Find Geelong - July Edition by Find

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JULY 2020

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GEELONG COUNCIL NEWS

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GOING INTO DEBT TO RENOVATE? THE HOMEBUILDER PROGRAM Se e

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JULY SPONSOR

MORTGAGE BORKER MELBOURNE

FINANCIAL PLANNER GEELONG

0401 272 5050 lee@fidget.com.au

www.fidget.com.au

1800 734 225 admin@masteryourmoneynow.com.au www.masteryourmoneynow.com.au

COLUMNIST CONTRIBUTORS PERSONAL INSURANCE | FOUNDER

TEAM/LEADERSHIP COACH

LOAN SPECIALIST

FINANCIAL PLANNING

WARREN STRYBOSCH

SALLY HIGOE - FACILITATOR

LEE WISNIEWSKI

CHRIS CARLIN

REAL ESTATE RENTALS

PAINTING & DECORATING

GARAGE DOORS

EDIBLE BOUQUETS

WARREN RAPSON TRAVEL SERVICES

TK SAUNDERS

CHANTAL DJURIC

STEVE DAHLLOF

BUSINESS COACH | MENTOR

COPYWRITER

MARKETING

AINSLEY SOFFEE

DEB FRIBBINS

Article coming next month.

ACCOUNTANT

ELECTRICIAN

BOOKKEEPER

Article coming next month.

SOLICITOR | LAW

Article coming next month.

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

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

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

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

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

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NEXT ISSUE Next Issue of the Find Geelong will be published on Friday August 7, 2020. Advertising and Editorial copy closes Friday July 31, 2020.

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Recycling in Geelong - It is important to understand the new rules By Warren Strybosch

With more and more people working from home and China’s ban on foreign waste, local councils have had to change what goes into the ‘blue’ recycle bins. Geelong residents will need to relearn what can and cannot be placed into the blue bin. The aim of the changes is to try and have as many items recycled locally but with limited recycling plants, this has forced more items being dumped into landfill rather than being recycled. One of the biggest changes that has occurred is with plastics. Going forward, many councils will only allow rigid plastic items and containers to be placed in the blue recycling bins. All flexible or soft plastics must be placed in the in the green landfill bin. In the past you would need to refer to certain costs that were placed on the plastic containers as follows: These codes are no longer used as it was very confusing for people to work out what was acceptable or not. Also, not all plastics had codes which caused lots of confusion.

What does Geelong not accept in the blue recycle bin: • • Batteries • Recycling in plastic bags • Plastic bags • Soft plastic packaging eg. bread bags, chip packets, pasta packets, frozen peas packets • Cling wrap • Window glass • Mirrors • Drinking glass • Light globes • Pyrex • Polystyrene • Rubber • Tissues • Nappies • Syringes and needles • Wood • Textiles • Appliances / electronic waste

• • • •

Food scraps Green waste Medical, chemical or hazardous waste Waxed or soiled cardboard.

They request that all pyrex, white glass, mirrors, drinking glasses, light globes and ceramics are wrapped in newspaper for safety before being placed into the garbage bin. Interestingly enough, not many people will have access to newspaper and so the council will have to reconsider how local residents will wrap these items up in the future. For more Geelong Council information related to recycling go to: Click Here

Electric Cars Set To Drive Grid Safely By Katina Curtis, AAp Senior Political Writer

(Australian Associated Press)

Electric cars will be used to back up Canberra’s power grid in a nation-first trial. A fleet of 51 ACT government electric cars are involved in the trial run by the Australian National University, which aims to demonstrate the feasibility of “vehicleto-grid” services. The cars will be able to feed power from their batteries back into the grid almost instantly when needed to help avoid blackouts. Lead researcher Bjorn Sturmberg said the idea worked in the lab, but his team needed to show it worked in the real world.

“One EV battery typically contains as much energy as an average household uses over two-to-four days and can react to events in a tenth of a second,” he said on Wednesday. “If all of Australia’s 19 million vehicles were electric, they would store more energy than five Snowy 2.0s, or over 10,000 Tesla big batteries.” ACT Advanced Technology Minister Mick Gentleman says if the project is successful, it could be extended to private vehicle owners and lead to people being paid to have their cars feed back into the grid. The trial is jointly funded but the ACT government and the commonwealth’s Australian Renewable Energy Agency.

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FIND GEELONG | JULY 2020

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Apprentice wages will get extra subsidies By Katina Curtis, AAp Senior Political Writer

(Australian Associated Press)

The federal government is beefing up its support for training in a bid to equip school leavers and young Australians with the skills the nation will need after the coronavirus pandemic. It will add $1.5 billion to wage subsidies for apprentices and trainees, expanding the scheme announced in March to cover medium-sized businesses with under 200 employees and extending it for six months, until March 2021. Assistant training minister Steve Irons said this would dramatically improve the viability of apprenticeships in tens of thousands of businesses across Australia. The initial program, announced as part of the government’s first tranche of coronavirus economic support, covered half of an apprentice’s wage for nine months until the end of September.

Its expansion gives it the potential to cover more than 91,300 businesses. Prime Minister Scott Morrison is also offering states a billion-dollar plan to offer free or very low cost short courses to 340,700 school leavers and people looking for work. The new National Skills Commission will identify which specific skills shortages courses should cover, but they are expected to include areas like health care, transport, manufacturing and retail. Mr Morrison is backing the plan with $500 million in commonwealth money, to be matched by the states, and has branded it JobTrainer. The money is an incentive for states to sign up to a revamped agreement on vocational education, which is still being worked out.

It’s understood most were supportive when the idea was discussed at the national cabinet meeting last Friday. “COVID-19 is unprecedented but I want Australians to be ready for the sorts of jobs that will come as we build back and recover,” Mr Morrison said. “The jobs and skills we’ll need as we come out of the crisis are not likely to be the same as those that were lost.”

Australia’s recycling industry is on the brink of an overhaul By Rebecca Gredley (Australian Associated Press)

Australia’s recycling industry is on the brink of an overhaul as the federal government hopes to create more than 10,000 jobs through a $190 million fund. The Recycling Modernisation Fund aims to generate $600 million in innovative recycling investment, with states and industry to chip in. Environment Minister Sussan Ley expects the fund to help divert more than 10 million tonnes of waste from landfill to make useful products. “Turning our waste into something that has value is the critical thing here,” she told ABC radio on Monday. “It starts at the curb – sorting, collecting and clean streams of waste.” About half of Australia’s waste is recovered and the government is aiming for 80 per cent by 2030. Ms Ley concedes plastic is one of the harder materials to recover, while food waste is also a huge issue.

“The trip between your fridge and your bin is probably the one we want to encourage Australians to make less of.” Waste Management and Resource Recovery Association of Australia says more needs to be done to turbo charge recycling, including fast-tracked products, markets for recycled products and more focus on packaging design. “Genuine product stewardship legislation that makes producers responsible for managing what they bring to market is required,” the group says. Labor’s Josh Wilson has welcomed the announcement but says it’s long overdue. “Recycling and reprocessing infrastructure is only one part of the major reform needed to deal with Australia’s waste crisis,” he said. “Recycled material needs a commercial end-user and it is folly to think the market is ready to deal with the anticipated volume.” Greens senator Peter WhishWilson says all the money in the world won’t fix the waste crisis unless people are better at recycling.

“This means stopping the problem at its source: we need to stop producing so much waste and invest in a circular economy.” He says the government should introduce mandatory recycling targets and product stewardship schemes, rather than voluntary. Ms Ley will introduce legislation to parliament later this year to implement waste export bans, which was supposed to begin this month with glass. Because of coronavirus the export ban will instead begin in January. Bans on plastic, paper and tyres will be staggered, beginning from July next year through to July 2024. The minister says the industry will feel more confident to invest when the export bans are in place.

