Find Geelong - August Edition by Find

Geelong The

AUGUST 2020

WHAT’S INSIDE: 02

COLUMNIST CONTRIBUTOR SECTION

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

GEELONG COUNCIL NEWS

FIND CACHE

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER GEELONG

DON’T BE THAT “KAREN”

SEE PAGE 03 FOR THE FULL ARTICLE

A STEP-BY-STEP GUIDE How to Make a Cloth Mask

PLATINUM SPONSOR

JULY SPONSOR GEELONG PROPERTY MANAGERS

SEE PAGE 08 www.geelongpm.com.au

0418 528 309 warren@geelongpm.com.au

COLUMNIST CONTRIBUTORS ACCOUNTANT| FOUNDER

TEAM/LEADERSHIP COACH

LOAN SPECIALIST

FINANCIAL PLANNING

WARREN STRYBOSCH

SALLY HIGOE - FACILITATOR

LEE WISNIEWSKI

CHRIS CARLIN

REAL ESTATE RENTALS

PAINTING & DECORATING

GARAGE DOORS

EDIBLE BOUQUETS

WARREN RAPSON TRAVEL SERVICES

TK SAUNDERS

CHANTAL DJURIC

STEVE DAHLLOF BUSINESS COACH | MENTOR

BOOKKEEPING

MARKETING

Article coming next month.

AINSLEY SOFFEE

DEB FRIBBINS

ROY EMMETT

ACCOUNTANT

ELECTRICIAN

SOLICITOR | LAW

Article coming next month.

BOOKKEEPER

Article coming next month.

Geelong The

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

OUR NEWSPAPER The Find Geelong was establish in 2019 for the purpose of bringing together everyone in the community in one place. Our core focus is the support all the Not-For-Profits in the region by providing NFP’s with FREE advertise and helping them raise funds for their respective organizations. A core of business owners attend the Find Network luncheons held one a month to discuss the paper and how best to make it even better fo the local commnunity. The Find Geelong has a strong editorial focus and is financed predominately by the business community.

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

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

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

ADVERTISING RATES (INCLUDE GST) Double Page Spread: (283 x 406mm): $1650 Full Page: (283 x 196mm): $1100 Half Page Landscape: (134 x 196mm): $715 Half Page Portrait: (280 x 95mm): $ 715 Third Page: (90 x 197mm): $550 Quarter Page: (139 x 96mm): $440 or Business Card Sized: (53 x 98): $121

(106.67mm x 253.87mm horizontal): $396

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

NEXT ISSUE Next Issue of the Find Geelong will be published on Tuesday September 8, 2020. Advertising and Editorial copy closes Friday September 4, 2020.

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

DON’T BE THAT “KAREN” By Warren Strybosch

I feel sorry for anyone named as the name has become synonymous with anyone who is entitled, selfish and likes to complain. ‘Karen’ been getting some pretty bad press of late especially when a woman last month threatened to sue Bunnings when staff insisted that she wear her mask. She is now dubbed the “Bunnings Karen”. We also have the “Brighton Karen” who decided that it was acceptable to breach lockdown regulations and go for a walk. Apparently, she is upset that her 5km radius includes nearly 50 she lives so close to the beach. Even when someone tried to help a ‘Karen’ they get backlash for doing so. Like Domino’s when they offered free pizza to up to 100 Karen’s who are doing the right thing. Both Domino’s Australia and Domino’s New Zealand ran the campaign. Unfortunately, Domino’s in New Zealand got such a backlash from those playing the race card, they had to withdraw the competition. The offer was criticised because many people argued that “Karen negativity” was an issue that affected mostly “privileged white women”. “Most of the time ‘Karens’ are entitled privileged white women. If a few people actually called Karen can’t handle the meme they should try handling 400 years of oppression,” said one user on Twitter. “When you wanna reward more privilege to the most privileged in our society,” another said. Then you have the Karen’s and others who believe the term “Karen” has proved controversial online. Many arguing the term is an insult in itself, racist and misogynistic. Domino’s said that people interpreted their campaign “in a different way than we intended”. “Our intention was one of inclusivity only. We want you to know that we are always listening and learning and when we get it wrong, we fix it. We are sorry.”

which it was intended and had some fun tagging their friends and family named Karen. “Unfortunately, due to lacking important context in New Zealand, it was not received in the same way. “Our intention was one of inclusivity only, which is why we removed the post in New Zealand and issued an apology.” At the Find Maroondah, we just want to encourage everyone to do the right thing, wear your masks, and be kind and considerate to those around you.

Domino’s Australia, which ran the same campaign, did not withdraw the offer but allowed it to run until the competition ended.

Also, before you attack someone who might not be wearing a mask, take the time to find out why. Not everyone is required to wear a mask and there are circumstances where it might not be practical to do so at a given point in time.

The company said: “Thankfully, the majority of Australians interpreted the giveaway in the light-hearted way in

For instance, a man and his daughter were yelled at when they were out walking because the daughter had her

mask down whilst talking to her father. What those who did the abusing did not know was that the father was deaf and had to lip read his daughter to understand her. This is just one example of where we need to be mindful of others during this difficult time. Again, we encourage everyone in Maroondah and throughout Victoria to wear your masks but also be kind to others if they are not…just remind them of their masks or take the time to enquire as to why they may not be wearing one. Alternatively, just keep well away from them so you reduce the risk of infection. Don’t be a “Karen”, or a COVID IDIOT (more on that in next month’s issue). Be kind, compassionate and do the right things by others.

AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

Stage 4 Lockdown

By Warren Strybosch

Under the Victorian government’s new stage four lockdown rules, Melburnians will be allowed only to travel within a 5km radius from their home to go shopping and exercise (with a few exemptions). So how far is that? The tool below lets you enter your address and then see how far you can travel without breaking the basic rule (there are some exemptions). To use the tool, type in your address (don’t forget the street number particularly on a long road) and hit “search”. Your address should then appear as an option, click on the correct address option and a red circle should be generated to show you where you can travel. The circle that you’ll see will show you the direct distance - as the crow flies - so you might see a descrepancy with how far away your navigation system says things are particularly if there’s a winding road or a river on the way. Curfew There is a nightly curfew from 8pm to 5am with exemptions for work, caregiving, medical and compassionate reasons. Exercise Maximum one hour daily within 5km of home, with one other person - no family/share house groups. There is an exemption for dependent children. “Daily exercise is just that. It’s an opportunity to get some exercise. It’s not an opportunity to live our lives as if this pandemic was not real and not here,” Mr Andrews said. “When it comes to exercise, it’s no longer three sets of tennis or a game of golf or any of that. It is staying close to home and only once per day and only one person. That is really very, very important as well. “The whole issue of one hour really puts beyond doubt some of those recreational activities anyway because you simply wouldn’t be able to conduct some of those things in an hour. “There will be commonsense exemptions for children who are being cared for and can’t be left at home and things of that nature.”

Shopping Only one person per household per day within 5km or closest supermarket. There is an exemption for caregiving, assisting the elderly. “You will no longer be able to leave home and go any further away from your home than a 5km radius,” Mr Andrews said. “You will not be able to be at any point more than 5km away from your home for the purposes of shopping for what you need. Only one person will be able to go shopping once per day and they will need to secure the goods and services that are what you need within a 5km radius.

“I want to assure all Victorians, supermarkets, the butcher, the baker, food, beverage, groceries, those types of settings, there will be no impact there. “I want to make the point there’s no need to be queuing up at the Coles or Woolworths or queuing up at the local baker or butcher, they’ll remain open. “They’ll remain able to provide you with the things that you need. Takeaway meals, home delivery meals, they’ll remain as they are now.” Education Monday - as per the current program. Tuesday - pupil-free day.

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

Stage 4 Lockdown

Wednesday - all classes return to remote learning statewide “What that means for metropolitan Melbourne is the year 11 and 12s will go back to working from home. “Special schools will remain open for those who really need to be in those settings. And the children, the students of parents who are working, they will be able to go to school and be supervised but it will really only be those that are absolutely necessary to do so. “We’ll be reducing the total amount of students that are at school and therefore the total amount of movement. “In regional Victoria, they will move to remote and flexible learning for all students but there will be I think larger numbers of students that are allowed to be at school because their parents are working.” Childcare Childcare will be closed. There will be an exemption for vulnerable children and children of permitted workers. Education Minister James Merlino said: “That means for the first time in our early childhood settings, the only children who will be attending on site will be children of workers and those defined industries or very vulnerable children.” Taxis/Ubers Mr Andrews was asked about rules in ridesharing cars and taxis and said: “Mandatory mask. Mandatory backseat and we’ll be doing further work around whether there are passenger limits on that.” Intimate partners There will be an exemption from the 5km limit for people to visit their intimate partners.

Public transport Restricted overnight train services returns to pre-Night Network program.

Some Protective Services Officers deployed from Night Network to enforcement. Restaurants/Cafes Takeaway and home delivery allowed subject to conditions. Bottle shops Will remain open. Weddings Banned from Thursday.

“The arrangements in relation to intimate partners are unchanged,” Mr Andrews said.

There are exemptions for compassionate reasons.

“The arrangements in relation to shared custody are unchanged.

Funerals Mr Andrews said the rules on funerals were unchanged.

“Things like five-kilometre rules and reasons to leave your home, they don’t apply in those circumstances.”

Recreation Organised sport, recreation, golf and fishing are all banned.

Businesses Mr Andrews said there would be more detail on Monday about restrictions on businesses. “I’ll have more to say about the types of restrictions within the economy, types of changes to the way we work and the types of support we’ll provide to all those affected,” he said. Regional Victoria Moves to current stage three restrictions from Thursday. Mitchell Shire Remains on the current stage three restrictions.

AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

Extension of JobKeeper

By Warren Strybosch

The Government has announced an extension of JobKeeper from 28 September 2020. From this date, the flat rate of JobKeeper will reduce, payment tiers will be introduced and ongoing turnover tests for businesses will be used to determine eligibility. Legislation is necessary to support this measure and the next sitting of Parliament is 24 August 2020.

$1,200 per fortnight for those working 20 hours or more per week (on average)

$750 per fortnight for those working less than 20 hours per week.

Businesses will need to continue to identify those employees that JobKeeper is being claimed for and this will be extended to nominating the relevant amount which is being claimed for each employee based on hours of work.

•

From 4 January to 28 March 2021:

Turnover test

$1,000 per fortnight for those working 20 hours or more per week (on average) $650 per fortnight for those working less than 20 hours per week.

