Find Geelong - January Edition by Find

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JANUARY 2021

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COLUMNIST CONTRIBUTORS ACCOUNTANT| FOUNDER

TEAM/LEADERSHIP COACH

LOAN SPECIALIST

BUSINESS COACH | MENTOR

WARREN STRYBOSCH

SALLY HIGOE - FACILITATOR

LEE WISNIEWSKI

DEB FRIBBINS

BUSINESS KNOWLEDGE SYSTEM

PAINTING & DECORATING

GARAGE DOORS

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BRENDA THOMSON LAWYERS

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JOHN VAN BEVEREN

SALARY PACKAGING

DAN NICHOLLS

ADAM SIMS

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BOOKKEEPER

MARY-CLARE SWITZ

SHAYNE LOWE

WEB DEVELOPER

AKASHA KONKOLY

CHANTAL DJURIC

STEVE DAHLLOF

ZOË WOOD

MARKETING

SOLICITOR | LAW

Article coming next month.

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

OUR NEWSPAPER The Find Geelong was 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.

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NEXT ISSUE Next Issue of the Find Geelong will be published on Monday February 8, 2021. Advertising and Editorial copy closes Friday February 5, 2021.

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Borders close as cases increase. Not the 2021 start we were all hoping for. By Warren Strybosch

We were all hoping for a COVID free 2021 but that hope seems to have been dashed by the arrival of a handful of international travellers who were carriers before entering the country. New South Wales was the first to be impacted and this does not look to be slowing down. Now, Victoria has new cases of COVID, likely from those travelling from NSW. As cases have started to increase, boarders have started to close down. Holidays have been thrown into disarray and people are now concerned once again about the year ahead and how this will impact their future livelihoods.

Whilst we will continue to provide relevant information about the current events, we will endeavour to ‘Find’ some good in the everyday things with the hope of encouraging you through these stressful times. We are here to help you and everyone in our local community; whether it be via our fundraising initiatives, through the upand-coming Not-For-Profit events that will be advertised here for free, via our Find Network events, or simply by providing local relevant content about our local community. From all of us at Find, we wish you the best for 2021.

Renewed Call for JobSeeker Increase By Robyn Wuth (Australian Associated Press)

Welfare groups are calling for a permanent increase in JobSeeker payments to bring people above the poverty line as the federal government moves to reduce COVID-19 benefits. The Morrison government plans to lower the JobSeeker unemployment supplement by $100 a fortnight from Friday, January 1, and the JobKeeper payment by $200 on Monday. The new rates will be $150 a fortnight for Jobseeker and $1000 for JobKeeper and are effective until the end of March. The Australian Council of Social Service says the move will see vulnerable people trying to get by on $50 a day. The agency has called for a permanent increase of JobSeeker to $65 a day to bring people above the poverty line. “As 2021 begins and everyone tries to put 2020 behind them, people without paid work will be trying to get by on just $50 a day, which simply isn’t enough to cover housing, food, transport and bills,” ACOSS CEO Cassandra Goldie said. “The number of people on JobSeeker doubled to 1.5 million during the pandemic and is expected to rise still more when JobKeeper ends in March.”

JobSeeker is scheduled to revert to its pre-coronavirus rate of an “unliveable” $40 a day, and the Youth Allowance will be $33 a day, Dr Goldie said. “People and the economy need security to be able to rebuild – virtually every dollar of the coronavirus supplement goes straight back into the local economy, helping to keep other people in employment.” The federal government has always said the increased payments were a temporary measure which began in March during the nationwide lockdown. They have been extended in staggered reductions.

Federal Labor warned it is too early to reduce the payment. “We are not out of the woods yet with this pandemic and the economic effects, they (are) reverberating around the economy, especially in regional towns and suburbs where there is a lot of casual workers who have borne the biggest brunt,” Labor’s Bill Shorten told Nine’s Today Show on Tuesday. “For the less well off, we shouldn’t be cutting their circumstances at this point in time.” “The government should reconsider it.”

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FIND GEELONG | JANUARY 2021

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Are your tax affairs in order? ACCOUNTANT By Warren Strybosch

A new year, a new beginning. Let this year be the year to get your tax affairs in order. Currently, I am on holidays after a very busy 2020. I am sitting in the common room of the caravan park trying to decide what to write for my first article in 2021. To be honest, I am finding it hard to get focussed – I would rather be in the sunshine or having a swim in the river. Rather than providing some informative accounting information, I thought I would simply reflect on 2020 and provide some thoughts regarding tax in general. 1. I am still finding some business clients are using their personal accounts for business use. It is important to set up a business account and obtain a business credit card and to separate your personal expenses from your business expenses. Even if you are a sole trader this is still relevant. Keep your business transactions separate helps you to understand how your business is going. 2. When choosing a business name, make sure you check the domain name is available, that the name can be registered with ASIC and that there are no similar trademarks in place. You don’t want to set everything up to find a letter from a trademark attorney asking you to change/close down your business.

3. Make sure you put aside funds to cover your BAS and PAYG obligations. Don’t get caught out and start building up a debt with the ATO. This will impact your ability to borrow funds in the future. Lenders won’t to know you are meeting all of your responsibilities. 4. Ask your accountant if you have any outstanding returns that need completely. It amazes me how many times I take on a new client to discover they have outstanding tax returns from previous years. 5. Consider using appropriate bookkeeping software. Even if you just starting a new business, I would encourage you to start using bookkeeping software straight away. I tent to find that those clients who use appropriate bookkeeping software tend to grow their business faster than those who do not.

do the work or wait for the work to come in. I believe you need to be asking yourself where the next client is going to come from regardless how busy you are. 7. Having a vision and a succession plan is also very important but I won’t cover those hear as these topics are beyond the scope of today. Don’t just do the work but work on the business. Feel free to call me if you wish to discuss your business with someone. I don’t charge my clients to have a chat about their business. I wish you all the best for 2021.

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

6. Spend time thinking about your business and where the next client is going to come from. Don’t just

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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.

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New Year - New Ways BUSINESS COACH|MENTOR By Deb Fribbins

2020 was a year none of us will forget. As much as we would like to. Almost everybody was affected, directly or indirectly, by floods, fires, personal health, business health, family values, mental instabilities, financial instabilities, major juggling acts with kids, pets and spouse. Welcome 2021. Take a moment to reflect on all the positives from 2020. We have learnt a new language, computer language that mostly. We all had to “Pivot” in these “Unprecedented times”. We have been in lock-down, social distancing, in “iso”, muted, to quote just a few. Many of us that were “technologically challenged” managed to learn technologies we had previously had no need for, or had successfully avoided up till now. We have been Zoomed, Whatsapped, Skyped, Facetimed, Wechatted, or any of the other configurations to communicate to our colleagues, clients and stakeholders around the country and the world at large. These mediums will continue to impact our lives as the benefits have often outweighed the disadvantages. There are so many positive outcomes from this year that we need to learn from and carry through 2021 and beyond. Gone are the meetings to plan a meeting. Gone are the repetitive meetings.

Gone are the two hour drives to and from meetings. Gone are the expensive car parks. Gone is the frustration of trying to find a car park. Gone are the constant interruptions. Gone are the expensive travel bills interstate or overseas. Replaced with More effective meetings. Greatly efficiencies in outcomes. More productive time instead of time wasted in travelling. More time available for research in the marketplace. Stronger outcomes based on research we had time to do. Realisation that employees can be trusted to get all the work done at home. More opportunities for learning new skills. Closer family ties with those around us. Greater awareness of our loved ones that we could not go and see. Introduction of pets to the family teaching kids responsibility. Increased exercise regime. Eating better home cooked meal less fast food. Appreciation of what we have and how we live. As we apply the lessons, we have learnt from 2020 and develop a clear action plan for 2021 we will be on track to hit the targets we set. There is a general acceptance that life will not revert back to exactly how it was. Certain elements will revert.

