Find Geelong - September Edition

Geelong The

SEPTEMBER 2020

WHAT’S INSIDE: 03

LOCAL STORIES

08

GEELONG COUNCIL ELECTIONS

15

COLUMNIST ARTICLES

30

TAX UPDATES

40

GEELONG COUNCIL NEWS

46

FIND CACHE

58

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SUPPORT LOCAL, BUY LOCAL, DISCOVER GEELONG

THE ROAD TO NOWHERE OR OUT OF COVID Next Edition your Councillors

We will be inviting all candidates running in the council elections to provide a bio of themselves and to answer some key questions regarding their nomination.

SEE PAGE 03 FOR THE FULL ARTICLE

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WARREN STRYBOSCH

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LEE WISNIEWSKI

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REAL ESTATE RENTALS

PAINTING & DECORATING

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Geelong The

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

OUR NEWSPAPER The Find Geelong was establish in 2019 for the purpose of bringing together everyone in the community in one place.

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

ALL THINGS GEELONG The City of Geelong is one of Victoria’s largest regional capital cities. Geelong had a population of approximately 230,000 as at the 2019 Report which includes 16,000 businesses.

Geelong’s location is in strong growth corridor, making it an ideal location for businesses to explore options outside of the capital city.

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

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

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THE ROAD TO KNOWHERE OR OUT OF COVID

By Warren Strybosch

With news that the promising COVID vaccine is now on hold due to suspected severe adverse reactions in patients, and Premier Dan Andrews stating that things will only get back to normal when there are zero cases of COVID, you have to wonder if there is a real pathway out of COVID for Victorians.

Australian is the only country that is not allowing outbound international flights, has less deaths recorded this year compared to last year and yet we Victorians are the only place in the world were lockdown has gone beyond 120 days with the lowest death tolls recorded.

Keeping in mind, we did not go into lockdown as quickly as other countries did.

Even the most optimistic of people are starting to feel the pressure of the extended lockdown. It is really starting to take a toll on people’s mental health and well-being.

A Victorian business owner wrote on Facebook:

“I gotta say, after yesterday’s announcement [Sept 6th], the dust has settled, I am a bit calmer, but I feel like it’s been a great kick in the nuts. I was a broken man, however now I really know what broken is. Today, I am numb. I have a couple of options with my business, shut the doors and go on federal govt handouts, or keep going, creeping slowly backwards, and when restrictions are lifted, move my business interstate.

I can’t operate feeling the way I do about the complete lack of support and understanding the Businesses in this state receive. There is little or no consultation with Business Industry over anything.

There is no help from VicRoads with vehicle registrations, no help from the Power Companies, No Help from Telstra, No relief from my vendors, I really feel like they all want me to fail. I guess I am just venting, and need to get it off my chest.”

- Peter

going to be made redundant in the next few weeks so we are putting everything on hold for just a short time until we get our head around everything…” - Matt

A person text on the 8th as follows:

How have you been coping with Lockdown? If you could say something to Premier Andrew what would it be?

Write your letter to the editor to have your say at editor@findgeelong.com.au.

“Hi, I am just messaging you to let you know that myself and everyone else I work with have just been told we are

“I have been coping pretty well with everything, but after this announcement even I am feeling this heaviness in my chest. I am starting to feel resentment towards the Premier for making this so hard for everyone. Why not have rules for the elderly to keep them safe and allow everyone else to get back to work?” – Anonymous The question people in Victoria are now asking is, “Will we ever get back to normal?”. Given the Trigger Points the Victorian Labor has announced to ease restrictions, it seems Victorians will be in lockdown for a very long time whilst the rest of the World enjoys being back to normal.

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Victoria’s Roadmap to Reopening On Sunday, 6 September 2020, the Victorian Government released the roadmap to reopening. From 11:59pm 13 September, some restrictions will be eased across Victoria.

Regional Victoria and Melbourne Metro each have their own roadmaps, relating to how many active cases are currently in the community.

For more information go to: •

the coronavirus (COVID-19) roadmap to reopening

•

the model that informed the roadmap, Emerging from lockdown.

For restrictions currently in place, go to the Victorian Department of Health and Human Services website.

COVID Safe Principles • • • • • •

Wear a mask or face covering Don’t go to work if you feel sick or unwell Physical distancing (1.5 metres) Cough and sneeze into tissue or elbow Good hand hygiene Outdoor activities

•

•

• • • • •

caregiving, to purchase essentials, exercise Public gatherings: up to 5 people from a maximum of 2 households can meet outdoors for social interaction (infants under 12 months of age are not included in the cap) Visitors to the home: “Single person bubble” 1 nominated visitor if living alone/single parent (all children under 18) Childcare is open to all children Schools return to onsite learning from Term 4 with safety measures Outdoor exercise and recreation allowed Restaurants and cafes open for takeaway and delivery only Retail: open, with density and other restrictions, hairdressing open

COVID Normal

First Step Only applies Melbourne.

metropolitan

• • •

•

•

CURRENT FROM 11:59pm 13 SEPTEMBER FOR: Regional Victoria

Daily average number of cases in the last 14 days in Regional Victoria is less than 5 AND 0 cases in Regional Victoria with an unknown source in the last 14 days This is a trigger point for public health review

•

No restrictions on leaving home Spend time with others outside where possible Public gatherings: up to 10 people outdoors Visitors allowed at home from 1 other household (up to 5 people) Schools return to onsite learning from Term 4 with safety measures Hospitality open for predominantly outdoor seated service only All retail open, except personal care (hairdressers open)

Last Step

Key points •

• •

•

Second Step

Only leave home for 4 reasons: school or work (if these can not be done from home), care or

Key points • • • • •

No restrictions on leaving home Public gatherings: Up to 50 people outdoorsUp to 20 visitors at home Schools open for onsite learning with safety measures Hospitality open for seated service onlyAll retail open Galleries, museums and other entertainment venues open with some restrictions

COVID Normal

CURRENT WHEN:

• to

Statewide (23 November subject to trigger points and public health advice)

Third Step

Key Points

Summary of Steps towards

The time period must pass AND the number of cases must be low enough to move to the next step. This is a trigger point for public health review.

CURRENT AFTER 23 NOVEMBER AND WHEN: There are no new cases for 14 days across Victoria.

CURRENT WHEN: There are no new cases for 28 days and no active cases (state-wide) and no outbreaks of concern in other States and Territories.

Statewide (subject to trigger points and public health advice) Key points • • • • • • •

No restrictions on leaving home No restrictions on public gatherings but organisers encouraged to keep records of attendees No restrictions on visitors at home Schools open for onsite learning with safety measures Hospitality and retail all open No limits on weddings or funerals but organisers encouraged to keep records of attendees Galleries, museums and other entertainment venues open with safety measures and record-keeping

[Source: https: health.gov.au]

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SEPTEMBER 2020 | FIND GEELONG

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COVID-19: Changing the way you interact with clients

Think about all the different ways businesses are communicating with you at the moment, during COVID-19.

It’s possible you’re receiving more communication than ever before.

Despite some businesses being physically closed, there are still many opportunities to communicate with customers. In fact, being able to connect over a common experience provides an opportunity to deepen engagement.

Unfortunately there may be more oneon-one conversations about market volatility and financial hardship at the moment but with a sensitive and empathic approach, this can also help to create a more trusting relationship.

Communicate confidently with clients In times like these, nothing beats one-onone conversations with your clients. But how have you been communicating with

your clients more broadly? Maybe you feel overwhelmed with where to begin.

Better still, they can simplify your life as an adviser.

A tactical communication and engagement strategy should be part of a wider marketing plan but in current times, may need to be adapted. By using the right tools however, you can streamline your processes, better engage your clients and make your business more profitable.

There are some great examples out there from across all different industries.

Think about the eDMs that have popped into your in-box recently and got your attention. Or the eDMs that you receive regularly. Why do they stand out? What value do they provide? How do they make you feel?

Knowing a client’s primary communication preference (e.g. phone, email) is a prerequisite, but when it comes to building engagement you can up the ante by using different channels such as electronic direct mail (eDM), videos, podcasts, websites and webinars.