Businesses will need to show a continued decline in turnover to be eligible for the extension of the JobKeeper payment. The decline in turnover is:

Rate of JobKeeper

Eligible employees are those who were working in the business in the four weeks before 1 March 2020 (ie February 2020). The ATO will be provided discretion on alternative tests to determine an employee’s hours during the test period where the employee may not have been working, such as being on leave due to bushfires. Guidance will also be provided where employees are not paid on a weekly or fortnightly basis. All other criteria to determine the eligibility of an employee is unchanged.

Currently, JobKeeper is a flat rate of $1,500 per fortnight. It will continue to be paid to eligible recipients at this rate until the original end date of 27 September 2020. However, the extension of JobKeeper until 28 March 2021 will have two rates. The new rates will be: •

From 28 September 2020 – 3 January 2021:

• • •

50% for businesses with aggregated turnover of more than $1 billion 30% for business with aggregated turnover of $1 billion or less, or 15% for Australian charities and not-for-profit commission-registered charities (excluding schools and universities).

More information of Turnover test on the Find Accountant article or you can click here.

INSURANCE

HELPING TO PROTECT YOU AND YOUR FAMILY At Find we can help you find the ‘right’ personal insurance. Our aim is to help you obtain and retain the personal insurances that are appropriate for you and at cost that you can afford.

Personal Insurances Include: • Income Protection (IP) • Life Insurances or Death Cover • Total and Permanent Disability (TPD) • Trauma Insurance or Critical Illness Insurance • Business Expense Cover • Child Trauma Cover When your insurance are in place, our services do not stop there. We will provide you with an after care service that includes policy notifications, insurance report, help desk, reviews and help at claim time.

We provide ourselves in providing honest advice that you can rely on.

CONTACT 1300 88 38 30

www.findinsurance.com.au

Warren@findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134

Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Clearview Financial Advice Pty Limited ABN 89 133 593 012 No. 331367

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

FIND LOCAL COUPONS Support your Local Not-for-Profit

COFFEE

DINING

TAKEAWAY

BREKKY, BRUNCH & LUNCH

ENTERTAINMENT

TRAVEL

See Page 55 for more info about Find Coupons AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

How to Make a Cloth Mask

Mortgage Brokers Melbourne Award-wining mortgage brokers in Melbourne with established relationships with multiple leaders, a slick process process and a bucket of relevant experience.

OUR SERVICES • Refinancing • Home Loan • Buying your First Home • Investing in Property • Car Loans

0401 272 505

lee@fidget.com.au

www.fidget.com.au PO Box 633, Geelong VIC 3000 Level 20,31 Queen Street, Melbourne VIC 3000

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

Victorian VCE Coronavirus Assesment to be based on individual Circumstanaces By Elspeth Kernebone

THE effects of COVID-19 on year 12 students will be reflected in each of their individual final scores. The state government declared extra support for vulnerable students after another 450 COVID-19 cases were announced on Friday. Eleven more people have died from COVID-19 since Thursday, including a woman in her 50s. Others included two men in their 70s, three women in their 80s and two in their 90s. Seven of these deaths were connected to aged care. The state government announced individual consideration for all students completing their Victorian Certificate of Education on Friday. Every student will be individually assessed about the adverse effects of coronavirus, which will be reflected in their ATAR ranking. Consideration will take into account factors such as school closure, illness and extra family responsibilities. Education Minister James Merlino said the change put students across the state on a level playing field.

Meanwhile, Premier Daniel Andrews said about 1000 of 1150 people doorknocked on Thursday were found at home. Mr Andrews said 60 teams visiting 1150 homes was the biggest single day effort yet. He said joint Australian Defence Force and Department of Health and Human Services teams had conducted more than 5000 home visits since July 22.

More than 1500 cases have confirmed in healthcare workers.

been

Another 66 cases are considered â&#x20AC;&#x153;mystery casesâ&#x20AC;? where health authorities could not find the source of infection. About 1550 cases are connected with aged care. As of August 7th, A total of 7637 COVID-19 cases are currently active.

For Light Amusement in Times of Stress:

AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

JobKeeper - A newlifeline to those affected by Stage 3 & 4 ACCOUNTANT

•

By Warren Strybosch

A new lifeline has been provided to the thousands of people in Victoria who have lost their jobs due to the next level of restrictions. Treasurer Josh Frydenberg has announced that the government will commit an extra $15.6 billion towards the JobKeeper scheme. His previously announced JobKeeper changes will be softened, in the hope that this will help Victorians through this difficult time. Some of the changes: •

Business now only have to show a fall in turnover in the September quarter compared with a comparable period in 2019. Previously, the business was going to have to show a decline in turnover in June and September quarters to qualify after 28th of September. This will help those business who had gotten back on their feet after the first lockdown only to find themselves facing even greater difficulties e.g. being forward to close, during the second lockdown since 5th of August.

•

After the 4th of January 2021, businesses and not-for-profits will have to show a fall in the December quarter compared to a comparable period the year before instead of having to demonstrate a fall in turnover in each of the June, September and December quarters to access the payment. Business with staff, can claim for JobKeeper if they had staff on the books prior to 1st of July. Previously, the business had to demonstrate they had staff on the books prior to 1st of March 2020.

The changes will apply nationwide, and will cost the budget $15.6 billion, with the vast majority (around $13 billion) of the expansion expected to go to businesses in Victoria given Melbourne’s second lockdown.

ever undertaken in terms of economic support.” Prime Minister Scott Morrison told 2GB radio’s morning program on the 7th of August: ‘“[This is about] saving lives and saving livelihoods. The JobKeeper program is there when the virus hits and it’s hit hard in Victoria in particular. I mean, these changes apply right across the country, by the way, not just in Victoria. There’ll be some additional people who get access to it, we expect in other states and territories, but it’s principally Victoria.” He continued: “It takes the total bill now over $100 billion dollars. But it’s been one of the most successful programs of its kind in the world.”

The move takes the original $70-billion package to over $100 billion.

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

Treasurer Josh Frydenberg commented: “It’s a very substantial commitment. We’re now going to have JobKeeper at $101 billion, the single largest program that any Australian government has

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

info@findnetwork.com.au

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

Bookkeeping Solutions - Covid-19 Era BOOKKEEPING By Roy Emmett

•

My discussion is about bookkeeping and the benefits to small businesses engaging an appropriate bookkeeper now and for the post COVID-19 business environment. My view is to consider engaging a suitably qualified and experienced bookkeeper if you are feeling vulnerable and disorientated about your business from your COVID-19 experiences. Yes, there are some businesses that have been decimated from the shutdown and have no choice in the outcome and may not be able to afford the cost of a suitable bookkeeper, but if you feel your business is surviving and the future looks positive think about the following benefits an experienced bookkeeper may bring to you and your business.

1. In times of stress, sometimes the first thing that goes in meltdown is the business’s record keeping. Often the business owner leaves this to last on the “to do” list but it doesn’t become an urgent priority. A qualified and experienced bookkeeper in the background of your business can help solve this. 2. For a small business to survive, cash flow is the lifeline. Does your business need help collecting invoice payments from your business’s

customers and ensuring there are sufficient funds available to pay wages and supplier invoices? Again, a qualified and experienced bookkeeper in the background of your business can help solve this. 3. Communicating your business needs to a qualified and experienced bookkeeper has become so much more flexible. Most businesses now use a cloud-based software that can be accessed remotely by a bookkeeper and face to face communications don’t have to be in the same physical space thanks to technology like Zoom and Microsoft Teams plus numerous other face to face options via the internet. 4. A qualified and experienced bookkeeper can help you make the decision as to what cloudbased accounting software to use for your business. There is a lot of different products in the market now so selecting the right cloud-based accounting software is a critical decision to get right. 5. In selecting an appropriate bookkeeper, you may want to tap into the experience of trusted customers and/or suppliers to find out what processes for bookkeeping they use to help run their businesses. Getting a “word of mouth referral” from a trusted source can often take away some of the fear of engaging a bookkeeper, particularly if you are letting go of the business’s record keeping for the first time.

6. Finally, when your business has reached a point where you and your business need support with keeping the business records in order and current, think of the stress that will shift from your outlook with an appropriately qualified and experienced bookkeeper in your business that looks after you as if the business is theirs. Engaging a bookkeeper that is a good fit for your business can save money in the long run as the business owner can focus on the business and generate more revenue that helps the business and covers the cost of engaging a great bookkeeper. Thank you for taking the time to read my article and above all, stay well and strong as the business community continues to deal with COVID-19 lock down.

Roy Emmett Bookkeeper Business Management Geelong 425721939 roy@businessmanagementgeelong.com.au

AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

END OF FINANCIAL YEAR 2020 REFLECTIONS FINANCIAL PLANNING By Chris Carlin

Celebrating another 30 June with delicious treats from our good friends at Moo Mouth Coffee in Geelong June is always the busiest month for financial planners and this was no exception. 30 June is always like the finishing line for financial planners and many will be taking the day to celebrate and reflect on the financial year it has been. For Master Your Money Now, it has been nothing short of incredible: -

Business has grown by over 70%, bringing the total number of members to 48 (if I count couples as two clients it increases to 74)

Awarded AFA Rising Star Of The Year and toured around Australia talking about my journey with mental health to over 1,000 of my financial planning colleagues (more on that below)

Shortlisted for Financial Standards top 100 financial planners in Australia

– Advised clients to invest in March at the bottom of the market, jury is still out but it is looking to be a great investment recommendation so far

Successfully completed just shy of $1,000,000 in insurance claims across four different clients and six policies

Continuing to help my mainly millennial client base to increase their incomes, understand super, protect their loved ones, buy their first home and build wealth so they can retire earlier and with more

Finished my Diploma of Mortgage Broking

Awarded Infocus Rising Star

Lost count of the media interviews and podcasts

Grew the greatest iso ginger beard in history (in my humble opinion, wife doesn’t share my views on this…)

It has been a brilliant twelve months and firstly I must say a massive thankyou to all who have contributed, whether it be members, mentors, colleagues, friends and family, but above all else thankyou

to my gorgeous wife Natalie who remains the greatest supporter one could ever ask for. However, like a lot of you I have felt the strain of COVID and the mental pressures it has applied to all of us. I have had sleepless nights, heightened levels of stress and overwhelm and times where it has quite frankly got too much to handle. I don’t share this looking for sympathy, I have learnt to be grateful for the problems I have and I know plenty of people are far worse off than I am. I also have built an amazing support structure around me who help me manage my “ebbs and flows”. I share this because I know that a lot of people feel very lonely and isolated when it comes to mental health. This was reconfirmed when sharing to my

financial planning colleagues in February and also speaking to my clients and friends during COVID. Everyone has been impacted by this virus and there is no doubt we all need one massive holiday to reset and recollaborate (but alas that option is looking unlikely in the short term). You are not alone. You are not the only one struggling through these unprecedented times. You are not the only one on the verge of breaking point. You are not alone. There is a saying in business which states that “entrepreneurs are at their best when their backs are against the wall”. Personally I think this extends to everyone. I also like to quote “the ninth beattitude” which is “blessed are the flexible for they will bend and not break”.

