Find Geelong - June Edition 2021 by Find

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JUNE 2021

WHAT’S INSIDE: 04

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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.

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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.

Ban on overseas travel valid, court says Paul Osborne (Australian Associated Press)

A bid to overturn Health Minister Greg Hunt’s ban on Australians travelling overseas has been dismissed by the Full Court of the Federal Court. Lobby group LibertyWorks had argued the restriction, imposed due to the coronavirus pandemic, was invalid and unduly impinged on individual rights. Apart from the recent opening of the New Zealand travel bubble, people seeking to travel overseas have since March 2020 had to get a special exemption from the Department of Home Affairs. The think-tank challenged the ban after one of its employees could not get an exemption to travel in late 2020. But the case was dismissed by the court on Tuesday. LibertyWorks was also ordered to pay the federal government’s costs. Section 477 and 478 of the biosecurity act allows the health minister to require or direct people to follow certain biosecurity

measures once a pandemic has been declared. Solicitor-General Stephen Donaghue QC, representing the Commonwealth, told the court on May 5 that upholding LibertyWorks’ case would scupper the ability of the federal government to order people to wear masks, do contact tracing or keep people out of aged care homes.

He noted the health minister was restricted in imposing requirements on a specific person in a way that could identify them. But the determination restricting outbound travel “does not single out” particular people, Mr Donaghue said. The court is expected to publish its written reasons later on Tuesday. JUNE 2021 | FIND GEELONG

FIND GEELONG | JUNE 2021

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Housing Affordability In Australia – A Rental Crises By Warren Strybosch

The crises around the affordability to rent is becoming more of an increasing issue for everyday Australians. The issue currently is not about affording your own home but rather about the ability to afford the rise in rental costs. With the increase in the cost of living, rental prices going up, COVID restrictions, no real increase in wages, and many investors moving back into their own investment properties, we are starting to see more and more families being displaced from their rental properties. Many people are finding it difficult to afford a home to live in. We are not talking about the ability to purchase of a home but simply the ability to pay rent so you have a roof over your head. What is housing affordability? The term ‘housing affordability’ usually refers to the relationship between expenditure on housing (prices, mortgage payments or rents) and household incomes. The concept of housing affordability is different to the concept of ‘affordable housing’, which refers to low-income or social housing. Affordability for owners

Source: Reiv, https://reiv.com.au/market-insights/victorian-insights)

Loans for investment property continue to gain pace, while owner-occupied lending slowed in April, according to new APRA data. The latest monthly authorised deposittaking institution (ADI) statistics from the Australian Prudential Regulation Authority (APRA) have showed that total residents’ loans and finance leases increased by 0.2 per cent ($6 billion) over the month of April. In home lending, owner-occupied loans grew by $6.9 billion or 0.6 per cent. However, the rate of growth continues to slow, having previously increased by 0.7 per cent ($8.3 billion) in March.

Housing affordability in Australia has broadly declined since the early 1980s. The OECD’s price to income ratio index shows an 82% increase between 1980 and 2021 with the house price-to-income ratio in Australia now at 10.3.50. The house price-to-rent ration in Australia is estimated at 114.4. This indicates how strong the property market with rent prices continue to increase.

lending has also continued its upward trajectory, with investment lending increasing by $2.1 billion or 0.3 per cent in April. This increased on March’s growth Investor rate when it rose 0.2 per cent ($1.6 billion). Even with increasing property values, investors are still purchasing a lot of the properties in the marketplace, which is placing additional pressure on those seeking their own homes and those seeking affordable rentals. With increased purchase prices, investment owners will want to see more rent being brought in even though interest rates are at historical lows.

Metropolitan Melbourne

Even withVictoria’s lockdown 4.0,this has failed to dampen the auctions market in Melbourne, according to CoreLogic. The property research group’s auctions data for the week ending 30 May revealed that there were 1,264 homes taken to auction in Melbourne compared to 261 auctions held in Melbourne this time last year. Despite actions being closed due to lockdown, auctions volumes remained strong in Melbourne, while CoreLogic recorded a preliminary clearance rate of 72.8 per cent in the capital city.

Source: Reiv, https://reiv.com.au/market-insights/victorian-insights)

Affordability for renters

Home values up almost 10 per cent over the year

The ABS’ Housing Occupancy and Costs publication indicates that the proportion of households which are renters has increased from 26% to 31%. In addition, the proportion of households renting from private landlords has increased from 18% to 26% over the same period.

The CoreLogic Daily Home Value Index has revealed that home values across the combined five capital cities have risen by 9.9 per cent year-to-date, and 9.0 per cent over the past 12 months.

On average, private renters spend more of their gross household income on housing costs than other tenure types. Specifically, the ABS reports private renters

spent 20% of their gross household income on housing costs, compared with 16% for those with a mortgage. The cost of renting privately has increased significantly. The ABS’Housing Occupancy and Costs publication indicates a 62% increase in average weekly housing costs (after inflation). This compares to a 42% increase for owners with a mortgage and 45% for public renters.

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MarkMogato

Source: Reiv, https://reiv.com.au/market-insights/victorian-insights)

This increase in rental costs is placing significant pressure on those families living in rental properties, especially, single mothers who have predominate care for the children. This ‘housing stress’ needs to be addressed by all sides of parliament. What is housing stress? A household is typically described as being in ‘housing stress’ if it is paying more than 30% of its income in housing costs. As higher income households can spend a higher proportion of their income on housing without experiencing problems, they are often excluded from

these types of analysis. Consequently, a ratio of 30/40 is often used as a benchmark—that is, if households that fall in the bottom 40% by income spend more than 30% of their income on housing, they are defined as being in housing stress. The Solution There needs to be a way to boost the supply of affordable rental housing through innovative housing models. If the supply of affordable housing is to be increased sufficiently to meet medium- to long-term demand, then this could be met

through (among other things) institutional investment in the affordable end of the residential market. The main barrier to such investment would appear to be that institutional investors have shown relatively little interest in affordable housing, largely due to perceptions of risk and affordable housing’s comparatively low returns. If investors’ reluctance is to be overcome, then it is likely that this will require government incentives and the introduction of some form of financial instrument (like the discontinued National Rental Affordability Scheme). JUNE 2021 | FIND GEELONG

FIND GEELONG | JUNE 2021

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find that a seller will accept an offer from someone who has a pre-approval in place ahead of someone who has not started their finance application yet.

a v o r p

What is involved in a Pre-approval? The process is the same as if you wanted the home loan unconditionally approved in that you will need to supply your income/employment details, everyday living expense details etc. The main difference is that you cannot yet provide details of the property for them to decide if it is a safe risk for them to use as security on your loan.

p A

e r P By Jodie Moore

When it comes to buying a new home and getting a home loan, it can be difficult to get the two to match up timewise. Many lenders are currently taking weeks, sometimes even 1-2 months to look at a home loan application which doesn’t help you when you sign a contract for a new house with only a 2-4 week finance clause.

By starting the home loan process before you even begin looking to buy a property, you can usually reduce the time for an approval with the added benefit of knowing before you start looking what amount lenders would be willing to lend to you. A pre-approval also shows sellers that you are serious about buying and know that you can afford the property. You often

Once you find a property, the lender will do a valuation on the property to ensure you have not paid too much for it, which increases the risk, to what you have offered. Many lenders will provide a pre-approval based on the figures you supply without doing any checks. This can come back to burn you though if they then find something they do not like in your application and subsequently decline your application after you have found the property. Ideally you want to find a lender who does a full check of your details and paperwork before offering a pre-approval so that the only detail missing is the property details. Your Mortgage Broker will be able to help you find the right lender or will advise what will be required once you have found your new home. If you are thinking about buying a new home within the next six months, call me and let’s make sure you have the best chance of getting the right loan for you.

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Home Elusive Home I've been joking with my friends that house hunting for a rental isn't too different from online dating. It's endless scrolling through promising options only to find out that the photos are very old or the size of the "property" is conveniently skewed. Laughing about it seems like a much better alternative to crying. Even so, there have been tears these past few weeks since finding out that my landlords are moving back in. Despite having braced myself for the announcement and telling myself that this time I wouldn't allow myself to be overcome with anxiety, the consuming squeeze instantly returned and my lungs felt as if they lost 80% capacity. You see, I've already had to find a new home three times in the 9 years of being a solo mum in Melbourne, and honestly, I don't know if I have it in me to face the harsh process yet again. This is what people don't seem to realise. I'm not "house hunting". I am in fact searching for a 'home' for me and my two teenage daughters and there is a big difference. An investment property can be referred to as a house. As can a building that is purely going to be functional. However, that's not what I'm looking for. I want a home for me and my kids. A home where we create memories for the next chapter and a place that we will look back on as part of our story. I want my next home to reflect who we are. Aesthetics are really important to us. So is light. So is smell. So is greenery and the lack of noise. Looking at rentals that fit my budget means that I need to overlook those really important aspects as to what makes a home for us. And sadly, even if I apply for one of these lacklustre properties, it's highly unlikely that I will be accepted as a tenant. The last two times that I had to move it took me over three months of searching

to find something, and even then, it was because of a connection to a friend with a house and not an agency that accepted us. Apparently not being partnered means that my application gets put at the bottom of the pile. In fact, last time when I was searching there was a landlord that preferred having his house empty for 6 weeks over Christmas instead of taking a risk with a single mum, even when I offered to pay two months of rent in advance. When other solo mothers hear that I'm trying to find a rental they all say that it's impossible unless I ask a man to sign the application form with me, pretending to be my partner. I'd be lying if I said that I hadn't considered it. But honestly I don't even know who I would ask for such an uncomfortable favour and I seriously doubt that there are many men out there who would feel confident stepping in with someone unless it was a really close friendship. It's almost impossible not to feel hopeless about the situation and I keep daydreaming about ways to circumvent the system. I have a few helpful friends sending me links to co-ops and shared housing programs but everything has a long waiting list and even the best case scenario means that I'll have months of being homeless until a place becomes available. This past weekend I met a 70 year old woman, who like me, has spent most of her adult life as a solo parent. I stepped into her sunny home surrounded by a gorgeous patio full of thriving plants and flowers. Her living room was painted yellow and she had art and posters on the walls that indicated a vibrant and rich life. I could totally picture myself living in a home like this and asked her if she owned it. It turned out that she did and went on to explain that she was very very lucky.

Apparently when she was a young mum trying to find a rental for herself and her daughter, the government set up a scheme where solo parents only had to save up for a very reasonable deposit and then their mortgage repayments were capped - no higher than 25% of income. I could hear myself sighing as she told me what this had meant for her at the time. No more dreaded moves, an opportunity to grow roots, find connection with her local community, and the opportunity to create long term friendships with her neighbours. I don't even allow myself to dream about belonging to a place that reflects who we are as a family. Sometimes I think back to when I was going through my divorce and how much I had hoped that there was a way for me and my four children to be able to stay in our home. If I had known then how difficult it would be to find rentals in Melbourne would I have tried harder to gain ownership of our house? In only 9 years the house I used to own has doubled in value for my ex-husband while I'm now attempting to find our fourth home to rent. It really isn't a fair system and something that our leaders should be prioritising to change. While we wait for that to happen I really hope that landlords realise how challenging it is for us solo parents to find homes for ourselves and our children. As well as understand what a huge impact they can have by choosing a solo parent as their future tenant even if it means not having the security of two incomes on the application. The long term impact on a solo parent and their children is a beautiful contribution to a kinder and safer society that all of us will ultimately benefit from. Written By Veronica Sherman www.happilymade.com.au JUNE 2021 | FIND GEELONG

FIND GEELONG | JUNE 2021

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Moving House Not What You Expect By Susan Pierotti

A family of mum, dad and two adult sisters was renting a house in Croydon which was sold in November 2020. They had six months to find somewhere. Sounds easy? Nope! They began their search immediately, contacting real estate agents in the Croydon, Ringwood, Warrnwood and Wonga Park areas. They found it difficult even to find a home that could fit 5 adults in, their 26-year-old son now moving back in with them to help pay the rent. Their research discovered homes that looked good on paper or on the internet but weren’t quite right in reality. One house looked lovely from the front, with views over the Dandenongs at the back. However, the bathrooms and bedrooms at the back overlooked other properties and had obligatory frosted windows that blocked views and light. Another had a kitchen and bathrooms that were shoddy. Others were smaller than the photos implied. The house they eventually were able to rent (finding it five and a half months after they started

looking) is in a court with not much room for the garbage truck to turn around. All the other dwellings customarily dump their rubbish bins on this family’s nature strip. That wasn’t in the real estate agent’s report!

