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OCTOBER 2020

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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.

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FEDERAL BUDGET 2020: ECONOMIC RECOVERY PLAN FOR AUSTRALIA By Warren Strybosch

As predicted, spending to stimulate the Australian economy was the focus of this year’s Federal Budget. The JobMaker Plan is the Government’s $74 billion response to support a stronger economic recovery and bring more Australians back to work. Tax cuts for individuals and business is also a major element of the recovery plan. Below we provide a ‘quick look’ at the announcements relating to superannuation, tax, small business, social security and job incentives. Please remember the measures outlined below are proposals only and are subject to change until legislated.

•

Tax •

° ° ° °

Stage 2 of the Government’s Personal Income Tax Plan will be brought forward by two years from 1 July 2022 to 1 July 2020 meaning: The top threshold of the 19% bracket will increase from $37,000 to $45,000. The low income tax offset (LITO) will increase from $445 to $700 with more favourable reduction rates. The top threshold of the 32.5% bracket will increase from $90,000 to $120,000. The low and middle income tax offset will be retained for the 2020-21 year providing a reduction in tax of up to $1,080. Whilst practically the measures are backdated to 1 July 2020, the effect will be that PAYG tax for the remainder of the financial year will be reduced to account for tax already paid.

Businesses with annual turnover less than $5 billion will be able to deduct the full cost of eligible capital assets acquired from 6 October 2020. For small and medium sized businesses (annual turnover < $50 million), full expensing will also apply to second-hand assets. Businesses that hold assets eligible for the enhanced $150,000 instant asset write-off will have an extra six months to first use or install those assets. Eligible companies (with aggregated turnover of less than $5 billion) will be allowed to carry back tax losses from the 2019-20, 2020-21 or 2021-22 income years. This may generate a refundable tax offset in the year the loss is made whereas usually tax losses can only be applied against future earnings.

• ° ° °

•

Miscellaneous Measures •

Social Security and Aged Care •

• •

Two additional $250 lump sum payments will be available to eligible social security, veteran and other income support recipients and eligible concession card holders with the first payment available in November 2020 and the second in March 2021. The payments will be received tax free and will not impact existing income support payments. An additional 23,000 home care packages across all package levels will be made available over the next four years.

Superannuation

Notably there was no mention of: a third round of COVID-19 early release payments delaying the already legislated increase to Super Guarantee Contributions extending the 50% temporary reduction in minimum payments for retirement income streams beyond 2020-21. The Government will provide $159.6 million over four years to implement reforms to superannuation to improve outcomes for superannuation fund members.

•

JobMaker Hiring Credit will be available from 7 October 2020 for each additional new job created for an eligible employee. Employers will receive $200 per week if they hire an eligible employee aged 16 to 29 years or $100 per week for those aged 30 to 35 years. The First Home Loan Deposit Scheme will be expanded to help an extra 10,000 people with property value thresholds for eligibility also increasing. The Government is investing an additional $1.2 billion through the Boosting Apprenticeships Wage Subsidy to support up to 100,000 new apprentices and trainees as well as delivering 50,000 higher education short courses.

If you would like to discuss how any of these budget measures may affect your situation, please contact us.

Business Stimulus

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Another 10,000 Places for First Home Buyers By Warren Strybosch

Under the First Home Loan Deposit New Home Guarantee Scheme (FHLDS), a further 10,000 places have been which will help first home buyers enter the property market. One of the measures announced by Treasurer Josh Frydenberg, as part of the 2020-2021 Budget, was the commitment to make available an additional 10,000 places under the popular First Home Loan Deposit Scheme (FHLDS). This now doubles the total amount of places originally made available this financial year from 10,000 spots to 20,000 spots. Let’s hope these measures continue so that other first home buyers can gain access to this scheme. To access this scheme, first home buyers will be means tested and need to have demonstrated a level of savings (refer below). What the FHLDS New Home Guarantee entails The National Housing Finance and Investment Corporation (NHFIC) has now released further details of the additional spots. The additional scheme allocations are available to first home buyers that are Australian citizens, 18 years and over, and wish to build a new dwelling or purchase a newly built dwelling with a deposit of between 5 and 20 per cent of the property’s value. It is not available for those wishing to purchase an investment property. • •

According to the NHFIC, eligible properties include: newly constructed dwellings (e.g. whether a freestanding house, townhouse or apartment)

• • •

off-the-plan dwellings (e.g. whether a freestanding house, townhouse or apartment) house and land packages land and a separate contract to build a new home.

The FHLDS NHG is only available to first home buyers who have a taxable income of up to $125,000 per annum for the previous financial year (if applying as a single applicant) or a combined taxable income of up to $200,000 per annum (if applying as a couple). A revised set of property price caps also apply for eligible properties under the NHG. They are as follows: Region

NHG Property Price Cap

NSW - Capital City and Regional Centre

$950,000

NSW - Other

$600,000

Vic - Capital City and Regional Centre

$850,000

Vic - Other

$550,000

Qld - Capital City and Regional Centre

$650,000

Qld - Other

$500,000

WA - Capital City

$550,000

WA - Other

$400,000

SA - Capital City

$550,000

SA - Other

$400,000

Tas - Capital City

$450,000

Tas - Other

$400,000

ACT

$600,000

Northern Territory

$550,000

Jervis Bay Territory & Norfolk Island

$600,000

Christmas Island & Cocos (Keeling Island)

$400,000

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OCTOBER 2020 | FIND GEELONG

Can You Contribute Into Super if not Jobkeeper and over age 67? By Warren Strybosch

The prudential regulator has provided guidance on whether individuals aged 67 to 74 who have been stood down from their employment but are receiving JobKeeper are able to make personal contributions. APRA, in an update to its FAQ page for COVID-19, has confirmed that RSE licensees will be able to accept personal contributions, under the work test rules, from an individual who is aged 67 to 74 where the individual had been stood

down from their employment due to the impacts of the COVID-19 pandemic but is in receipt of the JobKeeper payment. APRA stated that where an employer is receiving the JobKeeper wage subsidy for an individual, RSE licensees should consider the individual to be “gainfully employed” for the purpose of the “work test”, even if that individual has been fully stood down and is not actually performing work.

“In APRA’s view, it is appropriate for an RSE licensee to take this approach because the individual is still employed and is obtaining a valuable benefit from his [or] her employer,” the prudential regulator explained. In APRA’s view, the Jobkeeper subsidy satisfies the ‘work test’ for the purpose of voluntary superannuation contributions.

OCTOBER 2020 | FIND GEELONG

Special Feature: Your 2020 Candidates Revealed Who Should you vote for to represent our Shire? This will help you to determine who would you like to represent our shire. Please see the following pages for their short Bio. We have also prepared some questions that the candidates have answered succinctly. 1. Have you been a councillor before? If so, how long for? 2. Why do you wish to be a councillor? 3. What occupations hvae you had in the past? 4. Which Ward are you running for? 5. What do you see are the main issues facing your particular ward and Maroondah as a whole? 6. In your next four years as a councillor, if you get in, what will you do to make a difference?

WINDERMERE WARD My name is Sarah Hathway, I live in Norlane with my partner and two-year-old daughter and I’m a candidate in Windermere Ward for the upcoming Greater Geelong City Council Elections. I’m a member of Socialist Alliance and a union organiser in the health sector. I know what it takes to build community campaigns. Windermere is a large area for North Geelong out to Little River that seems to be neglected and ignored. If elected I am one vote on council which is why I want to work with community members across to ward to identify what issues are important to them that we can campaign around. 1. 2.

SARAH HATHWAY

NO. I don’t believe the interests of working people are being represented our that our Council is doing enough to advocate to the community. This is why I’ve put my hand up to see things can be done differently. I have been working as a union organiser for close to three years in the

4. 5.

My name is Monique Connell. I am a 3. mum of two (7yrs and 3yrs), and I am running for council to get climate action happening in Geelong. I want Geelong to have a vibrant community with job growth, education and infrastructure invested in to future proof our city. We need new fresh faces in council who understand what the community needs, and are not just 4. helping out their mates in business and 5. making decisions that only benefit a few. We need to invest in renewable energy, world-class recycling, community gardens, more efficient, reliable, and clean public transport. https://www.facebook.com/ vote1MoniqueConnellforWindermere 1.

MONIQUE CONNELL

I have never been a councillor before. To bring climate activism into every decision the council makes.

Windermere Ward. The Council seems to be very CBD centric, we’ve recently seen attempts from Council to partially destroy award winning architecture in relation to the Green Spine as a result the State Government had to step in and take control of the road. Now history seems to be repeating itself with discussions around vehicle access through Lt Malop St to Moorabool St. These issues are important but there is more to Geelong than the CBD. There are areas in Norlane and Corio that don’t even have proper footpaths, lack tree coverage, public toilets or parks. We need to get the basics right. We also need council to step up and advocate for the Geelong community to all levels of government to ensure we get funding for projects like the Northern ARC. I am not running as a career politician or developer looking to further my own

interests. I’m running because I want to work with and empower the community in the northern suburbs of Geelong to campaign for the issues that they care about. I want to ensure that the council provided services are retained and expanded and I will oppese any attempts to privatise or contact out services, or sell off council land and assests.

I currently work for the state government but I am also a qualified teacher, sports scientist and I have a degree in architecture. I have worked in schools all over Geelong, designed buildings, preserved artwork, worked in research, ans worked with the AFL. Windermere Ward JOBS, healthcare, education. The Windermere ward is quite large and contains both rural and urban communities who have both been hit hard b COVID. Investments in insfrustracture and job growth in the North is paramount. Build a world-class recycling system to create jobs and deal with all the rubbish we cannot ship to China using the fed gov’s $600 miliion

R ecyclin g Mo der nisa tion Fund develop a better, more efficient, and reliable public transport system, foster community gardening and education.

Hi, I am a proud resident of Corio, living with my wife (a medical doctor at Geelong Hospital) and my four year old son. Due to my vast experience in professional and educational fields, I believe I am the perfect Councillor Candidate to help improve the Windermere Ward in the Greater Geelong City Council.

•

I hold a PhD in Chemical and Biomolecular Engineering (University of Sydney), contributing to research nation-wide as a Research Fellow at Deakin University, RMIT University, University of New South Wales, University of Wollongong and University of Sydney.