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

My final quote is from legendary entrepreneur and motivational speaker Jim Rohn who said “don’t wish it was easier, wish you were better”. I have no doubt those who come through this will be stronger, smarter and more resilient than ever before. I remain very positive about 2020s as a decade and believe it will be a decade of great growth and prosperity. As the founder, financial planner and mortgage broker at Master Your Money Now, I’m looking forward to growing another 70% next financial year and helping more people build wealth so their money works hard for them, not the other way around. We always have room for one more member (that’s you reading this!) But personally, I just wanted to send out one great big virtual socially distanced hug and remind you that you are not alone, you will get through this and your best is yet to come! Love you all like a fat kid loves McDonalds! P.S. Feedback on the beard is highly sought out in the comments below!

If this is a topic that you would like to discuss in more detail, please go to www.MasterYourMoneyNow.com.au/ getstarted to book in your complimentary 30 minute strategy session. If you want to know more about Master Your Money Now, go to www. masteryourmoneynow.com.au and follow Master Your Money Now on: Master Your Money Now – Facebook – www.facebook.com/ MasterYourMoneyNow.Com.Au/ Master Your Money Now – Instagram – www.instagram.com/ masteryourmoneynow Master Your Money Now – LinkedIn – www.linkedin.com/company/ masteryourmoneynow/ Master Your Money Now – YouTube – www. youtube.com/channel/UC7ulBKKq3igAPWzhNmerNQ

Disclaimer: This information is general information only. You should consider the appropriateness of this information with regards to your objectives, financial situation and needs. Past performance does not guarantee future returns. Chris Carlin is an Authorised Representative (No. 1235031 for financial services and No. 514748 for credit) and Master Your Money Now Pty Ltd ABN 65 627 229 681 is a Corporate Authorised Representative (No. 1265677 for financial services and No. 514747 for credit) of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523

Chris Carlin Financial Planning Master Your Money Now 1800 734 225 admin@masteryourmoneynow.com.au

Liked this article? Share it with your family, friends and work colleagues!

Special Tax Return Offer

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

1300 88 38 30 Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

HOW TO ROCK COMMUNICATION WITH YOUR REMOTE TEAM! RESILIENCE COACH By Sally Higoe

You’d be excused if you were still scrambling around working out how to effectively manage your virtual and remote teams to get the most powerful result. Many leaders and managers were thrust into this environment within a very short space of time and for a lot, it’s been trial and error. The great news is that if your remote team is set-up and managed in the right way, research shows that they can actually out-perform an in-house team. The key point here is that its unreasonable (and irresponsible!) to assume that you can just disperse your group of talented people and hope for the best! A few years back, remote teams were quite foreign and even considered strange but as internet connections have strengthened and software for video conferencing has improved in use and functionality, this style of working is now quite typical. As this norm increases (even BEFORE COVID roughly 32% of workers in Australia were regularly working from home – as stated on the abs.gov.au site) more and more Companies are seeing the benefits and forming remote working teams. As this ability to work from all different locations, collaborating on projects and initiatives provides flexibility, it also requires leaders to support their people in a much different capacity to the norm. Whether your team is 100% virtual, partially virtual or overlapping in hours or days of work, it’s likely your working environment and relationships have been affected. Communicating what was once simple, now requires more effort and thought. Luckily, understanding Extended DISC can help you to understand your teams needs and wants. If you are familiar with Extended DISC profiles for your in-house teams, then you know how helpful it is to be able to support and encourage your people in the way they need. But what about for remote teams? Are these profiles as important seeing as the majority of tasks are performed alone?

Yes. They are critical – that is, if your goal is to create a team of self-leaders, set them up for success and to set you all up to reap the rewards. A DISC profile clearly shows you the natural, preferred style of your individual team member (or, if you have a team profile, you will also understand the team preference overall, how each member works with and bounces off each other and where the gaps are that must be filled).

When you understand your teams DISC profiles you’re able to tailor EVERYTHING to meet their needs – from projects and tasks to workstations, working partners and required support. The profiles give an insight in to your people’s skill sets and their natural behaviours – identifiers such as their strengths, stretches, how they perceive others, are perceived, what makes them tick, how they like to be motivated, inspired and challenged (if at all!). The knowledge gained from a DISC profile can be the differentiating support tool that takes your team from ‘here’ to next level. Significant factors like knowing which of your team members can handle the isolation aspects and how much support and contact they need and expect from you to complete their role, will enable you to know where to focus (and how much!). Knowing what to offer your team is essential if you want a successful remote program. Tips to effectively identify and support the DISC Profiles: • D Styles are your assertive high achievers, visionary and natural leaders. They are likely to stay on task and get things done. D Style workers want to be heard and thrive on competition. Ensure your D Style people have the space to share their achievements and opinions. • I Styles are your charismatic relationship focused workers. They typically have high Emotional Intelligence but may get easily distracted, even scatter brained under pressure. They do like to be around people and are the most likely to struggle with working remotely. Ensure you keep in touch with your I style people with messaging apps such as Slack (just don’t be surprised by the amount of chatter coming

through these channels) and help to keep them focused and on-track. •

Remote work is most suited to your S Style workers, especially if they are working at home with friends or family. Typically, they are your reliable workers who stay on task and follow instructions. They want to be comfortable but do not like instability. Ensure you offer them enough support to cope with the change in working environments.

•

Your C Style workers are your analytical, precise, logical team members. Ensure you provide them with very detailed emails, so they know the tasks they need to accomplish and how to perform them. Check-in regularly with your C Style people so they can ask questions and discuss their concerns.

If you’re interested in discovering more about your teams individual or group preferences, please get in touch.

Sally Higoe The Resilience Coach The Resaliantce Method 438963718 sally@theresaliantcemethod.com.au

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

GEELONG’S RENTAL MARKET REMAINS STRONG REAL ESTATE RENTALS By Warren Rapson

It’s almost impossible to not mention the pandemic with lock-down in Melbourne and mandatory masks in Regional Victoria, however, the latest REIV data does tell a tale of two cities. Let’s start with the vacancy rate. Inner Melbourne has increased to 3.2% vacancy with the Melbourne region as a whole sitting at 3.0%. This is a record high. Geelong, on the other hand, has actually dropped to 2.3% - pre-COVID our vacancy rate was 2.2%, so Geelong is proving to be VERY different to Melbourne. Why? Geelong is very insulated from the lack of the student and temporary population that makes up inner Melbourne and we also feel that with less population in general, and therefore less COVID cases, people in Geelong have more confidence to conduct normal real estate transactions. And there is more good news - our region’s rental prices are again healthy and stable. 2 bedroom houses and units

are sitting at the same median rent as last month, both at $330 per week whilst 3 bedroom houses have increased by $3 and now sit at $383 per week. Pre-COVID our rents were slightly rising, but it is great to see stability over decrease which our cities are seeing in both rental and sale prices. “Geelong’s market is strong.” And it isn’t amazing that we can say that. We are very lucky to call G-Town home and we personally know people and other agents in Melbourne who are envious of our city including a one or two who are now looking to re-locate because of our social media marketing! With the rental market strong and business-as-usual in our office, we’re actively looking for more landlords to join us, so if you or someone you know has a rental property, please let us know. Even if you just want to get an idea of the correct rental price of your property, we can appraise your property over the phone anytime. It’s amazing what a fresh appraisal can turn up, especially if

you haven’t reviewed your rent for a few years. Until next month, wear your mask outside your home and stay safe.

Warren Rapson Real Estate Rentals Geelong Property Managers 0418 582 309 warren@geelongpm.com.au

Watch Here Geelong Property Manages

AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

ISO, It just keeps going and going and going EDIBLE BOUQUETS

By Tk Saunders

So here we are, still in Iso still celebrating all those special days in a very very different way than we are used to, it’s unfortunate that special days are being passed with a minimum of fuss, I am a very firm believer in celebrating each and every birthday, I just love birthdays! There’s nothing better than celebrating a day that some one special arrived earthside! So with that being said I absolutely love my job! I get to drop in and drop off amazing bouquets to people celebrating their birthdays or special occasions such as wedding anniversaries, babies arriving or being announced, mothers day, fathers day and for when someone just wants to say thankyou or hi, any special day you can think of we have a bouquet,and we get to drop this beautiful bouquet off and take away a little of that person’s special day with us the smiles and the wonder and the gratitude what’s not to love! We also have bouquets for the sadder occasions when you just want to send a treat to just say I am sorry and I am thinking of you. With us all being stuck in lockdown and Marie and I are still able to work and deliver ( for which we are truly grateful) we are loving our jobs even more as we actually get to spread a bit of cheer, we have had quite a few special requests this month, I will leave you all with a picture of this awesome bouquet here, it was for a 20th ISO birthday, Tommy’s mum requested all his favourite things, Burger rings, Cherry ripes, Coke, Royals (choc biscuits) maltesers and tv snacks, boy it was a bit of a challenge but that’s what i love with special requests, and I must say I was pretty happy with th result, so too were Rachel (mum) and Tommy,

Last week I also had a special request to add choc strawberries and ferrero rocher to a meat and cheese bouquet, I was a tad concerned the strawberries would end up tasting like meat apparently they were still super yummy and didn’t taste like a chunk of salami so bonus! So as a little bit of general cheer we have decided if you see this article and mention it while ordering we will give you a $5 discount on your order. You can order via our facebook page (Bliss Bouquets), instagram (blissbouquetsmelbourne) or call 0487823523, our website is on hold until restrictions allow us to meet with our designer.

Just want to take a moment to thank all of our frontline workers, police, emergency services, nurses, doctors, carers, checkout operators and well just everyone! Thank you! Lets all remember this will end if we all work together, be kind to one another. As always stay safe out there people! Stay cool much love Tk and Marie! Bliss Bouquets, the flavour of extraordinary.

Tk Saunders ---- Edible Bouquets ---

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

Why Financial Wellbeing is a Pillar of Good Health Money and Life (Australian Associated Press)

Much like exercise and eating well, your financial wellbeing is key to living a happy and healthy life. So what is financial wellbeing and how can you improve yours? Financial wellbeing is often overlooked as one of the pillars of good health, but it’s every bit as important as your physical, mental and emotional health. Poor financial health has been linked to a range of nasty side effects like stress, depression, anxiety, sleeplessness, relationship break-down, drug and alcohol use to name a few. Yikes! Good health is often about balance. Getting on top of your financial wellbeing can certainly relieve stress and give you the time and money you need to balance all aspects of your health.