Let’s start with eDMs.

Try this: Mailchimp

These days, eDMs are a very popular and convenient choice to engage people and share content. They can be a great way to bridge the communication gap and stay in regular contact with clients.

If you’ve never used an email management system to send an eDM to clients, it’s never too late to try.

Mailchimp is a very simple eDM tool (there are others) that includes a host of features like customisable templates, personalised messages, and automated scheduling. Best of all, the basic version is available free of charge and lets you communicate to up to 2,000 subscribers.

Here’s our Mailchimp cheat sheet to get you started.

Office work not dead despite COVID: Report (Australian Associated Press)

Office work is not dead despite a mass shift to working from home during the coronavirus pandemic, toll giant Transurban says.

But more people are expected to stick to driving and avoid public transport because of health concerns even after COVID-19, according to a Transurban report. The company surveyed 4500 across Australia and North America over six days in July, finding 25 per cent did not expect to return to their previous public transport usage.

“With driving rebounding in many cities, it could eventually return stronger than

ever, depending on how long commuters remain wary of public transport,” Transurban said on Wednesday. “Such an increase in demand could stretch urban road infrastructure beyond prepandemic levels.”

Transurban also says the mass shift to working from home is not expected to last, with 86 per cent of people surveyed expecting to return to the office after COVID-19.

But just 42 per cent thought life would return to normal within 12 months.

Transurban released the data as it reported a net profit loss of more than $100 million for the 2019/2020 financial year.

Its Melbourne toll roads were the worst hit, with average daily traffic falling by almost nine per cent and revenue by 8.1 per cent.

“Transurban, like most businesses, has seen significant impact to our revenue as a result of COVID-19 and the associated government actions,” chief executive Scott Charlton said.

“Pleasingly we have seen clear signs of improvement in most of our markets as government restrictions have been eased. However, as evidenced by recent declines in traffic in Melbourne, we expect traffic to remain sensitive to government responses.”

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Geelong Council Elections

By Warren Strybosch

The Greater Geelong area is divided into four electoral wards represented by eleven councillors who serve a four-year term.

The Victorian Electoral Commission (VEC) conducts Council Elections and manages all aspects of the election process. Voting is compulsory for most people on the electoral roll.

Council Elections - 24 October 2020 Like all Victorian Councils, Geelong holds elections every 4 years, on the 4th Saturday in October. The last election was in 2016. The next election is 24 October 2020.

Anyone on the Geelong City Council Voters’ Roll can stand as a candidate at Council elections (some minor restrictions apply).

INFORMATION FOR CANDIDATES

INFORMATION FOR VOTERS

Ward Section for Geelong The structure that will apply at the council election on 24 October 2020 is: • 11 councillors – 4 x single-councillor wards The Greater Geelong are is divided into four electoral wards.

View a map of the new wards on page 10

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

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SEPTEMBER 2020 | FIND GEELONG

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BROWNBILL WARD

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WINDERMERE WARD

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BIO of Council Candidates - Next Edition

We will be inviting all candidates running in the council elections to provide a bio of themselves and to answer some key questions regarding their nomination.

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Council Elections - Compulsory Voting If you are enrolled to vote for the Victorian State Election and are a Geelong resident, then you are automatically enrolled to vote at Council Elections and it is compulsory to vote. This means you are a state-enrolled voter If you are a council-enrolled voter, voting is not compulsory. See more about this on the VEC website: Enrolling for Council elections.

It is no longer optional for people over 70 to vote, following law changes that came into effect in March 2020. If you do not vote, you may get a fine.

If you care for a person who is incapable of understanding the nature and significance of voting, see the VEC website for Removing someone from the roll.

For more information on voting in council elections visit the VEC website: How to vote.

Help for voters who need it The Victorian Electoral Commission has a range of information • in languages other than English • in Easy English • for people who are blind or have low vision - call (03) 8620 1222 before Wednesday 16 September 2020 • voter education sessions for community groups anywhere in Victoria • The VEC You Tube channel has animations about voting.

Failure to Vote If you are on the Voters’ Roll for Geelong in local Council Elections being held on 24 October 2020 and you don’t vote, you will receive an Apparent failure to vote notice in January 2021 from the Victorian Electoral Commission, under the provisions of the Local Government Act 2020. (Note: this excludes those who are council-enrolled voters as above.)

The notice will invite persons who were required to vote at the Council elections and who appear not to have voted to provide an explanation for why they failed to vote. You could also contest that you did, in fact, vote at the elections if you believe that you were incorrectly recorded as not having voted.

Infrigement Notices Infringement notices will be issued in March 2021 by the Victorian Electoral Commission to persons who were issued with an ‘Apparent failure to vote notice’ in January 2021 and who either failed to respond within the 28-day timeframe or failed to provide a satisfactory response. Infringement notices will carry a penalty. If that penalty is not paid, then a penalty reminder notice will be issued with an additional cost.

Contact the Victorian Electoral Commission (VEC) Phone: 131 832 Email: info@vec.vic.gov.au VEC online

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SEPTEMBER 2020 | FIND GEELONG

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Super Row Erupts as Contributions Plunge

By Daniel McCulloch and Paul Osborne (Australian Associated Press)

Labor has seized on startling new figures as evidence an increase in the superannuation guarantee is more important than ever.

Quarterly contributions to retirement savings have plunged below zero for the first time since super was introduced three decades ago.

“The Morrison government’s lack of a plan for jobs and the recovery has already forced millions of anxious Australians to raid $33 billion of their hard-earned retirement savings,” shadow treasurer Jim Chalmers said.

“Now more than ever Australians need help to rebuild their superannuation balances.”

Superannuation benefit payouts soared 77.7 per cent in the June quarter, driven by the early release scheme that started on April 20.

Prime Minister Scott Morrison has flagged a legislated rise in the super guarantee rate could be shelved if the economy continues to struggle through the coronavirus pandemic.

He also launched a blistering attack against industry super funds while defending his decision to let people dip into their retirement savings. More than 600,000 people have taken money out of their super accounts early during the coronavirus pandemic. The prime minister claimed Labor was acting like “puppets on a string” for union fund managers by questioning the controversial scheme.

Mr Morrison argued people should spend the money as they see fit. “Those opposite (Labor) want to keep the hardearned savings of Australians away from them when they need it most and have it tucked up into the … union fund managers as they count their directors’ fees,” he said.

The Morrison government is separately pursuing legislation making it easier for employees to pick their super funds.

Some workers covered by enterprise bargaining agreements previously had their super fund chosen by employers.

Concerned the system was leading to duplicate accounts and higher fees, the government rewrote the rules through

legislation which cleared the Senate on Tuesday. The bill will receive a final tick of approval in the House of Representatives before it becomes law.

ACTU assistant secretary Scott Connolly said the laws were a coalition government gift to under-performing, for-profit, bank-owned superannuation funds at the expense of workers “Workers bargain for a single fund in the workplace where they know it is in their best interest,” he said.

“This ensures superannuation is paid in full and on time, that workers have the best insurance available to them and their line of work, as well as access to defined benefit schemes.”

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The number one killer in Australia. Take steps to protect your heart.

What is Heart Disease?

There are many different heart conditions.

Ischaemic heart disease, or heart disease, is the most common form of cardiovascular disease and refers to conditions that involve a reduction of blood supply to the heart. This can lead to a heart attack, angina (chest pain) or stroke.

Heart disease is a broad, umbrella term that includes a range of heart-related conditions – blood vessel diseases, coronary artery disease, heart rhythm problems and congenital heart defects.

In the last decade, the number of deaths from heart disease has fallen by more than a third from 99.1 deaths per 100,000 in 2007 to 62.4 deaths in 2016.3 Despite this, heart attack claims around 22 lives per day.

Warning Signs Warning signs of a heart attack can include one or more of the following symptoms and may vary in intensity: pain or tightness in the chest, difficulty breathing, breaking out in a cold sweat, dizziness, nausea, an aching

jaw, discomfort in your neck, aching shoulder/shoulder blades/back and numb or tingling arms. In the event of warning signs, the Heart Foundation recommends calling 000 immediately.