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JULY 2020 | FIND GEELONG

FIND GEELONG | JULY 2020

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ACCOUNTANT By Warren Strybosch

What with low interest rates and the government giving away $25,000, it is tempting to consider renovating your home. The question is, do we go into debt to do it? Currently, my wife and I are doing some more home renovations. This time it is the bathrooms. The question we face is, do we borrow additional funds, to meet the HomeBuilder requirements and do further renovations? Ideally, we would like more of an open plan kitchen-lounge-dining area. Currently, the lounge and dining areas are separate to the kitchen and when we have people over everyone tends to squeeze around the kitchen bench. Yep, first world problems and with what is happening at the moment it seems selfish to even be talking about it. What is interesting though is that a lot of people are currently renovating their homes. This is likely because they are not going to be leasing their commercial premises going forward. The world has changed, and the home is going to become a more important place for people to work from. Our issue is that we bought a very old house that still needs a lot of work done to it. There was so much work needing to be done when we were considering purchasing our home, that our builder friend advised us against it.

Given we are already spending a fair bit on the bathrooms, the question is whether or not we borrow some money to avail ourselves of the $25,000 that is up for grabs from the government? What would you do? The question is do we qualify? Below are the eligibility criteria to qualify for the program: • •

• •

•

Must be a natural person (not a company or trust), an Australian citizen and over age 18. You cannot earn more than $125,000 as an individual and/or $200,000 as a couple. It is believed that this will be based on the 2018-19 tax returns. You must have entered into a building contract of after the 4th of June and before the 31st of December. You can only have the funds going to a new home construction of up to $750,000 (house and land) and be your principle place of residency or for renovations to your existing residence. Your home cannot be worth more than $1.5 million prior to the renovations beginning. You cannot be owner builder. The contract must be at arms-length with a registered builder and commence within 3 months of signing the contract.

•

The renovation must for the purpose of improving the principle home e.g. accessibility, safety or liveability. It cannot go towards a pool, tennis court, spa and saunas, sheds or garages. The renovation needs to be within the home or an attachment to the home e.g. extension for that home office.

Are you going to renovate? We would love to hear your stories. Please send your story to editor@findgeelong.com. au.

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

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MORTGAGE BROKER By Lee Wisniewski

As Victoria enters lockdown for a 2nd time tonight I thought I’d refocus my energy towards some positivity for a change and not focus on what we can’t do right now but on what we can. I was reading about the Great Depression recently (how’s that for some upbeat reading) and it was obvious that it was one of the worst periods in modern history for despair, financial ruin and hopelessness. No surprises there. However, I did learn some things, in retrospect from my reading, to do with what amazing things mankind can accomplish during difficult times. One such learning that I think we can apply to our current situation is this: Where you direct your flow can provide power or cause ruin.

1. PROVIDE irrigation (supply provision) and; 2. PRODUCE power (improve lives)

Well, get in touch with us today to chat it through! Working this out for you is really the easiest part of our job and we love it.

It produces enough power to supply 1.3 million people with electricity.

On lending news, you most likely already know that the RBA left rates on hold again yesterday, however many lenders are still doing some amazing deals and lowering their rates, especially on refinances, with low 2% rates and thousands of dollars of cashbacks.

What was once a river is now redirected to protect, supply and improve the lives of millions of people. So, what’s the link to your finances? Equity. Equity is the difference between what you owe and what you own. If you can work out how much your property is worth, then take 80% of that number and subtract your home loan that gives you the amount of usable equity you have For example:

Hear me out as there is a financial lesson here too. I promise.

Property value = $700k. 80% of that = $560k. You owe $400k $560k - $400k = $160k of “usable” equity.

In the Black Canyon in the 1930s the Colorado River was raging as it always had. However with some ambition, some foresight and a serious vision to turn the flow into something useful the Hoover Dam was built. During the Great Depression!

Now that you know that, the important question is what are you doing with it? Where is it flowing? As with the Hoover Dam, the river/your equity can be redirected into something pretty powerful, that can protect, provide and/or improve your life and the lives of others.

The dam was built to: 1. PROTECT people from floods (from disaster)

Want some ideas on what to do with it or not sure how much usable equity you might have in the first place?

The Victorian government has now signed on to the Homebuilder scheme, which will provide some people with $25,000 to build a new home or renovate. In closing, during this season I hope and pray that you will be able to identify your current resources, be clear about where it is that you need to direct them and, once you do, that you will be poured out such provision that you cannot contain it. Until next time, stay safe.

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

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FIND GEELONG | JULY 2020

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FIVE INVESTMENTS TO A FINANCIAL PLANNING By Chris Carlin

they were a reasonably good and safe investment.

Write this down – “never EVER get investment tips around a barbeque.’

They are a secure rate of return, they are simple to understand and they are protected by the government.

Generally speaking, I am happy to talk about money and investments.

Times have changed, and so should your investment strategy.

I love talking about financial planning because it is what I am passionate about.

Interest rates on cash and term deposits are insulting. You have worked too damn hard for your money to earn a term deposit “special rate” of 2.75% over nine months.

I speak about it in the office, at home, at the sporting club, over dinner with friend and family. However, there are times when money should be avoided. One of those times is whenever you are outside of ten metres of a working barbeque. There are some crazy investment ideas (and ideas in general) that get thrown around a barbeque. There are some crazy investment ideas (and ideas in general) that get thrown around a barbeque. I don’t know if it is the beers or the smell of burning sausages that turn what are normally dumb ideas into good ones. You know the ideas I am talking about, the one where “Steve’s mate” has “just made a ton of money doing X”, those investment ideas.

There are better options out there. There are conservative investments which have generated between four to six percent with little downside risk. You do not need to put your funds in the sharemarket if you are a conservative investor. If you have a large sum of money currently sitting in cash and term deposits, speak to a financial planner about your options. You deserve more than 3% on your hard earned money 2. High Rise Apartments Everyone knows that the moment you drive a new car out of the shop it drops 20% in value.

I have been in financial planning for over seven years now. I am the first to accept that there are “multiple roads to Rome”.

I would argue a high rise apartment (more than 10 stories) does the same thing, especially if it is located in a CBD.

Some people have made money in shares, while others have made money in property.

There are a few issues with high rise apartments.

Nonetheless, there are a few investments which I would avoid like the plague. I would never ever recommend these sorts of investments to clients and I would strongly recommend you should not do. 1. Cash and Term Deposits Cash and term deposits are not long term investments. If you are looking to invest for longer than two years, you should NOT have your funds in cash or term deposits. If we go back five years when term deposits were at 7-8%, then I would agree

Firstly, there are massive commissions (in excess of 5% of the purchase price) on real estate agents and developers to sell these apartments. Secondly, high rise apartments are popping up in all capital cities and now in regional areas as well. If the supply keeps increasing, the value of your apartment is not going to increase Thirdly, it is harder to sell a high rise apartment. Even though most of our real estate buying is done online, buyers are still drawn to a “for sale” sign at the front of someone’s house.

When was the last time you saw a ‘for sale’ for a twelfth story apartment? Finally, the quality of apartments has dropped dramatically in an attempt to keep prices down. I am not claiming to be a building inspector here, but even I know there are going to be some long term ramifications as a result of this lack of quality. My advice, stay away from high rise apartments as an investment. 3. Peer To Peer Lending While I was at the bank, I met a client who was earning 9% in France (she was a dual citizen) which in her mind was “risk free” and “fee free”. It was a scheme called ‘Peer to Peer lending’ and she wanted to know if the bank offered this as well. What is peer to peer lending? You know on the TV the ads for pay day loans like Cash Converters and Nimble. Peer to peer lending is giving money to those sort of organisations so they can lend it out via their distribution channels. The headline returns look great, you can earn between 6% to 15% return on a two to three year investment “fee free”. But let’s be honest, this investment is anything but “risk free”.