•

Diverse community and commercial relationships are crucial to me. I am involved with many community networks, which possess leadership experience. This experience would

ENAMUL HAQUE

help greatly in my contribution to the Windermere Ward. Sectors I strive to improve include:

• • •

•

Enhancing post-pandemic support for all residents. Providing scientific and technological support to struggling local farmers. Initiating more local projects to create more jobs. Introducing new and more frequent bus

community. I strive to make the Windermere Ward a beautiful, liveable and resourceful area for all residents, establishing it as one of the best residential areas in Greater Geelong.

routes. Expanding and improving railway station & car parks in Lara, Corio and Little River. Boosting the economy through the promotion of local businesses. Creating new community hubs and leisure centres to help unify the area. Establishing new health centres and early childhood learning services for the growing population. Encouraging sustainable development to reduce our carbon footprint and promote a clean environment.

………………………………………

I listen to the community and I care about your voice. Support me and I will represent you.

Dr Enamul Haque [ Councillor Candidate for Windermere ] Research Officer – RMIT University Alfred Deakin Postdoctoral Research Fellow – Deakin University PhD – The University of Sydney

With my professional experiences and educational background, I am the perfect candidate for our

BELLARINE WARD Good to talk earlier today and the very best with this your latest journey. 1.

Yes . from 2004 -08.

Ensure our Bellarine community has a primary say and role in the future for The Bellarine.

Several including raising a family of four from Quantity Surveying - Cadet Patrol Officer TPNG - Transport Manager ACTA, Adelaide - Logistics Manager Alcoa, Point Henry - Business owner Glassmetal Industries, Silk Screen & Sign Factory and Cryo Grind Geelong – Consultant / Project Management – Council and full time community activist

Bellarine Ward.

The primary issue is for our community townships to come together and determine their individual and collective needs and expectations for the next 5 years, such that Geelong follows our example.

6 .

In s p i re t ow n s hi p [ s t o dete r mine their ne eds and ex pecta tions and wor k wi th each on a n ind ivid ua l an d co l l ect i ve bas i s in conjunction wi th Counci l s taff.

TOM OCONNOR

I am a social worker, mother of two teenage children and have lived in Barwon Heads for the last 19 years. Population growth, development and the impacts of climate change are significant issues facing the Bellarine. The Council has declared a Climate Emergency. If elected I would say NO to behaviors, projects, industries and business as usual and YES to smart urban and rural design- for buildings, businesses and communities, focused on water, energy, food, transport, waste and consumption, that creates jobs, regenerates nature and enriches lives. This is my first time standing as an Independent for Bellarine Ward www.putclimatefirst.org.

ELISE WILKINSON I have lived in Ocean Grove for 13 years and love the community atmosphere and beautiful environment. I live with my two senior rescue dogs and I foster other animals when I can. I enjoy spending time with friends and family, time at the beach with my dogs, practicing yoga, reading, attending live music events, going to local markets, road trips, and amateur photography, especially capturing the human-animal bond. I am Regional Group Leader for the Animal Justice Party Western Victoria. I am involved in various local community initiatives including Geelong Against Live Export, animal rescue and rehab groups, and local mental health, LGBTIQ and climate change activities. I am proudly endorsed by the Animal Justice Party (AJP), whose values are kindness, equality, rationality and non-violence. 1. 2.

NAOMI ADAMS

No I am passionate about the wellbeing of my diverse community and I want to ensure that ALL of the residents of the Bellarine Peninsula have a strong voice in Council. I want to see more women in positions of leadership and influence. I want to see more diversity in Council. I want to make a difference for the animals, humans and the environment. I am a Psychologist with over 20 years experience working as a counsellor and previously a youth worker, in a range of

community based, local government and health services. In my counselling career I supported residents of the Bellarine Peninsula for nine years, and when working in community health I represented my team as a union delegate. Prior to this career I worked predominantly in sales and hospitality sectors. 4. Bellarine • Lake Connewarre wetlands should become family friendly, safe, eco-tourism locations. • Dangerous poison baits (that have devastating effects not only on the targeted species, but on native wildlife and domestic animals) need to be replaced with alternative methods of introduced species control. • The Domestic Animal Management Plan (DAMP) needs to address backyard breeding, assist with affordable de-sexing, registration and microchipping, and instant re-unification when companion animals become lost. • Assisting local businesses with recovery from the COVID-19 pandemic, especially as the Bellarine is a tourist destination. • Protecting green spaces and wildlife corridors. • Supporting environmental projects that address the climate crisis. • Addressing erosion of our coastlines. • Capping housing development

• 5.

Improving public transport and bicycle tracks. I am passionate about social justice, animal advocacy and environmental issues. Throughout my career and my involvement in community activities, I have developed very successful community consultation and engagement skills, and I will consult the diverse range of Bellarine community members and community groups to ensure that they all have a voice. I will endeavour to achieve outcomes on the issues outlined above, as well as advocate strongly for other needs identified by my community – I work for you! I will always make decisions based on the core values of the Animal Justice Party - Kindness, Equality, Rationality and Non-Violence. Although I am endorsed by the Animal Justice Party, I am not a ‘single issue’ candidate (nor are we a ‘single issue party’) - I will advocate for the well-being of all residents of the Bellarine community, animals and humans alike.

BELLARINE WARD I was honoured to be elected in 2017 and to be the first Bellarine-based Mayor of Greater Geelong. My priority is listening to local voices and helping people with council issues. My passion is improving professional standards and promoting clear and honest communication from council. Local people tell me they want rates spent on shared trails, swimming pools, arts venues, libraries, decent roads and local streetscapes, and our peninsula protected and developed in a respectful, sustainable way. I led unanimous council support for prioritising climate change action and considering sustainability across all activities in the organisation. Critically for the Bellarine, our council also endorsed the Settlement Strategy in 2020 which limits new residential developments outside defined town boundaries. If re-elected, I will continue to protect our unique townships, drive the North Bellarine pool project, create trail links and bike paths, involve local expertise and set higher organisational performance targets.

STEPHANIE ASHER

1. 2. 3. 4. 5. 6.

Yes, councillor since 2017, mayor 2019-20 To ensure the Bellarine community has the infrastructure it needs and has a strong voice at council. Management consultant, sustainability specialist, corporate affairs manager. Bellarine Managing growth in a sustainable way, communicating effectively with council Continue to get things done, make sure the Bellarine ward gets its fair share of budget, speak up for the community

BROWNBILL WARD Hi. I’m Melissa Cadwell. I’m a Geelong local, like you. I grew up in St Albans Park, and I’ve lived here all my life. I’m a resident and ratepayer. I live on the same street that I grew up on where I’ve bought a house. I went to Geelong East Primary School and Geelong High School. I’m very committed to my local community. I’ve run several community campaigns to help local working families, increasing their take home wage, and keep them safe at work. Having lived all my life in eastern Geelong, I won’t just blow in and blow out like some other candidates when it’s election time.

I got a university education in my thirties, working full time & studying at night over 8 years. I now work as a union organiser, helping all kinds of workers secure better conditions at work. I’m asking for your vote at this election because I want to see people like us get a fair go from council. 1. 2.

My life has not always been easy, and I know what it’s like to do it tough – but I’ve worked hard to overcome the hurdles I’ve faced.

MELISSA CADWELL

of Councilor. Brownbill Our current Councillors only care about Geelong CBD and the fashionable bits of town. We never see them around my area in eastern Geelong

I grew up in a single parent family, after my father’s death from a workplace accident, and I’ve overcome a life-threatening childhood illness.

4. 5.

I was born and raised in Bell Park and educated in North Geelong and together with my wife Paula, raised a family in Brownbill and have a genuine interest in the well-being of the Ward. I have a long history of community service particularly of the ethnic communities of Geelong in my former capacity as President and Chairman of the Geelong Ethnic Communities Council, the Geelong Migrant Resource Centre and the Multicultural Aged Care Services (MACS). I am also a former member of the Refugee Review Tribunal and am a proud current serving member of the Australian Defence Force as a Specialist Reserve Legal Officer.

Geelong revive and thrive in the aftermath of the COVID-19 crisis. To succeed, Geelong needs a reinvigorated vision that tackles head on the challenges ahead but at the same time identifies and builds on Geelong’s strengths and advantages. I have extensive business and local government experience which equips me with unique skills and knowledge to help steer the City through these challenging times.

STRETCH KONTELJ

NO I reckon its time people like me got a fair go for a change from Council. There’s no-one like me currently on council. Which means that decisions are being made by people that don’t represent or understand my community. I think its time that we had people on council who do. I’m a mature, tertiary educated woman, with professional experience across many different industries - construction, hospitality, not for profit sector, vocational education, public health research, and the labour movement - so I bring a lot of varled skills and experience to the role

Prior to my overseas appointment in 2015, I served as a City of Greater Geelong Councillor for seventeen years, including a term as Mayor. This extensive experience will enable me to bring a unique skill set and knowledge to Geelong’s Council. After five years living and working overseas, I have returned to Geelong and feel impassioned to return onto the Council to help

because they never venture out of the inner suburbs. But they are supposed to represent everyone in the ward. It’s just not fair that our community misses out on council funding and projects, just because there’s no-one like us from where we’re from, on council. This will only change when we elect someone who’ll stick up for the outer suburbs. • I’ll represent the ‘forgotten people’ in the outer suburbs to ensure Council considers everyone’s needs & interests when making decisions and funding projects. • I’ll never vote to cut, privatise or contract out council jobs or the services they provide. • I’ll oppose increased costs for critical services like kindergarten, childcare, leisure centres, homecare and meals on wheels. • I’ll support projects providing good, secure local jobs, delivering real benefits for our community, like facilities upgrades for local sporting clubs.

- Protection of our environment, heritage buildings and neighbourhood character. - Development of sports clubrooms and facilities and increased funding for public open space, dog friendly parks and bike lanes where appropriate. - Economic and environmental sustainability and creation of jobs. - Fostering of the arts and culture to help revive the CBD.

I have worked as a lawyer, university professor, accountant and ADF Reservist over the past 6. 25 years, in Australia, the UK and Europe. Most recently, I was Group Legal Director and Main Board Director of Specsavers Optometry Group which employees over 35000 people worldwide and has a global turnover of over $3 billion per annum. Brownbill Ward in which my wife Paula and I have lived all our life and where we have raised and educated our three children. -Improvement and development of basic infrastructure including roads, drains footpaths, park and playgrounds.

Sporting Clubs and cultural Associations will need support to emerge from hibernation. I look forward to reengaging with Clubs and Associations and will strongly advocate for increased funding for sporting grounds, clubrooms, cultural programs and the arts. Cost of living is challenging all residents and businesses. I will work to cap rates at or below inflation, fight to protect heritage and neighbourhood character and lobby for increased footpath and road maintenance funding. I will be tough on hoons and graffiti. I appreciate the havoc wreaked by the current economic crisis and will champion support for businesses and jobs.

