Find Geelong - July Edition 2021 by Find

Geelong The

JULY 2021

WHAT’S INSIDE: 04

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

NOT-FOR-PROFITS EVENTS & ARTICLES

RENTAL LISTINGS FREE ADVERTISING

GEELONG COUNCIL NEWS

FIND BIRTH, DEATHS & MARRIAGES

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER GEELONG

FREAK 1 IN 100 YEAR STORM REEKS HAVOC ACROSS VICTORIA

MarkMogato

SEE PAGE 04 FOR THE FULL ARTICLE

info@findaccountant.com.au| www.findaccountant.com.au

PLATINUM SPONSOR

DEB FRIBBINS

ALLAN HOULISTON

BUSINESS COACH

FINANCE BROKER

deb@debconsulting.com.au

allanh@aislingfinancial.com.au

www.developingexcellenceinbusiness.com.au

www.aislingfinancial.com.au

JULY SPONSOR

COLUMNIST CONTRIBUTORS ACCOUNTANT| FOUNDER

TEAM/LEADERSHIP COACH

WARREN STRYBOSCH

SALLY HIGOE - FACILITATOR

GARAGE DOORS

SALARY PACKAGING

CHANTAL DJURIC BOOKKEEPER

LAWYERS

JOHN VAN BEVEREN

MARY-CLARE SWITZ

STEVE DAHLLOF

WEB DEVELOPER

BUSINESS COACH

ADAM SIMS

DEB FRIBBINS

FINANCIAL PLANNER

GENERAL INSURANCE

MARK KRUGER

NICOLE NELSON

DAN NICHOLLS VIDEO CONSULTANT

PAINTING & DECORATING

ZOË WOOD

LIFE COACHING

PROPERTY SERVICES

FINANCE BROKER

BUILDING INSPECTOR

LOUISE LUGSDIN

DANIEL TOMLINSON

ALLAN HOULISTON

Are you our next Building Inspector

Geelong The

EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 editor@findgeelong.com.au PUBLISHER: Issuu pty Ltd POSTAL ADDRESS: 248 Wonga Road, Wararnwood VIC 3134 ADVERTISING AND ACCOUNTS: editor@findgeelong.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SPORT: editor@findgeelong.com.au WEBSITE: www.findgeelong.com.au

OUR NEWSPAPER The Find Geelong was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-For-Profits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Geelong has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS GEELONG The City of Geelong is one of Victoria’s largest regional capital cities. Geelong had a population of approximately 230,000 as at the 2019 Report which includes 16,000 businesses. Geelong’s location is in strong growth corridor, making it an ideal location for businesses to explore options outside of the capital city.

ACKNOWLEDGEMENT The Find Geelong acknowledge the Traditional Owners of the lands where Geelong now stands, the Wadawuarrung people of the Kulin nation, and pays repect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community.

DISCLAIMER Readers are advised that the Find Geelong accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

ADVERTISING RATES (INCLUDE GST) Available Sizes:

Rates:

• Double Page Spread (408 x 276mm)

$1650

• Full Page (198 x 276mm)

$1100

• Half Page Landscape (198 x 138mm)

$715

• Half Page Portrait (95 x 276mm)

$715

• Third Page (189 x 90mm)

$550

• Quarter Page (97 x 137mm)

$440

• Business Card Size (93 x 65mm)

$275

• Ads Smaller than (85 x 55mm) and Below

$121

• Design Services We can Create your ad for you. Prices start at $77 for the very first hour and $22 for each other thereafter.

NEXT ISSUE Next Issue of the Find Geelong will be published on Friday August 6, 2021. Advertising and Editorial copy closes Monday August 2, 2021.

findgeelong.com.au

JULY 2021 | FIND GEELONG

About the Find Geelong By Warren Strybosch

The Find Geelong is a community paper that aims to support all things Geelong. We want to provide a place where all NotFor-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-and-coming events in the Find Geelong for Free. We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month. We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area. To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you. Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate. Follow us on facebook (https://www. facebook.com/findgeelong) so you keep up to date with what we are doing. We value your support, The Find Geelong Team.

Resources Exports Soar Towards New Record Informal import restrictions by China have seen thermal coal miners pivot to other customers hit by the very cold northern hemisphere winter. Thermal coal exports fell from 213 million tonnes in 2019/20 to a forecast 194 million tonnes in 2020/21, but are expected to recover to 212 million tonnes by 2022/23 as Asian economies recover. Thermal coal export values are forecast to be $17 billion in 2021/22, down from $20 billion in 2019/20. Paul Osborne (Australian Associated Press)

Australia’s resources and energy exports are expected to hit $334 billion in the next financial year, a new study shows. The federal industry department’s Resources and Energy Quarterly report released on Monday said commodity prices had gained momentum in the first half of 2021. Iron ore, LNG, thermal coal and base metals have reached multi-year highs.

In 2020/21, Australia’s resources and energy exports are estimated to reach $310 billion, up more than six per cent on the record set in 2019/20. This figure is forecast to rise to $334 billion in 2021/22. Iron ore export earnings are estimated to rise by 45 per cent to $149 billion in 2020/21, accounting for almost half of Australia’s resources and energy exports. Australian metallurgical coal miners are benefiting from a surge in world steel production.

LNG export earnings are forecast to increase from an estimated $33 billion in 2020/21 to $49 billion in 2021/22. However, an easing of global economic growth and softer prices are expected to result in total resources export earnings dropping to $304 billion in 2022/23. “Australia’s energy and resources sector has remained safe and reliable suppliers to domestic and global markets throughout the pandemic, helping to underpin economic growth and overcome the challenging trade conditions of the past year,” Resources Minister Keith Pitt said. JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Deforestation Caused By Extreme Weather Events NATURE & CONSERVATION By Liz Sanzaro

Our recent disaster has many people blaming trees. A knee jerk reaction is to remove any that appear to threaten your property without expert arborist inspection. This may not be the best idea. Just over 12 months ago we got our first taste of extraordinary winds. They went through sections of the outer east and the Dandenong ranges. We saw how devastating this could be with the old Golf Links estate adjacent to Dorset road taking the full force and mature canopy trees fell across gardens powerlines and in some cases houses. It is not melodramatic to suggest that repeat events like this will result in deforestation, demonstrating to us the effects of Climate change. As the gales of wind hit, they find opportunities like gullies and ridge peaks where they can gather speed. Trees even those 100 years old stand no chance against 200 km per Hr winds from a generally unusual direction. Unlike European trees Eucalypts do not have a long tap root, but are surface rooted in a thin layer of forest litter and soil where they can absorb the most rainfall. They do this around the drip line, which is just like an umbrella that drips around the perimeter. With trees this is the outside edge of their canopy. This is why the tree protection zone should never be impacted by buildings, vehicles or any other covering that prevents rain from entering the ground. Once the first trees fall so will the adjacent ones like dominos. As trees grow from saplings, they are supported by nearby ones much like penguins gather in clusters to keep warm. Take out a few penguins amongst the cluster and others are vulnerable to natural forces. Tree colonies are very similar. This latest enormous loss has left the remaining trees very vulnerable to collapse. After last year’s loss, this latest event has taken out trees that were left vulnerable; they have now succumbed. Parts of the ranges are totally flattened. Many Councils have lent a hand and have their tree experts, assessing the trees left to see if they are dangerous. Some residents will be thinking that any tree within 50 meters of their house should be removed. These people are probably

Image courtesy of Brisbane times better off leaving the area and living elsewhere. It is perfectly understandable that they don’t wish to experience a repeat performance. However, those who are prepared to live among trees while also paying higher insurance fees will understand how important the trees are. Trees are our lungs, they are carbon sinks absorbing CO2, they modify temperature both hot and cold, they provide habitat for birds of all kinds from king parrots to kookaburras and tiny wrens. In the under storey are lyre birds, wombats, echidnas,

kangaroos, lizards and a myriad of other creatures that we value highly. Their roots also stabilise the land helping prevent land slip or erosion. Ensuring regeneration of the ranges is the next challenge, after removal of tonnes of debris that, if left to dry out, will become perfect fuel for any fire. Putting power underground is also a timely method of ensuring power is not so vastly affected in future, and this is being done in some locations where the entire power grid is so badly damaged that it must be totally rebuilt.

findgeelong.com.au

JULY 2021 | FIND GEELONG

Once this disaster is in hand, replanting will be necessary, including in Maroondah. We are lucky to have two native Nurseries, CRISP in Greenwood Avenue Ringwood and Candlebark Nursery on the corner of Hull road and Taylors road Mooroolbark, just uphill from the CFA. These two nurseries grow plants from local species through seed collection. People who work at these nurseries are volunteers with great knowledge to assist you in making suitable choices for your property. There are trees that do not grow too tall, above the roof line, and a variety of other plants to choose from. If you have a nearby reserve you can join in planting, the best contact for being included is Derek who can point you to a reserve near you. His number can be found on Croydon Conservation FB page under announcements. Or if using a computer try www.croydonconnservation.org.au click on Volunteer at the top RHS then click on reserves.

Warrien Reserve volunteers Maroondah

Your Future, Your Super: Employees can use their current super fund when moving jobs

insurance premiums that were being deducted without my consent or knowledge. Only when I received the annual statement did I realise I had lost my money. The setup of the new super fund can result in additional fees and a loss of super through default insurance fees being deducted each month. With the new changes about to take place, employers will need to get their heads around these new laws. Key points of new legislation:

By Warren Strybosch

Australia’s superannuation system is set to change again from 1 July 2021, with a set of reforms that aim to increase retirement savings and target unnecessary fees. The ‘Your Future, Your Super’ reforms, now law, are to come into play at 1st November this year, and will help to reduce the number of super funds being set up by employers for their new employees.

In the past, when people would move to new employment, the new employer was able to set up a new super fund even if the employer supplied them with the Standard Super Choice form. I know, it should not happen, but this had happened to me even after I supplied the Choice form twice to two different people within the same company albeit about 10 years ago. I basically lost $800 over a 12-month period from fees and

•

To prevent unnecessary multiple super accounts, new accounts won’t be automatically created when people change jobs

•

This impacts how businesses onboard new employees, depending on whether they make a choice of super fund

•

There are six million multiple super accounts held by 4.4 million people – this equates to $450 million in unnecessary fees as a result of these multiple accounts

Note: At the time of writing, these reforms are yet to be passed into law.

Employers: Don’t forget - SGC is now 10%. JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

cause as well as from all types of cardiovascular disease, coronary heart disease, stroke, cancer and lung cancer.

Low exercise, poor sleep raise health blow (Australian Associated Press)

The combination of poor sleep and lack of exercise is a double whammy that’s putting people at great risk of developing life-threatening diseases, according to a University of Sydney study. The large long-term study that’s published in the British Journal of Sports Medicine on Wednesday, found “a likely synergy between physical activity and sleep”. Both physical inactivity and poor sleep have independently been associated with a heightened risk of death and cardiovascular disease and cancer, but it hasn’t been clear if they might have a combined effect on health. “We found those who had both the poorest sleep quality and who exercised the least were were most at risk of death from heart disease, stroke, and cancer,” lead author and PhD candidate Bo-Huei Huang said.

Senior author and research program director, Professor Emmanuel Stamatakis said the research was particularly pertinent because “sadly, our society suffers from both a physical inactivity and a poor sleep crisis”. “Considering that physical activity is perhaps more modifiable than sleep, our study offers people more health incentives to be physically active and provides health professionals with more reasons to prescribe physical activity to patients with sleep problems,” he said. The researchers drew on information provided by 380,055 middle-aged men and women taking part in the UK Biobank study the long the long-term health of more than half a million 37 to 73-yearolds, who were recruited between 2006 and 2010. Participants’ health was tracked for an average of 11 years up to May 2020 or death, to assess their risk of dying from any

Those who were younger, female, had lower body mass index, were better off financially, ate more fruit and vegetables, spent less of their day seated, had no mental health issues, never smoked, didn’t work shifts, drank less alcohol and were more physically active tended to have healthier sleep scores. The lower the sleep score, the higher were the risks of death from any cause, from all types of cardiovascular disease, and from ischaemic stroke. Compared with those with the high physical activity and healthy sleep score combination, those at the other end of the scale, with the no moderate to vigorous physical activity and poor sleep combination, had the highest risks of death from any cause (57 per cent higher). They also had the highest risk of death from any type of cardiovascular disease (67 per cent higher), from any type of cancer (45 per cent higher), and from lung cancer (91 per cent higher). Lower levels of physical activity amplified the unfavourable associations between poor sleep and all health outcomes, except for stroke. The researchers concluded that physical activity levels at or above the WHO guideline threshold “eliminated most of the deleterious associations of poor sleep with mortality”. The findings lend weight to efforts to target both physical activity and sleep quality in a bid to improve health.

Casuals Will Soon Be Able To Get Super Even If They Earn Under $450 Per Month By Warren Strybosch

It doesn’t matter whether you have a full time, part-time or casual job, if you’re over 18 and you earn more than $450* (before tax) in a calendar month, your employer should pay super contributions for you. If you’re paid an award wage and earn less than $450* per month, your employer may have to pay super for you, but some organisations don’t have to. For more information, go to the Australian Tax Office’s (ATO’s) Employee superannuation guarantee (SG) calculator tool. If you are under 18 and working less than 30 hours a week and earning less than $450*, your employer does not have to make superannuation contributions for you. *Note: The Government has announced it plans to remove the $450 minimum income threshold for super contributions, but this is not yet law.

findgeelong.com.au

JULY 2021 | FIND GEELONG

Mortgage Brokers & Financial Institutions Top The Complaints List In 2021

By Warren Strybosch

Home loan issues and credit cards related to lending were the most complained about product issues for the financial year ending 2021, according to AFCA. A lot of this issues stemmed from responsible lending issues; in otherwards, there were irresponsible decisions made by brokers and lending institutions and consumers suffered. In 2021, according to the external dispute resolution scheme, there were 70,150 complaints, with over 40 per percent made about credit products. This is a substantial increase compared to previous years. This may be due in part

to the fact that consumers are becoming more aware of their rights under ‘best duty’ and/or responsible lending. Also, with AFCA doing their road shows in 2020 and making people aware of their services, this may have been a contributing factor to increased complaints in these areas. Issues with mortgages were high up on the complaint list, comprising 9 per cent of all credit product complaints, making them the second-most commonly complained about credit products, after credit cards. According to AFCA, after default listing issues, the four most commonly received credit complaints related to:

• • • •

Financial firms failing to respond to requests for assistance (2,678 complaints) Service quality (2,554 complaints) Incorrect fees/costs being charged (1,894 complaints) Responsible lending (1,698 complaints)

It is important to deal with reputable brokers when seeking advice about home loans. Allan, from Aisling Financial (https://aislingfinancial.com.au/), is one such broker and regularly writes a column for the Find Geelong. Give Allan a call when seeking finance advice.

Finance with a different accent... Services Residential Investment Loans Commercial Loans

ALLAN HOULISTON

Contact 0405 140 003 Office address: 5/329 Pakington Street, Newtown, Vic, 3220

Vehicle and Asset Loans

info@aislingfinancial.com.au

Self-Managed Super Fund Lending

www.cruzingaragedoors.com.au

Finance Broker

The name Aisling is derived from the Celtic word for ‘dream’ or ‘vision’. Our company’s vision is that all our clients receive advice tailored to their individual goals and objectives, which will enable them to achieve their financial dreams. JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Smsf And 6 Member Funds – An Australian Taxation Office’s Interim Solution To Add The 5th And 6th Member By Warren Strybosch

SMSF can now have up to six (6) members after the Treasury Laws Amendment (Self Managed Superannuation Funds) Bill 2020 received royal assent on 22 June 2021. This measure was first announced by the Government back in the 2018 Budget, and has only just received Royal Assent a few weeks ago. As such, the ATO does not currently have the Australian Business Register (ABR) system updates to allow SMSFs to register more than four members or to add a fifth or sixth member. Given the possible need for some SMSF to want to add more than four members, albeit a very unlikely occurrence given about 93% of current SMSF only have 1 or 2 members, the ATO has developed an interim solution, to allow additional members to be registered. SMSFs will need to follow existing processes to register a new SMSF through the ABR, to include members one to four. Trustees will then be required to lodge with the ATO, a paper “Change of Details for superannuation entities form” (NAT3036) to provide the details of member(s) five and/or six. Once processed, the ATO will update their systems to allow members to request rollovers into their SMSF. Once the ABR functionality caters for the law change, the ATO will proceed to update an SMSFs details, with no further action required from the trustee(s). It is important to acknowledge that the need for manual intervention by the ATO does raise the risk that impacted SMSFs may face delays in registering their fund or additional members. For this reason, the ATO is encouraging SMSFs to wait till the ABR is updated. Where possible, this may be a sensible option. For more information from the ATO, Click here to visit their website.

Special Tax Return Offer

1300 88 38 30

$99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation

findgeelong.com.au

JULY 2021 | FIND GEELONG

• •

Work-Related Expenses On ATO Radar Amid Spike In People Working From Home ACCOUNTANT By Warren Strybosch

It is tax time again and accounting firms are busy sending out tax checklists or making contact with their clients to start the process of completing last year’s financial returns. This year, the Australian Tax Office (ATO) has announced that they will be taking particular note of work-related expenses, especially those associated with working from home. Last financial year over 8.5 million people claimed nearly $19.4 billion in work-related expenses and it is expected this to be significantly larger for 2021. Australian Taxation Office assistant commissioner Tim Loh says the COVID-19 pandemic has changed people’s work habits, so he expects their work-related expenses will reflect this. “We know many people started working from home during COVID-19, so a jump in these claims is expected,” Loh said. “But, if you are working at home, we would not expect to see claims for travelling between worksites, laundering uniforms or business trips.” Many people do not realise but the ATO has sophisticated software that can compare everyone’s expenses against other people working in the same industry. If one person has an expense that falls outside of the ATO’s deemed parameters as to what is considered reasonable to claim, then expect a ‘please explain’ from the ATO.