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AVOID LIKE THE PLAGUE A lot of these people have been burnt as Bitcoin is down nearly 50% between January 2018 and September 2018. Be very careful investing in markets where logic gets thrown out the window. There was no logical reason for Bitcoins meteoric rise and there was no logical reason to invest at those price levels. It was clearly going to crash once the hysteria died down. As Warren Buffett says “Be greedy when others are fearful, and fearful when others are greedy” Now that the price is down, it may make sense to re-enter back into bitcoin.

If you cannot provide this, you should not be a trader. Again, I know there are plenty of successful traders out there and you can learn to be one too. But treat it like a university or trade, it is your occupation, not an investment. If this is a topic that you would like to discuss in more detail, please go to www.MasterYourMoneyNow.com.au/ getstarted to book in your complimentary 30 minute strategy session. If you want to know more about Master Your Money Now, go to www. masteryourmoneynow.com.au and follow Master Your Money Now on:

These sorts of loans are provided to people who do not qualify for credit via a bank. These customers are higher risk of not being able to repay the funds.

But again, I don’t understand how it works and therefore I do not plan to invest.

•

5. Forex

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Especially, in the case of short term loans, there is often no security, meaning there is a reasonable chance you will lose your capital.

I know a lot of people who make lots of money in Forex.

•

Personally, if you were looking to earn between 8-12% long term, I would invest in a diversified share portfolio or managed funds. There is virtually no chance of losing 100% of your capital. Peer to peer lending is high risk. Proceed with caution. (This is the advice I provided to the customer at the bank, but she didn’t like my advice and gave me a bad review on her feedback survey. Oh well, her loss if it goes wrong). 4. Bitcoin I am happy to admit I do not understand cryptocurrencies. I knew that a bubble was occurring in late 2017 when the price of Bitcoin and other cryptocurrencies went through the roof! People were jumping into these investments with little to no understanding of how cryptocurrencies worked (like me).

But let’s make something clear here – forex (and other day trading investments) is NOT an investment, it is an occupation. Successful traders tell me two things: 1. You must be a psychopath to be successful in trading. For example, if you hear that 10,000 people died in a Japanese earthquake, your first reaction better be to sell/go short on Japanese investments. If you hear any news, either good or bad, your first reaction must be “how do I make money out of this?” If you show any empathy or emotion, you will lose money fast. 2. If you want to be successful as a trader, you must treat this as a full time job. It means staring at computer screens for hours upon hours upon hours on end waiting for that one moment for a great trade to come through.

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Master Your Money Now – Facebook– facebook.com/ MasterYourMoneyNow.Com.Au/ Master Your Money Now – Instagram– instagram.com/ masteryourmoneynow Master Your Money Now – LinkedIn– linkedin.com/company/ masteryourmoneynow/ Master Your Money Now – YouTube– youtube.com/c/ masteryourmoneynow

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

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

No Facebook, no music, no screaming kids in the background, no coffee breaks, 100% focus and commitment.

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Older Australians are frail, wringkly and wise, it’s a state of mind. By Sophie Moore (Australian Associated Press)

Age ain’t nothing but a number to most Australians who believe attitude and behaviour more than the candles on a cake determine if a person is old or not, according to a report. Wrinkly, frail and cranky but also wise and kind were some of the key descriptions of the elderly which emerged when 35 focus groups were questioned from July to September 2019. Market researchers Ipsos also conducted in-depth interviews with 30 individuals as part of their report into community attitudes towards ageing for the Royal Commission into Aged Care Quality and Safety. They found a mix of positive and negative stereotypes were attached to older Australians including concerns regarding loneliness, deteriorating mental and physical health, financial stress and the loss of independence. At the same time there was a strong belief that with old age came certain freedoms including to relax, travel and take up new hobbies but also in self-expression as people feel less constrained by social norms. But most people struggled to put an exact age on when a person became ‘old’, despite agreeing that certain milestones such as accessing superannuation or being eligible for the aged pension marked someone as an ‘older person’. “It’s a state of mind though isn’t it?,” a Queensland focus-group member said. “My mum’s 94 now and a couple of years ago … there was an advert on TV with an elderly woman aged 65 and she said, ‘Poor thing’, then realised she was 20 years older.” Some people said the perception of old had changed with longer life expectancy and shifting social values. Older people were more likely to be more strongly opinionated, according to people aged 30 and under, but also less adaptable and open to change, both social and technological.

Some older people agreed, saying they felt left behind by the constant changes, while others were irritated by the stereotype. People aged 55 and over said they disliked being perceived as frail or losing their faculties and said they felt others, particularly employers, looked at them and only saw a number and not their skills or ability.

Similar views are also held by Aboriginal and Torres Strait Islander people, the report noted, however the general population appeared ignorant of this practice. Universally, all groups agreed the contributions of older people were invaluable, from their role as grandparents and babysitters to generational battles fought for human rights.

It was a fear shared by all age groups who said growing older meant becoming invisible.

Many young people said what they treasured most was their love and support.

Older Australians felt less valued and many people compared their experience to the perceived care and respect held by some Asian cultures towards their elderly.

“They have so much to give. Very empowering,” a LGBTQ group from Western Australia said.

Most people agreed intergenerational support and a sense of responsibility towards family was a model “western cultures” could aspire towards.

You can never lose weight around old people, ‘Oh, you’re so thin, you’ve got to eat more’.”

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The July Rental Figures for Geelong

REAL ESTATE RENTALS By Warren Rapson

This is the reporting month that we thought we would see the biggest impacts of the coronavirus, however, the REIV data shows that Geelong’s rental market is stable. In fact, if you look at the numbers alone, you cannot really see a problem at all.

inspection before the property had even settled. This is means the investor’s asset starts returning immediately without any downtime so everybody wins. We have some great relationships with sales agents around town, so if you ever need to sell, feel free to chat with us first.

In May, 2 bedroom units remained at their median rent of $330 per week while 2 bedroom houses also remained at the same price. 3 bedroom houses haven’t changed and remain at the median rent of $380 per week.

In this particular case, the relationship allowed us to use the photography from the sales campaign and even show the property to potential tenants while the property was still owned by the vendor who was not our client. Naturally, the purchaser – our client – was very happy that we could find a tenant for them during the settlement period. It’s fantastic, because as soon as the purchaser became financially responsible for the property, it was making an income. Synergy like that is real estate is rare, but it doesn’t have to be in our laid-back opinion.

The region’s vacancy is unchanged at 2.4% which is very different to Inner Melbourne where the vacancy rate has risen again where it is now at 2.9%. Precovid, the Inner Melbourne rate was 1.9% but the jump is easily attributed to the lack of international students and holiday-workers who had to return to their home countries before our lockdowns. As usual, our own experience at Geelong Property Managers is unchanged with quality properties renting quickly. In fact, we have leased another property for a purchaser investor with only one

The photography in that situation was also a big help. Many rental agents don’t use professional photos simply because of the cost involved to the client. In a sales campaign, people spend big because the pay-off is the sale of the property but in a leasing campaign, the successful

letting to right tenant while great, does not have the same massive pay-out to the client. We use professional photos where we can, but if there is no budget for them, we use our Matterport 3D scanning camera for the virtual tour which gives us high-resolution photos. We also take our photos with our wide-angle lens and our amateur photography knowledge. A golden-rule in real estate is to NEVER use a phone for photography… If you have any questions about the Geelong rental market or anything else, please reach out any time. The best way to find us is Google. Just search for Geelong Property Managers.