One Quarter Of Vaccines Sitting Unused Paul Osborne (Australian Associated Press)

New figures show almost a quarter of all available doses of the COVID-19 vaccines are not being used. The federal health department on Monday released data comparing the availability of vaccine doses and the number of jabs delivered. Nationally, dose utilisation as of week 12 of the vaccine rollout was 77 per cent.

NSW (78

The Northern Territory had the worst lag of all the jurisdictions, with 47,652 doses available and 22,953 administered, giving it a utilisation rate of just 58 per cent.

Victoria (77 per cent)

Queensland was the worst performing state, with 317,810 doses available and 170,330 delivered – or a usage rate of 64 per cent.

ACT (82 per cent).

Across the other states and territories rates were: Tasmania (90 per cent)

WA (80 per cent) SA (79 per cent)

The health department found all doses available for the aged and disability care program were being used, while the commonwealth primary care program was at 75 per cent utilisation. So far, 3.1 million doses have been administered nationally. Health Minister

Greg Hunt said some adjustments may be needed in the states and territories. “We are encouraging all the states and territories – who we believe are doing an excellent job – to continue to use their vaccines,” he told reporters in Melbourne. “And where they feel that they have more capacity to open up channels, or where they feel they are using their capacity, to adjust their ordering.” Commodore Eric Young from the Vaccine Operations Centre said utilisation rates had dropped when the vaccine program was “recalibrated”. But the rates were now improving, he said.

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Australia Eyes Close To Record Crop Plant

Matt Coughlan (Australian Associated Press)

Australian farmers are forecast to get within one per cent of a record crop planting on the back of healthy rainfall and strong prices. Rabobank on Wednesday released its 2021/22 Winter Crop Outlook, which forecasts 22.93 million hectares will be planted across the nation. That’s a two per cent increase on last year when crops planted soared as drought eased in many regions. The forecast represents an area eight per cent above the five-year average. Rabobank grains and oilseeds analyst Dennis Voznesenski said substantial rainfall and good soil moisture profiles positioned Australia for another strong winter grain crop. “With the Bureau of Meteorology forecasting a 60 to 75 per cent chance of the east coast and South Australia exceeding median rainfall for the next three months, this should set crops up well and have a positive impact on yields in those regions,” he said.

The report co-author said most regions were enjoying excellent rainfall, particularly in northern NSW and WA, but noted parts of SA and western Victoria had the same conditions.

Mr Voznesenski said the mouse plague continued to be a serious concern, with lost grain and hay reserves, downgraded quality of stock and increased costs for farmers.

Barley planting is expected to fall six per cent with China maintaining tariffs effectively blocking exports.

“The issue is particularly bad in, though not restricted to, central and western NSW,” Mr Voznesenski said.

That will drive canola up by 14 per cent, while wheat will rise three per cent to 13.3 million hectares.

“With winter here, we can expect colder temperatures to slow mouse populations. However, crop replanting and a reemergence of populations in spring remain real risks in the outlook.”

“With canola prices near record highs, and China’s tariff on Australian barley top of mind, farmers have heeded the call and switched in favour of canola,” Mr Voznesenski said. “Come harvest time, however, it may mean that there will be increased harvest pressure on local canola prices.” The report says NSW is expected to plant another six million hectares just slightly below last year.

Western Australia, Victoria and Queensland are all forecast to see yearon-year increases in winter crop area planted. Queensland is forecast to rise as much as 15 per cent to 1.3 million hectares. WA plantings are estimated to be up two per cent to 8.49 million hectares while Victoria is set to rise two per cent to 3.5 million hectares.

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FIND GEELONG | JUNE 2021

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Victorian Labor Government – New Taxes And Increased Stamp Duty By Warren Strybosch

Days after the Victorian government announced that it will increase stamp duty and land tax across the state, the Shadow Treasurer of Labor, Jim Chalmers, came out stating that Federal Labor will aim to abolish stamp duty and land tax. Either the Labor leaders are not talking to each other or the Victorian Labor leader, Dan, has decided to try and get a few more bucks out of the Victorian people before this opportunity runs dry. Maybe the Labor Federal leaders just don’t like how Dan is running the show? After all, they did overturn the China Road project that Dan wanted to implement in Victoria even though it was against Australia’s public security interests. This is not the first time Dan has opposed his counterparts in Canberra and opted for Victorians to pay more taxes. Does anyone remember that Victorians could have paid less in tolls if Dan had accepted the federal governments hand out but he elected not to? So, what are these new taxes that Dan is wanting to introduce to Victorians at a time where families are doing it tough during COVID? 1. Payroll tax changes All businesses with national payroll taxes greater than $10 million will have to start paying a payroll tax surcharge of 0.5% (raising the rate from 4.85% to 5.35%), whilst national payrolls above $100 million will have to pay a surcharge of 1%. The Business Council of Australia has come out and stated that this is a tax on jobs and once again business owners will have to flip the bill for Labor’s spending habits. 2. Transfer duty rate changes With a lot of properties now worth over $2 million dollars, Labor sees this as a good place to make some additional money. From 1st July, 2021, all property transactions over $2 million will be taxed a higher transfer rate of 6.5% of the dutiable value in excess of $2 million. This sends a strong message to all that Labor will continue to tax those who own property. Yep, realise the Australian dream of owning a property but the Labor government will take their fair share of your dream with them.

3. Windfall gain tax The newest tax on the block, is the ‘windfall gain tax’. This will hit developers and land holders who will receive windfall gains when their properties are rezoned. In the past, if a property was rezoned, there was not tax on the potential gain but now there will be. Any gain over $500,000 will receive a 50 per cent tax. Where in the world are property developers, including Mum & Dad developers, going to come up with $250,000 plus to pay in tax when they may not have sold the property? This will simply result in property prices increasing to cover this tax which is supposedly against Labor’s policy of trying to make housing more affordable. 4. Land tax Land taxes are set to rise by 0.25% for taxable landholdings worth more than $1.8m and 0.3% for landholdings over $3m. Let’s face it, with increases in property prices, anyone owning an investment property is likely to be faced with additional land tax.

This increased tax is on top of the Foreign Land Tax Surcharge and Absentee Owner Surcharge that certain landholders are required to pay. Whilst Victorians are still struggling with COVID and the continued lockdowns, with job losses and businesses struggling to keep their staff on, the Victorian Labor government believes it is a good time to introduce higher taxes and more taxes to those who own a business and/or own land. Labor use to represent the battlers but since those battlers have made a go of it for themselves, with hard work and grim determination, Labor now thinks it is appropriate to expect those same battlers to pay higher taxes for simply succeeding in life. What does Labor stand for anymore? Where is Dan anyway? Is he currently in Victoria doing it tough like the rest of us?

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Supporting Retirees: A Temporary Reduction in Superannuation Minimum Drawdown Rates

By Mark Kruger

On the 29th of May, the Morrison Government announced an extension of the temporary reduction in superannuation minimum drawdown rates for a further year to 30 June 2022. As part of the response to the coronavirus pandemic, the Government responded immediately and reduced the superannuation minimum drawdown rates by 50 per cent for the 2019-20 and 2020-21 income years, ending on 30 June 2021.

The announcement extends that reduction to the 2021-22 income year and continues to make life easier for our retirees by giving them more flexibility and choice in their retirement. For many retirees, the significant losses in financial markets as a result of the COVID-19 crisis are still having a negative effect on the account balance of their superannuation pension.

This extension builds on the additional flexibility announced in the 2021-22 Budget. The Morrison Government will continue to support retirees as part of our plan to secure Australia’s economic recovery from COVID-19.

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Home Building To Give Injection To Growth Colin Brinsden, AAP Economics and Business Correspondent

(Australian Associated Press)

Construction work rebounded in the first three months of the year, buoyed by residential building activity striking a sixyear high. Federal and state government initiatives, alongside ultra-low interest rates lifted residential building by 5.1 per cent in the March quarter to $18.96 billion, new figures released on Wednesday show. BIS Oxford Economics senior economist Nicholas Fearnley expects the federal government’s now-concluded HomeBuilder program will continue to provide a major boost to detached house construction and renovation work over the coming year.

“With both labour and material capacity constraints in play, project delays and cost overruns can be expected,” he said. “The considerable backlog of work that has developed should sustain an elevated level of activity for home builders deep into 2022.” Housing Industry Association economist Angela Lillicrap said while HomeBuilder successfully drove this surge in activity, other factors are also at play.

“Record low interest rates and a change in preferences towards detached housing are also important drivers,” Ms Lillicrap said.

The Australian Bureau of Statistics said total construction work in the March quarter grew at a slightly faster pace than economists had expected, rising 2.4 per cent to $51.97 billion, although was still down 1.1 per cent on the year. Non-residential work fell 1.6 per cent to $11.23 billion and now stands 10.4 per cent down over the year, while engineering activity rose 2.2 per cent to $21.78 billion. National Australia Bank economist Tapas Strickland said the private sector parts of the report will feed into the March quarter economic growth result contained in the June 2 national accounts. NAB expects construction will add 0.20.3 percentage points to growth, which at this stage will be one per cent for the quarter. This will follow two consecutive quarters of growth of more than three per cent – an event that has not occurred in at least 60 years – as the economy enjoyed a rapid recovery from recession. Economists will fine-tune their March quarter growth forecasts over the coming week with further quarterly reports due. Data on capital expenditure and forward business investment plans are released on Thursday.

International trade, business profits and inventories, and government spending for the March quarter are issued on Tuesday. Looking further forward, the latest Westpac-Melbourne Institute leading index for April suggests the strong economic recovery looks set to extend over 2021 and into 2022. The index, which indicates the likely pace of economic activity growth three to nine months into the future, continues to point to above-trend annual growth at around 2.8 per cent.

“The signal is consistent with Westpac’s growth forecasts for the Australian economy,” Westpac senior economist Matthew Hassan said. The bank expects a very strong growth rate of 4.5 per cent in 2021 and then moderating marginally to a four per cent pace in the first half of 2022 even as the impact from the end of last year’s COVID-19 lockdowns unwinds.

“With initial reopening rebounds now largely complete, other drivers are set to take over with upbeat, cashedup households and booming housing markets setting what will still be a strong pace for growth,” Mr Hassan said.

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2021/22 Federal Budget Technical Bulletin

Highlights from this year’s Federal Budget include the relaxing of superannuation contribution rules, an extension of tax savings for individuals and small business and a $17.7 billion boost to aged care spending. Important note: The measures outlined below are proposals only until legislated and are subject to change.

Summary Superannuation

Tax

Social Security

Aged Care

•

Low and middle income tax offset retained

•

Pension loan scheme to allow lump sum payments

•

$17.7 billion additional spending over 4 years

•

Extension of 100% asset write-off for businesses

•

More child care support for familes with higher incomes and multiple children

80,000 new homecare packages

•

No new fees announced for aged care residents

•

Work test removed for those 67-74 making non-concessional and salary sacrifice contributions Expanding bring forward rules to 67-74 year olds

•

Downsizer contribution age reduced to 60

•

Removal of minimum Super Guarantee threshold

•

More super available for first home buyers

•

Chance to exit some legacy retirement products

•

Additonal year for companies to carry back losses to apply against past profits

•

Tax residency test simplified

•

Freeze on Medicare surcharge and private health rebate thresholds

Superannuation The Government has announced a range of measures this year relating to superannuation. The commencement date for these changes is 1 July of the year after the proposals have become law with the likely start date to be 1 July 2022.

for the work test exemption) before the contribution can be made. The work test requirement will no longer apply for this age group when making: •

Salary sacrifice contributions

Removal of the work test for some contributions

•

Non-concessional (after tax) contributions

Currently, if you wish to make a personal contribution to super from age 67 to 74, you must meet a work test (or qualify

The requirement to satisfy a work test will continue to apply to those 67-74 who make personal contributions and claim a tax deduction.

Important Information

2021/22 Federal Budget

information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. Any case studies, graphs or examples are for illustrative purposes only and are based on specific assumptions and calculations. Individual circumstances may vary and this will alter the outcome. The case studies do not represent any forecast or guarantee on return. 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. Matrix Planning Solutions Limited ABN 45 087 470 200, AFSL & ACL No. 238256 and its related entities distributing this document and each of their respective directors, officers and agents believe that the information contained in this document is correct and that any estimates, opinions, conclusions or recommendations contained in this document are reasonably held or made as at the time of completion. However no warranty is made as to the accuracy or reliability of any estimates, opinions, conclusions, recommendations (which may change without notice) or other information contained in this document and, to the maximum extent permitted by law, Matrix disclaims all liability and responsibility from any direct or indirect loss or damage which may be suffered by any recipients through relying on anything contained within or omitted from this document.