Hi everyone, My name is Peter Murrihy and I am someone who is passionate about Geelong and its future. What is special about Geelong is it’s lifestyle. Being just down the road from Melbourne, close to the Bellarine and a short drive to some of the best beaches in Australia. This is why Geelong is unique. I have been involved in Community sport for over 40 years and I just love this involvement. I am a Life Member of St Marys Sporting Club, been Senior Coach of Newtown and Geelong Amateurs. I am currently the President of The Geelong Racing Club and I have previously been President of the Lorne surf club. I am the proud Father of 3 daughters and we are all so fortunate to be able to call Geelong home If re elected this will be my 3rd time on Council and I do this because I want to make a positive difference. I am a Retired Policeman and I am standing for the Brownbill Ward. I speak about the lifestyle enjoyed by many in Geelong but I think one of the main issues facing all Councillors is the ability of all Geelong Residents to enjoy this lifestyle. A couple of issues I would like to see addressed in the next 4 years is a complete refurbishment of Landy Field and the Kardinia Park precinct.

PETER JOHN MURRIHY

BROWNBILL WARD Hi I’m Gabriel, I’m running for council in the Brownbill Ward, for City of Greater Geelong. I moved to Geelong from Zimbabwe in 2006 to study Law and International Relations at Deakin University, 14 years later I am proud to call Geelong home. I am married and my wife and I are expecting our first child later this year. I am a lawyer by training and I have loved getting into the community by serving as a Board Member of OneCare Geelong. I also volunteer with Red Frogs Australia, a chaplaincy network that seeks to provide a positive peer presence in alcohol - fuelled environments where young people gather. 1.

No I have not been a councillor before.

I want to give young people a voice as well as the multicultural community so that I am able to help as many people as possible.

GABRIEL WENYIKA

I am a lawyer by training, currently though I work for the Australian Bureau of Statistics here in Geelong.

Brownbill

There needs to be an improved recycling and hard waste management system, there needs to be more regularly and reliable transport particularly on weekends and more opportunities for young people.

I will seek to give voice to the concerns of the community as a whole, encourage a multicultural viewpoint on all matters before the council, ensure that young people are represented and heard in decision making. I will also consider all issues before the council upon their merits and in line with the Geelong City Councils Strategic Plan and for good of the Geelong community as a whole.

Increase the awareness of and expand Hard Waste Collection Services to reduce the dumping of white goods and other hard waste. I will seek to increase support for the Arts and for local businesses and evoke strong action on climate change.

I’m Sandi Dwyer a therapist, yoga, meditation and qigong teacher. The most important issue in every ward is Climate Change! We are on a steep upwards exponential curve, just like we were with Covid 19. We reversed the curve of Covid without having solutions. With Climate change, many solutions are available! When we respond interdependently change happens rapidly. “Put Climate First” in every decision:

SANDI DWYER

Zero emissions by 2030

Localise products and services

Restore and Regenerate ecology and biodiversity starting with soil

Citizen’s assembly – to bring the community into council decision making.

Putclimatefirst.org

Geelong has been my home for the past 10 years, where I live with my husband and two young children. We love the sense of community and beautiful natural environment. We want our family to grow up in a healthy, safe, environmentally sustainable and inclusive community. My connection to Geelong has grown over time through my work as a GP, involvement in community groups, sports, membership of a local school council, and volunteer work with a health literacy program for migrants and refugees. 1. 2.

KARDINIA WARD

SARAH MANSFIELD

4. 5.

Yes, for 3 years. As a GP, I know that our social and physical environment have a major impact on health and well being. I want to be part of a council that works to build healthier and more sustainable communities, and puts caring for people and the environment at the heart of its decision.

General practitioner, Senior Lecture at D e a k i n U n i ve r s i t y, M e d i c a l E d i t o r a t Australian Journal of General Practice. Brownbill Ward COVID-19 has had a major impact on everyone in the community. Many people have lost jobs, housing and social connections, and experience health problems. Young people in particular are facing a lot of uncertainty about their future education and employment. As a city, we are also growing rapidly, putting pressure on insfrastructure, and walking path connections. we need to show more leadership and work with the community to take stronger action on climate change. Housing affordability and homelessness is growing issue in the region. and there is a great need for affordable and social housing.

I will continue to listen to the community and work with them to: improve access to safe cycling and walking routes and more reliable public transport; take stronger action on climate change; reduce waste going to landfill including food organics; increase the availabilty of social and affordable housing; improve community sports facilities to grow female participation; increase loacl employment opportunities; and provide greater support for local business and arts to build a vibrant Geelong.

No I am committed to a vision for Greater Geelong that sees it develop into a smart, sustainable, and creative city. Te ache r, L aw ye r, Sma l l Bu s i n e s s Ow n e r, an d Comp any D i re c t or. Kardinia Ward Creating job opportunities; Youth mental health; Review of how rates are calculated; Business support; Accessible public transport; Better social, road and recreational infrastructure, particularly in the Southern Suburbs; and, Sustainable rubbish and recycling services. Please see my flyer or media release for more information. If elected, I will take action to ensure that Council delivers: (1) Projects that attract young people to live, study, work and invest in our community which will boost our local economy and stimulate new

job opportunities; (2) Improved parking, traffic management and integrated and accessible

KARDINIA WARD

ANDREW ALEXANDER

As a first-time candidate, I believe Kardinia Ward needs a new voice on Council who will bring fresh ideas and cooperative leadership. I am 41 and a father of two primary school children. I am a small business owner and lawyer with qualifications in management, public policy, law, philosophy, political science, and education. I have been a secondary school teacher in local schools, a commercial and family lawyer in Melbourne, and now manage a local law firm. My volunteer community involvement includes: multicultural ambassador with the AFL; community representative with the Victorian Multicultural Commission; and, currently a board member of The Geelong Swimming Club Foundation.

1. 2.

3 . 4. 5.

public transport infrastructure; (3) Sustainable rubbish and recycling services that minimise our waste production; and, (4) Better planning outcomes that help position Geelong as a major Australian tourist destination.

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KARDINIA WARD I was born and raised in Geelong and attended Geelong College, The Gordon TAFE and Deakin University. I am a Graduate of the Australian Institute of Company Directors. I am also involved in and strongly support the following community organisations Headspace Geelong, Geelong Bloodbank - Blood / Plasma donor since 1985, Geelong Environmental Council, Geelong Community Foundation, Friends of the Barwon River, Friends of Waurn Ponds Creek, Geelong Library Corporation, Cycling Victoria.

For me it’s to continue to be a strong community voice advocating for all on relevant topics in particular focusing on the health & well being of our community and the environment. And also keep a close watch on our economy as we recover from COVID.

Victorian Policeman (25 years as a Detective mainly in the crime squads - Major Crime, Homicide, and local crime investigation units), Director of a waste water treatment company (using organic processes instead of chemicals) , and built a company that redirects about 40,000 tonnes of wood waste each year from landfill to create a bio energy fuel source.

My interests include music , cycling , motor bikes and writing comedy. 1.

BRUCE HARWOOD

I was first elected to council in 2003 so about 16 years all up and have been elected as Mayor for over 4 years and Deputy Mayor for 5 years.

Planning how our ward and region will manage growth. Particularly infill density of established suburbs and infrastructure required for the new growth suburbs. While not compromising a healthy environment trying to retain neighbourhood character , amenity and connectivity.

Remain committed to the role, consult with and listen to the community. I’m always accessible to the community to hear their voice with an outcome focused attitude. And I’ll be working to increase the attention to our environment and the health and well being of the community.

Kardinia Ward

I am 22 years old, living in Mt Duneed. I’ve been raised and educated in Geelong completing secondar y school in 2016 at Kardinia Inter national College. I was ver y active in the spor ting community growing up being a member of the Geelong Swimming Club, Newtown City Hockey Club and Bar won Rowing Club as well as spending many years lear ning Jiu Jitsu and being a par t of the Australian Air Force Cadets . I enjoy spending my free time listening to music and going for walks through many of our city and region’s many par ks and reser ves. 1. 2. 3. 4. 5. 6.

No I want the opportunity to bring a fresh voice to council – a voice representing young people who are disproportionately underrepresented in all levels of government. I graduated secondary school in 2016 and since have been a train conductor and, now, station officer on the railways. Kardinia Lack of youth services especially regarding mental health along with inclusion. Everybody needs to be given the opportunity to participate if they want to and no one should miss out because of their sexual orientation, cultural background or whether they are living with a disability. I will always stand up and advocate for diversity and inclusion ensuring every member of our community is given a fair go. I will make sure Geelong is on the path to a future we can count on.

JACK WILLIAMS

JEN GAMBLE

I am a registered nurse who works in theatre. representation from more diverse groups 6. Outside work I volunteer for a nursing organisation across the community. I am a woman, a nurse, a wildlife rescue volunteer and I bring to arrange educational events and scholarships for a different perspective that I think we need on nurses to improve their professional development. Council. I also volunteer for a number of wildlife rescue 3. I have worked previously as a medical organisations rescuing animals when they are scientist, specialising in biochemistry. I injured or trapped and get them to medical then changed careers to become a nurse and have worked both clinically and in attention and into foster care. management at metro, regional and rural I attend Grovedale Baptist Church, a fantastic hospitals in Victoria and South Australia. community, and I am a member of the Geelong 4. Kardinia Ward. Cats men’s and women’s AFL teams. But most of 5. I see population growth and the loss of green wedges and wildlife corridors as a my time is spent out and about with my two dogs, huge issue, not only for our wildlife, but also both rescues, at the beach, parks and the You for our community as these spaces have Yangs, all the beautiful places Geelong has to offer! an important impact on the mental and physical health of people. The capacity of ser vices to meet the needs of our 1. I have not yet served on a Council. growing population across all aspects of life 2. I would like to provide representation for my span from newborn to elderly is going to be community. I believe that we need greater stretched enormously as our numbers grow.

I would like to see GAWS given better support by Council to meet the needs of our animal friends and to see more support to financially assist people to have their animals desexed. I also want to see Council working hard with our community to make Geelong a more environmentally sustainable place to live, we need to reduce our footprint not just of carbon dioxide, but of all waste and pollution. I hope to see our community healthier mentally, physically and economically across the four years I would be serving on Council.