As an accountant, I remember receiving one of these phones calls a few years back because one of our clients was lecturing and it was his second income. As such, the client did not nominate the tax-free threshold and elected to pay more tax from his income. The ATO rang to discuss why this particular client had more tax withheld compared to his counterparts at the same university. After a brief explanation and having to send in documents to verify the tax withheld was legitimate, the ATO processed the return. You see, everyone else within the organisation had elected the tax-free threshold and so this particular client’s income and tax withheld figures did not match everyone else and set off a flag to the ATO to investigate. Many accountants are now asking for proof e.g., invoices or receipts, when it comes to certain expenses. Other accountants are asking clients to sign an expense declaration if receipts cannot be produced. At the end of the day, you are responsible for any claims you make to try and reduce the amount of tax payable. “We will also look closely at anyone with significant working from home expenses, that maintains or increases their claims for things like car, travel or clothing expenses. Don’t consider just cutting and pasting what you claimed last year into this year’s return,” Loh said.

the expenses must directly relate to earning your income you must have a record to prove it (usually a receipt).

If the expense was for both work and private purposes, you only claim a deduction for the work-related part. Work expenses your employer reimburses you for are not deductible. If the ATO thinks your employer has reimbursed you for your expenses, they might decide to ask them. You may be able to claim a deduction for expenses you incur that relate to your work, including: • • • • • •

Vehicle and travel expenses Clothing, laundry and dry-cleaning expenses Working from home expenses Self-education expenses Tools, equipment and other assets Other work-related deductions

Employees (including casuals) can claim work-related expenses in the income year you incur them. This means if you start employment in June you can claim deductions for work-related expenses you incur in June. Even if you don’t receive your employment income until the next income year. If you employ someone to assist you in your employment, generally you can’t claim a deduction for employing that person.

At Find Accountant, we provide SMSF tax advice. Our senior accountant is also an award-winning financial advisor. If you require SMSF advice or are considering whether or not to wind up your SMSF, then speak to Warren Strybosch at Find Accountant Pty Ltd.

Warren Strybosch You can call them on 1300 88 38 30 or email info@findaccountant.com.au www.findaccountant.com.au

Work-related expenses To claim a deduction for a work-related expense: •

you must have spent the money yourself and weren’t reimbursed

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Do You Know How To Build Your Team’s Resilience? RESILIENCE COACH By Sally Higoe

YEP, it’s a buzz word but the fact is, resilience is the determining factor for the success of your team... and your business. Resilience is built through attitude and through behaviour that must be lived and demonstrated. It is the ability to positively respond to pressure, to overcome adversity and it has a whole lot to do with both the mental and physical wellbeing of your team. A highly resilient team will adapt to change more effectively and will have less stressed- and burned-out employees. Some people will naturally be more resilient than others, some will need to develop it with intentional practise. The great news is resilience can be learnt and as a business you can set the tone and put processes in place to keep your team thriving and building resilience.

But how do you know how resilient your business is and how do you know who in your team is more naturally resilient and who may require that extra support?

Therefore, culture improves the bottom line of the business, creating much more financial success; because of having a positive and thriving culture.

The culture that you have created is a direct reflection of how resilient you have built your business because in the work environment, a big part of resilience comes down to the leadership and the support offered.

A supportive culture will build resilience; a higher ability to overcome challenges, more chance of ‘bouncing back’.

So, let’s look at how your culture is fairing. The culture is made up of the energy that the people bring, it’s the attitude that they have, it’s the style that the business has, the ethos of the business, the intangible stuff that you can’t really touch. Although you can’t touch it, it makes a massive impact on the experience that the team has inside the business, and a huge impact of the experience that all the customers have. Customers return when they feel they’ve had a great experience.

A great culture also really determines what kind of people work inside the organisation. If you have a crappy culture, you’re not going to attract high performers or really great people because they won’t want to work in a crappy culture. If you have a great culture, you will have a business that does attract high performing people. If you have more high performing people, your business is going to do better. Great culture... Higher resilience factor... Business doing better... Greater bottom line. Crappy culture... Lower resilience factor... Less success... Lower bottom line.

findgeelong.com.au

JULY 2021 | FIND GEELONG

The culture begins with the leader as it is the leader that determines the mission of the business, the vision of the business and most importantly, the values of the organisation. Not many businesses truly have values that they consciously live, work, hire and fire by. It is the values that determine the experience that both staff and clients have, and they also determine that standards by which the business lives and breathes. This is the essence of the culture. Why is it that you can have two coffee shops over the road from each other and one is successful, and one isn’t? Probably not because of the coffee... it’s likely because of the experience... which is the culture, which is determined by the values, standards, attitude, mission, and vision.... the intangibles. A great culture will support their people, they will have systems and processes in place that build up their team. They will empower the people inside of their organisation to step up to new levels of leadership... this empowerment builds resilience. A powerful support system will build resilience in your team. Some people will need more focus and support than others. Typically, if a team member is more confident in their abilities and/or more disciplined in their approach they may be more naturally resilient. However, these people may also

simply ‘push through’ at challenging times, seemingly holding their head high... but dissolving beneath the surface. Perhaps they need more social or family support at this time? The best way to determine a team members resilience factor is to simply ask... What?... Just ask?? Yep. Harvard Business Review states - “One of the first things you can do is establish a “resilience inventory dashboard” Check in 1 by 1 with your team and simply ask 1. How comfortable are you (insert obstacle or task here)?

The World Health Organisation states that over a quarter of people say that work is their #1 stressor! Setting up a culture of excellence means that you are setting up a culture of trust. When people feel trust, they feel valued, they feel strength, they build resilience. These team players are more likely to contribute to the overall success of your business. It’s now more important than ever to build a resilient culture to effectively support your team and ensure longevity of your business.

If you’re looking to build a resilient culture in your business and would like support around this, reach out for a chat

2. How do you plan/schedule your workdays? 3. How can I support you with any life or family commitments.” Seek out answers and provide support as necessary. To compliment that, a weekly feedback report (submitted end of week) is a powerful method to evaluate where your team are at & where to offer more support. This simply covers 3 areas1. What was achieved/completed this week

Sally Higoe Team/Leadership Coach Team Resilience Method 0490388017 sally@team-resilience.com.au

Leadership and Team Development .....Imagine a team where each individual is so strong in self that their focus is how to move together as one.... SERVICES

Leadership coaching that connects your team and drives results

LEADERSHIP COACHING & DEVELOPMENT TEAM COACHING & DEVELOPMENT BEHAVIOURAL PROFILING BUSINESS GAP ANALYSIS IN-HOUSE & ONLINE TRAINING

CONTACT SALLY HIGOE Resilience Coach Team Resilience Method 0490 388 017 sally@team-resilience.com.au

WORKSHOPS/WEBINARS

www.theresaliantcemethod.com.au

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Wills, Powers of Attorney and Estate Planning Does your business also need to be covered in a Will?

As difficult as it is to think about, we don’t want to leave the hard decisions to our families when they are grieving or suffering with our demise. Having a valid and accurate Will and other documents in place will alleviate a lot of the unnecessary concerns for the loved ones that we leave behind.

(proprietor) by application to the Land Title’s Office. But often where there is superannuation or life insurance, registrations and other matters that need to be dealt with, and appointing an executor gives them the power to act once you have passed away. Even though Probate may not be warranted given the size of the Estate, not having a Will can create difficulties for surviving relatives in dealing with Superannuation Funds and Insurance firms where policies are held in the name of the deceased.

A valid and effective Will is one that is tailored completely to you and your family needs that ensures the protection of your assets so that they pass to the beneficiaries that you intend.

To write a Will you should choose an executor who is capable and who you trust to carry out the activities required to deal with organisations and distribute your estate.

If you do not have a Will, your assets may end up with those people (for example, an ex-spouse) that you did not want to receive a benefit as you have not activated your right to say who receives your property after you die. The absence of a Will may cause expensive and timeconsuming court proceedings to be conducted to distribute your assets and creates the serious potential for family disputes - all of which could have been avoided with a valid Will.

Choosing the right executor?

Estate planning for family businesses involves a complete consideration of assets and liabilities, ownership structures and insurances to ensure that the transfer and control of assets are managed to maximise the benefit to the deceased’s estate and beneficiaries. It is important and useful to update this assets and liabilities list on a regular basis so it can be easily identifiable when you need to update your Will.

LAWYERS By John Van Beveren

A Will allows you to allocate your assets however you like – whether it is to give the whole of your estate to one or more beneficiaries in equal shares or other portions. If applicable, you can also nominate a guardian for any children to ensure they have someone that you trust to look after them when you are no longer here. You can even ask someone to look after your pet! At the same time as drafting your Will, we highly recommend that you also put in place documents that plan for any future incapacity. Powers of Attorney and Appointment of Medical Decision Maker documents ensure that if, for some reason, you become unable to make decisions about your finances, your medical treatment or living arrangements, then the person or persons who you appoint in these documents will have the power to make such decisions on your behalf without hinderance of other people.

Does the size of the Estate matter? Although small Estates do not generally require an application for Probate, we recommend that everyone who has superannuation, life insurance and assets have a valid Will that in the least appoints an executor to manage the distribution of your estate. In cases where the major asset is the family home and it is held in joint names of spouses, it can be transferred to the surviving spouse

When you are thinking of writing a Will, you should choose an executor who is capable and who you trust to carry out the activities required to deal with organisations and distribute your estate. If you do not make a Will and thus have not chosen an executor, the court will pick one for you — and it may not be the person you would want to take care of your important affairs after your passing. Where a person does not have a Will, a grant of letters of administration needs to be applied for to lawfully handle your estate. The process of obtaining a grant of letters of administration is more onerous than that require for a grant of probate as the person applying needs to prove that they are the suitable person, whereas the appointment of an executor in a Will removes this requirement.

Do you have a Self-Managed Superfund (SMSF)? Superannuation is not automatically part of your personal estate, even if you hold a self-managed fund. Superannuation is held in a trust on behalf of the beneficiaries of which you are one and it is not yours to own. The Superannuation trustee decides who receives the benefits of the fund. We have found that many clients are the trustees or directors for the trustees of their (deliberate tautology follows) own self-managed superfund and this can cause issues when the trustee dies. Compliance for Self-Managed Super Funds requires the trustee to take all necessary steps to ensure continual management of the fund given possible reasons for disruption including incapacity or death of a trustee. Mitigating such risk requires Estate planning (ie Wills and Powers of Attorney) to be in place to ensure the management of the fund in a situation where one or more trustees become incapacitated or die.

Complications can also arise with deciding who has the responsibility to continue the family’s legacy when it comes to managing business operations. These complications can be resolved through effective estate planning. One of the most common forms is to ensure the right of ownership and control are dealt with in a Will.

To ensure smooth and successful operations of a business after the death of a business owner, it essential that key roles and responsibilities are assigned to other people on the event of the death of a business owner. It is also important to make sure that the names of the people who have crucial roles and responsibilities are kept up to date, especially as family dynamics change or when a key family member dies.

When would I need to review and change my Will? You should review your Will every 2-3 years and change it after any major life event occurring. After a major life event your Will may become invalid or it may no longer reflect your wishes. Life events include: getting married or divorced, having children, buying or selling property, starting a business or the death of a named executor or beneficiary. At Van Beveren Lawyers we can help determine when and whether your Will should be updated. If you need to review your Will and want professional advice, or even create a new Will, then contact our compassionate team at Van Beveren Lawyers. Do you want to talk to a lawyer about property matters? Call JohnVan Beveren on 0429 312 986 for a free 15 minute call.

John Van Beveren LAWYER Van Beveren Lawyers 0487 044 478 www.vanbeveren.com.au

findgeelong.com.au

JULY 2021 | FIND GEELONG

Yet there are other reasons.

The Best Times to Paint Your House

You may be moving into a house that needs a bit of a refresh and a change of colour scheme, to suit your preferences. This is particularly handy to do before you move your furniture in. You may have been living i n your house for a little while, and simply feel like a change. Or, if you’ve had young kids, your walls could well be marked, and showing a little wear and tear. (There’s certainly nothing quite like the scuff marks from toys and the odd crayon disaster!) Minimising disruption

PAINTING & DECORATING By Steve Dahllof

Painting your house can seem like a massive undertaking, and one that you’d simply rather avoid. Yet, with your house most likely being your biggest asset, a fresh coat of paint not only increases its value, but also protects it from weather damage and more. Let’s look at when you might consider painting, and how you might manage it. Exterior Painting If you own a weatherboard house for any length of time, painting is clearly going to become a fairly regular, and highly essential, maintenance task. While you may be able to get away with only painting once every 10 years or so, often, it’s far cheaper and easier to repaint before the existing paint starts to diminish or deteriorate. Once your existing paint starts flaking off for instance, your weatherboards will need a lot more prior preparation to ensure a quality finish. And if you live on a coastline, being hammered by salt and sea spray, you’ll clearly be wanting to paint far more often. Brick houses may not require quite as much attention, but many old properties may still have timber window frames, and more modern houses sometimes have timber features. These also will need regular attention to keep them looking great. And don’t forget to regularly check your paintwork close up! Sometimes you won’t see the first signs of paint deterioration with that quick glance as you run out the door on a daily basis. You need to take the time to inspect it properly.

Interior Painting Interior painting tends to be more of an aesthetic consideration as opposed to protection. However, there are times when it does become imperative to paint, to protect the integrity of your walls and plaster. Your bathroom in particular needs good ventilation, but in older homes, there’s a good chance you may end up with mould and mildew in spots, such as over the shower, that really benefit from a good scrub and repaint. Otherwise though, repainting your interior is a great way of freshening up the feel and look of your home. Colour trends have certainly changed over the years. Where once darker colours and shades of beige, or ‘mission brown’ might have trended – these days, it’s generally about being fresh and light. Particularly, if you’re keen to sell. That said, a splash of colour on a feature wall can really enhance certain spaces and complement your individual personality. Painting can be highly modernising your property.

effective

When painting the exterior of your house, it’s best to do it BEFORE winter. You clearly can’t paint, or achieve a quality finish, if it’s too cold for the paint to dry, blowing a gale (and blowing dust around) or pouring with rain. Getting your interiors painted can be even trickier though, as it can cause some major disruption for a week or two. You’ll need to be able to move furniture off the walls, and either get items out of the house, or ensure they’re well covered. If you have a holiday planned, then it makes sense to get it done while you’re away. That way you don’t need to be tip-toing around wet paint and dodging the painters and their equipment. Failing that, you could see if you can stay with family or friends for a week. If however, removing yourself from the house just isn’t possible, a good professional painting company should be able to work with you to come up with a schedule to minimise disruption to you and your family. But let’s face it, a freshly painted house, can be well worth a week or two’s disruption.

Add value, add personality or get ready to sell Clearly, the number one reason for painting, particularly internally, is to freshen things up before you sell your property. Often, buyers are more likely to fall in love with a home, and are more likely to pay higher prices, if you use fairly neutral tones and give your home a more modern look. Lighter shades provide a feeling of space, light and the ability for an owner to view it as a blank canvas, that they can customise to their tastes.

Steve Dahllof PAINTING AND DECORATING Dahllof Painting services 0407 365 372 www.stevedahllofpaintingservices.com.au JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

The lawn of your dreams…or at least one you are not embarrassed of your neighbours seeing!

Tip 4 - Weed Removal Prevention

Why? • Aesthetics • Less competition for the grass of the available nutrients in the soil • Little and often to prevent spread

PROPERTY SERVICES By Daniel Tomlinson

Perfection takes time and being realistic the vast majority of the population either don’t have the time or, quite frankly have better things to do with that time than monitor and tend to their lawns 24/7. Then there is the cost, you can spend $000’s to make sure every blade of grass is in perfect health. If you are one of the 99% then this guide may well be for you! Here are five simple tips you can implement to set you on the right path and improve your lawns health. There are many different ways to care for your lawn and its always worth seeking the advice of a professional.

Tip 2 - Water regularly Why? • Promotes new growth and deeper roots • All living things need water to survive

How? • Combination of hand pulling and treatment. The market is full of great products (consult a professional on what products otherwise you could undo all your hard work, products vary depending on grass type and can be harmful) • Pre-emergent to prevent weeds from making an appearance • Post-emergent to get rid of existing weeds

How? • In the morning before the heat (not late evening as this can promote fungus with sitting water) • Depends on costs but simple as a soaker hose, sprinkler or if you want the human error taken out of this use a timed irrigation system • At least once but 2-3 times per week with a deep soak to imitate a downpour for 30-60 minutes and adjust frequency and volume according to local weather

Tip 5 – Sit back and relax. Enjoy your awesome achievement and healthy vibrant lawn!