Different generations and genders will react differently to the changes. The secret to success will be to ensure your messages are clear. Gone too, are the days of all inclusive marketing. Segment your marketing messages to attract the appropriate clientele. The products and underlying message is the same but the language we choose to use needs to be reflective of the specific clientele you are trying to attract. Simon Sinek says There are two ways to influence human behaviour, you can Manipulate or you can Inspire. Inspire your clients by servicing their needs. My mantra has always been Be R.A.D Research what has happened, what is happening, what your competitors are doing and what you are consumers looking for How can you assist them. Analyse all the information you have at your disposal and how it impacts, you, your clients and your business then. DO IT- your way, Do not be a “Me too” Address the findings and plan your success. Be R.A.D. RESEARCH ANALYSE DO IT YOUR WAY

Deb Fribbins Developing Excellence in Business 400 524 451 deb@debconsulting.com.au JANUARY 2021 | FIND GEELONG

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The Best Gift of All LOAN SPECIALIST By Lee Wisniewski

2020 is done. Can I get an Amen? Some of us had a great year, others not so great. In 2020 there was a lot of focus on our health (mental & physical), our finances (job losses, property prices, record low rates, share market highs), politics (even Aussies cared about the US election) and the new work from home movement. But the overwhelming thing we can agree on is that 2020 is over. It’s not coming back. Upon reflection how does that make you feel? Are you proud of where you finished the year? Or are you regretful? You can’t change it any more. You can only improve upon your result from here. If I’m being honest with you (such is my M.O) the only thing I regret from 2020 is being home every single day but not being present. Can you relate? So, my present this Christmas to my family (apart from the epically wrapped gifts under our tree) was simple. My main present was to be present, from December 24th right up until January 12th when I return and then build some great foundations and balance in my life to ensure that it can continue. Don’t get me wrong, my family life is not falling apart but I am just feeling like it needs some real focus. A boost if you will.

Maybe you can relate. Maybe not. What’s this got to do with home loans? Well, more than you think. The reason most of us even get out of bed to go to work is to earn money, to exchange that money for things and the most expensive thing we spend our money on is (usually) a house in which to live. If we want to spend more time with our family or doing other things with our time then we probably need to become more efficient with our income earning potential (earn more for same hours/ effort) or we need to lower our housing costs. So, how much is enough house? Now, I’m not advocating selling up everything and living in a shipping container but I am advocating making sure that you are getting the best bang for your buck on the place in which you live. Here’s some ideas (Merry Christmas): 1. If you’re going to have a mortgage, make sure that you’re on a great deal. Why pay the banks more than you have to? A higher interest rate means extra cash to a bank and potentially years more that you will have to work (time away from family and friends) than you need to! With historical low rates at the moment, you need to chat to us about your current deal, especially if it’s been a few years since you reviewed it! Note: we just saved someone $15,000 a year (not a typo) on his home loan/s AND he had a “private banker” before coming to us… It took me 20mins. TOTAL.

2. Review your bills over the Christmas break. I’ll even make it easy for you… Check out our new service called Fidget Connect Bill Review (link here). A saving of $200 per month on your bills, redirected onto your $500k mortgage will save you 4 YEARS OFF YOUR HOME LOAN (again not a typo) 3. Move. OK OK. Don’t hate on me, you don’t have to do this. But consider this…You can either: a. move to a place that’s in a major regional centre (hello Geelong) and save $200k. Same size house, arguably similar or better lifestyle; b. If you’re renting, rent something cheaper and redirect the difference into something that is going to improve your asset/financial position c. Buy something with less wasted space. I know there is stamp duty, sales commissions etc but who says you have to sell? You might be able to afford both! With rates so low you might find that rent covers your interest bill anyway and you might have enough equity to not even need a deposit. So many ideas, so little time huh? There you have it, a great start to 2021.

Lee Wisniewski Mortgage Broker Fidget Loan Specialist 401272505 lee@fidget.com.au

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It is your standards that set you apart from the rest, that move you away from mediocre and into extraordinary. It is the standards that will encourage your team to push for the next level of excellence and demand more each and every day.

HOW TO GO FROM MEDIOCRE TO HEAD-TURNING in 2021 LEADERSHIP & TEAM COACH By Sally Higoe

“People don’t need to be managed, they need to be unleashed” - Richard Florida What a great quote, it gets me excited at the possibilities. Imagine... ... a team where everyone is two feet in, hungry and ready to commit 100% to the growth of the business, to support you, the leader and to share all of their amazing ideas and challenges. ... A team that thrives on innovative thinking and is empowered to ‘own’ it both their own performance and also the outcome for the entire team. ...A form of leadership where the team are encouraged to create and ‘unleash’ without fear of judgement or criticism. This form of high impact leadership focuses on the heart of any organisation –the people and the standards to which they operate. Great people want to improve themself, they want to contribute, and they want to make a difference. I’m astounded to know that 6 out of 10 (!) workers are miserable (according to a survey conducted in the Daily Mail).. and at the top of the list of complaints is quality of leadership. It all begins at the top. If ‘good’ is ‘good enough’ the culture of the organisation will feel flat, the team members will do little to improve how things are done, and new team members will wonder what they’ve got themselves into. If standards are set, if they’re nonnegotiable and they cover everything from answering the phone to submitting weekly goals... the team that you really

want, the one that grows the business, they’ll stay and play. This team will strive, they will thrive... and so, will business. The possibilities are glowing; • Many minds working together for the greater good. • You, as the leader, leading the innovators (not following the pack!) • A business that is profitable. • Clients continuously come back. • A team that is engaged, happy and encouraged to explore. In this environment - a good day is where the team member knows they’ve made a difference and they were capable under pressure of finding a way. This is empowerment. This is the creation of a business that turns heads. Leadership is MANY things, but it all comes down to one thing – You’re there to help your team to ‘think’ in a way that; • • • • • •

•

Seeks to challenge their own beliefs and attitudes about what’s possible. Allows them to own their role. Boosts their personal performance. Gives them more job satisfaction. Encourages them to contribute to the improvements and innovations in the organisation. Guides them in how to solve problems in a way that demonstrates good judgement and thought for consequences. Allows them to think of others and the impact decisions have on them.

When your team has the ability to think in this way there is an increase in productivity, a rise in satisfaction a surge in results. But the standards must be non-negotiable. And they must apply to everyone. Everyone contributes. Everyone speaks up. Everyone owns it. This is the standard. As a leader I’ll encourage, inspire and assist as required. But if you don’t meet the standard, move on.

Such standards should include1. Communication excellence – team members expect to communicate with each other, the clients and the stakeholders with respect and courtesy at all times 2. At cause – the team holds themselves at cause and take 100% responsibility for their results and non-results 3. No hidden agendas. We are open and work through challenges Other ideas for what to consider when standard setting1. How will we operate with each other? 2. What will we guarantee to bring every single time no matter what? 3. What are our expectations of each other? 4. What can I count on in you? 5. Standards for people who do business with you, standards for your business. Standards must be considered in performance reviews, given each 90 days. These points of culture are shared as the first thing they receive feedback on, because it’s that important. Leadership is not a ‘sometimes’ undertaking. If you’re unsure if you have the right standards in place, if you’re on the right path to business excellence, to turn heads and to unleash the spectacular in your team, then your likely not. Email me on sally@team-resilience.com. au and I’ll happily reply with a free Needs Analysis questionnaire so you’re able to. 1. Identify gaps before they become a problem 2. Help to plan your training for 2021. 3. Highlight training you may not have considered 4. Ensure your training is focused on the right areas 5. Decide who should attend which trainings and 6. Help you to prioritise training needs Make 2021 the year where your business stands well above the rest.

Sally Higoe Leadership & Team Coach Team Resilience Method 438963718 sally@team-resilience.com.au JANUARY 2021 | FIND GEELONG

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Record Bookkeeping To make it easier to collect and keep these there are digital tools such as Receipt Bank, Hubdoc, Lightyear and Datamolino. These products are design to automate accounts payable data capture and get that information into your bookkeeping software. One of the advantages of using one of these tools is it is yet another storage of documents as well as sending a copy of the document into your bookkeeping file, attached to the transactions. These tools have phone apps with which you can snap a photo of a receipt or invoice and submit it for processing. This is ideal for tradies to avoid a crumpled pile of paperwork stashed in their ute! Payment Gateways

BOOKKEEPER By Mary-Clare Switz

For many business owners the biggest pain point with running a business is the record keeping. As a bookkeeper I tend to focus on the financial records but each business will also have other records they need to keep. These can include Sales management data, patient records, HR records … the list goes on. The keys for good record management to be achievable are efficiency and accessibility. Efficient management eliminates wasted time and expense and allows you to keep focused on your core business. Accessibility is making sure your team (staff, contractors, bookkeeper, accountant, etc.) can access the information that they need to ensure your business runs efficiently (there is that word again!) and successfully. Today we are blessed with a huge variety of tools to choose from to manage records. Lets look at a few common areas of record management …

These are the modern version of filing cabinets. Staff can be invited in to access all or portions of the data. People outside your business such as your bookkeeper and your accountant can be invited into individual file folder (i.e. the folder where you store your bank statements). As the documents are stored ‘in the cloud’ you and your staff can be anywhere and on any device to access them. Bookkeeping/Accounting This is my patch and passion. Our practice uses Xero for our clients’ bookkeeping. With features such as bank feeds and document attachment, the process of keeping bookkeeping records up to date is efficient and seamless. Again, as this tool is online it means the business, the bookkeeper and the accountant can all see the ‘One Ledger’ (the one data file) in real time. It does not require a backup of the file to be given to your accountant so that they can do your end of year tax return – they can just jump in and start! (Efficient & Accessible!!) Invoices & Receipts

Document management & your digital filing cabinet Dropbox, Dropbox for Business, Box, Google Drive, SharePoint and One Drive are common options that you may have already heard of. They are all based on a subscription model starting at free and each can be scaled up with different features depending on what a business needs.