Fixed Risks

A Heart Foundation study revealed that almost three-quarters (73%) of Australians, aged 30 to 65 years, have been told by their doctor they have at least one risk factor for heart disease.4 There is no single cause of heart disease but multiple contributing factors. Some risks are fixed and can’t be changed but the good news is that many can.

Variable Risks

The risk of heart disease increases with age. Men are at a higher risk – it is the leading cause of death for males.

Women are also highly susceptible to heart disease. A women’s risk grows after menopause and it is the second leading cause of death for females. Ethnicity and genetics can also play a role.

“ There is no single cause of heart disease but multiple contributing factors. ”

Protect yourself: Minimise risk The first step to protect yourself against heart disease is to understand your risk factors.

1. Many risk factors come down to lifestyle choice so a change in behaviour is likely to reduce your level of risk.

2. Maintain a healthy weight. If all Australians were in a normal weight range, the burden of heart disease would be reduced by 25%.

3. A heart health check, conducted by a doctor or health practitioner, is recommended for people over 45 years old. For Aboriginal and Torres Strait Islander people, the recommended age is 35. It involves a blood test, blood pressure check and a discussion about your lifestyle and family history.

4. Knowing your risk, consider whether you have adequate insurance (e.g. life, trauma, total & permanent disability, income protection) to protect what you value most in life.

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SEPTEMBER 2020 | FIND GEELONG

Dementia

What is it?

Warning Signs

Dementia is the fastest growing cause of death in Australia. It has become the leading cause of death overall for females and second leading for males.

It is responsible for 11.3% of all female deaths and 5.8% of all male deaths each year, most occurring in people aged over 85. Australia’s dementia rates are higher than other comparable countries2.

Given the complexity of dementia, diagnosing it can be a challenge. There are also a number of other conditions that have similar symptoms including vitamin/ hormone deficiencies, depression, infections and brain tumours.

There are some early warning signs to watch out for, however these can be very vague or subtle. The list includes progressive and frequent memory loss, confusion, personality change, apathy and withdrawal, and reduced ability to perform everyday tasks.

Dementia is not one specific disease.

The word ‘dementia’ is an umbrella term used to describe the symptoms of a broad group of neurological conditions that cause a progressive decline in a person’s brain function. The knock on effects include difficulty in performing everyday tasks.

There are different types of dementia, each with their own causes, including Alzheimer’s disease, vascular dementia, frontotemporal dementia, Parkinson’s disease, alcohol related dementia and Lewy body disease. All up, more than 100 conditions are said to cause dementia.

Alzheimer’s disease is the most common, affecting up to 70% of all people with dementia. It damages the brain resulting in impaired memory, thinking and behaviour.

Risk Factors As with many other health-related conditions, many risk factors for dementia are within our control but others are not.

Fixed risks: The risk of dementia increases with age and currently affects more women than men. It is more common in people over 65 years old however it can occur much earlier. Around 26,000 cases have been diagnosed for people in younger age groups. Some types of dementia can be inherited, but most cases are not. A number of genes in relation to developing Alzheimer’s disease have been identified but more research is needed.

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Variable risks: A number of health-related conditions have been linked to some types of dementia. For example heart disease, hypertension, high cholesterol, diabetes, obesity and high homocysteine levels are associated with an increased risk of Alzheimer’s disease. Smoking has also been identified as a risk factor.

Protect yourself: Minimise Risk •

The first step to protect yourself against dementia is to understand your risk factors. Some risk factors can be addressed through lifestyle changes and proactive management.

• Your brain matters. The importance of a healthy body is well-known but the importance of a healthy brain less so. Dementia Australia recommends five steps that can help keep dementia at bay: look after your heart, engage in regular physical activity, challenge/stimulate your brain, eat healthily and socialise.

• Knowing your risk, consider whether you have adequate insurance (e.g., life, trauma, total and permanent disability, income protection) to protect what you value most in life.

Questions? The National Dementia Helpline is 1800 100 500.

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Australian Growth Compares Well with the World

By Colin Brinsden, AAP Economics and Business Correspondent (Australian Associated Press)

Treasurer Josh Frydenberg expects Australia’s economic contraction in Wednesday’s national accounts won’t be as bad as other countries.

Forecasts centre on an economic downturn of around six per cent during the June quarter as a result of restrictions to tackle the coronavirus pandemic, although economists concede there is a degree of uncertainty about the result.

But it would compare with the enormous 20 per cent slump in UK gross domestic product and double-digit percentage falls in France, Canada, Germany and the US. “COVID-19 has wreaked enormous havoc across the global economy,” Mr Frydenberg told parliament on Tuesday.

“The expectation is that the fall here will not be as large as we’ve seen in other countries around the world, indicating the remarkable resilience of the Australian economy.”

Even so, if economists are right it will mark the biggest decline since the Australian Bureau of Statistics started plotting the national accounts in the late 1950s.

Reserve Bank governor Philip Lowe went even further back in history, saying the economy is experiencing the biggest contraction since the 1930s.

“As difficult as this is, the downturn is not as severe as earlier expected and a recovery is now under way in most of Australia,” Dr Lowe said in a statement following the central bank’s monthly board meeting. The sharp fall in the June quarter follows a more modest 0.3 per cent decline in the March quarter but will constitute a technical recession – two consecutive quarters of contraction.

As expected, the Reserve Bank board left the cash rate at a record low 0.25 per cent and will continue to target market interest rates at the same rate through the buying of bonds.

However, the Reserve Bank has extended its term funding facility to allow banks to have access to additional funding at a fixed rate of 25 basis points for three years, which will be available until the end of June 2021 and beyond the original September cut off date.

New ABS figures show Australia’s export performance has been a bright spot for an economy in recession, while government spending was also strong.

Net exports – exports minus imports – are expected to add one percentage point to economic growth in the June quarter.

It came as the nation’s current account trade surplus ballooned to $17.7 billion in the June quarter compared with $9 billion in the previous three months. The expected confirmation of a recession was blamed for a decline in consumer confidence in the past week.

The weekly ANZ-Roy Morgan consumer confidence index – a pointer to future household spending – fell 2.7 per cent, ending two weeks of gains.

But ANZ head of Australian economics David Plank was encouraged to see confidence in Victoria bucking the trend as the number of new COVID-19 cases in Melbourne continued to drop.

While Victorians may be in a better mood, separate data shows the state’s house prices remain in decline and its manufacturers are proving a drag on the sector’s national recovery.

The national CoreLogic home value index fell 0.4 per cent in August, with Melbourne prices falling 1.2 per cent.

The Australian Industry Group performance of manufacturing index also fell by 4.2 per cent to 49.3 points in August, just below the 50-point mark that separates a contraction in activity from an expansion. Victoria’s index fell 9.3 points to 44 but NSW and South Australian remained in expansion territory and Queensland improved.

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Self-Managed Super Funds: Members to increase to 6 ACCOUNTANT

By Warren Strybosch

A measure from the 2018–19 budget to increase the number of members allowed in an SMSF from four to six has been reintroduced into Parliament on the 2nd of September, after it was scrapped prior to the election.

Senator Jane Hume has introduced Treasury Laws Amendment (Self Managed Superannuation Funds) Bill 2020 into the Senate this week, which amends the SIS Act, 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.

Labor has opposed the bill already and other SMSF specialists have concerns that this measure may lead to elderly abuse.

The amendments will apply from the start of the first quarter that commences after the Act receives Royal Assent.

The SMSF sector has been growing over the past decade and continues to do so. However, with higher fees, further regulatory requirements placed on auditors, and accountants losing their exemption to provide advice in this area, it will be interesting to see if this sector will continue to grow as it has in the past.

Former Minister for Revenue and Financial Services Kelly O’Dwyer said the change would increase choice and flexibility for members.

Next month, we will be providing a special edition regarding SMSF. We will invite an accountant, financial planner, and mortgage broker to provide further

insight into SMSF and help you decide whether or not a SMSF is right for you.