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Expanding non-concessional contribution bring forward rule

Super announcements NOT included in the budget

The ability to access the bring forward arrangements for nonconcessional contributions where up to $330,000(2021-22) can be contributed will extend to those 67-74 years of age (currently available to those under 65).

The two standout measures that were not addressed in the budget and will therefore proceed as legislated include: •

The compulsory super guarantee contribution rate will increase from 9.5% to 10% from 1 July 2021.

$450 per month super guarantee threshold abolished

•

The temporary 50% reduction in minimum pension payments will cease from 1 July 2021 with minimum payments returning to standard rates as outlined below.

Employers will be required to pay super guarantee contributions to all employees over age 18 irrespective of how much they earn in the month.

Age

Standard minimum rate (%)

Under 65

65-74

CASE STUDY

75-79

Freya has two casual jobs earning about $400 per month from each. Currently, she receives no super support from her employers as she earns less than $450 per month per employer however this measure will require both employers to start contributing to super on Freya’s behalf – that’s nearly $1,000 per year in super.

80-84

Downsizer contributions available from age 60 The ability to make a downsizer contribution to super when selling your home will extend to those 60 years and over (currently must be 65+) allowing many more to take advantage of an extra $300,000 per person to be invested in super. Combining this measure with the non-concessional bring forward rules outlined above, those aged 60 to 74 and selling a home will have the opportunity to contribute up to $630,000 per person (or $1.26 million as a couple) into super without exceeding any caps.

First home super saver scheme boost The amount of voluntary super contributions that can be withdrawn to help purchase your first home will increase from $30,000 to $50,000. The annual contribution limit for this scheme will remain at $15,000.

Two year window to exit some legacy retirement products Those looking to commute their restrictive legacy retirement products that were purchased before 20 September 2007 (often referred to as ‘complying’ products) will have the opportunity to roll back these funds to super, commence a new income stream or withdraw the funds from super altogether. The types of products impacted under this measure include term allocated pensions (TAPs), marketlinked, life expectancy and lifetime income streams including those provided by self-managed super funds (SMSFs).

85-89

90-94

95 or over

Tax Low and middle income tax offset (LMITO) to stay for another year The LMITO, which provides a tax offset of up to $1,080, was due to cease on 30 June 2021. This tax benefit will now be extended until 30 June 2022. The offset is automatically calculated when you lodge your income tax return.

Tax residency rules simplified Currently, four (often conflicting) tests are used to determine if you are an Australian tax resident for income tax purposes. The Government has proposed to simplify this system by applying one primary test - an Australian tax resident is someone who has physically been in Australia for at least 183 days in the financial year. Additional secondary tests may be used for those who do not meet the primary test.

Small business tax concessions extended 12 months Businesses will continue to benefit from two significant concessions announced last year as follows: •

Eligible businesses with annual turnover less than $5 billion will be able to deduct the full cost of depreciable assets first used or installed before 30 June 2023.

•

Eligible companies can carry back losses for another year being the 2022-23 year to offset against profits in 201819 or later years.

Important Information 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.

2 2021/22 Budget Any case studies,Federal graphs or examples are for illustrative purposes only and are based on specific assumptions and calculations. Individual circumstances may vary and this will alter the outcome. The case studies do not represent any forecast or guarantee on return. 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. Matrix Planning Solutions Limited ABN 45 087 470 200, AFSL & ACL No. 238256 and its related entities distributing this document and each of their respective directors, officers and agents believe that the information contained in this document is correct and that any estimates, opinions, conclusions or recommendations contained in this document are reasonably held or made as at the time of completion. However no warranty is made as to the accuracy or reliability of any estimates, opinions, conclusions, recommendations (which may change without notice) or other information contained in this document and, to the maximum extent permitted by law, Matrix disclaims all liability and responsibility from any direct or indirect loss or damage which may be suffered by any recipients through relying on anything contained within or omitted from this document.

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Freeze on Medicare surcharge and private health insurance thresholds The single and family thresholds used to determine if the Medicare Levy surcharge is payable and the private health insurance rebate available, will remain at current levels for 2021-22.

Social security and aged care Pension loan scheme to offer lump sums The pension loan scheme is a reverse mortgage style scheme provided by the Government to allow you to receive fortnightly payments using the equity in your home. The regular instalments are limited to 150% of the maximum rate of Age Pension. Important From 1Information July 2022,

From 1in Julyaged 2022, it care has been proposed to extend this scheme Boost funding

to allow up to 50% of the maximum annual rate of pension to A range of aged care measures were announced with be received as a lump sum (limited to two lump sum payments the Government projected to spend $17.7 billion over the in four 12 months). maximum sum payments next years. AThe further 80,000lump homecare packagesbased will on current pensiontorates be: the current waiting list for become available helpwill reduce • packages $12,385 for singles care (estimated to be approximately 96,000). The • $18,670 combined for couples Government will pay an additional $10 per day Basic Daily Fee Supplement for every resident in residential aged care, paid directly to the care care provider. No new resident fees were Boost inaged aged funding announced in this budget. A range of aged care measures were announced with the Government projected to spend $17.7 billion over the next four years. A further 80,000 homecare packages will become available to help reduce the current waiting list for care packages (estimated to be approximately 96,000). The Government will pay an additional $10 per day Basic Daily Fee Supplement for every resident in residential aged care, paid directly to the aged care provider. No new resident fees were announced in this budget.

it has been proposed to extend this scheme

This information is of a general nature only and has been prepared without talking into account your particular financial needs, circumstances and objectives. While every effort has been made allow up to 50% the maximum annual pension toto ensure the accuracy of the of information, it is not guaranteed. Yourate shouldof obtain professional advice before acting on the information contained in this publication.

tocase be received asoraexamples lump are sum (limitedpurposes to two lump sum Any studies, graphs for illustrative only and are based on specific assumptions and calculations. Individual circumstances may vary and this will after the outcome. The case studies do not represent any forecast or guarantee on return. Superannuation, tax and Centrelink and other relevant information is based on our interpretation and continuation of law payments in 12 months). maximum lumpin the sum payments current as at the date of this document.The The information contained document does not constitute legal or tax advice. You should seek expect advice in this regard. based on current pension be: & ACL No. 238256 and its related entities distributing this document and each of their respective directors, officers and agents believe Matrix Planning solutions Limited ABN 45rates 087 470will 200, AFSL that the information contained in thos document is correct and that any estimates, opinions, conclusions or recommendations contained in this document are reasonably held or made as at the time no warranty is made as to accuracy or reliability of any estimates, opinions, conclusions, recommendations (which may change without notice) or other information • of completion. $12,385However for singles contained in this documents and, to the maximum extent permitted by law, Matrix disclaims all liability and responsibility from any direct or indirect loss or damage which may be suffered by any recipients through relying on anything contained within or omitted from this document. •

$18,670 combined for couples

Special Tax Return Offer 1300 88 38 30

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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. Important Information 4. We will then require you to upload your documents to our secure portal. 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 5. theOnce we received all guaranteed. your documentation, we will complete the return. to ensure accuracy of have the information, it is not You should obtain professional advice before acting on the information contained in this publication. 6. studies, We will email you the completed return with invoices. Once you sign the returnIndividual and pay the invoice we and willthis lodge the Any case graphs or examples are for illustrative purposes only and our are based on specific assumptions and calculations. circumstances may vary will alter thereturn outcome. The case studies do not represent any forecast or guarantee on return. Superannuation, tax and Centrelink and other relevant information is based on our interpretation and on your behalf. 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. Important: This offer is only available to Find Accountant Pty Ltd. Liability limited by a scheme Professional Standards Legislation Matrix Planning Solutions Limited ABN 45 087 470new 200, clients AFSL & ACL No. 238256 and its related entities distributing this document and approved each of their under respective directors, officers and agents believe that the information contained in this document is correct and that any estimates, opinions, conclusions or recommendations contained in this document are reasonably held or made as at the time of completion. However no warranty is made as to the accuracy or reliability of any estimates, opinions, conclusions, recommendations (which may change without notice) or other information contained in this document and, to the maximum extent permitted by law, Matrix disclaims all liability and responsibility from any direct or indirect loss or damage which may be suffered by any recipients through relying on anything contained within or omitted from this document.

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Home Building Sets Solid Platform For GDP

Colin Brinsden, AAP Economics and Business Correspondent

(Australian Associated Press)

Construction work rebounded in the first three months of the year, buoyed by strong residential building activity on the back of government initiatives and ultralow interest rates. Total construction work in the March quarter grew at a slightly faster pace than economists had expected, rising 2.4 per cent to $51.97 billion, although was still down 1.1 per cent on the year. Total building work rose 2.5 per cent to $30.19 billion, led by a 5.1 per cent jump in residential building to $18.96 billion. BIS Oxford Economics senior economist Nicholas Fearnley expects the federal government’s now-concluded HomeBuilder program will continue to provide a major boost to detached house construction and renovation work over the coming year. “With both labour and material capacity constraints in play, project delays and cost overruns can be expected,” he said. “The considerable backlog of work that has developed should sustain an elevated level of activity for home builders deep into 2022.”

However, the Australian Bureau of Statistics said non-residential work fell 1.6 per cent to $11.23 billion and now stands 10.4 per cent down over the year. Engineering rose 2.2 per cent to $21.78 billion. The data feeds into the March quarter national accounts that are due on June 2, which will contain Australia’s latest economic growth forecasts. Economists will fine-tune their growth forecasts over the coming week with further quarterly reports due. Data on capital expenditure and forward business investment plans are released on Thursday. International trade, business profits and inventories, and government spending for the March quarter are issued on Tuesday. What is also known so far for the March quarter, retail spending will be a modest drag on growth, after declining 0.5 per cent, following a relatively large 2.4 per cent increase in the December quarter. In the second half of last year, and for the first time in at least 60 years, the economy grew by more than three per cent in two consecutive quarters after rebounding from recession.

Looking further forward, the latest Westpac-Melbourne Institute leading index for April suggests this strong economic growth recovery looks set to extend over 2021 and into 2022. The index, which indicates the likely pace of economic activity growth three to nine months into the future, continues to point to above-trend annual growth at around 2.8 per cent. “The signal is consistent with Westpac’s growth forecasts for the Australian economy,” Westpac senior economist Matthew Hassan said. The bank expects a very strong growth rate of 4.5 per cent in 2021 and then moderating marginally to a four per cent pace in the first half of 2022 even as the impact from the end of last year’s COVID-19 lockdowns unwinds. “With initial reopening rebounds now largely complete, other drivers are set to take over with upbeat, cashedup households and booming housing markets setting what will still be a strong pace for growth,” Mr Hassan said.

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Federal Budget 2021–22: Impacts To Businesses And Their Owners

ACCOUNTANT By Warren Strybosch

On 11 May 2021, Treasurer Josh Frydenberg handed down the 2021–22 Federal Budget. Here is a list of some of the major tax announcements that may impact private businesses and their owners: Extension of Temporary Full Expensing and Loss Carry Back The Government will extend the temporary full expensing and the loss carry-back measures into 2023. This measure entitles businesses with an aggregated turnover of under $5 billion to an immediate deduction for ‘eligible capital assets’ acquired from 7.30pm AEDT on 6 October 2020 and needs to be installed or used before 30 June 2022. If legislated, the 30 June deadline will be extended to 30 June 2023. The loss carry-back measure amended the tax losses regime to temporarily allow

eligible corporate entities (with a turnover capped at $5 billion) to use losses that are incurred in the income years 2019–20, 2020–21 or 2020–22 to be retrospectively applied against profits made in the 2018– 19 year or later years. If the proposed changes are legislated, the measure will also apply to losses incurred in the 2022– 23 income years. Minor changes to Individuals Claiming Self-Education Expenses For those paying self-education expenses, the first $250 paid is not deductible. This has caused confusion for many people who have submitted their own returns. The government will remove the $250 non-deductible amount so that the full amount of self-education expenses can be claimable. Not-for-profits — Greater transparency of income tax exemptions The ATO will receive funding from the Government to build an online system to enhance transparency and the reporting obligations for not-for-profits entities (NFP) claiming income tax exemptions.

Currently, non-charitable NFPs are able to self-assess their eligibility for income tax exemptions and do not need to submit tax returns each year. From 1 July 2023, the ATO will require income tax exempt NFPs to submit online annual self-review forms to ensure that only eligible NFPs are accessing income tax exemptions.