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

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FIND GEELONG | JULY 2020

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From how to Heroic Leader - How to Ma “Today you are You, that’s truer than true. There RESILIENCE COACH By Sally Higoe

As a leader, it seems now more important than ever to lead by example, to be true to yourself, to lead with authenticity, vulnerability and action. Leading in such a way brings legitimacy and honesty to your relations with your followers, ensuring an ethical and valuebased foundation- a productive and creative workplace. In contrast, leading with uncertainty, perfection, lack of self-awareness, close-mindedness or falseness leads to a feeling of deception and lack of desire to serve, commit, be motivated or inspired. Even in this time of volatility, we must still show the will to grow, to succeed, to move forward, to lead... particularly if we want the trust, commitment and connection of our team. The question is what if we don’t feel that way? What if we don’t feel capable of such leadership? I mean after all, we have an ego, a past, our own demons as well. The answer is if you genuinely do not feel that you are a transparent, self-aware, fair-minded, moral leader... then it’s time to embrace your role, reset and strive for your best version of leader. It’s important to continually hit the reset button as you grow into your ultimate leadership role. Holding on to things

will hold you back. We all have our challenges and often they are held on to for too long – they become ‘our story’- when holding on to everything, it becomes really heavy. Giving ourselves permission to reset, to know that when you have a challenge, you can sit with it and then let it go... it’s vital and it’s something everyone can do. We can handle things better in small chunks and this is important to recognise as you move forward towards your goals and you continue to come across challenges. To reset is to make the conscious decision to, it does not have to be learned. Leadership is a reflection of us, it is who we are, it is our ‘being’. A true leader embraces their role and allows it to be an extension of who they are at their core - whilst always striving for growth, for the desire to BE better. Some leaders feel that they need to HAVE more to be better – HAVE more support, more skill, more experience. This mindset can leave leaders perplexed as to why their employees don’t like them or trust them. By focusing on the HAVE, (something we are yet to obtain) we are always wanting, yearning, seeking, not happy or present with the NOW.. and this can actually stop you from achieving greatness. “When I have enough support... then I’ll bring in that new project” When we focus on the BEING, who you need to BE, then you begin to think and behave as if. “Who do I need to BE, to ensure that project runs smoothly and I get maximum support”. You see, you then walk as if you are already that person in that role.

As you plan and commit to being the best leader you can, whether it be to reinvent or to enhance your current ability, following the idea to embrace who you need to BE, using the BE DO HAVE GIVE Model will ensure success. The well-known BE DO HAVE principal refers to the attainment of success. As mentioned, it is where you first define who you want to BE, and then walk as if you are already that person in that role. When we are clear on who we want to BE then we know what the first thing is that we need to DO in order to get the result that we are after (what we will HAVE).

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ake the move from perfect to authentic is no one alive who is Youer than You” - Dr Seuss can go and be a professional swimmer right now. That simply won’t happen! What I’m talking about, is I can be the end result. When we say we want to BE something, it’s because we want to BE the end result – we want that feeling. We do things, we purchase items, we chase experiences because we want the feelings that it gives us... we want to BE that way.

The addition of the word GIVE is where the real fulfilment comes from... when we HAVE what we desire, we are able to more freely GIVE. When we GIVE, we instantly grow rich. (Hint: This model also works by beginning with GIVE - What do I need to GIVE in order to have what I would like to HAVE (to achieve), so that I can DO what I would like in order to BE who I would like to BE.) ‘BE’, in this model, refers to who you need to authentically BE in order to make your goal happen. And this ‘beingness’ is something that we can all do RIGHT NOW. We can be anything we choose to be. What do I mean by that? I don’t mean I

that successful people demonstrate. What is it that they are doing differently, that is driving their success? This is called modeling. It is a form of learning through imitation. By observing someone else’s behaviour and choosing aspects that you aspire to and applying changes that match to your own behaviour, cognition or emotional state. Effective modeling comes down to viewing, reflecting and practice. When deciding on someone to model, consider what qualities you need to embrace and enhance within you to assist you moving forward.

To create your own version of success and determine who the best version of you will BE, we must look outside of what is ‘normal’. We need to look to the attributes Moving forward to achieve your goals, work on telling yourself often “I am ............ (insert model/goal here)” and act ‘as-if’ until you get there. Remember when you truly try on the attributes that are needed to BE, then naturally, you’ll begin to DO something about it, to make it more real, more plausible, more YOU! Soon enough, you will HAVE what you are after and really be able to serve and GIVE back to your team. If you feel you need more guidance and support developing your leadership skills for self or your team, please get in touch for a chat.

The following two questions will give that starting point of knowing who you want to BE so you can begin doing what you need to DO and/or GIVE! 1. LIST 3 PEOPLE WHO YOU ADMIRE AND CHOOSE TO MODEL, STATING WHY: (Hint: you can model different traits in different people eg one for business management, one for people skills, one for wealth etc) 2. BASED ON YOUR DECISION, WHAT ARE 3 THINGS YOU CAN STOP DOING RIGHT NOW? (that do not suit/fit in with this new way of ‘BEING’)

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

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The Magic To Get The Retail $ Back LIFE COACH By Deb Fribbins

“Retail spending has been adversely affected throughout the COVID pandemic”. That must be the understatement of the year. We all know the reasons some retailers are suffering so badly at the moment, while others are thriving. Many smaller stores will not be in a position to reopen their doors from the aftereffects of COVID 19 which has caused so many heartaches in a variety of ways. Not only for the independent store owners. Look at the major retailers at the moment and watch this space for their further updates. Owners of Small to Medium Enterprises it is really your turn to shine and thrive, as we come out of these restrictions. The majors have a culture and mindset that is very slow to change. As true entrepreneurs we have the opportunity to fly in the face of adversity if we follow a few simple guidelines.

they were, who are managing their way around things at the moment, will ultimately fail. Those entrepreneurs out there who are prepared to listen to their clientele, learn from the lessons of 2020, forget a lot of what has happened in the past and concentrate on relearning for the future will thrive.

Everyone has been saying for months now:

We are now in state of VUCA Volatility, Uncertainty, Complexity and Ambiguity which commands us to walk away from outdated management and leadership styles and embrace new approaches. in the first half of 2020 we have all had to accept the changes that have happened in our lives and change our behaviours. We need to turn that volatility into a Defined vison for the future. Meet uncertainty head on with a clear focus by Determining the circumstances in which we find oursleves. Analyse the complexity of the our situation and Devise new plans to support our client base. Remove all the ambiguity for ourselves, our staff and our clients by being proactive and Delivering on these well planned outcomes. Ongoing as the world continues to change around us we must continuously Dissect what is happening and effect it has on our business.

“Things will not go back to normal “ “There will be a new kind of normal” “Life will not be the same” “Consumers habits will have changed” All of these are true It is up to us to capitalise on these changes and be agile enough to pivot and respond to the consumers. They will be very much dicating the future for the foreseeable future. We have heard these messages, but what plans have we put into place to address these concerns. We cannot sit back and wait and see. The successful entrepreneurs out there will be able to thrive if they act now. There is no magic one size fits all. The magic for your business is dependent on the type of business you have. However, the principle guidelines remain the same for all. Alvin Toffler the Futurist is reported as saying “The illiterate of the 21st century will not be those cannot read and write, but those who cannot learn, unlearn, and learn.” Those who have a closed mindset and want to take things back to the way

If we Define who we are and what we want in life, Determine the parameters under which we operate, Devise the plans to meet the issues we have identified to support our customers. Deliver on these conditions and continuously Dissect the outcomes we will achieve success in our endeavours. Without Defining clear sustainable goals we will have confusion for ourselves and our clients.

Without Determining the market, client needs and current climate we will have anxiety towards our goals. Devising the plans to address the issues determined will avoid a false start. Delivering on these plans as devised will alleviate frustration. Dissecting all the actions taken looking at your Return On Investment and achievement of Key Performance Indicators will assit to ensure you do not repeat the same mistakes.