We will look at the costs associated with setting up and maintaining a SMSF, how to obtain finance for a SMSF, insurances a SMSF can hold, and the obligations required of trustees to maintain one.

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

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

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The Seven Levels Of Investors FINANCIAL PLANNING

they know nothing about money and will never understand it. They did not bother to do anything about their money and allow it to sit somewhere doing nothing.

They spend their entire lives working and satisfied with their retirement plan.

By Chris Carlin

I have been just reading “The Cashflow Quadrant: The Rich Dad’s Guide to Financial Freedom” by Robert Kiyosaki, author of the well known, must read, financial classic, “Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!“. In this book he has identified seven levels of investors which I want to share with you.

This list is fantastic for a couple of reasons:

holidays, but the reality is their net wealth (assets less liabilities) is very low.

1. It helps you understand where you are now and what your next step is 2. It helps you understand the process of building wealth and the mindset required to progress through each level The fact is you cannot skip a step – you cannot go from level 1 to 5 without going through levels 2, 3 and 4.

These people may have some assets, but their level of debt is simply way too high and they are likely to heavily reliant on their active income (as it is their only source of income) to make ends meet.

The seven levels of investors according to Robert Kiyosaki are as follows: Level 0: Those with Nothing to Invest Level 1: Borrowers Level 2: Savers Level 3: Smart” Investors Level 4: Long-term Investors Level 5: Sophisticated Investors Level 6: Capitalists Level 0: Those with Nothing to Invest These people have no money to invest.

They either spend everything or more than their regular income. Rough estimates would suggest that 50% of the adult population would fall under this level. It is important to note that not all people fall who under this category are low income earners – there are many “rich” people who would also fall under this category too.

Level 1: Borrowers Borrowers are those who borrow to invest (which can be a good thing) but are also borrowing to fund their lifestyle (which is never good). They often have multiple credit cards and are buying things like nice cars (with car loans), brand new TVs (on afterpay) and having overseas holidays (funded through a credit card).

These people can look “rich” and/or like “an influencer” because they own expensive things and/or go on expensive

Level 2: Savers Savers are the opposite of borrowers.

These people save small amounts of money in low-risk, low-return vehicles such as cash or term deposits. They prefer to save money rather than investing it.

They don’t like being in debt and not willing to take any financial risks. Savers spend their time trying to save pennies instead of learning how to invest.

Sadly, savers over the long run are not going to finish up with much more than borrowers. With cash and term deposit rates being so low (I prefer to use the word insulting), they will continue to work hard for their money, rather than have their money work hard for them. One of Robert Kiyosaki’s message is that “savers are losers” and over the long run, that is true.

This can be a lot better than it sounds – there are many members of Master Your Money Now who know they should be doing something but just don’t know (or can’t be bothered) knowing what, hence they engage our services. However, there are others who can’t even be bothered engaging with a financial planner and often get a nasty suprise once they get to retirement and realise how little they have saved up.

Level 3b: “Cynic” type “Cynic” people are the experts on why investing will not work. They will say things like “You Don’t Need Superannuation“ or “The Property Market Is Going To Collapse” They are ones who tell you howand why you will be swindled in every investment opportunity you’ll get.

They know everything that could go wrong in an investment, so talking to them makes you feel discouraged, or even afraid, to invest. “Cynics” people are often afraid to make mistakes, so they spend all their time studying investments until it’s too late to execute them viably.

Level 3c: “Gamblers” type

Don’t get me wrong, saving is important, but if you want to achieve true financial wealth you have to invest.

“Gamblers” people are the opposite of “cynics”. When it comes to investing they have no plan to manage risk and say things like “You Don’t Need Insurance” and “You Don’t Need Savings In The Bank”.

To them, investing is just like playing in the casino – they think investing is just down to luck. Sadly, those who rely on luck end up losing most of the time. Being a gambler is just as dangerous, if not more dangerous, than being a cynic.

Level 3: “Smart” Investors

Level 4: Long-term Investors

“Smart” investors are educated and intelligent people. However, when it comes to investing, they’re often uneducated.

Long-term investors are those who have a long-term investment plan and are engaged in that plan to ensure it helps their financial objectives. They are generally very conservative people (i.e. no fancy cars or houses) and have wellbalanced financial habits.

There are three types of Smart Investors that Robert speaks about.

Level 3a: “I Can’t Be Bothered” type “I Can’t Be Bothered” type are people who have convinced themselves that

They have a financial plan they have developed themselves or through a financial planner. They diligently spend time when it come to learn

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According To Robert Kiyosaki about investing to ensure they make wise decisions. They understand the importance of minimising debt, live within their means and steadily increase their assets. They are not keen to invest in sophisticated investments vehicles.

There are many well off retirees in Australia and across the world who have reached this level and are very happy with this level. But these sorts of people are those who will be able to provide wealth for themselves and their families, but are unable to provide wealth for the community around them. If you want to get to the next level, you have to become more sophisticated.

Level 4 can never ever be skipped.

Anyone who tries to skip it is actually a level 3 investor – a gambler!

Level 5: Sophisticated Investors Sophisticated investors are people who have a solid financial knowledge and involve in more aggressive investment strategies. They have multiple sources of income through work, businesses, properties and other investments and they earn more than what they spend, which enables them to invest even more.

They are continuously seeking more information when it comes to investing.

They are cautious investors, but not cynical ones. They have good money habits and have a long track record of winning.

Sophisticated investors start small so they can learn the game first. They are not afraid of failing, but in a way where the downside is minimal but the upside is infitine. They are focused on continuously growing their asset base and understand

the importance of trading money for time, not the other way around.

Level 6: Capitalists Very few people are capable of reaching level 6 which is the level of investment excellence. They makes more money from other people’s money, time, and talents. They usually have large businesses and large investments. True capitalist create investments and sell them to the market. They love the game of money and are generally very generous.

They are the movers and shakers of the world economy by creating jobs and goods. Think Buffet, Gates, Musk, Branson and locally Packer and Rinehart. In every investment made, they expect the returns of 100% to infinity.

Have you identified what level of investor are you in?

And importantly, do you have a plan to play at a higher level?

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 - Linkedln - www.linkedln.com/company/ masteryourmoneynow/ Master Your Money Now - Youtube - www.youtube.com/channel/UC 7ulBKKq3i-gAPWzhNmerNQ

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

Master Your Money Now Facebook - www.facebook.com/ MasterYourMoneyNow.Com.Au/ Master Your Money Now Instagram - www.instagram.com/ masteryourmoneynow

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HOW AWESOME CULTURE EQUALS PROFIT RESILIENCE COACH

By Sally Higoe

A Business Culture of Excellence.... what does that mean?

What does culture mean to you and why is it important?

It sure is a bit of a buzz word these days and could have many a definition to each of us.

To me it’s how the place ‘feels’.

Within an amazing culture, all of your team is aligned (to the inspirational goal of the leader or owner). It’s providing the opportunity for growth, for innovation, to contribute and for each team member to feel worthy in their role.

Importantly, to create an amazing culture, this ‘people focus’ must also be supported by a structure that promotes these benchmarks of excellence in a measurable way.

For example...

When will collaborative meetings take place and how?

How will feedback be given and what will be the benchmark of excellence within that feedback?

When a business holds the collaborative, inclusive and inspirational attributes that bring those aforementioned feelings, it has standards; it has values (that the team are actually familiar with!).

All businesses have standards and attributes and values. Every business has it’s own way to get things done; to relate to each other and to complete the tasks.

The key is, the more these attributes are focused on and cared about, the more positively they’ll be expressed across the business and throughout the culture.

The less they are cared about - and thus the less they are focused on - the more inconsistencies you’ll notice within your business ethos.

It all begins with what you – as the leader or owner – and what you care about.

It starts and ends with you.

What you care about will determine who you decide to attract, select and retain within your business.

A business can only be as great as the people within that business.

A team member who only cares about ‘getting the job done’ will bring a very different vibe to the member who cares about the business values and is really ‘in to’ what you do.

The entire culture is only going to be as great as the people within the business.

