitting on significant Australian boards. We haven't stopped obsessing over her at Belle and had to share her amazing pockets of wisdom. She is an inspiring woman who shows us what, authentic, brave and empowering leadership is with a no-fluff approach.

A research and development tax incentive has been a nightmare for many small businesses, who have been told to pay thousands of dollars back to the government. Kate Carnell, Australian Small Business and Family Enterprise Ombudsman, says the Incentive is unsuitable for software development in its current form. She explains the lessons for small businesses owners who are considering applying for an R&D incentive. Business Essentials Daily is produced by: SoundCartel soundcartel.com.au +61 3 9882 8333 See omnystudio.com/listener for privacy information.

Federal Small Business and Family Enterprise Commissioner Kate Carnell spoke with Jason Regan on FlowFM's Country Viewpoint about the impact on small and family businesses from lockdowns, particularly the losses incurred and the difficulty of continuously stopping and re-opening the business.

Small Biz Matters – #196 Providing the small business community with educational content and advocacy since 2014 with Alexi Boyd, broadcaster, advocate and small business owner. Date: 14 February 2021 Small Biz Matters is proud to announce our ongoing collaboration with the Australian Small Business and Family Enterpris­­e Ombudsman through regular updates from Kate Carnell about all ASBFEO is doing to advocate and support small businesses. In the fourth third of the series Kate Carnell will update us about ASBFEO’s response to the crisis facing small business. This week we’re updating you on: Insolvency changes and access to funding for small business since 1Jan2021 Temporary restructuring relief - how to get started Why should small businesses familiarise themselves with the Personal Property Securities Register? Access to credit after JobKeeper and how will small businesses cope with its removal? What about those businesses looking to hire additional staff – what do they need to know about JobMaker Hiring Credit Kate Carnell, as an independent advocate for small business owners, has the legislative power to influence our nation’s lawmakers, ensuring legislation and regulations are put in place to help small businesses grow and in these times, survive. A lot has happened since January 1 – rules around insolvency have changed for one – what do small businesses need to know? Let’s talk about temporary restructuring relief. What is it and how do small businesses get started? There’s a lot of talk about a steep rise in insolvencies this year. Why should small businesses familiarise themselves with the Personal Property Securities Register? JobKeeper is being phased out and that will no doubt put struggling small businesses under pressure – how important is access to credit? (Kate to talk about revenue contingent loan scheme) What about those businesses looking to hire additional staff – what do they need to know? (Kate to talk about JobMaker Hiring Credit) To find out more go to their website: https://www.asbfeo.gov.au/ About our Guest: The Ombudsman - Kate Carnell "In this role I will seek to bring together the many voices within the small business community in a way that promotes growth in this vital sector." Kate Carnell is the inaugural Australian Small Business and Family Enterprise Ombudsman (ASBFEO). As the ASBFEO, she is an independent advocate for small business owners.  Her office has the legislative powers needed to effectively influence our nation’s lawmakers, ensuring legislation and regulations are put in place to help small businesses grow. The ASBFEO office also provides small businesses and family enterprises with assistance should they find themselves involved in a business dispute. Small businesses are the engine room of the economy; it’s a big reputation to live up to, so we need to do all we can to ensure they have the freedom to innovate, employ and thrive well into the future. About ASBFEO Australia is a nation of small businesses and family enterprises.  It’s a dynamic and exciting sector that allows people with an entrepreneurial spirit to pursue their dreams. One of the fastest growing in the economy, the sector presents many opportunities – and challenges – for those who dedicate themselves to pursing a small business venture. The ASBFEO's role is to support small businesses and family enterprises to enable them to grow and thrive. The ASBFEO was launched on 11 March 2016 and has two key functions: to assist and to advocate for small businesses and family enterprises. ASSIST: We understand the challenges facing small business owners. We provide access to dispute resolution services for those who may be involved in a disagreement, so they can try and find a solution to their problem without having to go to court. ADVOCATE: There are a number of different activities the Ombudsman may conduct in fulfilling the role of small business advocate. Broadly these include: Conduct inquiries and research Work with other arms of government Contribute to other inquiries Promote good business practice.

A lot fewer businesses have gone broke in the last 12 months than during “normal” times. Kate Carnell, Australian Small Business and Family Enterprise Ombudsman, says it’s a consequence of JobKeeper and other benefits to support businesses during the COVID-19 pandemic. When JobKeeper entitlements expire on March 28, it will be a real concern for a lot of companies. Kate Carnell says industry- and region-specific incentives might help struggling businesses while COVID still lingers. Business Essentials Daily is produced by: SoundCartel soundcartel.com.au +61 3 9882 8333 See omnystudio.com/listener for privacy information.

If anyone knows the ins and outs of the challenges facing small businesses, it's the Australian Small Business & Family Enterprise Ombudsman, Kate Carnell. In this episode of In Focus, recorded with the ASBFEO at our SME Broker Bootcamp in December 2020, Kate Carnell joins host Annie Kane to discuss the challenges that small business owners have been facing since COVID-19 hit, the benefits and pitfalls of government financial support mechanisms for SMEs, and the crucial role brokers play in helping small businesses access and understand business finance. Tune in to find out: - The challenges that SMEs are facing and the pros and cons of government support mechanisms - The mental health challenges of SMEs - The resources available to brokers to identify appropriate SME finance And much more!