These are required by the ATO to be kept for five years from the date you lodge your tax return (longer in certain situations). When claiming GST you need to retain all invoices and receipts for any payments over $75+GST. For income tax purposes it is all invoices and receipts related to a tax return.

Cheque payments are no longer a thing. It is a strong no from me … not efficient! Payment Gateways are services that offer ways for your clients to pay your invoices. Most people will be very familiar with, and will have probably used, Paypal to pay an invoice. Eway, Square, Pin Payments, Go Cardless and Stripe are a few of many that are available. We advise clients to make it easy for customers to pay their invoices. If you make it easy they are more likely to pay in a timely manner. Customer Relationship Management (CRM) This is about managing your relationship with your clients overtime. Collecting information, tracking conversations, building relationships, resolving queries and complaints, increasing sales. There are many to choose from such as Monday.com, Pipedrive, Sugar CRM, HubSpot, Sales Force. Project and/or Business Management Different to CRMs (but definitely may have a crossover) Project Management solutions are usually focused on the doing of your business where you managing projects or jobs that have a start and finish (ie. Web Designers, Architects, Bookkeepers, HR Recruitment etc.). Monday.com, TeamWork, Dubsado, Wrike, ClickUp, Trello, Asana are examples, and there are so many more. Quite a few CRM products also double up

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as Project Management solutions and visa versa. Some are designed for particular industries (i.e. Dubsado was designed for creatives). Both CRMs and Project Management tools may also include the ability to quote, send proposals, send contracts, and accept payments. They are the record of your engagement with clients and customers. Integration With all the above tools to look at you can be left wondering if you can make any of the different tools talk to each other … YES you can. All these tools have the ability to ‘integrate’, or talk to, other software. The integration options do vary from product to product so do you research. Integrations can include pushing a successfully signed proposal/contract into Xero as an invoice, send email into document storage, a query generating an auto email response. The options are endless. The receipt management tools such as Receipt Bank and designed to integrate into your bookkeeping software as one of their main purposes.

Back to Efficiency and Accessibility A set of tools tailored to your business from the examples above is called an “App Stack.” The whole point of choosing what combination your business will use is to build in efficient storage and movement of information and ensure that your team has accessibility to that information. When working with clients we suggest start with the core ones (bookkeeping, receipt management, payment & document storage) and then build from there. Record keeping does not have to be scary … identify what you need to record and find a solution … they are so many to choose from that will fit your business and help you grow.

Some of these solutions (ie Xero) have bank level security. Many require twofactor authentication (2FA) to be able to login. This mitigates security breaches of your data. We recommend using a Password Management product to manage your passwords and your staff’s passwords (examples include 1Password, Dashlane, LogmeIn). Depending on your choice a business can manage everyone’s passwords in a central data base and also limit what a staff member can see, including limiting if a staff member can see their password. One more final word Happy New Year! Lets make 2021 a cracker!!

And one final word … Security & Password Management All the solutions I have discussed above are online (in the cloud). They are not dependent on being on just one computer or laptop. The data is secure and stored elsewhere. This ensures that a business does not lose its data when a laptop dies and no backup has been made.

Mary-Clare Switz BOOKKEEPING

0422 800 012 mc@biscuitbooks.com.au

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SALARY PACKAGING - January 2021 SALARY PACKAGING SERVICES By Dan Nicholls

An employee can salary package different things depending upon their employers ABN classification. A notfor-profit or charity has many options to offer their employees to help them save potentially thousands of dollars a year. All businesses can salary package something so we encourage everyone to know what is available to them. Our focus at this time of year is the looming end of the FBT year. As March 31st approaches our clients are making sure they have used up all of their allowance to maximise their savings. The two main categories are:Reportable Fringe Benefits: The provision of Reportable Fringe Benefits runs over the FBT year being 1 April to 31 March, and are required to be included in the Employee PAYG Summary at the end of the financial year. Hence the Benefit being ‘Reportable’. Reportable Fringe Benefits can be included within the Employee’s Rebatable CAP, currently to an expense value of $15,900 or Grossed Up Value of $30,000. The amounts paid through the Employee salary deduction is ‘GrossedUp’ because they are not subject to income tax.

Meal Entertainment: Meal Entertainment & Facility Leasing (ME) benefit has its own reportable Grossed Up CAP of $5,000 which is equivalent to $2,650 in expenses and can include: •

Meals and beverages in venues such as a restaurant, cafe and club over $15.

•

Catering for functions where the main purpose is the consumption of food and beverages, e.g. Wedding or 21st.

•

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

•

Hire of holiday accommodation, e.g. Hotel room or serviced apartment.

•

Cruise costs if accommodation is included.

•

Packaged Holidays.

The permissible Reportable Fringe Benefits are: • • • • • • • • • • • • • • • • • • • •

Mortgage repayments School and University fees Household and Living Expenses Credit Card Payments Life Insurance Premiums Child Care Expenses Aged Care Expenses Higher Education Loan Program (HELP) Private Domestic Travel Expenses Meal Entertainment & Facility Leasing* Private Home Rental Personal Loan repayments Health Insurance Premiums Medical, Dental and Optical Expenses General Insurance Premiums Disability Care Expenses House & Contents Insurance Premiums Private Overseas Travel Expenses Club Membership Motor Vehicle Expenses – Non Novated or Associate Lease

Any unspent deductions under the Meal Entertainment result in a reduction in the CAP allowance for the following year so it is very important we ensure our customers are spending all of their payroll deductions.

Whilst we continue to manage our clients employee benefits through salary packaging throughout the year, helping our customers understand their current balances and how they can spend their remaining funds is a crucial part of our service. The Salary Packaging People are a Geelong based business with over 30 years serving the local community and wider areas. Our customers range from very small to very large and we pride ourselves in delivering a personal, professional and value focussed service. We believe people like to deal with friendly people and so we don’t have call centres. We manage all aspects of salary packaging including novated leases, providing an end-to-end comprehensive service at outstanding value. Please contact us to see how we can assist you or your business (03) 5229 4200.

Dan Nicholls Salary Packaging Services 040047998 dan@salarypackagingpeople.com.au

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JANUARY 2021 | FIND GEELONG

Got Something To Say? Say It With Video! VIDEO CONSULTANT By Zoë Wood

We’ve all witnessed the huge shift from in-person meetings, chats, and opportunities to lengthy Zoom calls and cobbled together virtual communication solutions. Human connection during this time of isolation was mingled with the trials and tribulations of dealing with technology. Meanwhile, our living spaces were transformed into makeshift offices. This was how much of 2020 played out. Since the early days of the pandemic and lockdown we’ve come a long way, setting us up for a virtual future of work that seems closer than ever before. We’ve made our homes more comfortable to both live and work from, we found virtual solutions for connecting with co-workers and families while apart, and have had time to reflect on what’s important. This shock to the system has pushed nearly every institution from charities, to businesses, to community groups, into a new normal where new solutions are often required. The one tool people have moved to, in droves, to solve their problems during this time has been… Have you guessed it? It’s VIDEO!

A picture can say a thousand words, but a video can speak billions. Through a combination of visuals, spoken word, animations, music, graphics, subtitles, demonstrations, and much more; you have the ability to make the strongest human connection possible while circumstances have separated us. Video has always been an excellent tool for conveying the key facts to an ongoing array of new customers, coworkers, members or clients. It’s a tool that’s always been in our arsenal, but never seemed like the right choice for the moment. Until it was vitally needed. Jumping head first into this world of cameras, lights, microphones, uploads, downloads, and messaging can be frightening for the uninitiated. Maybe you pushed past all your initial fears and jumped straight in and now you’ve got grander ambitions for future projects. As with all things in life, the skills required for video need to be practiced often to achieve an expert level. I’ve been doing this for 11 years and I still learn new things everyday.

when we need to. The leg work of getting new people to hear your message can no longer solely be done in-person. You need to rely on all the tools in your arsenal including video to do some of the legwork for you. That’s the way to reach people who have now seen the possibilities of flexible working arrangements, those who have used the pandemic to transform their work/life balance into something far more digital than physical. To see an example of how to use video in your messaging, search Video Confidence Coach on YouTube to see what possibilities the digital future may hold.