Tip 3 - Feed/Fertilise

To this

From this

Tip 1 - Mowing Regularly Why? • Promotes new growth • Supresses weeds and prevents pests • Looks awesome How? • Don’t go too low. You might think it looks good but is not healthy in extreme heat or cold temperatures (general rule of 30-50mm) •

• •

Mulching if you have a mulching mower can act as a natural fertiliser to the lawn Weekly/fortnightly during peak growing season Sharp blades for a clean cut

Why? • Healthy growth • Required nutrients How? • Every 4-6 weeks • Use the best fertiliser you can afford. However, anything is better than nothing • Slow-release granules as per instructions to save you mixing liquids

Following these simple tips for 6 months (Comparison taken September to February)

Daniel Tomlinson Property Services Pristine Outdoor Property Services 0468 485 122 danatpops@gmail.com www.pristineoutdoorpropertyservices.com.au

findgeelong.com.au

What is

JULY 2021 | FIND GEELONG

General

Insurance? GENERAL INSURANCE By Nicole Nelson

Life is full of risks. That’s what makes it so interesting and exciting. But some unexpected events can really set you back. General insurance helps us protect ourselves and the things we value, such as our homes, our cars and our valuables, from the financial impact of risks, big and small – from fire, flood, storm and earthquake, to theft, car accidents, travel mishaps and even from the costs of legal action against us. And we can choose the types of risks we wish to cover by choosing the right kind of policy with the features we need. In general, insurance works by spreading the cost of unexpected risks among a large number of people in the same region who share similar risks. When you take out an insurance policy, you pay a monthly or annual premium. That money joins the premiums of many thousands of other policyholders and goes into a big pool of funds. With any luck, you will never need to draw on that pool. But if you happen to be one of the unlucky ones affected by an unexpected calamity, perhaps through severe weather or accident, that pool of funds can be used to help you up to the limit you have selected in your policy.

If things go wrong, your insurer may either repair or replace the items that have been lost or damaged, depending on the terms of your policy. You may also have the choice of receiving a cash settlement for the amount of money agreed in your policy.

This article provides general information

At Belmont Insurance we cover the following:

reliable, we do not guarantee that it is

• Home & Contents Insurance

and hasn’t taken your circumstances into account. It’s important to consider your particular circumstances before deciding what’s right for you. Although the information is from sources considered accurate or complete. You should not rely upon it and should seek qualified advice before making any investment

• Motor Insurance

decision. Except where liability under

• Landlord Insurance

do not accept any liability (whether

any statute cannot be excluded, we

• Business Insurance

under contract, tort or otherwise) for any

• Travel Insurance

any other person.

resulting loss or damage of the reader or

• Caravan & Boat Insurance • Farm Insurance • Strata Title

Nicole Nelson GENERAL INSURANCE Belmont Insurance Centre 419387012 nicole@belmontinsurance.com.au JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

How To Shake Off Haters!

VIDEO CONSULTANT By Zoë Wood

Trying new things for your brand (such as video marketing) can be terrifying, not just because of the time, effort, and money to get started. The number one fear that all my clients have shared with me is the fear of negative comments or BACKLASH! The idea that your videos, podcasts, blogs, or other marketing adventures will draw the attention of anonymous, nasty, and mean-spirited individuals. Why even attempt it if the risk is that high?! Well, it’s not as big of a risk as your brain might make it out to be. Here’s why: We know intuitively that any comment, whether it be online or face-to-face, is unlikely to hurt us materially. So why does it feel like it could? Why is the impact of one negative sentence never forgotten, even when weighed against the ten positive or glowing reviews? This is called Negativity bias or the Negativity effect. A quirk of human psychology where negative stimuli, such as unpleasant thoughts or stressful social interactions, have a far greater effect on our mental health and wellbeing than neutral or positive things of the same nature. It has been theorized that humans evolved this bias because it kept our ancestors safe. Safe from dangerous situations such as poisonous food sources, social ostracisation, or in-fighting. Our brains catalogue our negative memories of events,

situations, and emotions to protect us from repeating mistakes that would lead to further harm. This survival instinct has remained with us through to the present day. Your brain is trying to protect itself from perceived harm, even if that perceived harm is less poisonous snake and more keyboard warrior. Let me leave you with a good mental exercise, for when you come across Haters. They ultimately fall into two camps: meanies/bullies and hecklers. The meanies or bullies are just that. They are anonymous, they comment rude, factually incorrect, or flat-out false things in order to elicit a reaction, like the playground bully. Thanks to the internet, you can take these 3 simple steps to remove them from your life forever. Mute, report, block. Mute is removing their comment from your video. Reporting is flagging their account as harmful. Blocking is stopping them from commenting on your content again in future. The other camp are hecklers: people who may not be wrong in their comment. However, they don’t have the full picture or may have a misguided view that isn’t constructive. You are free to respond to clarify your points. You may even have a constructive conversation in the comments that boosts your engagement rate, which could have a positive impact on your social media presence. You can also remove the comment and move on. That’s your call.

Ultimately, the reason you are embarking on this new marketing journey is not for your small business, community group, or charity. It’s for your audience, your clients, and your potential customers that need to hear your message. That’s it. Any negativity that is not constructive, is just that: negativity. Are they helping their community? Are they serving your community? Are they willing to put time, effort, or money into creating helpful resources for the community? Probably not. So just remember, you are there for your audience and that’s all that matters. See our up-coming video on a stepby-step guide on dealing with haters, by searching Video Confidence Coach on YouTube. Just remember; haters are gonna hate, just shake it off, shake it off!

Zoë Wood VIDEO CONSULTANT 0430 473 204 zoe@vcc.training

findgeelong.com.au

JULY 2021 | FIND GEELONG

Get Your Webpage Kicking Goals Today! Now we have identified our webpages specific thing or things, and how we expect to measure it. But what are the steps to ensuring those measurables are achieved? Take a moment to think what steps a customer needs to take from start to finish before they successfully; • • •

WEB DEVELOPER By Adam Sims

Finally you did it! After weeks, maybe months of planning, content creation and having your webpage built, it’s finally finished, it’s over. Now you can turn your attention to other areas in your business while your webpage can do “its thing”. Great, what is “its thing”? Be specific. A webpages thing can vary depending on your business needs. Some things may include; •

Is your webpage a sales brochure intended to generate leads?

•

An informational resource for distributing critical information to internal staff or clients?

•

Or perhaps your webpage is an ecommerce platform intended to generate retail sales?

How will your webpages thing, or things discovered above be measured? •

•

Will they be counted manually every time you receive an inbound enquiry byemail, telephone or purchase transactions? Are there automated systems you could implement to help you track them? Are those systems tracking relevant and measurable metrics?

SMART goals are a simple but powerful tool that can help anyone achieve more with less.

submit an enquiry? complete a purchase? access key informational material?

Now that we have a specific understanding of what our thing or things are, how they’re going to be measured and achieved, now is a good time to make sure all these things are relevant and support your business goals. Write a few sentences describing your business goals, and how each thing or things discovered above will support them. Understanding what our webpages specific outcomes are, how to measure them, how they will be achieved and ensuring they are relevant are great, but lastly, what good are they if you don’t set a time frame to deliver them within? After all, goals without deadlines may as well be dreams. Do you expect to complete the goals by;

As you go through the list above, feel free to be creative and brainstorm a few of your own, you may discover your business needs your webpage to do more than one thing. That’s OK, go ahead, grab a pen and write them down too. They will come in handy later.

and explained how setting SMART goals can be used as an effective tool to create a set of criteria that dramatically helps people to improve the chances of succeeding in accomplishing a goal.

• • •

end of year financial quarter end of this month?

Well done! You did it. Try repeating the above exercise above a few times. It will help you makesure your webpage does more than just tick an item off your ever growing To-Do list,and grows it beyond an expensive vanity project by putting it to work. Feel free to save this article for future reference and get your webpage kicking goals today!

Be fair and realistic with the time you give yourself to complete your goals, but also be firm. It’s important to create a sense of urgency when setting goals to help ensure those goals are delivered in a timely fashion. Made it this far? It’s time to congratulate yourself for creating your first SMART goal which is (S)pecific (M)easurable, (A) chievable, (R)elevant, and (T)imley. What are SMART goals? SMART goals are a goal setting technique developed in 1981, by George T. Doran. George worked as a consultant and director of corporate planning for Washington Water Power Company. George wrote and published a paper called, “There’s a SMART Way to Write Management’s Goals and Objectives”

Adam Sims WEB DEVELOPER

aWebpage 1300 667 141 www.awebpage.com.au/#services

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Do You Own A Business And Want To Help Employees Save $$$?

SALARY PACKAGING SERVICES By Dan Nicholls

We are regularly approached by people asking if they can offer salary packaging to current or potential employees of their organisation. In my article this month I’d like to explore the types of organisations that can offer salary packaging. ANY organisation with Pay As You Go (PAYG) employees can have a salary packaging program. Given this broad definition you should definitely consider establishing a program so that employees can benefit from any available tax savings. A properly run program comes with ZERO cost to the organisation as all fees and expenses are paid by the employees, out of their pre-tax income. A business can be of any size and type, the defining factor is whether there are PAYG employees. We currently have programs with organisations with 1 employee up to thousands of employees. A modern and flexible salary packaging program assists an organisation to recruit, reward and retain employees, which is particularly critical with current labour challenges. If you currently run an organisation, then you should talk to us about setting up or modernising a program. We make it very

easy as we can do everything for you so all you need to do is contact us. There are no minimums, no commitment. Once we show employees how they can save tax, they quickly become customers!

Using The Salary Packaging People adds an extra compelling ingredient, we are right on your doorstep and readily available to sit down and discuss your requirements in person.

The Fringe Benefit Tax status of an organisation dictates what benefits are available to employees. If you don’t know your tax status, we can quickly check it for you and let you know what structure works best. We will then visit you and your employees, explain the program and do all the required paperwork. It really is a WIN WIN WIN for you, your organisation and your employees.

These should be compelling reasons for any organisation; we look forward to helping you establish a salary packaging program.

Depending on your FBT status, your employees may be able to package everyday living expenses like their mortgage, rent, credit card or household costs. They can also lease and run a car through their salary and may potentially save thousands in tax by doing so.

KEY TAKEAWAY Any organisation with employees paid through PAYG can offer salary packaging, regardless of their size and structure. This allows employees to potentially save thousands of dollars in tax every year and at no cost to the organisation.

If you have any questions relating to this or any other aspect of salary packaging please do not hesitate to contact us on 03 5229 4200.

Why? The reasons an organisation would offer salary packaging are simple:• Give employees the choice to structure their salary with non-cash benefits • Give employees access to potentially save thousands of dollars in tax • Be an employer of choice – be on a level playing field with larger organisations • Recruit and retain employees easier • Potentially reduce workcover premiums

Dan Nicholls SALARY PACKAGING SERVICES Salary Packaging People 0400 479 998 dan@salarypackagingpeople.com.au

findgeelong.com.au

JULY 2021 | FIND GEELONG

Is it time for a HABITS audit? How healthy are your habits? pattern of medium complexity, such as waking up early. Changing and developing these types of new, small habits will change your life in a big way. (Brian Tracey) We all have a combination of both healthy and unhealthy habits. A habits’ audit enables us to really assess our habits and their quality and provides us with information regarding whether we need to make some adjustments and amendments. What is a Habits Audit?

LIFE COACH & COUNSELLING By Lou Lugsdin

Habits are things we do consistently, consciously, and subconsciously! They are so automatic, that sometimes we are not even aware of them or that we are doing them. Because our habits just happen, often without conscious thought, it is a great idea to do a habits audit, to really assess the quality of our habits and make any necessary changes pending what you discover. Have you ever thought about your own habits? Are you able to list some of your habits? What are some things that you do automatically without even giving it a thought? Have you ever considered which of your habits are healthy and which may be unhealthy? Many of the habits you have now were most likely established and have developed since childhood and it may seem almost impossible to change them considering how automatic they are. But the good news is, according to experts, it takes about 21 days to form a new habit

It is simply, assessing our habits. A habits audit makes us stop and take notice of as many of our habits as possible, so that we become more consciously aware of what we do and when. This can be done by documenting in a journal dedicated to habits. We then list as many of our habits as possible and then decide which ones are healthy and which ones are unhealthy. From there, decide on which habit/s need to be replaced or removed to promote healthier living. And, how about introducing a new healthy habit into your life? Consider – These questions are just to get you thinking and started. What side of the bed do you sleep on? What time you get up every day? Do you set an alarm? Do you hit the snooze button? What do you do when you first get up in the morning? What is your morning routine? Do you exercise? When? For how long? What is your night routine? What is your sleep routine? Do you put milk in your coffee cup before or after the hot water? When do you brush your teeth? What types of food do you eat, and not eat? When do you eat? Do you snack? When do you have takeaway? How often do you use technology? What about social media? Do you procrastinate? When? Why? What do you do? What routines and schedules do you have?

How do we introduce a new habit? Habits are initially effortful and then become automatic the more we do them and practice them. After all, practice makes permanent! We need to plan, practice, and practice some more, review, reflect, practice some more, and continue to practice and review until the new habit becomes automatic. Important Steps to Habit Formation •

Mindset Matters – We need to have a growth mindset.

•

Clarity – We need to know what habit we want to introduce and why.

•

Planning – We need an action plan that includes the key steps, resources required, identification of possible obstacles and barriers.

•

Surround yourself with habit forming content like podcasts, books and TED Talks.

•

Track progress and review on an ongoing basis.

•

Act and practice your new habit every day for a minimum of 21 days.

Mastering anything takes persistence and deliberate practice. Everything you are today, and everything that you will ever accomplish is determined by the quality of habits that you form. So, it is well worthwhile to have healthy habits!

Lou Lugsdin MyY Life Coach and Counsellor 0408370757 info@my-y.com.au JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Targeting Your Ideal Client BUSINESS COACH By Deb Fribbins

Every business needs 4 key elements 1. Feet through the door 2. Sales 3. Profit 4. Brand awareness Not all products or services appeal to everyone. Although sometimes they perhaps should. For instance, everyone of working age should have a Will and Power Of Attorney. Try telling that to an 18year old. They are completely invincible. An advert will not get them to change their mind. This then forces our entrepreneurial skills into overdrive. They are decidedly not the ideal market for this product. Most business have an “ideal client” that they would be directing their marketing through. The 80/ 20 rule, or the Pareto Principle, asserts that 80% of outcomes result from 20% effort in almost all businesses This 20% needs to be very clearly directed to maintain your position in the market. The other 80% will then be all the icing on the cake to raise your profile to a wider market in brand awareness, product selection and profitable sales. This in turn will grow the core business as they become part of the ever growing 80%.

Knowing how to identify that core client is crucial to success. These clients will then be the best marketers as they proport the virtues of the products they have bought and the business they bought it from. Identifying how to find these customers to target the marketing is to understand their needs. Core clients are those for whom the business solves a problem with the goods or services offered. There are two aspects to core clients, Physical needs and Emotional needs. The physical needs include Demographics, culture, education, age, gender.

religion,

Emotional needs include Time poor, convenience, support, service. We live in a WIIFM (What’s In It For Me) society. Customers are only interested in themselves. How can they get what they want, at the best price, when they want it, at the quality standard they expect for their needs.

it delivered to them? Where do they do their research into specific products? What level of education do they have? How technical can your marketing be? Are there any limitation on the goods due to Cultural or Religious considerations? What age group is most prevalent? Are they gender orientated? These are relatively easy to determine. EMOTIONAL: The emotive needs today have a high impact on the final purchase. Are the goods easy to find online and instore? We live in an instant society. Can the customers walk into your store and find what they want straight away? Do you have allied products alongside to complete the purchase? What service do they require with information, assistance with selection criteria? What follow up support do they expect? Do the goods require delivery, installation, connection, special packaging? Targeting customers needs will automatically draw them to your store or website as you address their needs.

In your research considering the target market the specific product range and assortment will also influence the logistics, display, marketing and advertising. DEMOGRAPHICS: Where are they situated? Can they get to the products they want quickly, or have

Deb Fribbins Developing Excellence in Business 400 524 451 deb@debconsulting.com.au

findgeelong.com.au

Could First Home Buyer Schemes Be Placing Borrowers in Excessive Debt? FINANCE BROKER By Allan Houliston

With the recent announcement that The Treasury has expanded the property price caps for homes purchased under the First Home Loan Deposit Scheme and Family Home Guarantee, this sounds like great news for first home buyers who are struggling to get a foothold in the property market. Could this, however, lead to a further increase in the average household debt, which is already at record levels due to the dramatically low interest rates and the increase in average house prices across the country?

JULY 2021 | FIND GEELONG

New price caps Both the FHLDS and Family Home Guarantee will operate under new property price caps. First Home Loan Deposit Scheme and Family Home Guarantee property price caps, effective 1 July 2021 Capital City

Rest of State

NSW

$800, 000

$600, 000

VIC

$700, 000

$500, 000

QLD

$600, 000

$450, 000

$500, 000

$400, 000

$500, 000

$350, 000

TAS

$500, 000

$400, 000

ACT

$500, 000

The capital city price thresholds apply to regional centres with a population over 250,000, “recognising that dwellings in regional centres can be more expensive than other regional areas”. Geelong’s growth in population from both immigration and migration from Greater Melbourne, partially off the back of the pandemic, means that it meets the capital city price threshold for Victoria. New Home Guarantee construction extension The FHLDS (New Homes) scheme (also known as the New Homes Guarantee) which was launched last year will be expanded for a second year, providing an additional 10,000 places in 2021-22. The places are specifically for First Home Buyers seeking to build a new home or purchase a newly built dwelling with a deposit of 5 per cent and a construction commencement time frame of 12 months. The price caps are as follows: Region

New Home Guarantee Price Cap $AUD effective 6 October 2020

NSW - capital city, regional centres (Newcastle, Lake Macquire & Illawara

$950, 000

NSW - other

$600, 000

VIC - capital city, regional centre (Geelong)

$850, 000

VIC - other

$550, 000

The changes take effect on 1st July 2021 and the government has substantially increased property price caps under several of its schemes aimed to help first home buyers into the market, but the PRD Real Estate Group has now argued that participants may be swapping early and/or easier access to home ownership with a debt level they may not be ready to take on.