I’m a father of three, a cancer survivor and have been in small business since 1992. I look forward to being a voice for Geelong. I’m passionate about my hometown and its future. Through my locally-based artist management company, I currently guide the careers of elite national artists and continue to perform myself as a musician. I manage the careers of a roster which includes Justice Crew, Nathaniel Willemse, Merril Bainbridge and Armstrong Creek local Taylor Henderson. It requires trust, skill, care, knowledge, but most importantly, the responsibility to create and the ability to deliver results. My achievements in small business, particularly in, but not exclusive to, the music and arts have given me an excellent perspective on how to generate growth in these and other areas. Tourism is crucial to the prosperity of our region, and I intend to utilize my local, national and international network to bring new and exciting opportunities to the City of Greater Geelong. I am not politically aligned, nor beholden to special interest groups which allows me to make decisions based on fact, evidence and best practice. I will listen to and give active, real consideration to the views of our community to achieve better outcomes for all of Geelong. My unique career and life experiences have led me to rare and wide-ranging opportunities. I have been instrumental in various charity work, had the pleasure of being the ambassador for The Australian Terminal Cancer Foundation. My experience has led me to National TV, as a finalist on The Voice in 2013. I’m also the mentor for The Talent College, which focuses on opportunities for youth in the arts. With your vote, I will put my leadership, experience and expertise to work to make us even prouder to call Geelong our home.

MICHAEL STANGEL

I have always had a keen interest in politics and decided its time to give back to the town that has given me so much support over the years.

Music Producer , Label owner, Musician, Small business owner, Fisherman, Second hand dealer.

KARDINIA

Post Covid management of Mental health , Infrastructure keeping up with development, Bringing opportunity to the south not just the city centre.

I want to make the council less boring and bring events and opportunities to the region that may seem beyond us right now. Example things like The Grand Prix, Commonwealth games, Geelong home finals, Things of a grand nature. A focus Procurement. Think big and don’t be afraid to do so.

KARDINIA WARD

ATAMJIT SINGH

“9 years experience working as a community worker. I understand the grassroots community issues. I have represented the Sikh and Indian communities at various Multicultural platforms. As a professional Education consultant, I work closely with young students and understand the role of education in community’s growth. Vision for PROGRESSIVE, DECISIVE AND DIVERSE GEELONG. Advocate for sustainable planning, better roads, modern sports and recreation facilities, achieving Climate Change targeted framework, better parks, new Libraries in the growth regions and continuous upgrade of existing libraries, work toward fixing the problem of unauthorized Graffiti. A vision for a more liveable city”

As a migrant this city has given me a lot and I will take every opportunity to give it back to the community. I want Geelong to be more Progressive, council decision making process must improve and there is the need to share equal social and economic resources with CLAD communities.

I manage Education Consultancy Company

Kardinia

Region needs immediate attention towards road infrastructure, sports facilities and sustainable planning

Advocate for sustainable planning, better roads, modern sports and recreation facilities, achieving Climate Change targeted framework, better parks, new Libraries in the growth regions and continuous upgrade of existing libraries, work toward fixing the problem of unauthorized Graffiti. A vision for a more liveable city.

Want a Loan?

Think twice before asking for an Accountant Letter! By Warren Strybosch

ASIC does not want mortgage broker or lenders trying to circumvent their obligations under Credit Legislation by asking the client to obtain an ‘Accountant Letter’ when it come to getting a loan. Prior to COVID, with the introduction of ‘Responsible Lending’, where the broker and/or lender has a responsibility to make sure the borrower can afford the loan, it had become increasingly difficult for consumers to obtain lending. Since, COVID, this has been made. even more difficult. Of late, there has been an increase in requests by mortgage brokers and lenders asking their clients to obtain an ‘Accountant letter’ which would state that the borrower has the capacity to repay the loan. These repay of capacity certificates’ or ‘accountant letters’ are being used by some lenders as a means of assessing a borrower’s ability to service a loan before actually approving the loan. Such letters, in effect, are involving the accountant in the risk assesment of a potential borrower, and ASIC, as well as the Accounting Assoctiations, are concerned about the pontential liability risk these accountants are taking on; essentially as these letters tranfer the risk from the broker to the accountant.

ASIC, in their past research, found that mortgage broker were regularly approaching accountants to provid capacity to repay certificates on behalf of borrowers, especially in circumstances where finance was being sought for a borrower in mortgage stress. With COVID, there has been a dramatic increase in these requests. ASIC has already warned all accountants and their respective associations that the provision of ‘accountant letter’ and ‘capacity to repay certificates’ is now restricted to holders of an Australian Credit Licence under the National Credit Act. Under this Act, the signing of a capacity to repay certificate or providing other similar declarations by accountants may in fact be a breach of

the National Credit Act unless they are appropriately licensed. Most accounting associations do not allow accountants to supply these letters or certificates. Now, more than ever, with the introduction of Best Industry Duty (BID), the possible removal of Responsible Lending, accountants will need to think twice before supplying a letter or certificate. Brokers will also need to rethink these requests in light of the removal of Responsible Lending and introduction of BID. Both parties, going forward, could potentially be fined, lose their license, and/or face civil penalties. Basically, don’t use an ‘Accountant Letter’ when trying to obtain lending.

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SPECIAL FEATURE - SELF MANAGED SUPER FUND ACCOUNTANT By Warren Strybosch

This month we are providing a special feature on Self-Managed Super Funds. Self-managed super funds (SMSFs) in Australia are privately run super funds that can currently have between one and four members (who must also be trustees of their fund). However, Senator Jane Hume has introduced Treasury Laws Amendment (Self-Managed Superannuation Funds) Bill 2020 into the Senate in the first week of October which amends the SIS Act, the Corporations Act, ITAA 1997 and Superannuation (Unclaimed Money and Lost Members) Act 1999 to increase the maximum number of allowable members in SMSFs from four to six. The question is whether or not there will be any interest in increasing the SMSF to six-members and a lot of people are unsure why it is even being considered. Currently, according to the ATO, only 4% of funds have three or four members with the majority of SMSF, approximately 70%, being a two-member fund e.g. married couple. So, is there a real need for a sixmember fund? The bill has been delayed but everyone including the ATO is preparing for these changes to be passed in November or December. How many SMSFs are there? The latest available ATO figures indicate there were nearly 596,180 SMSFs in Australia in March 2020. This is an increase of 15% over five years. What is of interest to note is that since 2018, soon after accountants lost their ability to provide advice in this area, there have been fewer SMSFs being set up. The table below highlights that while the total number of SMSFs and members are growing steadily, the rate of growth is slowing. The rate of growth in new funds has fallen 41% from around 34,000 in 2014/15 to 20,000 in 2018/19. Over the same period, wind-ups had been increasing although the ATO comments that the unusually low figure for 2018/19 does not include complete lodgement data.

Who can provide SMSF advice? It is important to understand that a SMSF is a financial product. As such, anyone wanting to provide advice in this area, even the set up and closure of a SMSF,must be appropriately licenced under an Australian Financial Services Licence (AFSL) or be an Authorised Representative (AR) of an AFSL. Importantly, the accountants’ exemption (Regulation 7.1.29A) was repealed on 1 July 2016. This means that an accountant, or any individual, cannot recommend the set up or wind up of an SMSF without being appropriately licensed under an AFS licence. This includes advice that could reasonably be regarded as being intended to influence a person in making a decision about an interest in a SMSF. It is imperative that consumers understand that accountants, even if they hold the ‘Accredited SMSF Association Specialist’ designation from the SMSF Association cannot provide SMSF advice except to provide tax return advice. All other advice related to SMSF e.g. set up, closure, contributions into super, withdrawals and pension payments, can no longer be provided by accountants. Only those who are an AFSL or AR can provide this advice. Note: Even an AFLS or AR must still be listed as being able to provide SMSF on the Money Smart Website. You can find out who can and cannot provide advice in this area by going to the ASIC website and searching under the Professional

register for any person giving advice. There will then be a link from the ASIC site to Money Smart specifically stating if they can provide SMSF advice under their licence arrangements. The provision of unlicensed financial product advice is potentially a breach of the law and could incur significant penalties, including fines up to $36,000 for an individual or up to two years imprisonment. Further, it will not be covered by Professional Indemnity Insurance and could risk professional membership. If you know of an accountant or an individual that is providing advice in this area and is not licensed to do so, you can report them to ASIC or the Tax Practitioners Board (TPB). When should you consider a SMSF? Our opinion is only if you wish to hold a commercial property e.g. factory or commercial office, art, or some other asset in your SMSF that normal superfunds cannot hold. Now, with the introduction of platforms within industry funds and other APRA regulated funds allowing clients to buy and sell shares, EFTs, Term Deposits and the like, whilst making sure the super fund is compliant, there is no real reason to set up a SMSF. Control is not a good enough reason anymore and neither is cost. How much does it cost to set up and run a SMSF?

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There are certain legislative costs that must be paid:

fees have increased now when taking into account the new investment strategy requirements.

1. ATO Supervisory Levy - $259 2. Company Trustee online Setup (if applicable) - $506 + $36 ASIC fee. If you already have a company set up, you can pay a smaller fee to use your existing company as Trustee for the SMSF.

Overall, a SMSF is a costly exercise, and consideration to cost should be taken into account when setting one up. Investment Strategy: Diversification on ATO Radar

Other fees you will need to pay annually:

Given some of the significant market corrections this year, it is fair to say that the ATO may send out further letters to SMSF trustees and their auditors in the near future regarding asset concentration risks in their fund.

3. Audit Fees – range from $440 to $1100 depending on complexity 4. Accountant fees (return) – range from $775 to $5,500 depending on complexity 5. Software fees (maybe included in return costs) – range from $110 to $275

Last year, the ATO contacted 17,700 SMSF trustees and their auditors who had more than 90 per cent of their assets in a single asset class. The ATO reminded these trustees of their legal obligations to formulate an investment strategy that considers asset concentration risks and diversification.

A new fee that Trustees will have to be aware of is the financial planning fees. The ATO is now requiring Trustees of SMSF to have prepared detailed Investment Strategy that is regularly reviewed. At time of writing this, it is unclear how often it has to be reviewed but we believe if your circumstances have changed and it will have a bearing on your SMSF, then the auditor may require this to be reviewed.

We would expect to see further letters sent out at some point by the ATO to trustees in regard to this particular issue of diversification. It should also be noted that the ATO recently highlighted in its COVID-19 FAQs that significant events such as market corrections may prompt a review of a fund’s investment strategy and may require an update to that strategy.