What is financial wellbeing? When we talk about financial wellbeing, what do we mean?

levels of confidence in managing money and substantial amounts of savings, investments and superannuation.” Around 40% (or 7.4 million Aussies) fell into the category of “doing ok”. They described their situation as “fair” or “good” and were relatively confident about the next 12-months. A further 23% of respondents (around 4.4 million people) were just getting by, while the remaining 13% (2.4 million people) were considered to be “struggling”.

More than just earning an income, financial wellbeing is about having financial security and the freedom to make choices. There are three interrelated aspects to good financial wellbeing: 1. The ability to meet your expenses and have money left over. 2. Feeling and acting in control of your finances. 3. Being financially secure and not needing to worry too much about money. It’s considered normal for your financial wellbeing to vary over the course of your life. This is particularly true during major life events such as moving out of home, having a baby, changing jobs or retiring. Unexpected financial shocks can also have a big impact on your financial wellbeing.

How fit are our nation’s finances? The Financial Wellbeing Australia report (2018) describes four categories of financial wellbeing. Around a quarter of all respondents (extrapolated to 4.5 million Aussies) were classed as having the highest level of financial wellbeing. That is, “no real financial worries… high

How can I improve my finances? Developing good financial habits will help you improve your financial health over time. That includes: • • • • • •

Having a budget or spending plan. Making regular cash savings. Building an emergency fund of at least six months living expenses. Paying down debt and maintaining a good credit rating. Having adequate insurance. Building up enough superannuation to retire comfortably.

Related: How to save money Much like your physical and mental health, your financial health needs regular check-ups to stay in good condition. It’s really easy to conduct your own , or you can find a financial planning professional to help you. Related: How fit are your finances?

How can a financial planner help?

Think of your financial planner like your family doctor: as your partner in good health. Having the right financial planner on your team can help you navigate life’s ups and downs. A financial planner is able to support your changing needs at every stage of life. For example, in your twenties and thirties a financial planner can help you save, invest and plan for a family. They can help you consolidate and protect your wealth into your forties and prepare for retirement in your 50s, 60s and 70s. When you go to see a financial planning professional, they’ll look at your overall financial wellbeing and develop a plan tailored to your circumstances. Again, much like the family doctor, financial planning is an ongoing relationship, not just a one-off meeting. So look for someone that you feel comfortable with and can work with long-term. Related: Financial planning: Here’s how the process works There is really no wrong or right time to seek advice from a financial planner. The earlier you get started, the more time you have to benefit from their advice. Related: Financial counsellor or financial planner: What’s the difference? Taking the time to focus on your overall financial health and wellbeing has a range of positive flow on effects. Feeling financially secure brings peace of mind, allows you to enjoy your leisure time and fun activities and improves your overall quality of life. Speak to a financial planning professional about ways to improve your overall financial wellbeing. You can find a financial planner using our Match My Planner tool. AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

Health Must Come Before Travel

Daniel McCulloch & Matt Coughlan (Australian Associated Press)

Australians desperate to see family and friends interstate are being urged to let health authorities contain coronavirus outbreaks first. The Northern Territory could refuse visitors from some parts of the country for another year, while Western Australia warns its borders could remain closed for 18 months. Christmas in Queensland is also looking unlikely for anyone south of the border. The closures are creating immense stress for many families who live in different states and people with sick or dying relatives they cannot get to. Deputy Prime Minister Michael McCormack acknowledged it was an absolutely awful situation for many people. But he also urged people wanting to take interstate holidays not to get ahead of themselves. “The virus has to be contained and minimised,” Mr McCormack told the Nine Network on Wednesday. “State premiers and chief ministers have made the border closures to protect their own jurisdictions.”

Victoria has reported another 21 deaths and 410 new infections. The record number of deaths takes the national toll to 352. Growing virus clusters in Sydney and on the NSW south coast have forced the closure of more schools and businesses. Tasmania has recorded its first case in 20 days, a man in his 60s who returned from Melbourne after medical treatment. Meanwhile, the ACT chief minister has hatched a plan so Canberrans stuck at the Victorian border can drive home. Andrew Barr hopes the NSW government accepts his idea to let the stranded people travel under police escort with a short stop north of Gundagai. Hotel quarantine arrangements in Melbourne have created another flashpoint between the federal and state governments. Defence Minister Linda Reynolds has accused the Victorian government of rejecting repeated offers for troops to help with security.

Victorian Premier Daniel Andrews told a parliamentary inquiry Australian Defence Force personnel were not offered to the state government. But Senator Reynolds scotched his claims, saying Victorian authorities advised the federal government in late March no help was needed with hotel quarantine. Breaches in hotel quarantine are believed to be behind Victoria’s second wave, which has put the state into the nation’s harshest lockdown. Acting Chief Medical Officer Paul Kelly said the nation was still performing well internationally despite the tragic deaths. He said the average age of people who had died nationally was well over 80, with many victims aged in their 90s. “Our death rate within the total 21,000 cases we have had is extremely low and there have been very few cases outside of aged care,” he said. “It’s a tragedy to lose a loved one but really, there have been very few deaths in comparison to other countries.”

findgeelong.com.au

TRAVEL

AUGUST 2020 | FIND GEELONG

AFRICA BOUND

By Ainsley Soffe

I didn’t realise that the plane journey to Africa would be so…long. Being young and broke, I booked the cheapest flight, hence the stop-overs in Perth, Johannesburg and Harare before eventually arriving in Botswana. It was endless, arduous and exhausting. Next time I would listen to my travel agent. I had no idea what to expect. Naïve (and jet lagged), I got off the plane, met my guides and got my first true taste of Africa. The street signs weren’t like the ones at home! Elephants and Zebra signs replaced those of Kangaroo’s and Koala’s. “How cool”, I thought. Suddenly, we stopped. There, in front of our truck, was a herd of elephants crossing the road. A calf had slipped in a ditch and her mother and aunties were desperately trying to get her out. I was mesmerised. Soon enough I had checked into my hotel and attended a briefing that afternoon where I met the other people on our tour. It was a diverse bunch of people from all over the world, young and old, and I could not contain my excitement. The next day we set off on our 12-day camping safari. Each night we pitched the tints, while our guides set up kitchen and bathroom facilities. Our first day in Botswana was nothing short of brilliant. We saw lions teaching their young how to hunt and a migration of buffalo. We saw wildebeest, zebras, giraffes, and cheetahs looking for food, and warthog milling about. It was amazing. We moved on to Zimbabwe where we were fortunate enough to see a rhinoceros in the wild. I took a microlight flight over Victoria Falls where I could feel the sheer power of the water, and the spray on my face. I could see the animals from the sky and I remember thinking how tiny the elephants looked. It was breathtaking. We had planned on white-water rafting down the Zambezi river, but it had rained

and the river was high, so we canoed instead. There were crocodiles everywhere and we saw a baby hippopotamus (briefly; the mother wasn’t too impressed). We dined at the Boma Restaurant where we tasted game and observed a vast array of wild animals as we ate. We camped in the Okavango Delta. It was here that we were lucky to see a leopard sleeping high amongst the trees. Hyenas and vultures abounded, no doubt waiting for leftovers. One night we were woken by a noise outside the tent. Being curious, we ventured outside with our torches to find an elephant dining on branches just 10 metres away. I was spellbound. At 4am that morning, the jackals started to go crazy and we could hear the lions roaring. Our guides ran around the camp waking everyone up. “The lions have a kill”, they said. “Quick, come”. Sure, enough the lions had managed to get a zebra overnight and we found them finishing their feast. We headed to the waterhole to wait. Before long, the lions were on their way.

We were close enough to hear their slurping as they washed down their dinner. The sun was rising and I knew we were in for another memorable day. Each day, without fail, I had extraordinary and numerous experiences as I made my way around Africa. Watching the sun rise sitting atop Victoria falls was a particular highlight. I could literally go on forever but one thing I will say is that if Africa is not on your bucket list, it should be. Africa is, without a doubt, one of the most spectacular places I have ever been to. Whether it be camping or luxury, there is something for everyone and is definitely worth a visit. Ainsley Soffe is the travel columnist for Find Geelong. Deluxe Travel &amp; Cruise is a boutique agency and Ainsley works in Geelong. You do not have to live in Geelong to use her services and she can be contacted on: 1300 292 496 or ainsley@deluxetravelandcruise.com. au

Ainsley Soffe DELUXE TRAVEL & CRUISE (GEELONG) https://deluxetravelandcruise.com.au/

Keeping quiet, we watched as one by one they crept out of the bushes and made their way down to the waterhole for a drink.

AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

Know Your Legal Structure - Not for Profit ATO www.ato.gov.au

When setting up an NFP organisation, it is important to choose an appropriate legal structure as it will affect: • • • • •

the way you hold meetings the minimum number of members reporting requirements tax obligations cost and other considerations.

When choosing a structure, make sure you understand the responsibilities that go with that structure. Your legal structure will affect many things, such as its legal identity (whether it can be sued), its governance structure (who makes what types of decisions), where it operates, who is liable for its debts, and its specific responsibilities, such as what its reporting or other compliance obligations are.

• •

You may want to seek professional advice to help you to make an informed decision.

•

You need to consider

•

• •

Where will the NFP organisation operate? Will there be a changing of membership?

•

What is the nature of the activities? How will the organisation raise money? What will be the size of your NFP organisation or charity and how complex will its activities be? Will you have employees or volunteers? What accountability will you have to your members and the community?

• • • • • •

Unincorporated association Incorporated association Company Cooperative Indigenous corporation Trust

See also: • Overview of legal structures • ACNC – Legal structure

Different types of NFP legal structures include:

Tax Savings Seperate From Income: Report Colin Brinsden (Australian Associated Press)

As the Morrison government mulls over possible tax changes to help lift the economy out of its first recession in nearly 30 years, tax experts have called for a change in the way savings are taxed. In a new report, the Tax and Transfer Policy Institute at the Australian National University urges the government to consider a dual tax system where savings are taxed at a low rate and separate from taxes on labour income. “As review after review has shown, Australia’s current approach to taxing savings is a mess at best and a serious driver of intergenerational inequality at worst,” the institute’s Professor Robert Breunig says. He said some savings tax arrangements are progressive, taxing higher incomes more heavily, but some are are regressive, favouring the old while being punitive for the young. “Our current tax arrangements are inefficient, inequitable and distort the

flow of savings across our society and economy,” he said. “The system is complex and encourages Australians to engage in costly tax planning schemes.” “Our current tax arrangements are inefficient, inequitable and distort the flow of savings across our society and economy,” he said. “The system is complex and encourages Australians to engage in costly tax planning schemes.” The report says most types of savings should be taxed at a low rate and independent of the tax rate on income from other sources. “The taxation of savings is politically contentious with strong lobby groups defending particular savings arrangements, whether that is the untouchable nature of owner-occupied housing dividend imputation or superannuation concessions,” Prof Breunig said.