QLD - capital city, regional centres(Gold Coast & Sunshine Coast)

$650, 000

A total of 30,000 places will be made available under the First Home Loan Deposit Scheme range of schemes in the new financial year. First home buyers will be able to Purchase a property with as little as 5 per cent of the total purchase price, by way of their contribution. The government then guarantees the loan up to 20 per cent of the purchase price. This means that the applicants will avoid paying lender’s mortgage insurance, which can be costly and can substantially increase the end debt, where it is added to the base loan amount. The government are working closely with a panel of lenders, who can operate under the scheme and each individual lender have their own parameters and credit policy that they operate with under this framework.

TAS - other

$400, 000

ACT

$600, 000

Northern Territory

$550, 000

Jervis Bay Territory & Norfok Island

$600, 000

Christmas Island & Cocos (Keeling) Island

$400, 000

QLD - other

$500, 000

WA - capital City

$550, 000

WA - other

$400, 000

SA - capital City

$550, 000

SA - other

$400, 000

TAS - capital City

$550, 000

According to Minister for Housing Michael Sukkar, new price caps for the First Home Loan Deposit Scheme (FHLDS) and the Family Home Guarantee (FHG) acknowledge the challenges of buying a new home or re-entering the housing market. And while the government’s intention might be good, PRD’s chief economist, Dr Diaswati Mardiasmo, warned of possible long-term challenges for current buyers.

With the FHLDS foreseeing a slim 5 per cent deposit and the FHG an even slimmer 2 per cent, first home buyers and single parents are essentially being asked to service a higher level of mortgage debt, Dr Mardiasmo explained. Additionally, Dr Mardiasmo said, the new price caps open up a higher probability for certain price bands to inflate, lifting prices on what was once thought of as “affordable”. “This potentially prices out the next generation of first home buyers and single parents, creating a multiplier effect of reliance on government incentives.” In addition, the Central Bank has said that it is closely watching the uptick in household borrowing for home loans but repeated that it does not, and should not, target house prices.

Allan Houliston Aisling Financial Finance Broker 405 140 003 allanh@aislingfinancial.com.au JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Concessional Contributions Cap – Increase From $25,000 p.a. To $27,500 p.a. FINANCIAL PLANNER By Mark Kruger

The new financial year from 1 July 2021 to 30 June 2022 (FY22) sees increases to some of the key super contribution caps. Super contributions can play a key role in your wealth accumulation strategy and can, in some circumstances, allow you to reduce the amount of tax that you pay. One of the key changes is an increase to the concessional contribution cap. This provides a great opportunity to review a commonly-used strategy – salary sacrifice. Salary sacrifice Concessional contributions are funds going into your super from pre-tax dollars. The government is effectively saying, if you get more money into super now, we will give you a tax break to that we don’t have to support you as much in retirement.” Think of employer contributions – you don’t pay personal income tax on those contributions. If you earn $100,000 in FY22 and you are on a ‘salary + super’ package, your employer will contribute 10% (set to gradually increase over the next few years) of your salary to super in FY22 - $10,000. That $10,000 goes towards the $27,500 annual cap. What about the remainder of the cap ($27,500 - $8,000 = $17,500)? The government allows you to claim tax deductions up to those amounts. One way is via a salary sacrifice arrangement with your employer. That means asking your employer to contribute up to the cap and to take that amount, which you won’t be taxed on, out of your salary. The table below shows how this works for a salary of $100,000.

thought “I wish I had of set up a salary sacrifice arrangement at the beginning of the year.” Well, it’s not too late. You can contribute in a lump sum if you wish and, subject to the caps and some other formalities such as submitting a Notice of Intent, claim a tax deduction. The net effect is the same as salary sacrificing. Seek professional advice regarding this to ensure that caps aren’t breached, that things are done at the right time and in the right sequence, otherwise your deduction may be forfeited.

A couple of important things to note:

This article provides general information only. It does not consider your objectives, financial situation or needs. You should consider seeking independent legal, financial, taxation or other advice to check how this information relates to your unique circumstances. MoneyRocket is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by this article.

Once funds are in super, you are typically not able to access them until you reach your preservation age (the First Home Super Saver scheme is a notable exception).

Contributions to super in this way are taxed at 15%. If your marginal tax rate is less than 15%, it may make sense to contribute to super directly from your pocket (not via an employer) as a non-concessional contribution so that the 15% contributions tax does not apply. Seek professional advice regarding this.

Beware of changing salaries. If your salary goes up or down, that will change the amount able to be salary sacrificed. There are penalties for breaching contribution caps.

The table show a net benefit to you between what you have in your pocket and in super of $4,575. Not surprisingly, because wealth isn’t created out of nowhere, the government loses out by the exact same amount. Personal concessional contributions These work in a very similar way to salary sacrificing. Imagine you got to the end of the financial year, had some spare cash and wanted to contribute to super and

The Superannuation Guarantee (employer contribution rates) are set to increase gradually each year by 0.5%, culminating in a rate of 12% by FY26.

Super contributions need to be considered along with your other financial goals. They may or may not be right for you and that may change over time. Just because it is right for your friend in an apparently similar situation, does not mean it is right for you.

Mark Kruger FINANCIAL PLANNER Money Rocket 0429 446 229

mark@moneyrocketadvice.com.au www.moneyrocket.com.au

findgeelong.com.au

JULY 2021 | FIND GEELONG

Installing a Shed Roller Door GARAGE DOORS By Chantal Djuric

There is much advice on the internet on how to install your own shed roller door. If you are thinking of installing one yourself, read on. This is a summary of what we do at Cruzin. We begin by measuring the width of the roller door against where it will be installed as the roller door curtain needs to be 100 mm wider than the opening. There has to be enough room on the side and the correct space between the wall bracket and the edge of the door curtain. After measuring accurately where the brackets will be fixed, we attach them with the appropriate equipment, depending on whether they are being fixed to brick, masonry, concrete or steel sheeting. This is not a job for the shed owner as working at heights is an OH&S issue that we take seriously. Is the chain operator a planetary geared one, a direct drive one or an electric one? Each one has specific instructions on how to be attached. This is fiddly and fraught with the potential to make mistakes. Only a trained garage door specialist will have the requisite expertise to assemble and attach it properly. Now we lift the roller door onto the brackets and loosely secure the axle to them. We never use the wall brackets to mount the door lifting gear as they are only designed to support the door. Remember, roller doors can weigh up to 200 kg, around twice the weight of most adult males. The door is now centred within the opening with the same amount of curtain overlap on each side. If the operator is an electric one, we position it as required at the same time. We remove strapping and packaging material, without cutting the centre nylon strap, and move the door to the rear of the bracket slots, turning the axle so the door is relaxed on the axle with the bottom rail at the bottom of the curtain. Without letting go of the curtain, we now cut the centre strap. Holding the centre of the bottom rail, we open and close the curtain to ensure it is correctly aligned on

the roll before fitting the guide tracks. As you can see, attaching the door precisely with the correct amount of tension is a tricky process that should be done by an expert.

With the domed screw heads on the outside of the door, and the door in the fully closed position, we mark and cut a hole in the side face of each track for the locking bolt to slide through.

Then we cut the bottom off the tracks so that the top stop is level with the top of the opening. Next, we slide the tracks onto the edge of the roller door, ensuring the top stops remain above the bottom rail to prevent the door rolling further upwards. Then we lower the door to the closed position, push the track against the wall and adjust sideways so there is a 3–6 mm gap between the inside of the track and the black plastic button at the end of the bottom rail. Using a builder’s level, we make sure the tracks are vertical before screwing or welding them to the walls with appropriate fasteners.

The final part of the process is to remove the outer protective film from the curtain door surface – and that’s it!

With the door in the open position, we loosen the two-axle clamp bolts and, using the slots in the wall brackets, move the door in towards the wall until almost touching the track front face and retighten the bolts. We adjust the operators, position the shute bolts at the ends of the bottom rail, mark the mounting bolt hole positions and drill so that the square shank of the domed headed coach screw will bite into the hole and not turn.

If you think this sounds complicated, you’re right! Too many things can go wrong. Aside from damaging the door, its components and your garage, you could suffer a severe injury. Our advice is – leave it to the experts! For 24/7 garage door servicing, give Cruzin Garage Doors a call on 0427 894 603 or email us at sales@ cruzingaragedoors.com.au.

Chantal Djuric Garage Doors Cruzin Garage Doors www.cruzingaragedoors.com.au

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Living Longer Impacts On Budget, Economy Colin Brinsden

(Australian Associated Press)

Australia faces a major challenge of an ageing population, made worse by the lingering effects of the COVID-19 pandemic, Josh Frydenberg has warned. Releasing the 2021 Intergenerational Report, the treasurer said the economy will be smaller and the population will be older than it otherwise would have been with flow-on implications for economic and fiscal outcomes. The report shows Australia faces 40 years of budget deficits, relatively high levels of debt and slower economic growth than had been previously experienced. “The fact that we are living longer is to be welcomed but the impacts on our economy and our budget are profound,” Mr Frydenberg said, launching the report at a Committee for Economic Development of Australia (CEDA) event on Monday. The five-yearly IGR provides a guide to how the economy will look over the next 40 years and what it means for the budget. It is the fifth in the series, which was first introduced by former Liberal treasurer Peter Costello in 2002.

“And when we do, we focus on squabbles over slices of the pie, rather than over the size of the pie. We can and should do better than that.”

has to be well targeted and skills focused so it can supplement the stock of workingage people and slow the transition to an older population.

CEDA chief executive Melinda Cilento agreed the report shows Australia can’t afford another lost decade of policy reform.

He said economic growth will continue to be highly dependent on productivity gains and a vital ingredient in lifting long term living standards and wages.

She said Australia must tackle the costs of climate change, the reliance on income tax, boost productivity and fund essential services like health and aged care to manage the impacts of our ageing population.

Earlier the treasurer pledged on ABC radio to fully fund the NDIS, while noting health and education spending were also at record highs.

“Now is the time to take serious action to address these challenges,” Ms Cilento said. Mr Frydenberg expects the economy to grow by an average annual rate of 2.6 per cent from 2020/21 to 2060/61, 0.4 percentage points lower than the past 40 years. Australia’s population is expected to grow to 38.8 million by 2060/61. In the last IGR released by former Liberal treasurer Joe Hockey in 2015, the population was projected to hit almost 40 million by 2054/55.

Deloitte Access Economics economist Chris Richardson said the new IGR should start some overdue national conversations.

“This is the first time there has been a downward revision of the longterm population projections in an Intergenerational Report,” Mr Frydenberg said.

“Australians don’t spend enough time thinking about the future,” Mr Richardson told AAP.

As such, he said the composition of the migration program when borders reopen

“We want to continue to pursue reforms that encourage more investment by business, improve the provision of skills across the country and also ensure a more flexible workplace,” he said. But Opposition Leader Anthony Albanese says the government has given up on reform and doesn’t even try to pretend to deliver it. “It’s given up on a future agenda. This is a government where productivity was going backwards for two quarters in a row before the pandemic. We had a productivity recession,” he told Sky News. Australian Industry Group chief executive Innes Willox also pointed out that most of the challenges identified in the report pre-date COVID. “Hopefully the need for action to maintain the COVID recovery will spur governments, businesses and the community more broadly to act more decisively on the numerous issues that have been clear for many years,” Mr Willox said.

findgeelong.com.au

JULY 2021 | FIND GEELONG

t i H s e r g o a t t c r e o S h S g s n l i l r i Sk factu u n Ma Colin Brinsden, AAP Economics and Business Correspondent (Australian Associated Press)

Australia’s manufacturing sector has rebounded sharply from the depths of last year’s recession, but is already being hampered by skills shortages. Australian Chamber of Commerce and Industry chief economist Ross Lambie says employers are having increasing difficulties finding experienced workers as a result of domestic and international border closures.

“These labour constraints are at levels not seen since September 2007,” Dr Lambie says. The Australian Chamber-Westpac survey of industrials trends released on Tuesday showed a further improvement in overall manufacturing conditions in the June quarter. Its actual composite index rose to 63.1 points from 59.4 in the March quarter and 48.7 in the December quarter. The recovery follows the dramatic fall in the index to 24 points in the June quarter last year that was associated with the initial lockdown and response to the pandemic. An index firmly above 50 suggests conditions are expanding at a brisk pace, in line with the recovery in the broader economy.

The survey shows output and new orders are rising at the fastest rate since late2018 and early-2019.

But confidence in Sydney dropped 4.6 per cent, and was even worse in regional NSW, down 6.6 per cent.

The expected composite index was at 60.6 points, well above its long run average, indicating businesses are optimistic about the outlook.

ANZ senior economist Felicity Emmett said the survey taken at the weekend

However, Westpac senior economist Andrew Hanlan said the survey also raised some areas or concern.

“Lingering disruptions and restrictions around COVID are hampering businesses’ ability to lift production,” Mr Hanlan said. Profit expectations have been marked lower, despite prospects for strong turnover, as cost pressures mount. A separate survey of consumer confidence showed the mood among Sydneysiders has deteriorated in response to the COVID-19 lockdown and having seen infections rise rapidly in a matter of days. However, confidence nationally was fairly flat, offset by the ongoing recovery in Melbourne after its recent restrictions. The weekly ANZ-Roy Morgan consumer confidence index – a pointer to future household spending – declined 0.2 per cent.

would not have fully captured the impact of all the various restrictions and lockdowns imposed across states. Western Australia introduced a four-day lockdown in Perth and the neighbouring Peel regions on Monday night, while Darwin’s snap lockdown was extended to at least Friday. Queensland added to the roll call, announcing a three-day lockdown for the state’s southeast, Townsville and two islands.

“Recent experience suggests sentiment will respond to case numbers and lockdown measures in the coming weeks,” Ms Emmett said. “If case numbers remain high, confidence is likely to deteriorate, but if they come back under control quickly and restrictions look likely to be shortlived, sentiment is likely to rebound.” Recent data shows Melbourne’s 14-day lockdown hurt both retail spending and employment in Victoria. The Sydney lockdown is estimated to cost the NSW economy $2 billion. JULY 2021 | FIND GEELONG

2021 TA NSW emergency assistance resources (2021 federal budget update) The floods across Eastern Australia in February and March 2021 may have left some of your clients in a difficult situation. In late March, the federal government announced a federal natural disaster, opening up a range of assistance packages. In the 2021 federal budget the government has announced that the Special Disaster Grants paid to primary producers and small businesses would be non-assessable non-exempt

Announced: 26-Mar-2021 Updated: 13-May-2021

income. Available in the impact statement is a non-exhaustive list of financial assistance available, with links to appropriate forms and phone numbers.

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT. Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50 arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the

Announcement(8-May-2021) Consultation Introduced Passed

AAT will have power to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Royal Assent

Debt recovery action includes garnishee notices and the recovery of general interest charges or related

Date of effect

penalties.

Superannuation guarantee exclusion for low income workers to be removed (2021 federal budget measure) The low income earners’ exemption for employers calculating their superannuation guarantee shortfall is proposed to be removed. Essentially, this exemption removes a superannuation guarantee liability for an employer where an employee has salary and wages less than $450 in a calendar month. The proposal, which will remove a section of the superannuation guarantee legislation, will not come into effect until after it passes through the parliamentary process. Where clients of yours contracts out payroll requirements to a third-party provider, best practice is to ensure a relevant update to the system is completed. This may involve

Announcement(11-May-2021) Consultation Introduced Passed Royal Assent Date of effect

contacting the third party or completing a “dry run” prior to making any payments.

Downsizer contributions to superannuation (2021 federal budget update) Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From this date, a person aged 65 years or older will be able to make a contribution up to $300,000 from the proceeds of selling their main residence. An announcement from the 2021 federal budget proposes that from 1 July 2022 the age limit will reduce from 65 to 60. This contribution will be outside the current nonconcessional rules. To be eligible to make the contribution, they must have owned their main residence for

Announcement(10-May-2017)

at least 10 years. It is available to both members of a couple for the same home, even if only one is on the

Consultation(11-May-2021)

title deed.

Introduced Passed

These contributions are in addition to existing rules and caps and are exempt from the: •

age test

•

work test, and

•

$1.6 million total superannuation balance test

Royal Assent Date of effect(1-Jul-2018)

for making non-concessional contributions.

Downsizer contributions to superannuation (2021 federal budget update) Individuals may soon have the ability to increase a self-education deduction following a 2021 federal budget announcement. Currently, a self-education deduction is limited to costs above $250 each income year. This limitation, known as the s 82A limitation, will be removed subject to legislative approval. The announcement is somewhat related to a Treasury discussion paper released in December 2020. However,

Announcement(11-May-2021) Consultation(11-May-2021) Introduced Passed

other matters addressed in the paper, such as deductions for expenses unrelated to current employment,

Royal Assent

were not addressed in the budget announcement.

Date of effect

AX UPDATES Downsizer contributions to superannuation (2021 federal budget update) Individuals may soon have the ability to increase a self-education deduction following a 2021 federal budget announcement. Currently, a self-education deduction is limited to costs above $250 each income year. This limitation, known as the s 82A limitation, will be removed subject to legislative approval. The announcement is somewhat related to a Treasury discussion paper released in December 2020. However,

Announcement(11-May-2021) Consultation(11-May-2021) Introduced Passed

other matters addressed in the paper, such as deductions for expenses unrelated to current employment,

Royal Assent

were not addressed in the budget announcement.