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

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Where My Passion For Travel Began.. TRAVEL By Ainsley Soffe

1998. The first time I went on a real overseas trip. At 23 years of age, I had been to Bali with my older sister, and to the Gold Coast for a whole 5 days. So naturally I knew all there was to know about the world and travelling. I visited a travel agent and asked for the price of an ‘Around the World’ plane ticket. I planned on going to Egypt to see the Pyramids, England to see my family, and to America on my way home to go to Disneyland (because why not?) I was convinced that such a trip would consequently make me even smarter than I already was, and that I would pretty much cover the whole world in just a year. I had no idea how big the world really was. Or what actually lay before me. ‘You shouldn’t really travel to Egypt alone”. ‘It is unsafe with all the political unrest there at the moment’. This was the sage advice from my travel agent. Political unrest…? I had never heard of such a thing. Perhaps she was she talking about the movies. I didn’t quite understand the implications of what she had said, but she seemed to know what she was talking about so I listened. ‘OK then, how about Africa?’. I asked, not really knowing anywhere else in the world that I could simply pick out of thin air. As a second choice, it seemed exciting. I knew I would love seeing all of the animals in Africa. Upon confirmation that Africa was doable, she showed me the various options I had for different types of safaris to different destinations. She knew that when I was going to leave, that it was migration season for the wildlife and told me the best spots to go to see this. So, I booked myself an African camping safari to Botswana, Zimbabwe and Zambia; my first stop on my world tour! Before I left, I had a fancy-dress safari party and, considering I looked just the part in my safari suit and hard hat, I contemplated taking my outfit with me

on my journey. I was sure that I would fit right in in the jungle when I arrived.

to Botswana and meeting my safari tour group the next day.

Upon discovering that my 95ltr backpack (which I later discovered was way too big to actually backpack with) didn’t have a lot of room left in it, I had to make a choice. I could take either my safari suit or my platform high heels and Velcro hair rollers, so high heels and rollers it was (such a practical choice for a backpacker… not) and I left my safari suit behind.

Next stop… Africa!

I sold my car and with a whopping $4000 in my pocket I was determined to survive the year and live the dream of not working and just seeing the world. My family saw me off at the airport and my mum and dad were convinced I would be back in a couple of months. After a few happy snaps and my dad’s last words to me being “Don’t call for money and don’t reverse charge phone calls!” I set out on my big adventure. My first stop would be Johannesburg where I would catch a connecting plane to Harare and stay for the night, before heading

Ainsley Soffe is the travel columnist for Find Geelong. Deluxe Travel & Cruise is a boutique agency and Ainsley works in Geelong. You do not have to live in Geelong to use her services and she can be contacted on: 1300 292 496 or ainsley@deluxetravelandcruise.com.au Do you have a travel of your own that you would like to share? We would love to hear. Email: editor@findgeelong.com. au

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

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Annnd we are back in Iso EDIBLE BOUQUETS By Tk Saunders

Sadly a lot of Victorians are back in isolation due to covid trying to get one up on us again. Well it’s not going to happen, come on all Victorians we got this! Here at bliss bouquets we are always pleased to help, this last month we have had a very, very special order ( we think all of our orders are special but this really pulled at the heart strings) We had a lovely lady call and tell us she was ever so sorry for the late notice, could we possibly help as her parents were getting ready to celebrate their 50th wedding anniversary, in 4 days, now l can tell you 4 days is a huge deal of notice and I breathed a massive sigh of relief as I thought she was going to want it that day … phew! So any way this lovely family were all meant to be on a cruise to celebrate this golden anniversary, parents, kids, grand kids, the out of state kids, a massive family affair sounds like heaven right? But wait ,,,,,, it was all cancelled due to covid, so this lady was hoping to make the day a little extra special, she ordered a large death by chocolate bouquet for her chocolate loving mother and a specially designed meat and cheese bouquet with fruit and chocolate dipped strawberries for her dad. Let’s start with the death by chocolate bouquet, we added gold, lots and lots of edible gold and gold leaf and as it was for such a big occasion,,,, chocolate lots and lots of chocolate so much chocolate that we now have an XL death by chocolate in our collection! Now we move onto dad, he loves his meat and cheese but kinda needs to watch what he eats,, no problem let’s add fruit and of course we have to have a little chocolate (and come on it’s a very special occasion) And they say dark chocolate is good for you right? So dark chocolate dipped strawberries it is! So this little (actually huge!) ripper ended up having , Salami, kabana, prosciutto, brie, baby bells, wasabi peas,

pistachios, olives, dried apricots and twiggy sticks,, then we start adding fruit! It also had an orange, mandarins, kiwifruit, banana, a couple of baby apples and of course the healthy Dark chocolate dipped strawberries that we also put edible gold leaf on!

No matter what the occasion, we have a bouquet or we will design and make one!

We then wrapped both and added black and gold paper and ribbons.

Bliss Bouquets the flavour of extraordinary!

Until next month, as always, stay safe, stay cool and eat chocolate. much love Tk and Marie.

Both bouquets were epic even if I do say so myself. So as we shiver through the cold and some of us have to enter isolation again, please remember Bliss Bouquets is still here, we are still delivering. Our favourite thing to do is add a little something extra to make your special occasion that little bit more special. If we don’t have exactly what you want? We can make it! I love a challenge, I am currently working on a gluten, dairy and fructose free bouquet for a lady to give to her best friend!

Tk Saunders ---- Edible Bouquets ---

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What’s next in virus payments, JobTweaker? By Daniel McCulloch and Colin Brinsden

Australians have been offered JobSeeker and JobKeeper payments during the coronavirus crisis. So what’s next, JobTweaker perhaps? Chris Richardson from Deloitte Access Economics has issued a fresh warning about withdrawing pandemic supports too soon. Mr Richardson specifically argued for JobSeeker unemployment benefits to remain above their precoronavirus rates. Victoria was poised to cop the biggest economic hit from the coronavirus pandemic even before a dramatic spike in infections forced renewed shutdowns across large parts of Melbourne. The state is now bracing for another devastating blow as its border with NSW is closed. Mr Richardson believes government support will be needed for quite some time, as the country recovers from the worst downturn since the Great Depression. “More dollars are needed,” he said on Monday. “How much more depends on our success against the virus and in opening up. But the recession is changing shape fast, so the nature, timing and dollars of support needs to change fast.” Treasurer Josh Frydenberg will reveal the outcomes of a review into JobKeeper and JobSeeker payments on July 23. He is not giving much detail away before then. “We’re going to continue to provide the support that is necessary for those sectors and for those people who need it,” Mr Frydenberg told reporters in Canberra. “We’ll continue to look for sector-specific support as well as economy-wide support.”

Mr Richardson believes wage subsidies will be needed beyond the September expiry date. He suggested limiting the payments to a smaller range of businesses – such as those tied to international borders – and reducing the amount of the benefit, labelling his proposal as “JobTweaker”. He also argues for keeping the JobSeeker unemployment benefit “stronger for longer”. Shadow treasurer Jim Chalmers says millions of workers and thousands of businesses are anxious about being left behind in Australia’s first recession in three decades. Mr Richardson says Australia’s relative success in fighting the virus gives it more flexibility to open up the economy. He said many of Australia’s key trading

“So the recession may well have already passed its worst,” he said. “Even so, families are struggling with the toxic trio of high debt, high unemployment and low confidence. The ranks of the unemployed will be badly swollen for a while.” Deloitte expects the unemployment rate to be 8.2 per cent for the 2020/21 financial year, the equivalent of over 1.1 million people being out of work. The advisory group does not expect the rate to return to pre-coronavirus levels until 2023/24. Wage growth is expected to lag behind inflation out to 2024/25, while full-time employment will grow slower than parttime jobs.

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Lack of Internet Leaving Students Behind By Katina Curtis, AAP Senior Political Writer (Australian Associated Press)

New research prompted by the coronavirus pandemic has highlighted the serious digital gap faced by many school students from poorer families.

Union federal president Correna Haythorpe says this highlights the deep inequality students from disadvantaged backgrounds face.

Internet connection was vital for students learning from home during COVID-19 restrictions.

“This must be a wakeup call for the federal government about the urgent need to close the persistent long-term gap in internet access, affordability of IT hardware and software,” she said on Wednesday.

But new research commissioned by the Australian Education Union finds public school students were 2.5 times more likely than their private schools peers to have no home internet access. About 125,000 public school students had no internet at home, even through a mobile or gaming device, the report by researcher Barbara Preston found.

by the disruption to regular schooling as states closed schools and required students to learn from home. Victoria University’s Stephen Lamb said unequal internet access was just the tip of the iceberg in terms of the challenges some children faced in doing schooling online, and that virtual learning was less effective than face-to-face.