The report calls for the replacement of dividend imputation with a flat tax rate on dividends, removing stamp duties, which significantly distort decisions about when to move house, and including owner-occupied housing in means tests for pensions. “This might seem radical. But in reality the reforms are reasonable and would bring us closer to the optimal tax system Australians deserve and this nation needs,” Prof Breuing said.

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

Wage Subsidies Set To Become Tiered System By Matt Coughlan & Paul Osborne (Australian Associated Press)

The JobKeeper wage subsidy will remain in place until September before being split into two tiers. The Morrison government was due to announce details of the changes to the support on Thursday, but has brought forward the decision to Tuesday. It is understood the new version of JobKeeper will mirror the part-time or fulltime hours recipients worked before the coronavirus pandemic rather than a flat $1500 a fortnight. The revamped scheme will mean businesses benefiting from the subsidy will get several months to adjust to the second phase. The JobSeeker dole payment that was doubled to help the jobless get through the pandemic will remain as it is until September but then switch to a lower rate, but will be more than the former Newstart payment. The government is also set to release details of a review of its coronavirus supports. Prime Minister Scott Morrison says businesses would get several months to adjust to the next phase of support. “It will be targeted, it will be temporary, it will be effective as the first round has been,” he said in Sydney. “We do know this first round has been very important … (for) almost one million businesses, around 3.5 million employees, and there is still two months to go on the current set of arrangements.” Treasurer Josh Frydenberg said the initial design of the program was based on getting money out as quickly as possible. But he said one of the outcomes had been some people under the program received more money than they had been earning before the pandemic struck. He said aviation, tourism, arts and hospitality were sectors that would need

help beyond September. Businesses will also face tighter eligibility tests, scrutinising changes in revenue. Under the existing scheme, companies turning over less than $1 billion with a 30 per cent fall in revenue are eligible. Firms turning over more than $1 billion must show a 50 per cent decline. Businesses that met the revenue test at any stage during the pandemic qualified for the payments for each employee. Labor frontbencher Tony Burke said JobKeeper needed to be better targeted through retesting businesses and tapering payments. “There’s been a reasonable amount of waste and lack of targeting in how the government handled it first time around,” he told ABC radio. But the opposition is refusing to nominate a set figure for JobKeeper or JobSeeker, which has been temporarily increased to $1100 a fortnight.

Mr Burke said the dole should not return to its old rate of $560 a fortnight. “It needs to keep people out of poverty, $40 a day is not enough to live on,” he said. Left-leaning think tank The Australia Institute has released modelling showing more than half a million Australians would be thrown into poverty if JobSeeker is returned to its former rate. “This will not only have serious negative social effects for decades to come, but makes terrible economic policy by effectively withdrawing much-needed stimulus,” institute executive director Ben Oquist said. Mr Morrison said government support packages had prevented people falling into poverty. “It is still tough, it is extremely tough out there. But at a time like this, I think all Australians will be pleased they’re in Australia and nowhere else.”

TRADIES - FREE ADVERTISING Email your artwork to info@findnetwork.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.findgeelong.com.au/graphic-design/ to upload your details and we will create this for you. The Dimensions of the Ads are:

53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

Workers Could Get Access To Pandemic Leave By Matt Coughlan

(Australian Associated Press)

The Morrison government is considering providing paid pandemic leave to workers in a bid to curb deadly coronavirus outbreaks. Scott Morrison confirmed he spoke with Industrial Relations Minister Christian Porter about pandemic leave in recent days. “Those discussions are continuing and when they are completed we will make some announcements,” the prime minister told reporters in Canberra on Wednesday. The Australian Council of Trade Unions on March 11 called for two weeks’ paid leave for all permanent, casual and contract workers forced to self-isolate because of the pandemic. There have been major concerns people with the virus attended work because they couldn’t afford the financial hit from staying home. About 80 per cent of Victoria’s new infections since May have been linked to workplace transmission. The Fair Work Commission earlier in the week ruled all residential aged care workers including nurses were entitled to two weeks’ paid leave.

But unions argue the issue goes further than one sector, with more than three million workers lacking sick leave entitlements. The Greens want to pass legislation giving employees access to special pandemic leave in the August sitting of parliament. Greens leader Adam Bandt has written to Mr Morrison urging the government to support the private bill. “It’s going to be essential to not only containing the spread in Victoria, but preventing further outbreaks in other states,” Mr Bandt told AAP. “Some employers may find it difficult to meet the cost of that paid sick leave so we’re calling on the government to step in and meet the cost.” He said the money could be drawn from the government’s $60 billion underspend on the JobKeeper wage subsidy scheme.

“The system is working relatively well at the moment in terms of coping with that scenario where people have to be selfisolated for a period,” he told 6PR radio. Labor’s industrial relations spokesman Tony Burke said the opposition had been calling for pandemic leave for 141 days.

“This is talking about filling a gap for somewhere around a third of the workforce,” Mr Bandt said. “The rise of insecure work is fuelling this crisis.”

“There is no excuse for this delay. The government must act immediately. It should have acted on this in March,” he said.

Mr Porter said the government was “keeping a watching brief” on the issue.

“Without pandemic leave, many will continue to turn up to work when they’re sick or should be isolating.”

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

Treat Virus Masks Like Underwear: Expert By Christine McGinn and Ulises Izquierdo

(Australian Associated Press)

Victorians are being urged to treat their face masks like underwear amid a mad dash for supplies. Swinburne University of Technology dean of Health Science Bruce Thompson tells AAP that the same rules for undies should apply – have many and/or wash often. “Assume your mask is like underwear. So don’t take it off in the middle of public. Don’t fiddle with it in the middle of public, don’t share them with somebody else,” Professor Thompson said on Monday. “The concept of actually taking your underwear off in public and putting them on a kitchen bench is horrible – but that’s effectively what you are doing.” He recommended having six to 12 masks ready for use on rotation, just as a person would with underwear. “Masks are important and they are basically another tool in the armoury,” Prof Thompson said. “The only way for the virus to actually spread is it has some form of human-tohuman contact, either direct touching or via a droplet or something like that because someone is in very close proximity to them.”

Volumes over the past seven days have been 63 per cent above the previous weekly peak in mid-March. This online interest has translated into some shops running out of stock across Melbourne. Retail store Chemist Warehouse said the demand for masks was unprecedented and “many stores ran out of the healthy stocks they had in place” on Sunday. But the pharmacy chain said there was no need to rush, as more stock was to arrive in stores by mid-Monday. Bunnings merchandise director Phil Bishop told AAP their stores were “wellstocked”. But the hardware company has placed a limit of a pack of 50 face masks per customer to help ensure all customers have access to stock. HOW TO WEAR A DISPOSAL MASK: •

Wash hands with soap or sanitise hands

•

Put the mask on your nose first with the metal at the top

•

Push around the edge of your nose, down side of cheek

•

Grab the loops and put over your ears

•

Do not touch your mask while it is on your face

•

When taking it off, be careful not to touch the front of the mask. Place it in the bin. If reusable, wash or place in a plastic bag ready to wash when at home

•

Wash hands with soap or sanitise hands

WHY ALL THE EFFORT? •

“As soon as you put a mask on, you have made the inherent assumption that there is virus all over it. Therefore, when you take it off you will potentially infect your fingers and that can spread the virus. You need to sanitise or wash your hands before you put it on, as well as after you put it on.”

Source: Professor Bruce Thompson

The positive test rate in Victoria on any given day is about one per cent, which equates to three times the national average, he added. The run on masks comes as authorities confirmed face coverings or masks would become mandatory in public across metropolitan Melbourne and the Mitchell Shire from midnight on Wednesday. Although scarves and bandanas will be accepted as face coverings, the demand for surgical and reusable cloth masks spiked overnight. Google data showed search interest for “face mask” grew to a new high this week, peaking sharply around midday on Sunday. The interest value in Google shifted from zero early on Sunday morning to 100 by 2pm. AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

Click for Home Delivery is back! What is it? Click for Home Delivery is a postal service that allows you to keep on borrowing from the library under Stage 3 stay-at-home restrictions. A box of library items will be delivered to your address by courier. If you’re not a member and would like access to our services, join here.

How do I get started? You can place hold on items you want, or ask the library to make a selection for you, by logging into your account on the catalogue, phoning your local branch or 1300 737 277. You will need your library card number and PIN to place hold through the online catalogue. If you don’t know your PIN, rest it here.

How often can I borrow? Each member cvan request one delivery every 3 weeks. We will fill all boxes that are sent out. If there is room, library staff will include other material based on your request or we will make a selection for you. It may not be possible to include all your request in one box; we will do out best.

Whan will my package arrive? Depending on where you live, your parcel will be delivered by courier or Austarlia Post eParcel service. If your parcel is being delivered by courier, we will email you the day before it will be delivered. If you have already a box, you can place items out or return using the supplied return sticker. Unfortunately, we can’t tell you when your parcel will be delivered if it is sent via Australia Post.

How can I speed up the process? If you place holds on items that are on shelf at your usual library, these items will be picked, processed and sent with little delay. Items that are on loan, in transit or available at another branch may be subject to delays.

How do I return my items? Please return your items when you are able. You may be able tyo return via the courier service if you request a further delivery. Our library returns chutes are open 24/7, but please only return items if you leave home for one of the four allowable reasons. • • • •

Shopping for food and supplies Care and caregiving Exercise Study and work

Learn more

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

In these unsettled times, it’s comforting to know that we can still keep reading! • The digital library is always open – read, listen, watch or learn 24/7 • Enjoy over 100 storytime sessions on our Youtube channel along with Boredom Busters, Cooking demonstrations and more! • You can also view videos on our Facebook page • We will continue offering Click for Home Delivery for those in need Our heartfelt thanks for your continued support and kind words. Please stay safe and well. We look forward to welcoming you back at the library in the future.

More Info

Download an eAudiobook now

AUGUST 2020 | FIND GEELONG

FIND GEELONG | AUGUST 2020

findgeelong.com.au

US Hails Aussies For Not ‘Bowing’ to China Peter Mitchell, AAP US Correspondent

(Australian Associated Press)

US Secretary of State Mike Pompeo has praised Australia for standing up to China despite “coercive pressure from the Chinese Communist Party to bow to Beijing’s wishes”. Mr Pompeo and US Defense Secretary Mark Esper met with Australian Foreign Minister Marise Payne and Defence Minister Linda Reynolds in Washington DC on Tuesday for the annual AustraliaUnited States Ministerial Consultations. The US and Australia committed to pursue increased and regular “maritime cooperation” in the South China Sea and deepen defence science technology cooperation on hypersonic, electronic warfare and space-based capabilities. “We started this morning by talking at length about the Chinese Communist Party’s malign activity in the Indo-Pacific region, and indeed all around the world,” Mr Pompeo said at a press conference. “The United States commends the Morrison government for standing up for democratic values and the rule of law despite intense, continued coercive pressure from the Chinese Communist Party to bow to Beijing’s wishes.