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

No longer can we rely on jumping into a room full of people to get the job done; to speak to who we need to speak to, JANUARY 2021 | FIND GEELONG

FIND GEELONG | JANUARY 2021

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Is your networking suffering from your interesting introduction? If you steer the conversation to be about you instead of them, you’ll deprive yourself of the opportunity to work this out; you’ll end up following up with them, only to later work out it’s not the best connection. So stop talking about yourself and start asking about others to make more informed decisions before following up. A FINAL WORD INTRODUCTION…

BUSINESS KNOWLEDGE SYSTEM By Brenda Thomson

There is no better way to win someone’s trust than to be genuinely interested in them (critical word there, GENUINELY).

One of the first things new business networkers are taught is the importance of having an interesting introduction, sometimes known as an ‘infomercial” or “elevator pitch”. But how well is your pitch serving your networking effectiveness?

No-one cares how much you know until they know how much you care about them. When you talk about yourself, you’ll be able to show your experience and knowledge, however, this should come later.

One of the first things new business networkers are taught is the importance of having an interesting introduction, sometimes known as an ‘infomercial” or “elevator pitch”.

Being genuinely interested and encouraging the other person to talk about themselves is showing how much you care – a critical first step in building a long-term relationship. Networking is all about building long-term relationships. I have no disagreement with my associates about that.

The idea is to ensure that you’re memorable and interesting enough for the other person to want to engage you in conversation and find out more about you. So instead of saying “I’m an accountant” you might say “I help people save money”. Or instead of saying “I’m a financial planner” you might say “I make sure people can afford the future they dream of”. The idea is to create interest and further discussion around what you do. And that is where I disagree! You don’t want to create interest and discussion around what you do; you should want to know all about what the other person does. It is FAR more important to be INTERESTED than INTERESTING. Showing an interest in others will make you a better networker in two critical ways: 1. IT SHOWS THE OTHER PERSON YOU CARE Every one’s favourite topic of conversation is themselves. If you encourage the other person to talk about themselves they will love you for it.

2. YOU’LL BE BETTER EQUIPPED TO FOLLOW-UP WITH YOUR NEW ACQUAINTANCES This is critical. The more you know about another person, the easier it will be to follow-up with them effectively. After meeting someone new, you should be able to answer the following: • •

• • • •

•

Can you make an informed decision about how you should follow-up? Would it be of value to have a oneon-one meeting with this person, or would you be wasting both of your time? Can you help them in some way? Can you introduce them to someone who can help them? Can you introduce them to someone they can help? And so on. Questions that can only be answered if you’ve talked about the other person and their needs, and not about yourself. Not everyone you meet at a networking event is going to be a good connection for you, or even someone you would want to work with.

ABOUT

YOUR

I just wanted to mention one final thing about introducing yourself at networking events … This is very personal for me and perhaps not the case for everyone but I wanted to mention it anyway. I hate game playing. Well I actually love board games and card games and party games, but I hate manipulative games. When someone says to me “I help people save money” I feel manipulated. If someone tells me they’re an accountant, I’ll instantly understand what it is they do. I’ll be wanting to know if they’re the sort of accountant I might be looking for and if they’re an accountant I can trust (and if so, I’ll keep them in mind for when I need an accountant or when someone I know does). I don’t want to have to first work out if they’re an accountant, a mortgage broker, a financial planner or one of the other myriad of professions that claim to help people save money. I hate it when someone does it to me and I don’t like doing it. Please don’t play games with the people you meet! So next time you’re at a networking event and someone asks what you do – ditch the pitch – it’s quite OK to be uninteresting. It’s far better to be clear about what you do. If you’re an accountant, a mortgage broker or a financial planner say so, in as few words as possible, and turn the conversation back to the other person. You’ll be glad you did! And if you don’t like what you hear – then perhaps they’re not a person you’d want to build a relationship with anyway. Until next time…

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AUSTRALIA ON ALERT AFTER VARIANTS FOUND (Australian Associated Press)

A highly infectious variant of COVID-19 has reached Australia and is spreading rapidly around the world. The first Australian case of the South African variant is a woman who arrived in Queensland on December 22 and went straight into hotel quarantine. “Genome sequencing has come back to show that she has this new variant that has been picked up in South Africa that is thought to be more contagious,” the state’s Chief Health Officer Jeannette Young said. The woman was on Tuesday transferred by ambulance to the Sunshine Coast University Hospital. The variant is causing concern around the world because it spreads faster than novel coronavirus, although it’s not necessary more deadly. The World Health Organisation is yet to determine whether the new variant – and another that developed recently in the UK – could undermine vaccines being rolled out around the world. The first Australians are set to be vaccinated by the end of March next year. At least 24 countries around the world have recorded cases of the South African or UK coronavirus variants, including Lebanon, Singapore, Pakistan, India, South Korea, Japan, France, Germany and Italy. Queensland Health Minister Yvette D’Ath said while other jurisdictions had detected a UK variant of the virus, this was

was the first time the South African strain had been confirmed in Australia. “We are absolutely confident that all proper measures were taken at the hotel and in the transfer, and of course at the hospital in relation to this positive case,” she said. Australia earlier this month confirmed it had identified two cases of the British variant in arrivals from the UK. The confirmation of the South African variant case comes as the federal government said it was considering granting “alternate entry” to Australians returning from overseas if they can prove they have already been vaccinated for the virus. “The Australian government is considering mechanisms for recognising an international immunisation certificate for COVID-19 and potential alternate entry and quarantine arrangements for returning Australians who may have been vaccinated if it is safe to do so,” a Health Department spokesman told The Sydney Morning Herald in a report published on Wednesday. And Immigration Minister Alex Hawke has repeated his threat to deport backpackers or expatriates caught having large parties in breach of public health orders. “I have asked the Department of Home Affairs to try to identify anybody who has been disobeying public health orders,” he told Seven’s Sunrise program on Wednesday. “If a person is a temporary visa holder we will cancel those visas or take action against those people.

“There is no excuse at this point. Australians are tired of it and we want to make sure that everyone is doing the right thing.” Meanwhile, there are fears in NSW that a COVID-19 outbreak in Sydney’s northern beaches area could have broken away into the broader community. The government is urgently trying to identify the sources of the infections of three people outside the virus epicentre of Avalon. One lives in Wollongong on the state’s south coast but recently visited Sydney. The others live in Sydney’s inner west and north. So far no immediate link to the northern beaches cluster, which now totals 129, has been found. As New Year’s Eve approaches, governments across Australia including NSW are warning residents to observe coronavirus restrictions and social distancing. Sydneysiders have been mostly banned from watching the famous New Year’s Eve fireworks from the harbour with the foreshore fenced off. The NSW government wants people to stay at home and watch the shortened seven-minute midnight firework show on TV. Meanwhile, Victorians are being urged not to venture into Melbourne’s CBD to celebrate New Year’s Eve after the state on Tuesday racked up its 60th day without any case of community transmission of coronavirus. So far, 909 people have died in Australia from coronavirus.

JANUARY 2021 | FIND GEELONG

FIND GEELONG | JANUARY 2021

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Retail Sales Surge, but outbreak Lingers

By Steven Deare (Australian Associated Press)

Retail sales surged by seven per cent in November, but border restrictions and other measures due to a Sydney virus outbreak could reduce retailers’ December joy. Victorians were largely responsible for the sizeable improvement on October trade, according to seasonally-adjusted data published on Tuesday by the Australian Bureau of Statistics. Victoria’s retail sales grew by 21 per cent after many shops re-opened in late October from months of onerous coronavirus restrictions. Black Friday and Cyber Monday promotions across the country also helped boost trade. Yet a coronavirus cluster originating in Sydney, which has spawned 90 infections, may limit sales at retailers’ favourite time of year.

Many holidaymakers have had plans scuttled as most states and territories require people from Sydney or NSW to isolate on arrival. The Western Australian government has blocked them from entering. There are also travel and gathering limits for the residents of Australia’s most populous city. CommSec senior economist Ryan Felsman said the outbreak would be of huge concern to retailers. He said department stores and fashion outlets could have fewer visitors as people isolate. The weekly ANZ-Roy Morgan consumer confidence index fell two per cent this week, and by more than five per cent in Sydney. NAB director of economics Tapas Strickland said if the outbreak can be contained, there is likely to be only a mild impact on retail sales.

A comparable example may be Adelaide, which had a three-day lockdown last month due to a virus cluster. South Australia had little change to its November retail sales result. The ABS did not provide a figure as part of its preliminary figures. Australian retail sales for the month were 13.2 per cent more than the same month last year. While this might seem remarkable given virus restrictions on trade, it is because the ABS retail sales survey does not include sectors hit hard by the pandemic such as travel and pubs and clubs. The bureau will publish its final monthly estimate for November on January 11.