6. Financial Planning (Investment Strategy) – range from $1,110 to $22,000 depending on complexity. The ATO released in June 2020 the SMSF cost figures that related to the 2017-2018 financial year, which showed that the average SMSF costs were just below $5,000 per year. However, it is likely these

would look to impose administrative penalties. The penalty could be imposed at either an individual level, jointly or between the directors of the corporate trustee. This would result in a section 55 action, whereby an aggrieved member, may be able to take action against a Trustee for mismanagement of their money with the SMSF. The investment strategy is not just about meeting the ATO’s compliance requirements but also about protecting each of the Trustees in the event that something happens to the investments. For instance, a property is purchased but the property in retirement phase does not allow 5% of assets to be drawn down as a pension. The Trustee may be liable for using other member’s funds for purchasing the property for which that member now cannot set up a pension unless the property is sold. I believe this may be a recurring issue over the coming decade for Trustees who have purchased properties over the past 20 years with little thought or the lack of advice provided around this issue. Overall, it is important to seek appropriate advice when considering setting up a SMSF. Alternatively, you may wish to consider closing your SMSF down.

Warren Strybosch You can call them on 1300 88 38 30 or email

The ATO has made it very clear that where the trustee had not adequately considered diversification as part of the investment strategy of the fund, then they

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

INSURANCE

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

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How to Survive a Volatile Market FINANCIAL PLANNING By Chris Carlin

When it comes to investing, market volatility is to be expected. Despite common perceptions, money can be and is still made in the share market despite its volatile nature you might just need the right financial planner. Often in a volatile market, people panic and start to sell down shares. Selling shares after a sudden and dramatic drop in the market is often the worst thing you can do. Selling down shares after a fall in the market means you are securing these losses. Here are a few helpful tips. 1. KNOW THE MARKET If you instead stay calm and hold onto these shares over time, the market will generally bounce back. So you may not lose any money at all. The key to surviving in a volatile market is to be patient and to not make any rash financial decisions as a reaction to a sudden decline in the market. It’s all about time in the market, not timing the market. It’s hard to pick the highest or lowest point in the market, and even the most successful economists get it wrong. Unlike timing the market, time in the market is a long term financial strategy that can provide a healthier return the longer you own the shares. As a result, you are better to invest small portions of money on a regular basis to average out your purchase price and smooth out the effects of market volatility. 2. SMART INVESTING If you can avoid investing all of your money at once, it removes the risk that you will invest a large portion of money at the top of the market and you will be a smarter investor for it. It is also important to invest in good quality, blue-chip companies, and plan to invest for the long term. A good financial strategy to start with is a ‘buy and hold’ strategy, where you invest for the long-term. This will remove the temptation to sell out at the wrong time and potentially cost yourself a lot of money. A volatile market can be challenging to enter and succeed in, financial planning is a strategic move that can help you make smart investments.

MARKET CRASHES Market crashes are not a thing of the past; they will continue in the future. Nobody can predict exactly when the next one will be or how bad it will be. Over time there have been several market crashes and world events that have had a huge impact on the share market. The key is to remember that after each one of these crashes, the market has recovered. The most important thing to remember is not to make impulsive decisions in reaction to market volatility. Stick in there for the long run. Invest in good quality companies. Invest gradually and adopt a ‘buy and hold’ strategy. MASTER YOUR MONEY NOW You haven’t lost money in the stock market until you sell your shares and crystallise that loss. So when the market is volatile don’t bailout, but instead hang in there for the ride. Master Your Money Now is a financial planning and education service, and we can help you become a smart investor and create financial strategies that work for you. If this is a topic that you would like to discuss in more detail, please go to www.MasterYourMoneyNow.com.au/ getstarted to book in your complimentary 30-minute strategy session. If you want to know more about Master Your Money Now, go to www. masteryourmoneynow.com.au and follow Master Your Money Now on: Master Your Money Now – Facebook – www.facebook.com/ MasterYourMoneyNow.Com.Au/

Master Your Money Now – Instagram – www.instagram.com/ masteryourmoneynow Master Your Money Now – LinkedIn – www.linkedin.com/company/ masteryourmoneynow/ Master Your Money Now – YouTube – www. youtube.com/channel/UC7ulBKKq3igAPWzhNmerNQ 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

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STAND GUARD AT THE DOOR OF YOUR MIND RESILIENCE COACH By Sally Higoe

Over the past six months, news of the spread and devastation of COVID-19, or coronavirus disease, has dominated every one of our media channels. It’s on the TV, the radio, in your news feed, it’s in your inbox, and everyone around you is still likely talking about it. But even more noteworthy than the virus itself is what has happened in reaction to it. The stock market has fallen, entire countries have been in lockdown, popular events all over the world have been cancelled and millions of children have missed months of school. The panic and chaos triggered a new found rudeness in stores, stock piling of items, a disapproving glance over a cough, split second judgement of others... and the going rate for a bottle of hand sanitizer even reached 10X its retail price! Many of these behaviours are driven by one emotion: FEAR. Fear is a natural emotion that signals a potential threat to your physical or emotional safety. But fear, unchecked by facts, leads to negative behaviours like discrimination and poor decisionmaking. So how can we avoid making decisions based on fear? Or worse, continually living in a fearful state? Every moment of our lives, we are each choosing which way to go. Every moment of our lives, we have a decision to make. That decision is: What am I going to focus on? What we choose to focus on affects our whole life. Whatever we focus on, we feel – whether it’s true or not. Our problems are created through focus. Our opportunities are created through focus. We choose. Are you unconsciously letting the media, society and the scent in the air of fear and anxiety draw on your focus? Or are you, like Jim Rohn taught Tony Robbins to do, choosing to “stand guard at the door of your mind? Standing guard doesn’t mean living in a bubble or ignoring the reality in which you live – it simply means making conscious decisions about what you are

willing to give your time, energy and effort to.”

Sally Higoe

In these times we need to remember to STAND GUARD. If we don’t discipline our fears and control our focus, the world will gladly do it for us.

The Resilience Coach

Acknowledgement - Tony Robbins (tonyrobbins.com) & Chris Mok

Team Resilience Method 438963718 sally@theresaliantcemethod.com.au OCTOBER 2020 | FIND GEELONG

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WHAT IS YOUR “WHY” BUSINESS COACH| MENTOR By Deb Fribbins

Your WHY serves as a reference point for all you do in business. Your customers do not come to you in your business to help you make a profit. They do so because your products or services are of value to them. Simon Sinek says:” People don’t buy what you do, they buy WHY you do it. What you do proves what you believe.” Owning your business whether as a sole trader, company or partnership can be very rewarding. Now more than ever Small - Medium Enterprises (SME) have the best chance ever to grow and thrive as our lives take on some sort of normalcy. We will not go back to the way things were. We will have evolved with our customers. The big advantage we have is the lack of structure that we are tied to AND the ability to change to consumer demand more efficiently. Many large corporations are not able to pivot as easily as they are locked in to too much history. What is your “WHY”. Are you fulfilling a dream, or simply buying/ creating a job for yourself? What is your purpose? What has motivated you to buy / set up a business? What are your goals? What is your focus? How do you know if you are on the right track? How do you identify your goals? Too often we allow our heads to dictate to our hearts. We must listen to our heads and weigh up the pro’s and con’s of our dilemma’s. If the status is relatively equal then go with your heart/ gut instinct. You can make figures say whatever you want them to. Is your cup 50% full or 50% empty. There are no sure things in life. The old saying the only things you can count on in life are death and taxes are true. HOWEVER you can manipulate the stakes in your favour if you run your business with an open mind and a clear understanding of what your customers want. Inspire them to want your goods or services to address their issues. Sell the sizzle not the sausage. We live in selfcentred times where our clients only ask What’s In It For ME (the WIIFM era). If you are truly passionate about your business and what it can do for your clients, you will succeed.

Define very clear Vision statement of your path to success. From that Define a Mission statement that clearly identifies your clients’ needs and how you can support their needs. With these two clearly set as your focused goals for success you can start to plan your business venture.

Achievable • Are your plans cost effective, on all resources

Key advantages to running your own business with passion are:

Sustainable • Is the effort for outcome sustainable

1. Flexible hours 2. Set own direction 3. Implement your standards and values 4. Pursue your passions 5. Improve standards in your industry When devising plans, to address the issues you have determined, for the customers you have defined, ensure you keep them track. Put you T.R.A.M.S. on track are they: Timely • Is this the right time for the consumer? Realistic • Do you have the resources and necessary qualifications?

Measurable • What are your KPI’s to measure the success

Ensure you own the business it does not own you

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

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“Responsible Lending To Be Scrapped?”

MORTGAGE BROKER By Lee Wisniewski

Before we begin… Last week I was lucky enough to be interviewed on Property TV, by the outstanding buyer’s agent and allround legend Cate Bakos. Check it out a propertytv.io What a time to be alive, huh?

So, as of March 2021 we are likely to see borrowers being able to take some responsibility of their own budget and their ability to repay a loan. At the moment lenders are like detectives and asking all sorts of questions to be seen as “responsible” in the eyes of the regulators but that is being scrapped, which is great news for our industry as a whole, because it means the lending floodgates are set to open again.

•

Responsible lending laws scrapped (see below)

More money = more buyers = a more positive sentiment, which means more sellers.

•

Westpac’s record $1.3b fine – That’s one -thousand-three -hundredmillion-dollars. Ouch!

OK so time to dust off the crystal ball and see how I believe this will play out:

Almost $90,000 in government support to build a new first home (if you factor in Homebuilder, First Home Owner Grants, Stamp Duty Concessions, First Home Loan Deposit Scheme etc)

1. Lenders will not have to scroll through pages of living expenses. If the client’s quoted expenses are within a reasonable pre-set range then the lender will take that figure which will result in a higher borrowing capacity in many instances.

•

Trump got COVID (and then decides to share it with his secret service staff by making them drive with him in a bulletproof and sealed card to wave at some crowds – WHAT A GUY)

Despite all the chaos, here at Fidget we are very buoyant this week as I truly believe now is a great time in the lending space. If you hadn’t heard, in the news this past week the government has mentioned it will be removing the responsible lending obligations on lenders (literally scrapping 100 pages of rules) which were brought about after the GFC. This is mainly because lenders took it too far and credit is harder to get than it needs to be.

2. This higher borrowing capacity will bring many more investors back into the market, as they are the most affected by this scrutiny currently. First home buyers will be competing with investors again… 3. More people back in the market which should lead to more competition and higher prices.

one of the best opportunities we’ve had in a very very long time.