Date of effect

Self-education removal of deduction limitation (2021 federal budget measure) Individuals may soon have the ability to increase a self-education deduction following a 2021 federal budget announcement. Currently, a self-education deduction is limited to costs above $250 each income

Announcement(11-May-2021)

year. This limitation, known as the s 82A limitation, will be removed subject to legislative approval. The

Consultation(11-May-2021)

announcement is somewhat related to a Treasury discussion paper released in December 2020. However, other matters addressed in the paper, such as deductions for expenses unrelated to current employment, were not addressed in the budget announcement. Source: 2021 Federal Budget Paper No 2, p 26; Treasury discussion paper - Education and training expense deductions for individuals

Introduced Passed Royal Assent Date of effect

Individual tax residency framework reform (2021 federal budget measure) The individual tax residency rules will be replaced by a new framework with a primary physical presence test. Under the new primary test, a person who is physically present in Australia for 183 days or more in any income year will be an Australian resident for tax purposes. Individuals who do not meet the primary test will be subject to secondary tests that consider a combination of physical presence and other measurable criteria. These new rules contrast with the current rules which look at the ordinarily resides test as the primary indicator to reviewing Australian residency. Changes to the individual tax residency rules will be required to

Announcement(11-May-2021) Consultation Introduced Passed Royal Assent Date of effect

go through the legislative process and will commence after royal assent has been given.

Low and middle income tax offset (2021 federal budget update) The low and middle income tax offset (LMITO) was introduced in the 2018 federal budget to commence from 1 July 2018. The offset runs in conjunction with the low income tax offset as a targeted reduction of income tax for Australian residents. Originally due to run over 4 years, in the 2020 federal budget phase 2

Announcement(11-May-2021)

of the 3-phase 7-year income tax plan was brought forward. This effectively put an end date on LMITO of

Consultation

30 June 2021. In the 2021 federal budget it was announced that LMITO would be extended to the 2021-22

Introduced

income year. Legislation to enact this change has been introduced into parliament. The LMITO will provide an additional offset of up to $255 for individuals on a taxable income of $37,000 or less. Taxpayers up to $48,000 will get an increased LMITO up to the maximum amount of $1,080. The maximum LMITO is available

Passed Royal Assent Date of effect

for Australian residents on incomes up to $90,000 and will tapers off to $0 for individuals with a taxable income of $126,000.

Rental properties to be data matched by ATO The ATO has recently announced an intention to collect data from property management software providers. The information will be data matched to ensure owners of rental properties are adhering to their taxation obligations. The data matching program will collect data from the 2018-19 income year through to the 2022-

Announced: 21-May-2021 Updated: 2-Jun-2021

23 income year. The main focus of the data matching program will be to identify undeclared income, as the ATO will attempt to match property ownership information to tax returns.

See More JULY 2021 | FIND GEELONG

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

FIND GEELONG | JULY 2021

findgeelong.com.au

Warm your heart by helping our fuzzies. Donate today! gaws.org.au/warmandfuzzies

findgeelong.com.au

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

JULY Themed Walk Friends of Geelong Botanic Gardens

The First Australians: Wadawurrung Country Geelong Botanic Gardens is on Wadawurrung land. Learn about our first people: their lifestyle, conservation of resources and traditional use of plants for food, medicine, weapons, transport, musical instruments and religious ceremonies. Find out what happened to the Wadawurrung when Europeans arrived here. When: Time: Where: Cost:

Sunday 11 July 2021 2.00 pm Meet your Guide at the front steps of the GBG Gold coin donation www.friendsgbg.org.au ph (03) 5222 6053

findgeelong.com.au

JULY 2021 | FIND GEELONG

Dealing with Anxiety By Robert Hunter

There is always such a happy atmosphere around our school - it’s great to see and an absolute privilege to be involved. Having said that though, I know anxiety is still a reality. Staff, parents and students attest to the issues surrounding it and for many it has escalated during this Covid crisis. Anxiety comes in a range of forms. In its mildest state it may present as a minor concern or a small worry. In its most severe state it could present as a debilitating phobia. In between are all the varying degrees, often put in the one basket labelled, ‘Anxiety’. It’s very helpful to recognise that anxiety (or fear) is a normal emotion. We all feel a certain amount of it in the face of life’s challenges. In many instances it is a very helpful response. For example, it’s right to be fearful when standing on the edge of a cliff. Similarly when we encounter new challenges, it’s necessary that we have a heightened level of awareness, our antennas go up and we know we need to be working harder, giving a new task our full attention. It’s good to be nervous at times – a healthy response in certain situations. I have very fond memories of some special needs secondary students that I was working with, some years ago, very proudly declaring, after they had successfully gone up 55 storeys of the Rialto Towers, walked around the Observation Deck and then returned safely back down, ‘Rob! We faced our fears. We did it!’ Most cases of Anxiety come into a similar category. We need to face them. We may need help. Someone to talk things through with. Someone to walk with us. Some new strategies or skills learned. Some education – a course of sorts. Occasionally we may need some professional help from a counsellor or psychologist. I was reassured recently to hear some high powered business leaders testifying to this very thing. They described the anxiety and stress they experience when confronted with new challenges. For our children, nine times out of ten they simply need some patient talking through of the experience that faces them. They need to express their thoughts, concerns or issues. They may need some empathy, understanding, encouragement, logical thoughts, reassurance, a realignment to the positives, expelling of the lies and the doubts and the truth restated: ‘You can do this.’ ‘It’s okay to feel nervous.’ ‘You’re good!’ ‘I love you.’ ‘You don’t have to get it right first time.’ ‘It’s okay to make mistakes.’ ‘I believe in you.’ ‘I’m proud of you.’ I hope that’s helpful. Kindest regards, Rob. LPS Chaplain. Robert.Hunter@education.vic.gov.au

LEOPOLD Primary School PO Box 42, 1 Kensington Road, Leopold Vic 3224 Phone: (03) 5250 1233 Email: leopold.ps@edumail.vic.gov.au Web: www.leopold.vic.edu.au JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Transition Mentor for EdConnect Do you remember the time in your life when you started high school? Moving from one school to another can be a really daunting time for young people. Would you like to mentor a student through this transition? If so, read on – you can join EdConnect Australia as we look to Mentor students in the Geelong region during this important time. EdConnect Australia is recruiting and training volunteer Mentors who can give long-term to support students as they transition through their middle years of education, be this a transition to different schools (primary-secondary) or to different campus’s in a multi-campus school setting. It can be one of the most vulnerable times in a student’s life and we wish to provide someone to “be there” to ease the path forward for Geelong students, providing strong social and educational support. You need to be able to; - -

Provide one on one, one hour a week social and emotional support to a student until at least September 2022 Build a trusting relationship with the student, helping them to build confidence, self-esteem and resilience.

EdConnect has supported volunteers who are keen to develop positive intergenerational relationships with students in school settings for over 20 years. EdConnect also takes on volunteers who offer one-on-one mentoring to students in need of assistance in the classroom with subjects such as numeracy, reading, science or help around the school in garden projects, breakfast club, gardening, library and much more. Through the generous support of Give Where You Live and their Pitch Up programme, and key supporters The Anthony Costa Foundation and GForce Employment Solutions and the Erdi Foundation EdConnect is introducing Transition Mentors to support local students. We encourage anyone with a passion for supporting young people and the desire to make a positive impact in a student’s life to email edconnect@edconnect.org.au to find out more information or to start your application.

findgeelong.com.au

JULY 2021 | FIND GEELONG

Victoria State Emergency Service Victoria State Emergency Service (VICSES) is the control agency for flood, storm, tsunami and earthquake in Victoria, managing responses to these emergencies and helping communities to prepare through planning and education. VICSES also operates the largest road crash rescue response network in the state and also provides a support role to other emergency service agencies. VICSES Bellarine Unit The VICSES Bellarine Unit is one of 24 units located in the South West region and is made up entirely of volunteers. It is supported by professional staff both from state headquarters and the South West regional office. The units LHQ (local headquarters) is located on Grubb Road on the outskirts of Drysdale and its members reside in all corners of the peninsula. The response area for the unit covers the entire Bellarine Peninsula and includes the towns of Clifton Springs, Curlewis, Drysdale, Indented Head, Leopold, Ocean Grove, Point Lonsdale, Portarlington, Queenscliff, St Leonards, Wallington and all areas in between. In addition, our members may be deployed to other regions of the state to assist with large-scale operations such as major storms, floods or fires. We have even had members from our unit deployed across Australia to assist our interstate counterparts. VICSES Bellarine Unit typically receives over 200 requests for assistance each year and we rely upon local volunteers to help in both operational and support roles. Volunteers from VICSES Bellarine Unit come from all walks of life, all backgrounds and all professions. In fact, the main thing we have in common is a desire to make a contribution within our community.

“Each year we normally hold a tin rattle to raise much needed funds, however as with many other activities, we have been unable to do so, and don’t expect we will be able to in the near future. We have a number of Unit Vehicles that are due for replacement in the short term, and need to start planning for it now to ensure we have the necessary monies to be able to do so. Given that we have been unable to have our annual tin rattle during these times, we are looking for support in a different way. We have partnered with a Not-for-Profit organization that specializes in assisting organizations like ours with online donations. The Unit would be humbled for any support that the community that we live in would be able to give us, so that we can be there for you, in your time of need. Please head over to our Give Now page, and donate to a cause that directly supports your local community. All donations over $2 are Tax Deductible”.

JULY 2021 | FIND GEELONG

JULY 2021 REALESTATE

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

COMING SOON

HOUSE OF THE MONTH

FREE RENTAL LISTINGS ADVERTISING

Email your Rental Listings to Find Geelong each week and we will update your Listing in the online community paper for FREE.

If you have any questions, contact Warren on 1300 88 38 30 or email to: editor@findgeelong.com.au

REAL ESTATE AGENT

www.findgeelong.com.au

We invite all Real Estate Agents to list their profiles here. First in, first page. Be known in your local community and help support all things Geelong. For listing enquiries call 1300 88 38 30 or email editor@findgeelong.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au

COMING SOON

www.insertwebsite.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

COMING SOON

REAL ESTATE AGENT

www.findgeelong.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au

COMING SOON

www.insertwebsite.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au

COMING SOON

www.insertwebsite.com.au

JULY 2021 | FIND GEELONG

www.findgeelong.com.au

Design Your City - Winners Announced!

Inspired by Geelong Design Week and visiting exhibition How Cities Work, the National Wool Museum invited young people to share their design ideas for Geelong’s future urban development. The challenge was to present an urban design concept for a public amenity or infrastructure with entrants asked to submit a detailed drawing and explanation of their idea. Entries were judged by the City of Greater Geelong’s Manager of Urban Design, Jonathan Daly, who was thrilled to see so many creative ideas. Congratulation to our four winners! The National Wool Museum is proud to display the winners design illustrations in the How Cities Work exhibition over the winter school holidays. 1. Miwa Katsuragi was awarded the most practical idea for her design of Market Square Shopping Centre. Miwa designed a modern park with safety and useful facilities front of mind. 2. Olive Feldman was awarded the most creative idea for her design, Rainbow City. The design included a community centre and a science and music centre inside brightly coloured and themed buildings. 3. Juliet Feldman was awarded the most imaginative idea for her design, Fairy Play Library. Her ideas centred around a themed library with soft grassy stairs and a thriving community garden complete with mushrooms for seats.

4. Sean Yew-Qi Entesari-Tatafi was awarded the best overall idea for his design, Sustainable City Solutions. Sean clearly put a lot of thought into his design that featured Maglevs (magnetic levitation trains) run on solar energy, captured from seethrough solar panel windows. Jonathan Daly - Manager Urban Design

“The level of engagement and creativity from our youth in imagining a better future for Geelong was truly inspiring. Congratulations to everyone who took part, especially the winners.”

www.findgeelong.com.au findgeelong.com.au

Stage one upgrades were completed early last year and included the installation of security lighting, CCTV, landscaping and improvements to the network of paths. Last year’s upgrades were made possible with $300,000 allocated in Council’s Budget 2020-21 and a $249,849 grant from the Department of Justice and Regulation’s Public Safety Infrastructure fund. Cr Peter Murrihy, Chair of the Leisure and Recreation portfolio, looks forward to seeing the finished works.

Community Feedback Invited On Waurn Ponds Skate Park Vision Skaters and locals are one step closer to enjoying upgraded facilities at the Waurn Ponds skate park, with the draft concept plan released for community feedback. The draft plan has been designed to meet the needs of a variety of skateboarding abilities, following consultation with local skaters and current users of the facility. The creation of transition-based skate features, tree and shrub plantings and areas to socialise and observe were identified as important elements in the pre-design workshops. Skaters, scooters and bike riders will soon enjoy refurbished skate plaza, mini and vertical skate ramp facilities along with a new bowl and various skate elements. Improving the overall flow for users will be a key component of the upgrades. Additional upgrades proposed at the facility include: •

• • • •

Youth active recreation area, with potential elements such as beginner and advanced parkour features and a multi-sport half court; Additional seating; Tree and shrub plantings; A formalised car park; and An improved path network through the open space.

Greater Geelong Deputy Mayor Trent Sullivan said these changes would open the facility up to be enjoyed by the whole community.

“We’re excited to see the draft concept plans released and the vision for this well-used facility come to life. The proposed upgrades will make such a difference to local residents and transform the space into a recreation area that will be enjoyed by skaters of varying skill levels and the wider community.” These upgrades form stage two of the Waurn Ponds Skate Park Landscape Plan. The City is contributing $300,000 towards the project, adding to the $1.34m Victorian Government investment through its Sport and Recreation Victoria Community Sport Stimulus Infrastructure Program.

“We want to see this recreational hub become a space for the whole community to enjoy and one that supports physical and outdoor activities for all ages. I encourage community members to view the plans and have their say to ensure it meets their needs and aspirations for the space. I’m certain the facility will become even more popular as it caters for a larger variety of interests, ages and skill levels and we’re thankful for the support from the state government in making these upgrades possible.” A detailed plan of the works will be developed by Convic, with construction expected to commence in early 2022. Community members are invited to view the concept plans and provide feedback via the Have Your Say page before Friday 9 July 2021.

More News and Updates

Member for South Barwon Darren Cheeseman encouraged young people to share their thoughts on the design. “Whether it’s a multi-sport court, a climbing wall or a flying fox, the features of the proposed recreation area are open to the view of young people in our community.

Buy 1 hour, get 1 free CBD parking initiative launches next week

The proposed upgrades look fantastic and I can’t wait to see the end result.” Be a WINNER with Community Update

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

How Cities Work

Visitors big and small will traverse a spectacular cityscape full of tactile and sensory activities, including a lively hands-on construction site, a futuristic design station and a towering 2-metrehigh cityscape, perfect for Godzilla impersonators and happy-snappers. How Cities Work is a travelling exhibition by Sydney Living Museums. When Daily from 13 May 2021 to 11 July 2021 Where National Wool Museum 26-32 Moorabool Street, Geelong 3220

Discover something exciting on every corner at the How Cities Work interactive family exhibition at the National Wool Museum. From skyscrapers to underground networks, this interactive family exhibition reveals the secret workings of our busy urban centres. Enter an immersive cityscape full of tactile and sensory activities. Peek inside buildings, duck underground, see and hear the city come to life with playful animations, bustling sounds and something new to uncover on every street corner. It’s the city as you’ve never experienced it before. How Cities Work brings to life the best-selling book of the same name, published by Lonely Planet Kids, and is developed in collaboration with the book’s illustrator and city fanatic, James Gulliver Hancock.

Facilities • Change room facilities • Children’s activities • Toilets available • Undercover areas • Wheelchair accessible Contact National Wool Museum Email: nwminfo@geelongcity.vic.gov.au Phone: 03 5272 4701 Associated organisation: National Wool Museum Website: www.nwm.vic.gov.au Facebook: www.facebook.com/ NationalWoolMuseumGeelong

Rogue Sheep Trivia - A night at the Museum with Quizmaster Janet McLeod Celebrate the arrival of Baarack the rogue sheep’s fleece with a night of laughs from Melbourne trivia icon Janet McLeod. Get your thinking caps on and test your knowledge of your favourite pub trivia. Gather your team of up to 10 (hand picked legends) or come on your own and join a wildcard table. Your ticket includes, a tour of the Baarack the Lost Sheep display, drink on arrival and your trivia at Black Sheep Geelong with access to the paid bar and full dining menu. Tap ‘n’ Pay available. Who is your quizmaster? Comedian Janet McLeod is one of Melbourne’s most accomplished hosts and trivia writers - some of her questions have even ended up underneath Carlton Draught bottle caps!

A regular guest on ABC radio’s iconic Overnights program, Janet is also known to comedy audiences as one-half of movie-commentary duo Cinema Fiasco (they show B grade movies in cinemas and provide a running commentary as they play - yes, it is as much fun as it sounds). Her wealth of experience and inimitable style brings plenty of fun and energy to any event.

Cost Adult: $15.00 wildcard table Other/More Information: $120.00 table - up to 10 participants Facilities • Catering and/or dining • First Aid available • Toilets available • Undercover areas

Bookings essential via Eventbrite National Wool Museum - Foyer Doors Open at 6:45pm.

Contact National Wool Museum Email: nwminfo@geelongcity.vic.gov.au Phone: 03 5272 4701

When 22 July 2021, 07:00 PM

Associated organisation: National Wool Museum

Where National Wool Museum 26-32 Moorabool Street, Geelong 3220

Website: www.nwm.vic.gov.au Facebook: www.facebook.com/ NationalWoolMuseumGeelong

findgeelong.com.au

JULY 2021 | FIND GEELONG

MICRO MOVES PROJECT

Micro Moves Project is a movement exploration & film collaboration between Helen Duncan, Zoee Marsh, Chris Bryan & Corey Hague supported by the City of Greater Geelong through the Arts & Culture Arts Industry Commissions.