I wonder if you can relate... I wonder if you’re reading because you’re searching for the ultimate - to have ‘that business’ that has found the balance between meaning and money ... and is able to create BOTH with high success.

And why not I say?!

A huge part of the pathway to achieving that result begins in culture.

It’s thinking about, reflecting on and developing a culture that makes the workday worth having.... If you’re all about the sales and the bottom line, you’ll attract different people than if your focus is on building a raving fan following because of the phenomenal level of service and care your team take.

“It’s as simple as this decision. Times are tough. Let’s cut costs.

Versus this.

Times are tough.

Let’s improve our care and customer service so our clients stay longer, and thus pay for longer” (Sharon Pearson) The more care you put into the feeling of culture, the more you can shape the bottom line.

Often in haste, the focus of a business tends to be on the money, on the sales... that surface level stuff that seems to be what matters most.

I invite you to shift focus, to see that when it’s NOT all about the money and the sales, you will attract amazing people – team & clients - that will stick with you - to skyrocket your results and create a culture that turns heads!! A team that cares and feels valued will put their heart and soul into the business.

Focus on improvement and care in these areas to create a BUSINESS OF ENVY: • The vision of your business – where is it headed?

•The purpose of your business – why are you in business?

•The values of your business – what do you care about and fight for?

•The goals of your business – what are the goals you’re here to achieve as a business?

•Your standards and the standards of those in your team •Your expectations and the expectation of those in your team •Your attitude and your team’s attitude •Your emotional aptitude and your team’s emotional aptitude •Your beliefs about what is and isn’t possible; and your teams beliefs If you’re loving this message and want to dive deeper in to exactly how you can create that Cultural Blueprint of Excellence, I’m running a workshop on September 16th 9am-11am and I would LOVE to see you there!

Book here- https://culture-that-turnsheads-and-skyrockets-results.eventbrite. com.au The webinar is part of the Geelong Small Business Festival – an opportunity for Geelong Small Business owners to share and showcase their successful goods and services across the region.

All webinars are at a very low cost to the audience, so be sure to check out the event list https://gsbf.com.au

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

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GEELONG’S RENTAL MARKET SEEMS COMPLETELY UNAFFECTED BY COVID-19 REAL ESTATE RENTALS

By Warren Rapson

This month, Geelong’s rental data is looking great! It’s great on its own, but when you compare it to the Melbourne data, it’s almost unbelievable. For example, Geelong’s rental vacancy rate is now back to 2.2% - the same rate we had pre-COVID back in November through to February, but Melbourne’s rental vacancy is sitting at a new high of 3.2% with Inner Melbourne sitting at 4%.

So when you compare us to the total Victorian vacancy of 2.9% so Geelong is doing very well. This month’s data does not show any evidence of a down-turn at all.

Geelong’s rental prices are also showing a positive trend. 2 bedroom houses have hit a new high with a median rent of $335 per week while 3 bedroom houses have also jumped $5 to median of $385 per week. 2 bedroom units remain unchanged since December at $330 per week, and while we don’t normally report on 1 bedroom units, it’s worth mentioning that they have jumped $10 to $240 per week after being stable for the last 6 months.

So if you are a landlord during this time and you have concerns about the market during the restrictions, don’t be.

While we and other agents have had to make some changes to our businesses like closing the doors to the public and only showing vacant properties via

private appointment, properties in Geelong are leasing as if COVID-19 didn’t exist. Agents who utilise technology like 3d-tours and videos are having little or no issues in Geelong and that’s great news not only for landlords, but also for tenants who are looking for homes.

With spring in the air, there’s a positive feel in real estate and we’re hoping that everything else will return to normal again too.

Warren Rapson

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

Watch Here Geelong Property Manages

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DEVELOPING THE RIGHT TEAM FOR SUCCESS BUSINESS COACH| MENTOR

By Deb Fribbins

How do you know if you have the right team in your retail business?

So many small business owners start out employing people to help them in the business without having a clear direction of who they want, or what they really need them to do. Sadly, we often ask friends to help us get started who do not have the skills we need to really help.

They do the tactical jobs that need to be completed, without a strategic path.

Define the reason you need someone.

What is their role to be? The key to finding the right staff to hire are those who are skilled in the areas you either, are not good at, or do not like doing. This will free up your time to work ON your business to ensure continued growth.

When your business gets to the point of needing staff consider 5 key elements: When your business gets to the point of needing staff consider 5 key elements: 1. Defined goals posts, what are their duties and responsibilities to be.

2. Determine what skill sets they need to perform these duties.

3. Are they required to have a licence or any legal training.

4. Have clear policies on areas such as OH&S and your Standards and Values.

5. What duty of care do you provide.

When advertising for staff be very clear in the Position Description, to include: • •

• • •

The personality fit you are looking for within the business The actual job function they will be required to do. o Duties o Responsibilities o Outcomes The skill sets required for the role Licences and qualifications where applicable Part time / full time / casual.

During the interview inform them of your requirements and intention for them, and listen carefully to their answers to wellformed questions to determine the right fit.

Inform them of: • • • • •

The standards and values of your business to be upheld The flexibility you are looking for Physical abilities Business structure Opportunities for advancement

When you are interviewing applicants, listen carefully to their answers. Sometimes those with carefully planned answers, are only looking for something for now, not a long-term solution. Spending the time and effort to train staff who have no intention of staying is counterproductive.

There are many, who do not interview well, but with a little support and compassion will be very loyal to you and your business. Spend time with these applicants, talk to them about their lives, their hobbies, their interests and their ambitions. Take the time to talk to them in the interview it may save time in the long term.

Your staff are you, in the eyes of your customers. Choose carefully, they can make or break your business. If you do not have the confidence to select the right staff then use the skills of employment agencies. The fees you pay may well be worth it, to achieve the goals you have set yourself.

Over the last few months particularly, there has been a lot of confusion and miscommunication, this has been highlighted over and over again. You have a vision for your business. Many of us have had to “pivot” but have not passed on the clarity of the new goal posts to our staff.

Where some staff have been laid off due to the downturn in business, this not only causes concern with the remaining staffabout their security, but in many cases, no one has explained who is picking up the workload of those no longer employed. Your staff are not mind readers. Be very clear when making staff changes to talk to those remaining about ALL the changes that affect your business and the impacts on their role.

Keeping the remaining staff engaged is pivotal to your success in several ways.

1. Keeping the staff engaged is pivotal to your still have.

2. Inspiring staff to maintain standards.

3. Engaging the staff to maintain standars.

4. Encouraging loyalty to you, your business and your customers.

5. Enabling you to strive for continual growth through innovation.

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

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Arriving in England-Portsmouth to be Precise TRAVEL

By Ainsley Soffe

As this trip was my first real experience of travelling, I had decided to go to England to see my family. It was safe, I would know people and it was a chance to catch up with long, lost relatives. I am not sure why but when I flew into Heathrow and got picked up by my cousin, I didn’t make the connection that I was in the London I’d seen on television with Big Ben and Tower Bridge. It may have been due to not having thought things through or perhaps the fact that I was picked up from the airport and head straight to Portsmouth with my cousin.

I was fortunate after getting over my jetlag, to have my own personal guide around Portsmouth. It was great to walk and talk as I discovered the sights of Portsmouth over a number of weeks. Portsmouth is a combination of modern living and a step back in time. It is a waterfront city and naval base in the south of England where you can find the Spitbank Fort and the Southsea Castle from which Henry VIII watched Mary Rose sink to the bottom of the Solent, the remains of which you can still see to this day. There is a lovely mix of Old Portsmouth and the new.

I didn’t realise how rich Portsmouth’s history was and that it can be traced back to Roman Britain. No doubt, Navy

enthusiasts will enjoy visiting is the National Museum of the Royal Navy Portsmouth, its Naval Prison and Historic Dockyard which I didn’t realise at the time, houses a number of iconic warships such as HMS Warrior, HMS Victory and the HMS Alliance. The town itself is filled with live music venues, theatres, galleries and nightclub.