In our summer special series, we bring you some of our favourite guests from the Australia Institute’s webinar series in 2020. In this episode, host Ebony Bennett talks to Jay Weatherill, Kate Carnell and Richard Denniss about how an affordable, accessible early learning system could help power Australia's economic recovery.The full webinar is available on the Australia Institute’s YouTube channel here.Host: Ebony Bennett // @ebony_bennettGuests:Jay Weatherill, CEO of Thrive by Five, Minderoo Foundation // @JayWeatherillKate Carnell, Australian Small Business and Family Enterprise Ombudsman // @KateCarnellAusRichard Denniss, chief economist, The Australia Institute // @RDNS_TAIProducer: Jennifer Macey // @jennifermaceyTheme music is by Jonathan McFeat from Pulse and Thrum

While many are hoping for a fresh start this new year, some businesses could be staring down the barrel of collapse.

Small Biz Matters – #188 Providing the small business community with educational content and advocacy since 2014with Alexi Boyd, broadcaster, advocate and small business owner.Date: 19 November 2020 Small Biz Matters is proud to announce our ongoing collaboration with the Australian Small Business and Family Enterpris­­e Ombudsman through regular updates from Kate Carnell about all ASBFEO is doing to advocate and support small businesses. In the third of the series Kate Carnell will update us about ASBFEO’s response to the crisis facing small business. This week we’re updating you on: Insolvency changes and access to funding for small business Access to funding What’s the Australian Business Growth fund and how can small businesses access this resource? The latest update on the Business Funding Guide - further improvements thanks to the learnings from COVID; the changes to trading conditions and a practical HOW TO pathway to becoming financially fit Kate Carnell, as an independent advocate for small business owners, has the legislative power to influence our nation’s lawmakers, ensuring legislation and regulations are put in place to help small businesses grow and in these times, survive. Welcome back to the show Kate Carnell. Insolvency changes and access to funding for small business Why is it so important that small businesses are aware of these changes and the associated timelines? What do the reforms mean to the way you structure debt when you are restructuring or winding up a business Who is at risk of failure? Access to funding How has ASBFEO assisted with encouraging Federal policy makers to make it easier for small business to access finance? What’s often at risk when increasing funding What’s the Australian Business Growth fund and how can small businesses access this resource? Why was this established and who is eligible? Where has this model come from? The latest update on the Business Funding Guide - further improvements thanks to the learnings from COVID; the changes to trading conditions and a practical HOW TO pathway to becoming financially fit Commercial tenancies - who’s helping who here? Insolvency laws and what it means to be trading insolvent right now To find out more go to their website: https://www.asbfeo.gov.au/ About our Guest: The Ombudsman - Kate Carnell "In this role I will seek to bring together the many voices within the small business community in a way that promotes growth in this vital sector." Kate Carnell is the inaugural Australian Small Business and Family Enterprise Ombudsman (ASBFEO). As the ASBFEO, she is an independent advocate for small business owners.  Her office has the legislative powers needed to effectively influence our nation’s lawmakers, ensuring legislation and regulations are put in place to help small businesses grow. The ASBFEO office also provides small businesses and family enterprises with assistance should they find themselves involved in a business dispute. Small businesses are the engine room of the economy; it’s a big reputation to live up to, so we need to do all we can to ensure they have the freedom to innovate, employ and thrive well into the future. About ASBFEO Australia is a nation of small businesses and family enterprises.  It’s a dynamic and exciting sector that allows people with an entrepreneurial spirit to pursue their dreams. One of the fastest growing in the economy, the sector presents many opportunities – and challenges – for those who dedicate themselves to pursing a small business venture. The ASBFEO's role is to support small businesses and family enterprises to enable them to grow and thrive. The ASBFEO was launched on 11 March 2016 and has two key functions: to assist and to advocate for small businesses and family enterprises. ASSIST: We understand the challenges facing small business owners. We provide access to dispute resolution services for those who may be involved in a disagreement, so they can try and find a solution to their problem without having to go to court. ADVOCATE: There are a number of different activities the Ombudsman may conduct in fulfilling the role of small business advocate. Broadly these include: Conduct inquiries and research Work with other arms of government Contribute to other inquiries Promote good business practice.

In this special budget coverage episode of the MyBusiness Podcast, host Maja Garaca Djurdjevic is joined by a number of prominent figures in the small business space to unpack the most anticipated budget in history. From loss carry-back for businesses and temporary full expensing which builds on the expanded instant asset write-off, to tax incentives and the JobMaker hiring credit, our host and guests discuss budget 2020 and what it means for business. Maja is joined by Kate Carnell, the Australian Small Business and Family Enterprise Ombudsman; Andrew Conway, the CEO of the Institute of Public Accountants; Vicki Stylianou, executive general manager, advocacy and technical at the IPA; and the body's general manager of technical policy Tony Greco. Hear their thoughts on budget 2020 and gain more insight into some of the measures that could help your COVID recovery.