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

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Avoiding Conflict Breeds Mediocrity How To Breed Excellence Instead!

RESILIENCE COACH By Sally Higoe

Sick of pesky arguments at your weekly meetings? Hearing a little too much righteousness amongst the team? Ready to stand up to be a courageous leader? If you answered YES to any of these questions, it’s time to re-think how you view team disagreements... ...Because business growth, creative ideas, adjustment to change and even respect, can all stem from healthy conflict... ...And these attributes are definitely ones we want to see in our stand-out business, right?! But what IS ‘healthy conflict’ Sally? Great question! Master of team management and renowned author of The 5 Dysfunctions of a Team, Patric Lencioni, talks about a CONFLICT CONTINUUM. Imagine a linear scale... he explains that on one end of this scale is artificial harmony (no conflict, pretending to get along) and the other is harsh negativity (mean spirited, non-productive conversation). Most Companies harmony.

live

artificial

But the best place to live is in the middle... to work towards achieving that solid ground in the middle, known as constructive conflict (and this conflict is healthy!). Lencioni describes healthy conflict as “passionate, unfiltered debate around issues of importance to the team” The problem, however, is that most businesses will often avoid settling in this place of constructive conflict because it sits on the verge of destructive conflict (also known as ‘hell’ in meetings!). So, instead of approaching this space with the right agenda and expectations, (which would set you up for healthy conflict) many leaders simply avoid going there at all. Let’s take a look at why conflict WILL (or should!) occur in a STAND-OUT team...

Interpretation. Despite experiencing the same event, different people will have a varied interpretation of that particular information being presented. But why does this happen? Because we digest information through different filters. These filters are influenced by our personalities, cultures and emotions... every single person has their own map, their own view, based on their life experiences... just like a fingerprint, no two are the same. Cool to know hey? And great to have strong awareness around! In a high-performing team, you will experience this difference of opinion in the majority of your meetings. Why? Simply because, in order to reach high-functioning, high-performing team success, you’re driven by having the necessary scope of behavioural styles within your team, to cover the goals and tasks of a project – you need all different types of people on board! Which typically means, you’ll have a blend of all styles in your team- you’ll have a cross-section of different behaviours that will each bring a focused skill set to their departments/areas. Which will often mean conflict. And a great team will live right on that edge, they’ll teeter between constructive and destructive conflict... because this is

where the most access to innovation, creativity and stand-out decisions lay. Occasionally, even the best teams will step in to destructive territory but because they’ve built the trust, teetering on the edge, they’ll learn from this tip-over to the ‘dark-side’ and they will recover with greater courage to live in the space of ‘healthy conflict’, strength in their ability of being able to do just that. When you can sustain ‘healthy conflict’, you’ve inspired passion, determination, care and often pride. This is a recipe for innovation, creation, problem-solving, resilience building and potential for absolute stand-out success! Embrace and encourage this with acceptance and you will see workplace vibe -all round- is lifted. If you’re looking for a more ‘healthy conflict’ approach to your meetings, one that will inspire innovative decision making, creativity, unity and improve future connections, send me an email and mention this article. I’ll send you my “Do’s & Dont’s Checklist for High Quality Meetings” (Drawing from brucemctague.com)

Sally Higoe Team/Leadership Coach Team Resilience Method 0490388017 sally@team-resilience.com.au JUNE 2021 | FIND GEELONG

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Employers Responsibilities When A Lockdown Is Enforced? LAWYERS By John Van Beveren

The terms “snap-lockdown” and “circuit breaker” have become familiar in these times of COV-ID. For many businesses these terms mean loss of income, closure of business premises and work from home. But closing the doors and working from home does not permit employers to abdicate their responsibilities to employees. In fact a whole new range of responsibilities are created. Working from home? The Government has declared that during lock down if employees can work from home then they must. Telling employees that they must work from home is not the end of an employer’s responsibility. Employers and employees should consider their specific circumstances before coming to an agreement about working from home to find what is most suitable, as it can be dependant on a range of factors including what their home arrangements is like and organising the necessary equipment to be able to complete the work they perform. Employers should check if there are any rules about working from home before introducing any changes by looking at the applicable awards, enterprise agreements, employment contracts and workplace policies. Remember that record-keeping obligations continue to apply when employees are working from home. If records are incomplete, the employer is at risk of penalties being enforced by the Fair Work Inspector, such as fines, and you may have to go to court to prove you did not underpay an employee. Stand downsEmployers may be able to stand employees down during a workplace closure impacted by sudden lockdowns. For example, they may be able to stand down employees when the business has closed because of an enforceable government direction or there is a stoppage of work due to lack of supply that is outside the employer’s control.

Employers should consider all other alternatives before standing down a worker, such as arranging workers to work from home, which is a very common arrangement now after businesses, big or small, adjust to the restrictions to help stay safe. Alternatively, employers and employees may need to discuss temporarily changing the duties or hours of work to cater for any restrictions or accessing paid or unpaid leave. There have been some temporary changes to awards during coronavirus to allow for more workplace flexibility, so always check the applicable awards, enterprise agreements, employment contracts and workplace policies before any changes take place. The Former JobKeeper schemeAlso, it is important to remember that from 29 March 2021, the JobKeeper scheme no longer applies. This means that employees cannot rely on the JobKeeper payments, and other flexibilities that was initially allowed, such as ending employment under the JobKeeper scheme, is no longer allowed. That also means the normal rights and obligations under the Fair Work Act is back. So, if a sudden lockdown happens. workplaces cannot rely on JobKeeper enabling stand down provisions under the Fair Work Act. Instead, they may be able to use the usual stand down provisions as set out in the Fair Work Act.

RESOURCES •

h t t p s : / / w w w. h e a l t h . g o v. a u / n e w s / health- aler ts/novel- coronavir us2019-ncov-health- aler t/ongoingsupport-during-coronavirus-covid-19/ looking-after-your-mental-health-duringcoronavirus-covid-19-restrictions

•

https://coronavirus.fair work.gov.au/ coronavirus-and-australian-workplacel a w s / p a y - l e a ve - a n d - s t a n d - d ow n s / stand-downs#before -standing-downemployees-checklist

•

https://coronavirus.fair work.gov.au/ coronavirus-and-australian-workplacelaws/changes-to-workplace-laws-duringcoronavirus/jobkeeper-wage-subsidyscheme

•

https://coronavirus.fair work.gov.au/ coronavirus-and-australian-workplacelaws/changes-to-workplace-laws-duringcoronavirus

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

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Yet there are other reasons. 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.

The Best Times to Paint Your House

(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 JUNE 2021 | FIND GEELONG

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Property Maintenance – Why is it important? PROPERTY SERVICES

•

Well maintained seals will reduce decay and prevent air gaps which can cause inefficiency in winter by letting warm air out and cold air in

•

Cleaned tracks can improve sliders and prevent damage

By Daniel Tomlinson

Many people see property maintenance as a chore and we all hate those! The reality in most cases is that the longer this maintenance is put to the bottom of the list the more of a chore, inconvenience or risk it becomes. This article will call out some of the common maintenance challenges and advantages of dealing with them. There are many benefits to maintenance weather you are a homeowner or renter. Homeowners can ensure their property retains as much value as possible and renters can protect their bond by handing a property back in good condition. Window Cleaning

• Reduce the likelihood of water damage to your property due to overflowing gutters •

Solar Panel Cleaning

Garden Maintenance

•

If you went to the expense of installing solar then it makes sense to maximise the benefit from it. A clean solar panel is an efficient solar panel

•

Consider your environment to determine frequency of cleaning required. High levels of dust or leaf fall will require more frequent cleans to achieve maximum benefit

•

Garden maintenance is probably not seen to be as important as other maintenance tasks. However, good maintenance will elevate long term headaches

•

Overgrown gardens/lawns are a great place for snakes to hide. Whilst it doesn’t prevent snakes it will certainly reduce the risks if you have children or pets

•

Little and often weeding is key. Leaving weeds and grasses to grow in garden beds is the worst. Try weeding this one!

Gutter/Drain Cleaning

•

Removing the dirt can make windows more efficient by ensuring more sun can enter your property contributing to a higher ambient temperature (free energy)

Roots growing in drains and gutter run offs at worst could affect your house foundations and cause major damage

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• The thought of having pests • Keeping up the appearance of running riot in your home is not the property inside and out and pleasant. Give yourself piece of ensuring everything is running mind smoothly • Preventing certain spiders • protects you and your family • • Rodents can chew through critical wires or ducting to damage

General repairs to paint/render General maintenance on AVAC (heating, ventilation and airconditioning

Pest Control

Daniel Tomlinson Property Services Pristine Outdoor Property Services 0468 485 122

danatpops@gmail.com www.pristineoutdoorpropertyservices.com.au

Aussie auto market ‘at turning point’ “Governments have both a duty and obligation to understand these industry changes, including the impacts that electric vehicles will have on Australia’s automotive industry and the broader community.”

Tim Dornin

(Australian Associated Press)

Australia’s automotive industry is at a “revolutionary turning point” amid the transition to zero-emission vehicles, a report has found.

Providing a snapshot of the automotive sector, the MTA report also found:

The developing shift towards electric cars will also bring structural change and pose significant challenges to the sector, the Motor Trades Association says. “All automotive businesses will need to obtain as much information as possible to make an informed decision on the future opportunities and risks of participating in the ensuing electric vehicle ecosystem,” the MTA said in its Directions in Australia’s Automotive Industry report. “Whilst Australia’s electric vehicle uptake is low, ongoing technological advancements and economies of scale may bring about a quicker than expected price advantage for electric vehicles. “This may sway consumers to purchase electric vehicles sooner than expected. “Such a scenario could place automotive businesses in an exposed position.” In its first major review of the industry in four years, the MTA said that beyond the disruptions caused by the COVID-19

* There were 72,521 businesses operating across the industry at the end of the last financial year with that number expected to rise to 74,981 by 2022/23. pandemic, structural change was already emerging in the retail and aftermarket sectors. The increased focus on online sales could significantly alter the established dealership model while the shift to electric cars would require significant investment from dealers and automotive workshops in both equipment and skills training. The MTA said evidence already suggested there was a shortage of skilled technicians in small to medium businesses as more left to set up their own operations as sole traders. “Addressing skill shortages and declining business profitability are key challenges that will test the resolve of the automotive industry over the next few years,” it said.

* Small and family-owned enterprises dominate the sector, comprising 96.6 per cent of all businesses. * There were 19.8 million vehicles on Australia’s road last financial year, an increase of about 300,000 compared to the previous year. * The vehicle fleet is getting older with the average age of cars now 10.4 years. * An estimated 762,777 vehicles were scrapped between 2019 and 2020, being either recycled, exported, or sent to landfill. * There were 916,968 new vehicles sold in 2020, a fall of 13.7 per cent over 2019. * The market for used vehicles in 2020 was almost four times as high at 3.7 million sales. JUNE 2021 | FIND GEELONG

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Contents

You will also need to ensure you have receipts, pictures etc of the item listed. Adjust your excess Most insurers allow you to adjust your excess. Weigh up the difference between having a high premium and low excess, versus the opposite. You may be able to save on your premium by increasing your excess. If you’re renting

Insurance GENERAL INSURANCE By Nicole Nelson

Contents insurance covers your household items and personal belongings if they’re damaged, lost or stolen. This can include your furniture, clothes, computer, fridge, television, tools and jewellery. Carpets, Curtains and blinds also make a part of your contents. If you own your home, you can bundle your contents insurance with your home insurance. This is usually cheaper than having separate policies. When choosing contents insurance, think about the value of your belongings. Ask yourself what you could afford to replace or lose if something went wrong. We also ask, if you were to shake your house upside down and everything fell out! What would it cost to replace? You can start by listing all your belongings and how much each item would cost to replace (at today’s prices). Include as many details as possible. For example, serial numbers, receipts, warranties, photos, condition and the date of purchase. (See below for optional cover) Most contents insurance offers the replacement value of your belongings. It covers the full cost of replacing your belongings with new ones, which often cost more. Replacement value gives you the best cover, but it’s more expensive.

When you claim, insurers may repair or replace the damaged items, or pay you the amount it would cost to repair or replace them. What is an exclusions? Contents insurance covers loss and damage caused by defined or insured events. These can include fire, storm, theft and vandalism. It’s worth checking what isn’t included. For example, damage caused by floods, intentional or criminal damage, or theft if you leave windows or doors unlocked. Also check what items aren’t covered and decide if you want to add something. For example, portable items like your handbag, glasses, camera, bicycle, mobile phone, tablet or laptop. Or valuable items like jewellery and special collections, such as artwork, stamps, rare books or memorabilia.