Please keep me updated on this project Sign up with your email address to receive news about the Micro Moves Project, including special events and project update

About Micro Moves Project Micro Moves Project offers a series of short movement films that aim to showcase local artistic talent set against unique Geelong CBD backdrops; from the grandest of views to the smallest of cracks or splatters of laneway graffiti. We work with a beautiful performance team that are made up of intergenerational professional and non-professional dancers. We love working with our cast who’s histories and experience with dance are written and demonstrated through their individual bodies in such different ways; enriching the creative palette and choreographic possibilities. Look for the Micro Moves QR codes placed on the pavements around the Geelong CBD, use your camera on your smart phone to connect to and open these site-specific micro movement films. Grab your phone and maybe even a warm beverage from your favourite Citybased barista and get exploring. There are five short films to find over a 1km walk (approx.) Keep your eyes peeled or find the QR code locations here:

Keep your eyes peeled for our project QR codes installed on the pavement in the Geelong CBD now & until 16th July VISIT THE MICRO MOVES PROJECT MAP

DOWNLOAD MAP AS A PDF DOCUMENT

“It’s so great to be able to pick our creative tools back up again after a challenging 2020 and we would love your support as we get back into creating art in our City. We are delighted to share our creative work with our local community and we look forward to - Helen Duncan sharing these unique series of short films with you.”

Fancy joining us for one of our creative movement workshop!? We would love that! Zoee Marsh & Helen Duncan will be running an artists jam workshops for professionals artists of any discipline on Friday 16th July. Absolutely no experience with dance or movement necessary, just an open heart & mind and a passion for all things creative and arty! Register your information below to receive up to date information on these workshops. Workshops are offered free to our wonderful arts community.- thank you to Geelong Arts Centre, Creative Engine for hosting this event! Bookings Essential. REGISTER YOUR INTEREST IN OUR WORKSHOPS

www.viewer.mapme.com/ micromovesmap The Micro Moves QR codes and films will be available to find and view from now until 16th July 2021. JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Street Smart A fabulous exhibition celebrating and recording life on the streets. From portraits to graffiti, city workers to holidaymakers, street artists to protestors and party-goers to the poverty-stricken. The photos are from Geelong and Melbourne across the world. Focal Point Darkroom & Gallery 46 Douro Street North Geelong, Victoria 3215 June 30 - July 11, 2021 03 4222 8359 Visit Website

Gallery Opening: Hold

us of our place on the earth and the objects that tether us to it. They celebrate intimacy and inner truths. Hold invites you to reach out your hand and grasp. Hold invites tenderness and strength. Hold invites you in. You’re invited in from opening night, Friday 25 June. Hold concludes Friday 23 July with a special poetry slam vernissage event, HOLD SPACE taking place Wednesday 21 July from 7.00PM 9.00PM Platform Youth Arts 60 Little Malop Street Geelong, Victoria 3220 Phone: 03 5224 2815 Book Online

Platform Arts is excited to present multimedium group show Hold. Hold is a multi-disciplinary group show that includes ceramics, painting, drawing, collage, textile, jewellery, and mixed-media works. Artists include Sasha Alexandria, Sophie Cochrane, Anni Hagberg, Michelle Jing, Sam Kariotis, Sophia Koot, Iona Mackenzie, Jack Paterson, Steph Raad, Rosie Stanton, Mara Schwerdtfeger and Zoe Baumgartner.

The artists involved examine the spaces between tension and slack, force and inaction, intimacy and stillness. Embodied experiences and gestures are outstretched to the audience. Different mediums are engaged in order to explore various issues of weight. The boundaries and barriers between human, object, nature, are seen and held and dropped. The artists involved invite you to reflect on your relationship with and within your body. They remind

findgeelong.com.au

JULY 2021 | FIND GEELONG

song ‘Spirit’ with children from communities challenged by hardship.

Isaiah ‘Spirit’ Tour

Isaiah has been writing in both America and Australia, collaborating with some of the finest songwriters and producers in the world. He has written some incredible pop songs, which will be released through Sony in 2020/21. Isaiah’s single ‘You’ (released on 11 December) has big pop hooks alongside Isaiah’s earthy feel that show exactly where this international recording artist is headed. PERFORMANCES Fri, 02 Jul 202107:30pm

Isaiah has an incredible story. In the past four and a half years, the talented 21 year old has transformed from a smalltown singer to the most-streamed First Nations pop artist in the world. Along the way he’s won The X Factor, represented Australia at the Eurovision Song Contest (finishing in the top 10), and is signed to Sony Music Australia. Isaiah’s debut single has broken records, with ‘It’s Gotta Be You’ going Double Platinum in Australia, Platinum in Norway and Sweden, Gold in Denmark and is now notching up over 253 million international streams. The song was one of the highest streamed songs from any

Australian artist in 2017 and continues to break records. Isaiah’s incredible voice is seeing his releases collectively notch over 300 million streams at only 21 years of age, solidifying his place as Australia’s most successful First Nations male pop artist. Prior to the unprecedented events of 2020, Isaiah had just finished a national tour with his band, including 50 shows and workshops with remote and regional communities across Australia. He was able to work with people in outback Australia, sharing his journey and showing that dreams can become reality with hard work and self-belief. As part of the tour, Isaiah sang his original

Rovers

Written by Katherine Lyall-Watson Directed by Caroline Dunphy

Intrepid performers Roxanne McDonald and Barbara Lowing get behind the wheel and navigate audiences into risky

Full Price $49

•

Concession $44

•

Senior $47

•

Student 16+ Full Time $44

•

Child Under 16 $32

•

Group 10+ $42

VENUE Costa Hall DURATION 80 minutes, no interval.

TICKET PRICES

Rovers is a delightful and modern comedy-drama that has audiences laughing, crying, and celebrating the imagination and heart of Australia’s trailblazing women.

If you’ve ever faced a seemingly insurmountable obstacle, had to keep a family secret or said yes to a crazy dare in a bar, then this funny, heart-warming and crackling ode to Australia, and the daring women she breeds, will be just your cup of tea.

•

Sat, 17 Jul 2021, 01:30pm (WAIT LIST) Sat, 17 Jul 2021, 07:30pm (WAIT LIST)

Woven from true stories and wild machinations, this is a fast-paced & poetic night at the theatre that everyone will love.

TICKET PRICES

terrain, journeying through the heartlines of their lives and into the hilarious, fun-loving misadventures of the women who made them who they are today. Join us for an entertaining and heartfelt adventure with two of Australia’s finest actors. Contains use of smoke / haze. PERFORMANCES Thu, 15 Jul 2021, 07:30pm (WAIT LIST) Fri, 16 Jul 2021, 07:30pm

•

Full Price $59

•

Concession $53

•

Senior $56

•

Student 16+ Full Time $53

•

Child Under 16 $38

VENUE Studio 4 Venue info DURATION 80 minutes, no interval. POST SHOW Q+A Fri, 16 Jul 2021, 8:50pm

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

South Geelong Farmers Market Geelong is Victoria’s largest regional centre nestled in the confluence of three rich agricultural regions: The Otway Ranges, the Bellerine Peninsula and the Golden Plains of south western Victoria. It is fast becoming the centre of a blossoming gourmet and artisan food culture and now the South Geelong Farmers market is proud to add its support to this growing economy, by providing a marketplace for authentic locally made and fresh grown produce to the communities of the Greater Geelong area.

South Geelong Farmers Market 200 Yarra Street Geelong, Victoria 3220

South Geelong Farmers Market operates on the first and third Sunday of each month.

0407 411 198 July 18, 2021

Memoirs and Mullets A unique Australian love story, told through music, roller skating, circus, comedy and dance. Follow lovers Frankie and Shazza through the 50s to the 80s and a love affair that outlasts the ages. This fast paced show will delight audiences of all ages. Featuring world class circus tricks, seamless dance routines and characters you are sure to love, Memoirs and Mullets is guaranteed to put a smile onya dial. Plus an 80s Disco Party after the show!!!

Limited Cabaret Seats available – so bring a platter !!! Book online now When 17 July 2021, 08:00 PM - 10:00 PM Where Potato Shed 41 Peninsula Drive, Drysdale 3222 Cost Adult: $34.00 Adult Cabaret Seating - $34 Adult Theatre Seating - $30 Concession: $30.00 Concession Cabaret Seating - $30 Concession Theatre Seating - $28

If I Had A Hammer - the IWW songs of Woodie Guthrie, Pete Seeger, Joe Hill This brand-new show features the songs of defiance and solidarity from the early years of the 20th century. They have a haunting resonance - and a new relevance in light of 21st Century world politics. Book online now! Or alternatively call The Potato Shed to speak to our friendly staff! When 13 July 2021, 10:30 AM - 12:30 PM Where Potato Shed Wadawurrung Country, 41 Peninsula Drive, Drysdale 3222 Contact Lisa Harvey or Rob MacLeod Email: potatoshed@geelongcity.vic.gov.au Phone: 03 5251 1998 Website: www.geelongaustralia.com.au/potatoshed Facebook: www.facebook.com/potatosheddrysdale

findgeelong.com.au

Bellarine Secondary College presents The Addams Family School Edition. A comical feast that embraces the wackiness in every family with an original story that’s every father’s nightmare: Wednesday Addams, the ultimate princess of darkness, has grown up and fallen in love with a sweet, smart young man from a respectable family – a man her parents have never met. And if that wasn’t upsetting enough, Wednesday confides in her father and begs him not to tell her mother. Now, Gomez Addams must do something he’s never done before – keep a secret from his beloved wife, Morticia.

JULY 2021 | FIND GEELONG

Everything will change for the whole family on the fateful night they host a dinner for Wednesday’s “normal” boyfriend and his parents.

Where Potato Shed 41 Peninsula Drive, Drysdale 3222

The Addams Family School Edition has been adapted from the original OffBroadway Production.

Cost • Adult: $15.00 • Concession: $12.00

Book online now! Or alternatively call The Potato Shed to speak to our friendly staff! When Various dates from 29 July 2021 to 31 July 2021 Upcoming dates 29 July 2021, 07:00 PM - 09:00 PM 30 July 2021, 07:00 PM - 09:00 PM 31 July 2021, 07:00 PM - 09:00 PM

Contact Lisa Harvey or Rob MacLeod Email: potatoshed@geelongcity.vic. gov.au Phone: 03 5251 1998 Website: www.geelongaustralia.com. au/potatoshed Facebook: www.facebook.com/ potatosheddrysdale

Margaret Fulton The Musical Margaret Fulton reigned supreme on our country’s cooking scene, awarded an OAM in 1983 and later identified as a National Living Treasure. The Margaret Fulton Cookbook encouraged Australian housewives to experiment with more interesting ingredients, straying from the old tradition of meat and three veg. This delightful musical romp follows her journey from humble beginnings to super-stardom. A musical biography of a true Aussie legend based on her bestselling autobiography. Before Margaret Fulton burst into the nation’s kitchens in 1969 with her burnt orange crockpots and chunky stoneware serving dishes, encouraging housewives to try their hand at Nasi Goreng and Apricot Chicken, Australian food was bland, boring and British, or overly fussy, fancy and French!

Have a look at what to expect Book online now! Or alternatively call The Potato Shed to speak to our friendly staff! Brought to you by Jally Entertainment. When 01 August 2021 Upcoming dates 01 August 2021, 07:00 PM - 09:00 PM 01 August 2021, 02:00 PM - 04:00 PM

Cost • Adult: $45.00 • Concession: $40.00 • Student: $22.00 Where Potato Shed 41 Peninsula Drive, Drysdale 3222 Contact Lisa Harvey or Rob MacLeod Email: potatoshed@geelongcity.vic.gov.au Phone: 03 5251 1998 Website: www.geelongaustralia.com.au/ potatoshed Facebook: www.facebook.com/ potatosheddrysdale

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Sing a Song of Sixpence Songs are magical things: some fall suddenly from the ether, others are a slow labour of love. Universally however, they’re inspired from personal experiences and observations of life. In reverence of such alchemy, Delsinki presents “Sing a Song of Sixpence” - which brings the tradition of a writer’s round to audiences: artists sharing the bare bones of their songs and the stories behind them in an intimate setting. The next round will feature Debra Byrne, Joyce Prescher, Simon Phillips, Delsinki, Wayne Jury and will be accompanied by John Kendall (Row Jerry Crow). Book online now! Or alternatively call The Potato Shed to speak to our friendly staff! When 06 August 2021, 07:00 PM - 09:00 PM

Contact Lisa Harvey or Rob MacLeod

Where Potato Shed 41 Peninsula Drive, Drysdale 3222

Email: potatoshed@geelongcity.vic.gov.au

Cost • Adult: $28.00

Website: www.geelongaustralia.com.au/ potatoshed

•

Facebook: www.facebook.com/ potatosheddrysdale

Concession: $24.00

Into the Woods Junior Into the Woods Junior is performed by The Bellarine Jongleurs amateur theatre company. The musical centres on a baker and his wife, who wish to have a child; Cinderella, who wishes to attend the King’s festival; and Jack, who wishes his cow would give milk. When the baker and his wife learn that they cannot have a child because of a witch’s curse, the two set off on a journey to break the curse and wind up changed forever Book online now! Or alternatively call The Potato Shed to speak to our friendly staff! When Various dates from 12 August 2021 to 14 August 2021 Where Potato Shed 41 Peninsula Drive, Drysdale 3222 Cost • Adult: $15.00 • Concession: $12.00 Contact Lisa Harvey or Rob MacLeod Email: potatoshed@geelongcity.vic.gov.au Phone: 03 5251 1998 Website: www.geelongaustralia.com.au/potatoshed Facebook: www.facebook.com/potatosheddrysdale

Phone: 03 5251 1998

findgeelong.com.au

JULY 2021 | FIND GEELONG

Forever 80s - CORIO Take that neon out of the closet, put on those leg warmers and be ready to hit the dance floor with the best 80’s show on the planet, singing some of those famous notes that only pants this tight could create. The 80’s were all about shoulder pads and pastel suits, side ponies and Olivia Newton-John headbands. It was a decade that created musical icons and a time when MTV killed the radio star. With no expense spared, Forever 80s™ hit the stage in full retro 80’s costumes in a fully choreographed, immersive 80’s experience, transporting you back to the future and setting the scene for an incredibly authentic 80’s reunion like no other. Forever 80s™ features a star studded touring line up: familiar faces from X-Factor, Internationally touring shows and stage shows. Forever 80s™ is a captivating, high energy show…the ultimate mixtape of all your favourite 80s’ bangers including Walk Like An Egyptian (The Bangles), Jessie’s Girl (Rick Springfield), Wake Me Up Before You Go-Go (Wham!), I Love Rock

& Roll (Joan Jett), The Look (Roxette), Simply The Best (Tina Turner), Turn Back Time (Cher) and many more classic 80s’ gems. There’s no show like a Forever 80s™ show.

Come and be immersed in the ultimate 80s’ experience. AAA Entertainment 218-230 Princes Highway Corio, Victoria 3214 03 5275 1091

Swan Bay Express Train Rides All trips are currently departing from Queenscliff Station only. Departures from Drysdale Station to return in 2021, with an announcement to be made at later date. On running days trips will depart at 11:00 am, 12:15 pm and 2:00 pm. SWAN BAY EXPRESS 13 June is currently closed 20, 27 & 29 June 1, 4, 6, 8, 11, 18 & 25 July The Bellarine Railway 20 Symonds Street Queenscliff, Victoria 3225 The Bellarine Railway volunteers are delighted to be able to welcome the public back for steam train rides along the shores of Swan Bay. Steam train rides recommenced on Sunday 6 December, after being closed since late March 2020 due to COVID.

Trains run on most Sundays year-round and selected public holidays. Family activities and specials are offered during school holidays. Private carriage hire is offered whenever the service is running and ideal for gatherings of 20+ – bookings are essential.

03 5258 2069 TIMETABLES Queenscliff-Lakers Siding-Queenscliff *** 45 minutes return *** 11.00am – 12.00pm – 2.15pm

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Adventure Park’s Winter Glow Discover a glowing winter wonderland at Adventure Park these July school holidays... a new festival featuring snow, lights, fire and ice! With snow, dazzling magical & immersive light installations & spectacular fire-twirling & ice-sculpting displays. Kids can touch real snow for the first time and make snowmen and snow angels in our massive snow play zone. There’ll be impressive ice-sculpting and fire twirling displays every day and hundreds of glittering light installations across the park. Roasted marshmallows, hot chocolate, spiced cider and mulled wine will keep you warm while the kids decorate cookies to take home as a souvenir treat. Six of our dry rides will be running and included in the admission cost. See the website for more information and tickets.