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All Green Lights Ahead for Coranavirus Jab By Daniel McCulloch (Australian Associated Press)

There appears to be nothing but green lights ahead for a national coronavirus vaccine rollout early next year. Health Minister Greg Hunt is not expecting any more setbacks after being forced to dump a vaccine trial at the University of Queensland. Mr Hunt expects to have early assessment of two leading vaccines – one from Pfizer and the other from AstraZeneca – by the end of January. Australian regulators will then be asked to give the drugs the tick of approval, putting the national rollout on track to begin in March. Mr Hunt spoke to the global chief executive of AstraZeneca at the weekend. The company is working to finalise issues including the size of the first vaccine dose and the time before the follow-up shot. “There are no red flags at this stage. There are only green lights,” Mr Hunt told reporters in Melbourne on Monday. The minister’s comments came as New Zealand committed to forming a travel bubble with Australia by the end of March 2021. NZ Prime Minister Jacinda Ardern said the timeline was conditional on Australian government support and case numbers remaining low. Mr Hunt said Australia was ready to do its bit as soon as New Zealand was ready. “It’s good for the economy, good for our airlines and it’s good for both countries,” he said. Meanwhile, the mental and emotional toll of coronavirus on Australians appears to be easing, with fewer people feeling nervous or overwhelmed.

A survey conducted by the Australian Bureau of Statistics has shone a light on the hidden impacts of the pandemic. The survey followed up on wellbeing questions first asked in August, when Victoria was at the peak of its second wave and nationwide restrictions remained in place. Far fewer people were feeling restless or fidgety in November than when the questions were originally asked. There was also a significant drop in the percentage of people feeling nervous or that everything was an effort. The survey also revealed changes in the spending habits of Australian households. Australians uncomfortable spending time in large shopping centres because of coronavirus are increasingly turning to online sales. One in three people now prefer to shop online, the ABS has found. Two in five people say they feel somewhat uncomfortable shopping at large complexes due to coronavirus.

In another big shift towards online services, almost one in six Australians used telehealth services for medical appointments in November. State and territory governments continue to record very few cases of coronavirus, with all new infections linked to hotel quarantine. NSW recorded another three cases in hotel quarantine on Monday. State health authorities are treating 70 active coronavirus cases, with one person in intensive care. Most people (94 per cent) are being treated in non-acute, out-of-hospital care, including returned overseas travellers in special health accommodation. Victoria has recorded one more infection in hotel quarantine, with seven active cases in the state. South Australia reported its first COVID-19 case in more than two weeks – a man in his 40s in hotel isolation.

JANUARY 2021 | FIND GEELONG

FIND GEELONG | JANUARY 2021

New Look

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New Website

Your library has a whole new look. While we were closed we have designed a new logo, built a new website and installed a new library management system. As with any large project there have been some teething issues and we are working to resolve them as fast as we can.

Restrictions Easing With restrictions easing, we are able to have many more people in the libraries. Social distancing requirements still apply, and everyone will be required to scan or log in for contact tracing. Other changes include no limits to PC bookings and PC bookings from home have been enabled. Click+Collect and Home Delivery Service are still availble. The website always has the current information - please check Current Services for any changes.

More Information

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Summer School Holiday Program We are so excited to be able to provide a mix of online and in Library events this coming School Holidays! All the fun starts on Monday 11 January and continues right through to Friday 22 January. Visit your local Library and collect an activity kit or view our online events from our Facebook page, with a few events hosted via Zoom. Be sure to book ahead to receive your zoom invite. All events are FREE!

Browse Events

NGV Kids @ Your Library Collect an art activity pack produced by the National Gallery of Victoria and create artworks at home. Send your artwork back to the library for display, or post a photo, and go in the draw to win a voucher from a local bookshop. You will receive an email when your pack is ready for collection. Packs will be distributed from Monday 11 January - Friday 22 January, or until booked out. Packs can be collected from Realm, Knox and Lilydale Libraries. Bookings essential.

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2020 TA Coronavirus Supplement Payment Extended Again to March 2021 The Federal Government is extending the payment period again for Coronavirus Supplement to 31 March 2021. It was previously extended to 31 December 2020. However, during the extension periods the level of payment is falling from the original $550 per fortnight. Up to 31 December 2020 is new supplement is $250 per fortnight and this will be lowered to $150 per fortnight to 31 March 2021. The full Coronavirus Supplement amount is payable to the individual, provided they qualify for an eligible income support

Announcement (23-Mar-2020) Updated: (12-Nov-2020)

payment. Other changes to the supplement will include the re-introduction of means testing and liquid assets waiting period. However, original COVID-19 adjustments, such as increased cut-off levels for partner income and reduced waiting times will still apply.

Granny Flat Arrangements Set for CGT Exemption A “targeted” capital gains tax exemption relating to granny flat arrangements has been proposed in the 2020 federal budget. The announcement intends to remove financial impediments to the creation of formal and legally enforceable granny flat arrangements. Often, it is informal arrangements which can inevitably

Announcement (6-Oct-2020)

lead to financial and elder abuse. Any proposed announcement must go through the legislative process.

Updated: (12-Nov-2020)

The proposed CGT exemption will have effect from 1 July in the following income year after Royal Assent.

JobMaker Hiring Credit JobMaker Hiring Credits will be available to eligible employers who hire new employees between 7 October 2020 and 7 October 2021. The credit is available for up to 12 months of employment and is capped at $10,400 per new employee. The new employee will be required to work at least 20 hours

Announcement (6-Oct-2020) Consultation (27-Nov-2020) Intoduced (7-Oct-2020)

a week and previously been receiving JobSeeker Payment, Youth Allowance (Other) or Parenting

Passed (11-Nov-2020)

Payment. They also need to be under 35 years of age and sign a relevant nomination form. The ATO is

Royal Assent (13-Nov-2020

facilitating the scheme, with quarterly claims commencing in February 2021.

Date of effect (7-Oct-2020)

NT COVID-19 Stimulus Package - JobMaker “Booster” Announced On 10 November 2020, the NT budget announced the JobMaker “Booster” wage subsidy for small businesses in the Northern Territory. This wage subsidy intends to run alongside the federal government subsidy, ensuring that employers will get $200 per week for any new hire during the scheme. This subsidy is on top of the other NT government stimulus packages announced and extended since the beginning of the COVID-19 pandemic. Payroll tax exemptions, deferrals and waivers are available for most businesses affected by the pandemic. For small and medium businesses in the Territory that can

Announcement (9-Apr-2020) Update (18-Nov-2020)

show that they have suffered substantial hardship due to the COVID-19 pandemic, payroll tax will be waived for 13 months. Larger businesses will get a 12-month deferral. The Territory Government will also lower power, water and sewerage bills by 50 per cent for businesses until 1 July 2021.

Temporary Full Expensing of Depreciation Assets The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used, or installed ready for use, between 7:30pm AEDT 6 October 2020 and 30 June 2022. Unlike prior rules on instant asset

Announcement (6-Oct-2020)

write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any

Consultation (6-Oct-2020)

value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Since the legislation has been enacted, further amendments will be made to the laws to allow businesses a choice in using full expensing or not. In certain situations, it may be beneficial to spread out tax deductions over multiple years. Also, certain large entities will have separate eligibility criteria.

Intoduced (7-Oct-2020) Passed (9-Oct-2020) Royal Assent (14-Oct-2020 Date of effect (6-Oct-2020)

AX UPDATES Accelerated Depreciation via Backing Business Investment Businesses with less than $500 million in aggregated turnover can accelerate depreciation deductions for new assets in the 2019-20 and 2020-21 income years. Accelerated depreciation rules for these entities have subsequently been superseded by new ‘temporary full expensing’ legislation in November 2020. However, the option to use accelerated depreciation continues. Accelerated depreciation is available for assets in the first year the asset would ordinarily claim a deduction. In the first year a deduction is allowable for 50% of the installed cost of the asset plus regular depreciation rates for the remainder. The Backing Business Investment measures are in concert with the extension of the instant asset write-off.

Announced: 11-Mar-2020 Updated: 7-Dec-2020

However, it may only be relevant for some clients until 6 October 2020, when the full expensing regime commenced. Small businesses using pooling can use a 57.5% write-off for assets purchased after 12 March 2020 that do not qualify for immediate write-off in the 2019-20 income year. Small business entities are also covered by the new full expensing legislation.

Instant Asset Write-off - COVID-19 Tax Stimulus Package The instant asset write-off will be available for the majority of businesses during some part of the 201920 and 2020-21 income years. For purchases between 12 March 2020 and 6 October 2020, businesses under $500 million in turnover can get an immediate tax deduction for assets costing less than $150,000. In the purchasing time frame, the asset needs to be first used or installed ready for use by 30 June 2021. In the legislation, the update also extends to the low value pool for the 2019-20 income year. An entity with a small business pool balance of less than $150,000 will be able to write off the entire balance (up

Announced: 11-Mar-2020

from $30,000). For the 2020/21 income year, general small business depreciation pools may be written

Updated: 7-Dec-2020

off in full in accordance with the full expensing rules. 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 lodgment of the tax return. Subsequent legislation introduced into parliament will allow businesses an option of using the instant asset write-offs or to depreciate new assets over their effective life.