“In 2020, it is a shameful indictment on the Morrison government that any child does not have access to the internet, the digital resources and support needed to ensure they can achieve their full potential in school.”

Nine times as many students from the nation’s poorest families had no internet access than those from the richest families.

The union wants the government to do a “digital equity” audit of what resources and hardware students can access and the impact on those who lack an internet connection.

One in eight students in remote areas had no internet at home, as did a third of those living in very remote areas.

Research done for the federal education department in April found poorer children were most likely to be impacted

Call to Overhaul Job Haunting Requirements

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Drought-proof cash for farm business plans Matt Coughlan

Farmers’ financial skills and drought research will receive a boost through a $3.9 billion fund designed to prepare Australia for future crippling dry spells. Almost $90 million from the first annual $100 million Future Drought Fund payout has been allocated across a range of drought-proofing programs. A $20 million program will help farmers develop and improve detailed business plans. Agriculture David Littleproud says the scheme was designed to do more than put together a budget. “This is about risk management tools, about understanding how you can hedge your products in international markets,” he told ABC television on Wednesday. Farmers will get improved climate data to guide decision-making through a $10 million boost for digital information services. National Farmers’ Federation president Fiona Simson welcomed the focus on managing financial and climatic risks.“As a nation, we have not yet got drought preparation, management and recovery right but today represents a landmark step towards significant

improvement,” she said on Wednesday. More than $20 million will be spent on drought research while $15 million will be funnelled towards natural resource management. Alliances of local councils will be able to share in $10 million to develop regional drought plans. “These programs will give farmers and communities the tools they need

to prepare for, manage and sustain their livelihoods during droughts,” Mr Littleproud said. Labor has previously criticised the fund for spending just $100 million a year from 2020 despite being first announced at the height of the drought in 2018. The Future Drought Fund is expected to rise from an initial $3.9 billion to $5 billion in 2028/29.

Overseas travel recovery ‘years away’ Christine Flatley

The head of Flight Centre has warned it could be three years before international travel returns to pre-coronavirus levels. Graham ‘Skroo’ Turner says government policy around COVID-19 restrictions will determine how quickly the domestic industry bounces back, but those eyeing an overseas holiday will likely wait a lot longer. “It’s really up to the government on this sort of thing, and if they ease restrictions it will come back fairly quickly,” he told ABC radio on Wednesday. “Maybe 18 months to two years (international travel) might be back to 70 per cent, but it’ll probably be three years before it’s back to pre-COVID levels.” Mr Turner said the current policy requiring any returning international travellers to self-fund a two-week quarantine period in a hotel is a major deterrent.

He said other protocols – such as pretesting travellers and then re-testing them upon entry into Australia – could be put in place instead. “I think the protocols, pretty soon, will be to the stage where it will be probably nearly as safe as a two-week quarantine in a hotel,” he said. Flight Centre has stood down around 16,000 staff globally since the pandemic emerged at the start of the year. Other major tourism players, such as Virgin and Qantas, have also been forced to shed thousands of staff as flights are grounded. Mr Turner called on the federal government to either continue the JobKeeper wage subsidy program for the industry, or to implement a new scheme to help keep it afloat.

“I think it will be necessary, not just for travel, but for airlines and all tourism operators… otherwise hundreds of thousands of jobs are going to be permanently lost for sure.”

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ATO: Check the answer to our most commonly asked questions about COVID-19 By Australian Taxation Office

We are experiencing a high numbers of calls, resulting in long wait times. To save time, check the answers to our most commonly asked questions about JobKeeper, early release of super and cash flow boost. We are working hard to help people understand and access the government’s COVID-19 economic assistance measures. If you make a genuine mistake we will help you resolve it. Skip to: • • •

JobKeeper Early release of super Cash flow boost

JobKeeper What do I need to do to receive JobKeeper payments? You need to identify your eligible employees through your STP enabled software (step 2) by 31 May (6pm EST). For further information visit ato.gov. au/jobkeeperguides or contact your registered tax or BAS agent if they helped you enrol.

When do I need to complete the monthly declaration? If you have already completed Step 2, you need to make a business monthly declaration from 1 June to reconfirm that you want to keep participating in the JobKeeper program. When will I receive the payment? On average most payments issue within five business days from when your submit your application form (when you identify and maintain your employees). However, it may take longer if there are additional checks required or any errors made on your form. My employer has asked me to work more hours, do I need to? At least $1,500 (before tax) a fortnight must be paid to eligible employees, this amount does not change based on the amount of hours you work. You need to contact the Fair Work Ombudsman to discuss conditions relating specifically to your employment. Early release of super I am not an Australian citizen, am I eligible for an early release of my super due to COVID-19?

`If you’re a temporary resident, you may be able to apply this financial year (before 30 June) only, if you are in one of the following circumstances: •

•

You hold a student visa that you have held for 12 months or more and you are unable to meet immediate living expenses. You are a temporary skilled work visa holder and still employed but unable to meet immediate living expenses. You are a temporary resident visa holder (excluding student or skilled worker visas) and you cannot meet immediate living expenses.

Eligible Australian and New Zealand citizens and permanent residents can apply to access up to: • •

$10,000 of super until 30 June 2020 a further $10,000 from 1 July 2020 until 24 September 2020.

How do I apply for a second early release of super payment? You will need to lodge a new application next financial year to receive a second COVID-19 early release of super payment of up to $10,000. Applications will open on 1 July 2020 and close on 24 September 2020.

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When will I receive the early access payment from my super fund?

Am I eligible to receive the cash flow boost?

when you lodge your March 2020 monthly or quarterly activity statement.

If your early access to super due to COVID-19 has been approved, your super fund should make the payment to you within the next 5 working days, unless they need to undertake further checks. For more information see our COVID-19 early release of super page.

There is a list of eligibility criteria you will need to meet to get the cash flow boost. For more information see Eligibility.

How it works:

Why is my super balance on myGov less than I thought? myGov displays the latest information that your super fund transmitted to us, so it is as at 30 June 2019 for most funds. Refer to your most recent Super statement or contact your super fund for more recent figures. Can I access ATO-held super? ATO-held super cannot be accessed through the early release of super program. Cash flow boost

When will I receive my cash flow boost?

The credit is used to reduce your liabilities (for example, PAYG(W) and GST payable) from the activity statement.

The cash flow boost is not a cash payment. If you are eligible, the cash flow boost will be applied as a credit when you lodge your March 2020 monthly or quarterly activity statement. The credit is used to reduce your liabilities (for example, PAYG(W) and GST payable) from the activity statement. If your liabilities are less than the cash flow boost, the remaining credit is refunded to you within 14 days.

If your liabilities are less than the cash flow boost, the remaining credit is refunded to you.

I thought I was getting a $10,000 cash boost but I received less

If your question is not answered here, you can also visit ATO CommunityExternal Link, which is available 24/7 with questions, answers and regular updates.

The cash flow boost is not a cash payment. If you are eligible, a minimum of $10,000 will be applied as a credit

Excess credits will not be offset against other existing tax debts. For more information you can visit our Boosting cash flow for employers page. My question is not here

Questions updated on 28 May 2020 based on available call data.

Business groups seek ongoing virus support By Matt Coughlan

Influential business groups have called for wage subsidies to be extended across targeted sectors beyond the September cut-off. The Australian Chamber of Commerce and Industry wants the federal government to keep JobKeeper going for tourism and events businesses feeling ongoing pain. “Although the unemployment figures released last week are alarming, they would have been undoubtedly worse without JobKeeper in place,” ACCI chief executive James Pearson told a Senate hearing on Wednesday. The scheme gives eligible businesses $1500 a fortnight to pass on to workers to keep them linked to jobs during the coronavirus pandemic. The Business Council of Australia believes a targeted stepping down of JobKeeper is needed for sectors being hurt by restrictions after September. BCA chief executive Tim Reed said all businesses should be forced to requalify for the test around falls in revenue. He also wants a review of workers receiving more through subsidies than their ordinary wage.