If you rent your home, renters insurance could be a good option. This type of contents insurance is usually cheaper. It may cover accidental damage to the house, and legal costs if someone injures themselves on the property. However, it may have more exclusions and limits than regular contents insurance. Renewing your contents insurance When it’s time to renew your policy, update your policy to reflect any changes. For example, add cover for special items or add new items. When using a general insurance broker at renewal time, they will check you’re getting the best deal.

This article provides general information 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 reliable, we do not guarantee that it is accurate or complete. You should not rely upon it and should seek qualified advice before making any investment decision. Except where liability under any statute cannot be excluded, we do not accept any liability (whether under contract, tort or otherwise) for any resulting loss or damage of the reader or any other person.

Check limits for certain items Most policies have maximum amounts on how much you claim for certain items. So you may want to insure some items as a specified valuables or also known as optional cover. This will make the premium more expense. For example, you have a diamond ring with a replacement value of $25,000. You note the contents cover has a limit of $1,000 per item. Hence, you decide to take out optional cover for valuable items by specifying the diamond ring. The ring is shown in your Policy Schedule as being insured for $25,000.

Nicole Nelson GENERAL INSURANCE Belmont Insurance Centre 419387012 www.belmontins.com

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Budgeting & Cash Flow Forecasting

BOOKKEEPER By Mary-Clare Switz

Last month I discussed Cash Flow and some ways to improve Cash Flow in the short term. When you start looking at your Cash Flow you start considering when money is due to flow in and flow out. Mapping your sales and expenses overtime is called Budgeting. A Budget is an opportunity to forward project your business’s income and expenses into the future and help flag when there are lean periods and excess periods. It also is a chance to really look at your expenses ... are they blowing out? ... can the business decrease expenses? ... do your really need that shiny bright new toy? There are several basic steps to creating a Budget: 1. Decide on the time frame you wish to look at. A financial year (July – June) is a good choice as it ties in with the Income Tax cycle

There are some excellent budget templates freely available in spreadsheet format. Alternatively, you could use the Budget inside your accounting software. Xero has a Budget Manager. The beauty of using the tools inside your accounting software is the ability to run reports comparing your budget to actual income and expenses as you travel through the budget year. Cash Flow Forecasting takes Budgeting a step further by mapping WHEN sales income and expenses move in and out of the bank account. This movement in and out will also take into consideration payment of liabilities (that are not income and expenses) such as car loan repayments, GST liabilities, PAYG withheld from employee wages, etc.

3. When BAS returns are payable (these include GST, PAYG & PAYG Instalments) 4. When loan repayments are payable To start with we recommend our clients create a Budget for the next 12 months. From there a picture builds up of income and expenses, expected and actual, and then work can start on the cash flow forecasting. As the end of this financial year is coming to a close ... why not create your first Budget for the July 2021 – June 2022 year?

Cash Flow Forecasting is a valuable tool to see at which times your bank accounts are healthy and not so healthy and help assess that you will have enough funds to meet payments at the right time. In addition to the basic steps above ... the steps to create a Cash Flow Forecast include:

Mary-Clare Switz

3. Estimate expenses for each month (that means everything!)

1. Showing when payments for sales will be received in (next week, next month, etc.)

Bookkeeper BISCUIT BUSINESS SERVICES

4. Input these figures into a budget template

2. Showing when bills will be paid (upon receipt, 30 days end of month, etc.)

2. Estimate sales for each month

0448 887286 mc@biscuitbooks.com.au JUNE 2021 | FIND GEELONG

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Should I Start a Tik Tok?

VIDEO CONSULTANT By Zoë Wood

Long story short… It depends? First things first; Tik Tok is a short vertical video social media platform popular with millennials & Gen Z. It has a long list of diverse communities that it caters to. Video posts on Tik Tok are usually under 60 seconds, have short sharp messaging, and use a variety of in-jokes and trends that can grow old within a week. So where do you even start? The question should be… Should I start? Tik Tok is currently the fastest growing video platform in the world, and within the next 2 years, it will be the biggest. This means there will be plenty of eyes BUT that also means A LOT of competition. Is the community that you serve even on Tik Tok? Tik Tok, like all social media and content focused platforms, has had many controversies. The app was created and is maintained in China which has a lot of ramifications, both politically and in terms of what gets popular. Censorship, negative algorithm bias against disabled creators, and the algorithmic exclusion of content from people of colour have all hit the spotlight in recent months.

This could be a major deal-breaker for most but the app is still growing everyday. Tik Tok, while also being a growing part of the ‘attention market’ (see the Video Confidence Coach video on that), is also a thriving space of community, idea exchange, and fast-paced recognition for those who can both entertain and educate in short sharp bursts. Like all social media, you can enjoy it and build your own communities that are not related to your charity, community group, or small business. It can purely be an enjoyable time-wasting experience, a place to keep up on trends, news, current events, and seeing what the latest/funny sound clip being used by everyone for the next week will be. If you are considering Tik Tok for your audience as a way for people to engage with you and your charity, group, or business. Consider these things first; are they already using Tik Tok? What is the best way to convey your information to your audience? Is it best using videos, text, or images? Can you regularly, consistently, and without fail produce videos that will get your audience liking, commenting, and contributing? Are you jumping onto Tik Tok because it is a trend? Answering these questions will give you a clearer idea of whether creating videos

for Tik Tok is right for you and possibly what other social media platforms are for you. I, Zoë, your Video Confidence Coach, am not on Tik Tok. Not because I don’t like it. I spend way too much time there, in what little personal time I have, but my audience/future clients are not there. They are more interested in longer videos and regular live online events where they can get questions answered right away. So I use my effort, time, and focus wisely on online platforms that count. See our up-coming video on the best social media trends for your situation by searching Video Confidence Coach on YouTube, Instagram, Facebook, LinkedIn, and not Tik Tok.

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

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Is Your Webpage Lockdown Fit? WEB DEVELOPER By Adam Sims

G’day Readers. This month we had another cyber security article scheduled, however due to recent events affecting Victorian businesses, I decided to address the elephant in the room that appeared at the end of last week. Right as businesses were beginning to find their feet, the 28th of May Victoria was forced into yet another lockdown. For many businesses the lockdown was yet another blow to their bottom line. For others, while it causes HR challenges, they are able to weather the storm and continue their day to day operations. Perhaps their operations are at a slightly lower capacity, but they are able to continue to operate and get their overheads paid. So what is the difference between those whose businesses come to a halt, and those who have shown again and again, that they are able to solder on? After detailed discussions with many of our clients and members of our professional business network, the key difference we have identified that separates those who are paralized by lockdowns and the few who are able to weather the storm, is that those who surviving and in some cases

thriving, made an effort to do the following;

•

Are there ways of collaborating more efficiently with the tools we have?

•

Give their business digital presence

•

Accept orders and payment online

How can we continue to automate our processes?

•

Fulfill orders remotely

•

Collaborate with staff digitally

•

Automate their business processes

The businesses are proving the most fit and able to weather the chaos caused by rolling lockdowns have worked diligently to address the above items. Right now all businesses should be asking themselves is; •

Is our business lockdown fit?

•

Can we afford not to take decisive steps in that direction?

•

How much would yet another lockdown in a month or two cost our business?

If your business is lucky enough to be lockdown fit, now is the time to take advantage of your strong positioning and begin asking; •

What can we do to streamline our processes?

These are simple but powerful questions all businesses who have made the decision and commitment to surviving the next five years must ask and continue to take action on. In the meanwhile, if you, a friend or family member, owns a business, feel free to reach out. Our team at aWebpage team has agreed to volunteer an initial consult for any local business who wants to get on track and make their webpage lockdown fit.

Adam Sims WEB DEVELOPER

aWebpage 1300 667 141

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Meal Entertainment – The Icing on the Cake

SALARY PACKAGING SERVICES By Dan Nicholls

For anyone working in the Not-for-Profit and Charity sectors, Salary packaging gives benefits that often seem too good to be true. Take it from us that it is well deserved and is a deliberate entitlement the Government has put in place to attract people to these sectors. In line with the idiom of “The icing on the cake”, many people are unaware that they can also salary package what is known as the Meal & Entertainment Facility Leasing benefit (ME). This title is a bit of a mouthful and can be confusing but once explained it can be very rewarding to the individual and very straightforward for the employer. So, what is it? ME is in addition to other Salary Packaging benefits and is for the costs of an event like a birthday party, anniversary or wedding at a venue. In addition, other expenses such as accommodation costs, packaged holidays and cruises can be included. ME is a reportable benefit that is capped to an expense value of $2,650 per FBT year (which is grossed up to $5,000). There are a couple of different ways that ME can be managed, which we at The Salary Packaging People can provide guidance.

So in practical terms, what can be claimed? •

Hire of a function room, reception centre or marquee for a celebration event

•

Hiring of holiday accommodation such as a hotel room, serviced apartment, bed & breakfast, cabin, caravan or caravan site.

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Hire of a marquee or corporate box for a party or other celebration

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Cruise costs if accommodation is included

•

Fully packaged holidays (which can include airfares if accommodation forms part of the total price)

KEY TAKEAWAY Meal & Entertainment benefit covers a wide range of expenses which are not always obvious, so it’s best to talk to us and we can guide you through your entitlements to save tax.

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.

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

SUPPORT LOCAL, BUY LOCAL, DISCOVER GEELONG Do you have photos from a local event or even a great story you would like to share?

SEND US YOUR NEWS! Geelong

editor@findgeelong.com.au

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Mindfitness

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Tips to Promote Mental Health and wellbeing LIFE COACH & COUNSELLING By Lou Lugsdin

Covid-19 continues to present us with many barriers and is still testing our resilience. Life surely does present us with many challenges as we navigate it. We are all presented with ups and downs and tricky situations that test our coping mechanisms and ability to adapt to change. If you find dealing with change hard, you are not alone!!!! As humans, we have a natural resistance to change. We need strategies and personal resources to deal with and manage change. From the onset of the Covid-19 epidemic we have been forced to do things differently, to adapt, to change and to live life according to new rules and regulations. This is tough! Now, not all change is bad. It is also the birthplace of creativity, insight, self-awareness, and personal growth. Our ability to cope with, and handle change determines the outcomes we receive. The better we deal with it, the better the outcomes.

Tips for Mindfitness

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Go for a walk.

•

Daily Gratitude Journal – write down 2-3 things you are grateful for every day. For example, I am grateful for the fresh air that I breathe. I am grateful that I get to walk my dog every day.

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Listen to a podcast that inspires creativity, positivity, and growth mindset. Podcasts that are motivating are fabulous and ones that are funny are a bonus.

•

Mindfulness – Find guided meditations that focus on things like, the breath, rest, relaxation, restoration, gratitude, and forgiveness. I recommend the Smiling Minds App, it is free, and I love the body scans. The CALM app is also a great mindfulness and meditation app.

•

Chat to a friend.

•

Daily Box Breathing – go to YouTube and watch a video that demonstrates how to do the Box Breathing Method.

Ask for help and support and seek professional support and advice if needed. Services such as Lifeline and Beyond Blue can be contacted at any time. There are many support services and professionals who are trained and experienced to help people.

•

Encourage and participate in reflective and insightful dinnertime conversations. Ask each family member to share one thing that they are grateful for today, one thing that happened that they enjoyed, one thing that they did not enjoy or found challenging, something they found funny, and something they did for someone else.

•

Online yoga class, fitness class, breath work class

•

Spend some time in the garden, in you have one. Walking on lawn with bare feet is amazing and a great grounding activity.

The following tips and strategies promote healthy mental and emotional fitness and well-being. They are worth including in your daily, weekly, and monthly habits. The more we do these things, the greater their positive impact.

There are many more things we can do to assist our mental and emotional health and well-being. Many of them are free and vary in time. Five minutes is all you need! Mindfitness requires time and training. Just like people go to the gym to enhance their physical fitness, we need to train our minds to be mentally fit! Mindfitness does not just happen. We must exercise our minds to keep them fit and healthy.