“We stand with our Australian friends.” “It is unacceptable for Beijing to use exports, or student fees as a cudgel against Australia.The US and Australian delegations agreed to the potential expansion of US Marine rotational force joint training exercises in Darwin to include additional partners and allies. The US and Australia also intend to strengthen supply chains by establishing a US-funded commercially operated strategic military fuel reserve in Darwin. Ms Payne said Australia has no intention of injuring its relationship with China. “We are very different countries, we are very different systems, and it’s the points on which we disagree that we should be able to articulate in a mature and sensible way,” Ms Payne said. Ms Reynolds and Dr Esper signed a statement of principles on defence cooperation and force posture priorities in the Indo-Pacific to drive Australian-US shared interests for the next decade. “This includes hypersonics, electronic warfare and space-based capabilities,” Ms Reynolds said.

Ms Reynolds confirmed freedom of navigation and overflight in the South China Sea was discussed and Australia’s “long history of transiting through the region” will continue. “Our approach remains consistent,” Ms Reynolds said. Dr Esper did not specifically answer when a journalist asked if the US and Australia discussed deploying additional US troops or intermediate range missiles on Australian soil. “We had a very wide ranging discussion about the capabilities that the United States possesses and the capabilities Australia possesses, and our desire to advance them whether they are hypersonics or any other type of capability,” he said. “And I think it’s important as we think forward about how do we deter bad behaviour in the Indo-Pacific and how we defend the international rules based order, in this case specifically with regard to China.” Ms Payne and Ms Reynolds will undergo 14 days of quarantine when they return to Australia in case they picked up COVID-19 during the AUSMIN trip.

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

Cost of Living Driven Down During Pandemic Katina Curtis, AAP Senior Political Writer

(Australian Associated Press)

Free childcare and cheaper petrol have driven the cost of living in Australia backwards for only the third time on record. The record 1.9 per cent fall in the consumer price index across the June quarter adds to a picture Prime Minister Scott Morrison says everyone should recognise as the negative impact of the coronavirus pandemic on the economy. The Australian Bureau of Statistics reported the annual inflation rate at -0.3 per cent. It’s the first time in 22 years the annual rate has been negative and only the third time on record. The fall was driven largely by free childcare and preschool and a nearly 20 per cent drop in petrol prices. ‘”Excluding these three components, the CPI would have risen 0.1 per cent in the June quarter,” ABS chief economist Bruce Hockman said. CommSec chief economist Craig James said the last time inflation dropped by 1.9 per cent was during the global recession in 1931, when it was measured on a different index. “Fortunately policymakers today have responded differently to back then, applying significant fiscal and monetary stimulus to limit the length and severity of the downturn,” he said, noting prices were tipped to rebound in the September quarter.

“The last thing anyone wants to see is deflation – a sustained period of falling prices – because that could see the current economic downturn being extended.”

“Australia wins when Victoria wins.”

Mr Morrison said he was more concerned by Tuesday’s payroll data, which showed the Victorian surge of coronavirus cases and second lockdown in Melbourne was dragging down the jobs recovery in other states as well. “There is a significant Victorian wave but that Victorian wave is impacting the national economy more broadly,” he told reporters in Canberra.

In May, leaders planned to reach that position by mid-July but the Victorian wave of community transmission has led several states to delay their economic reopening.

“We’re seeing that in the payroll data, we’re also seeing that in things like table bookings at restaurants and in states that aren’t affected by COVID in the same way that Victoria has been.

He couldn’t estimate now when Australia would reach the final stage of domestic reopening.

Also on Wednesday, the Australian Prudential Regulation Authority updated its guidance on capital management to banks and insurers and the Australian Office of Financial Management issued a new $15 billion, 30-year Treasury bond.

Waive Debts, Fund Services: Capital Mayors By Christine McGinn and Ulises Izquierdo

(Australian Associated Press)

Big city mayors want the federal government to waive billions in housing debt owed by the states and territories. Melbourne Lord Mayor Sally Capp said the coronavirus pandemic was an opportunity to fix Australia’s housing crisis. She told a parliamentary inquiry into homelessness on Wednesday one of the best things the federal government could do was permanently raise the JobSeeker unemployment benefit. “Putting people back onto the streets is not an option, not while COVID is unchecked and not while our cities fight for survival,” Cr Capp said. The Council of Capital City Lord Mayors wants a national housing strategy and $200 million to fight homelessness in Australia’s capitals. It says the roughly $2 billion that states and territories owed the Commonwealth as of June 2018 could be thrown back into support services.

Tasmania’s debt was waived by the federal government last year. Sydney Lord Mayor Clover Moore said waiving this debt would free up $800 million in NSW alone to go towards social housing. “NSW requires 5000 social housing dwellings to be built every year until 2026 to just meet demand,” she said. Two-thirds of Australia’s 116,000 homeless live in the nation’s capital cities. Cr Capp warned rough sleepers are only the tip of the iceberg, with thousands squatting, sleeping in cars or couch surfing. Treasury bureaucrats, veterans affairs officials and housing providers will all front the inquiry on Wednesday. Liz de Chastel, a senior policy adviser for the Local Government Association of Australia, says state and federal governments need to listen to local governments more.

“Local governments often understand what is happening in their local community,” Ms de Chastel said. The association warned the lack of housing and homelessness rates is financially hurting regional and rural towns. This was made worse by the recent bushfires and droughts, it said. It wants to see more money pumped into homelessness support services run by local councils.

AUGUST 2020 | FIND GEELONG

2020 TA • Artificial Schemes for JobKeeper Payment The ATO has released Practical Compliance Guideline PCG 2020/4 which covers schemes in relation to the JobKeeper payment. The main takeaway from the PCG is that the Commissioner will not apply compliance resources where an employer had a genuine impact on the revenue of the operating entity due to change in the external business environment. The PCG also includes examples where the ATO deems a scheme to be artificial with the sole or dominant purpose to access JobKeeper payments.

Announced: 09-Apr-2020 Updated: 15-May-2020

• Service Entities Accessing Jobkeeper Payments The ATO has released Practical Compliance Guideline PCG 2020/4 which covers schemes involving service entities in relation to the JobKeeper payment. The PCG provides guidance on how the ATO will apply its compliance resources to schemes used to access the JobKeeper payments. The main takeaway from the PCG is that the Commissioner will allow a service entity that employs workers, and receives a reduced service fee from the operating entity, to qualify for JobKeeper payments if there is a genuine impact on the revenue of the operating entity due to change in the external business environment.

Announced: 09-Apr-2020 Updated: 18-May-2020

• Spouse Contribution tax Offset eligibility To Be Extended Spouse contributions tax offset eligibility will be extended following the release of draft Bill and Regulations. The Bill and Regulations were made to give effect to the measures announced in the 2019 federal budget. From 1 July 2020, an individual is eligible for the offset where their spouse is under 75 years of age when the contribution is made. Connected with this new legislation is the extension to acceptance of contributions for individuals aged 65 and 66. The current law states that where the spouse is over 65 years, the spouse must satisfy the work test for the contribution to be accepted. Effectively, the work test is being pushed out to the Age Pension Age of 67. There are no announced changes to the income limit or the maximum contribution allowed. Also, the spouse contribution should not otherwise breach their non-concessional cap.

Announcement (1-May-2018) Consultation (3-Apr-2018) Introduced (13-May-2018) Passed Royal Assent Date of Effect

• Super Contribution Age Limits To Change Members of regulated superannuation funds have no restrictions for making voluntary contributions prior to reaching 65 years of age. However, from 1 July 2020 changes to legislation and SIS regulations intend to increase the age limit to 67 years of age. The new legislation also extends the ability for members to make bring forward contributions, making more individuals eligible to make 3 years’ worth of contributions. The legislative and regulatory changes only relate to voluntary contributions, as employer contributions have different rules relating to individuals over the age of 65.

Announcement (17-Apr-2018) Consultation (3-Apr-2018) Introduced (13-May-2018) Passed Royal Assent Date of Effect

• Unpaid Present Entitlements and Extension of Repayments Unpaid present entitlements (UPE) to private companies initially under an interest-only loan may be extended on final repayment date. The practical compliance guideline deals with a UPE that was put in an investment deal in accordance with PS LA 2010/4. If there is a balance to be repaid at the end of the investment period, it may become a new Div 7A loan. 30 June 2018 is the first year in which an interest-only loan at benchmark rates is due to be repaid after the issuing of PS LA 2010/4. That is, 7 years after the initial UPE was put on a sub-trust from the 30 June 2010 year. The PCG relates to arrangements in the 2017/18, 2018/19 and 2019/20 income years. The ATO has recently stated that the lodgement date for the 2018/19 income year is 5 June 2020. This extension is due to blanket extensions to tax returns issued by the Commissioner. Family groups using this strategy may benefit from utilising this extension of time to repay the initial unpaid present entitlement from the 2009/10 income year.

Announcement (17-Apr-2018) Consultation (3-Apr-2018) Introduced (13-May-2018) Passed Royal Assent Date of Effect

AX UPDATES • Victoria COVID-19 Package for Business Grants and Assistance Part of the Victorian economic stimulus package are grants and assistance for Victorian businesses. Registered businesses in the hospitality, tourism, accommodation, arts/entertainment and retail industries will receive tailored support. This is in the form of a grant, and specifically not a loan. Other measures announced include rent relief for businesses renting government premises, and banning of eviction for non-payment of commercial tenancies for six months.

Announced: 09-Apr-2020 Updated: 31-May-2020

• Victoria COVID-19 Package for State Taxes At the top of the Victorian economic stimulus package is a refund of payroll tax for small business. Effectively, the payroll tax threshold applies to Victorian entities with Australian taxable wages less than $3m for the 2019/20 income year. As well as the payroll tax refunds, other measures announced include deferral of certain land tax payments, and rent relief for landlords who provide rent reduction to their tenants adversely affected by the COVID-19 pandemic.

Announced: 20-Mar-2020 Updated: 29-May-2020

• SMSF Penalties for Underreported Expenses Legislated

Announcement (28-Jul-2018)

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-commercial benefit. This new law will strengthen rules which were previously only part of guidance released by the ATO for SMSFs. Specifically, an income tax liability will be enforced as opposed to 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 nonarm’s length expenditure, including where it may apply to all income.