“We think a very targeted stepping down of the program is warranted,” Mr Reed said. Mr Pearson said a program giving employers a 50 per cent wage subsidy for apprentices and trainees should also be extended beyond September. Australian Industry Group chief executive Innes Willox said there was still time to assess the need for further changes to JobKeeper, which is being reviewed. “A lot of businesses have their eye very firmly on the end of September, a period which we perceive to be the next time of great risk,” he told the coronavirus response inquiry. He said businesses would need support and advice to manage cashflow once the wage subsidy payments stopped. “For a lot of small businesses, to have that rug pulled from under them or that support pulled from under them will be quite devastating,” Mr Willox said. The powerful business lobby groups have advised government throughout the coronavirus crisis. Mr Willox said the JobSeeker unemployment payment – boosted to $1100 a fortnight during

the crisis – could not go back to its old rate of $40 a day. “There will need to be stronger support for people,” he said. Mr Reed said the dole should be raised to be between 75 per cent and 90 per cent of the aged pension, with the precoronavirus rate of 65 per cent too low. “I think it is very difficult for an Australian to live on the rate it is today,” he said. JULY 2020 | FIND GEELONG

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Great news.... Your Library is 100% Fine Free!!! Fine free from 1 July There will be no more library fines on overdue items from 1 July 2020. The only things stopping you from borrowing a book will be: â&#x20AC;˘ overdue items that cannot be renewed â&#x20AC;˘ lost items Happy Borrowing!

ERL Self-Checkout App Use your own smartphone to borrow items at the library! This seamless, contactless solution is free. You can even use the app to check your account, renew items and check the status of your reservations. Download the app here!

Learn more

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We’re reopening on Saturdays! From Saturday 11 July, all libraries (except Realm*) will be open from 10am-12noon. This is a great opportunity to utilise the Click + Collect service, or grab your own holds. Please note, the current restrictions apply and each library is limited to 20 patrons at a time except Montrose (10). Please remember: • • • • • •

Do not enter the library if you are feeling unwell. A membership card must be scanned before entering and on leaving the library. If you are not a member, you can join immediately. The hand sanitiser provided MUST be used on entry to the library. PC bookings are limited to one hour per person, per day. WiFi, printing and scanning are available. Cash payments are no longer accepted. Only credit/debit card payments available. No food or drink permitted in the library.

*Please check the website for Realm update

More Info

New Books

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Early Access Not So Super for Women Money and Life

The COVID-19 crisis has seen many Australians taking steps to stay afloat with their finances. With women more likely than men to withdraw super to make up the shortfall in their income, what does this mean for their long term financial wellbeing? Fran Hughes CFP®, Head of Financial Solutions explores the reasons why a super withdrawal at this time could leave women financially vulnerable. The Australian Government’s early access to superannuation scheme has seen 1.63m Australians[1] raid their retirement savings to cushion the financial blow of the COVID-19 economic fallout. The scheme, which allows a withdrawal of up to $20,000 over two financial years from April to September 2020, has recorded an average draw down of $7,476 per person[2] in the first tranche. According to analysis from AMP, 21 per cent of women have already withdrawn their super balances, compared with 17 per cent of men[3]. A recent report released by the Australian Prudential Regulation Authority (APRA) [4] reveals the top four superannuation funds with the highest number of withdrawal applications were Australian Super, Hostplus, Sunsuper and the Retail Employees Super. These funds represent the highest proportion of members that work in hospitality, tourism, recreation, sport and retail, and paints a bleak picture of the industries most affected. Given that women represent more than 55 per cent of employees[5] in these sectors, a withdrawal of $20,000 could seriously undermine future financial security for women taking up the scheme.

for a 25-year-old woman who accessed $20,000 of her super, while a 30-year-old would stand to lose out on $100,000, and a 40-year old $63,000. When compared to the average balance of a 65 year-old female’s superannuation at $245,100, you realise the extent of the damage.

2. Playing Catch Up

Here are 5 reasons why:

You may be thinking, ‘I’ll play catch up and make up the amount down the track’. We recognize that for some, covering the rent or loan repayments now takes priority over their future retirement. However, to recoup the equivalent of $10,000 back into superannuation requires an annual salary of $123,839 paying 9.5 per cent per annum in superannuation guarantee contributions. According to the ABS, the average weekly earnings for a female is $1,508.50 (or $78,442 per annum), which falls short of the six figure income required to replenish the shortfall.

1. Mind the Gap

3. Broken Working Patterns

Recent figures from the Australian Bureau of Statistics (ABS)[6], found the average superannuation balance for women aged 25 to 34 was $33,200, aged 35 to 44 is $69,300, and aged 45 to 54 estimated at $129,100. A withdrawal of $20,000 could potentially mean a reduction from $33,200 to $13,200, which is a 60% reduction in her superannuation balance. Given that women retire with an average of 40 per cent less superannuation[7] then men, this withdrawal leaves a sinkhole in her retirement savings and further widens the gap. Industry Super Australia (ISA) calculated that the financial gap from now to retirement equated to $120,000

Perhaps the thought of working extra hours has crossed your mind. Here is a sobering thought. A report from the Association of Superannuation Funds of Australia (ASFA) on Women’s Economic Security in Retirement found that women are more likely than men to be working longer in a part-time capacity. This figure rises to 61% for women who care for family, stay-at-home mums, take a career break to study or are unable to find suitable full-time employment. The report goes on to say that the broken working patterns adversely affect a woman’s security in retirement.

4. Loocking in Losses Chances are, your super is invested in a ‘balanced’ option. The average balanced portfolio has lost 10-12 per cent in the last month, underpinned by sharp falls in equity markets. A withdrawal now could potentially mean that you are withdrawing an amount of $20,000 that would otherwise be valued at $22,727, crystalizing a loss of $2,727, that should have been working for you within your superannuation.

5. Loss of insurance cover A sizeable withdrawal of $20,000 from your super, combined with regular fund fees and insurance premiums, added to a break in working patterns, could push your account balance below $6,000, leaving you vulnerable to automatic cancellation of insurances within super. According to a report by Lifewise, with 95 per cent of Australians underinsured, you’d want to be sure to hang on to this valuable safety net. Understandably for some, there may be no other option to keep the household finances afloat during these times, however, it should be considered as the very last resort.

Speaking with a financial planner can help you explore your other options for your finances before making a withdrawal through the scheme.

JULY 2020 | FIND GEELONG

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Easier to switch banks with new data rules By Tiffanie Turnbull

Australians are being urged to holiday at home this year, but industry stakeholders say unless they turn out in droves with money to burn, it may have little impact on the ailing tourism industry. For every international visitor lost due to coronavirus travel bans, seven-anda-half domestic tourists are needed to fill the economic hole gouged out by COVID-19. Even in the best of times, Australian tourists spend less than their international counterparts, but amid national economic uncertainty, tourism operators are having to offer big discounts to lure Australians to their doorsteps. “The government commentary at the moment is that we’ll be okay because the domestic tourism is going to replace international, but we don’t think that’s the case,” Australian Tourism Export Council managing director Peter Shelley told AAP. “No matter what you do, the domestic tourism spend will never replace the $45 billion internationals spend when they visit this country.” In 2019, more than 117 million domestic tourists spent $80.7 billion on overnight trips within Australia, an average of $687 per trip. Comparatively, in the same year, international visitors spent an average of $5211 per trip. “You spend differently when you’re travelling in another country than when you’re travelling in your own country – it’s just a natural mindset,” Mr Shelley says.

ATEC surveyed more than 500 businesses and found that a third of them would not benefit from an uptick in domestic tourism. More than half expected they would not survive six months without international visitors.

He says international tourist destinations, like far north Queensland, and other places that aren’t within close proximity of large population centres are least likely to get by on domestic tourism dollars.