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

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Creating A Demand For You And Your Products BUSINESS COACH By Deb Fribbins

According to the Australian Bureau of Statistics On line shopping has increased by 65.5% in Australia from the beginning of COVID March 2020 until January 2021. On line food shopping has increased from $500M to almost $900M or 2.8% to 5.2% of total food sales Non Food has jumped from$1.4Billion to $2.3Billion or 10.3% to 13.9% of total spend Total online has moved from 7.1% to 9.1% of total spend in Australia Statistically, some areas are hit much harder than others. Homewares, electrical, electronics, office supplies and various hard goods categories have been hit the hardest. Apparel and accessories are hit harder in the younger market. Items more suitable to male needs, have higher uptake online. A couple of observations of mine. Men are less fussy than women, so long as it does the job they want, they are happy. They do their research online about the capabilities and are more interested in outcome than aesthetics. The younger age groups would rather spend their time in pursuits other than shopping, they let their fingers do the walking. Look at the clientele in your local shopping centres. (Not during COVID)

Attracting these people back into our stores either physically or though the website can be achieved through being proactive, knowing your customer’s needs. Be an entrepreneur, not just a manager. Look for alternative, innovative ways of display and presentation, use of marketing channels and customer interaction. Your customers are generally time poor. It is true they are looking for a bargain particularly, while money is so tight through

COVID. A bargain is not necessarily a cheaper price it comes in all forms. • What is most important to your customers? •

Is it the customer information and the support you offer?

•

Is it delivery and installation?

•

Is it the accessories you offer that enhance the use?

•

Is it the genuine customer service?

•

How do you convey this to your customers?

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Creating Theatre and a sense of urgency are my personal favourites to entice your customers to your store.

see what’s new. Windows can tell a story not just show a product. What story can you tell in your business.

FOMO (the Fear Of Missing Out) is a key driver for many today, especially the younger customers. How do you convey your message to this market that they will miss out on your brilliant products if they do not shop with you, and shop NOW!

Where applicable look at the opportunities in your neighbourhood. Your neighbourhood will vary depending on your product offer. How big is your catchment area, your suburb your city, or your country, the world.

Creating theatre in an innovative way to attract customers through the door or to your website will give you a point of difference. Myer have done their Xmas windows in Bourke St for the last 65 plus years, because it brings the crowds into to the store to buy. Bunnings have demonstrations in store every week to show people how to use tools they may not have thought to add to their toolkits. Bookstores invite award winning, popular authors to sign their books in store. Homewares stores align with celebrities to increase their public profile. Variations of these options can be applied to any business. Think outside the square! Make good use of your window space/ front page of your web site. Change it as often as you can. Eventually your customers will start to come to you just to

How relevant are your products to national events, Mother’s Day, Father’s Day, Xmas, New Year, Easter etc. etc. Make them all relevant. Every product is suitable to each of these events. Locally, look at sports finals, theatre productions, school events, competitions, art shows, racing carnivals, etc. etc. How do these relate to the products you sell. Utilise the marketing of other organisations to tie you together to a theme of the event. Some are more obvious than others. Having that entrepreneurial mind will guide you to link any of these to your business. It is a part of your marketing schedule for the year. Placement of merchandise is key in store. Where are the lost leaders you have, to encourage customers into the store. How often do you change these?Always put your clearance out of season or discontinued lines at the back of the store clearly signed to drag customer through

the new and exciting on the way there. Service items can be a great draw card at the front of the store to get the attention of the shoppers. Special packages, as applicable to your products, can be a great way of encouraging a larger basket size. If there is a great incentive, people will buy a second or third item that may enhance the purchase of the product they came in to buy. There are many and varied ways to promote sales, without discounting your profit. If you are stuck for ideas contact DEB and we will work though some options with you. https:// calendly.com/deb-fribbins/60min

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

Aussies Put Emissions Above Bills: Survey Despite the repeal of Australia’s carbon price seven years ago, more than six in 10 Australians also continue to advocate for an emissions trading scheme. “Several important results in this new poll show overall concern about climate change has increased in 2021,” the Lowy Institute report notes. Elsewhere, the Lowy report found 63 per cent of people think there should be a ban on new coal mines in Australia, and coal exports should also be reduced.

Angelo Risso (Australian Associated Press)

A majority of Australians say the federal government’s highest energy policy priority should be the reduction of carbon emissions – and not lower prices.

eight points higher than two years ago.

That’s the outcome of a poll of almost 3300 Australians conducted by the Lowy Institute think tank on the country’s climate change views.

Three quarters of respondents, meanwhile, said the future benefits of taking action on climate change outweigh the contemporary costs.

The mid-April poll of 3286 people found 55 per cent of Australians want the government’s foremost priority for energy policy to be “reducing carbon emissions”,

This includes the subsidisation of renewable energy technologies, with more than 90 per cent of people saying Canberra should tip in more money.

In comparison, 32 per cent of people wanted the lowest possible energy price.

Two thirds of people in 2016 believed Australia should keep exporting coal. And as November’s Glasgow climate summit inches closer, seven in 10 Australians believe the country should boost its climate pledges. Yet while 60 per cent of respondents said Australia should do more to combat climate change, a greater proportion of Australians said other countries – such as China, India and the United States – should also do more. JUNE 2021 | FIND GEELONG

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How The 2021-22 Federal Budget Is Supporting Women FINANCIAL PLANNER By Mark Kruger

The safety and economic security of women was a prominent theme for the 2021-22 Federal Budget. Some of the announcements were as follows: Childcare Subsidy The Childcare Subsidy percentage for families with multiple children aged 5 and under in childcare has been announced to commence from 11 July 2022. This measure, if passed, will see an increase in the subsidy percentage by 30% for the second and subsequent child/ren, but this will be capped at no more than 95%. Women Only Scholarships The Government will offer scholarships to encourage women into science, technology, engineering and mathematics (STEM) careers. Increased Workforce Participation The Government seeks to remove more barriers for women who wish to re-enter the workforce after career breaks. They will provide more career opportunities and career pathways for women. Equitable household distribution after divorce The Government proposes to provide assistance to lawyers to provide mediation services to those parties with assets less than $500,000 will have those assets distributed fairly after separation. Women’s safety The Government have announced several initiatives to reduce the instances of, and support the victims of Family, Domestic and Sexual Violence (FDSV) against women and children. Various funding initiatives have been announced and more programs will set up for women and children who have been subjected to FDSV, support programs on consent and respectful relationships and support to assist vulnerable women and children to engage with the legal system.

Improving retirement outcomes The Government has announced the removal of the $450 per month threshold related to superannuation contributions. Given 63% of people impacted by the $450 per month threshold are women, it is hoped by removing this threshold that more women will have a higher super balance in retirement. While many of the measures announced in the 2021-22 Federal Budget aim to support women, it must be remembered that these announcements are just that, announcements. We will keep following this announcements and inform readers when this become legislated. Reach out for a free initial discussion. www.moneyrocket.com.au/bookings

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 presentation.

Mark Kruger FINANCIAL PLANNER Money Rocket 0429 446 229

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

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5 Types Of Garage Door Noises And What To Do About Them GARAGE DOORS By Chantal Djuric

Noises from garage doors are like pains in our bodies – they tell us when something is not quite right. Here are 5 types of noises you may hear your garage door making. 1 Bent tracks If your garage door makes rubbing noises when you open and close it, this could be a sign that the metal rail has bent. Another sign of this is if you see loose screws. Don’t try tightening them using a wrench or socket set. Call a garage door specialist at once.

A regular service by a garage door technician will prevent parts from wearing out.

2 Loose parts

4 Unbalanced doors

Each piece of your garage door hardware can become loose and they each have their different sounds. Highpitched squeaking or grinding noises may mean that the rollers or hinges are worn out. A loud slapping sound is caused by the rollers smacking against the track. This is because of jerky door movements due to a loose garage door opener chain becoming loose. A vibrating or rattling noise when you open and close it indicates that nuts and bolts have become loose. Metal or sloppy rollers or hinges will become noisy and worn after an extended period of use or if they are bent.

Banging, rattling, scraping or squeaking noises could be bad news – your garage door could be unbalanced. If so, the springs could be either exert too much tension or not provide enough to counterbalance the door’s weight, resulting in a snapped spring or cable, or the opener failing prematurely.

Call in a specialist to tighten whatever is loose and to replace old and worn out parts.

5 Improper installation

3 Poor lubrication When the door moves, it results in friction, which can cause squeaking, rattling or grinding. If you think of lubricating the worn rollers, don’t reach for your WD40 – check with a garage doors specialist what the best lubrication is. Remember the extreme tension the torsion springs are under — don’t place any part of your body in or near the springs. Don’t repair, remove or adjust the springs or any connected components of the counterbalance system.

Worn-out hinges aren’t as common as worn out rollers, but they can make a lot of noise. Check to see if the hinges are broken, worn out or have metal fillings or dust around them. Don’t repair, remove or adjust the hinges yourself. This is definitely a case for a garage door specialist.

If your garage door is grinding, squealing or rattling loudly, it may have been installed incorrectly. Other indications of this closing or stopping halfway up, not closing or opening properly and being difficult to operate.

to your garage, the structure of your garage and its alignment to your house, your garage’s overall condition and even the weather are factors that only a specialised garage door expert can analyse to fix the noise problem. Here are 4 ways a professional garage door technician can make your door quieter: • • • •

Replacing steel or metal rollers with nylon rollers nstalling a belt-driven garage door opener instead of a chain-driven one Installing torsion springs rather than extension springs, if there’s space Performing a thorough inspection to confirm your garage door is appropriately operating.

The best way to keep your door operating correctly and safely is to have regular garage door maintenance. For 24/7 garage door servicing, give Cruzin Garage Doors a call on 0427 894 603 or email us at sales@cruzingaragedoors. com.au.

The good news is that a garage door specialist can reinstall your door so that everything is aligned as it should be. Specialist assistance Fixing the noises of your garage door yourself is definitely not a DIY job. There are many factors to consider, such as the variety of garage doors – panel doors, roller doors etc. How they are attached

Chantal Djuric Garage Doors Cruzin Garage Doors www.cruzingaragedoors.com.au JUNE 2021 | FIND GEELONG

2021 TA Director Identification Number The Director Identification Number (DIN) regime has been passed by parliament and become law. Under the new law, all directors of companies registered under the Corporations Act will need to have a unique identifier. The DIN will be a measure that will limit the opportunities for a company and its directors to engage in phoenixing activities. One such new measure will require all directors to confirm

Announcement (3-Dec-2019) Consultation (3-Dec-2019) Introduced (4-Dec-2019)

their identity before receiving a DIN, as well as civil and criminal penalties for system misuse. A register

Passed (12-Jun-2020)

is currently being developed by the Treasury and the Commonwealth Registrar. It is expected that the

Royal Assent (22-Jun-2020)

ability for directors to register will commence shortly. A draft instrument has also been published, which

Date of effect (22-Jun-2020)

would allow a transitional period to 30 November 2022 for existing directors to register.

SMSF Penalties For Underreported Expenses Legislated Non-arm's length income (NALI) rules are bring strengthened. In particular, the NALI provisions are bring re-written to include situations where expenses of the fund are reduced in order to obtain a non-

Announcement (28-Jul-2019)

commercial benefit. This new law will strengthen rules which were previously only part of guidance

Consultation (24-May-2018)

released by the ATO for SMSFs. Specifically, an income tax liability will be enforced as opposed to

Introduced (24-Jul-2019)

previous interpretations of tax and super regulations in relation to super fund borrowings. Draft ATO guidance has provided further situations where an SMSF may have underreported non-arm's length expenditure, including where it may apply to all income.

Passed (19-Sep-2020) Royal Assent (2-Oct-2019) Date of effect (30-Jun-2019)

FBT Exemption For Retraining And Reskilling Proposed An exemption from fringe benefits tax has been proposed for when an employer provides an employee with retraining or reskilling opportunities at or prior to redundancy. This 2020 federal budget announcement will take effect from 2 October 2020, subject to the passing of drafted legislation. The government has also released a consultation paper with respect to possible changes to the self-

Announcement (6-Oct-2020) Consultation (29-Apr-2021) Introduced Passed

education deduction section for individual taxpayers. These measures may provide a tax incentive for

Royal Assent

employees to change careers, in particular if they are about to be made redundant.

Date of effect

Granny flat arrangements set for CGT exemption A "targeted" capital gains tax exemption relating to granny flat arrangements has been proposed in an exposure draft following a 2020 federal budget announcement. The intention of the new legislation is to remove financial impediments when a granny flat arrangement is legally created. A formal arrangement would generally trigger CGT event D1, which often leads to informal arrangements. As family is usually

Announced: 18-Jan-2021

involved, often it is these informal arrangements which can inevitably lead to financial and elder abuse. The

Updated: 11-May-2021

exposure draft is yet to be tabled into parliament and would require swift approvals prior to 30 June 2021. The proposed CGT exemption will have effect from 1 July in the following income year after Royal Assent.