Introduced (24-July-2019)

• Instant Assets Stimulus Package for 2020 Purchase

Announcement (28-Jul-2018)

The instant asset write-off will be available for the majority of businesses during some part of the 2019/20 and 2020/21 income years. Between 12 March 2020 to 31 December 2020, businesses with up to $500m in turnover will get an instant asset write-off for assets first installed and ready for use under $150k. In the legislation, the update also extends to the low value pool. Where a small business pool has a closing balance of less than $150k will be able to write off the entire balance (also up from $30k). The Government stimulus package, announced to prevent a large national economic downturn, includes this boost to instant asset write-offs. However, the stimulus will not be received until lodgement of the tax return.

Introduced (24-July-2019)

• Testamentary Trust Minor’s Distribution to be Limited

Announcement (28-Jul-2018)

Minors may only receive concessional tax treatment on testamentary trust income that is derived directly from assets originally transferred from a deceased estate. This will take effect for assets transferred into a testamentary trust after 1 July 2019. The legislation provides trustees of a testamentary trust with a clear understanding of when minor’s income will not be taxed at regular rates. This is part of a crackdown on the misuse of testamentary trusts by some. This includes “injecting” unrelated property into the testamentary trust vehicle for tax minimisation purposes.

Introduced (24-July-2019)

Consultation (24-May-2018) Passed (19-Sep-2019) Royal Assent (2-Oct-2019) Date of Effect (30-June-2019)

REALESTATE 2020 AUGUST

REALESTATE FIND AUSTRALIAâ&#x20AC;&#x2122;S #1 PLACE FOR PROPERTY

COMING SOON

HOUSE OF THE MONTH

Email: info@findnetwork.com.au

If you have questions, contact Warren on 1300 88 38 30 or email: warren@findnetwork.com.au AUGUST 2020 | FIND GEELONG

RENTAL LISTINGS Phone 1234 4567 84 Mitchell Street, Bendigo www.realestatewebsite.com.au

REAL ESTATE LOGO Need help with Real Estate? We are here for you.

RENT OFFERS LOCATION

RENT OFFERS $0.00 LOCATION

$0.00

$0.00 LOCATION

$0.00

$0.00 LOCATION

$0.00

$0.00 LOCATION

$0.00

$0.00 LOCATION

$0.00

$0.00 LOCATION

$0.00

$0.00 LOCATION

$0.00

A Short Description

LOCATION

A Short Description

LOCATION

A Short Description

LOCATION

A Short Description

LOCATION

A Short Description

LOCATION

A Short Description

LOCATION

A Short Description

Want to Advertise your Rental Listings?

Contact: Warren Strybosch Phone: 1300 88 38 30

COMING SOON

ADDRESS

$000,000 - $000,000

Agent: Real Estate Company Phone: Agent Name 1234 567 890

Open for inspection: By Appointment Domain ID: www.websitename.com.au

Lifestyle: Looking for a first home or quality investment? Consider this recent listing in Huntly from the sales team at Real Estate Company.

Lifestyle: A stately home with impeccable street appeal and streamlined interior. The property has been lovingly maintained by its present owner and is now available for those looking for an elegant, spacious home. Features: The tiled front entry opens to the formal lounge with bay window and main suite incorporating walk-in robe and suite. Three more bedrooms and the main bathroom occupy a seperate wing. At the heart of the home is an impressive open plan kitchen with

Features: In popular Viwepoint estates, this home was establised just five years ago and comes with a comprehensive builder warranty. The floor plan offers four bedrooms plus ensuite and family bathroom. Enjoy two living zones, a carpeted lounge as well as fully-tiled family space. Fitted robes, walk-in dressing

ceiling fans, climate control options, dishwasher and pantry storage are include. Undercover alfresco living, a double garage and secure Colorbond fences completed this 476-square-metre property in new residential area. Location: Viewpoint by Integra offers rural living on the urban fringe for families wanting relaxation and convenience. Huntly has local shops and schools, itâ&#x20AC;&#x2122;s a five-minute drive from Village Epsom.

timber cabinetry and corner walk-in pantry. The dining area overlooks the rear yard while the family room includes a concealed study nook. Glass sliding door provide access to the paved alfresco area. Also outside is a lovely backyard with sorrounding hefges. Location: A short walk to everything, such as Strath and Kennington Village Shopping Centre, cafe, medical pratice, Kennington Reservoir, schools, university and sporting facilities.

OPEN FOR INSPECTIONS Time

Address

Price Guide

Agent

ADDRESS Week | Day | Month Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

ADDRESS Week | Day | Month Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

ADDRESS Week | Day | Month Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

ADDRESS Week | Day | Month Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

Time - Time

Location

$000,000 - $000,000

Agent Name Company Number

AUGUST 2020 | FIND GEELONG

BUILDERS DIRECTORY

Block No. Lot No. Street, VIC 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Looking to market your Building Company in Contact Warren for all of your advertising needs.

Warren Strybosch 1300 88 38 30 warren@findnetwork.com.au

DISPLAY HOME DIRECTORY

Block No. Lot No. Street, VIC 1234 568 75896

COMING SOON

emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC

COMING SOON

1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC 1234 568 75896

COMING SOON

emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC

COMING SOON

1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Looking to market your Building Company in Contact Warren for all of your advertising needs.

Warren Strybosch 1300 88 38 30 warren@findnetwork.com.au AUGUST 2020 | FIND GEELONG

AUGUST 2020

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

COMING SOON

www.insertwebsite.com.au

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

COMING SOON

www.insertwebsite.com.au

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

COMING SOON

www.insertwebsite.com.au

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

COMING SOON

www.insertwebsite.com.au

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

COMING SOON

TATE A GENT

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

FIND GEELONG | AUGUST 2020

findgeelong.com.au

Draft South Geelong Urban Design Framework Released for Consultation Friday, 31 July 2020

At our council meeting on 28 July 2020, Council endorsed the release of the draft South Geelong Urban Design Framework (UDF) for a period of eight weeks. The UDF is part of the City’s strategic planning work that aims to increase the diversity of housing around Greater Geelong’s train station precincts. It outlines the site analysis, design principles, concept plans and implementation plans that will inform key development areas such as the South Geelong Station and Moorabool Street areas. Major features of the station precinct include: • • •

medium to high density residential development, retail and commercial uses improved pedestrian and bicycle access to the station, via a new pedestrian crossing and improvements to the streets near the station, including more trees and centre median parking.

Medium to high density residential redevelopment is proposed along Moorabool Street, with the ground floor hosting commercial uses.

The draft UDF also includes a series of recommended improvements, such as street crossings, footpaths, street lighting, parking, tree plantings and wayfinding signage. Streetscape upgrades and other public realm improvements will form part of the long-term capital budgeting program. Residents are encouraged to provide their feedback on the draft UDF before 21 September 2020. The draft UDF was prepared following externally-facilitated workshops last year, which involved 110 community members. A further 376 people had input via an online survey. The draft strategic guide details the potential ways the space could accommodate more housing, improve connections to the station and enhance the streetscape.

Council Trent Sullivan - Chair, Planning Portfolio “I can’t stress how important it is for those who live, work, visit and move through this area to have their say on this UDF.”

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

findgeelong.com.au

New Restrictions to Apply in Geelong Thursday, 30 July 2020

Premier Daniel Andrews has announced today that new coronavirus (COVID-19) restrictions will come into effect in Greater Geelong and other regional areas. From tomorrow, residents will not be able to have any visitors to their home, in an attempt to slow the spread of COVID-19 and minimise impacts on the community. From midnight Sunday, face coverings will be mandatory across Victoria. City employees who are required to leave their home for work will be provided with a face covering. There have been no announced restrictions on visiting businesses and public venues such as restaurants and cafes, gyms and community facilities. Information about support available and how the City is responding to the evolving coronavirus (COVID-19) situation can be viewed at www.geelongaustralia.com.au/covid19 For further details on the new restrictions, visit www.dhhs.vic. gov.au/victorias-restriction-levels-covid-19

Kerryn Sells - Our Lady Star of the Sea Principal

Greater Geelong Mayor Stephanie Asher

“I cannot emphasise enough how important it is that we

“We support the Victorian Government’s decision to

all do the right thing and strictly follow these directions,

introduce these new restrictions in Greater Geelong.

to protect against further spread in our community. It’s

Protecting the health and safety of the community has

obviously not ideal but I think everyone appreciates the

to be the top priority. By limiting our contact with other

need to contain the spread of the virus. And it is good

people, we can help reduce the risk of transmission and

news for our region that it’s a relatively moderate change,

protect ourselves, our families and the wider community.”

compared to Stage 3 restrictions.”

Community News and Updates

Work towards sustainable future continues

Council Delivers Clear and Fair Plan for Community Places and Spaces

Smart City Strategic Framework AUGUST 2020 | FIND GEELONG

Are you Not-For-Profit in Geelong Area? Advertise your events for FREE on the following pages. Feel free to send your ads to info@findnetwork.com.au and we will place it in current and/or next months edition.

Geelong

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

FIND GEELONG | AUGUST 2020

findgeelong.com.au

2020 Social Investments Grants Open Soon

Our annual Social Investment Grants Program is back! Following last year’s overwhelming number of applications, it was clear that further funding for projects creating impact was needed across the sector. That’s why in 2020 we are continuing with the theme of building capacity for impact. With a total grant pool of $300,000, not-for-profits can apply for grants of either $25,000 or $50,000. In addition to monetary grants, this year’s program will also include five in-kind strategic impact grants to help not-for-profits build capacity in their organisations. Community Sector Banking will provide one of it specialised staff to assist your organisation on a capacity building project of strategic importance. This might include developing a marketing or communications strategy, a board governance training program or measuring the impact of your program to help attract future funding. Five x 20 hour in-kind strategic impact grants are available. Applications will open 3 August and close at 11.59pm AEST on Friday 11 September. Download our grants information pack here. For more information on our grants program, including eligibility and how to apply, click here. Good luck!

findgeelong.com.au

AUGUST 2020 | FIND GEELONG

Geelong Gallery ---- 360° Virtual Tour Wander through the Gallery from the comfort of your home to experience Geelong Gallery ‘s permanent collection and current exhibitions in our 360° virtual tour. Visit the virtual gallery to explore the treasures of our collection, Collection leads: Kate Beynon---kindred spirits, Jacky Redgate---HOLD ON, Going public--portraits from the Colin Holden Collection and Resonanace + Reflection---Design ideas for an expanded Geelong Gallery. Explore: www.geelonggallery.org.au/virtual-tour When

Where

Daily from 15 July 2020 to 15 November 2020

Geelong Gallery 55 Little Malop Street

Upcoming dates 11 August 2020, 10:00 AM - 05:00 PM 12 August 2020, 10:00 AM - 05:00 PM 13 August 2020, 10:00 AM - 05:00 PM 14 August 2020, 10:00 AM - 05:00 PM 15 August 2020, 10:00 AM - 05:00 PM +Show more dates (92)

Cost This is a FREE event Contact Geelong Gallery info@geelonggallery.org.au 0352293645 https://www.geelonggallery.org. au/

AUGUST 2020 | FIND GEELONG

CACHE

1 2 3 4

BEGIN YOUR FIRST ADVENTURE IN FIND GEELONG

SEEK

AND YOU WILL

CACHE

WATCH AND READ THE CLUES

Find a cache

share you exprience

Each month we will provide clues in the location of the Find Cache.