Many of the businesses are geared towards overseas tourists and pivoting their offerings to suit domestic travellers would bring little return on investment.

Australians can and should do everything they can to support the industry themselves, but Mr Shelley says an extension of JobKeeper for the tourism industry and further government support is what is really needed.

JobKeeper is helping many of them keep their heads above water, but Mr Shelley says they can only sustain their other overhead costs without any income for so long.

“The fear is that unless we can find a way forward to support the businesses … we will see a significant reduction in the number of tourism experiences available post-COVID.”

Library Link Victoria 2020 Access to Library Link Victoria will cease on June 30th 2020. If you wish to save information in your Library Link Victoria account - past or current request - please save this information before June 30th. A new way to request Inter Library Loans in coming in late 2020

Save your account details JULY 2020 | FIND GEELONG

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

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

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

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

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

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

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

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

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

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

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

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

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

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

• SMSF Penalties for Underreported Expenses Legislated

Announcement (28-Jul-2018)

Non-arm’s length income (NALI) rules are bring strengthened. In particular, the NALI provisions are bring re-written to include situations where expenses of the fund are reduced in order to obtain a non-commercial benefit. This new law will strengthen rules which were previously only part of guidance released by the ATO for SMSFs. Specifically, an income tax liability will be enforced as opposed to previous interpretations of tax and super regulations in relation to super fund borrowings. Draft ATO guidance has provided further situations where an SMSF may have underreported nonarm’s length expenditure, including where it may apply to all income.

Introduced (24-July-2019)

• Instant Assets Stimulus Package for 2020 Purchase

Announcement (28-Jul-2018)

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

Introduced (24-July-2019)

• Testamentary Trust Minor’s Distribution to be Limited

Announcement (28-Jul-2018)

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

Introduced (24-July-2019)

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

JUNE 2020

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JULY 2020 | FIND GEELONG

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

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Warren Strybosch 1300 88 38 30 warren@findgroup.com.au JULY 2020 | FIND GEELONG

RENTAL LISTINGS Phone 5442 1122 84 Mitchell Street, Bendigo www.realestatewebsite.com.au

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

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Want to Advertise your Rental Listings?

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

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JULY 2020 | FIND GEELONG

JUNE 2020

REAL EST

TATE A GENT

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

FIND GEELONG | JULY 2020

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NAIDOC Week to be celebrated in November Tuesday, 14 July 2020

We’re looking forward to recognising NAIDOC Week 2020 in November.

Acting Mayor - Kylie Grzybek

NAIDOC Week celebrates the history, culture and achievements of Aboriginal and Torres Strait Islander peoples.

“NAIDOC Week invites all Australians to acknowledge our history that dates back thousands of generations, embrace our culture and celebrate Aboriginal and Torres Strait Islander peoples.”

This year’s theme is ‘Always Was, Always Will Be’, which recognises that First Nations People have occupied and cared for this continent for over 65,000 years. For the first time in the event’s 64-year history, the National NAIDOC Committee has rescheduled NAIDOC Week this year. The decision was made to protect Aboriginal and Torres Strait Islander Elders, as well as vulnerable members of the community, from potential health risks posed by the COVID-19 pandemic. Planning is now underway to mark NAIDOC Week 2020 from 8-15 November and the City is excited to participate in celebrations. In previous years, local activities have included guest presentations, photography and art installations and flag raising ceremonies. The City will work with the Kilangitj (formerly Karreenga) Aboriginal Advisory Committee to plan appropriate celebrations in line with any health restrictions at the time. Groups and organisations can also apply for a Community Events Grant to assist the running of an activity. Grant applications open 17 July via our grants web page. For more information about NAIDOC Week, visit the NAIDOC website.

“While this event has been postponed, we should be striving to recognise and support our First Nations communities year-round.”

“In June, Council was proud to adopt Greater Geelong’s first ever Reconciliation Action Plan, which promotes better understanding and recognition, positive relationships, and equal opportunity.”

Chair, Social Inclusion - Cr Sarah Mansfield “We look forward to celebrating NAIDOC Week 2020 in November and encourage all locals to get involved in the event, while following the relevant health directions at the time.”

“In the meantime, let’s all consider how we can contribute further to reconciliation, promote understanding and support Aboriginal and Torres Strait Islander peoples in our community.”

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JULY 2020 | FIND GEELONG

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Local Services Help Residents Stay at Home Tuesday, 14 July 2020

A new resource created in partnership with local services has been made available for residents seeking support and information about family violence. The City of Greater Geelong has compiled the ‘Safe at Home’ toolkit in collaboration with G21 Prevention of Violence Against Women Health Services Alliance and Diversitat. The free online resource includes information and advice for people experiencing family violence. There is content specifically curated for Aboriginal and Torres Strait Islander communities, people living with disability, LGBTQIA+ people, and culturally and linguistically diverse communities. Support options are also available for people who choose to use violence. Safe at Home was formed in response to the coronavirus (COVID-19) pandemic and the challenges of living in isolation, but the resource will remain relevant with new updates and curated content. The initiative has also been guided by our Ba-gurrk Gender Equity Framework, which was adopted by Council in February 2019 and aims to drive gender equality in the community.

Diversitat Acting CEO - Brian McMahon

A social media and marketing campaign will also continue to spread the Safe at Home message.

“The pandemic has presented new challenges with how we communicate with CALD communities.

Explore the Safe at Home toolkit

Diversitat was proud to create family violence video resources in a number of key languages, including Karen, Arabic, Dari and Karreni, to spread the message that family violence is never OK.

If you are fearful or feel unsafe, or know someone who maybe experiencing family violence, call 000 if in immediate danger.

Chair Community Health, Wellbeing and Safety portfolio - Cr Pat Munane

The videos have already had a lot of engagement and will be a valuable resource for years to come.”

Community News and Updates

“We are grateful to partner with local networks to assist residents in the community. As we know, family violence does not discriminate, which is why we’ve worked hard to provide accessible content for people of all backgrounds. The uncertainly and isolation that has come with the coronavirus (COVID-19) pandemic has created challenges for all of us so it’s important the community takes care and looks out for one another.

Thank you to Belmont resident Bob Price

There is help available and this toolkit has local information and contacts that can guide people to find support they need.”

G21 - Geelong Region Alliance CEO - Elaine Carbines AO “Family violence is a scourge across our community and I encourage people to download the toolkit to help identify ways in which all members of our community can work to reduce its incidence.”

Council Kicks in to Reboot Local Arts & Culture JULY 2020 | FIND GEELONG

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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.

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350 Latrobe Terrace, Newtown VIC 3220

PROPERTY SALES REAL ESTATE TRAINING PHOTOGRAPHY & MARKETING

MON to Friday: 10:00am - 4:00pm* SAT: by appointment SUN: Closed www.geelongpm.com.au

WARREN RAPSON Marketing & Operations Manager Geelong Property Managers

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

OUR SERVICES

OTHER SERVICES

PAINTING SERVICES

PROJECT MANAGEMENT

INTERIOR PAINTING

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

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

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PROFESSIONAL SERVICES

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

Mentoring

Workshops

Coaching

Online Training

Master Class

Video Presentations

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DEB FRIBBINS

CONTACT

Business Coach | Mentor

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

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

JULY 2020 | FIND GEELONG

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

Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Builder Electrician Painter Plasterer Property Maintenance Cleaner

ADVERTISE HERE

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

Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Specialist Tree Services Interior Design Mowing Building Inspection Nursey Flooring

ADVERTISE HERE

JULY 2020 | FIND GEELONG

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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 12

INDEX

PROFESSIONAL SERVICES • • • • • •

Hair Dresser Osteopath Chiropractor Beauty Therapy Gym Massage Therapy

ADVERTISE HERE

JULY 2020 | FIND GEELONG

SPORTS

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

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JULY 2020 | FIND GEELONG

GEELONG

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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.

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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).

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