Payment Times Reporting Scheme The Payment times reporting scheme is commencing 1 January 2021, providing small businesses with greater understanding of the corporate treasury management processes within large business. In the publicly available report, information about how quickly a big business pays a small business for goods and services is delivered. This can provide a small business a snapshot regarding how quickly they

Announcement (10-Oct-2020) Intoduced (13-May-2020) Passed (6-Oct-2020)

could expect payment for work with a big business, which may help decision making. Small businesses

Royal Assent (14-Oct-2020

also will have the option of opting out from the reporting scheme. This will mean that their identify as a

Date of effect (1-Jan-2021)

small business will remain unknown to a big business throughout the relationship.

Corporate Residency Test to Change for Foreign Companies A ‘significant economic connection to Australia’ test is a rule proposed to be added to Australian tax residency for foreign incorporated companies. Announced in the 2020 federal budget, this measure draws on a key recommendation of a Board of Taxation report into corporate residency. The new test will be applied to foreign incorporated companies prior to determining the central management and

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

control test. As part of the announcement, foreign incorporated companies will be required to pass

Royal Assent

both tests to have their worldwide income taxed in Australia.

Date of effect

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Ways to celebrate the New Year safely in Greater Geelong Update Thursday, 31 December: From 5pm Thursday 31 December new COVID-19 restrictions will be in place throughout Victoria. While New Year’s Eve celebrations will look a little bit different this year without fireworks, there are still many COVIDSafe ways to celebrate the end of a very challenging year. We’ve compiled a few different ways you can bid farewell to the year that was – whether that’s at home, outdoors or at a local venue. Please make sure you’re across the current COVID-19 restrictions in place for Victorians, particularly around maskwearing and gatherings. Celebrate at your local Has it been a while since you stopped by your local pub or restaurant? Leave cooking for 2021 and see out the year with a deliciously prepared meal. Invite a few friends and family for your booking and it’ll be a celebration in no time. Not only will you save on dishes, you’ll also be helping support a local business after an extremely challenging year. Prefer to dine outdoors? With more than 50 temporary outdoor dining permits issued to local hospitality businesses, there are more spots to eat outdoors than ever before.

Find a list of businesses with outdoor dining via Visit Geelong & the Bellarine or Central Geelong Marketing. Don’t forget to book ahead to ensure you get a table. Embrace the space outdoors With 334 parks, 133 kilometres of coastline and 90 square kilometres of open space available in the region, there are plenty of spots to choose from to bring in the New Year. Pack a picnic, head to your local fish and chips shop or stop by the butcher for BBQ supplies and set up at one of our many parks and reserves to embrace the space with loved ones. Find some tips on hosting a COVID-Safe picnic. For some inspiration on locations and hidden gems, visit our Embrace the Space page. Attend a COVID-Safe event While there may be no fireworks this year, there are still many local venues hosting COVID-Safe events to help you bring in 2021 – and without the clean up afterwards!

You may like to sing-a-long to classic hits at Piano Bar or be entertained by local musicians at the Inn Hotel. There’s even a new venue in Central Geelong to try out: Bathers. Located upstairs at the Beach House at Eastern Beach, the venue will have DJs pumping music throughout the night at perhaps one of the most iconic settings in the region. A list of venues in Central Geelong with New Year’s Eve entertainment can be found at the Central Geelong Marketing website. It will also be one of your last chances to catch the City’s Floating Christmas Tree sound and light show or Christmas projections at City Hall. The tree show runs every 15 minutes from 8.30pm to midnight and the projections are on between 8.30pm and 11.30pm – both will finish up on Thursday 7 January. For other New Year’s Eve events happening around Geelong visit the Events Geelong page. The tree show runs every 15 minutes from 8.30pm to midnight and the projections are on between 8.30pm and 11.30pm – both will finish up on Thursday 7 January. For other New Year’s Eve events happening around Geelong visit the Events Geelong page.

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Celebrating at home Opting to spend the night in with a handful of loved ones? There are still many things you can do at home. Kicking off at 8.30pm the ABC will broadcast its annual New Year’s Eve program, with this year’s theme We Are One. The program will be hosted by Zan Rowe and Charlie Pickering with a line-up of Aussie talent and musical performances. As the clock hits midnight, the ABC will live broadcast Sydney’s 7-minute New Year’s Eve fireworks display. Visit the Victoria Together website for some of Victoria’s greatest digital experiences, including podcasts, activities for kids, trivia and more.

Grab some popcorn, dim the lights and enjoy a film featuring New Year’s Eve. Some classics include, When Harry Met Sally, Rent, About a Boy, Bridget Jones’s Diary, Ghostbusters II and New Year’s Eve.

In life threatening or situations, please call 000.

Have a safe night

If you need support during this time, a list of resources are available via Give Where You Live Foundation.

While bidding farewell to a challenging 2020, it’s important we celebrate the New Year safely by taking care on the roads and looking out for each other. If you witness the use of illegal fireworks in your neighbourhood, please make a report by calling Crime Stoppers on 1800 333 000 or online at the Crime Stoppers website.

emergency

For urgent matters on Council-owned land or property, please call 5272 5272.

2020 has been an exceptionally hard year for the whole community. We thank you all for your ongoing efforts to keep our region safe. Happy New Year Greater Geelong!

Breaches of COVID-19 restrictions can be reported to Victoria Police by calling the Police Assistance Line on 131 444.

Community encouraged to celebrate extraordinary women Community News and Updates

Local businesses awarded recovery grants

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Are you Not-For-Profit in Geelong Area? Advertise your events for FREE on the following pages. Are you a NFP with an up-and-coming event? If so, email your event to editor@findgeelong.com.au and we will place it in the paper for FREE.

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What is your Child’s Love Language? We know that loving our children has a vital impact on developing well-adjusted and resilient individuals, prepared for their future. But how best to express that love and engage with them at a meaningful level is the tricky thing. Each child is unique and they often ‘speak a different language’ when it comes to having their deepest needs met. Our first child engaged with me best by hitting, catching and throwing balls. Physical activities were his dominant love. Our second child however, engaged best with me through books and art related activities. That was his dominant love. This different way to engage, caught me by surprise and took me longer than it should have to realise how different our first two children were. To make connections with our children and engage with them where they are at, it’s worthwhile considering what sorts of things make them tick. One helpful strategy for this is to discover their ‘Love Language’. Some of you will know of The Five Love Languages that Gary Chapman has written extensively about. They can be very helpful in how we can best connect with our children - in the way that is most relevant for them. The Five Love Languages are:

ͳǤ ʹǤ ͵Ǥ ͶǤ ͷǤ

Physical Touch Ǧ ǡ ǡ Words of Affirmation Ǧ encouraging comments that build a child’s selfǦ Quality Time Ǧ Acts of Service Ǧ ȋ Ǩ☺Ȍ Gifts Ǧ

The principle is that usually we each have a first and second language of dominance. As individuals we are prone to giving out what we most enjoy receiving which doesn’t always hit the mark. For example one of my primary love languages is Words of Affirmation, so in attempting to love one of my children with lots of words when his primary love language is Gifts will not cut to the chase. It will be as if he and I are speaking different languages. Although we each seem to gravitate to one or two of these love languages, healthy relationships should include all five languages, at least to some extent. For example my wife’s least favourite love language is Gifts, but if I forget to buy her a present for her birthday, she’ll be disappointed. There’s some very good on line tests and surveys to help determine which of the five love languages are most important for our respective children. Try googling, ‘What is my child’s love language?’ There are also some great follow up ideas and fun activities for each love language. Try this link: Big Life Journal

All the best! Kind regards, Rob. (Leopold PS Chaplain) hunter.robert.d@edumail.vic.gov.au

findgeelong.com.au

JANUARY 2021 | FIND GEELONG

FIND GEELONG | JANUARY 2021

findgeelong.com.au

JANUARY 2021 | FIND GEELONG

The Difference One Hour Can Make By Sally Edgerton

EdConnect Australia works with students (primary and secondary) to support their academic potential and emotional wellbeing in school and in life. At the centre of EdConnect Australia is a belief in the power of relationships. For children to thrive, they need to be connected to and supported by an extended network of caring people with the time to listen and provide guidance. EdConnect is a school based program with volunteers dedicating their time during school hours, on school grounds. Our services are designed to improve student’s literacy, life skills, self-esteem and self-confidence which contribute to improving learning outcomes and improved student achievements. Without support of this nature many students can become disengaged from school, usually resulting from behavioural and social skills problems or barriers they have developed towards learning. EdConnect matches volunteers with young people in schools who need additional support – either through oneon-one mentoring or various classroom learning support roles. The volunteer’s interests are matched with a school that has compatible needs and comprehensive training is provided for the volunteers by an EdConnect Liaison Officer in your local area. If you have a passion to help young people and can give an hour of your time weekly, please apply online today. http://www.edconnectaustralia.org.au or phone 1800 668 550 to find out more. Watch this video entitled “The Difference One Hour Can Make” https://youtu.be/ d7xc6PyT0GM to learn more about the difference one hour of your time can make to both you and a student’s life. Video created with assistance of City of Greater Geelong.