Once you found the Cache please notify us.

The winner will be published in the next Find Maroondah.

CACHE

ABOUT FIND CACHE Each month we will be hiding a Cache of items around the Geelong area. Your job is to discover where the cache is hidden. The first person to find the container of items gets to keep it. Each week we will place a clue on the Find Geelong Facebook page to help you locate the cache of goodies. Make sure you Follow and Like the facebook page (https://www.facebook.com/findgeelong)

WHAT’S IN THE FIRST FIND CACHE

Due to COVID-19 restrictions we cannot start the Find Cache for this month’s edition.

AUGUST 2020 | FIND GEELONG

PAGES

PROFESSIONAL SERVICES INSURANCE

Special Tax Return Offer

Personal Insurances Include: • Income Protection (IP) • Life Insurances or Death Cover • Total and Permanent Disability (TPD) • Trauma Insurance or Critical Illness Insurance

• Business Expense Cover • Child Trauma Cover When your insurance are in place, our services do not stop there. We will provide you with an after care service that includes policy notifications, insurance report, help desk, reviews and help at claim time.

We provide ourselves in providing honest advice that you can rely on.

CONTACT 1300 88 38 30 Warren@findinsurance.com.au www.findinsurance.com.au 248 Wonga Road, Warranwood VIC 3134

1300 88 38 30 Important: This offer is only available new clients to Find Accountant Pty Ltd.

Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of

Liability limited by a scheme approved under Professional Standards Legislation

Clearview Financial Advice Pty Limited ABN 89 133 593 012 No. 331367

INDEX PROFESSIONAL SERVICES • • • • • • • • • • • •

Advertising------------------00 Business Coach-------------42 Find Accountant------------42 Find Insurance--------------42 Financial Planning---------43 Garage Doors---------------43 Mortgage Broker-----------43 Painting and Decorating--44 Plumber----------------------00 Rental Estate Rentals------44 Solution Based Coaching-45 Travel-------------------------45

High Performance Team Training .....Imagine a team where each individual is so strong in self that their focus is how to move together as one.... PROGRAM BENEFITS THEORY BASED ON PROVEN MODELS

The Resaliantce Method

CREATE AND DINE ON YOUR 5* CULINARY MASTERPIECE LEARN HOW TO ADJUST BEHAVIOUR

TEAM GAP ANALYISIS

REAL TIME FEEDBACK

IMMEDIATE IMPACT ON BOTTOM LINE

The Resilience Coach The Resaliantce Method 0438 963 718 sally@theresaliantcemethod.com.au www.theresaliantcemethod.com.au

PAGES

PROFESSIONAL SERVICES

We are available for Emergency Repairs 24/7 in Melbourne and Surrounding Areas A Garage Door Specialist you can Trust

Trustworthy 24/7 Garage Door Installation

Regardless of the type of garage door you own, we at Cruzin Garage Doors, have the skills and expertise to either repair or replace your current garage door. For new installations we are also the ones to call. • Roller garage doors • Security garage doors • Electric garage doors • Wooden garage doors • Garage door locks • Up and over garage doors

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

Hours of Operation

sales@cruzingaragedoors.com.au

• Mon to Fri: 9:00 am - 5:00 pm

www.cruzingaragedoors.com.au

• Sat to Sun: CLOSED

Mortgage Brokers Melbourne Award-wining mortgage brokers in Melbourne with established relationships with multiple leaders, a slick process process and a bucket of relevant experience.

OUR SERVICES

• Refinancing • Home Loan • Buying your First Home

LEE WISNIEWSKI Mortgage Broker Fidget Loan Specialist

• Investing in Property • Car Loans

0401 272 505

lee@fidget.com.au

www.fidget.com.au PO Box 633, Geelong VIC 3000 Level 20,31 Queen Street, Melbourne VIC 3000

Financial Planner Geelong Master Your Money Now is an online financial planning and education company with a passion for helping everyday people take control of their finances from the comfort for their own home.

Australia Post Small Business Hive

Founded in July 2018 by Chris Carlin and based in Geelong, we regularly speak to everyday Australians both individually and in group settings,

108 Gheringhap Street Geelong VIC 3220

teaching and empowering people with practical financial skills we should have been taught in school.

admin@masteryourmoneynow.com.au

In short, we make money easy to understand again.

m.me/MasterYourMoneyNow.Com.Au

PO Box 45 Geelong VIC 3220 1800 734 225 www.masteryourmoneynow.com.au

CHRIS CARLIN Financial Planning Master Your Money Now

OUR OFFICE

BOOK IN YOUR FREE STRATEGY SESSION NOW!

AUGUST 2020 | FIND GEELONG

PAGES

PROFESSIONAL SERVICES

GEELONG PROPERTY MANAGERS - WE’RE DIFFERENT gpm. is a specialist property manangement-only real estate agency in Geelong. With our industry-leading experience managing rental properties, you will love the Geelong Property Managers difference.

OUR SERVICES

PROPERTY MANAGEMENT

0418 582 309

PROPERTY LEASING

warren@geelongpm.com.au

ADVICE

350 Latrobe Terrace, Newtown VIC 3220 MON to Friday: 10:00am - 4:00pm*

PROPERTY SALES REAL ESTATE TRAINING

SAT: by appointment SUN: Closed

PHOTOGRAPHY & MARKETING

www.geelongpm.com.au

Watch Geelong Property Managers

WARREN RAPSON Marketing & Operations Manager Geelong Property Managers

DAHLLOF PAINTING SERVICES Concept to Creation - Perfect From Start to Finish We have been painting for over 20 years. We love to paint but don’t just take our word for it. Our results will speak for themselves.

OUR SERVICES

OTHER SERVICES

PAINTING SERVICES

PROJECT MANAGEMENT

INTERIOR PAINTING

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

0407 365 372 kerna1967@gmail.com www.stevedahllofofpaintingservices.com.au

PAGES

PROFESSIONAL SERVICES

DEVELOPING EXCELLENCE IN BUSINESS SERVICES A RANGE OF SERVICES TO MEET YOUR GROWN BUSINESS NEEDS

Mentoring

Workshops

Coaching

Online Training

Master Class

Video Presentations

In-house Training

DEB FRIBBINS

CONTACT

Business Coach | Mentor

0400 524 451 deb@debconsulting.com.au www.developingexcellenceinbusiness.com.au DICOVER MORE ABOUT THE 5D PROCESS

Upgrading your travel experience! Cruise Experts with the Best Cruise Deals. Boutique cruise specialist agency providing personal services and better than big brand pricing CONTACT US 1300 797 862 PO Box 166, Sunbury VIC 3429 ainsley@deluxetravelandcruise.com.au www.deluxetravelandcruise.com.au www.facebook.com/deluxetravelandcruisegeelong

AUGUST 2020 | FIND GEELONG

PAGES

LOCAL TRADIES

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

Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Builder Electrician Painter Plasterer Property Maintenance Cleaner

ADVERTISE HERE

PAGES

HOME & GARDEN

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

Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Specialist Tree Services Interior Design Mowing Building Inspection Nursey Flooring

ADVERTISE HERE

AUGUST 2020 | FIND GEELONG

PAGES

HEALTH & BEAUTY

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

Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Hair Dresser Osteopath Chiropractor Beauty Therapy Gym Massage Therapy

ADVERTISE HERE

PAGES

ADVERTISE HERE

AUGUST 2020 | FIND GEELONG

SPORTS

We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sport. For enquiries call 1300 88 38 30 or email editor@findgeelong.com.au

findgeeelong.com.au

SPORTS

TITLE HERE

AUGUST 2020 | FIND GEELONG

GEELONG

Support your Local Not-For-Profit

Find Coffee

Find Dining

FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

Find Takeaway

Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

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

LOCAL COUPONS

01 January - 31 December 2020

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

FIND CARD LOCAL OFFERS

M A

E L P

PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findgeelong.com.au/register Please refer to Page 84

LOCAL COUPONS OFFERS

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

PAGE NO.

FIND COFFEE COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND BREKKY, BRUNCH & LUNCH COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND ENTERTAINMENT COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TAKEAWAY COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TRAVEL COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND DINING COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND ADVERTISING COUPONS info@findnetwork.com.au 1300 88 38 30

S S

M A

E L P E L P

S S

M A

E L P

BREKKY, BRUNCH & LUNCH DISCOVER A NEW LEVEL OF TASTE

The best memories are made when gathered around the table. FIND ADVERTISING COUPONS info@findnetwork.com.au 1300 88 38 30

M A

E L P

& Lunch

M A

E L P

M A

E L P E L P

S S

M A M A

E L P E L P

COFFEE

TODAYâ&#x20AC;&#x2122;S GOOD MOOD IS SPONSORED BY COFFEE FIND ADVERTISING COUPONS info@findnetwork.com.au 1300 88 38 30

S S

M A M A

E L P E L P

Takeaway

Food brings people together on many different levels. It’s the nourishment of the soul and body: It’s truly love. FIND ADVERTISING COUPONS info@findnetwork.com.au 1300 88 38 30

M A

E L P

NEW OFFERS COMING

FIND ADVERTISING COUPONS info@findnetwork.com.au 1300 88 38 30

S S

M A M A

E L P E L P

S S

M A M A

E L P E L P

S S

M A

E L P E L P

Coupons &

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

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

Find Cards Policy

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

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

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

Customer Signature If you do not have the correct signature on the Find Cards and it does not match the signature on your license or another card with your photo on it, then the business has the right to not provide you with the discount. it is at the businesses discretion as to whether or not they allow the discount to apply if the Signature is incorrect.

PRESENT VALID FIND CARDS

VALID

GEELONG

Valid Find Cards have four folds and contain six different categories. Valid Find Cards will have the Find 2020 sticker placed in the circle and the “Find Ok” stamped on top of the sticker.

NOT VALID

GEELONG

Find Cards that DO NOT display the Find 2020 Sticker in the circle and DO NOT have the “Find Ok” stamp on the top of the sticker 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 2020 Find© Pty Ltd.