Note: above I mention buying a good quality asset. This is an absolute key in this new post-COVID world. We are unlikely to have as many international students/buyers and people are not as likely to want to (or need to) live near CBD offices, which brings a whole new strategy for picking quality properties. If you want help with this I recommend engaging a top buyer’s agent to ensure you don’t buy a dud (ask me for details). Is something holding you back from borrowing or buying at the moment? Is it a real and founded worry or is it just a made-up concern like the boogie man? Let’s have a no obligation chat about it and see if your worries are justified or not (I’m talking about buying a property, not the boogie man by the way) Until then, stay safe and confident.

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

So, if you are thinking about buying a (good quality) property in the next few years now might be the time to pounce. There will still likely be short term volatility but if you have a medium-long term view (which you should) then now might be OCTOBER 2020 | FIND GEELONG

FIND GEELONG | OCTOBER 2020

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INSTALLING A SHED ROLLER DOOR GARAGE DOORS By Chantal Djuric

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

Then we cut the bottom off the tracks so that the top stop is level with the top of the opening. Next, we slide the tracks onto the edge of the roller door, ensuring the top stops remain above the bottom rail to prevent the door rolling further upwards. Then we lower the door to the closed position, push the track against the wall and adjust sideways so there is a 3–6 mm gap between the inside of the track and the black plastic button at the end of the bottom rail. Using a builder’s level, we make sure the tracks are vertical before screwing or welding them to the walls with appropriate fasteners. With the door in the open position, we loosen the two-axle clamp bolts and, using the slots in the wall brackets, move the door in towards the wall until almost touching the track front face and retighten the bolts. We adjust the operators, position the shute bolts at the ends of the bottom rail, mark the mounting bolt hole positions and drill so that the square shank of the domed headed coach screw will bite into the hole and not turn.

With the domed screw heads on the outside of the door, and the door in the fully closed position, we mark and cut a hole in the side face of each track for the locking bolt to slide through. The final part of the process is to remove the outer protective film from the curtain door surface – and that’s it! If you think this sounds complicated, you’re right! Too many things can go wrong. Aside from damaging the door, its components and your garage, you could suffer a severe injury. Our advice is – leave it to the experts! For 24/7 garage door servicing, give Cruzin Garage Doors a call on 0427 894 603 or email us at sales@ cruzingaragedoors.com.au.

Chantal Djuric GARAGE DOORS 427 894 603 www.cruzingaragedoors.com.au

findgeelong.com.au

OCTOBER 2020 | FIND GEELONG

Plan to Lift Cap on International Arrivals By Matt Coughlan

(Australian Associated Press)

HOW THE CAP ON INTERNATIONAL ARRIVALS COULD BE LIFTED FROM 4000 TO 6000 NSW • • •

Current weekly cap: 2450 Current average: 2215 Proposed new cap: 2950

QUEENSLAND • • •

Current weekly cap: 500 Current average: 526 Proposed new cap: 1000

SOUTH AUSTRALIA • • •

Current weekly cap: 500 Current average: 183 Proposed new cap: 600

WESTERN AUSTRALIA • • •

Current weekly cap: 525 Current average: 512 Proposed new cap: 1025

VICTORIA •

International flights paused during second coronavirus wave

ACT, NT and TASMANIA •

No commercial flights into those jurisdictions but discussions about hosting quarantine ongoing

AUSTRALIANS OVERSEAS • • •

More than 26,000 of the 35,000 people registered with the government overseas want to come home An estimated 3500 are classified as vulnerable More than 385,000 have returned to Australia since March 13

Deputy Prime Minister Michael McCormack has urged states to take more Australians returning from overseas through expanded hotel quarantine programs. The federal transport minister wants the national weekly cap to rise from 4000 to 6000 in a bid to get more of the 26,000 people stranded abroad home. Under Mr McCormack’s plan, NSW, Queensland and Western Australia would lift state caps by 500 people a week.

South Australia has agreed to take an extra 100 people, while Tasmania, the ACT and Northern Territory are in discussions about chipping in. Mr McCormack has written to premiers and chief ministers asking for their support ahead of Friday’s national cabinet meeting. “I want to make sure that more Australians can return home,” he told reporters in Wagga Wagga on Wednesday. NSW Premier Gladys Berejiklian made her support conditional on WA and Queensland each agreeing to take 500 more people a week. WA Premier Mark McGowan criticised the deputy prime minister for going public with the proposal before national cabinet had considered it. But he appears to be open to a higher cap, raising the prospect of Rottnest Island being again used to quarantine people. Queensland Premier Annastacia Palaszczuk is willing to take more people in hotel quarantine provided capacity is available. She urged the federal government to use its own aircraft to fly people home, echoing a federal Labor proposal to use air force jets. “I don’t want families to be separated by very, very long distances overseas when they are isolated and when a lot of countries are still in lockdown,” Ms Palaszczuk told reporters. Mr McGowan believes Commonwealth defence bases

could ease the pressure on Perth’s hotels but has cooled on calls for Christmas Island detention centre to be used. Christmas Island is being used to detain convicted criminals. The federal government argues defence bases are not suitable because of shared bathrooms and the risk of outbreaks. The ACT is open to taking 150 a fortnight on a single chartered flight provided federal police and the defence force are enlisted to help. Federal Labor leader Anthony Albanese said Mr McCormack lacked influence. “How absurd is it that the deputy prime minister holds a press conference today and says he’s writing a letter about the 25,000 Australians who are stranded overseas?” Mr Albanese told reporters. “This isn’t the responsibility of the states, this is the responsibility of the national government.” He wants the federal government to run its own quarantine programs alongside states. Mr Albanese said the government should also look at chartering Qantas planes and using other air force aircraft to bring people home. Victoria recorded 42 new cases on Wednesday and eight deaths taking the national toll to 824. The 14-day average fell below 50, the mark needed to allow the next stage of restrictions in Melbourne to be eased on September 28. NSW recorded 10 new cases, with four linked to known outbreaks and the rest in hotel quarantine. OCTOBER 2020 | FIND GEELONG

FIND GEELONG | OCTOBER 2020

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Australia Signs Global Virus Vaccine Deal By Daniel McCulloch (Australian Associated Press)

Australia has signed onto a global coronavirus agreement in the hope of gaining early access to dozens of potential vaccines. The deal guarantees Australia access to enough vaccine doses for up to 50 per cent of the population. Australia has committed an initial $123 million to be part of the purchasing pool. “It means that we’ll have access to any of potentially dozens and dozens of different vaccines that are being developed,” federal Health Minister Greg Hunt said on Wednesday. “Australia has contributed, along with over 80 other countries, to have that right.” The deal is in addition to agreements Australia has already struck with vaccine developers at Oxford University and the University of Queensland. “It’s about making sure that we have additional protection, additional access, additional support,” Mr Hunt said. “It’s also a facility which means that the developing nations, whether it’s in Africa or Asia or Latin America, will be guaranteed access.

“And that protects Australia by protecting the world, as well as doing the right humanitarian thing.” The COVAX facility was established by the World Health Organisation and other international agencies. It aims to ensure equitable access to safe and effective coronavirus vaccines.

This is Australia’s second commitment to the facility after donating $80 million in August to provide doses to developing countries. As well as allocations for individual countries, 10 per cent of manufactured doses will be retained to respond to sporadic outbreaks across the globe.

Canola Fields Light Up Australian Harvest By Matt Coughlan (Australian Associated Press)

Golden fields of canola across Australian paddocks have brightened recovery prospects for many farmers battered by years of drought. The government forecaster predicts winter crop production in Australia will increase by 64 per cent in 2020/21, which is 20 per cent above the 10-year average. Rabobank grains and oilseeds senior analyst Cheryl Kalisch Gordon said national canola production was predicted to rise 50 per cent. Good season-opening rains allowed earlier planting of canola, which generally has an earlier window than many crops. “In most areas that’s been followed up with sufficient rain throughout the growing season keeping it on track to really have a sensational year-on-year increase,” Dr Kalisch Gordon told AAP.

“That’s really going to be driven by a resurgence in supply from New South Wales which year-on-year is something close to 290 per cent.” Export markets are shaping up well, with Europe having a second belowaverage harvest in a row. “That’s in part due to COVID, meaning they’re using less canola in the production of biodiesel,” Dr Kalisch Gordon said. “But still they’re looking at close to record levels of imports.” Europe typically imports canola from Ukraine, which is on track to produce around one million fewer tonnes this year due to dry weather. “It really puts Australia in the box seat for supply into Europe,” Dr Kalisch Gordon said. Canada – the world’s biggest canola producer – grows up to 95 per cent genetically modified crops, with the EU preferring non-GM varieties.

The majority of Australian canola is not genetically modified. Dr Kalisch Gordon said wheat was also on track for a strong season with prices higher than the last time Australia had excess supply in 2016/17. Barley, the other major winter crop for many Australian farmers, is under pressure amid a trade dispute with China. “Barley is going to be a challenging outlook, but I think for wheat we’re going to have some good pricing that is going to support the start of the recovery for lots of farmers on the east coast,” Dr Kalisch Gordon said. “When they get some cash in December that will be the first time in three years. “It’s just the start of what’s required but it looks at this stage to be a fairly good start on that road to recovery.”

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OCTOBER 2020 | FIND GEELONG

Australians Told to Work a Local Gap Year By Matt Coughlan (Australian Associated Press)

Young Australians could be given student debt discounts to work across regional Australia in a bid to plug critical labour shortages. An interim parliamentary committee report has floated the measure as part of a wider plan to address urgent needs across regional Australia. People on the dole should be able to stay on JobSeeker while performing lowpaid agricultural work, the committee said. The federal government is being urged to develop a “have a gap year at home” campaign to attract year 12s and university graduates to work in regional areas. The campaign should give consideration to a HECS/HELP discount and appeal to young people’s “patriotism” along with those who planned to take a year off overseas. The federal government should work with states and territories to recruit workers from Pacific nations under two labour schemes. The report recommends a raft of changes to the working holiday maker visa to be in place for the 12 months. Backpackers could count work in key industries across all regional areas towards a second or third year in the country. Travellers would be able to work in hospitality, tourism and other industries in all regional areas rather than just northern Australia. Working holiday makers should be able to work for the same employer for more than six months provided they are outside major cities.

Border movement exemptions would be in place in areas with high labour needs and no coronavirus cases.

of working holiday makers entering Australia would have on the upcoming harvest season.”

More financial incentives would be given for visa holders to work on farms.

Labor’s agriculture spokesman Joel Fitzgibbon said more needed to be done higher up the value chain to create interesting and sophisticated jobs for Australians.