Small Biz Matters – #178 Providing the small business community with educational content and advocacy since 2014with Alexi Boyd, broadcaster, advocate and small business owner.Date: 29 September 2020 Intro: Small Biz Matters is proud to announce our ongoing collaboration with the Australian Small Business and Family Enterpris­­e Ombudsman through regular updates from Kate Carnell about all ASBFEO is doing to advocate and support small businesses. In the second of the series Kate Carnell will update us about ASBFEO’s response to the crisis facing small business. This week we’re updating you on: Jobkeeper, FairWork and the eligibility tests The latest on negotiations between ASBFEO, Govt and Banks’ response to the crisis Commercial tenancies - who’s helping who here? Insolvency laws and what it means to be trading insolvent right now Kate Carnell, as an independent advocate for small business owners, has the legislative power to influence our nation’s lawmakers, ensuring legislation and regulations are put in place to help small businesses grow and in these times, survive. Welcome back to the show Kate Carnell. Topics we’ll be covering: JobKeeper 2.0 From 28 September, the JobKeeper payment will be tapered over two stages. 28 September – 3 January 2021: Payments to be delivered in 2 tier system to employers that meet the JobKeeper criteria – -              Tier 1 applies to employees that have worked more than 80 hours in the 28-day reference period. This payment is $1,200 per fortnight. -              Tier 2 applies to employees that have worked less than 80 hours in the given 28 day reference period. This payment is $750 per fortnight.   The following extension period from January 4 – 28 March 2021 -Tier 1 payments reduce to $1000 per fortnight -Tier 2 payments reduce to $600 per fortnight  Turnover test Businesses can pass the actual decline in turnover test either through using the basic test or the alternative test. Most businesses will likely use the basic test, which is based on GST turnover. In applying the actual decline in turnover test, businesses should note that: It must be done for specific quarters only. They must use actual sales made in the relevant quarter, not projected sales, when working out their GST turnover. They allocate sales to the relevant quarter in the same way they would report those sales to a particular business activity statement if they were registered for GST. For the first extension period, a business meets the test when current GST turnover for the quarter ending 30 September 2020 (the months of July, August and September) has declined by the specified shortfall percentage in comparison to their current GST turnover for the quarter ending 30 September 2019. Likewise for the second extension period, a business meets the test when their current GST turnover for the quarter ending 31 December 2020 (the months of October, November and December) has declined by the specified shortfall percentage in comparison to their current GST turnover for the quarter ending 31 December 2019. Alternative test The alternative test applies to businesses where the normal comparison period is not appropriate. A common example would be if the business has been operating for less than a year. Businesses that are looking to apply for the JobKeeper extension using one of the alternative tests will now need to indicate to the ATO that they are doing so. This means filling out an extra box on the form.   Banks The banks are taking a more flexible approach to small business loan repayments. They are working through assessing the position of customers now. From the ABA website, depending on how the business is fairing, the next step for customers will be one of: Those who can resume repayments at the end of their deferral, will be required to do so; Those still in difficulty, will work with their bank to restructure or vary their loan, including converting to interest only payments for a period of time, or extending the term of the loan; Following the assessment once the bank understands the customers circumstances, in some cases, a further 4-month deferral may be granted, but this will not be automatic; or Customers who will be unable to pay their loan over the longer term will be offered tailored assistance that addresses their needs. Commercial tenancies WA – no change, WA announced on 10 September, they were extending the emergency period under its Commercial Tenancies (COVID-19 Response) Act 2020 until 28 March 2021. SA – potentially no change, there is legislation before its Parliament (to be debated this week) to extend SA’s COVID-19 Emergency Response Act 2020 until 3 January 2021. We will monitor the passage of this bill. TAS – no change, TAS announced on 4 September they are extending the financial hardship period under the COVID-19 Disease Emergency (Commercial Leases) Act 2020 until 1 December 2020. VIC – no change, VIC announced, on 20 August extended its Commercial Tenancy Relief Scheme until 31 December 2020. ACT – no change, the ACT announced on 10 September that it was extending its current arrangements for SME commercial rents until 31 January 2021. QLD – no changes, regulation under the ­COVID-19 Emergency Response Act 2020 does not end until 31 December 2020. NSW – no change, Retail and Other Commercial Lease (COVID-19) Regulation 2020 is not to be repealed until 25 October 2020. Will continue to monitor. Insolvency The Federal Government has just announced plans to overhaul insolvency rules to make it easier for small businesses to restructure or wind up. These are in line with our Insolvency Practices Inquiry final report. The reforms will allow small businesses to restructure their debts while remaining in control of their business and for those businesses that do need to wind up, the liquidation process will be changed to make it quicker and easier. The government has extended the temporary insolvency and bankruptcy protections until 31 December 2020. Temporary changes to statutory demand and bankruptcy notices requiring a debt of $20,000 and allowing six months to pay the amount demanded will also be extended until 31 December 2020. My office continues to recommend the establishment of a small business viability voucher program, where small business owners facing financial stress can get a voucher valued up to $5000 to access tailored advice on the state of their business. To find out more go to their website: https://www.asbfeo.gov.au/ About our Guest: The Ombudsman - Kate Carnell "In this role I will seek to bring together the many voices within the small business community in a way that promotes growth in this vital sector." Kate Carnell is the inaugural Australian Small Business and Family Enterprise Ombudsman (ASBFEO). As the ASBFEO, she is an independent advocate for small business owners.  Her office has the legislative powers needed to effectively influence our nation’s lawmakers, ensuring legislation and regulations are put in place to help small businesses grow. The ASBFEO office also provides small businesses and family enterprises with assistance should they find themselves involved in a business dispute. Small businesses are the engine room of the economy; it’s a big reputation to live up to, so we need to do all we can to ensure they have the freedom to innovate, employ and thrive well into the future. About ASBFEO Australia is a nation of small businesses and family enterprises.  It’s a dynamic and exciting sector that allows people with an entrepreneurial spirit to pursue their dreams. One of the fastest growing in the economy, the sector presents many opportunities – and challenges – for those who dedicate themselves to pursing a small business venture. The ASBFEO's role is to support small businesses and family enterprises to enable them to grow and thrive. The ASBFEO was launched on 11 March 2016 and has two key functions: to assist and to advocate for small businesses and family enterprises. ASSIST: We understand the challenges facing small business owners. We provide access to dispute resolution services for those who may be involved in a disagreement, so they can try and find a solution to their problem without having to go to court. ADVOCATE: There are a number of different activities the Ombudsman may conduct in fulfilling the role of small business advocate. Broadly these include: Conduct inquiries and research Work with other arms of government Contribute to other inquiries Promote good business practice.