Since my time there, what is referred to as “Britain’s best viewing tower”, the modern 170 metre Emirates Spinnaker Tower, has been built and I am led to believe it boasts stunning views of the South Coast of England. I was however fortunate enough to experience some retail therapy at Gunwharf Quays which nowadays boasts find designer outlets.

Portsmouth is also rich in culture and we were spoilt for choice with stunning architecturally designed theatres in the Kings Theatre and the New Theatre Royal. The thriving arts hub has the newly renovated Hotwalls Studios which unfortunately I missed. Art lovers of the modern day though can visit the Aspex Gallery or the Portsmouth Museum.

group or private guided personalised tours.

If Portsmouth is a place of interest for you, there are plenty of options when it comes to accommodation ranging from 3-4 star hotels, family run guest houses, Bed & Breakfasts, boutique hotels and self-catering apartments. All budgets can be catered for and there is always a place to be found that will suit your individual needs.

With so much to do and see, Portsmouth is definitely worth the visit.

Ainsley Soffe is the travel columnist for Find Geelong. Deluxe Travel & Cruise is a boutique agency and Ainsley works in Geelong. You do not have to live in Geelong to use her services and she can be contacted on: 1300 292 496 or ainsley@deluxetravelandcruise.com. au

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

20 years on and there are still guided walks and talks of Portsmouth which offer programmes packed with history, famous architecture and famous points of interest. As I had my own personal guide in my cousin, this was not required but visitors today do have the choice of SEPTEMBER 2020 | FIND GEELONG

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ISO Father’s Day! EDIBLE BOUQUETS

By Tk Saunders

So we are still in Iso, and another special day is here, fathers day!

We sincerely hope you have a great day! Hopefully soon we will all be out of Iso and can start to see our families, loved ones and friends!

Well luckily we have many customers that booked in to send a bliss bouquet to their special dads.

Remember any special occasion coming up we can help with a delicious bliss bouquet just give us a call on 0487823523, or check out our facebook or instagram pages, mention this article to receive a $5 discount on your first bouquet.

This bouquet (pictured) is one of our most popular bouquets, it’s our XL meat and cheese with chocolate the absolute best of the best! A bit of sweet, a bit salty, a bit of savoury!

Its has chocolate dipped strawberries, ferreros, salami dried apricots, dried blueberries, twiggy sticks, ,more salami, wasabi peas, pistachios, mixed roasted nuts, trail mixes, prosciutto, kabana, smokey cheese, Brie, baby bells, more salami, chorizo, olives, chillies, oh and did we mention salami? Who doesn’t love salami?

So to all the dads stuck in Iso Happy Fathers day!

As always stay safe and stay cool, much love Tk and Marie, Bliss bouquets,, The flavour of extraordinary.

Tk Saunders

Hacking could trigger ‘national emergency’

By Daniel McCulloch (Australian Associated Press)

Cyber attacks on Australia’s critical infrastructure could soon trigger a national emergency declaration, empowering security agencies to launch counter assaults.

The federal government is seeking greater powers to protect private sector assets such as electricity grids, communication lines and big banks from hacking attacks.

The Department of Home Affairs has released a discussion paper on declaring an emergency during an immediate and serious cyber threat to Australia’s economy, security or sovereignty.

“In an emergency, we see a role for government to use its enhanced threat picture and unique capabilities to take direct action to protect a critical infrastructure entity or system in the national interest,” the paper says.

“The primary purpose of these powers would be to allow government to assist entities take technical action to defend and protect their networks and systems, and provide advice on mitigating damage, restoring services and remediation.”

The department says the emergency powers would primarily be discharged on a voluntary basis.

“However, there may be cases where entities are unwilling to work with government to restore systems in a timely manner,” the paper says.

“Government needs to have a clear and unambiguous legal basis on which to act in the national interest and maintain continuity of any dependent essential services.”

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5 Types of Garage Doors Noises and What to do about them this closing or stopping halfway up, not closing or opening properly and being difficult to operate.

The good news is that a garage door specialist can reinstall your door so that everything is aligned as it should be.

GARAGE DOORS

By Chantal Djuric

Noises from garage doors are like pains in our bodies – they tell us when something is not quite right. Here are 5 types of noises you may hear your garage door making.

1 Bent tracks If your garage door makes rubbing noises when you open and close it, this could be a sign that the metal rail has bent. Another sign of this is if you see loose screws.

Don’t try tightening them using a wrench or socket set. Call a garage door specialist at once.

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

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

3 Poor lubrication When the door moves, it results in friction, which can cause squeaking, rattling or grinding.

Specialist assistance Fixing the noises of your garage door yourself is definitely not a DIY job. There are many factors to consider, such as the variety of garage doors – panel doors, roller doors etc. How they are attached to your garage, the structure of your garage and its alignment to your house, your garage’s overall condition and even the weather are factors that only a specialised garage door expert can analyse to fix the noise problem.

Here are 4 ways a professional garage door technician can make your door quieter:

If you think of lubricating the worn rollers, don’t reach for your WD40 – check with a garage doors specialist what the best lubrication is. Remember the extreme tension the torsion springs are under — don’t place any part of your body in or near the springs. Don’t repair, remove or adjust the springs or any connected components of the counterbalance system.

•

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

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

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

• • •

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

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

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

5 Improper installation If your garage door is grinding, squealing or rattling loudly, it may have been installed incorrectly. Other indications of SEPTEMBER 2020 | FIND GEELONG

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Most Commonly Expressed Problems and Their Solutions MORTGAGE BROKER

By Lee Wisniewski

Every day I get emails from people who are just as anxious as me, but usually for a myriad of reasons.

Below I have our most commonly expressed problems and their solutions for you.

Hopefully this will alleviate some of your worries: Problem #1: I own a property and worry about the value dropping!

Solution: Don’t. If your property drops in value the only time it’s an issue is if you are forced to sell. See problem #2 below.

Problem #2: I have lost my job or have less work and worry about how my repayments can still be made.

your bank account but could be a good time to hunt for deals. Speak to us about how much you need as a minimum deposit. You’ll be surprised how little it might be (See problem #4).

Problem #4: I worry I don’t have enough deposit to buy a property.

Solution: Don’t. If you’re a First Home Buyer the government is handing out cash at the moment.

I recently assisted a client with securing over $75,000 in government assistance (not a typo) to build their first home.

If you are not a first home buyer then you might be surprised to find out you don’t need a deposit because you might have enough equity in your current property to not have to dip into savings at all! Plus you could still get $25,000 in cash grants towards a new build...

Problem #5: I worry that if I don’t act I might miss out.

Solution: If you have been unfortunate enough for this to occur, then you can likely just contact your lender and tell them. They have specialist departments to handle this. With a simple couple of questions you should be able to pause your repayments for up to 6 months! You will still accumulate interest but it’ll buy you some precious time.

Solution: Take it from me (from my personal experience) that you’ll be better off if you’re able to make an educated decision, are financially prepared (see your broker) and have cash buffers in place. I’ve bought properties in haste previously and they rarely work out, no matter how cheap they seemed at the time.

Problem #3: I really want to buy a property but worry now is not the right time.

Problem #6: I worry that my interest rate could be better than it is.

Solution: I would always buy when I can afford to do so, as I have a long term view and a financial buffer in place after settling.

You cannot control short-term property prices but currently there are some great deals to be had if you know where to look! Now is not the time to clean out

Solution: You’re probably right but need not worry as there is likely something that can be done. We could help you to either negotiate with your current lender or refinance to a new one, with rates as low as 2.19% and/or a $3000 cashback for your troubles.

Problem #7: I feel alone and isolated and worry about how I will get through this period.

Solution: Remember that it’s temporary. Touch base with others that mean a lot to you.

Get outdoors for exercise. Eat and sleep well. Be kind to yourself and know that it’s ok to feel a bit flat.

The common theme above is that no matter what your perceived problem is, there is always something that can be done and there are others facing the same issues currently.

I became a mortgage broker because I wanted to help people. It just happens to be that more often than not that help comes in the form of advice or assistance for a property purchase or a better home loan deal.