When Daily from 25 June 2021 to 10 July 2021

Contact Adventure Park Geelong

Upcoming dates

Email: havefun@adventurepark.com.au

25 June 2021, 03:00 PM - 08:00 PM 26 June 2021, 03:00 PM - 08:00 PM 27 June 2021, 03:00 PM - 08:00 PM 28 June 2021, 03:00 PM - 08:00 PM 29 June 2021, 03:00 PM - 08:00 PM

Phone: 0352507200

Show more dates

Associated organisation: Adventure Park Website: www.winterglow.com.au Facebook:www.facebook.com/ adventurepark/

Reconciliation in the Park 2021 Reconciliation in the Park is a National Reconciliation Week event povided by local Aboriginal community organisations and community members in association with Geelong One Fire Reconciliation Group. Everyone is welcome to attend this free one day event, to participate in activities that share culture, history, story and music on Wadawurrung Country. When 11 July 2021, 10:00 AM - 03:00 PM Where Johnstone Park Gheringhap Street, Geelong 3220 Cost This is a free event Contact Vicky Grosser Email: geelongonefire@gmail.com Phone: 0402 932 207 Website: www.djillong.net.au Facebook: http://www.facebook.com/recinthepark

findgeelong.com.au

JULY 2021 | FIND GEELONG

Victorian Country Championships 2021 2021 Country League Football Association COUNTRY CHAMPIONSHIPS Friday 1st to Sunday 3rd October 2021 Hosting boys and girls representative teams from Regional Victoria for a football extravaganza at Myers Reserve and Stead Park. Welcoming more than 4000 football players and visitors from Bendigo, Ballarat, Albury/Wodonga, Gippsland, La Trobe Valley, Mildura, Shepparton and Warrnambool. This event is proudly supported by the City of Greater Geelong. When Daily from 01 October 2021 to 03 October 2021 Upcoming dates 01 October 2021, 08:00 AM - 04:00 PM 02 October 2021, 08:00 AM - 04:00 PM 03 October 2021, 08:00 AM - 04:00 PM Where Geelong Rangers Soccer Club Myers Reserve, Creamery Road

Cost This is a free event Facilities • Catering and/or dining • Change room facilities • Children’s activities • First Aid available • Parking available • Toilets available • Undercover areas Contact Lisa Brooks Email: countrychampionships@gmail.com Phone: 0407480026 Associated organisation: Geelong Region Football Committee Website: countrychampsvic.com Facebook: www.facebook. com/2021CountryChamps

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

White Night Geelong 2021 Geelong will shine bright when White Night returns this year, giving locals and businesses a boost as major events return to the calendar in 2021. White Night Geelong will this year take place on 6 November, after the colourful spectacle made its debut in 2018. Colourful projections and installations will bring the city’s streets, laneways and parks to life, and also transform the Geelong foreshore. An expression of interest is now open to artists in the categories of installation, visual art, lighting, audio-visual, projection, film, music and performance exploring the theme ‘everything on the land is reflected in the sky’. The 2021 program will embrace the global spirit of White Night as a vibrant and inclusive celebration of community participation through immersive art installations in city spaces.

The city will be transformed through stunning illumination and projection, music, performance, art, culinary experiences, and interactive works from local, national, and international artists. The program will capitalise on what makes Geelong unique and elevate the city’s cultural and gastronomic credentials, as well as its reputation for design and rich music scene. Supported by the state’s primary tourism and events body, Visit Victoria, White Night 2021 is led by internationally acclaimed artist Joseph O’Farrell (JOF) who will lead the charge as creative director. White Night Geelong 2018 attracted 70,000 attendees and delivered an economic impact of $6.1 million to the region. The return of White Night Geelong in 2021 will provide more good news for local businesses and showcase local talent and produce as visitors converge on the city and give local tourism operators a boost.

White Night is a State Government of Victoria initiative that is owned and managed by Visit Victoria. When 06 November 2021 Where Various locations in Central Geelong Johnstone Park, Geelong 3220 Cost This is a free event Facilities • Catering and/or dining • Children’s activities • Wheelchair accessible Contact Associated organisation: Visit Victoria Website: www.whitenight.com.au

findgeelong.com.au

JULY 2021 | FIND GEELONG

2021 Australian International Airshow

***EVENT RESCHEDULED TO 30 NOVEMBER - 5 DECEMBER 2021 *** Deferring AVALON 2021 to late in 2021 will ensure the event serves its purpose as a spectacular celebration of 100 years of the Royal Australian Air Force. We are so pleased to see so many of our events including virtual elements during this difficult time. And if you’re getting a bit bored of isolation baking and video games, we’ve got something to brighten your day.

The Airshow is a unique and exciting event appealing to patrons from all facets of the community; members of the defense forces, corporate business and aviation enthusiasts alike. Patrons can mingle in the elaborate trade halls, wander amongst the most exciting crafts in the world, be entranced by the dazzling aerobatic displays or just soak up the atmosphere by the runway.

With earplugs at the ready thousands huddle together, and gaze in amazement as pilots take their crafts to the ultimate extreme.

It will also boast a large number of vintage, classic and experimental aircraft and high flying barnstormers and precision stunt performers.

When Daily from 30 November 2021 to 05 December 2021

The ambience is exciting, and the sheer volume rattles you to the core! AIRSHOW 2021 will feature a vast array of the latest military heavy metal from Australia and overseas including super sonic jet fighters and attack helicopters.

Try something new this weekend with free to Avalon Airshow colouring pages. Creative, fun and a great mindfulness activity for the whole family! Save the colouring images on the right to your computer and get started or download via the official Airshow web page. The Australian International Airshow is a pinnacle event for the Geelong Region, attracting crowds in the tens of thousands worldwide! In 2021, see the centenary of the RAAF milestone event. The skies over Avalon will erupt with the biggest and best Airshow ever staged in Australia! Don’t miss the boom and zoom of military and civil aircraft, death defying aerobatics and celebrate 100 Years of The Royal Australian Air Force. Plus loads of fun for kids and the whole family.

Among the many attractions will be Night Alight, an after dark aviation spectacular with its totally breathtaking, fiery and explosive finale. The Avalon-based event will also present a host of ground attractions and historic re-enactments. This event is proudly supported by the City of Greater Geelong.

Where Avalon Airport, Geelong 80 Beach Rd Lara Contact Airshows Downunder Email: airshow@amda.com.au Phone: 03 5282 0500 Fax: 03 5272 4455 Associated organisation: Airshows Downunder Website: www.airshow.com.au

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Blues Train Revival Concert Series The Queenscliff and the Bellarine’s iconic Blues Train is back! Head to the Blues Train website to book your tickets and secure your place at The Blues Train Revival Concert Series in October. See amazing blues acts, enjoy dinner and drinks while you journey along the Bellarine Railway! October will take the form of regular trains under the banner “The Blues Train Revival Concert Series, with thanks to support from the Borough of Queenscliff and the Melbourne Arts Centre. Stay tuned for further announcements to come regarding November shows.

When Every Saturday of every week from 02 October 2021 to 23 October 2021

• • •

Upcoming dates 02 October 2021 09 October 2021 16 October 2021 23 October 2021

Contact Bay City Events

Where Queenscliff Railway Station 20 Symonds St Queenscliff Facilities • Catering and/or dining • First Aid available • Parking available • Seating/viewing areas

Toilets available Undercover areas Wheelchair accessible

Email: info@baycityevents.com.au Phone: 1300885993 Associated organisation: Bay City Events Website: www.thebluestrain.com.au Facebook: www.facebook.com/thebluestrain/

findgeelong.com.au

JULY 2021 | FIND GEELONG

EVENT POSTPONED TO SUNDAY 29 AUGUST 2021 *** Sweetfest 2021 is the 2nd instalment of a FREE, all-ages music festival brought to you by the Sweethearts Foundation. RSVP here and go in the running to win a stack of sweet prizes on the day. Four stages of live music from a selection of the best national and local female musicians as well as industry workshops/Q&A panels. Line-up: Alex Lahey (Solo) Haley Mary • Emma Donovan & The Putbacks • Sweethearts Ebony and the Dilemmas • Fulton Street • Cry Baby • Sirens • Rach Brennan • Libby Steel • Ella Sweeney • Young Hearts • Mink Mila • Kim Cooper • Lique • Andrea Robertson • Carly Robertson • Hassall • Operation Karma • Brunette Red Dress This project is supported by the City of Greater Geelong through the Arts & Culture Arts Industry Commissions. When 29 August 2021, 11:00 AM - 06:30 PM

Email: michael@sweethearts.com.au

Where Little Malop St Precinct: an outdoor stage, and venues including Beav’s Bar, Pistol Pete’s Food & Blues & Ripe Pizza Bar.Little Malop St Precinct

Phone: 0438911478

Cost This is a free event Contact Michael Fitzgerald

Associated organisation: The Sweethearts Foundation Inc. Website: www.sweethearts.com.au/sweetmusicfest/ Facebook: https://fb.me/e/cYVkLDRxT

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

Guide To Geelong Waterfront Waterfront Geelong History The Geelong Waterfront has been an integral part of the city’s economic and social community for over 150 years. Without it, Geelong would not be the magnificent city it is today. And what you see as you stroll its beautiful boulevards is the result of over 100 years of vision, focus, and dedication. In the early years, Geelong was an official port for the exportation of gold. Its location was ideal for miners as they could avoid travelling through Melbourne and it was closer to the Ballarat Goldfields. In 1868 the first wool mills opened in Geelong and massive wool sheds sprung up along the foreshore. Most of the Waterfront was dedicated to the wool trade and for a time the city was known as ‘the wool centre of the world’. By the turn of the 20th century, Geelong was a major agricultural trading port. And by the 1940s wool was the second largest export commodity out of the port. Stage 1 of the city foreshore beautification plan began in the mid-1980s and involved landscaping the Corio Bay Crescent between Rippleside and Limeburners Point. In 1995 a partnership was formed between the Victorian State Government and the City Of Greater Geelong to redevelop and beautify the area. A major goal was to transform the waterfront into a local and tourist destination capable of drawing traffic from the highway en route to The Bellarine and Great Ocean Road – Victoria’s busiest tourist route. They’ve well and truly achieved that goal and the Geelong Waterfront is now a major Victoria tourist attraction with hundreds of thousands of visitors a year. Here are just some of the things you can see and do when you visit. Geelong Baywalk The Geelong Baywalk allows ease of movement between the different bayside areas. Considered critical to the success of the Waterfront, the path allows people to move safely and without interruption along the foreshore from Limeburners Point to Rippleside Park. The walk is quite magical in the early mornings and evenings and there are plenty of seats and stopping points along the way. One of the many highlights you’ll see are the bollards that make up the Geelong Baywalk Bollard Trail.

findgeelong.com.au

JULY 2021 | FIND GEELONG

Geelong Baywalk Bollards Geelong Baywalk Bollards Made from old timber pylons from the demolished Yarra Street pier, the Geelong Bollards are a visual history of the city. Created by local artist Jan Mitchell, over 100 of these colourful characters line the 3-kilometre path along Corio Bay. Each bollard tells a story about the people who played a part in the city’s history.

If you would like to know more about the Geelong Bollards you can read our full guide by clicking here.

Eastern Beach Geelong One of the best and most loved Geelong places to visit is Eastern Beach. Located at the eastern end of the Waterfront, it’s the city’s favourite spot to play, and it’s one of the great places in Geelong for families with kids. Here you’ll find the iconic promenade, a kiddies pool, and a shark-proof swimming enclosure. Kids love the playground, water activities, and the Giant Skywheel, and adults enjoy the lush lawns, barbecues, and nearby cafe. You can read our full guide to Eastern Beach by clicking here. JULY 2021 | FIND GEELONG

Geelong

Located in the heart of the city, Westfield Geelong is your one-stop hub for shopping, food, fun and relaxation. Geelong’s premier shopping destination for fashion and beauty. Home to some of Australia’s best-known retailers including Myer, Big W, Target and Coles as well more than 160 specialty stores. A great range of cafes, restaurants and lunch options. A friendly Concierge team is available to help with: Westfield gift cards, personal styling sessions, hiring mobility equipment, Kiddy cars, mobile phone charging station, and parking information and more. There are plenty of amenities, a parent’s room on each level and an adult change facility; Changing Places. Located two blocks back from the water front, between Malop Street and Brougham Street.

Shop

Eat

3. Going solo: Last year was all about family play but this year Aussie kids are using their imagination and experimenting solo.

Toy Mania is back at BIG W! The early 2-day online only sale kicked off Tuesday 15 June 7am AEST and is in stores Thursday 17 June. In the biggest Toy Mania ever, over 1,000 toys will go on sale with special deals on some of the hottest new toys on the market and up to 50% off big brands including LEGO, Barbie, Hot Wheels and Fisher Price.

This year, dolls and playsets, action figures, cars and construction sets are making up four of the top five fastest growing categories at BIG W, based on year-on-year data. Imaginary play will come to life this Christmas with the exclusive Bosch Work Bench ($49), new LEGO Batman vs The Joker ($39) and Hot Wheels Super Ultimate Garage ($169). 2. Holidaying at home: Trading the family trip to Thailand for a trampoline? Holidaying at home has seen Aussies transform their homes into playtime paradise, investing in bigger ticket items. Outdoor playsets, cubby houses, scooters and bikes have seen huge growth, with the category up 39% on last year. Scoot into outdoor fun this Toy Mania with a Huffy Alloy Inline Scooter ($39) or snap one of this year’s must-have items; the new and exclusive Bluey trampoline ($129).

The top toy trends according to BIG W: 1. Schoolyard fun: Toys once again rule the school as Aussie kids are free to play, co-create, trade and show off their favourite toys. Schoolyard classics like Beyblades, Bakugan and Loom Bands are hot property this year with the ever-popular Pokémon brand seeing a 64% sales growth year-onyear. The new Beyblade Speedstorm Battle Set ($69) and exclusive Bakugan Fusion Bundle ($49) are two hot items that will be sure to get everyone on the playground joining in.

4. Big Kid Collectors: Proving fun doesn’t get old, more adults are turning to toys to bring joy and play into their lives. From Star Wars to Marvel, Harry Potter and Barbie, collectables is BIG W’s fastest growing category this year, transporting their owners to a different time and helping bring out their inner child. BIG W has fanatics covered with the new Avengers Thor & Loki collectibles ($29) and limited-edition picks from Care Bear Hopeful Heart Bear ($39) and My Little Pony Pinkie Pie ($39). 5. The small screen reigns supreme: With blockbuster releases taking a back seat this past year, Aussie kids have turned to the small screen to keep entertained. TV shows like Bluey and LEGO Masters are exploding on screens across the nation, with kids snapping up toys to match. With YouTube Kids and TikTok inspiring fun and gaming remaining a firm favourite, tech toys like the DGTEC 7-inch tablet ($29) that get kids plugged in, or playing, like the Nintendo Switch Lite ($289), are tipped to fly off shelves.  Toy Mania begins in store 17 June and ends 14 July 2021. Hurry, while stocks last.

FIND GEELONG | JULY 2021

findgeelong.com.au

RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

RETIREMENT

We will look after your financial affairs so you can enjoy your retirement. WHO WE ARE

WHERE WE WORK

Find Retirement is a part of the Find Group of companies offering Retirement Planning, Accounting, Super, and Insurance service to our clients.

We service clients throughout Melbourne, Bendigo and Geelong and surrounding areas. With access to the internet it does not matter where you live.

WHAT WE DO We don’t sell proucts but provide simple retirement planning solutions. Bendigo | Geelong | Melbourne

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. Superannuation, tax and Centrelink and other relevant information is based on our interpretation and continuation of law current as at the date of this document. The information contained in this document does not constitute legal or tax advice. You should seek expert advice in this regard. Warren Strybosch, Find Wealth Pty Limited ABN 20 140 585 075 trading as Find Retirement, Corporate Authorised Representative No. 236815 of ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFSL No. 331367.

findgeelong.com.au

JULY 2021 | FIND GEELONG

REDOM

Is A Mental Issue

RETIREMENT By Bernard Kelly

Because we are the first generation who are living – en masse – into our 90s, we have never been taught how best to combat boredom. There are no roadmaps – we are pioneers who must find our own pathway. Boredom is actually a mental issue – if we can’t control our minds, then external forces will. Our brains are living organisms, wanting to acquire knowledge. And if we don’t put our hands on the tiller, television and newspapers will fill the gap. CONTINUE LEARNING The first antidote is to continue learning. The phase Lifelong Learning is now in common usage, and for good reason. We now have 35 years in retirement, and we will obviously need to forget most of what we knew, and learn about our constantly changing circumstances. Formal programs are best, as the structure will keep you focused, and an online undergraduate degree will provide you with direction for the next eight years.

GROUP PARTICIPATION Group Participation is an activity that most of us never learned, but it’s a fine medication to combat boredom. Take Rotary for instance. When you join Rotary, the schedule is laid out for you, and who your team associates will be. This is active in-depth Participation, and so in contrast to the very individual activity of borrowing books from your local library. TECHNOLOGY Another approach technology.

embrace

There is so much to learn and do – banking, shopping, health management, socialisation etc. It is easy to incorporate technology into your lifestyle – you could be watching live feeds of birdlife in the UK or playing games against international teams. MINDFULNESS This is all about stress reduction – and stress is all too common in our world.

It’s also about happiness – something Buddist monks know all about, but when we’re listening to the radio while preparing breakfast and simultaneously thinking about next weekend, we fail to see cloud formations or flowers in bloom in the garden. Mindfulness is up there as a primary tool to combat boredom. COMMUNITY RESOURCES Community resources are everywhere – and if you’re surprised it’s because you haven’t looked for them. My suggestion is to look for Neighbourhood Houses in your locality. They host choirs, low cost lunches, gardening clubs and other numerous activities that will help you combat boredom.

Bernard Kelly 0414 778 518 Bernard Kelly has a focus on offering solutions to retirement issues. His email is

bernardkellygeelong@gmail.com JULY 2021 | FIND GEELONG

PAGES

PROFESSIONAL SERVICES Special Tax Return Offer

1300 88 38 30

INDEX PROFESSIONAL SERVICES • Find Accountant ----------------- 60 • Find Insurance ------------------- 60 • Financial Planner --------------- 61 • Finance Broker --------------------63 • Bookkeeping ---------------------- 61 • Business Coach ------------------ 63 • Business Knowledge System --- 57 • Lawyers ------------------------------- 61 • Video Confidence ------------- 62 • Web Developer ------------------ 63 • General Insurance ------------- 62 • Life Coach --------------------------- 62 • Salary Packaging Services 62

Leadership and Team Development .....Imagine a team where each individual is so strong in self that their focus is how to move together as one.... SERVICES LEADERSHIP COACHING & DEVELOPMENT

Leadership coaching that connects your team and drives results

TEAM COACHING & DEVELOPMENT

BEHAVIOURAL PROFILING

CONTACT SALLY HIGOE

BUSINESS GAP ANALYSIS

IN-HOUSE & ONLINE TRAINING

WORKSHOPS/WEBINARS

Resilience Coach Team Resilience Method 0490 388 017 sally@team-resilience.com.au www.theresaliantcemethod.com.au

PAGES

PROFESSIONAL SERVICES

CREATE WEALTH, CREATE CHOICES, CREATE YOUR FUTURE CONTACT US

OUR SERVICES MONEY COACHING

1300 667 141

This is where we take It’s not about super or investments or returns or anything ‘financy’. We aren’t going to discuss that. It’s about your attitudes to and behaviours with money. And having a program to take control. At the deepest level this is actually about self respect. For you and your family.

mark@moneyrocketadvice.com.au

The Infinity Program DIY online course

www.moneyrocket.com.au

Cashflow PT 1-on-1 coaching PERSONAL ADVICE This is where we take the time to get to know you and your financial life in detail. You decide what you want us to look at and you will receive a deeply thought-out financial plan in writing. We stay in touch with you over the journey and make changes as needed so that your best interests are always served. An example of this is reducing insurance when appropriate so you aren’t paying more than you have to.