Kate Carnell, Small Business and Family Enterprise Ombudsman, spoke with Neil Mitchell on Monday. See omnystudio.com/policies/listener for privacy information.

Kate Carnell, Australian Small Business and Family Enterprise Ombudsman, spoke with Tom Elliott.   See omnystudio.com/policies/listener for privacy information.

In this episode of the ASIAL Security Insider podcast, we hear from Kate Carnell. Kate is one of Australia’s most experienced business leaders. She is the current  Australian Small Business and Family Enterprise Ombudsman (ASBFEO). Prior to taking one her current role, Kate was CEO of the Australian Chamber of Commerce and Industry, which represents more than 300,000 businesses across Australia. She has also held the position of Chief Executive Officer at beyondblue, the Australian Food and Grocery Council, the Australian General Practice Network (AGPN) and the National Association of Forest Industries (NAFI). In today’s podcast, Kate provides some very timely, practical and extremely useful advice for small to medium sized businesses in the security industry about how to manage their way through the current COVID environment. This is invaluable advice from one of Australia’s leading and most experienced business minds and is highly relevant for ASIAL members. We hope you enjoy this episode of the Security Insider podcast

In Episode 47, “The Wake Up Call”, Blenheim Partners‘ Gregory Robinson speaks to Kate Carnell AO, the Australian Small Business and Family Enterprise Ombudsman. She previously held the position of Chief Executive Officer for The Australian Chamber of Commerce and Industry, which represents more than 300,000 businesses across Australia, Beyond Blue, the Australian Food and Grocery Council, the Australian General Practice Network and the National Association of Forest Industries. Kate was also the Chief Minister of the Australian Capital Territory from 1995 to 2000.A pharmacist by profession, Kate ran her own small businesses for fifteen years, and went on to become the first female to become the National Vice-President of the Pharmacy Guild of Australia. In 2006, Kate was appointed an Officer of the Order of Australia for her services to the community through contributions to economic development and support for the business sector, knowledge industries, the medical sector and medical technology advances.In a powerful conversation, Kate brings to light the reality small businesses have to face as they try to survive the COVID-19 pandemic. Addressing the constant ambiguity and the confronting issues, from hidden unemployment, mental health, to battles with landlords, we discuss how the time has arrived for us to wake up and seize the opportunity, as a nation, to cut the red tape and come together, embody the spirit of the entrepreneur and support the bedrock of the Australian and global economy.Please note the podcast was recorded on 25th June 2020

Small Biz Matters – a half hour program each week where you can work ON your business rather than IN it.with Alexi Boyd, broadcaster, advocate and small business owner.Date: 7 July 2020 Small Biz Matters is proud to announce a new collaboration with the Australian Small Business and Family Enterpris­­e Ombudsman - regular updates from Kate Carnell about all her office is doing to advocate and support small businesses. Kate Carnell, as an independent advocate for small business owners, has the legislative power to influence our nation’s lawmakers, ensuring legislation and regulations are put in place to help small businesses grow and in these times, survive. Small businesses are the engine room of the economy and it’s ASBFEO’s role to do all they can to ensure they have the freedom to innovate, employ and thrive well into the future. We’ll be regularly broadcasting information on small business strategies, programs and legislative updates which you, as a small business owner in Australia can rely on from the office of ASBFEO and Small Biz Matters. In the first of the series Kate’s speaking to us about the COVID-19 recovery plan, improvements to payment times and updates in the areas of taxation and procurement. Welcome back to the show Kate Carnell. Topics we’ll be covering: The COVID-19 National recovery plan What is ASBFEO’s role in these sort of discussions & who does ASBFEO speak to when advocating for us? Is it similar to a lobbyist’s role? Taxation update We know about the instant asset write-off which has been extended but in terms of tax (particularly with it being EOFY) what other developments has ASBFEO been working on for small business? Procurement panel update What is the intention of the procurement panel and why does ASBFEO believe this is an important reform? Payment times Something we are passionate about here at Small Biz Matters is accelerating the economy through ANY sort of improvement to payment times for small business. Have any of the recent reforms made any difference in reality for small businesses? Is mandating payment times a reality or even a possibility? Access to justice One of the roles of ASBFEO is to support small business in business disputes. Can you give some examples of the sorts of scenarios and businesses you’ve helped? IR reforms – federal level, small business award Industrial relations is a real minefield for small business. In some ways it actually restricts our ability to employ and as Australia’s largest employer in these times of employment crisis it’s not ideal. What’s currently happening in this space to reduce the compliance burden for small business? To find out more go to their website: https://www.asbfeo.gov.au/ About our Guest: The Ombudsman - Kate Carnell "In this role I will seek to bring together the many voices within the small business community in a way that promotes growth in this vital sector." Kate Carnell is the inaugural Australian Small Business and Family Enterprise Ombudsman (ASBFEO). As the ASBFEO, she is an independent advocate for small business owners.  Her office has the legislative powers needed to effectively influence our nation’s lawmakers, ensuring legislation and regulations are put in place to help small businesses grow. The ASBFEO office also provides small businesses and family enterprises with assistance should they find themselves involved in a business dispute. Small businesses are the engine room of the economy; it’s a big reputation to live up to, so we need to do all we can to ensure they have the freedom to innovate, employ and thrive well into the future. About ASBFEO Australia is a nation of small businesses and family enterprises.  It’s a dynamic and exciting sector that allows people with an entrepreneurial spirit to pursue their dreams. One of the fastest growing in the economy, the sector presents many opportunities – and challenges – for those who dedicate themselves to pursing a small business venture. The ASBFEO's role is to support small businesses and family enterprises to enable them to grow and thrive. The ASBFEO was launched on 11 March 2016 and has two key functions: to assist and to advocate for small businesses and family enterprises. ASSIST: We understand the challenges facing small business owners. We provide access to dispute resolution services for those who may be involved in a disagreement, so they can try and find a solution to their problem without having to go to court. ADVOCATE: There are a number of different activities the Ombudsman may conduct in fulfilling the role of small business advocate. Broadly these include: Conduct inquiries and research Work with other arms of government Contribute to other inquiries Promote good business practice.