But you should know that regardless of your worry you are not alone and something can be done.

I know many people say that if you need someone to talk to then please reach out, but I sincerely mean it. Pick up your phone or email me. I’m on my computer all day anyway, am very resourceful, I have a comfy office chair, some airpods and my uggs on.

So, whether it be home loans, property or a chit-chat about how your kids are sending you loopy, I’ll be all ears.

We’ve got this.

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

findgeelong.com.au

SEPTEMBER 2020 | FIND GEELONG

25

Plan for Working from Home Award Changes

By Matt Coughlan

(Australian Associated Press)

Employees and bosses will be able to agree on flexible working from home arrangements during the coronavirus pandemic under a proposal from the industrial umpire.

Fair Work Commission president Iain Ross has released a draft plan to change awards, likely to be most relevant to small businesses without enterprise agreements.

The model includes a provision allowing agreement on working from home arrangements that balance personal and work responsibilities against the business needs of the employer.

Employees would be able to compress their week so usual hours are worked over fewer days. Starting and finishing times could be staggered and employees directed to work at home or other locations.

Workers could take double the annual leave at half pay and also buy extra time off if bosses agree. With the agreement of three quarters of a workforce, a cut to hours could be shared if an employer can’t usefully employ everyone.

Justice Ross said working from home had been one of the most significant shifts since the start of the pandemic.

“It is likely the direct economic and social impacts of the pandemic will be felt for some time to come,” he said.

“There will (likely) be a continuing need for flexible work arrangements to assist employers and employees in adapting to the changed conditions and to support the recovery.”

The draft proposal could be potentially be included in modern awards, most of which don’t expressly deal with working from home.

The commission president said that could constrain working from home arrangements if business was forced to pay penalty rates or overtime, despite employees seeking flexibility.

“It is intended that the model schedule be used as a starting point for discussion between parties,” Justice Ross said.

“Not all of the clauses proposed in the schedule will be suitable for all awards and some clauses will require tailoring to meet the needs of a particular industry or occupation.” Australian Industry Group chief executive Innes Willox said the draft was an important initiative which would deliver flexibility. “A very large number of employees are currently working from home, and it is evident that workplaces will never be the same again,” he said on Tuesday.

JobKeeper Extension Passed by Parliament Labor has waved through the extension after failing to introduce a wage floor for workers who are no longer eligible for the scheme.

Prime Minister Scott Morrison described the wage subsidy scheme as the most significant economic intervention in Australia’s history.

Independent senator Rex Patrick also could not secure enough support for an amendment to force businesses that have paid dividends or executive bonuses to repay the wage subsidies.

“We are now extending and transitioning,” Mr Morrison told coalition party room colleagues on Tuesday.

The split system replaces flat $1500 subsidies paid each fortnight.

By Daniel McCulloch and Matt Coughlan (Australian Associated Press)

JobKeeper wage subsidies are being split into a two-tiered system and extended for another six months.

People who worked less than 20 hours a week before the crisis struck will be paid $750 a fortnight from the end of September, while all others will receive $1200. The maximum payment will come down to $1000 from December to March.

“Transitioning and looking to a day when Australian communities don’t need JobKeeper and when Australians can then run their businesses and hold their jobs sustained by a vibrant and growing economy instead.”

The second tranche of JobKeeper payments is expected to cost more than $30 billion.

SEPTEMBER 2020 | FIND GEELONG

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26

FIND GEELONG | SEPTEMBER 2020

findgeelong.com.au

In these unsettled times, it’s comforting to know that we can still keep reading!

• The digital library is always open – read, listen, watch or learn 24/7 • Enjoy over 100 storytime sessions on our Youtube channel along with Boredom Busters, Cooking demonstrations and more!

• You can also view videos on our Facebook page • We will continue offering Click for Home Delivery for those in need Our heartfelt thanks for your continued support and kind words. Please stay safe and well.

We look forward to welcoming you back at the library in the future.

More Info

Download an eAudiobook now

View more books here

OPEN FOR BUSINESS: Cafes & Restaurants

www.cafebearandscoobs.com.au

We would like to extend our help to all Cafe’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.

We would like to extend our help to all Cafe’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.

SEPTEMBER 2020 | FIND GEELONG

27

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

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

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

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

• Unpaid Present Entitlements and Extension of Repayments Unpaid present entitlements (UPE) to private companies initially under an interest-only loan may be extended on final repayment date. The practical compliance guideline deals with a UPE that was put in an investment deal in accordance with PS LA 2010/4. If there is a balance to be repaid at the end of the investment period, it may become a new Div 7A loan. 30 June 2018 is the first year in which an interest-only loan at benchmark rates is due to be repaid after the issuing of PS LA 2010/4.

That is, 7 years after the initial UPE was put on a sub-trust from the 30 June 2010 year. The PCG relates to arrangements in the 2017/18, 2018/19 and 2019/20 income years. The ATO has recently stated that the lodgement date for the 2018/19 income year is 5 June 2020. This extension is due to blanket extensions to tax returns issued by the Commissioner. Family groups using this strategy may benefit from utilising this extension of time to repay the initial unpaid present entitlement from the 2009/10 income year.

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

• 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

AX UPDATES • SMSF Penalties for Underreported Expenses Legislated

Announcement (28-Jul-2019)

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

Draft ATO guidance has provided further situations where an SMSF may have underreported nonarm’s length expenditure, including where it may apply to all income.

Introduced (24-July-2019)

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

• 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)

• Testamentary Trust Minor’s Distribution to be Limited

Announcement (18-Jun-2018)

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

Introduced (05-Dec-2019)

• Director Identification Number

Announcement (03-Dec-2019)

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.

Introduced (04-Dec-2019)

Updated: 12-Jun-2020

Consultation (30-Oct-2019) Passed (17-Jun-2020) Royal Assent (22-Jun-2020) Date of Effect (1-Jul-2019)

Consultation (03-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

SEPTEMBER 2020 | FIND GEELONG

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REALESTATE 2020 SEPTEMBER

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

COMING SOON

HOUSE OF THE MONTH

Email: info@findnetwork.com.au

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

31

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

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

RENT OFFERS LOCATION

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Want to Advertise your Rental Listings?

Contact: Warren Strybosch Phone: 1300 88 38 30

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

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

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

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

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

Lifestyle: A stately home with impeccable street appeal and streamlined interior. The property has been lovingly maintained by its present owner and is now available for those looking for an elegant, spacious home.

Features: The tiled front entry opens to the formal lounge with bay window and main suite incorporating walk-in robe and suite. Three more bedrooms and the main bathroom occupy a seperate wing. At the heart of the home is an impressive open plan kitchen with

Features: In popular Viwepoint estates, this home was establised just five years ago and comes with a comprehensive builder warranty. The floor plan offers four bedrooms plus ensuite and family bathroom.

Enjoy two living zones, a carpeted lounge as well as fully-tiled family space. Fitted robes, walk-in dressing

ceiling fans, climate control options, dishwasher and pantry storage are include. Undercover alfresco living, a double garage and secure Colorbond fences completed this 476-square-metre property in new residential area.

Location: Viewpoint by Integra offers rural living on the urban fringe for families wanting relaxation and convenience. Huntly has local shops and schools, it’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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SEPTEMBER 2020 | FIND GEELONG

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BUILDERS DIRECTORY

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

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

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

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 info@findnetwork.com.au

DISPLAY HOME DIRECTORY

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

COMING SOON

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

Block No. Lot No. Street, VIC

COMING SOON

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

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

COMING SOON

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

Block No. Lot No. Street, VIC

COMING SOON

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

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

Warren Strybosch 1300 88 38 30 info@findnetwork.com.au SEPTEMBER 2020 | FIND GEELONG

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SEPTEMBER 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

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

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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

38

FIND GEELONG | SEPTEMBER 2020

findgeelong.com.au

Support for new parents struggling with pandemic impacts

Thursday, 20 August 2020

While the pandemic has been challenging for all, the restrictions are particularly tough on many new parents.

A lack of usual support programs and social opportunities can leave many new parents feeling isolated and unsure about their new roles.