MARK KRUGER Financial planner

Retirement planning

Super, investments Insurance - Life, TPD, Income, Protection, Trauma Saving for education Purchasing your first home

Centrelink Best uses for cash Singles / couples, young or old

Biscuit Business Services Helping your business keep track of your bickies! OUR SERVICES

MARY-CLEAR SWITZ Bookkeeper

CONTACT

BAS Services

0422 800 012

Bookkeeping & Payroll

mc@biscuitbooks.com.au

Services 7A 9A-11 Leather Street, Breakwater VIC 3219

Business Services

Biscuit Business Services provides professional, confidential and comprehensive bookkeeping, payroll, BAS and administrative solutions to small to medium businesses. We specialise in working with ‘in the cloud’ bookkeeping and document solutions to effectively keep your business up to date and on track. We believe in a strong team approach when working with our clients and their Tax Agents.

GEELONG’S PREMIER NEWLAW FIRM WITH A PERSONAL APPROACH. WE PROVIDE HIGH QUALITY, TIMELY & TAILORED LEGAL SOLUTIONS WITH PRICE CERTAINTY AUSTRALIA WIDE. OUR SERVICES

CONVEYANCING & LEASES

PROBATE

Suite 3, 50-58 Moorabool St Geelong VIC Australia 3220

COMMERCIAL & CORPORATE

CRIMINAL LAW

Available 24 hours

FAMILY LAW

ADVOCACY & MEDIATION

0429 312 986

WILLS & ESTATE PLANNING

IMMIGRATION & VISAS

john@vanbeveren.com.au

Van Beveren Lawyers based in Geelong provide high-quality, timely and tailored legal solutions with price certainty Australia-wide. We focus on quality services, building relationships and forging longterm partnerships. Together, we invest in your ongoing success

JOHN VAN BEVEREN Lawyers & Conveyancers JULY 2021 | FIND GEELONG

PAGES

PROFESSIONAL SERVICES

EVERYONE HAS THEIR THING. OURS IS DOMAIN NAMES. Whatever your thing is, your domain name is an important part. We want to make that part better.

OUR SERVICES

Full of Video Strategy & Marketing at Video

1/16 Redfearn Court Corio Geelong 3214 430 473 204

zoe@vcc.training

ZOË WOOD

Ever since Childhood, I’ve been distracted by moving pictures. So it only seemed natural to seek work and education in his field when the time came. After many years working such as director, editor, crew member and camera operator for other video production companies I decided to take the plunge and start my own.

Knowledge, Service and Value... In Everything We Do. OUR SERVICES

Personal Coverage

State Route 278 & Westbury Park Way in Bluffton, SC.

Commercial Coverage

info@belmontinsuranceservices.com

Policy Services

843 757 3838

Belmont Insurance Services is a locally owned, independent insurance agency with offices in Bluffton, South Carolina. We rely on a wealth of experience – three generations of industry service – to provide the precise amount and type of insurance coverage for individuals or companies.

NICOLE NELSON General Insurance

Belmont specializes in serving families, businesses and individuals with insurance coverages customized for you and your specific situation. A “hands-on” depth of insurance experience and the commitment to choose the right coverage with the highest level of personal service is what makes Belmont different.

Without why, we have no direction! Find your WHY! Move Forward - Create Change! At My Y, we believe you really can do anything if you know and understand your why! We work alongside you to help you find your why and show you how to use the information and skills to really do anything your heart desires.

OUR SERVICES Performance & Career Coaching E -DISC Profiling

Lou Lugsdin Life Coach

Ocean Grove Bellarine Peninsula VIC

Councilling

0408 370 757 info@my-y.com.au

Beat Procrastination & Get More Done

www.my-y.com.au

Discovery Call

Make great decisions, achieve personal and professional success and navigate life’s challenges.

Salary Packaging means you can pay less tax, use your pre-tax income to pay for everyday expenses and make your salary go further. Services

Dan Nicholls Salary Packaging Services

• • • • •

Packaging administration One-on-one customer service Staff and organisation resources Comprehensive and always on-time FBT reporting Direct to employee claim benefits paid in one working day

Call us now (03) 5229 4200

We ensure your staff get the full advantage of their entitlements, because taking care of your staff is our business.

PAGES

PROFESSIONAL SERVICES

Welcome to aWebpage, your one-stop-shop for brocure sites & bespoke web applications. Our project delivery process maximises you project success.

our services

ADAM SIMS Web Developer

Plan a Webpage

1300 667 141

Build a Webpage

adam@awebpage.com.au

Launch a Webpage

PO BOX 4336 Geelong, VIC, Australia

No matter your business focus, we can help.

Discover how we can make your next web project a whole-of-business success. Find out more. Engage us and begin your journey!

Finance with a different accent... Services Residential Investment Loans Commercial Loans

ALLAN HOULISTON

Contact 0405 140 003 Office address: 5/329 Pakington Street, Newtown, Vic, 3220

Vehicle and Asset Loans

info@aislingfinancial.com.au

Self-Managed Super Fund Lending

www.cruzingaragedoors.com.au

Finance Broker

DEVELOPING EXCELLENCE IN BUSINESS SERVICES MENTORING

WORKSHOPS

COACHING

ONLINE TRAINING

MASTER CLASS

STRATEGIC PLANNING

IN-HOUSE TRAINING

CONTACT

DEB FRIBBINS Business Coach

0400 524 451 deb@debconsulting.com.au

www.developingexcellenceinbusiness.com.au DICOVER MORE ABOUT THE 5D PROCESS

JULY 2021 | FIND GEELONG

PAGES

LOCAL TRADIES

We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies.

Email your ad to editor@findgeelong.com.au

INDEX

PRISTINE OUTDOOR PROPERTY SERVICES

PROFESSIONAL SERVICES • • • • • • •

Property Services ------64 Specialist Tree Services Interior Design Mowing Building Inspection Nursey Flooring

SERVICES ( Covering Domestic and Commercial )

Mowing (small to acreage) Garden Clean Up/Maintenance Window Cleaning Gutter Cleaning Pressure Washing

DANIEL TOMLINSON

CONTACT

Property Services

0468 485 122 danatpops@gmail.com www.pristineoutdoorpropertyservices.com.au/ ‘Servicing Golden Plains and Geelong

A beautiful lawn doesn’t happen by itself

PAGES

HOME & GARDEN

We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies.

Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • • •

DAHLLOF PAINTING SERVICES OUR SERVICES

Painting Services------ 65 Garage Doors-----------65 Interior Design Mowing Building Inspection Nursey Flooring

PAINTING SERVICES

INTERIOR PAINTING

We are lacated in Geelong, Victoria! Stephen Dahllof Painting Services Servicing Geelong and Surrounding Areas

0407 365 372 kerna1967@gmail.com

www.stevedahllofofpaintingservices.com.au

Concept to Creation - Perfect From Start to Finish

We are available for Emergency Repairs 24/7 in Melbourne and Surrounding Areas A Garage Door Specialist you can Trust Regardless of the type of garage door you own, we at Cruzin Garage Doors, have the skills and expertise to either repair or replace your current garage door. For new installations we are also the ones to call. • Roller garage doors • Wooden garage doors • Security garage doors • Garage door locks • Electric garage doors • Up and over garage doors

Trustworthy 24/7 Garage Door Installation We’re a team you can trust when it comes to installation your new garage doors. We work to the highest of safety and is realiably secure. Not only that, but we are available 24 hours a day, 7 days a week. Contact us with you garage door emergencies at any time of the day or night. Hours of Operation

sales@cruzingaragedoors.com.au

• Mon to Fri: 9:00 am - 5:00 pm

www.cruzingaragedoors.com.au

• Sat to Sun: CLOSED

PAGES PAGES

HOME & GARDEN

We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies.

Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Hair Dresser Osteopath Chiropractor Beauty Therapy Gym Massage Therapy

TRADIES - FREE ADVERTISING Email your artwork to editor@findgeelong.com.au. If you wish us to create your ad, we will do this for a minimal cost. Go to www.findgeelong.com.au/graphic-design to upload your details and we will create this for you. The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au

Making the Most of Moments WELLNESS By Georgia Walker

‘Life is made up of moments’ …. ‘Time is precious’ If statements such as these are true, then are we making the most of our time and moments? We have all most certainly heard of the ‘buzz’ word mindfulness. What is it? What is all the fuss about? To put it simply mindfulness is the act of living in the present moment, paying attention and being engaged with what is happening around us. Sounds simple enough but this can actually be quite a challenge as our minds in their state of constant chatter and endless thoughts seem to take us away from the present moment, therefore missing out on our precious moments. The opposite of mindfulness is mindlessness; eating without noticing flavours, reading a few sentences and unable to remember what you have read, getting home and not remembering the drive, lost in thought worrying about the future or mourning the past. Some of the benefits of mindfulness are that, it helps us to focus, gives us more energy, helps us to worry less, reduces anxiety and gives us the opportunity to become more in tune with our bodies and what we are feeling and experiencing. It is through this awareness and attunement we are then able to listen to our bodies and recognise when something is out of balance or not quite ok. Becoming mindful takes practise. By making a commitment, even as little as a few minutes a day can help us develop this important skill. So how do we do this? Here are a few brief tips to get you started. 1: Find a space where you can sit and get comfortable. Close your eyes if you like. Begin to take notice of your breath as it flows in and out of your body. Take notice of all the sounds you can hear. Then notice what your body is feeling, eg: cold, hot, tingly, tense, relaxed…. Every time your mind begins to wander or think (and it will) gently bring your focus back to the present by paying attention to the sounds, your breath and your body. 2: Choose a task you do every day eg; washing dishes, brushing teeth, getting dressed etc… And every time you do this task immerse yourself and pay attention to what you are actually doing by noticing sounds, your breathing, how your body is feeling and what you are seeing. Again as your mind wanders bring it gently back to the present moment by focusing on what you are doing through your senses. With practise you will find that living mindfully will help you make the most of your moments!

Georgia Walker Wellbeing Specialist/Counsellor 0400 273 180 mindhealth8@yahoo.com.au

JULY 2021 | FIND GEELONG

FIND GEELONG | JULY 2021

findgeelong.com.au

VICTORIA WINS RSL NATIONAL LAWN BOWLS CHAMPIONSHIP Victoria has won the 53RD National RSL Lawn Bowls Championship, successfully winning all Tests at the National RSL Bowls Carnival in Sydney ,at the Cabramatta Bowling Club on 28th to 30th April 2021. This carnival is run on an annual basis, vying for the Jack Hamilton VC trophy, with each of the states hosting the event on a rotational basis. Perth is host for the 54th National Carnival in April 2022. Twenty players in five rinks of four, as selected by their respective state bodies, compete in 5 tests over two and a half days in fierce but friendly competition. This competition also allows all participants to renew old acquaintances and to create new and lasting friendships with all the people who have served our country with courage, dignity and pride. Congratulations to all Victoria’s players for a magnificent effort. This event is open to full service RSL members only, but Victorian RSL Lawn Bowls conducts a few RSL State events open to all Affiliate and Service members. These include: * RSL State fours and triples championships, * ANZAC Day Tournament and the Challenge Day tournament, * Duke of Edinburgh Shield. * Further news on the Edinburgh Shield in next edition.

findgeelong.com.au

JULY 2021 | FIND GEELONG

Geelong Cats - Season 2021 Let’s go blue and white! Stand proud and support our boys as they take on the 2021 AFL season. “We are Geelong, the greatest team of all!” •

Geelong Cats V Essendon - AAMI Community Series Game starts 7.10pm. To keep supporters safe on game day, the traffic conditions around GMHBA Stadium will change from 6.00pm. Please refer to Major Event ‘Game Day’ Changes to Traffic Conditions below.

2021 Season (home games at GMHBA Stadium): •

Round 2: Friday 26 March Geelong Cats v Brisbane Lions, 7:20pm

•

Round 5: Sunday 18 April Geelong Cats v Melbourne, 4.40pm

•

Round 6: Saturday 24 April Geelong Cats v West Coast, 2.45pm

The following dates are TENTATIVE - as part of the COVID Safe rollout of the 2021 AFL season •

Round 10: Saturday 22 May Geelong Cats v Gold Coast Suns, 1pm More games

When Various dates from 26 March 2021 to 21 August 2021 Upcoming dates 18 April 2021 24 April 2021 22 May 2021

Show more dates

Where GMHBA Stadium 370 Moorabool Street, Geelong 3220

JULY 2021 | FIND GEELONG

July 2021

Birth, Deaths & Marriages

Free Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findgeelong.com.au

July 2021

Birth, Deaths & Marriages

Free Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findgeelong.com.au

JULY 2021 | FIND GEELONG

GEELONG

Support your Local Not-For-Profit

Find Coffee

Find Dining

FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

Find Takeaway

Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

Find Brekky, Brunch, Lunch Cafés & Bistro

Contact your Not-For Profit to obtain your Find Card. Only Find Cards can be in conjuction with the offers and must be presented to participating businesses.

LOCAL COUPONS

31 January 2021- 31 January 2022

Up to 50% of generated funds goes to Not-For Profit organisation.

FIND CARD LOCAL OFFERS

M A

E L P

PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findgeelong.com.au/register Please refer to Page 97

LOCAL COUPONS OFFERS JULY 2021 | FIND GEELONG

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

PAGE NO.

FIND COFFEE COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND BREKKY, BRUNCH & LUNCH COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND ENTERTAINMENT COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TAKEAWAY COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TRAVEL COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND DINING COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

Dining

Part of the secret of success is to eat what you like and let the food fight it out inside. FIND ADVERTISING COUPONS editor@findgeelong.com.au 1300 88 38 30

S S

M A

E L P E L P

S S

M A

E L P

Brekky, Brunch & Lunch The best memories are made when gathered around the table

FIND ADVERTISING COUPONS editor@findgeelong.com.au 1300 88 38 30

M A

E L P

& Lunch

M A

E L P

M A

E L P E L P

S S

M A M A

E L P E L P

Coffee

COFFEE WITH A FRIEND IS LIKE CAPTURING HAPPINESS IN A CUP.

FIND ADVERTISING COUPONS editor@findgeelong.com.au 1300 88 38 30

S S

M A M A

E L P E L P

Takeaway

You don't need a silver fork to eat good food

FIND ADVERTISING COUPONS editor@findgeelong.com.au 1300 88 38 30

M A

E L P

NEW OFFERS COMING

Entertainment

Dance is the poetic baring of the soul through motion FIND ADVERTISING COUPONS editor@findgeelong.com.au 1300 88 38 30

S S

M A M A

E L P E L P

S S

M A M A

E L P E L P

S S

M A

E L P E L P

Coupons &

Any changes or updates to these ‘Terms of Use’ of the

Non-Transfer The barter trade, sale, purchase, or transfer of the Find Coupons &/or Find Cards, by any person or entity, including but not limited to business placing offers in the Find Paper, printers, publishers, and distributors of the Find Coupons /Find Card, is strictly prohibited, unless expressly authorized by Find Pty. Ltd. Find reserves the right to make changes to the participants and their offers at its sole discretion. Members will be notified of these changes via email or via the Site. The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons. Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2020 Find.

Find Cards Policy

e Find Cards and/or Find Coupons can be found here.

Valid Periods Find Restaurant, Find Cafe & Find Coffee offers can be used at participating businesses any time except the following days: *Christmas Eve *Christmas Day *Boxing Day * New Year’s Eve *New Year’s Day * Valentine’s Day *Good Friday *Easter Sunday *Mother’s Day. Some restaurant/Cafe/Coffe establishments will have additional terms and conditions on the page where the business is advertising their offer).

Present Find Card You are required to present your Find Card at any participating businesses if you wish to secure the discount or goods/service being offered.

Authentication Code & Customer Signature All Find Cards must display an Authentication Code and a members signature to be deemed VALID. If your Find Cards does not display your signature and the correct code, the business can refuse to provide the discount offer advertised. You will receive your Authentication code after registering your Find Card.

PRESENT VALID FIND CARDS

VALID

Valid Find Cards have four folds and contain six different categories. Valid Find Cards will have its Regions logo sticker placed in the circle at the back and has an Authentication code display in front of the Find Cards.

NOT VALID

Find Cards that DO NOT display its Regions Sticker in the circle at the back and DO NOT display an Authentication code in front of the Find Card are INVALID. They will not be accepted at any participating businesses. Also, your signature must be present. You may be asked to present ID to verify that Find Card belongs to you.

Present the Find Card and ID prior to paying bill. Card is Non-Transferable. Each offer corresponds to a number on the card. Number will be crossed off once offer used. This is not a credit or charge card. Copyright 2021 Find© Pty Ltd.