In this episode, Mitch is joined by Kate Carnell. Kate is the Small Business and Family Enterprise Ombudsman for Australia. She began as a pharmacist by profession and opened her first business in 1981. Later, she became involved in industry chambers of commerce which lead her into politics. Kate was the Chief Minister of the A.C.T for 5 years and CEO of the Australian Chamber of Commerce and Industry. The role of Small Business and Family Enterprise Ombudsman was created out of necessity for small businesses who needed a bigger voice. Kate is here to discuss the role of the Ombudsman, the problems small businesses face with the court system in Australia and the impact COVID-19 has had across the board for small businesses. Stay tuned to hear about: Common things that the Ombudsman deals with The process of solving issues between large and small businesses Why her department does their best to avoid the court system Creating access to justice Analyzing the marketplace and diagnosing problems The impact that the COVID-19 pandemic has had on legislation The mental health impact of COVID-19 on small business owners and staff Post-COVID-19 concerns for reopening and financing How the pandemic may facilitate a greater shift to home-based working What can be learned from the pandemic in regards to policy Technological advancements and their importance to business owners Innovation within marketing Leveraging and managing data Mitch finishes the podcast by asking Kate a quick 5 questions: What are the most important qualities in business? What superpower would you have? What advice would you give your younger self? Who's your favourite footie team? What is your favourite book? Australian Small Business and Family Enterprise Ombudsman

In this episode, Mitch is joined by Kate Carnell. Kate is the Small Business and Family Enterprise Ombudsman for Australia. She began as a pharmacist by profession and opened her first business in 1981. Later, she became involved in industry chambers of commerce which lead her into politics. Kate was the Chief Minister of the A.C.T for 5 years and CEO of the Australian Chamber of Commerce and Industry. The role of Small Business and Family Enterprise Ombudsman was created out of necessity for small businesses who needed a bigger voice. Kate is here to discuss the role of the Ombudsman, the problems small businesses face with the court system in Australia and the impact COVID-19 has had across the board for small businesses. Stay tuned to hear about: Common things that the Ombudsman deals with The process of solving issues between large and small businesses Why her department does their best to avoid the court system Creating access to justice Analyzing the marketplace and diagnosing problems The impact that the COVID-19 pandemic has had on legislation The mental health impact of COVID-19 on small business owners and staff Post-COVID-19 concerns for reopening and financing How the pandemic may facilitate a greater shift to home-based working What can be learned from the pandemic in regards to policy Technological advancements and their importance to business owners Innovation within marketing Leveraging and managing data Mitch finishes the podcast by asking Kate a quick 5 questions: What are the most important qualities in business? What superpower would you have? What advice would you give your younger self? Who's your favourite footie team? What is your favourite book? Australian Small Business and Family Enterprise Ombudsman

Tax time is quickly approaching and that means EOFYthing you purchase from Officeworks could be tax-deductible. Brooke and Scott share tips for how small business owners can maximise their deductions. The Morrison government is embarking on major industrial relations reforms and Kate Carnell, the Small Business and Family Enterprise Ombudsman, is urging the government to consider a dedicated Small Business Award.

In this episode, Mitch is joined by Kate Carnell. Kate is the Small Business and Family Enterprise Ombudsman for Australia. She began as a pharmacist by profession and opened her first business in 1981. Later, she became involved in industry chambers of commerce which lead her into politics. Kate was the Chief Minister of the A.C.T for 5 years and CEO of the Australian Chamber of Commerce and Industry. The role of Small Business and Family Enterprise Ombudsman was created out of necessity for small businesses who needed a bigger voice. Kate is here to discuss the role of the Ombudsman, the problems small businesses face with the court system in Australia and the impact COVID-19 has had across the board for small businesses. Stay tuned to hear about: Common things that the Ombudsman deals with The process of solving issues between large and small businesses Why her department does their best to avoid the court system Creating access to justice Analyzing the marketplace and diagnosing problems The impact that the COVID-19 pandemic has had on legislation The mental health impact of COVID-19 on small business owners and staff Post-COVID-19 concerns for reopening and financing How the pandemic may facilitate a greater shift to home-based working What can be learned from the pandemic in regards to policy Technological advancements and their importance to business owners Innovation within marketing Leveraging and managing data Mitch finishes the podcast by asking Kate a quick 5 questions: What are the most important qualities in business? What superpower would you have? What advice would you give your younger self? Who's your favourite footie team? What is your favourite book? Australian Small Business and Family Enterprise Ombudsman