Reviewing denied JobKeeper or Cash Flow Boost receipts A recent report into the ATO's administration of JobKeeper and Cash Flow Boost payments has uncovered situations where the ATO has incorrectly denied entities access to the stimulus payments. Some new businesses were informed that they were ineligible due to not having informed the ATO of any taxable supplies prior to the commencement date of 12 March 2020. However, the report acknowledges that this was misinterpreted by the ATO. In particular, the modified definition of taxable supply to include financial supplies. Originally, the report states that the ATO was not going to chase up businesses who may have been incorrectly determined to be ineligible. However, the ATO has recently stated that they will be reviewing all decisions where the Commissioner's discretion was not granted. Any affected clients of yours are likely to be contacted by the end of June 2021.

Announced: 18-Jan-2021 Updated: 11-May-2021

AX UPDATES 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(8-May-2018)

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

Consultation(11-May-2021)

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

Introduced

income year. This announcement is subject to the passing of legislation. 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 for Australian

Passed Royal Assent Date of effect(1-Jul-2021)

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

Apprentice Wage Subsidy Programs (2021 Federal Budget Update) All eligible businesses who employ an apprentice between 5 October 2020 and 31 March 2022 are eligible to receive a 50 per cent wage subsidy. The wage subsidy is available for 12 months from commencement of employment, which the maximum available subsidy of $7,000 per quarter per apprentice. This wage subsidy is a stimulus payment announced to effectively boost employment for young people to transition away from the COVID-19 downturn. These payments will be received via the Australian Apprentices Incentives Program and there is no longer a maximum number of available places. This program currently services employers by providing cash payments when apprentices meet certain targets. Another program

Announced: 12-Mar-2020

for apprentices that was in place prior to 5 October 2020 dealt with keeping apprentices employed (as

Updated: 13-May-2021

opposed to employing new apprentices). These subsidies were to combat rising unemployment and an expected national economic downturn due to COVID-19. The wage subsidy is based on which apprentices held employment with their employer on 1 March 2020 and 1 July 2020. Originally, only small business employers were eligible to participate. As of July 2020, the government extended the measure to include medium-sized businesses from 1 July 2020. The original wage subsidy commenced for employers from 1 January 2020 and ran through to 31 March 2021.

Loss carry-back available for companies (2021 federal budget update) For 4 income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to corporate businesses and is a recoupment of prior year income tax paid, but only available for recent income years. The loss carry-back is available to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the balance of the franking account. In the 2021 federal budget, the ability to utilise tax losses for a refund

Announcement(6-Oct-2020) Consultation(6-Oct-2020) Introduced(7-Oct-2020) Passed(9-Oct-2020)

has been extended by 12 months into the 2022-23 income year. The extension is subject to the passing

Royal Assent(14-Oct-2020)

of legislation. An ATO form is now available for companies who are early balancers under a substituted

Date of effect(1-Jul-2021)

accounting period.

JUNE 2021 | FIND GEELONG

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

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Need an update on your sewing skills or want to learn how to sew? Then join up to The Dress Up Place Sewing Workshops at only $20 a session. ($10 per hour - Bargain!!)

Tuesday and Wednesday - commencing 15th June 2021. From midday till 2:00pm. We will supply machines for you, fabrics and all the accesories needed to get you sewing.

BOOKING ESSENTIAL Limited to 4 per class so be quick to book your place.

Email: contact@thedressupplace.com.au Phone: 03 5222 5885 Mobile: 0433 553 684 Facebook: facebook.com/dressupplace

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Remember October 2020? See below: Congratulations and Well Done Hooly Dooly! The challenges and changes that we’ve all had to deal with so far in 2020 are mind boggling. Well done everyone for getting this far. Here’s hoping that the rest of the year is a little more straightforward. Happy Holidays! I hope you’ve all been able to do some special things over these two weeks of holidays, in the light of the easing of restrictions and the improved weather. Working parents, hopefully you’ve found some time off as well, to get out and enjoy some family time. Remember one of the greatest things we can do for our mental health is to get outside in nature. Physical activity outside, preferably as a family (with a simple picnic if possible) should lift everyone’s spirits. Coupled with getting our children (and ourselves!) off the screens and phones, is a recipe for a very healthy outcome. Back to School Next Term The plan is that students will all be back at school on Tuesday next week. Beauty! Hopefully we will all continue to be at school until the end of the school year. The return to school is likely to cause considerable anxiety for many children (and families) considering it hasn’t been the norm for so long. Here are some suggestions that might help the transition back next term:

•

• • •

•

Talk positively about the return, about the school, the children’s teachers, the programs, the friends – try and create a sense of excitement and positivity Prepare for the return to school well in advance, uniforms and other requisites sorted and ready to go Try and develop healthy bedtime routines as a norm, including: bathing, cleaning teeth, brushing hair, bedtimes, stories – these routines help create stable mindsets 3-5 days before school starts, ensure that the children are going to bed at a suitable time in preparation for school, so that it’s not such a shock the day before Keep devices away from children as much as possible at bed time, encourage book reading as an alternative – devices, screens, on line games and social media are not helpful preparations for sleep

I hope that’s useful. All the best everyone. Have a great break and we look forward to seeing you next term. Kindest regards, Rob, LPS Chaplain. Robert.Hunter@education.vic.gov.au

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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. JUNE 2021 | FIND GEELONG

JUNE 2021 REALESTATE

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

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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

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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

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2022 Calendar Competition now open Submissions are now open for the 2022 calendar. Local residents are invited to share photographs they’ve captured from across the region for our 2022 calendar competition. We’re looking for diverse photos that capture our region. There are four categories which you can enter in to: • • • • • • •

Nature Events and people Architecture and urban spaces Landscapes.

Enter Now

Each year we produce a wall calendar free of charge to residents and deliver to over 100,000 households. The annual Geelong calendar is available in the second week of December each year. The calendar details a variety of events, activities and special days to keep you up to date with what’s happening in the Geelong region.

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Geelong Small Business Festival: Apply now to host an event The Geelong Small Business Festival (GSBF) will run from Wednesday 18 August to Friday 3 September 2021. We’re looking for businesses and business experts to host events that fit the following themes: • Business essentials (cash flow, finance, tax, legal, applying for grants) • Marketing, social media and promoting businesses online (branding, social media, digital marketing, moving business online, new digital technologies) • Starting a business (business/ marketing plans, getting permits, home-based businesses, side hustles and co-working spaces) • Growing business and sales, and expanding networks (networking, local procurement, business mentoring, tips for success) • Career development, leading and managing people (leadership, employing staff, outsourcing, managing/motivating a team, • culture, diversity)

Hear ideas to help you adapt and rebuild your business

More News and Updates

• Health and wellbeing (keeping connected, staff safety and OH&S, • Be part of Geelong’s expanding, diverse and changing economy mental and physical health) If you’re an expert in any of these fields • Grow your business network or have an event idea to help small • Build your brand, profile and businesses, we’d love to hear from you. reputation to a ready-made audience Submit your application to host a GSBF2021 event

Celebrating World Environment Day

• Connect with other businesses

Applications are open until Friday 18 • Showcase your skills June 2021. If you have any questions about the Why host an event? There are many benefits to hosting a application process, or you would like to discuss your event idea, please contact GSBF event: us at ecodev@geelongcity.vic.gov.au or • Help Geelong businesses recover 5272 4888. and succeed post-COVID-19

Take part in the 2021 Australian Liveability Census JUNE 2021 | FIND GEELONG

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Victorian Country Championships 2021 2021 Country League Football Association COUNTRY CHAMPIONSHIPS Saturday 12th to Monday 14th June 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 12 June 2021 to 14 June 2021 Upcoming dates 12 June 2021, 08:00 AM - 04:00 PM 13 June 2021, 08:00 AM - 04:00 PM 14 June 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

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National Celtic Festival

When Daily from 11 June 2021 to 14 June 2021 Upcoming dates 11 June 2021 12 June 2021 13 June 2021 14 June 2021

The National Celtic Festival is held annually in Portarlington, Victoria, Australia on June long weekend. This winter festival is regarded as Australia’s premier Celtic Festival and attracts over 15,000 people to the region over the three day long weekend event each June. Get tickets here! The event commences on Friday evening and concludes on Monday afternoon (runs over 4 days). The Festival uses a range of venues within the town, including community halls and spaces, the hotel, restaurants, cafes and churches. Marquees are also set up on the foreshore to provide additional venues; these include the Village Stage, Celtic Club, Wine Bar, and Celtic Markets.

The festival caters for all age groups and for a diversity of cultural and family groups. The festival has become an annual event for families and friends to gather, offering time to relax and experience the depth of Celtic culture through the festival’s cultural diverse arts program. An easy 90-minute drive from Melbourne, the township of Portarlington is ready to welcome you with open arms. Nestled between the Bellarine Peninsula renowned vineyards and the famous mussel farms of Corio Bay, this normally quiet bay side village comes to life with the music, laughter and passion of the Celtic spirit. This event is proudy supported by the City of Greater Geelong via Geelong Major Events funding.

Where Various Locations Portarlington Foreshore Cost Free & Ticketed areas Facilities • Catering and/or dining • Children’s activities • Parking available • Toilets available • Undercover areas Contact Website: www.nationalcelticfestival.com Facebook: www.facebook.com National-CelticFestival-Australia-Official-279131415453469/

The National Celtic Festival program offers a broad and diverse range of arts experiences that capture the Celtic culture in its many interpretations within the Australian setting. The setting of the Portarlington foreshore and surrounding township is an ideal location for the festival and showcases the region. As festival organizers, we recognise the significance of the land on which the festival is held to the indigenous people of the area and in collaboration with local elders have developed ways to acknowledge this in meaningful ways. JUNE 2021 | FIND GEELONG

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Italy is an amazing country with over 350 recognised grape varieties planted.

RED WINES OF ITALY TASTING

Join Archive’s resident expert Graham Sutherland as he takes you on a vinous journey through some of these unique wines. You’ll taste through some of the easily recognised regions such as Chianti, Barolo & Valpolicella as well as some less well-known areas including Mt Etna on the island of Sicily. $60 per person (includes six wines and nibbles). Thursday 24th June 6:30pm - 7:45pm. Archive Wine Bar 140 High Street Belmont, Victoria 3216 03 5241 9030

Globetrotting troubadour Carus Thompson has toured the world alongside The John Butler Trio, The Waifs, Xavier Rudd, Jack Johnson & Pete Murray, selling over 30,000 albums along the way. A renowned songwriter and storyteller in late 2019 his 7th studio release Shakespeare Avenue came out to critical acclaim and solid radio play. Carus plays his first full Melbourne show since COVID, and can’t wait to deliver these new songs as well as old, all with the energy and passion that has made him one of Australia’s favourite acoustic artists. Queenscliff Brewhouse 2 Gellibrand Street Queenscliff, Victoria 3225

CARUS - FREE LIVE MUSIC

03 5258 1717

WINTER SOLSTICE ONE ACT PLAYS

Brrr, it’s cold outside but it sure is warm in here, especially with two unique nights of cosy entertainment. Come, drink mulled wine, sit by the fire and be amazed by the incredible talent of local playwrights and performers with these new one act plays and live music. Oldie Locks - A comic tragedy about a family affected by the onset of dementia. The effects of Bob’s changing grip on reality sends ripples through the family Introverts Outing - A group of “friends” meet in person for the first time after connecting via an online group for introverts.

This funny and touching play looks at how we sometimes need to get out of our comfort zones in this modern environment to make real connections. It also explores themes of dating, cheating, loneliness and breaking down stereotypes in a relatable and thought provoking manner. WARNING: This performance contains adult themes and situations 18 - 19, June 2021 Potato Shed 41 Peninsula Drive Drysdale, Victoria 3222 03 5251 1998

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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

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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 Upcoming dates 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 Show more dates

Contact Adventure Park Geelong Email: havefun@adventurepark.com.au Phone: 0352507200 Associated organisation: Adventure Park Website: www.winterglow.com.au F a c e b o o k : w w w. f a c e b o o k . c o m / adventurepark/

When 29 August 2021, 11:00 AM - 06:30 PM 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 Cost This is a free event Contact Michael Fitzgerald

EVENT POSTPONED AUGUST 2021 ***

SUNDAY

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.

Email: michael@sweethearts.com.au Phone: 0438911478 Associated organisation: The Sweethearts Foundation Inc. Website: h t t p s : / / w w w. s we e t h e a r t s .c o m .a u / sweetmusicfest/ Facebook: https://fb.me/e/cYVkLDRxT

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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. 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.