JANUARY 2021 | FIND GEELONG

FIND GEELONG | JANUARY 2021

findgeelong.com.au

JANUARY 2021 | FIND GEELONG

Hyundai A-League - Western United FC games After taking the A-League by storm in their inaugural season, Western United return to Geelong this summer.

The Green and Black’s form in Geelong was solid in 2019/20, winning four games and drawing once in eight games.

Monday 28 Dec - Western United vs Adelaide United - kick-off at 7pm

Mark Rudan’s side also managed to score 16 goals at GMHBA Stadium, at an average of two goals a match.

Saturday 23 Jan - Western United vs Perth - kick off at 5pm The following two scheduled games have been postponed as a result of COVID impacts: Wednesday 6 Jan - Western United vs MacArthur FC Tuesday 12 Jan - Western United vs Wellington Phoenix (NZ) New dates will be announced soon for these games. After one of the longest off-seasons in world football, the A-League and Western United are set to return in just a few weeks. Looking to build off a semi-final berth in their inaugural season, Western United begin their 2020/21 campaign on 28 December against Adelaide United at GMHBA Stadium, Geelong.

Tickets: www.wufc.com.au

When 23 January 2021, 05:00 PM Where Kardinia Park Stadium 370 Moorabool St, South Geelong Facilities • Catering and/or dining

In celebrating their two-year anniversary, Western United FC are offering Geelong a special membership deal this summer. You can join Western United as a General 3 member at a special price normally reserved for renewing members. Benefits include:

•

First Aid available

•

Parking available

•

Seating/viewing areas

•

Toilets available

•

Undercover areas

•

Wheelchair accessible

• • •

Access to any 3 home games in Melbourne, Geelong or Ballarat 10% off additional match tickets for guests 15% off merchandise Member pack including cap, pin, and sticker

To redeem this offer and join for season 2020/21, head to www.wufc.com.au/ friends and use the code WUFCFriends. You can also join by contacting our friendly membership team on 1300 GO UNITED (1300 46 86 48 33).

Contact • Kardinia Park Stadium Trust • Email: enquiries@kardiniapark.vic. gov.au • Phone: 03 5224 9111 • Associated organisation: Kardinia Park Stadium Trust • Website: https://www.kardiniapark. vic.gov.au/

JANUARY 2021 | FIND GEELONG

FIND GEELONG | JANUARY 2021

findgeelong.com.au

Fund raising to enable our service communities to support local and International organisations has been limited in these Covid times for all NFP’s. Kardinia Rotary Club in the spirit of supporting our communijty are proud to present a new initiative - Geelong Gourmet Goodies. These gift boxes of all Geelong and Regionally produced products are injecting much needed funds into local businesses who are also struggling. They are a are perfect solution for: 1. Gifts for family and friends that it are always difficult to buy for at Christmas 2. Businesses to present to a. Their employees in recognation of excellent service in lieu of a Christmas Party b. Their customers of clients for their patronage throughout the year. 100% of the proceeds from the sales supports the Rotary Club of Kardinia’s community service projects.

Geelong Gourmet Goodies • • • • • • •

Beautifully presented gift boxes of Geelong tasty treats Support local businesses Great gift for family, friends, staff or clients Two sizes to choose from - $80 or $120 Funds raised support Rotary projects here & abroad Free Delivery within 50kms of Geelong CBD Deliveries early December or by arrangement

ORDER BY 30 NOV: https://kardiniarotary.org.au/page/geelong-gourmet-goodies Or return the following order details by 30th November to szakielk@gmail.com Name:

Order:

Delivery Address:

$80 Gift Box Quantity

Email:

$120 Gift Box Quantity Total: $

x $80 x $120

Preferred Payment Method: (please tick)

Phone: EFT - Thanks you we will email you an invoice with payment details Credit Card - Type: Visa

Mastercard

Name on Card

Card Number: Expiry:

CVV:

Delivery Instructions:

Any queries please call Phil 0408 323 430

findgeelong.com.au

JANUARY 2021 | FIND GEELONG

$80

Geelong Gourmet Goodies $80 Gift Box Contects*: Daryl’s Fresh Roasted Peanut Butter

Lighthouse Extra Virgin Olive Oil

Jennings Cold Extracted Honey

Freckleberry Chocolate Tree

Madeleine Rose Spiced Apple & Pear Chutney

Otway Tiny Rock Boiled Lollies

The Fudge Man - Caramel Fudge

Otway Strawberry Preserve

Bellarine Brownie Turkish Delight & Pistachio Rockey Road

Manzillo Tuscan Marinated Olives

$120

Geelong Gourmet Goodies $120 Gift Box Contects*: Screaming Seeds Mixed Spice Park & Recipes

Lighthouse Extra Virgin Olive Oil

Wildings Spanish Onion Marmalade

Freckleberry Chocolate Tree

Daryl’s Fresh Roasted Peanut Butter

Otway Tiny Rock Boiled Lollies

Jennings Cold Extrated Honey

Otway Strawberry Preserve

Madeleine Rose Spiced Apple & Pear Chutney

Wildings Orange & Fennel Sea Salts

Adelia Spiced Pistacho Dukkah

The Fudge Man - Caramel Fudge

Adelia Raspberry & White Chocolate Pancake Mix

Manzillo Tuscan Marinated Olives

Bellarine Brownie Turkish Delight & Pistachio Rocky Road

Most products are Gluten Free * If a product is unavailable it will be replaced with a product of similar value

JANUARY 2021 | 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)

WHATâ&#x20AC;&#x2122;S IN THE FIRST FIND CACHE

Find Cache will start on the next edition

JANUARY 2021 | FIND GEELONG

Geelong Free School Holiday take-home craft activities!

Crafternoons here we come! From DIY Kite Kits to colour in Drink Bottles, get creative these School Holidays. Each day over the January school holidays enjoy a free take-home craft activity kit on us thanks to our friends at Funbox! Enjoy a new take-home activity each day. When: Monday 18 January - Sunday 31 January Where: Malop Street Mall Time: 10am - 2pm You get more with Westfield Plus these School Holidays. Download the free app today to receive a a bonus gift! Get the most out of every visit to Westfield Geelong with our new membership program, Westfield Plus.

Download the Westfield Plus app today to be the first in the know about what is on at Westfield Geelong > Terms and Conditions

Until stocks last. One per child. Offer correct at time of publishing. Image used for promotional purposes only.

Tarocash: The must have shorts this season Stretch Check Short is comfortable, breathable, and stylish - perfect for the summer months ahead. A check is an effortless way to elevate your outfit by incorporating a hint of pattern, but without going over the top. Team with our Roman Stretch Muscle Polo for a classic go-to for a Friday night or daytime summer session– available in 3 colours (Navy, Black, and Burgundy), so you can have a fresh new look for all your smartcasual events over the holiday season!

How To Wear Shorts With Style Summer is here - it’s time to refresh your wardrobe into full summer outfitting mode. Shorts are a staple in every man’s wardrobe and an absolute essential for the hot summer months. Smart casual has become the uniform of 2020, and shorts are the perfect item. Shorts will keep you cool and comfortable and are super versatile - you can wear them relaxed or dress them up for a more smart-casual vibe and can be easily teamed with a tee, polo, or a shirt. Find the right shorts for you:

burgundy Aries Print Shirt with the Lucas Boat Shoe for the perfect smartcasual look for when you’re ready to hit the bar.

*If you’re looking for something a bit smarter for that summer evening outing, team your shorts with a lightweight Linen blazer – try our 5 -star rated Wilson Linen Blazer! Shorts to kick back in: Nothing says summer chill like denim shorts – whether a BBQ, bar, or the beach is calling, a classic pair of denim shorts are the perfect fit.

Classic shorts can be worn every day with an Essential Cotton T-Shirt for a more casual vibe or styled with a button-up shirt to bring you from day-to-night.