International student graduates should be offered to stay in the country for an extra one or two years to work in critical industries in regional areas. Committee chair and Liberal MP Julian Leeser said the interim report was designed to help the government respond to urgent labour shortages. “During the course of the committee’s public hearings, it quickly emerged that a major shortage in agricultural labour is emerging,” he said. “Time after time, the submissions and witnesses to this inquiry told the committee about the effect that a lack

“COVID has highlighted our vulnerability on a number of fronts including our dependence on foreign labour,” he told the ABC. The report also recommends a oneoff payment to help with travel and accommodation costs to be paid after a certain period working in regional and rural areas. The committee wants a hotline established for working holiday makers to address exploitation concerns and workplace rights.

OCTOBER 2020 | FIND GEELONG

FIND GEELONG | OCTOBER 2020

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Business worried about end of Stimulus By Colin Brinsden, AAP Econimics and Business Correspondent

(Australian Associated Press)

Almost two-thirds of medium-sized companies are concerned economic activity faces a significant decline, resulting in even higher unemployment, when the federal government unwinds its COVID-19 stimulus measures. As Treasurer Josh Frydenberg puts together his delayed 2020/21 federal budget for October 6, a KPMG Enterprise survey found over half of private, midsized firms and family businesses have benefited from measures like JobKeeper. Increasing the GST and raised productivity to drive revenue growth were considered the two measures that would be most effective to help reduce government debt, scoring 41 per cent and 40 per cent respectively. ‘Interestingly, raising GST was the only taxraising measure considered an effective option for the government,” KPMG Enterprise national tax leader Clive Bird said. “Previous KPMG modelling has shown that overall economic welfare is improved if the GST base is expanded,

even if the rate is kept at 10 per cent and other ‘inefficient taxes’, like insurance taxes and stamp duties on motor vehicles, are abolished.” Per Capita’s annual tax survey found almost two-thirds of respondents want to see JobSeeker increased by at least $75 per week. Nearly a quarter believe the dole payment should remain at least at the increased rate provided through the coronavirus supplement of $275 a week. Just over half thought negative gearing should be restricted or abolished, while 57 per cent said there should be a cap on tax reductions for high income earners. Modelling conducted by the Australia Institute found men on high incomes would be the main beneficiaries if already-legislated tax cuts are brought forward as flagged by the federal government. The study found if the tax cuts scheduled from 2022/23 are introduced earlier, for every dollar of tax cut that women would get, men would get $2.28.

If at the same time tax cuts planned from 2024/25 are also brought forward, men would get $2.19 for every dollar a woman would get. Previous modelling by the institute showed higher earners would benefit more from these tax cuts, and are more likely to save the benefit than spend it. “Giving tax cuts to the wealthy will have a very limited stimulatory effect on the broader economy, but it will significantly widen the economic divide that already exists between men and women in this country,” the institute’s senior economist Matt Grudnoff said. There are several changes due in the 2022/23 tax cuts, including an increase in the threshold of the 32.5 cent bracket from $37,000 to $45,000 and the threshold of the 37 cent bracket from $90,000 to $120,000. In 2024/25, the tax cuts reduce the 32.5 cent rate to 30 cents. The Per Capita survey found just 13 per cent of voters think the distribution of the final stage of these cuts is about right.

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OCTOBER 2020 | FIND GEELONG

You can collect your holds contact-free from all our libraries. When your holds become available please • Log in to your account to select a collection time, or • Phone your Library • Or 1300 737 277. Library staff are available Monday-Friday 9-am-5pm and Saturday morning 10am-12noon. Postal delivery is still available by request. More Info

New Books

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As Victoria begins a phased approach to recovery, we are happy to share the first steps of Your Library’s roadmap to reopening: • Return Chutes will be open 24/7. • Click + Collect services are available • From Monday 5 October: Online Storytime will resume on weekdays at 11am • Zoom in for author Mark Brandi and Self Care with Annette Subhani More Info

Lynda Course Creativity: Generate Ideas in Greater Quality and Quantity. This Course challenges preconceived notions about creativity and provides valuable tools that will unlock this skill to help you generate better ideas faster. Let Stefan Mumaw help you identify and break down creativities obstacles, and lead you through a few short, fun exercises that build your creative muscles, while illuminating key points about your behaviour, experience, and perspective that might not have realised before. Learn now

OPEN FOR BUSINESS: Cafes & Restaurants

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We would like to extend our help to all Cafeâ&#x20AC;&#x2122;s and Restaurants in Geelong area who are still operating during this Pandemic to let us know and we will place them in our online community newspaper.

OCTOBER 2020 | FIND GEELONG

2020 TA • 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

• 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 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.

Announcement (28-Jul-2019) Consultation (24-May-2018) Introduced (24-July-2019) Passed (19-Sep-2019) Royal Assent (2-Oct-2019) Date of Effect (30-June-2019)

AX UPDATES • Instant Assets Stimulus Package for 2020 Purchase 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.

Announcement (11-Mar-2020) Updated: 12-Jun-2020

• Testamentary Trust Minor’s Distribution to be Limited 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.

Announcement (18-Jun-2018) Consultation (30-Oct-2019) Introduced (05-Dec-2019) Passed (17-Jun-2020) Royal Assent (22-Jun-2020) Date of Effect (1-Jul-2019)

• Director Identification Number The Director Identification Number (DIN) regime has been passed by parliament and become law. Under the new law, all director of companies registered under the Corporations Act will need to have a unique identifier. The DIN will be a measure that will limit the opportunities for a company and its directors to engage in phoenixing activities. One such new measure will require all directors to confirm their identity before receiving a DIN, as well as civil and criminal penalties for system misuse. A registrar is yet to be appointed (or created) to develop the regime. However, under the legislation it must be in effect within two years of Royal Assent, being 22 June 2022. If the registry is created prior to this time, we will receive notifications to the new start date.

Announcement (03-Dec-2019) Consultation (03-Dec-2019) Introduced (04-Dec-2019) Passed (12-Jun-2020) Royal Assent (22-Jun-2020) Date of Effect (22-Jun-2022)

• Large Forestry Holding Deemed Carrying on a Business A decision impact statement in response to the AAT ruling in SWPD and FCT was issued by the ATO. In the case, the taxpayer was held to have carried on a “forestry business” by holding onto a property with forests of native trees in it. This entitled the taxpayer to utilise the CGT small business concessions on sale of the property as it was an active asset. The ATO, through the decision impact statement, found that the Tribunal had correctly applied the legal test outlined in Spriggs v FCT. However, in their view the facts of the case are “extreme”. Along with other considerations, the Commissioner accepted that the taxpayer was indeed carrying on a forestry business.

Announcement (22-Jul-2020) Consultation Period Released

• JobKeeper Legacy Employers - Rulers and Obligations The JobKeeper Payment scheme has been extended from 28 September 2020 to 28 March 2021. As part of the extension, updated criteria exist for employers to qualify for the wage subsidy. Accompanying this extension and change in criteria, the Fair Work Act 2009 will also be amended, subject to legislation passing through the Senate. Part of the amendments deal with newly ineligible JobKeeper employers, to now be known as “legacy employers”. Legacy employers have the option to utilise modified JobKeeper enabling directions. These are changes to temporary allowances in the Fair Work Act 2009 to vary the working arrangements with staff. In particular, eligible legacy employers will have the option to negotiate stand down directions for employees that reduce their hours to 60% of regular pre-Coronavirus working hours.

Announcement (28-Aug-2020) Consultation Introduced (26-Aug-2019) Passed (1-Sep-2020) Royal Assent Date of Effect (28-Sep-2022)

OCTOBER 2020 | FIND GEELONG

OCTOBER 2020 REALESTATE

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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

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

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

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OCTOBER 2020 | FIND GEELONG

BUILDERS DIRECTORY

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

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

Warren Strybosch 1300 88 38 30 editor@findgeelong.com.au

DISPLAY HOME DIRECTORY

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

COMING SOON

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

Block No. Lot No. Street, VIC

COMING SOON

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

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

COMING SOON

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

Block No. Lot No. Street, VIC

COMING SOON

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

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

Warren Strybosch 1300 88 38 30 editor@findgeelong.com.au OCTOBER 2020 | FIND GEELONG

OCTOBER 2020

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

COMING SOON

www.insertwebsite.com.au

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

COMING SOON

www.insertwebsite.com.au

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

COMING SOON

www.insertwebsite.com.au

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

COMING SOON

www.insertwebsite.com.au

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

COMING SOON

TATE AGENT

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 | OCTOBER 2020

findgeelong.com.au

Belmont Market set for gradual reopening this month The Belmont Market will reopen to outdoor stallholders from Sunday 11 October, as part of a gradual return to operations. In line with the Victorian Government’s ‘Third Step’ of the regional roadmap to reopening, the market is allowed to reopen with limited numbers and physical distancing in place. Reopening outdoor stalls allows stallholders and the general public to return and enjoy a safe shopping experience at the popular weekly market in Belmont. It will provide small-scale traders in the region the chance to sell their wares, and for market shoppers to peruse pre-loved clothing, jewellery, accessories, fresh produce, plants, handmade crafts and other treasures. Planning for indoor stallholders to safely return at the Barwon Valley Activity Centre is underway and will focus on preparing for increased foot traffic over the warmer months with measures put in place to help maintain restrictions for the safety of the community, stallholders and staff.

An announcement on the opening date of indoor stalls is expected late October.

the site and to ensure physical distancing restrictions are followed.

The City has advised permanent stallholders of the gradual reopening and COVID-Safe measures in place.

Bookings for casual outdoor stallholders can be made online via the website. Priority will be given to permanent stallholders.‘On the day’ casual bookings will not be available.

Outdoor stall numbers will be reduced to allow stallholders to spread out across

City of Greater Geelong CEO Martin Cutter: ” The gradual reopening of the Belmont Market is great news for keen shoppers, stallholders and City employees who have all been impacted by the temporary closures. We’d like to thank the community and stallholders for their patience and understanding as we continue to work through the restrictions for indoor stallholders to ensure we can open safely for the community. The Belmont Market is a highlight of the week for our community, and is an event that brings passionate and like-minded residents together each Sunday. I look forward to seeing the wide variety of sellers and shoppers return outdoors to this much-loved community market. When visiting we encourage all market shoppers to follow current restrictions, maintain physical distancing, wear a face mask and practise good hygiene. ”

findgeelong.com.au

OCTOBER 2020 | FIND GEELONG

findgeelong.com.au

Supporting community members in the digital world

Community members will be supported to learn new skills to navigate digital platforms, making it easier to connect with each other, the City and council.