In this episode, Mitch is joined by Kate Carnell. Kate is the Small Business and Family Enterprise Ombudsman for Australia. She began as a pharmacist by profession and opened her first business in 1981. Later, she became involved in industry chambers of commerce which lead her into politics. Kate was the Chief Minister of the A.C.T for 5 years and CEO of the Australian Chamber of Commerce and Industry. The role of Small Business and Family Enterprise Ombudsman was created out of necessity for small businesses who needed a bigger voice. Kate is here to discuss the role of the Ombudsman, the problems small businesses face with the court system in Australia and the impact COVID-19 has had across the board for small businesses. Stay tuned to hear about: Common things that the Ombudsman deals with The process of solving issues between large and small businesses Why her department does their best to avoid the court system Creating access to justice Analyzing the marketplace and diagnosing problems The impact that the COVID-19 pandemic has had on legislation The mental health impact of COVID-19 on small business owners and staff Post-COVID-19 concerns for reopening and financing How the pandemic may facilitate a greater shift to home-based working What can be learned from the pandemic in regards to policy Technological advancements and their importance to business owners Innovation within marketing Leveraging and managing data Mitch finishes the podcast by asking Kate a quick 5 questions: What are the most important qualities in business? What superpower would you have? What advice would you give your younger self? Who's your favourite footie team? What is your favourite book? Australian Small Business and Family Enterprise Ombudsman

Greetings: we hope that you’re well and you're starting to develop strategies for your clients to emerge from the COVID-19 coronavirus lockdowns with reinvigorated businesses.  We believe that there is a tremendous opportunity for accountants to perform a 'Chief Financial Officer' role for your clients to assist them to survive the very challenging times that will be evident post 30th September 2020.   The Australian Government’s Small Business and Family Enterprise Ombudsman, Kate Carnell, pulled no punches in an interview in the Financial Review on 18th May 2020 “Banks Warned: Don’t Pull The Plug Too Early”....   Read the Full Article Here

Small Biz Matters – a half hour program each week where you can work ON your business rather than IN it.with Alexi Boyd, broadcaster, advocate and small business owner.Date: 14 April 2020 The Government has announced a $130 billion JobKeeper payment to help keep more Australians in jobs and support businesses affected by the significant economic impact caused by the Coronavirus. Around 6 million workers will receive a fortnightly payment of $1,500 (before tax) through their employer. It’s intention is to ensure employees and employers remain connected and promises to assist businesses restart quickly when the crisis is over. We’re all about answering your questions here on Small Biz Matters. Many of you want to know about the timing of the stimulus package, the amount you can expect and the mechanisms the government will be using to ensure the right businesses get the right amount. Will it be fair? Will it take a long time? And of course the HOW will it work? We have a powerhouse line-up today: Kate Carnell is the Small Business and Family Enterprise Ombudsman fighting for small business and some may argue responsible for many of the stimulus measures and later at 9:30am, Deborah Jenkins is Deputy Commissioner with the ATO - the agency responsible for administering and distributing the funds to you, the small business owner. Questions for Kate Carnell: Many small businesses have swiftly pivoted their roles and responsibilities in recent weeks. No doubt you’ve been doing the same as head of ASBFEO; why is the role of advocate for small businesses in Australia more important than ever? Generally who do you engage with and has this changed? Who do you work closely with? When these big decisions are made on behalf of small business; who is at the table and what role does ASBFEO play? What sort of queries is your office getting from small businesses as they seek support? Have these changed? What do you believe will be the focus to support small business in the next 1-2months in the midst of the COVID-19 pandemic? Questions for Deborah Jenkins: What is the ATO doing to support businesses experiencing a downturn or difficulties as a result of COVID19? How does the cash flow boost work (generally) Who is eligible for the cash flow boost? What about sole traders? Tell me about the timing of the cash flow boost? What about those businesses who have a lodgment deferral in place due to the bushfires etc What can you tell me about JobKeeper? What should small biz do who are overwhelmed / need support / need more time to lodge / pay / mental health issues? Can small businesses get early access to their super? Tell me more about the extension to the Instant Asset Write-Off Deborah Jenkins is Deputy Commissioner, Small Business at the ATO. As part of this role she has responsibility for management of the Goods and Service Tax (GST) product for the ATO and the ATO’s Black Economy program of work. Deborah and her team work in partnership with tax practitioners, business, industry bodies and other organisations to create an environment that supports sustainable and viable small business to thrive. Across the ATO she has responsibility for the small business experience, as well as engaging with, educating, assisting and guiding taxpayers through contemporary products and tailored services. She has a strong focus on making it easy for small businesses to operate using digital products and services. She was previously Assistant Commissioner, Indirect Tax looking after GST interpretative assistance and financial services risk. Prior to joining the ATO, Deborah was a partner at a large advisory firm where she advised domestic and international clients across all industries on GST related matters. A passionate and dedicated professional, Deborah has previously been named as one of the International Tax Review Leaders for Australia. She also has multinational experience through her work in both New Zealand and Europe. In New Zealand she worked for both the public and private sectors.

In this week's episode, we chat with Kate Carnell the Inaugural Small Business and Family Enterprise Ombudsmen. We chat about Kate's own journey as a small business owner and gain insights into what makes a successful business and why more women should consider being business owners. To learn more about the role of the ombudsmen head to https://www.asbfeo.gov.au/about/the-ombudsman

We bring you the next instalment of our coverage of the IPA Deakin Small Business: Big Vision event, marking the last podcast for this year. The team at Public Accountant welcomed former small business minister Bruce Billson and Professor Charles Matthews from the University of Cincinnati. Mr Billson speaks about the US experience, the small business environment here at home, and the role of the ombudsman Kate Carnell, while Dr Matthews underlines the importance of innovation and how AI is changing the nature of work. Don't forget to write to us with your suggestions and questions at onevoice@theipagroup.org.