For those that want to keep it simple and effortlessly chilled this summer try a pair of Linen Shorts! The Natural Thornton Linen Short, in Navy and Natural are the perfect keep cool shorts made with breathable linen. Whether it’s kicking back at the weekend or heading to a smart-casual event, these versatile shorts will have you looking smart and fashionable for any BBQ or beachside bar. Shoes to wear with shorts:

Shorts to wear every day: Make stretch cotton shorts your go-to for summer. This staple summer item is breathable to keep you cool and the stretch fabrication makes them comfortable and easy to wear whatever the occasion. If you like a more relaxed fit choose from up to 14 colours of the Jimmy or Benji regular fit shorts. If you like a more fitted style, opt for the Ulto Slim Fit Shorts made with extra stretch.

Shorts to keep cool in:

A t-shirt is an obvious thing to wear with denim shorts, but step it up this summer and wear them with a best-selling linen shirt - add the Harry Slip-On Shoe or the Sammy Lace Up Shoe – both in tan, with a pair of sunnies and you’re ready for that chilled and comfortable summer evening. Shorts to step up your style game: Be the man of the hour in the most ontrend style of 2020 – check shorts. Hallett

Struggling to know what shoes to wear with your shorts? Our new Lucas Boat shoes are this summer’s key shoe that should sit hand in hand with your shorts - a versatile and staple item in every man’s wardrobe. Available in Tan, Navy, and White, these can truly be paired with anything – we love to keep things easy for you! Another smarter style shoe that will dress any shorts’ outfit, is our 100% European Suede Taylor Loafers. Try a linen shirt and cotton stretch shorts for the ultimate smart-casual vibes or switch up a dresser shirt for those smart evening vibes.

FIND GEELONG | JANUARY 2021

findgeelong.com.au

RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

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

WHERE WE WORK

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

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

WHAT WE DO We donâ&#x20AC;&#x2122;t sell proucts but provide simple retirement planning solutions. Bendigo | Geelong | Melbourne

info@retirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

findgeelong.com.au

JANUARY 2021 | FIND GEELONG

DO RETIREES NEED A PROFITABLE HOBBY?

RETIREMENT By Bernard Kelly

Today the concept of Retirement has lost its sharp definition. Today retirement is best described as those 25-35 years after we leave the workplace. And the related issue is that – for the first time ever since birth – we have to determine our own future. Which includes how best to generate some income to supplement the pension and the crumbs available from super.

superannuation balances of less than $100,000. 50 percent of women in that same cohort had balances of less than $40,000. We’ll need to keep working as long as possible, but if we can’t find a job later on, will the pension and super be adequate to maintain our lifestyle? The answer is obvious, so we need to create an income through some form of self-employment.

There is a growing realization that, as we pass age 65, a woman has a probability (i.e. a better than a 50/50 chance) of reaching age 93 while a man’s probability is to reach age 91.

Our superannuation nest egg will be inadequate to support our lifestyle indefinitely, and many of my articles over the years have included the benefits of having a “profitable hobby” in retirement.

These ages are when the average “estate event” is likely to occur. It’s becoming obvious that over half of us will be living well into our 90s.

We’re going to need additional income to be able to afford to visit the dentist, or to replace those worn car tyres.

And that’s a long time to be bored, especially if we’re on a meagre income. In October 2017, ASFA reported that around 50 percent of men age 60-64 had

The benefits from such a profitable hobby are not only financial – various TED Talks tell us that we’ll also maintain better health when our social interactions across the community remain vibrant.

And with a profitable hobby, you’ll find that your clients replace those friends that you lose along the way. Of course, even traditional hobbies - such as short story contests - will expand your mind and change your world and keep you stimulated. But they won’t generate an income for you. So let’s return to the issue at hand - the best solution to generate additional income as a senior is to take whatever hobby you have, and convert it into a “profitable hobby”. Not only will you have additional income, but you’ll also avoid other age-related issues – such as becoming invisible and irrelevant.

Bernard Kelly Bernard Kelly is the author of “Towards Successful Aging”. bernardkellygeelong@gmail.com

JANUARY 2021 | FIND GEELONG

PAGES

PROFESSIONAL SERVICES INSURANCE

Special Tax Return Offer

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

$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.

• 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 • Find Accountant ----------------- 46 • Find Insurance ------------------- 46 • Bookkeeping ---------------------- 49 • Business Coach ------------------ 47 • Business Knowledge System --- 49 • Copywriter -------------------------- 48 • Lawyers ------------------------------- 48 • Leadership Coach ------------- 46 • Mortgage Brokering ---------- 47 • Painting & Decorating ------- 47 • Video Confidence ------------- 48

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

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PROFESSIONAL SERVICES

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

OUR SERVICES

• Refinancing • Home Loan • Buying your First Home

LEE WISNIEWSKI Mortgage Broker Fidget Loan Specialist

0401 272 505

lee@fidget.com.au

www.fidget.com.au

• Investing in Property

PO Box 633, Geelong VIC 3000

• Car Loans

Level 20,31 Queen Street, Melbourne VIC 3000

DEVELOPING EXCELLENCE IN BUSINESS SERVICES MENTORING

WORKSHOPS

COACHING

ONLINE TRAINING

MASTER CLASS

VIDEO PRESENTATIONS

IN-HOUSE TRAINING

DEB FRIBBINS Business Coach | Mentor

CONTACT 0400 524 451

www.developingexcellenceinbusiness.com.au

deb@debconsulting.com.au

DICOVER MORE ABOUT THE 5D PROCESS

Meet Your Brand Story Experts We match your message to your markets Be the Business you want to see in the world!

SERVICES Authentic Thought Leadership Articles Bold Branding Design Strategy Catchy Content Marketing Landing Pages & Leads Magnets

CONTACTS 0487 044 478 akasha@strategygoto.com www.strategygoto.com

Customer Experience Design Over twenty years experience helping local and international startips, businesses, and organisations rocket their sales and grow loyal communities.

AKASHA ROSE COPYWRITER

JANUARY 2021 | FIND GEELONG

PAGES

PROFESSIONAL SERVICES

In Business what you don’t know CAN hurt you! With the BB4G BIPlan® Business Assessment and Planning System you’ll discover the gaps in your business practices, create a dynamic plan for a BETTER business and contribute to a BETTER world.

All for only $1 a day and in around an hour a month. BRENDA THOMSON Business Knowledge System

Suite 563, 585 Little Collins Street, Melbourne, Victoria 3000 (Australia)

brenda.thomson@bb4g.co

0428210447

www.bb4g.co

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

CONVEYANCING & LEASES

PROBATE

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

COMMERCIAL & CORPORATE

CRIMINAL LAW

Available 24 hours

FAMILY LAW

ADVOCACY & MEDIATION

0429 312 986

WILLS & ESTATE PLANNING

IMMIGRATION & VISAS

john@vanbeveren.com.au

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

JOHN VAN BEVEREN Lawyers & Conveyancers

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

OUR SERVICES

Full of Video Strategy & Marketing at Video

1/16 Redfearn Court Corio Geelong 3214 430 473 204

zoe@vcc.training

ZOË WOOD

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

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PROFESSIONAL SERVICES

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

MARY-CLEAR SWITZ Bookkeeper

CONTACT

BAS Services

0422 800 012

Bookkeeping & Payroll

mc@biscuitbooks.com.au

Services Business Services

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

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

TRADIES - FREE ADVERTISING Email your artwork to editor@findmaroondah.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.findmaroondah.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@findmaroondah.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

JANUARY 2021 | FIND GEELONG

PAGES

LOCAL TRADIES

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

Email your ad to editor@findgeelong.com.au

INDEX

DAHLLOF PAINTING SERVICES

PROFESSIONAL SERVICES • Painting Services • Garage Doors • Builder • Electrician • Painter • Plasterer • Property Maintenance

Concept to Creation - Perfect From Start to Finish CONTACT US

OUR SERVICES

We are lacated in Geelong, Victoria!

PAINTING SERVICES

Stephen Dahllof Painting Services

INTERIOR PAINTING

Servicing Geelong and Surrounding Areas

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

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

• Mon to Fri: 9:00 am - 5:00 pm

sales@cruzingaragedoors.com.au

• Sat to Sun: CLOSED

www.cruzingaragedoors.com.au

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

TRADIES - FREE ADVERTISING Email your artwork to editor@findgeelong.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.fingeelong.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@findgeelong.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

JANUARY 2021 | FIND GEELONG

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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

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 JANUARY 2021 | FIND GEELONG

GEELONG

Support your Local Not-For-Profit

Find Coffee

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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

31 January - 31 December 2021

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

FIND CARD LOCAL OFFERS

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

LOCAL COUPONS OFFERS

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

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BREKKY, BRUNCH & LUNCH DISCOVER A NEW LEVEL OF TASTE

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

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& Lunch

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COFFEE

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

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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 editor@findgeelong.com.au 1300 88 38 30

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

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Coupons &

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

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

Find Cards Policy

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

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

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

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

PRESENT VALID FIND CARDS

VALID

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

NOT VALID

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

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

Find Geelong - January Edition

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Find Geelong - January Edition