The Enhancing Digital Access for the Community initiative responds to an increased reliance on digital technology. A variety of the City’s meetings, programs and services have shifted to digital platforms in response to the COVID-19 pandemic, which some community members have difficulty using. Easy-to-understand instructions will be developed to assist people with low levels of digital literacy, as well as training workshops in partnership with libraries, neighbourhood houses and community organisations. An employee will be available to provide resources and possibly phone and/or in-person to assist with digital platforms, such as Zoom, Microsoft Teams and Skype. A ‘how-to’ reference page will be created on the City’s Geelong Australia website, featuring step-by-step guides, links to official instructional videos and an option to request a hard copy of instructions. This project reflects the City’s commitment to continuing to build an accessible and inclusive community for all. A funding allocation of $25,000 has been set aside for this initiative, as part of a broader package of COVID-19 support measures.

Quotes attributed to Mayor Stephanie Asher: “ Ensuring all members of the community, including the elderly and those from diverse cultural backgrounds, can access services and interact with the City and council is paramount. Increasing digital literacy skills will also help community members virtually connect with family and friends, which can reduce feelings of isolation and improve wellbeing. “

*From noon 22 September until 6pm 24 October the City of Greater Geelong will operate in accordance with the policies and procedures that govern the Council Election period. This means that all publications, including media release and statements will be issued for business as usual activities only and the Chief Executive Officer will be the City’s primary spokesperson.

Community News and Updates

Why coated cartons go into the rubbish bin.

Support for green thumbs to grow their own food

Piano Bar takes to the laneways

OCTOBER 2020 | FIND GEELONG

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

Geelong

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

FIND GEELONG | OCTOBER 2020

findgeelong.com.au

From the Chaplain It’s been a privilege gaining an insight into LPS family’s lives, while chatting with many of you in the last weeks. It seems to me that dealing with the COVID-19 restrictions has been as hard on young families as for anyone. Most of you have been juggling numerous responsibilities and roles and it has been extremely difficult. Congratulations! You have done very well getting this far. How can we best support our children through these difficult times? Last fortnight I wrote regarding how important it is for children to have us listen attentively to their thoughts, fears and concerns. More on that some other time. This week I would like to talk about the power of Modelling. In essence our children become what they witness in us, as parents. They copy our behaviours: our habits, our attitudes, our manner of relating to others, the way we react to situations, the means by which we deal with conflict and so the list goes on. My wife and I have four adult sons and I have to admit they are all largely ‘chips off the old block’. As a chaplain and counsellor I’ve conducted a number of Parenting and Relationship seminars and courses over the years – the following are my top five parenting modelling tips:

1. 2. 3. 4. 5.

Spend quality and quantity time playing and talking with children Show love and respect for the other parent Be open and honest about your own failings – be prepared to say sorry Resolve conflict in the family calmly and respectfully Display kindness and respect to people generally

Our children will imitate these behaviours as they observe us displaying them – what a responsibility! These pictures say it all.

Just Like Dad Thanks everyone, Bless you all, Rob Hunter Email: hunter.robert.d@edumail.vic.gov.au

findgeelong.com.au

OCTOBER 2020 | FIND GEELONG

Our Heritage Our Collection The National Wool Museum has launched Our Heritage, Our Collection a digital exhibition that celebrates the City of Greater Geelong’s Heritage in 50 objects. The virtual Our Heritage, Our Collection exhibition features 50 items selected from the themes: War, Wool and Work. The objects have been handpicked from the City’s expansive heritage collection and honours ANZAC Day commemorations this year. Of the 50 featured items, 11 have wartime connections including military pins, personal stories, audio recordings, memorials and monuments. The exhibition adds to our existing suite of online collections and follows Council’s adoption of the Our Heritage, Our Collection report on 14 April 2020. The report, which was funded by the Australian Government’s Building Better Regions Fund, brings together the City’s heritage collection of 12,000 moveable artworks, objects and artefacts valued at close to $28 million in total. The National Wool Museum Collection features prominently in the new exhibition. Our Heritage, Our Collection was a major project delivered by the National WoolMuseum and the Arts & Culture Department of the City of Greater Geelong. The online collection will continue to host exhibitions and community-curated themes online, with a vision to accompany further displays in the future.

When Daily from 24 April 2020 to 25 April When Digital Exhibition - National Wool Museum Cost This is a free event

Contact Luke Keogh Email: lkeogh@geelongcity.vic.gov.au Phone: 5272 5272 Website: www.geelongaustralia.com.au/nwm/default.aspx

OCTOBER 2020 | FIND GEELONG

CACHE

1 2 3 4

BEGIN YOUR FIRST ADVENTURE IN FIND GEELONG

SEEK

AND YOU WILL

CACHE

WATCH AND READ THE CLUES

Find a cache

share you exprience

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

Once you found the Cache please notify us.

The winner will be published in the next Find Maroondah.

CACHE

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

WHAT’S IN THE FIRST FIND CACHE

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

OCTOBER 2020 | FIND GEELONG

PAGES

PROFESSIONAL SERVICES INSURANCE

Special Tax Return Offer

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

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

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

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

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

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

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

Liability limited by a scheme approved under Professional Standards Legislation

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

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

Find Accountant Find Insurance Business Coach Mortgage Broker Financial Planning Painting and Decorating Rental Estate Rentals Solution Based Coaching Bookkeeping Travel

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

The Resaliantce Method

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

TEAM GAP ANALYISIS

REAL TIME FEEDBACK

IMMEDIATE IMPACT ON BOTTOM LINE

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

PAGES

PROFESSIONAL SERVICES

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

OUR SERVICES

• Refinancing • Home Loan • Buying your First Home

LEE WISNIEWSKI Mortgage Broker Fidget Loan Specialist

0401 272 505

lee@fidget.com.au

www.fidget.com.au

• Investing in Property

PO Box 633, Geelong VIC 3000

• Car Loans

Level 20,31 Queen Street, Melbourne VIC 3000

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

OUR OFFICE Australia Post Small Business Hive

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

108 Gheringhap Street Geelong VIC 3220

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

admin@masteryourmoneynow.com.au

In short, we make money easy to understand again.

m.me/MasterYourMoneyNow.Com.Au

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

CHRIS CARLIN BOOK IN YOUR FREE STRATEGY SESSION NOW!

Financial Planning Master Your Money Now

DEVELOPING EXCELLENCE IN BUSINESS SERVICES MENTORING

WORKSHOPS

COACHING

ONLINE TRAINING

MASTER CLASS

VIDEO PRESENTATIONS

IN-HOUSE TRAINING

DEB FRIBBINS Business Coach | Mentor

CONTACT 0400 524 451 deb@debconsulting.com.au

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

OCTOBER 2020 | FIND GEELONG

PAGES

PROFESSIONAL SERVICES

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

OUR SERVICES

PROPERTY MANAGEMENT

0418 582 309

PROPERTY LEASING

warren@geelongpm.com.au

ADVICE

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

PROPERTY SALES REAL ESTATE TRAINING

SAT: by appointment SUN: Closed

PHOTOGRAPHY & MARKETING

www.geelongpm.com.au

Watch Geelong Property Managers

WARREN RAPSON Marketing & Operations Manager Geelong Property Managers

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

OUR SERVICES

OTHER SERVICES

PAINTING SERVICES

PROJECT MANAGEMENT

INTERIOR PAINTING

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

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

PAGES

PROFESSIONAL SERVICES

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

www.facebook.com/deluxetravelandcruisegeelong

PO Box 166, Sunbury VIC 3429

www.deluxetravelandcruise.com.au

ainsley@deluxetravelandcruise.com.au

ADVERTISE HERE

OCTOBER 2020 | FIND GEELONG

PAGES

LOCAL TRADIES

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

Email your ad to editor@findgeelong.com.au

INDEX

DAHLLOF PAINTING SERVICES

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

Concept to Creation - Perfect From Start to Finish CONTACT US

OUR SERVICES

We are lacated in Geelong, Victoria!

PAINTING SERVICES

Stephen Dahllof Painting Services

INTERIOR PAINTING

Servicing Geelong and Surrounding Areas

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

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

Trustworthy 24/7 Garage Door Installation

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

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

• Mon to Fri: 9:00 am - 5:00 pm

sales@cruzingaragedoors.com.au

• Sat to Sun: CLOSED

www.cruzingaragedoors.com.au

PAGES

HOME & GARDEN

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

Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Specialist Tree Services Interior Design Mowing Building Inspection Nursey Flooring

ADVERTISE HERE

OCTOBER 2020 | FIND GEELONG

PAGES

HEALTH & BEAUTY

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

Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Hair Dresser Osteopath Chiropractor Beauty Therapy Gym Massage Therapy

ADVERTISE HERE

PAGES

ADVERTISE HERE

OCTOBER 2020 | FIND GEELONG

SPORTS

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

findgeeelong.com.au

SPORTS

TITLE HERE

OCTOBER 2020 | FIND GEELONG

GEELONG

Support your Local Not-For-Profit

Find Coffee

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FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

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Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

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

LOCAL COUPONS

01 January - 31 December 2020

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

FIND CARD LOCAL OFFERS

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LOCAL COUPONS OFFERS

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

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BREKKY, BRUNCH & LUNCH DISCOVER A NEW LEVEL OF TASTE

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

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& Lunch

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M A M A

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COFFEE

TODAYâ&#x20AC;&#x2122;S GOOD MOOD IS SPONSORED BY COFFEE FIND ADVERTISING COUPONS advertise@findgeelong.com.au

1300 88 38 30

S S

M A M A

E L P E L P

Takeaway

Food brings people together on many different levels. It’s the nourishment of the soul and body: It’s truly love. FIND ADVERTISING COUPONS advertise@findgeelong.com.au

1300 88 38 30

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NEW OFFERS COMING

FIND ADVERTISING COUPONS advertise@findgeelong.com.au

1300 88 38 30

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

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

Find Cards Policy

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

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

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PRESENT VALID FIND CARDS

VALID

GEELONG

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

NOT VALID

GEELONG

Find Cards that DO NOT display the Find 2020 Sticker in the circle and DO NOT have the “Find Ok” stamp on the top of the sticker are INVALID. They will not be accepted at any participating businesses. Also, your signature must be present. You may be asked to present ID to verify that Find Card belongs to you.

Present the Find Card and ID prior to paying bill. Card is Non-Transferable. Each offer corresponds to a number on the card. Number will be crossed off once offer used. This is not a credit or charge card. Copyright 2020 Find© Pty Ltd.

Find Geelong - October Edition

Articles inside

GEELONG COUNCIL ELECTIONS