Kate Carnell joins Angela for a Brew! Is she a flat white or long black? We are about to find out. Kate talks about her career beginnings as a pharmacist, her involvement in mental health, and what she's focusing on in her role as the Australian Small Business and Family Enterprise Ombudsman.

Small Biz Matters – a half hour program each week where you can work ON your business rather than IN it.with Alexi Boyd from Boyd Office Management ServicesDate: 29 October 2019 Back in July, I interviewed Kate Carnell, Lielette Calleja, Director of All That Counts and Peter Langham, CEO of Scottish Pacific who collectively launched the new Business Funding Guide. It was refreshing to see industry heavyweights Scottish Pacific using their data collected from years of small business reporting for the power of good. When the office of the Australian Small Business and Family Enterprise Ombudsman noticed a trend they decided to work with Scottish Pacific to develop a framework to support small business in becoming financially fit. It’s a great guide; assisting small business to understand the how, the why and the practical strategies to prepare for funding applications – no matter the funding you’re seeking. So what is the Small Business Funding Guide and how can it help my business to access much needed capital injection? Today we bring together three experts in their fields to help you the small business owner to understand what a guide like this one can do to educate you about being financially fit, the different types of small business funding out there and what it can do to really grow your business. Lielette Calleja from All That Counts is a seasoned finance professional and accounting advisor who knows at the front line what it’s like to see business rise and fall. David Rose is here from Scottish PAcific to tell us about how and why the guide came about and we also welcome Harry Grewal, the co-founder of Hiller’s Transport to share with our listeners the journey he’s been on as a hugely successful small business owner. Welcome to the show Harry, Lielette & David. Topics we’ll be covering: David, tell us about how this funding document came together and why you’ve partnered with Kate Carnell’s office to deliver this guide About the Guide Why Kate’s office? What Scottish Pacific’s research into small business funding was telling you about the collective needs of small business? Why partner with business advisors to get this message out? Lielette, you often ride the waves with small business owners and can see first hand what a lack of funding expertise and access to capital can do to In practical terms, what does it mean for a business to be financially fit? How do you as the business advisor deliver this guide? In your opinion what can this guide deliver to the typical small business owner Harry, tell us about your small business journey and what a guide like this would have meant to your business as you were growing Did you always consider yourself to be financially fit? What’s the best advice you can give a small business growing too fast? What’s the biggest mistake you made when in a growth phase? All When is the best time to seek funding? When should you NOT be seeking funding? Why is it important to be mindful of your mental health fitness in this process? To find out more go to their websites: https://www.asbfeo.gov.au/resources/business-funding-guide BIOS: David Rose is a senior member of Scottish Pacific’s executive team. Since arriving in Australia from London, David has more than 25 years of experience in the Australian financial services sector and has held senior management roles with Commonwealth Bank Group (CBA), National Australia Bank and PricewaterhouseCoopers.   Prior to joining Scottish Pacific in November 2016, David was Head of Finance for the Technology and Operations Division of CBA and before that was CFO for Bankwest Retail during their national expansion.  David holds a Bachelor of Science from Manchester University in the UK and is a qualified ACA and member of Chartered Accountants England and Wales. Lielette Calleja is the 2019 Accountants Daily Editor's Choice Winner & a Small Business Accounting Advisor with All That Counts.

Small Biz Matters – a half hour program each week where you can work ON your business rather than IN it.with Alexi Boyd from Boyd Office Management ServicesDate: 6 August 2019 The Launch of ASBFEO & Scottish Pacific’s FitsME Essential Guide to Business Funding On 29th Jul 19 Small Biz Matters interviewed Kate Carnell, the Australian Small Business and Family Enterprise Ombudsman, Lielette Calleja, Director of All That Counts and Peter Langham, CEO of Scottish Pacific who collectively launched the new Business Funding Guide.  It was refreshing to see industry heavyweights Scottish Pacific using their data collected from years of small business reporting for the power of good. When the office of the Australian Small Business and Family Enterprise Ombudsman noticed a trend they decided to work with Scottish Pacific to develop a framework to support small business in becoming financially fit. It’s a great guide; assisting small business to understand the how, the why and the practical strategies to prepare for funding applications – no matter the funding you’re seeking. With the advice of seasoned finance professionals like Lielette Calleja the guide supports small businesses to have solid knowledge of their business’ performance and be prepared for growth. In particular the funding decision flowchart is an incredibly affective tool to understanding the complexities of small business finance. As ASBFEO’s media release stated: The biggest barrier to small business growth is access to finance. Small businesses have been feeling the brunt of the credit crunch as lenders tighten their requirements in the wake of the Banking Royal Commission. That’s why it’s so important for small businesses to understand the range of finance providers in the market and to take the steps necessary to become ‘finance fit’ so they can prove their credit worthiness to the lender of their choice. The Business Funding Guide is an industry-first publication that aims to support small businesses in their pursuit of growth and success, through their trusted advisers.