The City is working to support parents in a variety of ways, ensuring continuity of care by providing online programs and face to face appointments, with health precautions in place.

Supported playgroups continue to run online, with an increase in referrals more than doubling from 10 infants in Term one, to 22 in Term two.

These weekly online supported playgroups provide an important opportunity for contact and connection for many families, particularly vulnerable or first-time parents of young babies.

The 24 hour Maternal and Child Health Line (132 229) is an important ongoing supportive service for first time parents.

Each session offers a chance for parents to chat and ask questions, as well as participate in facilitated small group parenting programs.

Parenting educators are also continuing to provide telephone consultations for sleep and settling.

The City’s Maternal and Child Health service is currently seeing families with babies under 12 months short face to face visits with precautions in place to protect the health and wellbeing of the nurses and families. Telehealth consultations are currently being offered for older children.

“The pandemic is impacting our community in many different ways. For new parents, it has

Through this service all new parents in the region are invited to a virtual New Parent group which has had extremely positive uptake, with 116 new parents participating in groups over the past two months.

First time parents who are experiencing complexity are provided additional support from the City’s Enhanced Maternal and Child Health team, including home visits.

Telephone consultations continue to be offered for families who prefer not to attend an appointment in person.

Additional City support measures include partnering with Geelong Regional Libraries to offer a ‘rhyme time’ sessions, plus virtual sessions on “sleep and settling” techniques.

Greater Geelong Mayor Stephanie Asher

added increased difficulties at an already challenging, albeit very special time. The City team is finding ways to safely provide important support within the bounds of the stage three restrictions by making clever use of online technology.”

Cr Sarah Mansfield, Chair, Social Inclusion Portfolio “Data is showing that the COVID-19 pandemic is resulting in increased mental health issues for new mothers in our region, and more difficulties managing some of the challenges of caring for newborns. The reduction in face-to-face support, both formal and informal, is making the early stages of parenthood more isolated and creating increased stress and anxiety.”

“The first lockdown started not long after I had a baby, and even though some things have been easier as she’s my second child, it’s definitely been tough not having as much hands on support around. For first time parents in particular this period has been very hard.”

“It takes a village to raise a child, and lots of people are without their villages at the moment. But we want all new parents to know that there is still help and support available, so please access these services and reach out for help if you need it.”

findgeelong.com.au

SEPTEMBER 2020 | FIND GEELONG

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findgeelong.com.au

New Trial to improve waste collection in Laneways Precinct is underway Thirty businesses in the Central Geelong Laneways Precinct are participating in the City’s commercial waste and recycling trial, which is an optional service for businesses in the area.

The 12-month trial will help alleviate bin storage problems and provide more effective ways to manage commercial waste and recycling through the installation of two new compactors.

The communal compactors have been installed at the northern end of Shorts Place, with one compactor collecting general waste and the other collecting co-mingled recycling.

Other improvements from the communal compactors, which participating businesses access via swipe cards, will be a decrease in waste collection truck movement in Central Geelong and fewer waste bins visible in Geelong’s iconic laneways.

Communal Co-mingled recycling compactor in Short Place

Quotes attributed to Mayor Stephanie Asher: “We’re always looking for ways to improve how the City manages waste and recycling in

The trial was developed in response to feedback from businesses, residents and property owners in the Laneways Precinct and endorsed by Council in August 2019.

the region. This trial will hopefully provide many benefits to the businesses and residents

The City will gain further feedback on the trial to measure its effectiveness in managing waste and recycling in the area.

Quotes attributed to Cr Ron Nelson, Chair, Waste Management porfolio:

in the Laneways Precinct and it’s great to see this clever and creative initiative driven by the community.”

For business owners in the Central Geelong Laneways Precinct interested in taking part in the trial, please contact the City on 03 5272 5272 or contactus@ geelongcity.vic.gov.au.

When restrictions ease and visitors are allowed to visit the area, the changes will help create a more pleasant environment within our iconic laneways.

We’d like to thank the businesses taking part in the trial and to everyone who provided feedback.

We look forward to seeing its effectiveness over the next 12 months.

Community News and Updates

Nature Stewards program to return for environmental enthuasiasts

Wear It Purple Day celebrations go Digital

Coronavirus information is available in languages other than English

SEPTEMBER 2020 | FIND GEELONG

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Are you Not-For-Profit in Geelong Area?

Advertise your events for FREE on the following pages.

Feel free to send your ads to info@findnetwork.com.au and we will place it in current and/or next months edition.

Geelong

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

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FIND GEELONG | SEPTEMBER 2020

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SEPTEMBER 2020 | FIND GEELONG

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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

SEPTEMBER 2020 | FIND GEELONG

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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.

SEPTEMBER 2020 | FIND GEELONG

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Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address.

2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required).

3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes.

4. We will then require you to upload your documents to our secure portal.

5. Once we have received all your documentation, we will complete the return.

6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

• 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

CONTACT US SALLY HIGOE

TEAM GAP ANALYISIS

REAL TIME FEEDBACK

IMMEDIATE IMPACT ON BOTTOM LINE

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

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PROFESSIONAL SERVICES

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

OUR SERVICES

CONTACT US

• 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

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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

CONTACT US

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

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PROFESSIONAL SERVICES

BUSINESS MANAGEMENT GEELONG CONTACT

SERVICES

ROY EMMETT

BOOKKEEPING CORPORATE ACCOUNTING

0425 721 939

ACCOUNTING SERVICES

roy@businessmanagementgeelong.com.au

REVIEW AND ANALYSIS BUSINESS MENTORING

www.businessmanagementgeelong.com.au

BUSINESS CONSULTING

180 West Fyans St, Newton VIC 3220

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

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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

CONTACT US 0427 894 603

• Mon to Fri: 9:00 am - 5:00 pm

sales@cruzingaragedoors.com.au

• Sat to Sun: CLOSED

www.cruzingaragedoors.com.au

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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

ADVERTISE HERE

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HEALTH & BEAUTY

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

Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Hair Dresser Osteopath Chiropractor Beauty Therapy Gym Massage Therapy

ADVERTISE HERE

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ADVERTISE HERE

ADVERTISE HERE

ADVERTISE HERE

ADVERTISE HERE

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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

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

TITLE HERE

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

SEPTEMBER 2020 | FIND GEELONG

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GEELONG

Support your Local Not-For-Profit

Find Coffee

Find Dining

FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

Find Takeaway

Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

Find Brekky, Brunch, Lunch Cafés & Bistro

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

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

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FIND COFFEE COMING SOON

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COMING SOON

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FIND BREKKY, BRUNCH & LUNCH COMING SOON

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FIND ENTERTAINMENT COMING SOON

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FIND TAKEAWAY COMING SOON

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FIND TRAVEL COMING SOON

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COMING SOON

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COMING SOON

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FIND DINING COMING SOON

CARD NO.

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

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BREKKY, BRUNCH & LUNCH DISCOVER A NEW LEVEL OF TASTE

The best memories are made when gathered around the table.

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

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COFFEE

TODAY’S GOOD MOOD IS SPONSORED BY COFFEE FIND ADVERTISING COUPONS info@findnetwork.com.au 1300 88 38 30

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Takeaway

Food brings people together on many different levels.

It’s the nourishment of the soul and body: It’s truly love.

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

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NEW OFFERS COMING

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

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Coupons &

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

Non-Transfer The barter trade, sale, purchase, or transfer of the Find Coupons &/or Find Cards, by any person or entity, including but not limited to business placing offers in the Find Paper, printers, publishers, and distributors of the Find Coupons /Find Card, is strictly prohibited, unless expressly authorized by Find Pty. Ltd. Find reserves the right to make changes to the participants and their offers at its sole discretion. Members will be notified of these changes via email or via the Site.

The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons.

Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted.

Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2020 Find.

Find Cards Policy

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

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

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

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

PRESENT VALID FIND CARDS

VALID

GEELONG

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

NOT VALID

GEELONG

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

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

Copyright 2020 Find© Pty Ltd.

www.findgeelong.com.au