Swan Bay Express Train Rides

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

Saddleworld Melbourne International Three Day Event Every June, Queen’s birthday long weekend, the finest horse and riders in the country arrive at the picturesque Werribee Park precinct, to compete at Victoria’s premier eventing competition. The event welcomes all visitors to the Melbourne International Three Day Event, to enjoy a day out with family and friends in the fresh air and beautiful surrounds of the Werribee Park Mansion, Werribee Open Range Zoo and the State Rose Garden whilst enjoying some of Australia’s best equestrian athletes. This event is a world class equestrian event which has a sixty year history. It is the horse riding triathlon of dressage, cross country and show jumping - a spectator’s dream. Equestrian Victoria 170 K Road Werribee South, Victoria 3030 10 - 14 of June 0418 397 443 JUNE 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

Winter layering made easy with Tarocash How to layer up effortlessly for any occasion The weather may be changing, and we may be tempted to stay in more, but we all did enough hibernating last year. Winter is well and truly here, so you need to know about cooler climate dressing. Here is an easy guide for how to layer up effortlessly this winter, and how to look smart and feel comfortable wherever you’re headed. Work – office or WFH:

Man of the match:

Date night vibes:

We can’t promise your team will win the match, but what we can promise is that you’ll look good watching it! Match-day rules are simple, stay comfortable and weather-proof your outfits. Seek comfort in your favourite jeans and a cosy knit, like the new style Arizona Regular Stretch Jeans and the Northcote Henley Knit. Top it off with the Eli Water Resistant Bomber Jacket to keep you dry, if you get caught in the rain going pitch to pub. Or, beat those chills in a wool coat – the Lockland Wool Coat will keep you warm and comes with a handy detachable hood to switch up your style.

Textured knits are going to be big in winter because they allow you to transition seamlessly from day to night with style. The Gitano Knit in Sand is a great versatile knit to wear for a day in the office, weekend away, or when you’re dressing to impress on your date night. Match it with your favourite chinos or the new Vega Slim Check Pants and a bomber style jacket. Plus, arrive in style in the Southfield Check Wool Coat with a wool blend and funnel neck to keep you warm, and a button front with a subtle on-trend check. The Quinn Hooded Biker Jacket paired with jeans and the Corrigan Knit is the ultimate date night look, that looks good for a drink at the bar, or a night spent at the cinema watching a movie.

Whether you’re back in the office or keeping it more smart-casual while working from home, the all-new smart Donnie Sneaker is a great addition to your workwear wardrobe, to ensure you’re comfy all day long, whether teamed with your suit or your chinos. Don’t forget to add a knit to keep you warm during the commute, with the cooling weather outside or from the constant aircon artic breeze in the office! Our Merino Wool Crew Neck Knit is made from 100% pure Merino Wool and will keep you warm with its luxe texture and soft touch. It is a great layering item and will be your go-to knit this winter, because it’s machine washable! Mix and match your Merino knit with everything from your suiting to your chinos with a white shirt underneath – available in 3 colours: Navy, Grey, and Black. That’s your winter 9-5 sorted!

With outdoor winter events, knits a pretty much a need. The great thing about neutral coloured knits is you can mix and match with pretty much anything. Switch it up with different colours and patterned shirts, and complete your look with the Lorenzo Textured Lace-Up Boot, a twist on our summer favourite, or the Enzo, a great smart-casual style that works well with jeans or chinos.

Pair your knits and check pants with 100% European leather boots. The Kingsman Gusset Boot is your new smart-casual boot that’s a must-have this winter. Style it with check pants, jeans or chinos for an effortless ensemble that will carry you through all occasions this winter. And there is no fear of an embarrassing date slip-up with our new anti-slip sole.

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RETIREMENT

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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

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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.

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JUNE 2021 | FIND GEELONG

Don’t Retire Even If You Can Afford To

RETIREMENT By Bernard Kelly

You should never plan to retire – even if you can afford to. Plan instead to get involved with organisations that will provide you with on-going mental stimulation. We are all social creatures, and we need friendship and companionship to maintain our sense of wellbeing. This happens naturally early in life, in school or in the workplace, but we need to fertilise it somewhat when we exit the workplace and need to find new friendship groups. RETIREMENT MAY LAST 35 YEARS We need to take the long view on this – after all friendships emerge from shared and common interests, so it’s worthwhile to give some thought to where can we meet others with the similar interests. One approach is to associate with recently formed organisations – creating together a whole new Movement with new colleagues will definitely generate new friendships.

An alternative approach is to create a completely new Movement. If you like singing, and there’s not a choir locally, why not start a choir yourself? FIND A NOBLE PURPOSE Suppose you want to establish something unique – such as a miniature railway – it would be worthwhile to list the advantages that you could offer to local youth. You could promote it as an introduction to civil engineering, to mechanical engineering, to business management etc. Once you can paint the vision of that can be achieved, you’ll attract new colleagues and develop friendships. And another attraction of creating a new project is that you’ll have commitments and deadlines to meet – as children our parents set obligations for us, the teachers do it for us at school, and it was the boss who did that when we were in the workforce. But once we’re retired, we need to create those responsibilities for ourselves.

SEASONAL CHARITIES However, not everyone has the capacity to create their own movement. But you may still like the excitement that comes with a new venture. If that’s you, why not join a seasonal charity? They offer excitement and deadlines and new friendships. They may be just what you’re looking for. One that comes to mind is Elf Squad. This charity – initially focused on Geelong - helps families in need at Christmas, by providing ‘Elf Sacks’ filled with Toys, Treats & Tech. You’ll find Elf Squad on Facebook.

Bernard Kelly 0414 778 518

Bernard Kelly writes about retirement issues. To comment, his email is bernardkellygeelong@gmail.com

JUNE 2021 | FIND GEELONG

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By Georgia Walker

Looking after ourselves should be one of our number one priorities, but is not as easy as it may seem. With our fast pace way of living, we are on a merry go round of technology, noise, social events, work schedules, school commitments, responsibilities - our to do list just goes on and on. Multitasking has become a badge of success and we wear it with honour. Unfortunately this lifestyle of ours can leave us feeling exhausted, stressed, anxious and unwell. So how do we begin to slow down and take care of ourselves? How do we stop, pause, relax and reset? The answer is meditation! Scientifically proven, meditation nourishes almost all of our self-care necessities – physical, psychological and spiritual. It allows us to get in tune with ourselves and increases our mindfulness so that we can focus and become more aware of present moments instead of constantly being distracted by our worrying thoughts, which most of the time are in the past or future or imagining some disaster that may never even happen! This awareness is very important as it not only helps us to make the most of our time, it also helps us to notice our thoughts, feelings and become aware when something is off balance. Meditation also helps us to control anxiety, reduce stress levels and improve sleep and mood. Studies have shown it can also benefit against an array of conditions including pain and post-traumatic stress disorder. Adding meditation to our self-care tool kit provides us with the quality ‘me’ time so that we are then able to feel nurtured - best of all, there are no negative side effects! It can be done by yourself or in a group. The benefits of group meditations are that it cannot only motivate us to find the space and time to do this for ourselves, but it also allows us to connect with others, feel supported and feel like part of a community. People coming together with the same agenda can be very powerful. Health and wellbeing are not only about food and exercise, but about taking care of ourselves as a whole: Mind, Body and Spirit. With so many benefits why not give meditation a try? You may be surprised at how it positively impacts you and soon becomes a healthy habit.

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

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FIND GEELONG | JUNE 2021

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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.

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JUNE 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

JUNE 2021 | FIND GEELONG

FC LEOPOLD By Lisa de Vries

Seniors Men div 1 The Div 1 side were eager to get their season going after having the bye in the opening round, and came out all guns blazing in the early exchanges. Rangers true to their word fielded a talented group of youngsters who will go a long way and certainly pick up valuable experience during course of the season. During one of those dangerous runs, Herron was unceremoniously brought done in the box in the 9th minute. Up stepped newly appointed captain, Tom Andrews, to send the young Rangers custodian the wrong way. It was the start they had hoped for. Leopold doubled their lead at the 16 minute mark, when Andrews rifled in from distance. While many watching were thinking, how many? Rangers stuck to their task, but it was Pancic and Andrews who bossed the middle of the park with rapid switching of play. 2 nil at the break and &quot;Coach Carlos&quot; looked to be pleased. The youngsters stuck to their task and made Leopold earn any ball they got but the home side always looked to hold the upper hand. Late in the game Rangers struck a consolation goal and there were a few nervy moments for the home side until Pat Carey rose at the back post, like a leaping salmon, and put the game beyond doubt as his header hit the top corner. A deserved victory with the visitors playing their part in a high intensive game. Men div 3 Round 2 was the first home game for the Div 3 side and looking to pick up first points of the season. Things didn&#39;t go to plan andwent into the break one nil down due to poor communication in the back line. Things wentfrom bad to worse as Caleb was shown a red for his &quot;last man tackle&quot; A dubious penalty allowed Deakin to double their lead and eventually take out the game. Women’s team FCL Women&#39;s finally got to take to the park after North Geelong forfeited last week. The visitors were Corio Bay, fresh from their 8 nil win over Deakin Ducks. Both sides were missing key players, Cobras had the bare 11 while FCL took the park fielding only 10. It was FCL who took the lead with a 25 metre curling free kick from Rebecca Dorling as it nestled in the top corner giving the keeper no chance. Sian Malone doubled the lead after the keeper spilt the ball under pressure. The half time score of 2 - 0 didn&#39;t indicate the pressure the visitors applied. The second half began and now with Cobras only having 10 fit players, the terms were even. It was now end to end stuff and players from both sides were feeling it, cramps and strains being the main issue. With 10 minutes to go, Cobras pulled one back and went in search of a leveller, but FCL held tight and ran out 2-1 winners. Excellent and gritty display from both sides. Lights update Estuary Reserve was lit up for the first time for the first time on 21 st April ever as they worked hard to get the angle positioning done in preparation for the weeks handover. A picnic on the pitch is being held Friday 30 th April to celebrate the lights and upcoming female football week. Photo credits to

John Conway at Chromagraphics

Gayle Tierney MP STATE UPPER-HOUSE MEMBER FOR WESTERN VICTORIA MEDIA RELEASE Thursday, 13 May 2021

VICTORIAN GOVERNMENT DELIVERS WORLD-GAME WIN FOR FC LEOPOLD Soccer has been given a boost in Leopold with the Andrews Labor Government announcing funding to the City of Greater Geelong to upgrade to facilities at FC Leopold’s Estuary reserve. Bellarine Duty MP, Gayle Tierney, on behalf of Member for Bellarine, Lisa Neville, today announced $250, 000 towards the construction of a new pavilion from the Government’s 2020-21 World Game Facilities Fund. Soccer is mass-participation sport for women and men and girls and boys, with more than 456,000 participants registered before pandemic. The new grants will help football club retain players and attract new participants with new facilities replacing ageing infrastructure. FC Leopold has seen growing membership since its formation in 2016, however the lack of pavilion facilities and amenities have stopped the club reaching its full potential. The funding will anable the design and construction of a multi-use pavilion including changerooms, amenities, social space, kitchen, storage and office space. Since 2018, the initiative has invested $9.9 million into 38 game-changing infrustracture projects across Victoria, with a total project value of $25.5 million. The program provides grants of up to $500,000 to Local Government Authorities and Alpine Resort Boards to deliver shovel-ready projects including sports lighting, turf pitch developments, synthetic pitches and female friendly change rooms. The next round of the World Game Facilities Fund will open for applications in August 2021. The initiative is part of the Victorian Government’s strong commitment to sport and active recreation, gender equality, active lifestyles and stimulating local economies through job creation to make a real difference to local communities. The Victorian Government has invested more than $1.05 billion in community sport and recreation infrastructure since 2014. Ms Tierney acknowledged project partners the City of Greater Geelong for their commitment and financial contribution to delivering the FC Leopold Pavilion at Estuary Reserve. Quotes attributable to Member for Gayle Tierney MP

“We’re providing the facilities that will encourage boys and girls - and people of all ages - to get out there, join a local club and enjoy all the benefits of living a healthy lifestyle.” “ The World Game Facilities Fund is getting it done for the FC Leopold providing more opportunities for passionate football fans to play the sport they love.”

OFFICE: Ground Floor, 1 Yarra Street, Geelong VIC 3220 P: (03) 5224 2088 F: (03) 5224 2386 E: gayle.tierney@parliament.vic.gov.au

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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.

JUNE 2021