A recent report by the Australian government’s Small Business Ombudsman, Kate Carnell, indicated that more than 25% of small and medium enterprise loans are being funded by the parents of small and medium enterprise owners. The “Bank of Mum and Dad” is being forced to fund a significant amount of the loans to small and medium enterprises because of the credit crunch which has been worsened by the fallout from the Banking Royal Commission, Kate Carnell was reported as saying in a recent article in the “Financial Review”. (Click here). “Falling residential property prices are compelling the difficulty in borrowing, because most lenders require small and medium enterprise owners/shareholders to put up their houses as collateral”.     READ THE FULL ARTICLE HERE

A recent report by the Australian government’s Small Business Ombudsman, Kate Carnell, indicated that more than 25% of small and medium enterprise loans are being funded by the parents of small and medium enterprise owners. The “Bank of Mum and Dad” is being forced to fund a significant amount of the loans to small and medium enterprises because of the credit crunch which has been worsened by the fallout from the Banking Royal Commission, Kate Carnell was reported as saying in a recent article in the “Financial Review”. (Click here). “Falling residential property prices are compelling the difficulty in borrowing, because most lenders require small and medium enterprise owners/shareholders to put up their houses as collateral”.     READ THE FULL ARTICLE HERE  

I’m referring to the Prime Minister’s announcement that he has instructed Australian government departments to ensure that invoices, submitted by small/medium enterprises to a government department, are paid within 20 calendar days.   That’s great news and I’m sure many small/medium enterprises will be monitoring their payment records to ensure that the government departments are paying them within the time stipulated by the Prime Minister.   The Prime Minister’s comment that small business should “not be used as a bank” is welcome news for SMEs.   It is an acknowledgement that the Australian government takes too long, or has not always paid its bills on time, which has hurt small businesses.   The government’s reaction is in response to the Australian government’s Small Business and Family Enterprise Ombudsman – Kate Carnell’s criticism about late payment by federal government departments contributed to Australia having been awarded a very dubious title of having the “longest debtors’ days outstanding in the world”.   Whilst the Prime Minister’s announcement is welcome, big business has a significant role to play in paying invoices on time as well. It would be great if Kate Carnell could influence big business to pay their invoices to SMEs within 20 days as well!   Small/medium enterprises’ managements also have a significant role to play in reducing their debtors’ ledgers.   Many larger businesses complain that small/medium enterprises do not help themselves in that they lodge tax invoices without all of the required documentation and this delays the payment process. Another complaint is that the tax invoices are not submitted within the lodgement timelines that the customer has established that, if abided by, would ensure payment was made within the stipulated time.   This opens up a tremendous opportunity for accountants and business advisors if you are committed to undertaking business advisory services on behalf of your clients.   One of the services that I believe you should be offering to all of your business clients is a regular debtors’ system review (at least annually). This would involve undertaking a review of the systems that your clients are using in all aspects of the control of debtors, including the regular calculation of the debtors’ days’ outstanding figure that applies to the client’s business.   The review would include checks to ensure that all invoices are being sent promptly to their customers and that every month the calculation is made as to what the debtors’ days outstanding figure is and that management is aware of that calculation and takes prompt action to review what is happening if the figure has blown out.   These small/medium enterprises will really benefit from their accountants/business advisors undertaking a due diligence review on their debtors’ processes and formulating an appropriate debtors’ management system for their businesses.   The SME Debtors’ Systems Manual, supplied by ESS BIZTOOLS, is a template that an accountant can edit to create a “personalised debtors’ system” for an individual client. This manual will greatly assist the person who is responsible for the administration of debtors within the client’s business.   This is proactive business advisory services work for accountants which will contribute to an improvement in small/medium enterprise businesses’ cashflows. This involvement by you will also contribute to the creation of a “new income stream” within your accountancy business.   ESS BIZTOOLS has two product packages available to assist accountants in this process: Debtors’ Management Product Package (Click here) for additional information. SME Debtors’ Systems Manual (Click here) for additional information.   We have a free article available for you “Debtors’ Days Outstanding Silent Killer of Modern Business”.   If you require any additional information on the Debtors’ Management Product Packages available to assist accountants/business advisors to supply value adding services to small/medium enterprises to assist in the reduction of debtors’ days outstanding, please do not hesitate to contact us.  

Australia earned a very dubious title a couple of months ago that Australia has the worst debtors' days outstanding in the world.  Not a very attractive title to win.  I'd rather win the world cup!  But we have won the dubious title of having the highest debtors' days outstanding in over 80 countries.   The Australian government's Small Business Family Business Ombudsman, Kate Carnell has described this as the "silent killer of modern business".   She has indicated that she is going to talk to government departments and big businesses about improving their debtors' payments.  However, I believe there is another contributing factor to this problem and that is unfortunately, many small/medium enterprises do not have effective debtors' systems in operation.  This has occurred because many of you were not able to get appropriate advice at the time when you started business and you didn't know the intricacies of what's involved in appropriate debtors' management.

A very unwanted title has been awarded to Australian small/medium enterprise operators with the announcement that Australian small businesses have the “largest debtors' days outstanding in the world".  (Download Australian Financial Review Article) The survey was conducted by UK-based “Market Invoice” which found that Australian businesses were being paid 26.4 days later than the traditional payment period, far later than the next latest country, Mexico with 18.6 days or South Africa with 16.5 days late. Based on the traditional 30-day payment terms this means that Australian small businesses are being paid on an average of 56.4 days which the Australian Government Small Business Ombudsman, Kate Carnell described as the “silent killer of modern business”. Ms Carnell said that “in Australia more and more small businesses are falling victim to the unscrupulous payment practices of some big businesses – and even government departments – that are quite frankly a drag on productivity”.

Kate Carnell is the former minister of the the ACT and is now the Small Business and and Family Enterprise Ombudsman. She has had to tackle very public challenges, not only with poise, but a strong ethical core with a commitment to making a difference and doing her best.